NAIJAMESSAGEBOARD

For some students it’s not just about studying at a university in another country, it’s about studying at  the  university in another country.  But how can you make sure your application wins you a place at one of the top universities in the world? Do you dream of getting into Harvard or another top-ranked university? There are some obvious things you need to do first. Check out the websites of the universities that you’re really interested in thoroughly.  Read through all the documentation, make sure you know exactly what the qualification requirements are and what the application process is. In general the elite universities want the very best students and they want those students irrespective of nationality. Usually you will need to follow the application process of the host country and that is likely differ somewhat from the one in your home country. Often some of the detail can get lost in translation (or just in the amount of information you have to work your way through

For many parents the fulfillment of their educational dream for their child is to secure a place at one of the top universities in the UK or the US. The competition for these places is beyond fierce so how should parents and students assess whether this is the right route for them and if so how should they prepare? WhichSchoolAdvisor caught up with Gill Shepherd, who is the Schools liaison officer for the  Oxford and Cambridge Alumni Association in the UAE  to unlock some of the answers. Can you tell us about the Oxford and Cambridge Alumni Association and what you actually do? We are an alumni society so we have all been students at Oxford and Cambridge. We organise events for our members to meet one another and, of course, we offer our help to schools who have students applying to study at Oxford and Cambridge. We also have experience of studying at the two Universities. However, things change: when I applied there were entrance exams but you didn’t have to write a p

The leaders of our oldest universities tell sorry tales about the losses they incur when teaching undergraduates. Andy Hamilton, the vice-chancellor of Oxford, puts the annual cost of each one at around £16,000. After discounting the £9,000 tuition fees, he says that leaves “a funding shortfall of more than £7,000 a year per student”. Our most prestigious institutions are now lobbying to be allowed to charge more, while also looking closely at the Australian government’s attempt to abolish fee caps. The full picture is complex. The Higher Education Funding Council for England (Hefce) still subsidises disciplines that are more expensive to teach. It also funds widening participation and retention work, and even provides Oxford and Cambridge with their own special funding because they provide a distinctive education. So whatever the shortfall, it is less than £7,000. Moreover, our leading universities choose to spend a relatively high proportion of their tuition fee income on stud

Saving money on your car insurance is easy and quick, but many people still fail to do it. The mistake most drivers make is not taking the simple step of shopping around for the best premium. Instead they just accept their insurer’s renewal quote, which is likely to be much higher. The good news is that comparing car insurance is simple and easy and you can find the best price in less than five minutes. You can then compare the quality of the policy and have a idea of the best price to negotiate with your existing insurer, if you want to stay put. There are a handful of ways to help reduce your car insurance costs? Whether you are male or female, old or young, follow our ten steps to lower premiums. The quick way and easy to save on car insurance We list our ten tips to find the best car insurance deal below – but for a quick money-saver, you can also use our carefully chosen quick comparison engine powered by MoneySupermarket with the link below. > Compare car in

How does longevity insurance work? Longevity insurance provides guaranteed income starting at some point in the future (typically 2-40 years from now) and continuing for life. You might see longevity insurance referred to by other names, including longevity annuities, Deferred Income Annuities (DIAs), or advanced life deferred annuities. There’s also a specific kind of longevity insurance called a Qualified Longevity Annuity Contract (QLAC). But they all serve the same basic function: protection from outliving your savings. Typically insurance is meant to protect you from something bad happening. But in the case of longevity insurance, it’s a little different: you’re allocating your assets to something that protects you from outliving your money because you live longer than expected. In general, that’s a good thing, but you just have to make sure you’re protected financially. From the insurance company’s perspective, they are simply pooling a different type of risk: longevity

In a life insurance policy with maturity benefits, the insured will be entitled to claim maturity benefits if he or she outlives the term of the policy. The insured is entitled to claim the maturity benefits only when the policy is in force and all premiums have been paid duly. A maturity claim is one of the simplest claim procedures with minimal paperwork involved. Policy discharge form Typically, the insurance company sends a Policy Discharge Form about one month before the maturity date of the insurance policy. The letter also provides instructions regarding the documents that need to accompany the form. Details and documents The policy discharge form must be duly filled by the policyholder. The form needs to be signed by the policyholder as well as two witnesses. Along with the form, the following documents need to be enclosed with the application: * Original policy document * Copy of identity proof * Copy of address proof * Bank mandate form with bank details *

Insurance is a way of transferring a potential loss to the insurance company in exchange for a fee, also known as a premium. Insurance companies invest these funds securely so they can grow, and then pay out when there’s a claim. Insurance can help you: Own a home.  Home Owner’s Insurance is especially useful if you’re applying for a mortgage as they’ll want to know your home is protected. It can also help protect you from weather related damages to the home or even theft of personal property. Drive a vehicle.  Vehicle accidents can be extremely expensive when you think about health care costs, legal costs and vehicle repair costs. Think of Auto Insurance as a savings account or investment for your vehicle. Maintain your current standard of living.  This is where life insurance or disability insurance in case of accident prepare your in case of a critical illness or accident. With this type of insurance you can be sure that your family will still be well taken care of in the

Life Insurance at age 46 If you’re 46 years old and you do not have life insurance or you’re thinking about getting additional coverage to protect your family, then this article is meant for you. At TermLife2Go, we work with the best life insurance companies and no exam life insurance companies in the marketplace. Getting a million dollar life insurance policy without an exam is available. Now for most people seeking to buy life insurance in your 40s finding inexpensive life insurance is not hard and you should still be able to find it for a very low price. However, it can also begin to get really expensive if you make some common mistakes. Below are just a couple of things that you should consider in order to get the best deal on your life insurance at age 46. Life Insurance for 46 year olds. Tip #1: Consider a no exam life insurance policy This tip is mainly for those of us who avoid going to the doctor. Basically, if you haven’t had a physical in the past year or more