Allama Iqbal Open University 2021-22 Help Desk
Allama Iqbal Open University latest study updates for educational year 2021-22. View aiou Results, Date Sheet, Roll No. Slips, Past Papers, Admission Details & aiou studio 9.
An excellent credit score will be helpful when you start to think about buying a car or getting a mortgage. Even if you do not plan to take out a large loan in the near future, your credit information can be a factor in renting an apartment, obtaining a membership at a club or getting hired for certain jobs.
Lenders use credit reports to determine how risky it is to give a borrower – that is, you – a loan. All in all, the lender just wants to know if the borrower will be able to pay back the loan. If the borrower has bad credit, then he or she probably made some major or ongoing financial mistakes and is more likely not to repay. On the other hand, if the borrower has good credit, then he or she has a history of paying back debt, and the lender will most likely grant the loan.
Credit cards are effectively short-term loans that need to be paid back within a short grace period. Getting the first credit card can be tricky. Credit card companies do not have any basis for your credit history since you have not borrowed any money in the past. So how are you supposed to establish and build your credit rating without a history?
One way is to apply for a secured credit card. Secured credit cards are backed by a deposit that you make upfront. Usually, the amount you deposit will be the same as the card’s credit limit. Everything else is like a regular unsecured credit card: You use the card to buy things; you make monthly payments; and you incur interest if you fail to pay off the full balance. A secured credit card should be only a temporary step to building credit. Try to pay off the total balance every month to show that you are financially responsible. After all, not only do you want to build a credit history, you want to build a good one.
Another effective way to start your credit history is to become an authorized user on someone else’s card. Many parents will designate their children as authorized users on their credit cards so that the children can build credit without the legal obligation to pay the balance every month. However, if the person whose account you are authorized to use does not handle the account properly, their mistakes could end up hurting rather than helping your credit.
Once you establish your credit history, you can shop for your first unsecured credit card. You will quickly discover that there are many to choose from. A number of factors can help narrow the search.
The most important of these is how you intend to use the card. Are you going to use it only for emergencies? If not, will you pay in full each month, or will you carry a balance on the card? Once you decide how you will use the card, follow your self-imposed rules. It is very easy, and dangerous, to continually swipe the card and tell yourself it is for a good reason. But it is crucial to be stubborn about establishing good spending habits, even – or maybe especially – early in life.
If you plan to carry a balance on your card, you must be aware of the interest rate of each card you are considering. The interest rate used by credit card companies is the annual percentage rate, or APR. There are cards with variable APRs, which are based on a certain index (such as the U.S. prime rate). There are also nonvariable APRs, which are usually fixed-rate credit cards. As a beginner, you will usually want a low-rate, nonvariable APR credit card, because knowing your interest rate will give you a sense of how much money you will need each month to pay at least the minimum amount due. A low-rate, nonvariable APR card will therefore help when you create a monthly budget.
In addition to interest rates, pay attention to penalties and fees. Reading the fine print in a contract can save you from owing avoidable charges. The most common fees include balance transfer fees, cash advance fees, fees for requesting a credit limit increase and online or mobile payment fees. Many cards also impose penalties for not paying your bill on time or going over your credit limit. You should hold out for a card with minimal fees and reasonable penalties. Even if other features of a particular card seem attractive, avoid the potential for exorbitant fees and penalties that could hurt your cash flow and your credit history.
Understanding your spending habits will help you determine which incentives will be important to you. Most cards offer rewards programs to their customers or offer cash back for certain purchases. Many cards offer 0 percent APR for the first six to 18 months that your credit card is open. These cards are great if you plan to carry a balance from month to month. Some cards even offer anywhere from 1 to 5 percent cash back on all or certain types of purchases. If you know how you plan to use your card, then certain cards’ rewards programs can save you a lot of money.
As a first-time cardholder, once you have chosen the card that is right for you, you may find it exciting to be able to swipe the piece of plastic and not have to pay in cash. But while credit cards can be useful tools, it is important to not fall into the black hole of credit card debt, which can be all too easy for an inexperienced user. Make sure to know how your credit score works and how to avoid penalties so that you will be able to make larger purchases and secure loans in the future.
Your payment history, the amount of credit you use and the number of negative marks on your credit history have the highest impact on your overall credit score. If you can, pay off your total balance on time each month, ensuring that you have a 100 percent payment history. Paying off your card every month comes with the added bonus of saving you from being charged any interest on a carried balance.
You will also want to use as low a percentage of your credit limit as you can. This ratio is called credit card utilization, and most experts recommend that you try not to go over 30 percent at any time. Credit card companies want to know that you are responsible with your spending and that you will be able to pay off your balance each month. You can either spend less each month or increase the credit limit on your card to lower the percentage used. You can also pay more than once per month.
Obviously, you should avoid any negative marks on your credit history. These can include collection accounts, bankruptcies, foreclosures, civil judgments or tax liens. Although someone applying for a first credit card typically will not have had time to worry about bankruptcies or foreclosures, keep in mind that such problems can severely damage your ability to secure credit in the future.
The Allama Iqbal Open University AIOU is considered world’s fourth largest university which is held in Islamabad. AIOU provides an opportunity to all students worldwide who cannot afford the expensive education of Private Institutes. Online Learning is considered fruitful and easy task for the students in this period of technology. The students who are unable to move outside their homes to get education, they can easily get this opportunity at home. AIOU was established in Islamabad in May 1974. Initially, it was named as Open University.
AIOU is one of the leading institutions which play important role in development of educational skills throughout the world. The main purpose of getting education is to provide an intellectual power to them. Education is considered the main key to success of country both in economical and developmental way. Allama Iqbal Open University is the platform where students can improve their abilities and concepts without any hesitation, Although, Student’s satisfaction is very necessary; the course outline, the instructions of teachers, proper guidelines, rules and regulations are being there to solve the needs regarding study. There is no age limit to get knowledge, so AIOU is providing an open access to all age groups.
AIOU has increased the courses and departments of high quality of education with the passage of time on the interests of students. More than 50% females are enrolled in this institution. As, the education of females is so important in this society so the main purpose to establish this institute was to educate females who face difficulties to go out. Allama Iqbal Open University gave the concept of openness and the gaps of conventional education has been filled.
- Educational Programs
AIOU provides a wide range of Undergraduate, Graduate, Master’s, M.Phil. / M.S and Doctoral (PHD) Programs in every field of subjects Mass Communication, Urdu, Pak Studies, Mathematics, Special Education, Teacher Education.
AIOU has various diploma programs as well to provide training to students. Some students want to get knowledge of different fields at short glance of time. So, these diplomas are helpful for them to achieve their tasks and from the job point of view.
1.2 Certificate Level Courses
Different languages courses and Online courses of one day or one week are available. Students can get experiences of a wide variety of courses to improve their skills through proper channel and certificate is provided at end.
1.3 Short Courses
AIOU is also involved in various short courses, this skill is the need of time. These are beneficial in sense of time. Students can cover their course in short time instead of getting indulge in year or more which fascinate the students.
AIOU – (Allama Iqbal Open University) Admission, Date sheet, Tutorship 2020-21
Many students who are not able to get education due to lack of finance, but they have wish to learn and get the degree for their bright future. Also there are many students who are busy in their daily life or any other busy schedule want to get the education and get the degree. For those and especially for girls the AIOU (Allama Iqbal Open University) is a best and only one golden option to get the education at in their homes.
What is AIOU (Allama Iqbal Open University)?
AIOU (Allama Iqbal Open University) is number 1 in Pakistan and also Asia’s Best University for the distance learning. It offers all the programs and almost all the subject degrees. AIOU was set up in 1974 and is the principal Distance Learning College in Pakistan as well as in Asia. AIOU offer the courses from Matric to PhD not only for students from Pakistan also from the Asia. There are also other Technical courses related to technologies or Computer is in the list of their course offering portal. Allama Iqbal Open University (AIOU)offers separation taking in study for Students from matric level to PhD level and these all you can get at your home.
The students also facilities by providing the model papers, the students after getting the model paper can guess the pattern of the paper and also can get the idea of the question asked by the examiner in the paper. The AIOU Model Papers you can download from the website of the university.
Allama Iqbal Open University Past papers are also very helpful for the students to prepare the exams to get the high numbers. With the help of the past papers students easily access the type of questions and also get the idea about the scheme of the papers from the past papers. The past papers are easily available at the book stores all over the Pakistan and you can also get the past papers from the university website and can download free of cost. The past paper and the model papers are very sound helping source for the students of AIOU (Allama Iqbal Open University).
Process of Education in AIOU?
Aside from ordinary Course of study, AIOU likewise offers authentication and recognitions in various fields. There is no age limit for taking admission in AIOU because of which it is the biggest University for private students as indicated by the quantity of people who want to study. Consistently, a large number of people take admission in AIOU for various classes. Alongside distance learning programs instruction, AIOU additionally gives normal classes to more significant level study like PhD and MPhil and furthermore for specialized courses like PC and IT related subjects.
Allama Iqbal Open University admission starts twice in a year in pre-winter and spring semesters. Alongside that, couple of higher degree classes and instruction courses is offered once in a year which is for the regular students. The admission procedure of different classes start couples of months before the beginning of regular classes while intrigued up-and-comers are educated through papers and authority site of AIOU. Through past papers, students can get a thought regarding the sorts of inquiries that are relied upon to come in the tests while model papers give total manual for the new paper example and schedule embraced by the University. Past papers can be obtained from the market while AIOU issues the model papers and the understudies can download the papers from the official webpage of the board.
The AIOU Date sheet come before the exams and students can get the schedule of the papers through mail or post at their home or by downloading directly from the website of the university. The students also receive the roll # slip before the commencement of the examination through the post or mail or they also can download roll number slip from the website. The roll number slip contain the time of the papers. Roll number of the student and venue of the paper.
AIOU Courses Offered
The students of AIOU are from almost all the cities of Pakistan and also from the many other countries from Asia. The AIOU University offers all the major study courses which are much beneficial and suitable with simple course of study scheme. There are following courses which are offered by the university
|MA||Certified Courses||Short Courses|
These are the courses for private students. The main quality of the university is the huge number of private students who are getting the education at their homes and there is no need to take regular classes. You just get admission in the AIOU and start the education complete your assignment learns the study scheme which provide by the university and submit your assignments and attempt the examination. You will get the degree and make your future bright.
Not only are the private students there also regular courses offered by the university at master and PhD level. Where you go the university regularly and take the classes, submit your assignments, give presentations and after attempt the examination.
AIOU (Allama Iqbal Open University) Admission 2021
AIOU as mentioned earlier announce the admission twice in the year that is spring semester and autumn semester. The admission announced by the university through advertisement in newspapers and also the other forums and also mentioned in their official website. The last date of the AIOU Admission 2021 is 21 February 2021. The students have chance to get registered themselves as a private students and get the degree which ever they want. The admission process is quite simple and easy.
You just fill the online form and also buy the prospectus the AIOU Prospectus 2021 from the campus and many other famous points which are certified by the university. You pay the 100 rupees and get the prospectus along with the admission form. The price of the prospectus is 100 Rs. After buying the prospectus you have to fill the form which is attached with the prospectus fill the form carefully according to the instructions. You have must read the prospectus before filling the form and read the regulations and rules of the university which are mentioned in detail in the prospectus by the university. After filling the form attach the copies the attested copies of your documents which are required in admission such as your previous education record, Character certificate, ID card and Father’s ID card and also the others.
After complete the process you have to submit the form with all document to the admission office at their campus. And if you are unable to go the campus you can send your admission form by the post. You also have to fill the online admission form. After review the admission office will mention the merit list of the selected students for the admission in their website or campus.
AIOU (Allama Iqbal Open University) Examination
As the university start the admission twice in the year the autumn and spring semester. The examination also takes place according to the schedule which is announced by the university. The university takes the examination at all over Pakistan for their private students. The distance learning programs examination take place all over the Pakistan at AIOU campuses. Allama Iqbal Open University Examination 2021 takes place when the university announce to the academic year schedule. The examination conducted by the university for the distance learning students at their home city or the city which is near to their home town. The centers for examination of AIOU also announced by the university and the left detail regarding the examination you can also get from the official website. The examination also twice in the year and you can attempt at the center which will assign to your or selected for you by the university.
AIOU Date Sheet 2021
For the commencement of the examination the university issues the date sheet the schedule of conducting the examination. The AIOU date sheet announced by the university before the examination every year the date sheet include the detail schedule and date of the papers in examination the students can get the date sheet by directly downloading from the website and also this will provide by the university to the students by the mail or by the post. You can also get it from the university campus or sub campus. That will available for the students at all forums.
AIOU (Allama Iqbal Open University) Roll # Slip
When the university starts the process of the examination they issued the roll number slip individually for the students. The AIOU Roll # Slip 2021 will be issue before the commencement of the examination 2021. The roll number slip will send to students by the mail and also by the post at their homes. They also can download from the website of the university or also take from the university campus and sub campus. The roll number slip contain the all detail of students and the examination detail like, name of the student, roll # of the student, date of the examination. Subject name and its exam date and the venue with full address is also mentioned on the date sheet. The students of private will give the examination at the centers which are in the all over Pakistan. And the regular students will attempt the examination at their campus of the university.
Check Also: AIOU
AIOU Result 2021
The result announces by the university after the examination and after marking the papers the university announces the result which display in their website and you can see your result after visiting their official website. (Allama Iqbal Open University) AIOU Result 2021 will announce after the completion of the examination. That will display at the website and also you can get the mark detail by getting the result card of your from the examination office or also download the result card from the official website.
Check Also: AIOU Tutor
AIOU (Allama Iqbal Open University) Tutor
If you are a private student and getting education from the course of distance learning at any level then during the course of study you have submit your assignment to your tutor. AIOU Tutor is those where you have to submit your assignment in written form which is assign by you from university. The tutor will mark your assignment according to your written well content then count the numbers in your final exams. AIOU Tutor 2021 will issue you by the university in every semester of your study. These are compulsory for every students to submit the assignments to the tutors if they fails then they will fail in examination.
How to Find AIOU Tutor?
The AIOU tutorship is the automatically process of the university. The tutors will assign you in every semester by the university by his name address and contact number. You can find your tutor by assigning you from the officials of university. The AIOU (Allama Iqbal Open University) Tutorship 2021 will also available at university website and also post you the detail the letter of tutorship to the students.
How to Submit AIOU Solved Assignment 2021?
The process of submit the assignment is quite simple and easy. After receiving the tutorship letter you have to submit your assignment to your tutor before the due date or before the examination. The tutor which will assign to you the letter will contain all the detail about your tutor like Allama Iqbal Open University AIOU Tutors Addresses & Statistics. These are different from each subject and situation.
These also called the instructors for the students. The process is simple that you have to write your assignment carefully and according to the sly buss which will provide to your after completion of your assignment you have to contact to your aiou tutor and go to your tutor and present your assignment. He will mark on the spot or later and give the number according to capability of your written material and mention in your final exams.
Allama Iqbal Open University?
Allama Iqbal Open University, since its formation has been providing and expanding its educational and training programs to facilitate working people and women in improving their qualifications and occupational skills. Enrollment in University programmes has no age limit. A student can continue at his own pace from semester to semester.
Students are required to submit two or four assignments to the tutors as per schedule.Assignments play an integral role in the final result. Non-credit courses usually do not have assignments or examination. There are half credit courses and full credit courses. In the half credit course you have to submit 2 assignments and the full credit course consists of 4 assignments.
Nowadays, taking online educational help proves to be an effective technique to solve academic issues. Many students and professionals run different websites where they provide AIOU assignment solutions or idea solutions and also updates about AIOU. i.e ” aioustudio9.com”,” pcbeducation.com” etc. Where students can download their required solutions either of Semester Spring or Semester Autumn. All assignments are in PDF and easily
accessible for the students. There should be helping assignments for the full credit hours assignments because students require help to solve those tough assignments as no guide is provided to solve them.
Aiou studio 9
Aiou studio 9 gives all the guess papers idea solutions of assignments. AIOU studio 9 is also offering free aiou solved assignments for semester spring, autumn 2021 and 2021 for Matric, F.A , B.A, B.ed, M.A, M.ed, MSC and also offers you to buy and order hand written or MS word typed assignment solutions. This service is beneficial for students who don’t have time to write assignments. It allows you to check the date sheet, AIOU Tutor. Aiou studio 9 also provides you pdf books of B.ed.
All the new academic programmes, admission forms and other important updates about the Allama Iqbal Open University (AIOU) are available on its website.It gives you updates about the result of all academic activities. Also all the past papers, date sheet, AIOU Tutor and assignment solutions/idea solutions are also available . In future, all the important notifications about the educational-cum-professional programs will be kept on the website.
Pcbeducation provides you latest study updates of Allama Iqbal Open University for the educational year 2021-22. View aiou Results, Date Sheet, Roll No. Slips, Past Papers, Admission Details etc.Whereas aiou studio 9 just gives past papers,guess papers and also assignment solutions. Aiou studio 9 provides help and guidelines to Aiou students.
AIOU Tutor Spring 2021
AIOU Tutor is the one who marks your assignments according to your well written content. These marks are added in your final term exams. You have to submit your assignments to your assigned tutor. To check the right tutor for you, AIOU has launched a portal where you can find your tutor
online. You can easily find a tutor just by using your roll number. Aiou studio 9 guide students about AIOU Tutor and how to find tutor’s addresses etc. Moreover pcbeducation provide complete guide to students regarding AIOU Tutors. It is compulsory for the students to submit their assignments to AIOU Tutor otherwise they will be marked as fail.
Allama Iqbal Open University Solved Assignments
Allama Iqbal Open University (AIOU) will provide an assignment for its students who have got their topics randomly selected to be studied by them. This is in order to facilitate the students who have to write their assignments in difficult regions for financial constraints. Pcbeducation website provide the facility to download AIOU solved assignments of spring 2021 and autumn 2020 are available of Matric, FA, BA, BS (Old), Associate Degree, BSc, B.Ed, MA, MSc, and M.Ed levels without any cost. Any student can download AIOU solved assignments by just clicking on the concerned level for the
download assignment. Moreover aiou studio 9 website allows you to download AIOU solved assignments of autumn 2021 are available of Matric, FA, BA, BS (Old), Associate Degree, BSc, B.Ed, MA, MSc, and M.Ed levels. It also provides the facility to buy and order hand written or MS word typed assignments. AIOU studio 9(aioustudio9) provides you assignments that help you in scoring A+ grades. Both the websites allow students to download their required solution files. These websites just provide the idea solution so that you can easily make your own. Many students use to submit these assignments so there may be plagiarism issue you may get “0” mark for this.
The university sends roll no slips to every student before examination which contain all the details about exams, with the help of this roll no students can check their result. It takes three or four months to make the result of AIOU annual exams. Pcbeducation website provide complete guide and updates of AIOU Results. Students can also check their academic results there. Whereas aiou studio 9 does not provide any details about AIOU result.
It is very important to know the result for those students who are waiting for the AIOU Result. Many students have problems in finding the result. Pcbeducation also offers service in finding AIOU Result also the marks of assignments, so that the students can easily check results. Aiou studio 9 help students in getting good grades but doesn’t give any detail regarding AIOU Result.
Importance of assignments submission in AIOU
The weightage of assignment marks is 30% accept few programs i.e. BBA, MBA as detailed in the respective program. The Final term examination consist of 70% marks, while generally 40% marks are required to pass the subject. Without submitting solved assignments you can’t get past your semester. Aiou studio 9 help students in getting good grades. A candidate has to pass Assignments then He/She will be able to appear in the Final Exam so if you don’t submit the assignment to try your AIOU Tutor you’ll declare Failed It doesn’t matter if you attend the exam and got 90% points. So Assignment submission is mandatory. So, if you got fewer marks in your Assignments then there is a chance that you got failed. So pay attention to your Assignments. It is a crucial thing for AIOU students.