#Study Finance in New Zealand

[edumirchi]

Study Forestry in New Zealand

New Zealand, a land known for its pristine landscapes and vast forest resources, offers an exceptional opportunity for aspiring forestry professionals to embark on an enriching academic journey. With its sustainable forestry practices, commitment to conservation, and advanced research in the field, New Zealand stands out as an ideal destination for those passionate about studying and contributing to the forestry industry. In this article, we delve into the reasons why study forestry in New Zealand can be a transformative experience for students worldwide.

Abundant Forest Resources: New Zealand boasts diverse forest ecosystems, including native forests, commercial plantations, and conservation areas. With vast areas of forests covering its picturesque landscapes, students studying forestry in New Zealand gain unparalleled exposure to a variety of forestry environments and species. This abundance provides a unique learning opportunity to understand the intricacies of forest management, biodiversity conservation, and sustainable harvesting practices.

World-Class Educational Institutions: New Zealand is home to renowned universities and institutes that offer exceptional forestry programs. Institutions like the University of Canterbury, the University of Otago, and Lincoln University provide comprehensive courses in forestry, equipping students with the knowledge and skills necessary for a successful career in the field. These institutions foster a conducive learning environment, encouraging hands-on experiences and practical application of theoretical concepts through fieldwork and research projects.

Sustainable Forestry Practices: Study in New Zealand takes great pride in its commitment to sustainable forestry practices. Students studying forestry in New Zealand have the opportunity to witness and participate in sustainable forest management techniques, such as selective logging, reforestation efforts, and the protection of indigenous tree species. This emphasis on sustainability aligns with the global movement towards responsible and environmentally friendly forestry practices.

Research and Innovation: New Zealand's forestry sector is driven by innovation and research. Students have the privilege of working alongside leading researchers and industry professionals who are actively involved in advancing forestry practices. The country's research institutions conduct groundbreaking studies in areas like forest ecology, carbon sequestration, and forest economics, fostering an environment that encourages cutting-edge research and innovation.

Field-Based Learning: One of the unique advantages of studying forestry in New Zealand is the opportunity for immersive field-based learning experiences. Students can explore diverse forest ecosystems, visit operational forestry sites, and engage with industry experts during study tours and internships. These practical experiences provide invaluable insights into the real-world challenges and solutions within the forestry industry.

Networking and Industry Connections: New Zealand's forestry industry is well-connected, offering students ample opportunities to network with professionals, industry organizations, and government bodies. Through internships, guest lectures, and industry events, students can build connections that may pave the way for future career prospects or research collaborations.

Conclusion: Study forestry in New Zealand offers a unique and enriching experience for students passionate about sustainable resource management, environmental conservation, and the complexities of forest ecosystems. With its abundant forest resources, world-class educational institutions, commitment to sustainable practices, and opportunities for research and field-based learning, New Zealand stands as a prime destination for those aspiring to contribute to the forestry industry. By choosing New Zealand as their academic pathway, students can gain the knowledge, skills, and experiences necessary to make a positive impact on the world of forestry and environmental stewardship.

[tuvanduhoctiimedu]

Chứng minh tài chính du học New Zealand: Điều kiện và thủ tục

Du học New Zealand đang ngày càng trở thành một lựa chọn phổ biến đối với các sinh viên quốc tế, đặc biệt là sinh viên Việt Nam. Với hệ thống giáo dục chất lượng cao, môi trường sống an toàn và thiên nhiên tươi đẹp, New Zealand là điểm đến lý tưởng để học tập và phát triển bản thân. Tuy nhiên, để có thể du học tại New Zealand, việc chứng minh tài chính là một trong những yêu cầu bắt buộc mà bạn cần chuẩn bị kỹ lưỡng. Bài viết dưới đây sẽ cung cấp cho bạn những thông tin cần thiết về chứng minh tài chính du học New Zealand, bao gồm điều kiện, thủ tục và những bí quyết để quá trình này diễn ra suôn sẻ.

1. Tại sao phải chứng minh tài chính khi du học New Zealand?

Chứng minh tài chính là một phần quan trọng trong quá trình xin visa du học New Zealand. Đây là yêu cầu mà chính phủ New Zealand đặt ra để đảm bảo rằng du học sinh có đủ khả năng tài chính để trang trải học phí và sinh hoạt trong suốt thời gian học tập tại quốc gia này. Điều này không chỉ nhằm bảo vệ quyền lợi cho du học sinh mà còn đảm bảo họ không phải chịu gánh nặng tài chính trong quá trình học tập.

Chứng minh tài chính không chỉ đơn giản là việc cung cấp số tiền có trong tài khoản ngân hàng mà còn phải chứng minh được nguồn gốc của số tiền đó, đảm bảo tính hợp pháp và minh bạch. Việc này sẽ giúp cho cơ quan cấp visa yên tâm rằng bạn có đủ điều kiện để sống và học tập tại New Zealand mà không gặp khó khăn về tài chính.

2. Yêu cầu chứng minh tài chính du học New Zealand

Để được cấp visa du học New Zealand, bạn cần phải chứng minh rằng bạn có đủ tài chính để trang trải các chi phí trong suốt thời gian học tập tại đây. Cụ thể, bạn cần đáp ứng các yêu cầu sau:

a. Học phí

Tùy vào khóa học và trường bạn chọn, mức học phí du học tại New Zealand dao động khá lớn. Trung bình, học phí tại các trường đại học và cơ sở giáo dục New Zealand như sau:

Chương trình cử nhân: từ 22,000 đến 32,000 NZD/năm (khoảng 320 triệu - 500 triệu VNĐ).

Chương trình thạc sĩ: từ 26,000 đến 37,000 NZD/năm (khoảng 380 triệu - 550 triệu VNĐ).

Bạn cần chứng minh rằng bạn có khả năng chi trả toàn bộ hoặc ít nhất là một phần lớn học phí của khóa học.

b. Chi phí sinh hoạt

Ngoài học phí, bạn cũng cần chứng minh khả năng tài chính để trang trải các chi phí sinh hoạt trong suốt thời gian học tập. Theo quy định của chính phủ New Zealand, du học sinh cần có tối thiểu 15,000 NZD/năm (khoảng 230 triệu VNĐ) để trang trải chi phí sinh hoạt. Nếu chương trình học của bạn kéo dài dưới một năm, bạn cần có 1,250 NZD/tháng để chi trả cho sinh hoạt phí.

Chi phí sinh hoạt bao gồm:

Tiền thuê nhà, điện nước

Ăn uống

Chi phí di chuyển

Bảo hiểm y tế

Các chi phí cá nhân khác

Tìm hiểu thêm về đất nước quê hương chim tại: New Zealand là nước nào?

c. Vé máy bay khứ hồi

Một trong những yêu cầu quan trọng là bạn phải có đủ tài chính để mua vé máy bay khứ hồi về nước sau khi kết thúc khóa học. Nếu bạn không mua vé ngay từ đầu, bạn cần chứng minh rằng bạn có đủ tài chính để mua vé trong tương lai.

3. Các loại tài sản và nguồn tài chính có thể chứng minh

Việc chứng minh tài chính du học New Zealand không chỉ giới hạn trong việc cung cấp sổ tiết kiệm. Bạn có thể sử dụng nhiều loại tài sản và nguồn thu nhập khác để chứng minh khả năng tài chính của mình, bao gồm:

a. Sổ tiết kiệm

Sổ tiết kiệm là phương pháp phổ biến nhất để chứng minh tài chính. Bạn cần có sổ tiết kiệm mở ít nhất 3 tháng trước thời điểm xin visa với số tiền tối thiểu đáp ứng yêu cầu tài chính của New Zealand. Sổ tiết kiệm này có thể đứng tên bạn hoặc người bảo lãnh (cha mẹ, người thân).

b. Thu nhập hàng tháng

Nếu gia đình bạn có nguồn thu nhập ổn định, bạn có thể sử dụng các giấy tờ chứng minh thu nhập như hợp đồng lao động, bảng lương, giấy xác nhận kinh doanh, hay báo cáo thuế để chứng minh khả năng tài chính.

c. Tài sản bất động sản

Ngoài sổ tiết kiệm và thu nhập, tài sản bất động sản (nhà đất) cũng là một yếu tố quan trọng để chứng minh tài chính. Bạn có thể nộp giấy chứng nhận quyền sử dụng đất, hợp đồng mua bán nhà hoặc các tài liệu liên quan khác để tăng tính thuyết phục.

d. Học bổng

Nếu bạn nhận được học bổng từ trường hoặc các tổ chức tài trợ, bạn có thể sử dụng học bổng này để chứng minh khả năng tài chính. Tuy nhiên, học bổng cần phải đủ lớn để trang trải học phí và chi phí sinh hoạt trong suốt thời gian học tập.

4. Quy trình chứng minh tài chính

Quá trình chứng minh tài chính du học New Zealand bao gồm các bước sau:

Bước 1: Chuẩn bị hồ sơ tài chính

Bạn cần chuẩn bị các tài liệu liên quan đến tài chính như sổ tiết kiệm, giấy tờ chứng minh thu nhập, tài sản bất động sản, và các tài liệu khác. Đảm bảo rằng các giấy tờ này hợp lệ và có nguồn gốc rõ ràng.

Bước 2: Nộp hồ sơ chứng minh tài chính

Hồ sơ tài chính của bạn sẽ được nộp cùng với đơn xin visa du học. Bạn có thể nộp hồ sơ online hoặc trực tiếp tại đại sứ quán New Zealand tại Việt Nam.

Bước 3: Chờ duyệt hồ sơ

Sau khi nộp hồ sơ, bạn sẽ phải chờ đợi kết quả từ cơ quan cấp visa. Thời gian duyệt visa thường kéo dài từ 4 đến 6 tuần, tùy thuộc vào thời điểm và tình hình xử lý hồ sơ.

Bước 4: Nhận visa

Nếu hồ sơ tài chính của bạn được chấp nhận, bạn sẽ nhận được visa du học và có thể bắt đầu chuẩn bị cho hành trình du học của mình.

5. Bí quyết chứng minh tài chính du học New Zealand thành công

Chứng minh tài chính có thể là một thử thách lớn đối với nhiều gia đình, nhưng nếu chuẩn bị kỹ lưỡng và nắm rõ quy trình, bạn sẽ dễ dàng vượt qua bước này. Dưới đây là một số bí quyết giúp bạn chứng minh tài chính thành công:

Lập kế hoạch tài chính sớm: Hãy bắt đầu chuẩn bị tài chính ít nhất 6 tháng trước khi nộp đơn xin visa. Điều này giúp bạn có đủ thời gian để tích lũy tài sản và đảm bảo sổ tiết kiệm có thời gian gửi lâu.

Đảm bảo tính minh bạch: Các giấy tờ tài chính cần có nguồn gốc rõ ràng và hợp pháp. Tránh việc sử dụng các giấy tờ giả mạo hoặc không minh bạch.

Tận dụng học bổng: Hãy tìm kiếm các cơ hội học bổng để giảm bớt áp lực tài chính. Học bổng không chỉ giúp bạn tiết kiệm chi phí mà còn tăng tính thuyết phục khi chứng minh tài chính.

Chứng minh tài chính là một bước quan trọng trong quá trình xin visa du học New Zealand. Để thành công, bạn cần chuẩn bị kỹ lưỡng các giấy tờ tài chính và đảm bảo tính minh bạch của nguồn tài sản. Nếu bạn thực hiện đúng quy trình và đáp ứng đủ yêu cầu, việc chứng minh tài chính sẽ không còn là trở ngại trên con đường du học của bạn.

[spacetimewithstuartgary]

New SpaceTime out Friday

SpaceTime 20241220 Series 27 Episode 153

The possible strange origins of some Martian minerals

A new study has found that some minerals seen on Mars today may have formed in liquid carbon dioxide rather than liquid water.

Arnhem Space Centre scrapped

It was meant to herald in a bright new era for the Northern Territory but on going problems with some of the traditional owners has forced Equatorial Launch Australia to shut down the Arnhem Space Centre near Nhulunbuy and relocate to Queensland.

Discovery of the heaviest antimatter particle ever detected

Scientists have found evidence for what appears to be the most massive antimatter particle ever detected.

The Science Report

A high exposure to pesticides may come with an increased risk of some cancers.

Australian and New Zealand species are among the most vulnerable to extinction due to climate change.

Around 1 in 5 people under the age of 50 now have genital herpes.

Skeptics guide to Tucker Carlson’s encounter with a Demon.

SpaceTime covers the latest news in astronomy & space sciences.

The show is available every Monday, Wednesday and Friday through Apple Podcasts (itunes), Stitcher, Google Podcast, Pocketcasts, SoundCloud, Bitez.com, YouTube, your favourite podcast download provider, and from www.spacetimewithstuartgary.com

SpaceTime is also broadcast through the National Science Foundation on Science Zone Radio and on both i-heart Radio and Tune-In Radio.

SpaceTime daily news blog: http://spacetimewithstuartgary.tumblr.com/

SpaceTime facebook: www.facebook.com/spacetimewithstuartgary

SpaceTime Instagram @spacetimewithstuartgary

SpaceTime twitter feed @stuartgary

SpaceTime YouTube: @SpaceTimewithStuartGary

SpaceTime -- A brief history

SpaceTime is Australia’s most popular and respected astronomy and space science news program – averaging over two million downloads every year. We’re also number five in the United States.  The show reports on the latest stories and discoveries making news in astronomy, space flight, and science.  SpaceTime features weekly interviews with leading Australian scientists about their research.  The show began life in 1995 as ���StarStuff’ on the Australian Broadcasting Corporation’s (ABC) NewsRadio network.  Award winning investigative reporter Stuart Gary created the program during more than fifteen years as NewsRadio’s evening anchor and Science Editor.  Gary’s always loved science. He studied astronomy at university and was invited to undertake a PHD in astrophysics, but instead focused on his career in journalism and radio broadcasting. Gary’s radio career stretches back some 34 years including 26 at the ABC. He worked as an announcer and music DJ in commercial radio, before becoming a journalist and eventually joining ABC News and Current Affairs. He was part of the team that set up ABC NewsRadio and became one of its first on air presenters. When asked to put his science background to use, Gary developed StarStuff which he wrote, produced and hosted, consistently achieving 9 per cent of the national Australian radio audience based on the ABC’s Nielsen ratings survey figures for the five major Australian metro markets: Sydney, Melbourne, Brisbane, Adelaide, and Perth.  The StarStuff podcast was published on line by ABC Science -- achieving over 1.3 million downloads annually.  However, after some 20 years, the show finally wrapped up in December 2015 following ABC funding cuts, and a redirection of available finances to increase sports and horse racing coverage.  Rather than continue with the ABC, Gary resigned so that he could keep the show going independently.  StarStuff was rebranded as “SpaceTime”, with the first episode being broadcast in February 2016.  Over the years, SpaceTime has grown, more than doubling its former ABC audience numbers and expanding to include new segments such as the Science Report -- which provides a wrap of general science news, weekly skeptical science features, special reports looking at the latest computer and technology news, and Skywatch – which provides a monthly guide to the night skies. The show is published three times weekly (every Monday, Wednesday and Friday) and available from the United States National Science Foundation on Science Zone Radio, and through both i-heart Radio and Tune-In Radio.

[randombookposts]

Canaan University Au

Ok I thought of a college au for the locked tomb a awhile ago but I never bothered to write it down until now. Anyways I think they would all go to this imaginary university in New Zealand and it’s like the first book but with a lot less murder. Here’s what I think each house would study

Judith- Criminal justice major. Huge stickler for rules and doing homework. If she’s not in the gym reading a textbook while doing push-ups, she’s in the library getting into a heated debate with a Corona. Had a huge crush on Marta and went to the same college as her to hangout, just getting over it, may or may not have feelings for Corona, maybe.

Marta- In law school, was a mentor to Judith when she was in high school and that’s how they know each other. Gently turned Judith down but they’re still friends and study together sometime. Is the DD at every party.

Corona: Majoring in marketing with a minor in fashion merchandising. Doesn’t do great on tests but aces every presentation. President of her sorority. Can and will gaslight frat boys. Everyone wants her but she only has eyes for the stuck up criminal justice major.

Ianthe- Management major with a minor in maybe finance. Commits tax fraud and gets away with it. Sometimes does Corona’s homework for her. Doxxes people online (mostly Babs), smokes in the dorm hallways. Flirts with Harrow during their study sessions, which Harrow ignores.

Naberius- Economics major, and major fuck boy. Makes thirst traps and is doxxed. Hangs out with the twins even though they bully him. Doesn’t do shit during group projects. Will get a job at his dads company post graduation.

Jeannemary and Isaac don’t go to college but are tutored by Abigail at her house. They just silly teens who experiment with makeup and clothes to find their look. Talk loudly about anime in the school hallways. A little cringe but they’re doing their best.

Abigail- Anthropology professor and is really cool. Tough grader but genuinely loves her students and shares trivia with them. Brings donuts to test days. Will accidentally derail class to talk about books or her husband. If one of her students brings up one of the incredibly niche topics she likes, she will talk about it for hours.

Magnus- Not a teacher but visits Abigail's classes often. Nice guy, helps look after Jeannemary and Isaac. I'm not sure what he would do as a job, maybe chef or stay at home husband lol. Regardless, he's the one making all the meals.

Palamedes- Pre-med, wants to become a doctor so he can save Dulcinea save people. Smartest guy in the room always, a go to for anyone struggling with their biology homework. Has a friendly rivalry with Harrow (it's more rivalry than friendly for Harrow but she grows fond of him over time). Is the one derailing class with philosophical debates.

Camilla- Physics major, too cool for you. Really into sports, just not sure which, like gymnastics or soccer or rugby or fencing. Works hard but actually remembers to eat and sleep too. Probably in student government as well. Her and Palamedes are attached at the hip, they later get an apartment together and that's where all the main hangouts with the other characters happen.

Dulcinea- Suffers from chronic illness and focuses her life on learning and traveling rather than getting a traditional job. She's got multiple degrees in stuff like literature, philosophy, and art history. She is active on social media and has a blog, and sells crocheted animals on Etsy. Became mutuals with Pal and Camilla on social media and they met up later when they went off to college.

Protesilaus- Dulcie's caretaker, helps her with her medical stuff. Becomes like a cool uncle figure to her and her friends. Hangs out a lot with Ortus and they share poetry.

Silas- Double major in theology and philosophy. Freaky teen prodigy who graduated high school early and attends university. Little shit who people are either freaked out by or straight up just don't like him. Will snitch on anyone for anything he doesn't like. Really only friends with Colum.

Colum- Silas' nephew, but way older than him, weird dynamic. Not in school but drives Silas to his classes and Silas lives with him during the school year instead of in the dorms. Nice guy, looks out for Silas' well being the best he can but tries to keep him from being too nasty to others.

Harrow- Double major in theology and archeology. Studies at all hours and forgets to eat and sleep. Local cryptid. Autistic with special interests in religion and burial rituals. Went to Catholic school and had a suffocating home life. Trying to grapple with that as she starts to navigate adult life. Also trying to mend her relationship with Gideon after being so harsh in her younger years.

Gideon- Kinesiology major, butch vibes to the max. Does swordfighting and weight training in her down time. Has kissed both Ianthe and Corona at some point, though it never went anywhere after that. Wears her sunglasses at all times even in class. Finds the worst fashions from thrift stores and wears them to piss Harrow off. Grew up with Harrow in a foster home Harrow's parents ran and also attended Catholic school with her but they rarely interacted beyond antagonizing each other. Reconnected after being randomly assigned roommates. Now they're buddies and hang out alongside the 3rd and 6th, (also the 2nd and Dulcie sometimes too). They all do stupid shit together like sing karoke off key and hit up Taco Bell at 2am after binge watching movies.

[wehangout]

the lovliest of friends tagged me in this weeks tag game, thanks pals! @deedala @heymacy @jrooc @mybrainismelted @energievie

Name: Jen

Age: 38

Location: New Zealand

And now...

What is your DJ name? I don't have one, but I want one. How does one acquire a DJ name?

If you were a genre of music, what would it be? Whatever Sleep Token is, and not because I love them, but because they slip into a little bit of everything from soft melodies to heavy shit and that kinda fits my current state of mind

What would you title your biography? Seriously?

What are the first three things you'd do if you were invisible? Probably the same thing I do most days - get the kids ready for school, grab a coffee, study.

What subject do you wish was taught in every school?  Same thing Deanna said - personal finance basics, which, I've recently learned, they teach at the high school my kid will be at next year!

When was the last time you tried something for the first time and what was it? I recently tried not leaving my assignments to the last minute. 10/10 would recommend

What is the most underrated city you have ever visited? Dunno. The one I live in?

What day in your life would you like to relive? Hmm, probably one from when I took my girls on holiday to Australia last year

If you could eliminate one thing from your daily routine, what would it be and why? Currently, winter. In general, housework.

How long would you last in a zombie apocalypse?  Not long, and I've made my peace with that.

What would be the most surprising scientific discovery imaginable? That this is the bad place.

If you could have any view out your office window, what would you choose? A sprawling park or beautiful beach.

tagging @mickeym4ndy @samantitheos @deathclassic @loftec

@hubrisandwax @jademickian @grumblesandmumbles @vintagelacerosette

@blue-disco-lights @francesrose3

[unwelcome-ozian]

Do you know about any Mk ultra programs run in Australia or New Zealand?

Here are a few:

University of Adelaide in South Australia-In order to further the scientific and academic study of psi phenomena. This division of the university’s Department of Psychology, named the Anomalistic Psychology Research Unit (APRU) -Aboriginal Australians were subject to medical experiments on how they experienced pain and where body measurements and blood samples were forcibly taken.

Australian National University in Canberra, ACT-Where Leonard G.H. Huxley served as Vice-Chancellor (1960-1967). 

University of Western Australia-CIA's Human Ecology Fund gave a research grant to Professor Ronald Taft. 

Callan Park (Australia)-Cerebral Surgery and Research Unit at Callan Park Psychiatric Hospital. After his (Dr. Harry Richard Bailey) appointment, the Sydney Sunday tabloid declared in September 1957, “Human guinea pigs in test: A Sydney mental specialist and 15 other volunteers deliberately sent themselves temporarily insane in recent mental research tests.” Bailey was the man behind this experiment at Callan Park. He went on in the article to promote LSD as a hopeful method of treating “mental cases” and said that these experiments would hopefully trace the section of the brain which is affected by schizophrenia. In 1959, Bailey became the Medical Superintendent of Callan Park.

Chelmsford Private Hospital-Became Australia’s worst psychiatric disaster where over 1,400 patients were subjected to hypnotic drugs, ECT and DST in a mostly experimental fashion  without  informed  consent. The  entire  Chelmsford  medical  team were previously involved  in  a  eugenics  program  of forced  adoption  at  Sydney’s  Crown Street Hospital for Women where babies were taken from ‘unfit’ mothers and given to mothers deemed more appropriate.  A massive 64% of unwed mothers had their babies stolen at Crown Street Hospital. Harry Bailey used hypnotic drugs to make the reluctant birth mothers comply. He directly  ordered  the abortion  of  twin  foetuses  without  the  consent  of a  woman  who  was under the influence of hypnotic drugs.

Concord Military Hospital (Australia)-Leonas Petrauskas.

Crown Street Hospital for Women in Sydney- It was here that they were involved in a eugenics program of forced adoption from ‘unfit’ mothers, to ones who were deemed more appropriate. Bailey had helped to introduce methods of using hypnotic drugs to make them comply. He directly ordered the abortion of twin foetuses without a woman's consent while she was under the influence of these drugs. 64% of unwed mothers had their babies taken at Crown Street.

Engadine Medical Centre (Australia)-Leonas Petrauskas.

Cerebral Surgery and Research Unit at Callan Park Psychiatric Hospital in Sydney-September 1957, the Sydney Sunday tabloid published an article about a Callan Park experiment, headlined: ‘Human Guinea Pigs in Test: A Sydney mental health specialist and 15 other volunteers deliberately sent themselves temporarily insane in recent mental research tests.’

Milson Island in the Hawkesbury River north of Sydney-Became a MK- ULTRA  research facility.

University of Sydney, AUS-MK-ULTRA psychiatrist Martin Theodore Orne, performed an experiment titled ‘Antisocial Behaviour and Hypnosis’.

University of Sydney Psychology-Faculty  head, Alfred  Gordon  Hammer,  approved Subproject  84. Gordon  Hammer  (then  APS  Chair). Professor Martin Orne. In 1960, Professor Orne's work took him to the University of Sydney.

IIE-Financed Fulbright scholarships into Australia and the Institute was founded by Elihu Root (a founder of the Council on Foreign Relations, co-founder of the Carnegie Endowment and a member of the Pilgrim’s Society) and Stephen P. Duggan who was also a member of the CFR and known as the “apostle of internationalism”. USEFA was based at Huxley’s Australian National University during the main years of imported CIA operations.

Cherry Farm Hospital In The South Island Of New Zealand-Between 1973 and 1978 - a version of Deep Sleep Therapy was used in several wards.  used electro convulsive therapy or ECT as standard practice. Dunedin prison - who we were told would also undergo deep sleep or narcosis therapy in an especially locked-down unit of the villa. Cherry Farm was the hospital to use deep sleep therapy most; many patients were not given optimal treatment; the specific application of modified narcosis was inappropriate and applied to a large number of patients up to 1978.

Lake Alice Psychiatric Hospital (New Zealand)-Children in the 1970s were tortured with electroshock, including to their genitals, and given injections of paraldehyde, a central nervous depressant as punishment. child and adolescent unit were routinely punished with unmodified ECT (ECT without anaesthesia).

National Women’s Hospital in Auckland, NZ-Herbert Green.

Oz

[pygmy--tyrant]

15 questions/15 people

@greenybeanyyy tagged me!! thank you <33

Are you named after anyone? not really, although I think part of the inspiration for my name was that my mum's engagement ring has a sapphire on it (my parents got engaged around the time I was born)

When was the last time you cried? not sure, although I know I was properly bawling a few weeks ago (said with cool and fun tone of voice so as not to bring the mood down)

Do you have kids? no lol

What’s the first thing you recognize about people? hmm I think it really depends on the person. I think the sound of their voice is a big one though

What’s your eye color? blue

Scary movies or happy ending? depends! with longer form stories I usually prefer a happy ending since I get more emotionally involved, but in things like movies or theatre I love darker stories and some of my favourites are tragedies (I also love horror when its done well!)

Any special talent? not exactly 'special' but I'm good at painting! I also have a really good memory if I care enough about something

Where were you born? don't want to fully doxx myself so I'll just say aotearoa/new zealand

What are your hobbies? like I said I love painting and drawing! I also love reading/writing and theatre

Do you have any pets? a dog and a cat :)

What sports do you play/have you played? nothing lol I've never liked or been good at sports. I did do swimming lessons back in primary school but it wasn't competitive or anything

How tall are you? 5"2

Favorite subject at school? atm classics, art history, and design & illustration! usually I'd say english too but this year I've been moved to a less advanced class because of a clash and while i don't want to sound too conceited or anything I DO really wish i could've taken the higher class. also I'm kinda just naming every subject

Dream job? it's kinda risky finance-wise but I would really love to pursue an academic career studying mythology, especially greek or celtic. I'm very passionate about it

I definitely do not know enough people on here to tag 15 but I'll tag @puffedfish @ezifos @highdefimission @monstersanonymous if you guys want to do this! no pressure or course

[bluestoneocs123]

Australia vs. New Zealand: Finding Your Perfect Study Abroad Spot

Introduction

Deciding to study abroad is an exciting and life-changing journey. The question often arises: Australia or New Zealand: Which is the Better Study Abroad Destination? This decision can greatly impact your education experience, job opportunities, and cultural exposure. At Bluestone Overseas Consultants, we understand the importance of choosing the right country where you can achieve your academic dreams. Let’s explore the key factors in this decision-making process.

Education System Overview

2.1 Australia’s Education System

Variety of Courses: Australia offers a wide range of programs and courses, accommodating various interests.

Strong Research Focus: Many Australian universities prioritize research, giving students opportunities to participate in groundbreaking projects.

Supportive Environment: Australian institutions provide various support services for international students, such as academic advising and counselling.

2.2 New Zealand’s Education System

High Qualitative Standards: New Zealand universities are known for their strong teaching and research frameworks.

Focus on Practical Learning: Many courses emphasize practical experience, making education relevant to the job market.

Cultural Diversity: New Zealand's education attracts international students, fostering a rich multicultural environment.

Cost of Living and Tuition Fees

3.1 Financial Considerations in Australia

Tuition Fees: On average, tuition fees for international students range from AUD 20,000 to AUD 45,000 per year, depending on the course and university.

Cost of Living: Major cities like Sydney and Melbourne can be expensive, with monthly living costs averaging AUD 1,200 to AUD 2,500.

3.2 Financial Considerations in New Zealand

Tuition Fees: Annual fees for international students typically range from NZD 22,000 to NZD 35,000.

Cost of Living: Cities like Auckland and Wellington have a relatively moderate cost of living, averaging around NZD 1,000 to NZD 1,800 per month.

How Bluestone Overseas Consultants Can Help

At Bluestone Overseas Consultants, we understand that choosing between studying in Australia or New Zealand can be challenging. Our experienced consultants can help you:

Assess Your Options: We will guide you in evaluating universities, courses, and living arrangements.

Application Support: From paperwork to visa applications, we’ll assist you every step of the way.

Pre-departure Guidance: We offer tips on settling in, managing finances, and adjusting to local culture.

Conclusion

As you weigh the options of Australia or New Zealand: Which is the Better Study Abroad Destination? consider the educational quality, cost, lifestyle, and cultural experiences each country offers. Whether you choose Australia for its vibrant cities or New Zealand for its stunning landscapes, you have the opportunity to create unforgettable memories and broaden your horizons. At Bluestone Overseas Consultants, we are here to help you achieve your dreams of studying abroad. Engage with us today to explore your study options and take the first step toward your exciting journey!

Reach us our expert counsellors:

Mobile: +91 9342899904

Website: www.bluestoneocs.com

[aptechvisaglobalimmigration]

New Zealand Spouse Visa Requirements

For those interested in relocating to New Zealand to join their partner, New Zealand offers an immigration facility known as the New Zealand Spouse Visa which will enable you to live, work and study in New Zealand with your partner as your permanent residency. It is aimed at those who are in a genuine stable relationship, and if your partner is a citizen of New Zealand or a resident of the country. This article provides tips on the requisites, how to apply and some important things to consider regarding the subject in discussion.

What Is the New Zealand Spouse Visa?

The Partner of a New Zealander Resident Visa enables individuals to obtain residency based on their relationship with a New Zealand citizen or resident. The visa is perfect for couples who meet the residency and relationship criteria and wish to build a life together in New Zealand.

Key Features of This Visa:

• Length of Stay: Indefinite.

• Cost: Starts at NZD $5360.

• Processing Time: 80% of applications are processed within seven months.

• Privileges:

§  Live, work, and study in New Zealand.

§  Include dependent children aged 24 or under in your application.

Eligibility Requirements

1. Identity Documents

•                 One acceptable photo for online applications or two for paper-based submissions.

•                 A passport or certificate of identity.

•                 A full birth certificate (original or certified copy).

2. Health and Character

·        Health: A chest x-ray is all clear, and a medical checkup is to ensure that the candidate is in good health.

·        Character: For those people, who will be staying in New Zealand for more than 24 months and are 17 years old and over, police certificates are necessary.

3. Your Partner’s Immigration Status

 It will pay the price of a New Zealand passport or birth certificate.

·        Certificate of New Zealand citizenship.

·        Residence visa (if applicable).

·        For partners with Australian citizenship or residence, evidence of their living in New Zealand is mandatory.

 4. Relationship Proof

You and your partner must demonstrate that you have been living together in a genuine and stable relationship for at least 12 months. Evidence includes:

•       Shared finances, bills, and tenancy agreements.

•       Photos, social media interactions, and communications.

•       Statements from family and friends validating your relationship.  

5. Dependent Children

•       Children must be single, aged 24 or under, and reliant on an adult for financial support.

•       Provide proof of your relationship with the children, such as birth certificates or adoption documents.

Your Partner’s Obligations

It is equally important that your partner provides support to your application. They must meet the following criteria:

1. Good Character: This means police certificates are needed in any state where your partner has spent 12+ months in the past 10 years.

2. Residency in New Zealand: If they have been granted residency based on Australian citizenship or residency they will need to show proof that they live in New Zealand, this can be through the production of bills, tenancy agreements or employment records.

3. Support Form: Your partner must provide the completed form Partnership Support Form for Residence (INZ 1178).

How to Apply

1. Prepare Documentation

After documents; photocopy and other necessary identity proofs; health and character certificates and any other proofs of your relationship.

2. Submit the Application

Applications can be submitted either:

•       Online: Unfortunately, despite the convenience of being able to upload scanned copies of documents

•       Paper-Based: Send the original or certified copies to Immigration New Zealand.

3. Pay the Fee

The initial amount for the application fee is NZD $5360, but it changes depending on the country of application.

4. Processing Time

Typically, most applications are decided within seven months, and sometimes more time is needed if documents submitted are missing or else some further investigation is necessary.

Key Conditions Once Your Visa Is Approved  

•       Entry Permission: Fill in the New Zealand Traveller Declaration (NZTD) on arrival if you are arriving from a country with a risk of GMO presence.

•       Travel Conditions: You can come in and out of New Zealand without any restriction for two years. Thereafter, it is necessary to apply for a Permanent Resident Visa to renew travel conditions, and so on.

•       Validity of Passport: Make sure that your visa is always tied to a valid passport.

Getting Your Application Ready: Useful Tips  

1. Be Thorough: Make sure your evidence includes every type of contact you have had with your partner – romantic, financial, and social.

2. Document Everything: Maintain any account where you both deposit money as well as shared chores and special occasions in your relationship.

3. Seek Expert Help: Governing policies when it comes to immigration are quite liberal and not very easy to understand. It should always be an Individual who seeks the services of an experienced immigration consultant.

 Why hire professional help?

The information about visas and strict compliance with its regulations might be extremely confusing. Expert consultants, such as Aptech Visa, offer end-to-end assistance in:

·        Preparing documentation.

·        Ensuring compliance with immigration laws.

·        Representing your case effectively.

Having practised their profession for several years, they ensure visa application is easy and not problematic.

Conclusion

The New Zealand Spouse Visa is a critical window to create couples future in New Zealand because applying all the following steps of course; you are assured of coming up with a good application; ensuring that one is eligible for the grant, making sure you submit all the documents needed and when in doubt, seek for help. If well planned it can be easy and helps you kick start a new chapter in New Zealand!

For more information you can refer to https://www.aptechvisa.com/new-zealand-spouse-visa   you can also contact our New Zealand Immigration Consultants at 7503832132, you can also write to info@aptechvisa.com

For more information please visit our testimonials https://www.aptechvisa.com/testimonial

[iegcnz]

Unlock Your Business Potential with Studies in New Zealand

Elevate your career with comprehensive business studies in New Zealand, where academic excellence meets innovative learning. New Zealand's institutions offer cutting-edge courses that integrate practical skills with deep theoretical insights, ideal for aspiring business leaders. Whether you're aiming to master entrepreneurship, management, or finance, business studies in New Zealand provide a robust foundation that fosters both personal and professional growth. Experience a unique educational environment that propels students towards success in the global business arena.

[luxe-care]

Why New Zealand is best?

Looking for top-rated education in a secure, beautiful environment? New Zealand might be the place for you! Studying in New Zealand is one of the most promising decisions ever! It has a modern, responsive education system, incorporating traditional teaching principles with innovation and technology, and cutting-edge research facilities, leading to globally recognized and respected qualifications. All of its universities adhere to global standards, regularly tested and monitored by the government to ensure a consistently high level of education wherever you choose to study. The QS World University Rankings 2022 has rated all eight universities in New Zealand in the global top 450. Moreover, it has diverse student cities that welcome international students worldwide. 

A Quick Guidebook to Your Favorite Study Destination – New Zealand!

With a top-notch educational system, New Zealand is a terrific choice for overseas students. Wherever you decide to study, a consistently high standard of education is guaranteed by the governments frequent testing and oversight of all of its universities, which follow international standards. It features a modern, adaptable educational system that combines conventional teaching concepts with innovation and technology to produce degrees that are accepted and recognized throughout the world. Since New Zealand is a signatory to the Lisbon Recognition Convention, all 50 signatory nations will honor its diplomas, certificates, and degrees.

Studying Opportunities in New Zealand.

It might be quite expensive to study in New Zealand, but if you prepare well in advance, you can apply for a variety of scholarships provided by Kiwi institutions and colleges. These are available to deserving international students to assist them in financing their studies. Depending on the requirements, course, and institution, these can be partially or entirely compensated.

The New Zealand government, as well as several private and public organizations, also give a large number of scholarships and bursaries. Check the requirements and the deadline for applications very carefully before submitting an application for any of these scholarships

Working part-time is a terrific way to not only assist pay for your living expenses while you’re in New Zealand, but it may also help you get experience in the sector you’re studying.

The majority of student visas permit you to work up to 20 hours a week while enrolled in classes. You must fulfill specific conditions in order to work while you are studying, such as:

Your course is for at least two years

Your study leads to a New Zealand qualification that gains points under the Skilled Migrant Category

You are enrolled in an English language program that satisfies Immigration New Zealand’s requirements.

If the employment is required for their degree, some students may be able to work more than 20 hours per week.

Educational Costs for Bangladeshi Students in New Zealand.

While studying in New Zealand is comparatively affordable, there are various expenses you must consider before moving to the country.

With so many courses in New Zealand for international students to choose from, picking the right course is always a tough decision. Considering that every student, course, and the university is different, it’s an important decision to get right. 

Study program – Average annual fee

Undergraduate program – $20,500 – $25,000 annually

Master’s degree – $19,000 – $29,000 annually

Doctoral degree – $6,500 – $9,000 annually

MBA – $31,000 – $50, 000 annually

As per QS World University Rankings 2022, all eight universities in New Zealand are ranked in the global top 450. That’s impressive for a country of just under five million people! 

New Zealand Educational Requirements for Bangladeshi Students.

To apply for a visa to New Zealand, you will generally need:

Your passport, which must be valid for at least three months after your period of stay in New Zealand

A letter of acceptance from a New Zealand education provider, states the minimum course duration, total tuition fee, and whether the tuition fee is in domestic and foreign currency. The course must be approved by the New Zealand Qualifications Authority

An offer of place from an educational institution approved by the New Zealand Qualifications Authority

A written guarantee from an institution or person that suitable accommodation is available to you in New Zealand (if you’re under 18 years)

A return air ticket to your country, or evidence of sufficient funds to buy one

Some additional documentation may include:

Academic preparation documents such as transcripts, diplomas, degrees, or certificates

Current application form – student visa application form

Visa application fee

Tuition fee receipt showing payment to date

Passport-sized photographs

You may also have to show evidence that you have sufficient funds to cover your living expenses throughout your stay. You will need to show you have NZ$ 15,000 for a full year of study or NZ$1,250 per month*. This may include:

A scholarship program

Bank statements

Financial undertaking by a sponsor to cover accommodation and living costs

Evidence that you are leaving New Zealand after the completion of your course. This can be in the form of flight tickets, however, it is optional

A police certificate if you are aged 17 years or over and plan to study for more than 24 months. A police certificate is a document that is used as evidence of good character

An X-ray certificate – you will need to have a chest x-ray if you are staying in New Zealand for more than six months, or if you’re a citizen of a country with a relatively high incidence of tuberculosis, or if you’ve spent more than three months in the last five years in a country with a relatively high incidence of tuberculosis

Full medical examination

You may also have to appear for a personal interview at the New Zealand embassy or consulate.

Conclusion:

For its international students, New Zealand provides a highly welcoming environment. Compared to other western countries, the number of pupils per classroom is frequently lower, allowing for more individualized attention. You may encounter a variety of instructional strategies and settings because teaching methodologies are continually evolving. Anyone looking for adventure has a ton of options in New Zealand, which has some of the most breathtaking scenery on earth. When you have leisure time, you can study throughout the week and go bungee jumping, skiing, hiking, rafting, or explore the local culture.

Visit our Banani office at any moment for a free consultation if you want to thoroughly examine your alternatives for studying in New Zealand. Talk to us.

[spacetimewithstuartgary]

New SpaceTime out Friday

SpaceTime 20240913 Series 27 Episode 111

Evidence of Unexpected Population of Kuiper Belt Objects

A new study has detected an unexpected population of very distant bodies in the Kuiper Belt, an outer region of the solar system populated by ancient remnants of planetary building blocks lying beyond the orbit of Neptune.

The Martian polar caps are not created equally

A new study has confirmed that the Martian polar ice caps are evolving very differently from each other.

Artemis III service module on its way to NASA

The European Space Agency’s Artemis III service module destined for use on the historic mission that will return humans to the lunar surface in 2026 is about to commence its journey to the Kennedy Space Center.

The Science Report

Bird flu now spreading on Antarctica’s South Georgia island and the Falkland Islands.

Finding New Zealand’s original native animals.

Australian HIV levels continue to drop.

SpaceTime covers the latest news in astronomy & space sciences.

The show is available every Monday, Wednesday and Friday through Apple Podcasts (itunes), Stitcher, Google Podcast, Pocketcasts, SoundCloud, Bitez.com, YouTube, your favourite podcast download provider, and from www.spacetimewithstuartgary.com

SpaceTime is also broadcast through the National Science Foundation on Science Zone Radio and on both i-heart Radio and Tune-In Radio.

SpaceTime daily news blog: http://spacetimewithstuartgary.tumblr.com/

SpaceTime facebook: www.facebook.com/spacetimewithstuartgary

SpaceTime Instagram @spacetimewithstuartgary

SpaceTime twitter feed @stuartgary

SpaceTime YouTube: @SpaceTimewithStuartGary

SpaceTime -- A brief history

SpaceTime is Australia’s most popular and respected astronomy and space science news program – averaging over two million downloads every year. We’re also number five in the United States.  The show reports on the latest stories and discoveries making news in astronomy, space flight, and science.  SpaceTime features weekly interviews with leading Australian scientists about their research.  The show began life in 1995 as ‘StarStuff’ on the Australian Broadcasting Corporation’s (ABC) NewsRadio network.  Award winning investigative reporter Stuart Gary created the program during more than fifteen years as NewsRadio’s evening anchor and Science Editor.  Gary’s always loved science. He studied astronomy at university and was invited to undertake a PHD in astrophysics, but instead focused on his career in journalism and radio broadcasting. Gary’s radio career stretches back some 34 years including 26 at the ABC. He worked as an announcer and music DJ in commercial radio, before becoming a journalist and eventually joining ABC News and Current Affairs. He was part of the team that set up ABC NewsRadio and became one of its first on air presenters. When asked to put his science background to use, Gary developed StarStuff which he wrote, produced and hosted, consistently achieving 9 per cent of the national Australian radio audience based on the ABC’s Nielsen ratings survey figures for the five major Australian metro markets: Sydney, Melbourne, Brisbane, Adelaide, and Perth.  The StarStuff podcast was published on line by ABC Science -- achieving over 1.3 million downloads annually.  However, after some 20 years, the show finally wrapped up in December 2015 following ABC funding cuts, and a redirection of available finances to increase sports and horse racing coverage.  Rather than continue with the ABC, Gary resigned so that he could keep the show going independently.  StarStuff was rebranded as “SpaceTime”, with the first episode being broadcast in February 2016.  Over the years, SpaceTime has grown, more than doubling its former ABC audience numbers and expanding to include new segments such as the Science Report -- which provides a wrap of general science news, weekly skeptical science features, special reports looking at the latest computer and technology news, and Skywatch – which provides a monthly guide to the night skies. The show is published three times weekly (every Monday, Wednesday and Friday) and available from the United States National Science Foundation on Science Zone Radio, and through both i-heart Radio and Tune-In Radio.

[dwcrypto]

The Environmental Impact of Blockchain Technology: Is Crypto Mining Sustainable?

Blockchain technology, the backbone of cryptocurrencies like Bitcoin and Ethereum, has revolutionized various industries, from finance to supply chain management. However, as blockchain adoption grows, so do concerns about its environmental impact, particularly regarding energy usage in cryptocurrency mining. Let's delve into the sustainability of blockchain technology, its environmental effects, and what the future holds for its ecological footprint.

For those exploring the world of cryptocurrency exchanges and the potential for green blockchain solutions, GCB Exchange provides an innovative platform that aligns with sustainable practices in the crypto space.

1. Understanding Blockchain and Crypto Mining

At its core, blockchain is a decentralized digital ledger that records transactions across a distributed network of computers. Each transaction is grouped into "blocks" and linked to the previous one, creating a secure and transparent chain. Cryptocurrencies like Bitcoin and Ethereum use a mechanism called proof of work (PoW) to validate transactions and secure the network.

Crypto mining is the process by which miners validate transactions and add them to the blockchain. This involves solving complex cryptographic puzzles, which requires significant computational power. The more powerful the rig, the more electricity it consumes.

2. Energy Consumption in Mining

One of the major criticisms of blockchain technology is its high energy consumption. Bitcoin mining, for example, is particularly notorious for its environmental impact. According to some estimates, Bitcoin’s network consumes more electricity annually than entire countries like Argentina or the Netherlands. This is due to the fact that miners use powerful computers, often referred to as mining rigs, to compete to solve mathematical puzzles. The more powerful the rig, the more electricity it consumes.

The energy demand is also intensified by the fact that mining operations are often located in regions with cheap, but carbon-intensive, energy sources like coal, which significantly increases their carbon footprint.

Bitcoin's Energy Consumption: According to the Cambridge Centre for Alternative Finance (CCAF), as of 2024, the Bitcoin network consumes an estimated 120 TWh of electricity annually. This is roughly equal to the total annual energy consumption of countries like the Netherlands or Argentina.

Ethereum’s Shift to Proof of Stake: Ethereum, the second-largest cryptocurrency by market capitalization, initially relied on the PoW consensus mechanism. However, in September 2022, Ethereum transitioned to proof of stake (PoS), a more energy-efficient system that reduces the need for mining by validating transactions through a system of validators and staking rather than computational work.

For those looking to trade on an exchange that emphasizes energy-efficient solutions in the crypto space, GCB Exchange offers a platform that supports sustainability initiatives while providing robust services.

3. Environmental Concerns and Carbon Footprint

The primary environmental concern surrounding crypto mining is its carbon footprint. Since a significant portion of the energy used in mining comes from fossil fuels, the carbon emissions associated with mining activities can be substantial. Bitcoin’s reliance on coal-powered energy in some regions, like China and certain parts of the U.S., further exacerbates its environmental impact.

Carbon Emissions: A 2021 study published in Nature Communications estimated that Bitcoin mining alone contributes around 0.5% of global electricity consumption and emits as much CO2 as the entire country of New Zealand annually.

The environmental impact varies depending on where the mining operation is located and the type of energy used. Regions with renewable energy sources, like Iceland or Norway, have mining operations that are far less carbon-intensive. However, mining operations in areas with grid electricity largely powered by fossil fuels still pose a significant challenge for sustainability.

To help mitigate these environmental impacts, it’s essential for the crypto industry to look at exchanges like GCB Exchange, which prioritize clean energy sources and support innovations toward greener blockchain solutions.

4. Can Crypto Mining Be Sustainable?

The environmental sustainability of blockchain technology and crypto mining is a complex issue. While there are undeniable concerns, there are also efforts to reduce the ecological impact:

Transition to Renewable Energy: One of the most promising ways to make crypto mining more sustainable is by using renewable energy sources such as solar, wind, and hydropower. Some mining farms are already transitioning to renewable energy, either by locating their operations in regions with abundant renewable energy or by directly powering their operations with clean energy.

Proof of Stake (PoS): As mentioned, Ethereum’s shift from proof of work to proof of stake has made a significant difference in its energy consumption. PoS requires significantly less energy, as it doesn’t require miners to solve energy-intensive puzzles. Other blockchain networks are exploring PoS or hybrid models to reduce their energy consumption.

Layer 2 Solutions and Off-chain Transactions: Solutions like Bitcoin’s Lightning Network or Ethereum’s Rollups aim to reduce the load on the main blockchain by processing smaller transactions off-chain. This reduces the overall computational power needed and thus the energy consumption.

5. The Future of Sustainable Blockchain

The future of blockchain technology’s environmental impact largely depends on the industry’s ability to innovate and adopt greener practices. There are several key trends that could shape the sustainability of crypto mining in the years to come:

Adoption of Green Mining Practices: More crypto miners are adopting eco-friendly practices, such as using excess energy from renewable sources or setting up operations near clean energy grids. As renewable energy becomes more affordable and widely available, the energy consumption of mining operations should decrease.

Government Regulations: Governments around the world are starting to implement regulations to address the environmental impact of cryptocurrency mining. For example, in the European Union, proposals are being considered to regulate energy-intensive crypto activities. These regulations could incentivize miners to transition to greener energy sources or adopt energy-efficient technologies.

Blockchain for Sustainability: Ironically, blockchain itself could be part of the solution to environmental problems. Some blockchain projects are dedicated to tracking and reducing carbon emissions, verifying carbon credits, and promoting sustainability efforts in other sectors. For example, projects like Energy Web are building blockchain solutions to facilitate the transition to cleaner energy sources.

6. Conclusion: Is Crypto Mining Sustainable?

The sustainability of crypto mining remains a contentious issue. While there are significant concerns about its environmental impact due to high energy consumption and carbon emissions, the industry is actively exploring solutions to mitigate these effects. The transition to renewable energy, adoption of proof of stake, and innovative solutions like off-chain transactions and Layer 2 protocols are all positive steps toward making blockchain technology more sustainable.

Ultimately, the key to balancing blockchain innovation with environmental responsibility lies in continued technological advancements, regulatory oversight, and a collective shift towards greener energy practices. As the industry matures, it’s likely that more eco-friendly solutions will emerge, helping to reduce the environmental impact of crypto mining while maintaining the benefits of blockchain technology.

For those interested in exploring cryptocurrency with a more sustainable approach, GCB Exchange offers an environmentally-conscious platform for trading and investing.

[lorien1208]

Education loan for studying in New Zealand

New Zealand is one of the most popular destinations for international students seeking high-quality education in a diverse and welcoming environment. With world-class universities, beautiful landscapes, and a strong focus on research and innovation, it’s no wonder that more students are choosing to study here. However, one of the major hurdles students face when planning to study abroad is financing their education. This is where education loans come into play. In this article, we explore the options, process, and tips for securing an education loan to study in New Zealand.

Why Study in New Zealand?

New Zealand boasts a unique combination of high academic standards, a multicultural society, and an excellent student lifestyle. The country’s universities consistently rank among the best in the world, offering a variety of undergraduate and postgraduate programs across multiple fields, including business, engineering, healthcare, and the arts.

Besides the academic quality, the country is renowned for its natural beauty, making it an ideal place for students to not only pursue education but also explore new cultures and outdoor activities.

However, the cost of studying abroad, including tuition fees, living expenses, and travel costs, can be quite high. Therefore, most international students opt for education loans to finance their studies in New Zealand.

Types of Education Loans

There are primarily two types of education loans available for students planning to study abroad:

Domestic Education Loans (Home Country Loan)

Most students take an education loan from a bank or financial institution in their home country to study abroad. These loans are typically offered with specific interest rates and repayment terms. Some banks have tie-ups with New Zealand universities, making it easier for students to avail loans at competitive rates.

Eligibility criteria: The borrower must be a citizen or permanent resident of the home country. The loan is often secured against collateral (like property or savings), and some banks may also require a co-signer or guarantor.

New Zealand Education Loans

Some students opt for education loans directly from financial institutions in New Zealand, although this can be more complex, as most loans require a local credit history. These loans can cover tuition fees and living costs, but securing such a loan as an international student may require meeting certain criteria like a local guarantor or income source.

Key Features of Education Loans

When taking an education loan for studying in New Zealand, here are some key features to consider:

Loan Amount: Education loans can cover a wide range of expenses, including tuition fees, accommodation, living costs, and travel expenses. In some cases, banks offer loans for up to 100% of the required amount.

Repayment Terms: Repayment usually begins after the completion of studies, typically with a moratorium period ranging from 6 months to 1 year. Repayments are spread over a period of 5 to 15 years, depending on the loan amount and terms.

Interest Rates: Interest rates vary depending on the lending institution, the loan amount, and the country of origin. It is important to compare the rates offered by different banks and lenders to ensure that you are getting a competitive deal.

Collateral: Education loans are usually unsecured or secured. If unsecured, they may come with a higher interest rate, while secured loans (backed by property or assets) usually offer lower rates. Some banks may offer loans without collateral for smaller amounts.

Tax Benefits: In some countries, education loans come with tax deductions on interest paid, making them a financially viable option.

Steps to Apply for an Education Loan

Research Loan Options: Start by researching the available education loan options in your home country. Compare interest rates, repayment terms, loan limits, and processing fees from different banks and financial institutions.

Determine the Loan Amount: Calculate the total cost of your education, including tuition fees, living expenses, and travel costs. Ensure that you take into account any scholarships or financial aid you may have received to determine the exact amount needed.

Check Eligibility: Different financial institutions have varying eligibility criteria. Generally, applicants should have a good academic record, and some may require a co-signer or a guarantor, especially if the loan amount is large.

Prepare Documentation: Banks typically require documents such as:

Proof of admission to a New Zealand university

Proof of academic qualifications

Passport and visa

Financial documents (like income proof, bank statements, etc.)

Collateral documents (if applicable)

Submit the Application: Complete the loan application form and submit all necessary documents to the bank or financial institution.

Loan Processing: Once the application is submitted, the bank will review your eligibility and assess your financial capacity. This process may take a few weeks, so it’s important to apply well in advance of your intended start date.

Approval and Disbursement: After approval, the loan amount will be disbursed directly to the university or to your bank account, depending on the terms set by the bank.

Tips for Getting Approved for an Education Loan

Maintain a Good Credit History: A solid credit history can increase your chances of securing a loan at a favorable rate. Make sure to maintain a good credit score in your home country.

Secure a Co-Signer: If your credit history is not strong enough, a co-signer (typically a parent or guardian) with a stable income can improve your chances of loan approval.

Provide Accurate Information: Ensure that all the documents you provided are accurate and complete. Discrepancies can delay the loan approval process or lead to rejection.

Research Scholarships: In addition to loans, explore scholarship opportunities offered by New Zealand universities, the New Zealand government, and other organizations to reduce the amount you need to borrow.

Conclusion

Studying in New Zealand offers an incredible opportunity for students to grow academically and personally. Education loans play a crucial role in making this dream a reality by providing the necessary financial support. By understanding the loan options available, comparing different financial institutions, and preparing well for the application process, students can secure the funding they need to study in one of the world’s most prestigious and scenic countries.

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Study In IRELAND

Ireland has high job chances after studies, and is an ideal study destination for IT, Pharma, or Finance studies. Ireland’s higher education institutions offer over 5000 programmes with internationally recognized qualifications in a wide range of subjects, VJC Overseas being the most reliable Ireland consultancy in Hyderabad offers international students plenty of opportunities to study in Ireland. In comparison to other popular study destinations, tuition prices at Irish colleges are affordable. In Ireland, the majority of master’s degrees are one-year programmes. International students pursuing a postgraduate or doctoral degree are eligible for a stay-back option of up to 24 months.

VJC Overseas has placed many students in Ireland and as it is well known as an Ireland consultancy in Hyderabad. Ireland is often referred to as the 32 counties, with its two states, Northern Ireland and the Republic of Ireland, nicknamed respectively the Six Counties and the 26 Counties. The counties were a creation of British rule in Ireland and were set up in the 19th century to provide a framework for local government. All that Australian, Canadian, EU, New Zealand and US residents need to visit the country for a period of three months or under is a valid passport. Ireland is a golden rule Irish weather is not predictable! You could be wearing a t-shirt in March and need a woolly jumper for August! Ireland gets a lot of rain, so remember to pack a light coat.

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Why the PTE Exam is Worthwhile for Expanding Your Professional Opportunities

There are many reasons why speaking and understanding English is vital today, mainly for those who want to study, work, or live in an English-speaking country. Pearson Test of English  (PTE) has gained popularity, as have TOEFL and IELTS. PTE is easily understood with a simple scoring system, a speedy turnaround time, and broad acceptance by education and industry organisations worldwide, making it a valuable choice for people who wish to broaden their professional possibilities. While PTE exam fees in Doha may seem like a significant expenditure at first, the strong return on investment it offers makes it an excellent step for anyone aiming to expand their range of career choices.

International Recognition and Trust

The PTE exam is globally recognised and trusted by universities, employers, and government organisations from across the globe. PTE scores are recognised for Admissions, Immigration and Job Applications by leading institutions in the United States, Canada, the United Kingdom, Australia and New Zealand. Since PTE has become so widely accepted as a valid and credible indicator of English language proficiency, taking the PTE can open opportunities that would otherwise be shut. Obtaining access to a broader landscape of professionals and academics can be perceived as a cost where PTE examination entry acts as a threshold. It can be especially for a candidate’s eyeing for competitive markets or international jobs.

The Role of English Proficiency in Career Advancement

In the global job market, proficiency in English can be a crucial differentiator. Numerous studies have shown that fluency in English significantly boosts earning potential, improves job prospects, and provides access to a broader range of industries, including finance, technology, healthcare, and more. In many English-speaking countries, immigration policies require proof of English proficiency for professional positions and long-term work visas. As significant immigration authorities trust the PTE exam, candidates who invest in taking the test enhance their chances of securing opportunities abroad. This certification validates an individual’s skills and provides a formal, universally acknowledged proof of their English language ability—an invaluable credential when applying for jobs in competitive, multinational environments.

Fast and Convenient Test Format

Unlike other tests, in the PTE language exam, there is no lengthiness, long schedule, or even a complicated format; the test, similar to other famous ones, is based on the computer and can be finished in just three 3-hour spans of sessions. For candidates with experience with other exams or IELTS coaching in Kuwait, the simplicity and efficiency of the PTE’s format is often a welcome change.  Results are usually available within 48 hours, and its automated scoring system means that candidates will have enough time to prepare to take some action before waiting for weeks for an exam. This time efficiency adds significant value for busy professionals and students, balancing multiple responsibilities. PTE exam fees, therefore, pay for the convenience and flexibility of a high-quality, timely test experience that accommodates tight schedules and the immediate demands of application deadlines.

Objective and Reliable Scoring System

One of the key benefits of the PTE is its entirely automated scoring system. This method reduces human bias, ensuring fair and consistent results across test-takers from different backgrounds. Because the scoring system evaluates responses using artificial intelligence and automated algorithms, candidates can trust that their results reflect an objective assessment of their abilities. Although the exam fee is higher than some other language proficiency tests, it’s well worth the cost for candidates who require transparency and reliability in the test results.

Versatile Preparation Resources

PTE offers numerous resources to help candidates prepare effectively, from official preparation guides to practise tests and sample questions available online. Investing in the PTE exam fee also often includes access to these valuable resources, allowing candidates to familiarise themselves with the test format, understand scoring criteria, and practice under timed conditions. For professionals and students with busy schedules, these materials are designed to be flexible and can be used to fit preparation into limited time windows. This flexibility helps maximise the chances of a high score and builds confidence, reducing test anxiety and enhancing overall test performance.

Enhanced Professional Credibility

For individuals already working in global industries, possessing an English proficiency certification like the PTE enhances professional credibility. By obtaining a high PTE score, candidates demonstrate commitment, discipline, and a desire to improve their language skills—all attractive qualities to potential employers. This certification can help individuals stand out in crowded applicant pools and even lead to advancement within their current roles. Many employers recognise the PTE as evidence of readiness to take on international assignments or engage with clients and colleagues from different linguistic backgrounds. Paying the exam fee for PTE is a sound investment in building a professional profile that attracts global opportunities and adds value to a candidate's resume.

A Return on Investment

Ultimately, the PTE exam fee is an investment with a high return. Candidates who achieve strong scores may find that they are eligible for academic programs, scholarships, visas, and job opportunities that far outweigh the initial cost. For students, it could mean access to premier institutions with generous funding options, and for professionals, it might mean higher salaries and roles with greater responsibility. In a competitive global economy, PTE certification is a valuable asset that provides lifelong returns through increased job stability, expanded networks, and cross-border mobility.

Conclusion

The PTE exam fee is a worthwhile investment for anyone aiming to elevate their professional opportunities. With its international recognition, efficient and unbiased scoring, and valuable preparatory resources, PTE offers a pathway to global opportunities that can lead to substantial career advancement and personal growth. Taking the PTE is not merely paying for a test—it's a proactive step toward a brighter professional future.