American/ Foreign Universities and FEES

Institution

Study Group Price

Spring 2011

Study Group Price

Fall 2011

Estimated Published

Price Fall 2011

Albright College $38,033 $39,496 $43,888

Alfred University $36,500 $37,490 $39,463

Baldwin Wallace College $33,412 $33,762 $35,538

Dean College $40,777 $41,954 $44,161

Elmira College $45,240 $46,980 $50,593

Fisher College $37,355 $38,759 $40,799

Florida Southern College $31,720 $32,940 $35,331

Indiana Institute of Technology $31,928 $33,156 $35,484

Lasell College $37,716 $38,182 $40,190

Long Island University $41,796 $42,792 $43,991

Manhattan College $38,103 $39,230 $41,294

Marietta College $36,570 $37,164 $39,119

Merrimack College $40,508 $42,066 $44,684

New England College $38,956 $39,412 $41,485

Pacific Lutheran University $36,898 $38,096 $40,100

Sierra Nevada College $29,861 $34,322 $36,128

Trine University $33,937 $33,674 $35,445

Webber International University $26,463 $26,326 $27,712

Western New England College $39,520 $41,040 $44,918

Woodbury University $38,364 $39,840 $42,475

Start Dates 2011/2012

Late August and January

Mid August and January

Mid August and January

Early September and January

Late August and January

Early September and January

Late August and January

Late August and January

Early September and mid January

Late August and January

Late August

Mid August and January

Late August and January

Late August and January

Late August and February

Mid August and January

Mid August and January

Late August and January

Mid August and January

Mid August and January

Universities in the

USA

your pathway to academic success

Undergraduate Price Guidelines

Student Advising and Support Service

Prices are for one academic year and include full-time tuition, accommodation and meals.

Study Group prices include insurance and airport pick-up.

universities

intheusa.com

For more information on how to apply:

Student Enrollment Advisors, Study Group USA

Level 2, 330 7th Avenue, New York NY 10001

T +1 212 497 8386 F +1 415 373 9374

Institution

Estimated 2011

Published Price

2011 Study Group

Price

Alfred University

MBA (30 Credits) $36,889 $35,044

Counseling (62 Credits) $75,298 $71,533

Education (30 Credits) $36,889 $35,044

Engineering (30 Credits) $22,206 $21,095

Fine Arts (60 Credits) $43,531 $41,354

Baldwin-Wallace College

MA.Ed Educational Technology (34 Credits) $22,313 $21,197

MA.Ed Literacy (34 Credits) $22,313 $21,197

MA.Ed Mild/Moderate Educational Needs (42 Credits) $27,563 $26,184

MA.Ed School Leadership (42 Credits) $27,563 $26,184

MA.Ed Teaching and Learning (36 Credits) $23,625 $22,444

MA.Ed Leadership in Higher Education (46 Credits) $30,188 $28,678

MBA - Systems (40 Credits) $34,860 $33,117

MBA - Accounting (36 Credits) $31,374 $29,805

MBA - Entrepreneurship (40 Credits) $34,860 $33,117

MBA - Executive Management (38 Credits) $47,124 $44,768

MBA - Health Care Mgmt (38 Credits) $33,117 $31,461

MBA - Human Resources (37 Credits) $32,246 $30,633

MBA - International Business (40 Credits) $34,860 $33,117

MBA - Sustainability (37 Credits) $32,246 $30,633

Indiana Institute of Technology

MBA (42 Credits) $19,845 $18,853

MS Engineering Management (42 Credits) $22,050 $20,948

MS Management (42 Credits) $19,845 $18,853

MS Police Administration (33 Credits) $15,593 $14,813

MBA/MS Management (60 Credits) $28,350 $26,933

MBA/MS Engineering Management (60 Credits) $29,610 $28,130

Lasell College

MS Communications (36 Credits) $20,790 $24,900

Universities in the

USA

your pathway to academic success

Graduate Price Guidelines

Prices are for the entire program and do not include accommodation or meals.

Study Group prices include airport transfer and insurance.

universities

intheusa.com

For more information on how to apply:

Student Enrollment Advisors, Study Group USA

Level 2, 330 7th Avenue, New York NY 10001

T +1 212 497 8386 F +1 415 373 9374

Institution

Estimated 2011

Published Price

2011 Study Group

Price

Long Island University

MS Accounting (30 Credits) $31,683 $30,099

MS Adolescence Education (Grades 7-12) (49 Credits) $51,274 $48,710

MS Advanced Practice Nursing (39 Credits) $40,963 $38,915

MS Applied Mathematics (36 Credits) $37,870 $35,976

MA Art (36 Credits) $37,870 $35,976

MS Art Education (36 Credits) $37,870 $35,976

MA Clinical Art Therapy (48 Credits) $50,243 $47,731

MS Biology (36 Credits) $37,870 $35,976

MBA Business Administration (48 Credits) $50,243 $47,731

MS Cardiovascular Perfusion (54 Credits) $56,429 $53,608

MS Childhood Education (Grades 1-6) (39 Credits) $40,963 $38,915

MS Clinical Laboratory Management (36 Credits) $37,870 $35,976

MS Clinical Laboratory Science (36 Credits) $37,870 $35,976

MS Criminal Justice (36 Credits) $37,870 $35,976

MS Early Childhood Education (Birth to Grade 2) (39 Credits) $40,963 $38,915

MS Earth Science (32 Credits) $33,745 $32,058

MSEd Educational Leadership (36 Credits) $37,870 $35,976

MA English (33 Credits) $34,776 $33,037

MS Family Nurse Practitioner (46 Credits) $48,181 $45,772

MFA Fine Arts & Design (60 Credits) $62,616 $59,485

MS Genetic Counseling (60 Credits) $62,616 $59,485

MPA Health Care Administration (48 Credits) $50,243 $47,731

MA History (36 Credits) $37,870 $35,976

MS Information Systems (36 Credits) $37,870 $35,976

MS Information Technology Education (36 Credits) $37,870 $35,976

MA Interactive Multimedia (36 Credits) $37,870 $35,976

MA/MS Interdisciplinary Studies (36 Credits) $37,870 $35,976

MS Library & Information Science (36 Credits) $37,870 $35,976

MS Library & Information Science/School Media Specialist (36 Credits) $37,870 $35,976

Universities in the

USA

your pathway to academic success

Graduate Price Guidelines

Prices are for the entire program and do not include accommodation or meals.

Study Group prices include airport transfer and insurance.

universities

intheusa.com

For more information on how to apply:

Student Enrollment Advisors, Study Group USA

Level 2, 330 7th Avenue, New York NY 10001

T +1 212 497 8386 F +1 415 373 9374

Institution

Estimated 2011

Published Price

2011 Study Group

Price

Long Island University

(cont.)

MS Literacy Education (30 Credits) $31,683 $30,099

MS Management Engineering (36 Credits) $37,870 $35,976

MS Mathematics for Secondary School Teachers (37 Credits) $38,901 $36,956

MS Medical Biology (36 Credits) $37,870 $35,976

MS Mental Health Counseling (60 Credits) $62,616 $59,485

MS Middle Childhood Education (Grades 5-9) (49 Credits) $51,274 $48,710

MA Music (36 Credits) $37,870 $35,976

MS Music Education (36 Credits) $37,870 $35,976

MS Nursing Education (33 Credits) $34,776 $33,037

MS Nutrition (36 Credits) $37,870 $35,976

MA Political Science (36 Credits) $37,870 $35,976

MA Psychology (36 Credits) $37,870 $35,976

MPA Public Administration (48 Credits) $50,243 $47,731

MS School Counseling (48 Credits) $50,243 $47,731

MSEd School District Business Leader (36 Credits) $37,870 $35,976

MSW Social Work (60 Credits) $62,616 $59,485

MA Spanish (36 Credits) $37,870 $35,976

MSEd Special Education (30 Credits) $31,683 $30,099

MA Speech-Language Pathology (58 Credits) $60,554 $57,526

MS Taxation (30 Credits) $31,683 $30,099

MA Teaching English to Speakers of Other Languages (TESOL) (36 Credits) $37,870 $35,976

MA Theater (36 credits) $37,870 $35,976

Manhattan College

MS Engineering (30 Credits) $23,683 $22,499

M.Ed School Counseling (36 Credits) $23,541 $22,364

M.Ed Mental Health Counseling (60 Credits) $39,165 $37,207

M.Ed Special Education (33 Credits) $21,588 $20,509

Universities in the

USA

your pathway to academic success

Graduate Price Guidelines

Prices are for the entire program and do not include accommodation or meals.

Study Group prices include airport transfer and insurance.

universities

intheusa.com

For more information on how to apply:

Student Enrollment Advisors, Study Group USA

Level 2, 330 7th Avenue, New York NY 10001

T +1 212 497 8386 F +1 415 373 9374

Institution

Estimated 2011

Published Price

2011 Study Group

Price

Marietta College

MA Corporate Media (37 credits) $24,864 $23,621

MA Education (33 Credits) $12,474 $11,850

MS Physician Assistant Studies (104 Credits) $68,537 $65,110

MA Psychology (36 Credits) $24,192 $22,982

New England College

MA Education (36 Credits) $15,120 $14,364

MS Higher Education Administration (40 Credits) $16,800 $15,960

MS Human Services (36 Credits) $17,955 $17,057

MS Management (36 Credits) $17,955 $17,057

MS Mental Health Counseling (60 Credits) $29,925 $28,429

Pacific Lutheran University

MBA (45 Credits) $46,683 $44,349

MA Marriage & Family Therapy (46 Credits) $44,194 $41,984

MS Nursing (95 Credits) $68,705 $65,269

Trine University

ME Engineering (32 Credits) $19,820 $18,829

MS Criminal Justice (36 Credits) $22,235 $21,123

MS Leadership (36 Credits) $22,235 $21,123

Webber International University

MBA (36 Credits) $23,986 $22,787

Western New England College

MS Applied Behavior Analysis (36 Credits) $33,037 $31,385

MBA (36 Credits) $25,931 $24,634

MBA - Sport (36 Credits) $25,931 $24,634

MS Accounting (30 Credits) $21,609 $20,529

MS Engineering (30 Credits) $28,886 $27,441

MS Engineering Management/MBA (54 Credits) $51,994 $49,394

Woodbury University

MBA (36 Credits) $33,742 $32,055

M.Arch Architecture (72 Credits) $70,270 $66,757

Universities in the

USA

your pathway to academic success

Graduate Price Guidelines

Prices are for the entire program and do not include accommodation or meals.

Study Group prices include airport transfer and insurance.

11443U 04/11

pre-masters

2011 price

fall

2011 Price

one semester

spring

Tuition $6,888 $7,056

Comprehensive Fee (Per Semester) $1,948 $1,903

Internet Connection Fee (Per Semester) $62 $60

Study Care Insurance $360 $360

Orientation Fee (One Time Only) $180 $175

Airport Pickup $295 $295

two semesters

Tuition $11,885 $12,175

Comprehensive Fee (Per Semester) $1,948 $1,903

Internet Connection Fee (Per Semester) $62 $60

Study Care Insurance $650 $650

Orientation Fee (One Time Only) $180 $175

Airport Pickup $295 $295

J ame s Madi son In te r n a t ion a l Study Ce n te r

p r i c e g u i d e l i n e s

foundation diploma

2011 price

fall

2011 Price

two semesters

spring

Tuition $16,398 $16,998

Comprehensive Fee (Per Semester) $1,948 $1,903

Internet Connection Fee (Per Semester) $62 $60

Study Care Insurance $650 $650

Orientation Fee (One Time Only) $180 $175

Airport Pickup $295 $295

Room & Board (Per Semester) $3,947 $4,004

three semesters

Tuition $23,524 $24,250

Comprehensive Fee (Per Semester) $1,948 $1,903

Internet Connection Fee (Per Semester) $62 $60

Study Care Insurance $880 $880

Orientation Fee (One Time Only) $180 $175

Airport Pickup $295 $295

Room & Board (Per Semester) $3,947 $4,004

four semesters

Tuition EAP $4,997 $5,500

Tuition $23,524 $24,250

Comprehensive Fee (Per Semester) $1,948 $1,903

Internet Connection Fee (Per Semester) $62 $60

Study Care Insurance $1,095 $1,095

Orientation Fee (One Time Only) $180 $175

Airport Pickup $295 $295

Room & Board (Per Semester) $3,947 $4,004

jmu.edu/isc

For more information on how to apply:

United States - International Admissions Center

Level 2, 330 7th Avenue, New York NY 10001 T +1 212 497 0050 F +1 212 497 0045

james madison university

11395U 01/11

With competitive tuition fees and living expenses, Royal Roads University programs offer great value

to international students. Best of all, with the accelerated degree completion option, it may be possible

to reduce the cost of a world class undergraduate degree by 25%.

Great Value

‡ Airport transfer is by private car from Victoria International Airport

(YYJ) directly to Royal Roads University, one way.

* O n acceptance.

** Custodianship and monthly monitoring is mandatory for students

of 18 years and under.

Accommodation Pricing

Adults (age 19+)

Single room, shared bathroom, full board (3 meals per day)

$3,294 per academic year semester

Private bathroom (supplement) $545 per semester

Homestay placement fee* $220

Refundable security deposit* $500

Minors (age 18 and under)

Single room, shared bathroom, full board (3 meals per day)

$3,400 per academic year semester

Private bathroom (supplement) $545 per semester

Monthly monitoring and reporting** $280 per semester

Custodianship registration fee** $250

Homestay placement fee* $400

Refundable security deposit* $500

Private accommodation

Private accommodation options will only be available

to students aged 19 years or over. Prices for private

accommodation are available upon request.

Program Pricing

(per semester)

Undergraduate Degree $8,000

Pre-Master’s Program $8,500

English For Academic Purposes $4,990

Foundation Studies $6,000

Ancillary Fees

Insurance 1 semester $221.00

Annual $605.00

Airport transfer (one way)‡ $95

Undergraduate Student Services fee* $187

RRU Student Association fee* $204

All prices are quoted in Canadian Dollars.

Semester Dates

September 7th – December 20th, 2011

January 9th – April 20th, 2012

May 7th – August 17th, 2012

September 5th – December 18th, 2012

www.royalroads.ca/internationalpathways 23

Air Strikes on ISIS MILITANTS

Air Strikes on ISIS MILITANTS Just like in Afghanistan where a deadly jihadist group, the Taliban through the barrel of gun took over power, in no time other religious sects in that country were shown what the test of pepper and potash is and not only that the State and state machinery became a potent instrument of state sponsored terrorism against citizens and nations. The ISIS militants has now carved out a portion of Syria and Iraq and call it a fancy name that makes the militants happy and like in Afghanistan have already started showing other people from other sects the test of sulphur. That is the first stage once they manage to consolidate they are going to make that their fancy country a hot bed for state sponsored terrorism! The US, UK and other well meaning global players must stop the Isis militants at all cost. I encourage the US to intensify bombardment of the militant’s facilities where ever they are found and when convenient special-forces should be sent in to deal with the militants. However once the madness in the brains of those militants are thrashed out then the government in Iraq in particular must reform and have an all inclusive government to accommodate what ever reasonable interest of the militants. Away from Iraq the US must also take measures serious enough in corroboration with President Jonathan as regard the Boko haram elements in the North East of Nigeria. They could attempt what the Taliban did in Afghanistan and what the Isis militants are trying to do in Iraq if they could have their way! When they have their way they could also export their violence to any where including US and UK. For instance the identified sponsors of the group in Nigeria should immediately be blacklisted by the US and UK and to start with; place a travel ban on all of them to freezing any account or any business they may have in UK or US as soon as possible. I am sure this will no doubt send right signal to the Boko Haram and their sponsor particularly leaders of any political parties sponsoring the crazy group.

President Putin’s Land Grab!

President Putin’s Land Grab! The world should not forget in a hurry the fatal inaction by Winston Church Hill and other European powers against the land-grab moves of Adolf Hitler between 1936 to 1938 which eventually lead to World War II with attendant loss of life close to 50 million lives and unprecedented destruction of properties.

AIICO INSURANCE PLC UNIQUE PRODUCT CAP

Date: ------------------

Attention: -------------------------

-------------------------------------

-------------------------------------

-------------------------------------

Dear Sir,

PROPOSALS ON THE CASH ACCUMULATION PLAN (CAP) & CHILDREN EDUCATION PLAN (CEP).

I am pleased to enclose a copy of our proposal on the Cash Accumulation Plan & Children Education Plan for your kind consideration.

For further clarifications please do not hesitate to call me.  I am available for a meeting on receipt of a short notice.

Thank you for your co-operation.

Yours faithfully,

OPARA MARTINA

AGENCY MANAGER

08033251956

01-7375571.

INTRODUCTION

I would like to introduce our company – Aiico Insurance Plc (AIICO) and some of its products to you.

Aiico Insurance plc commenced operation in 1963 as a collection centre, and was incorporated in 1990. To date, Aiico has become the largest life. Insurer in Nigeria.

The company’s success has been the result of the ability to evaluate its potentials, set realistic goals and make necessary actions to achieve them.

In recognition of her achievements; the company has worn many laurels. In 2007 Aiico Insurance won the president’s merit award of the Nigerian Stock exchange for the insurance sector.

Aiico is reputed for quality insurance services and prompt settlement of claims. It is recognized not only for its size and delivery network, but also for the range of products it offers. We are able to tailor specific insurances to meet your needs.

Aiico has a customer- driven policy of rendering prompt and efficient services, making use of ultra modern information technology and top class professionalism we are reputed for quality insurance services and prompt settlement of claims.

1)    THE CASH ACCUMULATION PLAN (CAP). The Aiico Cash Accumulation Plan is a multi benefit plan that protects and pays one even when one is still living.

The program has duration of 12years, 15yrs, 18yrs and 21yrs. The individual who is younger can choose a longer duration which reduces his premium (The regular amount he pays annually or semi annually).

2)   INSTALMENTAL PAYMENTS: The insured can receive his face amount in three installments and so does not have to wait till the final maturity e.g. 12years. For a 12years plan and a sum assured (Insurance value or face amount) of N5, 000,000 for example;

1^st payment                      -                  25% of N5m          - at the 4^th year,

                             (N1, 250,000).

2^ND payment                    -                  25% of N5m          - at the 8^th year

 (N1, 250,000).

3^RD payment                              -                  N100% of N5m      - at the 12^th year,

(N5, 000,000)

           +

                   plus accumulated yearly bonuses

PROTECTION

Provides for full payment of the face amount (N5, 10m, N20m) plus bonuses in the event of death of the policy holder during the period of insurance even before the first installment is due.

·         If death occurs at any time after the instalment payment has just been paid, the full face amount of N5m, N10m, N20m plus all bonuses will be paid without making deductions for the installments already paid.

MATURITY BENEFITS

·         It is not compulsory to take the installmental payments. The money may be left

with Aiico at a good interest. In this case the individual will receive the money

multiplied as the accrued reversionary bonuses, interest on investment of

installments and the full face amount will be paid at the maturity.

·         Where the installments have been paid the accrued reversionary bonuses in addition to the full face amount (N5m, N10m N20M) will be paid at the maturity.

INVESTMENT OF INSTALLMENTS

     You can use the installments anyway you like.

(a)    Invest in your business or anywhere else at a good rate of return.

(b) Leave the money with aiico at a high rate of interest which will be               communicated to you at the time.

(c) Use the money for children education.

(d)         Use the money for other urgent needs.

LEVEL PREMIUM

While enjoying increasing protection and a growing investment fund your

premium will remain the same throughout the duration of the policy.

ACCIDENTAL BENEFITS

Accidental death benefits are offered where death occurs by accident. While a monthly income is offered for permanent and total disability.

WAIVER OF PREMIUM

In the event of disability due to sickness or accident, premiums which falls

within the period of disability and incapacitation will be waived.

The policy will however remain in force as if the policy holder was paying

premiums normally.

In order to rate a premium on the above product the following information is required from the proposed insured.

(1)          -   Amount of Insurance (Sum Assured)

(2)         -   Age

(3)         -   Duration

However, the following illustrations are based on examples of N10m & N50m Insurance for 18 years duration at ages 35 to 50 years.

(1)          N10m for 18yrs at ages 35 – 50

AGE (YRS)	ANNUAL PREMIUM(N)	SEMI ANNUAL PREMIUM (N)
35	928,300	482,716
36	934,800	486,096
37	936,900	487,180
38	939,300	488,436
39	942,100	489,892
40	944,200	491,244
41	953,200	495,664
42	957,200	497,744
43	961,500	499,980
44	966,400	502,528
45	971,800	505,336
46	982,500	510,900
47	989,000	514,280
48	996,200	518,024
49	9,004,200	522,164
50	1,013,000	526,760

(2)         N50m for 18yrs at ages 35- 50yrs.

AGE (YRS)	ANNUAL  PREMIUM(N)	SEMI ANNUAL PREMIUM(N)
35	4,611,300	2,397,876
36	4,642,800	2,414,260
37	4,653,300	2,419,716
38	4,665,300	2,425,956
39	4,679,300	2,433,236
40	4,692,300	2,439,996
41	4,734,800	2,462,096
42	4,754,800	2,472,996
43	4,765,820	2,478,226
44	4,800,800	2,496,416
45	4,827,800	2,510,456
46	4,876,300	2,535,676
47	4,707,320	2,573,896
48	4,949,800	2,573,896
49	4,989,800	2,594,696
50	5,033,800	2,617,576

          CHILDREN EDUCATION PLAN (CEP)

-      This policy provides payment of annual premiums for periods ranging

from 10 to 25yrs.

-      Guaranteed payments of school fees in the event of death, total and permanent disablement of the parent/guardian.

-      Provides for payment of a lump sum at maturity when the child enters university (or secondary school.

-      Provides for return of premiums in the event of death of the child before the maturity of the plan.

-      The fund may be transferred to the benefit of any other child of the policy holder in the event of the beneficiary.

-      In the event of death of the policy holder.

-      Future premiums will be waived

-      A monthly income of 1% of the sum assured (N100, 000 monthly incomes for N10m sum assured) will be paid to the policy holder.

-      On maturity, the agreed fund (sum assured) will be paid for the child’s education.

In order to rate a premium on the above product the following information is required from the proposed insured.

1)    -        Amount of insurance (sum assured)

2)   -        Age

3)   -        Duration.

The following illustration is based on the example of an N10m for 15yrs at ages 35 – 50yrs.

AGE (YRS)	ANNUAL PREMIUM(N)	SEMI ANNUAL PREMIUM(N)
35	620,300	323,556
36	625,800	325,416
37	632,300	328,796
38	639,400	332,488
39	647,900	336,908
40	637,300	341,796
41	667,400	347,048
42	688,800	358,176
43	646,400	336,128
44	725,800	377,416
45	746,900	388,388
46	766,000	398,320
47	799,400	415,688
48	828,800	430, 976
49	860,800	447,616
50	896,300	466,076