Thứ Hai, 1 tháng 7, 2013

How to Get a Best Scholarship

After your first degree, there is also this need to acquire advanced knowledge, new skills to remain relevant in your chosen career or for the quest of trying out on a new career path.

Similarly, the desire to acquire university or technical qualifications and skills is growing in several countries of the world with the global vision of giving education to all. 


I explained what should be expected from you after your university career, though many people didn’t get these experiences while in school for one reason or the other.

Most people prefer to take up their further studies or professional development programs in another country other than their home country.

Consequently, several people lack the money to fund their education especially when they desire to study in a country with a currency value higher than their country currency value. This is evident in countries as United Kingdom, USA, Canada, Netherlands, etc. where international students pay higher fees for tuition, accommodation and maintenance. 


Most prospective students have resorted to seeking funding from organizations, universities and individuals in form of scholarship.

One great challenge about securing a scholarship is that too many applications chase a small fund. 

This article reveals some of the rules to adopt when applying scholarship to enhance the chances of your application being selected. 

Gather your admission and scholarship materials beforehand.
 
Most scholarship applicants do not know the application documents required by the school they intend to apply to. 

Different schools require different application materials depending on the country, course of study or type and mode of programme. 

Generally, the following documents may be required:
  • copy of Degree certificate usually certified/notarised copy in the case of scholarship application.
  • copy of transcript usually certified copy in the case of scholarship application.
  • Letter of motivation.
  • Two letters of Reference-professional and academic.
  • Fully completed scholarship application Form.
  • Letter of financial support or letter of sponsorship.
  • English Language certificate or other evidence of proficiency in English Language which is the language of instruction for course of study.

This requirement varies in countries where other international languages are used other than English Language such German, French, Japanese or Spanish. 

However, most universities would give a waiver on the English language requirement for countries whose one of the official languages is English language.

Start early to apply for admission into your chosen schools and programme(s).
 
When I was scouting for scholarship for my graduate programme, one mistake l made was to start my admission process late even though l thought I started early. 

l later discovered that the admission process takes at least three months or more depending on a range of factors. It could be delays in the postal delivery of the application documents or getting reference letters from your academic and professional referees, or getting your transcript(s) from your school. 

Therefore, if you want to start your programme in September for scholarship, it is good to start the application process from November of the preceding year of study. 


This will place you in position to be in possession of an offer of admission from the school, either conditional or otherwise, before the scholarship application deadline. 

The reason is that most universitiesand lnternational funding organizations have their scholarship deadline fixed between March and May annually. For example, the deadline for scholarship application for the University of Westminster is May 30 for September intake and November 30 for January intake. 

Take note of scholarship application deadline and work to beat it.
 
You should remember that any application for scholarship that did not beat the deadline will not be processed and you don't have any contractual agreement with the scholarship panel in this case as their decision is final. 

Most funding bodies do not permit sending the scholarship application documents through courier service fax or as email attachment. This could be a way of reducing the number of application to be received due to the available funding. 

Most scholarship applications are done online but you are expected to send the supporting documents through mail in some cases which would take some days to get to the destination or may be delayed due to transit problems. 

Construct a good letter of Support. 

The letter of support is expected to reveal to the scholarship panel why you need the scholarship, what amount of support you need-tuition, maintenance, or accommodation, the effort you have made in securing funding from other scholarship bodies or individual/company sponsorship and why you are the best candidate for the scholarship.

The letter of support should not write in a hurry. You should be clear, precise, sincere, persuasive and convincing in your writing. Remember that in most cases, you are not interviewed by the Panel. 

Your write-up represents you and one of the crucial parameters to be duly considered before awarding scholarship to you. 

Remember that scholarship opportunities are few and highly competitive. 

About two-thirds of prospective students need financial support in one form or the other which makes it very competitive to get funding for your programme. 

Most International funding Bodies and Universities receive large number of scholarship applications annually while they have few openings.

These Universities have devised means to reduce the number of applications by considering only applications that meet their criteria as usually stipulated in the application form. 

Therefore, you are expected to read the criteria for application very carefully considering the basic qualificationfor scholarship application for the programme, the number of years required as work experience, the language of instruction, the value and duration of the award. 

Most scholarships are partial while others are full. The partial scholarship may cover tuition (full tuition waiver) or accommodation only or maintenance only or a combination of the two above while full scholarships cover tuition, accommodation and maintenance. 
Do not apply for scholarship without an offer of admission. 

Almost all the Low Tuition Colleges and Universities require that you first secure admission into the programme of your choice before applying for scholarship.This is one of the reasons why you need to start early to apply for admission. 

Most applicants spend time running after funding opportunities without a corresponding letter of an offer of admission only to regret hereafter.

The scholarship awarding body wants to be sure that you would take up the offer of scholarship when awarded to you and therefore, would see evidence of acceptance into the school of your proposed programme of study. 

I wish you the best in your career ambitions.
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Scholarship for Indian Students to Study Abroad

Scholarship is an integral source for students to best utilize their potential and grow academically, especially for Indian students. In India both the government and non-governmental organizations support students to pursue education without any hindrances. In regards to scholarship for higher education abroad, minimal or interest free loan scholarship and grants are offered to students.


A scholarship is a reward of financial assistance for students to further their academic endeavors. Scholarship is awarded as per various requisites, which generally reflect the values and purposes of the donor or founder of the award.

National Overseas Scholarship \ Passage Grants comprise of 30 overseas scholarship and five passage grants awarded by the central government. 27 scholarship and four passage grants are awarded to Scheduled Castes, two scholarships and one passage grant is awarded to Nomadic and semi-Nomadic Tribes and one scholarship is awarded to Landless Agricultural Labourers and Traditional Artisans.


Dr Manmohan Singh Scholarship is PhD level scholarship offered to researchers with excellent academic record and leadership qualifications.

R.D. Sethna Scholarship is awarded to students irrespective of any caste, religion or creed. Loan scholarship start from Rs.10, 000 and more. The application deadline for R.D. Sethna Scholarship is 31stMay 2013.

Sahu Jain Trust Scholarship is loan scholarships given to students pursuing technical education; the maximum amount loaned per student being Rs. 1, 00,000.

JN Tata Endowment is an interest free loan given to students pursuing undergraduate, graduate and research programs, the JN Tata Endowment loan ranges between Rs. 60,000 to 4, 00,000.

Lady Meherbai D. Tata Education Trust Scholarship is awarded to women with exceptional academic record or work experience.

Inlaks Shivdasani Foundation Scholarship is awarded to graduate and research students with good academic record.

Aga Khan Foundation International Scholarship is awarded on a 50% grant and 50% loan basis through application once a year around June or July. Aga Khan Foundation is now accepting application.

BD Bangur Endowment Scholarship is loan scholarship offered to students pursuing graduate and research programs in the fields of medicine, engineering, technology, humanities, science and business administration.

K. C. Mahindra Scholarship is loan scholarship provided to students pursuing graduate degree. The loan amount ranges from Rs. 2, 00,000 to Rs. 8, 00,000.

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Bharat Petroleum Scholarship is awarded to students who pursue undergraduate programs with an academic score of 80% and above.

Hope this article helped you know about the scholarship available for Indian students to study abroad.

If you require more information and list of Scholarship, you can check www.uniguru.co.in> One of the popular scholarship website for Study abroad destination.
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Thứ Sáu, 28 tháng 6, 2013

Why I Buy A Health Insurance?

A fair number of people in the US have convinced themselves that they don’t need to purchase health care insurance or want its financial protections. Therefore, they do not understand why they should have to buy it.

These people are upset because beginning in 2014, they will be required by law to purchase health insurance or be financially penalized.

Many of them have managed to get by in the past because they have not had health problems, feel they can use Emergency Rooms if serious problems arise or have been able to rely on family members to help them out financially when they get sick.

Some of them may feel they cannot afford to purchase medical coverage.

Others simply do not want to spend the money to buy it.

No matter how such people feel, it is obvious that they are being unrealistic and unfair about their attitudes because the bottom line is that everybody needs to buy health insurance!

Avoiding The Purchase Of Health Care Insurance Creates Many Problems


Many of these individuals have good health histories.

They have never been seriously ill or had to face the financial consequences that come with poor health.

They do not understand (or do not want to understand) that their failure to address their health care responsibilities damages the finances of other people and also has the potential of taking their own lives.

Many assume that because they've never been sick, they will always be healthy.

These are the types of attitudes and thoughts that ruin lives.

Someone commented recently that it is their own business if they choose not to buy health insurance.

Really?

If people don't protect themselves with insurance, who do they think pays when they get sick? Do these people think it is fair to put their personal burdens into the wallets of their fellow citizens?

Interestingly, it is these same people who are screaming the loudest about how unfair the AHA is when it is obvious that they are the very reason the law is requiring all citizens to purchase health insurance!

Health Care Insurance Is Your Only Protection Against Financial Ruin

One day a student of mine came limping into class just before the end of the lunch hour.

I asked him what was wrong, and he begged me not to share what he was about to tell me.

He had rheumatoid arthritis.

He was 14 years old. His parents did not think he would need insurance because he was young and seemed healthy. Once he got sick, insurers refused to cover him because of his “preexisting” condition.

His parents had to file for bankruptcy because of their mistaken attitudes.

The point of this story is that illness does not discriminate.

It strikes people of all ages, and it can show up at any time.

Using youth or current good health as reasons to avoid purchasing health insurance is a serious mistake that impacts many people in addition to the person who assumes he is safe.

In this particular situation, if the AHA had been in force, the parents would have been able to purchase coverage for their son even after he became ill.

Furthermore, they would already have had it because of the legal requirement to purchase it.

Medical care Is Expensive, And Health Care Insurance Pays The Bills

Making wrong assumptions about your health or ignoring potential health problems can be costly and deadly mistakes.

Without the financial protection that comes with having medical coverage people do not get the kind of good care and medication they need when health problems arise.

Doctors do not work for free, and medicine can be very expensive.

Emergency Room care is good for health problems such as broken legs or heart attacks, but if you have Cancer an ER can only offer temporary relief.

You should never count on using Emergency Rooms as substitutes for ongoing, appropriate medical care.

  1. If you cannot afford to pay for the best surgeons, you likely will have serious and sometimes deadly problems following operations.
  2. If you cannot afford the thousands of dollars some medications cost, you will suffer terribly and possibly will die.

This may be blunt, but it is fact.

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Without Health Care Insurance, Your Finances And Your Health Are Not Safe

There are people all over this country who suffer every single day with diseases too horrible to imagine.

These are diseases that aren’t going away and cannot be fixed.

You may be thinking right now that this is very sad and that you are sorry so many people are sick, etc.

That is not what I want you to be thinking.

I want you to be thinking that these situations and worse could happen to you at any time, in any place and without warning.

The only one who can protect your health and your finances from such illnesses is you.

You do it by purchasing good health insurance.

So when the AHA becomes fully implemented in January of 2014, make sure you buy the best policy you can afford.

There are many reasons for spending your money on health care insurance, not the least of which is that It is the smartest and most responsible thing you can do to protect your health and your finances.
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Thứ Tư, 26 tháng 6, 2013

How To Get Money Without Adsense

Are you searching for a way to make money onlie? Google Adsense would be one of the best choices because Google has proven itself as a leader in the entire web space through their adwords and adsense program. Google AdSense seems to be an essential part of any
website where the publisher seeks to keep quality content available for free. However, what whether you are not accepted into the Google AdSense program, or you don't want to do business with Google. Sometimes publisher or a blogger also required to take a look at the alternatives of Google Adsene to make money online just because Google has banned a publisher account for click fraud or not adhering to their policy.
Perhaps if that may be not the case and you are having an adsense account. There are a number of contextual ad programs which you can run along with Google Adsense to make some extra cash online.


There are lots of contextual advertising network currently offered on the internet and it may confuse you to opt a better alternative of Adsense. So here you can go with my personal top 5 Google Adsense alternativesrecommendations to make money online. But before choosing an alternative to Google Adsense, I would suggest to check out what kind of traffic you are generating to your blog.
1) Adbrite

According to me, Adbrite is currently probably the most popular ad networks after Google Adsense to make money online. The most efficient feature I like about Adbrite is, approval and rejection of each advertisement in users' control before it's displayed on their websites or blogs. It helps to display advertisement related to the content of your blog. Furthermore you are allowed to modify the style of advertisement according to your blog format. Adbrite offers ads by content, banners, in-line text ads(such as Kontera or Infolink), and full page ads. To make money through Adbrite, You need to register with their website and they will your website/blog withing couple of days.

Payout: 100$ or you can choose.

2) Bidvertiser

Bidvertiseris another good alternative of Google Adsense. It's somewhat similar to Google Adsense and offering you only contextual and feed advertisements. Their ad formats look such as Google Adsense ads. The most important thing I like about Bidvertiser is that they offer your ad space to the highest bidder. So Bidvertiser could be a good choice for you. However, these ads cannot be used along with Adsense but it could be a great choice if you are not having an adsense account.

Payment: Paypal and Checks.Payout: Min $25 by Check, Paypal min $10

3) Infolinks

In-text ads (also called inline ads) are presently on the edge of becoming standard practice. You can now find In-text ads all over the web, covering billions of page views and generate millions of dollars in revenue. And Infolinks is leading the in-text ads providers. Upon a mouse hove on double-underlined links, a small bubble holding an advertisement will be opened up. You will generate revenue when your visitors will click on those links. This is the basic ad formate of Infolinks. It could be a good choice for blogs which are generation high traffic. It's pretty easy to setup. Register with Infolinks website, copy and paste a short JavaScript code on your blog and your accounts will be reviewd within 24 hours.

Payment: PayPal, Bank Wire, ACHMinimum payout: $50

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4) Kontera

Kontera is the second most popular inline text ad network. HubPages also allows revenue sharing using Kontera In-Text ads. You just need to add your Go in your HuPage Account, click on AffiliateSettings, add your Kontera Affiliate Code in the field of Kontera and you are done. Now onwards, each time you create a new Hub, Hubpages embeds Kontera In-Text advertising for you. Your blog will require good page impression to get approval in Kontera. However, they offers good customer support and pays on time. What I like about Kontera is their affiliate program. Kontera has it's own affiliate program which can help you make some extra cash. If a publisher sign up through your affiliate link, you will receive a bonus of 10% of their Net Revenue for the first year with Kontera. However, I would suggest to go through their terms and condition before you go with Kontera Affiliate Program.

Payment: PayPal, Bank Wire, ACH (Only for U.S. bank accounts)Minimum payout: $50

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5) Chitika

Chitika was founded in 2003 and having hundreds of name brand advertisers and merchants. Chitika could be a good alternative if your blog is all about review and promoting products. Do strong keyword research on a product your are going to promote and you will earn better with Chitika. We also use Chitka for our blog.

Payment: Paypal and checks.Minimum Payout: $10 for Paypal, $50 for checks.

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There are many other ways to make money online. If you are good in writing fresh, informative and original content, you can start making money on HubPage itself using Amazone and Ebay Affiliate Programs.

Do you have feedback of using any of Google Adsense alternatives? We will appreciate if you would like to share them below in comment box.
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Thứ Bảy, 22 tháng 6, 2013

The Best Way to Buy Car

The Facts
 
I'm going to let you know the best ways to buy a car and how to save as much money as possible. I've been in the car business for years now and I've seen all the ins and outs of the car
buying process. If you have bad credit or poor credit scores I've found that no matter what your gonna pay a high interest rate and the chances of you getting grossed on are a lot lower then say someone with good or outstanding credit. Unless you have a ton of money down or high equity trade the dealer will most likely have to drop the price of there vehicle in order for the banks to accept the loan. So now ill get into how to start.

Do Some Research

The first thing you'll want to do is find out what your looking for. Figure out whats in you budget once you set a goal or boundary don't exceed it! If you have an established relationship with your bank or credit union consult them on what your goals are and the payments you'll be looking for. They'll be able to ballpark an interest rate for you and an overall purchase price for
you to achieve. Now you'll need to figure out the vehicle you'll be wanting. If you go used you may end up with a vehicle that needs repairs but you'll save money. If you go new you'll take the "hit" when you drive off the lot your vehicle wont be worth what you paid but you'll have the piece of mind of the full factory warranty. The decision is yours. I've found that most of the time where I work we put our best prices online so visit the dealer website and assume there's around $2000 mark-up on top of there online price. So whatever you find online do your research. and make sure its within book values.

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The Tricks Of The Trade 

Now that you've done your research and have the perfect vehicle picked it's time visit the dealer. Don't get overwhelmed as you pull into the dealership the salesman will swarm on you immediately. Its there paycheck and it can get aggressive. So once you have a salesman go ahead and enter the dealership with him. There gonna want you inside sitting down to find out your goals there's no need to get offensive at this point if your actually in there to do business. So get to the point let them know what you've found online and what it is your there to accomplish. There's several ways the salesman will try and make money and i'll tell you how. First if your vehicle has been sold they may wanna switch to something comparable. This can be okay as long as you do your research first. So see what they have in mind and then take the time to go online either on your smart phone or leave if you need to. Second if your trading anything in there gonna hold on your trade. It's almost impossible to get blue book retail out of a dealer but at least want to see it somewhere close to good trade value. Really your best bet is to sell the vehicle privately. If your ready to negotiate always know there's gonna be room to drop the price. Don't focus on the payments the salesman is gonna want your attention there instead of his price. When playing the numbers game get your rate upfront and dealers typically show you a higher rate then your true rate to see how you'll react to the payments. The reason why is to secure money on the "back end" to sell you a warranty and make it seem like your paying nothing for the extra protection. Now that you've gone back and forth with negotiations the manager will try and come in to close you at this point a good test to find out if there's anymore wiggle room is to say "well i need to go home and think about it" If they let you leave without offering one last discount then I'd say you got your best deal!
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