7 Countries Where International Students Can Study For Free/Almost Free — Concierge Librarian


International students can study for free or almost free in many countries. College tuition fees are rising each day and this has put the dream of a college education out of the reach of many.   In order to get a college education, without drowning in debt, international students will have to think outside of the box.

Foreign Students

One such out of the box thinking is studying in a foreign country.   If you are not afraid of an adventure, then take a ride with me to seven countries where tuition is free or almost free for  foreign students. Not all these courses are taught in English and the universities are public/state universities.

7 Countries Where International Students Can Study For Free


Germany has become the country of choice for many international students.  Whether you speak German or English, there are plenty of options for any student.   Tuition is free for foreign students and the cost of living is not too bad either.  There are a few states that tuition but that is as little as 500 Euros per semester. Students can expect to pay less than 1000 Euros per month. Some schools may charge a minimal administration fee or semester contribution.


Many Universities in Sweden offer tuition waivers to international students.   Even though the tuition is not automatically free, the waiver will still make the cost much more affordable than many other universities around the world.  Cost of living is less than 1000 Euros per month per student.


Regardless of your nationality, there are no tuition fees to study in Finland.  The estimated living expenses for students will be less than 1000 Euros per month


State universities/colleges in Norway are tuition free for all students.  There is a semester fee of NOK 300-600 which has to be paid in order to take advantage of the many benefits that are offered to students.  The living expenses per month can run up to 1500 Euros.


If you have approximately 200 Euros, you can study at one of France’s top rated public university. Please note that some courses such as engineering or medicine tend to cost more and I am sure you can understand why.


Apart from minor registration fees, getting a College Education in Brazil is free.  Living expenses for students in Brazil are also very low, sometimes even lower than students studying in Europe.


Non EU students attending school in Austria can expect to pay about 800 Euros per semester for tuition and fees.   It gets even sweeter for students from least developed countries as they might be exempted from tuition fees depending on the situation.   Again the living expenses for foreign students can be less than 1000 Euros per month.

Disclaimer:  Please be sure to double-check with any university that you have chosen to make sure that your program is subsidized before enrolling


Study in Austria

Study in Brazil

Study in Finland

Study in France

Study in Norway

Study in Sweden

The post 7 Countries Where International Students Can Study For Free/Almost Free appeared first on Concierge Librarian.

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International students can study for free or almost free in many countries. College tuition fees are rising each day and this has put the dream of a college education out of the reach of many. In order to get a college education, without drowning in debt, international students will have to think outside of the box. One…

via 7 Countries Where International Students Can Study For Free/Almost Free — Concierge Librarian

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Google apps offering faster access to University Curriculums at a fraction of the Costs

Companies are starting their own universities and saving trees:

Are you registered for The Vault 2019 at: https://www.valuetainment.com The Vault is a 3 day conference with Patrick Bet-David that will be held in Dallas, TX aimed to help Students, Entrepreneurs, CEO’s and Executives get clear on what they need to do to reach their individual capacity. At this event, you’ll learn how to:

RECREATE YOURSELF You are where you are based on the way you view money, success, relationships and yourself. In order to recreate yourself, you will need a set of tools, strategies and mindsets to help you take that quantum leap to the next level.
IDENTIFY YOUR NEXT 3 MOVES Your next 3 moves may be different than someone else’s. At The Vault, we will identify your BEST next 3 moves in both your personal and business life.
SCALE IN GOOD OR BAD TIMES Many know how to win during good economic times but only a few know how to win during a recession or an economic collapse. The Forbes 400 is made up of leaders who knew how to anticipate, adapt and adjust swiftly to capitalize during bad times.
MESSAGE FROM PATRICK BET-DAVID Dear Entrepreneur, Over the years, many of you have asked me why I create content and openly share my strategies with you. The answer is quite simple yet emotional. Simple because I believe the strategies I share can get anyone results living in any country. Emotional because I know how close I was to giving up and just being average and ordinary. How close I was to just throwing in the towel. How close I was to believing my critics that I wasn’t good enough to compete in the market place. I never thought I would wake up one day running a financial firm with nearly 10,000 agents with Oscar De La Hoya as one of my investors. I never thought I’d create a brand called “Valuetainment” that inspires millions of Entrepreneurs around the world. I never thought I would get to a point of having billionaires, politicians, influencers and celebrities on speed dial. But something changed. I got CLEAR on what I wanted and who I wanted to be. I got CLEAR on a problem solving strategy that helped me in the war room, board room and the bedroom. I got CLEAR on effective strategies and hacks that helped me grow during good times and bad times. I got CLEAR on the type of a leader I want to be and the type of a team I want to build. This is why “The Vault” is an event you must attend in 2019. I truly believe Valuetainment will be known as the brand that inspired the next generation of great leaders, minds, innovators and Entrepreneurs around the world. I will also be unveiling the vision of Valuetainment at the conference. We are in search for leaders around the world and I can’t wait to meet many of you face to face in Dallas. Much love, Patrick Bet-David (Tweet: @patrickbetdavid) Visit the official Valuetainment Store for your entrepreneur gear: https://www.valuetainmentstore.com/ About Valuetainment: Founded in 2012 by Patrick Bet-David, our goal is to impact entrepreneurs around the world through value and entertainment. We are the #1 channel for entrepreneurs because of the best interviews, best how to videos, best case studies and because we defend capitalism and educate entrepreneurs. To reach the Valuetainment team you can email: marketing@patrickbetdavid.com Follow Patrick on social media: Website: http://www.patrickbetdavid.com Snapchat: betdavid19 Facebook:https://www.facebook.com/PatrickBetDa… Instagram:https://www.instagram.com/patrickbetd… Twitter:https://twitter.com/patrickbetdavid Linkedin:https://www.linkedin.com/in/patrick-b…

Does the state’s restaurant placard program offer too many chances?

A Waikiki buffet restaurant is no longer allowed to operate.

It is the third food establishment shut down by the Health Department after multiple violations.

“I didn’t know about their sanitary problems,” said Honolulu resident, Kim Jorgensen.

The red placard posted outside Makittii Hawaii located at 2380 Kuhio Ave. says it all.

“So for now the publics health is being protected by the closure of the facility,” said Peter Oshiro with the State Department of Health.

The Health Department launched its investigation into the restaurant on Oct. 13 after receiving a report of someone possibly getting sick.

Inspectors say they found multiple health violations that day for things like inadequate hand washing, stored food temperature violations and even the presence of insects and rodents.

The restaurant was issued a yellow placard on Oct. 13.

Does the state’s restaurant placard program offer too many chances?

Is the state giving restaurants cited for health violations too many chances?

That’s what KHON2 is asking after the recent restaurant shutdowns by the state.

Four days ago, the state Health Department issued Makittii Hawaii, a buffet restaurant in Waikiki, a red placard and closed its doors.

That’s after visiting the restaurant five times over a period of more than three weeks.

Health officials returned to Makittii Tuesday, not for an inspection, but to teach employees food safety lessons.

“Why does the state return so many times?” KHON2 asked.

“Well, we don’t think it’s so many times,” said Peter Oshiro with the DOH.

Oshiro said the placard program is successful, because the large majority of restaurants correct their violations. Two other restaurants on Oahu recently received red placards after multiple visits from the health department.

“What do you tell people who might think, it’s not protecting public safety because people could have gotten sick?” KHON2 asked.

“Again, it’s a weight off between what we’re finding in the establishment and whether or not they’re moving towards correction,” Oshiro said. “When we fine or suspend somebody, we’re litigating the solution. It’s very counterproductive, it costs the taxpayer a lot of time and money, because now I have to talk to the (attorney general)’s office. We have to issue formal legal documents.”

KHON2 went to Makittii to try to talk to the owner and observe the health department class, but no one responded.

But we did talk to a food safety consultant, Tom Frigge, about what he teaches employees.

“First you turn the water on, wet your hands,” Frigge said.

Hand-washing is the most basic lesson, but there are many others.

Frigge says anyone who works in the kitchen, who handles food, should carry a thermometer. He also says food temperatures in coolers should be checked twice a day.

So does he think the state’s placard program gives restaurants too many chances?

“It might be, yeah, because all during that time the public is at risk, isn’t it?” Frigge said.

Since Wednesday is a holiday, the earliest health inspectors could visit Makittii is Thursday.

If a green placard is issued, the restaurant could reopen.

Tempted by the New iPhone 7? Is it worth it?

Does the latest Apple offering have new features that justify the upgrade? Here’s how to decide if it’s worth it for you, and — if it is — ways to offset the cost.  By on September 8, 2015 / Photo (cc) by iTux
  •  Could it really be time for a new iPhone?

Just a year after it revealed the iPhone 6 and 6 Plus, Apple is expected to unveil its latest incarnation Wednesday: the iPhone 6S and 6S Plus, along with a slew of new products including Apple TV upgrades, tech industry analysts say.

The hype around Apple products is enough to exert a pull like few other brands. In the nine months ending June 2015, Apple reported in its most recent quarterly earnings statement, it sold 183 million iPhones.

Maybe you bought one; maybe you clung to an older model and you’re ready for a big change; or maybe you’re an Android or Windows phone fan. But before you are sucked into the Apple vortex, stop and think.

From our Solutions Center: Find a better cell phone plan 

Deciding whether to plunk down hundreds of dollars for the latest iPhone starts with what is important to you, says Money Talks News tech expert Dan Schointuch.

“Unless they’ve already identified some specific feature that they know they want, or their current 6 or 6 Plus is broken and not covered under warranty, then most people will probably be just as happy with the 6 as they would be with the 6S,” he said. The change from an iPhone 5 or 5S would be more substantial.

Still, if there is a feature that appeals to you, “it may be worth buying on that basis,” Schointuch said. For him, that feature is the camera, one of seven points to consider about whether the new iPhone will be right for you.

1. How important is the camera to you?

As earlier reported by Money Talks News, the new iPhone is expected to feature a 12-megapixel rear-facing camera, which allows users to take higher-resolution photos than the 6’s 8-megapixel camera.

It’s also expected to have enhanced 4K video, about four times higher resolution than the 1080p in current phones.

For MTN’s Schointuch, the camera specs are important.

“I tend to upgrade my phone each year for the camera improvements,” he said. “My feeling is that 10 years from now, when I can’t even remember what made the 6S different from the 6, I’ll still have all of the pictures I took with my phones, and I’d like those pictures to be as good as was possible at the time.”

Also, big for selfie shooters, the front-facing camera will go to 5 megapixels and a flash, up from 1.2 megapixels and no flash, tech-watcher 9to5mac.com said. Software modes will allow for slow-motion video capture and panoramas, it said.

2. How much speed and battery life do you need?

Apple’s A9 chip coming inside the 6S and 6S Plus will pack thousands more transistors than the A8 chip in the 6 and 6 Plus. That means, says 9to5Mac, greater performance and more energy efficiency in a chip about the same size as the A8. It also will come with 2 GB RAM, instead of 1 GB. To you, it means the phone should handle the higher resolution photos and videos as well as improved game graphics with ease and without running down the battery faster.

Apple will continue to offer 16GB, 64GB and 128GB capacity phones, but the smallest will fill up pretty quickly if you keep a lot of 4K videos on it.

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More At-Bats for B2C Startups in the Community

David Cummings on Startups

An entrepreneur recently asked me why we don’t have more B2C startups in town. Consumer startups, as opposed to business ones, have a lower success rate. Much like the movie business, even experts have a hard time telling what’s going to do well financially and what isn’t — it’s a “hits” business. With the continued success of Yik Yak here, there’s a renewed interest, and hope, in more B2C startups locally. What’s the solution? More at bats. More swings. More strikeouts. More hits.

Here are a few thoughts on more at-bats for B2C startups:

  • Incubators like Switchyards are working on developing institutional knowledge around what does, and doesn’t work, while catalyzing the community
  • More local success will result in more local hires that get exposed to consumer startups, and in turn they’ll start their own companies (success breeds success but there’s a chicken and egg problem to get it going)
  • More meetups, experience…

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How Saying “No” Will Help You In Business

Saying “No” Helps You Focus Your Services

As a full-time CEO and a part time writer, I have a lot of business on my plate, especially when it comes to writing. When it comes to writing, I could accept any number of projects, but when push comes to shove, it only makes sense to pick projects that interest me, that pay well, and that will help me build my career. It’s true that any number of people, at any time, might be knocking on my door and asking me to write for them, but it only makes sense to say yes if it helps me grow my business, or develop further personally or professionally. As a full-time CEO, most of my time is sucked away with my full-time business, so when it comes to writing, I only say yes to projects that really fall in line with my writing goals.b0f12f0f-9cc2-4058-ae64-b27af9a1090c-original

The same goes for you and your business. You’ll be surprised at how many services people will ask you to provide when they are happy with one service you have already provided them, but if it doesn’t fall in line with the kind of business you do, it will often end up sucking your time, and not paying off in the long run. Stick to what you know, and what you’re good at, and as you say “no,” you will be able to continually focus and fine-tune your services.

Make More Money And Save Time

Another reason to develop the habit of saying “no” when it’s appropriate is that it helps you make more money and save time. For example, you know exactly how many projects you can balance, how much time each project will take, and a quick cost analysis will tell you which projects make sense when divided up into an hourly, and which projects do not. If a project is going to suck so much time that you end up getting paid less than minimum wage for the hours put in to the project, it’s worth it to say no and accept a project bid that makes more financial sense.

Say No When You Don’t Have A Contract

Another time saying “no” will help you in business is when you don’t have a contract, or when the company hiring you is being weird about payment agreements. If you don’t feel comfortable that you will be compensated appropriately, or don’t trust the company you are doing business with, don’t be afraid to tell them no, and to put your time and energy into working for someone who is willing to sign a contract, and/or pay upfront.

What are some other times YOU think you should say “no” to business?

From My recent Blog https://shieldfunding.com/2015/04/how-saying-no-will-help-you-in-business/

It’s Warming Up – Look Back For The Baby

Central Insurance Companies

86499187How many of us have left a child alone in a car? Some people think, “I just need a minute to run in and do something.” But that minute often takes more than 60 seconds. I know it takes time to buckle a child into a car seat just to turn around and unbuckle them a few minutes later. My daughter-in-law is very picky (as she should be) about making sure the seat, buckles, and straps are all just right and that takes time. But she also knows it’s very important to get the child in and out each and every time and to do so in a safe manner.

WebMD states that more than 600 U.S. children have died from being left alone in a hot car. Christopher McStay, MD, an emergency room doctor and assistant professor of emergency medicine at New York University Langone Medical Center, states, “It…

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Driving to Mexico from California


What You Need When Driving to Mexico from California

Great beaches, friendly people, beautiful scenery — who wouldn’t want to visit Mexico? If you’re planning a drive south of the border, there are a few things you should know first so that your drive goes smoothly and safely.

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Entrepreneurs Drawn to Starting Incubators

David Cummings on Startups

Last week I was reading an article about a successful entrepreneur that had started an incubator to work on multiple startups simultaneously. Incubators, now called studios or labs, were popularized during the dot com boom, and most failed to work, leaving a negative connotation for many people. Now, the cost to start is 10x cheaper and there are millions of people with mobile broadband connections, making for a different dynamic compared to 15 years ago. While it is still expensive to scale, getting started is easy.

Here are a few ideas why entrepreneurs are drawn to incubators:

  • Timing a market is terribly difficult, so having multiple startups running simultaneously increases the chance of finding a fit
  • For many (most?) entrepreneurs, the starting part is more fun than the scaling part
  • Small, dedicated teams without a legacy customer base can innovate fast, making it more fun to see rapid progress
  • When…

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