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Christine own and run personalized home schooling services for student plus parent in Malaysia. Gender will even matter. home schooling Malaysia aim to provide best services to help you students get the college tuition services that suit their own needs.

This is where the particular teaching skills will make a difference. loads of students and even father and mother who lives in Malaysia have been practicing home tuition. Take note that communication skills can also be very important. You must understand of which holding a college diploma seriously isn’t a guarantee that the person is really capable of teaching and the he will become the best teacher. sometimes, even those who would not finish their college or those who do not own a diploma in college will teach elementary students. Even teachers who may have been teaching in regular schools cater tuition agency on a part moment basis. therefore, with all this non-public tutors around, how are you able to know you’re picking the right one particular?

Yet the openly embrace the belief that their students can genuinely benefit from a home schooling. I am not nevertheless male tutors teach better than females or vice versa. Firstly, you need to understand if the person you are going to hire is really qualified to show. Your location must also be thought about. This will be much easier for them. in contrast, the tutor must also be able to tell you his concerns concerning your child.

The teacher’s ability to relay the subject in a comprehensive way is essential. conversely, the tutor must also be able to tell you his concerns in relation to your child.

Even teachers who’ve been teaching in regular schools cater home schooling on a part period basis. Take note that communication skills can be very important. Before picking a private tuition for your child, be sure that it is the right one and you not be spending your cash for nothing. Make sure that start communication is maintained between the child, the tutor, and you. Your tutor must live respectively near your place. Thus, a smaller amount time and energy will be wasted on travel.

What I have mentioned on this page is just few of the facts you’ll want to know about home schooling. You must understand which holding a college diploma isn’t a guarantee that anybody is really capable of teaching and the he will become a good teacher. Before picking a tuition agency for your child, make sure that it is the right one and that you’ll not be spending your hard earned dollars for nothing. Your child must have the ability to voice out his doubts to his tutor. and your child deserves only the most effective.

at times, even those who could not finish their college or people who do not own certain amount in college are capable of teach elementary students. thus, with all this non- public tutors around, how considering able to know you are picking the right a single?

I am not nevertheless male tutors teach superior to females or vice versa. Screen every single applicant well. Retired teachers are even now being productive during his or her retirement years by working being a private tutor. This will be faster and easier for them. I am not only referring to educational attainments here. What I have mentioned here is just few of the facts that you should know about private tuition. Remember that people are talking about ones child’s future here. Your tutor must live respectively near your house. What i will be only concerned about will be child’s comfort. Who is he comfortable to promote, a male or a female tutor? Remember that to ensure that the learning to work the student must be as comfortable as you possibly can. Aileen own and run personalized tuition agency services for student and also parent in Malaysia. As mom and dad, you should take in to consideration the preference of the child. Because home tuition has been very famous in Malaysia, a lot of persons have seen this as a very good potential to come up with an income. Malaysia is one of the countries around the world that’s very open to the idea of home tuition agency. The teacher’s ability to relay the topic in a comprehensive way is essential. we are not talking about gender biases here. Further details private tuition.His experience and his person’s ability to show should also be considered. I am not only preaching about educational attainments here. Because private tuition has been very well-liked in Malaysia, a lot of persons have seen this to become a very good potential to get an income. Screen each and every applicant well. hiring a private tutor for your son or daughter does not imply every weakness on their component.

This is where the particular teaching skills will make a difference. Your location must also be taken into consideration. As mom and dad, you should take into consideration the preference of your child. lots of students and even parents who lives in Malaysia have been practicing tuition agency.

Microsoft support has taken the advantage of the fact that so many companies and individuals feel a special affiliation towards their products. These Microsoft computer support teams offer ready and balanced help to people who may having problems with their computers and other computer gadgets. The group has created a number of groups to help individuals in solving their computer problems. The team members however offer these services for free. The groups commonly referred to as Newsgroups offer the best sites that are ready to offer free computer support to all problems.

The Microsoft tech support team sends instructions via the email. They seek to protect the computer owners from encountering any misfortunes with their hardware. Advice dealing with the email, mobile products, messages and other software is also provided at no charge. Microsoft help team and support centers help you find solutions to all problems. With Microsoft, nothing is impossible. Problems handled deal with windows, Internet and MSN, servers, office products, developer tools, hardware, PC games and Xbox, Audio and Video, Design tools, photos and publishing, Personal and home finances, Business solutions, security and reference and educational.

Computer support form Microsoft makes tackling the computer much easier and effective. Some problems arise for no prior reason. Microsoft tech support team defines every single problem that may face your computer and a step by step guide of dealing with the situation. The support team does have a web site where anyone can interact with them on a one on one basis. The website provides several solutions in using Microsoft tools and products. Before making a request, you can go through the FAQ-frequently asked questions and increase your knowledge about computer programs and applications. There are as well newsgroups where you can learn more about the best ways of solving computer problems. Software problems are also tackled as well as other support options.

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Almost every employer has had the experience where they said to themselves, “If I had only known this person’s background, _____would have never have happened. The blank can be filled in with words like, tragedy, lawsuit, injury or even death. The bottom line is the best predictor of the future is the past. As an employer, you want to protect your business and it’s employees from legal action or physical harm by detecting potential problems BEFORE the hiring offer is made. Pre-employment (P-E) screening is an effective risk management tool that has been proven to significantly reduce the risk of a “bad hire”. Employers engage in P-E screening for many reasons: To DISCOURAGE APPLICANTS with something to hide. It is estimated that about 33% of the people who apply for a job put false

information on the application…from adding to their education or leaving out a criminal record. To ELIMINATE UNCERTAINTY in the hiring process. You don’t have to wonder if you did the right thing by hiring this person.

To demonstrate DUE DILLIGENCE. Employers have a reasonable duty to show care in the hiring process. That means an employer MUST take reasonable steps to determine if this employee is fit for a particular job.

It is COST EFFECTIVE. A company can spend a great deal of money to train a new hire, only to learn that person is not right for the job. The cost of a P-E screening is small when considering the cost to litigate a neglent hiring or retention suit.

It is important to understand that a P-E screening is aimed at how a person performed in the public aspect of his life with respect to former employers, his criminal record, and education…this is not an invasion of their privay. You have the right to know who is working for you.

As an employer, you need to know that a “bad hire” may result in: Lawsuits by a third party or current employees.Violence in the work place, loss of business, customers or both.Theft, embezzlement or even property damage.Time wasted in training.

The list goes on and on…but I think you get the idea.

Now that you know why it is important to have a P-E screening program in place or improve the one you have, now what? In house or out source? Who to out source to? All excellent questions which I will try to answer.

There is a growing trend among profitable companies to out source services that do not represent the company’s core strength. It is an ineffective use of their time AND energy ($ $ $ ) to attempt to perform services that a third party can perform efficiently and cost effectively. To do P-E screening in house, a company would have to devote time ($ $ $ ) to learning the many complicated state and Federal laws that goven what you can and cannot access. Laws such as the Fair Credit Reporting Act (FCRA)the Drivers Privacy Protection Act (DPPA) HIPPA and the Grann-Leach-Bliley Act to mention a few. An honest mistake made by a good employee doing the P-E screening could result in a Civil Rights Violation suit filled by the applicant. If that were not enough, more valuable time ($ $ $ ) is spent tracking down the past employers, references or education institutions listed on the application. Don’t you have better things to do with your companies time than play “phone tag”?

Now that the decision to out source has been made you need to go to a professional pre-employment screening service. I recommend locating a LICENSED private investigation agency. No, they are not like the guys on TV (thank heaven). The vast majority are former law enforcement or federal agents who know the importance of P-E checks and have knowledge of the laws I mentioned earlier. Ture, there are hundreds of companies that will gladly take your money and access basically the same database that are availabe to you on the web. Most(if not all) private investigators use database companies that are ONLY available to licensed professionals. Sometimes,the information obtained is not complete, a pirvate investigator will to go the local court house to pull a record…not to many on line companies will do that. Some agencies will customize the searches so you are getting only what you pay for and neeed.

By turning your P-E needs to a licensed private investigator, you are freeing your HR department of this time ($ $ $ ) consuming and specalized task so they can devote their time to the many vital functions of a HR department. Now the employee that your have given the task of P-E screening is free to do your companies business. The best way to locate a licensed private investigator is by going to the National Association of Legal Investigators web site or your states private investigators professional web site.

The editor of The Metropolitan Corporate Counsel interviews Scott Shaffer, Vice President of Sale, Kreller Group.

Editor: Describe your activity and the services it provides to global companies?  Describe your staff?

Shaffer:  The Kreller Group, Inc. specializes in providing due diligence and background investigations worldwide on corporations and individuals.  We also conduct international credit queries and assist companies with collection efforts.  Specifically, my current responsibilities include:  proactive consulting with existing clients to address due diligence objectives, customizing due diligence programs for new customers, analyzing current trends regarding regulatory compliance, and working closely with domestic and international investigators to keep current on security issues.  Kreller’s staff is comprises of a team of licensed investigators and analysts with experience in federal, state and local law enforcement and case managers who interact with clients to determine due diligence objectives.  In addition, we utilize an exceptional network of global contacts and resources to assist with international groundwork.

Editor:  How should in-house counsel select an outside investigative firm?  How can costs be kept in line?

Shaffer:  In light of recent situations involving corporations using unprofessional investigators, in-house counsel should be very careful in selecting an outside firm to assist.  The first step would be to identify the situations in which outside agencies would be utilized and find firms that can assist with your particular research.  Professional associations, colleagues, and associates may provide a recommendation or referral.  Secondly, verify the company is licensed with no instance of improper or unethical investigations in the past.  Third, obtain references and speak directly with current clients.  Finally, have the firm sign a non-disclosure agreement, discuss price, turn time, contractual obligations, and expectations of investigations.
 
As for costs, I can only speak for our system of pricing; many investigative firms handle this differently than we do.  Before an investigator is hired to assist with research, they should be given a clear understanding of the objectives of the work to be performed.  How many companies?  Where are they located?  Are there individuals involved?  If so, how many?  Do they have affiliates or subsidiaries?  If so, where are they?  After the breadth of the investigation is understood, we prefer to give a cost and delivery time estimate based on our experience of the time and resources required to complete the project.  However, through the course of an investigation, we may uncover additional areas of research that may be of use to the client.  We then discuss it with the client and make a determination whether to proceed.

Editor:  What types of relationships require third party due diligence?

Shaffer:  Strategic Partnerships, Joint Ventures, Mergers and Acquisitions, Vendors, Customer Acquisition, Distributors, Upper Management Positions, Sales Agents/Consultants and License and Franchise Agreements.

Editor:  Describe the scope of the FCPA and U.S. Export Controls?  What are the penalties?

Shaffer:  The Foreign Corrupt Practices Act (“FCPA”) was passed by Congress in 1977 after federal investigations in the mid-1970s discovered over 0 million in suspect or outright illegal payments made by hundreds of American businesses to foreign officials to influence favorable business decisions.  Designed to ensure that American companies conduct international business ethically, the FCPA is jointly enforced by the Department of Justice and the Securities and Exchange Commission.  It consists of two parts:  anti-bribery provisions and accounting provisions.  Violations of FCPA carry both criminal and civil liabilities resulting in steep fines and imprisonment.  Business entities are subject to initial fines of up to million while individual officers, directors, stockholders, employees and agents may be fined up to 0,000 and imprisoned up to five years for criminal violations of the anti-bribery provisions.  Actual fines may be much higher according to the Alternative Fines Act.  Persons or firms violating the FCPA may still be subject to other governmental actions, including the suspension of government procurement rights (for indictment along) and suspension or refusal of export license, which can close the door for many businesses.  Not only is government enforcement of the FCPA increasing (a record 29 investigations of FCPA violations and 16 federal enforcement actions last year) but also more laws are being created and enforced to aggressively attack fraud, corruption, and bribery.  The Patriot Act was designed to prevent the financing of terrorism and money laundering by foreign and domestic criminals.  Sarbanes-Oxley is forcing companies to ferret out fraud.  Several other countries have adopted similar policies, largely resulting from global anticorruption initiatives from the Organization of Economic Cooperation and Development (OECD).

Editor:  We have talked about sanctions.  What other harms may befall an organization besides financial loss?

Shaffer:  Companies may lose their export license and/or government procurement rights, as well as experience adverse publicity, loss of shareholder confidence, weakened corporate integrity and damaged customer confidence.  Individuals directly involved may face imprisonment.

Editor:  In connection with M&A transactions and joint ventures, to what extent can you provide information about the other party and individuals involved?  Do you assist in due diligence?  What protective steps do you recommend?  Do strict privacy laws affect your activities in some countries?  Examples?

Shaffer:  In a typical JV or M&A transaction, we research the company and principals, as desired by the client.  Principals may include, but are not limited to, beneficial owners, senior management and other key individuals.  Our investigation would include:  corporate record research, media review, criminal/civil checks, business/partnership affiliation, and discussion with regulatory agencies, reference/employment/education verification and an exhaustive review of Denied Party Lists.  If possible, I would recommend a thorough questionnaire and authorized consent to be completed by the subject and any individual of potential interest to adhere to various privacy laws globally.  Privacy Laws, even with authorized consents, limit our ability to access or obtain certain information.  For instance, the Data Protection Act, which impacts the United Kingdom and most of the European Union, forbids formal criminal queries.  These privacy laws are becoming more commonplace both in the U.S. and internationally and will most likely continue to increase.

Editor:  Describe the dynamic between investigator and in-house counsel.

Shaffer:  The process of performing an investigation begins with a consultant (case manager) acquiring information on the subject and developing an understanding of specific objectives and concerns for the case at hand.  This information and understanding is then passed on to the investigative team where a lead investigator assumes control of the process.  The lead investigator disseminates the information to appropriate agents and contacts with the region and country of focus and the investigation is started.  During the investigation, it is essential that the client and case manager maintain communication channels.  As the investigator begins “digging up” business intelligence, the ultimate objectives of the investigation may change and additional work may or may not be needed.  Due to their complexity and sensitivity, some investigations require the “do whatever it takes” approach.  But, not every situation warrants tens of thousands of dollars to be spent on obtaining background information.  More often than not, clients have specific issues that can be addressed while keeping costs controlled.  For the process to succeed, the company and outside investigator must focus on the goal of the research, which is to produce a precise evaluation of the legal and commercial risks posed by an association with a third party.

Editor:  What are the advantages in utilizing an outside investigative agency?

Shaffer:  For clarification, outside investigative agencies should not replace your own internal due diligence efforts.  Firms should be utilized to supplement and increase the amount of information you have on which to base your business decision.  Investigative agencies offer an unbiased review of the potential target and should bring to light any derogatory information.  They may have experience and expertise in a region of the world where you may feel inadequate with your own capabilities.  Experience has demonstrated that time and money invested in due diligence investigators has saved many corporations from financial disaster and irrevocable reputation embarrassment.

Editor:  Can you provide recent examples in which derogatory or deal-breaking information was found?  How do you separate fact from fiction?

Shaffer:  A business development manager of a major U.S. energy concern located a sales agent in the Middle East who promised he could deliver on government contracts.  Before engaging him, the development manager reviewed the terms with the legal/compliance department.  They in turn asked the development manager to have the sales agent complete an application and authorization, in which he agreed that he understood the FCPA and had no ties to government officials.  Through the

The liabrary provide facility to more knowledge to people. That is very important in study line or jobs time. Liabrary give more knowledge. The opti-mum knowledge of foreign languages varies with the type of library work to be performed. Opportunities the availability of library careers at any …
In the traditional sense of the word, a library is a collection of books and periodicals. It can refer to an individual’s private collection, but more often it is a large collection of information resources and a group of services that is funded and maintained by a city or institution. In this sense, it is not merely a collection, but an organized collection, intended for use, accompanied by a group of services for users. This collection and the services are often used by people who choose not to or cannot afford to purchase an extensive collection themselves, who need material no individual can reasonably be expected to have, or who require professional assistance with their research.

To design, write, and test programs.
L’s dedicated online volunteer staff answers reference questions for visitors of the IPL. In the traditional sense of the word, a library is a collection of books and periodicals. It can refer to an individual’s private collection, but more often it is a large collection that is funded and maintained by a city or institution. This collection is often used by people who choose not to or cannot afford to purchase an extensive collection themselves. The Library of Congress is the nation’s oldest federal cultural institution and serves as the research arm of Congress. It is also the largest library in the world, with more than 130 million items on approximately 530 miles of bookshelves. The collections include more than 29 million books and other printed materials, 2.7 million recordings, 12 million photographs, 4.8 million maps, and 58 million manuscripts.

Type of Liabrary

Academic library:
These libraries are located on the campuses of colleges and universities and serve primarily the students and faculty of that and other academic institutions. Some academic libraries, especially those at public institutions, are accessible to of the general public in whole or in part.

School libraries:
Most public and private primary and secondary schools have libraries designed to support the curriculum.

Research libraries:
These libraries are intended for the purpose of supporting scholarly research, and therefore maintain permanent collections and attempt to provide access to all necessary material. Research libraries are most often academic libraries or national libraries, but many large hare research libraries within their special field and a very few of the largest Public Libraries also serve as research libraries.

Public libraries or public lending libraries:
These libraries provide service to the general public and make at least some of their books available for borrowing, so that readers may use them at home over a period of days or weeks. Many public libraries also serve as community organizations that provide free services and events to the public, particularly children.

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All other libraries fall into this category. Many private businesses and public organizations, including hospitals, museums, research laboratories, law firms, and many government departments and agencies, maintain their own libraries for the use of their employees in doing specialized research related to their work. Special libraries may or may not be accessible to some identified part of the general public. Branches of a large academic or research libraries dealing with particular subjects are also usually called “special libraries”: they are generally associated with one or more academic departments. Special libraries are distinguished from special collections, which are branches or parts of a library intended for rare books, manuscripts, and similar material.

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Many potential library patrons nevertheless do not know how to use a library effectively. This can be due to lack of early exposure, shyness, or anxiety and fear of displaying ignorance. These problems drove the emergence of the library instruction movement, which advocates library user education. Library instruction has been practiced in the U.S. since the 19th century. One of the early leaders was John Cotton Dana. Library instruction is closely related to the study of information literacy.

There are five Govt engineering colleges & also three state govt universities which impart engineering education in Punjab. In addition there is also one Govt. aided college in the state. There are two more national level Govt colleges namely NIT-Jalandhrar & PEC-Chandigarh but here we are listing only state level institutes which fall under the Punjab Technical University counseling. Earlier the admissions were granted on the basis of state level combined entrance test called PTU-CET, now the CET has been discontinued & admission will be carried out on AIEEE rank basis. The other state candidates are also eligible to apply & take admission in engineering colleges of punjab on the basis of their AIEEE rank under 15% all india quota.

1. Guru Nanak Dev University, Amritsar: The University is located in Amritsar city, a business hub of punjab & run the courses in computer science engineering & electronics & communication engineering etc. The core braches of engineering like civil, electrical, mechanical are not available. However this is the most preferred institute of the students who want to study CSE & ECE branches.

University also runs two regional centers, one each at Jalandhar & Gurdasspur.

2. Punjabi University Patiala: This is also a Punjab Govt funded university & has set up a university college of engineering with in its premises. The UCOE offers courses in CSE, ECE & Mechanical engineering. This is the 2nd most preferred institute of the state.

The university is also running two more institutes for engineering studies at Talwandi Sabo & Rampura Phul which however comparably are not as good.

3. Giani Zail Singh College of Engineering & Technology: Named after the former president of India,  was the first engineering college established by the state Govt in the year 1989.The college is located at Bathinda, the fifth biggest city of Punjab & is well connected with road & rail links with other parts of India. The college is having big premises of around 200 acres with sprawling lawns, play grounds & open spaces. The infrastructure is good & faculty is highly qualified & experienced. The only drawback is loose management.

4. Beant college of Engineering & Tech. Gurdaspur: This is another Govt engineering college named after the former chief minister of the state of Punjab with lot of similarities with GZSCE except location.

5. Shaheed Bhagat Singh college of engineering & Tech: Situated at Ferozepur, a border town of Punjab in 125 acre premises, the college has good infra & faculty. The offered courses include all popular as well as the core branches of engineering.

6. MIMIT Malout: The latest in the Punjab Govt established engineering colleges is Malout Institute of management & information Technology.

7. Baba Hira Singh Bhattal Institute of Engineering. & Tech: This is the last in the series of Govt established colleges & is named after a freedom fighter for independence of India. This is the least preferred Govt engineering college due to its odd location in village Lehragaga..

8. Punjab Agricultural University: The premium University for Agriculture Studies also runs a sectoral branch of engineering called Agricultural Engineering.

9. Gurunanak Dev Engineering College Ludhiana: This is one of the oldest engineering colleges of Punjab & is financially aided by the Government. The college has great infra & top class facilities. Ludhiana is a city with lots of small & medium industrial units & is called Manchaster of India & so the location of the college is also very good & easily approachable to the companies for placement purpose. The only minus point is lots of reservation quotas & sub quotas which slightly pull down the student quality. Other wise the college is comparable to the India’s best engineering colleges.

List of all colleges:

Srno.         Name of the College/ Institute

1. Adesh Institute Of Engineering & Tech. Faridkot-Sadiq Road, Faridkot, Punjab-PTU

2. Akila Educational & Research Society Group of Institution, Akila Kalan, Distt. Bathinda, Punjab-  PTU

3.

Aman Bhalla Institute Of Engg & Tech. Jammu-Amristar Highway, Kotli, Pathankot Punjab,PTU

4.

Amritsar College Of Engg. & Tech. Bye Pass Amritsar, Punjab PTU

5.

Arya Bhatta College of Engg. & Tech.,. Vill Jodhpur Cheema, Barnala-Baja Khana Road,NH-71,Barnala), Punjab-PTU

6.

Asra College of Engg. & Tech. Near Channo, Sangrur-Patala Highway,Tehsil Bhawani Garh, Punjab-PTU

7.

Baba Banda Singh Engineering College Fatehgarh, Sahib, Patiala – 140 002, Punjab. Punjab-PTU

8.

Baba Farid College Of Engineering & Technology Vill. Deon Mustsar Road Bathinda Punjab-PTU

9.

Baba Hira Singh Bhattal Inst. Of Engg. & Technology, Lehragaga, Punjab-PTU (Govt. College)

10.

Baba Kuma Singh Ji Engg. College Gurdwara Guru Sar Satlani Sahib, Village & Po. Hushiar Nagar, Punjab-PTU

11.

Beant College Of Engg. & Tech. Gurdaspur, Amritsar, Punjab – PTU. (Govt. College)

12.

Bhai Gurdas Institute Of Engg & Tech. Patiala Road, Sangrur, Punjab- PTU

13.

Bhai Maha Singh College Of Engg Kotkapura Road, Muktsar, Punjab PTU

14.

Bharat Institute of Engg. & Tech ,Sardolgarh, Mansa Punjab-PTU

15.

Bhutta College Of Engg. & Tech. V.P.O. Bhutta Dist. Ludhiana, Punjab- PTU

16.

BIS College of Engineering & Technology Gagra-142043 (Distt- Moga),Punjab –PTU

17.

CGC- Faculty of Engg. Gharuan, Mohali, Punjab-PTU

18.

Chandigarh Engineering College Landran Mohali -140307 Punjab-PTU

19.

Chitkara Institute Of Engg. & Tech. Vill. Jansla, Teh. Rajpura, Patiala 140401 Punjab-PTU

20.

College Of Engineering And Mngt. 5th Km Stone, Goindwal Road, Kapurthala-144601 Punjab-PTU

21.

Continental Institute of Engineering and Technology Village Jalvehra, G.T. Road, (Fatehgarh Sahib ) Punjab-PTU

22.

CT Institute Of Engg. Mgt. & Tech. Vil. Shahpur, Teh. & Dist. Jalandhar, Punjab – PTU

23.

CT Institute Of Technology Vill Shahpur P.O. Udopur, Jalandhar, Punjab-PTU

24.

D.A.V Institute Of Engineering And Technology Kabir Nagar, Jalandhar Punjab-PTU

25.

Desh Bhagat Engineering College Amloh Road, Mandi Gobindgarh, PTUPunjab

26.

Desh Bhagat Foundation Groups of Institutions Ferozepur Road, Moga, Punjab-PTU

27.

Doaba Faculty of Engg. & Tech. Vill Chhokran, P.O Rahon ,Tehsil & Distt. Nawansharhr, Punjab-PTU

28.

Doaba Inst Of Engg & Technology(Diet) Vill Ghataur Po Allapur Teh Kharar Dist Ropar, Punjab-PTU

29.

Doaba Women Institute Of Engineering & Technology Vill Ghataur, Distt. SAS Nagar Mohali, Punjab-PTU

30.

Ferozepur College of Engg. & Tech. Vill Ferozeshah Distt. Ferozepur,

31.

GGS College Of Modern Technology Kharar, Sas Nagar, Punjab-PTU

32.

Giani Zail Singh,College Of Engineering & Tech. Bhatinda, Punjab-P. (GTUovt.College)

33.

Global College Of Engineering & Technology Kahnpur Khui, Tehsil Anandpur Sahib Distt Ropar Punjab- PTU

34.

Global Institute Of Mgt & Emerging Tech Vill. Sohian Khurd, Amrtisar – Batala Road, Amirtsar Punjab-PTU

35.

Gulzar Institute of Engg. & Tech. G.T Road, Libra, Tehsil khanna, Punjab-PTU

36.

Guru Gobind Singh College Of Engg Talwandi Sbo (Bathinda) Punjab G.T.Road, Punjab-PTU

37.

Guru Nanak Dev Engineering College Ludhiana – 141 006, Punjab-PTU (Govt. Aided College)

38.

Guru Nanak Institute of Engg. & Managment Vill Naushehra, Tehsil & Distt. Hoshiarpur, Punjab-PTU

39.

Guru Ram Dass Institute of Engg. & Tech. Village : Lehera Bega Bathinda – Barnala Road, Punjab-PTU

40.

Guru Teg Bahadur Khalsa Inst. Of Engg. & Tech. Chhapian-Wali Malout, Punjab-PTU

41.

Ghubaya College of Engineering & Technology,Village Sukhera Bodla Jalalabad (W) Distt. Ferozepur, Punjab-PTU

42.

Gian Jyoti group of institutions ,Banur Ambala Road,shambu kalan,patiala, Punjab-PTU

,

43

IITT College Of Engineering Pojewal Distt. Nawanshahar. PunjabTU-P

44

Indo Global College Of Engineering Abhipur Chandigarh Punjab-PTU

45.

Institute Of Engineering & Technology Po Mianpur, Dist Rupnagar Ropar Punjab, PTU

46.

Jasdev Singh Sandhu Institute Of Engineering & Technology Patiala, Punjab-PTU

47.

K.C. College Of Engg. & Inform. Tech. Vpo-Kariam, Teh. & Dist. Nawanshahar Punjab

During these trying economic times, college students across the country are seeking credit cards that offer low interest rates, no annual fees, and valuable rewards that can be earned and used within a short period of time. At a time when everyone’s nerves are frayed because of uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – the importance of building and maintaining a strong credit history. Student credit cards are tailored to help students with limited credit histories do just that. Visit www.goodstudentcreditcard.com for a list of some of the best credit cards for student applicants issued by Discover, Chase and Capital One.

Student applicants should understand that responsible credit card use can lead to a lifetime of low-interest rate loan opportunities. The operative word is “responsible” — if you can’t afford to buy it, you should consider saving up until you can. Stated bluntly, unless you have cash in your wallet to cover your credit card charges, you should do your best to exercise restraint. Credit cards are most beneficial to students who can afford to pay their balance in full every month. It is important to understand that credit card companies profit from compounding interest on unpaid credit card balances. If students use their credit cards and pay only the minimum balance every month, the probability is extremely high that they will quickly fall into the debt trap presently affecting so many Americans. It is a hole that is very hard to dig out of.

In these tough economic times, where credit is getting more difficult to come by, it is important to create a strong credit profile by establishing credit early and maintaining a consistent payment history. Student credit card applications can be completed online in a few short minutes. Just visit www.studentreditcardoffersonline.com to apply.