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domingo, 31 de enero de 2016

Así va el futuro para la Automotris.




CIUDAD DE MÉXICO — La automotriz japonesa Nissan y el grupo alemán BMW invertirán 13 millones de pesos (mdp) en la instalación de 150 estaciones de recarga para sus vehículos eléctricos.
Cada una de estas electrolineras tendrá dos conectores capaces de recargar, en alrededor de 30 minutos, hasta 80% la batería de los vehículos eléctricos, detalló este miércoles Jorge Vallejo, director de la división Nissan Leaf.
Estas estaciones, ubicadas en centros comerciales, corredores y puentes, permitirán recargar, ademas de los modelos de Nissan y BMW, cualquier otro vehículo que esté bajo el estándar americano, detalló Eugenio Granio, director de la marca BMW i3.
Esta inversión es parte de un acuerdo de colaboración firmado este miércoles entre ambas compañías para impulsar la movilidad eléctrica en México.electrolinera_nissan (Cortesía Nissan).
Estas 150 estaciones de recarga serán adicionales a las que cada compañía instale en sus concesionarios.Nissan, por ejemplo, concluirá este año el equipamiento de cargadores en los 230 distribuidores que tiene en el país, detalló Vallejo.
Ambas automotrices comercializan vehículos eléctricos en México: Nissan tiene rodando 250 modelos Leaf, mientras que BMW tiene 80 unidades de su vehículo i3. La estadounidense General Motors también comercializa un modelo eléctrico en el país, el Spark EV.
Los autos eléctricos representan alrededor de 0.5% de las ventas de vehículos nuevos en México, según la Asociación Mexicana de la Industria Automotriz (AMIA).
Los directivos de las marcas coincidieron en que incrementar la infraestructura de recarga es uno de los factores para impulsar la venta de estos modelos en México, además de algunos incentivos como la eliminación del IVA (Impuesto sobre el Valor Agregado). "Estamos trabajando con la bancada del PAN para llevar esta iniciativa (a la Cámara de Diputados)", dijo Vallejo.
Airton Cousseau, presidente y director general de Nissan Mexicana dijo que este año esperan vender 150 unidades de Leaf, mientras que María Eugenia Escobedo, directora de BMW Group México, dijo que entregarán este mes 20 unidades de su modelo i3.
La directiva de la firma alemana adelantó que para el segundo semestre del año llegarán a México las versiones plug in de los modelos X5 y Serie 3.

jueves, 28 de enero de 2016

Nissan y BMW invertirán 13 mdp en ‘electrolineras’ en México.




La automotriz japonesa Nissan y el grupo alemán BMW invertirán 13 millones de pesos (mdp) en la instalación de 150 estaciones de recarga para sus vehículos eléctricos.
Cada una de estas electrolineras tendrá dos conectores capaces de recargar, en alrededor de 30 minutos, hasta80% la batería de los vehículos eléctricos, detalló este miércoles Jorge Vallejo, director de la división Nissan Leaf.
Estas estaciones, ubicadas en centros comerciales, corredores y puentes, permitirán recargar, ademas de los modelos de Nissan y BMW, cualquier otro vehículo que esté bajo el estándar americano, detalló Eugenio Granio, director de la marca BMW i3.
Esta inversión es parte de un acuerdo de colaboración firmado este miércoles entre ambas compañías para impulsar la movilidad eléctrica en México.
Estas 150 estaciones de recarga serán adicionales a las que cada compañía instale en sus concesionarios. Nissan, por ejemplo, concluirá este año el equipamiento de cargadores en los 230 distribuidores que tiene en el país, detalló Vallejo.
Ambas automotrices comercializan vehículos eléctricos en México: Nissan tiene rodando 250 modelos Leaf, mientras que BMW tiene 80 unidades de su vehículo i3. La estadounidense General Motors también comercializa un modelo eléctrico en el país, el Spark EV.
Los autos eléctricos representan alrededor de 0.5% de las ventas de vehículos nuevos en México, según la Asociación Mexicana de la Industria Automotriz (AMIA).
Los directivos de las marcas coincidieron en que incrementar la infraestructura de recarga es uno de los factores para impulsar la venta de estos modelos en México, además de algunos incentivos como la eliminación del IVA (Impuesto sobre el Valor Agregado). "Estamos trabajando con la bancada del PAN para llevar esta iniciativa (a la Cámara de Diputados)", dijo Vallejo.
Airton Cousseau, presidente y director general de Nissan Mexicana dijo que este año esperan vender 150 unidades de Leaf, mientras que Maria Eugenia Escobedo, directora de BMW Group México, dijo que entregarán este mes 20 unidades de su modelo i3.
La directiva de la firma alemana adelantó que para el segundo semestre del año llegarán a México las versiones plug in de los modelos X5 y Serie 3.

miércoles, 27 de enero de 2016

Google mostrará los interiores de los colegios de la Universidad de Cambridge.






ONDRES.– El buscador de internet Google muestra desde hoy los interiores de los colegios de la Universidad inglesa de Cambridge en su servicio de cartografía “Street View” o “Vista de la calle”, informó a Efe una portavoz de esa casa de estudios.

A través de esta herramienta, que permite visualizar en imágenes panorámicas de 360 grados puntos concretos de muchas ciudades, el centro abre por primera vez las puertas de cinco de sus colegios al público virtual: St John’s, Gonville y Caius, Newnham, Queens y Trinity Hall.
En concreto, todos los que quieran curiosear la universidad a través de los mapas de Google podrán contemplar una de las bibliotecas con mayor reputación del mundo, la Old Library del colegio de St John’s, que se construyó durante la década de 1620.
También estarán disponibles imágenes de las partes de la capilla del colegio de Gonville y Caius que datan del siglo XIV, del Jardín Botánico y de la iglesia de la universidad.
Muchas instalaciones históricas de la Universidad de Cambridge permanecen abiertas a visitantes, pero la mayoría de ellas solo están disponibles para los estudiantes y trabajadores.
Con la inclusión de estas imágenes en los mapas de Google, el director de Caius, Alan Fersht, remarcó que “las panorámicas de los interiores permitirán a cualquier interesado explorar la belleza hasta ahora escondida de varias joyas arquitectónicas”.
“Gonville y Caius son centros antiguos de Cambridge y parte de los exteriores no están abiertos diariamente a los visitantes pero ahora se pueden ver en Google”, señaló.
Para Fersht, el colegio que regenta siempre ha apostado por un “aprendizaje moderno”, por lo que abrir las puertas de esta escuela a la tecnología “encaja” con su tradición.
Durante el último año, el equipo de Colecciones Especiales de Google Street View visitó la Universidad de Cambridge para tomar imágenes de localizaciones situadas tanto en interiores como en exteriores.
El centro se une a otros enclaves históricos y culturales importantes que forman parte del servicio cartográfico del buscador de internet como la Casa Blanca en Washington, el Taj Mahal en Agra (India), la Sagrada Familia de Barcelona (España), las Islas Galápagos (Ecuador) o la selva del Amazonas.

UNICAF provides scholarships for the online accredited programmes.




University of South Wales 
(UK)

The University of South Wales was formed in 2013 by the merger of the University of Glamorgan and the University of Wales, Newport. It is now the largest university in Wales and one of the largest universities in the UK with campuses throughout south Wales, in Pontypridd, Newport and Cardiff. The campuses have excellent transport links and flexible study options, so it is easy to fit part-time or higher-level study around existing commitments.
  • The largest university in Wales and one of the largest universities in the UK
  • Valued partner of some of the world's leading companies and major public sector employers
  • Quality Programmes taught by lecturers who are national and international experts
  • *93% of graduates in employment or further study within 6 months of graduation
  • Benefit from an award-winning student support - won the Times Higher Education Award in 2012

University of South Wales Programmes:

  •  MBA:

    This challenging course will expose you to all areas of business through a diverse range of modules. A critical part of the University of South Wales’s MBA is exploring how people impact on business thinking and the systems that can enhance this fundamental part of an organisation.
  •  MA Education:

    The MA Education* programme consists of a number of specialist pathways and it is for you if you are from any of a range of professional backgrounds including teachers,nurses, members of the armed forces and police service. If you are a non-graduate then you may qualify for the pathways with relevant experience.
  •  MSc Business Psychology:

    The programme offers a psychological perspective to understanding key organisational functions such as leadership, organisational culture, marketing and communications. It encourages students to consider the application of psychological research evidence to their own working case studies and workplace interventions for change.




Marymount California University 
(USA)

In just the past few years, Marymount California University has expanded its range of
 four-year and
 graduate programs, added two dynamic campus locations and attained university status.
The partnership between the Marymount California University and the University
of Nicosia brings
together the resources and capabilities of both institutions to offer innovative
learning solutions and programs.
  • This year's freshman class is among the most academically gifted in the University's history, 
  • with an average high school GPA of 3.12
  • Study online, graduate on campus!
  • Quality Programmes taught by lecturers who are national and international experts
  • Online courses, recorded classes, online discussions and synchronous meetings attended 
  • online.
  • Apply for a Scholarship and Earn an Accredited US Degree at a much lower cost

Marymount California University Programmes:

 MBA:

  • The Marymount California University makes available the MBA in an online and
    The Marymount California University MBA program prepares students for effective and
    MBA students develop analytical, applied and interpersonal skills within an
  •  interdisciplinary community of practice to recognize, interpret, present and lead 
  • business solutions to societal and organizational challenges.
  •  ethical entrepreneurial leadership in a global interconnected economy.
  •  blended learning format to provide maximum flexibility.

What is UNICAF?

UNICAF is one of the most generous scholarship Programmes available.
The programme supports students that are domiciled worldwide and provides opportunities for
studies towards various distance learning degree programmes awarded by European, British and
American universities. Currently UNICAF provides scholarships for the online programmes offered
 by the University of South Wales in the UK, the University of Nicosia in the EU and the Marymount
California University in the USA.
For the last two decades our associate institutions have been offering scholarships to international
 students. Successful students were able to make a significant contribution to their home counties at
 the highest level.
A UNICAF Scholarship is ONLY available for ONLINE STUDIES. It is not available for on-campus
 studies. Students can Study Online and Graduate on Campus!

Autos diseñados por Mujeres!.




CNN) — ¿Tu auto lo diseñó un hombre o una mujer? Probablemente nunca habías pensado sobre ello, y probablemente no lo sepas. Pocas pistas delatan el género del diseñador.
“Si ves al Acura NSX deportivo, podrías decir que fue diseñado por una mujer? ¿O la minivan Honda por un hombre?” pregunta Angus MacKenzie, editor de la revista Motor Trend. “El buen diseño es buen díselo; trasciende el género y todos lo saben cuando lo ven”.
Si bien la mayoría de los vehículos de hecho son diseñados por hombres, esa disparidad de género se está disipando, si bien lentamente,

El auto deportivo de Acura NSX, es considerado el vehículo más importante que introducirá la marca el año que viene, como modelo 2017.
Es un ruidoso auto para hombres, tanto en su diseño angular y su desempeño increíblemente rápido. Y el hecho que Acura eligiera a Michelle Christensen como diseñadora en jefe del exterior del NSX habla mucho sobre los grandes avances que han hecho las mujeres en los niveles altos del diseño automotriz.
La mayoría de los trabajos para el exterior son asignados a hombres. Aún así, la gran mayoría de las diseñadoras de autos son empleadas para trabajos de decoración.
Ellas eligen las telas de los asientos, el color de los exteriores y, en general, supervisan el entorno interior de los autos, en lugar de diseñar lo que es considerado el trabajo de ensueño del diseño automotriz: el exterior.
Eso no implica que el diseño interior no sea igual de importante. Pero persiste la percepción de que el gran puesto en el trabajo del diseño automotriz es el exterior. Y la gran mayoría de esos puestos van a hombres.
Pero, ¿por qué? Ninguna de las personas con las que platicamos cree que los fabricantes de automóviles están dejando fuera del departamento de diseño a las mujeres a propósito. De hecho MacKenzie de Motor Trend cree que es lo opuesto.
“Si hubiera una mujer diseñadora talentosa, trabajadora y competitiva, que es lo que exige el trabajo, las empresas automotrices se pelearían por contratarla”.
Las primeras influencias podrían marcar sus carreras
Steward Reeds encabeza el departamento de transportes en el Art Center College of Design en Pasadena, California. Es una de las mejores escuelas de EU para diseño automotriz y sus graduados trabajan en estudios clave alrededor del mundo.
A principios de este mes, su departamento celebró la ceremonia de graduación para la generación más reciente de diseñadores de transporte (automotriz, de aviación y marino).
“Se graduó una clase de 15 estudiantes y de ellos, había una mujer”, lamenta. “Créeme, no es porque no queremos aceptar mujeres. Es la exposición y cultura y las mujeres no parecen considerar el diseño automotriz cuando aplican a la escuela de arte. Parece que damos un tipo de juguete a los niños cuando crecen y otro tipo para las niñas. ¿Podría eso marcar la elección de carrera que toman después?”
Sin duda Reed, quien ha sido director del departamento de transporte del centro de arte por una década, desea que más mujeres apliquen.
¿Qué inspira a las mujeres a perseguir el diseño automotriz y cuál es el botín del trabajo? Para encontrar respuestas, CNN habló con las diseñadoras automotrices líderes:
Michelle Christensen, diseñadora de Acura: se autoproclama como “nerd de los autos” y ha estado interesada en los motores desde temprana edad. Ella dice “sé que el diseño automotriz es una elección de carrera extraña, pero tuve la suerte de que mi padre me expusiera a la idea. Antes de que lo sugiriera, estaba hablando sobre convertirme en diseñadora de modas o trabajar en un pit”. Tras 10 años de trabajar en los exteriores de Acura, Christensen fue la elección perfecta para diseñar la siguiente generación del Acura NSX.
cnnexpansion
Diane Allen, diseñadora de exteriores de Nissan: la pickup Nissan Titan del 2016 es puro músculo y fue diseñada para arrastrar desde botes hasta remolques de caballos. La creación se le debe a Diane Allen, quien califica a la industria automotriz como “atemorizante”. “Pones tu alma contra la pared cada vez que haces un esbozo de un diseño. Estás desnuda ante el mundo y es una lucha sin descanso para lograr la aprobación de tus diseños. He peleado por 10 años tan sólo para obtener un poco de respeto, no ha sido sencillo ser una mujer en este campo, pero se está volviendo mucho mejor”. Ella estuvo involucrada en el diseño de la camioneta Armada, el Nissan Rogue y el primer Infiniti m5, además de la Titan 2016.
cnnexpansion
Janis Ambrose Shard, gerente de planeación en Toyota: durante sus siete años en la empresa ha influido en la elección de colores de los vehículos, los tonos y la paleta de su exterior e interior y los detalles finos de los materiales de los asientos. Ella ama el color Habanero disponible para el Toyota Prius C en Estados Unidos: “verdaderamente peleé por eso. Eso fue hace cinco años, y fue algo en grande, recibir aprobación para usar este color naranja cremoso en este pequeño auto adorable. Pero ahora, con el Prius C 2016, el color ha evolucionado a un tono de naranja más brillante llamado Tangerine Splash Pearl.”
cnnexpansion
La Shirl Turner, jefa de diseño (color avanzado y vestiduras) en Fiat Chrysler: “Me entristece que más mujeres no se den cuenta de lo emocionante que puede ser el diseño automotriz. Voy a las preparatorias locales y hablo con los chicos, especialmente hacia las niñas, y les digo que no sólo tienen que pensar en la moda o el diseño de productos. Si eres el tipo de persona que hace garabatos en el libro de matemáticas, entonces deberías pensar en el diseño automotriz”.
cnnexpansion
Irina Zavatski, gerente de diseño en Fiar Chrysler: “Mi padre quería que fuera doctor, pero yo quería perseguir una carrera en el arte”. Ella llevó a su padre en un tour del departamento de transporte de Cleveland Institute of Art para cambiar su opinión. “Vimos los bocetos de autos y modelos a escala y vimos que es posible vivir de hacer esto. Luego obtuve una pasantía en GM, y vio lo que estaba ganando y se relajó”. Zavatski recientemente trabajó en el Chrysler Pacifica de 2017.
cnnexpansion
Winnie Cheung, jefa de diseño interior en Fiat Chrysler: Ella entiende por qué tan pocas mujeres aplican para estudiar diseño automotriz en las escuelas de arte.- “Es absolutamente debido a la falta de exposición”, dijo. Cheung era estudiante de diseño gráfico y bellas artes en el Art Center College of Design en California, cuando surgió la oportunidad de tomar clases de transportes. “Estaba tan nerviosa, quería vomitar”, recuerda, “mi primer diseño en render era un cohete –lo amaba- y no tenía idea de que tenía esa pasión en mí”. Uno de los logros más recientes fue el Chrysler 200 2016, que actualizó la apariencia del sedan cuatro puertas.
cnnexpansion
Alexandra “Sandy” McGill, diseñadora líder de colores y materiales en BMW Designworks: parte de sus funciones es correr el programa individual de BMW, un estudio a la medida para autos. Recientemente, uno de sus clientes pidió un acabado salmón en lugar de madera en las vestiduras internas de su auto. ¿El motivo? Está en la industria del salmón. Ella explica sus motivos para entrar a la industria automotriz: “mis padres amaban los autos y mi papá siempre tuvo un auto convertible. Me pagaba para lavarlo y encerarlo cuando era joven. Así que me cambié a diseño automotriz y nunca me arrepentí”. Ella llegó en 1991 a Munich con BMW, “en 1991, sólo había dos mujeres en mi grupo de diseño, ahora hay muchas más”. Entre sus logros está el BMW MINI, que fue lanzado el año pasado.
cnnexpansion
Susan Lampinen, jefa del grupo de diseño de colores y materiales de Ford: “Quiero asegurarme de que hay un lugar en la mesa para un hombre, una mujer, alguien de 62 años, alguien de 25, un hispano, un asiático, quiero un diseñador de modas, un diseñador de producto, un diseñador de interiores, un diseñador de transporte. Creo que eso es lo que crea buenos diseños”. Ella dice que toma tiempo perfeccionar el arte del diseño automotriz: “El primer auto que diseñé parecía una caja de Kleenex”. Hoy es la responsable de todos los autos producidos por Ford, incluyendo Ford Explorer Platinum, Ford Edge, y el Ford Mustang. Recientemente trabajó en el color y materiales del interior del Ford Mustang GT Convertible 2016.
cnnexpansion
Tisha Johnson, directora senior de diseño en Volvo: “Tuve una serie de trabajos de oficina y ventas, pero luego, un amigo en el trabajo me incitó a seguir mi amor por el diseño. Me doy cuenta ahora que las mujeres tienen que saber que el diseño automotriz es una profesión disponible”. Johnson reubicó brevemente la casa matriz de Volvo a Gotteborg, Suecia para trabajar en el sedan S90. - “La belleza y calma de Suecia y la gente ahí es transformador. Hay una simpleza y propósito de doseño que es único. Aprendí mucho ahí. Se traduce al interior de los autos. Por ejemplo, un coche puede tener hasta 80 botones y marcadores, en el Volve S90 lo redujimos a 9. Todo es limpio y bonito”.
cnnexpansion
Wendy Lee, gerente del estudio de diseño de Toyota Calty Design: ella trabaja en una subsidiaria de diseño de Toyota. Durante sus 21 años en Calty, Lee ha trabajado en el Corolla, Camry, Sienna y Tundra. “Para mí, trabajar en el interior parece mucho más interesante que trabajar en el exterior del auto. Soy capaz de poner énfasis en los aspectos sensoriales y detalles del vehículo. Me gusta ver los efectos del color en la forma y cómo cambia con base en la luz y el momento del día”. Ella trabajó en uno de los proyectos más emocionantes de Toyota: el FT-1.
cnnexpansion

Loans studing online.





What you need to know before you enroll for an online course

Although most students adjust very quickly, studying online is different in some ways from studying in class. In particular, it requires discipline to keep ‘on schedule’ when there are no daily set lectures or classes to attend.
The importance of online course design
The way a course is designed can make an enormous difference to how easy it is to study online. Well designed courses do provide strong guidelines for when work, and what kind of work (writing assignments, tests or online class discussion), needs to be done. Poorly designed courses place much more onus on the student to organize their work, although a well designed program will deliberately encourage more and more independence and self-management as students progress through the program. However, if you are taking an undergraduate or two year college online course, it should be well designed, and that means being very clear about what is expected of you as a student.
What help will you get?
One crucial guide to choosing an online course or program is the quality of the learner support provided. This can easily be checked by going to the public web site of the online program you are interested in and look at the learner support section (it may be called Guide to Studying or something similar.) If you can’t find anything, then it’s a good indication that the program designers have not thought through the needs of learners, or are not giving it the importance it deserves. (In some cases, the learner support or student guide may be available online only after you’ve enrolled – if so, ask about this.)
Other colleges or universities may provide a general student advisory service, which may or may not include counselling and help with online learning. Some institutions also provide peer-to-peer tutoring where more experienced students help less experienced students. It is important though to check whether such services are available online, or whether you have to go to the campus to access such services. Also it is important to check whether these services are being provided by people with specialist knowledge of the challenges of studying online.
Managing the work load
Another critical factor is the amount of work involved. You should be able to reach the same standard in an online course as in a class-based course with about the same amount of work, but again this will depend on how well the course is designed. However, one thing you can be sure of. Most online courses will require as much work and will be no easier than a face-to-face class. The main difference is convenience. You can study where and when you like, so long as you cover all the work and meet all the course requirements. So if you don’t want to do the work needed to learn (and unfortunately learning does require effort on the part of the learner) then don’t do an online course. It’s not going to be any easier than the campus version. However, it should be possible to get an estimate from the program administrator as to how much work is involved in studying a particular course online (for instance, 10 hours a week for a three credit course over 13 weeks). If they can’t answer this question, they probably haven’t designed it well.
Also, don’t take too many online courses at once. This is one of the most common reasons for students dropping out. For instance, many students who choose to take an online course are doing it because it enables them to combine work, family and study. If the average course takes 10 hours a week, and you’re working full time, you will do well to manage two courses at a time. Indeed, it makes sense to ease your way into online learning. By far the majority of online students are full time students combining one online course with other face-to-face courses. Most of these students do just as well as their counterparts in the campus version.
Are you ready for online learning?
Make sure you are ready to take a particular course or program. This advice applies as much to campus-based programs as online courses, but make sure you have the necessary prior learning before taking on an online program. Do you have the necessary writing skills in particular? (There is a lot of reading and writing required in most online courses). If you are wanting to do a science or engineering program, have you the prior math skills needed for the program (for example, calculus)? Many institutions, such as the University of Phoenix, UBC and the Open University provide courses to bring you up to speed in writing and math. However, they can carry you only so far. It would be better to get your high school completion (perhaps online) in many cases than to jump into a program at university or college before you are ready for it, even if you technically qualify.
Instructors make the difference
Perhaps the most critical factor though for your success as an online student will be the quality of support you get from your instructor in the course. Again, how this is provided will depend on the design of the course. Some courses in the ‘hard’ sciences such as math, physics and computer science, may be almost full automated, in the sense that tests or exams are computer-marked, there are self-assessment questions with online answers, etc. Some courses deliberately require students to help each other, which can be a great way to learn. However, even in such courses, you are likely to need some help from an instructor at some point during the course. You need to know who they are, when they are available and what kind of help you can expect. This information should be provided before you enroll for a course.
In particular, find out if the instructors have had any training or experience in online learning before you take the course. (For this reason, be cautious if this is the first time an institution has offered an online program. Let someone else be the guinea pig.)

Institutional guides to studying online 

For these and other reasons, it is difficult to provide a single, comprehensive guide to studying online. Different institutions have different requirements, different course designs and different sets of regulations that need to be followed. So rather than write a guide to studying that will end up being too general for most students, I provide below links to excellent online study guides that are publicly available from some of the better online programs.
Lastly, although there are some special requirements for learning online, such as managing your schedule, there are many things about studying online that are also common to studying in class. So I have also included below some general guides to studying.
The UK Open UniversityIt could be argued that ‘modern’ distance learning started with the UK Open University in 1971. They have conducted serious research into how students study at a distance, what works, and what doesn’t. They have perhaps the most comprehensive guide to studying at a distance at:  http://www.open.ac.uk/skillsforstudy/ This guide however applies as much to print-based as to online distance learning.
University of British ColumbiaUBC, which is one of Canada’s premier research universities, has also been offering distance programs for over 80 years and was one of the first to start putting its distance courses online, so it now has a great deal of experience in designing, developing and delivering online courses. They have an excellent set of resources for learner support at: http://ctlt.ubc.ca/distance-learning/learner-support/
Contact North, OntarioContact North provides local support for distance students from a wide range of colleges and universities in Ontario. It has a useful set of tips and guidelines for students considering online study: http://click4onlinelearning.ca/getting-started/should-i-study-online
Penn State’s World Campus is one of the major online distance programs from a US public higher education institution. How Online Learning Works is a set of frequently asked questions – and the answers – about online learning, developed for its students, but also applicable in most cases to all online students.
The University of Phoenix. This for-profit institution has received a lot of criticism, partly for its marketing activities, which in the past have encouraged students to take programs when they weren’t ready for distance study. However, partly as a result of this criticism, the university has put in place a number of valuable support services: http://www.phoenix.edu/students/how-it-works/student_experience/student_services.html (For more on the University of Phoenix, see: How does the University of Phoenix measure up?)

General study skills

There has been a lot of research done on what leads to learner success in post-secondary education. Graham Gibbs and colleagues at the Open University did a lot of this research. Buying his book could be the best $10 you’ll ever spend as a student. Reading it may save you more time than you can imagine. It’s also a pretty useful book for instructors, as well:
Gibbs, G. (1981) Teaching Students to Learn: A student-centered approach Milton Keynes: Open University Press
The Study Guides and Strategies Web Site: Since 1996 the Study Guides and Strategies Website has been researched, authored, maintained and supported by Joe Landsberger as an international, learner-centric, educational public service.  For 2011, there were 10.4 million SGS visitors with 21.7 million pages viewed in 39 languages. January 2012: over one million visitors viewed 2,762,284 Webpages. (Thanks to Richard Elliott’s excellent e-Learning Watch for directing me to this site)
But be careful. The best way to learn these ‘generic’ study skills is within the context of a particular course. For instance, writing an essay on English literature requires a different set of skills from writing an assignment on marketing for a business course. While there are some skills that will apply to both (e.g. correct spelling and sentence construction) other skills will be specific to the subject area (e.g. drawing on examples from particular literary works in the former, and drawing on key concepts and principles taught earlier in the class in the latter).

Caveat emptor

This is the Latin for: buyer beware. Be very careful about where you choose your online learning from. Well designed courses make study not only easier but more fun. ‘Big name’ campus-based institutions do not necessarily provide the best online courses from a studying perspective. Experience in online course design counts. So finding the right balance between quality content and quality design can be tricky. Look for either specialist institutions such as Western Governors and the University of Phoenix in the USA, and Athabasca University or Télé-Université  in Canada, or quality public institutions with a long history of successful online teaching, such as Penn State, University of Central Florida, and University of Maryland University College in the USA, and UBC,  Laurentian University, Memorial University, and Laval University in Canada.
However, the world’s your oyster. Because you can study most online courses from anywhere so long as you you meet the minimum entrance requirements (and residence or rather nationality may be a factor), you can be choosy. You can even take courses from another institution while you are studying on campus at your own institution. But make sure that any individual courses you take from another institution will be acceptable for credit in your home institution, if you decide to take courses online from elsewhere.

Learn from other online learners; and guide other online learners

Lastly, please don’t ask me to recommend or comment on specific institutions or programs. There are simply too many for me to know how good they are. Even the best online programs will occasionally have a poor instructor who doesn’t provide the services expected. I have made some suggestions above about the institutions I know and trust but there are many more that will provide excellent service; I’m just not familiar with them.
However, please use the comment section of this post to share your experiences as an online student, and in particular to recommend a good institution, or warn of bad practices at other institutions. This way, you can help other students in their choice. (I reserve the right, as always, to edit comments, particularly if they are unnecessarily vitriolic or libellous).
I would also welcome contributions, either as comments, or separate posts, from others experienced in guiding online students.
Above all, I would strongly recommend that if you are contemplating studying online, you at least give it a try. Start by taking just one or two courses, but with a longer term goal (such as a qualification) in mind. I think you will be surprised not only about how well you find yourself learning, but also what fun it can be.

Learn How Car Loan Interest Affects How Much You Pay for Your Car.





Learn How Car Loan Interest Affects How Much You Pay for Your Car

When you take on a car loan to buy a car, your lender purchases the car for you and allows you to pay it back over a period of years. Essentially, the lender gives you the service of using its money, and in exchange you compensate the lender for its services by paying interest.
Most car loans use simple interest, a type of interest of which the interest charge is calculated only on the principal (the amount owed on the loan). Simple interest does not compound on interest, which generally saves a borrower money.
However, simple interest does not mean that every time you make a payment on your loan that you pay equal amounts of interest and principal. Instead, car loans are paid down via amortization, meaning you pay more interest at the beginning of your car loan than at the end.

HOW AND WHEN DO I PAY INTEREST?

Let’s say you take out a car loan for $12,000 to be paid back over five years (or 60 months) at an interest rate of 10%. Your monthly payments for this loan would be $254.96. You can calculate the payment yourself using the following equation:
Car Monthly Payment Equation
Or, you can just use a car loan calculator. For sake of simplicity in this example, make the tax rate 0%.
It is a common belief that over the 60 months of such a loan that the borrower would pay down the loan principal evenly as the graph below shows.
Incorrect Car Loan Payoff Curve
The above graph incorrectly depicts the loan being paid down by $200 per month until the balance reaches $0. This graph would imply that for each payment $54.96 goes towards paying interest, because $254.96 minus $200 is $54.96. Car loan interest does not work this way.
The correct payoff graph actually looks like the following.
Paying Down a Car Loan

Notice how the payoff curve is bowed so that it is less steep at the beginning of the loan than at the end. The reason that car loans behave this way is that monthly payments at the beginning of a car loan include more interest charge than the payments at the end of a car loan. Let’s look more closely at why car loans work this way.
As already mentioned, the monthly payments on the loan in this example would be $254.96. The interest charge that is included in this payment is based off of how much you owe on the loan. So, for the first payment on this loan, your interest charge would equal the portion of the 10% yearly interest accrued in the first month on the full amount that you are borrowing, which means that you have to pay interest of 10%/12 months on the full $12,000. Thus, the amount of interest you pay for the first payment is $100 [$100 = 10%/12 months * $12,000). Consequently, with the first payment, you will pay down your principal by $154.96 [$154.96 = $254.96 – $100].
For the second month’s payment, you will pay a slightly smaller interest charge, because the first month’s payment will have paid down the principal by $154.96. So, the second payment will include $98.71 of interest charge [$98.71 = (10%/12 months) * ($12,000 – $154.96)], and will pay down the principal by $156.26 [$156.26 = $254.96 – $98.71].
In this way, as you pay down a car loan, the amount of interest charge you pay decreases while the amount of principal you pay for increases, all while the monthly payment remains the same. For our example, the graph below illustrates how during the course of the loan the interest charge per month would fall while the amount each payment contributes to paying the principal increases if all the monthly payments are paid as scheduled.
Car Loan Payment Breakdown
Neither of these curves are straight lines. Rather, the interest charge line decreases at an increasing rate while the line displaying how much of the principal each payment covers actually increases at an increasing rate. Ultimately, you would end up paying a total of $15,298 [$15,298 = 60 * $254.96] on the loan of which $3,298 [$3,298 = $15,298 – $12,000] would be from interest charges.

HOW DOES MY CAR LOAN TERM LENGTH AFFECT MY INTEREST CHARGES?

It is important to realize that your interest rate is not the only factor that affects the total amount of interest charge you pay for your car loan. Your car loan term length plays a major role in how much you pay for your car no matter what interest rate you have. As a general rule, for the same interest rate, the longer your term length the more your cumulative interest charge will be.
Let’s continue the example above to illustrate this principal. Suppose still that you are financing your $12,000 car with a car loan requiring you to pay a 10% interest rate. However, you have a choice between a four year loan (or 48 months) and the five year loan (or 60 months) that we have discussed so far. The 48 month loan would require monthly payments of $304.35 while the 60 month loan would still require the $226.96 payments. Looking at the monthly payment, you may be tempted to take the 60 month loan because it saves you money every month – and this decision is not necessarily wrong. Still you should consider the effect the extra 12 months will have on the interest charges you pay over the course of the loan. Remember, you have to pay 10% interest on the balance on your loan, so the longer you owe money on your car, the more interest you have to pay.
The graph below shows how the interest charges accumulate over the course of each loan.
Cumulative interest charges 48 and 60 month loans
As you can see, the total interest charges you pay on the 60 month loan climb higher than those of the 48 month loan. Moreover, the 60 month loan levels off later than the 48 month loan, meaning that the portion of each of your monthly payments that covers your monthly interest charges is greater for the 60 month loan than for the 48 month loan. In total, you would pay interest charges of $2,608.85 for the 48 month loan versus $3,297.87 for the 60 month loan.
At this point, it is important to note that it is possible to have a longer car loan term length and still pay less for your car than with a loan of a shorter term length if your longer term loan has a sufficiently lower interest rate. Understanding interest rates and loan term lengths and how they interact is important if your are considering refinancing a car because refinance customers often both extend their term lengths and secure lower interest rates. Furthermore, the concept of how car loan term length affects your cumulative interest charges has important implications for how you can save money on your current car loan.

HOW CAN I REDUCE MY INTEREST CHARGES?

Since your interest charge every month is based on how much you still owe on your loan, you can reduce your interest charges by making unscheduled payments that bring down your loan balance. When you make unscheduled payments, you are engaging in an accelerated car loan payoff which will reduce the total amount of interest charges you pay over the course of your loan and may help you pay back your loan faster than originally planned.
Paying a debt like a car loan early is generally a good thing, because you end up paying less interest charges. However, you should always consider your entire financial situation before choosing to make unscheduled payments. Obviously, you need to have the extra cash to make such a payment, but even if you do, you have to ask yourself if you have better uses for that extra money. For example, if you owe money on a credit card, then you are probably better off paying down that credit card’s balance before making an unscheduled car loan payment. Ultimately, you should consider carefully if an accelerated payoff makes sense for you.
If you cannot afford to pay extra each month for you car loan, but would still like to pay less for your car in the long run and/or reduce your monthly payments, you may want to consider refinancing your car. If you refinance to a lower interest rate, you may pay significantly less for your car loan.

loans and technology honda civic.





The 2014 Honda Civic continues in sedan and coupe bodystyles with Navigation offered only on EX-L trims for this year. The Coupe catches up with the sedan offering a freshened exterior for 2014. New technology features include available 7-inch touch screen infotainment system with next generation HondaLink connectivity. A lane departure warning system with blind spot monitoring is also new safety tech offered on the Civic this year. The continuously variable automatic transmission offers greater fuel efficiency as well as improved performance over the outgoing auto trans and is optional on gas powered coupe and sedans.



Honda Financial Services provides affordable, reliable, and competitive financing on new and used Honda vehicles as well as Honda Certified Pre-Owned Vehicles. Our low rates and flexible terms can get you behind the wheel of the Honda you want to drive. You can even add peace-of-mind protection with a Honda Care product that can be included in your monthly payment. 

Salvaging Your hard earned cash and also your Wallet - Very low Price Collateralized
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Mortgage loan

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Previous to answering an application form one should take into account following points:
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Minimal amount properly secured mortgage is the greatest software for yourself when you have cash comfy without much affecting your budget during the time of repayments.

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