Monday 29 August 2016

Preview: Nigeria vs Denmark (Rio Olympics)


Nigeria will face Denmark in the quarter final of the Rio Olympics men’s football event in Salvador today, August 13, but they may be without their star player Oghenekaro Etebo. This follows report that the attacking midfielder may not be in action against the Scandinavians due to a hamstring injury he sustained



 against Colombia in the team’s last outing. A scan on Thursday, August 11, confirmed that Etebo has torn a muscle and may miss today’s game and the rest of the tournament should Nigeria make it into the next round. Many had questioned Siasia’s decision to play the CD Feirense player in the match versus Colombia as the team’s had secured top spot in Group B, but the 42-year-old will be looking to put smiles back on the faces of Nigerians when his team come up against Denmark tonight. The match at Fonte Nova Arena is the second meeting between the teams in the space of two months. Emil Larsen netted three times to ensure Denmark thumped Nigeria 6-2 in the Suwon tournament in South Korea in June. However, Samson Siasia will hope that John Mikel Obi’s leadership will guide the team to victory against Denmark despite not having any advantage over the Danes. www.e-zone.us  you live coverage of this game. Kick-off time is 8pm (Nigerian Time)

The New Retirement: 3 Things to Think About Now (Insurance Forex)


If you think your retirement is going to look like your parents’ or grandparents’ retirement, think again. Here are three things you should be considering:


1. The Bank of Mom and Dad won’t always be open. There are two sides to this. If you’re currently supporting your adult children, you’re not alone. According to a BMO Wealth Institute study, 81% of parents say they have provided their adult children with some financial support. However, you’ll want to evaluate if that’s possible to sustain in the long-term. Ask yourself: Will helping my adult child (buy a house, afford a vacation, transition to a new job …) put my own financial future in jeopardy?
If you answer, “No, it won’t harm my financial well-being” then it’s OK to continue your support, as long as you have the assets to back it up and your financial position doesn’t deteriorate in the future. But if you realize that continuing to support your children means financial sacrifices on your part and lowering your own standard of living, then you need to have a frank conversation with them. I’d also like to suggest that financially supporting your adult children long term sends the message that you really don’t have confidence in them.
Now, the other side of this. If you are on the receiving end of money from your parents, just know that the escalating costs of health care in retirement, market volatility and other factors, may shut down your parents’ largesse, or potentially wipe out any inheritance they might have liked to pass along, whether you or they like it or not. Fewer than half of the BMO study respondents said they would sacrifice their own financial well-being to financially support their children. Bottom line: Relying on your parents is not a solid financial plan.
2. Health care costs are going to be a major factor in retirement. This year the premiums for Medicare went up significantly, while Social Security benefits went down for anyone who is making more than a specific, although limited, amount of money. I’ve found that most people have not planned for the rapidly escalating cost of medical care in retirement. A person’s future medical expenses are going to be the great unknown. But here is a figure that can help you put things into perspective. Fidelity’s Retirement Health Care Cost Estimate shows that a couple, both aged 65 and retiring this year, can now expect to spend an estimated $245,000 on health care throughout retirement. Are you prepared for this?
3. You may—or may not—need life insurance. If you have enough assets, and are not looking to replace them if you or your spouse or partner were to die, you may not need as much life insurance as you once had. But when looking at the direction of the economy, you’ll need to ask yourself, “If something happens to me, will my spouse or partner have to change their lifestyle due to insufficient assets?” If so, keeping your life insurance may make sense. Think of it this way: by having the life insurance it puts you in the position of “being the bank” instead of “having to go to the bank” when the need for money arises.
Source

4 Financial Tips to Keep Your Family Safe (Money Education)


It’s tough to get our financial house in order, not because it’s especially hard, but because it’s … boring? Tedious? The last thing we want to spend time on? To remedy that, here are four tips that you can take on and accomplish:


1. Make sure you have life insurance—or enough of it. Do you really need life insurance? Well, answer this question to find out: Would your loved ones suffer financial if something happened to you? If the answer is yes, you need life insurance. Then comes the question, how much? There are a number of factors that go into calculating how much life insurance you might need. But it doesn’t have to be difficult. Instead, use this online Life Insurance Needs Calculator, and in just a couple of minutes you can have a working idea of the amount you need. If you already have life insurance, why not use this calculator to make sure you have enough!
And don’t let cost—or actually perceived cost—stop you from getting coverage. Did you know that 80% of people overestimate how much life insurance costs? And those under 25 think it’s four times more expensive than it actually is. Let’s frame it this way, say you’re 30 and in good health, a 20-year level term life insurance policy with $250,000 of coverage may cost around $13 a month. That’s the equivalent of a few Starbucks drive-through lattes. Here are a number of ways you can get coverage or search for an agent if you don’t have one.
Would you like to your ex-spouse to get your life insurance if something were to happen to you because you forgot to change the beneficiary on your policy?
2. Review your life insurance beneficiaries. Would you like your ex-spouse to get your life insurance if something were to happen to you because you forgot to change the beneficiary on your policy? Would you like the money to get tied up in court because you named your minor children as the beneficiaries? These are missteps that happen more than you think. Add to that the fact that people may have more than one policy—for example one through the workplace (a group policy) and one that they bought individually.
This is exactly the type of thing that a life insurance agent or advisor can help you with. And it won’t cost you anything to talk to them about it. Plus, if you’ve gone through tip #1, they can double check that the amount of coverage you came up with meets you needs. Also, it’s honestly a lot less hassle to have someone who knows what they’re doing help you out, and isn’t that what we’re trying to achieve here—get it done?
3. Don’t skip disability insurance. Many people aren’t really familiar with what disability insurance is and what it does. Basically, it replaces a portion of your income if you’re unable to work due to a disabling illness or injury. Why is that important? Think about how long you could make ends meet—pay rent or the mortgage and all your monthly bills if your paycheck suddenly disappeared. A Life Happens survey found that a majority of those who work wouldn’t make it more than a month before they’d have to make some serious financial sacrifices. Again, an online calculator can help; get started with this Disability Insurance Needs Calculator.
So, how do you get it? Your employer may offer disability insurance coverage through a group plan. If you’re not sure, contact your HR department or benefits manager to find out what kind of coverage you have (if any). If you don’t have coverage or need more than is offered through work, buying your own disability insurance policy is worth considering. Unlike group coverage, privately owned insurance stays with you even when you change jobs.
Also keep in mind that most people overestimate what the government will pay or cover if something were to happen. According to the National Safety Council, 73% of long-term disabilities are a result of an injury or illness that is not work-related and therefore wouldn’t qualify for Workers’ Compensation. And if you were hoping for Social Security disability benefits, know that about 45% of those who apply are initially denied, and those who are approved receive an average monthly benefit of around $1,100, which would leave you living at about the poverty level.
4. Automate your emergency fund. While not as fundamentally critical as the above tips, this will probably have the most impact on your day-to-day life. Everyone one of us runs into unexpected events that are costly—a major car repair, a leak in the roof, a job loss … the list, as you know, can seem endless. To give yourself peace of mind and bit of cushion, set aside a certain amount each month—it could be $50 or $500, depending on your financial situation—and have it automatically deposited into your savings account. If it’s easier to track, you could even keep it in a separate account. Then it becomes a no-brainer, because that money isn’t there for you to spend. In a year, if you chose one of the above amounts, you could have $600 or $6,000 stashed away!
These tips will set you on the path of ensuring that if the unforeseen happens, you and your family will be OK financially. And what’s worth more than your peace of mind?

Lifestyle University survey reveals UK students’ financial concerns (School Education)


Almost half of students in the UK find day-to-day finances a source of stress, according to a student lifestyle survey published today by Times Higher Education.



Even though 85 per cent of students were broadly satisfied with their quality of life at university, the proportion of students worrying about daily money troubles has increased by 6 per cent since last year, now up to 48 per cent.
One reason for this is the rise in rental costs. Ten years ago, only 10 per cent of students paid more than £400 per month for accommodation, compared with 30 per cent today.
Source:
The Sodexo University Lifestyle Survey 2016
Perhaps unsurprisingly, 28 per cent of students report spending no money at all on their social life – double the 14 per cent who said so just three years ago.
Despite this frugality, there has been a significant increase in how much debt students expect to graduate with, and also in the number of students saying that their expected level of debt is unacceptable given their future career prospects.
Twenty-nine per cent estimate that they will carry more than £40,000 of debt with them upon graduation, but the most dramatic change sees 66 per cent of students anticipate more than £20,000 of debt – double the proportion in 2012, before £9,000 tuition fees were introduced.
Source: 
The Sodexo University Lifestyle Survey 2016
The mounting debt also seems to be affecting student priorities and motivations. Only 21 per cent of students named “a good social life” as an important factor in their decision to go to university – the lowest number ever since the survey launched in 2004.
Considering the abolition of student maintenance grants from September 2016, 21 per cent of current students said that they would have delayed going to university in order to work and save money, and, even more worryingly, 18 per cent said that they would have decided not to go to university at all.
However, students also rely on other main sources of financial support: maintenance loans (75 per cent of students), tuition fee loans (62 per cent) and “the Bank of Mum and Dad” (49 per cent).
Zain Rizvi, a third-year student at Cass Business School, City University London, said: “The high cost of university definitely didn’t deter me, but I’m conscious that my loans will have to be paid back eventually.”
Source:
The Sodexo University Lifestyle Survey 2016
In one key respect, students are surprisingly satisfied; just under 60 per cent of students across all subjects said that they were happy with the number of contact hours they have with their teachers, and only 34 per cent said that they did not have enough lessons.
But the question is still open as to whether university in the UK is worth the money. The same proportion (53 per cent) felt that their university did not offer value for money as felt that it was worth the cost when considering long-term career benefits.

Check Out 10 thoughts academics have about their students: THE University Workplace Survey 2016 (School & Lawyer)


Despite the hours students and their lecturers spend together, there’s a disparity in how much each knows about what the other thinks.

Students have their chance to formally evaluate classes, just in case their feelings weren’t flashing across their faces throughout the lectures. But, coursework grades aside, students don’t tend to have access to the inner thoughts of their university teachers.

The Times Higher Education University Workplace Survey 2016 provides greater access to what academics really think about their students.
Clusters of comments around particular themes reveal some clear trends in how UK academics view their students, undergraduate degrees and the university experience.
Ultimately, it’s a mixed bag of attitudes. So here are the surprising, and unsurprising, comments that academics have made about their students this year. 

1. A good degree isn’t what it used to be

“The degree classification has been devalued in the drive for more firsts.”
This time it’s not your parents telling you how much harder “O levels” were in their day, but academics with legitimate concerns about grade inflation and the pressure from above to dish out marks that have little, if nothing, to do with real achievement.
Of all academics surveyed, almost half said that the pressure to give students better marks has increased, and only 30 per cent disagreed – the other 21 per cent took a middle ground.
One respondent explained: “We are told to meet a target of an 85% pass rate routinely, irrespective of student performance / ability; we are not teaching at anything like university level.”
Another explicitly compared the current quality of a degree result to what it would have been 10 years ago:
“It seems the University is constantly looking for ways that students can obtain higher classifications, based on lower results.  What ten years ago would have been a 2:2 is getting nearer and nearer to soon becoming a 1st.”
In total, 26 different academics freely expressed similar concerns when asked an open question about their general thoughts.

2. Admissions criteria are pretty low

“It does not make me proud to work in an institution where very many students lack literacy and numeracy skills and have little regard for learning.”
That was one of the most forlorn comments submitted, beaten only by one person who, complaining about the low standards of the students they have to teach, said: “I feel ashamed even to tell my friends what I do for a living. I feel I am failing Britain and society in general…”
Slightly more than 50 per cent of the academics said that their university had compromised on student quality to increase or preserve the numbers of students at the university. And the concerns were not just about general academic ability, but also that students were not independent enough to learn at university:
“The students that tend to be recruited…require a great deal of support. In a previous era, they would not have attended university.”
While 42.3 per cent of academics said that international students did read and write English at an adequate level, a significant number of comments showed an alternative perspective:
“Our international office demands that we accept any international students (regardless of intellectual capacity, academic qualifications or English language).”
One respondent simply commented: “The standard of English by some International Students is very, very poor.”

3. But students are vital to academics’ happiness

“Students are the only respite from a miserable, bullying and uncertain workplace.”
The biggest surprise was the overwhelming number of comments – more than a quarter of all submitted – saying exactly the same thing: that students are one of the only positives of an otherwise miserable experience. Not exactly heart-warming, but it is certainly important to know that, as a student, you might be responsible for lifting the spirits of a struggling academic.
“My place of work is only tolerable because I work in a Faculty that attracts – for the most part – students who are keen to take part and engage in learning, and are equipped to do so,” one academic wrote.
Another said more succinctly: “It’s the students and immediate colleagues which keep me going.”
In total, 77.3 per cent of the academics surveyed either agreed or strongly agreed that their teaching is a source of satisfaction to them.
Which goes to show that, in spite of concerns about the quality of students and the value of degree results, academics still count teaching as one of the primary joys of the job.

4. In fact, student success is very inspiring

“The fact we have students coming from very different experiences and backgrounds, and mature students especially, [is] a great source of inspiration to me.”
It’s not the mere act of teaching that inspires academics, but rather, seeing the impact it makes on their students. And this is even more powerful for those working with students from diverse backgrounds and levels of ability.
An academic commented: “I am motivated by working in an institution with a high number of low-income and WP [widening participation] students, and seeing the real differences that university education makes to their future.”
While another said: “I also thoroughly enjoy seeing students develop in confidence and thrive even though they may not have achieved at the highest level prior to entering our courses.”
Some academics may feel like they are “failing society”, but others clearly have not lost sight of the real difference their work is making to students.

5. Yet some academics think students are too much of a priority

From some perspectives, it does seem like university life completely revolves around the students. But, of course, there’s a lot more to a university, and prioritising different needs is often a delicate balancing act.
For some academics, this balance is totally out of whack, with students getting far more than their due.
One academic felt the balance needed to entirely flip: “Staff should have priority over students for parking spaces and childcare, not the other way round,” they said.
But another simply worried that their needs were getting overlooked, writing: “In the last few years I have noticed that the needs of the students are considered to be more important than the well-being of staff.”
Students probably don’t feel that they’re getting the better deal, but perhaps this just shows that within the current situation at UK universities, both students and staff feel that they are losing out.

6. Private universities have less bureaucracy

When we asked students why they loved their small university, a handful told us that they appreciated not having to deal with the “red tape” they would expect to experience elsewhere.
According to at least one academic, the same is true of private universities, which also tend to be much smaller than average.
The academic also drew a connection between well-being and (a lack of) bureaucracy: “We’re a private university, which means that we can avoid a lot of the bureaucracy present in other institutions. This massively increases staff and student well-being.”

7. The university is turning into a job centre or degree factory

 “Senior leadership is turning the university into a corporate-style degree factory.”
The introduction of higher tuition fees has affected students and academics both in practical terms and in mindset. Students are often seen, and are beginning to see themselves, as customers who are owed the goods they have paid for.
For some students, and some university leaders, this means ensuring that students graduate with a foot in the door of a stable, well-paid career.
One academic says this misses the point of education: “I have watched universities change from being respected centres of higher learning that build character in students and prepare them to take positive roles in society to becoming commercialised extensions of job centres,” they lamented.
Another says that student demands are watering down the quality of the work: “Ever since it’s slowly becoming less of an excellence centre for research and teaching, and more of a corner shop where students come to buy their degrees and expect to be spoonfed.”

8. Students increasingly need more pastoral care

Going to university is not easy, and academics recognise the toll it can take on vulnerable people.
Echoing earlier concerns about recruiting students who weren’t quite suitable for the institution, an academic at a prestigious university said: “Students are experiencing greater stress and mental health issues and suicide rates have risen dramatically during the past 15 years as we recruit those who struggle to achieve in a Russell Group University. This makes me very sad.”
Another academic noticed the burden this has placed on staff. They said: “Students have become more demanding in terms of welfare. They are less independent. They also apply more pressures on the service than in previous years.”
Neither of these academics seems to be blaming students for the extra burden they pose, but rather regrets the factors outside their control that have led to this unsustainable situation.

9. And they aren’t interested in learning

“I’m glad I’m retiring. It has become increasingly rare for students to be motivated or engaged by their studies, or to possess what, for me, is an ordinary degree of cultural and academic hinterland.”
In what is perhaps the least surprising insight for anyone who has ever been at a university, academics wish their students were more dedicated to their studies.
More than one academic felt that a decreased investment in their studies actually resulted from the increased fees, somewhat ironically.
One said: “I wish the students did the reading set for them, or at least showed some remorse for brazenly turning up to seminars without having done any prep. I just feel like I’m wasting my time trying to put together interesting sessions. Many want to be spoonfed and have their hand held (and a 2:1).”
Another saw connections between tuition fees, complacency and how students treat staff, explaining: “With increased student fees, students expect to pass even if they do not turn up to lectures. The effort put in by students has deteriorated over the years and they respect staff less.”

10. Student feedback is a tool for bullying

“Student feedback mechanisms allow for racial and other personal derogatory comments which go through unchecked.”
A striking number of comments addressed the problem of student feedback. More specifically, the problem of students bullying lecturers and using their feedback mechanisms to make counterproductive demands.
The academics only partly blamed students for these problems, as they also held university leadership responsible for an attitude that gives students all the bargaining power.
One person commented: “Staff are regularly subjected to deeply personal attacks from anonymous students, and these scores are published openly. Pedagogy is allowed to be second guessed by students, and whatever the students want they get, regardless of whether it is good teaching practice or not.”
More than one noted that the fear of bad teaching evaluations was in essence holding lecturers hostage.
“Students are now increasingly trying (and sometimes succeeding) in bullying lecturers who don’t feel they can fight back because of the need for good teaching evaluations,” an academic said.

All in all, the picture that emerges of UK students is rather incoherent. It seems that most UK academics feel incredibly privileged and inspired to work with their students, but many also worry that the students expect too much for too little work, do not appreciate the value of their education, or even bully lecturers into getting exactly what they feel they are due.
If the opinions of academics seem confused, it’s reasonable to think that the competing pressures from both above (university management) and below (fee-paying students) really are that difficult to manage. These comments certainly seem to shed some light on the complex world of UK universities.



One of my Favorite Places for International Education Researching and Writing (Educational Environment)


Remembering one of my summer 2015 work stations on the shores of Lake Michigan in Door County, Wisconsin where I began work on my ‘A Historical Overview of International Education Scholarship and the Role of the Scholar–Practitioner‘ chapter for the forthcoming book 
International Higher Education’s Scholar-Practitioners: Bridging Research and Practice”.  Soon I’ll begin work on a new book chapter that I will co-write with two other colleagues (unable to disclose chapter title or focus of book at this time) but I won’t have as nice of an “office” this time around!
That IHEC Blog post on the computer screen is about and includes photos of my thirteen year old daughter heading off on her twelve day service learning trip to Ecuador last August!

Check Out The Best universities in Europe 2016 (London School)

Times Higher Education World University Rankings data reveal the top 200 universities in Europe

RankInstitutionCountry
1University of OxfordUK
2University of CambridgeUK
3Imperial College LondonUK
4ETH Zurich – Swiss Federal Institute of Technology ZurichSwitzerland
5University College London (UCL)UK
6London School of Economics and Political Science (LSE)UK
7University of EdinburghUK
8King’s College LondonUK
9Karolinska InstituteSweden
10LMU MunichGermany
11École Polytechnique Fédérale de Lausanne (EPFL)Switzerland
12KU LeuvenBelgium
13Heidelberg UniversityGermany
14Wageningen University and Research CenterNetherlands
15Humboldt University of BerlinGermany
16Technical University of MunichGermany
17École Normale SupérieureFrance
18University of ManchesterUK
19University of AmsterdamNetherlands
20Utrecht UniversityNetherlands
21Delft University of TechnologyNetherlands
22Leiden UniversityNetherlands
23University of BristolUK
24Durham UniversityUK
25Erasmus University RotterdamNetherlands
26Free University of BerlinGermany
27University of GroningenNetherlands
28University of GlasgowUK
28University of HelsinkiFinland
30University of TübingenGermany