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December 3, 2018

Is Your Open And Distance Programme Fake? Check UGC Recognised University List Here

Several students who enrolled into distance education programmes offered by the Institute of Distance and Open Learning (IDOL) of the University of Mumbai woke upto the news recently that their Institute no longer has the required recognition from the UGC, official government body responsible for the Open and Distance programmes run in the country. University Grants Commission (UGC)’s Distance Education Bureau on October 3, 2018 released a list of Higher Education Institutions or universities in India recognized by the commission for academic year 2018-19 and onwards to conduct programmes through the Open and Distance Learning Mode.

How To Ensure You Are Enrolled In A Recognised Distance Learning Course

According to the list published by the UGC the some universities have their recognition to run the Open and Distance programmes till 2019-20 academic year, while some are allowed to run their courses till 2022-2023.

(Click here to know which courses are recognised by UGC)

Complete UGC Recognised University List

Check the complete list UGC recognised HEIs here (state-wise as on October 3, 2018):

ANDHRA PRADESH

1. ACHARYA NAGARJUNA UNIVERSITY (STATE UNIVERSITY)

2. SRI PADMAVATI MAHILA VISHWAVIDYALAYAM (STATE UNIVERSITY)

ARUNACHAL PRADESH

3. RAJIV GANDHI UNIVERSITY

ASSAM

4. ASSAM DON BOSCO UNIVERSITY (PRIVATE UNIVERSITY)

5. KRISHNA KANTA HANDIQUE STATE OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

6. GAUHATI UNIVERSITY (STATE UNIVERSITY)

7. DIBRUGARH UNIVERSITY (STATE UNIVERSITY)

8. TEZPUR UNIVERSITY (CENTRAL UNIVERSITY)

BIHAR

9. LALIT NARAYAN MITHILA UNIVERSITY (STATE UNIVERSITY)

10. NALANDA OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

CHANDIGARH

11. PANJAB UNIVERSITY (STATE UNIVERSITY)

UGC Urges Universities To Submit Social Science Research Proposal To IMPRESS

CHHATTISGARH

12. PT. SUNDARLAL SHARMA OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

13. C.V.RAMAN UNIVERSITY (PRIVATE UNIVERSITY)

DELHI

14. INDIRA GANDHI NATIONAL OPEN UNIVERSITY (CENTRAL UNIVERSITY)

15. UNIVERSITY OF DELHI (CENTRAL UNIVERSITY)

16. RASHTRIYA SANSKRIT SANSTHAN (DEEMED TO BE UNIVERSITY)

GUJARAT

17. DR. BABASAHEB AMBEDKAR OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

HARYANA

18. CHAUDHARY DEVI LAL UNIVERSITY (STATE UNIVERSITY)

19. MAHARISHI DAYANAND UNIVERSITY (STATE UNIVERSITY)

20. GURU JAMBESHWAR UNIVERSITY OF SCIENCE & TECHNOLOGY (STATE UNIVERSITY)

KARNATAKA

21. KARNATAKA STATE OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

22. MANGALORE UNIVERSITY (STATE UNIVERSITY)

23. BANGALORE UNIVERSITY (STATE UNIVERSITY)

24. KUVEMPU UNIVERSITY (STATE UNIVERSITY)

25. MYSORE UNIVERSITY (STATE UNIVERSITY)

26. JAIN UNIVERSITY (DEEMED TO BE UNIVERSITY)

New Approval Body For Journals In Social Sciences, Humanities: UGC

KERALA

27. UNIVERSITY OF KERALA (STATE UNIVERSITY)

28. CALICUT UNIVERSITY (STATE UNIVERSITY)

29. KANNUR UNIVERSITY (STATE UNIVERSITY)

MAHARASHTRA

30. MAHATMA GANDHI ANTARRASHTRIYA HINDI VISHWAVIDYALAYA (CENTRAL UNIVERSITY)

31. SHIVAJI UNIVERSITY (STATE UNIVERSITY)

32. YASHWANTRAO CHAVAN MAHARASHTRA OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

33. SMT. NATHIBAI DAMODAR THACKERSEY WOMENS UNIVERSITY (STATE UNIVERSITY)

MADHYA PRADESH

34. BARKATULLAH UNIVERSITY (STATE UNIVERSITY)

35. M.P.BHOJ (OPEN) UNIVERSITY

36. MAHARISHI MAHESH YOGI VEDIC VISHWAVIDYALAYA (PRIVATE UNIVERSITY)

37. DEVI AHILYA VISHWAVIDYALAYA (STATE UNIVERSITY)

38. M.G. CHITRAKOOT VISHWAVIDYALAYA (STATE UNIVERSITY)

ODISHA

39. FAKIR MOHAN UNIVERSITY (STATE UNIVERSITY)

40. NORTH ORISSA UNIVERSITY (STATE UNIVERSITY)

41. ORISSA STATE OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

PUNJAB

42. PUNJABI UNIVERSITY (STATE UNIVERSITY)

43. LOVELY PROFESSIONAL UNIVERSITY (PRIVATE UNIVERSITY)

PONDICHERRY

44. PONDICHERRY UNIVERSITY (CENTRAL UNIVERSITY)

RAJASTHAN

45. JAIPUR NATIONAL UNIVERSITY (PRIVATE UNIVERSITY)

46. SURESH GYAN VIHAR UNIVERSITY (PRIVATE UNIVERSITY)

47. JAGAN NATH UNIVERSITY (PRIVATE UNIVERSITY)

48. VARDHMAN MAHAVEER OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

49. JAYOTI VIDYAPEETH WOMEN’S UNIVERSITY (PRIVATE UNIVERSITY)

TAMIL NADU

50. UNIVERSITY OF MADRAS (STATE UNIVERSITY)

51. ANNA UNIVERSITY (STATE UNIVERSITY)

52. TAMIL NADU OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

53. TAMIL UNIVERSITY (STATE UNIVERSITY)

54. SRM INSTITUTE OF SCIENCE AND TECHNOLOGY (DEEMED TO BE UNIVERSITY)

TRIPURA

55. INSTITUTE OF CHARTERED FINANCIAL ANALYSTS OF INDIA, AGARTALA (PRIVATE UNIVERSITY)

56. TRIPURA UNIVERSITY (CENTRAL UNIVERSITY)

TELANGANA

57. KAKATIYA UNIVERSITY (STATE UNIVERSITY)

58. MAULANA AZAD NATIONAL URDU UNIVERSITY (CENTRAL UNIVERSITY)

59. DR. B.R. AMBEDKER OPEN UNIVERSITY, HYDERABAD (STATE OPEN UNIVERSITY)

60. THE ENGLISH AND FOREIGN LANGUAGES UNIVERSITY (CENTRAL UNIVERSITY)

UTTARAKHAND

61. UTTARAKHAND OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

62. UNIVERSITY OF PETROLEUM AND ENERGY STUDIES (PRIVATE UNIVERSITY)

UTTAR PRADESH

63. ALIGARH MUSLIM UNIVERSITY (CENTRAL UNIVERSITY)

64. INTEGRAL UNIVERSITY (PRIVATE UNIVERSITY)

65. U.P. RAJARSHI TANDON OPEN UNIVERSITY (STATE OPEN UNIVERSITY)

66. SWAMI VIVEKANAND SUBHARTI UNIVERSITY (PRIVATE UNIVERSITY)

WEST BENGAL

67. BURDWAN UNIVERSITY (STATE UNIVERSITY)

68. NETAJI SUBHASH OPEN UNVERSITY (STATE OPEN UNIVERSITY)

69. VIDYASAGAR UNIVERSITY (STATE UNIVERSITY)

70. UNIVERSITY OF KALYANI (STATE UNIVERSITY)

71. RABINDRA BHARATI UNIVERSITY (STATE UNIVERSITY)

OTHERS

72. JAGADGURU SHRI SHIVARATHREESW ARA UNIVERSITY (KARNATAKA)

73. JAIN VISHWA BHARATI INSTITUTE (RAJASTHAN)

74. DAYALBAGH EDUCATIONAL INSTITUTE (UTTAR PRADESH)

75. PADMASHREE DR. D.Y. PATIL VIDYAPEETH, MUMBAI (MAHARASHTRA)

[“source=cnbc”]

November 24, 2018

Before you pause your student loan payments, consider the risks

Silhouette Portrait of a graduate in cap and gown

Yet when your payments resume, they’re often higher because your debt has swelled, thanks to interest.

The Associated Press, citing a 2017 Department of Education audit, reported this week that Navient, one of the country’s largest student loan servicing companies, steered tens of thousands of struggling borrowers into costly delays of their payments, known as “forbearances.”

Made conscious decision to focus on quality, not quantity of loans: SoFi CEO Anthony Noto 4:00 PM ET Tue, 23 Oct 2018 | 03:12

The Consumer Financial Protection Bureau alleges that Navient added more than $4 billion in interest to borrowers’ debt through the misuse of forbearances between 2010 and 2015. Navient disputes the allegations in the audit and those by the CFPB.

Despite the fact that putting off payments increases their debt, nearly 70 percent of people who began repaying their student loans in 2013 had their debt in forbearance for some period, according to an April report by the Government Accountability Office.

What else can a borrower do?

Borrowers should first ask whether a deferment is available before they opt for a forbearance, said Bruce McClary, vice president of communications at the National Foundation for Credit Counseling.

That’s because interest does not accrue on subsidized student loans during an economic hardship deferment, for example, as it does with a forbearance. There are also deferments for cancer patients now.

If your difficulty repaying your student loans is unlikely to come to an end any time soon, you might want to enroll in an income-driven repayment plan, which caps your monthly payment at a percentage of your income. Some monthly bills wind up totaling nothing.

Is a forbearance ever a good idea?

Borrowers who find themselves in a short-term difficulty, such as a medical leave or temporary unemployment, might want to consider forbearance, said Mark Kantrowitz, an expert on financial aid and publisher of SavingForCollege.com.

A forbearance typically lasts a year, and borrowers can use the option up to three times.

If possible, however, people should request a partial forbearance and keep up with at least their interest payments during the break.

“This will prevent your loan from growing larger during the forbearance,” Kantrowitz said.

Can I trust my lender?

Given that student loan servicers might not always provide borrowers the best information, it helps to review your options with a nonprofit such as The Institute of Student Loan Advisors, an organization that offers free advice and dispute resolution.

[“source=cnbc”]

November 17, 2018

Liz Weston: How to ‘Death Clean’ Your Finances

FILE – This April 2017 file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. (NerdWallet via AP, File) The Associated Press

The phrase “death cleaning” may sound jarring to unaccustomed ears, but the concept makes sense. It’s about getting rid of excess rather than leaving a mess for your heirs to sort out.

“Death cleaning” is the literal translation of the Swedish word dostadning, which means an uncluttering process that begins as people age. It’s popularized in the new book “The Gentle Art of Swedish Death Cleaning” by Margareta Magnusson.

Magnusson focuses on jettisoning stuff, but most older people’s finances could use a good death cleaning as well. Simplifying and organizing our financial lives can make things easier for us while we’re alive and for our survivors when we’re not.

This task becomes more urgent when we’re in our 50s. Our financial decision-making abilities generally peak around age 53, researchers have found, while rates of cognitive decline and dementia start to climb at age 60. As we age, we tend to become more vulnerable to fraud, scams, unethical advisers and bad judgment, says financial literacy expert Lewis Mandell, author of “What to Do When I Get Stupid.” Cleaning up our finances can help protect us.

Some steps to take:

CONSOLIDATE FINANCIAL ACCOUNTS

Fewer accounts are easier to monitor for suspicious transactions and overlapping investments, plus you may save money on account fees. Your employer may allow you to transfer old 401(k) and IRA accounts into its plan, or you can consolidate them into one IRA. For simplicity, consider swapping individual stocks and bonds for professionally managed mutual funds or exchange-traded funds (but check with a tax pro before you sell any investments held outside retirement funds). Move scattered bank accounts under one roof, but keep in mind that FDIC insurance is generally limited to $250,000 per depositor per institution.

AUTOMATE PAYMENTS

Memory lapses can lead to missed payments, late fees and credit score damage, which can in turn drive up the cost of borrowing and insurance. You can set up regular recurring payments in your bank’s bill payment system, have other bills charged to a credit card and set up an automatic payment so the card balance is paid in full each month. Head off bounced-transaction fees with true overdraft protection, which taps a line of credit or a savings account to pay over-limit transactions.

PRUNE CREDIT CARDS

Certified financial planner Carolyn McClanahan in Jacksonville, Florida, recommends her older clients keep just two credit cards: one for everyday purchases and another for automatic bill payments. Closing accounts can hurt credit scores, though, so wait until you’re reasonably sure you won’t need to apply for a loan before you start dramatically pruning.

SET UP A WATCHDOG

Identify whom you want making decisions for you if you’re incapacitated. Use software or a lawyer to create two durable powers of attorney — one for finances, one for health care. You don’t have to name the same person in both, but do name backups in case your original choice can’t serve.

Consider naming someone younger, because someone your age or older could become impaired at the same time you do, says Carolyn Rosenblatt, an elder-law attorney in San Rafael, California, who runs AgingParents.com. Grant online access to your accounts, or at least talk about where your trusted person can find the information she’ll need, Rosenblatt recommends.

Also create “in case of emergency” files that your trusted person or heirs will need. These might include:

?Your will or living trust

?Medical directives, powers of attorney, living wills

?Birth, death and marriage certificates

?Military records

?Social Security cards

?Car titles, property deeds and other ownership documents

?Insurance policies

?A list of your financial accounts

?Contact information for your attorney, tax pro, financial adviser and insurance agent

?Photocopies of passports, driver’s licenses and credit cards

A safe deposit box is not the best repository, because your trusted person may need access outside bank hours. A fireproof safe bolted to a floor in your home, or at minimum a locked file cabinet, may be better, as long as you share the combination or key (or its location) with your trusted person. Scanning paperwork and keeping an encrypted copy in the cloud could help you or someone else recreate your financial life if the originals are lost or destroyed.

[“Source-usnews”]

November 13, 2018

RRB Group D Exam 2018: Download Your Admit Cards From Here

The candidates whose RRB Group D exams have been scheduled for next 5 days may download their admit cards from the official websites of Railway Recruitment Board. RRBs or Railway Recruitment Boards, the official hiring agency of Indian Railways, is currently engaged in one of the largest employment drive for the recruitment of points man, helper, gateman, track maintainer and porter positions from the beginning of this year, for which the recruitment exam started on September 17, 2018. In another development recently, the RRBs have released the results of RRB ALP and Technician stage 1 CBT or Computer Based Test results. The results are available on the official RRB websites.

As per the information available on the official websites of RRBs, the RRB Group D exam details for the shifts scheduled till December 17, 2018 are released now. However, the RRB Group D admit card will only be released 4 days prior to the scheduled exam date.

Overall, 1.89 crore candidates are to sit for the Group D CBT which will conclude on December 17.

[“source=forbes]

November 13, 2018

RRB Group D Exam 2018: Download Your Admit Cards From Here

: The candidates whose RRB Group D exams have been scheduled for next 5 days may download their admit cards from the official websites of Railway Recruitment Board. RRBs or Railway Recruitment Boards, the official hiring agency of Indian Railways, is currently engaged in one of the largest employment drive for the recruitment of points man, helper, gateman, track maintainer and porter positions from the beginning of this year, for which the recruitment exam started on September 17, 2018. In another development recently, the RRBs have released the results of RRB ALP and Technician stage 1 CBT or Computer Based Test results. The results are available on the official RRB websites.

Overall, 1.89 crore candidates are to sit for the Group D CBT which will conclude on December 17.

The recruitment exam is being held for 62907 vacancies of Level- 1 posts.

The results of RRB Group D exams will be released after the completion of the whole stage 1 CBT process.

[“source=forbes]