Student artwork for sale #student #artwork #for #sale

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The theme of the exhibition is Body and Physicality in the Works of Emerging Artists. Look What Young Emerging Artists See. Explore the concept of body in the works by Grażyna Ochowiak (Poland), Henny Perkins (Germany), Dagmara Rybak (Poland), Diana Dragoman (Romania), Krystsina Lukyanchyk ( Belarus), Marya Camenzuli (Malta), Ed Schaap (Netherlands). This is a [ ]

Dear Art Lovers! Dear All who can help! Student Artworks Foundation is looking for support. We invite sponsors and donors to cooperate with us You can be sponsor of our events like exhibitions and auctions of young art. And please keep in mind that we don t need a fortune We appreciate every help and donation. [ ]

We are glad to present the results of the art contest WOMAN OF THE TWENTIES . 1. Alchemia by Grażyna Ochowiak Acrylic; Canvas; 80 x 120 cm; 2016 2. Femme Fatale by Dagmara Rybak Acrylic; Canvas; 100 x 40 cm; 2016 3. SHH by Marya Camenzuli Ink; Paper; Drawing; A4 4. Woman of the twenties [ ]

ATTENTION!

FOR STUDENTS

  • Commission free gallery of young artists from around the world
  • Create your own free artist’s profile including portfolio and biography
  • Unlimited space for your artworks for free
  • SAF introduce your name and your art to the wide audience
  • SAF promote young artists online and also by organizing exhibition, auctions and other special events
  • Be a part of the community which integrate everyone who loves art world wide

Register as student

FOR GUESTS

  • Purchase art of emerging young artists whose name can sound loud in the future
  • Discover art of young artists – students and graduates from art schools around the world
  • By joining us you will receive invitations to events organized by us to our world wide audience
  • Became a part of community which integrate artists, critics, collectors and everyone who loves art world wide
  • Share with friends art and follow artist you like
  • You can negotiate the price

Register as guest

SPONSORS

CONTACT US

The Student Artworks Foundation is registered in the National Court Register (Krajowy Rejestr Sądowy), Register of associations, other social and trade organisations, foundations and public health establishments under the number KRS 0000469850. The registration was carried out by the Regional Court for Wrocław-Fabryczna in Wrocław, VI Trade Division of the National Court Register, (Sąd Rejonowy dla Wrocławia-Fabrycznej we Wrocławiu, VI Wydział Gospodarczy Krajowego Rejestru Sądowego).

© 2014 Student Art Works Fundation. All Rights Reserved.





13/10/2017

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Credit Card Debt Consolidation Companies #credit, #card, #debt, #consolidation, #loan, #student,

#

Credit Card Debt Consolidation
This site is a quick and easy way to find out information about consolidating credit card debt. If you are searching for a company to help you consolidate unsecured debt (such as credit cards), we can help you find the popular online companies that offer these services.

Credit card debt consolidation is a fairly simple process, but it does take some time. It is a process that is perfectly suited for doing online. The companies that we list on these pages all specialize in debt consolidation and are all reasonably well known.

We don’t perform credit card debt consolidation, but we can tell you the top companies that do.

Free Debt Consolidation simple debt consolidation service, not a loan, they actually reduce your interest and payments.

DebtWave do you have past due bills? Get a free debt help quote and work to get debt free.

DebtWave can help with your debt problems.
DebtWave have helped many people settle their debts, avoid filing bankruptcy and build strong and secure futures. With their debt settlement system, they will negotiate on your behalf to actually reduce your debt allowing you to make your payments.

If your credit report is all messed up, you need to get it fixed. You can either try and fix it yourself or find a company to help you out. Lexington Law are experts at correcting bad reports.
Find out more .

Check out our entire list of debt consolidation programs.
If you have too much unsecured debt, you can consolidate your current debts with home refinance and relief programs, but be careful before you guarantee your home for past unsecured bills.

Credit Card Debt

DebtWave will help you regain control of your unsecured debt. A popular choice.

If you just need a little help making it to the next pay check, applying for a short term loan online may help by providing you with a fast and convenient solution. It can be done 100% online, with approval in minutes, and you can have your money fast.

It takes just a few minutes to apply for a payday loan online. You can get a fast approval notice, but they are pretty expensive in fees and interest.

Short term loans can be a fast and effective solution to your short term financial needs. Be sure to check all costs and compare your options.

Need help budgeting your money? Try Mvelopes Personal.

Before you enter into a consolidation program, make sure you get all the information on the risk factors to avoid.





05/10/2017

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Important Downloads #student #exchange, #student #exchange #australia #new #zealand, #overseas #student

#

Adelaide: 6 Sep 7:30PM – Adina Apartment Hotel Adelaide Treasury, 2 Flinders Street, Adelaide

Ballarat: 7 Sep 7:30PM – Ballarat Golf Club, 1800 Sturt St, Ballarat

Bendigo: 9 Aug 7:30PM – Bendigo Library, Activity 1 Room, 259 Hargreaves Street, Bendigo

Brisbane: 10 Aug 7:30PM – Brisbane Square Library, Community Meeting Room, 266 George Street, Brisbane

Cairns: 18 Oct 7:30PM – Cairns Library, Meeting Room, 151 Abbott Street, Cairns

Canberra: 11 Oct 7:30PM – ibis Styles Canberra, 203 Goyder St, Narrabundah, ACT

Darwin: 5 Oct 7:30PM – Adina Apartment and Vibe Hotel Darwin Waterfront, 7 Kitchener Drive, Darwin

Geelong: 11 Oct 7:00PM – Belmont Library, 163 High Street, Geelong

Hobart: 5 Oct 7:00PM – Rosny LINC (behind Service Tasmania offices) Bligh Street ROSNY

Melbourne: 14 Sep 7:30PM – ibis Melbourne Hotel and Apartments, 15-21 Therry Street, Melbourne

Perth: 7 Sep 7:30PM – Adina Apartment Hotel Perth, 33 Mounts Bay Road, Perth

Sydney: 13 Sep 7:30PM – Adina Apartment Hotel Sydney, Cnr Kent Bathurst Sts, Sydney CBD

Townsville: 19 Oct 7:30PM – Arcadian Surf Lifesaving Club, The Strand (opposite the Rockpool), Townsville

Wollongong: 7 Sep 6:30PM – Wollongong City Council, Central Lending Library, Ground Floor, 41 Burelli Street

On Demand 24/7 Info Sessions

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Downloads and Forms

For best results, first save these files to your own computer by right-clicking on the link, then selecting ‘Save Target As..’.

Many documents offered here are in PDF format. To view them it is recommended you download and install Adobe Acrobat Reader .

Please contact us on 1300 135 331 (Australia) or 0800 440 079 (New Zealand) if you are looking for the USA application form.

Student Application Form

Everything you need to get started including hints on how to apply and a checklist of items to be included.

Please note if you are applying for the USA or the 2WayExchange program you are required to complete a different application form.

The 2WayExchange application form is located on this page.

Please contact our office for the USA application form.

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2017-2018 Price Sheet

Program price sheet for all programs departing from April 2017- March 2018.





23/09/2017

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Find And Compare Student Travel Insurance #flights #and #hotels

#student travel insurance
#

Student travel insurance

If you are a student planning a long summer trip abroad, or even a gap year between studies, then insurance is probably the last thing on your mind. But travel cover is essential whether you are heading to Europe for a few weeks or venturing further afield for several months.

Of course, you might think you can set off without student travel insurance, especially if you are young and fit with few valuables in your back pack. But could you really afford to replace your iPod, camera and holiday cash if they were stolen? And remember that medical treatment abroad can run into hundreds of thousands of pounds.

Do I need an EHIC?

Anyone travelling within Europe should apply for a European Health Insurance Card, which entitles the holder to the same emergency care as a local resident. But the EHIC is not a substitute for student holiday insurance, as local care is not always free and not always of a high standard. The EHIC also does not cover repatriation to the UK in a medical emergency.

You can apply for the card online at www.ehic.org.uk. or by calling 0845 606 2030.

Check the levels of cover

It’s not always easy to work out how much cover you need. But MoneySupermarket recommends that your student travel insurance should include medical cover of at least 2m, in case you fall ill while you are away. You should also make sure your insurance includes the cost of an air ambulance in case you need to be flown home.

Personal liability insurance of 1m is essential. Plus cancellation and curtailment cover of at least the value of the trip. Insurance for your baggage and personal belongings will pay out if, for example, your backpack is lost, stolen or damaged. But check the single item and valuables limit as most firms cap the amount that you can claim for one item. There will also be a limit on the amount you can claim for lost or stolen cash.

Catastrophe cover protects travellers against the financial repercussions of a disaster such as the recent volcanic ash clouds. It’s also sensible to find a policy that includes end supplier failure in case the airline or travel company goes bust.

Travel insurers offer European or worldwide cover. European cover is typically cheaper, but you should always check whether your destination is classed as European as definitions can vary.

Single trip or annual cover?

Students can usually buy single trip or annual travel insurance. As its name suggests, a single trip policy covers just one trip, usually up to a maximum of 31 days. If you buy an annual policy, you can go away several times in any one year without having to arrange insurance each time. It’s worth comparing prices for both types of policy, but as a general rule, if you plan two or more trips a year, or you are heading long haul, then an annual policy usually works out cheaper.

Gap year travel insurance

If you are planning a gap year, you will need a policy that lasts as long as your trip. A variety of insurers offer cover for backpackers and it can run for a year or more. You should also check that your policy covers every destination on your journey, even if you are only passing through.

Extreme sports

Many students undertake extreme sports or adventurous activities while they are away. Of course, they are great fun, but they can also be risky, so it’s essential that your policy will pay out if you have an accident while you are white water rafting or wrestling with alligators. You will find a list of insured activities in the policy documents, but if in doubt, ask your insurer.

Working abroad

Some travellers work while they are abroad, perhaps to help fund the trip. Gap year travel insurance typically covers employment overseas, but manual work is often excluded. Again check with your insurer if you have any questions. Many insurers will also allow one or two return trips home under your policy, which can be useful if you get homesick, or perhaps need to break off from your travels for a family wedding or other occasion.

Take care of yourself

It’s important to remember that a student travel insurance policy is not a licence to go mad: you still have to take care of yourself and your possessions. Few insurers will, for example, pay out if your bag is stolen from the beach while you are supping in a nearby bar. And talking of bars, insurers can refuse to pay a claim if you were under the influence of drink or illegal drugs at the time of the incident.

Save money on student travel insurance

Probably the easiest way to cut the cost of your student travel insurance is to compare prices. MoneySupermarket’s free independent comparison service can help you to find the best policy at the best price – all within minutes.

Student travel insurance can cost less than 10 for a single trip in Europe. But remember that the cheapest policy is not necessarily the best as the cover could be patchy, or the claim limits could be low. It’s also worth finding out about the excess, which is the amount you have to pay towards each claim. You often pay a lower premium if you agree to a higher excess. But if you can’t afford the excess, why bother with the insurance?

Essential documents

Insurance is not the only essential travel document. You should also make sure you have a passport that is valid for at least six months beyond your return date, plus any necessary visas. You can get advice from the Identity Passport Service website. or call 0300 222 0000.

Always keep your passport safe and make a note of the number, date and place of issue in case it is lost or stolen. It’s also a good idea to take with you a back-up form of identification, such as a driving licence.

Tips for a successful trip

Visit your GP as soon as possible so that you can organise any jabs or stock up on malaria tablets. If you are taking any prescribed medicine with you, make sure it is legal in the countries you plan to visit. And always keep it safe and in its original packaging.

Set up a secure email account so that you can regularly keep in touch with friends and family.

Book your accommodation for at least the first night to give you time to familiarise yourself with your new surroundings.

Stay away from drugs as the penalties for the possession or supply of drugs can be harsh in some countries.

Wear a high factor sun screen and avoid over exposure to the sun, especially during the middle of the day. And drink plenty of water.

Stomach upsets can ruin a holiday, so take sensible precautions. Find out if the local tap water is safe to drink and check that all food is properly cooked.

It’s a good idea to take condoms with you because they are not always readily available abroad and might not meet British quality standards.

What to pack

  • Keep clothes and valuables to a minimum but try to find space for the following items in your luggage:
  • First aid kit
  • Mosquito net
  • Insect repellent
  • Water bottle
  • Water purification tablets
  • Universal adaptor
  • Travel plug
  • Wet wipes and hand gel for hygiene
  • Travel sewing kit
  • Small padlock
  • List of useful contact numbers

To compare travel insurance for students click on the link below or hit the button at the top of the page. Compare student travel insurance





22/09/2017

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IUPUI Registrar – Course Offerings #iupui, #registrar, #student #records, #records, #iupui

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Office of the Registrar

Course Offerings

The list of scheduled courses offered at IUPUI for a given term is typically released one month prior to the beginning of priority registration. Spring courses are available in October, Fall courses in late January or February, and Summer courses in December.

Viewing Course Offerings via One.IU:
A real-time display of course availability and the open or closed status of individual classes is publicly accessible from One.IU using two different search tools – the SIS Class Search and the iGPS Course Search. Both tools offer a variety of filtering options to narrow search results.

  • SIS Class Search
  • 1. Navigate to: one.iu.edu .
  • 2. Click in the Search box and type schedule of classes and press ENTER.
  • 3. Click the schedule of classes task icon
  • iGPS Course Search
  • 1. Navigate to: one.iu.edu .
  • 2. Click in the Search box and type search courses and press ENTER.
  • 3. Click the Search Courses (Public) task icon

Course Listings By Department
If you are accustomed to reviewing the list of classes by subject that has historically posted on this website, please know this information is still available to you through the Class/Course Search tools above.

Using SIS Class Search.
Select the Institution, Term, and Course Career. Then insert the Department Code listed below that corresponds with your area of interest into the Course Subject field within the Class Search page. Click Search.

Using the iGPS Course Search :
Select the Campus. Degree Level. and Term Offered. Then enter the Department Code listed below into the Search field and click GO.





21/09/2017

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Man and Van Salisbury Removals – Phone 07956 116522 #man #and

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Your Reliable and Dependable local Man Van Service

We are an independent well established Man and Van Service based in Salisbury,Wiltshire.

We are well known locally for ourreliability and professionalismhaving carried out removals collections and deliveries to both residential and business customers over many years in Salisbury, Wiltshire and Surrounding Counties.

Local or Long Distance – Home or Business

Telephone – 07956 116522

Collections Deliveries
(single items to full van Loads)

Rubbish Clearance (We Are Licenced Waste Carriers)

House Clearance
(Full or part house, shed /garage / outbuildings)


Man and Van Salisbury is an independent established family run business based in Salisbury, Wiltshire. We provide an economical and practical solution for your Small House Removals and Small Move needs to anywhere in the mainland UK.

We carry out door to door collections and deliveries for multiple or single items, including store pick ups, auction and sales-room collections, antiques furniture deliveries and eBay collections deliveries.

We always aim to deliver a professional safe and reliable man and van service transporting goods for domestic and business clients including relocating students, doctors, nurses and military personnel.

Our Man and Van Services –

Small Removals Service (Light removals – 1 / 2 bed house- Man and a Luton Van – Ideal for customers moving home, relocating or transporting personal possessions.)

Option 1 – Driver and Van Only (The customer family / friends carry goods to and from the van, the driver loads and unloads the van from the van)

Option 2 – Van and Working Driver
( Driver assists customer with loading and unloading of the van)

Option 3 – Van and Working Driver / 2 Men(We do all the carrying, loading and unloading of the van)

*Multiple Vans and Porters available for larger moves.

Collections and Deliveries Carried Out Locally

Single Items to Full Loads.

Rubbish Clearance (We are registered and licensed Waste Carriers)

Removals Tips Advice – Avoid Scams

Man and Van Salisbury is based in Salisbury, Wiltshire – Confirmation of orders and invoices will have our letter head with full address details on them. the reason we do not display our full details is because of the constant sales calls and spam emails that we receive each day.





20/09/2017

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Australia Student Travel Trips #japan #travel #guide

#student travel australia
#

Australia Expedition

With roughly the population of metropolitan New York City and the landmass of the continental United States, Australia is the most sparsely populated continent on the planet after Antarctica. Its isolation for millennia allowed unique ecosystems and cultures to thrive. Explore rain forests, deserts, and the world’s largest coral reef, observing and documenting fascinating wildlife along the way. Meet members of the Aboriginal community— the world’s oldest living culture—which settled here more than 50,000 years ago. Experience Australia through the lens of your On Assignment project: Photography or Wildlife Biodiversity.

+ CLICK TO MAP TO ENLARGE

Sydney

The expedition begins with an orientation in the vibrant coastal city of Sydney. Break into teams to begin working on your On Assignment project. Browse a photo exhibition at the State Library of New South Wales, explore the lively Rocks district, and take in spectacular views of the iconic Sydney Opera House and Harbour Bridge. Attend a game of rugby or Australian rules football, or go surfing at Manly Beach. Meet your first koalas and kangaroos at the famous Taronga Zoo, or visit the Sydney Aquarium to get acquainted with the marine life you will encounter on the Great Barrier Reef.

Uluru and the Outback

Days 6-10

Fly from Sydney to Alice Springs and begin your journey through the Outback towards the largest monolith on Earth, Uluru (also known as Ayers Rock). Steeped in mythology, this colossal piece of sandstone rises abruptly from the desert plain. Trek between the giant rounded domes of the adjacent Kata Tjuta on the lookout for bright green ring-necked parrots. Visit an Aboriginal community at Wallace Rockhole for a guided tour through ancestral lands, and learn about the traditional craft of dot painting before trying your hand at the art form. Plunge into the cool and refreshing waters of the Ellery Big Hole, examine ancient rock art and medicinal plants, and listen to Dreamtime stories told by our Aboriginal guides. Through the lens of your camera, use the barren landscape to practice working with depth of field, and spotting dingoes, red kangaroos, and majestic wedge- tailed eagles that inhabit this otherwise still scene. Set up camp in the bush, help collect firewood and prepare dinner, and sleep under the stars. Spot the Southern Cross and Scorpio, and learn a whole new set of Southern Hemisphere constellations.

Queensland and the Great Barrier Reef

Days 11-20

I loved visiting such a wide variety of environments—from the outback to Sydney to the reef to the rain forest— and had such unique experiences in each one.

Heather M. Australia, 2015

Fly to the northern Queensland city of Cairns, and transfer to Port Douglas, our hub for exploring the Great Barrier Reef. Set out on a private boat for a two-day snorkeling adventure with marine biologists. Anchor at the outer reef and snorkel along brilliant fields of coral. Spot sea turtles, giant parrotfish, harmless reef sharks, and maybe even a migrating humpback whale. Gain insights about the reef from the marine biologists on board, and learn about the threats to this unique ecosystem and the efforts being made to protect it.

Back on land, head north into the 125 million-year-old Daintree Rainforest. Hike through the lush vegetation to see cassowaries, crocodiles, tree kangaroos, and other endemic wildlife. Spend the night in a jungle lodge and encounter the native species of the surrounding rain forest, wetlands, and reef.

Wind down on the coastal side of the park on the white-sand beaches of Cape Tribulation. Explore a mangrove habitat where the jungle meets the ocean and kayak along the reef. Trek out to the farthest point of the cape in search of whales and other marine life passing by. Return to Cairns for the final night and present your On Assignment project to the rest of the group. Celebrate your adventure with your fellow participants before flying home.





09/09/2017

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A College Student s Financial Success key #best #cheap #vacations

#cheap airfare and hotel
#

A College Student’s Financial Success key

Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





07/09/2017

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A College Student s Financial Success key #travel #to #thailand

#hotel flight deals
#

A College Student’s Financial Success key

Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





07/09/2017

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A College Student s Financial Success key #william #shatner #travel

#flight hotel deals
#

A College Student’s Financial Success key

Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





07/09/2017

Posted In: NEWS

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Leave a Comment

A College Student s Financial Success key #his #travel

#flight hotel deals
#

A College Student’s Financial Success key

Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





07/09/2017

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Calculators and Tools to Pay Off Student Loans #how #to #check

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Ready to pay off your student loans? We thought so.

Ready to pay off your student loans?
We thought so.

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We leverage the most up-to-date technology stack available and regularly update our servers with security updates and improvements.

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Student Loan Hero is the guide that Andy never had. So we created it for you. Inside, you’ll be walked through simple steps to save you 1,000s of dollars and 100s of hours.

Join over 150,000 people already using Student Loan Hero. Free forever!





07/09/2017

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Tech Credit Union #tech #credit #union, #tech #cu, #credit #union, #banking,

Tech Checking

Tech Checking gives you the features you expect, plus online and mobile banking services to help you manage your account from anywhere, anytime.

Secured Checking

If problems with NSF (Non-Sufficient Funds) fees have caused you to be listed in ChexSystems, you know getting a new checking account can be extremely difficult. And without a Checking account, you re forced to use budget-draining payment services like money orders or retail currency centers. Tech CU Secured Checking is designed to provide basic checking services to those who want to make an honest effort to manage their finances and take control of their money.

  • Free box of Tech CU security checks.
  • Tech Check Card (Visa debit) is available.
  • Free Tech Debit Alerts .
  • Free 24-hour account access via Online Banking Mobile Banking .
  • View and print images of cleared checks in Online Banking.
  • No per-check fee.
  • Optional overdraft transfer from savings.
  • Access your account at CO-OP Shared Branch locations nationwide
  • Ability to upgrade to regular Tech Checking after 6-months of properly maintaining this account.
  • Assistance with establishing Direct Deposit or Payroll Deduction to your account.

Secured Checking has the following requirements:

  • Those with a record of fraud at ChexSystems are not eligible.
  • Minimum daily balance requirement of $200 ($100 is held in Money Market Savings).
  • $5.00 monthly account service fee; $10.00 per month whenever the required minimum daily balance is not maintained.
  • Account e-Statement is required.
  • 7-business day hold on deposited checks.
  • $34.00 per NSF item returned.
  • $30.00 per stop payment.
  • $6.00 per overdraft transfer.
  • $5.00 copy of cleared checks.
  • Online Bill Pay service is not available.
  • Account will be closed for uncollected account fees.
  • Other account fees or restrictions may apply.

ChexSystems is a network made up of member banks and credit unions that regularly contribute information on mishandled checking and savings accounts to a central location. This information is shared among member institutions to help them assess the risk of opening new accounts. Each report submitted to ChexSystems remains on file for five years unless the source of information requests its removal or ChexSystems becomes obligated to remove it under applicable law.

Open A Checking Account Today

Your new checking account can be opened at any Tech CU branch.

  • To open a Checking account, a minimum of $25.00 must be on deposit in your Tech CU Money Market Savings account.
  • A $25 initial deposit is required to open (Tech Checking).
  • Present a valid driver s license with your correct mailing address.
  • Present your most recent pay-stub (if employed).
  • Your first box of checks is free and is mailed to your home within 7 to 10 business days from the time of account opening.
  • Tech Check Card and PIN is mailed (separately) to your home 2 to 3 weeks from the time of account opening. You also have the option of having these items mailed directly to the credit union for pick-up.

Contact Us

Branch ATM Finder

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Self Service

Rates Fees





06/09/2017

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Welcome to the Counseling Center: Texas State University #lonely, #lonliness, #txstate,

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Welcome to the Counseling Center

END OF THE SEMESTER SESSIONS

Each semester, when the Counseling Center has no more capacity to add new clients seeking ongoing counseling, we replace initial consultations (ICONs) with one-time sessions for the remainder of the semester. As of Monday, July 31 st the Counseling Center will begin offering one-time sessions. These one-time sessions are an hour in length and focus on problem solving more immediate issues. If students are in need of further services, we will help them connect with additional resources outside of the Counseling Center.

Counseling Center services are free, confidential, and provided by trained professionals to currently enrolled Texas State students while classes are in session.

Counseling Center Services include brief individual, group, and couples counseling, consultation and crisis response, and workshops about coping with stress and other mental health topics.

Individual counseling is also available on a limited basis at the Round Rock campus. Click here for details.

CONCEALED CARRY IS PROHIBITED IN THE COUNSELING CENTER

Effective August 1, 2016, concealed carry of a handgun by license holders is allowed on Texas public university campuses subject to the restrictions imposed by statures and by the University President. Concealed carry is prohibited in some buildings on Texas State University Campuses, please see www.txstate.edu/campuscarry





05/09/2017

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Find cheap student flights & other travel discounts #travel #insurance #comparisons

#flight cheap tickets
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Cheap Student Flights

Cheap Student Flights

We understand that when you’re on a student budget, every penny counts. That’s why we’re always working to bring you cheap flights to destinations all over the world. At StudentUniverse, we work directly with airlines every day in order to find the cheapest airline tickets and provide you with the best student deals. If you want to get to your destination without breaking the bank, you’ve come to the right place. Whether you’re searching for one-way, round trip, domestic or international flights, we’ve got discounted student flights that will get you there.

How are our airfares different from retail fares?

  • The discounted flights are made available specifically to students and youth (under 26)
  • Student airfares are often cheaper than those you would find on other sites.
  • We negotiate directly with airlines to get you the cheapest fares.
  • Student airfares allow stopovers.

StudentUniverse offers student travel deals to destinations all around the world, so why wait another minute? Book your ticket today.





30/08/2017

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Career Facts – Accounting Program – Business and Economics Department –

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Accounting Program Career Facts

What They Do:

Accountants and auditors prepare, analyze, and verify financial reports and taxes and monitor information systems that furnish this information to managers in business, industry, and government.

The major fields of accounting are public, management, and government accounting. Public accountants have their own businesses or work for public accounting firms. They perform a broad range of accounting, auditing, tax, and consulting activities for their clients, who may be corporations, governments, nonprofit organizations, or individuals. Management accountants (also called industrial, corporate, or private accountants) record and analyze the financial information of the companies for which they work. Other responsibilities include budgeting, performance evaluation, cost management, and asset management Government accountants and auditors maintain and examine the records of government agencies and audit private businesses and individuals whose activities are subject to government regulations or taxation.

Within each field, accountants often concentrate on one aspect of accounting. For example, many public accountants concentrate on tax matters, such as preparing individual income tax returns and advising companies of the tax advantages and disadvantages of certain business decisions.

Increasing numbers of accounting graduates are working in private corporations. Management accountants analyze and interpret the financial information corporate executives need to make sound business decisions. They also prepare financial reports for non-management groups, including stockholders, creditors, regulatory agencies, and tax authorities. Within accounting departments, they may work in financial analysis, planning and budgeting, cost accounting, and other areas.

Who Would Enjoy It:

People with accounting jobs understand information systems and are skilled at working with computers to gather, report, and interpret information. Skills in human relations and interviewing are essential because accountants need to understand and solve financial problems for other people.

Accounting covers a wide variety of jobs including Financial Reporting, Income Tax Research and Preparation, Information Systems Design, Auditing, Budget Preparation, and Cost Accounting. Levels of accounting jobs range from clerical bookkeeping to Vice-President of Finance/Chief Financial Officers.

What They Earn:

The average starting salary for someone with a bachelor s degree is about $35,000 per year, yet salaries ranged from $30,000 to $40,000. Those with 1 to 3 years experience will increase to about $50,000 a year, with salaries ranging from $30,000 and $60,000 in the higher management positions. After 10 to 15 years of experience in this field, one may earn up to $110,000 per year. Starting salaries with an associate degree vary with the individual s education and work experience. Bookkeeping jobs for students working on a degree vary from $8.00 per hour on up depending upon education and experience.

How Many Jobs Available:

Employment of accountants and auditors is expected to grow about as fast as the average for all occupations through the year 2014. Each year, several hundred thousand jobs for bookkeeping, accounting, and auditing clerks will become available as these clerks transfer to other occupations or leave the labor force. The large size of the occupation ensures plentiful job openings, including many opportunities for temporary and part-time work.

How Much Schooling, Training, or Skill Development:

Most professional accountant and internal auditor positions require at least a bachelor s degree in accounting or a related field. However, many employers are beginning to prefer candidates who have earned a master s degree. A variety of bookkeeping and paraprofessional accounting jobs are available for people with less than an associate degree. There appears to be a growing trend for these jobs to request a minimum of an associate degree.

Accountants traditionally have been detail-oriented and that is still important, but modern accountants require a much broader set of abilities. The modern accountant needs highly developed analytical skills to deal with the ever-changing business environment. Good oral and written communication skills are a necessity. Interpersonal skills are highly desirable. The ability to effectively work with computers is a necessity. Computerization lessened the focus on repetitive, detail-oriented work in accounting in favor of analysis and communication.

Based on recommendations made by the American Institute of Certified Public Accountants, most states currently require CPA candidates to complete 150 semester hours of college coursework. Students already holding a bachelor s degree in another field who earn an associate degree in accounting may meet the educational qualifications for the CPA examination and entry into professional levels of accounting. In Michigan, the 150-hour law can be met with LCC classes if the student has a 4-year degree already.





25/08/2017

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CTDLC Home #connecticut #distance #learning #consortium, #ctdlc, #connecticut, #distance, #learning, #consortium,

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CTDLC ANNOUNCES THE WINNERS OF THE 2016 DIANE J. GOLDSMITH AWARD FOR EXCELLENCE IN ETUTORING Newington, Conn. U.S.A. (October 3, 2016) – The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and unive.

CTDLC ANNOUNCES THE WINNERS OF THE 2016 DIANE J. GOLDSMITH AWARD FOR EXCELLENCE IN ETUTORING Newington, Conn. U.S.A. (October 3, 2016) – The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and unive.

May 25, 2016 at Fairfield University Our Featured Keynote Speaker will be Dr. Robbie Melton “Education On-Demand and In Your Hands” The Internet of Things or IoT will not be gently knocking at higher education’s door, it will be banging on our doors with an army of devices in tow, and sooner.

Call for Proposals Deadline Extended! The Conference will be held on Wednesday, May 25th, 2016, at Fairfield University. The DEADLINE FOR SUBMISSIONS has been extended until Friday, March 18th. The Connecticut Distance.

The Connecticut Distance Learning Consortium (CTDLC), a division of Charter Oak State College and a member of the Connecticut Board of Regents of Higher Education, recently completed development of a series of online courses offered in American Sign Language (ASL) by the Connecticut Bureau of Rehabi.

The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and universities, is pleased to announce the recipients of this year’s Diane J. Goldsmith Award for excellence in

Today we are pleased to be the focus of the WCET Frontiers blog. Our Call Center is very proud of all they have accomplished and are now able to offer to our clients. Here’s the link. We are always open to new cli.

If you are new to online learning, instructional design, eLearning course development, or would simply like to learn more about the world of online education, this course is designed for you. Discounted rate for eTutoring.org Schools. A Two-Week Course Starts Monday, July 27th, 2015 Registration.

CTDLC is proud to announce its latest partnership with Connect-Ability, Department of Services (DORS). and the Bureau of Reh.





23/08/2017

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Student Airfare Deals #best #travel #sites

#student travel deals
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Current Student Airfare Deals

Continue Reading Below

  • London from $538 roundtrip — that s from Chicago, and doesn t include taxes of $120-$240 depending on routing. Buy direct
  • Australia $735 roundtrip — LA to Sydney, Brisbane or Melbourne, plus flight, hotel and activity packages from $954. Buy direct
  • Airtran standby for students is the only standby program left in the United States, basically, and it s just for students — keep it in mind as a backup plan! Do note that Airtran s standby program has blackout dates, with a big one being through the Christmas and year-end holidays .
  • Lufthansa Generation Fly has no great deals on their student airfare program going on right now — worth keeping an eye on, though.
  • Another not-a-deal-but-know-about-this thing: get a free iPod Shuffle when booking an $800 or more Contiki trip through Smarter Travel s TravelCuts student airfare agency. Other student airfare deals on from TravelCuts right now (prices shown *do not* include taxes and fees — the plus plus — and they may be a bundle, so check totals before deciding to buy):
    • Boston-London — $140 RT
    • New York-Tokyo — $640 RT
    • New York-Barcelona — $167 RT (wow!)
    • Washington DC-Rio de Janeiro — $680 RT
    • Miami-Moscow — $308 (double wow!)
    • San Francisco-Budapest — $386 RT
    • Seattle-Shanghai — $573
    • Chicago-Prague — $294
    • San Diego-Amsterdam — $278
    • Los Angeles-Auckland — $795

    Check out Travelcuts flight specials page for more.

    Other Student Travel Specials





    21/08/2017

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  • Student Flights, Student Airfares – Travel Deals #travel #directions

    #student travel deals
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    Save $10 Instantly on Student Travel Deals

    Get Promo Code and get up to $20 off

    our fees. ◊

    Applies to bookings for 4+ travelers. Book by November 30, 2015.

    Student Flight Deals

    As a director of an international faith-based non-governmental organization, I do a lot of international travel. My recent trip from Canada to Cambodia was the smoothest trip I have ever had! The connection times meant I had short layovers at all stops. All flights were on time, and the trip was flawless. Thank you OneTravel.

    Latest Stories from the OneTravel Blog

    Celebrate St Andrew’s Day in Scotland

    3 Globally Inspired Indy Shops in Los Angeles

    As holiday shopping season ramps up and Small Business Saturday approaches, I fi [. ] – Jen Westmoreland Bouchard   Fri, 27 Nov  2015 Read More





    21/08/2017

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    Student Guide to London- Travel, Budget, Lodging Info #vegas #travel #deals

    #travel to london
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    Student Guide to London Travel

    By Kathleen Crislip. Student Travel Expert

    Before you go to London:

    Lovely London, spendy but friendly, is a should-see student travel spot. Make plans before you go (scroll for all).

  • Should I make reservations in London?
    • Yes — see places to stay in London below.

    How should I pack for London?:

    Learn how to pack the basics — for London in spring and summer, add or subract clothing as you would for the Northeast US (like New York). Bring a very small umbrella and light rain anorak or jacket that can be rolled tight for toting in your day pack while touring. Bring an electrical converter — British wall plugs won t accept your electrical devices. Comfy walking shoes are a must.

    Getting to London:

    You ll find the best airfare to London from student airfare agencies like Student Universe. Watch for specials and you can save a bundle. Don t be fooled by some airlines student airfares — student airfare agencies have the real deal. Airfare sales do happen, though — check student airfares against an aggregator s roundup of regular ticket prices.

    • Student airfare finders
    • What s an aggregator?

    Air to London may be cheaper with an air/hotel package, but those stays are usually very short.

    Where should I stay in London? How much will it cost?:

    Continue Reading Below

    A West End (below) London hostel is the best way to go for budget lodging in London — funky little hotels can be charming, but London is very expensive. Ask to see a hostel room before you pay and choose a dorm (several bunks in one room) for the cheapest London lodging.

    Expect to pay $25-$35 for a London hostel bunk.

    Getting around in London:

    The London tube is a major miracle of modern transportation — learn to love it. Though it s the oldest in the world, London s subway (but don t call it that) is clean, safe and efficient. And if the tube doesn t take you close to your London destination s door, the bus (maybe a double decker!) will.

    Plentiful black London cabs have fixed prices — get a few folks to make a cab s cost equal the tube.

    British money and London budget:

    England s currency is the pound — don t plan on using euros. Exchange rate is bad (about $1.75 is normal). London is expensive — plan $55/day. Food and beds are spendy but clubs can be cheap; museums are free. You won t miss truly adventurous food by cheaply cooking in your hostel kitchen .

    What to do in London:

    London s history is long and deep — do tour the London Tower. For free music ideas, see the Free London List. Borrow someone s copy of the Time Out music/film/event guide or check Time Out online for non-free music happening in London. Consider buying a one day Original Bus Tour pass ($28) to hop on and off at major sites. Spend whole days hanging out in places like Piccadilly Circus or Covent Garden. Take a great (free) Soho podcast walking tour. And check the top free things to do in London.

    Safety, crime and travel health care in London:

    The artful dodger does lurk in the London tube — consider figuring out in advance how to stash travel cash. You can feel physically safe in all of London provided you use basic travel safety precautions. Terrorism is not a big concern, despite some US hysteria over the 05 tube bombings.

    US travelers get free emergency room care in London; all else is pay as you go, though your US health insurance probably covers you. Food and tap water are perfectly safe in London. You don t need travel immunizations for London.

    London photo galleries:

    Whet your travel appetite with some London photos meant just for student travelers — most were taken on gray days because, honestly, that s the sky you may see in London much of the year.

    London s West End is backpacker central:

    Think about staying in London s West End (north of the Thames River, west of Piccadilly Circus ) — try the Wake Up London hostel for cheap, safe lodging. You can walk to nearby Hyde Park and take the tube everywhere, like outdoor markets or Notting Hill.

    Mail, Internet and Phone Calls in London

    UK mail is quite speedy — if you ll be there a few weeks, set up a snail mail address.

    • Learn how to set up an international snail mail address

    You can buy phone cards good for making calls in England for about $3-5-10 USD in UK convenience stores, major train stations like Waterloo, your hostel and airports. You can also buy a UK cell phone for $50 or less and make cheaper UK calls than with a roaming US phone — look for phone vending machines (seriously) or try a Carphone Warehouse storefront.

    The Dover Castle Hostel (south of the Thames) has free wifi, but free or even cheap wifi in London hostels is scarce. Hostel internet access (their computers) is ludicrously expensive. London does sport internet phone booths on street corners — spendy but handy. Chain easyInternetcafe, boring but predictable, can be found in places like Burger King.

    London with a Tour Group

    Visiting London is so expensive that going with a tour group is a great idea — it can be cheaper and much easier than visiting on your own. Several companies specialize in student group travel — try EF Tours for a very decent experience: I ve traveled with EF Tours, and I would again.





    21/08/2017

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  • Student Travel – Anywhere Travel #travel #tickets #cheap

    #student travel deals
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    CORPORATE TRAVEL

    Academic Travel

    Our reputation as an Academic Travel Specialist has been going for more than 30 years. Meaning we have a deeper understanding of what is critical for academics and how to offer the best service within the market.

    It’s hard to find a travel agent that has been working on the same account for more than 10 years- our company strives towards building a strong and long-term relationship with our academic clients. Understanding our client’s back-to-front, having clear knowledge on their travel plans adds substantial value. We also understand that the majority of academics are often travelling on their own grant money and are very price sensitive. At the same time they often need creative solutions for complex routings, advice on point’s upgrades and rewards, or family travel portions on their trips. Don t forget University staff receive benefits for being our clients- whatever your dream holiday maybe our travel consultants will strongly negotiate with our leading partners in order to create exciting, tailor-made holidays providing exceptional value, experience and local knowledge.

    For more than 30 years as an academic travel specialist we have handled over 10,000 university bookings per year. Anywhere Travel currently manages accounts for three leading Sydney Universities and services several other tertiary institutions throughout Australia

      Technology Services

    We can deliver the best staff and student fares; add value to your experience with the latest technology and itinerary planning. We also guarantee quick responses to emails and calls as we take a step further to offer Universities specialised services, management and performance.

    Accounts

    Alumni Travel

    Expand your mind

    As an official travel manager for over 8 years we have arranged many fascinating itineraries for travellers wishing to take a tour that caters to their particular interest.

    Travel packages of a cultural, heritage, artistic or historical nature (and more) can be tailored to suit your particular requirements either individually or as a group. There is no qualification required to take part just an interest in expanding your mind by the opportunities opened up by travel!

    Our specialised consultants will put together itineraries to best suit you and as well as other information to help ensure your trip is a great success.  With our significant buying power we also offer a range of ready-made alumni travel tours. Fantastic flight specials, all-inclusive vacation packages, discounted holiday accommodation and more.

    Contact us today to find out about our absorbing alumni travel options that will pursue your area of interest.

    Student Travel

    Let us plan a fantastic budget-friendly trip for you!

    Anywhere Travel has helped thousands of students to enjoy a sensational travel experience without breaking the bank. Draw on our expertise and experience and plan the trip of a lifetime with us!

    Contact us  today to access cheap student flights, holiday accommodation and vacation deals along with the very best in friendly help and advice.





    21/08/2017

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    Student travel #travel #south #america

    #student travel
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    Student/Employee Travel

    Employee Travel

    Oregon Tech employees traveling on behalf of the university must submit the Driver Certification form. This form is to be completed annually and is valid September 1 – August 31. Employees are also required to complete the Travel Authorization and Travel Reimbursement forms to be submitted to the Business Office. When traveling with students, employees must also complete Student Travel paperwork.

    Student Travel

    Student Travel paperwork is required for trips OVER 25 MILES. For insurance purposes, Oregon Tech requires student travel paperwork to be completed 10 DAYS PRIOR to travel. Each trip requires only one Travel Approval Form and one Travel Itinerary/Emergency Contact Waiver Form regardless of how the students are traveling. Each Driver must complete a Driver’s Certification Form. This form is to be completed annually and is valid September 1 – August 31.

    For student travel related to an academic program (conference, academic club competition) assistance is available from an academic support staff person for making travel arrangements and payment. For student travel not related to academics (campus club, ASOIT) assistance is available in the Campus Life Office for making travel arrangements and payment.

    Hotel, Rental Car, Flight and Registration Fee must be arranged and paid for prior to travel. Receipts for parking, taxi, shuttle and/or fuel must be turned in for travel reimbursement. Student meals are not reimbursable. If a faculty advisor attends the trip, they may check out a travel card and meals may be purchased. Please keep in mind that students may only drive up to a 7-passenger vehicle and only 300 miles per driver per day.

    If student travel is international in nature, please contact Risk Management for more information and instruction.

    Class Field Trip Travel

    If student travel is international in nature, please contact Risk Management for more information and instruction.





    21/08/2017

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    Student Travel #travel #and #leisure

    #student travel services
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    Student Travel

    Domestic Travel for Students

    Undergraduate students traveling within the United States on programs arranged by a student organization officially sponsored through the Divisi on of Student Affairs should be in contact with Student Affairs for information about applicable policies and procedures.

    Graduate students traveling within the United States for university-related purposes should be in contact with the department or center sponsoring the travel for information about applicable policies and procedures.

    All students are encouraged to book their domestic air and rail travel through Georgetown Travel Online (GTO).

    Forms

    International Travel for Students

    Be sure to read the Georgetown International Travel Policy carefully, and follow the guidelines provided in the policy checklists below for students:

    • Undergraduate student not participating in an OGE study abroad program or traveling with a faculty/staff group leader. Checklist
    • Undergraduate student traveling with a faculty/staff group leader. Checklist
    • Graduate student traveling with a faculty/staff group leader. Checklist
    • Graduate student wishing to travel to a country with a U.S. Department of State Travel Warning. Checklist
    • Graduate student traveling to a country without a U.S. Department of State Travel Warning. Checklist

    GU Travel Registration

    All students participating in university-related international travel are required to register their travel plans in the university’s online travel registration system.  Travel registration provides the university with the information it needs to locate travelers in the event of a crisis or emergency.  The university may not be able to assist or arrange evacuation for students, faculty and staff who do not register their travel.

    Travelers may register in either of the following ways:

    • Book your travel through either of the university’s preferred travel agencies: Georgetown Travel Online (GTO) or Anthony Travel.  Reservations confirmed and ticketed through these agencies are automatically registered.
    • Manually register by entering your travel itinerary into MyTrips.  MyTrips is a secure online system managed by International SOS .  A step-by-step guide for manually registering travel in MyTrips can be found here .




    21/08/2017

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    Student Travel #airlines #ticket

    #student travel services
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    Student Travel

    FROSCH Student Travel specializes in travel for the student, youth, educational and budget markets. From study abroad experiences to group travel, we offer a wide variety of options with an eye to keeping costs down and guiding young travelers through the intricacies of international travel.

    • Personalized Service Open or Close

    FROSCH Student Travel understands the needs, values, and wishes of student travelers, and we make it our job to get you where you want to go at the best price. We advocate for our clients, providing 24/7 backup to help resolve issues that may arise while abroad.

  • One-Stop Shopping Open or Close

    More than just plane tickets and hotel reservations, we also coordinate visas, car rental or train tickets, and tours and FROSCH Student Travel offers more than just plane tickets and hotel reservations. We also coordinate visas, car rental or train tickets, and tours and activities. We offer a wide variety of travel options and provide quotes from competing travel suppliers. Our clients save time and rest easy knowing that all aspects of their trips are being managed by expert consultants.





    21/08/2017

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  • Compare Cheap Student Car Insurance Quotes at #student #cheap #car #insurance

    #

    Student car insurance

    Key points


    • Premiums for students can be high because the drivers tend to be young and the areas they live in high risk
    • Comparing multiple quotes can help keep prices down. It’s worth considering telematics and our other money-saving tips
    • Make sure you’re clear on the address the vehicle’s kept at most of the time – if you put your home address and it’s kept at university you risk invalidating cover
    • Also ensure you accurately declare who the main driver of a vehicle is to avoid the offence known as fronting

    Cheap car insurance for students is at the top of the wish list of many people heading off to university.

    Yet premiums can be high for people in higher education, partly because many are under 25 and car insurance can be expensive for young drivers.

    Also, many universities are in the UK’s larger towns and cities which tend to have higher crime rates, and this can increase the risk of a claim.

    But there are car insurance deals on the market which won’t break your budget.

    Save money on student car insurance

    In some circumstances third party insurance policies can be cheaper than fully comprehensive and can have a lower excess, which is the amount you have to pay up front if you’re involved in an accident.

    But be careful. You might be surprised to find that third party options don’t always offer the cheapest car insurance for students, and that comprehensive insurance can cost less and offer more benefits.

    When you use Gocompare.com’s quotes service, you can get quotes for each type of cover by clicking on comprehensive, TPO and third party, fire and theft in turn. You should then weigh up the benefits of each type of policy as well as considering the price.

    Using mum and dad’s car insurance

    If you just intend to use the family car now and again when you’re home from university during the holidays, you’ll be able to stay as a named driver on your parents’ insurance.

    However, if you’re taking the car to university and will be the person who uses it the most, you’ll need to have your own insurance. Don’t be tempted to lie and claim a parent or another relative is the main driver if they’re not, as this is illegal and you’ll be committing an offence known as fronting .

    Should I use my home or uni address for my car insurance?

    Students are often on a budget and therefore want to save as much money as possible.

    See also:

    Many students find that they get a cheaper quote based on their home address – but solely putting this could cost you a lot more in the long run.

    This is because insurers will base your premium on the address your car is kept at most of the time and, as you might be in university for seven months of the year or more, your claim could become invalid if you fail to disclose this information.

    Also some insurers, when presented with two addresses, will base quotes on the higher-risk address. This is likely to be a highly populated student area and, again, you could risk making your insurance invalid if you lie about your residence.

    Always be honest with insurers up front and explain you have a university and a home address. It’s a good idea to get in writing from them that they’re aware of this, in case there’s a future dispute.

    Even if they base your premium on your uni residence, you can request that they send mail to your home address.

    Telematics insurance for students

    Telematics or black box insurance could be a good solution for students – it’s generally thought to be a very viable option for young drivers, although anyone can potentially benefit, and such a policy may bring down the price of your premium.

    Telematics measures the way you drive and adjusts your insurance premium accordingly, which means the price could come down if you drive carefully and do things such as keep within speed limits, give yourself plenty of time to brake and avoid driving at night.

    Your vehicle will either be fitted with a black box – which is about the same size as a smartphone and fits under your dashboard or the bonnet – or the data may be collected using a mobile phone app.

    Each telematics product works slightly differently. For example, some insurers will cover a specified number of miles then reward careful drivers with bonus miles, whilst others will deduct miles for things such as speeding.

    If you search for car insurance through Gocompare.com, on the results page you’ll see telematics deals labelled and listed alongside more traditional policies, giving you the opportunity to compare and contrast options.

    Temporary car insurance for students

    You might want to consider getting temporary car insurance for students if, for example, you’re borrowing somebody else’s car for a weekend to take your belongings to halls at the start of a new term.

    See also:

    This could be a good option if you’re in your 20s, as drivers can usually get temporary cover when they’re over 25, or sometimes when they’re over 21. It’s very difficult, however, for 18-year-olds to buy short-term car insurance. Read our guide to taking out cover to drive other cars to find out more.

    Car insurance categories

    Remember that car insurance premiums depend on the type of car you drive. Factors including the age, make and model of your car can make a difference to your quote, as well as things such as the type of fuel it requires.

    You can read more about car insurance groups here. and use our simple tool to find which category your vehicle falls into.

    Alternatives to student car insurance

    Before you pack your bags ready for the new term, think carefully about whether you even need a car at university.

    With high demand for car parking spaces on campus and steep fuel prices, walking, cycling or taking the bus can suddenly seem very attractive. Check out the alternatives to owning a car for further inspiration and remember that car hire may be another option if you only need a vehicle on rare occasions.

    By Rebecca Lees





    17/08/2017

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    WorldStrides Educational Student Travel #travel #span

    #student travel agency
    #

    Travel with the educational leader.

    Every trip is a journey of possibilities. We provide students a world of travel experiences that immerse them in knowledge, culture, and inspiration. We help students grow by bringing learning to life—new ideas, new friends,and the memories of a lifetime. Explore. Discover. Become.

    Strength in numbers

    With 50 years of experience, we’ve taken over 6 million students on educational trips–over 350,000 students traveled with us last year alone! More than 300 colleges and universities partner with us, including most of the top 30 MBA programs.

    A focus on learning

    We educate students through authentic travel encounters with the world beyond the classroom. For all ages and interests, our experiential content meets students where they are on their educational journey. Our powerful, trademarked learning tool (L.E.A.P.) helps us bring this mission to life.

    Safety’s a top priority for us and we’re proven pros at it. Our 24/7 Tour Central office gives you “always there” support, and our careful contingency-plan process gives you peace of mind. Insurance? Rest easy! We offer comprehensive liability coverage for teachers and medical coverage for students.

    We have long-standing relationships with the best vendors, venues, and transportation providers, as well as partner relationships with global businesses in 100+ countries around the world.





    16/08/2017

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    Alliance Tour and Travel – Orlando Student Discount Travel, Florida Discount

    #sports travel
    #

    Alliance Sports Travel is a group housing company that specializes in discounted hotel accommodations for sports related groups of ten rooms or more.

    Our staff is here to assist with the hotel needs of collegiate sporting events, youth tournaments, cheer dance competitions, alumni associations or clubs, fan family blocks and any sporting event from youth to collegiate. Our goal mission is to create a unique and memorable travel experience, while making the planning process effortless enjoyable for attendees. Our website allows online booking 24 hours a day, 7 days a week for your event. This enables attendees the capability of making their hotel reservations online at their convenience.

    We take pride in every client we have the pleasure to work with. Whether large or small, every client is treated the same with respect and professionalism . We hold over fifteen years of hospitalit y customer servic e experience and pride ourselves in the job we do.

    In addition, we are members in good standing with many local national organizations such as Florida Citrus Sports (FCS), International Association of Travel Agents Network (IATAN), National Association of Sports Commission (NASC), the Better Business Bureau (BBB). Your direct pass to a memorable, stress free sporting event begins with Alliance Sports Travel! If you still aren t sure, just check out our testimonials.





    15/08/2017

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    F1 OPT Jobs, CPT, Citizen and H1B Jobs #f1 #visa #students

    #

    New Cutting Edge Job Site

    New Jersey Feb 25th,

    DesiOPT – F1 visa students find OPT Jobs (Optional Practical Training), CPT Jobs, H1B Jobs – OPT Students looking for jobs can find OPT employers who can sponsor H1b, CPT internship jobs, OPT CPT training or part-time OPT CPT jobs. Employers can find OPT students, CPT candidates and F1 visa student’s resumes.

    DesiOPT.com was created by group of Alumni’s who have experienced similar difficulties as faced by current jobseekers. It reduces the time spent on finding International Student Jobs and H1B sponsorship Jobs. OPT Students can quickly find H1B Sponsors, USA Sponsorship Jobs. OPT/CPT job seekers who signs up and enters basic resume details on our site, can avail below free services

    Recent Events

    Choosing An Employer

    With the consulting regime conquering the IT scenario, many OPT (Optional Practical Training) employers are in the fray to make a quick buck. So one needs (especially OPT students) to be very cautious and careful while choosing an OPT employer or OPT work. Having a good employer is very vital so as to avoid any legal, payments, and immigration issues in the future and of coz getting work assignments at reputed companies by not being on bench for too long.

    Before you set about stumbling upon an OPT employer, one needs to ascertain what his/her short-term goals are. Is it huge pay / getting placed soon. Many OPT employers entice employees with good % billing rates. One should never fall into such kind of traps especially when you are starting your career in consulting. The following are the important features one needs to consider when he/she chooses an employer:

    My Job Search Process

    As an OPT (Optional Practical Training) International Student, I had been in the same shoes are you were few years ago. I graduated from Chemical engineering from Bangalore University. I saw the trend was to start reading GRE and Toefl and plan to go to USA. Well since the job market in India was not that great, so thought why not follow the trend. Landed in US and joined master’s program in Computer Science. With 9/11 and bad economy, there were no chances of funding or even getting on-campus jobs. Somehow my luck favored and I got my first on campus job in few months. Then got my Assistantship, then my Internship and was ready to graduate.

    Job market was still worse. More then job market I didn’t have a mentor to guide me through the OPT/CPT job search process. My friends were in the same boat as I was.

    OPT Student Switching from Non IT to IT

    Well that’s a tough one…For OPT Students in the conventional majors and who bagged the OPT Jobs in their fields of study…its not at all concern for them to think about this shift at least for the time being. However this thought might arise in them once they settle down in their job and start feeling the ennui about their daily routine due to the lack of freshness or adventure. Also the lure of big pay packets is one main thing that attracts them to IT. Along with these there might be Junta who is really interested in programming stuff, web designing, has the curiosity to learn more about the business side, about finance and IT integration etc which lures them into the IT sector.

    There are many OPT Students who couldn’t grab/take the OPT Jobs in their major of study due to various reasons such as economical downturn, H1 cap reached by the time they got their job etc.

    Jobs by Category





    13/08/2017

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    Student Loan Services – Ways to Pay for College #student #loan

    #

    Student Lending and Services

    * Multi-year approval funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial loan to you, we may refuse to allow you to take out additional loans under the multi-year approval feature, terms and conditions will be outlined in your promissory note.

    1 Average savings of $643 are calculated using the 2016/2017 Award Year Federal Direct PLUS Loan program reporting (as of 5/03/2017 for quarter ending December 31, 2016 not including Grad PLUS) of originations of

    $11.1 billion to 740,097 borrowers through 769,597 loans with an average loan size of $15,035.30. Average fee savings is possible with either private student loan option we offer, including the Citizens Bank Student Loan or the Citizens Bank Student Loan for Parents.

    2 Average savings based on 57,772 actual customers who refinanced their federal and private student loans through our Education Refinance Loan between January 6, 2014 and January 31, 2017. The borrower s savings might vary based on the interest rates, balances and remaining repayment term of the loans they are seeking to refinance. The borrower s overall repayment amount may be higher than the loans they are refinancing even if their monthly payments are lower.

    3 U.S. Dept. of Education. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. For Loans first disbursed between October 1, 2016 and September 30, 2017 the origination fee is 4.276%.

    4 Interest rate reduction of up to 0.50 percentage points is possible with the following discounts:

    Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

    Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.





    13/08/2017

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    Student Travel Insurance #travel #pro

    #student travel insurance
    #

    Student Travel Insurance

    Name

    Mobile No.

    Email Id

    I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to contact me. It will override my registry on the DNCR. Read more

    Calculate Travel Insurance Premium

    We would like to inform you that the service tax has been revised to 14.5% W.E.F 15th November, 2015. This change will be applicable on all our Travel insurance products mentioned in the brochure. We are working on the revised Travel insurance brochures and they will be put up soon.

    Why do I Need Student Travel Insurance?

    Studying abroad in a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. A student living alone outside India might also need visits from family or other back-ups if something goes wrong. Our travel policy covers you for all such eventualities for just a fraction of the amount you would otherwise need.

    • Covers expenses of hospitalization, loss of baggage, accident to sponsor, family visit and other incidental expenses
    • Covers you against bail bonds and tuition fee*
    • Covers you against loss of passport**
    • Covers you for emergency dental pain relief***
    • Quick disbursement of claims
    • Global expertise matched with local knowledge
    • Innovative packages to match individual needs
    • Innovative packages to match individual needs
    • Only insurance company with in-house international toll-free numbers and fax numbers

    *Offered only with Student Elite,

    Scholars Guide and Brilliant Minds





    09/08/2017

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    Here s an unexpected way to get rid of debt: pick

    #

    Here’s an unexpected way to get rid of debt: pick up and move

    Ken Ilgunas paid off $32,000 in student loans two and a half years after graduation starting with a $9-an-hour job.

    With zero job offers in his chosen field of journalism, he instead moved from Wheatfield, New York, to Coldfoot, Alaska, a truck stop and tourist camp north of the Arctic Circle, so he could put every possible dollar toward his debt.

    Every possible dollar, in this case, meant virtually every dollar. His job as cook, maintenance worker and tour guide provided room and board. What Coldfoot (population 10) didn’t provide was places to spend the little money he was making.

    “I had literally no bills other than my student loan payments,” Ilgunas says. “I was able to send $18,000 toward my debt that first year.”

    People who are passionate about paying off debt find plenty of ways to do it that go well beyond clipping coupons. turning down the air conditioner and consolidating their debts. Some free up money by tackling most households’ biggest expense: the cost of shelter.

    After the tourist camp job, Ilgunas lived in a tent for a while as a ranger for the Gates of the Arctic National Park. He paid off his debt two and half years after his 2006 graduation.

    “I wanted a really free and adventurous life, and I knew I couldn’t have that life with debt,” says Ilgunas, 33.

    His experiments in rent-free living went so well that he moved into a van so he could attend graduate school without taking out more loans and then wrote a book about it, “Walden on Wheels.” Ilgunas, now a seasonal park ranger, lives in a house in Stokes County, North Carolina, “with electricity and Wi-Fi and everything.”

    Why today’s young adults are growing up more slowly

    The shifting economy means Americans are taking longer to reach traditional markers of independence — in the process changing how they define ad.

    Moving outside the comfort zone

    You can’t get cheaper than free. But when a relative offered Chicago residents Aja and Kelvin McClanahan a home he had inherited and didn’t want, they initially turned it down because it was in one of the city’s most dangerous neighborhoods, Englewood .

    “If you looked at the statistics, Englewood was at the top. Extreme poverty, urban blight, homicides, teen pregnancy, tuberculosis, all of it,” says Aja McClanahan, 37.

    The McClanahans had made progress in paying off $120,000 in student loans, medical bills, credit card debt and a car loan mostly while living rent-free in Aja’s mother’s home. They longed for their own place and hoped to avoid a mortgage. And Aja wanted to be a stay-at-home mom and home-school their two small children.

    So they kept talking about the Englewood house. “We could be so much far ahead with retirement savings, with college savings” by moving into the house, Aja says. “We didn’t see another way to get as firm a financial footing.”

    Plus, they had friends in the neighborhood: “hipster” types who had moved there for the cheap housing.

    “People live here. They didn’t die,” Aja says she reassured herself.

    In 2010, the family moved from the suburbs into the house with bullet holes in the back door. They spent the first night listening to sirens, barking dogs and their own doubts about their decision.

    Seven years later, they’re still there and debt-free. The area hasn’t gentrified, but it has improved, Aja says. Kelvin’s job as a postal carrier supports the family comfortably, giving them time to travel and and volunteer at local schools and nonprofits.

    “I feel like we have a high quality of life,” Aja says.

    Moving to another country

    The McClanahans may have felt like they moved to a different country, but Frank Thomae and his wife, Lissette, actually did and dramatically reduced their housing expenses.

    In 2013, Frank was planning to travel full time after he lost his job as the chief financial officer for a Canadian importer. Lissette planned to work remotely as a marketing director. But then the couple were saddled with $46,000 in unexpected bills for expensive dental work, a bad business investment and remodeling overruns on their Montreal condo.

    Watch elephants spray tourists during the Thai New Year festival

    Elephants sprayed tourists during the Songkran water festival in Thailand’s ancient capital of Ayutthaya. Songkran marks the first day of the Tha.

    Rather than putting off their travels, they relocated overseas. They rented out their condo for $1,850 a month while paying $500 monthly rent in Prague, Czech Republic, and then $300 in Nong Khai, Thailand.

    “We saved more money than when we were at home,” Thomae says.

    Two years after leaving Montreal, they were debt-free. They recently signed a one-year lease in Croatia. Eventually, they plan to find a more permanent home: It will be abroad.

    “We’ve both just turned 50 and neither of us wants to go back to Canada or the U.S.,” Thomae says. “We always want to travel.”

    This article was written by NerdWallet and was originally published by The Associated Press .

    More from NerdWallet





    01/08/2017

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    Airline prices – flight booking, buy airline tickets online, air deal,

    #flight tickets booking
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    airline prices


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    31/07/2017

    Posted In: NEWS

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    A College Student s Financial Success key #travel #paris

    #cheap airfare and hotel
    #

    A College Student’s Financial Success key

    Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

    As essential as it is to secure a part-time job to support your personal wants, you must be aware of the hidden regressors that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

    Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

    Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

    Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

    To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The broke college student has the ability to be financially successful, if means are taking to save more and use credit wisely.





    31/07/2017

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    Educational Travel and Student Tours #easy #click #travel

    #student travel agency
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    Educational Travel and Student Tours

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      29/07/2017

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    What credit score is needed to buy a car? #student #credit

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    Cars Blog

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    If you need to finance a new or used vehicle, pay close attention to your credit score. Lenders use it to determine the rate you’ll get on a loan or whether you’ll get a loan at all.

    Those with higher scores generally receive the best rates, and finding the cheapest possible financing is becoming more important as the amount and length of auto loans continues to grow.

    The average loan amount for a new vehicle in the third quarter of 2016 was $30,022, growing nearly 4 percent from the same period a year prior, according to data from Experian. For used vehicles, the average loan amount was $19,227, growing nearly 2 percent from the year prior.

    At the same time, average loan terms for new and used vehicles hit 68 and 66 months, respectively.

    The average credit score needed to buy a car

    Borrowers who received financing for a new car in the third quarter had an average credit score of 714. Those who borrowed funds for used cars had an average score of 655.

    Average Credit Score Needed to Buy a Car

    Type of Vehicle

    Average Credit Score

    Experian uses a credit score model of 300 to 850, with super prime borrowers at the top and deep subprime borrowers at the bottom.

    If your credit score doesn’t hit the average mark, you might still qualify for a loan. Nearly 23 percent of loan financing in the third quarter went to those with subprime and deep subprime credit (those with scores of 600 and below). Around 57 percent went to prime and super prime borrowers (those with scores of 661 and up). The rest went to the nonprime market, those with credit scores between 601 and 660.

    Still, subprime and deep subprime borrowers are continuously seeing less of the market share.

    “This quarter’s report shows that lenders are reducing the percentage of loans to the subprime and deep-subprime risk tiers while increasing the percentage to consumers with good credit,” said Melinda Zabritski, Experian’s senior director of automotive finance, in a press release.

    Car loan rates by credit score

    If you’re a super prime borrower with a credit score of 781 and above, you can expect to get the lowest rates. In the third quarter, super prime borrowers received a new car loan rate of 2.6 percent on average.

    But if you’re a deep subprime borrower with a credit score of 500 and below, you can expect to pay around five times more for a new car loan. Deep subprime borrowers received a new car loan rate of 13.53 percent on average.

    Average Car Loan Rates by Credit Score

    Credit Score Range

    What you can expect to pay

    The average payment in the third quarter on a new loan was $495 per month. For a used vehicle, the average was $362.

    Super prime borrowers financing a new vehicle will pay a little less. If that’s you, expect your monthly payment to land somewhere around $475, assuming you’re financing a $30,000 loan for 68 months at a rate of 2.6 percent.

    Deep subprime borrowers can expect to pay around $634, or $159 more for the same loan. They’ll also pay nearly $10,900 more in interest over the life of the loan.

    Before you shop

    If you fall in the subprime or deep subprime category, you’ll need to take some steps to improve your credit score if you want to receive the cheapest possible financing.

    Here are just a few ways to start improving:

    1. Pay all of your bills on time, every time.
    2. Keep your credit balances low.
    3. Open new credit only when you need it.

    It’s also important to check your credit report consistently for errors, regardless of which credit tier you fall into. You can pick up your free credit report at MyBankrate.com .

    Look for the best financing

    Once you start shopping, get quotes from multiple lenders and aim to get the lowest rate possible. Even a small difference in interest rate can have a significant impact on the amount you pay over the life of the loan.

    The bottom line

    While it’s possible to get a car loan with subprime or deep subprime credit, you’ll be better off financially in the long-run if you can wait out purchasing a vehicle until your credit improves.

    Putting a hefty down payment on a vehicle can also lift some of the financial burden of financing. Overall, prime and super prime borrowers receive the most car loans and the best rates.

    How we make money

    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.

    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.





    29/07/2017

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    How to land student travel deals (even if you – re

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    #

    How to land student travel deals (even if you re not a student)

    After a long semester of studying, writing papers and cramming for finals, it’s no wonder students are eager to get away. Whether it’s to party on Spring Break, visit family for the holidays or volunteer during a summer abroad in Europe . student travel has become an essential part of the college experience — but it doesn’t have to break your college student budget. In fact, many airlines, hotels and other travel vendors offer special discounted fares to students and youth travelers — and you don’t always need to be a student or younger than a certain age to take advantage of these discounted rates!

    Here’s the inside scoop on student and youth travel fares, and how you can snag them to score a cheap getaway.

    You can take advantage of student travel discounts — even if you’re not a student — to save money on your next trip (Image: Philip Taylor PT )

    What are student and youth travel fares?

    It’s no secret that college students and younger travelers don’t always have the largest travel budgets — but that doesn’t mean you shouldn’t be able to get away once in a while! Airlines, hotels and tour operators make it easier for students and youth to travel by offering exclusive and heavily discounted rates to this demographic. Student and youth travel fares may even feature more flexibility regarding change fees and refunds, too.

    Student travel deals can mean big savings when it comes to purchasing flights (Image: CollegeDegrees360 used under a Creative Commons Attribution-ShareAlike license)

    How do you find student and youth travel deals?

    Many large airlines, hotel brands, tour operators and other travel vendors offer student and youth discounts, and you can usually find information or check fares on their websites, or call their customer service departments. American Airlines is just one example of an airline that offers steep student travel discounts. If you don’t want to spend too much time researching each individual vendor’s student discount policies, though, you can always use a student travel agency to find the best rates available. One popular student travel agency is STA Travel . which covers a broad range of travel services (hotels, airfare, tours and train passes).

    Start seeing the world on a budget with travel discounts for students (Image: Patrick Pielarski )

    Do you have to be a student or youth to take advantage of these fares?

    Believe it or not, sometimes you don’t even have to be a student to land these killer travel deals. While student and youth fares are heavily marketed to these younger demographics, some student travel agencies have taken to offering their discounts to any and all travelers. Take STA Travel . for example. While their main focus is youth and student travel, they offer their discounted flight, hotel, rail and tour booking services to travelers of all ages. So, even if you’re not a student, you can take advantage of the heavily discounted fares and travel deals that the agency offers.

    Another student travel agency that offers discount fares to all travelers is StudentUniverse . which focuses primarily on student, youth and teacher fares but also offers “fares anyone can purchase,” according to the StudentUniverse website. This student travel agency offers discounted pricing on everything you need to go on vacation, including flights, rail passes, hotels, tours and activities. If you’re traveling in a group, you can also take advantage of StudentUniverse’s discounted group fares.

    What are you waiting for? Start packing your bags! (Image: iMorpheus )

    Every travel agency, airline, hotel and tour company will have its own rules regarding who is eligible for student and youth fares, but don’t assume you won’t qualify just because you’re not under 25 or enrolled in school. A little research into the rules could mean big savings when it comes to booking your trip.

    Have you ever traveled on a youth or student fare? Tell us about your experience in the comments below!





    24/07/2017

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    Student Travel – TWU Student Life Office – Texas Woman s

    #student travel
    #

    Student Travel

    STUDENT TRAVEL GUIDELINES

    1. All applications for student travel funds shall be reviewed by the Student Travel Fund Committee. The committee includes faculty, staff and one undergraduate and one graduate student that will be recommended by the Student Government Association (SGA) and be appointed by the Vice President for Student Life. This committee will report to the Vice President for Student Life, as well.
  • The committee will review and make allocations in keeping within these guidelines and funds availability. Applications that are incomplete, untyped or have errors, will be returned to the student for possible resubmission.
  • The Student Travel Fund Committee will meet four (4) times a year to review applications.
    1. Applications and the completion of travel must be made within the same fiscal year (September 1 through August 31). Students are allowed to apply for funds before or after travel has been completed. Click here for a link to the application .
    1. The deadline for each funding period is noted on the Student Travel Fund Application form, TWU’s Intranet introduction page, Pioneer Portal plus Faculty/staff and academic departments.
    1. Applications must be received by Beth Lewis, located in Jones Hall, 3rd Floor or PO Box 425380, Denton, TX 76204, by 5:00 p.m. on the date of the published deadline. The deadline date is final.
  • All student travel must be demonstrated to be beneficial to the University. A student must be enrolled at the university at the time of the application and at the time of the trip.
  • An effort shall be made to achieve balance in the allocation of student travel funds among graduate students, undergraduate students and the various components.
  • Applications for student travel funds shall be initiated by the student with proper endorsement at all appropriate administrative levels before being submitted to the Student Travel Committee. (See attached checklist.)
  • Applications must be typed. Twenty (20) copies must be submitted to the Student Travel Committee.
  • The director, chair or dean of the department may initiate the request in the event that it is impossible to identify in advance students who will be participating in a conference.
  • Reimbursement will be made on the basis of the submission of receipts and a copy of the award letter signed by the Chair of the Student Travel Fund Committee. Funds expended that exceed the amount awarded to the student will not be reimbursed.
  • A student can only be funded for one trip per fiscal year. (September through August.)
  • Funds available for travel from other sources (i.e. grants, scholarships, departments, etc.) must be disclosed on application in the section provided for estimated expenses. (See attached checklist.)

    STUDENT TRAVEL FUND

    Priority Guideline Categories

    1. Paper, poster or artistic presentation by students at international, national, and regional meetings with preference being given to students who are senior authors.
    2. Program/panel presentation by students at international, national, and regional meetings.
    3. Attendance by TWU students at international, national, or regional meetings where students hold office or have been selected to receive honors of international, national, or regional meetings of professional associations.
    4. Required attendance by TWU student representatives at international, national, or regional meetings of professional associations.
    5. Attendance by students at professional meetings where merit has been demonstrated.
    6. Travel related to specialized study programs of students. However, this does not include Study Abroad courses and specialized training courses.

    PROCEDURE FOR CLAIMING TRAVEL FUNDS

    In order to claim student travel funds, the student must:

    1. Apply and receive notification of award of funds through the procedure as described in the Student Travel Guidelines.
    2. Complete travel and save all receipts.
    3. Present award letter together with all receipts for expenses within two weeks following travel to: Beth Lewis, PO Box 425380, Denton, TX 76204 or Jones Hall, 3rd Floor. Otherwise, award may be disbursed to other applicants. Please Note: Reimbursement of funds and completion of travel must be completed within the same fiscal year (September 1 through August 31).

  • Reimbursement will be made on the basis of the submission of receipts, not to exceed the amount awarded. Total expenses should be identified.
  • If the amount allocated by the Student Travel Fund Committee is less than the actual amount expended, the traveler will be responsible for the excess amount.
  • Once the expenses have been verified expenses and the amount awarded, a check will be requested from the University Controller’s Office and will be mailed to the recipient.
  • For more information regarding student travel guidelines contact Beth Lewis at 940-898-3565.





    15/07/2017

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    Student Travel #cheap #travel

    #student travel services
    #

    Student Travel

    FROSCH Student Travel specializes in travel for the student, youth, educational and budget markets. From study abroad experiences to group travel, we offer a wide variety of options with an eye to keeping costs down and guiding young travelers through the intricacies of international travel.

    • Personalized Service Open or Close

    FROSCH Student Travel understands the needs, values, and wishes of student travelers, and we make it our job to get you where you want to go at the best price. We advocate for our clients, providing 24/7 backup to help resolve issues that may arise while abroad.

  • One-Stop Shopping Open or Close

    More than just plane tickets and hotel reservations, we also coordinate visas, car rental or train tickets, and tours and FROSCH Student Travel offers more than just plane tickets and hotel reservations. We also coordinate visas, car rental or train tickets, and tours and activities. We offer a wide variety of travel options and provide quotes from competing travel suppliers. Our clients save time and rest easy knowing that all aspects of their trips are being managed by expert consultants.





    15/07/2017

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  • Student travel #travel #pillows #for #airplanes

    #student travel
    #

    Student/Employee Travel

    Employee Travel

    Oregon Tech employees traveling on behalf of the university must submit the Driver Certification form. This form is to be completed annually and is valid September 1 – August 31. Employees are also required to complete the Travel Authorization and Travel Reimbursement forms to be submitted to the Business Office. When traveling with students, employees must also complete Student Travel paperwork.

    Student Travel

    Student Travel paperwork is required for trips OVER 25 MILES. For insurance purposes, Oregon Tech requires student travel paperwork to be completed 10 DAYS PRIOR to travel. Each trip requires only one Travel Approval Form and one Travel Itinerary/Emergency Contact Waiver Form regardless of how the students are traveling. Each Driver must complete a Driver’s Certification Form. This form is to be completed annually and is valid September 1 – August 31.

    For student travel related to an academic program (conference, academic club competition) assistance is available from an academic support staff person for making travel arrangements and payment. For student travel not related to academics (campus club, ASOIT) assistance is available in the Campus Life Office for making travel arrangements and payment.

    Hotel, Rental Car, Flight and Registration Fee must be arranged and paid for prior to travel. Receipts for parking, taxi, shuttle and/or fuel must be turned in for travel reimbursement. Student meals are not reimbursable. If a faculty advisor attends the trip, they may check out a travel card and meals may be purchased. Please keep in mind that students may only drive up to a 7-passenger vehicle and only 300 miles per driver per day.

    If student travel is international in nature, please contact Risk Management for more information and instruction.

    Class Field Trip Travel

    If student travel is international in nature, please contact Risk Management for more information and instruction.





    15/07/2017

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    Student Travel Services in D. C, MD, VA, PA, DE, WV

    #student travel services
    #

    Student Travel Services

    Traveling for education is becoming more and more popular. Giving students the experience to visit a new city or even country can give them the learning experience of a life time. Experience is a great teacher, from exploring the sub-culture of Washington, D.C. to touring Italy s historical architecture, student travel helps to open minds and broaden horizons. WorldTravelService offers student travel planning for Washington, D.C. Maryland, Pennsylvania, Delaware, and Virginia.

    Groups of 10 or more can reap the benefits of our customized travel services. Instead of putting your group in a pre-planned tour. we create a one of a kind agenda to meet all of your needs. You will have access to our services at every stage of your trip. Besides ease of planning, our student travel services include:

    Group Airfare booking flights for a number of people, especially students can be rather difficult to manage. Our relationship with our airline partners allow us to negotiate airfares, usually at rates lower than the typical promotional fares and without those difficult restrictions.

    Hotel Accommodations with our worldwide hotel program we are able to get our clients special discounts from over 47,000 hotels and with discounts of 20 to 65 percent off.

    Ground Transportation renting a vehicle for 10 or more people can be rather challenging, especially with students since most of them will fall under the age of 25. We have a direct link to ground operations in more than 60 countries, providing local on-site travel and accommodations at your final destination.

    Safety when traveling with students, safety is a major concern. Having the proper ratio of students and chaperones can help with student s safety but in the event of an emergency WorldTravelService offers Travel24 emergency support service. This 24-hour service links you to a live group travel agent any time of the day.

    All-Inclusive Student Travel Packages

    WorldTravelService also offers all-inclusive student travel packages. Remove the hassle of checking rates for lodging, meals, and attractions. Everything is booked and paid for ahead of time, leaving you worry free. All-inclusive packages eliminate guesswork and the need to stay on budget which is important when planning for students. Students won t need to worry about bringing enough money for food and transportation since it will already be planned and paid for. There is just one affordable price that includes airfare, hotel, food, drinks, and extras. There are no surprises when it comes to an all-inclusive package.

    Interested in Student Travel Groups?

    If you are interested in learning more about our student travel services contact one of our travel agents at 800-676-3796.





    15/07/2017

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    Student Travel #travels

    #student travel services
    #

    Student Travel

    Domestic Travel for Students

    Undergraduate students traveling within the United States on programs arranged by a student organization officially sponsored through the Divisi on of Student Affairs should be in contact with Student Affairs for information about applicable policies and procedures.

    Graduate students traveling within the United States for university-related purposes should be in contact with the department or center sponsoring the travel for information about applicable policies and procedures.

    All students are encouraged to book their domestic air and rail travel through Georgetown Travel Online (GTO).

    Forms

    International Travel for Students

    Be sure to read the Georgetown International Travel Policy carefully, and follow the guidelines provided in the policy checklists below for students:

    • Undergraduate student not participating in an OGE study abroad program or traveling with a faculty/staff group leader. Checklist
    • Undergraduate student traveling with a faculty/staff group leader. Checklist
    • Graduate student traveling with a faculty/staff group leader. Checklist
    • Graduate student wishing to travel to a country with a U.S. Department of State Travel Warning. Checklist
    • Graduate student traveling to a country without a U.S. Department of State Travel Warning. Checklist

    GU Travel Registration

    All students participating in university-related international travel are required to register their travel plans in the university’s online travel registration system.  Travel registration provides the university with the information it needs to locate travelers in the event of a crisis or emergency.  The university may not be able to assist or arrange evacuation for students, faculty and staff who do not register their travel.

    Travelers may register in either of the following ways:

    • Book your travel through either of the university’s preferred travel agencies: Georgetown Travel Online (GTO) or Anthony Travel.  Reservations confirmed and ticketed through these agencies are automatically registered.
    • Manually register by entering your travel itinerary into MyTrips.  MyTrips is a secure online system managed by International SOS .  A step-by-step guide for manually registering travel in MyTrips can be found here .




    15/07/2017

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    Student Travel #kpn #travels

    #student travel services
    #

    Student Travel

    FAQs

    Are students required to participate in the new travel program policy effective May 20, 2013?

    Yes, individual students traveling on university business that is not a group or study abroad program, or is not scholarship sponsored, are required to make their travel arrangements via the UT Austin Concur online booking tool or one of the university’s contracted travel agencies .

    Are there any additional rules I should keep in mind when planning student travel? Yes, you should familiarize yourself with certain rules before planning student travel. Visit the Vice President for Student Affairs Web site for detailed information and rules about student travel at the university. For student travel policy specific to international travel, visit the Study Abroad website. I frequently escort student travel groups. Is there a credit card designed for these types of travel expenses? Yes, JP Morgan Chase s Student Group Travel Card is designed for departments that escort student groups on official university business. Learn more about the Student Group Travel Card.





    15/07/2017

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    Water Quality Management Technology #two #year #program, #degrees, #certificates, #schools, #schools

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    Water Quality Management Technology

    We are now offering the FIRST Bachelor of Applied Science (BAS) degree in Water Quality Management Technology in Colorado!

    Get Connected

    Interested in our Water Quality Management Technology program? Fill out this form and we’ll contact you!

    Register Now for Spring and Summer 2017!

    Get your first pick with class schedules now! 15 week, online, and condensed classes available!

    Red Rocks Community College is committed to diversity in its people and programs. The College is an equal opportunity educational institution and does not discriminate on the basis of disability, race, creed, color, sex/gender, sexual orientation gender identity, religion, age, national/ ethnic origin, pregnancy status, veteran’s status, genetic information, physical or mental disability, or any other category protected by applicable law, in its employment practices or educational programs and activities.

    Advanced Manufacturing Careers in Colorado

    Visit our Advanced Manufacturing online hub for details on specific career pathways in these high-demand fields.

    Stay Connected

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    09/07/2017

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    International Student Travel and Medical Insurance Online #travel #search #engines

    #student travel insurance
    #

    Globetrotter – Overseas Individual Student Travel Insurance

    Key Benefits

    • Buy the policy in Indian rupees, which is 1/3 the cost of buying similar insurance abroad
    • Sum Insured options upto $ 500,000
    • Our plans are accepted by most of the foreign universities as a substitute for their compulsory insurance
    • We have partnered with leading US-based Health Care provider UnitedHealth International, to provide better health care benefits and services to be availed when in the US
    • Time saver: Saves time by enabling online extension of policy and quick cashless claim settlement through our tie-up’s with a vast network of hospitals across the globe.
    • Comprehensive Coverage: Overseas Student Travel Insurance plans introduced by ICICI Lombard cover unexpected medical and non-medical expenses during your study abroad.

    Know more about key benefits

    Key Benefits

    • Overseas Student Travel Insurance is now available with a continuous cover for 2 years (auto-renewal) Now cover your entire period of study and rid yourself of policy extension hassles with a policy duration of 365+365 = 730 days
    • Plans are available with second year (auto-renewal) extension option, thereby covering you for the entire period of study
    • Extend your policy 3 months in advance
    • Medical outpatient expenses covered subject to the policy coverage limits
    • No pre-medical check-up required for policy issuance
    • Affordable Pricing: 1/3rd the cost of similar insurance policies bought abroad.
    • Accessibility: Database of over 500 universities and issuance of instant digitally signed policy.
    • Global Tie-ups: Tie-up with UnitedHealth International, the global arm of UnitedHealth Group, one of the largest and most diverse health care companies in the United States.
    • Non-medical benefits: Covers Study Interruption and provision for a Two-way Compassionate Visit cover for parents.

    For more details, kindly refer to the Policy Wordings .

    Overseas Student Travel Insurance Plans.

    A comprehensive cover against medical expenses as well as other expenses such as repatriation of remains, checked-in baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and more.

    Overseas Student Travel Insurance Plans :

    A comprehensive cover against medical expenses as well as other expenses such as repatriation of remains, checked-in baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and more.

    The Plus Plan is an add-on cover to fulfill the various criteria of universities abroad. You can top up your existing student medical insurance with this plan to avail coverage which a standard plan might not offer.

    An Overseas Student Travel Insurance policy that covers you against sponsor protection, study interruption, compassionate visit, personal liability, bail bond, checked-in baggage loss and personal accident.

    View details of policy coverage





    17/06/2017

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    Educational Technology #engaging #activities,high #school #(grades: #9-12),language #arts,middle #school #(grades: #6-8),professional

    #

    CATEGORY: Educational Technology

    Posted May 2, 2017

    Sure, adolescents spend too much time “glued to their screens,” but why not turn that to your advantage — and theirs? Students love of technology can be a powerful force in language arts classrooms thanks to the possibilities of digital storytelling. Students’ beloved smartphones can be essential tools for sharing their unique thoughts and experiences

    Posted November 14, 2016

    Long gone are the days when high school seniors filled out individual applications online to each of their choice schools — and further gone are handwritten applications mailed out individually with enough time before the deadlines. For the past several years, prospective college students have been able to apply to their choice schools in a

    Posted October 31, 2016

    While PowerPoint remains an industry standard for creating effective and engaging presentations, several new and innovative options enable students and teachers alike to create presentations for in-person and virtual audiences. Presentation options used to be much more limited. Either we needed certain software or a specific computer type, or the cost was prohibitive. That’s all

    Posted September 13, 2016

    Today’s education models tend to focus on a child’s achievement deficits — if students aren’t reading at grade level, for instance, then teachers try to get them caught up. Mindprint Learning flips this model, using cognitive tests to identify children’s strengths and engage them in ways that compensate for their weaknesses. The goal: Let kids

    Posted April 6, 2016

    Stackup is a Chrome browser extension that measures students’ time learning on the Internet. “Teachers use Stackup to make free reading fun and accountable,“ said Nick Garvin, the company’s CEO. Browser extension measures the time students spend learning online by subject or website Students can use the browser extension to research subjects that interest them,

    Posted August 27, 2015

    Early childhood arts-based learning is suffering at many schools. Despite recognizing the benefits of art instruction, teachers have less time for creativity and fun during class time. School budgets for visiting artists are tight as well. Cutbacks appear to be nationwide and beyond. Canadian schools, for instance, are dealing with the same budgetary realities,” said

    Posted September 10, 2014

    Knowing how to calculate volume, area and perimeters isn’t just reserved for mathematicians, physicists and engineers. It’s an important skill that workers use every day in dozens of professions including carpenters, surveyors, landscapers, painters and architects. And it all starts with simple geometry. Geometry has been a part of most middle and high school math

    Posted September 2, 2014

    For generations of chemistry students, the Periodic Table of the Elements has been a must-have tool for solving science homework problems and completing classroom tests. Scientists developed the periodic table in the late 19th century to organize elements, the basic building blocks of ordinary matter, into a cohesive document that can be studied and shared. The

    Posted August 27, 2014

    Now is a great time to be a social studies or government teacher, thanks in part to a multitude of technology resources that can help educators engage students, promote classroom deliberation and develop rich K-12 lesson plans. An excellent example of those resources is the website C-SPAN Classroom, which provides high-quality, up-to-date teaching materials for

    Posted August 18, 2014

    Studying historical facts and figures has been a mainstay in elementary and secondary schools for generations. That’s especially true in government and civics classes, where students learn about the U.S. presidents and their places in history. But memorizing this information can be a monotonous task for some students. Fortunately, technology can help make that job

    Posted August 11, 2014

    One of the best ways to engage students in learning is to include multimedia in lesson plans. Audio, video and interactivity in lessons tend to keep students interested and help them retain the material better. That’s the idea behind the popular BrainPOP collection of educational websites, programs and animated movies. Since 1999, BrainPOP curriculum-based content

    Posted August 6, 2014

    For generations of K-12 students, a paper notebook or three-ring binder was a necessity for classroom organization. But thanks to technology, today’s students can cast aside paper organizers in favor of mobile apps that take classroom organization to a whole new level. Mobile organization apps let students combine lecture notes, study materials and classroom resources

    Posted March 21, 2014

    When Rod Powell’s school went one-to-one, giving a computer to every student, he was thrilled with the opportunity for professional development offered by the North Carolina school district where he teaches history. But he knew he wanted to learn about more than the machine. Powell wanted to know how to bring technology into his students’

    Posted March 6, 2014

    Melissa Techman is a librarian who knows her tech. And she’s willing to share. The Broadus Wood Elementary School’s librarian expands her reach beyond her home district in Virginia. She is on Twitter, Diigo, Symbaloo and Pinterest as mtechman, sharing tech tips and tools for educators. Techman first used technology in her library when she

    Posted December 19, 2013

    With the days of dusty card catalogs long gone, school librarians are taking a leading role in bringing technology into K-12 education. Promoting the importance of technology in education is just one of librarians’ many roles in schools. By serving as role models for technology use and demonstrating how technological resources serve students’ learning aims,

    Posted December 14, 2013

    Some exciting education technology trends appear poised to influence the classroom in new ways. They could give teachers access to a broader range of education options while helping students better prepare for the world they will face. Mobile apps Veteran teachers, new teachers and those training to become teachers are probably all familiar with mobile apps .

    Posted November 1, 2013

    With the costs of education skyrocketing, students can t pass up a chance for a free online textbook. Whatever the subject matter, these textbooks allow teachers to pass the cost savings on to their students and parents. Textbooks can be found for elementary students just beginning their education as well as for college students in specialized

    Posted July 29, 2013

    If you really want to integrate technology into the classroom, asking which apps are best for math or science is the wrong question. “There’s tons of great math apps if you are trying to skill and drill , but there’s more to technology than that,” said Jon Samuelson, best known as iPadSammy from his blog of

    Posted June 5, 2013

    Education is continuously changing, and so are the techniques. The visual literacy classroom is becoming a priority to keep up with digital technology trends in learning. The capacity, comprehension and communication of current students differ considerably from the student of 10 and even five years ago. The classroom environment must adapt to the students learning

    Posted April 29, 2013

    Education technology is at the forefront of discussions about how education will look in the future. Gaming technology and digital badges may play a significant part of that process. While there seems to be a growing reluctance to keep score in youth sports, a new way of tracking wins and losses may just be what’s

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    17/06/2017

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    Student ID – Discount Cards #insurance #good #student #discount

    #

    ISIC Student ID Cards

    ISIC BENEFITS + INSURANCE

    • The card offers a basic travel insurance plan including trip delay, baggage delay and more.
    • With 365 days of coverage, it is ideal for students traveling abroad for a semester of year.
    • Get discounts and benefits in over 125,000 locations.
    • Exclusive discounts on worldwide flights, including STA Travel’s BlueTicket fares.

    ISIC EXPLORER

    ISIC BENEFITS + INSURANCE

    • The ISIC Explorer International Travel Insurance is an amazing value at just $0.55 a day!
    • Offers an upgraded Explorer level insurance plan highlighted by Trip Interruption, Trip Cancellation coverage and more.
    • The comprehensive policy includes mental health coverage and adventure sports, like bungee jumping, hiking and skiing.
    • With 365 days of coverage, it is ideal for students traveling abroad for a semester of year.
    • Get discounts and benefits in over 125,000 locations.
    • Exclusive discounts on worldwide flights, including STA Travel’s BlueTicket fares.

    Am I Eligible?

    You can get your hands on an ISIC card if you’re a full-time student at school, college, language school or university. There’s no maximum age limit, but the minimum age is 12 years. ‘Full-time’ means 12 weeks or more of study during one academic year.

    Exclusive discounts with Isic

    Get hundreds of exclusive deals on products, services and experiences worldwide with ISIC! Check out just some of the many exclusives below, which can only be booked in person at any STA Travel store worldwide.

    Bridge Climb Sydney

    Hold on tight! This is “the” Bridge climb experience, a leisurely and breathtaking climb to the best views in Sydney. You`ll be escorted by professional guides as you weave in and out of the magnificent structure, and the views make up for wearing the silly climb suit!

    Bangkok city and temples tour

    This tour visits several magnificent temples in Bangkok; the three most unique ones are Wat Traimit, Wat Pho, and Wat Benchamabophit. Wat Pho, being the infamous reclining Buddha. This tour is intended to give an orientation of the city whilst visiting these breath-taking temples.

    Skydive Auckland

    At Skydive Auckland we offer the highest tandem Skydive in New Zealand’s North Island, where you can jump from a thrilling 16,500ft! Attached to your instructor you will freefall for 75 seconds at a speed of 200+ km/hr with stunning views of both the east and west coasts of New Zealand, rainforests, beaches and of course, Auckland City. Ready to throw yourself out of a perfectly good plane?

    What is the ISIC card?

    The International Student Identity Card is a world-recognized student ID which provides discounts on travel, shopping, accommodation, food, entertainment and transport.

    I’m not a student, can I still apply for an ISIC?

    No, but if you are 30 or younger you can apply for the International Youth Travel Card (IYTC). which offers discounts on travel, lifestyle and entertainment in over 133 countries.

    Phuket Phi Phi Khai Island by speed boat

    See the best of the islands around Phuket, including the “Beach” where the movie was filmed, in this jam-packed day tour, which includes snorkelling, optional diving, a delicious buffet lunch, monkeys, reefs and fish-feeding. The ultimate island tour brimming with sun, sea and sand.

    Baz Bus: Cape Peninsula Tour

    Vitalise your body and feed your mind with guided commentary, fabulous scenic cycling and easy hiking. Cruise through Camps Bay beach surrounded by the 12 Apostles. Visit the harbour of Hout Bay for a “wake up” snack. See the penguins at Simons Town and end up in Cape Point for an exhilarating cycle. Enjoy a delicious picnic alongside the ocean and a leisurely stroll to the southwestern most point of Africa.

    Singapore City Tour

    Experience the history, culture and the lifestyle of multi-racial Singapore, the exciting heart of New Asia-Singapore. The tour includes, pick up and drop off from/to hotel English speaking guide with commentary and an entrance ticket to the National Orchid Garden.

    Mount Fuji and Hakone National Park

    Journey by coach to Mount Fuji – where the views on a clear day from the 5th station are mind-blowing. But there`s more to this trip, how about a cruise on Lake Ashi or a cable car ride up Mt.Komagatake?

    Like STA Travel? Spread the word!

    AIRFARE TERMS AND CONDITIONS:
    Sample airfares posted on statravel.com are per person and include all applicable taxes, fees and surcharges including, but not limited to: September 11th Security Fee of up to $5.00 for each flight segment originating at a U.S. airport; Passenger Facility Charges of up to $18, depending on itinerary; Federal Segment Fees of $3.90 per segment; airline-imposed fuel surcharges of up to $800; foreign and U.S. Government-imposed charges of up to $400 per international round-trip flight; and STA Travel Booking Fees of up to $20; Taxes, fees and surcharges vary depending on routing, cabin of service, and destination. A flight segment is defined as one takeoff and one landing. Fares are subject to availability and change without notice.

    Any airfares shown on this page reflect airfare recently seen and/or purchased at statravel.com and were valid at time of publication. Prices may vary based on availability, routing, fluctuations in currency, and day of week. If the listed airfare is not available, different fares and/or airlines may be offered. Any airline logos shown, if applicable, reflect the ticketing carrier for recently seen and/or purchased fare. Many air carriers offer itineraries include codeshare service with other air carriers, including foreign carriers and/or commuter carriers operating turboprop aircraft. Any codeshare service, if applicable, will be display on the flights results page immediately after an airfare search.

    STA Travel provides air tickets for customers of all ages; however, some of our airfare is available just to full-time students, Teachers at accredited schools, and youth travelers under the age of 26. These special fares may have age restrictions and/or other eligibility requirements including possession of valid ID Cards. Additional airline imposed fees for optional services including baggage. seat assignments, meals and other products may apply and are payable at check-in.

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    15/06/2017

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    Find And Compare Student Travel Insurance #tickets #for #cheap

    #student travel insurance
    #

    Student travel insurance

    If you are a student planning a long summer trip abroad, or even a gap year between studies, then insurance is probably the last thing on your mind. But travel cover is essential whether you are heading to Europe for a few weeks or venturing further afield for several months.

    Of course, you might think you can set off without student travel insurance, especially if you are young and fit with few valuables in your back pack. But could you really afford to replace your iPod, camera and holiday cash if they were stolen? And remember that medical treatment abroad can run into hundreds of thousands of pounds.

    Do I need an EHIC?

    Anyone travelling within Europe should apply for a European Health Insurance Card, which entitles the holder to the same emergency care as a local resident. But the EHIC is not a substitute for student holiday insurance, as local care is not always free and not always of a high standard. The EHIC also does not cover repatriation to the UK in a medical emergency.

    You can apply for the card online at www.ehic.org.uk. or by calling 0845 606 2030.

    Check the levels of cover

    It’s not always easy to work out how much cover you need. But MoneySupermarket recommends that your student travel insurance should include medical cover of at least 2m, in case you fall ill while you are away. You should also make sure your insurance includes the cost of an air ambulance in case you need to be flown home.

    Personal liability insurance of 1m is essential. Plus cancellation and curtailment cover of at least the value of the trip. Insurance for your baggage and personal belongings will pay out if, for example, your backpack is lost, stolen or damaged. But check the single item and valuables limit as most firms cap the amount that you can claim for one item. There will also be a limit on the amount you can claim for lost or stolen cash.

    Catastrophe cover protects travellers against the financial repercussions of a disaster such as the recent volcanic ash clouds. It’s also sensible to find a policy that includes end supplier failure in case the airline or travel company goes bust.

    Travel insurers offer European or worldwide cover. European cover is typically cheaper, but you should always check whether your destination is classed as European as definitions can vary.

    Single trip or annual cover?

    Students can usually buy single trip or annual travel insurance. As its name suggests, a single trip policy covers just one trip, usually up to a maximum of 31 days. If you buy an annual policy, you can go away several times in any one year without having to arrange insurance each time. It’s worth comparing prices for both types of policy, but as a general rule, if you plan two or more trips a year, or you are heading long haul, then an annual policy usually works out cheaper.

    Gap year travel insurance

    If you are planning a gap year, you will need a policy that lasts as long as your trip. A variety of insurers offer cover for backpackers and it can run for a year or more. You should also check that your policy covers every destination on your journey, even if you are only passing through.

    Extreme sports

    Many students undertake extreme sports or adventurous activities while they are away. Of course, they are great fun, but they can also be risky, so it’s essential that your policy will pay out if you have an accident while you are white water rafting or wrestling with alligators. You will find a list of insured activities in the policy documents, but if in doubt, ask your insurer.

    Working abroad

    Some travellers work while they are abroad, perhaps to help fund the trip. Gap year travel insurance typically covers employment overseas, but manual work is often excluded. Again check with your insurer if you have any questions. Many insurers will also allow one or two return trips home under your policy, which can be useful if you get homesick, or perhaps need to break off from your travels for a family wedding or other occasion.

    Take care of yourself

    It’s important to remember that a student travel insurance policy is not a licence to go mad: you still have to take care of yourself and your possessions. Few insurers will, for example, pay out if your bag is stolen from the beach while you are supping in a nearby bar. And talking of bars, insurers can refuse to pay a claim if you were under the influence of drink or illegal drugs at the time of the incident.

    Save money on student travel insurance

    Probably the easiest way to cut the cost of your student travel insurance is to compare prices. MoneySupermarket’s free independent comparison service can help you to find the best policy at the best price – all within minutes.

    Student travel insurance can cost less than 10 for a single trip in Europe. But remember that the cheapest policy is not necessarily the best as the cover could be patchy, or the claim limits could be low. It’s also worth finding out about the excess, which is the amount you have to pay towards each claim. You often pay a lower premium if you agree to a higher excess. But if you can’t afford the excess, why bother with the insurance?

    Essential documents

    Insurance is not the only essential travel document. You should also make sure you have a passport that is valid for at least six months beyond your return date, plus any necessary visas. You can get advice from the Identity Passport Service website. or call 0300 222 0000.

    Always keep your passport safe and make a note of the number, date and place of issue in case it is lost or stolen. It’s also a good idea to take with you a back-up form of identification, such as a driving licence.

    Tips for a successful trip

    Visit your GP as soon as possible so that you can organise any jabs or stock up on malaria tablets. If you are taking any prescribed medicine with you, make sure it is legal in the countries you plan to visit. And always keep it safe and in its original packaging.

    Set up a secure email account so that you can regularly keep in touch with friends and family.

    Book your accommodation for at least the first night to give you time to familiarise yourself with your new surroundings.

    Stay away from drugs as the penalties for the possession or supply of drugs can be harsh in some countries.

    Wear a high factor sun screen and avoid over exposure to the sun, especially during the middle of the day. And drink plenty of water.

    Stomach upsets can ruin a holiday, so take sensible precautions. Find out if the local tap water is safe to drink and check that all food is properly cooked.

    It’s a good idea to take condoms with you because they are not always readily available abroad and might not meet British quality standards.

    What to pack

    • Keep clothes and valuables to a minimum but try to find space for the following items in your luggage:
    • First aid kit
    • Mosquito net
    • Insect repellent
    • Water bottle
    • Water purification tablets
    • Universal adaptor
    • Travel plug
    • Wet wipes and hand gel for hygiene
    • Travel sewing kit
    • Small padlock
    • List of useful contact numbers

    To compare travel insurance for students click on the link below or hit the button at the top of the page. Compare student travel insurance





    13/06/2017

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    Australia Student Travel Trips #travel #network

    #student travel australia
    #

    Australia Expedition

    With roughly the population of metropolitan New York City and the landmass of the continental United States, Australia is the most sparsely populated continent on the planet after Antarctica. Its isolation for millennia allowed unique ecosystems and cultures to thrive. Explore rain forests, deserts, and the world’s largest coral reef, observing and documenting fascinating wildlife along the way. Meet members of the Aboriginal community— the world’s oldest living culture—which settled here more than 50,000 years ago. Experience Australia through the lens of your On Assignment project: Photography or Wildlife Biodiversity.

    + CLICK TO MAP TO ENLARGE

    Sydney

    The expedition begins with an orientation in the vibrant coastal city of Sydney. Break into teams to begin working on your On Assignment project. Browse a photo exhibition at the State Library of New South Wales, explore the lively Rocks district, and take in spectacular views of the iconic Sydney Opera House and Harbour Bridge. Attend a game of rugby or Australian rules football, or go surfing at Manly Beach. Meet your first koalas and kangaroos at the famous Taronga Zoo, or visit the Sydney Aquarium to get acquainted with the marine life you will encounter on the Great Barrier Reef.

    Uluru and the Outback

    Days 6-10

    Fly from Sydney to Alice Springs and begin your journey through the Outback towards the largest monolith on Earth, Uluru (also known as Ayers Rock). Steeped in mythology, this colossal piece of sandstone rises abruptly from the desert plain. Trek between the giant rounded domes of the adjacent Kata Tjuta on the lookout for bright green ring-necked parrots. Visit an Aboriginal community at Wallace Rockhole for a guided tour through ancestral lands, and learn about the traditional craft of dot painting before trying your hand at the art form. Plunge into the cool and refreshing waters of the Ellery Big Hole, examine ancient rock art and medicinal plants, and listen to Dreamtime stories told by our Aboriginal guides. Through the lens of your camera, use the barren landscape to practice working with depth of field, and spotting dingoes, red kangaroos, and majestic wedge- tailed eagles that inhabit this otherwise still scene. Set up camp in the bush, help collect firewood and prepare dinner, and sleep under the stars. Spot the Southern Cross and Scorpio, and learn a whole new set of Southern Hemisphere constellations.

    Queensland and the Great Barrier Reef

    Days 11-20

    I loved visiting such a wide variety of environments—from the outback to Sydney to the reef to the rain forest— and had such unique experiences in each one.

    Heather M. Australia, 2015

    Fly to the northern Queensland city of Cairns, and transfer to Port Douglas, our hub for exploring the Great Barrier Reef. Set out on a private boat for a two-day snorkeling adventure with marine biologists. Anchor at the outer reef and snorkel along brilliant fields of coral. Spot sea turtles, giant parrotfish, harmless reef sharks, and maybe even a migrating humpback whale. Gain insights about the reef from the marine biologists on board, and learn about the threats to this unique ecosystem and the efforts being made to protect it.

    Back on land, head north into the 125 million-year-old Daintree Rainforest. Hike through the lush vegetation to see cassowaries, crocodiles, tree kangaroos, and other endemic wildlife. Spend the night in a jungle lodge and encounter the native species of the surrounding rain forest, wetlands, and reef.

    Wind down on the coastal side of the park on the white-sand beaches of Cape Tribulation. Explore a mangrove habitat where the jungle meets the ocean and kayak along the reef. Trek out to the farthest point of the cape in search of whales and other marine life passing by. Return to Cairns for the final night and present your On Assignment project to the rest of the group. Celebrate your adventure with your fellow participants before flying home.





    11/06/2017

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    Student Flights, Student Airfares – Travel Deals #stein #travel

    #student travel deals
    #

    Save $10 Instantly on Student Travel Deals

    Get Promo Code and get up to $20 off

    our fees. ◊

    Applies to bookings for 4+ travelers. Book by November 30, 2015.

    Student Flight Deals

    As a director of an international faith-based non-governmental organization, I do a lot of international travel. My recent trip from Canada to Cambodia was the smoothest trip I have ever had! The connection times meant I had short layovers at all stops. All flights were on time, and the trip was flawless. Thank you OneTravel.

    Latest Stories from the OneTravel Blog

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    As holiday shopping season ramps up and Small Business Saturday approaches, I fi [. ] – Jen Westmoreland Bouchard   Fri, 27 Nov  2015 Read More





    27/05/2017

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    Student Travel #cheap #flights

    #student travel services
    #

    Student Travel

    FROSCH Student Travel specializes in travel for the student, youth, educational and budget markets. From study abroad experiences to group travel, we offer a wide variety of options with an eye to keeping costs down and guiding young travelers through the intricacies of international travel.

    • Personalized Service Open or Close

    FROSCH Student Travel understands the needs, values, and wishes of student travelers, and we make it our job to get you where you want to go at the best price. We advocate for our clients, providing 24/7 backup to help resolve issues that may arise while abroad.

  • One-Stop Shopping Open or Close

    More than just plane tickets and hotel reservations, we also coordinate visas, car rental or train tickets, and tours and FROSCH Student Travel offers more than just plane tickets and hotel reservations. We also coordinate visas, car rental or train tickets, and tours and activities. We offer a wide variety of travel options and provide quotes from competing travel suppliers. Our clients save time and rest easy knowing that all aspects of their trips are being managed by expert consultants.





    25/05/2017

    Posted In: NEWS

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