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App to hail taxis, limos launches in Las Vegas

By WTOP Staff

MICHELLE RINDELS
Associated Press

LAS VEGAS (AP) — Las Vegas visitors can now hail a ride from a taxi or limo company using their smartphone, even if they can’t use the popular ridesharing apps available in many other U.S. cities.

Integrity Vehicle Solutions on Wednesday launched the Ride Genie app, which gives users access to about 400 black cars, SUVs and limos from several transportation companies. Taxis are expected to be picking up assignments from the app in the next six to eight weeks.

“The riding public can take advantage of the convenience of technology without losing the assurances that the driver and car that they hail are properly inspected, regulated, licensed and insured,” said Ride Genie CEO Mark James, former CEO of the Frias cab and limo company, which is among several firms offering their services through the app.

Individual companies “were able to put their competitive differences aside to create a better consumer experience,” James said.

The app allows users to watch the vehicle’s progress toward them on a map in a style similar to ridesharing apps Uber and Lyft, although the drivers are professionals regulated through the taxi authority and not people using their own cars or shuttling passengers as a side job.

A few other differences stand out: The app adds a default 20 percent tip to each ride, although passengers can adjust the tip or remove it altogether if they choose. It also adds a $5 fee to each ride hailed through the app; that money goes to Ride Genie.

The app operates within the confines of Las Vegas’ stringent cab and limo regulations and fee structures, which means riders who call for a black car or sedan will have to pay for a minimum of one hour of service. The vehicles typically cost about $50 an hour, including a $5 fuel surcharge.

Ridesharing companies including Uber have expressed interest in entering the Las Vegas market, but so far have been kept out of town because of heavy regulation. In April, cab companies asked the Nevada Transportation Authority to put ridesharing services on notice that their vehicles would be impounded if they operated outside the regulatory structure.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

By WTOP Staff
Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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