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21 Desember 2008

Berminat Sekolah Di Tohoku University Japan

International Graduate Program for Advanced Science (lGPAS)-Application deadline is January 31, 2009

International Graduate Program for Advanced Science (IGPAS) is an interdisciplinary graduate program in the Graduate School of Science, Tohoku University . It was established in October 2004 as the first international graduate program founded in Japanese national universities. IGPAS offers courses in English for international students who are eager to obtain master’s and doctoral degrees from the Graduate School of Science. It is also aims to educate Japanese students to exert their abilities as internationally-active, professional scientists. IGPAS has proudly reserved positions of Japanese government scholarship for its master’s students since its foundation, and in 2008, IGPAS-Super Doctoral Course (SDC) has been started for doctoral students jointly with the Institute for the International Advanced Research and Education (IIARE) of Tohoku University . Students of IGPAS-SDC benefit from fellowship by IIARE to promote world top-level, interdisciplinary research at the Graduate School of Science.
Prospective students will have excellent opportunities to study modern science and conduct cutting-edge research with top-level scientists currently working at Tohoku University .

IGPAS is a 5-year graduate program as the combination of a 2-year master’s program and a 3-year doctoral program. In the interdisciplinary program, students are affiliated to one of six departments in three groups based on the GCOE programs: (i) Chemistry, (ii) Mathematics, Astronomy, and Physics, and (iii) Earth Science and Geophysics. The academic year of IGPAS starts in October. The Graduate School of Science will admit at most 20 students each for the master’s and doctoral programs for IGPAS 2009. As of December, 2008, availability of financial supports for IGPAS 2009 students is as shown below. See 7. FINANCIAL SUPPORT of the appplication booklet for the eligibility requirements. For a possibility of financial support other than the below, contact your prospective supervisor.

Master’s Program
Japanese government (MEXT) scholarship for 8 students
by The Ministry of Education, Culture, Sports, Science, and Technology (MEXT; Monbukagakusho)
• Monthly stipend of 170,000 yen/month for the first year and 160,000 yen for the following years
• Flight tickets between the country of the student’s nationality and Japan
?Exemption from application, admission and tuition fees.

Doctoral Program
IGPAS-SDC fellowship for 2 students
by the Institute of International Advanced Research and Education (IIARE), Tohoku University
• Monthly stipend of 200,000 yen/month
• 300,000 yen to compensate for admission fee
• 250,000 yen/semester to compensate for tuition
• Research grants of up to 500,000 yen/semester (up to 1,000,000 yen/year)

Please check 9. HOW TO APPLY and 10. APPLICATIN DOCUMENTS of the application booklet first, and then download required forms from the chart below. Additional documents are also required for application.
All Applicants

Form#1: Application for Admission 4p WORD
PDF

Form#2: Statement of Reason for Applying for the Program 1p WORD
PDF

Form#3: Research Proposal 1p WORD
PDF

Form#4: Summary of Past Research 1p WORD
PDF

Form#5: Recommendation Letter 1p WORD
PDF

Form#6: Official Recommendation Letter 1p WORD
PDF

Applicants for MEXT Scholarship
Application for MEXT scholarship Available around the end of December, 2008.
Applicants for SDC Fellowship
Form#A: Essay on Interdisciplinary Study Available soon.
Form#B: Application form Prospective Supervisor Available soon.
[Note]
—Please do not alter the prescribed format.??ttach an additional sheet if necessary.
—Form#5: Print 2 copies and provide 1 copy to each of your references.
—Form#6: It should be signed by the dean or higher official of your institution.
—Form#B: It should be submitted directly by the prospective supervisor.

Contact Information
Academic Affairs Section for IGPAS
Graduate School of Science, Tohoku University
6-3 Aramaki-Aza-Aoba, Aoba-ku, Sendai 980-8578 JAPAN
Email: direct?mail.sci.tohoku.ac.jp
?”?” is written in full-size in order to avoid junk mails. You need to change it to regular size(@) when sending an e-mail

04 Desember 2008

Investasi VS Menabung

Investasi VS Menabung

Berinvestasi dilakukan untuk sebuah tujuan spesifik dalam jangka waktu panjang. Sementara menabung hanya sebatas kegiatan menyisihkan uang untuk jangka pendek.
Masih banyak orang mengartikan sama antara menabung dengan investasi. Memang banyak yang tidak bisa membedakan kedua hal itu. Bahkan banyak pula yang tidak mengerti tentang tujuan menabung atau investasi.
Nah, ketidakjelasan untuk membedakan antara menabung dan berinvestasi pada dasarnya terutama pada :
• Tujuannya secara spesifik, contohnya diperuntukan untuk membeli rumah, biaya pendidikan atau persiapan pensiun.
• Berapa besarnya dana yang diperlukan untuk mencapai biaya tersebut.
• Kapan dan berapa lama waktunya agar tujuan yang diinginkan terwujud.
• Pilihan investasi yang tersedia untuk mencapai tujuan tersebut.
Menabung adalah kegiatan menyisihkan sebagian penghasilan kita, biasanya untuk jangka waktu yang pendek, tidak terencana dengan baik dan tidak mengacu pada besarnya dana yang ingin dicapai. Sedangkan melakukan investasi memiliki proses menabung terencana untuk mencapai tujuan tertentu dan memiliki cara untuk mencapai tujuan tersebut.
Berinvestasi akan memberikan lebih banyak keuntungan daripada menabung, karena dengan berinvestasi ada unsur perencanaan akan kebutuhan masa depan. Sedangkan menabung tidak jelas. Seseorang melakukan investasi karena dipicu oleh kebutuhan akan masa depan. Namun masih banyak diantara kita yang belum memikirkan kebutuhan akan masa depan.
Kita memang harus memiliki kesadaran akan hal-hal yang perlu dipersiapkan di masa datang, dengan mempertimbangkan biaya hidup yang semakin meningkat. Seseorang yang menyadari bahwa kebutuhan masa depan akan lebih besar tentu mereka akan mengelola keuangannya. Mereka akan melakukan perencanaan investasi dan juga melakukan proteksi untuk melindunginya, terlebih jika seseorang melakukan investasi karena dipicu oleh banyaknya ketidakpastian atau hal yang tidak terduga dalam hidup ini, seperti; kondisi kesehatan, keterbatasan dana, terkena musibah dan tingkat inflasi yang tinggi.
Investasi memungkinkan seseorang dapat memenuhi kebutuhan masa deepan, dapat mengedepankan prioritas kebutuhan dan perencanaa yang baik.

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