How to get Credit card in any Country & Student loan of zero interest.

Here is a brief tutorial which will give you a complete overview of the process for applying for credit cards and getting approved for one.

1. What is a Credit Card?

A credit card is a system of payment named after the small plastic card issued to users of the system. A credit card is different from a debit card in that it does not remove money from the user's account after every transaction. In the case of credit cards, the issuer lends money to the consumer (or the user).

2. Why do I need a credit card?

A credit card is the single most authentic proof of your credit worthiness. It means that financial institutions are willing to lend loans/credit to you. Depending upon how much you earn, financial institutions would be happy to lend loans to you. So the better your credit rating, the more loans you can get. Every time you are approved for a credit product like a bank loan or a credit card, your credit rating improves which will help you in securing more credit products in the future.

Apart from improving your credit rating, having a credit card will help you in paying your tuition fees. You can try to save as much cash as you want and the rest you can pay with your credit card.

3. Ok be quick and tell me how to get a credit card?

Ok smart ass, here is how you get a credit card. Before you apply for a credit card, it would be better to have some pre-requisites fulfilled.

1. Get an Australian driving license. It doesn't matter even it is a restricted learner's licence. But getting a full license has its own benefits. Check my post about driving licenses. An Australian driving license is your main identity document and will be used every where for identification purposes. The sooner you get it, the better it is.

2. Once you have an Australian driving license, the next step is to have an entry made in your Australian Credit file to start a credit score. What is an Australian Credit File and what is a credit score? A credit score is a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her debts in a timely manner. Your credit file is held by a private owned company in Australia.

Any way, you want to start your credit file in Australia and want the first entry to be entered into it.

The best way would be to go and buy a mobile phone connection from a cellular service provider.

There are different cellular service providers in Australia. Three, Optus,Vodafone, Soul and a few others.

So when you sign up for a post-paid connection to any cellular service, an entry would be made into your credit file saying that you have been given credit worth $X by company X. That entry would be used by others to approve or disprove you for a credit product.

Please remember that you must buy a Post Paid connection because a pre-paid connection is not a credit product. Any product for which you pay afterwards has been lent to you by credit, until you pay back the credit amount in full.

3. So now you have made an entry in your credit file by buying a post paid cellular service connection. The next step is to get yourself a job. Every time you get paid, your employer issues you a pay slip. Keep those pay slips at a safe place. Most employers would pay you by transferring your pay into your nominated bank account. After you have been working at your job for lets say four months, it would be the right time to apply for a credit card.

4. Which credit card to apply for?

There are numerous credit card companies which offer credit cards. The best financial institution to apply for a credit card would be the bank where you have been receiving your pay for the past four months. The reason being that your bank knows that you have been receiving your pay in your bank account. Financial institutions are interested in knowing whether you are employed or not. Banks are willing to give credit cards to people with stable employment history. Even if you have $20,000 in your account, banks would be reluctant to give you a credit card. But if you have a $400 steady source of weekly income, every one would be happy to give you a credit card with a limit of $1000 or more.

So if you apply for a credit card in your own bank, which knows that you have been employed and you have been receiving your pays in their your bank account, they would be happy to give you a credit card without much hassle. You can tell them that you are an international student and you would like to have a credit limit of $500. Dont worry, I will let you know later on how to get credit cards of greater credit limits.


5. Hopefully, if you have been paying close attention to what I have been saying and followed what I have said, you would be approved for a credit card by your banking institution.

Use this credit card and NEVER EVER, forget to pay your monthly credit card fees/dues if any. Normally if you dont use the card, you wont have to pay anything. But it is good to use the card and quickly pay it back before the 55 days interest free period expires.

Now after six months of your first credit card being approved, it is time to apply for another credit card. This would be the same time when your tuition fees would be due. So try to time your credit card approvals with your tuition fees due dates.

So if you can keep on getting approved for a credit card every time you have to pay your tuition fees, you would significantly reduce the burden on yourself of making lump sum upfront cash payment.

Make sure, that if you get rejected for a credit card, DONT apply for another one immediately. Wait for three or four months. If you apply randomly, one after the other for credit cards, your credit rating would go down and no one would be willing to give you any credit products.

6. Ok, thats fine but I have to pay back all this money? Where do I get that from?

Yes, you have to pay back your credit card. But its up to you when you pay them. For every $5000 you have to pay a minimum of $100 per month. So its up to you if you want to keep on making the minimum payments or you want to pay off your credit card at once.

Credit card companies are normally not interested in your paying back what you have borrowed. They are interested in a situation where you keep on paying the interest on the unpaid amount. As long as you keep on paying the minimum monthly amount, the company would be happy and would give you credit limit increases as well which can come in handy when its time to pay your tuition fees.

7. What if I cannot get a credit card?

Dont worry if you cannot get one. These days most banks offer some thing called a debit card which is a credit card linked to your bank account. So when ever you use the card, funds are deducted from your bank account. This card acts like a credit card and in situations where merchants only accept credit cards, this card can come in handy. You can use this card as a credit card or a debit card.

US Visa L1 B

 US L1 B Visa

USA L1 B Work Visa Requirement and Procedure

  USA L1 visas are for intra-company transferees who, within the three preceding years, have been employed abroad continuously for one year, and who will be employed by a branch, parent, affiliate, or subsidiary of that same employer in the U.S

Sub category of LVisas
L1 A -for manageria/exicutive position
L1 B-Specialized Knowledge Professional

Workers can be petitioned individually or under a blanket petition, and must qualify as either a specialized knowledge professional or an executive/manager



L1 B Visa Stamping Procedure

1. Have an electronic photo of the applicant
2. Fill up online visa application (DS 160) online. Website http://ceac.state.gov/genniv/
3. Pay the visa application fee.
4. Setup an appointment for the interview through www.ustraveldocs.com/in
5. Appear in person for an appointment at the Offsite Facilitation Center (OFC)
6. Visa interview at the U.S. Embassy or Consulate
7. Returning the passport with visa by courier(If the visa is rejected ,passport will be returned across the interview counter)

Documents required for L1 B Visa stamping 

• Passport - Old and New
• One photograph as per the specification
• Confirmation page of online submitted DS-160 Form with bar code. 
• Visa Fees( Issuance Fee)
• Visa fee receipt 
• Interview appointment letter.
• Three copies Form I-797( Notice of Action.)
• Form I-129 and letter from employer that describes your proposed duties.
• Letter from propective employer 
• Original educational certificates along with mark sheets.
• Work experience letters from your previous employers that indicate your employment history, experience and skills
• Resume of the applciant with techincal skill and experiance 
• Contact detail of the manger for the present and past job 
• Contact detail of the two co workers  for the present job 
• Pay stubs from your current or last place of employment and a recent income tax return.
• A photocopy of each of the documents listed above.
• Photocopies of the first page, address page and last page of your current Passport

Study hotel management in Switzerland

IF YOU'RE LOOKING TO STUDY ABROAD IN A TRUE HIGHER EDUCATION POWERHOUSE, THEN YOU MAY WELL DECIDE TO STUDY IN SWITZERLAND. READ OUR GUIDE TO FIND OUT EVERYTHING YOU NEED TO KNOW ABOUT STUDYING IN THIS ELITE EUROPEAN STUDY DESTINATION....

EIGHT SWISS UNIVERSITIES ARE FEATURED IN THE QS WORLD UNIVERSITY RANKINGS 2013/14, INCLUDING TWO ENTRIES IN THE WORLD'S TOP 20, AND FIVE MORE WITHIN THE WORLD'S TOP 200. THIS IS PRETTY IMPRESSIVE, GIVEN THAT THE POPULATION OF THE ENTIRE COUNTRY IS SMALLER THAN THAT OF THE US STATE OF VIRGINIA.

SWITZERLAND’S SYSTEM OF HIGHER EDUCATION IS EXTREMELY INTERNATIONAL IN NATURE. FOUR OF THE EIGHT RANKED UNIVERSITIES MAKE THE WORLD’S TOP 30 IN TERMS OF INTERNATIONAL STUDENTS, WITH EPFL FINISHING SIXTH IN THE WORLD IN THIS INDICATOR. THEY PERFORM SIMILARLY WELL IN TERMS OF INTERNATIONAL STAFF.

BUT IT’S NOT JUST UNIVERSITIES THAT INSPIRED 50,000 INTERNATIONAL STUDENTS TO STUDY IN SWITZERLAND. FOR ONE THING, YOU WON’T FIND MANY MORE BEAUTIFUL COUNTRIES. FROM ITS POSTCARD-PERFECT LAKES AND MOUNTAINS, TO ITS PICTURESQUE AND CHARMING TOWNS, WHICH SOMETIMES LOOK LIKE THEY’VE BEEN PLUCKED STRAIGHT OUT OF A DISNEY FILM, SWITZERLAND IS PRETTY EASY ON THE EYE!

THEN THERE IS ITS STATUS AS A TRUE EUROPEAN MELTING POT, WHICH CAN OFFER SOME OF BEST QUALITY OF LIFE ANYWHERE IN THE WORLD. SOUND GOOD? IF SO, THEN MAYBE SWITZERLAND IS THE STUDY ABROAD DESTINATION FOR YOU…

Study in Australia without IELTS

Study in Australia

Australia offers a dynamic learning environment. International students experience a unique kind of education - a learning style that encourages innovative, creative, independent thinking.Australian education has a strong international reputation for excellence. Whether you study at a university, school, vocational or English language institute, you will receive a quality education that will form a strong foundation for your future success.The Australian approach to vocational education and training is now recognized as amongst the best and most innovative in the world. Its vocational education and training institutions deliver a wide variety of courses and provide students with career focused skills prized by employers. Personal safety and security are major issues for students and their family.The Australian Government plays a pro-active role in ensuring that international students who come to Australia for their studies have legal protection.The Education Services for Overseas students Act (ESOS Act) ensure that students get the quality course for which they have paid .
Quality Assurance
Australia -is a place where your quality of education is guaranteed





In 2000, Australia introduced the Education Services for Overseas Students (ESOS) Act 2000. ESOS ensures that, in order to enrol international students, institutions must first meet requirements for registration. All institutions which meet registration requirements are listed on the publicly available Commonwealth Register of Institutions and Courses for Overseas Students (CRICOS).Australia is firmly committed in providing quality education and training and offers strong assurances to international students. Every provider that seeks to recruit, enroll or teach overseas students, or to advertise their ability to do so, must be registered on the Commonwealth Register of Institutions and Courses for Overseas Students (CRICOS).
Education System
University
There are 41 universities in Australian which offer undergraduate and postgraduate programs in traditional and modern subject areas such as innovative courses in IT, electronic business and science. Australian academics have won prestigious awards, including several Nobel Prizes, and are involved in ground-breaking research. All Australian universities are strictly monitored to maintain high standards in teaching and research. Most of these universities are located in cities, while some are found in rural environments.



Universities offer courses in a wide range of areas at the following levels:    
⦁    Bachelors Degree
⦁    Graduate Certificate
⦁    Graduate Diploma
⦁    Masters Degree
⦁    Doctorate (PhD)
Each university has its own entrance requirements for each course offered. You will also need to have a minimum level of English before you can start a course.

Most courses start in February, however, some may also start in July and October.
TAFE
Australian Technical and Further Education (TAFE) is a government owned and operated education system that offers courses in almost every field of study. There are more than 230 government TAFE colleges around Australia that offer courses at certificate, diploma and advanced diploma levels. Many TAFE courses will lead to credit transfer arrangements at Australian universities so you can earn credit towards a bachelors degree. Some TAFE courses are only a few weeks while others may take up to three years to complete. Some TAFE colleges are located in cities, while others are in rural areas. Most courses start in February, however, some may also start in July. TAFE courses emphasize practical and professional learning that will help you get a job.
Private and Specialist Colleges
Private and Specialist colleges offer courses in almost every area of study, usually at certificate, diploma and advanced diploma level. These courses are often designed to teach practical skills you can use in the workforce. Courses can range from 10 weeks to 3 years, and each college will have its own entrance requirements. Many private and specialist colleges have credit transfer arrangements with universities so you can earn credit towards a bachelors degree.

Some examples of the types of courses you can study at a private or TAFE college:
⦁    Accounting
⦁    Aviation
⦁    Business management
⦁    Child care
⦁    Computer studies
⦁    Graphic design
⦁    Hair and beauty therapy
⦁    Information Technology (IT)
⦁    Travel and tourism
⦁    Hospitality and hotel management
⦁    And many more

High Schools
Australian schools offer quality education at world class standards. Each State or Territory in Australia is responsible for its own schools however the Australian Federal Government ensures the standards and quality of teaching are maintained throughout the country.

The majority of Australian schools are public and approximately one quarter are private and charge full fees. Many private schools are run by religious institutions. Some schools offer boarding facilities.

There are thousands of schools in Australia, far too many to list here. You need to consider your individual needs ( large school or small school, is religious education important, which city or town would you like to live in, etc).

Length of Courses
The following is a guide only. Each course and each college or university may be slightly different:
Certificate 6-18 months Diploma 1.5-3 years Bachelors Degree 3-5 years Graduate Certificate 6 months Graduate Diploma 1 year Masters Degree 1-2 years PhD 4-5 years
    
Courses
Courses available at Under Graduate & Graduate Level
Awarded courses vary considerably with the higher education sector in the form of entry requirements, duration and method of assessment. The following awards are offered by Australian Universities:
⦁    Doctoral Degree
⦁    Masters Degree
⦁    Graduate Diploma / Graduate Certificate
⦁    Bachelors Degree
⦁    TAFE Certificate III & IV
⦁    Undergraduate Diploma / Advanced Diploma and
⦁    Associate Diploma/ AQF (Australian Quality Framework) Diploma    
    
Vocational Education and Training in Australia (VET)
Australian vocational education and training courses provide students with skills that employers have identified as important in the workplace. They are also generally considered to provide more practical, work-orientated skills.
The types of qualifications that can be obtained through the VET system include:
⦁    Certificate I–IV:these courses are designed to provide introductory skills and training. They provide industry-specific knowledge and skills in communication, participation, literacy and numeracy, and teamwork. They vary in length from a few weeks to six or more months.
⦁    Diploma:a diploma course prepares students for industry, enterprise and para-professional careers. Diploma courses can be completed at TAFE institutes and private colleges. Diplomas require 18 to 24 months of full-time study.
⦁    Advanced diploma:an advanced diploma provides a high level of practical skills for employment in a specific career area, such as accounting, building design, and engineering. Advanced diplomas vary in length from 24 to 36 months.
⦁    Vocational graduate certificate/diploma:the vocational graduate certificate and diploma are the equivalent of the higher education graduate certificate or diploma. They provide high level employment-related skills and knowledge. The graduate certificate usually requires six months of full-time study and the graduate diploma usually requires one year of full-time study.
Types of degrees
Undergraduate Studies : Bachelor programmes may vary from 3 to 4 years.

Postgraduate Studies:Australia offers a wide variety of choices for post graduate studies . Australian Universities pride themselves on a strong research base and state of the art equipment to their Universities.    

Application Procedure
Intakes
Australia generally has two intakes i.e. February and July, with few Universities offering multiple intake in September & November. University generally takes around 3-6 weeks to process the applications.



Documents Needed
Documents needed for making an application are
⦁    Resume
⦁    Statement of Purpose
⦁    Marksheets and Passing Certificates
⦁    Two Reference Letters from Colleges / Employers & Passport Copy IELTS Score Sheet.
    
Entry Requirements / Eligibility
Undergraduate - Bachelors
1. A good academic record in High School Certificate or 12 years of schooling
2. Some courses require Mathematics and /or Science as pre-requisites
3. 6.0 IELTS

Postgraduate – Masters
1. A good academic record in Bachelors Degree from a recognized university is necessary
2. Any work experience in the field
3. 6.5 IELTS    
Work During Studies
Students can work up to 20 hours per week while your course is in session. However, you cannot start work until you have commenced your course in Australia.

International students often find work in retail, hospitality and administration. You could expect to earn A$6-15 an hour, depending on the kind of work you do    

Beautiful Wallpapers 
  
Accomodation
There are number of accommodation options available for students studying in Australia.

Most universities and TAFE colleges operate housing offices to assist students with accommodation.

Students can choose from the following options.    
Homestay
Homestay is a great way for younger international students to immerse themselves in Australian life.. Meals are usually included in the cost, but self-catering Homestay is sometimes available.

A$110-A$270 a week

Single or shared rooms may be offered and the cost may vary accordingly.

Shared or Rental Accomodation

Sharing off-campus accommodation is very popular with international students. You should look for advertisements on campus noticeboards and local newspapers.


A$70-A$350 a week







Students can also rent an apartment or house. Rents vary depending on the location, size and facilities. Many students in Australia live in an apartment or a house with other students, sharing the cost of gas, electricity and sometimes food. The student will be expected to pay one month advance payment and some security deposit.

University Accommodation
A$80–250 per week

Most universities and some vocational institutions offer a variety of accommodation on or near campus, such as apartments, residential colleges or halls of residence. The cost varies on the type of accommodation.

Residential colleges are slightly more expensive and provide accommodation with meals. They may also have sporting and social facilities, tutoring, libraries and computer facilities.

Halls of residence are located on or near institution campuses. Students usually have meals and some cleaning services provided. Students need to apply early because demand for places is high.

Here, students have a bedroom/study of their own, and will share bathrooms, laundries and recreational facilities. Some universities may offer apartments. However, the cost would be higher.

Hostels and Guest Houses
A$80-A$135 a week

Study in New Zealand

Study in New Zealand

New Zealand has an international reputation as a provider of high quality education. The country offers an excellent study opportunities and support services for international students. Academic, professional and vocational studies courses are available at universities, polytechnics and institutes

All New Zealand universities provide an internationally recognised education.

Students come from all over the world to study in New Zealand not only for its safe learning environment and quality education, but also to take in its fabulous natural scenery, rich variety of cultural activities and friendly people.

New Zealand universities and researchers have a good reputation for independent thinking – and for a small country has become a big player in areas as diverse as filmmaking and biotechnology.    

Education System
New Zealand offer world-class facilities, resources and teaching staff, and our qualifications are valued and transferable throughout the world. New Zealand’s universities perform very highly on a global level. Education system in New Zealand encourages inventive thinking and teaching techniques that reach far beyond traditional rote learning. New Zealand has eight major universities, spread out across the north and south islands. These universities are state owned and follow a research based academic method. Many have appeared in international Best Universities lists. To ensure that both the Government and individuals are investing in quality education, training and assessment, the Government has set up nationally recognised processes of quality assurance.

There are a number of government appointed bodies responsible for approving qualifications in New Zealand and for the quality that determines the delivery of qualifications. These bodies are: New Zealand Qualifications Authority (NZQA)and New Zealand Vice-Chancellor's Committee (NZVCC).NZQA approves and register courses of private institutes and polytechnics NZQA ensures that New Zealand qualifications are valued as credible and robust both nationally and internationally. And NZVCC approves courses offered by new Zealand university.
Type of Institutions

Universities in New Zealand
University education has a similar tradition to the British university system. There are eight state-funded universities in New Zealand, all of them internationally respected for their academic and research performance. Universities in New Zealand are known for groundbreaking research ,commitment to innovation ,close links with the community and because of their tradition of academic excellenceEach university undertakes internal quality checks. The University provide a warm and welcoming environment and an intellectual climate in which students are encouraged to excel. Programmes are relevant, reflect current research and meet the needs of the International Student community. All New Zealand universities offer a different range of subjects in Arts, Commerce and Science. University provide programmes in many subjects like Medicine, Engineering, Veterinary Science. Computer Studies, Agriculture and Environmental Studies, Sports-Science, Biotechnology, Architecture,Journalism ,Media etc. . A range of under graduate and postgraduate diplomas is also available.University offers Bachelors,master and doctorate programme. University in New Zealand has World-class facilities – from gyms to libraries and cafes    
    
Polytechnics in New Zealand
New Zealand has many modern educational polytechnics with a significant history which provide quality skills for quality careers .Programmes are backed by strong industry links, experienced teachers and an innovative, collaborative research culture.Polytechnics are committed to providing excellence in tertiary education .New Zealand Polytechnics, and Institutes of Technology, are state funded and provide education and training at all levels ranging from introductory studies through to full degree programmes. A few of them offer PG programmes as well. Polytechnics and Institutes of Technology are efficient tertiary providers offering programmes which can be both academically and vocationally focused. Due to their active engagement with industry, employers and government agencies they provide programmes which are of a high academic standard and are relevant to the rapidly changing workforce on a global basis. Polytechnics offer diverse courses like Arts and Design, Travel & Tourism, Hospitality etc.    
Private Training Providers (PTEs)
Private training establishments are registered and their courses are approved by NZQA. Institutions and schools in this sector provide a range of courses including English language, aviation flight training, English, business computing, dance, design and arts, travel and tourism and training for the hospitality industry.


Courses
Undergraduate

Vocational Study
⦁    It is offered at Polytechnics, Institutes of Technology, and private tertiary and training establishments.
⦁    Students are awarded certificates, diplomas and degrees in a diverse range of subjects.
⦁    The major education providers are registered with the New Zealand Qualifications Authority (NZQA).    
Diplomas are levels 5 and 6
Diplomas often prepare learners for self-directed application of skills and knowledge. These qualifications recognise capacity for initiative and judgement across a broad range of educational and vocational areas.
Bachelor’s Degree
A Bachelors Degree is a systematic and coherent introduction to the knowledge, ideas, principles, concepts, chief research methods and problem-solving techniques of a recognised major subject
⦁    Bachelors’ degrees are level 7.
⦁    A Bachelor’s degree lasts for 3 to 4 years at University.
⦁    An additional year of research at University, awards an Honours degree.
⦁    Majority of the degree structures provide an opportunity to combine your 'major' subject with supporting subjects known as 'minor' subjects
Postgraduate
Postgraduate certificates & Diplomas, and Bachelor's degrees with honours are level 8

A Postgraduate Certificate/Diploma extends and deepens a candidate’s knowledge and skills by building on attainment in the principal subject(s) of the qualifying degree.
Master's
The Master's degree is open to those who have completed a Bachelors degree.

Masters degrees are level 9. They are constituted in one discipline or coherent program of study. They may be undertaken by taught courses or research or by a combination of both.
⦁    The Masters degrees are usually built on undergraduate degrees, bachelor with honours degrees, or postgraduate diplomas.
⦁    A Masters degree typically last for 2 years at University.
⦁    An additional year of research results in an Honours degree. It is only awarded to students who are not having an Honours degree.
Students usually complete advanced-level subjects in the first year of study. The second year is devoted to research for your thesis.
Doctorate
Doctoral Degree
They are at level 10 and require a student to have either a Master’s degree or Bachelor’s degree with Honours.
Doctorate of Philosophy (PhD/DPhil)
Doctorate programmes generally take atleast 3 years of full time study to complete. All students have at least one main supervisor and one associate supervisor. You would normally require a research-based master's or honours degree to gain admission to the PhD programme It is a fully research based degree. PHD students pay domestic tuition fee which is a ‘benefit’ of fee difference from international fees to domestic fees’.
New Zealand Degree Programs
A ‘degree’ is an advanced tertiary qualification. It is awarded after the satisfactory completion of an advanced study program.

The following minimum requirements are to be met for getting admission into a degree program:
⦁    An overall average of 70% with a minimum of 60% in English in All-India Senior School Certificate or the Higher Secondary School Certificate, or Indian School Certificate (ISC) with a 50% grade average or Higher School Certificate (HSC) with a 65% average.
⦁    Completion of 12 years of elementary and secondary education, which implies qualifying in class 12th examination or junior college as applicable.
Graduate Diploma
The Graduate Diploma is meant for degree graduates willing to broaden their knowledge and skills in their chosen area of specialisation or a new subject at the undergraduate level.

Entry
The degree graduates can take admission in the graduate diplomas. Level 6 & 7 qualifications can also be considered as suitable for entry into graduate diploma programs.

Bachelor with Honours
For enrolling into this program, the students must be graduates having a recognised Bachelors degree with a B/B+ grade average. The students are also required having a major in the relevant subject area with a B/B+ grade average.

For Postgraduate Diploma
The students are required being a graduate of a recognised Bachelors degree. They should also have a major in the relevant subject area with a B/B+ grade average.

Masters Degree
The student needs to be a graduate of a recognised Bachelors degree (of 3-4 years) with advanced study, and have a good grades in the subject in which he/she intends to major for the Masters degree. In case, a student fails to meet the above requirement, a Graduate Certificate, Graduate Diploma, Bachelor with Honours or Postgraduate Diploma in the appropriate major subject will be required.

Master of Business Administration (MBA)
Admission in MBA program requires a Bachelors degree and at least two to five years of relevant post qualification work experience, as well as supportive referee’s reports.

Master of Philosophy (MPhil)
Admission to MPhil requires bachelors with Honours or Masters degree, with at least Second Class Honours (First Division) or Distinction. Entrance is at the discretion of the Postgraduate Studies Committee.

Doctor of Education (DEd)
Admission to doctorate programs requires bachelors with Honours or Masters degree, with at least Second Class Honours (First Division) or Distinction. Entrance is at the discretion of the Postgraduate Studies Committee.

Doctor of Philosophy (PhD)
Admission to PhD in New Zealand requires bachelors with Honours or Masters degree, with at least Second Class Honours (First Division) or Distinction. Entrance lies at the discretion of the Postgraduate Studies Committee.

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Application Process

Intakes    

The acadamic year is from mid / late February to early November and most Universities have 2 semesters . Each University operates slightly different dates and some also offer summer school in the main holiday period in November to February. Intakes are in February, July and sometimes in September.

English Language Requirements
All students must be fluent in English language .A band of 6.0/6.5 for undergraduate & 6.5 / 7.5 for postgraduate courses is desirable.Some Institutes can waive off Ielts also.For more details contact Proven Intentional

Documents
Documents needed for making an application are resume, statement of purpose, mark sheets & certificates of X, XII, till Graduation or relevant degree transcripts in specific cases, Certificates of extra curricular activities, passport copy & 2 reference letters from colleges & employers.
    
Cost of Education
Tuition Fee & Living Costs: 
⦁    Undergraduate study usually costs about NZ$17,000–$20,000 a year
⦁    Postgraduate study usually costs about NZ$20,000–$23,000 a year
⦁    MBA can cost up to NZ$ 35000-40,000
⦁    Living Costs - $ 10000 For 1 year Exchange Rate – 1NZ$ = INR 35

Working During Studies
You are eligible to work part time, while studying full time, under certain circumstances
⦁    To meet course requirements for practical work experience, or
⦁    During the Christmas and New Year holiday period if you are in a full-time course of study lasting 12 months or longer, and/or
⦁    For up to 20 hours in any given week during the academic year if you are in full-time study:
⦁    The course is at least two years long and you are studying at a private training establishment or tertiary institution.
⦁    The course leads to a New Zealand qualification that qualifies for points under the Skilled Migrant Category of Immigration New Zealand’s Residence Policy.
⦁    The course is at least one academic year long and you are taking part in an approved tertiary exchange scheme.

Working After Studies
The students will be eligible to work in New Zealand after completing their studies. They will need to apply for a work permit.

Applying for a work visa/permit under the Graduate Job Search Policy
You can apply for a visa/permit under the Graduate Job Search Work Policy if you do not yet have a job offer. Permits granted under this policy are valid for a period of 12 months. They allow you to work in a temporary job while still looking for a related job in your field. To be eligible for a work permit under this ‘Graduate Job Search Policy’ you must fulfil some requirement .

Applying for a work visa/permit when you have a job offer
You can apply for a work visa/ permit under the Study to Work Policy if you have an offer of employment relevant to your qualification. This work visa/permit would be valid for a maximum period of:
⦁    2 years, for obtaining practical experience suitable to your qualification; or
⦁    3 years, if you are working towards obtaining a membership or registration from a New Zealand professional association which requires more than 2 years of relevant practical work experience.
Partners and Children of Student
If your partner or children want to accompany you to New Zealand, they will be required to apply for a visitor visa; or a separate student visa if they will also be studying for more detail Proven Intentional
Your passport
The passport of the partners or dependants should be valid for at least three months past the date they are to leave New Zealand.

- See more at: http://provenint.com/studynewzealand.html#.UwIjloWWMRY

International Student Health Insurance

Student Health Insurance

German Healthcare system is considered to have one of the world's highly qualified fleet of doctors. As a student in a German University, one benefits from the optimum health care coverage in Germany through a German health insurance policy or one from their homeland. It is mandatory to have a health insurance while one studies (or even works) in Germany. It is usually recommended to take up a health insurance policy by a German health insurance provider, because it is easier for the medical organisations to process here. The private insurance policy from one's homeland may not be enough to insure the costs of German healthcare organisations here. It may also cover only a small number of German hospital services, which may not necessarily be in the same town as the University. Monthly Insurance premiums are generally set on graduated scale according to age, costing usually about 80 euros (age below 27 years). The most well known German health Insurance providers include:

a health insurance provider in Germany, one receives an insurance card. Student is usually covered in terms of medication costs at pharmacies (when prescribed by doctor) dentist operating costs, regular check-ups and more. Generally, there are insurance restrictions for the following services" tooth replacement, glasses, psychotherapy and pregnancy. For some insurance companies, there are certain waiting times for some treatments. As a patient in Germany, one also has a right to choose your own doctor. It is important to get a copy of insurance coverage terms , as soon as one is insured.

Study in UK at cheap fees

Study in UK

Proven International has earned an enviable reputation for the UK education. The UK education desk at Proven International has the best options to offer to the prospective students in terms of colleges, universities and wide ranges of courses.

The UK is a diverse and multicultural place which is welcomes thousands of international students each year. The education system is highly competitive with small class sizes to ensure that students have access to the facilities. Also the small class size enables enough interaction between the students and the lecturers.

The UK has two distinct education systems: one for England, Wales and Northern Ireland, and one for Scotland. Each is compatible with the other. Wherever you choose to study you will be able to study modern, world-class qualifications of exceptional quality.

UK education lets you shape your study to suit your career needs. The UK has a long tradition of excellence and innovative approach to teaching at every level. This is one of the reasons that the students get best education along with the acquaintances with the latest technology, methodology and expertise.

Wherever you choose to study in the UK, you’ll discover magnificent landscapes, pioneering architecture and thriving arts that will make your stay in the UK a great experience.
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Proven International specialize in providing admissions in top UK colleges and universities. You can APPLY ONLINEfor more inquiry regarding UK Education,admission procedures and counselling at Proven International.

UK Universities and Colleges represented by Proven International are: :
London Metropolitan University
Middlesex University
University of Central Lancashire
University of Greenwich
University of Wolverhampton
University of West London
Northumbria University
University of East London
University of Portsmouth
University of Aberdeen
University of Glamorgan
University of Glasgow
Buckinghamshire New University
Swansea University
STAFFORDSHIRE UNIVERISTY
QUEEN MARGARET UNIVERSITY
Coventry University
University of Bedfordshire
University of Highlands and Islands, Perth College

LIST OF UK COLLEGES
Bradford College
Kaplan International Colleges
EThames Graduate School
South Thames College
Kaplan Financial

Study in Canada But why?

Study in Canada But why?

Why study in Canada

Canadians gives great importance to learning. They have developed a first-rate education system with relatively higher standards. The country spends more on education (as a percentage of GDP) compared to the OECD average. It ranks second highest among G-8 countries. Canadian students consistently rank among the best in world. The United Nations has consistently ranked Canada as one of the top three places in the world to live. Itearned high marks for its access to education and low crime rates.It was also among the first in the world to connect schools and libraries to the Internet. It is considered to be a relatively peaceful, safe and orderly country. A Canadian degree, diploma or certificate is recognized globally .It offers a wide choice of over 90 universities and 150 colleges and technical institutes, featuring every imaginable program. Moreover,Canadian tuition fees are amongst the lowest in almost all the English speaking countries. Most of the universities and college programs incorporate a co operative work program, giving the students an opportunity to work in their related field and earn credits for the same .It also possesses a reputation for excellence in various sectors as telecommunications, transportation and engineering; and specifically, aerospace, urban transport, microelectronics, medical devices, advanced software, hydroelectric and nuclear power, lasers and opto-electronics, biotechnology, food and beverage processing, geomatics; and ocean and environmental industries. Average expenses for Canadian students are estimated to cost about CDN 12, 000 to14,000 per annum. This however varies according to location and lifestyle.

programmers

University degree s are offered at three successive levels — bachelor's, master's, and doctoral — with the completion of a degree from the lower level generally a prerequisite for admission to the next.

Students at the baccalaureate, or bachelor's, level are known as undergraduates. Completion of a secondary-school program, or the two-year CÉGEP program in the case of Quebec, is the normal prerequisite for admission to undergraduate study. Most universities also have special entrance requirements and paths for mature students.

Bachelor's degrees normally require three or four years of full-time study, depending on the province. An honours bachelor's degree involves a higher degree of concentration in the major subject, as well as a higher level of academic achievement, and, in some cases, an additional year of study.

For regulated professions such as law, medicine, education, and social work, an internship is generally required and, in some cases, additional years of formal study.

A master's degree typically requires two years of study after completion of either a general or an honours baccalaureate program.

A minimum of three years of study and research, including the completion of a dissertation, are the normal requirements for a doctorate. The degree is generally known as a PhD; however, doctoral degrees may also be granted in particular fields of study such as music (DMus) or law (LLD).

University colleges undertake degree programs as their primary activity and provide bachelor's degrees. A few also provide master's degrees with an applied focus.

Some public and private universities and university colleges have religious denominational affiliations, and offer divinity programs and degrees for the specific purpose of preparing students for the profession of minister of faith. These institutions may also offer other degree programs.

Colleges and technical institutes undertake diploma and certificate programs as their primary activity, and may also offer bachelor's and applied degrees in areas of particular specialization.

Many universities and university colleges also offer diploma and certificate programs, often in professional designations. Generally speaking, university diplomas and certificates require one or two years of study. However, these programs vary widely from institution to institution and from province to province.

Universities offer students more than courses and programs; they also provide services and resources. Counselling, study-skills workshops, career-placement centres, scholarships and bursaries, athletics, housing, and additional services are available on most campuses. Many universities also have special services for students with specific needs, including those with physical, sensory, or learning disabilities.

While most degree programs are delivered on campus to full-time students, many institutions offer part-time study through day and evening courses or distributed-learning programs. Many programs include cooperative education or work-study components, which alternate academic studies with full-time, off campus employment related to the student's field of study.

Admission Requirements

For Diploma Programs – 12th Pass or 10th With 2 to 3 Years of Diploma in Choosen Field (Few Subjects Require Math in 12th)

For Degree Programs – Min. 50% Require in 12th

For Master Programs- 4 Years of Graduation With 50% or 3 Years of Graduation With 1 Year in Post Graduation

Application Process

Usually, the academic year in Canadian universities and colleges is divided into two semesters, the fall semester (Sept-Dec), and the winter semester (Jan-May), many colleges also offer a summer semester starting in May. The last dates of admission can vary from institution to institution.You will be required to complete and sign the application form yourself, and attach official transcripts/ academic records, plus application fee of your chosen institute(s) .For further information ,You can Contact Proven Connsultants ,we can assist you in filling the application forms and can provide assistance and guidance for preparing your SOP (Statement of Purpose) and LOR (Letters of Recommendation).A three year Bachelors degree is the requirements for the post degree/post baccalaureate or post diploma programs offered at the Canadian Colleges. For a Masters, you would be required to have a degree, which is comparable to a Canadian Bachelor degree (a minimum of 16 years of formal education). Some Universities also offer a Pre- Masters/ Qualifying Masters ranging from 3 months to one year depending upon the number of credits they expect you to pre-qualify for the Masters.

Decision on Application

Universities and Colleges usually take between 3 and 8 week to make a decision on an application.Sometimes they can even take longer time than this especially in the case of portfolio On the basis of documents submitted student can get unconditional offer ,conditional offer or sometimes rejection also .

Working While Studying

You can do part time jobs while study at Canada. To work off campus, you must apply for a work permit. Do not begin to work off campus until you have received your work permit. The work permit authorizes you to work up to 20 hours per week during regular academic sessions, and full time during scheduled breaks like winter and summer holidays, and spring break.

A work permit does not guarantee that you will find a job. It is your responsibility to look for work. Even if you work off campus, your studies must be the main reason you are in Canada.

Working After Graduation

If, after graduating from your studies in Canada, you plan to work here, you will have to apply for a work permit under the Work Permit Program.

Accomodation

On Campus Accommodation

On-campus accommodation is an ideal option for those who love to socialize and interact. Many universities and colleges provide for residence facilities. Here students have a bedroom/study of their own and generally have to share the bathroom, laundry and recreational facilities.The residence halls and dormitories can vary in size and quality, in different universities. Most universities have separate dormitories for both genders, and they are generally well-furnished, providing extensive facilities to the students. Most of these residential halls provide meals or the students can opt for meals at the cafeteria.

Off Campus Accommodation

Home-stay

Cost ranges from CAD100 - CAD$280 a week

Home stay is a popular option for students seeking an off-campus accommodation. In this option, students get to stay with a Canadian family. This enables them to experience the Canadian lifestyle, customs, and traditions.

How to get Country Citizenship in.

The reasons for getting a second passport and citizenship are well established, and we’ve covered them all aspect here.

In short, it’s a basic step toward increasing your personal independence, as a result of it frees you from absolute dependence on single country.

A second passport offers you increased choices. that means , mean additional freedom.

Achieve that freedom, and it becomes terribly difficult for any government to control your destiny.

Indeed, a second passport could be a prudent goal for anyone within the world to achieve. From somebody seeking to insulate himself from the confiscatory measures of his thieving government to somebody wanting to flee a conflict zone while not having to measure sort of a expatriate.

Among different things, having a second passport permits you to speculate, bank, travel, reside, and do business in places that you simply couldn't before.

Unfortunately, there aren't any methods to getting a legitimate second passport that ar at constant time quick, easy, associate degreed inexpensive… unless you happen to win the citizenship lottery thanks to an accident of birth.

The Path of sweat

The answer to “Which country is that the best to urge citizenship in?” isn't essentially an easy one and can rely on individual factors. there's no one-size-fits-all answer.

Generally speaking for many individuals, though, the simplest, fastest, and least pricey path to getting a citizenship in another country and a second passport is thru a citizenship-by-ancestry program. every country that has such a program has its own eligibility necessities and procedures.

Of course, you've got to be lucky enough to possess verifiable heritage within the choose countries that provide such programs.

In fact, Italy’s citizenship-by-ancestry program is however I earned my second passport. With Italy, you'll be able to look all the method back to your great-grandparents for lineage and still be eligible if you meet sure conditions. In any case, you’ll have to be compelled to prove your case by getting a stack of official legal and translated documents (birth certificates, wedding certificates, death certificates, naturalization records, then forth).

From begin to end, it took Maine alittle over a year and half and value less than $1,000.

You can additionally acquire citizenship by wedding, tho' it’s solely granted once waiting a minimum of a few of years within the best cases. Some countries supply special programs that grant citizenship upon completion of military service, like connection the French legion.

If none of those choices is appealing to you, there's a road for high-net-worth people that will be price considering.

“Economic citizenship” is simply a correctness term for a rustic that basically offers its passports available. They’re programs that grant full and permanent citizenship in a very matter of months in exchange for a money investment within the country, and don't need any previous residency.

Of the multiple methods to getting a second passport, economic citizenship programs ar the quickest—and most costly. the big prices rule this path out for several.

So if the family bloodline results in a dead finish, you aren’t willing to marry a foreigner, serve in a very foreign military, or take the other extreme measures, and can’t afford the economic citizenship programs, consequent path of sweat is naturalization once a amount of permanent residency.

Here again, countries vary wide on the quantity of your time needed and different conditions required to get a second passport.

And these necessities ar perpetually dynamic .

Some countries need you to pay substantial time on the bottom and build real connections to the country, however others have less demanding necessities.

A Necessary Step

Though the comparatively best country to get citizenship in can take issue for many individuals betting on their personal circumstances, this text ought to have made public the fundamental methods on the market.

All of the methods have their professionals and cons.

It’s not a straightforward or fun method any method you slice it, however that ought to not counsel you—the advantages way outweigh the prices.

Obtaining a second passport is crucial step in liberating yourself, your savings, and therefore the ones you care regarding from the whims of any explicit government. the danger is especially acute for Americans, as there’s no conceivable material retardation (let alone reversal) within the growth people government disbursement, debt, and currency creation.

As history has clearly shown, all countries that go down this path forever resort to harmful measures like increasing taxation, capital controls, retirement savings nationalization, currency devaluations, sudden bank holidays, then forth.

And that says nothing of the sociopolitical consequences, which can seemingly be worse than the monetary consequences.

I believe it’s simply a matter of your time till a tipping purpose are reached within the USA and therefore the West generally, which it'll be unfortunate to your living if you aren’t properly protected.

It’s avowedly late within the game, however not too late to urge started. that is why i like to recommend doing it sooner instead of later.

But although the USA is in a position to buck the trends of history and print its method into prosperity and go in a limiteless quantity of debt, you'll still be no worse off for taking these measures.

Most people have a insurance policy, a life assurance policy, insurance, and insurance. You hope that you simply ne'er need to use these insurance policies, however you've got them anyway—they offer you peace of mind.

International diversification is that the final insurance against associate degree out-of-control government. however it’s way more than that, because it unlocks choices for you to create the foremost of your personal freedom and monetary chance.

Things will modification quickly once it involves the simplest and best ways that to urge a second passport.

Post Graduate Studies in UK

Post Graduate Studies in UK

Many of the best respected universities in England have tremendous postgraduate programs as well. A lot of people will do their bachelor’s work in their innate country and then travel to England in direction to finish their degrees, exclusively if they are receiving degrees in English, History, business, or medicine. England is known for their quality education and their devotion to pushing the minds of their students to their completest potential.

Master’s degrees are offered in england at each the graduate and therefore the college man levels. undergraduate Master’s Degrees square measure exhausted conjunction with a bachelor’s degree, and take a complete of four years. Postgraduate Master’s Degrees are taken once an undergraduate degree has been completed, and take roughly a year to complete. Here square measure some (but not all) of the various Master’s degrees that you will get while studying in England; the university that {you are|you're} considering will confirm that of these degree programs are offered.

• Ancient History
• Philosophy
• Anthropology
• Theology or Religion
• Medical fields (all types)
• Arts (Film, music, fine art)
• English (literature, linguistics, etc)
• History (of any type)
• Sciences (Biology, Biochemistry, Astronomy, etc)
• Law
• Education
• Any language
• Social Sciences (sociology, psychology)

If you are looking for more information on postgraduate studies in england, then you can take a glance at nation Council’s website, Education Britain. they need a range of resources offered for you and your family as you're employed through the decision-making method.