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 …

Combating Terrorism in the 21st Century

Terrorism poses as one of the world’s most severe security risk in the 21st century. It is a negative concept with a believe in violence as a means of attracting national and international attention, achieving political, economic and social interest. Terrorism is dated right from the very beginning of human civilization but with increased cases as from the 19th century. For instance, anarchists in some rural parts of Italy and Spain employed terrorist means likewise their counterparts in France. Russian revolutionary movement before World War I had a strong terrorist element etc. In the 20th century, groups as the Irish Republican Army (IRA) carried out their terrorist activities beyond the boundaries of individual countries. They were sometimes supported by established governments, such as those of Bulgaria and Italy under the Fascist leader Benito Mussolini.

Con temporal terrorism is more effective than those of the past due to technological advances, effective communication mediums, extensive worldwide connection and the availability of smaller size weapons.

Most co temporal terrorist activities are carried out by extremists with terrorist bases in countries like Afghanistan, Syria, Lebanon, Iran, Iraq, Pakistan, etc. Recent terrorist attacks like the plane crash against the World Trade Centre in New York City and Pentagon, the bombing of the London underground railways, etc were carried out by the terrorist organization known as Al-Qaeda net work, as a Jihad against America and her Western allies. There are smaller terrorist organizations in different parts of the world but the vast net work is coordinated by Bin Laden the founder of Al-Qaeda. People live in the United States in relative security until 9/11 when the terrorists stroke and brought down the twin towers of the world trade centre and Pentagon, sending many who came for business to their graves. Thousands used the London underground railway in relative security and safety for several years until July 7 2005 when the terrorist strike killing many and wounding others. Egypt Nile resort was an important spot for tourists until the terrorist’s stroke and killed over 300 persons. India, Pakistan, Afghanistan, Lebanon, Iraq, Palestine Israel, Kenya in Africa etc have all witness severe insecurity as a result of terrorist assaults. Terrorism has increased insecurity worldwide. People are no more certain with their safety as they travel or work in different places. The security risk posed by terrorism, has changed the course of world affairs. Billions is spent in the fight against terrorism worldwide, yet the threat is still here with us. So much is still needed to curb the plight of terrorism.

Combating Terrorism

There is a solution to every problem, an answer to every question. Terrorism has its solution in both pro-active and reactive measures. Pro-active measures are preventive while reactive measures are restrictive measures. Pro-active measures are less expensive measures, while reactive measures are more expensive. To curb terrorism in the 21st century, humanity must be more pro-active than reactive. (Prevention is better than cure).

Pro-Active Measures

i) Enlightenment: One of the most effective pro-active measures in …

How To Hire A Career Coach or Business Consultant

Choosing the right career is a significant milestone in everyone’s life. Most career aspirants are unaware of the latest trends in career market and often fail to groom themselves to be on the launching pad to a successful career. The highly competitive career market requires dynamic and young go getters who are ready to go that extra mile to be successful.

In case you are baffled by the million dollar query of how to hire a career coach, the following tips would be of great use.

Ask job placement centres for leads and recommendations as they will know the best career experts in town and would suggest the appropriate professional guidance depending on your qualifications and experience.

Compare the charges involved vis a vis the services offered: The career or business consultant will enable you to attempt the self-assessment tests confidently apart from helping you to build up your network.

Choose a career consultant who is specialized in your field. Hiring someone who has no expertise in your field might not be of much help in placing you at the right slot.

You need to verify the credentials. Ideally a career advisor must have a masters degree in counseling apart from a specialty in career counseling. Ask for a client list and call references.

Make sure to set realistic time frames to accomplish your career goals. Take self assessment tests and personality tests under the guidance of the consultant as these will help you to discover your values and strengths and get you launched at the right career path. Getting trained under a career counsellor will make you well organized and confident.

A career coach will help you develop their skills and fine tune their behaviour so that they fit well in the inner circle of employees in an organization. Just like an employee needs a career consultant to shape his career path, an organization might need the services of a business consultant. Apart from chalking out a comprehensive plan for business development, a professional consultant will also enable you to have a fresh look at the prospects and the challenges ahead.

Business consultants help you to define your goals realistically and to direct the operation procedures to meet this objective. The clients are also offered legal advice and accountancy help if needed. In case you are seeking the services of a consultant to get your company certified, make sure that the person whom you are entrusting this task is accredited by the certification process.

Some of the parameters to consider while hiring a consultant include his ability to increase sales and to enhance customer relations, develop business into the next level and handle tax matters. You can set benchmarks and time list for each consulting project to make sure that it is practically feasible.

Last but not the least; make sure to have a written contract in place once you have finalized the consultant. The contract should include the scope of the work, non compete clauses and payment schedule.…

How To Get Better Grades In College

Ever wondered what on earth can you do to finally pull off a good grade in college? Well that is what the article will be addressing by giving these tips on how to study for a college test.

1. In class, record almost everything, do not wait on what you think is important. The teacher may view something as important which you did not, which puts you at a disadvantage.

2. Attempt tutorials and try to attend as many as possible.

3. The repetition of information and the practice will help your memory and your ability to get closer to that A. Practice your tutorials and past papers before an exam.

4. Exam questions are often similar and are sometimes even recycled. Importantly, you should try to practice answering questions without looking at the notes after you have studied a topic.

5. Review the material as soon as you can and review often. Place an emphasis on understanding and thinking about the material rather than mere recitation

6. Try to pinpoint areas which are stressed during lectures. These are areas which your lecturer views as important and you will more than likely be tested on these areas.

7. Keep handouts organized in a folder so it will waste less time trying to find class material Take a front seat as you will be more focused, less likely to fall sleep and less likely to find people who talk a lot at these positions.

8. Develop your own abbreviations when taking notes. This enables you to save some time and so you can keep up with the lecturer. Be careful, however, not to overdo this.

9. Visualize the material and write down what you need to remember This aids memory as more senses are involved

10. Keep a positive attitude. Visualize getting an excellent grade on your paper. You can make a poster with inspirational quotes, read inspirational stories or you can even listen to positive songs to lift your mood when you feel low. Do whatever you have to do to believe that you will do well on your exam

11. Read information about study skills. Try buying one or borrowing a book from your library or friends.

12. Concentrate during class.Doodling and talking with friends will cause you to lose valuable information and explanations.

13. Time is then wasted by trying to figure concepts which were missed, by reading textbook repeatedly.

14. When you write notes, ensure they are legitimate. Its easier to read and less time is spent trying to figure what it could be.

15. If there is anything you do not understand go to your lecturer for some help

16. Forming study groups can be very useful. Someone else may understand a topic much better than you do and be able to help you understand it, and of course, vice versa. You should be cautious, however, to invite people who are serious about their work and will not waste your time by idling a lot.

17. …

Science And Reason May Have Failed When It Comes to Dealing With Matters of The Human Heart

It's a well-known fact that if a person is in love with someone else, he or she should also protect the possessions of his or her sweetheart, as well as look after the welfare of him or her. A Christian Priest, St Bernard, reportedly said in the year 1153:

'Que me amat, amat et Canem.'

Meaning: "Anyone who loves me also loves my dog."

And in the year 1480, another famous saying about love went as follows:

"He that lovytheme, lovythe my hound."

A hound is a type of dog used for hunting; a foxhound. Additionally, there is a famous saying in French West Africa about love:

"Pas la jalousie, pas l'amour."

Meaning: "If there is no jealousy, then there is no love." Love and jealousy are, therefore, strange bedfellows and that if a man loves a woman he will always be restless if he sees her talking to a stranger and vice versa.

People have grown so busy that personal relationships are now impoverished. Friendships are now harder to keep. Families are shrinking, and not only through divorce. People in developed countries are now having few children, and the elderly are not often cared for, at home. And, despite human relationships have been categorized into many types, relationships with the opposite sex have been the most common in all cultures under the sun. These relationships could just be platonic ones; they could also be a romantic ones; however, the romantic ones are arguably the "sweetest". As far as romantic relationships are concerned, they are the same in the East and in the West. Differences, however, would not fail to exist with respect to their longevity, closeness and intensity.

The words "love" and "lover" are used so freely these days that it may not necessarily indicate the dichotomy between an amorous relationship, where one partner is usually considered only as a "usable and expendable commodity", and an intimate companionship, whereby the intended goal is matrimony. Some men want to boast about their priapic conquests. Some sailors are reputedly famous for their priapic episodes ashore (a girl in every port).

Science and reason may have failed when it comes to dealing with problems of the human heart. Today, we are witnessing a new revolution that will shape the knowledge society of the 21st Century. This revolution affects all aspects of our life- styles, the way we learn, work and communicate with each other; but will it be able to keep marriages intact; insure loyalty between couples; put a stop to child prostitution and pornography; end violence against women once and for all? In short, will it make the world a better and safer place to conduct faithful relationships?

The Somber Princess Diana – the People's Princess – telling of her lonely and desperate existence in her early married life to the Prince of Wales, Prince Charles, says: "My husband made me feel so uniquate in every possible way," she told her biographer Andrew Morton. Princess Diana also talks about her several …

Support During Career Transition: Keeping Upbeat and Focused

Do you sometimes find that as soon as you take that leap and decide to make a positive career change, you’re met with criticism and resistance from those around you? They tell you why it’s a bad idea and try to persuade you not to follow your dream.

Luckily, it only seems that way. One of the biggest challenges that many people in career transition face is trying to convince their families, friends, coworkers and the people who know them best, that change is a good thing. At a time when everything is in flux, it’s tough for us to reassure people we are headed on the path to success despite any obstacles which may surface along the way. We may even be uncertain ourselves! And because we frequently experience the most resistance to our ideas from the people who mean the most to us, it can FEEL like our core support system is caving in. But don’t worry, I assure you it’s not!

As a certified career coach who has helped many people overcome obstacles and who has paved the way for my own career, I make sure my clients know where to find the best type of career support, at the time when they need it most. Here are five sources where you can seek out guidance, education–even commiseration!–during your career transition period.

1. Career networking – both online and in person.

There are tons of career-focused networks and resources on the internet and in your local area. To locate them online, do a Google search. Check out your home town paper to find out where the best career focused communities are hiding. Go out and mingle with like-minded professionals who are seeking a change in their own careers or who are currently in the career you want to pursue. Participate in workshops, contact your college alumni office or attend a networking event. The information is there for the taking, all you have to do is seek and you shall find.

2. Individual career coaching.

On my site I offer what is known as Co-Active Coaching – a style of coaching that empowers the career seeker to find the right answers on their own and navigate their career course in a way that feels right for them alone. A good coach will never just hand you instructions, but is there instead to offer expert advice, an objective viewpoint, positive encouragement and suggestions to help manage your goals effectively, in a manner that works for you.

3. A career seeking buddy.

Sometimes it isn’t easy being that “horse of a different color” in your group of friends. If everyone you know is consumed with their corporate job but you have a strong urge to strike out on your own, you may get some resistance from those who can’t relate or are fearful you might be making a mistake. The solution is not to try to persuade the naysayers, but instead seek like-minded people or a supportive friend to commiserate …

Increasing Popularity Of Distance Education To Shape The Future Of Promising Students

The concept of distance education is becoming extremely popular among people around the world. It allows them to finish their incomplete education which they had to leave for different reasons like severe financial crisis and other circumstances. Many higher educational institutions are supporting this medium of learning through offering courses on various subjects based on this model. People working in different sectors are showing good interest in this education model to complete their education without affecting their careers and other responsibilities. It is also helping them to acquire additional qualifications to secure better job-opportunities in the market. Students who have failed to secure admission in general education institutes are enrolling in various distant learning institutions to fulfill their academic goals and aspirations in life. The model of distant learning is helping students of weak financial background to obtain all the essential education facilities and infrastructures within affordable budget.

Candidates who are enrolling in distance education courses will not have to attain classes on a regular basis. Classes under this model will be held on certain specific days of the months and it shall not deprive students from obtaining quality education under the supervision of qualified teachers. This medium of education will offer them a much-needed platform to compete with students of general academic institutes in every walk of life. It is emerging to be the most reliable and secure platform where students have the opportunity to exhibit their hidden merits and intellects before others without any concern. Many private sectors are recruiting candidates who have secured professional degrees and diplomas in various subjects from distant learning institutes also. Using the platform of distant education many countries have been able to curb the level illiteracy to a significant extent.

Governments around the world are giving equal importance to this distant learning model besides the general education system. For the purpose of retaining the interest and enthusiasm of the students towards distance education, the government of India has made legal provisions to offer various financial grants and other assistance. A central distance education board has also been formed to supervise the teaching and other academic infrastructures of various distant learning institutes across the country. Now institutes running under distance learning model can also award students with prestigious academic recognitions like Doctorate, Post-Doctorates and others for pursuing higher-level academic research on any subject. Under government directive, many distance learning institutes have launched tutorial websites to facilitate smooth online admission of students into any course of their choice. These websites shall help them to obtain full information about every institute offering distant education courses. They will easily come to know about the teaching staffs, courses, examination schedules and other infrastructural facilities of these distant learning centers. Through these websites they can easily appear for different mock-tests, annual examinations and can engage in live interaction with the subject teachers for obtaining valuable guidelines and other academic suggestions. Students living in remote places will be much benefitted from these tutorial platforms as they can easily attend …

Career As an Orthodontist

A general dentist is the person people usually approach whenever there is a problem related to their teeth. A dentist will see too many kinds of problems related to teeth and mouth but there are many such types of oral and dental problem for which a dentist will have to refer his patient to other professionals like prosthodontist, periodontist etc. Especially whenever there approaches a patient with a problem in alignment of teeth, the dentist will direct him to an orthodontist. An orthodontist deals with the problems of alignments of teeth and provides the patient with a solution in the form of braces or invisalign in the modern context. During the process of straightening of teeth, the role of an orthodontist is very important. He takes care of little problems related to the alignment and fixes them before they aggravate or cause problems or pain for the person. They work sincerely for the cause of straightening the teeth and bringing them in proper alignment.

An orthodontist will have to take an additional degree after the completion of degree in dentistry. This degree promises him a good career in this discipline of dentistry which is known as orthodontistry. An orthodontist will deal with the patient who will approach him with the problem of bad alignment of teeth. This bad alignment will be due to many reasons that will differ in each person.

With the help of invisalign the problem of misalignment of teeth will be solved. For an orthodontist to make his mark in his field, he needs to be skilled in handling the various appliances that are used in the treatment. He should have a reasonable amount of experience in dealing with different cases of patients with unique nature of misalignments. His experience will be the key for his success and will take him long in the field. People will approach him with their problem if he has good amount of experience under his belt. As his experience increases his credibility will also increase and he will be able to gain the trust and confidence of his patients.

Most of the times, orthodontists work independently. Apart from these he should have good managerial skills by which he can manage his staff if he sets up an independent practice. Sometimes these professionals work in small or big partnership with others belonging to the same field. For these partnerships and ventures to work well, the professional should possess good speaking and communicational skills to interact with fellow businessmen and deal with the patients pleasingly.

As far as the income and monetary matters are concerned in the field of orthodontistry, it can be stated that an orthodontist will have the capacity to earn a decent sum of money. But his income will not be uniform through the span of his career. He will earn less in the beginning of his career and income will increase considering as his experience increases in the due course of time. …

Online Degrees – How to Get a College Degree Online!

An online degree is a college degree that is earned by taking courses online. Online degrees are offered by online colleges or schools or programs or by regular brick and mortar schools – on-campus schools, colleges or universities. In some cases you can go for free.

Depending on how much education you already have you can earn an online degree is less than two years. Depending on how much you sign up for and study for and complete of course, will determine how long it will take. There are many colleges and universities that have associate degree programs too that offer accelerated programs. And then some programs will take the same amount of time as the traditional on-campus college degree.

Students who choose to learn online will need to be more disciplined. You’ll have to motivate yourself to check in, complete your courses, take tests and attend online lectures without a traditional on-campus schedule to follow. Your amount of course-load would be the same as on-campus including assignments, any prerequisites and test requirements. Degree requirements would remain the same also.

If you’re wondering if online degrees are credible, they certainly are. They are becoming much more popular and many famous colleges and universities offer online degree programs now. Employers look at them just as favorably too. Just make sure your online college choice is accredited. There are fake accreditation schools but you can easily sniff these out. The U.S. Department of Education is responsible for accreditation so you can check with them.

There are more than four million people taking online courses and programs and each year more people are signing up.

All degree types can be achieved online – associate degree, bachelor’s degree, master’s degree, doctoral degree, graduate programs and many types of certifications and other diplomas.

Areas of study include business, accounting, business management, marketing, criminal justice, law enforcement, homeland security, education including elementary and secondary education, engineering, graphic design including website development, healthcare including nursing and healthcare administration, human services, psychology, legal and paralegal, liberal arts and technology including computer programming and network technology.

Financial aid is available through the financial aid department of the on-campus or online colleges or universities. Generally you’ll find it easy to get federal loans or actually receive grants or scholarship money for your education. There is money set aside specifically for online degrees. Additionally there are other types of education loans. One should try to get scholarships and grants so you can get part or all of your online courses free.…

Learn How to Make Money Taking Photographs

Thanks to the internet and digital cameras there's a huge market now for selling all kinds of photos featuring themes, styles, topics, etc.

There is money to be made from taking and selling photographs. Taking pictures is easy, fun and you can work at your own pace. You do not have to be a professional photographer or have a college degree. All you need to get started is a digital camera, computer and a photo-editing program (Adobe Photo Shop, etc). You do not have to be a professional photographer or have a college degree.

The market for photographs is huge. Estimates show magazines and newspapers buy over 50 million photos a year,

There are many different ways you can make money with your digital camera. You can make money taking and selling photographs for people's personal use, decor, family reunions, birthdays, anniversaries, memories, portraits, weddings and pets.

Clearly to be a success in making money taking photographs includes tips on finding the best revenue sources for your type of work. Depending on what method you choose to market your photographs with you will either be selling them per download via sites such as Stock and Prints, Crestock, iStockphoto, Dreamstime etc. or local Business People, Travel Agents, Realtors, Car Lots or even directly to clients on a contract basis. Photographers are needed in many fields. For instance many people use car web sites and they sell their products as a result of photography. People celebrate special occasions more with photography, than they did years ago. The travel and advertising markets have a great need for landscape, travel and nature shots. The key to finding your clients is simple: find out where they buy their current photographs and make yourself visible there!

These are some of the photograph markets that will pay you for taking pictures:

Marketers
Writers
Magazine Editors
Weddings
Scrap Bookers
Business People
Peoples Pets
Travel Agents
Realtors
Web Designers

There are many other markets that you can check out that you can sell photographs to.

Learning how to make money with your camera via the internet can be reliably easy. All you need is to get enough determination to give this endeavor everything. You must also have the initiative. This will ensure that you make the first move to making the business a success.

Almost anyone with the right camera equipment, and the necessary skills can set up a home business, marketing photography. You only need to convert a room of your house into an office, and then you can work immediately. Because you have modern technology in the form of digital cameras, you do not even need the room for a dark room.

The technical skills needed to make a successful photographer have never been easier. The market for photographs of almost every type has widened, the world looks to have an insatiable appetite for photographs. . For instance many people use car web sites, they simply did not exist ten years ago, and they sell their products …