Wednesday, September 7, 2016

Islamic State group: Turkey and US 'ready to invade capital'

Raqqa is considered the IS militants' de facto capital and its loss would be a huge blow
Turkey's President Recep Tayyip Erdogan has suggested he and the US are ready to drive so-called Islamic State (IS) from its Syrian stronghold of Raqqa.
Mr Erdogan said US counterpart Barack Obama floated the idea of joint action against the militants when they met at the G20 meeting in China.
He said Turkey would have "no problem" with such action.
Last month Turkey launched an operation inside Syria, targeting both IS and Kurdish rebels.
Turkish-backed militia drove IS from the border town of Jarablus, but Turkey has also been concerned with checking the advance of Kurdish forces whom it regards as terrorists.
The offensive continues, and Russia, who is allied to Syrian President Bashar al-Assad says it is deeply concerned by the movement of Turkish forces deeper into Syrian territory.
Mr Erdogan's comments on Raqqa were published in Turkish media. There has been no confirmation from the US.
"Obama wants to do some things jointly concerning Raqqa," Mr Erdogan said. "We said this would not be a problem from our perspective.''
"I said 'our soldiers should come together and discuss, then what is necessary will be done'," Mr Erdogan added.

Mr Erdogan gave few other details but said more discussions would follow.
Raqqa's fall was a key point in the rise of IS as it seized swathes of territory in Iraq and Syria, and is now considered the jihadists' de facto capital.
Between 250,000-500,000 people are still thought to live there, with brutal stories emerging of the treatment of civilians.

Analysis: By Jonathan Marcus, BBC Defence & Diplomatic Correspondent

Through its large-scale incursion into northern Syria, Turkey has made itself a military player in the country.
But Ankara's move, directed in part against Kurdish forces backed by Washington, prompted serious strains in US-Turkey relations, already poor in the wake of the failed coup against the Erdogan government.
There is now a desire on both sides to improve ties and the suggestion from President Erdogan of US acquiescence in a Turkish role in the wider battle-plan to recapture Raqqa from IS is clearly part of this.
It would be an acknowledgement by Washington of Turkey's continuing strategic interest in Syria.
No details have been given as to what a Turkish role might amount to but clearly if Raqqa is attacked then the zone approaching the Turkish border to the north of the city needs to be secured to block the withdrawal of fleeing IS forces.

Calais migrants: Work to start on UK-funded wall..



Construction of a UK-funded wall near Calais' so-called Jungle migrant camp will begin very soon, a minister says. Dubbed the "Great Wall of Calais" by some media, the 4m (13ft) wall will run for 1km (0.6 miles) along both sides of the main road to Calais port. Home Office minister Robert Goodwill said security was being "stepped up" as migrants continue to try to board vehicles heading to Britain. But a lorry drivers' group called the wall a "poor use" of public money. Work is expected to start this month, with the wall due to be finished by the end of the year. Numerous fences have been built to protect the port, the Eurotunnel terminal and train tracks on the other side of Calais, and the BBC understands the wall will not replace any of those. Calais migrants 'very aggressive' Lorry driver describes attack Calais chief wants new deal with UK The government refused to confirm the cost of the wall, but reports suggest a £1.9m price tag - to be paid for out of £17m announced by David Cameron earlier this year.



Speaking to the Home Affairs Committee of MPs on Tuesday, Mr Goodwill said: "The security that we are putting in at the port is being stepped up with better equipment.
"We are going to start building this big new wall very soon. We've done the fence; now we are doing a wall."
But Richard Burnett, chief executive of the Road Haulage Association, called the plan a "poor use of taxpayers' money".


He said funding for a wall "would be much better spent on increasing security along the approach roads".


'Chaos reigns'

Vikki Woodfine, of law firm DWF, works with many hauliers and said a wall "isn't the answer".
"It is simply a knee-jerk reaction that is unlikely to make a difference in the long run - particularly since the route to the Calais port is already surrounded by fences and barbed wire," she said.
She said the "real problem" was a lack of policing.

"Chaos reigns in the Calais region, yet hauliers are being fined up to £4,000 per migrant found in their vehicle," she added.

Many of the migrants living at the Jungle and other camps in northern France attempt to reach the UK by boarding lorries as they approach ports or the Channel Tunnel.
Last month, BBC footage showed people-smugglers wielding sticks and dragging a felled tree onto the main Calais port road to stop lorries and allow migrants to climb on board.
On Monday, French lorry drivers and farmers blockaded the main motorway route into Calais in a protest calling for the closure of the Jungle.

Tuesday, July 26, 2016

Best universities in Canada 2016


Canada is home to some of the top universities in the world. In fact, 25 Canadian institutions are counted among the top 800 in the world.
You might not have heard of all of them, but with seven top 200 universities, Canada’s top colleges offers plenty of opportunities for a world-class education.
Compared with the United States, Canada can also provide cheaper study options, simpler application processes and more opportunities for permanent residency. 

Canada’s top two universities – the University of Toronto and the University of British Columbia – score particularly highly for research impact, which means its schools are producing high-quality academic work that is well respected.
The University of British Columbia is ranked in 34th position in the overall World University Rankings, and 25 per cent of its student population are international, the same proportion as at the University of Montreal, ranked just outside the top 100.
Many of Canada’s universities are well known for promoting a global outlook through enrolling international students, hiring international faculty and encouraging international collaborations, meaning that you can expect a cosmopolitan feel on campus.
According to CBIE’s International Student Survey, more than 90 per cent of students surveyed were satisfied or very satisfied with their studies in Canada, and 95 per cent would recommend Canada as a study destination.

Top 5 universities in Canada

1. University of Toronto

Originally controlled by the Church of England, the first university founded in the colony of “Upper Canada” is structured as a collegiate system, much like prestigious universities in the UK. The 12 colleges all have different histories and features.
The University of Toronto (UofT) has many pioneering achievements to its name, including being Canada’s first academic publishing house, the first forest science faculty in the country, and becoming the first Canadian university to reach more than C$1 billion in endowment.
Influential academic movements began at the university, including the Toronto School of literary criticism and communication theory, the NP-completeness theory in computer science, and research into stem cell treatment.
UofT’s downtown campus contains several historic buildings and courtyards that will impress European visitors sceptical of the architecture in North America.
More than 700 undergraduate degrees and 200 postgraduate degrees are on offer at the university. In particular, the university is one of the best in the world for medicine, and is also renowned for subjects across arts and humanities, science and technology.
It has a particularly large student population – more than 60,000 full-time students, of whom about 15 per cent are international.
Notable alumni of the university include five Canadian prime ministers and the writers Michael Ondaatje and Margaret Atwood. In total, 10 Nobel laureates are associated in some way with UofT.

2. University of British Columbia

The oldest university in the province, the University of British Columbia (UBC) is one of the most competitive in Canada.
There are two campuses, one in Vancouver and one in Kelowna. The main campus in Vancouver is near several beaches and boasts views over the North Shore mountains. There are a number of botanical and memorial gardens on the campus, and a renowned performing arts centre.
UBC offers a number of scholarships for students, including the Donald A. Wehrung International Student Award for candidates from war-torn countries.
Seven Nobel prizewinners are associated with the university, as are 69 Rhodes scholars and 65 Olympic medallists.
The world’s largest cyclotron – a type of particle accelerator – is housed at UBC, in TRIUMF, the country’s national laboratory for particle and nuclear physics, based at the university.
Students and researchers are organised into 12 faculties on the Vancouver campus and a further seven on the Kelowna campus. UBC offers a special undergraduate programme joint with Sciences Po – a higher education institution in Paris.
In total, more than 50,000 full-time students are enrolled at UBC, and a quarter of them are international.
Three Canadian prime ministers have been educated at UBC, including Justin Trudeau, the current prime minister, who graduated with a bachelor of education degree.

3. McGill University

McGill University is the only Canadian institution in the Global University Leaders Forum in the World Economic Forum, whose members are 26 of the world’s top universities.
It was founded in 1821, and the main campus is at the base of Mount Royal in downtown Montreal. Most university buildings are in a park-like campus, where many first-year students also live.
All original buildings were constructed using local grey limestone, giving the campus a striking aesthetic that earned it the title of one of the 17 most beautiful campuses in the world.
In 1829, McGill founded the nation’s first faculty of medicine, and to this day the university scores particularly highly in world rankings for clinical subjects.
The university offers more than 300 different degree subjects to more than 40,000 students from 150 different countries. It counts itself as one of Canada’s most internationally diverse institutions.
Singer-songwriter Leonard Cohen is a graduate of McGill, as is actor William Shatner. The university also claims more Rhodes scholars than any other Canadian university.
Entering students have higher average grades than those at any other university in the country.

4. McMaster University

Just one hour’s drive from Toronto, McMaster University is home to about 23,000 students – far fewer than its rivals at the top of the ranking.
Nonetheless, McMaster alumni can be found in 140 countries all over the world. Many graduates go on to secure top academic, public sector and business jobs.
The medical school, founded in 1965, is particularly renowned.
Next door to the campus is the Royal Botanical Gardens, connected to campus by walking trails. Buildings on campus range from those built in the early 20th century to the new nuclear research facility, which opened just five years ago.
The McMaster Nuclear Reactor is the largest university reactor in the Commonwealth, and the second largest in North America.
McMaster’s Museum of Art has the highest number of visitors for any university-affiliated museum in the country. It houses a collection worth $98 million including pieces by van Gogh and Monet, and the most extensive collection of German Expressionist prints in Canada.
The university, particularly the medical school, pioneered what it calls a unique student-centred, problem-based, interdisciplinary style of learning, which is now the model for several other universities around the world.

5. University of Montreal

The only francophone university in the top five, the University of Montreal is the second largest university in the country in terms of student numbers, with more than 50,000 enrolled. A quarter of all students are international.
The University of Montreal’s main campus is on the slope of Mount Royal. The landmark tower was built in the Art Deco style in the 20th century.
Seventy-four per cent of the student body is enrolled on an undergraduate degree. A students’ union represents both undergraduate and postgraduate students, and there are three fraternities and sororities affiliated to it.
University sports are a popular recreation – the teams are known as the Carabins and compete in badminton, Canadian football and hockey, among other sports.
Many renowned business leaders are graduates of the university, including the CEO of the United Technologies Corporation. Other graduates are noted for their contributions to scientific research, including innovations in nuclear power, visual perception, and quantum cryptography.
Ten premiers of Quebec are graduates of the university, in addition to many other government officials educated there.

Top universities in Canada 2016

Canada Rank
World University Rank
University
Region
1
19
University of Toronto
Ontario
2
34
University of British Columbia
British Columbia
3
38
McGill University
Québec
4
=94
McMaster University
Ontario
5
=113
University of Montreal
Québec
6
137
University of Alberta
Alberta
7
179
University of Waterloo
Ontario
=8
201–250
University of Calgary
Alberta
=8
201–250
Dalhousie University
Nova Scotia
=8
201–250
Laval University
Québec
=8
201–250
University of Ottawa
Ontario
=8
201–250
University of Victoria
British Columbia
=8
201–250
University of Western Ontario
Ontario
=14
251–300
Queen’s University
Ontario
=14
251–300
Simon Fraser University
British Columbia
16
301–350
York University
Ontario
=17
351–400
University of Guelph
Ontario
=17
351–400
University of Manitoba
Manitoba
=19
401–500
Concordia University
Québec
=19
401–500
University of Saskatchewan
Saskatchewan
=19
401–500
Université du Québec à Montréal
Québec
=22
501–600
Carleton University
Ontario
=22
501–600
Memorial University of Newfoundland
Newfoundland and Labrador
=22
501–600
University of Regina
Saskatchewan
=22
501–600
Université de Sherbrooke
Québec

SunTrust Private Student Loan Review



SunTrust is a decent option for borrowers with excellent credit who’ve maxed out their federal aid and need more money to cover their educational expenses. The bank offers multiple opportunities to shave down your interest rate, including up to a 0.5% reduction if you set your payments to come out of your bank account automatically.
But SunTrust’s loans don’t stack up to federal programs, which offer better borrower protections — such as income-driven repayment — that could make your payments as low as $0 per month. To see if you’re eligible for federal aid like grants and loans, fill out the Free Application for Federal Student Aid, orFAFSA.

At a glance

  • Interest rates: 4.6% to 10.37% (fixed). 3.74% to 9.09% (variable).
  • Six-month grace period and seven-, 10- or 15-year terms.
  • Interest-only payments for 12 to 24 months; deferment and forbearance options available.
According to Mark Smith, SunTrust’s executive vice president and specialty consumer lending portfolio manager, the average amount borrowed is about $12,000. The servicer for SunTrust student loans is American Education Services, so that’s where you’ll make all payments.
Generally, the minimum you can take out is $1,001, with several state-based exceptions. You can take out up to $65,000 per year and up to an overall maximum of $150,000. If you take out a graduate or business school loan, you can borrow up to $95,000 per year and $175,000 overall.

Do you qualify?

MINIMUMAVERAGE
FICO credit scoremid-600s750
In addition to your credit score, SunTrust also takes into account your existing debts, payment history, number of years in school and several other factors. You need an income to qualify, unless you’re applying for its business or graduate school loan. SunTrust student loans are not available to permanent residents of Iowa or Wisconsin.
If you don’t meet the minimum qualifications, you can apply with a co-signer, as about 90% of SunTrust student loan borrowers do, according to Smith. Co-signers can be released when you make 48 consecutive on-time payments, or 36 consecutive on-time payments if you take out a private loan through Union Federal, a subsidiary of SunTrust.
Once you submit your application, you’ll know almost instantly if you’ve been approved. From there, you can choose from different repayment options and terms.

Repayment options

Like most private student loan companies, SunTrust offers borrowers enrolled in school several repayment options:
  • Defer payments.
  • Immediately make full payments (both interest and principal).
  • Make interest-only payments.
  • If your loan is $5,000 or more, you can also make partial-interest payments of $25 per month.
If you choose not to make payments while you’re in school, the interest that’s been adding up since you took out the loan will becapitalized, or added to your principal balance, when you start making your regular monthly payments. That may increase your monthly payment amounts and will cost you more in the long run.
Once you start making regular payments, your minimum monthly payment will be $50 regardless of how much you took out or how long your loan term is.
If you have trouble making payments, you have the option to make interest-only payments for 12 to 24 months. Forbearance is also an option. That means you’d stop making payments for three months at a time, for up to 12 months over the life of your loan. Interest would still accrue on your account and would be capitalized afterward.
SunTrust recently released a new feature: in-school refinancing. That lets you refinance your existing student debt and roll it into the current loan you’re applying for. If your credit has improved dramatically since you took out your first loan, it could be a good opportunity to get a lower rate. However, refinancing probably won’t be a good idea until after you graduate, when it’s more likely that you’ll have a steady income and good credit.

Where SunTrust shines

OPPORTUNITIES TO LOWER YOUR INTEREST RATE

SunTrust offers borrowers multiple chances to lower their interest rate, including:
  • A 0.25% interest rate reduction for automatic loan payment withdrawal on all loan types.
  • An additional 0.25% interest rate reduction when payments are made automatically from a SunTrust bank account.
  • A 0.25% interest rate reduction with 36 consecutive on-time payments on a Union Federal Private Student Loan.
If you apply by Aug. 31, 2016, you can get an additional 0.25% interest rate reduction through a seasonal offer from the company. Bonus: There’s a 1% principal reduction per loan at graduation.

Where SunTrust falls short

INTEREST RATES ARE HIGHER THAN FEDERAL RATES

Compared with federal rates, which are currently 3.76% on direct loans for undergraduates, SunTrust’s fixed rates can’t compete. If you’re willing to opt for a variable interest rate, there’s a chance that your rate could be 3.74%, but it could change depending on the state of the market. In general, it’s best to go for fixed over variable rates.

FEWER BORROWER PROTECTIONS THAN FEDERAL LOANS

SunTrust, like most private lenders, doesn’t offer the same borrower protections as the federal government. That means you won’t have the safety net of income-driven repayment or forgiveness programs to prevent you from defaulting if you can’t keep up with monthly payments