War of the Worlds: Student Finance versus Life

Written by Richard Green


It’s a worrying time for current and prospective students. Figures fromrepparttar Prudential, show that a third of UK university students have considered abandoning their studies due torepparttar 143360 financial strain they have encountered. It is not surprising that many prospective students are findingrepparttar 143361 need to seriously think throughrepparttar 143362 merits of going to university. Withrepparttar 143363 increase in course fees, alongside decreases in government financial support,repparttar 143364 current crop of graduates can expect huge debts (currently averaging over £13,000) when they enterrepparttar 143365 employment market, which they hope will reward them with a highly paid job.

However, as more students get pushed on torepparttar 143366 higher education production line and undertake degrees,repparttar 143367 once elitist qualification becomes devalued. Suddenly employers find themselves surrounded by graduates of ambiguous quality. Prestigious highly-paid careers are rare these days and graduates find themselves increasingly under pressure to jump through a number of hoops, with many interviews relying on an individual’s ability to sell himself, rather thanrepparttar 143368 basis ofrepparttar 143369 academic work.

Students need to take responsibility for their own finances, whilerepparttar 143370 government seeks our recognition of its actions (educatingrepparttar 143371 unemployed is good forrepparttar 143372 books … and votes), withoutrepparttar 143373 state taking on responsibility (“it’s an investment in your own future”).

Are you aware of planning in business?

Written by Parul jain


Human beings are rational agents. Rationality endorses one to take up planning in every sphere of life from shifting to a new house to marriage, as well as business. A business plan isrepparttar first and most significant premise to reach and run a successful business. It is not just that capital that makes a business successful but it is also planning done in a prudent manner that plays a crucial role.

In simple terms a business plan is nothing but a written plan that delineatesrepparttar 143338 monetary orrepparttar 143339 fiscal structure (an outlay)-forrepparttar 143340 purpose of either promoting an already established business i.e. to say a new venture or for starting up of a new business. Like map of a building made by an architect prior to its making demonstrates howrepparttar 143341 building will look like with all its rooms, lawns, lobby etc. similarly a business plan is a guide that presents allrepparttar 143342 details of a business- from money torepparttar 143343 amount of people involved, fromrepparttar 143344 flow of capital invested torepparttar 143345 money expected to be accrued inrepparttar 143346 form of profits, fromrepparttar 143347 predictable rate of growth torepparttar 143348 snags one can land into.

A business plan gives an entrepreneur a fair idea of how much investment is required, in what areas and how will it lead to benefits in his business. This in turn enables him to seek loans and finances fromrepparttar 143349 market. For once a business plan is made it becomes trouble-free forrepparttar 143350 individual to explain his idea (for example if he wants to launch a new product), its uniqueness andrepparttar 143351 material gains that follow from it. Such a plan well demonstratesrepparttar 143352 passage of money required to meet a horde targets that one seeks to achieve through his business. It is an easy guide that facilitates navigation to allrepparttar 143353 crucial aspects of a business like –repparttar 143354 significance and exclusiveness ofrepparttar 143355 idea (business),repparttar 143356 chosen native place for it, market planning,repparttar 143357 kind of consumers targeted and in what areas, approximate budget involved in promotion or growth ofrepparttar 143358 business,repparttar 143359 tentative dates to meetrepparttar 143360 targets,repparttar 143361 key areas and factors of escalation and last but notrepparttar 143362 leastrepparttar 143363 methodology adopted in this enhancement. All these therefore formrepparttar 143364 basic components of a business plan.

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