GCU Master of Public Health Scholarship for International Students in UK, 2019-2020

spring scenes on West Campus
students on academic quad with Perkins Library in background

The Glasgow Caledonian University is awarding Master of Public Health Scholarship commencing in January 2019. Scholarships are available for International students.

Glasgow Caledonian University is a distinctive, inclusive and forward-looking university that is committed to its social mission to promote the common good. We have become an international centre of excellence in higher education, promoting employability and global citizenship in our graduates. We win awards for our support and commitment to the student experience, whilst delivering innovation through our world-class research in key areas of strength.

Apply For Fully-Funded Scholarships for Doctoral Study at Swansea University in UK, 2019

The Swansea University is pleased to offer up to sixteen fully funded scholarships for a full-time doctoral study on a Swansea University single award degree, commencing in October 2019, supported by its flagship Swansea University Research Excellence Scholarships Scheme (SURES).

The Swansea University Research Excellence Scholarships include fees at Home/EU rate and a maintenance stipend at UKRI rates, each for a maximum period of three years.

The award of a scholarship is conditional upon the recipient achieving either a first class honours degree and/or a distinction at Masters’ level. All applications must include a structured research proposal for the chosen project. Applications submitted without a research proposal will not be considered.

Trump’s new plan for health insurance and how it affects you

Much has been said about the latest in the healthcare sector. Trump Administration plan signed an executive order on health care, to cause momentum to change with the Affordable Care Act. Taking this action increases healthcare choices for millions of Americans. Having alternatives to Obamacare plans will help make things more affordable. How does that impact you?

Here are some key takeaways from the newest version of the American Health Care Act (AHCA), also referred to as Trumpcare.

Pre-existing conditions

Technically, people with pre-existing conditions may not be barred from obtaining insurance coverage under the AHCA. However, their coverage options could be seriously affected by this bill. States would be permitted to apply for waivers to exempt insurance companies from a community rating provision and allow them to charge far higher premiums for people with pre-existing conditions.

The community rating provision is a way of setting premiums and is designed to ensure risk is spread evenly across a larger pool. This means that people are charged the same rate regardless of factors like health status.

Healthcare mandate

The Trumpcare bill does away with the mandate under the ACA that requires people have health insurance or pay a fine. Under the new bill, people who go 60 days without health coverage would be penalized if they rejoin a health plan; they would face a 30 percent penalty on their insurance policy for one year.

Essential health benefits

Under the ACA, specific essential health benefits – including maternal care, prescription coverage, and mental health care -must be a part of any insurance plan. Under the new Trumpcare bill, states could apply for a waiver to exempt insurance plans from including these benefits in their plans.

To qualify, the states would need to prove they could either lower the cost of healthcare for people or increase the number of people covered by insurance. Health experts say that if this provision is enacted, costs for people in need of specific essential health benefits will likely face higher premiums because insurance companies will assume that a person who signs up for a plan with maternal care or prescription benefits will be likely to use those benefits.

Tax credit changes

Under the new bill, qualifications for tax credits to help pay for health insurance would change significantly.

While the ACA offers a scale of credits that take into account family income, cost of insurance and age, the Trumpcare plan would provide flat tax credits per individual, focused on age. The House GOP bill would provide tax credits of $2,000 to $14,000 a year for individuals who don’t get insurance coverage from an employer or the government. The credits would be based on age instead of income and would be capped for higher earners.

People who are older, are lower-income or live in areas with high insurance premiums would likely receive smaller tax credits under the new bill than they do under the ACA. Those who are younger, have higher incomes or live in areas with lower insurance premiums would likely receive more government assistance than they currently do, according to the Kaiser Family Foundation.

Older adults vs. younger adults

Under the ACA, insurance companies may charge an older person no more than three times its premium for a younger person with an identical plan. The new bill would increase the maximum allowable ratio to 5 to 1, which could significantly increase older people’s premiums for comparable plans. States would be able to set different maximum ratios.

Instability in the market makes insurers more likely to raise rates for everyone – so you can probably expect insurance premiums to take a bigger bite out of your paycheck

Which Cars Have The Cheapest Insurance Rates?

Many people go out and choose a car to buy based solely on a handful of factors, such as the way it looks, safety ratings, engine power, handling, and perceived quality, and of course, price. However, a handful of cost-conscious and prudent buyers think even a bit further ahead, considering such factors as maintenance costs and the cost of car insurance.

One way to figure out the cost of insurance for each car model you are considering buying is to simply call up your insurance agent and rattle off your list of models. However, that is time-consuming, and it also means you have to keep going back to ask for more information if you get new car model ideas later.

A better way to shop for a car while keeping future insurance premiums in mind is to understand the factors that go into how insurance companies compute premiums based upon differences in car models.

If you are looking for the car models with the cheapest insurance rate, learn about these five factors that influence car insurance rates:

1. Lower cost equals low insurance premium:

Start by understanding this simple rule: cars that cost less to buy also tend to cost less to insure. So, while the price of the model you are considering will affect how much you pay for monthly auto payments, it will also affect the amount you pay in insurance.

2. The degree of car-driving pleasure:

Your insurance premiums will also be kept as low as possible if you find a car that is not known for being fun to drive. The more that the car is built to be fun to drive, the higher the rates. Sound like a cruel insurance industry trick? This rule of thumb actually has some very sensible underpinnings. Cars with more horsepower and sport-tuned suspension are going to be driven harder and more dangerously, on average. Think of the danger factor in mini-van vs. Porsche.

3. Profile of the average person who drives that car:

Insurance companies keep tabs on profiles of what the average driver of each given model is like. They base their rates in part on this profile. What drives up costs are profiles with factors like the tendency for driving during peak commuting hours, driving at night, and driving aggressively.

4. A car that ranks in terms of auto thefts:

Quite simply, cars that get stolen more often are more costly to insure. This makes sense, of course: the insurance company anticipates that there is a higher likelihood that your car will get stolen if you buy a frequently-stolen model. This means bigger dollar signs for your premiums.

5. Safety record and features:

Cars with a better safety record and which are equipped with more safety features naturally pose lower medical bill-related claims risks and, this will translate to a lower auto insurance premium for you to pay.

Keep these five factors in mind as you look for the car with the cheapest insurance rate for teens

Best Mesothelioma Attorneys in Houston, Texas

Most of the workers in the construction and industrial field in Houston are not aware of the compensation they can get if they are diagnosed with mesothelioma. Mesothelioma attorneys in Houston are especially skilled people who can help you obtain the right compensation to cover the medical and other expenses incurred during your sickness.

Mesothelioma is one type of cancer that is directly associated with asbestos exposure. Studies show that nearly 90% of people who had been gravely exposed to asbestos develop mesothelioma. Asbestos is commonly used in building houses and other infrastructures. Its popularity was brought about by its high resistance to fire.

However, its dust particles, when inhaled into the lungs, stick like a magnet and cannot be removed easily. As the fibers stay in the lungs, respiratory complications develop. Eventually, cells affected by these dust particles develop carcinogens or cancer cells.

The term mesothelioma is named after the affected area in the lungs, which is the mesothelium. This protective sheet covers the vital organs of the body. It is located at the exterior portion of the lungs, and the chest cavity called pleura. When the glass-like particles of the asbestos stick to the mesothelium, cancer cells develop and propagate. And even after the exposure has been stopped, the development of mesothelioma continues. For this reason, employees who had been exposed to asbestos during their tenure in their work are eligible for compensation. But not all patients can avail of such benefits, not unless they hire a good lawyer. Mesothelioma attorneys in Houston are capable of providing you with the best legal services you need. They are skilled professionals who can offer you support and explain to you everything you need to get the compensation you deserve.

Most Houston residents are not aware that exposure to asbestos leading to mesothelioma gives them legal rights to file a lawsuit against their employer. Basically, it is the employer that is responsible for the health and safety of their employees. The law states that the employer should at least provide feasible protection against such exposure. If it is really the nature of the job, companies should provide proper gear or clothing that will help prevent asbestos inhalation.

With the help of your mesothelioma attorney in Houston, you have the full privilege to file a lawsuit and ask for due compensation. Mesothelioma compensation entails the amount needed to reimburse medical bills, loss ofjob, and the employee’s inability to provide a quality life for his family because of the disease.

Best Mesothelioma Attorneyin Houston, Texas

Choosing a lawyer is a personal choice; it is best that you know whom you will be working with so you can easily relate to whatever advice he or she will give you.

Following are best Mesothelioma Attorney in Houston, Texas.

1. Gori Julian & Associates, P.C.
2. Simmons Hanly Conroy
3. Sokolove Law, LLC
4. Kelley & Ferraro, LLP
5. Shrader & Associates, L.L.P

The bottom line is that a good Mesothelioma attorney in Houston must be someone who can notably provide you the right legal services you need to get your compensation without having to pay more.

Next Read: Which Cars Have The Cheapest Insurance Rates? »

Alejandro Rioja (The Insurance Nerd) :Alejandro Rioja (UCLA '17) aka. "The Insurance Nerd" is a serial entrepreneur who founded Flux Ventures, a holdings company that owns: 1) Flux Chargers, the top rated and best selling power bank in over 90 countries, with a #1 worldwide rank by Mashable, Engadget, and Digital Trends; 2) Flux.LA, a software and marketing consulting firm that will get your site at the top of Google; 3) Flux Capital, an investment firm and 4) Young Slacker Media, a series of popular websites (like FutureSharks, The Insurance Nerd, and MajorKeys) and a very profitable snapchat channel @youngslacker. Feel free to reach out if you have any questions!

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Top Auto Insurance Companies in Troy, Michigan

Many companies say they are among the best Michigan auto insurance companies, but there are only a few that actually are. Even when you are looking at getting a policy from a big name company, it helps to do a little research and find out as much as you can about the company you are planning to do business with.

When it comes to auto insurance rates, Michigan has the most expensive premiums in the United States. That’s why you should do your homework to get the best rate possible. By comparing multiple quotes and policies, you will find the most affordable premium and save hundreds of dollars each year. The cost of Troy auto insurance can vary depending on several factors. Your driving record, your age and even the kind of car you drive will all be considered in your Troy car insurance premium.

Cost of Car Insurance in Michigan

• National Average Cost Per Year: $1,311
• Michigan Average Cost Per Year: $2,476
• #1 Most Expensive Auto Premium in the U.S.

This review of the best Michigan auto insurance companies should help you make an informed choice.

Top Car Insurers in Troy, MI

1. Allstate Insurance is one of the leading auto insurers in the nation. This company is rated an A+ in financial stability according to A.M. Best, one of the top independent insurance rating companies. This indicates that the company is financially stable and can meet its present and future financial obligations.
2. AF Mutual Auto is rated an A++ by A.M. Best, indicating that it is extremely financially stable.
3. Liberty Mutual Fire Insurance received an A rating from A.M. Best. This is still a perfect indicator of financial stability.
4. Farm Bureau received an A- as a financial strength rating, which is nonetheless a very good indicator of financial strength also.
5. Auto Club Group
6. Progressive
7. Auto-Owners Insurance Co

These are some of the top auto insurance companies among drivers in Troy, Michigan. You’ll probably have heard of most of them, but don’t forget that popular doesn’t always mean best. It sometimes just means a big advertising budget.

If you ask your friends and family for car insurance recommendations, they’ll probably mention some of these names. It’s definitely worth contacting them for a quote, but remember that the best rates are often hidden, so cast your net as widely as you can.

Choosing the Best Car Insurance in Michigan

When choosing an auto insurance provider, take price into account, but also looks at key factors such as reputation, customer service, and claims process.

Now that you have the inside scoop on some of the best Michigan auto insurance companies, you are ready to start shopping around for prices. With premiums in the state being so high, you may just want to find the cheapest provider, but it’s worth it in the long run to find an insurer that can give you the best package and that understands the needs of Michigan drivers.

The easiest and most efficient way to get the quotes you need is to use a free online car insurance quote tool. Fill in your information once in the online form, and you will be provided with a variety of top MI car insurance company quotes.

4 Tips to Apply for College Grants

7 Tips to Apply for College Grants

So you’ve chosen the college you want to go to and now have to find out how to fund your education. There are many philanthropic organizations that want to make it easy for deserving students to get the education they want. Your own government may offer scholarships to you as well.

Note that not every college grant may be the best for you. One grant may cover just the tuition while another may cover a part of the tuition. Yet others can cover all your travel, health and living expenses as well. You have to look for a scholarship based on your needs.

Review

Also, there may be a grant you really want and need but don’t get because you messed up in the application process. There are many ways you could knowingly or unwittingly mess up your college grant application.

I’m here to help you avoid some of the common college grant application errors with some advice. There are also things you can do better to find the right grant for you.

1. Look in unusual places

You may not realize that your interests and hobbies – extracurricular activities that you’re good at – could help you pay for college. Many college opportunities are extended to students who are gamers, great at crafting, good at gardening, avid trekkers, and more.

I’ve known students who made it to college because they were interested in fencing, birdwatching, and even crosswords! While opportunities are usually merit-based, grants are need-based. So keep this in mind and search for hobby-based college grants near you.

2. Apply early and as often as you can

Many students aren’t sure at what stage during the college application process they can begin to apply for grants. The answer is, you can do so as early as a year before college begins. You don’t even have to wait until you’ve made up your mind about which college to finally apply to.

If you don’t start thinking about your college grants early enough, you could end up missing some deadlines. You don’t want to narrow down the choices available to you. If you’ve made up your mind to go to college, start looking into grants right now.

Also, don’t worry too much if you’ve missed some deadlines. There are many grants out there, all with various deadlines. Some deadlines are typically in January or February, into the Spring semester. Others may be in August or later, before the Fall semester.

3. Don’t ignore the smaller scholarships

When you’re paying for something as expensive as education, any little help you can get counts. Don’t ignore smaller scholarships that pay $500 or less. These could go towards your supplies and textbooks.

There’s no rule that says you have to make do with only one scholarship. You could be restricted to only one per scholarship administrator. But you can fund your education with a bouquet of smaller scholarships won from various administrators. Of course, you can apply for more than one grant too.

4. Be honest about yourself

Always present your qualifications, grades, and memberships exactly as they are, without any exaggeration. Grant admins are more likely to award you the funds you need if you apply for the ones that fit well with your skills and interests.

Also, be honest in your grant essay. Not all grant administrators require an essay, but many do. When you apply for your college grant, you’ll probably be asked to write a few hundred words about your college goals and why you think you deserve the grant. Be honest here too

Shocking! Nigerian man caught on tape flogging a slay queen while chasing her out of his apartment

The Internet has come across a shocking video of a man who was captured flogging a woman.

It was gathered that the man had reportedly embarrassed the lady by flogging her to chase her out of his house.

The young lady who was seen fleeing as the man flogged her repeatedly was said to have visited the man in his apartment.

According to reports by his friends, the man had invited the lady who left him when he had no money for the purpose of embarrassing her.

It was gathered that she had left him when he was not financially stable and allegedly gave him more attention after things became better for him.

A caption in the viral video narrated the man’s intentions. In the caption, the man vowed to do embarrass every lady that neglected him when he had nothing if they come back to him now that he has money.

It said: “This is what I will do to you ladies that neglected me when I did not have money, you later see say boy don hama you won con chop for ther awon oloriburuku oloshi.”

Most Nigerian Beautiful Girls Are Walking Corpse Due To Yahoo Boys” – Broadcaster

A Nigerian broadcaster, Bricks Manuel has said most beautiful girls are walking corpses due two worldly things from yahoo boys. The broadcaster made this known on his Twitter page, as he shared a picture of himself looking deep in thought.

Bricks Manuel said he is in search for a wife, but needs guidance because most beautiful girls are walking corpses.
He wrote; I’AM LOST IN MY THOUGHT

I want a wife bt d luck & God’s direction 2 getting a good wife is what am lost in! I want a very beautiful tall,slim girl 4 a wife bt most beautiful girls in town are walking corpse due 2 wordly things 4m YAHOO BOYS

According to a Facebook user with FB name Clara Wayne, the late Osun slay queen was recently allegedly used/killed by a Gboy called “Ibitoye Akolade Kmoney”. Here is what the yahoo boy posted in December about the late Slay Queen.

And the death of the Slayqueen really came up in 2018…. Here is what Clara Wayne posted..

What are your thoughts on this? Leave a comment

Senator Adeleke's daughter, Folashade, reveals the shocking thing her father said after she became pregnant the 2nd time out of wedlock

Folashade Adeleke, the 27-year old daughter of Senator Adeleke has just shared quite an interesting story about herself.Folazfab as she's fondly called already has a son named 'Kobe' out of wedlock back when she was a teenager, and now she's pregnant with her second child with her new boyfriend. 

According to her, when her dad, Senator Adeleke found out she was pregnant again, 'he called me and basically told me how my life was going to be over and how I'm not married and this is my second child. It really discouraged me because me being a christian, I knew I wasn't ready for an abortion because I;m not killing my child' she said. Watch her speak about the experience below...     View this post on Instagram         Senator Adeleke's daughter, Folashade, reveals the shocking thing her father said after she became pregnant the 2nd time out of wedlockA post shared by LIB - Linda Ikeji Blog (@lindaikejiblog) on Jan 3, 2019 at 3:38am PSTThe post appeared first on Linda Ikeji Blog.

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