Interest Deferred Student Loans – Tips for You

For college students, discovering ways to pay for their education is as hard as getting into a good school. Most students receive student loans and do not totally understand their repayment schedules.

An interest deferred student loan is only one kind of loan available. It is feasible to find a deferred student loan lender, but like all loans, each bears its own unique set of dangers and benefits. Every lending institution features its own set of rules for prospective borrowers, and the quest for affordable student loans may be your first significant educational test!

One deferred student loan lender, the Stafford Loan, requires no payments until after graduation, with an additional six-month grace period. Whatever quantity borrowed will have to be repaid only after graduation, or if the student falls beneath half-time status or gives up on school. As long as the student remains enrolled at a qualified educational institution, the loan’s interest is deferred.

Stafford Loans have 2 options, 1 in which the loan is granted by the school and the other when a private lending institution grants the loan, which is bonded by the federal government. In either case, loan repayment requirements remain the same.

A Perkins loan, released by the school, is backed by resources made accessible by the government and the amount of funding is limited and contingent on financial need.

Other Loan Types

Further non-deferred student loans obtainable by students and their parents, such as the Federal Direct Parent Loan for Undergraduate Students, will grant a loan based on the amount charged by the school for classes and additional expenses less any scholarships or other aid obtained by the student. In this loan, repayment will begin within 60 days of the full amount being awarded to the school.

The Federal Direct Graduate PLUS Loan offers a similar plan, complete with the same repayment requirements.

For nearly all unsubsidized loan agreements, money borrowed under a deferred student loan agreement will not entail repayment until after graduation. However, with most of these loans, interest will accrue from the date of the loan. Students are urged to make interest payments through the life of the loan or the interest amount will be compounded to the principal.

Most of these loans are awarded to students not qualifying for need-based assistance and they are considered unsecured loans. For many students who must have a loan to make attending college affordable, there are deferred loans which delay repayment until after graduation. There are even some vocations that will let repayment to be deferred for up to 36 months. Make sure you understand if you are dealing with a deferred student loan lender, and if you submit an application for an interest deferred student loan, make extra sure you understand the terms you agreed to and the repayment schedules. Always consult with the financial aid office at your school and make sure you complete your application, submitting all the necessary forms requested by the lenders. Before you apply, be sure you have all the facts essential to make an informed decision, so that you don’t equate your higher education with higher interest rates!

How to Avoid Acid Rain

Acid rain is a popular phrase used to describe rain, snow, fog, or other precipitation that is full of acids that collect in the atmosphere due to the burning of fuels such as coal, petroleum, and gasoline. Acid rain was first recognized in Europe in the late 1800s but did not come to widespread public attention until about 1970, when its harmful effects on the environment were publicized. Research has shown that in many parts of the world, lakes, streams, and soils have become increasingly acidic, prompting a corresponding decline in fish populations. Acid rain occurs when polluted gases become trapped in clouds that drift for hundreds, even thousands, of miles and are finally released as acidic precipitation. Trees, lakes, animals, and even buildings are vulnerable to the slow, corrosive effects of acid rain.

Acidification, the process of making acid, is not just caused by deposits of acidic rain but also by chemicals in snow and fog and by gases and particulates when precipitation is not occurring. The major human-made causes of acid deposition are (1) emissions of sulfur dioxide from power plants that burn coal and oil and (2) emissions of nitrogen oxides from automobiles. These emissions are transformed into sulfuric acid and nitric acid in the atmosphere, where they accumulate in cloud droplets and fall to Earth in rain and snow, wet deposition. Other sources of acid deposition are gases like sulfur dioxide and nitrogen oxides, as well as very small particulates. These gases and particulates are usually deposited when it is not raining or snowing which is called dry deposition.

 While large areas of Europe and North America are exposed to acidifying depositions, only certain types of ecosystems are affected by these depositions. The most vulnerable ecosystems usually have a thin cover of soil, containing little calcium and sitting upon solid rock made up of hard minerals such as granite or quartz. Many freshwater lakes, streams, and rivers have become acidic, resulting in the decline or local destruction of some plant and animal populations. It is not yet certain that land-based ecosystems have been affected by acidic deposition. After acid rain was discovered in Europe, scientists began measuring the acidity of rain in North America. Initially, they found that the problem was concentrated in the northeastern states of New York and Pennsylvania because the type of coal burned there was more sulfur containing.

Acid rain is measured through pH tests that determine the concentration of hydrogen ions in a liter of fluid. The pH scale is used to measure acidity or alkalinity. It runs from 0 to 14. Water has a neutral pH of 7. The greater the concentration of hydrogen ions and the lower the pH number, the more acidic a substance is and the lower the concentration of hydrogen ions and the higher the pH number, the more alkaline or basic a substance is. So a pH greater than 7 indicates an alkaline substance while a pH less than 7 indicates an acidic substance. It is important to note that a change of only one unit in pH equals a tenfold change in the concentration of hydrogen ions. For example, a solution of pH 3 is 10 times more acidic than a solution of pH 4. Normal rain and snow measure about pH 5.60. In environmental science, the definition of acid precipitation refers to a pH less than 5.65.

Measured values of acid rain vary according to geographical area. When pH levels are drastically upset in soil and water, entire lakes and forests are endangered. Evergreen trees in high elevations are especially vulnerable. Although the acid rain itself does not kill the trees, it makes them more susceptible to disease. Also, high acid levels in soil cause leaching of other valuable minerals such as calcium, magnesium, and potassium. Small marine organisms cannot survive in acidic lakes and rivers, and their depletion affects the larger fish who usually feed on them, and, ultimately, the entire marine-life food chain. Snow from acid rain is also damaging; snowmelt has been known to cause massive, instant death for many kinds of fish. Some lakes in Scandinavia and New York’s Adirondack Mountains are completely devoid of fish life. Acid rain also eats away at buildings and metal structures. From the Acropolis in Greece to Renaissance buildings in Italy, ancient structures are showing signs of corrosion from acid rain. In some industrialized parts of Poland, trains cannot exceed 40 miles (65 kilometers) per hour because the iron railway tracks have been weakened from acidic air pollution. Usually, waters affected by acid rain are treated by adding limestone or lime, an alkaline substance (base) that reduces acidity. Fishery biologists especially are interested in liming acidic lakes to make them more habitable for sport fish. In some parts of Scandinavia, for instance, liming is used extensively to make the biological damage of acidification less severe.

While neutralizing ecosystems that have become acidic, treats the symptoms but not the sources of acidification. Although exact sources of acid rain are difficult to pinpoint and the actual amount of damage caused by acid deposition is uncertain, it is agreed that acid rain levels need to be reduced. Scientific evidence supports the notion that what goes up must come down, and because of public awareness and concerns about acid rain in many countries, politicians have begun to act decisively in controlling or eliminating human causes of such pollution. Emissions of sulfur dioxide and nitrogen oxides are being reduced, especially in Western Europe and North America. For example, in 1992 the governments of the United States and Canada signed an air-quality agreement aimed at reducing acidifying depositions in both countries. While countries in Western Europe and North American have actively carried out actions to reduce emissions of gases leading to acid deposition for a number of years, countries in other parts of the world have only recently addressed the issue. In Eastern Europe, Russia, China, India, Southeast Asia, Mexico, and various developing nations, acid rain and other pollution problems are finally gaining notice. For example, in 1999, scientists identified a haze of air pollution that hovers over the Indian Ocean near Asia during the winter. The 3.8 million-square-mile haze (about the size of the combined area of all fifty American states) is made up of small by-products from the burning of fossil fuels. Such a cloud has the potential to cool Earth, harming both marine and terrestrial life.

Pursuing Acca and Cima at Top Ranked University

Accountancy is one of the most popular professions which offer many opportunities in different fields such as auditing, tax consultancy, management consultancy, company secretarial services, financial management and so on. Accountants work in all business sectors such as private sector, public sector, banking and commerce.

Individuals can study at a higher education college or university for many of the specialized qualifications offered by the professional associations. There are various professional bodies in accountancy which offer internationally recognized qualifications, for instance, ACCA, CIMA, ICAEW and so forth.

Following are the most prestigious accountancy bodies which are widely accepted and recognized worldwide:

- CIMA (Chartered Institute of Management Accountants):
Founded in 1919 with over fifty centres worldwide, CIMA is the leading management accountancy body in the world. It comprises fifteen exam papers at four levels: Certificate Level, Managerial Level, Strategic Level and TOPCIMA (Final Test of Professional Competence in Management Accounting). Examinations are held twice a year (May and November).

- ACCA (Association of Chartered Certified Accountants):
Founded in 1904 and has examination centres in over 130 countries. ACCA students are now able to obtain a double qualification throughout their studies – (1) The ACCA Professional Qualifications, and (2) a Bachelor of Science (Hons) in Applied Accounting from Oxford Brookes University, a top new university in the UK. Examinations are held twice a year (June and December).

To attain a professional membership from the above accountancy bodies, students are required to pass all the association’s examinations and obtain a minimum of three years relevant training or approved work experience.

A wide range of study options are available to cater for the needs of all students. Students can choose from studying full-time, part-time by day-release, home study, distance learning, correspondence or a combination of these methods. Today many universities in the UK are offering professional accountancy program such as the ACCA and CIMA. However students may wish to pursue a degree in accountancy from a prestigious university and then apply for exemptions from certain professional examination papers.

Want to pursue a professional qualification at a top ranked university? Please visit the relevant guides for the latest university rankings and world university ranking information .

Human Papillomavirus

HPV (human papillomavirus) is commonly a sexual transmitted infection. There are about forty different types of human papillomavirus that can infect both men and women genital areas, including the vulva, skin, penis, cervix, vaginal lining, rectum, and even the anus. This virus can not be seen and most individuals who are infected with the virus hardly know that they actual have it. Most individuals with human papillomavirus never develop health problems or symptoms (Medscape Medical News, 2009). However certain type of human papillomavirus can lead to genital wart in women and men. Other types of human papillomavirus can result into cancer of the cervix as well as other unusual cancers like cancers of the vagina, vulva, penis, and anus. The types of human papillomavirus that lead to genital wart are different from those which cause cancer. Therefore types of HPV are frequently referred to as ‘high risk’ (cancer cervical causing) or ‘low risk’ (wart causing), depending on whether they expose an individual at danger of cancer. 90% of the human papillomavirus cases are naturally cleared by the individual’s immune system within the 2 years (OCF INC, 2009).This applies to both low risk and high risk types.

Life cycle of the causative agent

Generally, a virus has RNA or DNA genetic materials which are enclosed in the protein capsule. As a virus makes contact with an individual cell, it inserts its RNA or DNA materials in the host cell, after invading the host cell, it can therefore undergo lytic or lysogenic phase. Throughout the phase of lysogenic, this virus stays inactive in the cell and does not impinge on the host cell (Medscape Medical News, 2009). Host cell carries on with its normal functions, regardless of the virus invasion. However, the host cell is taken over by the virus during the lytic phase and utilizes this host cell in reproducing numerous viruses which as a result invade and infect more cells. At this lytic stage the genetic material of the viruses conquest the functions of the cell as well as controlling of the reproductive process (Hanissian, 1997). The host cell is then ordered by the viral heritable material to produce several copies of the viral RNA or DNA and proteins. Viral proteins are then assembled in the protein coats, and viral genetic materials (DNA or RNA) are packed within the coats. This leads to production of numerous viruses within the host cell. After completion of this viral reproductive process, the host passes on and the just produced viruses are unconstrained, thereby affecting more host cells (OCF INC, 2009).

Unlike bacteria, viruses can never be harmed, destroyed, or destructed by antibiotic. Though currently there is no cure to eradicate infection resulting from papilloma virus, warts and squamous intraepithelial lesions (SILS) can be treated. The methods used in treating SILS include convectional surgery, cold cautery, and laser treatment (Hanissian, 1997). Once an individual is infected by the virus, this human papillomavirus may become individual/organism for an indefinite period although it is not understood if the virus enters the phase of dormancy maybe for even decades, or if it’s destroyed by the immune system and invariable re-infection takes place.

Therefore, the life cycle of human papillomavirus is associated with the skin keratinocytes differentiation, with a primary infection only taking place in undifferentiated compartment of the epithelium as well as progeny of virus production in the terminally differentiated compartment only (Medscape Medical News, 2009).  Currently, little information is known about how the life cycle of human papillomavirus is restricted by the host cells to definite phases of skin cell growth. However, it was discovered that progression of the cell cycle via the process of mitosis is critical and at the same time crucial in establishing the HPV infection (Hanissian, 1997).

Current Control Methods

Testing individuals for HPV is the most effective methods of controlling this virus, more especially in the developing countries. Visual inspection and cytological testing are important in reducing the prevalence of cancer of the cervix and other human papillomavirus associated conditions (Lowy and Schiller, 1998). Therefore, the international experts in cancer of the cervix are trying to advocate for the HPV testing as away of controlling the virus. For example lack of human papillomavirus testing programs in most of developing countries has lead upsurge of the virus hence amplifying the incidence of cervical cancer and other unusual cancers caused by papilloma virus. The early detection as well as treatment of resulting lesions from the advanced cancer can lower greatly the invasive cancers and deaths emanating from the cervical cancer. The drawback of this method is that it is time consuming and expensive to many people especially those from developing nations (Medscape Medical News, 2009).

Another method which is currently used in an attempt to control the infection of human papillomavirus is vaccination. Vaccine, such as Gardasil and Cervarix are used in protecting against four strains of HPV that cause several cases of genital warts and cervical cancer. Center for Disease Control (CDC) in 2007 included Gardasil as part of childhood vaccines to girls aged between eleven to twelve in three doses, plus catch-up doses for women who had never been vaccinated previously and fall between the age of 13 and 26 (Lowy and Schiller, 1998). However, many health professionals are doubtful of the HPV vaccine, alleging that several materials supplied to them failed to appropriately substantiate the cons and pros of the vaccine. Some of the adverse side effects of getting this vaccine shot include headaches, nausea, fainting, or skin rash. High costs in accessing the HPV vaccine is one of the major drawbacks of this particular contort method.

Evidence of safety and efficacy of HPV vaccine

The final trial has established that a bivalent vaccine is extremely efficient at protecting against HPV strains 16 and 18. The vaccine which is produced by GlaxoSmithKline under the licensed name Cervarix was efficient at protecting individuals against cervical lesions linked to both strains16 and 18 of human papilloma virus together with lesions which were connected with non vaccine types, such as HPV-31, HPV-33, and HPV-45 Laura and Katherine, 2003). Also the three year follow up of women in HPV vaccine indicated that the Cervarix vaccine was, normally well tolerated, extremely immunogenic, and highly active against human papillomavirus infection as well as associated lesions.

A team from the University of Johns Hopkins found out the L2 fusion proteins vaccine produced substantial levels of antibodies against a number of human papillomavirus types (Lowy and Schiller, 1998).Though, they noted that L2 never induced antibodies against HPV -16 in comparison to other vaccines such as Cervarix, with application of adjuvants, such as alum, L2 will be able to induce the neutralizing antibodies against HPV type 16 infection. Clinical studies are needed therefore, to assess the immunogenicity and safety of alum-L2 formulation.

Choose MBA for High Salary Careers

The average starting salaries of top international business school graduates is no less than $100,000 dollars per year and the additional incentives. Though the average pay scale varies depending on the detailed job profile, it is business and financial analysts that are amongst the highest paid career options and management breaches considering the revival in the international economies around the globe. Business and financial analysts examine and evaluate various business opportunities, investment risks and provide effective, workable suggestions to the top management.

Worldwide businesses are facing complex and continually changing scenarios that increase the need to rely on management consultants to allow them stay competitive amidst the changing times. Management consultants also known as management analysts are responsible for analyzing and proposing the ways to improve an organization’s existing approaches and techniques to attain a competitive advantage.

They suggest modifications in organization’s structure, processes and approaches for efficiency, which is ultimately reflected in bottom line margins. Both, public and private sector firms rely on Consulting MBAs for a variety of reasons. At times, they lack internal resources required to supervise a project, while at other times, they need Consulting MBAs expertise to chart out what resources shall be required and what problems can be faced if they pursue a certain approach or opportunity.

Consulting analysts are capable of handling company’s highly confidential and crucial data such as annual revenues, financial structure & sourcing, employment details, expenditures, operational processes, firm’s assets, financial liabilities etc. They closely analyze industry trends, competitor’s records and trade information and develop recommendations based on the nature of the organization, the relationship it has with others in the industry, international organizations, the governmental bodies, and the internal culture. Insight into any arbitrary problem is achieved by building and solving proven mathematical models, such as one that shows inventory level affect costs and product delivery times.

In addition to this, the responsibilities of seasoned and senior consultants also involve identifying issues and forming hypothesis and ensuring that the client receives the assistance needed to implement the recommendation or suggestions provided.

The high riding businesses of client companies are based on the strategies laid by the consulting MBAs. Since these high value creators address the most critical challenges to transform a business’ bottom line, no wonder they are one of the highest paid careers of the world followed by medicine and medical research.

About Noida International University

Education is one of the important elements in India attracting students from all over the world. Day by day, the number of institutions is increasing in every part of the country, and Noida is one of the fastest growing in New Delhi NCR. Noida is expanding in every sector be it BPO, business or jobs, and especially in education sector. Noida has a large number of institutes providing career growth to students and one of the leading Universities is Noida international university in Uttar Pradesh.

The university is a non-profit institution started with a motive to revolutionize the learning experience. This University in Noida is spread in the area of 75 acres with eco friendly environment. It is the one university, which focuses on interactive teaching with latest technology. It focuses on an innovative curriculum after intensive research to provide best learning experience.

The Noida international university (NIU) has an edge on every subject by offering educational programs based on US universities syllabus. It offers degrees and diplomas in subjects of business management, design and architecture, journalism and mass communication, engineering, nautical science, hospitality, personality development programs, visual and performing arts and paramedical sciences. It has an environment suited for a quality education. Students have a wide variety choice of different courses.

NIU has made sure to make available excellent facilities to all the students. Worth appreciating amenities provided by the university count in auditorium, Wi-Fi, broadcast equipments and electronic library. It also has state-of-the-art labs, libraries, knowledge center. For distant students, the arrangement of hostel facility is made by the university equipped with all modern facilities.

It offers concessions based on the domicile wards of police or defense forces, below poverty line and various scholarship to students. It provides sessions on mock in-flight classroom, music and video libraries, and extra curricular activities for the dynamic development of students. This university in UP share healthy relations with international universities, which provides an opportunity for dual degree and the chance of national placements with international placements to those who score good percentage.

The education programs offered by Noida international university is of academic excellence reflecting the high quality of the faculty and the students, the depth and breadth of curriculum and co-curriculum emphasizing personal growth and development, the enhanced facilities and learning resources. It has facilities that would make their students much comfortable during their stay in the University. The university offers a serene environment conducive to teaching/ learning processes.

This University of Noida has opened wide employment opportunities for different post. After earning diploma or degree from the university the students can enjoy lot of opportunities in their career.

Besides education, it is supporting in yielding global reputation and garner the Indian talent to meet and justify the growing demands of the industries and corporate sector, globally. 

Education is all about creating an environment of academic freedom, where bright minds meet, discover and learn. One would experience top of the world living and learning experience at Noida international university.

Human Rights Violations in Brazilians Shanty Towns (Favelas)

Shanty towns in Brazil experience everyday human right violations including immorality, injustice, corruption, and frequent eruption of appalling violence which impacts negatively on the citizens living in the favelas. The difficulties shanty town dwellers are facing in Brazil emanate from the corrupt bureaucracy that hinders individual initiative. The inability of the Brazil justice system to enforce law fairly and universally, the frequent public delivery inefficiencies, together with poor facilities in public school are among the issues familiar to shantytowns in Brazil.

Living Conditions

These Brazilian’s shanty towns are mainly located in terrible areas, such as steep hills or flooded areas. Houses in these towns are made of anything ranging from woods, cardboards, plastics to tins. These fevalas are highly congested with numerous houses with no substantial means of sanitation thus poor hygiene that pose high danger of spreading diseases, such as tuberculosis, typhoid, diarrhea, and cholera. With no established health care systems in these towns infections like cholera and diarrhea can actually kill the slum dwellers, and due to close proximity of houses, diseases can spread quickly and very easily thereby killing several people in a short period of time (Slideshare, 2009). Open cesspools, inadequate sanitation, and hips of rubbish littered everywhere on the streets impose added risk of disease infestation to the people living in these places.

Many children in these fevalas frequently work as away of providing money to their families, as a result these children have no time and opportunity to attend schools in order to receive formal education. They start working at a very tender age and shun schools, making cash from washing cars or shining shoes (Slideshare. (2009). Children living in the streets found themselves working in drug dealing, prostitution or even organized crimes. These young children wander the streets, collecting foods from the garbage dips together with doing anything in their mind to earn a living. Most of these street kids therefore make a living by shining shoes, washing cars, selling goods, or by stealing. The study carried out has shown that approximately twelve million children from Brazil’s shanty towns are forced to work in expense of attending schools to acquire formal education. These street children in felavas have no other option but to live this way as they lack parents or guardians to cloth and feed them.

Employment is another problem in these felavas and is very dissimilar to that of developed countries (Thesaurus, 2009). Here people especially men work for very long hours daily, but earn peanuts. Most of these employments are informal and an employed individual work with no signed contract, low paid, no lay down working hours, and employees are not given retirement benefits or pensions. Work is mainly found in the cities, which are near the fevalas and men go to work daily as women remain behind to take care of the family. Occasionally the father will leave behind his family in the shanty town to look for a well paying job somewhere, thereby sending money to his family back in the fevalas (Good Blood, 2009). However, due to the size of the family more money is usually needed to sustain the needs of the family, therefore children at age of above ten will be forced to work in order to boost the earning of the family.


Recently, Amnesty international has discovered of families which are obligated to live and bring up their kids and at the same time fight for justice in the lawless shanty towns of Brazil. The reality for many families in Brazil’s shanty towns is disastrous. There are several police violence and victims of criminal which have engulfed the justice of these communities over the years. Distant from their duty of providing protection to the community, police in these fevalas often subject families to unlawful searchers, obnoxious rules, and use of prejudiced languages together with intimidation (Davis, 2006).. For instance, women who demand for justice on behalf of their husbands and sons end up in hands of police, facing additional threats as well as harassment. In absence of government laws and regulation in these shanty towns, gang leaders and drug lords become the law in the most of fevalas (Slideshare, 2009). They protect and dispense punishment and exploit, use, or utilize women as bargaining tools. The unplanned effects of violence and crime echo through the whole communities, ruthlessly distressing the provision of essential services, such as education and healthcare. If local hospital, clinics, or health centers fall inside the territory of an adversary gang, families can be strained to trek long distances in search for doctor’s service. Maternity services, schools, and crèches can remain closed for a number of days due to criminal violence or police operations. Teachers and healthcare workers are frequently so scared to carry on with their duties in crime-thorn neighborhoods (BBC, 2009).


Since Brazil became an independent nation there has been several social injustice, division among the different social classes, with a small number of minority group exercising power over economic and political life (Thesaurus, 2009). Brazil possesses one of the most unequal societies in the world, where the richest one percent population earns twelve percent of the total income of the nation, whereas the poorest fifty percent earns a mere ten percent. Although, there is no tangible geographical map to show the distinction existing between shanty town dwellers and those living in fantasy, there are 2 Brazils inhabiting the similar space and living alongside (Davis, 2006).

Drugs and Arms Trafficking

Drug trafficker in Brazil shanty towns have over the years grown rich from this trade, and have organized themselves into several groups referred to as ‘commands’ that are efficiently governing various slums or felavas in Brazil. The phenomenon is broad that traffickers have become acknowledged as comparable power perhaps defeating the government in governing the lives of Brazilians living in felavas. The Brazilian government has never provided basic needs or governed the felavas. Poorly paid police interrelate with rich drug dealers (Davis, 2006). Military police that typically carry out sweeps of the felavas has a major problem of corruption. Much felony in these felavas is associated with military police, they are implicated in extortion and drug trafficking (Good Blood, 2009). Residents of these slums prefer living under drug traffickers rules than being under the police abusive rules. Arms trafficking goes hand in hand with the drug trafficking and the same people who deal with drugs in these shanty towns are the ones who take part in arms trafficking. This business has exposed the residents of felavas to risks of robbery with violence, murders, and even abductions, as many families live in fear of being attacked by organized gang.


Obama Sends Mothers Back to School and Pays for it Through Scholarships and Grants – Apply Now!

Recently, President Obama signed legislature to aid and assist any American mothers who aspire to enroll in a higher learning institution.

As the nation’s staggering unemployment rate continues to approach ten percent, nearly all Americans have turned an eye toward their future. Most wonder, “how am I going to get out of this?”

In particular, more single mothers than ever feel that their financial hardships would be alleviated if they acquired the skills to get a better paying job.

Unfortunately, with the cost of living – and everything else – rising, not to mention the cost of raising a child, some mothers can’t even afford local community college. Mothers who would otherwise be students are also hampered by rising tuition costs.

The Obama administration now offers Pell grants in the amount of $5100 to any mother in America. All she has to do is pick a college or university, fill out a FAFSA and she’s eligible for the Pell grant, which never has to be paid back.

As jobs become more specialized and skills considered obscure just ten years ago are now practically prerequisites, there is a sense of desperation and helplessness that pervades the thoughts of many Americans regarding their futures.

Hopefully, this program can serve a a source as hope to those in a tough financial situation who dream of acquiring a better position in life.

Combined with a plethora of pre-existing grants and scholarships available for women, mothers or just ordinary people with low-incomes, Obama’s program should lend a helping hand to some of America’s lowest-paid workers.

IIM Lucknow Placements 2011: 528 job offers to 366 students

The final Placements of IIM Lucknow have been concluded with 100 per cent placements. The B School Placement 2011, has received total 528 offers for the batch of 366. IIM Lucknow mentions that by far, this is the largest graduating batch to be placed across all IIMs. Among the offers made, there were 70 Pre Placement Offers (PPOs), 213 lateral offers and 245 offers in the Placement week.

A total of 206 companies participated in the placement process. Out of them 53 companies were first time recruiters. Among the key recruiters were Accenture, Avendus Capital, Capgemini, Citibank, Kraft Foods Cadbury, Deloitte, Deutsche Bank, Ernst & Young, Hindustan Unilever, ITC, KPMG, McKinsey and Co., PricewaterhouseCoopers, Procter & Gamble, Tata Administrative Services and The Boston Consulting Group.

The key sectors in which the Top B-School Placement 2011 took place were Consulting, Finance, Sales and Marketing, IT and Telecom industry. IIM Lucknow Placement saw 82 recruitments in the Consulting sector. Some of the notable firms making the offers for the Top B-School Placement 2011 were Accenture, Cognizant Business Consulting, Deloitte, Ernst & Young, Headstrong, KPMG, McKinsey and Co., PricewaterhouseCoopers, The Boston Consulting Group and Virtusa among others. Aon Hewitt also offered roles in HR Consulting during the B-School Placement.

In the Finance sector, the key recruitments took place from Banks and Financial Sector firms. The positions offered by the sector during IIM Lucknow Placement were in Investment Banking, Proprietary Trading, Treasury, M & A and Global Risk Management to name a few. Prominent financial firms in The Top B-School Placement 2011, include Amex, Avendus Capital, Axis Bank, Baring Private Equity Partners, CRISIL, DBS, Edelweiss, Futures First, Goldman Sachs, HSBC, HDFC Bank, ICICI Bank, ICICI Prudential, IIFL, Indus Valley Partners, JM Financial, JP Morgan, Karvy, Kotak Wealth Management, Nomura, SBI Capital, Standard Chartered and Yes Bank among many others.

In Sales and Marketing sector, Asian Paints, Aviva, Britannia, Castrol, Dabur, GSK Consumer, Hindustan Unilever, ITC, Johnson & Johnson, Kraft Foods Cadbury, Marico, Nokia, Pepsi, Procter & Gamble, Ranbaxy, Raymond and Reliance among others. Conglomerates such as Adani Group, Aditya Birla Group, Mahindra & Mahindra, Jindal Group, Larsen & Toubro, RPG and Suzlon were prominent recruiters, during the B-School Placement. Asian Paints, L’Oreal, Olam International, Philips and Target offered lucrative Supply Chain Management profiles.

Firms in the IT sector that offered roles in IIM Lucknow Placement were iGATE, Infosys, MindTree, Wipro and TCS among others. Recruiters in the Telecom industry are the top companies in the sector such as Aircel, Bharti Airtel and Vodafone.

Among the 53 first time recruiters, the Top B-School Placement 2011 also saw the companies including Amazon, BMGI, Bloomberg, Comviva, Coromandel, Deutsche Post DHL, Ford, Fujitsu Consulting, Google, HP, IndusInd Bank, JFS, Lenovo, Microsoft IDC, Nereus Capital, Panasonic, Planet M, Star CJ, Subros, Tally Solutions and The Nielsen Company among others.

Stay tuned to for more Placement 2011 Reports.

What Kind of Training Do You Get at Beauty Schools?

If you are considering attending one of the thousands of beauty schools across the country, you might want to look into what kind of training you will get before actually applying. Many beauty schools charge a fee to apply, and not all of them offer students the same type of training. For example, one of the pricier beauty schools in California does not offer training in esthetics, cosmetology or nail technology. Instead, the focus is entirely on makeup artist training.

To find something like that out after shelling out a $45 application fee to a school you thought offered training in all areas of beauty would grate on anyones nerves. This is why its crucial to know exactly what each of the beauty schools you apply to have to offer, as well as any specific areas of expertise the school may have.

For example, the aforementioned school would be a great choice if all you want to do is work with makeup. If your dream is to be the makeup artist to the stars, prepping them for photo shoots and movie sets, theres really no need for you to learn how to properly perm long hair.

However, if youre looking for a better rounded education, so that you are capable of doing just about anything in the world of hair, makeup and nails, a makeup school will not be enough. Instead, you might want to choose from the many beauty schools that will teach you everything you need to know.

At most beauty schools, the education you will receive in the world of esthetics is fairly comprehensive. For example, in order to graduate from many beauty schools, you have to complete a set amount of hours in various areas (including hair styling, nail technology, makeup application, etc.).

In the hair department, youll learn how to cut different types of hair using several techniques. Once you have the cutting part mastered, youll learn how to color and perm it. From using a frosting cap to highlighting using foils, beauty schools teach it all. Finally, you will develop a portfolio of pictures that feature your styling work, complete with up dos.

Because hair is only a part of the training you get at beauty schools, you will also have to spend a lot of time working with nails and makeup. Before graduating, you will learn the ins and outs of working with real and artificial nails, as well as how to apply makeup for any occasion.