Panchgani Schools The Face Of Indias Boarding School Education

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For a long time now, Panchgani has ranked at the top when it comes to listing the places that have the best boarding schools in India. When it comes to the list of top residential schools in India, Panchgani has not one or two but several names that make it in. Panchgani schools are famous for the open, relaxing and disciplined learning facilities that they provide to their students. Most students here prosper under the disciplined and structured schooling provided here and studies have shown it to have a positive effect on their learning abilities.
Here is a list of some of the premiere Panchgani boarding schools:
1-ANJUMAN-E-ISLAM- Panchgani Dist Satara, India
Tel No :40315
2-ANJUMAN-E-ISLAM (S. S. C)- Panchgani Dist Satara, India
Tel No :40249
3- ARAM VIDYALAYA- Panchgani Dist Satara, India
Tel No :40492
4- BATHE S M- Panchgani Dist Satara, India
Tel No :40205
5- BILLIMORIA HIGH SCHOOL- Panchgani Dist Satara, India.
Tel No :40314 / 40910
6- BHARATI VIDYAPEETH ACADEMY- Panchgani Dist Satara, India
Tel No :40582-40583
7- CAMBRIDGE HIGH SCHOOL- Panchgani Dist Satara, India
Tel No :40519
8- CODESH- Panchgani Dist Satara, India, Tel No :40668
9- DAWN ACADEMY- Panchgani Dist Satara, India
Tel No :40390-40412 .
10-MARATHAVADA GURUKUL HOSTEL- Panchgani Dist Satara, India
Tel No :40010
11-GODEVLI EDUCATION SOCIETY- Panchgani Dist Satara, India
Tel No :40224
12-HAPPY HOURS- Panchgani Dist Satara, India
Tel No :40386/40086
13-HILL RANGE- Panchgani Dist Satara, India 40302-Tel No :40332
14-KIMMINS HIGH SCHOOL- Dist Satara Panchgani, India.
Tel No :40324
15-MAHATMA LAXMANDAS- Panchgani Dist Satara, India
Tel No :40591
16-MAHATMA PHULE VIDYAMANDIR- Panchgani Dist Satara, India
Tel No :40377
17-MAHATMA PHULE VIDYA JR. COLLEGE- Panchgani Dist Satara, India
Tel No :40677
18-NEW ERA HIGH SCHOOL- Dist Satara, India.
Tel No :40246
19-OAKS HIGH SCHOOL- Panchgani Dist Satara, India.
Tel No : 40395
20-PINEWOODS HIGH SCHOOL-Panchgani Dist Satara, India.
Tel No : 40900-40901-40902-40290- 40570-40590-40903-40904-40905
21-SANJEEVAN VIDYALAYA- Panchgani Dist Satara, India
Tel No :40307-40308

22-SCHOLERS FOUNDATION- Panchgani Dist Satara, India
Tel No :40399
23-SHALOM INTERNATIONAL-
Panchgani Dist Satara India.
Tel No :40201
24-SILVER DALE HIGH SCHOOL- Dist-Satara Panchgani, India.
Tel No :40638

There are constant comings and goings of visitors here, either to inquire about the schools here, or to visit already enrolled children. The Ravine Hotel in Panchgani recognizes this as a splendid opportunity to serve such visiting parents. The Ravine Hotel provides several booking concessions and discounts to parents that come here to visit their children. These deals are even available for parents that have come to check out the schools are parents that wish to enjoy some quality time with their wards studying here.

School Fundraising Ideas To Reach Your Goal

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Coming up with the perfect school fundraiser can seem like a headache but there are plenty of ideas around that, if you run throughout the year, can raise thousands of dollars for your school.

You may want to stage something that hasn’t been done before, but the tried and tested ways of raising funds are often the best. Whether it’s a raffle, casual day or pie drive, rest assured parents won’t have a problem with putting their hand in their pockets and donating some of their hard-earned.

Listed below are just a few ways that will help you raise funds. Bear in mind that there a whole host of other fundraisers out there you really are only limited by your imagination!

Basket Raffle

Buy a basket for each class in the school and choose a theme such as sport, chocolate or something seasonal like summer or winter items. Contact local businesses to see if they can donate items relating to the theme, and sell raffle tickets for each basket. If every class takes part, you school will be able to make quite a profit especially if you do more than one a year.

Garage Sale

If, like everyone else out there, you need to do a thorough clean out of your house, why not pool everything you’d like to discard and have a garage sale? In this case, one person’s junk can definitely become your school’s treasure. The school will get 100 percent of the profit, and you get a cleaner house! Organise the garage sale for a weekend, where you can also combine it with another fundraising element such as a cake sale.

Chocolate Sale

There are quite a few companies such as Cadbury and Mars that will sell organisations cheap chocolate that you can on-sell to raise money. Although it’s not the healthiest option, the popularity of the sweet tooth will help you raise money quickly and easily.

Entertainment Books

Ever popular, Entertainment Books are a fantastic way to raise funds. They provide a whole host of coupons and discounts (usually between 25-50%) on local restaurants, stores, and entertainment, and represent excellent value that can be taken advantage of throughout the year. You can expect to raise about $16 from each book sold.

Trivia night

Ask a local restaurant, hall or bar to donate a room and hold a trivia night. Youll need to develop a list of questions (or buy them from the internet) and incorporate another fundraising element, like having a raffle or a jelly bean guessing competition. You can charge entry into the evening and add a theme to make it more fun.

Casual day

Students love going to school and not wearing a uniform, so why not turn this day into an important one on your fundraising calendar? Charge each student $2 for the privilege of not wearing a uniform once a term.

A Breakdown Of Scholarships For Single Mothers

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Many single mothers are thinking about pursuing a greater education basically because they couldn’t obtain job. Most companies require interviewers to get yourself a certification. Receiving a certification can also increase your salary. Many Mothers face financial hardships mainly because the other spouse, who may be the only breadwinner, is no longer available. Besides needing to secure the children financially, the mothers must provide emotional support as well. Because SM ought to maintain kids, they have short time for work. Due to this fact, the tuition is often a huge expense for single mother.

Scholarships for mothers are found from federal, state and private organizations. The scholarships in many cases are made available to the needy people using the merits they achieve. You ought to pass your exam with above average give you order to be considered for those scholarship. The GPA range for single mother scholarship is between 2.5 – 3.5 GPA. Some scholarships will need enroll in a contest. For anyone who is proclaimed the winner, you can be graced with the scholarship. To illustrate, the 10 K scholarship for mother offers $10,000 scholarship award for just a Mother each. There are numerous scholarship search portals offer scholarships for single mothers. Not all the programs which have been listed from the scholarship search portal are legitimate. If you’re looking for legitimate scholarship grant programs, our recommendation is that you may well ask the financial aid department within your group college. You can also get suggestions at a friend.

Besides, you could apply the federal student aid. To take benefit of the government student aid, you ought to send in the FAFSA form. The FAFSA form should be sent the designated address. Should you be allowed the FAFSA scholarship, you are able to own access to the FAFSA program.

The Jeanette Rankin foundation is a second place to select from SM scholarships. Should you wish to sign up for the Jeanne Rankin scholarship, cautious at a minimum 35 years old and older. One should prefer to join a licensed program. Although it will not present a large funding amount, it’s possible to select one that may pay a significant portion of the higher education cost.

Single Mothers can put on for scholarship with the assistance league. The services league comes with a report on programs not wearing running shoes offers scholarships. You can visit the site on the assistance league to read the programs that hot weather supports.

President Barack Obama can give a scholarship program that grants $10,000 for single mothers trying to pursue higher educations. The computer program was provided to increase the employment rate within the workers. For everybody who is earning a reduced income, could very well be allowed the scholarship program.

UK Student Visa Applicants Facing Harder Rules

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Foreign nationals applying for a UK student visa will have to face stricter entry criteria starting February 10. The new rules are set up to limit the ability of foreign students to work in the UK and make it illegal for their dependants to work at all. They will make entry to the UK much harder for foreign nationals who apply for UK student visa only as a means to come to the UK to work illegally.

Before these measures were introduced, it was really easy to apply for a UK student visa. All a UK student visa applicant needed to show was a letter from an approved college or university that he is enrolled in a course of study and a proof of funds in the form of 5000 GPP that has stayed in their bank account for 30 days. The official letter is very easily obtainable as the college officials have no means to check if the person intends to study or not. The 5000 GBP can easily be borrowed and repaid while working illegally in the UK. For these reasons many people have abused the system through the years. Student visa used to be the easiest way to gain entry to the UK.

The new rules will make sure that, first of all, all foreign nationals who want to apply for a UK student visa have a good standard of English. They will also limit the time a student visa holder studying below first degree or a foundation degree course is able to work legally to 10 per week during the term. Also, student visa holders will not be allowed to bring their dependants to the UK if they are studying a course shorter than 6 months. Moreover, dependants of UK student visa holders studying on a lower than undergraduate level are not allowed to work at all.

These measures will allow genuine foreign students to still benefit from the world known for its high quality educational system in the UK and will stop illegal immigrants to enter the country as bogus students. Once a foreign student has completed his course of study and obtained a degree, he can stay in the UK legally by switching visa categories and apply for highly skilled worker visa or skilled worker visa in case they have an employer who wants to sponsor them. If they have found a partner in the UK, they can also apply for a marriage visa, common law marriage visa or same sex partner visa

How Photography Courses Can Help Improve Your Shooting Skills

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Photography courses can be great sources of information for both beginning and professional photographers. New photographers can learn the skill involved with creating artistic photographs even before they own their first cameras. Aside from getting oriented with camera features, photography courses also teach the basics in photography, from framing to composition, to how to take the right photo using manual controls.

Features of Photography Courses
Typical photography courses tend to be composed of indoor theoretical discussions and studio work. In shorter courses, especially those that last for one to three days, half of the day is spent indoors where the participants engage in theoretical discussion with the instruction. The other half of the course is spent outside, where participants work on shoot assignments with or without models. Photography courses typically give out certificates to successful participants at the end of the activity.

Types of Photography Courses
There are various types of photography courses. Some courses are a one to three day affairs, while others are part of a university program and last the duration of a semester or even one whole year. Most short photography courses are offered by expert photographers and cover specific areas of photography. For example, beginner courses cover the basics of camera use and the fundamentals of photography. Other courses may offer lessons on how to use digital imaging software, which photographers can use to post-process their photos.

Some courses may be designed with professional photographers in mind, and may focus on the business side of photography. A camera store may actually offer a diverse field of photography courses to choose from, although the choice depends on the areas that the hobbyist photographer wants to learn. Most people also have the option of taking photography courses as a weekend getaways. Participants enjoy not only the lesson but also for the chance to stay in beautiful locations where the outdoor shoots are breathtaking.

Who Should Take Photography Courses?
Photography courses are open to anyone who wants to learn anything from the basics to the most specific areas of the medium. Even professional photographers can take something away from each class or seminar they attend. For example, there are some courses that focus on how to use sophisticated photo editing software, and some professional photographers may want to take advantage of this in order to improve the images that they take. Professional event or wedding photographers who are just starting out, may want to join a photography course where they are taught how to market their work in order to attract clients, how to create portfolios, and how to set prices for their services. There are even some courses that give advice on what to wear and how to behave during assignments.

Student’s Help With Wacky Scholarships

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Everyone is aware of the soaring education cost. Students always try to get scholarships to pay for their education. When applying for scholarships there is always certain qualifying criterion. But there are many unorthodox ways of getting scholarships inclusive of your interests and your physical features. Sounds weird! That is what strange scholarships are!
Not many students are aware of wacky scholarships. So thousands of $$ are wasted each year in this scholarships simply because no one has applied for it. They are scholarships given to students who have odd or unique personalities or hobbies. They may sound strange to others and hence they are wacky scholarships.
Don’t worry being a left hander is not the only thing which can get you such an curious/wacky scholarships. There are many other strange things which if you do or exhibit will get you a good amount in scholarships. Take a look at some of the common traits found in people which can get them scholarships.
The most common ones are for the tall giants and the shorties. The Tall clubs International awards the scholarship of $1000. You need to be taller than 6’2″ if male and over 5’8″ if female. Then for the shorties the Billy Barty Foundation and The Little People of America offers scholarships to students. IF you are less than 4’10” then you do qualify.
Do people call you Fatty? You surely don’t like being one! Everything is bad about being fat. Not when you are applying for scholarship. The National association to Advance fat Acceptance gives 2 merit based scholarships to NAAF members. Who thought being fat well be helpful? Weird Huh!
If this has boggled your mind, wait till you hear about this one. If you are a diehard star trek fan then you probably have collected the memoirs. All you need to do is just bring that. The Klingon Language institute offers $500 Kor memorial scholarship to one person simply to promote the language. and interestingly enough, prior knowledge of Klingon Language is not even required.
The list of uncommon characteristics is large, so are the number of scholarships awarded on these traits. Unimaginable scholarships pop up every day on websites. Take a look at strange scholarships and decide for yourself. A small effort and consistent follow up can go a long way in earning you your special scholarship. Aggressively pursue these opportunities which so many people ignore or choose to let go just because they are awkward. Who knows you might end up with financing your college education for free.
James Scholaris

Why Students May Choose To Study Abroad

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Choosing to study abroad is a superb choice for both high-school and college students, alike. High-school students, who choose to study abroad, typically enroll in a foreign-exchange student program. While these students study in other countries, they will stay with a family from that country.

Foreign-exchange programs are terrific for high-school students, as they are not yet old enough to live on their own. In many cases, these students build lasting, strong relationships with their adopted families and remain in touch for the rest of their lives. However, choosing to study abroad while in college can be a bit more complicated.

First of all, choosing the proper college is crucial, as it could affect the student’s entire future. However, students should also keep in mind, that there is no such thing as the perfect school. They should strive to find a college abroad that offers courses pertaining to their preferences and will prepare them for the career of their choice.

Most colleges have administrators or international student organizations that will help foreign students in their decisions. Many of these administrators and organizations have studied abroad, as well; and they know what concerns these students may have. They can give the students a vast array of useful tips, as well as, answer any questions that may be troubling them.

Students, who study abroad, will experience the enthralling life and culture of the country they choose to study within. On their down-time, they can explore all that the country has to offer. From sight-seeing to shopping, studying abroad can be a fabulous experience. They have the opportunity of learning all about the people of the country and perfecting their language of the country, as well.

They can delight in the local restaurants, or they may choose to explore the country’s tourist attractions. One of the best benefits of studying abroad is the diverse people that students will meet. They may meet other students from all over the world, and they have the opportunity to build lasting friendships with other students of various cultures.

There are many scholarship programs that will help students study abroad, as well. Therefore, cost should never be a deterrent when students choose to study in other countries. The benefits students will enjoy while they study abroad are fantastic, and students will be sure to make many memories that will last for the rest of their lives.

In conclusion, choosing to study abroad can be a marvellous experience for both high-school and college-bound students. High-school students, while too young to live on their own, can enroll in foreign-exchange programs and stay with local families within the country they study in. College-age students should always consult with the college’s administrators or international student organizations, as to the suitable schools and courses they may want to take when they study abroad.

Why it matters for students to study Cambridge English and take their IELTS Exam

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Why it matters for students to study Cambridge English and take their IELTS Exam

Some students may not realise it, but what they learn in school doesn’t just affect them for the time they are in the classroom. It also allows them to excel in their training for their future careers. It also allows them to better their English, in an attempt to communicate in a tongue that may be foreign to them.

While some may say the International English Language Test has undergone some changes that make it the best test, it still may be hard for students to master reading, understanding and writing an essay in English. However, this is a requirement of the IELTS exam. Unlike many other exams that assign a score, the IELTS exam assigns no score. Students instead receive bars that represent their skill mastery of the language. For many, an International English Language Test is not only about learning skills in order to be a great businessman. For many, it is learning how to survive in their own country and better themselves by learning a second or third language with their determination to master Cambridge English and the IELTS exam.

Important things to know about Cambridge English exams or International English Language Test

What should students know in order to better their Cambridge English or perform better on an International English Language Test? For many students, the most important skill they could learn is paraphrasing. Why is this important in an International English Language Test or IELTS testing? Learning to understand what is paraphrased can help students learn how to understand written Cambridge English better and quickly. This may also help them to increase their score on an International English Language Test. This is why paraphrasing may be one of the most important skills.

When coupled with good listening and reading skills, students have a better opportunity of earning a higher learning score. This may also benefit them greatly if they plan to enter into international business or take a job where international communication is extremely important. This is why students benefit from taking both a course in Cambridge English and the International English Language Test.

Application Procedure to Study in Australia

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Study Undergraduate Courses in Australia

To study undergraduate courses in Australia you will need an Australia Senior Secondary Certificate of Education (Year 12), or the overseas equivalent like a 10+2 from a recognized board from India. Some undergraduate courses may also have specific pre-requisite subjects.

Study Post Graduate Courses in Australia

An admission to a master degree course or a post graduate course in Australia requires a bachelor’s degree. A Masters Degree takes either one year after a Bachelor Degree with honours or two years after a Bachelor Degree.

Procuring Application Form to Study in Australia If you want to study in Australia then send inquiries at least 12 months before the proposed date of admission.This means that you have to shortlist the Universities that you want to apply to prior to that.

There are three ways to get application forms to study in Australia:

You can request the Application Forms via email from the universities website. Most universities have a form on their website which can be completed online to request application material.

You can also download the form as many universities have a downloadable and ready to print versions of their application forms on the net. These forms can be used for applying just as regular forms.

There are University representatives in most countries which assists students with the entire application procedure. You can also get the application forms from many authorized representatives of Australian Universities in your country.

Academic Calendar to Study in Australia

Mostly the courses at the University level run from early March to late November. The year is usually divided into two semesters. However, some institutions offer a trimester system. Lot of Universities in Australia run summer schools from December to February.

To study Undergraduate and postgraduate by courses the students enroll for their courses at the beginning of the year. Australian universities do allow enrollment in mid-year (around July) for certain courses.

Students may be able to negotiate an alternative starting date with their study supervisor for course of study towards a Doctoral Degree or other postgraduate research awards.

You can take admission any time of the year for Foundation studies as they have student intakes at several times during the year.

Aspiring Chefs Just Need Passion And Talent. French Culinary Institute Scholarships Takes Care Of Fi

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Situated in the streets of New York, the French Culinary Institute recognizes that the potential of culinary talent may be abundant but may be scarce in education funds. With this realization, French Culinary Institute Scholarships are now offered to incoming learners who have passed qualifications on academic merit and financial necessity.

Some of the pride of the French Culinary Institute are master chefs like Jacques Pepin, who happens to be one of its distinguished faculty, and Food Network stars like Bobby Flay, who was once a student in the institute and now is a visiting lecturer. The institute has offered six-month syllabus of day courses and a program with nine months duration for night classes. In supplement to this, the French Culinary Institute has been recognized for their offer to have a series of classes focused on the amateur chef. Unprofessional and full-pledged students both have hands-on training at Lcole, the fine dining restaurant of the institute. Without consideration of a students course, each is eligible to submit an application for French Culinary Institute Scholarships. Some qualifications that needs to be met are US citizenship and permanent residency, which of course ranges from a few thousand to more than ten thousand applicants. These grants also include awards for four Restaurant Management Scholarships in the same number of thousands each focused toward those who want to pursue restaurant management careers.

The FCI Military Scholarship, which awards twenty hopefuls with $5,000+ in the previous years, has been intended for students with culinary and pastry arts interests. Eligibility of French Culinary Institute Scholarships in this category is very specific to those who have worked for any branch of the military for at least 30 days. The Societe Philanthropic/ The Friends of the FCI scholarship is one of the very famous grants given by the French Culinary Institute and has, at one time, given a $6,000+ award to a student who wants to enroll in either the Pastry Evening Program or the Culinary Evening Program. The Friends of the FCI Fall Award is the highest grant of the French Culinary Institute. It had given one individual pursuing studies in either Classic Culinary Arts or Classic Pastry Arts and who would be starting the course in either October or November.

Need Information On Scholarships For Moms

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I’m not sure if you are aware of it or not, but there’s lots of organizations, and organizations in existence which were created specifically to supply scholarships for moms. I am not quite sure what prompted all the interest, but these organizations started appearing everywhere you look, suddenly and with purpose.

One thing that you ought to remember is that, usually, there are actually “no strings attached”. The ultimate winner can use their scholarship for “regular” type colleges as well as trade schools. Individuals were pleasantly surprised, as they assumed that there’d be specific places listed that the scholarship can be used.

To date, there has been countless females and mothers helped by these sort of scholarships. Sadly, without them, there is a pretty good chance they may not have been capable of attend places of higher learning as of this particular stage in life. With the way the financial state is today, having more training has become an assett.

There is no doubt that the majority of scholarship winners will use the winnings for four year schools they might otherwise be able to attend. With numerous skilled labor career fields exploding today, these scholarships present you with an exceptional chance to be at the forefront.

Most often, the winner of the scholarship is selected as the result of some kind of random drawing. To get going, you need to find a participating site, and fill out the information you have, which often at a minimum includes your name and number. Once you have done this, your name will be put in the pot, and the winner will be selected at some future date which is usually disclosed somewhere on the participating site.

Of course there will be those that are skeptical, which is normal with these kinds of things. The majority of the web sites will put the mind at ease though by listing days gone by winners on their site prominently for your personal review. While there are several scams online, scholarships for mom definitely isn’t one of these.

If by chance you need some extra money to further your education, I wouldn’t hesitate to enter one of these brilliant drawings. Nevertheless there is never an assurance that you’ll win, you never stand a chance if you don’t take action. What you might possibly win is worth far more than the few minutes of your time it will take to input your details.

If you want to learn more about scholarships for moms ,you must come and visit the website that contain scholarships for moms review.

Different Scholarship Programs and Their Benefits For Students

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A scholarship for student is nothing but a reward in form of financial help to pursue further studies at school level, graduation level, post-graduations level and for other higher education programs. In almost, every country government and different private organizations and trusts offer Scholarships for Students to encourage them to continue their studies. Besides the local government, there are various universities and colleges, which offer International Scholarships to students for higher studies.

Education Scholarships Programs play a vital role in carving students professional careers by enabling them to keep their studies continue. In country like India, where many students cant pursue desired courses due to financial issue, Scholarships Program is a boon.

The Government of India, through the Department of Science and Technology and the Department of Atomic Energy provide students with different College Scholarships and School Scholarships. Further, there are universities such as Gayatri College of Biomedical Science, Dehradun, UK and Srinagar Garhwal (Central University), which conduct Education Scholarships Programs for those, who want to pursue PhD in any discipline.

Apart from this, NIIT – Bhavishya Jyoti Scholarship, ITC Overseas Scholarships, Joint CSIR- UGC Test for Junior Research Fellowship and Eligibility for Lectureship, HCL CDC-Yuva Pratibha Scholarship, NATIONAL TALENT SEARCH SCHEME, JN Tata Endowment Scholarship Program, Tata Institute of Social Sciences Scholarships, Jagadis Bose National Science Talent Search and Kishore Vaigyanik Protsahan Yojana (KVPY) are other well known College Scholarships and School Scholarships in the country.

Selection of students for different scholarships is commonly done on following basis:

Merit: Students, who are brilliant in any area, need to be promoted for higher studies. Government and University Scholarships Programs select such students and help them financially to study the desired subject in highly renowned institutes in country and abroad.

Scholarships for Financially Poor Students: Scholarships programs also recognize financially poor students and help them to continue their studies.

Career Specific Scholarships: Some sectors such as nursing, atomic research, coast guard jobs, and different welfare programs of government, which need professional to work with. Government offer scholarships for students, who wish to work for such sectors that dont usually attract students.

Student Loan Crises

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We have a student loan crisis here in the United States. Student loan debt in aggregate, an unsustainable bubble of government inspired debt mania, has sky rocketed over the last 10 years nearly 400 percent. The total student loan debt is now nearing 1 trillion dollars with over 10% of that in default or delinquency and much of the rest teetering on collapse.

The government makes these loans available to all manner of students attending a wide variety of schools. Many of these loans are extended to students paying exorbitant tuition rates to traditional non-profit schools rewired and then transformed into “paper mills” or to a whole new category of for profit schools many with even more exorbitant tuition rates and seemingly in indirect proportion to the value received.

Students pay excessively high tuition rates for watered down curricula at a plethora of institutions offering degrees that don’t meet the smell test when compared to the value associated historically with the attainment of a 4-year degree. Many students even after graduation struggle to properly read, write, or do arithmetic as would be expected of a fully educated graduate of a traditional university.

Many profit and non-profit educational institutions are drinking at the government loan spout while at the same time “dummying down” the path to a degree. Government money is fueling the demand and the corresponding tuition inflation is creating a student loan bubble of catastrophic proportions. Many employers no longer value these degrees unless they are from certain very high-level schools; the kind of schools that even student loans from the government can’t cover.

Indentured servitude is a good metaphor for what is happening with the student loan fiasco; this is a truly abusive system that takes advantage of those with high hopes and trying to improve their lives. At least an indentured servant, historically, could learn a craft or a trade that was with them for life; what are these folks getting but membership in a new class of debtor?

With the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 student loan debt public or private is no longer dischargeable in bankruptcy court. Many of our younger citizens now carry their student loan debt around with them like the proverbial, “ball and chain” looking for a job from employers many of whom no longer value the degree. What is next? Will they bring back a “debtors prison”?

Our once very fine university system has been severely damaged by this phenomenon. Not all loans are bad and not all schools are “paper mills” but the trend is clear and this will end badly unless this system is rehabilitated.

Student Car Loans – car financing at low cost

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Students can also have a car, if certain conditions are met by lenders. To take student car loans, has cut very easily and without worry that the loan is primarily for students. You can apply for loans for the purchase of each car model, whether new or old.

The car loans are secured loans to students. If a student does not appear to have taken the loan against the car was quite the student intends to buy to protect the security of the loan. The lender is allowed to drive in his possession papers of a lot of car and return only if the loan is paid in full, return. The student is now ready to use as a car owner.

Since the type of loan is a loan guarantee, credit bad for a student not much in the way including the use of the loan. In case of default, the lender can sell the car to recover the amount loaned. Thus, the lender has no risk offer student car loans student bad credit.

But a student with good credit will be in a better position in the car with student loans at lower rates, while offering a bad credit student loan interest rates over something. Lenders may also relax some of the terms of credit conditions favorable for students. There is no obligation for the lender that the loan should be co-signed. This makes the credit easier for a student.

The amount you can borrow depends on the model car you intend to buy and the best repayment capacity. Thus, we see how much of a deposit, you can use the car salesman, so that fewer loans that you check with your lender.

When students have approved car loans and money to buy a car is in your hands, you can buy it from anywhere? However, very few companies provide funds for each purchase. Most finance companies have agreements with car dealers often with those franchise. Distributors can help you find the model car you are looking for.

Before you qualify for a lender, you do much research on the Internet for the right lender and compare different loan packages available. Compare rates and terms of conditions for a better offer. Student car loan, you have access to resources necessary for a car, but repay the loan in time to avoid the pitfalls.

How Post-Secondary Health Education Courses Can Be Used to Enhance Job Readiness Skills

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As the focus on wellness and preventative care becomes the norm in order to reduce healthcare costs, colleges and universities can also get involved by promoting health education courses that are already available on campus. Post-secondary institutions whose primary mission is to graduate students, who are workforce ready, should include a wellness component within the course of study. Many of the people investing in wellness education programs are employers seeking to reduce their own healthcare expenses for employees. Employers invest in wellness programs for their employees to boost morale and increase productivity. Workplace wellness programs not only help to increase productivity and ultimately affect a company’s revenue, but the programs also help to cut long-term healthcare costs for employers that provide healthcare benefits. One study indicated that for every $1.00 spent on wellness programs, healthcare costs are reduced by $3.37. In addition the cost of absenteeism is reduced by $2.73 for every $1.00 spent; with over 130 million individuals in the workforce, wellness programs can save employers a significant amount of money each year (Baicker et. al, 2010).

Many post-secondary institutions engage directly with business leaders and community organizations to create relevant programs based on the labor needs of the community. Health education courses can play an important role in helping to prepare students for the workforce because the classes can be used as a form of preventative care. Most health education courses are already offered on campus as part of the general curriculum requirements or as an elective option. Providing health education courses as part of a workforce readiness model can help employers save more money in addition to what they are already spending to create their own wellness programs. Offering a unique set of courses tailored to the needs of the employer that include a wellness component also provides post-secondary institutions with a unique selling point for job training programs.

Health education courses not only act as a form of preventative care, but the courses also help to promote critical thinking, health advocacy, communication skills, self-care, build self-esteem, promote self-awareness, goal setting, civic engagement, health literacy, self-efficacy, decision-making, and problem solving skills. The curriculum in health education courses provides students with diverse learning experiences on a variety of topics such as wellness as a lifestyle, stress management, mental health, sexual and reproductive health, relationship dynamics, communication skills, infection control, environmental health, and injury prevention. In addition, health education courses teach students about drug and alcohol abuse as well as prevention strategies. Currently drug and alcohol abuse costs employers $276 billion dollars a year in lost productivity (U.S. Department of Health and Human Services, 2009). Health education courses can play a vital role in teaching students the necessary skills to function in the workplace and in everyday life.

Statistical Resources:

Baicker, K. et. al. (2010). Workplace wellness programs can generate savings. Health Aff.2010;29:304-311.

US Department of Health and Human Services. (2009). 14 short employer cost savings briefs. Substance Abuse and Mental Health Services Administration.

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