International Student Medical Insurance

Students are very mobile these days. There are so many specialized subjects, and expensive facilities needed to share them, that studying abroad is very common. The universities encourage this migration of students by many attractive schemes to enrich academic diversity.

Most foreign students study in America on a shoestring budget or with a scholarship. With the escalating cost of medical care, student insurance becomes quite imperative. Very few will be able to afford the unexpected expenses if they are not supported by adequate medical coverage. Many states require by law that foreign students be covered under medical insurance. Some states set even the minimum amount that should be available to the student for medical treatment, emergency evacuation and repatriation of remains. For example, in California the values ​​are $ 50,000 for illness and $ 7,500 for repatriation. Waivers are allowed only when the US Government or other foreign government sponsors students who health insurance exemptions that of the University's standard.

The cost of international student medical insurance is in the range of $ 600 -700 per annual. Most of the universities sponsoring students subsidize the cost of insurance coverage to the students with cheap medical care through Gannett. Universities fund Gannett up to 60% of the costs. Only 40% is charged to the insurance companies. Students who are also teaching and doing research work are assisted by the University in meeting their insurance costs.

Besides the regular students, visiting schools are also required by visa requirements to have themselves covered by appropriate medical insurance plans. A short-term cost is in the range of 100-200 dollars. By US visa requirements, any dependents accompanying the students also need to be insured towards medical costs. …

Are Universities Looking for You?

Perhaps, choosing the right university is one of the most (if not, the most) sophisticated decision that someone has to make in his entire life span. Argumentatively or not, finding the right university is more important to a person than finding the right job. (In fact, I think so). As a matter of the fact, selecting the right university can be efficacious if someone can plant some parameters in his mind. Indubitably, this comprehensive selecting process varies from person to person depending on the candidates previous background, his favorite area of specialization, reputation of the university,duration of his desired course,expenditure,the location of the university and so on. Irrespective of those individual parameters, today I would like to talk about the best universities from USA for the future business leaders. So, here it is.

Darden School of Business, University of Virginia

If someone has decided to have an MBA degree sitting with the new entrepreneurs or with the young adults, then this Darden School of Business can be his first option. In this institute, the average age of an MBA student is above thirty. The Darden School of Business is located on the North Grounds, about one and half kilometers from the central University Grounds, as part of a graduate-professional complex that also includes the Law School and the Judge Advocate General’s School. Founded back in 1955, the school has developed in size, in the scope of its set of courses, and in the geographical diversity of its impact over the past six decades. As the reputation of the school continues to widen, the Darden School of Business offers MBA, Ph.D. and Executive Education programs.

Columbia Business School

If you are looking for having an MBA degree but unfortunately missed the previous intake and now have started thinking about waiting for the next one year, then the name of Columbia Business School may give you a sigh of relief. It is the only full-time day MBA program in USA that offers two intakes. Besides, it can be the destination for all young entrepreneurs who consider Warren Buffett, the CEO & chairman of Berkshire Hathaway, as their model. This legendary business magnate graduated from here and many people want to follow his footprints. Columbia Business School is the business School of Columbia University in Manhattan, New York City.

Dartmouth College Tuck School of Business

Probably, Dartmouth College Tuck School of Business is going to be the next big producer of female entrepreneurs as more than 40 percent of its MBA students are women. It is the graduate business school of Dartmouth College, an Ivy League research university situated at Hanover in New Hampshire of United States. The Tuck MBA features a scrupulous general management curriculum with a comprehensive residential community, and a faculty committed to unravel new knowledge and share it with students.

University of California at Berkeley’s Haas School of Business

If there is any future business graduate who loves learning in a beautiful campus, then this Berkeley’s Haas School of …

College Loan Consolidation – What You Need To Know

The rise in demand for college loan consolidation services is directly related to the costs involved with obtaining a college or university degree. Fueling the demand is the increasing cost of private enterprises in the United States. Whether it's for graduate school or to study abroad, students are mounting massive debts beyond what was reasonable years ago. The gap is widening between the cost of obtaining a degree and the financial aid given to assist those in need of funds. Today's graduating students are faced with a vicious cycle of borrowing more in order to pay college tuition. College loan consolidation can ease the burden after graduation by setting up a program to help manage your college debt.

College loan consolidation is a service that allows students to reduce the amount of their monthly installments in order to repay their student loans. This is done through one combined loan with an extended payment schedule which results in a lesser monthly payment. There are other benefits as well. Did you know that you could potentially save thousands of dollars in student loan interest fees over the life of your loan? By locking in fixed interest rates you can help avoid fluctuating interest fees. The savings on fees and lower monthly payments gives you more flexibility with your money. You could either save the money, invest it, or take a well deserved vacation.

Keep in mind that if you are thinking of college loan consolidation, that it is a good idea to separate the consolidation of your private student loans and your federal student loans. A potential downside to combining both is that you could lose the interest tax deduction benefit on your federal student loans.

On a final note, the lender you choose plays an important part in the college loan consolidation process so it is important to find a reputable company which has evidence of its credibility. Interestingly, some lenders may offer incentives via interest rate reduction if past student loan payments were made consecutively on time. It is just a matter of taking the time to compare different incentives between lending companies. Loan counselors should be able to assist you on the site of your choice to help you decide if what they are offering is what's best for you.

Image loan consolidation is a worthy option and can help to put more cash in your pocket. Currently, interest rates are quite low so now is a good time to research lenders and take advantage of the benefits. …

Gender Differences In Learning Style Specific To Science, Technology, Engineering And Math – Stem

There are gender differences in learning styles specific to science, math, engineering and technology (STEM) that teachers of these subjects should keep in mind when developing lesson plans and teaching in the classroom. First, overall, girls have much less experience in the hands-on application of learning principles in lab settings than boys. This could occur in the computer lab, the science lab, or the auto lab – the principle is the same for all of these settings – it requires an overall technology problem-solving schema, accompanied by use and manipulation of tools, and spatial relation skills that very few girls bring with them to the classroom on day one in comparison to boys.

Let’s look at some of the reasons why girls come to the STEM classroom with less of the core skills needed for success in this subject area. Overall, girls and boys play with different kinds of games in early childhood that provide different types of learning experiences. Most girls play games that emphasize relationships (i.e., playing house, playing with dolls) or creativity (i.e., drawing, painting). In contrast, boys play computer and video games or games that emphasize building (i.e., LEGO®), both of which develop problem-solving, spatial-relationship and hands-on skills.

A study of gender differences in spatial relations skills of engineering students in the U.S. and Brazil found that there was a large disparity between the skills of female and male students. These studies attributed female student’s lesser skills set to two statistically significant factors: 1) less experience playing with building toys and 2) having taken less drafting courses prior to the engineering program. Spatial relations skills are critical to engineering. A gender study of computer science majors at Carnegie-Mellon University (one of the preeminent computer science programs in the country) found that, overall, male students come equipped with much better computer skills than female students. This equips male students with a considerable advantage in the classroom and could impact the confidence of female students.

Are these gender differences nature or nurture? There is considerable evidence that they are nurture. Studies show that most leading computer and video games appeal to male interests and have predominantly male characters and themes, thus it is not surprising that girls are much less interested in playing them. A study of computer games by Children Now found that 17% of the games have female characters and of these, 50% are either props, they tend to faint, have high-pitched voices, and are highly sexualized.

There are a number of studies that suggest that when girls and women are provided with the building blocks they need to succeed in STEM they will do as well if not better than their male counterparts. An Introductory Engineering Robotics class found that while males did somewhat better on the pre-test than females, females did as well as the males on the post-test following the class’s completion.

Another critical area of gender difference that teachers of STEM should keep in mind has less to do with actual skills …

How Stanford University Got It's Name

Stanford University, the private research university located near Palo Alto, California, is known around the world for the first class education it provides to roughly 6,800 undergraduate students and about 8,300 graduate students every semester. Interestingly, while the institution of higher learning is a place that literally hundreds of thousands of students dream of one day attending few know the back story that explains how the Northern California school came to be known as Stanford University.

The university, founded in 1891, shares its name with former California governor Leland Stanford, but the story does not end there. The school that now sits in Stanford, California (population approximately 13,000) was founded by Leland Stanford and his wife Jane Stanford in the late ninetieth century as a memorial to honor the untimely death of their son Leland Stanford Junior who died at the age of fifteen .

While traveling with his parents in Italy Leland Jr. was stricken with typhoid (today commonly referred to as Salmonella) which is a form of food poising in which ingested bacteria makes its way through the intestinal wall and into an area of ​​the body where it can cause sever damage to multiple organs. While trouble with Salmonella or typhoid is still prevalent in much of the developing world at fairly endemic rates (death rates are about 10% to 30% in untreated instances) for the illness to cause death in the developed world in the twenty first century is extremely uncommon. Unfortunately for young Leland Stanford Junior the circumstances surrounding his infection did not include the ready access to life saving antibiotics that are common today. The end result was the death of Leland Junior about two months shy of his sixteenth birthday. Today Leland Jr. rests in peace on the Stanford University campus alongside both his mother and father who were historically put to rest at the Stanford family mausoleum as well.

In addition to serving as a predecessor to contemporary famed California governors Ronald Regan and Arnold Schwarzenegger Leland Stanford Senior sat as a United States senator from 1885 until his death at the age of 69 in 1893. that was basically founded Leland Stanford Junior University while serving as a US senator from California, an event that took place seven years after the death of his young son. The first student that was admitted to Stanford University in 1891 happened to be Herbert Hoover who would eventually become the thirty-first President of the United States in 1929.

Although nearly everyone reiterates to Stanford University by the short title that simply includes the two previously mentioned words the official full name of the school is Leland Stanford Junior University. In a somewhat clever, albeit insensitive manner, rival schools have been known to jokingly refer to Stanford University as a junior college as a play on the full title and the United States junior college system that prepares students for four year universities. …

Core Subjects: English, Maths and Science – Computing?

Nobody can argue against the importance of learning the intricacies of the English language. It teaches us to effectively articulate our ideas, opinions, needs and wants. Mathematics is equally crucial, without addition and subtraction everyday mundane tasks like managing a weekly budget and the hours you have left at work become impossible challenges. And Science, as a study of the structure and behaviour of the physical and natural world is an agglomeration of both. So where does the argument for teaching computing as a core subject stand?

With the dawn of the digital age it quickly became clear that commonplace software and technologies like MS Office, the internet and GUIs were here to stay, and that we had better start education our younger generation so as not to be left behind in the global race for IT education. ICT courses are now ubiquitous throughout UK’s secondary education and Europe’s equivalent institutions.

Today silicon is as popular as ever and careers in programming have one of the highest growth and salary rates in the world. Financial Analyst, Business Analyst, Investor, Network Engineer and Systems Administrator are all examples of jobs that require an employee to work closely with complex software applications.

But there are many counterarguments to this, one being that much of computing science is too difficult to teach. And, then again, if a child is capable of grasping algebra, then they’re only a virtual hop, skip and jump away from programming. Programming is an aspect of computing that cannot be spoon-fed, it forces engagement from teacher and student alike and imparts larger, highly transferrable, about life. Writing a program is the closest a child can come to thinking about thinking.

Population over-qualification is another unfounded concern as job markets throughout Europe are forcing university graduates to take on entry-level retail, administration and services positions. The computing industry by comparison is a veritable goldmine with 1.4 million computer intense positions expected by 2020 in the US alone (1). As reported by Forbes, some European countries like Romania are already adopting solutions for the IT expert scarcity.

Another problem is the lack of creativity when integrating technology with other subjects and this is largely down to insufficient teacher training and inadequate equipment. Governments need to recognise that raising an army of expert programmers is an economic investment, not an economic hit. Until then we can only dream of a world where art teachers show students how to manipulate photo editing software and Math teachers demonstrate mathematical concepts while teaching how to program calculator functions. Those institutions that do make an effort to introduce IT curriculums tend to focus on teaching how to use software with little to no insight into how that software functions under the bonnet. Eric Schmidt, Chairman Google and British Prime Minister David Cameron are just two advocates behind the scheme to teach children more on this subject.(2)

And finally, beyond the economic feasibility of teaching computer science lies a moral dilemma. English, Maths and Science are …

Study in Singapore for a Fast-Growing Career

Singapore is a desirable study destination for students, allowing them to get the best of education for their future career prospects. Singapore has educational institutions of 3 categories operating here:

  • Statutory boards of the Singapore government: These institutions operate by the laws which have been set by the country’s government.
  • Autonomous institutions: They are controlled by the Companies Act.
  • Private education institutions: They are also controlled by the Companies Act but have registration with the Council for Private education.

This country has two of the best universities in the world which are Nanyang Technological University and National University of Singapore. These universities have high rankings in the QS world university rankings for the year 2016-2017, 13 and 12 respectively. As far as the QS university rankings 2016-2017 for Asia are concerned, these universities also have high rankings of 3rd and 1st respectively.

The desirable place to study IT in Singapore is Nanyang Technological University which has received a good ranking in the top 10 for subjects like engineering and technology thanks to its faculty. It also has good rankings for the domain of civil engineering.

The National University of Singapore is also a coveted place to study IT in Singapore. It has obtained the 3rd rank across the globe for the subjects of structural and civil engineering. It has also received the rank of 4th worldwide for the subjects of engineering and technology due to its excellent faculty for the same.

The country also has a highly sophisticated living ambiance with minimal crimes. So, it provides a peaceful environment for students to continue with their studies.

Apart from engineering, the Nanyang Technological University provides undergraduate courses in different subjects like accountancy and business, communication studies, humanities, medicine, science, education, and sports science etc. The university also offers post graduation studies in different subjects like chemical engineering, biomedical engineering, electronic engineering, mathematical sciences, physical sciences, civil engineering etc. This university has received a score of 5 for different criteria such as research, teaching, specialist criteria, internationalization, employability, facilities, innovation and inclusiveness. The university has the ranking among top 50 for those universities which has been established for a duration of lower than 50 years.

The number of international students enrolled in this university is very high. Currently, there are 32,705 local students enrolled here. Of the number of such students who are a part of this university, 47% are enrolled in postgraduate courses and the rest in undergraduate courses. The university has a score of 100 in the QS World University Rankings as far as factors of the number of hiring employers coming here and its academic reputation are concerned.…

Subliminal Messaging According to Science – The Scientists Speak Up!

People have different beliefs about subliminal messages. Some believe them, and some do not. But why do not we ask the experts about what they think. Here we will explore what science has to say about this fast-rising personal development and goal achievement phenomenon.

The Subject. The subject of subliminal influence has been studied, picked on, taken apart, and put back together for decades now. First, thanks to James Vicary and his popular popcorn and soda experiment, subliminal suggestions became all the rage. Soon came his admission that his experiment was stagnated, and again people were walked. Despite the whole pendulum swing, what is the truth behind subliminal messaging?

The Study. A more recent study conducted in a laboratory has revealed surprising evidence that subliminal video messages are indeed absorbed by the brain at a very hungry rate. The study was conducted by sources far more credible than James Vicary. This time, it's the Institute of Cognitive Neuroscience University in London, through neuroscientist Bahador Bahrami, that's responsible for this new proof that subliminal programming indeed works.

The study was conducted with the participation of a group of volunteers who were asked to view images while wearing a special type of 3D glasses. The glasses had one red lens and one blue lens each. The images flashed to one eye were colorful and strong, while those flashed to the other eye were very faint. The results showed that the participants only notice the strong images, but an MRI scan being connected at the same time showed that their brains absorbed the false images suddenless, without the volunteers knowing it.

After the first part of the study, the participants were asked to perform routine tasks. In the process, the scientists noticed that the subliminal messages absorbed by their subconscious minds had a stronger impact on their actions and performance. They also noticed that when the tasks require more concentration, the subliminal messages are not as strong.

The Discovery. The laboratory experiment conduced showed that subliminal messages, however fault, leave a strong impression on the brain, and that these messages indeed get recorded without our conscious awareness. The study also showed that these subliminal messages have the strongest effect when the brain has attention to spare. So when the task is easy, they come out more strongly. But the more a person concentrates using the conscious mind, the subliminal messages tend to take the backseat.

The Application. This study shows us just how the conscious and the subconscious work together inside our brains. The conscious mind is in charge of all brain processes that we are aware of, and since it is busy absorbing strong and blatant information delivered to us, it does not absorb fault messages. This is why we get so easily distracted by loud noises, attractive images, and so on. While all this conscious absorption is happening, the subconscious mind is also actively absorbing the fainter messages in our environment.

The second phase of the experiment gives us an insight …

Common Mistakes and Pitfalls Made By Students In Academics

One of the important aspects which can give your academic performance a huge setback and tough fight is the study habits employed by you. So, whether you are a college student, high school or doctoral candidate; seminars and lectures would not be fruitful if you stick and follow the useless self-study procedures and research.

However, majority of the students in the US make a huge mistake in this scenario. The high-profile researchers from the Kent State University have evaluated the study pattern of most students and published their results in their medical journal. As per the results only few students live up to their reputations. They often employ practices like highlighting, re-reading, summarizing, etc. which are just low utility habits and they would actually affect the performance.

Reading Two Times Will Help in Understanding

The question is does it really work. Somewhat! Various studies have shown that re-reading helps in memorizing data and is beneficial for students who have to work with two dimensional data like grammatical rules, terminology, structural details, formulas, etc. With regard to comprehension, it is different.

When it is about the criterion task, then you can say that the effect of the rereading will be durable. But researchers feel that most of the effects are related to recall based memory steps while the benefits it has on comprehension is still vague. That is why there is a great need to distinguish between your analytical and mnemonic capacity. Here you need to think whether a lot of regurgitate of the material has to be done or not. Sometimes you may get a positive answer, but if it is not. Thereby it means that you are just wasting your time.

Highlighting the Content Will Help in Understanding

Now with regard to underlining and highlighting, you have to really understand the concept. Without, the properly mapping of the argument is done in the passage, you are just distorting it. This is the reason why highlighting can not only be a waste of your time, but would pull down your performance.

Researchers have come to the conclusion that in most of the situations, it has been found out that highlighting does very little in boosting the performance of the student. It may be beneficial for students who have knowledge required to highlight contents more effectively or when the given text is difficult. However, on higher level tasks, it will hardly hurt the performance and will need inference making.

While reading in sequence, it is important that your highlights are not or should not form disjointed in-dept details and should provide a bullet point summary of the passage. Else, you brain will be following two different versions of a given text. Together with the given commentary and annotation, proper highlighting shows a significant aspect of the transition from a high school academics to the next level called as higher education. So, if you have not reached the first year college writing, then it is better to ask your adviser or faculty. …

Latest Developments In Science And Technology

Researchers Carry Out Largest Gene Sequencing Of Human Diseases To Date

According to reports released on May 23, 2013, researchers at the University of London, England, have carried out the largest sequencing study of human diseases to date. In their study, the scientists investigated the genetic basis of six autoimmune diseases. The exact cause of these diseases-autoimmune thyroid diseases, Celia disease, Cohn's disease, psoriasis, multiple sclerosis and type 1 diabetes is unknown, but is believed to be a complex combination of genetic and environmental factors.

The scientists, who published their findings in the journal Nature, estimate that the rare variants of risk genes account for only around 3 percent of the heritability of these conditions that can be explained by common variants. They say that the genetic risk of these diseases more likely involves a complex combination of hundreds of weak-effect variants each of which is common in people.

Bio engineers Create Sweat-proof Fabric

Bio engineers at the University of California, USA, said on May 21, 2013 that they had invented a waterproof fabric which can whisk away sweat using micro fluid technology. The new fabric works like the human skin. It turns excess sweat into droplets that drain away by themselves. In their research, they developed a new micro fluid platform using water-attracting (hydrophilic) threads that were stitched into a highly water-repellent fabric. They were able to create patterns of threads that suck droplets of water from one side of the fabric, propel them along the threads and eventually expel them from the other side.

It is not just that the threads conduct water through capillary action. The water-repellent properties of the surrounding fabric also help drive water down the channels. Unlike conventional fabrics, the water-pumping effect lasts working even when the water-conducting fibers are completely arranged, due to the pressure generated by the surface tension of droplets. The rest of the fabric stalls completely dry. By adjusting the pattern of water-conducting fibers and how they are stitched on each side of the fabric, the researchers can control where the sweat is collected and where it drains away on the outside.

Human Skin Cells Converted Into Embryonic Stem Cells

According to a report released on May 16, 2013, in a major medical breakthrough, scientists have for the first time converted human skin cells into embryonic stem cells. These newly made stem cells are capable of transforming into any other cell type in the human body. The cloned embryos, created by scientists at the Oregon National Primate Health Center, USA, can make new heart muscles and new bones attached brain tissue or any other type of cell in the body. The scientists used the same cloning technique that had created Dolly the sheep (the first cloned mammal) in 1996, overcoming technical problems that had frustrated them for more than a decade on how to create batches of the body's super cells from donated skin.

The new technique devised by the scientists is a variation of a commonly used method called …