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An excellent Financial Management for Students!

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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A Guide To The Fire Inspector Courses

Fire inspector courses are study programs which help to train students for fire safety and fire prevention techniques. Along with that it also gives fire investigators information regarding forest fire and other accidental fires. For students, who are interested in becoming fire inspectors, there are various degrees and certifications available that provide the right knowledge and training for becoming a certified inspector.

As fire inspection has direct effects on the safety of the building and the people, a trainee fire inspector generally requires passing certified tests before being allowed to inspect any property for fire damage. The courses of fire inspection are in the form of degrees or certificates that teach students the basics inspection. The students are taught how to inspect various different types of buildings and predict the areas of fire risks. Fire codes and adhering to the standards are imperative for the safety of the building and students during their studies get completely familiarized with the codes and standards.

Most commonly, the inspector courses last for about a year or two. In the first stage, the students are offered certificates which eventually lead to a comprehensive inspection certificate that must be endorsed by the local government or administration before an inspector is allowed to become an official inspector. Students, who are interested in joining, must have some sort of former prerequisite education, but for a bare minimum, a high school diploma is required.

If we take a look at the curriculum of various courses, we would find that the courses are pretty advanced and teach the students a whole host of fire related techniques. Some of the courses include a history of fire which includes fire science, fire prevention and the technologies used. Other courses include suppression techniques, building and protection coding, research on fire and arsons.

Having a career in fire inspection entails pretty good career growth opportunities. The employment outlook for these courses is expected to grow even further as this field will get more attention from the state and other federal governments. The recognition of inspectors can be estimated by their median salary which is around $50k per year. Job prospects are good for those inspectors who have good experience with suppression techniques and other scientific methods of fire removal.

For students, there are various study avenues regarding fire inspector education. Some of the federal and governmental organizations provide paid and free courses for prospective students. For long term degrees, there are various universities that have associate and bachelors degrees related to fire safety education. The best bet for these students is to get as much practical knowledge as possible and get the best hands on training as possible. Students are required to undergo a lot of practical training before they are allowed in an actual scenario. The fire inspection field is pretty unique as it not only offers professional training but offers a chance to make a difference in the society as well.

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India Education has to stay in Government Hands

The budgetary allocation for india education, should be revised every five years, Right now, the money allocated for education is far too inadequate. We need to set apart at least 10 per cent of the GDP to meet the educational requirements of india. Inviting private players will turn the education sector into an educational bazaar. They are interested only in making money and lure students with false promises.

People who impart education should be able to identify with the students and display an active interest in their future. If the corporate houses are really interested in making a contribution to the india education sector, they should provide money to the government or institute scholarships or fellowships for the students. The point is if the government really has the will, then it can find the money.

The salaries of professors in colleges should be fixed at reasonable levels. The government will actually be saving money by rationalising salary structures and this money can then be spent on providing quality education to students. The government is also not filling up existing vacancies in universities and colleges. The money thus saved can be diverted for educational purposes as well. The disparities in salary levels become more glaring among guest lecturers. Even after the recommendation of the University Grants Commissions pay review committee that guest lecturers be paid a salary of Rs 25,000 per month or Rs 1,000 per lecture, they are at present offered just Rs 200 to 300 for every lecture. Even the various teachers associations are not talking about the poor salaries doled out to the guest teachers.

Another important point is that india education should percolate down to the grass-roots if it has to have the desired effect. The government, instead of helping the poor to get educated, is withdrawing financial support for the education of the downtrodden. Nearly 30 years ago even people living in rural areas could access good education because the fees were very low. The government also displayed a relatively more positive attitude towards imparting education..

Today, people are going to big cities to pursue higher education after paying exorbitant fees. Even then, very few enroll for higher education in india. Schools and institutions of higher education in india should be allotted sufficient amount of money to take care of the requirements of the student community in rural areas. Education must not remain in urban areas alone, It has to reach the village level.

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Top 4 Tips On Where To Find The Best Scholarships

Majority of us dream of getting scholarships either to join college or other institutes of higher-learning. Not everyone has the means to educate themselves, especially with the outrageous cost of fees people are paying nowadays. There are so many categories – scholarships for dads, single mums, high school graduates, charity – you have no excuse not to apply for one! However, after applying, you are left with the uncertainty of whether you will get it since thousands apply for them. Unfortunately, there are usually few or limited ones to give out. Some have so many requirements and documentation that it kills your morale to even start applying for them. Do not give up – you never know! This time you might be lucky. Here are some tips on finding the best scholarship for you.

Internet services

The internet has everything! You can find a good scholarship here if you look more carefully than browsing through the thousands of results you get after searching. In fact, the internet not only gives you many options, but the best ones, so your work becomes easier by choosing only what you want.

Universities/colleges

Most scholarships are given through higher learning institutions such as universities and colleges. Try finding one and you cannot miss scholarship offers made to both students and non-members of the institution. If you are already in a learning institution, consult the dean or lecturers about this as some of them are advertised internally and not everyone gets an opportunity to apply for them. Here, you will also get tips on how to apply, to beat the high number of applicants. Similarly, financial-aid officers could also be of great assistance and may give you some insight on private and corporate foundations that have similar offers.

At work!

There are many organizations which offer their employees scholarships. Others offer tuition reimbursement such that they fund your education and you pay them in installments over a certain period of time. This could be a great source of funds for your scholarship and to top it up, the likelihood of being retained in the organization is very high!

Church

Yes, you read it right! Churches do offer scholarships for all kinds of people; they even have scholarships for single dads and mums! Talk about no discrimination. You might be thinking these scholarships are religious-based and all, but they offer similar ones as colleges do, maybe most of them might be on theology and the like, but you cannot miss other fields to apply for.

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How To Choose Right Mba Singhania University

Singhania University that offers diverse degree courses in all major disciplines, awesome boarding system especially for international students, well qualified and experienced instructors, excellent study environment, latest course content and also provide great exposure to internship and recruitment programs.

Rajasthan is one of the tourist destinations that attract tourists from all over the world. Here you will find awesome wildlife sanctuaries, night camps, rich culture, traditions, people with different dresses and customs. Rajasthan is famous for its royal living style where you will find havelis and mahals. Apart from tourist it also attracts students from all over the world. As Rajasthan houses number of prestigious universities famous for quality higher education. Like Singhania University that offers diverse degree courses in all major disciplines, awesome boarding system especially for international students, well qualified and experienced instructors, excellent study environment, latest course content and also provide great exposure to internship and recruitment programs.

If you have a plan for pursuing master of business administrator or any management or business programs then Singhania University is your destination. Where you will find latest mba programs with excellent exposure in exchange ideas with international students and faculties. As Singhania University, Rajasthan always try to keep in touch with latest market trends in order to offer latest and diverse management degree courses that make student a perfect to compete with corporate world. In due respect of MBA syllabus Singhania university offers in four semester including Management Concepts & Organisational Behaviour, Business Communication, Marketing Management, Mathematical Statistics for Management Decision, Accounting for Managers and Computer Application in Management. All these course content are meant for 1 sem. of MBA. In 2nd Semester you will find Human Resource Management, Financial Management, Production Management, Business Research Methodology, Management Information System, Operation Research and Managerial Economics. After second semester you will find that you are in a way to understand what exactly MBA is. As it provides complete curriculum that enable students to understand the different management queries of a particular company.

After second semester in third sem. Student will get a chance to go through International Business Management, Business Environment, Advertising Mgmt, Consumer Behavior, Industrial & Management Relations, Training & Development, Labours Legislation, Management of Financial Institutions and Income Tax. In Fourth semester the course content includes Business Law, Sales and Distribution Mgt, Marketing of Services, Compensation Management, Performance Management and Manpower Planning. After 4th sem students will also get chance to go for internship programs and in turn Singhania University also offers recruitment services to their A grade students. Singhania University is one of the top class Rajasthan University that plays a vital role in promoting education in Rajasthan at international standard.

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Homeschooling Pros & Cons

When you are researching the homeschooling pros and cons one of the subtopics will inevitably be that of the time commitment that is required of the parents who are considering homeschooling.

The time commitment homeschooling pro and con is a question that I get asked frequently. Everyone says that they know that there is a big time commitment to homeschooling their children. At this point, I like to gently remind them that homeschooling requires an enormous amount of time! Aside from the daily tasks you will have of being a homeschool teacher, remember that you still have to make time to plan your lessons, keep your appropriate records, and evaluate your childs progress.

Family communication is a big key when it comes to the homeschooling arena. You need to talk together as a family when deciding if homeschooling is a viable educational option for the kids. Certainly, homeschooling works better for some than others. Some find the homeschooling time commitments overwhelming, while others enjoy the flexibility and dont mind the challenges.

Cost: This is certainly worthy of discussion as it pertains to the pros and cons of homeschooling. If you are starting from scratch, all of the homeschooling and educational resources that you intend to use can become quite expensive. And be sure to give great consideration and crunch numbers if you will be losing an income of one of the parents because they will be homeschooling.

On the positive side, there is an abundance of homeschooling parents that share their expertise and their home school resources. Also, make sure that you use everyday household items, your childs natural environment, and your community itself as homeschooling educational resources. When youre in your research mode, youll want to explore resource availability for future grades and even advanced subject matter.

As far as social considerations go, and people expressing concerns that homeschooling inhibits social development, we did not have any such problem, nor have I been able to find any solid evidence that supports this concern. As homeschooling parents, we dont want our kids to be socially inept or outcasts, and as such we make an effort to keep our kids active socially by participating in many of the normal extracurricular activities within the community. Also, with the flexibility that homeschooling provides, this will allow for more time for your children to volunteer in the community and be a part of many charitable events.

With any endeavor with the commitment the size and importance of educating your children, homeschooling pros and cons will surface. Know that the time commitment to homeschooling is huge but so is the love of your children. The financials can significant, but creativeness and budgeting can overcome. Social skills can decline, but only if you let them. In short, there are hills to climb, but none are too tall and as you gain experience; the hills are smaller and further between.

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Students Have High Risk Of Sustaining Injuries In School

One morning earlier this month, two vehicles struck a 13-year-old Orange County boy as he walked to school. The pedestrian accident occurred at some time around 7:30 a.m. in the 18900 block of Spring Street near Santiago Middle School, the school in which the boy attended. A westbound Toyota 4Runner struck the boy first, the impact throwing him into opposite lanes of traffic. An eastbound Land Rover Discovery was the second vehicle to strike the boy.

“He suffered moderate injuries and was taken to a nearby hospital”, explains Jim Ballidis, a California injury attorney.

Unfortunately, accidents that occur around schools are all too common. Hurried drivers, bicyclists, skateboarders, and pedestrians can be a dangerous combination. Moreover, the activities students engage in while at school can be dangerous without proper instruction and supervision.

Between 10% and 25% of the more than 14 million unintentional injuries to children each year happen on school premises. That’s not too surprising since more than 53 million children in America spend almost a quarter of their waking hours on school property.

Recently a verdict here in Orange County Superior Court documented the clash between the Huntington Beach City School District and the Camm family. The suit claimed that Samuel Camm had cut off his thumb while using the school’s band saw in his woodshop class. Additionally, there were reports that the saw was “defective and dangerous.” The school settled privately and the undisclosed settlement will pay for the various surgeries and accrued medical bills.

Last November, 15-year-old North High School student Zachary Kimura and his parents, David and Wanda, filed a negligence claim against the Torrance Unified School District after he suffered first- and second-degree burns on his face, neck, arms, and hands during an accident in one of the classrooms.

On Friday, October 22, students and staff members were cooking Korean barbeque on three butane stoves when one of the stoves malfunctioned, igniting into a fireball 6 feet wide and 12 feet high, reported the Daily Breeze. Kimura, who had purchased a plate of food and was waiting in line, and several other students were injured by the blast. His claim alleges that the school district neglected to take precautions to protect the students, to provide proper supervision, and to obtain permits to use the stoves in the classroom.

Due to the relatively high risk students have of suffering injuries, the Centers for Disease Control and Prevention, CDC, has created a new school health brochure. School staff and students will find safety tips and guidelines for preventing unintentional injuries in the 2010 National Health Objectives.

A free, downloadable version of the brochure can be found at the CDC’s website

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Sms From A Teacher Changes A Person!

In Shan Dong province, a secondary school lady teachers hand phone and a few thousands dollars was robbed by a motorcyclist. After she was being robbed, she sends 21 touching SMS to her hand phone and finally touches the robbers conscience. The robber returned the things that he robbed from her with an apologies letter.

According to the Qi Lu Evening Newspaper, the Secondary School Language lady teacher Pan Aiying was being robbed on Last Friday morning. When she came out from the a local Savings Bank after withdrawing some money and ride on her bicycle to head for home. Suddenly a young man with dark sunglasses riding on a motorcycle appeared from behind and snatched the cloth bag that is hanging on her bicycle handle and went off at high speed. The cloth bag contains 4900 rmb, a hand phone, a pay card and a id.

Initially she intend to report to police but she changed her mind with the intention to contact the robber and to see whether she educate him to be good again. When she reached her school, she borrowed her colleagues hand phone to call her hand phone. After a few ringing on her own hand phone, the robber hanged up the phone. She got no choice but to SMS him. Young man, I am a secondary teacher Pan Aiying teacher, I think today you need money urgently thats why you took away my bag. IF that is the case, I wont blame you. After this SMS was send, still no reply from the robber.

If you need the money urgently, you can keep the 4900 rmb to solve your problem. Please find a way to return the remaining things to me. You are still young. Doing one wrong deed is not terrible. But if you know that it is wrong and do not amend it then it is terrible. Now if you can amend it, it is worth more than any amount of money.

On that night, she continues to send SMS to him and try very hard to educate him. She sends a total of 21 SMS but did not receive any reply. She is very disappointed and intended to report to police the next day. The early next day, while she is leaving her house, she kicked something at her back yard; she picked it up and found that it was the bag that was robbed. She checked the bag and found that all the items were intact and there was an extra item; a letter from the robber. The letter stated: Respectful teacher Pan, I am sorry, I was wrong, please forgave me. I robbed your bag, but you are lenient to me, you educated me through SMS teaching me humanity. I will change and be a good person.

From this incident, we learn that man can revert from bad to good if we are able to touch him.

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How to Choose Distance Learning Courses

When you have to choose between distance learning courses there is a set of questions you need to ask and other factors to consider before you pick the direction you want to study in. There are a myriad of courses available to choose between and all of them look as inviting as the next.

The questions

What kind of qualification will I receive? You need to establish what type of qualification you need before you enrol for the course. You might find different courses offering different types of qualifications in the same field of study.

What will I learn during the course? It is important that you study the course outlines of the distance learning courses you are considering. This way you will be sure that you pick the relevant course for your studies.

How will the course be taught and will I have access to teachers? You need to find out this information as some courses only requires work assignments and practical exams while others might require written examinations.

The importance of access to a lecturer cannot be understated; it may the only place you find help when you are struggling with certain aspects of the study field.

What course materials will I receive? The study materials you receive for distance learning courses might make or break your study experience. Some educational institutions will include the material as part of the tuition fee while you might need to pay additionally for it at others.

What is assessed during the course? The assessment will provide you with valuable detail of how the qualification will improve your skills sets.

How much does it cost? The cost of the distance learning courses will surely affect your choice. You should however inquire if there are any hidden costs involved, like additional course materials and examination fees.

Are there any set application dates? Some learning facilities has set dates to apply for specific courses; you will need to apply for the course in due time.

Do the course require a deposit with monthly pay offs or do I need to pay for the course in full during application? Once off payment distance learning courses might be a better option as you might not need to sign any debit orders and incur additional banking fees.

Conclusion

When you are choosing a study direction or course you need to ask all these questions to ensure that you pick the best course for your specific needs. You need to think about the type of qualification, study materials and costs involved. Another aspect that might be of concern is if the institution is a registered institution and the courses they provide are accepted by the potential employees you are thinking of for your future career possibilities. If you are simply looking for additional training to further your own business acumen a registered course might not be needed.

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Grants And Scholarship For Students In Geosciences

Nowadays there are many geology scholarships and grants available. Students who intend to start a career in one of the geological sciences qualify. Grants, available to undergraduate and graduate students, include research, field camp and general tuition. many associations, foundations, and organizations across the USA award scholarships and grants specific to geology majors.

The Indiana Oil and Gas Association (INOGA) awards 1 scholarship in the amount of $1,000 to an incoming student who wish to major in geology, or a currently enrolled student switching to a geology major. Students must be enrolled at the University of Southern Indiana to apply.

The Rocky Mountain Coal Mining Institute offers scholarships to full-time junior and senior students pursuing a career in engineering or mining-related industries. The institute selects one student from each of the RMCMI states: Arizona, Colorado, New Mexico, Texas, North Dakota, Montana, Utah and Wyoming. There are 2 types of scholarships:
1. The engineering/geology scholarships are for $2,500 and renewable for up to 2 years;
2. The technical scholarship is a $1,000 one-time present for students who wish to apply their education in the coal industry.
every scholarship program contains 8 awards.

The University of Southern Indiana awards 8 scholarships to students demonstrating high levels of academic excellence. Applications, open to high school students applying to college for the first time, geology majors and earth-science teaching majors are reviewed by faculty.

Five scholarships, given in honor of Walter F. Sill, award to students showing academic achievements in geology, to a student showing promise who wants to study geology and to a student attending geology field camp.

The National Association of Geoscience Teachers offers $500 scholarships to students for field study. Moreover, NAGT offers $750 grants to two-year college faculty members and secondary school teachers to attend scientific meetings, buy classroom materials and take workshops.

Eastern Washington University offers 4 geology scholarships through the Department of Geology:
1. The Weissenborn Geology Scholarship is offered to senior level students majoring in geology.
2. The Rennebohm Geology Scholarship and the Felix E. Mutschler Memorial Scholarship are offered to lower classmen majoring in geology.