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Archive for January, 2009

Jan
28

Career coaching for fresh graduates

Author: Sally Croft

Hello Graduates and those students at the fag end of your graduation! How are you? Have you planned what kind of a career you are going to choose after your graduation? Well, do you know what your career options are in the first place? If yes, what is that you know about those options? How will you proceed? My my, too many questions! Relax, let’s go one by one.

Know your Career Options:

Knowing your career option is the first step in focusing on a successful career. Apart from those regular and well known jobs its time for you to know what are the various options and newly emerged careers. Even that you come to know, you should be equipped enough to venture into those careers. That certainly requires a lot of guidance and preparation from those who are aware of its procedure.

Career Coaching – a good start:

It is at this juncture that you need a counselor or a trained expert to help you understand the various angles and options that will help you prepare for the challenge. A number of career coaching experts are there to help you by offering career management and coaching services to graduates or yet to become graduate students. These specialized services are offered at a price which is payable at the time of opting for the service.

What should I expect from Career Counseling?

There are many institutions that offer free online career advice services. Services range from career management, psychometric assessment tests preparing candidates for competitive tests and CV evaluations helping candidates to excel better in their job interviews providing them the most required skills to handle the circumstance and to be prepared to face the toughest of competition.

Such professional services not only help you get away with the limitations of a self led approach of knowing things on a trial and error basis, but also help you take informed decision in choosing a career. An informed decision does not leave you with surprises later in your career.

Normally speaking assistance of this kind is offered by friends, relatives and one’s own siblings, provided you have one, but for a majority of those aspiring graduates who are not so lucky enough to get such assistance, professional institutions offer the required help taking the services of consultants who are well qualified with more than a decades experience helping professional get the best out of their career.

So what have you decided?

What do you think of career counseling, have you found one for yourself or someone whom you think need an assistance of this kind?

Friends give me your comments; share your feelings on career coaching, maybe we can help each other and fellow readers to make a wise decision.

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Jan
26

Private Student Loan – Who is getting the profit?

Author: Sally Croft

Well, in today’s time of growing cost of education where the scholarships and grants are just not sufficient to meet the funding requirement. Federal loans issued by the government and federal agencies do play a major role in filling the gap and funding the ever increasing cost of education. Unfortunately no one source is sufficient. Taking into account the desperate need for finance and the multifarious conditions to be satisfied to avail the government guaranteed loans, the alternative loans or the private loans have received attention due minimal restrictions and more of availability.

Misconceptions about Private Student Loan:

If you have a question whether the borrower is at a profit availing a Private Student Loan, the answer is obviously no. The most expensive of all loans is the private student’s loan. This credit based loan carries the maximum interest rate with minimal flexibility. Available at anytime during the year, with typically no restriction on the number of loans granted and the amount of loan granted, these Private Loans are only resort available to those borrowers who do not qualify for a Federal Student Loan.

These loans are granted based on the credit score of the borrower. Those with the excellent credit points are offered loans at the best of rates and are offered further discounts for repayment of installments on time. Those with bad or negative credit score will obviously suffer higher rates for the risk factor involved in offering those loans.

The profit collectors:

All companies and institutions offering Private Loans make maximum profit. These institutions though aim at helping students in funding their education; they are not non – profit organizations. They are into business to make money. They cash on the genuine need of the students by offering loans at maximum interest rate and charging other fess such as origination and processing fees.

While these Private Lenders also offer government guaranteed loans, private loans as the name suggest are offered only by private lending institutions. While the terms of the loan are negotiable, any deal will certain end in benefiting the lender and not the borrower. These are not need based loans like the Federal Subsidized Loans.

Why should I go for Private Student Loan?

The only reason why you will go for a Private Loan is the need to finance your degree after every scholarship and federal loan option has been exhausted and you have no other option left. Hence, a private loan is an unavoidable expensive loan where the lenders are at a profit and the borrowers are ever at a loss.

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Jan
23

International Students: Adapting yourself with life in foster country

Author: Sally Croft

Well! Just wondering the plight of students who come from abroad! When residents themselves have so many issues to face, it will certainly be a tough time for international students who come to the US to cope with the country, its culture and education and its consequential regulations.

adjusting-in-foster-country

Are you a student of foreign origin or been to the US for the first time ever. Adapting yourself to this culture is sure to take some time. Coming from a similar environment is comparatively easier to adjust than those who are down will cultural shocks.

Home away from home:

When you opt to study in a foreign soil you need to start as new bird. Right from the way you speak, dressing, approach and attitude, probably everything needs a change. Grooming yourself with the culture of your foster country is inevitable if you plan to stay here for a while whether for studies or employment.

The students who come to the US for academic reasons need to explore the options for a number of issues. Starting from their place of residence to the lending institutions, there are a number of reasons for which they need to toil around. Only a handful of students join colleges with their financial aid approved, most of them join courses and then try there level best for the aid.

Again, coping up with the pressures of education and finance is difficult for any student, it is all the more difficult for students from other countries, and they would feel like a fish out of water.

The real fears:

A number of negative emotions can certainly make your daily life difficult. Common reactions such as feeling deserted, depressed, sleep deprivation, physical sufferings, frustration and helplessness, health and food, cultures and routines of your new country, feeling of loosing identity, feeling homesick, difficulty in solving problems, victimized, vulnerable and anxious.

It’s a combined feeling of restlessness and inadaptability. Adapting to a completely new environment is not so easy. You will simply end up asking yourself “What am I doing here?” The longer you are at a place the better you get accustomed to its way of life. Those things which seem to be irreconcilable are no more an alien issue to handle. You begin to take the humorous way in handling things which was otherwise stressful.

Feel Home:

Before you actually do your best as students, it is very important to feel at home in your foster country. Only a casual attitude and better manageability can make you feel better. Only after you resolve your day to day issues can you really concentrate on the purpose of your migration namely education.

international-student

Again to meet the challenges in education you should be fully equipped both physically and emotionally. Of course, you will have a number of your seniors, who will help you handle issues better, but finally it is you who should face the challenge.

Welcome Aboard

We welcome you home to the US and wish you the very best for your life an education in this great country.

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