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Help When Buying Life Insurance

Insurance helps to generate a desirable peace of mind. There are many other reasons why you should consider buying insurance. Sometimes, it is advisable to consider the combination of the term and/or whole life insurance benefits to help your family cater for their daily expenses, college education, medical bills, mortgage, funeral costs and much more. To get the best deal, it is advisable to compare free life insurance quotes from different insurance companies.

· Avoiding medically underwritten insurance

It may sound appealing to purchase insurance policies that do not require a medical examination. Many people do not want to visit their doctor only to discover they have one or more medical conditions that may require them to pay more for their insurance. However, a medical exam plays an important role in lowering the cost of insurance coverage. Although the no-medical exam policy is more convenient and readily available, you can expect to pay more to receive these conveniences. Therefore, if you are looking for an affordable policy over the long run, prepare for a medical exam.

· Adding young kids as primary beneficiaries

Although you have the option of leaving the insurance benefits to your young children, this is not necessarily a good idea. Emotionally immature young adults and children are not responsible to control effectively an important item such as life insurance benefits. It is advisable to consider making your children’s guardians the primary beneficiary, but do not forget to add more contingent beneficiaries who can be trusted enough with the money.

· Failing to review your application

Although it is important to rely on the advice of insurance agents or brokers, you must be careful to avoid allowing anybody to submit your insurance application before reviewing it. It is possible for the agent to check incorrect answers resulting in you providing false information. False information could result in your beneficiaries failing to receive the payout at the point of making claims in the future.

State of Tuition Free Universities in Europe for International Students

Though countries like Sweden, Norway, Finland, Denmark etc offered tuition free universities for international students in the past, the question is, “What is the current status of tuition free universities for international students?” “Are there still higher institutions out there offering free education for international students from developing countries?” Lets answer this question here.


Sweden used to be one of the few countries in Europe that do not charge fees for both domestic and international students. All students-regardless of nationality-have been funded by Swedish taxpayers. However since 2011, the Swedish parliament passed a law to introduce tuition and application fees for students not from an EU/EEA country or Switzerland starting from the following academic year, which has already taken effect. This fee however is supplemented by scholarship programs in Sweden


In Finland, while some universities charge tuition fees for international students, others are tuition free. For instance, at the moment there is no tuition fees for foreign and domestic students at the University of Eastern Finland, but the students must be able to cover all his/her own living costs in Finland (minimum of 500 Euros per month for a single student). At Aalto University, most programmes will charge a tuition fee of 8000 EUR/academic year from non-EU/EEA-citizens (international students). However, the University offers the Aalto University scholarships for non-EU/EEA-citizens to study in the University.


Currently, tuition is free for undergraduate, MSc and MA studies for EU/EEA students as well as for students participating in an exchange program in Universities in Denmark. However, this is not the case for international students or students from developing countries. As far back as 2006, a tuition fee system was introduced for international full degree students outside the EU-European Union- and EEA-European Economic Area- countries.

Scholarships and tuition fee waivers for international students, however, are available from Institutions and government (the Danish Ministry of Education scholarship fund) for master’s degrees.


In the past, Germany didn’t generally charge tuition fees. But this has changed. Some federal states are charging fees, others are about to abolish them. You’ll have to contact the University of your Choice to find out whether it charges tuition fees. Initially, fees were introduced for long-term students, visiting students (i.e. from other universities) and for participants of postgraduate and Master’s programmes. Now, however, some federal states also charge tuition fees of around 500 Euros per semester for first degree (undergraduate) courses, such as Bachelor’s, Diploma, or Magister programmes. Most Master’s programmes charge tuition fees. Tuition can amount to between 650 and several thousand Euros per semester.


Foreign students are admitted to universities and other institutions of higher education in Norway mainly through international programs and bilateral agreements with comparable institutions abroad.

As at the time of writing this, No tuition fees are charged at any of the Norwegian universities, except special programs and private and specialized schools. At all public institutions in Norway, higher education is free for international students as well as for Norwegian nationals.

This means that, at present, Norway will be the only country in Scandinavia where higher education is still free for all (well in Finland, there is a mix of free universities and paid ones).

While some parties believe that education will continue to remain free in Norway, there is still uncertainty as to what could happen in the near future.

Finding Online University Course

Many people further their education for different purposes. For some, it is to fulfill a dream; others may want it for better job prospects and yet for others, it is just to widen knowledge in a certain field. I too have always been thinking of going for one, and preferably an online course. My reason? To get out of my current industry that seems to be going nowhere. I am not certain I’ll continue to be in demand, meaning I may not get a job.

With so many university courses available, online or not and the uncertainty of it meeting my purpose of better job prospects hinders my steps. What if I graduate couple years later to find the market saturated? I don’t want to spend all that time and money and find myself exactly at where it all begins. I must be sure that my investment can give the return I desire – make more money.

Then I thought, doesn’t it boil down to one purpose? I want more money. Yes, I want to study so that I know more things but I am not filthy rich. I don’t have that luxury. Doesn’t it then make good sense that finding an online university that teaches people how to earn money should be at the top of the list? If this does not convince you, here’s more.

1. The cost is much lower.

Courses in the full-fledge universities easily cost you thousands and even more if you decide to travel overseas but these type of online courses even begin with free information and resources. You don’t have to pay hundreds or thousands for the first payment.

2. The duration is much shorter.

They are very direct and provide training that meets the purpose within weeks or months. There is no obligation and you can quit the course anytime you wish.

3. Personal coaching.

Have you ever wished that your professor or lecturer is able to work with you at a more personal level and offers support whenever you need? This is an important aspect of these courses. They provide 1-to-1 support and coaching and you can feel at ease that you will get help as and when you need.

4. University courses do not guarantee steady job and more income.

A paper does not necessarily bring a steady job and income during this volatile age. Many friends have upgraded themselves spending thousands, sacrificed their time with family but their salary has not increased a single cent from that extra paper. Since there is no guarantee, it is wise to take a bet on something that cost lesser, both in time and cost.

However, just as how you need to study hard in order to get flying results for a course, so you must too. You must not think that they are simple and can be achieved easily. Even for a genius, 99% of it is hard work.

Mold a Degree From Thousands of Free College Courses

Shagging a college degree using a home school approach seems an impossible dream after high school. When home school kids become college eligible they have to enter the institutional environment of so-called traditional colleges to acquire a degree. However, things have changed. Traditional college and even online colleges are no longer the only alternative paths to a college or graduate degree. College bound students and adults reentering college to improve job skills can now pound out a reasonable homes school approach to their college education.

Exploding communications technology and the generous contributions from colleges and universities to the reservoir of courses available to the public for free is making it possible. We are now able to patch together our own college degree programs. We can do it on our own without an academic counselor, institution, or a bureaucrat telling us what we can or cannot do in seeking higher academic pursuits. This 21st century phenomenal opportunity is available to us whether or not we have earned our high school wings through home schooling or traditional means.

If we can teach and mentor our kids through home school K-12 curriculum if we choose in all 50 states, why can’t we do that for our kids and ourselves when it comes to college? Why can’t we acquire credit for our home schooled self-taught university courses from 100% accredited colleges and be awarded a degree – all for little or no cost? Can we, in fact, promote a college degree and follow up with a graduate degree? Yes, we can.

The self-designed home school college program can target fields from Astronomy to Zoology and more. Just by documenting practical experience and writing down what we know, what we do, and how we do it demonstrates what has been learned along the way. Taking any one of the growing list of free college courses with everything available at no immediate cost opens a treasure chest of opportunity. This combination will stand shoulder to shoulder with any traditional college grad, who enrolled in the college offering the free course and paid for the credit. The courses offered are complete in every way except for providing the college credit because the courses are offered free.

Degree program modules come from MIT, Harvard, Stanford, Yale, Penn State, Michigan State and dozens of other well-known prestigious schools that offer the courses free to the public. Some of the finest experts in their respective fields of study teach these that are offered free by their universities.

Are there accredited schools in the world that will take our bundled free courses and accredit them for us? There are 17,000 universities around the globe that are accredited in one official jurisdiction or another. Surely there are more than a few that will accommodate the new paradigm of a home school college degree. There is indeed a university out there that will give college credit for completed work regardless of the source so long as it is officially recognized as legitimate learning. The free college courses are all found with a brief concentrated search online to identify the courses to design and fulfill a complete degree program.