4 Study USA-HealthCare

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Study USA-HealthCare offers many benefits at a great value! They include:
 

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Study USA-HealthCare™ Preferred

Maximum Medical Expense $250,000 $300,000
Pre-Existing Condition Waiting Period 12 Months 6 Months
Deductibles (In-Network/Out-Of-Network) $50/$150 $50/$150
Prescription Drugs $10 generic/$20 brand name $10 generic/$20 brand name
Dental Treatment (Due to Accident) $1,000 $1,000
Wellness 100% of routine physical 100% of routine physical
Physical Therapy & Chiropractic Care $50 per visit $50 per visit
Sports Injury $5,000 $5,000
Emergency Medical Evacuation $500,000 $500,000
Accidental Death and Dismemberment $25,000 $25,000
Repatriation of Remains $100,000 $100,000
Terrorism $50,000 $50,000
 
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5 Arizona Auto Insurance


Arizona Auto Insurance

Arizona residents can enjoy the exclusive benefits that come with a Titan Insurance policy -- low cost coverage, flexible policy options and world-class customer service. Affordable Arizona auto insurance has never been easier to find, especially if you qualify for one of Titan's discounts. Review our coverage and discount options to find the policy you need at an affordable price. Then contact an agent today to get a free Arizona auto insurance quote.

Arizona auto insurance coverage options

The coverage you need will depend on several factors, including your driving history and the make, model and age of your vehicle. Review the coverage options and contact Titan to learn more about affordable car insurance in Arizona.
  • Liability
  • Comprehensive
  • Collision
  • Uninsured/underinsured motorist
  • Medical Payment Coverage
  • Rental reimbursement

Arizona auto insurance discount options

You may be eligible for discounts on Arizona auto insurance from Titan. Review the available auto insurance discounts and call a representative to obtain a free Arizona auto insurance quote.
  • Affiliated policy
  • Accident free
  • Multi-vehicle
  • Advance quote
  • Good student
  • Homeowner
  • Electric funds transfer (EFT)
  • Military
  • Association

Contact a Titan representative

Learn more about Arizona auto insurance coverage:
  • Get an online auto insurance quote
  • Call 1-800-TITAN-UP (1-800-848-2687)

3 Lifelong Coverage with Guarantees

Whole life insurance is the most basic form of permanent life insurance. It provides a guaranteed death benefit, provided payment requirements are met, with tax-deferred cash value. Your regular payments (or premiums) are set at the time your policy is issued and will never increase. Interest is paid at a fixed rate and accumulates tax-deferred. It’s that simple.

Key Benefits of a Whole Life Insurance Policy

  • Guaranteed death benefit1
  • Level premiums that will not increase as you grow older
  • Cash value that earns a guaranteed fixed rate of interest1 and grows tax-deferred
  • Option to pay additional premiums to increase your policy’s cash value
  • Access to cash value through tax-advantaged loans2

How Does a Whole Life Insurance Policy Work?

  1. You pay regular premiums.
  2. Premium charges are deducted from your premium.
  3. The remaining premium is applied to your account value.
  4. Interest is credited to your account value at a fixed rate and accumulates tax-deferred.
  5. Monthly insurance costs are deducted monthly from the account value.
  6. If you cancel (or “surrender”) the policy during your lifetime, you’ll receive the cash value minus any outstanding loans or indebtedness. Surrender charges may apply.
  7. The death benefit – minus any outstanding policy loans and interest due – is paid to your beneficiaries at death.

0 Life Insurance and Retirement


Life Insurance and Retirement

We know you love your children, your home, and all the things that have made your life, well … your life. That’s why we want to encourage you, without pushing you, to consider life insurance from ERIE. And because your ERIE Agent is going to take as much time as you want to help you with your options, we’re feeling you’re going to feel good about the process.
Why ERIE for life insurance? Here’s a quick glimpse.
  • Choose from a variety of life insurance policies* available to fit your personal needs
  • Permanent (whole life) life insurance or universal life insurance provides coverage for your entire life and builds cash value. (It just keeps building, even when you are not looking.)
  • Term insurance provides affordable coverage for a specific number of years
  • Combine both term and permanent policies and you’ve got a customized protection package for your family
Why ERIE for retirement planning? Our business is also to help people save money for retirement. With so many different retirement savings plan options — 401(k), annuities, Traditional Individual Retirement Accounts (IRAs) and Roth IRAs — it can be a little overwhelming trying to decide which plan is right for you. No matter how far along you are in your financial planning, ERIE can help.
Some of the things we offer:
  • Traditional and Roth IRAs with a variety of payout options
  • Rollover or transfer options in case you want to move all or part of your retirement savings into an annuity
  • CD-type of annuity with a guaranteed, tax-deferred interest rate for 3, 5 or 7 years, depending on the term you choose
An annuity is still the only financial instrument that allows you to set up a guaranteed income stream that you cannot outlive.
Talk to an ERIE Agent who can provide you with more information about life insurance and retirement planning.

0 Auto Insurance Coverage


Auto Insurance Coverage — So What Does It All Mean?

Auto insurance coverage can be confusing, but it doesn’t have to be. To help you make informed decisions about your auto insurance coverage, take a look at some of the common auto insurance terms and definitions. Still have questions? Review these frequently asked questions or contact your ERIE auto insurance Agent.
  • A-C
  • D-L
  • M-Z

Auto Insurance Terms A-C Explained

Accident report form:
Typically referred to as a police report, this report contains important information about an auto accident, such as circumstances, parties involved and citations given.
At fault:
The degree to which you caused or contributed to an accident, or are “at fault,” and determines whose auto insurance company pays what portion of the damages. The method by which this is determined varies from state to state.
Bodily injury coverage:
If you are at fault for an automobile accident, bodily injury coverage on an auto insurance policy pays the medical expenses and additional damages for which you are liable for other individuals injured in the accident.
Claim:
When you suffer a loss that’s covered by your insurance, such as an automobile accident, you submit a request to your auto insurance company to pay or reimburse you for expenses, damages and other financial obligations. By definition, that request is called a claim.
Claims adjuster:
A representative of an auto insurance company who investigates and settles claims to ensure that all parties – you, your auto insurance company, and anyone else involved – receive fair compensation
Collision coverage:
Coverage that pays for physical damage to your vehicle caused by rolling over or a collision with another vehicle or object, such as a building, fence or telephone pole.
Comprehensive coverage:
Coverage that pays for damages to your vehicle resulting from a covered loss other than a collision, such as fire, theft, vandalism or contact with persons, animals, birds or falling objects.
Covered loss:
Any damage to yourself, your vehicle, or other people or property that is covered under your insurance policy

Auto Insurance Terms D-L Explained

Deductible:
The portion of a covered loss for which you are responsible, as opposed to the portion your insurance company pays. Higher deductibles allow your insurance company to offer you lower premiums, as you assume responsibility for a larger amount of loss.
Endorsement:
Any change, addition or optional coverage added to a policy. These include adding a new vehicle or driver, changing your address, adjusting limits and other modifications.
Exclusions:
Specifically identified situations that are not covered by your auto insurance policy
Independent Agent, independent agency:
An insurance Agent or agency not directly employed by an insurance company. By definition, independent Agents may represent multiple insurance companies and can help you find the best fit for your personal auto insurance needs.
Liability coverage:
Coverage for damages your auto causes to others and their property

Auto Insurance Terms M-Z Explained

Medical payments coverage:
Coverage that pays for reasonable medical expenses or death benefits to anyone covered under your policy in the event of an auto accident, regardless of fault.
Motor vehicle report (MVR):
A state record of licensing status, violations, suspensions, and other infractions you’ve had over the last several years. The MVR is one of many factors used by your auto insurance company to fairly determine your premium, based on the probability that you’ll have a claim in the future.
Premium:
Tthe amount you pay for your insurance coverage; can be paid monthly, quarterly, yearly or according to different payment plans that you select
Policy:
A written agreement between you and your auto insurance company that details what the company will cover, contract conditions and provisions and the amount you’ll pay for your coverage.
Road service:
If purchased, this auto insurance coverage will reimburse you for reasonable towing costs and labor costs at the site of breakdown when a covered vehicle is disabled.
Underinsured motorist bodily injury coverage:
Coverage that pays for your bodily injury and related medical expenses when you’re injured in an automobile accident and the responsible party (other than yourself) doesn’t have adequate auto insurance.
Uninsured motorist bodily injury coverage:
Coverage that pays for your bodily injury and related medical expenses when you’re injured in an automobile accident and the responsible party (other than yourself) doesn’t have auto insurance or can’t be located (hit-and-run).
Vehicle identification number (VIN):
Your vehicle’s serial number assigned by the manufacturer. The VIN identifies year, make, model, options and other information that, by definition, is unique to your specific vehicle

0 Why U.S. Health Care Costs So High

When businesses think their costs are high and uncompetitive, they use a practical tool called benchmarking: they compare their costs and quality to peers and determine where the difference (“gap”) arises, and why. Yet, for all the attention health care has received in recent years, there is little understanding in the popular discourse of why U.S. costs are so high.
So I did a little digging. No surprise, academics and other analysts have worked on this. I found comparative analyses of health care costs from the New York Times, HealthAffairs.org, New England Journal of Medicine, McKinsey, and professors at Princeton, Dartmouth, and Columbia. They vary in methodology and perspective; however, they provide a good sense of where the gap is and why.
Chart 1. Graph via Mary Meeker of KPCB
The U.S. spent about $7,000 per capita in 2008 on health care. Peer countries, like Japan and the U.K., spend about half that amount and achieve equally good results, as measured, for example, by life expectancy at birth. That comparison is captured in the famous Mary Meeker graph, Chart 1. It shows that the gap is about $3,500 per person in the U.S. ($1.1 trillion for the 305 million U.S. residents).
The sources of difference:
1.         U.S. spending annual on physicians per capita is about five times higher than peer countries: $1,600 versus $310 in a sample of peer countries, a difference of $1,290 per capita or $390 billion nationally, 37% of the health care spending gap. These conclusions come from an analysis co-authored by Miriam Laugesen of the Columbia University School of Public Health and Sherry Gleid, an Assistant Secretary in the U.S. Department of Health and Human Services (source)**. The biggest driver of the gap is spending with specialist doctors, which is 3-6 times higher in the U.S. versus peers.  This difference is mainly due to much higher prices in the U.S., which are driven by both higher per-procedure rates paid by both public and private payers, and larger proportion of higher-paying private payers in the U.S. By comparison, public per visit rates for U.S. primary care doctors are at the high end of the range for peer countries and private rates are slightly above the range, and primary care doctor incomes are higher than peer countries, but less than half of the incomes of U.S. specialists. Primary care doctor utilization is comparatively low in the U.S., which keeps overall spending on primary care down. This is not good for overall health care costs, however (more).
Laugesen and Gleid conclude (in very circumspect language, which I have translated here to plain English) that the physician spending gap exists because mainly because CMMS*, which sets U.S. Medicare and Medicaid rates, pays much more for specialist services relative to primary care services than government authorities in peer countries; private insurers have done a poor job of negotiating rates with specialists; and it may be necessary to pay incomes to specialists at or near the “1 percent” level to attract them from other well-paid occupations. I think the last argument is strained.  Laugesen’s data shows that there is no shortage of specialists in the U.S. (which might necessitate high prices), and there is no evidence that the people who become medical specialists could achieve the same economic status in other walks of life.

1 Australian Education Compared to the UK and USA.

I think it started when I got an email from Vivienne, a lady who has moved from Australia to the UK. She felt quite strongly that educational standards in the UK were better than here in Australia.
I promised to look into it.teacher 300x255 Australian Education Standards Compared to the UK and USA.
Then, in a post I wrote about the cost of education in Australia, Waleed asked….
“Here in the UK during year 10 and 11 (secondary school) we take GCSE examination. 62.4% get A*-C Grades (college only accepts you if you have A* TO C) with 20% GETTING A*/A.
I would like to know what’s the equivalent in Australia and percentage.
Thanks”
I promised to look into it again. Today I do.
Firstly, let me get my cynical statement about statistics out of the way. When I was a lad, we used to take “O” levels and “A” levels. I left school, one week shy of my 16th birthday, with four “O” levels tucked under my arm.
Where I lived, this was regarded as near genius at the time. These days,  kids can often come away with 10 to 12  “A” grade GCSEs when in our day we never knew there were that many subjects!
So, have educational standards improved over the years? Or is it the case that governments and education authorities have learned how to better present themselves to the public?
Cynicism aside, here’s what I found.
Firstly, I cannot answer Waleed’s question directly. Why? Because in Australia, each separate state runs its own school system and therefore each has a different exam at the end, like this:

The BobinOz Rough Guide to Education

In Australian Capital Territory, each student gets a year 12 certificate which lists the subjects they have taken and the results are achieved.
In New South Wales, a student’s achievements are based on a combination of the results of Higher School Certificate (HSC) exams along with their accumulated subject results.
In Northern Territory they have the Northern Territory Certificate of Education, exams which tests student’s abilities in various subjects.
In Queensland students who graduate in year 12 received a Queensland Certificate of Education (QCE), based mainly on tasks submitted throughout the relevant years.
In South Australia they do a similar thing as QLD, but theirs is called a South Australian Certificate of Education.
In Tasmania it is, yes you’ve guessed it, the Tasmanian Certificate of Education, again based on students accumulative results.
In Victoria, they call it the Victoria Certificate of Education (VCE), but this one is an actual exam at the end of year 12.
Finally, in Western Australia, students are encouraged to take the Western Australia Certificate of Education, which are individual subject exams similar to those in Victoria and NT.
On top of all that, Queensland call their highest achievers VHA’s, Very High Achievers whilst NSW call theirs DA’s, Distinguished Achievers. I didn’t bother to see what the others do. But hopefully, everyone can now see how impossible it would be to answer Waleed’s question.
We’re talking grids, matrixes and headaches! But there is an easier way.

TIMSS

This stands for “Trends in International Mathematics and Science Study” and it’s a bunch of really clever people that have worked it all out for us. Every four years they look at the educational standards achieved in countries all around the world.
They look at both maths and science for year 4 and year 8 students. Here’s a snapshot of their results for 2007.
Year Four Maths.
  • Hong Kong: 607 points: Top.
  • England:541 points: 7th.
  • USA: 529 points: 11th.
  • Australia: 516 points: 14th
  • Scotland: 494 points: 22nd.
Year Eight Maths.
  • Chinese Taipei: 598 points: Top.
  • England:513 points: 7th.
  • USA: 508 points: 9th.
  • Australia: 496 points: 14th
  • Scotland: 487 points: 17th
Year Four Science.
  • Singapore: 587 points: Top.
  • England:542 points: 7th.
  • USA: 539 points: 8th.
  • Australia: 527 points: 13th
  • Scotland: 500 points: 23rd.
Year Eight Science.
  • Singapore: 567 points: Top.
  • England:542 points: 5th.
  • USA: 520 points: 11th.
  • Australia: 515 points: 13th
  • Scotland: 496 points: 15th.
The result is clear-cut, almost. Educational standards in England are certainly better than here in Australia with the USA somewhere in between. But education in Scotland is not as good as it is here in Australia, casting doubt over whether an argument about education in Australia versus the UK has a clear winner.
So England wins!
But hold on one cotton picking minute.

PISA

This stands for “Programme for International Student Assessment” – another bunch of really clever people and this lot look at the educational achievements of 15-year-olds around the world. Every three years they give their results for science, reading and mathematics. Here’s their results for 2006:
Science.
  • Finland: 563 points: Top
  • Australia: 527 points: 8th.
  • UK: 515: 14th
  • USA: 489: 29th.
Mathematics.
  • Chinese Taipei: 549 points: Top.
  • Australia: 520 points: 13th.
  • UK: 495: 24th
  • USA: 474: 35th
Reading
  • Korea: 556 points: Top
  • Australia: 513 points: 7th.
  • UK: 495: 17th
  • USA: Do not appear to have been assessed in 2006. But in 2000 they came 15th with 504 points.
So, now you have all the facts, but if you need more, visit the US Department of Education and look at TIMSS and PISA . If you can work out which country has the best educational system between the UK, the USA and Australia, you’re a smarter man than me. All I could get from all this was that Chinese Taipei are pretty good at maths

0 United Kingdom vs United States Education Systems

Universities around the world serve an important purpose – to educate students about their choosen field of study. Students are expected to do similar tasks and think in proscribed ways, yet, they graduate from curricula that are vastly different.  Universities, regardless of location, produce professionals and intellectuals who fundamentally shape the world in which they will live.  Students are expected to master a body of knowledge based on the cirricula that exists within their respective countries.  While the goals of universities are similar worldwide, the structure of the educational system vary from place to place (ex. ‘college’ in England is roughly equivalent to the third and fouth years of high school in the United States, while ‘university’ in England is equivalent to our third and fourth years of university).  Even though the United States (US) and United Kingdom (UK) share a common Anglo-Saxon derived culture, their ideals and practice within each education system differ vastly.
The goal of this paper is to illustrate similarities and differences in higher education programs between the United Kingdom and the United States, despite a common desire to generate adults who are ready to tackle the challenges of the world.  This paper is the result of study at the University of Leeds (Leeds, England) and at the Colorado School of Mines (Colorado, United States).  It is a preliminary examination based on participant observation as a student in both instituions.
The significant differences (in general) between UK and US education are outlined below:
United Kingdom United States of America
College begins at the age of 16, where students choose their field of study for university at 16 College begins at the age of 18, where students choose their field of study
Price of attending university is relatively small University costs are relatively high for students
Students focus solely on their field of study Students focus on their major and peripheral subjects related to their major
Undergraduate in university lasts 3 years Undergraduate lasts 4 years
Learning responsibility primarily lies on the students Faculty and students share responsibility for learning
Homework is rarely assigned, and the final exam is worth 80%+ of  the final grade Homework makes up a large portion of the grade, and final exams are worth approximately 30%
Grading system is out of 100, but grades above 75% are rare Grading system is out of 100, and 90%+ grades are common
Social life is just as important if not more important than academics Academics dominate, and social life is not nearly as important.
A masters is often required in order to become a professional A bachelors degree will often allow a student to obtain a well-paying occupation
The main differences between university study in the US and UK are outlined above, but it is the subtle differences in combination that really make the experience different, such as UK english vs. US english and ethos of the UK/US.
Children from ages 5 to 16 are required to attend school in the UK, either through state schools, independently, or home-schools (state schools are free) (“Office of Public Sector Information”).  At the age of 16, students have a choice of whether they want to continue or not.  If they continue, they will leave ‘school’ and attend sixth form (what they call ‘college), which is two years of pre-requisite courses for students interested in going to university.  At the age of 16, students in the UK decide on what their field of study will be while in university.  The courses they take at sixth form will be related to what they will study while at university (ex. an engineer will take mathematics/physics courses during sixth form).  In order to pass sixth form, students need to pass standardized A-level tests.   Students then apply to the universities of their choice.  The scores that they receive on their A-levels are given to universities to help determine whether the student is accepted or not.
In the US, students are required to attend school until they are 16 via public or private schools, or by being home schooled.  Students typically enter high school at the age of 14, and complete the four years of high school and graduate at 18.  At the age of 18, students either have the choice to continue their education at university (also known as college in the US), or they can stop school and attempt to find work.  Students electing to contine their studies will apply to universities of their choice.  During the last two years of high school, students take a nationwide standardized test that covers math, science, reading, and writing (the test is either the ACT or SAT, depending on where you live and what university you’re applying to).  The results on these tests along with the students’ average grade in high school help the universities determine whether or not the student gets accepted.
In the later parts of the British educational system (age 16 or older), students need to choose their field of study and then focus only on that field until they graduate and begin to work. The later part of the American system tends to be a bit more broad, meaning students get to experience many different fields of study before actually deciding to specialize in one.  For example, a student who is educated in Britain will choose a major by the age of 17, and will only study that major for the following several years without getting much of a glimpse into other fields.  For engineering, in general, all students in the US will take the same courses for the first two years of university, and then specialize for the remaining two years.  This allows the student to decided on a field of study roughly at the age of 20, and at the same time allows the student to look at a whole range of fields that may interest them.  The first two years (particularly for engineering) prepare the students in a way such that whatever field they decide to specialize in, they can without additional prerequisites.
Education and Economics
The structure of the courses (particularly at university level) and how they are taught are unique.  The American system typically teaches students how to do something, and then forces the students to study immediately by assigning homework. British education sets students up to learn, and then a large piece of the learning process is studying for the final exam.  The British are much more relaxed, in that they lecture, and expect each student to be ready for the final at the end of the year, while assigning little or no homework.  It is my contention that differences in pricing structures affect expectations om the teaching and learning culture.  Analysis of the cost structure provides at least a partial explanation for the resulting differences in teaching and learning strategies.
Both price and the culture of university make these differences understandable.  British universities typically cost a specific, set price which is much, much less than the cost of a tyical American university.  In the 2009/10 academic year, undergraduates in Britain (who are citizens of the UK) paid a maximum of £3,225 ($4,800) per year for tuition (“DirectGov”). As of 2007, students who live in Scotland, for example, can attend university in Scotland free (“Scottish Government”).  The tuition fees that are paid by loans are loans taken out from the government, which are then repayed to the govenment after a student graduates and earns a certain level of income (Barr, and Crawford 2,4).  If a student graduates and doesn’t make above a threshold salary, the loan won’t collect interest and the loan won’t have to be repayed until the graduate finds a sustainable occupation.  This is quite different than the US in that students often pay interest on their loan while they’re studying (unsubsidized), otherwise loans begins to collect after you graduate (subsidized), regardless of whether the graduate finds a job or not.
The average price of tuition and fees for a four-year public American university is $7,020/year (for in-state students) (“Trends in College Pricing 2009 – CollegeBoard” 2).  Out of state students typically pay two or three times as much as an in-state student in order to keep the state-to-state funding balanced.  In the American education, since the cost of education is much higher, one could say that the responsiblity of learning is up to both the student and the school, since the students are paying the school to educate them.  Although much of the learning is done when a student is studying for a final, most of the learning occurs when students are completing homework throughout the course of the year.
The differences in endowments between UK and US universities is massive.  In the UK, only Cambridge and Oxford have endowments that are even close to the top US universities.  Oxford and Cambridge each have endowments of £2B ($3.5B), which would rank 15th on the US list, while no other UK university would rank in the top 150 (“Sutton Trust” 1,4).  207 US universities have endowments over £100M (about $150M), while only five UK universities have endowments over that.  Additionally, the top 500 universities in the US have an average endowment that is fifteen times that of the top 100 universities in the UK (“Sutton Trust” 1,4).  These figures give a rough idea of how much more money is flowing through US universities than UK universities, and the price of university in each is reflected by this.
Culture Similarities and Differences
The culture of a US university, Colorado School of Mines, has different distinguishing features to aid education.  During the school session, students are expected to be fully engaged in learning, and the professors assign graded homework to force students to practice solving problems and analyze situations related to their field of study.  In general, US universities have less time off, and therefore have more contact hours with the faculty (in the UK, contact hours range from 5-20 hours a week as a full time student.  For each contact hour, the European Credit Transfer System (ECTS) suggests 1.5 hours of individual study [(Stefanovi?)]).  Even during the time when classes aren’t in session, it is a common practice for professors to assign work in order to keep students actively learning.  It isn’t uncommon to attend class all day, and then go home and study much of the night, every night of the school week.  In fact, it is suggested that for every contact hour of class, a student should spend 3-4 hours revising the material (this is primarily at CSM, but is common throughout the US).
In order to further compare the similarities and differences between UK and US education (specifically around university level), lets look at the two universities that I’ve attended: Colorado School of Mines (CSM) in the US vs. Leeds University (LU) in the UK.  To begin, these universities differ vastly in terms of what each university represents.  CSM is a school of roughly 4,000 students, 3,000 of which are undergraduate.  The primary focus of the school is engineering, mathematics, and computer science.  LU on the other hand is a school of over 30,000 students and focuses on nearly ever field of study known.  Therefore, the comparisons made are based on these two universities and are likely to differ as if the comparison was between LU and UCLA for example (two schools with a smilar number of students and fields of study).  Additionally, at CSM (and most other US universities), students study for four years to get their bachelors degree, while at LU (and most other UK universities), students study for three years to get their bachelors degree or four years to get their masters degree. This alone implies that the structure of each system is very much different.
I studied at CSM for my first two years of university, and spent my third year in England at LU.  The first two years at CSM are roughly equivalent to ‘college’ in the UK, which are the two years preceding university.  At CSM, the first two years are full of general classes to get all students onto the same playing field.  The third and fourth year are the years where students specialize in their field of study – Electrical Engineering (EE) in my case.   At LU, students begin their first year by jumping right into their field of study.  This means that up until I studied at LU, I had taken no courses which specialize in EE.  When I went to LU, I had to pick courses that would transfer back, which leads to some interesting observations in the education systems.
Since students study for three years at LU (and all three years are full of courses directed at their field of study), I had to decide what level I should studying at.  Before I left, I assumed I should take level one and two courses (1st and 2nd year modules) since I had no understanding of EE other than the basics that I learned during my first two years at CSM.  Knowing that I would be graduating 1 year after returning from England, I also guessed that I should take level two and three modules, which in the end I did complete.  Another issue was courses in England often last a full year (two semesters), while courses at CSM at always are 1 semester.  Therefore, finding equivalent courses that would allow me to graduate on time was quite difficult.
In the EE department at LU, professors record most lectures via video and post it online.  This allows students to go back and watch past lectures if needed.  It also allows students who are direct entry students into second year to go back and watch the 1st year lectures. Every module I took at LU was recorded or documented well enough that I was able to catch up and understand the material.  I found that first year in the EE department was a very basic introduction into EE topics such as optoelectronics, power systems, and basic math revision.  Second year was a continuation of first year – meaning students took the same courses, just at a more in-depth level (i.e. optoelectronics 2, power systems 2, etc.).  Additionally, during the first two weeks of the year, the second year professors did a thorough review of the first year topics so students could be refreshed on the material.  Because of the way students study in the UK, this is a very necessary part of the courses, and helped me greatly in getting on the same playing field as all the other students.  I found that the math courses were quite easy in terms of the material (it was all review for me), while the specific EE courses were still basic, but all the material was new.  This is due to the fact that CSM focuses on math/science, which put me on a different level than the second year students at LU (whose focus isn’t just math/science).
The method of teaching modules/courses in LU differs from CSM.  At CSM, professors typically will lecture twice a week, and in addition, students will get hands on work over the material that was lectured on.  This would include either a lab or simply working problems to practice analyzing the material.  Homework is also assigned to force students to learn outside of class.  At LU, lectures are once, or twice a week at most.  These lectures almost always consist of the professors running a powerpoint presentation, and at the same time handing out the presentation on paper for students to follow along.  Homework is rarely be assigned, and if it is, it is typically not graded.  Because of this method of teaching, students at LU have much more time outside of class which enables them to get out to the pub and socialize, relax, and meet new people.  You could say that CSM (and other US universities) invites a more rigorous academic life at the expense of the social scene, while LU (and UK universites in general) gives active social development priority over building a strong intellectual background.
This leads into the vast differences of ethos between UK and US universities, specifically LU and CSM.  Students typically head to university in the UK to ‘have fun’, placing that above the fact that they need to learn.  Since the entire culture accepts this, a typical year will consist of one or two tests per class (one midterm worth 15-20% of the grade and one final consisting of the remaining 85-80% of the grade).  Students typically attend class for an hour or two a day, and then head out to socialize with friends.  This continues until about 3 weeks before exam time.  During exam time, students dedicate themselves by locking themselves in their rooms and studying/revising the material of the entire year in 3 weeks.   Additionally, at LU it is not uncommon to find a full time student attending classes for under 10 hours a week.  At CSM, there is a minimum threshold of 14 credit hours in order to be a full time student (“Colorado School of Mines” Outreach).
Part of the education at British universities is not just to learn a field of study, but to also be socially active and learn about/from the people around you.  It is very common for a British student union to have pubs/bars/lounges.  This is connected to the relaxed atmosphere that the British education has – while you study, you have time to relax.  But when it is exam time, you are expected to be fully focused on learning your field of study.
On the other hand, students go to US universities not necessarily to ‘have fun’, but instead to learn.  The culture is built in a way which accepts this, and the price of university shows.  Many claim that the price of university in the US is what causes the faculty to take such a large responsibility in a students learning.  However, I disagree with this.  The price is high simply because that is the way the culture has run universities for so long.  UK universities are cheap because the UK is quite nationalized, meaning the goverment ‘standardizes’ a lot.  For example, most loans taken out by students for university costs in the UK are from the goverment, and not a third party lender (like they are in the US).  Health care and university costs are equal for everyone who is from the UK, no matter which university you go to or what dentist you use.  The responsibility of learning in both the US and the UK lies on the students (no matter which country you’re in).  In the US they don’t assign homework in order to make the faculty do their job, they do it because it is a proven method of learning that works.  The UK doesn’t use homework as a teaching method as much simply because they would rather see a student having a cultivating social life than being locked in a room studying when they are outside of the classroom.
This leads to different motivations of students attending university.  Students in the UK are less motivated to study, because they have rarely had to consistently study since that is the way their education has always been.  Students in the US are typically motivated to study more because a higher GPA can give you scholarships and grants, and these students are used to studying on a regular basis.  Nonetheless, the expectations of students when they receive their degree are quite similar.  A large percent of students in the UK study for 3 years to get a bachelor’s degree, and then study 1 additional year to receive a masters (see expectations below). In the US, particularly at CSM, students tend to study hard for 4 years, graduate with a bachelors and get a fairly good job.  According to Payscale as of 2010, CSM has an average starting salary of $61,600, with a ‘mid-career average salary’ of $113,00 (“PayScale”).  LU  has an average starting salary of £18,000 ($27,000), with a ‘mid-career average salary’ of £42,000 ($63,000) (“PayScale” Leeds).
The expectations of students graduating from universities in the UK and US are somewhat different. Becoming a professional engineer in the US varies from state to state.  However, the general process requires a degree from an accredited 4-year university, passing an engineering test after graduating, and then working in industry for 3-4 years, where another test is then assessed (“Model Law”).  In the UK, becoming a charted (professional) engineer typically requires a 3-year bachelors degree, as well as an additional 1 year masters degree.  Furthermore, they must work in industry until they can demonstrate that they are professionaly competent.  This process ranges from 4-8 years to complete after graduation (“Charted Engineering”).  Comparing the US and UK, both processes analyze individuals based on their education, their experience, and their ability to perform as a professional engineer, and both countries produce quality engineers.
The student union’s also differ immensely in terms of the what they represent.  In the UK and in the US, the union is run by a group of students (who are typically elected by the student body).  These students make the union become what the students want.  At CSM, the union is a place to relax, grab some food, or study.  The union at LU is there to shop, get food, go to the bar, and party with fellow students.  Studying at the LU union is practically unheard of.  The purpose that each union serves is clear, and it is also shows the clear differences between US and UK university cultures.
There is a big variance in the grading system in universities in the UK and the US.  At CSM (and US universities in general), the grading scale is from 0-100, with 100 being the highest.  This means if you get 5/100, you get a 5%.  Passing is typically 60% and above (anything below this is considered an F which is failing).  Additionally, 90-100% is considered an ‘A’, 80-89% is a ‘B’, 70-79% is a D, and 60-69% is a D.  Each letter grade is then put onto a 4.0 scale (A being a 4.0, B being a 3.0, etc.).  This scale is then averaged together and a grade point average (GPA) is caluclated.  This allows schools/employers to get a rough idea of how a student has performed at their time in university.

0 American vs British Curriculum

“International schools which follow the English National Curriculum use the same standardised testing regime and criteria as schools in England”

                                                 
                                                                   
“Even before children can read it’s important to have books around so that they begin to develop habits which will lead to a lifelong love of learning”
Any comparison of the two systems must start with the statement that one is not comparing like with like. The US doesn’t have a single educational system in the sense that England does. American schools do, however, have a number of accreditation bodies, who ensure that they have certain standards and fundamentals in common. US schools are also much more free to respond to the requirements, or indeed demands, of the local population. This means that special interest groups can have at times a significant effect on teaching requirements and the curriculum in those schools. This might lead to certain subjects, such as Biology, having additional strictures on what can and cannot be taught in schools. Schools in England, on the other hand, follow a single standard National Curriculum.
Teachers in both systems have some degree of personal freedom to develop their own teaching style within the structure of the particular curriculum that they follow. The English National Curriculum specifies in some considerable detail the educational milestones that children should reach on a year-by-year basis as they progress through their school life. Children are regularly assessed in detail by teachers, who use a standardised set of criteria to assign levels to their progress. Nationally, standardised tests are also employed, which give a very strong indication of how well a child is doing compared to national standards.
In the US the relatively recent introduction of the No Child Left Behind act has also introduced compulsory standardised testing in the majority of schools. The act was brought in to address America’s relatively poor performance compared to other developed countries in terms of the academic standards of its students.
International schools which follow the English National Curriculum use the same standardised testing regime and criteria as schools in England. This allows, for example, a British International School to compare and benchmark itself with the very best schools in the UK and to ensure that its standards are set at that level. Each child is assessed and set targets that are achievable for them. It’s important to note that schools are tasked with not only ensuring the progress of the very able, but also of those whose abilities are not at the top of the range. A student may not excel in national terms in all areas of the curriculum but it is important that the schools ensures that each student does as well as they can and is challenged to progress at a rate over and above that they might achieve at an ‘average’ school. These targets are sometimes referred to as Golden Targets and are often used as criteria for parents to judge the ‘value added’ by their school. ‘Value added’ refers to the progress that students in each school make over and above the average progress that a child would be expected to make, and is an important element in school evaluation in the UK.
In the US, students are compared using a variety of different standards throughout elementary school and high school. These vary from essentially IQ-based tests to tests which track progress through the curriculum based on tests of recall or understanding. The political landscape of the US is of course more varied than that of the UK, and this has inarguably had an effect on the way in which testing is viewed. International schools following a broadly US-based curriculum will generally choose one of the larger schools accreditation bodies. These are based in different regions of the US and have also broadened their responsibilities to include some overseas US schools. These bodies include WASC (Western Association of Schools and Colleges), NEASC (New England Association of Schools and Colleges) and SACS (Southern Association of Schools and Colleges), but there are others. They try to ensure that schools meet the AYP (Adequate Yearly Progress) targets specified in the NCLB act.
Schooling in the US generally begins at the age of around 5 or 6 years old. The initial focus in kindergarten is on play-based activities, with a transition to more formal structured learning occurring gradually as the child progresses through school. In many ways this is mirrored in the British system. Unlike in many areas of the US, however, a full system is in place for early years education. The Early Years/Foundation Stage (EYFS) curriculum is centred on developing all aspects of a very young child, both social and academic. It monitors and assesses key developmental milestones. Parental communication is heavily emphasised in the EYFS. Play is of course emphasised in the play-based learning sections of the curriculum, as are areas of continuous provision such as outdoor play, water play, sand play, arts activities and books. Even before children can read it’s important to have books around so that they begin to develop habits which will lead to a lifelong love of learning.
Moving into primary school, the key difference might be seen to be one of approach. The core areas of teaching in fact vary little. It is arguably the case that the British system is slightly more advanced in terms of maths and literacy, but in truth the variation between students is higher than that between the two systems. There is also a somewhat wider focus in the British system, contrasted with a more national focus in the US. However, again the variation between teachers is wider than that laid down in the curriculum, with some US teachers considering it their duty to promote a wider world view where they are allowed to do so. One key area, though, is that of tradition. Many British schools still have uniforms and an explicit emphasis on teaching good manners and social skills. Both systems, of course, aim to combat bullying and other obvious social ills, but in general it would be fair to say that many US schools from primary upwards are a little more free or informal than their British counterparts. Of course this is neither good nor bad. Many parents may consider the teaching of good manners rather old-fashioned, or school uniforms a restriction of children’s freedom of expression. The British headteacher would reply that uniforms make for a family atmosphere and feeling of community, and reduce fashion pressure on both children and parents. There is no right answer to this issue, of course, and neither system can be said to be superior.
In secondary school (high school) the differences become more pronounced. Here by most standards the average British child is indeed one year more advanced in mathematics and language than their US counterpart (based on national average statistics). The differences in approach become even more pronounced, as schools across the US have a very different and more liberal approach than that of schools in the UK.
General standards in any good school in either the US or the UK will not vary hugely. The UK primary and early years system has proven to be highly successful in nurturing young minds, but aspects of the US middle school system are also being developed strongly. Both systems feature a strong emphasis on ICT skills, but the UK system is perhaps a little more outward looking. The key difference will always be one of approach. A modern forward-looking system aiming to maintain some traditional values, or a highly varied state-by-state system looking to satisfy the needs of a very varied community while maintaining a liberal tradition; in the end, it’s up to parents and students to choose the one best suited to them.
 

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