Tuesday, January 19, 2021

Published January 19, 2021 by with 0 comment

Top medical universities in New zealand - Best universities For Study In New Zealand

Study In New Zealand

 New Zealand has 8th position in the QS World University Rankings of 2019, all situated in the overall top 500, considering a way of thinking which assesses each school’s reputation among managers and scholastics, similarly as its assessment influence (references per worker) and various segments.

8. Auckland University of Technology has ranked 464th in the world in 2019, Auckland University of Technology (AUT) was developed in 1895 as the Auckland Technical School, and today gloats the most essential score any of the best schools in New Zealand for the degree of worldwide understudies pointer, situated in the world.



7. Massey University, arranged in the city of Palmerton North on the North Island, has fallen to some degree within the current year’s situating to joint 332nd, anyway is notwithstanding dependably found in the overall top 350. It’s the primary school in New Zealand to offer courses in flying, question objectives, veterinary medicine, and nanoscience.

6. Lincoln University rank 317th in the global this year close to to the Czech Republic’s Charles University, Lincoln University receives robust ratings for its paces of both overall understudies and workers and is moreover assessed in the overall top 50 for cultivation as of the latest QS World University Rankings through Subject.

5. OneSchoo global is considered the best school in New Zealand to improve its position this year is the University of Waikato ranked is 274th in the QS World University Ranking in the year of 2019.

4. School of Canterbury Arranged in Christchurch, the greatest city on New Zealand’s South Island, the University of Canterbury is situated joint 231st this year and is one of the country’s most prepared schools, having been set up in 1873 as Canterbury College. It at present has an understudy people of around 14,000, included 80 identities.

3. the University of Wellington was founded in 1897 and its ranked 221st in the world in this year of 2020. It moreover remembers for the overall top 100 for 12 subjects in the QS World University Rankings by Subject, including the fundamental 50 for law, library and information the board, and neighborliness.

2. School of Otago ranked 175th on the planet near to two unique schools, the University of Otago is the most settled institution in New Zealand, having been set up pretty much 150 years earlier in 1869. It’s generally arranged in Dunedin and has around 20,838 understudies, including 2,837 overall understudies.

1. School of Auckland The fundamental among the best schools in New Zealand continues being the University of Auckland, paying little mind to it falling three places this year to now rank 85th on the planet. It achieves its best situation in the insightful reputation marker.

These are the greatest schools of the country (with 41,866 understudies),  these are in the list of overall top 50 for 18 subjects in the QS World University Rankings by subjects in the year of 2018, including fossil science, nursing, and business.


TAGS: top medical universities - top medical universities in new Zealand - Best universities



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Friday, September 11, 2020

Published September 11, 2020 by with 6 comments

How to Show Your Home with Pets


 According to III, roughly 85 million households in America own a pet. That’s roughly 67% of all households! That being said, that means it should be no surprise for a homebuyer to encounter a pet when they are looking at home. However, this can be an extreme “turn off” for a lot of home buyers. You may want to look at what showing your house means when you take your pet out of the equation.

Understanding Why Home Buyers Dislike Pets

There are a few reasons that a homebuyer could dislike a pet. One consideration may be their background. If a person never grew up with an animal in the home, or even straight up dislikes pets, then they could not be interested in the home. Your pet could deter them from fully viewing the house because they are preoccupied with avoiding your pet.

You also cannot control the behavior of your pet which is another aspect to keep in mind. Normally friendly, lovable animals could dislike the vibe of one person and end up acting aggressively towards them.

Another aspect that home buyers could think about when they see your pet is all the damage that the pet does to your home. Toilet accidents, sickness, etc. could all affect the home and that may be discouraging for a potential homebuyer.

How to Show Your Home Without Pets

The best course of action for you to take is to temporarily relocate your pets while you show your home. While many pet owners think that putting them in the backyard or a separate room will be good enough, that’s actually not the case. If possible, you want to remove your pets from the home completely. You can handle that a few ways like having a family member or friend watch them, putting them in a kennel, taking them to work, treating them to a spa day, taking them for a long hike, or even going on a car ride. You have a lot of options when it comes to what you can do with your pet when your house is being shown.

How to Show Your Home with Pets

If you are insistent on not relocating your pet, then there are ways that you can overcome that obstacle as well! You can put your pet in a carrier or crate, notify your real estate agent, and put a note saying to leave your pet alone while the house is being shown. If you take the proper steps your pet doesn’t need to be an issue! You will want to keep your pet’s toilet needs clean and out of sight. If you have a cat litter box then clean it and put it somewhere hidden temporarily. If you have a dog pooper scooper with bags, then put those items in an area that isn’t noticeable. The best places are areas like a garage, laundry room, storage area, or shed. Depending on the law, you may need to tell the potential buyer whether or not pets have lived in the home. However, you don’t need to make it extremely apparent. You can remove other signs of your pet like photos of them, their food/water bowls, pet accessories, and more. Any other telling signs that you currently own a pet can be relocated temporarily while showing the home. If you find that your home has stains anywhere or even odor spots, then you want to get those removed. You can either clean them yourself or have them professionally removed. Pets don’t need to be an issue when showing your home if handled properly!


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Published September 11, 2020 by with 4 comments

Understanding a For-Profit College


When you were searching for colleges, you may have come across the term of a “for-profit” college. It is important to understand what that means for you academically and financially so that you can make an educated decision that is best for you.

Understanding a For-Profit College

All schools operate their finances differently, in cases of for-profit schools, they operate similar to a business. They plan to make a profit and create more revenue than what they spend. Non-educational money that is brought in from the school is typically provided by investors which a large portion is dedicated for marketing purposes. This is different than a traditional school financial setup because any revenue that the school generates should be reinvested back into the school. According to the National Center of Education Statistics (NCES) roughly 2,700 higher education schools in America are private for-profit institutions. These schools suffer from a lack of students who choose this as their route for college. Some reasons for this lack of student body is due to the fact that these schools are primarily located in metro areas and a majority do not provide degrees. Only a few are degree-granting institutions while the others offer certificates and trade programs.

Advantages and Disadvantages of For-Profit Colleges

One of the main reasons that students choose this college path is because it offers a higher level of flexibility. Due to this fact, these colleges also tend to have a more diverse student body consisting of low-income students, single parents, students with no high school diploma, older students, non-white students, and more.  

The downside is that even though these colleges heavily market on the fact that they can provide the promise of career advancement and higher pay, they may not be able to actually provide those results. Instead, students are charged with a high cost of tuition, which causes debt to pile up. Due to this issue, some for-profit colleges are categorized as trade schools or career colleges.

What is the Controversy with These Schools?

There is a lot of controversy about these types of colleges. The reason for that is because of the way that the college is run. Since they are set up like a business, they end up charging high prices for minimal service. This method allows them to get the best financial returns as possible. However, there are also low graduation rates, accreditation issues, schools closing on students, and high amounts of debt that these students face when attending these colleges.

The Cost of a For-Profit College

The reason that this school is also not widely used is because of how expensive their tuition fees are. In fact, according to The Balance, for-profit colleges are significantly more expensive than public colleges by thousands of dollars for the 2017-2018 school year. They are still less expensive than private nonprofit colleges, but a student can spend thousands more for a college that may not provide what they need.

Overall

There are both advantages and disadvantages to this schooling path. However, the negatives outweigh the positives so it is extremely important that you take the time to research to consider why you would want this schooling option. You should keep into consideration aspects like the cost of attendance, what you’re trying to achieve, the graduation rate, the loan default rate, and more. Factors like these will help you make a better decision because you can comprehensively look at any school to see if it would be the right fit. If you are still considering a for-profit college education, then you need to take the steps necessary to make sure that your college is worth going to. You want to make sure that your school is accredited and also has a good bond rating. From there, you will be able to make a more confident decision when choosing your for-profit institution!


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Published September 11, 2020 by with 0 comment

What Happens Financially When You Drop Out of College


 It can be a difficult decision when deciding whether or not to attend college. It is also a difficult decision if you decide to stop attending college. In fact, according to the Washington Post, more than half of students who start college drop out within six years. Many people don’t realize that when they drop out, they also run the risk of facing consequences on their finances. When students begin attending college, they typically fill out a Free Application for Federal Student Aid (FAFSA). This form was designed to determine the eligibility of college student financial assistance recipients. This assistance is typically given in a lump sum for the completion of the academic year by the student. All of these aspects can affect what dropping out of college means to a student.

You are Required to Repay a Part of Your Federal Aid

According to Value Penguin, the average cost of college for the 2017-2018 school year was on average $20,770 for in-state public college, and $46,950 for nonprofit private schools. These numbers are only including the cost of tuition, fees, and room and board. However, other aspects like books, school supplies, etc., are all fees that can make that cost even more expensive.

If a student drops out of college, they may be required to repay a part of their federal student assistance that they received for the cost of their tuition. This is especially true for Pell Grant or Stafford Loan recipients. A student can even owe up to 50% of the help that the Department of Education had determined was not actually used for education. If a student received their assistance from a state agency, they may also be responsible for repaying a portion of their funds.

Understanding Loans and Dropping Out

In an ideal world, a student loan would be discharged upon dropping out of school. However, that is not the case. Any remaining balance of student loan debt that is retained by an education institution or parent that is due until the point of dropping out will be due immediately. This means having a repayment plan already set up would be the best course of action for a student to take. Students that dropout may not receive the typical exit consultation that comes with student loans so they will need to formulate a plan on their own. A good rule of thumb is to pay off any student loan debt sooner rather than later.

Understanding Grant Programs/Scholarships and Dropping Out

Each scholarship or grant has their own requirements so a student will need to be extra careful when reviewing them. A majority of these assistance options require that the program must be properly completed. If not, a student may be responsible for repaying a portion or the entirety of a scholarship or grant.

Understanding ROTC Dropouts

The best course of action that a student can take is to have a conversation with their specific military branch in order to determine what obligations they have if they choose to drop out of the ROTC program. Luckily, in general there is no responsibility if the student decides to drop before their sophomore year. However, past that, they may be held responsible for the tuition, or even have to enlist and join active military service depending on the reason for dropping. A student should take it on a case by case basis and speak to their branch to find out.

Can a Student Avoid Financial Repercussions When Dropping Out?

A student will be able to avoid financial repercussions when dropping out depending on their situation. However generally speaking, if a student decides to dropout, they will be responsible for some form of repayment. The best way to avoid that dropout repayment is to stay in school. That is easier said than done but it is important to consider alternatives to dropping out like free tutoring assistance, changing degrees, updating class schedule/workload, or even transferring to a different college. Dropping out should be a last resort for students if they really can no longer complete their education.


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Friday, July 17, 2020

Published July 17, 2020 by with 34 comments

8 Tips for Apartment Searching on a Budget

When you begin looking for an apartment you should already have a pretty good understanding of your financial situation with a budget that works for you. However, it can still be near impossible to find an apartment you want that still fits with your cash constraints. Luckily, there are ways that you can make an apartment fit within your budget better!

1. Find a Roommate
While living with someone may not be an ideal situation for you, it will definitely make an apartment more affordable! There are multiple ways that getting a roommate can help your situation.
One way that a roommate can help is by reducing how much you spend on your apartment. If you budget is $750 at most on rent and you were looking to live on your own, you may be able to pay less than that. Let’s say you and your roommate find a two-bedroom apartment for $1,200 which you split equally. Instead of originally paying the $750 you had planned for, you only have to pay $600 which saves you $150 a month!

Another way that getting a roommate can help your situation is for your personal style. The more money you spend on an apartment means that it is likely to be nicer. That being said, if you get a $1,500 a month two-bedroom apartment on your $750 rent budget you can get a place that better fits your aesthetic.
There are so many great ways that a roommate can help because not only do they split the cost of rent, they split the cost of everything else! You will be able to split money on utilities, groceries, furniture, and more.

However, it can be difficult to find a roommate that you not only trust but that you can live with as well. There are many ways to find a roommate but a good place to start is by asking family or friends if they know anyone personally that is looking for a roommate. If you have no luck there, then joining Facebook groups can connect you with other renter’s in the area. Make sure when finding a roommate, you run a background check and credit check on them just as they should do for you. You don’t want to make the mistake of living with someone that cannot be responsible with bills.

2. Pick a Better Time to Move
Many renters don’t know that just like popular wedding seasons, there are also popular moving seasons! There are many aspects that affect the rental market in more ways than you may think. You want to look at the location to decide other factors of when to move in. For example, if you are looking at an apartment with a university nearby, then you should expect high moving times to be in between semesters.
If you don’t have any locations that affect the moving spikes, then take a look at the weather. Colder seasons like Winter and Fall (as well as the holidays within them) cause less activity with movers. During these “off” seasons, you are more likely to get a deal like discounted moving in fees or waived first month’s rent. Either way, these “off” seasons regardless of the reason are the best times to move.

3. Make Sure You Ask the Right Questions
It is extremely important to ask the proper questions to your potential landlord. You want to understand any and all fees that are associated with the property from utilities, to parking, to garbage, to your deposits, pet fees, etc.

4. Try Looking at New Apartment Buildings
While many people may feel like a brand-new apartment is automatically out of their budget, that may not be the case! Often times, new apartments desperately need tenants so they may offer moving-in specials that can offset the cost of rent!

5. Find Units That Most People Avoid
When you are on the lower unit, you have easy access to your car. When you are on the top unit, you have no one above you and potentially have a nice view. When you are in the middle unit, you get the inconvenience of not being on the first floor while still having people live above you. That is why middle units typically go for less opposed to their first floor and top floor counterparts. If you find a middle-floor unit with a roommate, you will definitely be able to save a lot.

6. Don’t Hesitate if You Find a Gem
If you find an apartment the works for your budget, you like it, and it is in an ideal location, then you need to act! Apartments go on and off the market constantly, and you may miss an excellent find if you feel the need to wait. Submit your application ASAP if the apartment works!

7. See if You Have the Ability to Negotiate
It may make more sense to get a “fixer-upper” type of apartment that you pay out of pocket costs for. Sometimes these one-time fixes like a new paint job or a wall fix are significantly cheaper than getting an apartment that doesn’t need any work done.
When you try negotiating you need to go into the conversation with a plan. You can try to just make a deal where you pay less because of the damage or you can even try to really seal the deal with incentives. You can promise you will have a certain number of fixes done by the time you move out which boosts the value of the apartment for the next renter. The worst-case scenario is that the landlord says no.

8. See What Amenities are Important
While everyone would want to have every amenity that is offered, those usually come with a higher price tag. You need to decide what is a want versus what is a need. For example, it may be important to have an in-unit washer and dryer because the cost of gas, the laundromat, etc., may be more than what having an in-unit appliance will entail. The less amenities typically mean the apartment is more affordable, so you just need to see what is truly important.

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Published July 17, 2020 by with 60 comments

How to move during pandemic

Already trying to find an apartment can be a difficult task. However, that difficulty is amplified when you throw in a global pandemic into the equation. Unfortunately, you still need to figure out moving just with this giant obstacle in the way. However, all hope is not lost. In fact, you can still find an apartment that you love that still works for your financial situation. It will just take a different approach opposed to traditional apartment hunting. Here are some tips that you can follow that can make this process so much safer!

1. Research is Key Before You Begin the Search
Before the pandemic, when you could go explore an area to see if it would be a good place to move, that may not be a viable option anymore. That is why you need to research potential areas you plan to move to more in-depth than if you would’ve gone to explore at first. When looking at areas to move in you want to first look up the crime rate. This will give you an idea of how your safety will be in your new home. Another important aspect that you want to look into is the average median income of the area. This will be an indicator of how the town looks from roads, to buildings, etc. There is a lot of information that you should learn about a town before you look for apartments in the area. You can also use online tools like Neighborhood Scout that can give you an in-depth look at what the numbers say about a particular town from demographics, to crime rate, to commute information, and more. Other online tools like Yelp will give you an idea of what restaurants and businesses are in the area. Once you have an idea of what an area will contain, you can take a virtual tour with Google Maps to see the layout “first-hand”.

2. Don’t be Afraid to Ask for Assistance
If you find yourself overwhelmed, there are local resources that you can utilize. Real estate agents and rental agents specifically specialize in the local market of the area they are in. You can go to them with your budget and ask for a good list of properties to start. They will truly be a great asset when figuring out what properties to actually look into.

3. Virtual Tours are Your Friend
Since you want to make sure you are keeping your health a number one priority, you will need to be a little creative when it comes to touring your apartment. Many rental management companies and landlords have made touring options available for potential tenants to view properties. Some have taken a series of pictures, others have 3D tours where you can explore the house on your laptop, others have created Youtube video tours, some offer a zoom tour where you two schedule a time and they bring their camera to show you the unit and answer any questions in real-time, and some do a combination of these options. There are more ways that rental management properties and landlords have overcome the obstacle of social distancing, but these are just some common ways they have.
If you find that the property is not willing to schedule a virtual tour, then this can be a good indicator that this property is shady. Some other indicators that can signal that this property is disreputable are:
- Pricing of the unit doesn’t make sense
- If the listing isn’t properly worded and has a lot of errors whether in spelling or grammar
- If the landlord or person you speak to tries to rush the process
- If they explicitly ask for your personal financial information
- If they ask you to pay in cash and/or wire them money
Scammers have the perfect opportunity to take advantage of people virtually. You want to be sure to be extra vigilant to any potential scams.

4. If Touring in Person Take Safety Precautions
Not every state has the same lockdown precautions and in-person apartment tours may be available depending on where you live. If that is the case, and you feel comfortable going in person you need to make sure you take the right safety precautions. You want to wear a mask and maintain a good amount of physical distance from the person giving you the tour. Also bring hand sanitizer and sanitary wipes so that you can wipe down a surface before touching it. For example, if you want to see how the light switches work then you can wipe down the surface, use hand sanitizer, and/or wear gloves. These precautions will make sure you reduce the likelihood of catching any sickness.

5. Make Sure the Move is Safe
Not only do you need to make sure that everything before moving is done properly, you also need to be aware of the safety precautions during the actual move. If possible, you want to try to do the move on your own. Unfortunately, this may not always be an option so instead you can opt for moving companies. These companies have measures in place to keep both their customers and employees safe during this difficult time. If you need to have movers come into your home, you should pick a company that has good safety protocols. You can contact the company directly or read their FAQ online to see how they are using extra safety measures. Once you hire the company you want to make sure you have your mask on, and you keep physical distance away from the movers during the moving process.

Overall
It may feel daunting to try to find a place to live during a global pandemic. However, you are not alone and with the proper research and preparation you will be able to not only find an apartment you love but also one that fits within your financial means. Take your time, keep your safety as a priority, and you will find a place you can move into regardless of what is going on in the world.

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Published July 17, 2020 by with 1 comment

What to Know When Searching for an Apartment

When you begin apartment hunting you want to make sure that you do everything in your power to find the best place for your budget. Luckily, with proper preparation and research you will be able to find a place that not only works for your finances but works for your personal tastes as well. There are tips and advice that you can follow in order to have a higher chance of getting the results you want.

Tip #1: Before Beginning Your Apartment Search You Need to Understand Your Budget
Most people feel like they somewhat know their budget and that means they are ready to begin apartment hunting. However, that’s not necessarily the case. It is important to actually understand your budget so that you can make better decisions. Regardless of your budget, a good rule of thumb to follow is to keep your housing cost below 30% of your post-tax income. For example, if you make $45,000 a year after taxes are taken out, then your monthly rent should be no more than $1,125. You can also model your budget with numeric guidelines.

You can follow a 50/30/20 rule that can make budgeting and smart financial planning easier. This rule states that 50% of your income goes towards essentials like rent, bills, gas, groceries etc. 30% will go towards other expenses like eating out, shopping, and other habits like salons, etc. 20% will go towards savings. While this is the general ratio you can tweak it to better match your financial situation. If you struggle with figuring out these numbers by yourself, you can use apps like Mint or Dollarbird that help you budget as well.
Once you have the foundation of your budget set, you will need to update it a little more. You need to account for the extra costs of moving. You can save money by going through the moving process yourself or you can get an affordable moving service. You also need to plan for the expenses once you move into your new place. When apartment hunting, be sure to give yourself an expected amount of potential bills you may be facing.

Apartment Hunting Online
As technology continues to advance, there are more online platforms that make apartment hunting easier. There are websites like Apartments, Zillow, and more that all offer great places to start. These websites are typically updated automatically so you will usually see pretty up-to-date data. These also have the option for virtual tours so you can walk through a unit from the comfort of your own home. Regardless of what site you use to search for apartments, you also want to make sure you consistently check these websites. Housing comes and goes quickly so one day you may not find what you are looking for and then the next your dream apartment can be right in front of you. It wouldn’t even hurt to check the websites multiple times a day.

You can also use other platforms for apartment hunting. Facebook and other social medias are a great tool to join group or ask friends about any listings available in your area.
Make Sure to Keep Track of Your Apartment Search
When there are so many listings available it can be easy to lose track of what you’re looking at. That is when spreadsheets can become a huge help. You can keep tabs on listings and mark their price, location, contact information, etc. You can even note any concerns you may have that you can address if you go to the complex for a walkthrough. This will make your searching process so much easier because all of the options are laid out in front of you.

What to Ask When Looking for an Apartment
Now that you have a list of residences that you want to look at, you want to make sure you ask the right questions. Bring along your notes for the complex (such as fees, maintenance policies, and more) in order to be better equipped for the showing. You also should prep a list of questions to ask so that you have a full understanding of where you may move in:
1- What lease terms are available?
2- What are the application requirements like income, credit score, etc.
3- What utilities are included and how are they covered?
4- What storage options are available?
5- What does the laundry situation look like?
6- What appliances are included in the home?
7- What is the pet policy?
8- What is the guest policy
9- What parking look like?
10- Tenant requirements like renters’ insurance?
11- Potential moving challenges? How will that process go?
12- How can you customize your apartment?

If you find an apartment that is truly a gem, you want to apply quickly (after you are sure that this is the place to live). In this case, you want to make sure you have all proper documentation so that you can apply then and there. You should make sure you bring your:
- Wallet and Checkbook. You want to make sure you can pay for the application fee.
- Income Verification. Before you went to the apartment you should know what their income requirements are. In these cases, you can bring the necessary documentation like recent pay stubs, a W-2, bank statements, etc.
- Rental History.
- Social Security Number. You should NOT bring your card, but make sure you have your social security number memorized because they will need that for your application.
- Letters of Recommendation. You can use previous landlords or use professional references.
- Your State Issued I.D. This will verify you are who you claim to be.

What Else You Should Know When Apartment Hunting
One important aspect that you should keep in mind is that you need to allot a day or weekend meant only for apartment hunting. You also want to make sure that you are in control of the situation when you are looking for apartments. Give yourself enough time to be able to take your time. You want to be able to walk away from an apartment if it won’t be the best fit for your situation. You also can’t be afraid to negotiate! There is no harm in asking for some sort of discount like reduced first month rent or waived fees. The worst-case scenario is the landlord declines your offer. 

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