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Posts Tagged ‘Higher Education’

Plan for a Life Policy

Friday, December 17th, 2010

When it comes to personal investments, taking care of your family should be your first priority. Even in times of economic recession, perhaps even more so, a life policy is one of the last things you should consider cutting if you have one already. If you don’t, seek the help of a financial advisor if necessary to show you how you can adjust your budget to accommodate this type of insurance.

All those unnecessary entertainment, fast food and credit card expenses can easily be reduced and replaced with a life-policy investment – all it takes is foresight, planning and discipline. It’s one way of ensuring that your family will be taken care of in the instance of your untimely death. When you die, the policy pays out immediately to the beneficiary specified. If you’re married, it should be your spouse, and if you have children, who are still financially dependent on you, you can rest assured that they will all be able to continue to live in the manner to which they’ve been accustomed.

Request a quote online to determine how much cover you need. It is calculated according to your age and current situation, but you can work on R1 million’s worth of insurance to provide for R4 000 in monthly income for dependants. After your death, a successful claim will result in a cash payout that can be used at the beneficiary’s discretion, whether it’s to relieve them of outstanding debt or to pay off a home loan. A life policy can be purchased online by applicants between the ages of 20 and 65, without undergoing a medical examination. Premiums can be increased every year in line with inflation. You can also increase, decrease or cancel them at any time, without attracting penalties.

The Importance of Higher Education in Developing Countries

Monday, November 15th, 2010

Beyond any doubt education plays a pivotal role in the development an d progress of any country. In a developing country education gains even more importance.

The per capital income depends upon the state of economy which is directly proportional to the literacy rate in a country. The economy of a country mainly depends upon the able economists who formulate such economic policies which play an effective role in the progress of the country. And the fact remains that the able and competent economists are produced only if a country has a sound system of education. Besides, the failed economic systems will have its negative effects on all the other fields. The health care, industry, agriculture, defence, etc. Would remain weak.

We take up the example of health care first. The hospitals are the ultimate place for the indisposed. If country’s economy is weak, it would be difficult for the government or the private sector to set up more and more hospitals, enough to cater to the health care needs of the nation. And obviously, the physically weak or the ailing nation would not play any role in the development of its mother land. Hence education in a way is directly linked to health care.

Moreover, the health care itself depends upon education in the sense that able and competed doctors could only be produced if the country has evolved and effective and viable education system. A weak education system means incompetent doctors who get degrees in medicine and surgery through back doors. Such doctors would not be able to serve the ailing humanity because of their incompetence.

And, of course, education makes up the conscience and makes one realize that the social evils definitely eat into the vitals of a society. The illiterate or less educated society has the corruption rampant in various forms – bribery, jobbery, nepotism, etc. on the contrary; the educated people realize that the society cannot b reformed unless these social evils are eradicated from the society. And this realization comes only and only with the education.

A developing country needs education all the more to eradicate these evils because it yet to rank among the developed countries. If the society is breeding this evil, it would become extremely difficult to put the country on path to progress.

Lawlessness hinders the process of development as nobody feels secure and education helps over come lawlessness as the educated people realize that it the lawlessness from which most of the evils stem. Lawlessness means the oppressors are free to oppress the already wretched sections of the society who do not know where to go and whom to talk to in order to get justice. In a lawless society, the outlaws are always on the rampage which disturbed the smooth working in all the fields with the result that the process of development comes to us standstill. Education is the panacea which can wash this evil also

The education also makes one realize that a nation can come out of the vicious economic cycle only if hard work is up held. If developing nation had this realization, al the members of the society will work hard to put the country on path to progress which will ultimately take the country out of vicious circle in which almost all the developing countries are struck up.