April 29

Cant Repay Your Student Loans 5 Ways to Get Help.

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For college students, November and December are filled with research projects and final exams. For recent graduates, however, these months can be exceptionally stressful, especially if a post-graduation dream job hasnt materialized on schedule. For graduates who left school with debt from student loans, November and December can be a month of reckoning.

Government-issued federal student loans and many non-federal private student loans grant students a six-month grace period after they leave school before they need to begin making loan payments. For students who graduated in May and June, then, those college loans come up for repayment in November and December.

And if youre a graduate whos caught up in the current recession and the highest unemployment rate on record for new college graduates, you may be getting your first student loan bill having no idea how youre going to make the payment.

Just ignoring those student loan bills isnt going to help. Defaulting on a federal student loan is no light matter. The government can step in and garnish your wages, once you get a job, or seize any income tax refunds you may have coming to you in order to put money toward your student loan debt.

Both federal and private student loans are nearly impossible to discharge in bankruptcy, so your student loan lenders can keep coming after you for payment, even if a judge declares you bankrupt and wipes out your other debts.

All your student loan accounts appear on your credit report, so your credit rating is also at risk. Repeated late and missed payments on your student loans will drop your credit score, will linger on your credit history for years, and can have a lasting impact on your ability later on to qualify for anything that requires a credit check. You may not be able to get a credit card, take out a car loan or home loan, rent an apartment, or even get a job — more and more employers are conducting credit checks on job candidates as a measure of your responsibility and maturity.

Clearly, keeping your student loans current needs to be a priority, for the sake of your credit and the health of your financial future. Whether youre a newly minted college graduate or a longtime borrower whos now having some financial troubles, if youre facing student loan payments that you cant afford, here are five ways to get help now.

1. Contact your student loan lenders. Whether youre approaching the end of your grace period or youre already in repayment, if you know that you dont have the ability to make the payments on your student loans, contact your lenders immediately, explain your situation, and see what they can do to help.

For your federal student loans, the U.S. Department of Education can grant you additional periods of deferment or forbearance if youre facing financial hardship. With a government-approved deferment or forbearance, your student loan payments are postponed, with no adverse effect on your credit.

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April 29

More from the Sister Study

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In the March 17, 2009 issue of Life Extension Update, we reported the finding from the Sister Study, a cohort of healthy sisters of breast cancer patients, of a beneficial association between multivitamin use and telomere length, a biomarker of aging. Telomeres, which are repeating DNA sequences that cap the ends of chromosomes, shorten with increased cellular aging.

In articles published in the February and March, 2009 issues of the journal Cancer Epidemiology Biomarkers and Prevention, further findings from the Sister Study concerning the impact of lifestyle on telomere length were revealed.

In the February, 2009 issue, Christine Parks, PhD, of the National Institute of Environmental Health Sciences of the National Institutes of Health (NIH) and her associates evaluated the effect of stress on telomere length in 647 Sister Study participants. Telomere length in DNA from blood samples was measured, and stress hormone levels in urine were assessed. Questionnaires completed by the subjects provided information on perceived stress levels.

Study participants, on average, reported low stress levels. “Even so, women who reported above-average stress had somewhat shorter telomeres, but the difference in telomere length was most striking when we looked at the relationship between perceived stress and telomere length among women with the highest levels of stress hormones,” Dr Parks observed. “Among women with both higher perceived stress and elevated levels of the stress hormone epinephrine, the difference in telomere length was equivalent to or greater than the effects of being obese, smoking or 10 years of aging.”

In the report that appeared in the March, 2009 issue of the journal, the effect of past and current body mass index (BMI) on telomere length was examined. Sister Study participants whose BMI categorized them as overweight or obese before or during their thirties and whose weight status was maintained were found to have shorter telomeres compared to subjects who became overweight at an older age. “This suggests that duration of obesity may be more important than weight change per se, although other measures of overweight and obesity were also important,” stated lead author Sangmi Kim, PhD, also of the National Institute of Environmental Health Sciences. “Our results support the hypothesis that obesity accelerates the aging process”.

“We anticipate a wealth of information to come out of the Sister Study,” predicted Dale Sandler, PhD, chief of the Epidemiology Branch at the National Institute of Environmental Health Sciences and principal investigator of the Sister Study. “Not only do we hope to find out more about the environmental and genetic factors that might lead to breast cancer, we also want to learn more about how factors such as stress, diet and exercise might impact cancer and other disease risks.”

“Together these two studies reinforce the need to start a healthy lifestyle early and maintain it,” National Institute of Environmental Health Sciences director Linda Birnbaum, PhD, concluded. “These papers remind us that there are things people can do to modify their behavior and live healthier lives, such as maintain a healthy weight and cultivate healthy responses to stress.”

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April 29

Choosing A Spiritual Teacher

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Many people wish to be enlightened or find happiness in life. There are thousands of self-help books, thousands of self-help workshops and even more philosophies and teachings promising to make people happy or enlightened. It is possible to become enlightened and happy by studying all of these resources. It is far easier to become happy and enlightened with a teacher.

A spiritual teacher is a person (living or dead) who guides us through the “mindfields” of life. By passing on truth and wisdom, spiritual teachers can help people see where they are, point out where they are stuck and give guidance on how to live a worthy and value filled life. Teachers can do this by showing us how to be or by showing us how not to be. Everyone that we encounter in life is a teacher on some level. Choosing to study life with a teacher is a meritorious endeavor that can greatly speed our journey to happiness and enlightenment.

Choosing a spiritual teacher can be a challenge. Ideally, a teacher would embody those qualities that we wish for ourselves. While there are no “bad” teachers, there are teachers who have the qualities of honesty, integrity, character, joy and charity that we seek. We should beware teachers who are only seeking material wealth without sharing their abundance with those with greater needs.

It is best to choose a teacher and to focus on that teacher. Spiritual “grazing” will not help us find enlightenment or happiness. Many people go from teacher to teacher seeking spiritual “highs” with each new teacher and avoiding any real progress through application of the teachers teachings. Dig deeply and find water, dive deeply and find pearls. If you find that you no longer resonate with a teacher, simply leave without criticism or animosity.

Your teacher should be a role model for you. Sharing knowledge and information is important, but the most value of a teacher is the example that they set for their students. Teachers who challenge their students oftentimes are surrounded by controversy. Seek the truth and make up your own mind whether a teacher is appropriate. Do not be afraid of controversy, and separate fact from fiction.

Teachers are guides who lead us through the quicksand and treacherous situations in life. They can see further ahead than we can, and have experiences that can help us experience ours. They light our way and shine brightly for us to follow.

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April 28

Secure Your Future Of Studying Abroad With Student Insurance Policy

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Investing in a student insurance policy is a great way to make sure you seek access to competent medical care in the hour of need while studying abroad. The number of Indian students enrolling in foreign universities has increased many folds. This has ultimately has led to an increase in the popularity of Student Insurance India policies. As the name suggests, student insurance policy provides coverage against the financial losses for students planning on studying abroad.

If you too wish to chase your dreams by studying at a prestigious foreign university, it is important to look into the variety of options in Student insurance India. Where it is a mandatory requirement for most of the universities, it’s importance cannot be overlooked. The choice of the right student insurance India policy is very important as it makes sure that you can focus on your studies rather than worrying about the financial impact of the uncertainties.

ICICI Student Insurance is a renowned name in Student Insurance India. There are premium plans from ICICI that are best to cater to the needs of different students. ICICI Student insurance covers you for the unexpected medical as well as non-medical expenses. ICICI has partnered with UnitedHealthGroup (a leading US based Health Care provider) to offer its customers with best quality service, when in need.

Some of the features of different plans offered by ICICI Student Insurance can be outlined as follows:

1. Medical Coverage for the insured 2. Dental Treatment 3. Passport Loss or theft 4. Sponsor Protection 5. Personal Liability 6. Personal accident 7. Checked in baggage loss

Based on the features of the different plans offered by ICICI, the premiums may vary from policy to policy. Available for students in the age group 16 to 35 years, there are plans that offer coverage for mental and nervous disorders, in-patient medical expenses, sports injuries,cancer screening,mammograms, and childcare. One of the major benefits of ICICI Student Insurance is their compliance and acceptance by most of the foreign universities as a substitute of their compulsory insurance.

You can now buy your choicest ICICI Student Insurance plan online as well. Take into account online quotes before buying the policy. These quotes facilitate the comparison to help you arrive at the best deals based on the coverage required. You can choose to buy the policy using your credit/debit card or cheque. Bank upon a website that is easy to navigate and offers you a reliable solution for your needs.

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April 28

UK Student Visa Applicants Facing Harder Rules

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Foreign nationals applying for a UK student visa will have to face stricter entry criteria starting February 10. The new rules are set up to limit the ability of foreign students to work in the UK and make it illegal for their dependants to work at all. They will make entry to the UK much harder for foreign nationals who apply for UK student visa only as a means to come to the UK to work illegally.

Before these measures were introduced, it was really easy to apply for a UK student visa. All a UK student visa applicant needed to show was a letter from an approved college or university that he is enrolled in a course of study and a proof of funds in the form of 5000 GPP that has stayed in their bank account for 30 days. The official letter is very easily obtainable as the college officials have no means to check if the person intends to study or not. The 5000 GBP can easily be borrowed and repaid while working illegally in the UK. For these reasons many people have abused the system through the years. Student visa used to be the easiest way to gain entry to the UK.

The new rules will make sure that, first of all, all foreign nationals who want to apply for a UK student visa have a good standard of English. They will also limit the time a student visa holder studying below first degree or a foundation degree course is able to work legally to 10 per week during the term. Also, student visa holders will not be allowed to bring their dependants to the UK if they are studying a course shorter than 6 months. Moreover, dependants of UK student visa holders studying on a lower than undergraduate level are not allowed to work at all.

These measures will allow genuine foreign students to still benefit from the world known for its high quality educational system in the UK and will stop illegal immigrants to enter the country as bogus students. Once a foreign student has completed his course of study and obtained a degree, he can stay in the UK legally by switching visa categories and apply for highly skilled worker visa or skilled worker visa in case they have an employer who wants to sponsor them. If they have found a partner in the UK, they can also apply for a marriage visa, common law marriage visa or same sex partner visa

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April 27

An excellent Financial Management for Students!

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It may not be affecting you directly, but the recent economic turbulence (which is supposedly heading for disaster) is just an example of what you may be facing the day you graduate and enter the job market. And, as those affected by the current economic crisis may tell you, now is probably the time to look at how you spend your money and to be more critical on those decisions you make which could affect the course of the rest of your life. Take debt for example, something which seems fine initially because you have a job (hopefully) and therefore will be able to afford the monthly installments or go to www.positive-idea.com But did you consider the other things you might be spending on which will add to your monthly expenses? Probably not.

The following will serve as a basic blueprint of financial management for students those still at school and those at college or university. Create A Balance Sheet

Now is the best time to explore the basics of financial management. First and foremost is the use of a balance sheet detailing the various incomes and putting them in contrast with the various expenses. Which one is greater? Are you already in debt? Oddly enough, most people recoil in shock when they put things down on paper for the very simple reason that spending is more of a continuous thing that a once off payment. Would you pay $8, 000 for a car this minute? No, probably not. Would you pay a monthly installment of $100 for the same car right now? Its the same way with spending: a myriad of little things accumulating over a period of time which could put you in an awkward position. What You Need vs. What You Want

The bliss about being a student is that those things you need to spend money on are often less than those things you want to spend money on. But, when work starts and the responsibilities start mounting, these two soon switch around leaving many people unprepared for the sudden change or visit www.change-ur-mind.com Along with your balance sheet, make a list of things you really need like housing, food, travel expenses, medical expenses, etc. Budget

This is probably one of the last things you want to hear, but budgeting could set you on the road to riches faster than you think. This can be explained with the maxim: It takes money to make money. Saving now will give you that financial edge which could take years to reach before you are in a position to invest in those opportunities which capable of adding multiple digits to your bank balance.

As a final tip, and probably the most important one, educate yourself on the consequences of not having effective financial management strategies. Examples are abundant and will help you realize which mistakes not to make so that you may reach the top sooner.

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April 27

Graduation Courses In India The Scope Of Graduate Education In India

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Choosing the right graduation course plays an important role in choosing career afterwards. The term course here could be defined as studying a particular topic within a wider subject area. In India, many courses are offered to an individual to pursue their study on. Normally till 10th, one has to pursue general studies including languages, arts, science, information technology and physical education. In 10+2 (intermediate) one can choose between streams- Arts, Science and Commerce. Apart form those other courses such as Under Graduate (Bachelor’s Degree), Post Graduate (Master’s Degree), Diploma, Certification, M. Phil, PhD and numerous other doctoral degrees.

Among the graduation courses offered in India, they are widely categorized into Bachelor of Commerce, Bachelor of Science, Bachelor of Mass Media, Bachelor of Home Science, and Bachelor of Fine Arts. However, there are several courses within these branches.

Graduation is the first stepping stone post the intermediate studies. Diplomas and certificate courses can also be attended once an individual have cleared the intermediate education. Graduation is awarded to a student who has successfully completed his / her under graduate degree. Only a graduate can go for post graduate degrees or diplomas. Post graduate are the advance study of undergraduate courses. Graduation courses are offered in different streams which include Arts and Social sciences, Law, Medicine, Engineering, Commerce, Mass Communication, Journalism, Fine Arts, Textile Designing, Interior designing, Information Technology, Pharmacy, Hospitality, Management and several more.

Aspirants, after clearing their intermediate studies can apply for any of the above mentioned courses. Generally, Bachelor’s degree or under graduate course in India are scheduled to be completed within three years, whereas some of the Medicine, Law and Engineering bachelor degree programs continues for four to five years. One can also opt for distance mode of communication for the graduate courses through open universities. Open universities ensure that there is no pause to the education.

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April 26

Why Some Students With Low Grades Make it To Prime Universities

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It’s puzzling how some students make it to prime universities, while your application on the other hand, gets rejected. You wonder even more, especially when you know (modesty aside) that academically speaking, you are better than that person. That can only be attributed to one explanation: Universities are not all after the intellectually-gifted applicants.

Figures don’t impress that much. You got a perfect score on your SAT and ACT. You also graduated with honors. Still, those accomplishments are not enough for your application to be approved by panelists. There are still other components that matter aside from the figures that prove you are indeed smart. Admission essays, recommendation letters and extracurricular involvement also count. Universities, nowadays, do not only want students that can answer complex mathematical problems manually. They want those who recognize their passions and are working hard to pursue them. They want those that care not only about themselves, but also the community they are in.

Panelists don’t rank applicants. With the thousand applications they have to review, admission officials no longer have the time to group students according to GPAs and SAT scores. And even if they have ample time, still, they would not do so. They look into your grades for a minute or so, sometimes even only for a few seconds, to see whether you can keep up with the classes, and that you would not fail. And that’s it. After officials have seen your grades, then again you are on the same playing field as the rest of other applicants. In short, the admission process is not about the university arranging applicants according to grades, picking the top ten percent and then discarding those at the bottom of the list.

Character appeals more. Universities desire to admit students that would make their community more diverse. They want aspiring leaders, innovators, national athletes and motivational speakers. Do not just invest on your grades. Join organizations whose purpose you support. And do not move from one to another every year. This is not about the quantity. Show rather the developments you have made from being a member of the group, to being voted as among the officials. Also, join outreach activities during summer so you can beef up your application.

Do not feel jealous, If that is your friend who got accepted, then you should be happy more than anything else. Instead of fostering grudge, it is best that you work on your other applications, and work on compensating for what you may be lacking. This is for your benefit especially if you are waitlisted and are looking forward to be given another chance by a university of your choice.

Reference:

bboard.rhodec.edu

Essay-writing-services.org

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April 25

Student Loan Debt – It’s Not Funny Anymore Kids

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Over the last year I’ve sat in Starbucks and heard many a student complain and moan, then laugh about their huge student loan debt. Well, I don’t find it the least bit funny, nor do I approve of our government paving the way to yet another bubble building exercise, but that’s what’s happening, meanwhile colleges and universities have experienced more demand than supply so they have added on new wings, new degree programs and expanded campuses, all the while raising tuition costs to; whatever the market will bear.

In some regards I find it fascinating that the left-leaning academia will continually trash on free-market capitalism while they create a Disneyland type of environment which is not based in any sort of economic reality, then have the brass nuts to tell us how to run our economy.

Now then, there was an interesting piece on MSNBC Money online news on September 2, 2013 titled; “9 Ways to Cut Your Student Loan Debt” – For many, repaying student loans is a burdensome process. Here are some programs that can lend a helping hand,” in which the article sported many novel ideas from getting scholarships to good negotiation. But I have a better idea, get a job, or quit school.

Want to know what’s even worse? Well, the Wall Street Journal has reported that “JP Morgan Will Exit the Student Loan Business,” by Dan Fitzpatrick and Robin Sidel, September 6, 2013 which noted that the company only made $200 million in 2012 from their student loan activities, and yet lent out over $6 billion. What does this mean, it means that with the number of defaults and the chances of these student loans going bad, they cannot risk the losses for such little revenue gains. Congress and the Obama Administration put in price controls, as most socialist countries due in various sectors to no avail disallowing the raising of interest rates even when more and more student loans go into default.

If the banks cannot make money in this sector or making these types of loans they will stop, once they stop there will be fewer loans. Anytime price controls are instituted, and we know this not only from history but as any good student of micro-economics, there will be shortages. JP Morgan although not the largest player in the sector, is still a well-known name and if they’ve decided to do this others will follow, just as opponents to the interest rate moratoriums had predicted, as did I. Please consider all this and think on it.

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April 25

University Education In China And Turkey

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It has been showed that more than 70% of school leavers go to university in China, while about 60% of school leavers go to college in Turkey. In China, about 10% of school leavers decide to work after they finish high school education. Most of them have to work due to their failure in university entrance examinations. Although the Chinese administration supports relatively a few students to go to university, approximately 20% of school leavers have to abandon further study because they cannot afford their tuition fees. In Turkey, about 40% of school leavers will not study in university. Most of them establish companies by themselves or go to work as employees. Less than 2% of them abandon study due to economic burden.

It takes four years to obtain a bachelors degree in China and it is the same as in Turkey. Both of two countries universities test students by exams and course work. More than 99% of Chinese school leavers actually obtain university qualification, which is far more than the figure in Turkey that is only about 80%.

The majority of Chinese students prefer to live in university accommodations, whereas half of Turkish students live at home and half of them live in university halls. In China, most universities should provide enough halls for every student to live in university because most of students homes are far away from university. In Turkey, some students prefer living with their classmates and some of them enjoy living at home. It cost about $30 per month to rent a room in China. It is lower than in Turkey, which is about $35 per month. It seems that living standards are lower in China than in Turkey.
About 100 to 200 students attend an average lecture in China, which is far more than in Turkey. There are two different kinds of universities in Turkey. One is the private university; the other one is the public university. For private universities, about 40 to 50 students attend an average lecture while about 90 students attend an average lecture in public universities.

Both China and Turkey universities have cafeteria. However, in China there is no lounge while there are lounges for students in Turkey. It seems that Turkey has better education facilities than China does.

Every student in China has to pay tuition fees, which is about $280 per year. More and more private universities have been established in China. Their tuition fees are more expensive than public universities, which are reported about $720 per year. In Turkey, the tuition fees are free in public universities while private universities charge tuition fees about $300 per year.

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