Tag Archive 'income'

Jan 06 2009

The Success Factors - Integrity By Michael Oksa

Published by admin under Self Improvement, Success

The Success Factors - Integrity By Michael Oksa

In this day and age it seems as though one of the basics of success has taken a back seat to personal gain. People in high positions often seem to try to get ahead at all costs, even at the expense of their principles. Integrity is the idea of sticking to your principles. Most of us understand that. You simply avoid doing what is wrong and stand up for what you believe in. However, there is a bit more to real integrity than that.

Not doing what’s wrong is a given, this idea is taught to us from a very young age. So, the most basic element of integrity is to avoid doing the wrong thing. If you’re not doing this already, it’s probably a good idea to start. As mentioned, integrity is more than that though. It is also doing what is right, even when it is not convenient. This can be hard.

Gossip is a good example. With some forethought it may be easy to not engage in gossip, that would be not doing what is wrong. However, in this case, doing the right thing would be confronting the gossiper along with the person being gossiped about. Not in an underhanded way, but in an open and friendly manner. In effect, you would be stopping the gossip, getting the two parties to communicate, sending a strong message and acting with integrity. In situations like this, tact is important. You do not have to be rude to maintain your integrity.

Keeping your word. To be a success you will need the help of a lot of people. These people need to trust you, and one of the best ways to develop that trust is to keep your word. Who would you rather want to help? Someone who is unreliable? Makes excuses? Goes back on their word? Or, someone who is proven to be reliable and trustworthy? Being known as a person of your word will get you farther than almost anything else on the path to success. In fact, it is impossible to go back on your word and be a person of integrity at the same time. There are times when extenuating circumstances may prevent you from keeping your word. In those cases you have to own up to it and…

Take responsibility. If you make a mistake, as we all know, the right thing to do is admit it. A person of integrity does even more than that - they try to fix it. Taking responsibility does not mean making excuses, as mentioned earlier. Just saying you are wrong is sometimes all it takes. Other times you will have to take charge and do your best to make it right. You can admit you are wrong, act with humility and still maintain your integrity.

Be fair. You can do all of the above, but if you treat people unfairly it won’t matter. It is impossible to be 100% fair all of the time, after all you are dealing with people. At the very least, you should strive to be fair. Then, on those occasions when you slip up, people will know you are trying to be fair. Those who treat people unfairly really do not embrace true integrity. If you think about, how can someone be sticking to a certain set of principles if they use those principles differently, depending on whom they are dealing with?

Just as it is with first impressions, it is much easier to keep integrity than it is to try to regain it once it is gone. Yes, doing what’s right may be difficult or uncomfortable, but it is the key element of integrity. Is it possible to get ahead without integrity? Yes, but you will enjoy it more if you have it, and the view from the top will be as satisfying as it is well-earned.

Michael Oksa is the publisher of the Income Success Journal. Get your free subscription which includes frequent updates of tips, techniques, and success methods of the world’s most successful people. In addition, he includes a monthly newsletter at no additional charge.

Why is he giving this away? Because he lives by the words, “Success is not about moving up, it’s about reaching out”. Visit http://www.incomesuccessjournal.com now to take advantage of this generous offer.

Sponsored by: http://www.Indiainfotech.co.in

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Jan 06 2009

The Success Factors - Commitment By Michael Oksa

Published by admin under Self Improvement, Success

The Success Factors - Commitment By Michael Oksa

History is filled with success stories of people who had hit rock bottom, and still rose to the top. They didn’t find a genie in a bottle, nor did they wave a magic wand to experience instant success - those are fairy tales. Yet, all of these people have some things in common. Commitment is the common bond that contributed to their life success, and you can put it to work for you, too.

Commitment to self

You need to be good to yourself, and do consistently. There will be times you feel like sacrificing your health (mental or physical), but suffering from burnout is not what success is. Make the decision to do what is right for you; not what others want you to be. Remember, success is self-defined.

Commitment to others

Don’t get the impression that you can be selfish and be a success, you can’t. Improve other people’s lives in some way, and make them better for knowing you. Keep your ego in check, be humble, and help others along the way.

Commitment to principles

Just as history is filled with “rags to riches” success stories, so too, is it filled with those who fell from grace. How could people who seemed to have everything have thrown it all away? Easy, they let go of their principles. Even the smallest lapse in principles can lead to such a fall. You need to select the right principles and commit to them, no matter what happens.

Commitment to success

You must continually nourish your mind with the right input. Success is an ongoing process that needs to be fed continually. One of the reasons people at the top have fallen is that they became complacent, but you can avoid that if you make the commitment now to constantly feed yourself with the good stuff.

Michael Oksa is the publisher of the Income Success Journal. Get your free subscription which includes frequent updates of tips, techniques, and success methods of the world’s most successful people. In addition, he includes a monthly newsletter at no additional charge.

Why is he giving this away? Because he lives by the words, “Success is not about moving up, it’s about reaching out”. Visithttp://www.incomesuccessjournal.com now to take advantage of this generous offer.

Sponsored by: http://www.Indiainfotech.co.in

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Jan 06 2009

The Success Factors - Setting Small Goals By Michael Oksa

Published by admin under Self Improvement, Success

The Success Factors - Setting Small Goals By Michael Oksa

The success gurus often say things like, “Dream big!”, or, “Make goals so big that they motivate you to great things!” Well, that’s all fine if you already have a success mindset, but if you aren’t quite there yet, then you may not even have a concept of how big ‘big’ can be. In fact a goal that is too big may be discouraging at first, so much so that you never take those first necessary steps to success.

Here’s an eye-opener for you: You don’t have to make big goals.

The truth of the matter is that you can set goals of any size, as long as they move you forward. Heck! They don’t even have to move you forward in the beginning; they just have to get you moving.

If you think about it, big goals are often broken down into smaller ones anyway. The only difference is that you will be making the smaller ones without the larger ones in mind (not yet anyway).

Getting into the habit of setting goals, taking action, and achieving them is far more important than how big they are. After you do it a few times, you will find your goals grow as each minor success is achieved. However, it’s not fair for anyone to tell you to make goals so big that you never do anything due to a lack of belief in their possibility.

No, the right size is the one that spurs you to action. Don’t let anyone scoff at what they think are small dreams, because even they must admit that we all have to start from some where.

Get your free subscription to the Income Success Journal which includes success tips, techniques, and methods used by the world’s most successful people. Go to http://www.incomesuccessjournal.com now to take advantage of this generous offer - and achieve the success you deserve.

Sponsored by: http://www.Indiainfotech.co.in

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Jan 04 2009

Financial Aid For Students Planning to Study Abroad By Devanshi Kothari

Published by admin under Education Abroad

For students going abroad for higher studies, it is imperative to provide proof of sufficient funds (at least for first year expenses). Mostly all universities require sufficient proof of financial aid for meeting expenses such as application cost, tuition fees, accommodation and living, health insurance, transportation etc. Therefore unless financial aid can be arranged, studying abroad may not be possible at all.

If you are an Indian student planning to go abroad for education, you can consider the various sources for financial aid apart from your/parents’ savings. A main options are as follows -

Bank Loans 

Various banks such as Bank of India, Andhra Bank, Canara Bank, State Bank of India, Axis Bank, HSBC Bank, Indian Bank etc. provide education loans for studying abroad.

Depending upon the loan amount, certain percentage of security (such as NSE shares, house mortgage etc.) is required and interest is charged accordingly. Recently, most banks usually do not ask for security or collateral for a loan up to Rs. 4 lacs. The interest rates would generally not exceed the Prime Lending Rates (PLR). Certain banks also accept a third party guarantee instead of security. (But this is usually for loans between 4 lacs and 7.5 lacs).

To avail of bank loans, the candidate needs to fulfill certain conditions such as he must be an Indian resident, confirmation of admission and requirement of minimum annual income. The repayment of loan generally starts after six months of course completion or one-month of job (if employed immediately after course completion) and the entire amount has to be repaid in 5 to 7 years (from the first payment).

Trust Loans
Trust Loans are either free or charge a lower interest rate (2 to 4 %). The loan amount is variable and is usually up to Rs. 1.5 lacs. However, they generally have a deadline by which you must submit the loan application forms. Few of the well known trusts are- J.N. Tata Endowment (soft loans between Rs. 50,000 and Rs.1.5 lacs), Sahu Jain Trust, Mariwala Trust, K.C. Mahindra Education Trust and R.D. Sethna Scholarship Fund.

Fellowships

Fellowships are comparatively difficult to acquire due to stiff competition. The popular ones are- Inlaks Scholarships, Aga Khan Foundation, Rotary Ambassadorial Scholarships and AT & T Leadership Awards (only for U.S.).

Apart from these, you can also acquire financial assistance abroad by way of University Funding - Scholarship/Fellowships/Assistantships, U.S. Banks Student Loans (for US) and other sources.

One must remember that most universities provide financial aid to overseas students on merit and not on need. It is easier to avail monetary assistance for graduate programs than undergraduate courses. The aid amount varies for different universities and fields of specialization. Also note that it is easier to receive financial assistance from U.S. and U.K. universities than those in Australia, New Zealand or Canada.

In case of undergraduates, Aid forms from the institute as well as the Foreign Student’s Financial Aid Form has to be submitted along with a bank statement. Forms may ask details about your personal and total (family) annual income, average living expenses, asset details etc.

Postgraduate students must mention about financial aid requirement in their application forms. Meritorious students receive financial assistance most commonly in the form of tuition waivers, scholarship or fellowship and assistantships (a cash stipend to take care of their expenses and in return they work for certain hours a week- either teaching or research based).

Please note that Indians usually are able to manage some funding after one or two semesters.

A U.S. Bank loan is among the best alternatives for MBA students. When applying for bank loans in US, a co-signer (US citizen or permanent resident) is required. However, several banks will waiver the co-signer requirement.The relevant information will be available on the university website.

Ensure that you go through the university information thoroughly and understand the terms and conditions properly.

This article is written as a part of the online initiative of ICICI Lombard GIC, India, to create awareness and provide information to all Indian students going abroad for higher studies. Also visit Indian Student Online blog -http://indianstudentonline.wordpress.com for more articles and tips.

For information on Student Medical Insurance visit http://www.icicilombard.com/app/ilom-en/PersonalProducts/Travel/Student.aspx

Submited by : http://www.SEMbook.co.in

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Jan 04 2009

Student (Education) Loans to Studying Abroad By Barla Keerthana Swarjeet

Published by admin under Education Abroad

The student (education) loan is one of the major factors to studying higher education abroad, whereas in the countries like India, students cannot afford for overseas education. As the cost of education is increases steadily it becomes a quandary for the students and their parents to take a loan on board. While the parents aspire to give best education for their children, their financial necessities dissuade them from embarking on this expedition.

Though, the study programs like engineering, technology, computer science, medicine and management costs much expensive and if you visualize these course abroad the count goes tripled or quadrupled. In such situation, it would be wise and of course ought to prefer for education loans.

However, many banks today are facilitating student education loans and the demand for the loans is on a rise as the cost of education is escalating over the years. Student loans are classified according to the priority sector lending for public sector banks, which are even offered at the low interest rates. The following are some of the necessities that students have to be attentive while applying for the education loan.

Usually, students will be asked to repay the loan amount after the 6 months of the course completion. So that students could find enough time to search a job and get in to that and have flexibility in repaying the loan without involving much hassles in them. The tenure of the student loan ranges between 5-10 years, which may be varied based on the bank and the loan amount.

To apply for student educational loan you need to fulfill certain eligibility criteria. To qualify for the loan student should have attain the age of 18 years and should have a bank account and have to prove of seeking for studying abroad.

Necessary Documentations For Education Loan

• Mark sheets of previous academics 
• Proof of admission 
• Schedule of expenses 
• Borrower’s bank account statement 
• Income tax assessment order of last 2 years 
• Proof of income 
• Brief statement of assets/liabilities

The student education loans are offered for both the graduate and postgraduate courses. Usually, the loan amount is higher for the professional and postgraduate courses than for the other courses. This kind of loans covers the entire student expenditures including the tuition fee, library, accommodation, books, conveyance and all the other relating outlays.

Impel is the Global Education Consultancy that provides all the information about Study Abroad

Submited by : http://www.SEMbook.co.in

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