Archive for April 30, 2013

Let’s Focus on Education and your GPA

The IMF has caused great hardships around the world.  It’s important that we encourage our students to focus on excelling in their academics so that we can reverse this trend.  Students should be using tools such as the GPA Bot (a GPA Calculator) to monitor their academic performance.

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Your GPA is an important part of college admission so learning to use a gpa calculator can be useful. There’s not much you can do to change your academic records which is why admission officers will use your transcripts from high school. The classes you took in high school and the grades you made will determine your place when you start college.

Another reason to use gpa calculators is though admission officers consider grades essential, they also consider how well you perform in relation to your peers. How you relate to classmates in terms of performance will be the deciding factor in class rank. The class ranking will help the college decide if the C you made in history occurred because you didn’t try your best or because of a strict grading system. If your school doesn’t use a ranking system. Colleges can apply other ways to determine your class ranking like your profile or academic trends related to your school report.

College placement relies on your academic goals like what kind of school you wish to attend. If you are considering a selective college, should to take AP courses to boost your GPA. Ivy League schools may require you to take AP courses before they give you a chance at being accepted. They are very competitive so a B won’t likely work in your favor. A gpa calculator would be more important at large universities since they depend on test scores to screen potential students.

Your GPA isn’t something to be taken lightly. The best time to start improving it is in high school. You are wise to take courses not offered in your school. The gpa calculator can be useful in keeping up with with your grades. You can then work to improve your grades in your weak subjects and get into the college of your dreams.

Cyprus – Debt Deals

It’s very tough to live in Cyprus at the moment, virtually all sectors are suffering from the austerity measures.  You might think it’s fairer that people with money are also being affected by the financial problems, but many of the people with high balances in Cyprus banks are people who have put their lifetime savings there.  The deal that is being put towards the stricken Cypriot government is bailout cash in exchange for austerity and a tax on peoples deposits.

Cyprus might not be the biggest country in Europe, and of course the sums are much smaller than Spain, Italy, Greece and Portugal.  However what happens in this smal island is important for Europe and the future of the Eurozone.  Their latest vote on accepting a new deal was won by only two votes in the Cyprus Parliament.  A loss would have probably involved an exit from the Euro and the establishment of the Cyprus pound as a currency again.

No-one denies that this would have been very painful to the economy, even the opposition parties.  However the idea of exiting the Euro is becoming more and more realistic for many countries.  Just think of the situation on a human level.  You go to live in a country with a reputation as a strong financial centre, you place your hard earned life savings in a Cyprus bank. Suddenly it all goes wrong and a huge portion of your savings are eradicated overnight – basically just removed without your consent from the bank.  The banking sector in that country is suddenly completely without value – would you put any money in a Cyprus bank?

Confidence is shattered in the banking sector, the financial community and in essence the whole economy overnight.  Which business can operate without a bank account?  Two votes have saved the Government from Euro exit, but it’s critics say that the effects will be far, far worse.  Small members like Cyprus will often suffer because they are forced to trade on the same terms as bigger and more efficient economies like Germany.  Different currencies gave countries some flexibility but the Euro means that a Cyprus factory has to compete with one from Hamburg directly.

There are many of us who believe that countries like Cyprus would be better out of at least the Eurozone.  Being able to control their own currency would mean at least Cypriots could compete by modifying their exchange rate.  If I sound emotional it’s because I spend a lot of my time in Cyprus, and worse I’ve found out about this decision via the BBC website – although I had to fiddle with an Ipad and a UK VPN – http://www.uktv-online.com/bbc-iplayer-on-the-ipad-abroad/ to view it!

 

Student Loan Debt

After the financial crash of 2008 and the end of Lehman Brothers, as well as the rescue of other huge banks and investment companies notably Bank of America it made a lot of people nervous about investing in real estate.

Now, we’re seeing real estate values begin to rise rapidly as well.  Of course, part of that rise is simply because there is not much available inventory, but one thing I saw recently was that there is over 1 Trillion Dollars in bad student loans out there.  Does that seem possible or even remotely normal to anyone else?

I mean, for people coming of age today, how can you really go about buying a home, saving for retirement and saving for the college funds of your own kids if you are student paying hundreds of dollars per month in student loan debt? Does anyone else see how that adds up?

http://www.uktv-online.com/