#Planning Finances as an International Student

[the-proeducator-blog]

A Step-by-Step Guide to Applying for Student Loans in the UK as an International Student

Pursuing higher education in the UK is a life-changing decision for many international students. However, financing your education can feel overwhelming. Student loans designed specifically for international students can help make your dreams of studying in the UK a reality. If you're looking for guidance on this topic, check out international student loans uk. This guide will walk you through the process of finding, applying for, and securing loans tailored to your needs.

Why Student Loans Are Crucial for International Students

Studying in the UK comes with several expenses, including tuition fees, accommodation, and living costs. While scholarships and part-time jobs can offer some relief, they are often not enough to cover the full cost. International student loans provide a practical solution, allowing students to focus on academics without constant financial stress.

Step 1: Research Loan Providers

The first step is to identify lenders who specialize in loans for international students. Here are some popular options:

Prodigy Finance: Ideal for postgraduate students with no collateral requirements.

Mpower Financing: Offers loans without a co-signer, focusing on future earning potential.

Future Finance: Provides flexible repayment plans for both undergraduate and postgraduate students.

HSBC International Student Loans: Tailored for students with a local guarantor.

When researching, compare the following aspects:

Interest rates (fixed vs. variable).

Repayment terms.

Loan limits and coverage (tuition, living expenses, etc.).

Eligibility requirements.

Step 2: Check Your Eligibility

Each lender has specific criteria that applicants must meet. Typical requirements include:

Proof of enrollment in a recognized UK university.

A valid offer letter for admission.

Academic records and proof of financial need.

In some cases, a guarantor or co-signer may be required.

Make sure you understand and fulfill all conditions before proceeding to the application stage.

Step 3: Prepare Your Documents

To speed up the application process, gather all necessary documents in advance. Commonly required documents include:

Passport or valid ID.

Offer letter from the university.

Academic transcripts and certifications.

Financial statements or proof of income (for co-signers if required).

Loan application form provided by the lender.

Organizing these documents ensures a smooth and hassle-free process.

Step 4: Apply Online or Through an Agent

Most lenders offer an online application process. Here’s how it typically works:

Visit the lender’s official website and navigate to the student loan section.

Fill out the application form with personal, academic, and financial details.

Upload the required documents.

Submit the application and wait for a response.

Some lenders may also work with agents who can assist in completing your application.

Step 5: Review Loan Offers and Terms

Once your application is approved, you’ll receive the loan offer. It’s crucial to thoroughly review the terms, including:

Loan amount.

Interest rate.

Repayment schedule.

Any hidden fees or charges.

If the terms are unclear, don’t hesitate to reach out to the lender for clarification.

Step 6: Accept the Loan and Plan Your Finances

After accepting the loan, plan your finances wisely. Allocate funds for tuition, accommodation, and living expenses. Many lenders disburse the loan amount directly to the university for tuition, while the remaining balance is transferred to your account for personal expenses.

Step 7: Start Repayment After Graduation

Most international student loans allow you to start repayment only after completing your studies. Use this time to secure a job and plan a repayment strategy. Many lenders offer flexible options, such as income-based repayment plans or loan deferments in case of financial difficulty.

Key Tips for International Students Applying for Loans

Apply Early: Start your loan application process as soon as you secure admission to a UK university.

Compare Multiple Options: Don’t settle for the first lender—compare interest rates and benefits.

Understand Currency Exchange Rates: Since you’ll be dealing with international transactions, be mindful of exchange rate fluctuations.

Focus on Repayment Planning: Keep track of your loan obligations and plan for repayments post-graduation.

Conclusion

Securing a student loan as an international student may seem daunting, but by following these steps, you can make the process seamless and stress-free. With the right financial support, you can focus on achieving academic excellence and building your future.

Ready to take the next step? Explore international student loans uk and find the best loan options today!

[httpino]

hiii everyone! this is my opinion on what college majors each of the konoha 11 + sasuke n the sand siblings have :D + my general college headcanons about them. enjoy!!

p.s. this is a non massacre au so everyone is alive and well

Naruto characters in College

Naruto Uzumaki: Political Science

- he’s obvi into the whole politics thing so it seemed obvious to him to go into polisci

- unfortunate frat brother

- he’s not like the annoying weird ones but he does indulge in a bit of excessive drinking

- even when he’s hokage (think of it as like the president of everything i don’t fucking know) he’ll still do the stupid ass frat greeting if he sees a fellow brother

- barely passing but once he starts studying seriously with sakura, he’s on his grind fr

- he was never stupid, he just has adhd and no idea how to ask for help

- graduates at a decent place n continues on the higher education track (to everyone’s surprise)

Sasuke Uchiha: Business with a concentration in Finance

- he plans on taking over the family business from his older brother since he’s sick and needs to focus on his health

- does not engage in frat business no matter how much naruto begs

- he’s above it all

- he’s less fucked in the head (because his whole family was not senselessly murdered!) so he does like partying n is less antisocial

- non massacre au sasuke is a WHORE idgaf

- will entertain whoever he needs to to get laid

- this is before he starts dating sakura and then he’s like a nun, he does not look in people’s direction at all

- model student, graduates with a ridiculously high gpa

Sakura Haruno: Biology + Chemistry Double Major (pre-med)

- did anyone say overachiever

- she was told she just needed to pick a science if she wanted to do the pre-med track but she said fuck it and chose two

- bordering deranged, the constant homework is getting to her

- very efficient at studying so she’s able to have some semblance of a school-life balance but barely

- she’s spent more nights in the library crying over her homework than she cares to admit

- finds it all easier when she’s with her friends so she, naruto, ino, sasuke, shikamaru, neji, and hinata have a little study circle every night

- model student, legit is the student that her professors tell their students about years after she graduates

- goes on to med school (we love you dr.haruno)

Sai: Art

- obviously

- he’s having a good time here

- once he gets to the point where he’s having to do other art (sculpting for example) he’s losing it a bit

- he’s just a little guy who wants to draw pretty little pictures :(

- the mf who says “ugh i have a drawing due at 11:59” and then promptly gets jumped for having the audacity to complain around sakura

- doesn’t really party, if he does get dragged out, he spends the whole time drawing the scene in front of him

- he has so many drawings of drunk naruto doing stupid shit, he’s compiled it in a little booklet n adds to it

- by the end of college, he has a thick ass book of these drawings (naruto, ino, sakura, and lee being most of the drawings)

- graduates with flying colors (see what i did there) to become ino’s house husband who supports her through med school

Shikamaru Nara: International Relations

- bro did not want to go to college

- literally dragged himself through high school, why would he want to do it all over again but it’s harder???

- anyway he settles on international relations n breezes through it

- his friends wanna strangle him every time he complains about his schoolwork

- sakura’s eye is twitching, tenten is planning his untimely demise, ino is calling him a lazy idiot

- in his defense, he doesn’t really know what’s going on at any given moment

- he does his work on time but that’s only after he has to teach himself everything cause he skips class religiously

- high off his ass the entire four years

- is known around campus, not for his smarts, but because he’s been found sleeping in the oddest places

- there’s an instagram page for sightings of his naps in odd places (that was definitely not started by ino)

- graduates with decent grades and gets a job in the hokage’s office with the power of nepotism and his brain

Choji Akimichi: Culinary Arts

- he’s having a grand time really

- he’s a phenomenal cook and he already knows all the cooking techniques since his dad owns the highest rated restaurant in the country

- literally has never complained about anything a day in his life

- his to go meals are the only thing keeping his friends alive, they all have the diet of a college student which is water, tears, and a side of ramen

- always has excess food left from class so he goes around campus delivering it to the different food banks

- random people know about choji akimichi’s legendary hangover meal

- graduates with flying colors and goes on to take over his father’s restaurant and open one of his own!

Ino Yamanaka: Psychology (pre-med)

- annoying psych major who psychoanalyzes her friends

- drunk off her ass and she’s asking kiba if his attachment to his dogs comes from trying to make up for his terrible relationship with his mother

- is literally always out, no one has no idea how considering all the other psych students are fighting for their lives

- when she meets sai, she’s excited as fuck, she loves a fine ass man with a brain she can pick apart

- a little crazy

- graduates top of her major but it’s a mystery how she did such a thing 

Kiba Inuzuka: Vet science

- picked this because his dog got sick once n he was like bro what the fuck i need to never let this happen again

- actually a really good student contrary to popular belief! (hinata asked him to study with her one time n then it became a routine)

- who said FRAT BOY KIBA!!! (it’s me, i said frat boy kiba)

- chronic day drinker (bro needs to attend a.a meetings)

- gets an internship in the local vet office and he has deep beef with all the cats there

- he thinks they’re evil but the cats just smell dog on him n they do not fuck with it

- graduates at a decent place n goes to vet school (idk how that works, just pretend i do)

Shino Aburame: Entomology

- DUH!!

- bro might as well be a professor, he’s so good with the whole thing

- which is why he becomes a TA by the end of his first year (unheard of btw)

- out of everyone, he’s having the easiest time

- literally goes to class, does his little science classes, studies his little bugs, then comes home to his apartment n thinks about bugs

- he’s attended every seminar about environment so he can pipe up n say that preserving the bugs in each ecosystem could help

- graduates n goes on to get an offer to teach entomology at konoha university

Hinata Hyuga: Communication

- she has no idea what she wants to do

- this was mainly a placeholder till she figured something out

- the required public speaking course nearly took something out of her

- but after all her friends gathered to listen to her speech n cheer her on, she felt so much confidence that she got an amazing grade

- this led to her sticking with comm!

- she picks a focus on media so she ends up working at the tv station (behind the scenes, she’s not a in front of the camera type of girl)

- does great n has study circles with her friends :D

- doesn’t party, doesn’t drink, doesn’t do much of anything but she’ll go out to make sure kiba doesn’t get into a bar fight or something

Neji Hyuga: Physics

- not so sure about this one but idkkk something in my heart says he’s a physics major

- he’s not sure what he wants to do with it but it makes him sound smart when his dad brags to the other parents

- extremely paranoid about missing assignments so he does everything the moment he gets it

- has never been relaxed ever

- time management king

- he got pulled into a study circle and though he’ll NEVER admit it, it’s helped him a lot

- graduates in three years instead of four and goes on to grad school (he’s trying to avoid finding a job)

Rock Lee: Sports science

- DUH!!

- he wants to help injured athletes so why not study how a healthy body is supposed to work while exercising?

- he gets an internship with guy, who’s the athletic trainer of konoha university n he’s everyone’s favorite

- had learned not to complain about his workload around tenten (she broke down and started bawling over her homework and he freaked out)

- graduates with a good gpa and then gets a job with the athletic trainers office

Tenten: Business with a concentration in Entrepreneurship + Engineering Double Major

- this determined ass mf

- she’s been dreaming of creating a weapon that will allow for easy usage while also being tailored to the needs of the user

- so she decides on the business major part to create a business out of it and engineering so she can figure out how to do it herself

- she’s fighting for her life the entire four years of college

- turns down so many parties and invites because her homework is literally a stack the size of her

Kankuro: Political Science + Art History Double Major

- he wanted badly to do art history alone

- but he decides that maybe he does want to be employed in the future

- so he picks up political science as a side thing

- he cheats off gaara so he doesn’t have to focus too much on the polisci portion of his degree

- exchange student (obvi) n he’s indulging in konoha culture

- which is just getting black out drunk on a wednesday evening!

- finishes out college as a decent student, not exceptional but also he’s not terrible

Gaara: Political Science

- literally decides he’s gonna become the kazekage and picks up polisci immediately

- like his siblings he’s an exchange student

- literally doesn’t do any “stereotypical” college things

- doesn’t drink a drop of alcohol, doesn’t dabble in drugs, his most wild weekend is him indulging in TWO red bulls instead of one

- which is why no one is surprised when he graduates top of his class n immediately gets a job in the kazekage’s office where he works his way up

Temari: Meteorology

- just walk with me here

- exchange student from suna

- always found interest in weather patterns considering she lived in a place with such predictable patterns

- like day after day it was all sun, no rain until one random day, there was an absolute downpour before everything went back to normal

- she absolutely went WILDDDD she needed to know what had happened to cause such a thing

- she has no interest in smiling in front of the camera n giving the forecast, she wants to just study what the fuck goes on with the weather

- has a decent workload but she really doesn’t mind it, it gives her an excuse to avoid ino’s constant invites to go out

- one time, she went out n got hammered n slept with shikamaru n then she literally never did that again

- it worked cause she started dating him soon after but still… you can never be too safe

- graduates with a perfect gpa n goes on to become the best meteorologist in the world

[playmiya]

ACADEMIC LIABILITY or ACADEMIC WEAPON?! — one piece in college

sanji is a hospitality major -> very obvious -> eventually wants to go to culinary school and open his own restaurant, but wants to get some work experience in and wouldn't mind working in a hotel for a year or two -> rooms with zoro; they both got randomly assigned based off signup sheets and they've been torturing the housing incharges to change ever since then -> the housing dept is so fed up with them that they're not budging just to spite them -> zoro regularly buys the wrong kinds of ingredients for him and sometimes messes with his schedules so he's late for classes -> did a semester abroad in france and is planning to do one in italy to intern under his favourite chefs -> watches and falls asleep to reruns of the great british bake off or masterchef jr. -> is a pleasure to generally have in class and submits his assignments on time except when there are any sorts of accounting/finance courses he needs to take ... pesters nami to help with those -> probably tied with chopper and robin as the people who're the most genuinely passionate about their major -> hosts sunday study sessions where everyone comes to his dorm and studies while he cooks lunch for them -> makes nami, vivi and robin bentos the days they have long classes and drops them off at their buildings -> will make people on his floor food if they ask for it -> actually not that big of a fan of huge parties but gets dragged along by luffy anyways -> 100% academic weapon

zoro is a kinesiology major -> him and ace are prolific nappers. will nap anywhere: under a tree in the quad, in the library, in classes, etc. -> that is, if zoro actually makes it to his classes in the first place, he's so directionally challenged -> took him months to figure out the campus layout, will still end up 10-15 minutes late cos he took the wrong staircase up -> mainly just spends his time sleeping in the dorm or at the gym -> very intimidating in the gym, loads of people mistake him for a varsity athlete cos he'll casually be bench pressing mad numbers -> will spot your weights and help you out if you ask tho <3 -> sanji gets back at him by playing ridiculously loud music while cooking and giving him the wrong directions -> he still has to admit that for what it's worth he keeps sanji around since he's practically memorised zoro's meal preferences and macros (sanji will sneak in some greens and sugar here and there) -> does not party often but when he does he goes beast mode, drunk zoro blushes like crazyyy -> he's a girlfailure academically though, does not keep track of his assignments, all his coursework leaves his head the minute he leaves the classroom -> gets law or chopper to help him with basic biology parts of his major -> at one point paid chopper to do his assignments but chopper was too nice and did them for free until law found out and started going on about "child labour" or something -> he's BARELY making the passing grade -> 100% academic liability nami is a business major -> IT girl!! on top of everything always -> dorms with robin, is literally living the pinterest girl aesthetic -> super organised, notes are color coded, always running around campus with her cup of coffee -> is the president of the campus's women in finance club -> summer internships, TA-ing, you name it she's doing it -> is debating going down the investment banker route because of the 6 figure salary or starting her own business -> invented office siren core. she walks into a class with pointed kitten heels bayonetta glasses and everyone loses their shit -> at the same time is a party MONSTER -> her tolerance is unlimited . got a matching tattoo with vivi and robin one night -> she ran an alcohol supplying racket in her freshman year for a quick buck but switched to more legitimate moneymaking methods in her sophmore year, she now connects students from her highschool with college mentors -> her profs love herrr she hates being called a nerd but she pre-reads all her syllabus, is ready with good questions but she's not a nerd guys!! -> is the campus cafe's best customer. will stop by at least twice a day for some sugar/coffee shot that keeps her sane -> her and robin have a wine night every week where they watch real housewives, do skincare, and catch up on each other's lives -> robin lowkey worries for her because she's very ambitious but she trusts that vivi keeps nami sane when she's not around

robin is an archaeology and history double major -> why is she even in college (is a question her professors keep asking her) -> she could teach the class! (she's assistant in every department she's taken) -> definitely taking the academia route after college, also because she's genuinely passionate about teaching -> is overqualified to even sit in introductory level courses -> has been published as an undergraduate in multiple prestigious journals for papers that she wrote because she was "just curious" -> is a part of student government -> is also a part of the campus debate union, but is not as proactive as other members (eg. luffy) -> double majoring is a breeze for her. her assignments make her professors question their ability to grade -> singlehandedly carries the class average on her back -> is idolised by underclassmen because she's very sweet and patient -> got invited to join a lot of secret societies and sororities during her freshman year but politely declined -> could honestly be successful in any major since she has a general academic knack -> wants to take a year off after college to gain on-site archaeological experience in egypt -> is the mother of the group; everyone comes to her for advice whenever they're struggling to pick classes or feeling down -> her guilty pleasure is a good matcha latte. has bought a full matcha station to perfect her own lattemaking skills -> nami took her thrifting once and now she spends hours on her weekend in shops -> doesn't like partying so is often the designated sober one along with sanji and law, will occasionally smoke with him depending on how tolerable he is -> 100% an academic weapon

a/n: i'm a big yapper so ima do ace luffy chopper and law in the pt 2 for this ⁽ଘ( ˊᵕˋ )ଓ⁾

[shesthespinstersimmer]

Commencement / Copperdale (2)

After taking her cousin for Fairuz’s advice, Hina decided to study International Finance at Foxbury. What she didn't expect was that she would be selected as a Feng Recipient. This will be good for her; it will give her the opportunity to build a stable career for herself. It will also expose her to like-minded students and hopefully good connections and friends.

Feng Recipients are not just taught about business, they are taught about self-confidence and how they present to the world. That will be very helpful for Hina, who's rather timid, despite the fact she's intensely smart.

The Sanchez house is buzzing with big changes – thanks to Eldora’s readings, she’s not surprised. After a great deal of thought, autumn has decided to major in Thanantology like her friend Carmine; they’ll both be studying the history of spirits and preparation for transitioning. What better way to learn about the spirit that came before us and are still around? All the better to communicate with them. Her parents, Dusty and Teal aren’t phased much; Autumn came into this interest through her Abuela and suspect this is just her way to stay close to her. She’ll miss her baby brother Ed, but she plans to come home on as many breaks as she can.

Speaking of little brothers, Gri is struggling to say goodbye to Huey. Her Dad, Emory tells her they can video chat whenever she wants, but she’s gotta stay focused. Her Mom, Akemi hasn’t said much because Gri’s her right hand; personally, she doesn’t know how she’s going to get along without her herself.

Nevertheless, the Kondos are very, very proud of their daughter.

After remote classes, a lot of overtime shifts at the garage, and too many late night study sessions to name, Khem got his diploma. Not only that, Mr. Fell got him a partial scholarship and a grant for his work in hydraulics. His girl Fetia was right by his side, helping him study and bringing him dinner and snacks when he had to work late.

He’ll be attending Foxbury to learn more about mechanics; he was hoping it would help him get more work, but Mr. Fell told him to widen his vision – with his skills, he could even work in Rocket Science.

Fetia is super proud of her man, but equally as excited for all that university has to offer. She can’t wait to go to the poetry slams, as well as get a job working for the Foxbury Insider. Mr. Fell helped her get the Blum-Broussard Writers Grant - that will be a big stepping stone to becoming a published author one day.

Now that they’ve got high school out the way, they can start working towards building a way better life together than they had apart.

Previous / Next / Beginning

[justforbooks]

Charles Handy

Philosopher and management thinker who coined the phrase ‘portfolio’ career, and believed companies should retain their humanity

For a country that prides itself on its professional and financial services sector, the UK has produced remarkably few world-ranking management and organisational thinkers. At the very top of that pile, however, is Charles Handy, the writer and social philosopher – his preferred designation – who has died aged 92.

As both a thinker and educator, Handy was unusual. Although a professor – he was a founding faculty member of the London Business School (LBS), the UK’s first graduate business school, in the 1960s – he never followed the conventional path, ploughing a narrow furrow and publishing in specialist journals.

What he did was think, about the big human issues of business, society and democracy, turning his thoughts, often anchored in his own experience, into books, articles and talks with characteristically evocative titles such as The Age of Unreason (1989), The Empty Raincoat (1994), The Hungry Spirit (1997) and The Second Curve (2015). They gained him an international audience and global sales of more than 2m.

In his ability to perceive and articulate developments in the world of work before they crystallised, and in his big-picture approach, Handy took after another atypical European academic, Peter Drucker, dubbed the “father of management”, whom Handy admired. Handy was writing about the future of work as early as 1984, foresaw an era of discontinuous change in The Age of Unreason – his breakthrough book – as well as predicting the advent of the gig economy, remote working and the fragmentation of the traditional career. The “portfolio life” was his coinage, which he defined by living it.

In management terms, Handy’s legacy is his steadfast defence of the company as an evolving community of people rather than a machine or set of contracts. This was based on an unshakeable belief in humanity – “humanity will triumph – people need people”, he said in a podcast interview in 2021, at the height of a pandemic lockdown.

To thrive, a company had to make space for human purpose, human balance and human fulfilment. “Doing your best at what you are best at,” was his Aristotelian recipe, adding “for the benefit of others” at the end. This fed into his belief that the organisation of the future needed to be flexible, decentralised and built on trust rather than formal hierarchy and a rule book.

Born in Ireland, in Clane, Co Kildare, the son of Joan (nee Scott) and Brian Handy, a Protestant clergyman, Charles went to Bromsgrove school, Worcestershire, then studied classics at Oriel college, Oxford, from which he absorbed influences that marked his thinking throughout his life.

Just as formative was his first job at an outpost of Shell in Borneo in 1956, only doubly so: first because it was while there that he met Elizabeth Hill, then working at the British High Commission in Singapore, at a party in Kuala Lumpur, and second because, with her trenchant help, it showed him what he did not want to be. They married in 1962.

The epiphany came in 1965, when he found himself back in London, in an anonymous shared office at Shell HQ, greeted by a three-page list of responsibilities on his desk with no name on it. That struck him as not very human. Liz more forcefully gave him to understand that seeing the adventurous expat she had met and married turn into a dull office drudge was not part of their life’s plan.

Instead he relocated to the US – another formative experience – to attend the Sloan executive study programme at Massachusetts Institute of Technology, from which he returned to London in 1967 to set up a UK version of the programme at the LBS.

He endowed it with a humanistic cast far removed from the usual finance and quantitative orientation. “Charles always had a sense of what it is to be human,” his friend and close LBS colleague Lynda Gratton said. “He inspired students, readers and friends to think more deeply, question more profoundly and live a life nearer to being human – with all its complexities and questions.”

Handy left LBS for a four-year stint as warden of St George’s House at Windsor Castle (1977-81), a sort of spiritual thinktank, before, again egged on by Liz, deciding to quit and go freelance as a writer and speaker. They reorganised their life, and, half-joked Handy, rewrote their marriage contract.

Henceforth they would split the year in two, with the work of first one, then the other, taking priority. Liz became his formidable agent as well as resuming her own career as a successful photographer – they subsequently collaborated on several books – and their time would be spent half in their former farm labourer’s cottage in rural Norfolk and half in their London home. They also shared cooking duties for the many visitors who arrived at both places to discuss world events, photography and politics over a generous lunch.

Relishing the new regime, Handy launched into a series of books that conquered an audience stretching far beyond business types. In fact, the latter were sometimes dismayed by what he had to say. He rejected shareholder capitalism, deeming shareholder ownership of companies a fiction and a fraud, and fretted that big corporations had become “prisons of the soul”.

For him, “good organisations are like a small English village. Everyone knows each other and what the other does. There’s no job title, you’re just Charles or Liz, and you help each other out. It’s not owned, people belong to it.” In those circumstances, management becomes a matter of common sense, not the technocratic exercises described in the textbooks he scorned.

If Handy’s writing style was conversational and accessible, his speaking could reach heights worthy of the ancients he had learned from. This was done without bravado, PowerPoint or notes, but with a quiet intensity that made every listener feel as if he was addressing them personally.

It was there that his inner firebrand sometimes surfaced. Few of those present will forget his closing speech, or the spontaneous standing ovation it prompted, at the Global Peter Drucker Forum in Vienna in 2018, when he called for a Lutheran Reformation of management, urging the audience not to wait for a great leader but “to start small fires in the darkness, until they spread and the whole world is alight with a better vision of what we could do with our businesses … If not us, then who? If not now, then when?”

Handy was active almost until the last. His final book, suitably titled The View from Ninety: Reflections on Living a Long, Contented Life, is due for publication in 2025.

Liz died in a car accident in 2018. Handy is survived by his son and daughter, Scott and Kate, four grandchildren and by two sisters, Ruth and Margaret.

🔔 Charles Brian Handy, social philosopher and management thinker, born 25 July 1932; died 13 December 2024

Daily inspiration. Discover more photos at Just for Books…?

[intrepid-fictioneer-7]

Somewhat detailed sypnosis of Fate/school life, the 4-koma spinoff of Fate/stay night following the regular lives of the Homurahara students, specifically the track team trio. A manga that has never been translated into English, and so is largely unknown in the English fandom. This would largely not be a problem, except Fate/strange Fake is set in its continuity, or close enough, which makes its allusions to it and important plot points derived from it incredibly confusing.

Not my work, this sypnosis was exclusively typed up by Comun (@kaibutsushidousha​ here) on Beast Lair:

Ok, I have time now. Here's what the general deal with HimuTen is. Himuro no Tenchi is a yonkoma manga starring the normal girls of the track trio + Mitsuzuri, and the much less normal Sajou Ayaka from Fate/Prototype. As the "Fate/school life" subtitle implies, it's wholly slice-of-life, featuring its cast involved in everyday situations, the many original games they play, and supernatural shenanigans that they don't realize are supernatural thanks to Rin or Ayaka cleaning things up neatly.

Publication started in 2006 covering a story set 9 months before the Grail War, but then during its 2015-2017 run, it covered the Grail War from the perspective of people who didn't know the Grail War happening, and is currently set after the Grail War.

In terms of timeline, the main point of divergence that defines HimuTen is Kotomine's handling of Tokiomi's property. Like in the Fsn timeline, after the 4th Grail War, Kotomine was in charge of Tokiomi's finances until Rin grew up, but he made categorically stupid decisions on what to sell and what to keep, and his disastrous management was the cause of Rin's current money problems. But in HimuTen's timeline, while the outcome of Kotomine's poor management was still the same, what specifically he chose to sell was different. This results in two major consequences that separate HimuTen from Fate/stay night:

1)A lot of Tokiomi's less practically useful artifacts and Mystic Codes were sold to Makidera's father's antique shop, which often results in Makidera and her friends being involved in strange phenomena that Rin needs to take responsibility for.

2) A plot of land directly above Fuyuki's best leyline was sold to Sajou Hiroki, causing him to move with his two daughters to move to Fuyuki in 1994. By 2003-2004, Manaka already moved away from her father's house, and Hiroki himself never appears because he's always out of Fuyuki either meeting up with his mage buddy from Tokyo or dealing with Manaka situations, but Ayaka is a main character in this story, so that obviously has many ramifications.

Also, Ayaka's and Manaka's characters in HimuTen are pretty different from their Prototype counterparts. Fake Ayaka is about as much of a self-hating introvert with no self-esteem as Proto Ayaka, but she didn't get from the real Ayaka of this timeline.

The younger Manaka still had the same propensity to set the world on fire for her Prince Charming, but direct quote: "Her excessive omnipotence caused [REDACTED] to [REDACTED] because it was [REDACTED], thus [REDACTED] went completely off-rails, resulting in the collapse of her most confident plan. Catastrophic shipwreck. She learned that picture books are pictures books are for a reason. The Prince Charming of her dreams wasn't real. Disheartened, she [REDACTED]. [REDACTED]. She turned harmless."

Meanwhile, since Manaka never found her ideal hot man, this Ayaka has none of her Grail War trauma. Instead, she had the experience of witnessing depression turn her highly competent sister into an unproductive failure of a human being, and built an actual self-esteem from training in Fuyuki's best leyline, so she internalized that she needed to be the responsible sister.

And, relevantly to /strange Fake, Ayaka also left Fuyuki in the July-August 2003 period for a student experience in the Clock Tower. Waver naturally got interested in a new student with the same last name as Manaka, so they met and she was a temporary student in his class, where she also got to realize her Formalcraft talents from Proto and was advised to specialize in plants since she was so opposed to sacrificing animals.

The last major thing to talk about is the Grail War arc, although I think this was already discussed in the thread when FsF being a HimuTen sequel first came up. Due to the premise of the manga, we don't see anything of the Grail War actually happen, but from its consequences to the people around the track trio (Kuzuki's disappearance, Mitsuzuri's assault and hospitalization, Zouken's death, the Ryuudou family needing to move to the Semina Apartments after the collapse of the cavern under their temple, Medusa's post-war presence, Shirou's survival and relationship status with Sakura, etc.), it's completely that HimuTen follows Heaven's Feel Good End except for the minor divergences caused by Ayaka's presence. And those are only two:

1) During the weeks of the Grail War, Ayaka was teaming up with Ciel (yes, Ciel was there, but she isn't a character in HimuTen, she's just an incognito figure you find, exclusively during the Grail War chapters, talking to Ayaka in the background, appearing on the corners of pages, group shots, etc. and what is up with her cameos is only revealed in profiles outside of the story proper) to kept outside scavengers from interfering with the Grail War. Mashin's official statement is that together the thwarted 9 out of 10 invaders, and the 10th one that slipped past them would have consequences later in the United States. (This seriously implies that the Fsn timeline had a bigger number of scavengers profiting from the Grail War, which certainly will come up in some spin-off, probably the El-Melloi series)

2) Shinji lost a bet to Ayaka during that week, so he had to wear a magical wig that copied his hair, but slightly off-center, making people think he was wearing a wig all along. This protected his head from Sakura's attack, so in this timeline, Shinji was only injured rather than killed.

I suppose I could also talk about Tsunokuma since he cameoed here and how the reveal that the real Ayaka is currently studying in Romania is an extension of Manaka's and Celenike's relationship in HimuTen, but I'll stick to the Ayaka parts to keep this post as short as it can be.

[klanced]

katie your lawyer au tags have me on my knees I never thought guys in suits doing stuff would seem interesting but wow…wow. your mind

Thank u Anon this AU is incredibly indulgent for me.......... ok time 4 more world-building.

I think @heynhay's original idea of Keith & Lance working together at the same firm is best. For both plot reasons but also for my own morale LOL

So everyone works at a fairly large private firm that splits its practice and has some of its associates doing profit-driven law (i.e. corporate or finance) which subsidizes the public interest/service work that the other associates do.

The firm is like "Altea & Daibazaal LLP" or something. Yes I am implying that the firm was started by Alfor and Zarkon. Yes I am implying that Allura and Lotor are nepo babies.

I know I originally said that Keith and Lance were law school rivals but I've changed my mind... (RIP to the law school rivalry dynamics

Instead I'm making it so that Keith and Lance are the same age but Lance has been practicing longer because he went straight into law school after college. Whereas Keith started working after college and got like a Master's degree in Social Work or something before deciding on law school at 26. (I just think Keith is the kind of person who goes to law school later in life.)

Okay onto the specific Klance dynamics... Keith and Lance are both pushing 30 and are also literally lawyers so they are professional and serious about their work... But there is wiggle room for them to still be rivals :p

Lance and Keith are both junior associates at the firm. Lance has seniority because he's been at the firm longer but he's still a year or so away from formally becoming a senior associate.

Lance really, REALLY wants to make partner and he sees Keith as his biggest threat/rival because Keith is Shiro's little brother, and Shiro recently made partner at the firm, so Lance thinks Keith might be a nepo hire. Also some of the senior associates recently left the firm so now Lance is stuck showing Keith the ropes and he's lowkey super bitter about it.

Basically TLDR Lance starts off Not Liking Keith at all for various real or imagined reasons and begins a work rivalry with him. Keith doesn't actually GAF about making partner because he's only planning on working at the firm for a few years to help pay off his student loans, but Lance doesn't know that. However, Keith is a naturally very competitive person, and he also likes having Lance's attention, so Keith immediately goes all in on the rivalry.

Lance, internally: "This Fucking Guy."

Keith, internally: "I am so good at flirting."

The first few months are rough between them. However both are also incredibly productive in their work.

The romcom part of the AU kicks in once the two of them have to start working together on a huge high stakes civil case and they're both like wow.... *twirls hair* he's so competent.............. <3

Anyway misc. things:

TBH I have no idea what kind of law Keith and Lance might private practice... I'm also really torn on what Shiro, Allura, and Hunk would practice hdjsksdhedf

Pidge is hired on a fellowship for either environmental law or data security/privacy law.

Coran does employment law.

Keith went into law school planning on going into public interest/not-for-profit legal aid and swore he would never, ever do corporate law but then he saw his student loans and was like. Hm. Okay maybe some Biglaw is okay. And that's how he ended up at the firm.

Keith:

[girlactionfigure]

ISRAEL REALTIME - "Connecting the World to Israel in Realtime"

🔻ROCKETS from LEBANON… short range, Margaliot.

🔻ROCKETS from GAZA… short range, Sderot and surrounds.

▪️FUEL AID… the Political-Security Cabinet approved the War Cabinet's recommendation to allow the minimal addition of fuel necessary to prevent a humanitarian collapse (although per our previous report, fuel aid is NOT making it to those in need or the hospitals but is “disappearing”).  Finance Minister Smotrich and Security Minister Ben Gvir objected - voted against.

▪️2 HERO SOLDIERS FALL.. in the fight in Gaza, bringing the toll of the ground offensive to 86.

▪️EGYPT REINFORCES THE BORDER AGAINST GAZANS… Gaza sources: The Egyptians are constructing a third fence on the border with the Gaza Strip to prevent the possibility of Gazans breaking through the fences and entering Sinai territory.

▪️SAMARIA… Tulkarm, heavy IDF bulldozer activity in checking roads for IEDs.  Firefights.  Shechem (Nablus), firefight, arrests, one enemy car caught fire.

▪️THREATS TO LEBANON… The Hezbollah-affiliated Al-Akhbar newspaper notes this morning that the US and France are issuing threats to Hezbollah and Lebanon, according to which the two choices they face are:  Withdrawal of Hezbollah forces (out of South Lebanon) or war.  The Lebanese News Agency states that Israel has sent a "dangerous threat" to Lebanon.

Various reports from enemy media that the US, France, UAE, Saudi Arabia are pushing a plan for Hezbollah to get out of southern Lebanon and UNIFIL and the Lebanese army to be empowered, in exchange for Israel's withdrawal from Sheba'a Farms, Kfarchouba and the village of Ghajar. 

The head of the Upper Galilee Regional Council Zaltz, to Defense Minister Galant: “(this) brings Hezbollah and its host Iran to a sense of success. He and we know that there is no meaning to an international agreement. How do we know if Hezbollah will comply with the agreement - shall we wait for the next 'October 7'?"

▪️HOW HAMAS FOOLED ISRAEL… The Washington Post: This is how Hamas tried to "put Israel to sleep". Hamas refrained from firing at Israel after the "Guardian of the Walls" operation, and presented the impression that it was interested in calm. Hamas officials provided intelligence on the Palestinian Islamic Jihad (a competitor of Hamas in Gaza) to reinforce the impression that the organization was interested in peace and cooperation.

▪️CHABAD OF GAZA?  Chabad Chasidic soldiers, students of the Chabad Yeshiva Chazon Eliyahu in Tel Aviv established the first Chabad house in Beit Hanon in the north of the Gaza Strip.  The Chabad House will operate in a special emergency format, and will spread joy and Judaism to all soldiers during the Hanukkah holiday and after, until the final victory.

[ulisesbarreiro]

Educational talk at the wonderful Esseri school in La Plata

In the area of the city of La Plata, there is a great school, very modern and with very noble values, with which they educate their children, this is the Esseri School, where its directors, and the rest of the school community, are busy preparing their school community to be prepared from all aspects for the complex social and economic world that is coming for the new generations.

Thus, from a financial perspective, an extracurricular talk was organized for students of Esseri High School, where Jose Iadiccico (CEO of ADA Solar) and Ulises Barreiro (CEO of Token Mithrandir), shared in 120 minutes, very interesting topics on financial education and where students were focused on the dangers of gambling, with digital platforms such as online casinos, trading, soccer betting house, etc.. On the other hand, tips were given, and key concepts for these students to develop the concept of “Financial Intelligence”, concepts that every good person should have already internalized inside in the XXI world, in order to live with prosperity and quality of life. Martín Bitelmajer (Chess Master and chess trainer), who has a great international experience as a chess player, gave a talk to the students of the Esseri elementary school.

These educational talks given by ADA Solar and Token Mithrandir are part of the Amon Project, which focuses on touring educational and social communities, and to bring some light on Decentralized Finance. To the future generations that will need it so much. Giving classes on financial education has several significant advantages, which bring great added value to all future citizens who will go out into the world of work when they finish school:

Improves decision-making: Helps students make informed decisions about their money, which can lead to better management of their personal finances.

Promotes responsibility: Promotes responsible saving and consumption habits, teaching students to live within their means.

Debt prevention: By understanding concepts such as interest, credit and savings, students can avoid falling into unnecessary debt.

Preparing for the future: Gives them tools for long-term planning, such as investment and retirement planning.

Critical skills development: Builds math and analytical skills by working with budgeting, investment and cost analysis.

Confidence building: Gives students the confidence to manage their finances and cope with economic situations.

Contribution to society: A financially educated population can contribute to a more stable and sustainable economy for its entire environment, and for the rest of that society's economic environment.

For all these concepts, we congratulate the educational authorities of this school, who opened their doors to allow us to meet their school community, and to transmit our knowledge on this subject. For more information about the educational offer provided by the Esseri school, we leave you their website. https://colegioesseri.com.ar/

Warm greetings Mithrandir Community

[bachelor-degree-finance-2025]

Bachelor Degree in finance Online

Build a Successful Career with a Bachelor Degree in Finance and Accounting

A Bachelor Degree in Finance or a Financial Degree serves as the foundation for a rewarding and lucrative career in the financial world. This degree is designed to equip students with essential knowledge, practical skills, and the expertise needed to excel in diverse sectors, from banking to corporate finance. Aspiring financial professionals find these programs indispensable for building a strong academic and professional base.

** Where Ambitions Take Flights

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What is a Bachelor Degree in Finance?

A Bachelor Degree in Finance focuses on teaching students how to manage, analyze, and optimize financial resources. The curriculum is designed to cover a wide array of critical topics, including:

Corporate Finance: Examining how companies handle their financial operations.

Financial Markets: Understanding the mechanisms of global markets and trading systems.

Risk Management: Learning strategies to identify and mitigate financial risks.

Investment Analysis: Developing the expertise to make well-informed decisions about investments.

Financial Planning: Mastering techniques for personal and corporate financial planning.

Graduates with a Financial Degree are well-prepared for positions in various industries, including real estate, investment banking, financial consultancy, and insurance.

Why Pursue a Bachelor Degree in Finance?

Earning a Bachelor’s Degree in Finance is a valuable investment in your future.

Here are a few convincing reasons why this is a wise decision:

High Demand for Financial Professionals

Financial experts are always in demand across industries, making this degree one of the most stable career paths.

Lucrative Salaries

The financial sector offers some of the highest-paying jobs, with opportunities for rapid advancement.

Versatility in Career Opportunities

Graduates can explore careers in banking, investment management, corporate finance, and even entrepreneurship.

Global Relevance

The skills and knowledge acquired are applicable worldwide, opening doors to international career opportunities.

Top Institutions Offering Bachelor Degrees in Finance and Accounting

1. Wharton School of the University of Pennsylvania

Renowned globally, Wharton offers an outstanding Bachelor Degree in Finance that emphasizes practical applications and cutting-edge financial theories.

Highlights:

Access to internships with global financial giants.

A curriculum tailored to modern financial challenges.

A robust network of successful alumni.

2. Institute of Technology, Massachusetts (MIT Sloan Management School)

MIT Sloan’s program is perfect for those interested in combining finance with technology.

Highlights:

Courses on emerging trends like blockchain and fintech.

Strong focus on research and innovation.

Collaborative learning environment.

3. London School of Economics (LSE)LSE is a leading institution for students seeking a Bachelor Degree in Finance with an international perspective.Highlights:

Strong connections with global financial markets.

Emphasis on quantitative and analytical skills.

A diverse and inclusive student community.

4. University of Chicago Booth School of Business

Highlights:

Interdisciplinary approach combining finance and economics.

Opportunities for hands-on projects.

Renowned faculty with industry experience.

5. University of Cambridge Judge Business School

The Judge Business School focuses on equipping students with a strong ethical foundation in finance.

Highlights:

Exposure to global financial practices.

Networking opportunities with industry leaders.

Comprehensive curriculum covering finance and accounting.

Core Subjects in a Bachelor Degree in Finance

Most programs include the following essential courses to ensure students gain a well-rounded education:

Financial Accounting: Analyzing financial statements and learning reporting techniques.

Econometrics: Utilizing statistical methods for financial data analysis.

Corporate Governance: Exploring ethical and strategic financial decision-making.

Portfolio Management: Learning how to optimize investments for maximum returns.

Derivatives and Fixed Income: Understanding complex financial instruments.

Career Opportunities with a Financial Degree

A Bachelor Degree in Finance unlocks numerous high-paying career paths.

Here are some prominent roles:

Financial Analyst

Utilize data to assist businesses in making well-informed financial choices.

Investment Banker

Assist organizations in raising capital through stock issuance and mergers.

Portfolio Manager

Manage and grow investment portfolios for clients or organizations.

Risk Manager

Develop strategies to minimize financial risks and safeguard assets.

Corporate Finance Advisor

Provide insights on optimizing a company’s financial performance.

[shiva1906]

Canada Work Visa: Your Gateway to a Brighter Future

Canada, known for its high standard of living, robust economy, and diverse culture, is one of the top destinations for skilled professionals worldwide. A Canada Work Visa is your ticket to accessing the many opportunities this country has to offer. Whether you're a professional looking to advance your career, a student seeking work experience, or an entrepreneur planning to expand your business, understanding the work visa process is essential.

What is a Canada Work Visa?

A Canada Work Visa allows foreign nationals to work in Canada for a specific period. It can be obtained through various pathways, such as employer sponsorship or programs like the International Mobility Program (IMP) and Temporary Foreign Worker Program (TFWP). In many cases, obtaining a work visa is also the first step toward permanent residency.

Types of Canada Work Visas

There are different types of work visas available depending on your qualifications and the job you plan to undertake:

Employer-Specific Work Permit: Tied to a specific employer, you can only work for that employer in the designated role.

Open Work Permit: This allows you to work for any employer in Canada, giving you more flexibility in job selection.

Post-Graduation Work Permit (PGWP): Available to international students who graduate from a designated learning institution in Canada, allowing them to gain valuable work experience.

Why Choose Canada for Work?

Thriving Economy: Canada has a growing job market with opportunities in sectors like IT, healthcare, engineering, and finance.

Pathway to Permanent Residency: Many work visa holders can transition to permanent residency through programs like Express Entry or the Provincial Nominee Program (PNP).

High Quality of Life: Canada is known for its world-class healthcare, excellent education system, and safe environment.

Diverse and Inclusive Society: Canada embraces multiculturalism, making it easier for immigrants to feel at home.

How to Apply for a Canada Work Visa

The process of applying for a Canada Work Visa involves several steps:

Determine Eligibility: Ensure you meet the basic requirements, such as having a valid job offer (if required), relevant qualifications, and sufficient financial resources.

Submit Your Application: Prepare your documentation, including your job offer, proof of qualifications, and a valid passport. Applications can be submitted online.

Biometrics and Interview: You may be required to provide biometrics and attend an interview at the Canadian embassy or consulate.

Processing Time: Visa processing times vary depending on your country of residence and the type of visa.

Expert Assistance for Your Canada Work Visa

Navigating the complex immigration system can be challenging, especially for first-time applicants. That's where our professional consultants come in. We offer tailored assistance to ensure a smooth and stress-free application process. From eligibility assessment to document preparation and visa application, our team is with you every step of the way.

Conclusion

Obtaining a Canada Immigration is an excellent opportunity to advance your career, experience a new culture, and potentially secure permanent residency. With our expert guidance, you can make your Canadian work and immigration dreams a reality. Start your application today and take the first step toward a brighter future in Canada.

[360-college-review]

Australia Study Abroad Consultant in Chandigarh: Your Gateway to Studying Down Under

Are you dreaming of studying abroad? You’re not alone. Most universities in Australia are ranked among the best in the world and the country offers a wide range of study fields, in addition to being ethnically diverse. But the journey can be daunting, or is often described in such terms, at least where job search is concerned. That is when an Australia study abroad consultant in Chandigarh comes in handy. They help you from the time you select a course right to the time you get your visa. This is what you should expect when engaging the consultant and how they will help to make your process of studying in Australia easier.

Why Choose Australia for Study?

There is more to Australia than meets the eye of wildlife and sandy beaches as many people would want to believe. Here’s why it’s a popular destination for international students:

• Top Universities: The country has eight universities in world top 100 and all programs offered by universities are internationally accredited with different standard fields of study.

• Diverse Study Programs: Australia studies provide an extensive list of study categories including engineering, business, arts, and medicine planned as per the different career paths.

• Post-Study Work Opportunities: Post-Study Work visa is beneficial for internationals students to have a global level exposure to work in foreign countries as a stepping stone to develop their career.

• Multicultural Society:  Australian society is hospitable to students as the large student population is cosmopolitan.

For more specific information on why this country should be the perfect choice for your academic path, please read our Study in Australia guide.

Why an Australia Study Abroad Consultant in Chandigarh Matters?

The process of selecting a university and application process may be rather difficult. This is where a study abroad consultant comes in. Here’s how they can assist you:

• Personalized Guidance: They take time to review your academic achievement as well as your career objectives in order to advise you the most appropriate Australia study programs to undertake.

• University Selection Assistance: having knowledge about the acceptance rates and program information, our consultants guide you to select universities to match your dreams.

• Visa Application Support: The visa process can be little challenging, but with a consultant, you are told all the conditions that you need to meet.

• Exam Preparation Assistance: Do you want help in IELTS or TOEFL? Consultants offer guidance, sources and materials to get you to the scores necessary for the universities of your choice.

• Pre-Departure Orientation: Consultants provides information on cultural adjustment, how to arrange finance and other important matters on studying in Australia.

To obtain information on visa services, please go to the Visa Assistance section of the site.

What to look for When Hiring the Study Consultant?

Choosing the appropriate consultant can be very helpful in determining success in any study. Here’s what to consider:

1. Experience and Success Rate: Always select a consultant that has positive results by working with the students from Chandigarh or pan India who wanted to pursue education from Australia.

2. Certifications and Accreditations: Always check that if they are certified consultants or not by an official body along with their partnership with the Australian universities.

3. Clear Fee Structure: Eschew consultants that make huge promises and have hidden fees while going for those that are upfront.

4.  Post-Landing Services: Moreover some consultants provide additional services such as help with accommodation and airport transfers so that your transition to study in Australia is as seamless as possible.

5. Student Reviews and Feedback: You should read testimonials to determine whether a consultant is reliable and the quality of his services.

Learn more about our services of course on the About Us page.

Why Consultants from Chandigarh are a Good Idea

Working with a local consultant in Chandigarh offers distinct benefits:

• Face-to-Face Meetings: It is easy to get together with the consultant for discussions and updates to get a personalized service.

• Understanding Local Student Needs: Consultants operating in Chandigarh know the general needs and issues that students from the area have.

• Connections with Australian Universities: They sometimes already have contacts with the universities, thus they know how the Australia studies application process is going to be.

The Basic Guidelines on Studying in Australia with Assistance from a Consultant

Follow these steps to ensure a smooth journey to studying in Australia:

1.  Initial Consultation

It is better to talk about the subject area, and the overall plan, as well as financial resources which are available in order to understand which options are personal.

2. How to Choose Universities and Programs

The consultant will then offer you a list of programs that they believe will be suitable for you together with the universities that offer them and their relationship with your desired career path.

3. Preparing for Entrance Exams

Get assistance in preparing for other crucial tests, for example IELTS or TOEFL.

4. Filing Applications

The consultant will assist you in filling and submitting your university applications.

5. Visa Application

Get professional assistance on the visa for Australia study to ensure that you do not waste time.

6. Pre-Departure Preparation

Find out how to better prepare for Australian culture, what to pack, and money matters.

For more information on exam coaching services, please click on the IELTS Preparation link.

BASIC PROBLEMS EXPERIENCED BY AUSTRALIAN STUDENTS

There are common issue that learners face when planning to study in Australia. Here’s how consultants help address these issues:

• Confusion Over Course Selection: Compared to other institutions consultants filter options owed to individual career interests hence making the choice easier.

• Visa Requirements: They help to clarify the complex of the Australian student visa.

• Financial Planning: You will get advice on how to manage your finances for tuition fee, accommodation and other living expenses.

• Adapting to a New Culture: Find out how you could avoid some cultural barriers in order to make the transition easier.

Check out the services we offer to help you as a student under the Student Services tab.

FAQs

Q: That brings us to this question: how much do study abroad consultants charge?

Each consultant sets his or her rates, though some consultants provide free consultations.

Q: How is the process of getting student visa for Australia?

It is normally to take between 6-12 months depending on the special demands of the universities.

Q: Can a consultant promise that the applicant will get into the universities of Australia?

There are no sure things to getting into a school of your choice, but consultants can go a long way in helping you get in since they will make sure that you prepare and submit the best application.

Q: Can I take a gap year or semester off during the year that I applied for admission if so how?

Of course, many universities have a deferred admission policy that enables students to defer their admission. But this depends with the particular institution policy.

Conclusion

An Australia study abroad consultant in Chandigarh can help you make your dream of studying in Australia come true. This is from university selection right down to visa acquisition, their assistance makes it so doable. Do not hesitate – make your first step to your new life in Australia right now by contacting your expert from Chandigarh.

For more information about studying abroad and the services we offer please visit 360 College Review’s Study Abroad Programs.

Business Details:

360 College Review Pvt. Ltd. SCO 358-359, level 4, adjoining Orbit Hotel, Sector 34A, Sector 34, Chandigarh, 160022 info@360collegereview.com 09115772360

Business Website:

Business Location:

[fandomtrumpshate]

FTH 2023 specialist expertise offerings

Does your Blorbo have a special skill, like engineering or IT work, that you don't know much about? Are they an expert in linguistics, English poetry, or underwater dolphin skiing? Well, we can't help with that last one, but our participants offering their specialist expertise assistance can help you realistically portray and understand all those other topics, and more!

Here are the areas of specialist expertise slated to be available through this year's auction:

Academic libraries & administration

Arthurian legends

Baking/pastry as a profession

Barista work

Berlin when the wall was up

Biology

Book industry

Business Admin and Finances

Butchering

Contemporary and Romanticism poetry

Early Modern English

Elizabethan England

Endocrinology

English

English poetry

Entomology

Espionage

Event planning & logistics

Expatriot lifestyle

Farm living & farm animals

Game Hunting/Pest Control

General engineering

Genetics

Higher-education academic experience

Horses

Hunting

Immunology

Independent bookstores/book selling

Infectious disease ecology

Instructor teaching essay writing

International travel

IT Worker

kink community

Laboratory research experience

Laborer

Language learning

Library (Information Services, youth/teen programming)

Library work (cataloging)

linguistics

Medical accuracy

Medical terminology

Microbiology

Military brat (moving, deployments, conservative nationalism)

Music

Language

Nuclear policy during the cold war

Psychology

Publishing

Shakespeare

Theater (particularly the technical side)

Traveling (by car or train, group or solo)

TTRPG

University life

US Academia

US Medical culture for both med students and doctors

US military culture

US Sports culture

US sports rules

Virology

World War I

Writing children's literature

Look at all these great options! If any of them caught your eye, please make sure to check out the full offering on our 2023 auction blog. It will go live at the beginning of the bidding period, on February 26th. We hope to see you there!

[athenaholmesartistsguild]

I'm actually posting art again!!!

Here's my Page of Pentacles tarot card that I've been working on for the past few days. I really like how it turned out!!!!

I wasn't all that in love with the border that I had for my other tarot cards. I thought it was a little boring and didn't really go with the ~Yakuza aesthetic~ so I tried something a little different and I think it came out really cool!

So let's talk tarot meanings! All of this will be under the cut since it's a little long

The Page of Pentacles (or yen in this case) typically represents having luck in the material world whether that be with your finances, a new business opportunity, or just all-around being able to live comfortably and be provided for.

The Page has the energy and drive to do all of the hard parts of being successful; after all, achieving any major goal isn't going to be fun all the time. There are times where you're doing something that's tedious, or difficult, even just new and kinda scary. The Page of Pentacles is a reminder that you have the willpower within you to prevail as long as you stick to your plan and go forth with confidence and focus.

Overall, the Page of Pentacles is a card of new beginnings. If you're wondering whether or not now is the time to start that project or make that big decision, this card suggests that now is the time to do it! Make those plans and implement them!

Reversed, the Page of Pentacles appears to lose their sharp focus. Perhaps they haven't put a detailed enough plan in place to achieve their goals, or maybe they've lost sight of the reason they're even working towards their goals in the first place. Now might be the time to take a step back and reevaluate what you want and why. Maybe you've been working too hard and a break would help sharpen your focus?

Unlike other cards in the tarot which indicate outside forces are to blame for your setbacks, the Page of Pentacles reversed suggests that there's something internal-- something within yourself-- that's making it difficult to achieve your goals. Looking at the other cards in your reading may be beneficial in figuring out what, specifically is making progress difficult.

I chose Kiryu in Yakuza 0 because the Page as a tarot card represents someone who's young and is still in the process of learning their suit's gifts. Pages are students and as such, they're still at the very beginning of their journey. While they're full of excitement and drive to succeed, their actions may be clumsy or poorly thought through; they might not necessarily have the wisdom of the older cards in the suit.

I thought this fit Kiryu really well because he just sort of falls into running a real estate business and has to be taught by the people around him to make it successful. He's not very refined due to his personality and also his inexperience, but he still pursues it with that trademark Kiryu zeal.

I chose to depict the moment when he's defeating the different billionaires because that's really when he's embodying being 'wealthy'. There's so much money in the air that he can snatch a huge handful from the sky and fan himself with it. It's such a campish example of opulence.

But I think Kiryu in Yakuza 0 can also embody the reversed aspects of the Page of Pentacles as well. He's sort of bouncing around. He starts as yakuza, decides to be a civilian, then he bounces back to being yakuza. It seems like he doesn't really know what direction he wants to take or what opportunities are really available to him and because of that, his obscene wealth doesn't last.

[careermantradotorg]

Top MBA Specializations to Boost Your Success

In today’s fast-paced, competitive world, obtaining a Master of Business Administration (MBA) is often seen as a gateway to professional growth and leadership roles. However, choosing the right MBA specialization is crucial in shaping the trajectory of your career. With an array of MBA specializations available, selecting the one that aligns with your interests and professional goals can significantly enhance your career prospects. This blog explores the Top MBA Specializations to help you make an informed decision and ensure long-term success.

Why MBA Specializations Matter

An MBA degree offers you a solid foundation in business management, but the specialization allows you to dive deep into a specific domain, equipping you with the expertise needed to excel in that field. Your choice of MBA specializations can determine the industry you enter, the roles you assume, and the salary you command. Hence, understanding the options available is critical to ensuring your professional success.

Top MBA Specializations to Consider

MBA in Finance Arguably one of the most popular MBA specializations, an MBA in Finance prepares students for leadership roles in banking, investment management, financial planning, and corporate finance. Graduates are equipped with the skills to manage financial resources, analyze market trends, and make data-driven financial decisions. High demand in sectors like investment banking, asset management, and insurance makes this specialization a strong choice for those looking to climb the corporate ladder.

MBA in Marketing If you're passionate about creativity, consumer behavior, and brand management, an MBA in Marketing might be the perfect fit. This specialization focuses on product management, digital marketing strategies, sales management, and consumer insights. Marketing MBAs are highly sought after in industries such as retail, e-commerce, advertising, and media. With the rise of digital marketing, graduates are often positioned to lead marketing campaigns that leverage data analytics, SEO, and social media strategies.

MBA in Human Resource Management (HRM) Businesses rely on human capital to thrive, and MBA specializations in Human Resource Management focus on equipping professionals with the skills to manage and develop this essential resource. Graduates with an MBA in HRM are trained in employee relations, talent management, recruitment strategies, and leadership development. This specialization is ideal for individuals who enjoy working with people and are interested in organizational development and change management.

MBA in Operations Management For those with an interest in logistics, supply chain management, and process optimization, an MBA in Operations Management is a top choice. This specialization emphasizes the efficient management of business operations, including product manufacturing, service delivery, and resource allocation. With the rise of globalization and technological advancements, professionals in this field are in high demand across sectors like manufacturing, e-commerce, and logistics.

MBA in Information Technology (IT) As technology continues to drive business innovations, an MBA specialization in Information Technology prepares students for leadership roles in tech-driven environments. This specialization integrates management principles with technical expertise, covering topics like IT strategy, project management, and systems analysis. Graduates can pursue roles such as IT managers, Chief Information Officers (CIO), and project consultants in industries ranging from software development to IT services.

MBA in International Business In a globalized economy, businesses are increasingly operating across borders, making an MBA in International Business highly relevant. This specialization focuses on global trade practices, international marketing, and cross-cultural management. Graduates are equipped to handle the complexities of managing international teams, navigating foreign markets, and developing global strategies. It's an excellent option for those aspiring to work with multinational corporations or in the export-import sector.

MBA in Entrepreneurship If you're driven by innovation and want to start your own business or lead startups, an MBA in Entrepreneurship could be your gateway to success. This specialization covers topics like venture capital, business plan development, and startup financing. With the growing startup ecosystem worldwide, this MBA specialization enables graduates to turn business ideas into viable ventures or take leadership roles in fast-growing companies.

MBA in Healthcare Management With the healthcare industry expanding rapidly, an MBA in Healthcare Management is becoming an increasingly popular specialization. This program equips students with the skills to manage healthcare facilities, lead healthcare teams, and navigate healthcare policies and regulations. Graduates are sought after for roles in hospitals, pharmaceutical companies, and healthcare consultancy firms.

How to Choose the Right MBA Specialization

Choosing the right MBA specialization depends on your career goals, personal interests, and the industry trends you want to tap into. Ask yourself the following questions:

What are my strengths and areas of interest?

Which industries are growing, and where is there a high demand for skilled professionals?

What are the long-term career prospects of each MBA specialization?

By answering these questions, you can align your MBA specialization with your career aspirations and boost your chances of success.

Conclusion

Selecting the right MBA specialization is a pivotal decision that can shape your future career path. Whether you aim to lead in finance, marketing, operations, or any other industry, a well-chosen MBA specialization will equip you with the knowledge, skills, and network to excel in your professional journey. Explore these top MBA specializations, assess your goals, and take the first step toward a successful career!

[gatekeeper-watchman]

Cutting Payroll Taxes

President Trump has announced that he is going to pursue a stimulus to our economy in order to cope with its present decline resulting from the Corona Virus and the oil war between Russia and Saudi Arabia. As part of his stimulus, he proposes a cut in payroll taxes—an extremely shortsighted and unwise decision, to say the least. Just listening to this recalls to my mind the words of the great French economist, Frederic Bastiat (1801-1850) in his discussion of “That Which is Seen, and That Which is Not Seen”:

“In the department of economy, an act, a habit, an institution, a law, gives birth not only to an effect, but to a series of effects. Of these effects, the first only is immediate: it manifests itself simultaneously with its cause — it is seen. The others unfold in succession — they are not seen: it is well for us, if they are foreseen. Between a good and a bad economist this constitutes the whole difference — the one takes account of the visible effect; the other takes account both of the effects which are seen, and also of those which it is necessary to foresee. Now this difference is enormous, for it almost always happens that when the immediate consequence is favorable, the ultimate consequences are fatal, and the converse. Hence it follows that the bad economist pursues a small present good, which will be followed by a great evil to come, while the true economist pursues a great good to come, — at the risk of a small present evil.”

Reducing payroll taxes to stimulate the economy is easy. It is popular and readily acceptable to those on the receiving end; but, from whence does the money come to pay our Social Security and Medicare? Does it come out of the air? I don’t think so, and I suspect neither do you. How about when the time comes to reinstate these tax cuts? How popular and readily acceptable will that be then? How much harder will it be for our Representatives and Senators in the Congress to sell to the people?

Let us pursue this a little further. It is common knowledge that present payments into the fund are insufficient, and tax collections must be increased in order for the fund to remain solvent. How acceptable will that be? Now, when you add this increase to the reinstatement above, how much more difficult will that be to achieve? Are we just going to let our Social Security fund go broke?

But we are not only talking about Social Security. Also included in those payroll deductions are payments for Medicare. Although not frequently discussed, it too is common knowledge, i.e. everybody knows it or should, that Medicare is insufficiently funded. In fact, it is a major contributor to our annual government deficit and, therefore, national debt.

If our long range intent is to keep and improve these benefits for the good of our people, it would seem to me that cutting these payroll deductions to stimulate an already over-stimulated economy (One should note that the preponderance of spending by our country and our people is supported by borrowing, i.e. national debt, credit cards, mortgages, student loans, auto financing, payday loans at 100% interest plus, etc.) is, to say the least, very unwise and short-sighted.

On the other hand, if our plan is to eliminate Social Security and Medicare, this is the way to go. It’s a sure winner.

Hmm… This brings to mind the sayings of Forrest Gump. “You never know what you’re going to get when you open a box of chocolates” I think he also said, “Stupid is as stupid does”.

Also, I am compelled to quote the famous words of William Shakespeare in his play Julius Caesar, when Caesar is warned by the soothsayer to “beware the Ides of March”.

Respectfully,

From: Steven P. Miller, @ParkermillerQ, gatekeeperwatchman.org Founder and Administrator of Gatekeeper-Watchman International Group Wednesday, August 7, 2024, Jacksonville, Florida., Duval County, USA.  X … @ParkermillerQ Facebook: https://www.facebook.com/groups/Sparkermiller.JAX.FL.USA, Instagram: steven_parker_miller_1956 #GWIG, #GWIN, #GWINGO.