Top 7 Best Universities in the World

University of north albama 

University of north albama  is a Public university that was established in 1830 which is located in florence Albama,futhur 1 harrison plaza , florence al 35632,us covering area of 130 acre, the university offers four year program for under graduate, with the motto truth and light for world , the university is providing all the services for students , with the influence over the cultural , social and economic life of northwest alabama providing educational opportunities for students pursuing undergraduate, graduates majors like arts , science ,business education , Nursing and health .

 The university is surrounded by great history in usa ie,it provides 60 major through four colleges.due to these facilities UNA has third highest international students enrollment of any instututions in its category according to US news & world reports , also it has been listed among american best colleges.

The university offers graduate programs in MBA , criminal justice, English major of arts in history and many more.choosing this university for every student will be great as weather is warm, manicured , learn and live ie; the UNA has actually kept two african lions on campus to boost school spirit.

  Columbia University is located  in Upper Manhattan, New York City. It  was established in 1754 as Kings College further in 1896 it was renamed as colombia university.It is  one of the oldest and largest private institution in the city of New York state.


Columbia University

One of the world's great academic institutions  offering undergraduate,postgraduate,doctorate,engineering,medical as well as law and business management degrees.Colombia university alumni included three United States Presidents and 43 nobel prize winners and many more uncountable.It is an independent nonsectarian institution of higher education ranking in the fourth position among the us universities for 2016 by U.S News & World Report.It provides huge opportunities to both national and international students who want to persue their further higher education in recognized U.S universities.

San Diego state University
Public research university that was established in 1987 with largest and oldest higher education institution , with the area covered of  238 acres the universtiy has been choosed as best one  among top universities with the motto "Leadership starts here",the university provides many facilities among the facilities the major one is research one , university has researched in many majors as well as fields .

For students who want not just education this university is perfect as it has major extra curriuculars activities like media, newspaper , whereas for athletics there are many sports like Football,basketball,baseball,volleyball,soccer,Ice hockey, formulae SAE and other sports.

Student life is well maintained as the environment is good and hygeinic, overall the university is perfect for national students as more than 60 % of the students as well as graduates are from san Diego


Northeastern University

Founded in 1898,Northeastern University is a private non-profit research university.The university provides the comprehensive range of undergraduate,graduate and doctoral degree across nine schools and colleges and many advanced degree at graduate college in North Caroline,Charlotte,Silicon Valley,Seattle and Toronto.It offers over 200 programs leading to various degrees.
Northeastern university online offers its academic excellence with best distance learning experience to all students around the globe.The University offers its online degree in Science, Business administration,Health sciences,Engineering,Law,Computer and Information Technology,Arts Media and Design,Professional Studies,Social Sciences and Humanities,Communication,Criminal justice,Graphic Design,Building and Construction,Global Information system.Therefore,the online degree gives the flexibility to the students to complete their assignments whenever and wherever within their schedule but not crossing the set deadlines.Further more, it can be said that an individual will earn a world class degree and will be able to apply it at work which will enriched their practical knowledge and skills.

U.S. News & World Report ranked 42nd in best colleges in national universities,52nd in best business school in 2015 edition.Northeastern University holds accreditation from New England Association of School and Colleges.

University of Massachusetts

University of Massachusetts is a public research university renowned for its academic quality and research excellence founded in 1863.The university offers its programs through five campus and enrolls over 71,000 students.The University of Massachusetts consistently has been providing a high-quality education to numerous students from all over the globe for more than 150 years.The university consists of four universities,a satellite campus and a medical school.The University's main motive is to offer an affordable and accessible high quality education and conduct more research programs to enriched the knowledge of an individual  around the world.

The University of Massachusetts offers online education in undergraduate,graduate,and doctoral programs majoring in accounting,arts,computer science,business and management,communication,criminal justice,sociology,engineering,education,tourism and hospitality,information technology,nursing,psychology,public health,english,marketing,finance, biological sciences,economics and many more.In short, it offers more than 140 degree and certificate programs and over 1500 online courses.

However,there is not so much variation in distance learning and attending a campus education, a students will get same degree and will have to join the same graduation ceremony and will achieve equal prestige in world.Basically, this distance learning education is designed for those who wants to empower themselves and eager to face something different challenges besides experiencing campus life. University of Massachusetts Online education makes an individual possible to reach out their education goals without sacrificing their jobs and time with their family and friends and the most important their valuable time are saved, additional benefits are accomplishing their assignments anytime at anywhere.At this University, Distance learning offers you the flexibility to complete your assignments in your own schedule but with set deadlines and timeline associated with online education.
Thus, the University of Massachusetts is leading successfully towards distance learning education.

University of chicago

University of Chicago is a private university founded in 1890 having the motto of let knowledge grow from more to more and so be human life enriched. It is situated in Chicago,Illinois,USA.The university offers numerous academic  programmes playing a major role in the  development various academic disciplines.This university is best for those who wants to pursue their futher study in reputed university.It provides a world class education and lots of financial aid opportunities to both national and international students.The main campus area consists of 211 acres.
The university provides undergraduate,graduate programme providing equal opportunities to both national and international candidates .The university provides its education through various school for as Pritzker School of Medicine,Chicago Booth School of Business,Chicago Law School,Chicago School of Social Service Administration,The Harris School of Public Policy Studies,The Graham School of Continuing Liberal and Professional Studies and Divinity School.
The University of Chicago has a record of creating effective business pioneers and billionaires.Its position as one of the U.S. also, the world's most prestigious and conspicuous establishments has been affirmed by various rankings, with rankings associations like ARWU and US News having reliably put the University of Chicago amongst the main 10 colleges in the world. Furthermore, its doctoral level colleges have for quite some time been perceived to be world-class, with schools such as the Booth School of Business being perceived as the best business school in the world in a few rankings, and its Law and Medical Schools reliably involving a position amongst the main five and main ten expert schools in the United States respectively. While Chicago displays fabulousness in all fields of the educated community, it especially demonstrates quality in the sociologies, with numerous rankings situating the college as among the main 2 or main 5 on the world.

New Jersey City University

New Jersey City University established with the motto of 'Enter to learn,Exit to serve' founded in 1929 and located at Jersey City,New Jersey USA.It's a public university with the campus area of 46 acres.

There are a lot of motivations to cherish New Jersey, one of which is its vicinity to the Big Apple. Numerous sink into Jersey City as an approach to moderate their everyday costs without giving up the energy of urban amusement. As a college, NJCU offers world-class opportunities and completely licensed scholastics only a speedy outing from Manhattan. In classes that normal only 24 understudies, you'll advance rapidly through one of more than 40 undergrad programs. Outside of the classroom you'll mean an unfathomably differing set of schoolmates as you investigate Greek life, understudy associations, strong games, lab research, and close-by social occasions.
NJCU is sorted out into three schools offering 41 undergrad study and 27 graduate degree programs. The biggest and most prominent projects of learn at NJCU are Early Childhood Education, and Music. What's more, the NJCU Fire Science system is the main college based four year certification fire science program in the State of New Jersey. NJCU has begun a project called "Proficient Security" that offers understudies some assistance with getting into associations, for example, the FBI, NSA, and CIA. The dominant part of understudies that graduate from NJCU have ended up instructors from evaluations k-12.

The NJCU Media Arts Department is the home base and patron of the yearly Black Maria Film and Video Festival, a global juried rivalry and voyaging show which perceives and bolsters autonomous film, video and developing media.
Starting 2015, undergrad educational cost and expenses are $5,426.50 a semester for full-time understudies and $359.35 a credit for low maintenance understudies. For full-time understudies who live on grounds, the aggregate residence charges and supper arrangements is $10,728.70. For graduate and online graduate understudies, educational cost and expenses are $640.50 a credit. Diverse expenses are connected to graduate understudies in Accelerated Nursing, and those seeking after doctorates in Civil Security or Security Studies.

NJCU offers grants and recompenses to understudies who meet the monetary commitments of seeking after higher education.


University of California , Berkeley

University of California , Berkeley which was established in march 23 1868 is a widely known public research university located in California, with the motto let there be light the university is playing a major role in public universities as well as science and further majors. being in urban area the university covers about 1,232 acres

Education  in this university is good as its name as this university has been ranked as one of six university brands thtat lead in world reputation 2015 , as this university has been ranked as one of the best university for majors like science , engineering and social science and especially a specific ranking in chemistry.

 Both National as well as International students have chosen this university for undergraduate four year's degree program as environment for every students is amazing. undergraduate students can choose from variey of majors whereas for Graduated and Professional programs , the university offers masters in arts,science,fine art whereaas PHD is additon ,graduates can directly apply to department of program.

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High blood pressure

Blood weight (BP) is the weight applied by flowing blood upon the dividers of veins. At the point when utilized without further determination, "pulse" more often than not alludes to the blood vessel weight in the systemic dissemination. It is generally measured at a man's upper arm. Circulatory strain is generally communicated regarding the systolic (most extreme) weight over diastolic (least) weight and is measured in millimeters of mercury (mm Hg). It is one of the fundamental signs alongside respiratory rate, heart rate, oxygen immersion, and body temperature. Ordinary resting circulatory strain in a grown-up is roughly 120/80 mm Hg.

Circulatory strain fluctuates relying upon circumstance, action, and malady states. It is managed by the apprehensive and endocrine frameworks. Circulatory strain that is low because of a malady state is called hypotension, and weight that is reliably high is hypertension. Both have numerous causes which can go from mellow to extreme. Both might be of sudden onset or of long length of time. Long haul hypertension is a danger variable for some maladies, including kidney disappointment, coronary illness, and stroke. Long haul hypertension is more regular than long haul hypotension in Western nations. Long haul hypertension regularly goes undetected in view of rare observing and the nonappearance of side effects.Hypotension is the inverse of hypertension, which is hypertension. It is best comprehended as a physiological state, as opposed to a sickness. It is regularly connected with stun, however not as a matter of course demonstrative of it.

For a few individuals who practice and are in top physical condition, low circulatory strain is an indication of good wellbeing and fitness.For some individuals, unnecessarily low pulse can bring about unsteadiness and swooning or show genuine heart, endocrine or neurological issue. Extremely low pulse can deny the cerebrum and other crucial organs of oxygen and supplements, prompting an existence undermining condition called stun.

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Penn State World University

Penn State World Campus is Penn State — on the web

At the point when World Campus initially opened in 1998, taking college courses online and winning a degree were still moderately new ideas. Today, you can procure your degree online from innumerable sources. So what makes Penn State World Campus diverse?

Broadly Recognized University

Penn State World Campus is the online grounds of Penn State. Grounded in a convention of value following 1855, a degree from Penn State means something. Penn State is a broadly perceived foundation, with the largest* graduated class organize in the country.

Scholastically Rigorous, Accredited Programs

Your World Campus certificate is a Penn State confirmation Our online courses are the same courses that we offer on grounds. In this way, your certificate will look the same as the one earned by understudies on our physical grounds. It won't separate the system for conveyance or state that your degree was earned on the web.

Our projects are likewise authorize through the Middle States Association of Colleges and Schools. Large portions of our individual projects have extra accreditations through representing bodies in those specific fields of study.

Vocation Enhancing Programs

Look over more than 100 of the most popular degree and authentication programs in training, business, building, innovation, medicinal services, and that's just the beginning. Penn State was positioned the No. 1 foundation in the country for delivering the best-arranged, most balanced graduates who are most ready to succeed once contracted, by review by The Wall Street Journa

See the SLC Result of 2071 Here

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The Regent University

The Regent University could be a non-open consolidated nonsectarian Christian school settled in urban center, Virginia, u. s.. The school was maintained by Pat secure in 1978 as Christian Broadcasting Network University, and balanced its name to Regent University in 1989. A satellite field settled in Alexandria, Virginia, was sold-out in 2008. Authority offers a genuine partition direction program likewise to its old-fashioned on-grounds programs. Through its eight educational colleges, Regent offers associate's, bachelor's, master's, and scholastic individual degrees in overabundance of thirty courses of study. Official University is approved by the Commission on representatives of the Southern Association of staffs and schools and thusly the Association of game plan of standards colleges. The College of Arts & Sciences homes a couple of collegian majors planned for matured and partition understudies. Official's work force of Arts & Sciences (already the varsity of collegian Studies) offers relates and four year school trainings in Accounting, Biblical and course of action of rules Studies, Business, Christian Studies, Christian Ministry, Communication, Criminal Justice, English, General Studies, Government, History, Human Resource Management, International Business, Marketing, math, structure Leadership and Management, Psychology, and non basic Studies. additionally, 5 unfastened male's undertakings square measure offered solely on-grounds: Animation, Cinema-Television, math, Theater and learning base Studies (Elementary Education).

Robertson's one of a kind vision for Regent University was that of a graduate establishment. In 2006, accomplice collegian degree completing venture was started, and has full-formed into an evident collegian program for standard obsolete age understudies. Authority is at present attempting to making collegian Studies additional totally, and its plans to develop and build up the amount of majors it offers, in addition as workplaces for additional understudies. Authority arrangements to no under one day have concerning a couple of,000 on-grounds understudies. The School of Business & Leadership gives a hydrogen molecule concentration.d. in structure Leadership. to boot accessible could be a Doctor of Strategic Leadership giving 3 centers: Strategic Leadership, Leadership job, and Strategic Foresight. the varsity conjointly gives Masters in structure Leadership, Strategic Foresight and a Master of Business Administration.regent University's urban center field is seventy segments of area (280,000 m2) with historicist neo-Georgian arrangement. The University Library Building homes the school's libraries while screen Hall is home to the colleges of Divinity, Government, Law and collegian Studies. The Communication & humanities Center, home for the varsity of Communication & the humanities, is a 135,000-square-foot (12,500 m2) building with 2 theaters, an era studio, sound stage, screening theaters, and a backlot. the specialist Center could be a thirty one,000-square-foot (2,900 m2) office joins a bookshop, understudy affiliation business districts, devouring hall, pc working environment, and understudy lounge. The Administration Building, along the edge of body work spots, fuses the varsity of Education. The schoolroom Building obliges the colleges of world Leadership & Entrepreneurship and science & counsel.

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Baylor University

Baylor University may be a non-open Baptist school in urban center, Texas. leased in 1845 by the Republic of Texas, Baylor is that the most prepared perpetually in operation school in Texas and was one in every of the fundamental educational establishments west of the stream inside the us. The school's one,000-area of area field is found on the banks of the Brazos by state road I-35, between the Dallas-Fort regard Metroplex and capital of Texas. Baylor University is approved by the Southern Association of schools and colleges. Baylor is famous for its law, drug, business, science, music and English programs. Baylor University sports get-togethers, called the Bears, join in nineteen extramural diversions. The school may be a piece of the far reaching twelve Conference for all NCAA Division I recreations.

In 1841, thirty five operators to the Union Baptist Association social occasion voted to grasp the proposition of Rev. William Milton Tryon and R.e.b. Baylor to focus a Baptist school in Texas, then a self-broadcasted republic still attested by United Mexican States. Baylor, a Texas zone pick and quondam U.S manager and warrior from Alabama, transformed into the school's somebody. Some at initially expected to call the new school "San Jacinto" to perceive the conclusion that engaged the Texans to end up accomplice degree autonomous nation, then before a conclusive vote of the Congress, the specialists requested the school be named out of thankfulness for pick R. E. B. Baylor. In the fall of 1844, the Texas Baptist Education Society asked for of the Congress of the Republic of Texas to get a Baptist school. Republic President Anson Jones denoted the Act of Congress on Feb one, 1845, formally making Baylor University. The creators formed the beginning school field in Independence, Texas. Rev. James Huckins, the key Southern Baptist minister to Texas, was Baylor's first full-time fundraiser. he's idea about the third foundation father of the school. regardless of the way that these 3 men ar attributable just like the creators of the school, a couple of others endeavored to envision the key school made in Texas and in this way they were rewarded Baylor's Founders strip. The extraordinary Texas dynamic war pioneer and legend full general gave the fundamental $5,000 blessing to begin the school. In 1854, Houston was conjointly sanitized through water by the Rev. Rufus Columbus Burleson, future Baylor President, inside the Brazos. In the midst of the 1846 educational year Baylor pioneers would begin together with chapel as a bit of the Baylor insightful capacity. The tradition moves ahead with nowadays and has been a territory of the lifetime of understudies in abundance of one hundred sixty years. In 1849, R.e.b. Baylor and Abner S. William Nunn Lipscom Jr. of the Texas Supreme Court began demonstrating groupings inside the "investigation of law," making Baylor the vital in Texas and along  these  lines the second school west of the Mississippi to show law. all through this point Decatur Rowe would obtain the fundamental degree respected by Baylor. He would be trailed by the fundamental cultured graduate, The Virgin Kavanaugh high class, in 1855.

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Florida International University (FIU)

FIU has been ranked among the top 100 public national universities in U.S news and World Report annual guide to " America's Best Colleges ". Through its eighteen colleges and schools, FIU offers more than 190 baccalaureate, masters and doctoral degree programs in more than 280 majors, including preprofessional programs in dentistry, law, medicine and veterinary medicine. Major academic divisions are the Colleges of Arts and Sciences, Business Administration, Education, Engineering, Health and Urban Affairs; the Honors College; and the College of Law. There are the schools of accounting, Architecture, Computer Science, Health, Hospitality Management, Journalism and Mass Communication, Music, Nursing, Policy and management, Public Health and Social Work. In addition to the academic departments, the University's interdisciplinary centers, institutes, and special programs conduct advanced research in a wide range of areas. Sponsored research funding from outside sources is more than $75 million.

Campus Life:
Students can take advantage of a diverse range of social and cultural events on and off campus. The University currently has more than 300 registered students organizations that enrich campus life and contribute to the social, cultural, and academic growth of students. University Organization sponsor concerts, films, plays, lectures, ethnic festivals, and other special eventsduring the year. Students have opportunities to participate in intercolligiate, intramural, and recreational sports. Both campuses offers state of the art recreational facilities and appartment style housing that provides students with the opportunity to live with others in convenient and supportive residential setting.

For International Students:
The University offers a full range of services to support international students in both their academic and personal lives. The office of international students and scholar services assists international students by providing advising services related to immigration, legal, personal, academic, cultural, social and financial concerns. The English Language Institute (ELI) at FIU is a fully equipped, state-of-the-art language training center that is a part of the University's college of Arts and Sciences. Since 1978, the ELI has taught close to 35000 international students and professional from more than forty-five countries to master the English language through the use of proven educational methods and the most up-to-date learning facilities.

Disney world, the Everglades, marine and state parks, Seaquarium, Metro Zoo, Fairchild Tropical Gardens, and Parrot Jungle Island are popular student attractions. Other favorite year round activities include swimming, waterskiing, scuba diving, sailing, tennis, golf and horseback riding.

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Boston University

Boston University is located along the Charles River in Boston, Massachusetts, the cultural and historical capital of New England. Boston has the largest number of Universities, educators and students of any city in the United States. Students can find art, music, theater, cafes, or a park for an afternoon stroll around any corner. With four distinct seasons, Boston allows student to ski in the winter and have  fun on the beach on the summer. Boston's Logan Airport serves all international carriers. Taxis, an extensive subway system, and buses make getting around the city easy.

Education:
Boston University which was founded in 1839 is a private non-sectarian, coeducational research university with eleven undergraduate colleges and schools. One of the world's great academic institutions and the fourth largest private university in the United States. Boston University offers more than 5,500 coursesin more than 250 major and minor fields including business management, communications, computer science, engineering, hospitality, humanities, medicine, performing arts, science and social sciences. The main University campus has 348 buildings, 489 class rooms, and 1759 laboratories. Mugar Memorial Library, the largest of the University's twenty three libraries, houses 1.8 million volumes and 2.8 million microform equivalents. Academics advising, career counselling, internships, and computer facilities are available to all students. The faculty members, including three Noble Prize winners are accomplished, dedicated educators. Notable graduates include Martin Luther King Jr. former United States secretary of Defense William Cohen, actress Geena Davis and the chairman of the General  Motors, John F. Smith, Jr.

Campus Life:
Boston University is the embodiment of the diversity that characterizes the United States. Students come to the University from all fifty states and 133 countries. Students may choose to live in a variety of residents on campus. Speciality housing is available for students with similar academics or extracurricular interests. Nearly 400 organizations on campus keep students busy outside the classroom, including athletics, musical, cultural and political clubs. The campus athmosphere is relaxed, friendly, and outgoing.

For International Students:
Boston University is an exciting and rewarding place to get  an education. International students are an important component of the community. Prior to the start of classes, the International Students and Scholars Office conducts an orientation for students to meet one another, become acquainted with the University and the city, and register for classes. The office assists students by answering questions about visas, employment, banking, and anything else of concern to the student. Intensive English preparation (ESL) is also available to students prior to enrolling in the University.

Ashland University

 Ashland University is located in the state of Ohio in the mideastern part of the United states, below the Great Lakes system. The small city of Ashland is about an hour's drive from the largest city of Cleveland and Columbus. The 120-acre (49 hectare) campus is one of the most beautiful in the state. The area around Ashland offers summer recreation activities. Four distinct seasons provide a variety of weather. Average temperatures throughout the seasons is from a low of -8 degree celcius to a high of 27 degree celcius.

Education:

Ashland University was founded in 1878, in a small private university that stresses " Accent on the Individual." Its program emphasize the liberal arts, sciences and career-oriented programs. The University offers more than sixty majors, including business, computer science, hotel and restaurant management, environmental science, and communications. The largest number of students are enrolled in business and education. The programs are enhanced by the University Honours Program, the Ashbrook Center (political science/public affairs), and the Gill Center (economics education). The University provides extensive access to the computer facilities for students, including a link to the University computer system in every residence hall room. The academic yeal consists of two semesters. Financial aid of $2000 to $8000 is available for students with a GPA of 2.75 or higher on a 4.0 scale. 

Campus life: 

Ashland's on-campus, undergraduate enrollment numbers 2200 full time students. 700 graduate students are enrolled in evening and weekend programs.  Total enrollment  including all program centers, is 6000. 80% of on-campus students are from Ohio; others come from 25 states and 33 countries. The University offers a variety of housing options in its seven residence halls and senior appartments. All residence hall rooms are wired for Internet access. Residence halls remain open all year, including vacation periods. International students may request to live with American students. The office of student Activities, which won national awards for programming for seven years, coordinates a wide range of activities and organizations, including academic clubs, campus services, special interest organizations, student government, religious life, media/publications and cultural events. The University has extensive sports programme and activities and is a member of the NCCA Division II athletic program. 

For International Students:

The University offers extensive support services for international students, including airport pickup, special advisers, and special orientation sessions. The most popular programs for international students are the international club, the friendship families programand the World Cafe. Health care is provided in campus. Ashland University and the surrounding community have a very low crime rate, which makes this an ideal place to live and learn.

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Health Insurance

Insurance Companies provide various types of health care insurance, including coverage for hospital stays, visits to physicians and surgical procedures. They serve as intermediaries between the health care providers and receipients of health care. Since the cost of health care is so high, individual seek health care insurance as a form of protection against conditions that cause them to incur large health care expenses.

Types of Health Care Plan:

Insurance Companies provide two types of health care plans : managed health care plans and indemnity plans. The primary difference between the two types is that individuals who are insured by a managed care plan may choose only specified health care providers ( hospital  and physicians) who participate in the plan. Individuals who are insured under an indemnity plan can usually choose any provider of health care services. The payment system of two types of plans also distinctly different. The premiums for managed health care plans are generally lower, and payment is typically made directly to the provider. In contrast, indemnity plans reimburse insured individuals for the health care expenses they incur. 

Exposure to Risk:

The major types of risk faced by health insurance companies are:

a. Interest rate risk,

b. Credit risk, 

c. Market risk and

d. Liquidity risk.

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International Education

A wonderful time to be working is now in the field of International higher Education. Government, academia and the private sector never have been more engaged in the vigorous dialogue of how to attract and welcome international students to the United States. New initiatives from the department of State, Education and Commerce and other agencieshave made the U.S even more welcoming. New college programs are becoming more global and adventorous. Even the private sector have become involved, believing that it too may have a role as an engine for change.
Suddenly it seems that every American Campus wants to "internationalize," and many vie for the honour of being recognized as the most internationalized. U.S students as well as international students, look careful for indications that an institution is truely international. The creative energy that comes from the involvement of so many sectors has produced some exciting innovations.
United States has traditionally enrolled many more  of the world's students that any other nation, also it continues to do so today. According to the most recent annual survey, more than 565000 students from other nations are currently studying in the U.S. The diversity, size, prestige and excellence of the higher education system in the United States offer powerful incentives for we like students and other academically gifted young people from around the world who want to have the best educational experience possible.
The U.S higher education system is quite different from most others- largely because the federal government plays a minor role. We have a vast system of community colleges, four-year liberal arts schools, public and private institutions and major Universities granting doctoral degrees. Along with a number of specialized schools at both the undergraduate and graduate levels- all a part of the U.S higher education system. To help us to navigate through the system, the state Department offers an educational advertising network providing unbiased information to all- the EDUCATION USA network. Each year they provide advice and assistance to the hundreds of thousands of prospective students wishing to study in United States. EducationUSA advertising centers are staffed by professional advisers. These centers actively promote U.S higher Education by offering comprehensive, objective, accurate and timely information about educational opportunities in the United States and guidance to the qualified individuals on how best to access those opportunitues. U.S colleges and Universities offer the possibility of educational exellence and we hope you choose to take advantage of this incomparable resource.

Some Recognized Colleges and Universities in United States:

1. Adelphi University (New York)

2. Adrian College (michigan)

3. Boston University (Massachusetts)

4. Bryant University (Rhode Island)

5. Chapman University (California)

6. Colorado State University (Colorado)

7. Florida Gulf Coast University (Florida)

8. Hawai'i Pacific University (Hawaii)

9. Northern Arizona University (Arizona)

10. Johnson and Wales University (Rhode Island)

11. Oklahoma State University (Oklahoma)

12. Marshal University (West Virgina)

13. Fordham University (New York)

14. Hofstra University (New York)

Some Internationally Recognized Universities:

1. Ashford University

2. Northwestern University

3. Harvard University

4. Columbia University

5. Oregon State University

6. Stanford University

7. Strayer University

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Life Insurance Companies

Life Insurance Companies compensate (provide benefits to) the beneficiary of a policy upon the policy holder's death. They charge policyholders a premium that should reflect the probability of making a payment to the beneficiary as well as the size and timing of the payment. Despite the difficulties of forcasting the life expectancy of a given individual, life insurance companies have historically forecasted with reasonable accuracy the benefits they will have to provide beneficiaries. Because they hold a large portfolio of policies, these companies use actuarial tables and mortality figures to forecast the percentage of policies that will require compensation over a given period, based on characteristics such as the age distribution of policy holders.

Life insurance companies also commonly offer employees of a corporation a group life policy. This service has become quite popular and has generated a large volume of business in recent years. Group policies can be provided at a low cost because of the high volume.

Types of Life Insurance:
Some of the more common types of life insurance policies aredescribed here:

Whole Life Insurance:
From the perspective of the insured  policy holders, whole life insurance protects them until death or as long as the premiums are promptly paid. In addition, a whole policy provides a form of savings to the policy holder. It builds a cash value that the policy holders is entitled to even if the policy is cancelled. From the perspective of the life insurance company, whole life policies generate periodic (typically, quarterly and semiannual) premiums that can be invested until the policy holder's death, when benefits are paid to the beneficiary. The amount of benefits are paid to the beneficiary. The amount of benefits is typically fixed.
Present value of benefits on whole life policy= L * mt * PVIFAr,n
where, L= Amount of each policy
             mt= Mortality rate
              n= number of year
              r= cost of money

Term Insurance: 
Term Insurance is temporary, providing insurance only over a specified term and doesnot build a cash value for policy holders. The premiums paid represent only insurance, not savings. Term insurance, however, is signigicantly less expensive than whole life insurance. Policy holders must compare the cash value of whole life insurance to the additional costs to determine whether it is preferable to term insurance. Those who prefer to invest their savings themselves will likely opt for term insurance.
People who need more insurance now than later may choose decreasing term insurance, in which the benefits paid to the beneficiary decrease over time. Families with mortgages commonly select this form of insurance. As time passes, the mortgage balance decreases, and the family is more capable of surviving without the breadwinner's earnings. Thus, less compensation is needed later years.


Universal Life Insurance:
Universal life insurance combines the features of term and whole life insurance. It specifies a period of time over which the policy will exist but also builds a cash value for the policy holder over time. Interest is accumulated from the cash value until the policy holder uses those funds. Universal life insurance allows felexibility on the size and timing of the premiums too. The growth in a policy's cash value is dependent on the place of the premiums. The premium payment is divided into two portions. The first is used to pay the death benefit identified in the policy and to cover any administrative expenses. The second is used for investments and reflects savings for the policy holder.

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Insurance Companies in Nepal

There are altogether 25 insurance companies established under Insurance Act 1992. Among these, 8 offer life insurance services, 16 perform non-life insurance services and one company rendered both life as well as non-life Insurance services.

List of Insurance Companies

Life Insurance Companies:
1. National Life Insurance Company Ltd
2. Nepal Life Insurance Company Ltd
3. Life Insurance Corporation (Nepal) Ltd
4. American Life Insurance Company Ltd
5. Gurans Life Insurance Company Ltd
6. Surya Life Insurance Company Ltd
7. Prime Life Insurance Company Ltd
8. Asian Life Insurance Company Ltd

Non-Life Insurance Companies:
9. Nepal Insurance Company Ltd
10. The Oriental Insurance Company Ltd
11. National Insurance Company Ltd
12. Himalayan General Insurance Company Ltd
13. United Insurance Company (Nepal) Ltd
14. Premier Insurance Company (Nepal) Ltd
15. Everest Insurance Company Ltd
16. Neco Insurance Company Ltd
17. Sagarmatha Insurance Company Ltd
18. Alliance Insurance Company Ltd
19. NB Insurance Company Ltd
20. Prudential Insurance Company Ltd
21. Shikhar Insurance Company Ltd
22. Lumbini General Insurance Company Ltd
23. NLG Insurance Company Ltd
24. Siddhartha Insurance Ltd

Life and Non-life:
25. Rastriya Bima Samsthan

According to the ownership structure, 3 insurance companies are operating under foreign investment and 3 insurance companies are in joint ventures with foreign insurance companies. Likewise, 18 insurance companies are in private sectors whereas one company is under the government ownership. Based on the financial statistics received from the insurance Board, total assets/liabilities of these companies increased by 28.2 percent from last year to Rs. 47.46 billion in mid-july 2010. Total premium collection of these companies is estimated at Rs. 15.40 billion by mid-july 2010. Such collection was Rs. 10.90 billion previous year.

Insurance Companies

Insurance Companies provide various forms of insurance and investment services to individual and charge a fee (called a premium) for this financial service. In general, the insurance provides a payment to the insured (or a named beneficiary) under conditions specified by the insurance policy contract.These conditions typically result in expenses or lost income, so the insurance is a means of financial protection. It reduces the potential financial damage incurred by individuals or firms due to specified conditions.

Common types of insurance offered by insurance companies include:
Life insurance,
Property and Casualty insurance,
Health insurance and
Business insurance.
Many insurance companies offer multiple type of insurance.

An individual's decision to purchase insurance may be influenced by the likelihood of the conditions that would result in receiving an insurance payment. Individuals who are more exposed to specific conditions that cause financial damage will purchase insurance against those conditions. Consequently, the insurance industry faces an adverse selection problem, meaning that those who are most likely to need insurance are most likely to purchase it. Furthermore, insurance can cause the insured to take more risks because they are protected. This is known as the moral hazard problem in the insurance industry.

Insurance companies employ underwriters to calculate the risks of specific insurance policies. The companies decide what types of policies to offer based on the potential level of claims to be paid on those policies and the premiums that they can charge.

Money Market Funds

Money market funds are also known as money market mutual funds in the U.S Money market funds are not in practice in Nepal. These instiutions issue shares that are redeemable at a fixed price (usually 1$) by writing checks. For example, if you buy 5000 shares for $5000, the money market fund uses these funds to invest in short term money market securities (treasury bills, certificates of deposit, commercial paper) that provide you with interest payments. In addition, you are able to write checks up to the $5000 held as shares in the money market fund. Although money market fund shares effectively function as checking account deposits that earn interest, they are not legally deposits and so are not subject to reserve requirements or prohibitions on interest payments.
For this reasons, they can pay higher interest rates than deposit at the banks. The first money market mutual fund was created by two Wall Street mavericks, Bruce Bent and Henry Brown in 1971. In 1977, money market mutual fund has assets under $4 billion; in 1978, their assets climbed to close to $10 billion; in 1979, to over $40 billion. And in 1982, to $230 billion. Currently, their assets are around $2 trillion. To say the least, money market mutual funds have been a successful innovation, which is precisely that we would have anticipated to happen in the late 1970s and early 1980s when investment rates took off past Regulation Q roofs.