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The top five business schools in the world according to current rankings are based in the UK, the USA, and France. These universities have the lowest acceptance rate in the world. Choosing the best business school that suits you requires effort. A lot of work goes into setting goals and achieving them, especially if you are considering global education. We have prepared a list with brief overviews of each of these reputed institutions for you to choose from.  1. Harvard Business School, USA Harvard is a brand in itself. Studying at Harvard opens up a ton of possibilities that can create a real impact on your career roadmap. Located in Boston, Massachusetts, Harvard Business School is part of Harvard University, one of the most well-reputed institutions in the world. Harvard Business School is known for its consistent top rankings as one of America’s best colleges and for the range of courses, it offers.  Other than a full-time MBA course of 2 years, it offers doctoral programs related to management courses and other executive programs. Becoming part of this college also means you can get your works peer-reviewed and published by Harvard Business Publishing and Harvard Business Review. Harvard offers the space for students to become part of different clubs and organizations as part of their growth beyond the classroom. This makes Harvard’s campus life one of the best that one can hope for. 2. INSEAD, France INSEAD stands for 'Institut Européen d'Administration des Affaires.' It began its journey in the 1950s as a graduate business school that branched out in Abu Dhabi in the Middle East and Singapore in Asia, other than France.  Photo by Mikael Blomkvist from Pexels Today, INSEAD in Fontainebleau, France, is most well-known as one of the best business schools worldwide. Its famous MBA program has had the highest ranking for years. As a graduate business school, INSEAD offers a full-time MBA program, a master's program in Finance, an executive MBA program, a master's program in Management as well as a Ph.D. program in Management, among other courses. INSEAD follows Harvard in the art of making some of the most successful CEOs in the world. 3. MIT Sloan School of Management, USA  Situated in Cambridge, United States, the Sloan School of Management is part of the Massachusetts Institute of Technology. MIT is an organization that believes in innovating new forms of practical research in academics. The same kind of ideal is followed by its business school.  Sloan School of Management or simply Sloan offers courses that go hand in hand with Harvard. In fact, Sloan collaborates with Harvard Business School in offering cross-register facilities for various courses. MIT Sloan is known for developing revolutionary and influential ideas and concepts in finance and management. Student life at Sloan School of Manganemt can be particularly rewarding as some of the best minds have been nurtured here on the campus that also produced Nobel Laureates in economics.     4. London Business School, UK London Business School was established back in the 1960s. It is a part of a larger federal institution, the University of London, famous in its own right. LBS is a college that grants postgraduate degrees to students while offering courses like MBA, Masters in Finance and Management, Ph.D. courses, and so on.  LBS has its main campus in Sussex, London, near the famous Regent’s Park. It is undoubtedly one of the premier business schools worldwide. It has been able to live up to its famous motto - “To have a profound impact on the way the world does business." 5. Stanford Graduate School of Business, USA  As the name suggests, Stanford Graduate School of Business is the graduate business school, under the parent institution, Stanford University. The GSB is based in Stanford, California, and is one of the most opted-for business schools in the world.  Every academic admissions session witnesses a cutthroat competition to enroll in the GSB because it takes in only about six percent of applicants from all over the globe. It has a wide and beautiful campus. Other than offering a general management MBA degree course, it offers Ph.D. courses, executive management courses, and an online certificate course called LEAD.  FAQs Which are the top 10 MBA colleges?   Here are the top 10 MBA colleges: Stanford Graduate School of Business, USA   Harvard Business School, USA   Penn (Wharton), USA   HEC Paris, France   MIT (Sloan), USA   London Business School, UK   IE Business School, Spain   INSEAD, France   Columbia Business School, USA   IESE Business School, Spain   What are the 5 best schools in the world?   The list of 5 best schools in the world:   Massachusetts Institute of Technology, USA   University of Cambridge, United Kingdom   Stanford University, USA   University of Oxford, United Kingdom   Harvard University, USA   Which is the number 1 college for MBA in the world?   Stanford Graduate School of Business, USA   According to the QS World University Rankings 2022, Stanford Graduate School of Business is the best college in the world for an MBA.   What is the number 1 business school in the world?   Harvard Business School, USA   Located in Boston, Massachusetts, Harvard Business School is part of Harvard University, one of the most well-reputed institutions in the world.   Conclusion Factors like location, faculty, curriculum, peers, rankings, reputation, and your post-MBA career path will come to matter while looking for business schools. The institutions listed above have qualified as top-notch business schools that check all of these boxes. Thus, there is no time to waste. Especially if you want to opt for an education loan to get to your dream college. Start prepping yourself as soon as possible to get enrolled in one of them and have one of the most rewarding experiences of your life. Set your academic and financial goals judiciously so that no constraints can come in the way of your dreams. TALK TO OUR EXPERTS!

Do you know the cost of studying MBA in India? Why it is the most popular post-graduate degree in the country? What makes it one of the toughest and most expensive degrees in our country? Let’s find out!  The cost of an MBA program in India is between INR 20,000 and INR 40 lakh for two years of full-time study. MBA programs given by universities and government colleges have affordable tuition, however, those same programs at private institutions are more expensive.  Infrastructure, dormitory accommodations, extracurricular activities, and pedagogy are just a few of the variables that affect MBA college costs in India. For instance, if an MBA college provides a program that requires candidates to spend a semester or other amount of time studying abroad, the course fee for that institute will be high. On the other side, if the government is funding the MBA institute, the costs will be minimal.  Yes, financial aid provided by the state or the federal government to run their academic program is a big factor in the low MBA fees of government institutions and universities.  MBA applicants who intend to enroll in an MBA program for the following academic year must start looking for the best MBA colleges now. MBA tuition costs will play a significant role in guiding your search and conclusion.  It is hard to discuss MBA colleges in India without mentioning the Indian Institute of Management (IIM), one of the country's top MBA institutions.   The cost of an MBA at an IIM can range from INR 11 lakh to INR 23 lakh. There are 20 IIM campuses in India. While IIM Sirmaur's PGP program costs INR 11 lakh, IIM Ahmedabad's MBA program costs INR 23 lakh.  Other than IIMs, top B-Schools' MBA tuition  In addition to the IIMs, top B-Schools include FMS Delhi, XLRI Jamshedpur, MDI Gurgaon, SPJIMR Mumbai, and IIFT Delhi. These institutions provide the best in terms of facilities, professors, instruction, exposure to other countries, and job placements.  The MBA tuition at these business institutions ranges from 11 to 35 lakh rupees. FMS-Delhi is the lone exception, with an annual cost of INR 20, 960. Look at the MBA tuition costs for some of the best business schools outside of IIMs in India.  FMS-Delhi - INR 20,960  XLRI Jamshedpur-Xavier School of Management - INR 23.60 lakh  MDI-Gurgaon - INR 19.80 lakh  Symbiosis Institute of Business Management-Pune - INR 17.06 lakh  NMIMS Mumbai-School of Business Management - INR 19.76 lakh etc. MBA tuition less INR 10 lakh  Most of the MBA schools in this price range are IIT management study programs. In addition to being more affordable than those offered by private B-Schools, these institutions' MBA programs are also highly placed in the MHRD-NIRF yearly ranking and provide great placement possibilities. Look at these schools offering MBAs for less than INR 10 lakh:  IIT Delhi - Department of Management Studies - INR 8.80 lakh  IIT Bombay - Shailesh J. Mehta School of Management -INR 8.32 lakh  IIT Kharagpur-Vinod Gupta School of Management - INR 6.19 lakh, etc.   MBA tuition less INR 5 lakh  Popular institutions like Symbiosis International University (Deemed), and Prin. L N Welingkar, Christ University, Chandigarh University, and Amity University are among the MBA colleges in this price range. These universities provide a variety of MBA programs for reasonable tuition costs. Look at these schools offering MBAs for less than INR 5 lakh:  Prin. L. N. Welingkar Institute of Management Development & Research-Mumbai - INR 3.00 lakh  Christ University, Bangalore - INR 3.10 lakh  International School of Management and Research-ISMR - INR 3.00 lakh etc.   MBA tuition of fewer than Rs. 1 lakh  The majority of MBA programs in state or central university departments with fees under INR 1 lakh are management studies departments. These institutions are accepted by the University Grants Commission despite their affordable tuition (UGC). Look at a few of the well-known MBA schools with costs under INR 1 lakh.  Jamia Millia Islamia-JMI - INR 33,170  Amity University - INR 54,000  Institute of Management Studies, Banaras Hindu University - INR 98,888, etc.   Want to explore the future cost of studying MBA around the world? Check out the college cost calculator and find out the real costs of studying!  Consult an expert advisor to get the right plan TALK TO AN EXPERT

Planning to study law in the USA? But don’t know about the cost of doing it there. Don’t worry we have you covered! Law is amongst the most pursued courses in the USA and is extremely competitive in nature.  Thurgood Marshall, Gloria Allred, Barack Obama, Mahatma Gandhi, and Ruth Bader Ginsburg each of well-known attorneys made different decisions, but they were all driven by a passion for the rule of law and carrying out what was right. Those who choose to go to law school may well have diverse reasons for doing so, but they all seem to have the drive and morals it takes to become successful lawyers.  If you're thinking about going to law school, you probably already know how expensive it is. But it's a path that offers a lot of chances outside of the courtroom. Because of this, you should think about all the expenses related to attending law school before making a decision so that you are ready and knowledgeable. Requirements for law school  A four-year bachelor's degree is typically required for law school programs. Although there is no set major, many students choose to study topics like English, politics, history, philosophy, or economics. The American Bar Association (ABA) recommends that students prepare for legal education by enrolling in "a broad range of challenging courses from demanding professors."  Pre-law advising is another service provided by some undergraduate programs, and it can give you a better picture of what a legal career might entail. The advisor will also support your admission to law school and assist you in selecting the right undergraduate courses. The Law School Admission Test (LSAT), which assesses reading comprehension, analytical reasoning, and logical reasoning, must be taken in order to apply.  You will start a three-year program to earn a Juris Doctor (J.D.) degree after being admitted (although some schools offer a four-year part-time program). Students take torts, contracts, constitutional law, civil process, property, and a legal writing course during their first year of law school. While second and third-year courses vary by institution, they often call for writing credits, electives in experiential learning, courses on professional responsibility, and more. These allow you the chance to investigate specialized fields and learn what you are most interested in, such as tax, labor, or corporate law. For a wide range of topics, Cornell Law School advises second-year students to take courses in administrative law, corporate organizations, evidence, and federal income taxation. Students will enroll in elective courses, such as seminars and problem courses, in their chosen specialty during their third year of law school.  Students must pass a license "bar" exam for the state in which they desire to practice law in order to become practicing attorneys. Most states require that applicants complete an ABA-accredited law school, pass one or more written bar tests, and be determined by an admissions body to have the character to represent and advise others, according to the BLS. Lawyers must continue their studies at least annually even after being admitted to the bar.  Tuition for Public and Private Law Schools This is a summary of the usual expenses by that kind of organization:  AVERAGE PRIVATE SCHOOL TUITION & FEE: $51,268 (INR 41585388.91)  AVERAGE FEES FOR PUBLIC SCHOOLS  Resident (In-State) (In-State)  Tuition & Fees: $29,074(INR 2404729.44)   Non-Resident (Out-of-State) (Out-of-State)  $42,143 (INR 34,85,674.92) Education Costs  According to U.S. News, the overall average yearly cost of an out-of-state public law school is $42,143(INR 34,85,674), while the cost of a private school is significantly higher at $51,268 (INR 41,58,538)  The cheapest option would be to pay an average of $29,074(INR 24,04,729) per year to attend a public, in-state law school. Even in-state public education, which is the least expensive choice, costs $87,222(INR 72,14,188.31) for three years.  How much does law school costs? A law student should budget anywhere from $87,222 (INR 72,14,188.31) for an in-state public school to $153,804 for a private school over three years. These figures can be debilitating, particularly if one transfers directly from undergrad to law school. However, the BLS reports that as of 2020, the median annual compensation for lawyers is $126,930 (INR 10498462), with the top 10 percent earning more than $208,000 (INR 17,203815). There are numerous ways to finance a legal degree. Your mind and wallet can rest easier knowing that there are specialized loans, grants, scholarships, and cheap programs available. Knowing how much law school will cost you is simply the first step on a long career path. Use the appropriate resources and accessible research to make informed decisions and position yourself for the future you deserve.  Wondering how to calculate the future cost of studying in the USA? Chat with our expert advisors. Consult an expert advisor to get the right plan TALK TO AN EXPERT FAQ How much does it cost to study law in the USA for international students?  It's also available as a remote learning program through some US universities. To apply for an LLM in the USA, international students must hold a 3-year bachelor's degree in law. The typical tuition for American universities that provide a master's degree in law ranges from 12,000 USD (INR 99,2527.80) to 70,000 USD (INR 57,89,745.50). Is law school expensive in the US?  On average, law academy education costs$84,558(INR 69,93,847.14) at public universities for in-state scholars, and $147,936 (INR 12,235882.72) for scholars that attend private universities. Keep in mind that those costs are only for education; living charges like rent, food, and transportation can fluently add at least $20,000(INR 16,54,213.00) per time to your total cost.  How many years does it take to study law in America?  3 years 

The previous 20 years have seen a primarily rising trend in college expenditures. The cost of living, food, transportation, books, and other school-related expenditures can run into thousands of dollars in addition to the escalating cost of tuition. In this blog, we will talk about college fees and will college costs continue to rise. Why have college prices risen so dramatically over time? Even if they have temporarily steadied, college costs remain out of reach for many students. In 2020, more than half of bachelor's degree graduates from public or private four-year institutions graduated with debt, with an average debt burden of $28,400 (INR 23.2 lakhs), according to the College Board. How did costs increase so significantly? There are several hypotheses, many of which lack consensus among scholars. For instance, it is hotly contested that rising college administration roles and the availability of federal student loans are both important causes. But data doesn’t conclusively show that these factors cause prices to rise significantly. Here are several trends that have probably pushed college tuition prices up over time. Colleges provide more student support services In addition to educating students, colleges now provide a variety of other functions for them. This includes assistance with finding housing, food, transportation, child care, and other necessities, as well as mental health support, which is even increasingly more important as college students deal with the epidemic. In order to guarantee that students graduate on time or achieve their transfer goals, academic advice is also crucial. To staff and operate these services, it is necessary to hire non-faculty people, which results in a rise in college costs. Changes in state and local funding Public institutions require financing from governments and communities in addition to tuition revenues in order to operate. Health and municipal government funding for colleges vary according to the state of the economy and tax receipts. Public institutions are more likely to increase tuition when they get less state and local financing. However, state and municipal financing for institutions is increasing. As of 2020, average public higher education funding increased for eight years in a row, according to the SHEEO report, and 18 states have brought funding up to pre-2008 levels. For today's students, it is fantastic news. However, when we take a closer look at the past, we can see how state and municipal disinvestment in funding for higher education has impacted total college expenditures.  The overall increase in costs for service industries like education Higher education and other services haven't profited from the wider economy's productivity advances, which limit the cost of manufacturing things from rising too quickly. Because of this, institutions now have to charge students extra for the education they provide. Additionally, hiring highly educated academics and administrators now costs more than it used to. Colleges are likely to make investments in the newest technology on campus as well as in other advances that benefit students, such as career counseling, which drives up expenses. The effect of rising Tuition on students and graduates Compared to earlier generations, young people are more affected by student debt. Debt from graduate students makes a disproportionately large contribution. A master's degree is now held by around 13% of the population, which is roughly the same percentage as bachelor's degree holders in 1960. This tendency is attributed by experts to the rising rivalry among job applicants. This financial load has a number of unsettling repercussions that affect the economy of the country as well as the debtors. More than half of home purchasers under the age of 36 claimed that their inability to purchase a home was a result of student loan debt, according to the National Association of Realtors. Today's graduates are also less likely to launch their own enterprises since they avoid taking financial risks due to debt. The pandemic's effect on rising college costs Forbes' sources claim that there is a connection between the coronavirus and college fees. Due to COVID-19, universities lost hundreds of millions of dollars in income. College athletics, campus meals, and housing all saw sudden drops in revenue. According to the University of Wisconsin in Madison, the loss will be $100 million. A $250 million loss is predicted by the University of Arizona. Since the epidemic began, Syracuse University has already lost $35 million. In addition, the University of Michigan pegs losses at anywhere from $400 million and a staggering $1 billion. Due to the enormous income losses that colleges and universities are suffering, analysts predict that tuition increases might accelerate. How should you approach rising college costs? Seeing unending tuition rise and feeling unable to stop it is disheartening. But if you're a knowledgeable buyer, you can make wise decisions to save overspending. You may decide to transfer to a university to finish your degree after two years at a reasonably priced community college or an in-state public college. You can also search for many financial aids which will help you reduce overall college costs. Nothing is more crucial in today's market than obtaining a college education. However, the expense of attending college has been rocketing upward. The best course of action is to prepare in advance. Consult an expert advisor to get the right plan TALK TO AN ADVISOR

Are you worried about your children’s higher education? Read this article to find the best bachelor’s degree for your kid.  You might know a lot of good options but don’t know which one to opt for. Bachelor in Business and Management  A bachelor's degree in business and management is the best choice if you see an entrepreneur or businessperson when you look in the mirror.  There are up to 11,000 study possibilities in the broad area of business and management. It makes sense that this is one of the most sought-after Bachelor's disciplines given the wide range of options available.  Business administration, marketing, finance, and accounting are some of the most popular areas of study within this field, and after earning your degree, you can find work as a manager, market researcher, accountant, tax consultant, and financial inspector, among other positions. Bachelor in Electrical Engineering  It is not surprising that we include two specialties in engineering on our list given that engineering is a complicated profession that encompasses everything related to invention, design, construction, maintenance, and research.   Your ability to work with just about any system that uses electrical energy, including gadgets and digital devices, will be enhanced by studies in electrical engineering. And let's face it, who wouldn't want a degree that essentially exhorts them to never try looking up from their phones again?  It is possible to work as an aerospace engineer, broadcast engineer, network engineer, and of course as an electrical and electronics engineer in the telecommunications, media, aerospace, and broadcasting industries by pursuing higher studies in electrical engineering. Bachelor in Civil Engineering and Construction  Given that cities have developed into crowded population centers, civil engineering and construction are more important than ever. With this type of Bachelor's degree, you might work as a sustainable counselor, design engineer, or even as a consulting and contracting civil engineer. Bachelor in Computer Science and IT  Considering that practically every sector uses or is touched by digital technologies, we assume you are not shocked to see computer science and IT on our list. While IT focuses on developing networks & databases and maintaining computer systems, computer science is more concerned with programming & software.  Once you graduate from college, you should consider careers as a data analyst, IT consultant, technical support specialist, systems developer, or game developer. Bachelors in Medicine  Doctors always are going to be needed. And when we started this, I don't believe we completely blew anyone's mind. With our 6,000 programs, we can demonstrate that medicine will always be in style.  A Bachelor's in Medicine takes your dedication for at minimum 5–6 years, but it is worth it in the long run. Along with private hospitals and clinics, the government will provide you with employment opportunities. You should be aware that, in addition to human medicine, physiotherapy and nutrition & dietetics are two fields that are becoming more and more enticing.  The rising obesity prevalence in the population and the escalating posture issues among office workers are directly related to the rising demand for nutritionists and physiotherapists.  Kids, don't forget to exercise. Just refrain Bachelors in Architecture  Another discipline that takes time and commitment but pays off when you finish and enter the employment market is architecture.   Developers of real estate and local governments are always in need of architects, interior designers, and urban planners. And the study selection (which includes over 60,000 Bachelor's programs) reflects this.  Bachelors in Design  A subject with over 2,500 specialized programs, including Graphic Design and Interior Design, goes by the umbrella title of "design." A designer degree is certain to fulfill you, regardless of the program you select. Jobs in design are imaginative and well-paid. The majority of students choose to study design in nations like Spain, Denmark, and Italy.  Bachelor in International Relations  We may say if there is one field of social sciences that is rising in popularity, it is international relations, which offers more than 1,200 Bachelor's programs.  This is due to the fact that the field combines elements of political science, economics, and diplomacy. You can work as a public research officer, public affairs consultant, diplomat, or public relations specialist with knowledge and experience in these fields. Australia, the United States, and Switzerland are the best countries to pursue a bachelor's degree.  Consult an expert advisor to get the right plan TALK TO AN EXPERT

Living expenses in Canada for Indian students are very high and aspiring applicants need to be aware of them before traveling abroad for the desired study course. Canada is the preferred study hub because of its growing economy, cultural diversity, access to seamless medical care, and unlimited job opportunities.  The country is known for its excellent education system, distinctive curriculum, numerous study courses, and reputed colleges and universities. A promising future encourages Indian students to travel to Canada for higher studies but what about the living expenses?  There has been a lot of speculation about the living cost in Canada hence let us find the answers to the queries related to the cost of essential expenses. Living expenses in Canada for Indian students The average living expenses in Canada for Indian students vary between 15,000 CAD (nearly INR 8.9 lakhs) – 20,000 CAD (nearly INR 11.9 lakhs) every year based on individual lifestyles and different cities across the country.  The essential living expenses that an Indian student has to incur include- 1. Accommodation (average monthly cost) The most popular options for accommodation are dormitories which house many students and townhouses which house three to six students. Both on-campus accommodations have several facilities like hot water, internet, and heat. Other popular choices are shared apartments and unfurnished rental apartments. The average monthly living cost of the accommodations is-  Dormitories 350 CAD – 600 CAD (nearly INR 20,958 INR 35,928)Townhouses 250 CAD – 650 CAD (nearly INR 14,970 - INR 38,922)Shared Apartments 400 CAD – 800 CAD (nearly INR 23,942 – INR 47,904)Unfurnished Rental Apartments300 CAD – 500 CAD (nearly INR 17,964 – INR 29,940) Master's vs. PGDM in Canada? Read More 2. Food (average monthly cost) It is easy to get an estimate of food expenses by going through the rates of some of the most common food items. Water (1.5 liters)1.84 CAD (nearly INR 110)Rice (1kg)3.74 CAD (nearly INR 224)Apple (1 kg) 4.24 CAD (nearly INR 254)Cheese (1kg)12.99 CAD (nearly INR 778 )Milk (1 Liter)2.46 CAD (nearly INR 147)Eggs (12)3.63 CAD (nearly INR 217) How to finance a child's master's in Canada? Read More 3. Transportation (average monthly costs) Students use public transport in Canada as it is quite safe and easy to navigate. You can get student discounts by showing your student ID card. The average monthly costs of using some of the common modes of transportation are –  Bus 100 CAD – 150 CAD (nearly INR 5,988 – INR 8,982)Subway65 CAD – 99 CAD (nearly INR 3,892 – INR 5,928)Taxis per km40 CAD -50 CAD (nearly INR 2,395 – INR 2,994) Canada University Fee Structure Read More 4. Health Insurance (average annual premium) Every international student must have a health insurance policy in Canada. The coverage depends upon the province where one lives. Some popular medical insurance plans with their costs are BC MSP Program74 CAD/month (nearly INR 4431)iMED 225 CAD for 3 months (nearly INR 13,473) 5. Miscellaneous (average monthly cost) It is important to factor in personal expenses like clothing, laundry, toiletries, etc. which are part of everyday spending and depend upon an individual’s lifestyle.  Other important expenses include Electricity (average monthly costs) – 50 CAD (nearly INR 2,994) Phone bill - (average monthly costs) – 40 CAD – 100 CAD (nearly INR 2,395 – INR 5,988) Internet (average monthly costs) – 30 CAD – 50 CAD (nearly INR 1,796 – INR 2,994) Tenant’s Insurance (average monthly costs) – 15 CAD – 30 CAD (nearly INR 898 - INR 1,796) Cost of living in some of the cities of Canada The cost of living for Indian students depends upon their lifestyle and the city they live in. Some of the popular and most costly destinations for students and the average cost of living in that city are mentioned below- City The average cost of living every yearToronto37,000 CAD (nearly INR 22 lakhs)Montreal 25,000 CAD (nearly INR 14.9 lakhs)Ottawa20,000 CAD (nearly INR 11.9 lakhs)Calgary26,904 CAD (nearly INR 16.1 lakhs)Vancouver38,484 CAD (nearly INR 23.08 lakhs) 10 Tips to save money in Canada 1. Try to save money Save money whenever you can. If you find alternatives to doing something on your own then instead of spending it, save the money.   2. Apply for scholarships Every college has scholarships. Canadian universities offer amazing scholarships to potential students, so take advantage of them.     3. Keep a budget To save money as a student, you need to keep a budget for everything. When there’s no budget maintenance, people tend to spend more. Have a fixed budget for the month and don’t spend more than it.  4. Cook your meals University campuses are filled with food stalls and fast food joints and when you are hungry, you buy them, and then your bank balance drops.  So cook for yourself.    5. Claim student bank discounts and offers All bank in Canada has offers for students. Take advantage of them. Save every penny.   6. Buy second-hand stuff if you can You might need something but you don’t need to buy everything new. You can buy them in any second-hand marketplace and you can find anything there.  So instead of buying everything new or on amazon search it in these marketplaces.  7. Don’t use credit cards Credit users tend to spend more as they think they have enough money but you spend more than they need.  So cut them off.  8. Start doing a side hustle  Start earning!   Start doing a hustle so that you can earn more. Then you don’t have to worry much about your expenses. There are too many ways to earn more.   9. Use a bicycle If you need to travel daily and it’s a short distance then buy a bicycle instead of using public transport and spending more money.  10. Lower your party days Party is okay, everyone loves to party but don’t do too much of it too. Set a monthly budget for it.   FAQs How can I earn money in Canada? Students can work up to 20 hours per week off-campus in Canada. You can take up some internships or part-time jobs or start a side hustle. International students on a student permit are legally allowed to work and earn a living in Canada to help with finances.   What is the average living cost in Canada? The average living expenses in Canada for Indian students vary between 15,000 CAD (nearly INR 8.9 lakhs) – 20,000 CAD (nearly INR 11.9 lakhs) every year based on individual lifestyles and different cities across the country.  Is living in Canada expensive? Canada is considered one of the most expensive countries to live in. The most expensive city in the country is Toronto. How much money do you need to live in Canada comfortably? As a student, you need roughly 15,000 CAD (nearly INR 8.9 lakhs) – 20,000 CAD (nearly INR 11.9 lakhs) every year. What problem an International student can face? Problems like cultural shock, new language, new people, accommodation, money management, etc. There are many student accommodation scams and foreigner scams that you need to be aware of so that you do not end up losing your hard-earned money. Conclusion Canada is no doubt an expensive country and it is challenging to manage the education and living costs simultaneously. A well-structured financial plan can be a blessing in disguise but you need an expert who can formulate such an organized plan for you.  Knowing about the living expenses in Canada for Indian students is important especially when they are preparing for overseas education. The college cost calculator on the Edufund app takes into account the future living costs so that the students can be aware of the average total cost of studying abroad and plan accordingly. 

Education can be a costly affair not only in terms of tuition fees but also the add-ons like different gadgets for students only add to your cost of living alone. Electronic gadgets form an important part of such expenses but there are some gadgets to make your student's life easier. Being informed about which gadgets serve your educational needs can be helpful in deciding if you need a laptop or a smartphone. In the long run, you don’t want to make investments you might regret later. You also want to take note of the following gadgets as expenses to consider while applying for an education loan.  Gadgets for students 1. Smartphone or Tablet  Gone are the times when a mobile phone was solely seen as a source of distraction for students. These days a smartphone is one of the primary requirements. Be it, online classes, watching educational videos, accessing your email account, or simply surfing the internet, a smartphone is a go-to.  An alternative to smartphones is tablets which come with slightly bigger screens and better resolutions. For example, an iPad will have a higher aspect ratio than an iPhone. This means that the iPad will have more resolution and screen size than the iPhone. But it also means that an iPhone is more compact as a device as compared to an iPad. While purchasing either, you are required to make the right choice by weighing it against your requirements.   https://www.youtube.com/watch?v=tdwqQH0xkFw 2. Laptop or PC Unlike earlier, everything that can be accessed through a computer is also accessible through smartphones. However personal computers are favored over smartphones because of the experience they offer. A personal computer might comprise a monitor, CPU, keyboard, mouse, speaker, webcam, internal hard drive, and so on. Although these gadgets have to be purchased separately and can take up considerable space. But it is a good investment if you are a student because it creates a dedicated space for studying.   With laptops, the experience might not be as top-notch. Nevertheless, Macbooks are popular amongst students because of their compact design and the convenience of portability. A laptop works wirelessly and comes with a keyboard, built-in speakers, a web camera, and a touchpad in the place of a mouse. It is a brilliant investment especially if you are staying away from home for educational purposes.  3. External Hard drive  Nowadays every document you own can be saved up as a soft copy in cloud memory or your e-drive connected to your email account. This helps you take up less physical space with your studying materials. Even so, owning an external hard drive is a smart move if you want to be extra careful about preserving all of your materials.  An external drive allows you to access your documents easily without taking up much of your study space or the internal space on your device. All you have to do is connect the drive to your laptop or PC. Another attractive feature of an external hard drive is its portability.  4. Noise Cancellation Headphones  Headphones have existed as a wanted product in the market for a long time. One of the new features that have caused a terrific comeback for headphones is its noise cancellation. As the name suggests, noise-canceling headphones are meant to block out all of the external noise not only while listening to an audio clip but also during recordings or incoming and outgoing calls. The level of concentration a student can achieve is always considered a virtue that helps them excel in academics. Noise-cancellation headphones can help them attain that level of undivided attention which is also a requirement for online classes that have become the trend during the pandemic.  5. Printer  Even though many new and cool gadgets have flooded the market, printers shall never run out of fashion. If your subject or the academic course you have enrolled in requires you to get things printed regularly, going to a shop to get it done makes no sense.  Well-known brands like Epson, HP, Brother, Samsung, and Canon have introduced a range of budget printers to the market in recent years. By purchasing one of these, you would not only save up on your daily expenses but also preserve your precious time. In fact, having a printer at home can come in handy during emergency assignment submissions.   6. Electric Kettle & Emergency Lamp As a student, you might be required to pull all-nighters frequently. Even if that is not the case, staying up late might simply be part of your daily study routine. In such circumstances, gadgets that can make your life easier are electric kettles and emergency lamps.  Make yourself a cup of coffee or tea if you feel drowsy. You are no longer required to leave your study table to go to the kitchen as long as own an electric kettle. An emergency table lamp will come in handy if you are sharing your room with a fellow student or living in a dorm.   7. Kindle  Kindles will never run out of favor among students as long as academics is about gathering knowledge by reading books. A Kindle is an e-reader manufactured and sold by Amazon. One can read not only e-books but also e-magazines and other such digital content on this wireless gadget.  Call it a side effect of globalization, but nowadays students are required to keep moving from one location to another during different stages of their education. As such, a Kindle is an indispensable gadget - it is the alternative to carrying hard copies of bulky books. Moreover, it comes with cool features like a highlighting tool and sometimes a waterproof body. Dictionaries will be at your disposal while reading if you have them downloaded on your Kindle. You will not be required to carry a dictionary everywhere you go, as long as carry your books in your Kindle.    8. External Batteries & Portable Chargers   Being a student means you will require safe-to-use and convenient gadgets to charge devices like your phone, laptop, tablet, speaker, and so on. A range of portable chargers has been developed in recent years by reputed companies to make life easier. The concept of clutch batteries or chargers that are the size of a clutch or purse is becoming increasingly popular in this era of digitization.    For students who depend on rigorous online activity as part of their academic curriculum, these allow them to charge their devices wherever they are. For charging devices iPhones, special external batteries like the Ubio Labs Shadow Series have been developed which are not only easy to carry but also stunning to look at. 9. Rocketbook Everlast smart reusable notebook  Rocketbook is a digital notebook for all those who love to write over typing. It is a useful and affordable gadget for students who have trouble taking notes on their laptops and need a notebook that can be reused and even used later to add transfer notes digitally.   It’s a popular and efficient product for college students, school students and even working professionals.    10. Anti-theft laptop bag   Want to protect your expensive laptop then get an anti-theft laptop bag to ensure maximum security for your gadgets as a student. It is an affordable bag. bag rucksack and helps you protect your precious belongings at school or college from theft.    11. External hard drive  An external hard drive is a must for every student. It helps you store all your data safely. If you are a student who uses a lot of storage on your laptop for photos, videos, college projects, or freelance work – this is the right gadget for you. It helps you protect your data from a virus on your laptop or in the event your laptop breaks down.   Hard drives come in different capacities and based on that; the product has different price points.     12. Laptop tray with fans  A laptop tray is a great addition to the list of gadgets students need. It cools down your laptop and ensures your work is not hindered because of an overheating laptop or sudden shutdown because of overuse. Make you get a laptop tray the size of your laptop.   These trays are portable and let you work on your laptop without any disturbance.     13. Folding Bluetooth keyboard  A folding keyboard is great for students who do not have a laptop. You can attach it to your phone or tablet and type away your notes or do-to lists. It's lightweight, easy to carry, and connects with your laptop, phone, iPad, or tablet with ease.   It is a great alternative for students who do not have to buy a laptop but need a writing keyword to type their assignments and projects.    14. Wi-Fi range extender  The Wi-Fi range extender is a great product for students. The Internet is man’s new best friend and a student’s savior during college. Good Wi-Fi can help you with your workload. A range extender can cover your entire house or apartment, you do not have to sit in a particular corner to get the best service.    15. Portable phone charger  Student hours are long and tiring. You may not always have a battery on your phone or a plug to charge it quickly. That’s when a portable charger comes in handy, you can charge your phone while traveling, during class, or in a car.   It is a must-buy gadget for students and working professionals.   Conclusion Choosing the correct devices to make your student's life easier should not be a taxing chore. Make sure to devote time to saving up beforehand for each investment. Having funds dedicated to such purchases and knowing what you should purchase can make your student's life not only easier but also fulfilling. FAQs Which gadget is best for students? Here are some gadgets for students that make their lives easier: Smartphone or Tablet Laptop or PC External Hard drive Noise Cancellation Headphones Printer Electric Kettle & Emergency Lamp Kindle External Batteries & Portable Chargers Rocketbook Everlast smart reusable notebook Anti-theft laptop bag External hard drive Laptop tray with fans Folding Bluetooth keyboard Wi-Fi range extender Portable phone charger Why are gadgets useful for students? Gadgets serve many purposes; they make our lives easier, help us stay connected with the world, and make significant life decisions. From helping with homework to traveling the world, gadgets are useful, for students for education, learning, and life experiences. What are some fun gadgets? Here are some fun gadgets for students: FitbitSmartphone or TabletLaptop or PCNoise Cancellation Headphones

One of the oldest & greatest universities, Harvard University is situated in Cambridge, Massachusetts. An Ivy League school, Harvard University is one of the most renowned universities in the world. In addition to being old, it has a low admittance rate because of the high caliber and variety of programs it offers. Some of the most well-liked courses at Harvard are offered by the Graduate School of Arts and Sciences (GSAS), which is the university's largest graduate school. The Ranking of Harvard University The acceptance rate at Harvard university Harvard's current admission rate for 2021-2022 is 4.7%. It is among the most difficult institutions in the United States, with a notably difficult enrolment process, prerequisites, and extracurriculars.  The Harvard University admissions office selects the best and most deserving individuals by evaluating each candidate in many categories such as academics, volunteerism, extracurricular activities, statement of purpose, and letter of reference. To get admitted to the university, students need to focus on their applications and distinguish themselves. The postgraduate acceptance rate at Harvard university Harvard University has about 22,000 students, 15,250 registered in professional and graduate study programs. Harvard is a stiff competitor for P.HD and other business qualifications, with an acceptance rate of 3.1%.  Every year, over 5% of overseas students enroll in postgraduate programs. Before getting into the Harvard admission rate, understanding the eligibility conditions is essential. A student must complete specific prerequisites to register for any course at Harvard. It is required that they meet their GPA criteria and take the SAT/ACT. These results reflect the prospective student's academic potential. A minimum of 80% in the 12th board test is required for a student to gain a strategic advantage in undergraduate courses. A letter of recommendation (LOR) and a statement of purpose (SOP) are also significant in the application's consideration. To prove their command of the language, international students must pass an English proficiency test, such as the standardized IELTS, TOEFL, and others. Harvard wants students to be at the top of their Class with a GPA of 4.18. Furthermore, students should take online programs - AP or IB courses - to demonstrate that school-level scholastics is simple. If the overall GPA is at or below the school average of 4.18, individuals will need to improve their SAT or ACT scores. It will help them compete effectively against other candidates with greater GPAs than you As per the last admitted class of 2026 at Harvard University, admission count details are as follows: 1. Number of Students Applicants - 61,221 Admitted - 1,984 Admitted from the waiting list – 36 2. Geographical breakdown New England - 16.6% Middle Atlantic - 22.3% South - 17.8% Midwest - 9.8% Central - 2.0% Mountain - 3.2% Pacific -13.4% Territories - 0.2% International - 14.8% 3. Popular specialization subjects The acceptance rate at Harvard in 2022 Harvard, which is already regarded as one of the most demanding colleges in the world, has become much more selective in recent years. In a typical summer semester, Harvard accepts around 5% of candidates. Because of the changing global climate and the elimination of the SAT/ACT, Harvard attracted 61,220 applications for the Class of 2026. (compared with 57,435 for the Class of 2025). The record-low acceptance rate for the Class of 2026 fell to 3.1% or 1,965 accepted students. All through history, Harvard's admittance rate has progressively declined. The admission percentage for the Class of 2001 was 12.3% in 1997. Only a decade later, in 2007, the Class of 2011 admission rate had dropped to 9%. After a decade, in 2017, the admission rate for the Class of 2021 dropped to 5.2%. Tips for your child to beat the low acceptance rate at Harvard Harvard candidates must be among the highest level of their class and have a certain GPA in order to get admitted. Students with GPAs ranging from 4.0 to 4.18 have the highest probability of acceptance. Harvard University requires a minimum SAT score of 1460, with students commonly obtaining between 1460 and 1580. A composite ACT score of at least 33 is required for admission to Harvard University. Admitted students normally score between 33 and 35. Applicants must be fluent in English and be able to communicate themselves properly. Conclusion Harvard University students have an average GRE score of 155-166 in verbal and 155-170 in quantitative. The MBA program at Harvard University is the university's flagship curriculum. To be considered, candidates must have an average GMAT score of 730. To be considered for admission to Harvard, Indian candidates must have a GMAT score of 700 or above. Harvard is looking for students who will add value to the campus community and who are unique and diverse. They seek out driven individuals who will excel in any field they choose. They want students to enthusiastically represent Harvard around the world in addition to improving it as a university. Consult an expert advisor to get the right plan TALK TO AN EXPERT

Living expenses in France for Indian students depend on the location of their residence and individual lifestyle. The cost of living in Paris is no doubt more than in Lyon or Grenoble. Similarly, if a student loves to eat in restaurants and not on campus, then their cost of living will automatically rise. The average monthly living expenses in France vary between EUR 1000 - EUR 1350 per month (nearly INR 79,960– INR 1,07,946). It is quite reasonable if you consider other countries like the USA and UK.  International students should be aware of the cost of living in the city they will be studying in. Take the help of the college cost calculator on the Edufund App to factor in the necessary costs like food, rent, traveling, health insurance, etc. to calculate the living expenses. Living expenses in France for Indian students 1. Food (average monthly cost) The cost of food depends upon an individual and whether they want to cook at home, eat on campus or at restaurants.  An overview of the food expenses based on cities is- City Cost Grenoble EUR  200 – EUR 300 (nearly INR 15,992- INR 23,988) per month.BordeauxOutside meals are EUR 0.90 – EUR 6 (nearly INR 72 - INR 479) per meal.Nantes EUR 200 (nearly INR 15,992) per month.LyonEUR  300 (nearly INR 23,988) per month.Paris Meals outside per meal EUR 9 – EUR 15 (nearly INR 719 - INR 1,199). 2. Cost of basic grocery items Food and BeveragesCostBread EUR 1.20 (nearly INR 95.9).Potatoes 1 kgEUR 1.89 (nearly INR 151.1).Apples 1 kgEUR 2.98 (nearly INR 238.2).Local cheeseEUR 7 (nearly INR 559.7).MilkEUR 1.10 (nearly INR 87.9).Eggs (12)EUR 4.29 (nearly INR 343).Boneless chicken breast 500 gmsEUR 5.29 (nearly INR 422.9).Tomatoes 1 kgEUR 2.94 (nearly INR 235). 3. Accommodation The average monthly cost of accommodation in France is based on whether the student is living in a student's hostel or private housing and in which city they are residing. The student hostel is no doubt cheaper than private housing.  An overview of the rent based on the area of stay follows- City Cost per month Grenoble EUR  200 – EUR 500 (nearly INR 15,992- INR 39,980).MontpellierEUR  335 – EUR  522 (nearly INR 26,786 - INR 41,739).Nantes EUR 250 – EUR 550 (nearly INR 19,990- INR 43,978).LyonEUR  400 – EUR  550 (nearly INR 31,984- INR 43,978).Paris EUR  300 – EUR  500 (nearly INR 23,988 - INR 39,980). 4. Transportation costs Public transport in France is well-connected and extensive. The city’s metro is easy to navigate, and the weekly tickets cost EUR 0.85 (nearly INR 67.96) plus EUR 1 (nearly INR 79.96) refundable deposit fee per trip at EUR 21 (nearly INR 1,679) per month. The public transport is pretty reliable and cheap with the bus fare being EUR 2-3 (nearly INR 159 – INR 239) return, train fare at EUR 6 (nearly INR 479) per person one-way and taxis at EUR 10 – EUR 15 (nearly INR 799 – INR 1,199) one way.  The cost per month, depending upon the area of study is CityCost Per MonthGrenobleRental Bike EUR 10 – EUR 25 (nearly INR 799 - INR 1,999).TAG transportation service EUR 10 - EUR 60 (nearly INR 799 - INR 4,797).Nantes EUR 50 (nearly INR 3,998)Lyon Public transport (bus, metro) is EUR 13.20 monthly for a 10-ticket book. (nearly INR 1,055)Travel card - EUR 32.50 (nearly INR 2,598).ParisYearly pass EUR 333.50 (nearly INR 26,666)Taxi (1 hour) – EUR 40 (nearly INR 3,198). 5. Personal Expenses Mobile phone – EUR 50 (nearly INR 1,599) per month. Entertainment – EUR 240 (nearly INR 19,190). Internet – EUR 30 (nearly INR 2,398). Magazines, stationary – EUR 80 (nearly INR 6,396). Hobbies EUR 100 (nearly INR 7,996). 6. Health Insurance Health insurance is mandatory and an integral part of the living expenses in France for international students. Although a part of it is covered by the government, students have to pay one-time or annual fees as required.  City CostsGrenobleHome insurance - EUR 40 – EUR 100 per annum (nearly INR 3,198 – INR 7,996).Healthcare visit – EUR 25 (nearly INR 1,999).NantesEUR 350 per annum (nearly INR 27,986).LyonEUR 50 one-time cost (nearly INR 3,998).ParisSocial security EUR 92 (nearly INR 7,356).Civil liability insurance – EUR 30 (nearly INR 2,398). Conclusion Quality education at top universities and affordable living expenses in France for international students makes it a desired hub to study abroad. Students should try to stick to their budget to make their stay comfortable.  The college cost calculator on EduFund is a guiding tool that gives an estimate of future expenses so that students can be mindful of the money they will need as living expenses in France.  TALK TO AN EXPERT

Overseas education can open numerous doors of growth and opportunities for a career, but it is expensive and places a huge financial burden on parents who want to send their children to foreign universities.  The covid-19 pandemic, along with other difficulties, has managed to ravage the savings of some parents to a great extent. Moreover, inflation has also led to high education costs, and it has now become difficult to ensure the education dreams of a student without proper financial planning.  If you are short on money for your child’s overseas education and have hit a roadblock, then it is important to look at options that will help in arranging the money. Tips to arrange study abroad funding 1. Installment option on fees Studying abroad is not easy as it requires a huge amount of money to meet numerous expenses. A big chunk of it goes towards the tuition fees, which have to be paid upfront, at least for a full year.  Times have changed, and educational institutes understand the difficulty of arranging bulk amounts to be paid as tuition fees.  Foreign universities are allowing the option of installment payments or deferred payments. If you are short on money for your child’s overseas education, apply for an installment option on tuition fees. Paying fees per semester is affordable compared to the yearly fees as it minimizes the burden on parents to a great extent. Foreign universities are offering financial assistance to students whose families are facing financial difficulties. In some cases, the fees of the student are reduced, and in other cases, the payments are deferred to a doable period so that the money shortfall does not impact the child’s education.  2. Fast-track your studies  Students can fast-track their study courses if they are facing a shortage of money and are unable to meet the educational expenses in full. Most foreign universities have two to three-year programs, which are subdivided into semester formats. Students have to earn a minimum number of credits during this period. When you are short on money, it is not feasible to complete the degree course by attending college for the entire period. Students can enroll for additional credits and complete the program early. This will bring down the education costs and manage the money shortfall.  3. Apply to university alumni for financial aid  Sometimes unforeseen circumstances can deplete the amount of money that the parents have saved for their child’s overseas education. They may have a considerable shortage of funds and may be unable to meet all the education expenses easily. Students can approach the university for financial assistance. Most universities have an alumni network that provides monetary aid to deserving students with exemplary records who are unable to finish their education just because of money shortages. The alumni network evaluates the student’s grades, work experience, past performances, and the reasons for money shortage and, if found satisfactory, compensates by paying the remaining fees.  Some universities have an existing fund for students who are brilliant performers but, due to circumstances, are unable to pay the fees. If the student applies for financial assistance, then the fees in such cases are either reduced or paid by the fund held by the university itself.  4. Select an education loan with care If you are short on money for your child’s overseas education, then a loan is also a viable option. Select the education loan with care. Banks and NBFCs are vital sources of loans; hence check whether any sources are calculating the interest amount on a flat rate basis or on a reducing balance.   Look at the interest rate and consider other factors like repayment tenure, margin amount, and moratorium period as they are equally important. Remember, the interest rate on a reduced amount will be considerably lower than the total loan amount, so choose wisely. The college cost calculator on the EduFund app helps in calculating the future cost of college, which gives parents time to plan and save for their child’s college expenses in the smartest possible way. Financial experts will create an education savings plan that will meet the requirements of a student’s education aspiration. It also offers an option of taking out low-interest education loans with top banks.   Conclusion The desire to educate a child abroad is natural, but it often takes a toll on the parents who find themselves short on money for their child’s overseas education. Planning the expenses in another country with another currency is a task that, if not done properly, can create serious issues later on.  FAQs What are the best ways for Indian students to arrange funding for studying abroad? Indian students can secure funding for studying abroad through scholarships, grants, education loans, part-time jobs, and assistance from family and sponsors. How can Indian students find scholarships for studying abroad? Indian students can search for scholarships through government programs, universities, private organizations, and online scholarship databases. Many countries and universities offer scholarships to international students. Are there specific scholarships available for Indian students to study abroad? Yes, several scholarships, like the Commonwealth Scholarship, Inlaks Scholarship, and Fulbright Scholarship, are specifically available for Indian students pursuing higher education abroad. Can Indian students work part-time while studying abroad to support their education? Yes, many countries permit international students, including Indians, to work part-time during their studies. Students should check the work regulations of the destination country. What are the options for education loans for Indian students planning to study abroad? Indian students can avail of education loans from Indian banks and financial institutions, which offer loans designed for funding higher education abroad. The terms and conditions vary, so research different loan options.

We are always prepared for when the markets are correct. As rational investors, we know we should invest more in equity-based investments when the markets are low. But, do you know the right action to take when the markets are at a high? Traditional investor mentality Whenever the markets witness sharp extremes of high or low, investors become cautious about their next move. However, being extra cautious can often reduce the potential of the investments and make the investors take decisions that do not serve their best interests. Traditional investors usually see the market high as the perfect moment to stop their ongoing investments and sell their holdings. They then wait for market corrections to re-invest this money. This can be the right decision for investors who require money at that point in time. But liquidating your assets can create a huge speed breaker in your wealth creation journey. Investment strategies during the market boom 1. Review your portfolio This is the first step before you take any decisions related to your investments during extreme market movements. Do a thorough analysis and review of your portfolio. In this review, make sure you go fund by fund to check the performance. A detailed portfolio review will help you know what has changed in your investments from the time you invested in those market conditions. 2. Rebalance your portfolio The market volatility directly impacts your portfolio's asset allocation. E.g., when you would have begun your investment journey, your portfolio's equity: debt ratio would have been, let's take, 50:50. But when the markets boomed, the equity: debt would have increased to 70:30. This causes over-exposure to equity, which thereby increases the risk component of your portfolio. As an investor, you should periodically rebalance your portfolio or as and when the market demands so that your portfolio still performs optimally and you are way ahead of the market curve. 3. Invest in dynamic asset allocation funds A DAAF follows an intelligent asset allocation strategy depending on the market conditions. It works this way – When the markets are overvalued, this fund cuts down on its equity exposure and increases the debt allocation. In contrast, when the market is undervalued and has the potential to grow, this fund increases its asset allocation towards equity and reduces the debt exposure in its portfolio. Such funds provide the investors with the best of both worlds, that is, equity and debt, and generate steady returns regardless of market movements. This balanced fund investment is best for investors with a low to moderate risk appetite. Additional read: Importance of starting investment early 4. Give importance to value investing Even when the markets hit record highs, some stocks or shares are valued way below what they are worth. Value investing is an investment strategy that invests in stocks that are trading way below their intrinsic value and have a much higher potential for growth in the future. Investing in such stocks or funds providing exposure to such stocks helps the investor gain growth opportunities in their portfolios. 5. Avoid lump sum investments in equities The worst time to make lumpsum investments in equities is when the market is already booming and has a high P/E ratio. This means that the markets are already overvalued, and a correction is coming soon. The market movements follow a wave pattern, where every time the market goes up, it corrects to a certain level. Instead, you could make SIP investments in equities, which captures all market movements and also gives you an additional benefit of rupee cost averaging. 6. Goal-based investing Make a detailed investment plan to efficiently and effectively allocate your income. Make a set of objectives that you want to achieve with your investments. It may include buying a house, purchasing a car, planning an international holiday, or your child’s higher education abroad. When you know what you are investing for, you know what corpus you want to end up with. This helps you make your investment journey as smooth and straightforward as possible. The bottom line is, that when the markets are at a high, do not sell your investments hurriedly and re-invest entirely in the debt market. Also, putting your investments on hold can hurt your long-term goals and objectives. Follow the proper steps into rebalancing and diversifying your portfolio to ensure you are always in a comfortable position regarding your investments. Moreover, short-term volatility is not harmful to long-term investors. Always keep your goals in mind and invest systematically. FAQs What investment strategies are advisable during a market boom? The best strategy is to maintain a diversified portfolio, regularly rebalance your investments, and focus on long-term goals rather than short-term market fluctuations. Is it wise to invest aggressively during a market upswing? While it's tempting, avoid excessive risk. Stick to your risk tolerance, and consider gradual increases in equity exposure rather than abrupt shifts. How can I protect my investments during a market boom? Review and update your asset allocation, set realistic profit-taking goals, and stay informed about market trends to make informed decisions during periods of growth.

If you’re up for an adventure that not only is going to be adventurous and fun but is also going to add immense value to your future, education abroad is right up your alley. And while there are plenty of options with countries and universities, we wanted to list down our top picks to make your job considerably easier. Here are our top picks for the best places to study overseas! 1. France  Known for its rich cultural heritage and the ever-glowing Eifel, France is also one of the top picks for Indian students wanting to study abroad. The attraction isn’t limited to the glorious scapes that the country has to offer but also universities like the European International University, INSEAD Paris, and HEC Paris.  Photo by Pixabay from Pexels 2. Spain  Everyone in India was wowed by the Spanish nostalgia that ZNMD and Zoya Akhtar brought us. While Spain is a great country to relax and explore on your vacation, it is also growing in popularity in terms of higher education for international students. Photo by Luis Quintero from Pexels The country is home to some world-renowned universities like the University of Barcelona which was established in the 15th century, the Barcelona Graduate School of Economics, IE Business School in Madrid, and more!  3. Australia  The world-down-under welcomes hundreds of thousands of students from all over the world to its major cities like Sydney, Melbourne, and Canberra. The culture is welcoming toward the student community with exciting experiences to offer.  Photo by Patrick McLachlan from Pexels The popular universities include the University of Melbourne which has a populous Indian student community, RMIT University that’s famous for its journalism and media offerings, Monash University which finds its place consistently among the top 100 universities in the world, and many more!  4. Germany  As one of the most attractive education destinations in the world, Germany brags about International students from all over the world. From the public transportation system to the healthcare facilities, everything is made pleasant and convenient for students.  Photo by Leon from Pexels The universities that attract the most students from abroad are public universities like the University of Cologne, Technical University of Berlin, and Ludwig Maximilians University Munich which date back to the 15th century! 5. Canada  Canadian cities find themselves ranked among the most desirable cities in the world for students for their hearty communities as well as scholastic offerings. A progressive culture, plenty to explore, and internationally ranked universities are the reasons why Canada is on the wishlist of most students.  Photo by Burst from Pexels The University of Toronto, The University of British Columbia, and the University of Alberta are counted among the best universities that Canada has to offer.  6. The United States  The home of the brave is also home to some of the best universities in the world. The USA is home to top-ranking colleges like Harvard, Stanford, Princeton, and the entire Ivy League. What the US offers is not restricted to just education but the enormous opportunities that come with it. You can see yourself working your way up to Wall Street or establishing your own business in the business hub of the world.  Photo by Michal Marek from Pexels Each one of the 50 states has a distinguished university to offer and a culture that would enhance your own understanding of the world. One thing is for certain, when there is a break between classes, you’ll always find plenty to explore.  7. The United Kingdom The United Kingdom is home to football, cricket, and brilliant universities that are centuries old and still extremely relevant. University towns adorn the map of England, Wales, and Ireland. The top names include Oxford University, London School of Economics, University of Manchester, University of Edinburgh, and more!  Photo by Pixabay from Pexels While the UK might seemingly be more expensive than the rest of the world, you always can count on affordable education loans because a UK education is an experience that’s well worth it and can set you up for a promising career.  Conclusion  That was our list of the best places to study overseas and you’ve hopefully found a favorite or two from our list. The next steps are important once you’ve narrowed down a country, you’d need counseling to consider your options and choose your best-fit university and more.  EduFund helps students fund their dream education with affordable education loans that do not burden them in the long term. You can fill in this simple form to get a free counseling session from some of the top experts in India to get started on your overseas education dream! TALK TO OUR EXPERTS! FAQs What are some affordable options for countries to study abroad? Some of the cheapest countries to study abroad are Germany, Mexico, Poland, Argentina, South Africa, Malaysia, etc. Which is the best country to study abroad for Indian students? Each student has their preference when it comes to studying abroad. So, one answer or country can't be the choice of all students. However, if we go by data, the top preference for Indian students is usually the US, Canada, Australia, the UK, etc. What are some best countries to study abroad and settle in? Some of the top options to study abroad and settle after that are New Zealand, Spain, Thailand, Canada, etc.

Stressed about going abroad to study at your dream college? Wondering how to better plan your education abroad? Then, take a deep breath and let all the negativity flow out. Next, formulate a plan to go about the whole process in the most systematic way possible. There are a few intrinsic steps involved in this journey. We have made a list right here that can help you set your goals right and achieve them one at a time.   Top 10 Ways to plan your education abroad 1. A Basic plan  Every journey begins with a basic course of action. Sometimes journeys appear more difficult than they are and this is often the case with education abroad. Charting out what you want to do demystifies the complications, it offers you clarity on what you must do next and how much time you have to do it. When global education is involved, usually the course of action starts with deciding which part of the world you want to study. The following points can help you form a well-structured plan before you get started.  2. Looking up universities  Once you decide which places you are interested in, the next step is to make a list of universities and colleges. Make sure to put down the names of institutions that have crossed your mind. In fact, you can prepare separate priority lists - one for your dream colleges and another for institutions that can offer your desired course or potential research supervisor. This way, through newer shortlists you can reach the final list as you do more research on each college.  3. Time management  While noting down the names of the universities and colleges, make sure to also look up their application deadlines. Knowing the deadlines for submitting applications is what will give an ultimate edge to your course of action. Now you will have an idea about the approximate number of days you have in your hands to prep yourself. Usually, the date for submission of applications comes under the same month. Not knowing the deadlines is what creates all the stress and confusion. But once you are aware of them, you can be confident and focus on making optimum use of it in gathering resources, and money and developing your skills.   4. Savings  Going abroad is a costly affair. Knowing how much time you have on your hands also lets you calculate how much money you can save. The income-expenditure ratio also becomes important in deciding how much money you can put away as savings. Start saving as soon as you can. Even if you are not sure about going abroad for your higher education, it is still advisable to put away money in general for education. On deciding to pursue a global education, make note of the tuition fee, cost of living, and other miscellaneous expenses that might be incurred during your stay there. This gives you clarity on how much you will need to save.  5. Investment  Be it education or any other significant event in your life, investing is always an improvement upon saving money. Savings do not generate more wealth, investments do. You can look up different mutual fund schemes to know which one will be the best for you. Fixed deposits have a certain rate of interest, but mutual fund schemes usually offer more than that. You are also advised to start investing in foreign exchange stocks like US stocks to make up for the depreciating value of the Indian currency and the subsequent rise in the cost of pursuing education abroad.   6. Building Credit  Another financial aspect that is quite understated is the importance of building credit. Building and maintaining a good credit score can go a long way in availing you of the best deals in loans with negotiable rates of interest. It is also crucial to start young and early, for example, with education loans or simply with credit cards. When the time comes to go abroad, your impressive credit score will make you qualified for the student loan that can support your global education.    7. Scholarships  An important thing you are required to look up while checking out different institutions is the scholarships that apply to you. In a lot of cases, deserving candidates can avail themselves of different scholarships that pay their tuition fee or at least a considerable part of it. In the case of research, you might enjoy deductions on the tuition fee from the institution itself, alongside receiving a stipend. Read up thoroughly about these international scholarships and the criteria or qualifications required to avail of them.  8. Building Contacts  The process of building contacts is something you should ideally get started with while you are in the stage of planning the basic course of action. Taking the advice of peers or seniors who have already been through this process can offer perspective and useful information to ease up the journey for you. Later, you might have to build contacts with the faculty member(s) of certain institutions that you are aiming to get into. This is usually the case for research scholars and falls under the application procedure.  9. Skill Development  Skill Development takes into account prepping for the final application submission as well as becoming sharper at the subject you are going to pursue. Deciding to pursue global education is sometimes synonymous with entering tough competition. Make sure you are doing your best in presenting yourself to the world as a deserving candidate. Skill development also takes into account clearing the examinations that are often recommended or mandated by some institutions as proof of your worthiness. These include SAT, GMAT, GRE, TOEFL, IELTS, and so on.    10. Preparing for Applications & Interviews  Last comes the main procedure - that of submitting applications and attending interviews. As scary as it sounds, once you are done with all of the above, you will find yourself to be more at peace and confident to brave it all. Institutions might require you to submit essays or answer questions alongside the submission of the SOP and the main application. There might be interviews on a group or individual basis. Find out about these things beforehand so that you can be well-prepared when the time comes.    Conclusion The correct way to simplify a complicated procedure is to break it down into small parts and set short-term goals that make it look doable. The thought of pursuing global education can make you anxious at first but with the right plan, you can ace it.  EduFund is your partner through and through, whether it is guidance that you need or student loans, we're here for you. FAQs How can I make my application better for studying abroad? Start early. Be honest with your details, especially with your SOP. Show your involvement in extra-curricular activities, community service, and work experience. Add letters of recommendation from your teachers, counselors, employers, etc. How do I motivate myself to work on a better plan for education abroad? You can motivate yourself by constantly reminding yourself of the great educational and career opportunities that await you after you complete your studies. You'll have a whole new experience of living in a different country, miles away from home. You'll be able to learn great things about different cultures, share your culture with others, make new friends, learn a new language, and find great employment opportunities. What skills do I need to develop to study abroad? In order to not only get admission abroad but also successfully manage to thrive there, you must develop the following skills - Independence, adaptability, communication skills, cultural awareness, budgeting, time management, networking, flexibility, etc.