When do you go for a loan? Or particularly payday loans? Obviously the answer is when you are struck in a situation where money is needed immediately and you can not postpone the matter. And what if the lender takes a long time to approve your application of loan? Do not get frustrated at that time, because instant payday loan will get you through in that situation easily.
To make this loan real instant lenders have come up with a variety of schemes. First of all they do not go for any kind of credit evaluation of the borrower. It saves a lot of time and enables bad credit holders also to secure the cash easily. No collateral is asked from the borrower. So there is no lengthy paper processing work involved. It also reduces the time by a many fold.
As the very name implies these loans are payday loans meaning the cash is advanced to you until your next payday. It will fill the financial gap you come across in between two consecutive paydays. You got to pay the money back right on your next payday.
The offerings:
Being a short term loan, it will enable you to avail an amount up to £2000 easily. Interest will lie in between 10% to 20%. It will greatly depend upon your financial standing in present days and your monthly income too. Your monthly salary is like a security to the lender. You should take only that much amount what you can afford to pay back on the next month without any strain.
Availability:
As more and more UK citizens are nowadays suffering from temporary financial crisis in the middle of month, so lenders are also coming forward to offer these loans at ease. Online lenders have made it an instantaneous process. While going online you should take car of the authenticity of the lender and go through the terms carefully.
Scarlette started on a horse back and had a few falls herself. Therefore, she knows Financial decisions are to be made after considerable thought and backed by good financial understanding. To find instant payday loan, Cash loans, cash advance loans, payday loan UK visit http://www.paydayloansuk.org.uk
Article Source: http://EzineArticles.com/?expert=Scarlette_Riley
Saturday, May 31, 2008
Instant Payday Loan - A Quick And Instant Solution To Your Money Crisis
Tips for Selecting a Private Loan Program
Private loans are available to students who are not eligible for financial aid or who need additional funds to meet educational expenses.
They are available from lending institutions such as banks or credit unions.
Since Private loans are not part of the federal government’s program of guaranteed student loans, the extra cost the lender pays to privately insure the loan is passed on to the borrower with higher interest rates and loan fees.
Private loans cannot be consolidated with other student loans.
Private loans are credit-based which means a lender may grant a loan, but the interest rates and fees may be higher if the borrower does not meet the lender’s credit requirements.
Sometimes lenders require a cosigner on a loan; in some cases, the presence of a creditworthy cosigner may keep interest and fees at lower levels.
A borrower may be denied by one lender and approved by another because of the different ways they interpret borrower financial information.
Be sure to check out your options before making a final decision. We recommend you spend some time investigating possible loan programs (talk directly to the lenders) before making a decision. We encourage you to ask prospective lenders the following questions when deciding on an private loan program:
Is a cosigner required? Is a cosigner option available if I do not qualify with my own credit?
What is the interest rate? Is it capped at a certain amount?
Will the lender capitalize accrued interest (add it to the loan principal) and, if so, when and how often?
Is there an origination fee, and if so, how much is the fee?
Are fees deducted from the loan proceeds (the amount I receive) or are they added to the balance when I start repayment?
Are there any repayment fees required when the loan goes into repayment?
Will my lender sell my loan to another agency/company? If so, will the loan terms change?
Does the lender offer flexible repayment options?
Will the lender offer any online repayment incentives?
Does my lender offer a cosigner release option (the cosigner is released from responsibility after I make a required number of payments)?
http://www.okstate.edu/finaid/loans/altloantips.html
Oklahoma state university:Federal Work-Study FAQ
What is Work-Study?
Work-study provides jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay educational expenses. In order to be employed in a Work-Study job, you must have a Work-Study award.
How do I receive a Work-Study award?
You must complete a FAFSA (Free Application for Federal Student Aid) in order to be awarded Work-Study.
The FAFSA is the blanket application for all federal financial aid. You can complete the FAFSA at www.fafsa.ed.gov. After completing the FAFSA you will receive an Email from the Office of Scholarship and Financial Aid notifiying you of your award status on SIS web. If you are awarded Work-Study, it will be included in the award information.
How do I earn my Work-Study award?
Your Work-Study award will represent the amount of money you can earn through a Work-Study job. In order to earn this award you must be employed in a Work-Study position.
Each Work-Study position has a wage attached to it. Most Work-Study positions are paid hourly, however if you are a graduate student you may receive a salary in lieu of an hourly rate. Work-Study positions will pay no lower than minimum wage but may be higher depending on employer, type of work, and skills required.
You will be paid through the University payroll system according to the pay rate and number of hours you work. Hourly wage positions will pay every two weeks, salary position will pay once a month.
Your wages will be drawn from your Work-Study award. You can continue to work until your award is exhausted.
Are There Work-Study jobs on or off-campus?
Both. Most departments and offices on-campus host Work-Study jobs. In addition Off-campus Work-Study jobs are available through the Community Service Work-Study program.
How do I find a Work-Study position?
Listings for on-campus jobs can be found at www.osucareerservices.com. After reading descriptions and requirements for open jobs, contact the person listed in the job description for whichever jobs appeal to you.
You will interview with the employer as you would for a normal job. If hired, the employer will enroll you in the University payroll system so that you can be paid.
If you are interested in working off-campus in the Community Service Work-Study program, available jobs can be found at www.okstate.edu/finaid/Work-Study/comserv.html.
When you find a job that interests you, contact the person listed in that job description. You will interview as you would for a normal job. For off-campus jobs, when you are hired you must then meet with Community Service Work-Study staff in the Office of Scholarships and Financial Aid to be enrolled in the University payroll system.
Why get a Work-Study job instead of a regular job?
One of the most important reasons is this: the salary you earn through Work-Study will not be counted as a resource when calculating your financial aid for the next school year. The salary you earn through a normal job will be counted as an additional resource and could lower your financial aid the following year.
Work-Study jobs are also plentiful and relatively easy to find. Work-Study employers know that you're a student first and will work around your class schedule. Many Work-Study positions, especially those in the Community Service Work-Study program, make excellent additions to your resume.
What is the Community Service Work-Study program?
The Community Service Work-Study program provides off-campus jobs for Work-Study students. These jobs focus on doing work which benefits the community, so employment will entail working for nonprofit organizations, public schools, and governmental entities.
Community Service Work-Study jobs let you get involved in the community while helping others. They are excellent in not only building real-world experience but also look very good on your resume.
How many hours will I work?
Workload will vary depending on your schedule, the employer's needs, and the amount of your Work-Study award.
Work-Study students typically work 15 - 20 hours/week. However some work more and some work less. Most Work-Study employers will work around your schedule; employers will never ask you to work during classes.
In order to be certain you earn your entire award, you should calculate how many hours per week you will need to average, based on your pay rate and Work-Study award level, in order to earn your entire award.
What happens when my Work-Study award is exhausted?
When you have earned your entire award your Work-Study position ends. Some employers opt to hire students as regular student employees once their Work-Study award is gone. This is at the discretion of the employer.
What if I do not earn my entire Work-Study award?
If you do not earn your entire Fall Semester award, the balance will be carried over and added to your Spring Semester award, assuming you are enrolled for both Fall and Spring.
However, any unused award at the end of Spring (or at the end of Fall if you're not returning in the Spring) will be lost.
What if I already have an on-campus job when I receive notification of my award?
All student jobs on-campus can be changed to Work-Study jobs. Notify your employer of your Work-Study award and they will do the necessary paperwork to change the job to Work-Study. If they are not sure how to do this they can contact the Office of Scholarships and Financial Aid for instructions.
What if I cannot find a Work-Study job?
Work-Study jobs are very plentiful and there are almost always more jobs than there are students to fill them. If you are not hired for the first Work-Study job don't be discouraged, try another.
There are work-study jobs that will fit almost anyone's schedule, skills, and interests.
Are there jobs available outside of Stillwater?
Yes, if you commute or just want to explore work outside of the Stillwater community, the Community Service Work-Study program offers many jobs outside of Stillwater and Payne County.
If you commute and there are no current Work-Study positions in your community, please contact the Community Service Work-Study program staff about setting one up.
Who can I contact if I have Work-Study questions?
The Office of Scholarships and Financial Aid accepts walk-in's Monday-Friday 8:00 AM -5:00 PM at 119 Student Union. You may also reach us at (405)744-6604 or at finaid@okstate.edu.
Questions regarding Community Service Work-Study can be directed to James Rupp at (405)744-7056 or james.rupp@okstate.edu.
U.S. Department of Education Programs :Federal Work-Study (FWS)
A major responsibility of the U.S. Department of Education (ED) is the administration of programs. To help educators, policymakers, and citizens understand these programs, ED publishes each year a "Guide to U.S. Department of Education Programs."
Federal Work-Study (FWS)
CFDA Number: 84.033
Program Type: Formula Grants
Also Known As: Formerly known as College Work-Study Program
Program Description
The FWS Program provides funds that are earned through part-time employment to assist students in financing the costs of postsecondary education. Students can receive FWS funds at approximately 3,400 participating postsecondary institutions. Institutional financial aid administrators at participating institutions have substantial flexibility in determining the amount of FWS awards to provide to students who are enrolled or accepted for enrollment. Hourly wages must not be less than the federal minimum wage. Financial need is determined by the Department using a standard formula, established by Congress, to evaluate the financial information reported on the FAFSA and to determine the expected family contribution (EFC). The fundamental elements in this standard formula are the student's income (and assets, if the student is independent), the parents' income and assets (if the student is dependent), the family's household size, and the number of family members (excluding parents) attending postsecondary institutions. The EFC is the sum of: (1) a percentage of net income (remaining income after subtracting allowances for basic living expenses) and (2) a percentage of net assets (assets remaining after subtracting an asset protection allowance). Different assessment rates and allowances are used for dependent students, independent students without dependents, and independent students with dependents. After filing a FAFSA, the student receives a Student Aid Report (SAR), or the institution receives an Institutional Student Information Report (ISIR), which provides the student's EFC.
FSA Handbook: Federal Work Study
Federal Work-Study (FWS) allocations are made to eligible institutions for the purpose of providing part-time employment to needy undergraduate and graduate students attending participating institutions. Institutional allocations are based on institutional requests for program funding under a statutory formula. Under the funding formula, funds are distributed to institutions, first, on the basis of the institution's base guarantee plus the pro rata share received during the 1999–2000 award year under the FWS Program and, then, on the basis of the aggregate need of the eligible students in attendance. Employers of FWS recipients must contribute 25 percent of the funding (except in the case of private, for-profit organizations, which must match 50 percent, and in the case of established criteria for which the matching requirement is waived). The U.S. Department of Education encourages colleges and universities to use FWS Program funds to promote community service activities. Institutions must use at least 7 percent of their Work-Study allocation to support students working in community service jobs, including: reading tutors for preschool age or elementary school children; mathematics tutors for students enrolled in elementary school through ninth grade; or literacy tutors in a family literacy project performing family literacy activities. Students receive FWS awards from participating institutions after filing the Free Application for Federal Student Aid (FAFSA) to determine their financial need and may be employed by: the institution itself; a federal, state, or local public agency; a private nonprofit organization; or a private for-profit organization.
Chase Private Student Loans: Free College Education Loan Application
Private student loans are now available online from $1,000 to $40,000 per college education year.* Private student loans help students cover college education expenses that exceed their federal student loans and other sources of financial aid. Chase offers a free online private student loan application with conditional loan approval in minutes.
Borrow the money you need today for college education expenses such as Tuition, Room and Board, Computer and all other college education related expenses including past due college tuition bills. No cosigner is necessary, however, a cosigner may help you get a lower interest rate on your private student loans. Students in need of fast financial assistance can have funds sent directly to them within 2 business days of final approval. Currently there are no application deadlines, you may apply for your private student loan online at any time.
Private student loans from $1,000 to $40,000 per year for items such as:
College tuition
Room, board and off campus living expenses
Books, labs, supplies and student activity fees
Laptop computer and printer
All college education related expenses
Chase private student loan features and benefits include:
Funds are sent directly to you within two business days of final approval
Competitive private student loan interest rates
Affordable monthly payment terms
Easy no hassle free online student loan application
Repayment can begin six months after graduation
No financial aid forms or school certifications required
No application deadlines, students can apply anytime
Your sensitive financial information is secure with Chase. The Chase private student loan application team includes highly trained and knowledgeable service representatives who can provide students with professional advice, consultation and assistance. Simply apply online for your private student loan using the links provided here on our web site.
Chase private student loans and college education loan programs are helping thousands of college students pursue their dreams each year. Chase is a nationwide lender and national leader in student loan programs. Chase has provided billions of dollars of private student loans and federal student loan consolidation funds to students and former students. Chase is a company students can trust to provide a positive and convenient student lender experience.
Visit Chase Private Student Loans home page to apply online or to learn more about Chase college education loan programs.
*Important Information: As students determine the best way to finance their college education, they should consider the full range of student financial aid options available. Private loans, like the Chase Private Student Loan, can be used when federal student loans, grants and other forms of college financial aid are not sufficient to cover the cost of education. Chase services its Private Student Loans and does not sell them to another lender. Chase Private Student Loans are subject to credit approval, receipt of a completed and signed Application/Promissory Note, verification of student's application information and verification of student's enrollment at a participating school. The $40,000 annual maximum is based on the student's creditworthiness and the cost of the attendance at school. The cumulative Chase private student loan limit is $150,000.
Graduate School Private Loan Consolidation
Graduate School Private Loan Consolidation with Graduate School Loans
Consolidating your private educational loans with Graduate School Loans means merging outstanding private education loans into one loan, including private loans used to cover residency expenses and/or other educational expenses. This is in addition to already consolidated private educational loans. Consolidating your private educational loans with Graduate School Loans allows you to significantly lower your monthly payment by lengthening the term of your loans, while receiving a low variable interest rate. This is possible even if your private graduate school loans are of different types or held by more than one lender.
Eligibility
You are eligible to consolidate your private education loans with Graduate School Loans if you meet the following criteria:
Be at least eighteen years old at the time of application
Have a minimum of $10,000 in US issued private educational loans
Are in repayment status of private education loans at the time of application
Have good credit standing
Are a US citizen or permanent resident (eligible non US citizen)
Benefits
With Graduate School Loans, there are several benefits in consolidating your private educational loans.
Graduate School Loans offers borrower benefits, such as an interest rate reduction of .25% when you sign up using auto-debit to repay your loan
Simple repayment terms
Low, variable interest rate
No prepayment penalties
Convenience of one low monthly payment to one lender versus the hassle of sending various bills monthly
Graduate School Loans offers personalized and friendly customer service. With Graduate School Loans you work with one loan consultant throughout the process of consolidating your private educational loans.
Process
The process of consolidating your private educational loans is made simple and fast with Graduate School Loans.
Applicants receive an instant credit decision, origination fees, interest rate and borrower benefit information
Receive a Master Promissory Note (MPN) via USPS. Just sign and return within 90 days, at which point you will be updated with your loan approval, repayment information and options.
Sign up for auto-debit in order to receive an immediate interest rate reduction of .25%
Payment Options
After consolidating your private educational loans with Graduate School Loans, you will start immediate repayment, generally beginning 20 days after finishing your application.
The repayment term is a maximum 30 year plan, regardless of private consolidation balance. You may choose one of several repayment options for your private loan consolidation with Graduate School Loans, and there is NO penalty for early repayment
Equal Payments: Standard payments are made according to principal and interest over a 30 year term. This equal payment option allows equal monthly payments over the life of the loan
Select 2/Graduated Payments: Allows for interest-only payments for the first two year of repayment. Beginning the third year, payments increase to level installments of principal and interest payments for the remaining life of the loan.
Select 5/Graduated Payments: Allows for interest-only payment for the first two years of repayment. During the third through fifth year, payments increase to include a portion of principal. Beginning the sixth year, payments increase to level investments of principal and interest payments for the remaining life of the loan
Tax Benefits
Consolidate your private education loans with Graduate School Loans and take advantage of tax benefits
By way of the Taxpayer Relief Act of 1997, the Government now permits individuals to deduct the interest paid on loans taken out to attend eligible educational institutions
Ability to deduct up to $2,500 in student loan interest. Taken as an adjustment to income, allowing the deduction regardless if you itemize deductions on Schedule A of your 1040.
Deductions phased out for taxpayers with adjusted gross incomes of $50,000 to $65,000 [single filers] and $100,000 to $130,000 [married filing jointly]. Taxpayers who are married but file separate returns are not eligible.
Deferment and Forbearance
In-school, Military, Internship and Residency Forbearances are available to qualifying borrowers with Graduate School Loans.
Deferment options do not exist at this time with Graduate School Loans.
Disclosures: CIT Bank, Salt Lake City, UT is the originating lender of the Graduate School Loans Private Consolidation Loan. CIT is a registered service mark of CIT Group Inc.
Apply for a Graduate School Loans Private Loan Consolidation in just a few easy steps.
http://www.graduateschoolloans.com/private-loan-consolidation/private-loan-consolidation.php
What are the types of home equity loans ?
Home Equity Loans
Equity is the difference between your home's value and the balance on your mortgage loan. If your home is worth $100,000 and you owe $75,000 on the mortgage, then you have $25,000 of equity in your home.
Borrowing against this equity is currently a very popular method of getting a big chunk of credit, primarily because of low interest rates. Add to that the fact that the interest on most home equity loans is tax deductible and they become an appealing option if you need to make a major purchase.
Home equity loans are typically used for consolidating consumer debt or covering a large expense such as a big wedding, college tuition, or home renovations.
However, because your home is collateral for the loan, you should be very careful about using home equity loans. The problem is that if you default on the loan, the bank will foreclose on your home.
Types of Home Equity Loans
There are two types of home equity loans. A traditional home equity loan is also called a second mortgage and is when a bank lends you a lump sum of money that must then be paid back over time. With this type of home equity loan, interest begins building as soon as the bank issues you the money.
A newer type is a home equity line of credit, where a bank gives you a checkbook or credit card to make purchases, which then accrue against your home's equity. With this type of home equity loan, interest does not begin building until you actually make a purchase.
There are also several ways to repay a home equity loan. The most common option is to make regular payments toward both the interest and the principal.
However, some loans also give you the option of only paying the interest at the beginning of the loan and gradually paying more of the principal.
Finally, you may have the choice to pay both principal and interest, but to make extra payments in order to pay off the principal sooner. You should check with your lender about this, as some loans have penalties for paying ahead.
When you take out a home equity loan, the rate is usually higher than a regular (also called a first) mortgage.
However, the rate is generally much lower than the APR for credit cards, and it is repaid over fifteen years instead of four, meaning your payments will be lower than your minimum credit card payments.
For example, $10,000 in credit card debt at 15% will have a monthly payment of $278. The same amount owed at 15% on a home-equity loan over 15 years gives you a monthly payment of only $140.
The problem is that many people get a home equity loan to pay off their credit card debts, but don't change their spending habits and end up running up their credit cards again, compounding the problem.
Lenders call this "reloading" and if you lose a job, have a major illness, or the economy slows, you could lose your home.
Finding a Home Equity Loan
If you decide to apply for a home equity loan, you shouldn't necessarily automatically go with the same bank that holds your first mortgage. Instead, shop around to find the best rates and loan terms. Most home equity loans come with variable interest rates, although some come with low introductory rates, and a few have fixed interest rates.
You may also find loans with large one-time upfront fees, closing costs, or other annual fees.
Finally, there are loans with large balloon payments at the end, and others with no balloons but with higher monthly payments.
Finding the right loan for you is a challenge; it requires checking different lenders and comparing options to select the home equity loan that best meets your needs!
What are home equity loan ?
A home equity loan (sometimes abbreviated HEL) is a type of loan in which the borrower uses the equity in their home as collateral. These loans are sometimes useful to help finance major home repairs, medical bills or college education. A home equity loan creates a lien against the borrower's house, and reduces actual home equity.
Home equity loans are most commonly second position liens (second trust deed), although they can be held in first or, less commonly, third position. Most home equity loans require good to excellent credit history, and reasonable loan-to-value and combined loan-to-value ratios. Home equity loans come in two types, closed end and open end.
Both are usually referred to as second mortgages, because they are secured against the value of the property, just like a traditional mortgage. Home equity loans and lines of credit are usually, but not always, for a shorter term than first mortgages. In the United States, it is sometimes possible to deduct home equity loan interest on one's personal income taxes.
There is a specific difference between a home equity loan and a Home Equity Line of Credit (HELOC). A HELOC is a line of revolving credit with an adjustable interest rate whereas a home equity loan is a one time lump-sum loan, often with a fixed interest rate.
Closed end home equity loan
The borrower receives a lump sum at the time of the closing and cannot borrow further. The maximum amount of money that can be borrowed is determined by variables including credit history, income, and the appraised value of the collateral, among others. It is common to be able to borrow up to 100% of the appraised value of the home, less any liens, although there are lenders that will go above 100% when doing over-equity loans. However, state law governs in this area; for example, Texas (which was, for many years, the only state to not allow home equity loans) only allows borrowing up to 80% of equity.
Closed-end home equity loans generally have fixed rates and can be amortized for periods usually up to 15 years. Some home equity loans offer reduced amortization whereby at the end of the term, a balloon payment is due. These larger lump-sum payments can be avoided by paying above the minimum payment or refinancing the loan.
Open end home equity loan
This is a revolving credit loan, also referred to as a home equity line of credit, where the borrower can choose when and how often to borrow against the equity in the property, with the lender setting an initial limit to the credit line based on criteria similar to those used for closed-end loans. Like the closed-end loan, it may be possible to borrow up to 100% of the value of a home, less any liens. These lines of credit are available up to 30 years, usually at a variable interest rate. The minimum monthly payment can be as low as only the interest that is due.
Typically, the interest rate is based on the Prime rate plus a margin.
Home equity loan fees
Here is a brief list of possible fees that may apply to your home equity loan: Appraisal fees, originator fees, title fees, stamp duties, arrangement fees, closing fees, early pay-off and other costs are often included in loans. Surveyor and conveyor or valuation fees may also apply to loans, some may be waived. The survey or conveyor and valuation costs can often be reduced, provided you find your own licensed surveyor to inspect the property considered for purchase. The title charges in secondary mortgages or equity loans are often fees for renewing the title information. Most loans will have fees of some sort, so make sure you read and ask several questions about the fees that are charged.
Friday, May 30, 2008
Guaranteed Online Personal Loans - How To Avoid Getting Scammed
Guaranteed online personal loans are also known as payday loans or bad credit loans. These are usually short term loans offered to people who need a "quick fix" to help them cover their expenses between paychecks. While these loans are certainly offered in large amounts, most borrowers don't need an enormous amount of money. Unlike a mortgage loan or a loan for a new car, these loans are usually used to cover a rent check, utility bill or pay for groceries when on hand money is short.
There are plenty of "brick and mortar" locations to offer you short term loans, but many states are passing legislation against their high interest rates. This has caused a huge explosion of guaranteed online personal loan companies to set up shop on the Internet. Of course, not all of these companies are legitimate and you need to be very careful about sending your information over the Internet. Here are a few tips to help you decide which companies are legitimate and which companies are simply trying to gain access to your personal information.
1. Always look to see if the loan company has "regular" stores as well. If they have "brick and mortar" locations in addition to their online operations, they are probably perfectly legitimate. Still, though, if you want to be sure that the business won't share your information, you should take the time to travel to the location that is closest to your home.
2. In the absence of "brick and mortar" locations, make sure that each of the finance companies you consider has a physical address. Post Office boxes are not the same as a street address. While you aren't likely to travel to visit this street address, it is more trustworthy than a post office box. Should fraudulent activity take place, you at least have an address to give to the authorities.
3. Make sure that, if you want to, you can conduct business with any guaranteed online personal loan company over the phone. If the company does not have a customer service line or will not conduct business over the phone as well as online run away. Any company that refuses to do business offline is probably not legitimate.
4. Research the company. Check with the Better Business Bureau and the Attorney General of your state and the state in which the loan company operates (even online businesses need to register with state authorities). If you can't find listings for them or business registrations for the company, do not share any of your personal information with them--not even your email address!
There are plenty of legitimate guaranteed online personal loans out there, but there are also a lot of scams. The best way to make sure that you don't get hit by a scam is to do your research. The more research you do on a particular company, the less likely you are to be burned by them.
You can find out more about Guaranteed Online Personal Loans as well as much more information on all types of personal loans at http://www.PersonalLoansA-Z.com
Article Source: http://EzineArticles.com/?expert=Terry_Edwards
The Cash Loans UK - Fixes Cash Shortages Instantly
When the salary gets exhausted in the middle of the month, it becomes difficult to meet sudden expenses offered by life in the latter half of the month. Coping with these expenses is almost impossible without any external help, and neither can one shy away from them till the next month. At times it can lead to mental and financial shivers in one's life. Cash loans UK provide this necessary external support in times of urgent needs.
Reasons for Cash Loans UK:
Cash Loans UK are a short term unsecured loan approved without any collateral or credit check. This loan can be used to meet all urgent expense. They are a fast processed loan and save a lot of time for the borrower from evaluation processes.
Specifications:
Cash loans UK come with a very simple and easy procedure. You can apply online and applications are processed very swiftly. You don't need to fax even a single piece of paper. It often takes 3-4 days to process. So, the swift availability of these loans makes them even more popular. Also, you can borrow anything around £1,000 - £500,000 depending upon the amount you can afford to pay at the end of the month.
Features:
The interest rate in this loan is a bit high considering the short term of the loan and its unsecured nature. Lenders compensate these by charging high rates. But as there are countless lenders available in the loan market, finding affordable rate deals is not difficult with thorough research.
Advantages:
Cash loans UK can be used for any purpose whether it is buying a car, home renovation or anything else. Your application will be absolutely confidential and your employer or bank is not going to be contacted without your permission. The benefit of cash loan UK is that it is approved very fast, generally on the same day of application.
Mathew Kenny is offering loan and financial advice for quite a long time. He is working as the senior financial consultant with Easy Cash Loans. To find cash loans uk, Quick cash loan, cash loans, cash until payday visit http://www.easycashloans.co.uk.
Article Source: http://EzineArticles.com/?expert=Mathew_C_Kenny
The Bad Credit Tenant Loans - Live Like a Owner
Bad Credit but not bad time, More than 50% people in UK live as tenant. They do not own a home. But what if they run out of cash sometimes? And they do not own any house or property to pledge as collateral put against a loan! More over if they are suffering from credit problem, and then it becomes really hard for them to secure financing from market. In this situation bad credit tenant loans come into picture.
For before approving a loan to the borrower lender always evaluates credit score of him depending upon his past financial transactions. And a score is assigned to him. If this score is below 620 then he or she is considered as a bad credit holder. And lenders see them as high risky borrower. But with bad credit loans this is not the case.
The variations:
These bad credit tenant loans can be secured in mainly two forms - secured and unsecured. Though you being a tenant do not own a house to place as security against the loan, but you can any other valuable asset of yours as collateral like car, jewelries etc. And this keeps the lender at somewhat safer side helping you to reduce the loan amount. But in case of unsecured loans no collateral is required against the loan. In return, sometimes lender may charge a bit high interest rate. You can secure an amount up £25000 through these loans. Interest rate will be in between 10% APR to 17% APR.
Things you need to do:
First of all, before approaching any lender evaluates your credit score yourself and try to improve it if possible. Try to pay off some small debts. If needed take some available debt consolidation service's help.
You can secure these loans from banks, financial institutions or online lenders. Go online and browse all the available quotes. Compare all available rates of bad credit tenant loans. And then decide which one is best for you depending upon your present financial condition.
Canana:International Academic Mobility Initiative (IAM)
The International Academic Mobility Initiative (IAM) supports Canadian post secondary institutions in offering international learning opportunities to their students. This goal is achieved through IAM's support for student mobility and academic co-operation projects between Canadian post-secondary institutions and institutions in foreign partnering countries.
The International Academic Mobility Initiative is composed of three programs:
The Canada-European Community Program for Co-operation in Higher Education and Training
This program encourages joint academic projects among higher education institutions, training establishments and other organizations on both sides of the Atlantic.
Program for North American Mobility in Higher Education
This program encourages co-operation in higher education and training among the three North American Free Trade Agreement countries with a focus on student mobility. Since its inception, universities and colleges from all regions of Canada have participated in a wide range of trilateral projects with institutions in the United States and Mexico. The trilateral partnership activities include the innovative use of new learning technologies to maximize student participation.
Special Initiative Program
The Special Initiative Program supports and complements IAM’s other program offerings. It provides financial support for projects that strengthen the Canadian education community in its capacity to offer a range of international learning opportunities to post-secondary students for full academic credit.
Canada Student loans:Budget 2008 and Student Financial Assistance
Budget 2008 and Student Financial Assistance
Investing in People
Improving Canada’s competitive position means developing the best-educated, most skilled and most flexible workforce in the world. That is why Budget 2008 is:
Supporting Canadian students with a $350-million investment in 2009–10, rising to $430 million by 2012–13, in a new, consolidated Canada Student Grant Program that will reach 245,000 college and undergraduate students per year when it takes effect in the fall of 2009.
Committing $123 million over four years starting in 2009–10 to streamline and modernize the Canada Student Loans Program.
Enhancing the flexibility of Registered Education Savings Plans by increasing the time they may remain open to 35 years from 25 years, and by extending the maximum contribution period by 10 years.
The Canada Student Loans Program provides loans and grants to Canadians attending a University
The Canada Student Loans Program provides loans and grants to Canadians attending a University, College, Trade School, or Vocational School, if they need help financing their education.
Student Loans*
The Canada Student Loans Program enables students with a demonstrated financial need to attend a post-secondary institution by providing them with loans to cover the costs of going to school. In doing so, the Government of Canada attempts to ensure Canadians have the opportunity to develop the knowledge and skills needed to participate in the economy and society.
Applying for a Canada Student Loan
Applying for a Government Student Loan
Determine your eligibility for a Canada Student Loan--find out how to apply for a loan, and learn when you will receive the funds. Some pages within this section will ask you for your student profile in order to provide the information that is most relevant to your situation.
Designated Educational Institutions
To help determine your eligibility for a loan, visit the designated list of educational institutions where students are eligible to receive Canada Student Loans.
Financial Planner
The Financial Planner provides you with three tools to help you finance and budget for your postsecondary education: The Education Cost Calculator, the Budget Estimator and the Online Budget Planner.
Need Assessment Tables for Full-Time Loans
These tables assist full-time students in determining whether or not they are eligible for a student loan.
Student Loan Estimator
The Student Loan Estimator is an interactive Web application that can be used by full-time students to estimate the amount of assistance they could potentially receive from both the Canada Student Loan Program and provincial funding authorities.
*Important note for residents of Quebec, Nunavut, or the Northwest Territories.
Repaying Your Canada Student Loan
Repaying Your Student Loan
Visit CanLearn’s “Repaying your Government Student Loan” section to find out when you have to begin paying back your loan, what your monthly payments will be and how to repay your student loan faster. Some pages within this section will ask you for your student profile in order to provide the information that is most relevant to your situation.
Debt Reduction in Repayment
Determine how Debt Reduction in Repayment (DRR) may be able to assist you if you face exceptional long-term financial difficulty. DRR will reduce your outstanding student loan principal and lower your monthly loan payments. Click here to access the Maximum Income Guidelines for DRR.
Interest Relief
Interest Relief can help you meet your repayment obligations if you are temporarily unable to repay your government student loans due to unemployment or a low income. Click here to access the Maximum Income Guidelines for Interest Relief.
Permanent Disability Benefit
If you have a permanent disability and you are experiencing exceptional financial hardship repaying your Canada Student Loan(s) due to your disability, you may qualify for the Permanent Disability Benefit (PDB) which allows for the reduction of your loans.
Revising the Terms of your Loan
Revision of Terms is a debt management measure designed to help you decrease your monthly payment amount should you be unable to repay your government student loans according to the terms in your Consolidation Agreement.
Tax Relief
Click on the link above to find out what forms of tax relief the Government of Canada offers students.
Source: http://www.hrsdc.gc.ca/en/learning/canada_student_loan/index.shtml
Thursday, May 29, 2008
Convenience Store Loans - Options
In general, borrowers shopping for a convenience store loan will be pleased with the number of options available to them. Including conventional, SBA and a few CMBS programs.
One of the biggest components to convenience store loans is whether or not the subject property offers gasoline. Basically any convenience store that offers gasoline will be classified as a gas station and borrowers should seek financing under that category. As a side note, we happen to be working with a borrower who had his convenience store loan in process. The over eager loan officer had it wrongly classified as convenience store(not as a gas station). As soon as the appraisal company came out to the facility and reported its finding to the funding bank the loan was immediately declined. This of course wasted $5,000 for the borrower and 3 months of his time.
C-Store Loans
In general, borrowers have three options for their c-store loan. Conventional, SBA and CMBS loans. SBA loans will normally provide the highest level of financing and some of the longest fixed rates for this building type. For example 85% loan to cost financing is common for convenience stores. Fixed rates can be for as long as 10 years. Don't let the rumors about the SBA process scare you off as the SBA has done a lot in the last 3 years to improve their process. You should be able to close your loan in 45 days.
Make sure however that whoever the funding bank is, that they hold the PLP designation. What's important about this for you is that the loan will only have to be underwritten one time. Versus working with a bank that is not PLP you will have to have the deal underwritten once by the bank THAN by the SBA. That's where the 75 to 120 days to close horror stories come from.
CMBS loans also have some very strong options, like 80% financing and rates fixed for up to 30 years, yes 30 years. However, due to the subprime mess many of these options have become limited or expensive. But it is still very much recommended that you research these options as they maybe a great fit for your situation.
Conventional financing, i.e. a regular loans from your local bank, will normally provide the best rates, however they will normally have the most conservative underwriting and weakest terms. Fixed period rarely exceed five years with shorter amortization periods of 15 to 20 years for convenience store loans.
Jeff Rauth is President of Commercial Finance Advisors, Inc out of Birmingham, Michigan. He specializes in Commercial Real Estate Loans between $100,000 - $5,000,000. Offers unique loan programs such as Commercial Second Mortgages, Commercial 30 Year Fixed, 90% non SBA financing, Commercial Equity Loans. 248 885-8797 or daycare center loans or bed and breakfast loans or convenience store loans
Article Source: http://EzineArticles.com/?expert=Jeff_Rauth
JAPANESE GOVERNMENT SCHOLARSHIPS 2009
THE JAPANESE GOVERNMENT (MONBUKAGAKUSHO:MEXT) SCHOLARSHIPS 2009
Undergraduate & Postgraduate
The Embassy of Japan is pleased to announce that the Japanese Government
(Monbukagakusho:MEXT) Scholarships for the academic year 2009 is open for application from 17th
March to 11th April 2008. Malaysian nationals who would like to pursue their studies in Japan are
invited to apply for the scholarship. During the term of the scholarship, monthly allowances of
approximately 134,000 yen (approx RM4,288) will be given to undergraduate grantee and 172,000
yen (approx RM5,504) to postgraduate grantee (amount are subject to change). Fees of the entrance
examination, matriculation and tuition at universities will be exempted. A round-trip airplane ticket
is also provided.
There are two (2) categories available under the scholarships:
1. Undergraduate (5 ~ 7 years bachelor degree course from April 2009)
a) Applicants must be between 17 and 22 years of age of 1st April 2009 (i.e. born between
2nd April 1987 and 1st April 1992)
b) Applicants must have completed SPM or O-Level with at least 11 years of formal
education (EXCLUDING REMOVE CLASS). STPM students (lower/upper) and those who
will sit for A-Level, UEC, Matriculation or Diploma examination this year may also apply
(provided the results will be known by March 2009).
c) Applicants must have good command of English with excellent result in other major
subjects.
2. Postgraduate (1 & 1/2 or 2 years course from April or October 2009)
a) Applicants must be under 35 years of age as of 1st April 2009 (i.e. born on or after 2nd
April 1974)
b) Applicants must be a degree holder (ideally a 1st or 2nd Class Upper Honours Degree)
with 16 years of formal education (EXCLUDING REMOVE CLASS). Undergraduates who
are in the final year at their respective universities are eligible to apply.
Applicants for postgraduate, who are MALAYSIAN CIVIL SERVANTS, must apply through
the Public Service Department of Malaysia (PSD). For further details, please contact PSD
at 03-8885-3432 (Ms. Siti Haslina) or 03-8885-3436 (PA to Ms. Siti Haslina).
Application forms for Undergraduate and Postgraduate can be collected from the Embassy of
Japan or printed out from the Embassy of Japan’s Homepage (www.my.emb-japan.go.jp).
Alternatively, applicants can send Self-Addressed Envelopes pasted with 50-cents stamps
to Japan Information Service, Embassy of Japan, No.11, Persiaran Stonor, Off Jalan Tun Razak,
50450 Kuala Lumpur. Please indicate Undergraduate or Postgraduate at the top
left-hand corner of ALL envelopes. Otherwise, applications WILL NOT be entertained.
Applicants should ensure their duly completed form returned before the deadline.
LATE SUBMISSIONS WILL NOT BE CONSIDERED. For further information, please access
to www.my.emb-japan.go.jp.
http://www.my.emb-japan.go.jp/English/JIS/MEXT2009/English.pdf
2009 HHMI Early Career Scientist Competition
HHMI Early Career Scientist Competition
The Howard Hughes Medical Institute (HHMI) is pleased to announce a national competition to select as many as 70 outstanding early career scientists. This competition will enable HHMI to identify the nation’s best biomedical scientists at a critical early stage of their faculty careers, and to provide them with flexible funding to develop scientific programs of exceptional merit. HHMI seeks scientists in all areas of basic biological and biomedical research, and in areas of chemistry, physics, computer science, and engineering that are directly related to biology or medicine.
This new program comes at a critical moment for the nation and the long-term health of its medical research infrastructure. This initiative responds to the very real challenges faced by promising early career-stage scientists in an era of constrained research funding. In today’s environment, early career faculty find it difficult to establish and develop research programs. They often begin their first independent position with institutional start-up funds to support their research. However, they are soon under pressure to apply for federal research grants. Even if they are successful in obtaining funding the first time, getting a second grant or renewing a grant is difficult.
The France Post-doctoral position 2008-2009
Physiologically structured population models for viability analysis
One Post-doctoral position 2008-2009
available at the Ecology-Evolution Laboratory (CNRS, UMR 7625) at the
Ecole Normale Sup?rieure (CERES-ERTI) in Paris.
Applications are invited for a one-year postdoctoral position funded by
R2DS (http://www.r2ds.centre-cired.fr/) to investigate the dynamics of
small populations with plastic life histories using physiologically
structured populations models.
Population persistence is notably conditioned by the degree of
individual variation in reproductive success, which depends on variation
in any part of the life cycle. Yet, the majority of studies that
examined population extinction have tended to ignore life history
variation and plasticity. Here, we wish to use life history models to
inform the dynamics of small populations and ask how plasticity in life
history traits influences extinction dynamics. Many aspects of life
history can interact with population dynamics and the project
concentrates on three of them, namely growth, maturation and survival.
The post-doc will explore this issue by developing models that account
for variation in life history traits using the theory of physiologically
structured populations (PSP). This theory takes into account that
physiological development (e.g. growth, maturation) depends on the
current state of the environment (e.g., temperature, food and predator
densities). In turn, the influence of the population on the environment
closes a feedback loop between environment, population and life history.
The theory of PSP models is thus particularly well-suited to study the
interaction between population dynamics and plastic life history. Small
populations are subject to stochastic fluctuation in abundance. The
project aims to study the feedback of this variability on life history
and the consequences for extinction dynamics. The models will be
parameterized with estimates from field and experimental studies
undertaken with the common lizard, a species with strong thermal and
food plasticity in life history traits.
The post-doc will be based at the Ecology-Evolution Laboratory (CNRS,
UMR 7625) at the Ecole Normale Sup?rieure (CERES-ERTI) in Paris, where
the applicant will work with David Claessen and Jean-Fran?ois Le
Galliard. This post-doc project is part of a research network on the
dynamics of small populations funded by ANR from 2008 to 2012 and will
therefore interact with a larger group of researchers. The post can
start on September 1st or October 1st 2008 and will run for one year
with a possible one year extension by applying to extended funding from
the R2DS network in spring 2009. Gross salary will be 2500 per month.
The starting date can be postponed in exceptional circumstances.
References:
Claessen, D. (2005). Alternative life-history pathways and the
elasticity of stochastic matrix models. American Naturalist 165: E27-E35.
Le Galliard, J.-F., Fitze, P. S., Ferrire, R. and J. Clobert. 2005. Sex
ratio bias, male aggression, and population collapse in lizards.
Proceedings of the National Academy of Sciences USA 102(50):18231-18236.
Claessen, D; Van Oss, C; de Roos, AM; Persson, L. 2002. The impact of
size-dependent predation on population dynamics and individual life
history. Ecology 83 (6): 1660-1675.
Candidate profile
There are no nationality restrictions and the successful candidate will:
(1) Possess a doctoral degree in ecology and/or mathematics, dating no
more than 2 years before 1 October 2008, though the last condition may
be negotiated in exceptional circumstances.
(2) Not have worked in the hosting lab, nor have prepared his thesis
within the hosting lab, except for a return after a period of absence of
at least one year.
(3) Have strong competence in modeling, with an interest in population
dynamics, viability analyses and conservation biology and knowledge of C
programming or closely related languages.
(4) Have personal qualities needed for group work and inter-disciplinary
study.
Contact
Application: Chantal Cuisinier, tel.: +33 1 44 27 36 89, email:
Chantal.Cuisinier@snv.jussieu.fr, postal address is CNRS UMR 7625,
University Paris 6, 7 Quai St Bernard, 75005 Paris
Research project: David Claessen, tel.: +33 1 44 32 27 21, email:
david.claessen@ens.fr
How to apply
1 Applicants have until April 30 2008 to send a completed application
form available at http://jf.legalliard.free.fr/ to the Application
contact point.
2 The lab director and a local jury will select one candidate from the
application forms and contact the candidates from May 31 2008.
3 The regional office of the CNRS will be responsible for drawing up
the contract.
Japan CSEAS Fellowship for Visiting Scholars, 2009
CSEAS Fellowship for Visiting Scholars, 2009
(Application Deadline: July 31, 2008)
The Center for Southeast Asian Studies of Kyoto University is now accepting applications from scholars and researchers who work on Southeast Asia, or on any one of the countries in that region, and are interested in spending time in Kyoto, Japan, in order to conduct research, write, or pursue other scholarly interests in connection with their field of study.
Since 1963, more than two hundred distinguished scholars have visited the Center for periods ranging from six months to one year. They have availed themselves of the Center’s considerable scholarly resources and the invigorating atmosphere of scenic Kyoto, the ancient capital of Japan and the main repository of the country’s cultural treasures, to pursue their interests in Southeast Asian area studies. The Center’s multi-disciplinary character and the diverse research interests of its faculty offer visiting scholars an ideal opportunity for the exchange of ideas and the cultivation of comparative perspectives.
Five fellowships will be awarded for the first half of 2009 on a competitive basis. Fellowships are normally for a six-month duration, although in exceptional cases they can be extended for an additional six months.
Successful applicants will receive an appropriate stipend to cover international travel and living expenses in Kyoto. Research funds will also be provided to facilitate his/her work. Funds will also be allocated for domestic travel, subject to government regulations, and a number of other facilities are available to visiting scholars. Fellows will be expected to reside in Kyoto for the duration of their fellowship period.
Scholars are normally invited to deliver a public lecture during their term at the Center. Fellows will also be encouraged to submit an article for possible publication in the Center’s quarterly journal, Southeast Asian Studies, and to contribute to the online Kyoto Review of Southeast Asia.
http://www.kyoto-u.ac.jp/en/news_data/h/h1/2008/news3/080401.htm
Australian Leadership Awards Scholarships 2008 2009
Applications for the 2009 ALA intake open on 01 April 2008 and close 30 June 2008.
The Australian Leadership Awards (ALA) Scholarships are a component of a regional program that aims to develop leadership and build partnerships and linkages within the Asia-Pacific.
They are intended for those who are already leaders or have the potential to assume leadership roles that can influence social and economic policy reform and development outcomes, both in their own countries and in the Asia-Pacific region. The ALA program comprises of Scholarships and Fellowships.
ALA Scholarships are academically elite awards offered to high achievers from the Asia-Pacific region each year to undertake postgraduate study (Masters or Doctorate) and a Leadership Development Program in Australia.
Selection for ALA Scholarships is highly competitive, based on leadership qualities and on academic excellence.
ALA Scholarships are an investment in the future of the Asia-Pacific region. In this regard, ALA scholars are required to return to their home country or the region for two years after they have completed their studies.
In future years, ALA scholars will belong to a unique group - the Australian Scholarships Alumni Network (ASAN) - that will maintain strong and enduring links to Australia. Managed by AusAID as part of Australia’s overseas aid program, ALA Scholarships are open only to citizens of countries in the Asia-Pacific region with which Australia has a significant aid program.
Objectives of ALA Scholarships
ALA Scholarships aim to:
develop a cadre of leaders advancing regional reform, development and governance
increase exchange of knowledge and information within the region
build common purpose and understanding between Australia and the region
build capacity to address priority regional issues
build effective networks between Australia and the region
demonstrate the benefits of Australian education through the provision of high quality education.
Leadership Development Program (LDP)
Through the enhancement of leadership skills, ALA Scholarships seek to empower awardees to participate in social and economic policy and development outcomes in their own countries and in the region. Current and future leaders in the Asia-Pacific region are provided a unique opportunity to explore and harness their leadership potential.
AusAID has invested A$10.128 million over a four year period to deliver a comprehensive Leadership Development Program (LDP) to all ALA scholars.
The LDP comprises a three day conference in Canberra, regional workshops and leadership coaching and practice opportunities. The LDP increases skills in leadership and enhances participants’ understanding of the challenges at national, regional and global levels. LDP aims to help scholars realise their full leadership potential and provides important networking and collaborative opportunities for ALA scholars.
The LDP component of the ALA Scholarship is a valuable opportunity that is not offered through any other scholarship program in the Asia-Pacific region.
Fields of study
Awards are open to all fields of study, however, study programs that relate to the priority themes of international trade, pandemics, security and climate change (including clean energy) are encouraged. Scholarships are not available for military training, or training in areas related to nuclear technology and flying aircraft.
Levels of study
An ALA Scholarship enables candidates to undertake studies leading to a Masters or Doctorate degree in Australia. It does not include Graduate Diplomas, with the exception of those Masters courses that require the completion of a Graduate Diploma as part of the Masters degree.
Who should apply
Outstanding applicants with:
a very high level of academic achievement at undergraduate and/or postgraduate level
a high level of English language proficiency
demonstrated leadership potential and good prospects to influence social and economic policy reform and development outcomes in their home country and in the Asia-Pacific region
a commitment to participate ASAN on their return home.
ITALIAN GOVERNMENT SCHOLARSHIP India, 2008-2009
ITALIAN GOVERNMENT SCHOLARSHIP, 2008-2009
CATEGORY ‘A’
Scholarships with duration 12 months each to pursue Specialised Post-Graduate Courses in the subjects: Fashion Technology, Economics and Management, Cultural Heritage and Restoration, Information and Communication Technology, Environment, Energy, Biotechnology and Micro Electronics.
CATEGORY ‘B’
Scholarships with duration of 12 months each to pursue the First Year of 3 Year Degree Course in teaching of the Italian Language and Culture to foreigners (ILIS) of the University for Foreigners, Perugia.
CATEGORY ‘C’
Scholarships with duration of 06 months each to pursue the Second Level Advance Course (C2) of the Italian Language & Culture course at the University for Foreigners, Perugia.
CATEGORY ‘D’
Scholarships with duration of 03 months’ duration each to pursue the First Level Advanced Course (C1) of the Italian Language & Culture course at the University for Foreigners, Perugia.
CATEGORY ‘E’
Scholarships with duration of 03 months each to pursue the Second Level Intermediate Course (B2) of the Italian Language & Culture’ at the University for Foreigners, Perugia.
Last date of receipt of applications at the address given above is 28th May, 2008 (5.30 P.M.). Application received thereafter will not be considered. Application can also be downloaded from the Department’s website www.education.nic.in. On line applications may be accepted provided hard copy of the application alongwith enclosures (attested copies of certificates, marks-sheet etc.) reach the Ministry within 7 days of last date of receipt of application.
ITALIAN GOVERNMENT SCHOLARSHIP India, 2008-2009
http://scholarship-positions.com/italian-government-scholarship-india-2008-2009/2008/05/22/
The PhD Position in Animal Biochemistry
PhD Position in Animal Biochemistry
Estonian University of Life Sciences
Project: “Metabolic Modulation of Growth Factors”.
The aim for the thesis is to investigate mechanisms of transcription and gene expression regulation in growth factor IGF-1 and IGF-2 genes, IGFBP-s (IGF binding proteins) and IGF Receptor genes. Results of study can be of importance in animal production as they potentially allow increase protein content and decrease fat content. Hypothesis is based on feed dependant IGF-1 gene expression modulation case. Type and level of IGF regulation has to be studied. The cytokine insulin-like growth factor-1 (IGF-1) is considered to mediate anabolic growth hormone actions. In addition, locally expressed IGF-1 is an important growth regulator acting in an auto- and paracrine manner. Cattle serum IGF-1 level in puberty shows correlation with protein and fat production in animal first lactation. Long-term treatment with n3-PUFAs can result in decrease of IGF-1 mRNA content in muscle cells and in depressed protein synthesis in animal body.
Requirements: The ideal candidate must hold a Master’s degree (or equivalent) in biochemistry, molecular biology or animal sciences, have good communication skills, be able to work in a team and be highly motivated to conduct fundamental scientific research.
The doctoral fellowship is based on a scholarship. The assignment period is normally four years. The candidate will work part time as research/teaching assistant with a workload not exceeding one year during the four year assignment period. Applicants should have a background and a language proficiency (preferably Estonian, but English is also acceptable) to be able to work as assistant in regular courses given by the Department.
Applicants must qualify for admission to the PhD program at the EMU. See http://www.emu.ee/141969
Application: For further questions and to apply, contact:
Estonian University of Life Sciences
Institute of Veterinary Medicine and Animal Sciences
The International PhD program 2008/2009 Max Planck Research School for Molecular and Cellular Biology
March 19, 2008
The International Max Planck Research School for Molecular and Cellular Biology (IMPRS-MCB) of the Max-Planck-Institute of Immunobiology and the Albert-Ludwigs-University in Freiburg i. Br. (Germany) invites suitable candidates to apply for a position in the preparatory program of our
International PhD program 2008/2009
starting on October 1, 2008 in Freiburg i. Br. (Germany).
We invite applications from all countries. Applicants must hold a Masters degree or a Diploma (or equivalent) in Biology, Biochemistry, Medicine, Chemistry, or related fields. It is not necessary to hold the degree at the point of application. However, you must have been awarded your degree prior to the start of the program in October 2008. Candidates have to be fluent in written and spoken English and should document their proficiency in English (TOEFL etc.). German is not required. All applications are reviewed and candidates are selected for personal interviews in Freiburg based on their academic qualification, motivation, CV, suitability to the program and two confidential letters of recommendation. The closing date for online registration is May 3, 2008 and for full applications May 10, 2008. Online-registration and full details of the requirements for the application including the application form can be found at http://www.imprs-mcb.mpg.de
2008-2009 VLIR-UOS Scholarship Programme for Master and PhD, Belgium
The international study opportunities include the VLIR funded International Courses (ICPs) and the International Training Programmes (ITPs).
Every year, with the support of the Belgian Directorate-General for Development Cooperation (DGDC), VLIR awards scholarships to students from developing countries to study one of the 15 ICPs or one of the 6 ITPs.
Each year there are a maximum of 180 scholarships available for first-year ICP students and a maximum of 70 scholarships for ITP participants.
Although these programmes primarily address students and professionals from developing countries, they are also open to other people.
For more information, please refer to the more comprehensive VLIR publication ‘International Study Opportunities in Flanders, Belgium’, available at the Belgian Embassies, at selected universities in Africa, Asia and Latin America and downloadable from the VLIR website (www.vliruos.be). It contains details on course contents and application requirements, and explains the VLIR scholarship programme and the application procedure.
The application form can be found in the publication ‘International Study Opportunities in Flanders, Belgium’. It can also be obtained directly from the respective university or downloaded from the VLIR website.
The application form should be returned to VLIR no later than 1 February 2008.
We sincerely hope that the exchange during your study in Flanders results in partnerships and improved understanding across frontiers, and that the knowledge you acquire will be invested and disseminated in the framework of long-term initiatives in your country of origin.
International Courses 2008-2009
* Master of Science in Biostatistics
* Master of Science in Aquaculture
* Master of Science in Environmental Sanitation
* Master of Science in Nutrition and Rural Development, Main Subject: Human Nutrition
* Master of Nematology
* Master in Physical Land Resources
* Master of Food Technology
* Master of Human Ecology
* Master of Molecular Biology
* Master of Ecological Marine Management
* Master of Water Resources Engineering
* Master of Human Settlements
* Master in Development Evaluation and Management
* Master in Globalisation and Development
* Master in Governance and Development in Sub-Sahara Africa
International Training Programmes 2008
* Beekeeping for Poverty Alleviation
* AudioVisual Learning Materials – Production and Management
* Governing for Development: Opportunities and Challenges for Development Actors
under the New Aid Paradigm
* Dairy Technology: From Rural to Industrial Level
* Scientific and Technological Information Management in Universities and Libraries
* Optimisation in Diagnostic Radiology
For more information about the VLIR-UOS Scholarship Programme please contact Mr Mario De Meyer Assistant Scholarship Programme: mario.demeyer[ at ]vliruos.be
The Chase Student Loans: Private Student Loans
Private Student Loans - Money for College
Chase Student Loans: Private Student Loans
Chase Private Student Loans can help for all of your college needs—from undergraduate through graduate/professional school. Chase Private Student Loans provide critical assistance when federal student loans, grants and scholarships are not enough for the full cost of your higher education. Plus it can help pay for college expenses not covered by other forms of student financial aid.
Private Student Loan Benefits include:
$1,000 - $40,000 available per year
Funds are sent directly to you in as little as five business days
Use your student loan funds for any education-related expense including tuition, living expenses, books, lab fees, supplies?even a laptop computer or previous school fees
No student financial aid forms or school certifications are required
Flexible repayment terms
No application deadlines; apply anytime
Private student loans, also called alternative college loans, can be used to cover most education-related expenses. These college loans are a great option when federal student loans and other forms of student financial aid aren't enough to cover the full cost of your education. Because most private student loans are credit-based, families cannot be turned down for making too much money.
College Loans Tip - You should be conservative with student loans and borrow wisely, because the amount of money for college that you borrow might have long-term effect that can influence your lifestyle!
Most private student loans are in the student's name, which allow the student to start building their credit. Unless the student meets certain requirements, an eligible cosigner may be needed for a private student loan. A cosigner can be a parent, relative, spouse, friend or other eligible adult. Student loan rates and fees are determined by the lender and usually depend on both the student's and the cosigner's credit score.
Why choose Chase Student Loans?
Chase Student Loans is one of the nation's leading providers of student loans. Chase student loan experts work with thousands of students every year to help them reach their education goals. The application process for a Chase student loan is secure, easy and quick, and special borrower benefits are available.
Chase also offers services beyond student loans to help you plan your financial future.
As you determine the best way to finance your education, you should consider the full range of student financial aid options available. Private loans, like the Chase Private Student Loan, can be used when federal loans, grants and other forms of financial aid are not sufficient to cover the full cost of education.
Chase services its Private Student Loans and does not sell them to another lender.
Chase Private Student Loans are subject to credit approval, receipt of a completed and signed Application/Promissory Note, verification of application information and verification of student's enrollment at a participating school.
Chase Student Loans: Private Student Loans
Source : http://www.chase.com/index.jsp?pg_name=ccpmapp/shared/assets/page/private_student_loans
The American Indian Science and Engineering Society-AISES
AISES administers the following scholarships for the 2008-09 academic year. All required forms may be downloaded in pdf format from the AISES website.
AISES Google Scholarship
Application Deadline: June 15, 2008
New in 2008, the AISES Google Scholarship will fund scholarships awards to American Indian, Alaska Native and Native Hawaiian AISES members pursuing degrees in the computer science, computer engineering and management information systems. AISES and Google support the advancement of American Indian and Alaska Native students working towards obtaining a degree in the fields computer science and technology so they can obtain the necessary skills to compete in today’s global society.
Burlington Northern Santa Fe (BNSF) Foundation Scholarship
Application Deadline: April 15, 2008
Administered for the Burlington Northern Santa Fe Foundation, this scholarship is made available to American Indian high school seniors every year, who reside in states serviced by the Burlington Northern and Santa Fe Pacific Corporation and its affiliated companies: Arizona, California, Colorado, Kansas, Minnesota, Montana, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, and Washington. The award is for 4 academic years (8 semesters) or until baccalaureate degree is obtained, whichever occurs first. Applicants who are not selected as recipients will be given consideration in the A.T. Anderson Memorial Scholarship program, if all criteria is met. Eligible majors include business, engineering, math, medicine/health administration, natural/physical sciences, technology and education.
General Motors Engineering Scholarship
Application Deadline: June 15, 2008
Established in 2002, in partnership with General Motors. Scholarships are awarded to members of AISES who are American Indian/Alaskan Native undergraduate or graduate students pursuing degrees in engineering. GM gives preference to electrical, industrial or mechanical engineering majors. Applicants who are not selected as recipients will be given consideration in the A.T. Anderson Memorial Scholarship program, if all criteria is met.
A.T. Anderson Memorial Scholarship
Application Deadline: June 15, 2008
AISES’ own scholarship program was established in 1983 in memory of A.T. Anderson (Mohawk), a chemical engineer who founded AISES with six other American Indian scientists. Scholarships are awarded to members of AISES who are American Indian/Alaskan Native college students pursuing academic programs in the sciences, engineering, medicine, natural resources, and math.
The Future Leaders Student Scholarship
Future Leaders Fund is an educational international organization. The goal of this scholarship is to find a student who possesses true leadership qualities and has a financial need. We are looking for an individual who wants to make a difference, is not afraid of challenges and is passionate about his/her ideas. The Scholarship amount is $200.
There are two pre-requisites:
You have to be a Non-US citizen
You have been enrolled in a Bachelor or any kind of Graduate study at a US university for at least one academic year.
The application process consists of two stages:
Stage I
Submission of the application package
- At this stage the scholarship committee will select 10 applicants to proceed to the second part of the process.
Stage II
Telephone interview
The application package consists of three parts:
Completed Application form
Unofficial transcript of your current studies
Essay
Please submit your application to:
Victoria Pavlova
Future Leaders Fund Scholarship
PO Box 2445
Williamsburg, VA 23185
The deadline for application submission is April 15, 2008. Late application packages will not be admitted. Telephone interviews will take place the week of April 22-25, 2008.
Application form can be downloaded from:
http://www.futureleadersfund.org/application.html
USA Postdoctoral Position in Neuronal Cell Signaling, Department of Pharmacology, The University of Iowa
A postdoctoral position is available in the Department of Pharmacology, University of Iowa Carver College of Medicine, Iowa City starting from March, 2008. The laboratory is interested in studying Neuronal Cell Signaling. In particular, projects are aimed at studying the dynamic regulation of expression, trafficking, localization and functions of voltage-gated potassium channels by diverse GPCR signaling pathways in mammalian neurons.
Check Mohapatra & Trimmer, J Neurosci 2006; and Park & Mohapatra et al., Science 2006 to get a broad idea on the future projects. These projects will employ tissue (neuronal) culture, biochemical, proteomic, cell biological, molecular biological, and electrophysiological techniques to answer critical quiestions.
Ph.D. with good knowledge of basic neuroscience is a required qualification. Although experience in atleast 2 or more above-mentioned expertise is expected, candidates with thorough expertise in cell biology, confocal microscopy and imaging will be given preference. You will be allowed and encouraged to learn all the techniques and rational approach used in the laboratory. Excellent support and motivation will be provided for future career advancement. The laboratory will be a well-equipped one with own tissue culture, biochemical, molecular biological and some imaging and good electrophysiological facilities.
The University of Iowa, College of Medicine has excellent central core research facilities (Genomic, Proteomic, Imaging, and Gene-targeting cores) at the disposal for rapid advancement of research projects.
Iowa City is a very nice and collegial town with high living standards, but inexpensive cost of living in comparison to big cities. To apply send your CV, statement of research interests, and name & contact details of three referees to: Dr. D.P. Mohapatra at: dpmohapatra[ at ]ucdavis.edu.
The U Iowa is an equal oppertunity employer.
PhD Scholarship : Research Opportunity at the University of Limeric
PhD Scholarship
Department of Mechanical and Aeronautical Engineering
Research Opportunity at the University of Limerick in the Department of Mechanical and Aeronautical Engineering
A PhD scholarship is available to study the effect of a residual stress field on the fracture behaviour of engineering steels operating under high temperature conditions. The scholarship is funded by Science Foundation Ireland (SFI).
The objective of this research is to obtain an understanding of residual stress effects on structural integrity from a fracture mechanics and life assessment perspective. Although recent progress has been made in the area of low temperature assessment of components containing residual stress (when elastic-plastic behaviour dominates) methods are lacking to assess behaviour at high temperature when creep behaviour dominates. The work will examine a fracture mechanics-based approach, including analytical estimates of residual stress effects on crack initiation and growth. In addition, numerical (finite-element) analysis of cracked components and specially designed experimental tests will be carried out.
The successful candidate will be registered at the university of Limerick (UL) and the research will be carried out in collaboration with the mechanics of materials group at Imperial College London and the neutron scattering centre at HMI, Berlin (where measurements of residual stress are carried out using neutron diffraction techniques).
The project requires a candidate who is experienced in computational mechanics and has an interest in experimental techniques in engineering. The candidate should have, or be expecting, at least an upper second class honours degree (or equivalent) in Mechanical Engineering or related discipline. The student should be open-minded, creative and goal orientated.
The research scholarships are worth approximately €16,500 per annum (tax free), and also cover university fees for EU residents only, due to funding restrictions. The project will initially commence as Masters by Research or MPhil with a transfer to PhD after an appropriate period of time. Interested applicants should send a full CV in PDF or WORD format to noel.odowd@ul.ie including the words ‘PhD Studentship Fracture’ in the subject line.
Closing date is June 30, 2008.
Two PhD positions Switzerland ETH Zurich - Architecture
Description
In the Fracture Mechanics/Lightweight Materials and Structures Group of the Institute for Building Materials (IfB), of the Swiss Federal Institute of Technology (ETH Zurich) are available two PhD positions in the field of Lightweight Materials and Structures.The challenge in developing lightweight materials is to assure sufficient strength and deformability in combination with low weight which is of interest for economic use of resources. One of the strategies followed in the past years to mix cement and protein foam to reach significant weight reduction, where ways have been found to retain the strength.Foaming can be applied to almost any material, and currently first steps have been made to extend our efforts to include metallic foams. The development of a new material should at best be combined with investigations at the structural level to explore the possible applications.
In the research project the design and development of lightweight shelters as temporary fast deployable structures for use in cases of emergency or for large manifestations is pursued.The research comprises of two parts that should run in parallel. One part of the project focuses on the development of metallic foams in relation to possible structural configurations; the second part deals with the development of a numerical simulation program for analyzing the behaviour of the metal foams.
Education
The candidates should have a completed Master degree in one of the following fields: materials science, applied mechanics, structural engineering or architecture (the last one with emphasis on structural design and engineering). For subproject (1) a creative mind is needed, interest in developing new materials and structures and a clear practical attitude needed in experimental exploration. For subproject (2) creativity is important, as well as a strong background in structural mechanics and numerical simulation techniques. Since synergy between the two projects should develop, team spirit is an important issue.
Entrance upon by arrangement
Remarks
The starting date is open to discussion, but preferably at very short notice. For further information, please contact Prof. Dr. Jan G.M. van Mier, tel. 41 (1) 633 2709/2712, or jvanmier@ethz.ch
Contact address
Applications including a CV and the names of two referees can be sent electronically or by normal mail to Prof. Dr. Jan G.M. van Mier, ETH Zurich, IfB, Schafmattstrasse 6, 8093 Zurich, Switzerland.
Email: jvanmier@ethz.ch
http://www.ethz.ch
Company: ETH Zürich
Workplace: Zürich-Hönggerberg
http://www.telejob.ethz.ch/telejob/offer.xml?offer=11101
Japan: Tohoku University Scholarship for International Doctoral Program in Engineering
The Faculty of Engineering is pleased to announce the Tohoku University International Doctoral Program in Engineering and invites eligible students to submit applications for the 2006 program. A wide variety of elective courses are being offered in English. Scholarships for overseas students with outstanding scholastic ability are being offered as part of the program. The Program was launched in 2001 through the financial support of the Ministry of Education, Culture, Sports, Science, and Technology (Monbukagakusho) and is now in its sixth year. Doctoral students in Tohoku University enjoy some of the best experimental facilities in the world and study along side distinguished faculty and associates to develop creative and original research that is published in highly reputed international journals.
Departments
Department of Mechanical System and Design
Department of Nanomechanics
Department of Aerospace Engineering
Department of Quantum Science and Energy Engineering
Department of Bioengineering and Robotics
Department of Electrical and Communication Engineering
Department of Electronic Engineering
Department of Applied Physics
Department of Applied Chemistry
Department of Chemical Engineering
Department of Biomolecular Engineering
Department of Metallurgy
Department of Materials Science
Department of Materials Processing
Department of Civil Engineering
Department of Architecture and Building Sciences
Management of Science and Technology Department
Prospective students should also choose one from the following course groups (A-E):
Group A: Environmental Engineering
Group B: Information and Communications
Group C: Medical Engineering
Group D: Energy
Group E: Materials
Twenty-five students will be admitted per year into the five course groups, with 5 students being admitted into each course group. A maximum of 17 students can be awarded Monbukagakusho scholarships.
Lectures in English are arranged in areas of candidate research speciality. Research supervision may be in English or Japanese depending on the candidate`s ability and students may also attend lectures given in Japanese to fulfill their requirements.
Degree Requirements
The main requirements for Doctor of Engineering (D. Eng.) degree are (1) three years of residency, which may be shortened for special cases where outstanding research performance is demonstrated; (2) successful completion of a minimum of 16 credits; (3) submission of a Doctoral dissertation; and (4) oral defense of doctoral thesis.
The 16 credits consist of basic interdisciplinary courses and research seminar (8 credits), and thesis preparation and submission (8 credits). Credits for basic interdisciplinary courses and research seminar depend on the department requirements. Credits for the obligatory interdisciplinary courses must be acquired within 3 years from the admission.
Candidate Eligibility
Eligible candidates are those who have the following qualifications:
Master`s degree or be currently enrolled in a Master`s degree program with expected completion before the admission date of the International Doctoral Program. The Master degree acquired or to be acquired by the candidate must be equivalent to the Master of Engineering degree awarded by Tohoku University that includes both research and thesis components.
Those who have been involved in research for a minimum of two years in internationally accredited College, University or research Institute after a Bachelor`s degree from a Japanese accredited college or University, or after equivalent degree from another country, as determined by the Admission Office of the Faculty of Engineering.
Applicants must be under 35 years of age as of April 2006 (born after April 2,1971) to be eligible for financial aid and must be citizens of a country that has diplomatic relations with Japan. Military personnel and employees from military institutions are not eligible for this program.
Application
Prospective candidates should submit all materials except for recommendation letters in a single envelope as listed below. The envelope should be addressed as given below and should contain: three copies of items 9 and 11; originals of items 6, 7 and 14; and original plus two copies of all other items, except 8 and 15. GRE and English test scores should be provided in sealed envelopes as supplied by the responsible organization. Materials required for application:
Tohoku University application form (Form #1)
Monbukagakusho forms (Form #2 and Form #3) for students applying for financial support.
Health Certificate (Form #4)
Certificates of Bachelor`s Degree and Master`s Degree
Undergraduate and graduate transcripts.
Graduate Record Examination (GRE) scores. (GRE General Test is preferable)
Test of English as a Foreign Language (TOEFL), or International English Language Testing Service (IELTS) scores.
Two recommendation letters (Form #5)
Census register, Passport, or other proof of citizenship.
Curriculum Vitae with passport photos (6*4cm) taken within the past 6 months. (An original photo is required on each copy of the curriculum vitae).
Master`s dissertation or equivalent (1000 words in English, 2000 characters in Japanese).
Draft proposal in chosen area of study describing 3-year research plan.
Personal statement on why the applicant desires to pursue the Doctoral Degree in Engineering.
Supporting material (optional) such as theses, journal, conference, and submitted publications.
Official recommendation letter (Form #6) for students from the Institutions with formal academic agreement with Tohoku University.
Selection and Admission
Preliminary selection is carried out by the International Doctoral Program Evaluation Committee, based on recommendations from the above-mentioned departments and scholastic aptitude of applicants, according to transcripts, GRE and English language test scores, direct interview or interview using the internet, and applicant supplied materials. Tohoku University recommends of candidates to Monbukagakusho, which makes the final determination of grantees for Japanese Government Scholarships. Admission is from the winter semester, which begins on October 1, 2006.
Financial Support
Monbukagakusho awards 3-year scholarships to students receiving favorable evaluations. The scholarships cover living expenses (approximately 175,000 yen/month) and include a round-trip air ticket (discounted economy) between the nearest international airport in the country of the candidate`s nationality and the New Tokyo International Airport (NRT). Students awarded with a scholarship are exempt from all entrance and tuition fees. Monbukagakusho requests that students who are admitted to the program complete their doctoral studies within three years of financial support.
For non-scholarship students, entrance examination and admission fees are 30,000 Yen and 282,000 Yen, respectively. Tuition is 535,800 Yen per academic year. Fees can be revised during the enrollment period and in those cases, the new rates are applicable and become effective from the date of the revision.
Important Notes
Documents submitted become the property of Tohoku University and cannot be returned.
Simultaneous applications for the Japanese Government Scholarship to more than one university are strictly prohibited and will result in cancellation of all applications being made by the applicant.
Prospective candidates should locate a possible research advisor at Tohoku University before application.
Applicants must depart their country on the 1st of October 2006 or later, and arrive in Japan between the 1st of October and 7th of October 2006. Scholarships may be canceled if grantees awarded with Monbukagakusho scholarships fail to arrive in Japan within the above time frame.
All applicants for the Program must have finished at least 16 years of primary and secondary education and must have graduated from a university or equivalent. In principle, a degree from another country should have corresponding number of years of formal education to be considered as equivalent to a Japanese degree. However, the Japanese Government and Universities, considering the differences in educational systems of different countries, have established criteria and schemes that allow international students to attain equivalence to Japanese educational system. International students are strongly advised to contact the Admission Office of the Faculty of Engineering regards to matters on eligibility prior to submission of an application.
Applicants are encouraged to become acquainted with Japanese language, culture, and customs. Knowledge of Japanese is essential for daily life and will help to make your stay in Japan both productive and culturally enriching.
Schedule and Contact Information
Candidates should submit the necessary materials so that they arrive no later than February 2, 2006. Applicants will be notified of the preliminary selection results around the end of April 2006. Final selection results authorized by Monbukagakusho will be announced by July 2006. Please obtain application forms from your college or university, office, or homepage listed below. Further information for the application may be obtained by writing:
International Doctoral Program in Engineering (E)
c/o Graduate School of Engineering, Tohoku University
Aramaki Aza Aoba 6-6-04, Aoba-ku, Sendai 980-8579
TEL: +81-22-795-5820
FAX: +81-22-795-5824
E-MAIL: eng-in@bureau.tohoku.ac.jp
HOME PAGE: http://www.eng.tohoku.ac.jp/eng/english/
2006-2008 Course Groups
Numbers in parentheses "( )" refer to departments offering the courses listed in page 1.
Courses with (*) are offered by the Graduate School of Environmental Studies.
Group A: Environmental Engineering
(1)(2) / (16) Advanced Damage Tolerance and Design / Risk Management for Failure Prevention, July and/or August, 2009
(9) Advanced Process Analysis and Modeling, July and/or August, 2008
(14) Advanced Environmental Hydraulics and Water Quality Engineering, July and/or August, every year
(15) Geological Environment and Earthquake Disaster, July and/or August, 2007
(16) Advanced Topics in Technology Policy, October 2008 to February 2009
(*) Advanced Materials Processing for Environment, November 2008
(*) Advanced Environmental Biotechnology, July and/or August, 2007
(*) Advanced Ecoengineering Systems, August, 2009
Group B: Information and Communications
(1)(2)(3)(4) Computer Architecture, October 2006 to February 2007
(5)(6) Advanced High-Speed Communication Engineering, April to September , 2009
(6) Advanced Electronic Device Engineering, July and/or August, 2007
(7) Quantum Material Physics, February 2008
(12) Advanced Topics on High Performance Materials, July and/or August, 2007
(1)(2)(3)(4) Image Analysis, October 2007 to February 2008
Group C: Medical Engineering
(4) Advanced Quantum Science and Energy Engineering, September, 2008
(4) Molecular Medical Engineering, August, 2007
(5) Advanced Bioelectromagnetics, January and/or February, 2008
(6) Advanced Biomedical Electronics, July and/or August, 2007
(10) Advanced Biomolecular Engineering, July and/or August, 2009
(13) Advanced Course on Materials Physical Chemistry, July and/or August, 2007
(17) Advanced Bio-Mechanics, January 2007
Group D: Energy
(3) Shock Wave in Complex Media and their Interdisciplinary Applications, July and/or August, 2007
(4) Advanced Quantum Science and Energy Engineering, September 2008
(8) Advanced Course in Atoms and Molecules Control Engineering, July and/or August, 2008
(9) Advanced Process Analysis and Modeling, July and/or August, 2008
(13) Advanced Materials Processing, July and/or August, 2007
(14) Advanced Structural and Material Engineering, July and/or August, every year
(15) Energy and Indoor Environment of Residential Buildings, April to July, 2007
(*) Advanced Materials Processing for Environment, November 2008
(*) Advanced Environmental Biotechnology, July and/or August, 2007
(*) Advanced Ecoengineering Systems, July and/or August, 2009
Group E: Materials
(7) Quantum Material Physics, February, 2008
(8) Advanced Course in Atoms and Molecules Control Engineering, July and/or August, 2008
(10) Advanced Biomolecular Engineering, July and/or August, 2009
(11) Metallurgical Process Engineering, July and/or August, 2009
(12) Advanced Topics on Highly Sophisticated Materials, July and/or August, 2007
(13) Advanced Materials Processing, July and/or August, 2007
(16) Advanced Energy and Resources, April to July, 2008
(17) Advanced Bio-Device Engineering, July and/or August, 2008
Note:
Students must take 2 to 4 courses depending on the respective departmental requirements and at least one course from the respective department within three years of admission to fulfill the requirements in basic interdisciplinary courses. Courses from other groups or from course groups of graduate programs in Japanese may be taken as substitutes for at most 4 credits in basic interdisciplinary courses upon approval by the respective department and research advisor.
