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Posted by admin | Posted in Uncategorized | Posted on 05-02-2011
Tags: education, resources, teaching, video, web2.0
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Posted by admin | Posted in Uncategorized | Posted on 13-01-2011
Tags: business, education, harvard business school publishing, harvard business school publishing careers, harvard business school publishing case studies, harvard business school publishing cases, harvard business school publishing corporation, harvard business school publishing educators, harvard business school publishing elearning, reference, research, web2.0
Harvard Business School Publishing
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How to Pay for IIMA or Harvard
It's the final innings for admissions to the prestigious Indian Institute of Managements and other business schools.
In a few days, students will know whether they have made it or not. If you are chosen, you may not get too much time to celebrate – you have to figure out how to pay for that expensive education.
Several IIMs recently increased their fees by 100,000 rupees or more. A two-year management of business administration program at the coveted IIM Ahmedabad now costs around 1.4 million rupees ($31,500), while the fees are 1.35 million at IIM Calcutta and 1.3 million rupees at IIM Bangalore. Only a small percentage of students qualify for breaks in fees at these schools.
Luckily, there's help at hand.
India's banks have been increasingly boosting their education loan portfolios and new players are entering the market. In December, home loan giant HDFC Ltd. bought a 41% stake in non-banking financial company Credila Financial Services, which specializes in giving education loans. HDFC hopes to eventually buy out the entire company.
For banks, education loans are bitter-sweet – they carry a higher interest rate than some other loans like home loans, but they are also more risky. Due to Reserve Bank of India rules, banks are not allowed to accept any security or collateral for loans of up to 400,000 rupees.
Education loans are still a small portion of banks' loans portfolios. But the government considers education loans to be one among a list of "priority-sector" loans so government banks sometimes give these loans to fulfill their quota for priority-sector lending. And in recent years, several private banks have been increasingly focusing on this area.
Unfortunately, many deserving students still struggle to get loans. Banks ask for a co-signor to the loan – typically a parent -- and for 100% collateral to cover the loan even when it contravenes government rules. That can be very tough for the poor to afford, says K. Srinivasan, co-ordinator of Education Loan Task Force, an online activist group which works with students of Tamil Nadu. "Because of lack of finance, many of the students with more than 90% marks (in school) have to work at tea stalls," says Mr. Srinivasan.
Banks typically give loans of up to 1 million rupees for study within India and up to 2 million rupees for studies abroad. For loans of more than 400,000 rupees, you need to put in some money of your own -- 5% for domestic education and 15% if the student is going abroad. For large loans, banks accept a number of assets as collateral, such as property owned by you or your co-signing parent, a life insurance policy with a surrender value, or fixed deposits in the bank.
To get a loan, you must already have admission in what the bank considers to be a worthy institution. Many banks publish a list of courses which qualify for loans, but they don't list each and every institution approved by them. Which means you will still have to go to your nearest bank to find out for yourself. IIM's qualify.
India Real Time
Looking to the U.S. for Student-Loan Ideas: Indian banks remain reluctant to lend to students whose parents are rickshaw drivers or porters. One solution might be to follow the West's government-funded loan model.
While banks are required to lend to all eligible applicants, it may be easier to get the loan if you already have an account or other relationship with a particular bank.
At the moment, interest rates on these loans vary from 11.25% to 12.75% depending on the amount of loan. These rates can change during the term of the loan, in case the Reserve Bank of India raises broad interest rates.
There is a lot of variation though. Students of IIMs and some other prestigious schools can get better deals. Union Bank of India, for instance, is charging only 10.5% to students admitted to a select number of schools. Women pay 0.50 percentage point less.
Unlike banks which typically charge a fixed rate for a certain category of students, HDFC's Credila charges different rates depending on the school and the student's grades. Credila country head Prashant Bhosle says that this ensures that all students have a good shot of getting a loan, even if it's at a little higher cost. Credila's interest rate ranges from 9.75% to 12.5% currently.
You have to give the usual list of documents to support the fact that you do have admission to the particular school, your and the co-signor's bank account and income tax statements, proof of residence, and statement of assets and liabilities.
Students planning to study abroad can also apply for loans, though sometimes they face a chicken-and-egg situation. Some foreign colleges, such as those in the U.S., require a proof of finances at the time of admission. However, most banks in India don't sanction a loan till the student has a confirmed admission in the given college.
HDFC-backed Credila has a solution to this. It provides a letter of credit on behalf of the student which typically satisfies the college, and then converts it to a real loan when the admission goes through.
Students are expected to start repaying their loans within six months of landing a job or after one year of graduation, whichever is sooner. Most banks require that students pay simple interest on the loan even as they are studying. The loan is extended for five years to seven years typically.
Bankers advise students to be careful while selecting the course and college they want to get in to, especially given the large number of new institutions that have sprung up around the country. Just because you're hungry for admission, don't rush into a program which may not result in a good salary and future, says C.S. Jain, head of retail banking at IDBI Bank Ltd.
About the Author
Education Loans in India is offered by Credila. For more information about Credila and Abroad Education Loans Please visit www.credila.com
Posted by admin | Posted in Uncategorized | Posted on 11-01-2011
Tags: books, education, europe history, europe history for kids, europe history map, europe history maps, europe history timeline, europe history worksheets, european history documentary, european history quiz, history, maps, reference
europe history
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20th century Europe electronic magazine on doXtop
Online magazine on modern European history
DoXtop member galina recently created another quality online magazine on our publishing site, this one dedicated to the 20th century political history of Europe. It is titled Europe in XX century and the magazine owner describes it as being about "famous and less famous events during World War II, and during other decades" of the 20th century. The magazine includes several overviews of political ideologies in Europe during second half of 20th century, notably the communism. Beside political issues, this electronic magazine covers other subjects, such as the Balkans, terrorism, women rights and there is even a part dedicated to art, where you will find an interesting comparison between Einstein and Picasso.
doXtop magazines are Web site like presented sets of individual publications from one or more doXtop users on specific themes. They can be viewed as electronic versions of physical magazines. It is very easy to set up and customize a magazine through Edit and Table of content options. Magazines can be open for the public or limited to defined communities.
You can check other electronic magazines based on doXtop, covering a wide range of topics and interests, if you follow this link: http://www.doxtop.com/magazines.aspx
Europe in XX century fully demonstrates the qualities of doXtop`s content transformation, publishing and social qualities. It comes along with a set of useful options:
- Social functions (send to, embed, comment, bookmark, and rate)
- Subscription
- Download
- Access statistic
- RSS feeds
- Member list
- Content notification and approval
And this is not all doXtop has to offer. It also enables its users to create Social Publishing Sites - personalized, content-rich Web sites aimed at sharing personal content with the world in an interactive environment. Social Publishing Sites provide document management, creation of digital libraries, publishing and syndication, collaborative team spaces, personal file storage, blogs, forums, events. You can already join our sample network, or create your own Social Publishing Site.
doXtop enables you to author, manage and collaborate on content using your favorite authoring applications and then publish, distribute, discuss, and market it online in any format for the viewing pleasure of any person, group, community or network on the planet.Check out the featured social publishing sites here: http://www.doxtop.com/sps.aspx
Best of all - it is free and very easy to use, meaning you do not need to understand Web technology in order to exploit all advantages of doXtop.
About the Author
Posted by admin | Posted in Uncategorized | Posted on 19-12-2010
Tags: application scholarship 2011, application scholarship essay, application scholarship letter, application scholarship letter template, application scholarship sample, application scholarships, education, scholarship, scholarships, tools, web2.0
application scholarship
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The Fastest Way to Search for Scholarships Online
Looking for a scholarship requires a lot of time, and sending your applications is more time consuming. If you want to search and apply for a grant easily, then a scholarship search program will be useful for you. This article will be showing you how this program can help you find the right educational grant for you, and how it will speed up the process of sending your applications.
Scholarship search is a program that will allow students like you to create a profile, which will be used to help them find the most suitable educational grants for them. This program is free to use, and will never ask for any crucial information from you. All they need are the information regarding your skills, achievements, and other related things that will help them find the right program for you.
Once you have submitted all the required information, you can sit back and wait for an email notification regarding all the available grants that may be suitable for you. This is a very useful program, because it will help you search for grants online, while you continue your search using other methods.
Scholarship search uses a massive database that contains all the information about the educational grants available online. The information that you will be giving will be used to pick the best program for you. Did you know that there are millions of grants available online, and finding them all by yourself can be very time consuming.
Unfortunately, due to the large number of grants available on the Internet, scholarship search cannot determine the legitimate grants from the scams. Like search engines (Google and Bing) these programs will only give you a list of all the grants for school related to the information you have given them. Make sure that before you send an application for a scholarship, you have conducted a thorough research about the program. This will help you avoid getting scammed or worse getting your personal information stolen.
If you were able to use this program properly, it will help you increase your speed of applying for scholarships by 100%. You can continue searching for scholarships on your own and simply wait for the email notification whenever they find a suitable educational grant for you.
About the Author
Many places offer scholarships just for being in a specific group. Take just a few minutes to get a scholarship just for being a aspiring student. That's money that does not have to be paid back. Here it is, Dedicated Scholarships and it's free.
Posted by admin | Posted in Uncategorized | Posted on 07-12-2010
Tags: blog, creating a business plan, creating a business plan for a non-profit, creating a business plan for a small business, creating a business plan for an established business, creating a business plan free, creating a business plan harvard, creating a business plan lesson plan, creating a business plan template, design, education, tools, web2.0
creating a business plan
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Guidelines In Creating A Business Plan
Creating a business plan is important if you are planning to start a business, particularly a home-based venture. The Internet has made it easier for people with limited resources or funding to start a home-based business. However, many home-based businesses do not succeed because it often lacks the necessary business tools and ideas needed to make the whole venture succeed.
A home business, although it is based at home, is still a business, and must be treated as such in order to reach its goals. In many cases, a home based business is more difficult to run than a traditional type of business which is based in another location, because there is often conflicting time and interests between work and home life.
In the case of a home business or any small commercial venture, most people think that making a business plan is just an unnecessary waste of time and effort since the business owner already knows what their plans are and what path they will take.
Even for business people who are not interested in obtaining a loan or a grant, a business plan can help in organizing their business and keep them focused on their goals. This document can help in tracking their actions and make sure that they are following the path initially set out.
In creating a business plan, make sure you know the following:
• The service or products you are going to provide or sell;
• The need that the business would fill;
• The target client-base or audience;
• The possible competitors, and how your offering would be different from theirs;
• The way you will market or promote your business;
• The costs of setting up and running the business;
• The financial resources (both existing and potential) that will be used in the business; and
• Your short-term and long-term goals for the business.
Business planning is important to start and grow a successful enterprise. Business plans are first and foremost a business tool and are based on sound business concepts. Even for owners of home or small businesses, it is important to have a plan to guide their businesses' daily activities. The plan does not have to include complicated details or should be followed to its smallest feature, but it should specify your target audience and the business techniques you will use attract and hold customers and increase sales.
The business plan should also have a description of your product, its use, and how customers are going to benefit from it. A good business plan is short but informative. Knowing the target audience for the product or service you will offer means that you would have to learn their place in society and design a suitable way to promote your product.
The business plan should also clarify your goals and objectives. This way, business activities which had little to do your company's goals and objectives can be avoided. These goals and objectives also should be realistic and achievable for your company and your customers.
There are many challenges involved in setting up a business, even if they are small. Think of creating a business plan as a tool to help you achieve success in your business, and not as an additional challenge that must be faced.
About the Author
Ready To Start Your Own Internet Based Business And Make Real Money Online? For A Limited Time Only - Go To http://www.InternetBasedBusiness.com For Your FREE eBook That Reveals The Secrets To Getting Your Own Profitable Internet Business In 24 Hours Or Less!