Should University Education Be Free For All?

Education is the most critical and pressing issue for the development of any country and more and more reforms are brought in this sector with the passage of time. No one denies the sheer role and significance of education in making a better nation and a progressive world. Where many people manage to get primary and secondary education, provided free in most of the countries, it is difficult to most in getting themselves equipped with the higher or university education due to the high cost/fee. Hence, there has always been this debate of whether the university education should be free for all.

For most of the people say that it should be free as getting knowledge is a basic right and it should not come with a price tag. Most of the people cannot afford the huge cost of higher education and many of the future Einstein and Marx are wasting their abilities and talents due to the inaccessibility to the universities and university education which makes education a privilege of a particular class instead of everyone’s basic right. When more people get higher education, there will be more jobs available for them and the rate of unemployment will be reduced alleviating the poverty in the society and leading it towards advancement and prosperity. Another argument for the free university education goes with the principle of equality where everyone has a right to have equal opportunity and in making university education free, this principle of equality can be fulfilled in converting it into a reality on pragmatic grounds out of the antique box of theory. If higher education is free, thousands of young boys and girls would be able to get education instead of bearing the burden of part time jobs in fulfilling the university expanses.

There is other side of the coin too and which is not in favor of free university education that brings gargantuan burden on the shoulders of the government.

There is a lot of investment required and the cost of higher education is too high that it becomes indispensable for the people to share some of the burden of the state which does not have ample resources and money for free university education. Though there can be, as there are, more special students loans and scholarships in aid of the students who cannot afford the cost of higher education. Another argument is that if university education is free, there will be a descend in the value of higher education as there will be less money to pay for the professors and staff and many other university resources (related to technical education at higher level). Hence there is a danger of a low quality education once it has been made free for all like water in an ocean.

To conclude, where we can see many hurdles in the way of free university education we can also see the example of Germany in making its higher education free. Much can be learnt from the Germany’s experience or experimentation (hitherto to see) in making university education free for all.

A Healthy Detox Recipe For All Ages

Go to any grocery store and you will see aisle after aisle of heavily processed foods. The idea was to preserve foods to feed the ever growing mass public. That goal has been achieved but at a heavy price. On a daily basis our bodies are subjected to chemicals, pesticides, fungicides, MSG, air pollutants, water pollutants and there is almost no way to get away from it. We now live in an age where detoxing our bodies is not just a luxury but a necessity.

The average American diet is over acidic due to our current lifestyle. That means we are open to all types of disease. The liver, kidneys and all other organs in the body are heavily taxed. With a little education and perseverance you can take control of your own health and start to look and feel better. After all, are we not looking for quality of life? This is hard to do when you are feeling sluggish, tired and weak!

Here are some foods that really feed and cleanse the body:

Water

Most Americans are semi dehydrated and don’t even know it. It is pretty well known that you are supposed to drink approximately 8 glasses of water per day. Do you know when you haven’t been drinking sufficient water? If your urine is dark, that is an easy way to tell if you have not had enough water.

Citrus fruit

Lemons, grapefruit, oranges and limes are packed with delicious nutrients and also hydrate the body. You can do the body a lot of good starting your day with fresh lemon juice in warm water.

Green foods

Such as all forms of lettuce, cabbage, watercress, spinach, broccoli and sprouts. Their anti-oxidant properties, mineral content and chlorophyll, all work their magic on the body.

Nuts and seeds

Eating raw nuts and seeds give us the natural good fats and protein and also have some anti-cancer properties, especially in almonds, pine nuts and sesame seeds. Pumpkin seeds are also good for getting rid of parasites.

Colorful fruits and vegetables

We want to eat lots of these. The nutrient value is unmatched. We also get a lot of fiber from eating fruits and vegetables and that keeps our digestive system working properly.

Here is a healthy recipe that tastes great and feeds and cleanses the body;

Summer Salad with Citrus Vinaigrette

In a salad bowl combine, lettuce of your choice, spinach leaves, watercress, chives, mandarin orange slices and sesame seeds.

To make the vinaigrette, combine ½ cup fresh orange juice, the juice of 1 fresh lemon, the rind of the orange and lemon,1 tbsp olive oil, 1 tbsp apple cider vinegar, 1 tbsp Dijon mustard, 1 tbsp honey and pepper to taste. Mix well and pour over salad.

Keep in mind that we want to reduce the amount of chemicals and pesticides etc., so choose organic foods and spices. It is well worth it in the long run for your health and well being.

If you are serious about detoxing and cleansing the body, then eat right, drink a lot of fluids and get some regular exercise. Our bodies were designed this way.

Currently, we live in a toxic world and the food industry is not likely to change its way anytime soon. It is up to us to create the demand for all natural food, and that is as it should be.

Good health to you!

Financial Education for School Children

Habits die hard. So, if we are going to be slaves of our habits, lets at least have good habits. If we stretch this point, it is easy to see the case for money and financial education for school children. Children are inherently curious about the things happening around them. However, in our day to day life, we take much of what we see for granted. Often times, children ask very interesting questions like “Where does money come from?”, “Why do prices of some goods keep going up while the prices of other goods keep coming down?”, etc. However, many adults are not able to answer these questions in a satisfactory manner. The climax of much of modern education is a job, which is something people have to endure to earn money. However, managing money and growing it, which are life skills are not taught to students at all. The parents don’t teach it, the schools don’t teach and in the end, we bring up yet another generation of clueless adults who fall prey to financial intermediaries. In order to break this vicious cycle, it is really important for parents to ensure that their children get right financial and money education.

Are there examples of financial education at an early age making a difference in anyone’s life? The answer is a resounding “Yes”! In fact, we don’t have to look beyond Mr. Warren Buffet. Buffet started saving and investing very early in his life. We all know that the key to unlock the power of compound interest is to start early. By the time an average adult is aware of all these facts, he is already in his mid thirties. As Malcolm Glad well mentions in his “Outliers”, it takes 10,000 hours of practice to become very good in any endeavor. Thus, it is abundantly clear that children are exposed to the concept of money and compounding at an early age. This will ensure that by the time they reach adulthood, they would have spent a few hundred hours, if not a few thousand hours pondering about making and managing money. The head start will help them lifelong as the early birds get the benefit of the compounding effect of their wealth.

Another advantage of teaching school students about finance is that they become confident of taking their own decisions. This means that they can do away with middle men like financial planners, brokers, insurance agents, etc. This leads to substantial savings in terms of money over a 20 year period. The savings are likely to be approximately 2% – 3% every year. This is not an insignificant amount and the end result is that the retirement nest egg of the adult who had the benefit of early financial education is way larger than that of a person who has to learn the lessons the hard way, if at all.

Real money education is based on a curriculum that is a synthesis of several disciplines – History, business, banking, economics, etc. The key is to integrate these concepts so that the children are confident of taking decisions in the real world. Traditional education stresses more on analysis than synthesis, but in real world most problems are solved by synthesis of ideas from several disciplines rather than through analysis.

To summarise, it is important for the parents and the school teachers to equip the children with money and financial knowledge to survive and prosper in today’s complex world. As financial products grow ever complex, a basic understanding of the fundamentals are the least that is required of any future adult to compete in the highly challenging world of tomorrow. So let us sow the seeds of financial knowledge in the minds of young children, so that they may reap the benefits in their adulthood.