Student Plans – Health Insurance for College Students

Most colleges require students to carry health insurance, though plan requirements vary from college to college and university to university. Most schools offer health insurance plans to its students, which can be waived if the student is covered under a family plan, or under a parent or guardian’s insurance plan. Student plans are known as SHIP, Student Health Insurance Plans. For students enrolled in a health insurance plan through their university or college, the premiums are often part of the school fees and tuition costs. Some college student plans require visits to the school’s health center and does not allow students the choice to see their own physician.

A student plan typically covers trips to the college or university’s health center, prescription medication, checkups, and will sometimes cover appointments with specialists. A copayment or deductible may be required for emergency room visits, if covered at all. Each plan is different and each school has different plans. Research the plans available at the school of choice prior to enrollment. A student may also benefit from looking at student plans from private insurance providers outside of school. Since health insurance rates and premiums are competitive, it is well worth it to shop around and research plans.

In addition to a SHIP plan, more coverage options may be attainable through additional voluntary student plans. These voluntary plans may allow the student to see doctors other than the ones at the student health center or go outside the network. A voluntary plan may also provide the student with the ability to receive health care from specialists and may provide additional medication coverage as well as dental and vision coverage. This is a great option for students that have monthly prescriptions or conditions that may require visits to a specialist.

Students entering college are required to have a medical checkup and have several vaccinations. With these medical costs that are incurred before school even starts, it is a good idea to have student coverage health insurance prior to starting college. International students with a J-1 exchange visitor visa are required to have student health insurance as well, per the U.S. Department of State. An international student should choose a student plan that also includes medical evaluation insurance, health and accident coverage, and repatriation of remains. The basic plans offered by universities and colleges will cove basic medical needs and medications, but more extensive coverage can be obtained from other student plans.If you need assistance in locating particular coverages at a pre-determined price, we can help save 50% on health insurance.…

The Science Behind Successful Testimonials

First of all, let's talk about 2 different kinds of testimonials I see out there. I call them pamper testimonials and results testimonials. Pamper testimonials talk about how nice it was to work with you, how great you are and how much fun they had. They will not hurt your marketing and they will add a little bit of spice to you when they are nicely mixed in with the results testimonials. However, if all you got is pamper testimonials, alone they will not bring you many clients. Results testimonials are more specific and they talk about what the client actually got after working with you. "I made over 10K in two weeks after our VIP day …" or "my head was was the next day after our session" or "I met a wonderful man after this program and now we are getting married …" get the picture.

So the big question is, what do you do if most or even all of your testimonials are pamper testimonials or if you do not have any testimonials at all? Maybe you are just starting out or maybe you have not had a chance to ask your clients for testimonials, or maybe they promised to give you one but have not gotten around to it.

The first thing I would recommend is this, always ask for a testimony and try to do it at the right time. Timing is everything. Do not wait until after your last session or when they have already gone through your program. They may say yes, but life will get in a way and they might forget. Instead, try to catch them when they are feeling great about your work together and maybe even bragging about something they were able to do after your last session. That's when you can ask them if they are willing to put it in writing.

Also, when you ask for a testimony, make sure you fully explain the benefits both you and your clients will get out of it. For you the benefits may be obvious – it adds credibility and Promotes you. For your client it may give them more exposure and promote their business as well. You may want to tell them, "would you be willing to give me a written testimony I can post on my web site which will at the same time also promote your business." I understand this approach will only work if your business is not anything personal or intimate.

I believe there is a lot more to a testimonial than just that. I see them as gifts and expressions of gratitude. When you are in a state of gratitude, you are naturally a lot more attractive. When you read clients testimonials at your events or during your promo time, do not just read them. Make sure you add a touch of humbleness to the way you talk about the success of your clients. After all, it is not just about you and how …

Introduction to Agricultural Science

Agricultural science is the study of the practices involved in the field of agriculture. Agricultural science and agriculture, although related to each other, are essentially very different from one another. Agriculture is the art of growing plants, fruits and vegetables for human consumption. Agricultural science, on the other hand, deals with research, improvement and development in techniques of production like irrigation management, pest control etc. It includes the processes necessary for improving the quality and quantity of agricultural products.

Agricultural science deals with transforming the primary products to finished, consumption-ready products. It also involves the prevention and correction of adverse factors hampering productivity. It has been referred to as a local science because of its strong relation to the local areas. It is often considered to be a science dealing with eco-regions as it depends largely on climate and properties of soil in a particular area. These factors vary greatly from one place to another. Many individuals are of the opinion that agricultural science depends on the local weather and local soil characteristics, so specific crops need to be studied locally.

History

The path breaking work of Gregor Mendel in the field of agriculture made its study very popular around the world. However, in the modern era the chemical fertilizer industries in Germany revolutionized the field of agriculture in the eighth century. In USA, a revolution in agricultural science began with the passing of the Hatch Act in 1887. The driving force behind the Hatch Act was the need of the nation to empower the farmers so that they could improve productivity and feed the growing population. Since the early nineteen sixties, agriculture has gained a lot of importance in developing and developed countries.

This process was known as the Green Revolution and was linked to the process of selecting and substantially improving crops for maximum productivity. Even today, a lot of research is being conducted in this field of study, which has led to the emergence of various new areas of study like waste treatment, pest management, agricultural philosophy and others that focus essentially on food production. With the growth in world population, agricultural science is the one science which will play an important role in ensuring the continuity of the human race.

Agricultural Science Degree

Agricultural science is a multi-dimensional approach to understanding and practice of various economic, social and natural sciences that are involved in agriculture. Students who graduate in the field of agricultural science have a fair understanding of the relationship between farmers, ecosystems and end-consumers through the intensive study of economics, animal husbandry, botany and everything else which is involved in the field of farming and food production. Since more than half the population of the world is indirectly or directly involved in agriculture and production of food, degrees in agricultural science provide a broad spectrum of career choices ranging from education to agronomy.

The degree consists of a curriculum that prepares the students for entry level jobs in this field. They are trained in …

What's the Difference Between a BA Degree and BS Degree?

If you are looking at college degree programs, you may have begun to get overwhelmed by the number of choices available. Some of the more common degrees you will see are the BA (Bachelor of Arts), BS (Bachelor of Science), and BFA (Bachelor of Fine Arts). Although you may even find some of the following degrees offered at your university as well: BSW (Bachelor of Social Work), B.Eng (Bachelor of Engineering), or B.Arch (Bachelor of Architecture). For the purpose of this article, we are going to stick with the two most common degrees: Bachelor of Arts and Bachelor of Science.

Now, you may assume that one would get a Bachelor of Arts degree in an arts or Humanities subject (Music, Art History, English, etc.) and a Bachelor of Science degree in a Math or Science subject (Biology, Statistics, etc.) . However, if you look at your college catalog, you may find that you can get a BA in Biology, or even a BS in Theater … what gives?

Well, in these two degrees, the 'Arts' or 'Science' part does not design WHAT you studied, but instead HOW you studied it. A Bachelor of Arts degree is a liberal arts degree. Generally, out of 120 credits, only 30-40 are in the major. This allows for lots of flexibility, but not a ton of focus on the major. A Bachelor of Science degree on the other hand, requires 50-70 credits in the major and may also require cognates or limited electives. This provides a more focused, but slightly less well rounded degree.

So, how do you decide which one to go for? Well, first you will want to see which degrees your school offers in your major. If they only offer one or the other, then you have no choice. However, if you are lucky enough to have your pick between the two, then you have some choosing to do. Think about how intensely you wish to study your major. If this is something you wish to truly focus on for four years, then go with a BS degree. If you like your major, but wish to undertake a minor, double major, or simply take a lot of electives, then you may wish to take the BA degree.

The next step you should take is to look at your college's catalog and check out the course requirements for each degree. Sometimes different courses are required for each. For example, a statistics course may be required for a BS, but a foreign language course may be required for a BA. Simply look at the requirements and choose the one which excites you the most. …

The Exceptional Cognitive Abilities of Dolphins

Dolphins are perhaps the most intelligent aquatic mammal on Earth. With their self-awareness and abilities to communicate, reason, express emotions, adapt, and perform altruistic acts, they have spread across every ocean and many freshwater rivers in the same way humans have populated every continent. The cognitive abilities of dolphins are exceptional. Below is a close examination of this mammal’s brain size, structure and remarkable cognitive abilities.

I. Brain Size/Structure:

Dolphins have a large, folded brain with an exceptional intellectual capacity. As a result, they learn extremely quickly and possess the ability to produce creative responses.

Although their cerebral cortex is 40% larger than that of humans, it is shallower, resulting in a neocortical volume that is 80% of that of humans. Nonetheless, both possess comparative cerebral hemispheres and folding to process sensory information and stimuli.

The average bottlenose dolphin brain weighs 1.7 kg (.4 kg more than the average human brain). When comparing brain size to body size – the Encephalization Quotient (EQ), the average dolphin brain registers between 4 and 5 (second to the 7 EQ of the average human brain and significantly higher than the EQ of any other type of animal including the great apes). This indicates a close proximity to human cognitive abilities.

In comparison to humans and other land mammals, a dolphin’s brain has five versus six layers in their neocortex, with no functional segregation. This likely permits humans to focus on greater detail and dolphins to process sensory information at greater speeds, which may be more critical in a 3-dimensional water-based environment with few distinguishable landmarks where sound travels 4-5 times faster than on land.

In addition, relative to brain size, a dolphin’s brain has a significantly larger cerebellum than a human. This is likely since an aquatic environment places greater need on motor control. Furthermore, a dolphin’s cerebellum is also larger due to the absence of functional specialization, since it is likely used for cognitive processing.

Unlike the human brain, a dolphin’s brain includes a paralimbic lobe to enhance integrated information and emotional processing. It is likely that emotions play a greater role in a dolphin’s life than a human life.

Dolphins generally sleep in a semi-alert state by closing one eye and resting one side of the brain at a time. They usually alternate, closing one eye for 5-10 minutes and then the other. Within a 24-hour period, dolphins generally rest each eye and each side of the brain between 3-4 hours.

This is necessary so that dolphins can keep a lookout for potential predators – usually large sharks and killer whales. Remarkably, many dolphins in captivity, having recognized the absence of potential predators, rest both sides of their brain simultaneously, sleeping with both eyes shut.

II. Social Setting:

Dolphins are exceptionally social animals, consistent with humans, great apes and other creatures displaying high levels of intelligence. They occupy home ranges and live in pods or schools known as fission-fusion societies based on subgroups of age and sex-related individuals with size varying …

Types of Online Courses for Getting Degrees Online

Online Courses are available at all levels of education.

There are three basic formats of Online Courses involved in degrees online. Independent study or correspondence courses, synchronous courses and asynchronous courses are all offered as online classes. There are also several combinations of these. It is necessary to determine what is your preferred learning style and then locate online classes that suit your preference.

Independent Study or Correspondence Courses

Independent study or correspondence courses are not formal classes, but rather are course materials that are available to students enrolled in Online Courses, via print or online. After signing-up and submitting payment, the course material is sent one of two ways. One method would be by delivering through postal mail or email, while an alternate method would allow the students to receive password-protected access to the materials online. In such courses, the work is completed and returned to the professor in the same manner in which the course material was delivered.

Students will have a specified period in which to complete all course work. sometimes this may be for three to six months or even up to a year. Some professors may require that only one assignment be submitted at a time, while others may require that all work be completed and sent all at once.

There are both advantages and disadvantages to this format.

There are online courses for high schools to University degree completion.

The primary advantage is that the work can be completed at the student`s convenience during the duration of the course. The major disadvantage is that procrastination can often result in the course being uncompleted. Another disadvantage is that, if all work is sent at once, there may not be a period of effective feedback, with the opportunity to learn from mistakes.

Synchronous Courses

Synchronous courses are those in which the students and professors are all online simultaneously, usually in a chat room, while the professor lectures in real time on the computer. The increasing use of streaming video is easily reproducing the classroom environment. Online universities with synchronous classes, schedule them just as if students were required to attend campus with attendance being recorded. An added benefit is that recordings are always available for review.

Scheduled real-time meetings may not be suitable for everyone if there is a difference in time zones. Before signing up for a synchronous class, you should find out the online class schedules, the requirements for attendance and the penalties for missing class.

Some experts contend that online courses are not for everyone, however, the major component for success in getting an online degree should be the required motivation and necessary commitment.

It is possible to complete a PHD program entirely with online courses.

The paradigm shift in education appears to be accelerating as more educational institutions and universities adopt. Universities in Canada have developed a consortium called the Canadian Virtual University , that is a partnership of colleges and universities, offering over 250 diplomas, degrees and certificates, completely online.

It …