Free online education websites

Education is necessary to keep up with the living standards and the rapid advancement in the modern era. This is a widely accepted truth among almost all parts of the world that the education of population is a massive investment towards the bright future of a county. But these days, with the decreasing economy post high school education is impossible for some students and people who live in rural areas have a hard time accessing to high schools.

 To overcome this issue and support the needs of people hundreds and thousands of online education systems have been introduced in the past decades and are contributing to spreading education among the underprivileged. So many brilliant minds are left behind and are unable to make changes due to the lack of opportunity and education. The modern era has left no excuses for them to give and online education websites provide free education in any part of the world. Some of the best online education sites are free of cost:

Coursera.org

Coursera offers a massive variety of online open courses with the subjects of choice. It also provides the lectures taught by professors from university, quizzes and important forums. Some of these courses also certify individuals for the course they’ve completed for recognition. This is one of the best free educational sites offered to interested students.

Duolingo

This is a language based site for improving skills in any language. This provides lessons and teaches grammar to perfect the language under consideration. Some of the main languages taught on this site are Spanish, French, German, Italian etc. It makes student familiar with video, audio and writing skills in order to attain comfort with the language.

Khan Academy

Khan Academy is a complete platform for study in various subjects such as Science, Math, and English etc. It educated the students in forms of mini lectures and explanation videos. It provides information only on a certain topic at once, but the topics are dependent on each other. Khan Academy is extremely popular among high school students and junior level.

iTunes U

This site provides video and audio learning in an integrated form. It is right inside the iTunes program where people manage their music. The tool offers online courses with complete lectures, the ability to take notes on those lectures and assignments to continue learning outside of the lecture environment.

MIT OpenCourseWare

This site is an impressive collection of course materials from the Massachusetts Institute of Technology, with the complete provision of notes, lectures, sample tests and assignments of the university. MIT is a leading institute in fields of Science, Computer and Engineering.

EdX

Similar in presentation to Coursera, it offers full online courses with teachers, discussion boards, quizzes and much more. It tends to excel at courses in math, sciences and engineering. Much like Coursera, it has arrangements with a number of universities – from Harvard to the University of Hong Kong – to provide material. It provides a highly structured course environment.

Codecademy

This website is a brilliant tool for learning the basics of Computer Programming. It teaches you how to write the necessary codes to develop interactive websites using the most widely used languages such as HTML, CSS, JavaScript, jQuery, PHP etc.

Academic Earth

Academic Earth brings together top notch courses from many different sources, and focuses on offering a wide variety of subjects. Academic Earth lists courses by subject and school, so it might be easier for the users to find what they’re looking for.

Ted- Ed

Ted-Ed is packed of educational videos on a variety of general education topics that can be accessed for free. Not only are there motivational speakers on Ted, there are also topical videos, often less than ten minutes each that are full of important information.

The thing that is to be kept in mind is that all free education websites provide all kinds of information varying in levels of professionalism and difficulty, but the passion and interest of students is necessary. Online platform for study is provided solely for the purpose of educating children and people from far off or poor areas, and people should benefit from it.

Read More

Small Business Insurance

Small Business is generally easier to handle compared to large scale business. It requires triple amount of hard work and effort put into it and it and constant attention. Business can be tricky, and every single one of them suffers the graph of profit and loss. To protect any major losses or even incidents which lead to legal hearing, insurances are offered by companies. Any small business should have multiple insurances regarding major or minor happenings.

General Liability Insurance

Each business, whether or not it is international, requires having liability insurance.  The insurance policy offers both legal defense and any damage caused if the customer, his employees or their products/services cause  any harm or are alleged to have caused any Physical Injury or Property Damage to a third party.

Business owner’s policy

 A business owner policy package is all that is required to cover what he needs. Most of the time, BOP’s  include insurances for business interruption, property, vehicle, liability and crime. According to the company’s particular needs, one can edit what is included in the BOP. Traditionally, business owners save money by choosing a BOP because the total service package costs less than the total cost of all the individual coverage’s.

Property Insurance

This is one of the most vital insurances any business owner should have. Small business owners require more insurance so that in case of any incident or loss, the company doesn’t completely shut down and loss can also be mended easily. Business owners have their own building or own business personal property, including office equipment, computers, inventory or tools that should be considered purchasing a policy. Property Insurance protects in case of fire, vandalism, theft, smoke or damage etc.  Business interruption/loss of earning insurance should also be considered as a part of the policy to protect one’s earnings if the business is not capable to operate.

Worker Payment Insurance

This offers insurance to employees who are injured on the job. This kind of insurance provides income replacement and medical assistance to those who are injured while working. As a replacement for these benefits, the employee disowns his rights to sue that employer for the incident. Being a business owner, it is vital to have worker compensation insurance because it protects one’s self and the company from any legal complications.

Commercial Vehicle Insurance

This insurance protects the company’s vehicles. You can protect vehicles that carry employees, products or any sort of equipment. With commercial auto insurance one can insure their work cars, SUVs, vans and trucks from collisions and damage.  If you do not have company vehicles, but employees drive their own cars on company business you should have non-owned auto liability to protect the company in case the employee does not have insurance nor has inadequate coverage.  Many times the non-owned can be added to the BOP policy.

Professional Liability Insurance

Professional liability insurance is also known as Errors and Omissions Insurance. The policy for this insurance provides defense against any damages or failure to improperly rendering professional services. The general liability policy does not provide this protection, so it is important to comprehend the dissimilarity. Professional liability insurance is applicable to any professional firm including lawyers, accountants, consultants, real estate agents, etc.

Home Insurance 

This is one of the most important kinds of insurance that an individual needs. This type of insurance protects against any damage to home and against damage to items present in the home. Moreover, this type of insurance also protects you from accidents that may happen at home or may have occurred due to actions of one’s own self.

Director/Officer Insurance

This insurance protects the position of directors and officers of the company against their actions that can affect the profitability or operations of the company. If a director or officer of the company, as a direct result of their actions on the job, finds him or herself in legal circumstances, this type of insurance can cover all costs or damages lost as a result of the lawsuit.

Data Violation Insurance

If the business hoards sensitive or non-public information about employees or clients on their computers, servers or in papers, they are responsible for protecting that information.  If any breach occurs either electronically or from a paper file a Data Breach policy will provide protection against the loss.

Read More

Debt of Education

Decreasing economy is leading to increase in budget nearly every day. Expenses are going up sky high; people are worried about paying rents and buying just enough food. These problems haven’t been looked after and they won’t be any soon. Such times have also increased the tuition fee and rates of college education or universities, and it is now harder than ever to afford higher education. This is because to attend college not only tuition rates are to be worried about but also room rent, clothing and food.

Many a number of students are studying on scholarships and a fairly large number of students work part-time to pay off their student loans and debt for college. They go through the toughest times of their lives managing both work and college just for the sake of a better future and the passion of achieving their goals. The debt of education is increasing day by day.

Eligibility criteria for loans- Candidates who have passed their high school with fair grades are eligible to apply for loans. These loans have been planned to provide the opportunity to attend college and are provided by banks, universities, insurance policies, colleges and Federal Aid programs etc.
Why college costs so much? -  This reason has never been- till present- explained thoroughly why tuition cost is rising heavily every year. Most surveys and teachers believe that this is so that the college has less number of students who have the best minds and are able to make their way through college.

Facts into focus, this does seem to go along a little with the rising rates. The most intelligent students earn scholarships and those who have passion to study also work so most students in college graduate successfully. But this is no way fair to people who cannot afford it even after double shifts and jobs and loans. Also, countries don’t primarily pay attention to the field of education and the almost non affordable tuition rates.

Drowning in debt- Rising costs and extensive debate about the economic returns of a college degree—the pace of education peaked in 2010 and has been falling since. The growing gap between the cost of higher education and the growth of household income is also putting a hold on the college dreams of millions of families. The 2013 survey in America declared that 62 percent of the population could not afford to pay for college. More than half the population agreed that a college education is important to a successful future.

How much is spent on college? - Private colleges and universities are considerably more expensive than their public counterparts. According to College Board, tuition and fees average over $ 30,000 per year. Tuition is the amount only charged for classes. The other fees related to enrolling and attending a college includes room and board, books and supplies, personal expenses and transportation. It is essential to note that most college students receive some sort of financial aid - money that is given or lent to help pay for the cost of college.

What can be done to minimize this? – A prominent reason for students in debt is because they have no help from their parents. The individuals have just turned legal, and affording college education almost instantly is practically impossible for them. Parents should at least help their children enough to provide them with an average of some kick start money which can motivate them and boost their Morales.

Government should consider this progressing problem which is ruining aspirations of millions f people and improve employment opportunity and economy rate so that this problem can be minimized to some extent.

Problems of Indebted Students- Academic pressures consist of learning how to manage time and meet deadlines, prepare for tests and written assignments, and steer communication with instructors. Many college students also have to cope with pressures from financial debts. The rising costs of college and the risk of losing a scholarship due to academic performance enforces many students to take on part-time jobs to pay room, board and tuition expenses and daily expenses, such as utility costs. Some students struggle with loneliness, anxiety, bullying, depression and homesickness while at college, especially within the first few semesters. These social pressures can lead to mental health issues.

Read More

Education in United States

Basic Information

America is one of the largest continents in the world and it has developed rapidly into the foremost advanced countries, and has become one of the greatest super powers of the world. America firmly believes that educating people is one of the greatest influences of all times and it adds massively to the development of a country.

Every country and state has its own education system and compulsory years of education, which are commonly twelve throughout the world. Even in the same states, variations are common in all schools. This can be due to the quality of teaching, change of course, and qualification of teachers present in the school. American schools have tended to reflect the educational values and financial capabilities of the communities in the location.

Early Education  

Early education can be branched into different types e.g. Day Care, Kindergarten and elementary school. Day Care is the education given by baby sitters and care takers while mothers need to attend to their jobs and meet the needs of family. This is one of the most basic forms of education where children are made familiar to colors, numbers and alphabets etc.

Kindergarten, where as is the training of children to spell or read words and learn basic math like addition or multiplication. This is for children who are almost six years of age and can easily talk. Further progressing to elementary school trains children to write paragraphs, solve a bit more complicated word problems and learn basic science.

Junior High School

Once passed through fifth grade children advance to sixth grade known commonly in America as junior high school including the sixth, seventh and eighth grades. This is basically a prep for higher classes where complex science and math is taught. Languages are also introduced in this such as French or Spanish.

High school 

High schools in United States consist of field trips, tougher study, conceptual exams and what not. But all this also consists of co curricular activities to enhance the personality of students and boost their confidence. This is where students become aware of their interests and goals and prompt themselves for professional studies in the future.

Aptitude Tests

After graduating high school, students are required to take aptitude tests in order to judge their capabilities and assess their personalities so they can apply for admission in their desired colleges. These aptitude tests can be for Law, Engineering or Medical colleges etc. They are commonly known as SAT’s, LSAT’s (for law) etc.

Professional Education

High school graduates can further acquire professional education through colleges and universities. By enrolling for graduate programs, they are awarded with professional degrees which can help them land better jobs in better places. Professional education is not possible for all students due to expensive tuition. Professional Education can be at Bachelors, Masters or Doctorate Level.

Cost of Education in United States

Unlike some countries, America provides free education to everyone till high school so that no one can be alienated from the basic concepts and knowledge. All high school expenses covered, but College and Universities charge excessive tuition fee that most families can’t afford. This is why enrollment rate of individuals in college is far less than high school. Passionate students work double shifts in order to fulfill their requirements and pay off their student loans.

Scholarships

Academic and need based scholarships are provided to the most intellectual and hardworking students. These scholarships help some of the brightest students to achieve their goals and join the workforce someday for the development of the country.

Literacy rate in United States

Despite all efforts and hardships, the country cannot meet to provide education to each and every individual. According to a recent study by U.S Department, nearly 32 million people in the United States cannot read; that makes almost 14 percent of the population. This is an alarming situation for America and this issue should be brought into focus immediately.

Individual Responsibility

Individual responsibility has a vital role in the American system. This value is taught to children from a very young age. For example, beginning from kindergarten, each year students are given a handbook that outlines the details of the school’s policies and procedures, and the consequences for violating them.

Read More

Distance Education Degree

Technology has helped people from far most rural areas of the country to educate themselves by the dynamic world of online education. Far most countries can also access to online education anywhere in the world as there are no geographical constraints. No excuses can be made. Distance learning is home assignments and self preparation with the help of recorded lectures and learn while being at a different location to the course provider.

Distance education opens up to a massive amount of students who struggle daily for lectures, seminars, other activities and also who work hard at their jobs. On campus shift is hard for them to keep up with. In this, students can create their own routine, study at their particular times and also concentrate in peace as they don’t have to rush between lecture halls and colleges every day.
How many disciplines are available? -  Almost all disciplines are now open to distance education degrees so students can get the degree of choice. It is important to access one’s self for the choice of a program and does what the student has most interest in. It will help him to excel that field and his career. The list of disciplines includes Education, Journalism, Literature, Art, Science, Engineering, Medicine etc.

Duration of a distance degree- The time of the complete degree depends on whether the individual is studying part time, full time, or according to the field he chooses. Medicine and engineering takes longer, but that totally depends on the programs. The time frame is similar to that of the normal on campus degree programs. The accredited universities will give a specific time period for the completion of their work and assignments.

Cost of distance education degree- Open University in United Kingdom is one of the largest providers of online/distance education, according to their research, the budget of online degree is 6500$ less than that of on campus degrees in any university. Learning from a distance also results in a considerable saving on accommodation and travel costs. The best universities are in London, UK, Paris, New York where the cost of living is especially higher.

Famous Universities offering online professional degree- Some of the best universities in the world have also introduced online degrees in order to facilitate people all over the world. Some of those universities include Oxford, Stanford and University of Florida.

 Countries with online education system- A large number of countries have established this system in their country and more countries are joining this day by day due to increasing demand of education and especially when technology has made everything easier.

Difference between distance education and regular education- 

Regular Education

This is the oldest and most typical way of getting education and learning. Sure the experience of college life is worthwhile, but the students struggling with their lives and problems of affording their tuition don’t have much help and this is why so many students leave college halfway, work double shifts and thus don’t concentrate on their studies much. Students have to report exactly on time for quizzes seminars and lectures. They have to submit their projects and perform all practical experiments. The life of a college student is hectic. In addition to all this, on campus programs cost a fortune more than those of online degree programs.

Distance Education

Distance education teaches us more independence because students have to observe themselves and correct their projects. No mentors are present full time to correct your mistakes. Regular classes are compulsory for all students where as online classes are optional and students can access lectures and notes on sites anytime. There is no necessity of taking internal exams except some subjects under this scheme of study.

Merits AND De-merits of distance education-

Online education degree has no time limits and attendance restrictions, self learning, speedy progress in one’s self development, unique brains from remote areas, opportunities for higher education and improved skills. But then again, considering the facts, the disadvantages of this includes no supervision, no suggestions, negligible practical experience, limited awareness and no reviews. We can say that online education must be considered as the best option only if on campus education is strictly non-affordable for an individual, but that doesn’t state that online education programs have rank zero.
There is a common misconception that online degrees are not accepted of preferred at interviews or for hiring. But the times have changed; now the best universities are offering online courses, and the interviewers and companies give equal importance to online education degrees and regular degrees.

Read More

Masters in Education

The swift increase in population is a threat to the world. Millions of people around the world are unemployed and are working in position nowhere relevant to their field of study. More and more graduates are stepping into practical life to join the work force and the competition is getting tougher. In this case, only the graduates who have extra talents and abilities can get the job.

But there definitely is another way to overcome this problem; A Masters Degree. Masters in Education is a post-graduate degree offered to individuals after the completion of their Bachelors degree.  This degree is an excellent opportunity to improve the level of one’s education which results in better job offers. The ratio of graduates to postgraduates differs by a colossal difference which is definite because the more educated an individual, the more profits he can earn for his workplace.
This degree also prepares the candidates willing to continue for higher postgraduate degrees like Doctorate or P.H.D to ensure a better understanding of the subject and expand their research. It includes various majors such as instruction, curriculum, counseling, administration and school psychology. The basic objective of this degree program is shaped for professional development and people who want to excel at their lives and improve their living standards.

Value of this degree- Almost all masters degree holders are employed at good places and are well paid. Interviewers and companies prefer people with better expertise at their fields and who can prove themselves as an asset to the company. Bachelor degree holders don’t get targeted jobs and get a hard time finding work. The 2008 survey of employers conducted by the UK’s Association of Graduate Recruiters found that those employers who were prepared to pay a premium would pay master’s holders a noticeably handsome amount more than the bachelor's degree.

A 2010 article on the Society for Human Resource Management website noted that demand is so great for advanced education that a master's not only increases salary, but also leads to greater sustainability within an organization.
Types of Masters Degrees- The post-graduate degree program can be divided according to the fields.

Master of Arts (M.A)

This title is awarded on the completion of degrees from the categories of Arts and Social sciences. Social sciences include communication, language, linguistics, literature, history, education and music.

Master of Research (M.Res)

This is a research–based degree acquired by individuals to expand their horizons and contribute to the corpus of the world. Whether it be any subject, applied science or art, research plays a vital role in the development of any field.

Master of Science (M.S)

All sciences and applied sciences like Mathematics, Biology, Chemistry, Physics, Engineering, statistics and health are included in this.

Master of Studies (M.Std)

This degree is taught only in a few places e.g. Oxford, Cambridge Canberra and Dublin and precisely described as similar to the M.A /M.Sc degrees. It requires thesis completion, research and classroom learning.

Other types of Master’s degrees are specified according to the subjects.

1. Master of Business Administration (MBA)
2. Master of Library Science (MLS, MLIS, MSLS).
3. Master of Public Administration (MPA)
4. Master of Public Health (MPH)
5. Master of Social Work (MSW)
6. Master of Laws (LLM)
7. Master of Arts in Liberal Studies (MA, MALS, MLA/ALM, MLS)   
8. Master of Fine Arts (MFA)
9. Master of Music (MM/MMus)
10. Master of Education (MEd, MSEd, MIT, MAEd, MAT)
11. Master of Engineering (MEng)
12. Master of Architecture (MArch)

Why to get a Master’s degree? -

Increasing unemployment in the world is becoming a major problem. People, who opt for higher studies after post-graduation get higher salaries, face minimum unemployment due to the strong marketplace demand. They have lesser chances of losing their jobs and work stress free with better job security. It urges a person to create powerful incentives to ascend in life.

Promotions and Credibility- 
A Masters a degree in particular earns you excellent professional credibility among clients and boss. One can even find various other income options through writing etc that cannot be earned through a Bachelor’s degree. The better standard of the work and efforts, the better chances raise for a promotion.

Read More

Happy New Year 2017 Urdu Poetry Collection

Happy New Year 2017 Urdu Poetry Collection 
New Year Pics 2017 in Urdu
2017 poetry In Urdu

Most welcome to my blog with kind of contents comes to Happy New Year 2017 Poetry in Urdu.-2016 is ending and New Year 2017 is just to say hello, Happy New Year Poetry in Urdu. We are adding in this blog best New Year poetry images to wish your friends, family and your love. Therefore New Year images in aborigine language Urdu are given exclusively.

 2017 poetry In Urdu;  In this blog post we are going to explicate Best Happy New Year 2017 poetry In Urdu which is certainly a big one as compared to others and I hope you like my this effort. Select the best ones and blast out with these awesome happy new year wishes.

New Year Pics 2017 in Urdu:  This is the only and awesome occasion in which everyone makes a new inception by leaving all the things behind that you have not needed. If you are hopeful the same on this New Year 2017 then we add a huge collection of Happy New Year Images in Urdu, New Year Urdu Greetings, Happy New Year 2017 Messages in Urdu. Share your Happy New Year 2017 Pics in Urdu.

Happy New Year 2017 Photos For FB; Nowadays Pakistani and Indian facebook users find these type of poetry to post on facebook or another social website,

Read More