Introduction to Investment Funds – Financing University Costs

In December 2011 MPs allowed universities to raise undergraduate fees from £ 3,350 to £ 6,000, and up to £ 9,000 in "exceptional circumstances" such as Oxford and Cambridge. Financing a child's higher education pathway has there since potentially become significantly more difficult for a large percentage of those entering University this year and beyond.

This report investigates ways in which the burden of financing a child's University costs can be alleviated via sound financial planning and a solid investment strategy.

Junior ISAs

Junior Individual Savings Accounts (JISAs) were introduced in November 2011 as a means to establish an investment portfolio for young children in order to give them as secure a financial start in life as possible.

Junior ISAs can hold cash like normal savings accounts, or they can take the form of Stocks & Shares investments, but all benefit from having a yearly tax-free allowance.

Depending on the type of ISA chosen, they can either provide instant access funds or a long term investment fund helping to offer and secure a child's financial future, while promoting the concept of structured saving to the next generation of investors.

Investment Trusts

It is calculated that three years of University schooling plus living expenses will run up to about £ 50,000 in the current environment. This cost is projected to increase steadily through the coming decade.

As a result, investment trusts can be one of the most effective ways of accumulating funds in time for a child's higher education.

Investment trusts consist of diversified ports that are professionally managed. Because the portfolio contents are pre-selected by experts, opening an investment trust can be one of the simplest methods of establishing a successful long-term investment strategy.

Trusts exist with a variety of risk levels which allow investors to select on the basis of financial risk exposure versus return potential.

The level of risk accepted by an investor should depend upon factors such as the value of the initial investment, the length of time available before the child begins University and the investment growth requirement.

As independent journalist Malcolm Anderson states for example;

A trust might hold 30% of assets as cash, 30% as reliable bonds and 40% in diverse equities guaranteeing a stable return that is not overly subject to the volatility of the stock market.

However, a portfolio of up to 80% diverse equities may make better financial sense as the opportunity to earn greater debts is increased but if the stock market takes a downturn the investor will still have cash on hand to recoup losses.

If the investment trust can be structured for the long-term – 10 years + – even greater financial risks can potentially be taken which will yield the greatest returns in stable or positive conditions. Successful investments can be exploited for longer and there is also time to regain losses should stock markets suffer a fall. The fact that the natural short-term volatility of stock markets is balanced out over time means that investment trusts …

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Military Spouses Scholarship – Advance Your Education While Your Spouse is in Active Duty

Military Spouse Scholarships are designed to offer the husbands and wives of military personnel a monetary aid to go to college or any type of advanced education while their love partner is serving in the military. This is basically free money to be used on any education related cost. As you may know, going to college can be extremely costly.

1. Tuition expenses are really high. In many cases, they are thousands of dollars per month
2. books and other materials
3. computer or laptop for classes, plus the software needed
4. transportation costs

These are just a few of the many costs involved in pursuing a higher education. But the good news is that by taking advantage of Free military scholarships, you can get $ 10,000 of practice free money that you can use to cover any of those costs. Plus, since this is a scholarship and not a loan, you will not be required to repay this money back as soon as you graduate.

You can greatly reduce the costs of getting a degree if you were to pursue an online course. Many universities offer online courses, in which case all the materials will be sent to you and you can adjust your schedule accordingly and still get your degree. Plus, by doing it on the web, you are no longer bound by whatever geographical constants you may have or limited to attending only the schools in your area. Plus, since there is not too much competition for a free military scholarship, your chances of winning are greater. …

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The Career Mom is the CEO of Everything!

I realized the critical importance of the role of career mom when I had my kids and had to work at home at the same time. Not only are skilled moms assuming the roles of being mom, they are also taking on the role of being a woman, a wife, a daughter, a business owner or an employee, etc. And we're not even talking about bringing a driver to the kids, a cook to the family, a teacher or tuition teacher every single day of the year until the kids are capable of driving themselves around. Most of the time, the career mom may have to assume the role of psychiatrist and counselor as well!

Now, I do not know about you but I think this whole thing about multi-tasking and multiple role-playing is pretty hard to stomach.

That's why it's essential to the emotional and physical health of the career woman to take care of herself and remain in tip-top condition health-wise, emotionally, physically and mentally. As soon as we, career moms, crumble, the people around us who are dependent on us (although husbands may refuse to admit their dependency on us) will crumble along with us!

Career moms work, on average, 51/2 days a week and that turns out to be around 44 hours a week. And when they return home, it's not the end. There's no time to sit around, lounge around in the bath or put on a facial mask or anything like that because the kids need to be fed, the clothes need to be ironed, the floor needs sweeping and the garbage needs to be taken out! Career moms do not normally get overtime, if they are approaching above average salary and yet they do not get paid anything for working on the family. It seems that career moms have to spend right about 25 hours every single week on household responsibilities while their male counterparts get off work and STAY off work.

Balancing a career and a family is never an easy thing – no one in his or her right mind will tell you that it's a walk in the park. The process of trying to balance the importance of a career and the significance of the family in her life is never ending. However, with some form of plan that can help the career mom organize and plan the days of her week, a career mom might be able to find some time to spend on herself!

A career mom, Kimberly, once told me that she made a pact with her husband, Geoffrey, that he is not to watch television on Mondays, Thursdays and Sundays because those are the days that Geoffrey is expected to help deal with the kids. Kimberly further told her husband that she will go the gym or attend to her personal needs every Thursday and Sunday, hence, Geoffrey will have to take over from this career mom, family-wise. Although we have to admit that not every …

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Education Career – Top 10 Skills Needed for Education Jobs

Making a successful education career is not an easy task. It requires a lot of hard work, determination and patience. In order to fetch out an education career for yourself, you must have a great academic career through. Along with it, you must have some special skills. Read on to find about them.

The skills:

• You must be a very good learner: learning is something that you must get a grasp of. You have to face examinations every now and then. You must learn in order to prepare for the examinations. Not only will you have to learn up your textbooks, you must read books other than your text books. This will help in increasing your knowledge. Just limiting yourself to text books will not take you a long way if you are planning to make a career in education.

• Writing skills: viva or oral examinations are very few. You must be able to produce in paper what you have learnt. Writing skills are very important when it comes to education career.

• Public speaking: if you want to be a teacher, a professor or a lecturer, you must be able to do public speaking. You will have to appear in front of a large group of students and interact with them, impartial knowledge etc. in cases of seminars you will have to interact with a larger number of students. So you must be able to speak well in order to hold the attention of students.

• Self management is very important: remember that you are in a very respectable position. Many people look up to you for knowledge, morals and a lot of support. You have to be very good at self management. Teachers are supposedly to be flawless. But as humans, no one is perfect. Therefore, teachers should also practice self management.

• Time management: you have to do everything within a specified time. Tending to your personal needs also must be accompanied within a particular time. You must complete the syllabus within a specified time.

• Interaction with students: as a teacher you must be able to interact with the students well. You have to inspire them. You may need to interact with them outside class in case they want to share some of their problems with you.

• Strictness: you have to be strict with the students in order to make them listen to you.

• Build up a strong personality: people will look up to someone with a strong personality, not someone with a weak or a feeble personality.

• Try to be popular with the students: help them out with everything you can. This will make you popular among the students.

• You must be competitive: you must be competitive and have a healthy competition with the other teachers around.

A school career or an elementary education career is not difficult to pursue. But you must plan for your education career right from the beginning. These days, it is possible to have …

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Top Psychology Graduate Schools – University of California, Los Angeles

If you have ever been married to one day get into grad school (or more specifically, gain admission to the doctoral program in psychology) at UCLA in Los Angeles, California, then you've come to the right place! Currently ranked at number 3 by US News and World Reports for best overall graduate program in psychology, University of California at Los Angeles has applications pouring in from students all over the country. These students represent the academic elite, contending for a spot on the next class of graduate students in their particular area of ​​interest in psychology. Ph.D. programs are offered at UCLA in the following areas:

* Behavioral Neuroscience
* Clinical Psychology
* Cognitive Psychology
* Developmental Psychology
* Health Psychology
* Learning & Behavior
* Quantitative
* Social Psychology

Lastly for those interested in studying Education and Psychology, there is a related program for Psychological Studies in Education.

As is the case for all Ph.D. programs (and certainly for prestigious Research One Institutions of Higher Learning), UCLA boasts its reputation for preparing psychologists to work as researchers, college and university instructors, and professional research psychologists. After graduation, typical care around found in both academic and applied settings, research and government agencies, business and industry, and clinics and hospitals.

At UCLA you will also find several research institutes on campus. Graduate students are especially encouraged to get involved in research projects at the Brain Research Institute, the interdisciplinary Neuroscience and Cognitive programs, the Institute for Social Science Research, the Neuropsychiatric Institute, and the Fernald Child Study Center. For clinical psychology students, there is a Psychology Clinic on campus where you will spend hours in practicums learning how to treat patients under supervision.

How competitive is it to get into Ph.D. program in psychology at UCLA?
The UCLA Psychology Department website states that for the Fall admissions cycle of 2009, approximately 690 applications were received. Although exact numbers vary each year, only 30 students were admitted into the Ph.D. program. A quick look at the numbers might suggest that it is extremely difficult to get into UCLA. The matter of fact is that lots of applicants likely failed to do their research before applying. There are several keys to submissions to Ph.D. programs – and the first rule of thumb is to apply to programs with good faculty-student fit. This means that if you are only interested in becoming a psychotherapist, the research-oriented nature of the program is not a good fit. Secondly, if you're interested in studying the development of autism, but there is no faculty member who research interests mirror yours, you are better saving your application fee to apply to another university where you can find appropriate mentorship.

Do I have to take the GRE to get into UCLA?
The short answer is yes. GRE General Exam scores are a requirement for admission. You're in good luck though that there are no minimum GRE cutoff scores to be considered for admission. If you still feel like your GRE …

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Become the Stud That Attracts Girls Like Crazy

Most guys don’t get the fact that attracting girls isn’t about what you say or how you look. It has more to do about the way you are, and the way you behave as a man. But don’t worry everyone starts at some point, and no one is born a stud.

The truth is everybody learns how to become more attractive to women, whether they know it or not. Some men starts when they’re young, while other learn it at a much older age. Personally I didn’t get the this area of my life handle until the second of my college. So I know how you feel…

The point is that it’s not too late to learn to become that stud that is surrounded by beautiful girls, or even just to attract the girl of your dream. And believe me you when I say you can do it! Because I did it. Anyway girls are attracted to men who are strong, and confident. They don’t want a weak men, and they don’t want a nice guy. And by a nice guy I mean what most men do when they are trying to get a girl to like them, they act nice and buy her flowers and do anything she ask him to do…

If that sounds like you than STOP what you’re doing, cause that’s not what girls are attracted to. But on the other hand a lot of guys turns in to a bad boy when they realize being nice don’t work, that doesn’t’ work either SO don’t be a jerk.

What you want is to be yourself, and be the best of yourself. So take some time and find out about yourself, and what you believe in. Once you can just be 100% yourself in every way, then you’ll have girls come in to your life from every angle possible!…

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Taking Charge of Your Career – Small Changes Reap Great Rewards

Taking charge of your career has never been more vital than it is now. In the past, employers used to reward employees who had worked with them for a while. People were promoted based on job experience and company loyalty, but not anymore. If you want a promotion, you have to work for it. You are the one who has to take charge if you want to move up the corporate ladder.

Create a Smart Strategy

Hard work is important, but hard work alone will not get you anywhere. You need to be creative. Employers want skilled employees, so you need to enhance and add to your skill base regularly.

Before you choose a career, make sure that employment opportunities are expanding for that particular field. Choose a position that lets you use your talents and offers plenty of opportunity to add to those talents. Confirm that there will be opportunity for advancement before you accept any position.

Be Open to Change

If you're stale, your career will become stale. Taking charge of your career means that you need to be willing and ready to learn new skills. Be the first on your team to welcome new policies. This will prove to your company that you are willing and able to be flexible in your work habits. Let's face it; technology changes minute by minute. If you're not willing to change along with it, you could become obsolese.

Strive to be a leader. Companies progress because they employ individuals who are not afraid to take the initiative and develop innovative solutions. Be that employee.

Do not back down from challenges. Challenges are obstacles that are meant to be surmounted, but you have to claim. Nobody said success was easy; you have to be willing to work for it.

Become a Self Promoter

Companies reward those that stand out from the rest and those who are not afraid to put themselves in the lead. Avoid looking to others for help. Sometimes, it is more beneficial to make a mistake and learn from it than it is to always lean upon others. Dependency will only hinder your success. You have to create your own opportunities.

Work Well With Others

Taking charge of your career also understands being a team player. Participate in meetings and do not be afraid to offer advice. Hone your leadership skills and help out others whenever you can.

If you want to succeed, you have to take charge of your career today. Nobody is going to hand you a promotion on a silver platter. If you follow the advice contained in this article, you will reap great rewards. …

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Anna University History and Results

Anna University is one of the top most universities in India. It was established in the year 1978 in the city of Chennai, formerly known as Madras. The warm and humid climate of Chennai along with the hospitable people of the city led to the establishment of the first university in India to issue Engineering Degrees known as Madras Institute of technology in the year 1949. Madras has been a city of intelligent and hardworking people . During the British rule, it was an important center of trade and communication with a strong naval base. Several intellectuals migrated to this city at that time. With the formation of the state of tamil nadu, and with importance given to education after independence of India, the need to form a university was felt. At this time, four top colleges of the state were brought together and Anna University was established.

Anna University was originally named as "Perarignar Anna University of Technology" till the year 1982. Its main campus is located in southern Chennai with 100 acres of land nearby Adyar River and Raj Bhavan. The four colleges which were merged to form Anna University are:

1. College of Engineering, Guindy

2. Alagappa College of technology

3. Madras Institute of College

4. School of Architecture and Planning

In the year 2001, it was formed into an associating university. Since then 250 Engineering colleges in tamil nadu have been brought under it. Today it boasts of a wi-fi enabled campus and some modern research centers. It has started various special courses like courses in nano sciences and medical physics. Recently it was given a 70,000 USD grant by HP. In the year 2007, it opened up its branches in Coimbatore, Trichy and Tirunelveli.

Additional resources of Anna University and Anna University results are available on its website. …

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Online College Degrees Are Becoming More Prevalent

There are more and more online college degrees that are out there for people to get and use than there ever were before. This is because there is not only a growing demand for them by the public, but a huge growth in online colleges. Anymore, peoep3l are trying to get more education in an effort to stay ahead of the game and to know what it is that they will be getting and how it is that they will be getting it.

Online college degrees are no easier to get than a regular college degree are. This is of course as long as you are attending an accredited institution. The reason that the school will need to be accredited is that they are held to a strict set of standards in regards to education. If you attend a school that is not accredited, you will not receive the same level of education and you will also not be able to use your degree for very much. This is because online college degrees carry the same weight as any other degree. However, it will only have meaning if it is from an accredited institution. This is true no matter where you get your education.

Since more people are trying to get degrees in any way possible, online college degrees are becoming more useful and important, in that they will allow for people to recognize and see that they are getting someone who is educated and put in the time and work to get the degree. Many times the fact that someone went for a degree, even online college degrees will say something to an employee and will automatically qualify you for something better in the company based solely on the work you were willing to do. …

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Career Management – How to Deal With Failure-The Need to be Resilient

Being topical this time, the England football team has come to terms with failure, and all those pictures of footballers and fans in tears is a powerful picture of how we can get hurt and disappointed. It would be rare for anyone not to feel similar, but what we need to do is to think about how we will react.

There are many ways to deal with disappointment and many times I have spoken with people who did not get a promotion and their way of dealing with it was to disengage from the company, to moan and do the minimum. Sometimes this would coincide with a new boss taking over their team, into the job they had hoped to get. What sort of impression does this give to their boss – someone who is not interested and helpful in the job and who makes negative remarks? Their chance of another promotion reduces the longer they maintain this approach.

I appreciate it is hard but they need to turn the situation around. Companies will sometimes ask me to work with someone who is not being effective at work, but the company wants to help them return to how they used to be. With listening and understanding most of the people I have worked with have been able to turn the situation around, and in large companies this can be through a sideways move for a new challenge. However one or two let their feelings fester and they can find that they lose their job, not usually a good position to be in. When I worked with Martin it was a wake up call and we were careful to plan his strategy for the next organization he was to join.

I personally remember years ago that a boss did not give me a bonus. I was so disappointed; I always had one and it was usually enough to pay for the family holiday. I spoke to my boss, found out the reasons, and it was hard not to be defensive when I found them unfair. I learned that I could not expect my boss to have my best interests to heart and made sure I had regular update meetings with her seeking feedback on how she thought I was doing so I could address things straight away. I also got myself a transfer and like a fairy tale was promoted within a year. …

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