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Month: September 2016

Funding Your Bachelor Degree Education

Funding Your Bachelor Degree Education

For the average working adult, going back to school can be one of the largest investments he will make in his life. But if you have some time before you pursue your studies, instead of applying for a bank loan, why not let time and capital work for you. Even if you plan to pursue a bachelor degree in the near future, say, in three years more, you can still save for it.

First of all, you need to have a target amount. Usually, the course fees represent a large portion of the cost. Other costs are examination fees and living expenses for those who come from other towns.

Some students may choose to study full time so that they can focus on their studies. In this case, if your employer doesn’t give you paid time off to do your studies, your budget will increase significantly, as you now have to account for your entire living expenses. In addition to that, you’ll still have to continue paying for things like insurance, car, mortgage, credit card as well as utility bills.

However, expenses can be higher if the course is done part time, as the person has less time to devote to his studies. As a result, he may have to prolong the program or even have to re-sit some papers, which means additional examination fees.

How much time you have to put aside the money depends on when you plan on taking up the program. When is the ideal time to start? To get more out of a bachelor degree, it would be good to have real world working experience of two to three years, on which to reflect upon when you’re doing the units.

At least three years of working experience would be good but you shouldn’t wait too long as the motivation level will drop. Even if you commence your studies in three years, you don’t have to pay the money in one lump sum. You can save through the study period as well which, gives you more time to accumulate funds.

Many education centers and colleges have worked out interest free schemes that you can use to your benefit. You can let your money work for you while you use the interest free payment option.

There is also an option for students to pay their fees in the monthly payments over the period of study and if the amount is paid in a lump sum, students are given a rebate. Another option is a scheme in collaboration with a bank, where students pay few hundred dollars at the start of the program and nothing else for two years. Thereafter, they have the option to repay in installments upon completing their studies.

Finally, you need to work backwards; given the number of years, inflation rate and a projected rate of return to come up with how much you need to put aside regularly. However, inflation may not have a large impact if your study period is short.

Once …

SEARCH INSIDE YOURSELF, Increase Productivity, Creativity and Happiness by Chade-Meng Tan

SEARCH INSIDE YOURSELF, Increase Productivity, Creativity and Happiness by Chade-Meng Tan

Chade-Meng Tan is a Google engineer who with the assistance of some Zen Masters and some friends, devised an extraordinary mental program: Search Inside Yourself. Chade’s work at Google has been science-based, developing the incredible programs that go on inside Google headquarters. Google has long been at the forefront of creativity, thinking of new ways to do things. This easy-going, unpressured work-environment has led to many of the innovations from Google.

Daniel Goleman the author of Emotional Intelligence went to Google headquarters to give a talk on that subject. He was surprised that so many engineers and technical people turned up to listen to his talk. Chade saw that at the heart of emotional intelligence was knowing yourself. And the best way to know yourself — what goes on inside your head — is through mindfulness meditation.

Google executives approved of this development, and it has become a regular part of the Google culture. Chade wanted the public to experience the benefits of this course, and so with help from some other experienced meditators, developed the program explained in this book.

Chade became interested in meditation after reading about tests that revealed all the physical, mental, and spiritual benefits of meditation. He decided that, with the approval of his Google leaders, to introduce a method of releasing the mind from artificial restraints.

The basis of this program is Mindfulness Meditation.

Even if you just read this book, you would learn a lot of useful mental techniques, but by following the Mindfulness Program, you will develop your mental skills, and at the same time, lay a foundation of calmness, objectivity, and inner knowledge.

Chade writes: “Meditation, at its simplest, is the training of attention. With enough meditative training, one’s attention can become unwaveringly calm and focused. With that enhanced quality of attention, one’s mind can easily, and for extended periods, become highly relaxed and alert at the same time. With that combination of relaxation and alertness, three wonderful qualities of mind naturally emerge: calmness, clarity, and happiness.”

You will soon see the benefits of following this practice. Chade gives lots of simplified ways of doing the meditation, which can be done sitting, walking, or listening. You can start by just doing a one-breath meditation each day. As simple as that.

This book contains a lot of little cartoon drawings related to the text. I found them a bit distracting, and not particularly useful, but someone else may find them amusing. Don’t let them put you off the program.

All in all the book is a great introduction to mindfulness meditation, an elementary, well-explained course in a single book.

Search Inside Yourself, has been taught at Google headquarters for the past eight years. No wonder they never run out of new ideas.…

Famous Accountant – John Grisham

Famous Accountant – John Grisham

John Ray Grisham was born in Jonesboro, Arkansas on 8th February. His father was a construction worker and mother was a homemaker. After moving to several places his family finally settled in Southaven, Mississippi, in 1967. During his childhood days, he had an ambition of becoming a proficient baseball player. He also struggled to get into the Delta State University team, but failed. He then realized that he did not have the perfect skills and eventually shifted gears into an accounting career. He attained a Bachelor of Science degree in accounting from Mississippi State University in 1977. He also earned his Juris Doctor degree in 1981 from the University of Mississippi School of Law.

He started his law practice and continued this practice for almost 10 years in Southaven, specializing in personal injury litigation and criminal defense. During law practice, he came into politics when he was elected as a democrat to the Mississippi's State House of Representatives in 1983 and handled his responsibility until 1990. In his second term, he was became vice-chairman of the Apportionment and Elections Committee, and Was a member of the Judiciary A, Military Affairs Committees and Insurance. His political life was going absolutely fine, but after some time he felt boredom due to slow pace of state legislature. Soon, his life turned to a new path when Grisham witnessed the shocking evidence of a twelve-year-old rape sufferer. This incident inspired him to write a novel highlighting on the subject – discover what would have occurred, just if the girl's father had killed her attackers.

Starting a novel along with a responsible job was easy but he managed to do it and took three years to complete this novel named A Time to Kill. Grisham finished the novel in 1987 and got it published in June 1988 after number of rejections by publishers. The day Grisham completed his first novel 'A Time to Kill', he began to write a next novel named 'The Firm'. It was about a young lawyer attracted to an actually law firm that was not actually what it seemed. By the time his 'A Time to Kill' was already a grand hit. Quickly, he came on the map after he sold the rights of 'The Firm' to Paramount amount to $ 600,000. Grisham's writing profession took the fast pace and earned reputation as the master of the legal thriller.

The Pelican Brief, his next creation hit number one on the New York Times bestseller list. Grisham's success took another gear when A Time to Kill was reprinted in the hardcover by Doubleday and then in paperback by Dell. Grisham and his wife Renee have two children Shea and Ty. Grisham and his family split their time between a plantation near Charlottesville in VA and their Victorian home on a farm in Mississippi. Apart from writing Grisham also supervised most of his time in different charitable causes. He contributed for Gulf Coast relief due to Hurricane Katrina. He is still in touch …

The 3 Idiots of the Education System

The 3 Idiots of the Education System

“I am beginning to suspect all elaborate and special systems of education. They seem to me to be built up on the supposition that every child is a kind of idiot who must be taught to think”. ~ Anne Sullivan.

I was conducting a Discover Your True Calling workshop at IIM, Indore last week. I had the afternoon free and decided to see the much acclaimed, high-grossing Bollywood movie – “3 Idiots”. I thoroughly enjoyed the movie, largely because it is a complete indictment of our education system. The message was strikingly similar to the theme of my workshop.

The film is about three students who do not really fit into the prestigious engineering college and are considered idiots by their professor. However, the movie clearly shows who the three real idiots are – the educational system, the teachers and the parents. Reflecting on the movie on the flight back to Mumbai, I realized that any real change in education is possible only by transforming these three constituencies.

Idiot #1 – The Education System:

Our current system is performance-oriented rather than mastery-oriented. The emphasis on examinations forces students to learn by rote. They focus on scoring high marks rather than investing the time and energy to understand the subject in depth. A system where true geniuses like Einstein and Ramanujan are considered poor students really needs its head examined. In the movie, this is brilliantly brought out by Aamir Khan playing Rancho – the truly outstanding engineer who goes beyond the book to gain mastery.

Idiot #2 – The Teachers:

Our current system of pedagogy is faculty-led and follows a fixed curriculum. The average teacher assumes that there is one right answer and that (s)he knows the answer. It is the rare teacher who has the ability to facilitate rather than teach, to nurture rather than preach and to support students who stray from the well-trodden path in search of creative ways to learn. Boman Irani as Viru Sahastrabuddhe does a superb job of bringing to life a dogmatic, highly competitive, over-confident college professor – the antithesis of an ideal teacher in every way.

Idiot #3 – The Parents:

When India’s HRD Minister Kapil Sibal suggested scrapping of the 10th grade exams, parents were the first to stand up against the proposal. Parents want their children to be at the top of their classes, get admitted to the best colleges and follow traditional career options – engineering, medicine, management and the like.

Parents rarely encourage their children to discover their true passions and pursue mastery rather than mediocrity. The movie’s middle class Quereshis, who want their son to be an engineer, and the poorer Rastogis, who see education as a way out of poverty, are typical of today’s Indian parents. They would probably be the toughest nut to crack.

The 21st century calls for talented people who are masters in their chosen fields of work. It calls for collaboration among passionate individuals, from different disciplines, to address the truly challenging …

What Rich People Know and Desperately Want to Keep Secret

What Rich People Know and Desperately Want to Keep Secret

It is natural to hide one’s source of success. The tendency to make the source secret is even high(er) when it comes to money-making. That is why the rich would not like to disclose their financial-success secret. But the good news is that there is revelation of the whole secret in this text entitled “What Rich People Know and Desperately Want to Keep Secret”.

Brian Sher, the author of this text was born in South Africa, and moved to Australia in high school. Sher obtained a degree in Marketing from the University of New South Wales.

His subsequent business travels overseas aroused his interest in consultancy, and after spending two years in Los Angeles, he returned to Australia and formed his own company, specialising in marketing and business-growth strategies.

Working with businesses, one of his major clients offered to partner him in a new venture – Vision Publishing. Under Sher’s direction, Vision Publishing experienced phenomenal growth. His extensive network and strong reputation as one of Australia’s most-dynamic and exciting marketers made him an active and sought-after business coach.

According to the author, most people dream of being rich; they imagine what it would be like to have more money than they know what to do with. Sher adds that for a brief moment, they leave their reality by playing ‘make-believe’. He says for most people, this is as far as they will ever get with this dream, and they will quickly snap back to inaction, for fear of stretching their boundaries too far.

Sher submits that a relative few people set off on a different journey, a journey so challenging and demanding, yet so exciting that it brings new life and new meaning. He adds that in the end, unfortunately, many of these dreams are also shattered as a result of not knowing what rich people know.

This author thus shares with you in this book, the basic but powerful principles of success and takes you on a journey towards personal and financial riches. Sher reveals what the world’s richest people know that everyone else does not know, and offers you tips for enriching your life and enhancing your bottom line. According to him, businesses and people succeed because they do the basics well, and in most cases, not because of luck, clever finance, extreme technology, or running ahead of the pack.

This book has six parts of 44 chapters. Part one generically focuses on the basics of success, and contains four chapters. Chapter one is based on what riches are and what rich people do. Sher says almost everyone you meet wants to be rich momentarily. He educates that the truth, however, is that being truly rich in life is not just about having more money.

Sher expatiates that being truly rich in life means having many other things more important than money, such as more fulfilling and rewarding relationships, good friends, a satisfying career, etc.

On how the rich people make all their money, the author reveals that …

Market Technology: The Missing Link

Market Technology: The Missing Link

Although many, aspects of Industry have morphed and changed over the last, few decades, there are several outposts that continue to find their way. In spite of technological advances, process improvements, changing Market and Customer demands, fierce Competition and even the advent of the Internet and powerful, Marketing platforms – like LinkedIn, Facebook and Twitter – the prevailing mindset has not changed dramatically.

In 1981, we submitted a manuscript to Harvard Business School for review and consideration. It was titled, “Market Technology: The Missing Link.”

It certainly would not rival Ted Leavitt’s “Marketing Myopia,” however Market Technology approached the fundamental issue differently and distinctively.

The actual manuscript was a “library of congress” class of document complete with concept overview, relevant models, heavy detailed, descriptors, case examples to demonstrate that the stuff had been applied to the real world, etc.

In its raw form – Market Technology advocated that companies must treat their marketing, sales and business development needs similarly to the way core engineering and product development are handled. Determining the right response and the right mix for a company’s marketing and sales programs is no different than determining a company’s products and services. In fact, conceiving effective programs is as complex and critical to the company’s success, as conceiving its product set. This meant that the Marketing discipline and process need to be integrated into the business. In fact, with small-to-medium, sized companies – the Market Program – is classified, as critical – in that, it could make or break a company.

For smaller firms – they must get it right – out-of-the-gate, and may not get a second chance.

This is one aspect that distinguishes smaller companies from their larger counterparts – as the larger firm can absorb a missed opportunity or loss more readily.

How many companies have you been associated with that thought and operated this way?

Market Technology represents a Mindset, framework, methodology, process orientation and an implementation -ready, program all rolled-up in one, complete package.

In your company, what role does Marketing play?

Most, will respond by indicating that Marketing plays a support role for either the product/service or to provide mainline support to the company’s Salesforce or Distribution Network (Channel Partners).

Reference will be made to Trade Show support, MarComm, collateral material, brochures, data sheets and even the dreaded “lead generation program.”

In your company, what is the stature of Marketing?

There are exceptions (depending on the Industry and Company make-up), however most will indicate that it is not a Leadership role (although the Marketing Team wants it to be).

What is the missing ingredient?

Is it that Senior Management did not come from the Marketing discipline and will not give it its day and cut it loose?

Is it that companies have experienced too, many false starts with their Marketing Program or it just doesn’t work?

Is marketing too, risky and costly compared to making investment in other areas of the company?

Is marketing viewed, as a luxury vs. a mainline contributor?…

Is it Love Or Control?

Is it Love Or Control?

Has anyone ever said to you, "If you loved me, you would do what I ask?" If they did, I imagine it felt like a "guilty trip." "If you love me, you should do what I want," is control. It is coming from the person's fear and not their love. This is one common way people abuse the concept of love.

For example, when Steve and Amy were married, they were not interested in practicing religious rituals. Two years later, Steve suddenly told Amy, "I want us to celebrate the Saturday Sabbath. I do not want us or anyone else working here that day." Amy, a very free spirit, was shocked. She was never considered, and there was no discussion. When she protested, Steve said, "If you love me you will do this for me."

Needless to say, Amy was furious. She did love her husband, and she felt her objections to his demand had nothing to do with love. Since his desire affected her, she felt it was appropriate for her to have been included in the decision. Can you relate to Amy?

It would have been different if Steve had approached his wife with his wishes and asked her how she felt about it. Together, they could have come up with a win-win solution. That is the healthy, loving couple. When you are emotionally mature, and you truly love someone, you want them to also be happy.

In another case, without consulting her husband, Tom, Gabrielle quit her job with the intention of enrolling in college classes. The couple had purchased a home based on both of their incoming. Here was upset because he was told after the fact, and he felt burdened with all the expenses. Gabrielle told Tom to get a second job. "If you love me," she said, "you would support me to follow my dream."

The car mechanic was extremely resentful. He was coming home at night very tired from his long day at work and had no desire to pursue another job. However, Tom felt guilty for not wanting his wife to go to college at that time. However, he would have preferred that Amy had discussed her wishes with him and made a request instead of a demand. There were also other options including her working part-time or waiting a few years until they had a stronger financial base.

In both cases, the relationships suffered from the unhealthy dynamics. Love and control are on the opposite side of the emotional spectrum. Control is fear-based and love is obviously love based. True love is unconditional, and we do not have to keep proving that we love our partners. We always want to discuss things together and make decisions as a couple and not unilaterally.

I suggest that if your partner says, "If you love me, you would do what I say," you can reply, "I love you, and we can say that we can both feel comfortable with what we Decide. That is …

The Training and Skills You Need to Become a Criminalist

The Training and Skills You Need to Become a Criminalist

Criminalistics is part of forensic science. It is the forensic science that deals with analyzing and examining physical evidence. A criminalist works in a crime or forensic lab.

This is all well and good, but what should the aspiring or future criminalist know? What training and skills should he or she possess? In this article, I examine the training and skills needed to become a criminalist.

Training:

This is a criminal justice profession where education is important. Those interested in becoming criminalists must be ready to acquire a college education. The minimum educational requirement by most hiring organizations is a bachelor’s degree. A bachelor’s degree will take you about 4 years of college to complete.

Your choice of major for your bachelor’s degree is also important. More and more, the preferred major is becoming forensic science. Some colleges have responded to this requirement. They now offer major in forensic science to meet the needs of future professionals who want to concentrate in this line of work.

To even narrow the field further, some schools offer major in criminalistics. While the forensic science major covers other areas of forensic science, the criminalistics major is a little more concentrated in this area of study.

Other majors that can qualify one to become a criminalist are chemistry, biology, or physics. These are the natural sciences that deal a great deal with laboratory work. This laboratory work background helps in crime or forensic lab work.

It is important to point out that a criminalist must make continuing education part of his or her career. This is to keep them abreast of the latest methods and techniques of doing their job.

Skills:

There are skills needed to become a criminalist. There is no point in embarking on a bachelor’s degree to become a criminalist if you lack the skills to get the job done. If you lack the skills, you will only be frustrated. This frustration can lead you to want to quit and wonder why you got in the profession in the first place.

Below are important skills I feel you need to become a successful criminalist:

1. You must be analytical in nature. This involves the ability to look at different sides of an issue. You can’t run with the first answer you see. You must question if there are other answers and then eliminate the less plausible while keeping the most promising for further analysis.

2. You should enjoy doing research. This will involve a lot of information or data gathering. You must know where to go for this information or data. Then when you get this information or data, you should know and keep the ones that are essential to your case.

3. You should enjoy doing documentation. The criminalist may be called to court to present his or her finding. This finding must be well documented to stand scrutiny in the court of law. Otherwise, the finding will be thrown out of court.

There you have it—-the training and skills …

Do You Really Expect Something for Nothing in Your Home Business?

Do You Really Expect Something for Nothing in Your Home Business?

People who live by the principle of something for nothing will not have success when it comes to making money online. These are people who expect everything in life for free without giving anything in return. Most of these people will never make money online. Here are 3 things you can expect to give in order to make money online.

Time – There is a lot of free information, and a lot of free services on the internet that yield results. But these results will not come overnight.

If you do not want to pay any money to learn how to market online you can expect to pay a lot of time if you want to be successful.

Money – When you spend money to gain knowledge in your business, look at it as an investment. This is similar to people who invest in their education when they go to college.

Also do not expect to make a lot of money quickly, because you spend money on marketing. You must first learn how to market, and learn how to test your campaigns.

Knowledge – One of the simplest ways to make money online is by selling information via e-books, audios, or videos. This is called information marketing.

What knowledge do you have of value to share with others? People pay for information all of the time. Just think of how much money is spent every year on college.

If you are not willing to give first, do not expect to make much money in business. Just continue giving your time at a job in exchange for a paycheck.

Much Success, …

What’s in Your Record of Achievement Folder?

What’s in Your Record of Achievement Folder?

At 16, each child leaving school gets a Record of Achievement folder. The National Record of achievement or NRA is recognised throughout the UK and can be used as evidence of the holder’s achievements whilst at school.

The NRA can be taken to job interviews, colleges, apprenticeships or whatever route you plan to take on leaving school. It shows other people how you’ve spent your time in education and the positive things that you have to offer. The NRA is also a useful way to see what you’ve achieved so far in black and white and think about what to do next.

Before the NRA

There are a number of processes that lead up to you receiving your NRA.

Throughout your time at school you’ll be required to take part in a number of activities relating to the National Record of Achievement Folder, these will include:

  • Keeping evidence of achievements and building a portfolio
  • Assessment of your progress through reports and examination
  • Planning your next actions and setting targets to improve your NRA

What does the Record of Achievement Folder Look Like?

The NRA is generally presented in a burgundy folder, but your school may have chosen a different type of folder for their students. A number of standard sheets should be placed inside the folder including:

  • Your name, address and personal details
  • A summary of your educational achievements
  • A personal statement

You can also include any other records that could be useful when applying for a job, apprenticeship or college place, such as:

  • Credits and qualifications
  • Work experience history
  • Employment history
  • Awards
  • Attendance records

In addition the NRA will include an Accreditation Certificate which demonstrates that your school has monitored and organised the processes of achievement correctly.

Now What?

You should be preparing your Record of Achievement folder throughout year 11 as job and college interviews can happen quite quickly. In most cases if you’re planning to attend college, interviews will start around Christmas time so your NRA needs to be prepared by then.

Take evidence of anything you feel may be relevant to what you want to do. For example, if you want to study English then take photocopies of your most impressive essays. If you’re planning to find an apprenticeship in the building trade then take photos of the things you learn or anything you make at school which could support your application.

However, it’s also important to tailor your NRA so it’s fit for purpose. In other words be selective about what you include when you’re showing it to different people. For instance, if you’re planning a practical apprenticeship your interviewer will want to know your GCSE grades and see evidence of your practical achievements, they won’t want to read your essay on Richard III.

During year’s 10 and 11 you’re entitled to lots of help with your NRA. Your personal tutor should have at least three meetings with you to look at your folder and help you get organised. In addition, you’ll get help writing …