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TESTIMONIALS

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Herbert Thole
Bachelor of Public Health
June 3, 2022

“My name is Herbert Thole and I enrolled with Atlantic International University in the school for Social and Human Sciences, for a bachelor’s in public health on 24th November 2020. I have just completed my Bachelor’s degree in Public Health and successfully completed all the course requirements. It is my pleasure to write this experience letter expressing my highest regard to the value of knowledge and skills that I have acquired from studying at AIU. When I enrolled at AIU my goal was to work hard and attain the academic qualification at the end of my studies, but AIU changed my viewpoint of education. It has taught me the real value of education “that education has to meet the immediate needs of any student, be it improving the skills and knowledge to improve execution of daily task, time management, increasing personal income, organizational skills and overall, the attainment of the professional and academic goals”. The opportunity to create one’s own curriculum according to the individual needs is valuable and I was able to come up with the curriculum that addresses my personal educational needs. The timely assistance, work ethics and feedback from my tutors and academic advisor have really helped me ... READ FULL TEXT: https://www.aiu.edu/Testimonialdetail.html?It emID=1857&rcid=73&pcid=63&cid=73

Mikiesha Murphy
Bachelor of Accounting and Finance
May 25, 2022

“I was enrolled in the school of Business and Economics where I pursue my studies in Accounting and finance. My experience at AIU has been good. I commend the team at AIU for being well organized, accurate with data, the communication of coming events/ webinars etc. was excellent. I really appreciate the effort the team at AIU demonstrate to help students to grow in every area of their studies (library, webinars, articles etc.). Also, the tools available online to help us live a balanced life. I thank you for the opportunity to have studied at AIU, which has empowered me to make a difference in the world. I pray God’s richest blessing upon AIU and that God will continue ... READ FULL TEXT: https://www.aiu.edu/Testimonialdetail.html?It emID=1855&rcid=73&pcid=63&cid=73

Augustine Kaponge Chisalu
Master of Mechanical and Industrial Engineering
June 3, 2022

“Studying at Atlantic International University was a great opportunity in my career as an engineer. AIU made it possible for me to acquire my master degree in my life. Just from enrolment, I was given a chance to register into program with affordable fee and I was given a partial scholarship that made it easier for me to manage my tuition fee as I had a family to look after. I was inspired at the begin by my tutor on how to go about my studies and the benefit of studying on distance learning. This gave me courage to pursue my studies with Atlantic International University, meanwhile I am was working, which also gave hope to study because my family responsibility was secured and I could manage to pay tuition fees from my job. The first time I login on the platform, I was impressed with the education environment that allowed me to design my own curriculum. On the curriculum formulation, I managed to put the most subjects that my current job and career wise need most. With ... READ FULL TEXT: https://www.aiu.edu/Testimonialdetail.html ?ItemID=1858&rcid=73&pcid=63&cid=73

Stephen Okello
Bachelor of Environmental Engineering and Management
June 7, 2022

“I was accepted at Atlantic International University (AIU) on March 7, 2016 ... During my study, I experienced an imaginable professional assistance and/or support to achieve my academic and professional development goals through dedicated admissions counselor, Tutors and Academic Advisers with immense qualifications, experience, and expertise. The academic program design takes into consideration diversity, equity, and inclusion for all humans irrespective of location in terms of time difference and busy schedules. The flexibility of the program is amazing considering it’s self-instruct and individual curriculum development approaches coupled with accelerated completion option. Considering my admission time and the completion date, I would say without AIU my academic, professional development and financial goals would have been long forgotten. I am humbled being part of the AIU community. I look forward to further my academic and professional development goals ... READ FULL TEXT: https://www.aiu.edu/Testimonialdetail.html?It emID=1859&rcid=73&pcid=63&cid=73

Publications by Students: aiu.edu/StudentPublication.html

To educate ourselves for life

By Dr. Rosa Hilda Lora M. Advisor at AIU | rosa@aiu.edu

The concept of education always presupposes school education; education in a classroom or by following the online process. Education has different forms: education can be formal education and informal education. What is always there is to do something new based on concepts that we already have and new concepts that will give us a new element to our work, whether in science or in life. Formal education is that organized with a purpose and a process: we speak of programs, levels, Philosophy, Policies, areas of knowledge and certification. In this education there is a concept of human being, society and science. Sometimes they can be manifest and other times through the documents that the organization presents us, we can identify the mentioned aspects.

In informal education, education is what we learn from others or by ourselves. This education allows us to insert ourselves into a society regardless of formal education. Informal education is part of the group to which we belong to it identifies us as such even though we also have less knowledge of international society. We ask ourselves: why, with so many ways of learning, are we living in a time in history in which so much science and so much technology seems to be that we are not in the world in which we should live? What are we missing? What did we do wrong? What are we still doing wrong?

Doing a quick overview, what we notice at a general level, at a global level, is that this social group, which forms a nation, opposes what this other group, which forms another nation, says; that these human beings oppose what the others human beings say; even within the same country. It seems that we live confused between what is freedom and the union to achieve the ends and well-being for all. What is noticeable at first glance, more and more, is that there is an interest in having the best without caring about the other. There is no question if it is the best for me within my faculties. There is only: having and having at the cost of whatever and whoever.

What education have we forgotten that today is costing us lives and the planet? We are witnessing forest fires in Europe and the United States-USA. Lack of foods for certain human groups. We are living the consequences of undeclared wars. We are witnesses or victims of the great droughts. We see how politics is to find the way to govern for the enrichment of the group in power by bringing social forms of administration that are already proven not to work. The only thing that is constant is the economic interest at any rate: this culture claims to be the owner of knowledge, the other says: we are the owners of the money. No matter what kind of life; the planet in which only life is possible for us is claiming it from all sides. What have we not learned?

We have not learned values: we have not learned moral values; it’s not about religion. We have not learned to value the other. We have not learned to value life; the life of the planet and the life of every human being. We are on planet Earth but each one wants to be only owner. We need to learn the value of living with the other. We need to learn how to maintain the life of our planet. We need to learn moral values instead of reciting them to pass a course. We have to see the life of the planet. We have to see life in the other. We have to learn to live with the other. The education we have to offer, formal or informal, to all those who depend on us, is about what it is to be a human being. What we must re-educate ourselves in is what it is to be a human being.

The history of humanity is as follows: divide the execution of tasks between men and women. In the formation of human groups, women dedicated themselves to agriculture due to the sedentary lifestyle that it represents; the men on the hunt for the move behind the prey and the force that in some cases had to be done. Over the centuries the tasks have become more specific for each sex. With the development of science and technology we have not introduced the changes that human beings and society demand.

Today education and reeducation is necessary as to what it is to be a human being. A human being is someone who must carry out the necessary tasks and what we do is: since they were small, boys do this and girls do this other. Beings of the female sex are taught these tasks and they have been constituted in the tasks that are considered of lower rank. Male humans do tasks that indicate superiority. A man doesn’t cook because that’s a woman’s job. A man doesn’t sew a button because that’s a woman’s job. From a young age: the girl dresses in pink and the boy in blue. Today pink shirts are made but there are men who don’t wear them at all. When a boy is born in a family: How wonderful! When a girl is born: everyone is silent. In the workplace, today, women demand the same payment for the same work as a man. How long did it take women to be able to vote? How long did it take women to be able to study careers in which there are more men because it was considered that strength or more logical development was necessary? We have to educate and re-educate ourselves that we are human beings who can perform a high percentage of common tasks. We have to educate and reeducate ourselves, nowadays: the man is not the provider and the women the second in obtaining the goods for the family.

We have to educate ourselves and re-educate ourselves that life is more than possessing goods at any cost. We have to educate and reeducate ourselves that happiness is developing our personal skills instead of sinking someone in order to be important. We have to educate and reeducate ourselves that life has to be possible for everyone. We have to educate and reeducate ourselves to generate life on the planet, which is our only possible home so far. We have to educate and reeducate ourselves to be useful in all aspects because there shouldn’t be tasks for men and tasks for women. We have to educate and reeducate ourselves in that we are beings that should grow up with the same opportunities and the same rights. We have to educate and re-educate ourselves that happiness lie in the well-being of each one and in developing the skills that make us unique beings. At this time, Western society is involved in a war that will not stop for a long time and we are seeing diminishing resources, increasing inequalities and proven policies that do not generate good.

The East does not want to interfere in the problem of the West: they seek love of nature and acceptance of others. If we follow both in the West and in the East in what: We are the richest. We are the most cultural. Happiness is only achieved by having a lot of money. It doesn’t matter to sink the other as long as you have goods. Women are worth less than men. The planet will continue producing what we want. If we continue like this: we will continue in the crisis we are living nowadays.

BIBLIOGRAPHY. Savater, Fernando (2020). Reflexiones en mitad de la Crisis- Ethic. Retrieved from: https://ethic.es/2020/04/crisis-coronavirus-fernando-savater/

13 Investment mistakes and clues for avoidance

Ndawo Victorine | Doctorate in Quantitative Finance | Part 2/2

Mistake 3: Not determining the investor’s risk preference. Risk and uncertainties are avoidable aspects of all investments and they play a vital role in economic life and decisions. As a result it is important to understand the individual’s attitude towards risk. Otherwise, it could lead to investment mistakes and failure. Risk preference is one of the key ingredients that determines the financial decision of the investor or entrepreneur. They play a crucial role in: • Shaping the needs and demand for the type of debt requested. • The frequency at which the stocks/assets are traded. They also influence the acquisition of financial information.

When the risk preference of investors are well understood, it will determine and serve as a guidance that will order the choice and model of the portfolio generated. It may also form some sort of foundational guide lines to asset prices (Firth, 2015). It could contribute highly to the assessment and mitigation of financial mistake like not participating in insurance schemes and financial market. Once more, it helps to provide a conscious assistance to financial advisors and intermediaries to adhere with the protection of regulatory measures that often require adequate measurement and evaluation of risk preference before engaging to allocate any form of financial advice, (Guiso, 2013). Risk preference are the core to theories that govern the choice of the portfolio. Let’s observe the model below for risk preference:

Ω_i = (Er_i^e)/(λ_i γ_i^2) Source of equation: Household Finance; An Emerging Field, (Guiso, 2013). Where Ω_i Is the risky asset of the investor I Er_i^e is the excess return of the investor I γ_i is the parameter that captures the risk aversion; thus it gives the coefficient of the risk aversion of the individual investor λ_i is the return’s volatility of the risky security/asset. Determinants of risk preference. In this write-up, we will consider only risk aversion as the major determinant of risk preference. The following factors serve for the determinants of the risk preference of an investor: • Wealth, investments and some factors on the environment. • The trend of risk aversion: this consist of looking on low risk aversion changes as time goes on. • The study of the sensitivity of taking financial risk with respect to investment on trading. • Consideration of some factors like regret.

Mistake 4: Over expectation or expectation based on another investor’s / advisor’s point of view In order to invest for long term, the investor has to create a portfolio of well diversified assets. The portfolio should incorporate an appropriate level of risk with all the returns inclusive. According to (Stammers, 2016), one can design the right portfolio but the returns on this portfolio cannot be controlled or predicted. If one succeeds to predict this returns or expectations, it means the market can be predicted. This is not possible. So, in order to even have an idea of what a return or expectation can be, a good idea of the goal, asset allocation must be properly understood and incorporated, (Mallouk, 2014).

Mistake 5: Buying at higher prices and selling at lower prices One of the basic principles of investing is to buy at lower prices and sell at higher prices. Many investors do not usually apply rational decisions at this point. Investors usually fall in the temptation of trying to maximizing short term returns so they sell lower than was bought.

Mistake 6: Failing to carry out adequate diversification There are so many market scenarios. So, the best way is to constitute a portfolio that is capable of appropriating the returns and the level of the risk involving all the market scenario is to diversity. Adequate diversification captures all market scenarios, (Park, 2017). Returns can be maximized by creating a large investment exposure in one asset. Even in investment one sector cannot work. This is because if the market scenario more against this asset or sector, disaster will result. According to (Partridge, 2010), even though adequate diversification is encouraged, too much of it can affect the overall performance, (Stammers, 2016). So, diversification should be balanced. In this case advice can be sought from professionals.

Mistake 7: Spending much money on fees and commissions One of the common mistakes investors commit is pay more (spending highly) on issues like advisors fees or commission. For small businesses excess expenditure on one item leads to a significantly adverse effect on the net worth; especially over a long term. Therefore, the pointer here is to be aware of all the investments decisions and their cost from the on-set of the business creation. Fund allocation for such arm should be properly figured out, (Batnick, 2018). Watching out to see if such payment for professional advice is beneficial before even engaging in it.

Mistake 8: Good trading approach: too much trading and very often One key character of an investor is the ability to patiently work until the goal is achieved. Investing is not magical. This means that one don’t just invest and it turns out as the investor thought. The investor should develop a virtue called patience. This reason is because it entails time to achieve the ultimate reward of an investment. When investment tactics is continuously being modified, the return is at risk and may not come out as thought. Also, portfolio re-composition may also be risky. The already constructed portfolio and asset class should be carefully studied and more should be learned about it. Reconfiguration can only step in after careful studies and findings, (Mallouk, 2014).

Mistake 9: Using media information Media use their news channel to generate money for themselves by broadcasting tradable materials and information. The main reason is parsing out the information out of the noise. Skilled and successful investors gather all these valuable information especially from varied media sources. They use them for studies related to their business. That is the use information for research and analysis depending on the case at hand. On the contrary, some investors turn to use the media as the only source of information for investment decision. This is an investment mistake. The reason is because, when an information is made public, any person laying hold of it, factors it into market prices. The purpose of the media is mainly for adverts not market information. So, getting news from the media and using the information for market projections is an evidence of poor trading strategy. As a result, it is an investment mistake.

Mistake 10: Focusing on high yielding assets A common seduction encountered during investment is asset or security that is producing high yield. This is really tempting because the investor is like why wouldn’t I maximize the output money? One thing that one has to put in mind is that an asset or security, producing high returns also carries high risk! Again, the future performance cannot be predicted/guessed from the previous returns. So focusing on a yielding asset is an investment error. It is better to focus on the whole portfolio than to get distracted by the yielding asset, (Stammer, 2016).

Mistake 11: Not being able to state clearly the performance of an investment Some investors may have an idea on the performance of some items but in terms of the entire portfolio, it may be challenging. It is always necessary to relate the portfolio performance to the investment plan to find out if the investment is on track especially after economic situations like inflation, after cost and accounting cost are deducted. This is the best way to determine how best the investment is faring.

Mistake 12: Not being proactive It is often said that “one can’t tell the future”. Yes! But one can do things that will shape the future. It is clear that the investor cannot control the market or order what the market will produce, but he or she can undertake some actions such as saving, continuous investment of capital for some time and so on that can bring about great influence of the future returns and wealth generation. Being proactive and taking proactive steps in the surest means of influencing the accumulation of wealth as well as the investment returns. This gives an increasing probability of attaining the financial objectives. According to Warren and Soros another proactive measure is to predetermine the exit strategy of an asset before purchasing or making the investment. Otherwise the input time, money and energy may come to naught (Warren, 2003).

Mistake 13: Getting the wrong adviser Furthermore, one of the most common investment mistakes is working with the wrong adviser. The main reason of getting a business adviser is looking for someone who will play the role of a partner to facilitate the achievement of the investment goals. If not, the adviser is of no purpose. Thus, this professional should therefore be an ideal one who will be able to: • Share in the financial service provision of the business. • Get into the investment philosophy. • Participate in the general life of the investors so that adequate advice can be given when and where necessary for success promotion. Therefore, it is greatly encouraged to avoid getting the wrong adviser. A wrong business adviser can be avoided by taking time to make deep search and findings. So that you can get a good professional-business advisor, especially the one who is specialized in your domain of investment. This would produce a long lasting and beneficial results that would avoid wrong business decisions and promote the attainment of the business goals.

Conclusion Not only do investors suffer the consequences of the business mistakes they commit, their reactions is a pointer to other investors and people admiring investment opportunities (Guiso, 2013). Also, these mistakes could offer broader implications not only to the investors but also to the environment and other people related to him, the business, community and the world at large. One of the greatest evidence is from the business performance and their sustainability. For the investment mistakes briefly described above, their evidences are short listed along side. The best form of ridding yourself from business misconception, is to first of all find out these mistakes, be aware of them and then look for ways to avoid them. This is a clear cut way of preparing to succeed in any business venture. At this juncture, it is worth stating that when these mistakes are identified and avoided it leads to: • Reduction in the stress level of the investor. • The performance of the business is improved. • Profit will be made, thus contributing partly as a means to which the goal of the business could be arrived at. • Sustainability of the business will be assured. • The quality and Lifestyle of the investor and his immediate family members are positively affected. • The community also benefit. The end

REFERENCES • Al-Janabi, N. M. (2020). Money Supply Money Demand. Researchgate, 1-26. • Baker, H. K. (2019). Navigating the Investment Minefield: A Practical Guide to Avoiding Mistakes, Biases and Traps. Emerald Insight, 21-42. • Batnick, M. (2018). Big Mistakes: The Best Investors and their Worst Investments. New Jersey: Bloomberg Press. • Ben, C. (2015). A Wealth Of Commn Sense — Why simplicity trumps complexity in any investment plan. New Jersey: Bloomberg Press. • Bodie, ZVI et al. (2013). Essentials of Investments. New York: McGraw-Hill Companies Inc. • Chuck A. Arize et al. (2016, April 19). Market Timing Technique: It’s Uses by Practioners of Money Management. Article in Accounting and Finance Research., pp. 106-110. • Firth, C. P. (2015). Household Investment Mistakes: Evidence and Avoidance. EDHEC, 5-100. • Guiso, L. &. (2013). Household Finance: An Emerging Field. Einaudi Institute of Economics and Finance via Sailustiana 62- 00187, 1397-1532. • Lei, S. &. (2015). Factors Related to Making Investment mistakes in the Down Market. Journal of Personal Finance, 34-42. • Mallouk, P. (2014). The 5 Mistakes Every investor makes and how to Avoid them: Getting Investing Right. Hoboken, New Jersey: John Wiley & Sons Inc. • Park, T. (2017). Improving Portfolio Diversification with Uncorrelated Market Exposure. Nuveem, TIAA, 1-17. • Partridge, L. (2010, August). A Diversified Approach to Diversification. (D. P. Collins, Interviewer) • Piketty, T. (2014). Capital in the Twenty-First Century. London, England: The Belknap Press of Harvard University Press. • Stammers, R. (2016). Tips for Avoiding the Top 20 Common Investment Mistakes. CFA Institute, 1-2. • Tillinghast, J. (2017). Big Money Thinks Small: Biases, Blind Spot and Smarter Investing. New York: Colombia Business School Publishing. • Warren, B. e. (2003). The Winning Investment Habits. New York, N.Y 10010: St Martin’s Press, 175 Fifth Avenue.

Fracking wells

Living near one ups risk of childhood leukemia.

Artificial embryos

A biotech company wants to create some to harvest organs.

AIU makes a huge contribution to the world by giving new scient ifics the space for original investigations and research. Visit MyAIU Evolution

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Two surprising reasons

...behind the obesity epidemic: Too much salt, not enough water.

Vagal tone

A measurable indicator of nervous system health.

Logging

Destroying southern forests and dividing US environmentalists.

Civilization

It is not —and can never be— sustainable.

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Doctrine of discovery

Cause of dehumanization, dispossession, murder, and forced assimilation.

Period poverty

Scotland first in world to make period products free.

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Snares

Low-tech, low-profile killers of rare wildlife the world over.

Chile rivers

...Native spirituality and development clash.

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