Category: Career

Becoming A Life Insurance Agent

Life insurance involves a contract between the insurance company and the insured, which is bought by making regular periodic payments known as premium. These contracts are facilitated with the assistance of life insurance agents. They help their customers decide, the type of life insurance they would require – whole life or term life. Life insurance agents also help their clients find suitable rates for the kind of insurance policy they require. To become a life insurance agent, a person needs to be committed and willing to work hard for the leads.

Life insurance agents have the option of becoming full time or part time professionals. To qualify as a full time or a part time professional, interested candidates need to take a course for a stipulated number of hours. After the completion of the training, prospective agents need to clear an exam, to obtain the license to sell insurance in that state. After having substantial experience in the field, agents can attain respected designations such as Chartered Property or Casualty Underwriter. However, along with experience, agents are also required to take, intensive courses and examinations to be considered for such positions.

Life insurance agents usually do not adopt the door-to-door method, to sell their policies, but use various methods of marketing to conduct their business. They have to generate leads through different sources and need to be on the look out for prospective customers all the time. This involves a lot of hard work and dedication to the chosen industry. Life insurance agents need to be able to quickly understand their prospective customers requirements and sell the right kind of product to them. Unethical practices and wrong selling will not help the agentsx92 business in the long run. Therefore, becoming a life insurance agent has many lucrative benefits, provided the interested person is willing to work for it.

Becoming A Graphic Designer

Graphic designers are artists in business. Graphic designers need to not only have an artistic inclination in life, they also need to have a knowledge base that includes art history, painting, typography, illustration, photography and computer design software.

To become a successful graphic designer, one must have excellent interpersonal skills and an ability to sell ideas to executives. Having a keen sense of color, type and composition, a graphic designer also has to know how to present and discuss ideas with corporate clients, understand market research and work under tight deadlines and budgets. It is preferable to take drawing courses while in high school, to develop a sense of art. It is possible to work as a graphic designer without a degree, but most companies do prefer graphic designers with a degree. So work for a degree in fine arts or advertising, with concentrations in graphic art and computer graphics. You could join any School of Art and Design for such a degree. Search for training in current graphics-related computer technology, with electives for business and finance courses.

You then contact your top school choices and, if required, send samples of your artwork along with your application. Some schools may also call you for an interview, so be ready for it. When in the school, try to get an internship in a design company or an advertising agency. This adds to your resume, and provides you with valuable career contacts for the future. While studying, try to do as much freelance work as possible. This will help you build a strong portfolio that you can show to your future employers upon graduation. Always make it a point to pay attention to packaging designs and advertising trends in all forms of media.

To learn about jobs for graphic designers, the best place to check is the Internet. There are many job openings for graphic designers here. Graphic designers are required in various fields of advertisement and printing, with openings also found on the Internet. And remember, the main thing that is required to become a successful graphic designer is to build an impressive design portfolio to present to your prospective employers so that they can get an idea of your capacity in graphic designing.

Become a Financial Planner

To become a financial planner, you first must know what their job profile is. Financial planners help in determining the financial resources required to meet the company’s operating program. They also help in forecasting the extent to which these requirements will be met by the internal generation of funds, and the extent to which they will be met from external sources. It’s the job of financial planners to develop the best plans to obtain the required external funds. They also help in establishing and maintaining a system of financial control governing the allocation and use of funds. Financial planners formulate programs to provide the most effective cost-volume-profit relationship. It’s the job of financial planners to analyze the financial results of operations, report the facts to the top management and make recommendations on future operations of the firm.

To do all these functions efficiently, financial planners first need to establish the financial objectives of the enterprise. Both long-term and short-term objectives should be established for the effective utilization of the financial resources. Then comes the next step of formulating policies. Policies are broad guidelines. Financial policies relate to procurement, administration and distribution of business funds. The next step financial planners have to do is to formulate procedures. Procedures are the specific order of doing things. They are formed for ensuring consistency of actions. In financial procedures, the financial executives decide about the control system, develop standards of performance and evaluate the performance. Lastly, they have to forecast the future. In order to take proper action to achieve the objectives established, it is necessary to know the future positions. This is facilitated by forecasting the future.

While doing these activities, financial planners must take into perspective the cost of finance and nature of business. In any assessment of the financial needs of the firm, the cost of finance is the basic criterion. This is so because only projects with net positive cash flow can be selected.

Basic Bookkeeping

J. R. Baltiboi has observed that Bookkeeping is the art of recording business dealings in a set of books. Bookkeeping is the science and art of systematically recording, classifying and summarizing the financial transactions or events of a business in a set of books. A business transaction means the exchange of money or items of value between two or more persons. Anytime this occurs, bookkeeping comes into play.

It has been noted that the process of accounting begins as the business transaction occurs. Once a business transaction takes place it is recorded in the books of accounts. This process starts with recording transactions in the primary-entry cash book, bank book, sales book, purchase book, debit note/credit notebook and journal. These are regarded as the books of primary entry where transactions are first recorded.

Transactions are then posted to the ledger account. This is called the ledger posting. The balancing of each ledger account is done at periodic intervals which cannot be longer than one year. Many organizations do it on a monthly, quarterly or half-yearly basis.

The trial balance is prepared from the ledger balances. In this statement, the totals of debits and credits must agree with each other. This is the test of arithmetical accuracy of recording, posting and totaling. The debits and credits must tally.

Many necessary adjustments and provisions are made to ensure that accounting is done in conformity with the Generally Accepted Accounting Principles (G A A P). These rules and regulations are universally adopted by the accountants in recording accounting transactions.

An Introduction to Stethoscopes

Stethoscopes are simple yet effective tools that allow doctors to listen to the internal sounds in a patient’s body. Doctors can use stethoscopes to listen to a patient’s heart, intestines, breathing, and blood flow.

A French doctor named Rene-Theophile-Hyacinthe Laennec invented the first stethoscope in 1816. Dr. Laennec used a hollow wooden tube to listen to the heartbeat of his female patients so that he wouldn’t have to come into improper contact with them by touching his head to their chests. He discovered that the hollow wooden tube amplified the sound of the heart beating, making it much easier to hear any anomalies. He called his invention a stethoscope, after the Greek words for chest (stethos) and the verb to examine (scopeein). The design remained relatively unchanged until the 1940s, when Dr. Sprague and Maurice Rappaport investigated the scientific principles behind stethoscopy and created the basic model that is used today.

Stethoscopes are primarily used to listen to a person’s heartbeat. Most stethoscopes have a two-sided piece that can be placed against a person’s chest. One side is a flat plastic diaphragm that magnifies body sounds. The other side of this piece is a hollow cup, called a bell, that transmits the sound of the patient’s skin vibrating. The bell picks up low frequency sounds, while the diaphragm is good for hearing sounds at a higher frequency. The doctor can listen to a person’s heartbeat with either side and can hear any problems such as an irregular beat, weak heartbeat, or a number of other irregularities.

Doctors can hear any blockage or irregular movement in the intestines with stethoscopes. Stethoscopes are also used to listen for blocked arteries and breathing irregularities.

Stethoscopes are vital tools that allow doctors to detect any irregular sounds in a patient’s body, letting them diagnose and treat problems before they become more serious.

An Introduction to Recruiting Software

There has been a lot of talk in recent years about recruiting software. Recruiting software helps companies find suitable employees, and works in a number of ways. It can manage the employment section of a company’s website, keep track of any company responses to applicants, and help organize all information on potential employees in a comprehensive database.

A major function of recruiting software programs is that they can make use of the employment part of a company’s website. The software can make a list of jobs available with the company. Web surfers can click on jobs they are interested in and immediately be taken to a description of the job. The software can also be used to create electronic applications that can be completed and submitted on the Internet.

Another function of recruiting software is to keep track of any company responses to the applicants. The software allows users to create custom letters acknowledging that the company received the applicant’s resume, interview requests and appointment reminders, among others.

Recruiting software is perfect for creating an applicant database. This function lets users keep track of the people who have applied for positions within the company. The database stores information on people who have completed an application or submitted a resume. Many programs assign ID numbers to applicants, making it easier to keep track of the applicants. The software can also be used to check if an applicant has previously applied to work for the company. Recruiting software applicant databases are also able to keep track of what sources the applicants came from, allowing the company to see how its various recruitment tools are working. This lets the company know if newspaper ads, websites, employment agencies, or other sources are supplying a stream of qualified applicants.

Recruiting software can be expensive and complicated, but it usually saves company money in the long run, and the organizational aspects of the software make hiring new employees much easier.

An Introduction To New York Personal Injury Lawyers

A person is always subject to the chance of an accident or other mishaps that might inflict an injury on him or her. For example, it is a common thing for a person to get injured through the misdeeds of others. In such cases, when a person gets wounded or injured through the negligence or deliberate activity of a third person, personal injury lawyers are the people on whom the victim can rely.

New York is the busiest city of the United States of America, where all types of people from different parts of the country make their way to earn their living. Therefore, every person there has a high probability of facing an accident through the mistake of another one. On such cases, the victim who suffers such an unfortunate event has the full right to take legal action against the person responsible for such event. This not only gives proper justice to the victim, but also gives him or her the opportunity to claim compensation for the treatment.

New York-based personal injury lawyers and law firms provide all the legal services in New York federal court for claiming compensations. Most of the lawyers and attorneys practicing in New York are experienced and diligent professionals who can render support for all legal functions (starting from presentation in the court to claiming monetary compensation for medical and other expenses).

Most of the New York-based personal injury lawyers and attorneys are experienced professionals in their respective fields of personal injury law. Among various personal injury lawyers in New York are wrongful death lawyers, personal mesothelioma lawyers, and birth injury lawyers.

An Introduction To Military Boarding Schools

Military schools foster physical and mental growth in a positive environment. Contrary to popular belief, military establishments are not given to exacting standards of discipline using hostile means. The right school helps motivate young minds and shape their future.

Writers like Enid Blyton colored our imagination with her exciting and funny accounts of boarders in St. Clare’s and Malory Towers. Military boarding schools do not offer similar ‘adventures’ but are centers of excellence in every way. They focus on discipline, teamwork and molding young minds, especially those with a desire to join the military forces. Boot camps and military schools are not the same. For defiant teenagers, military schools are not always open.

Boarding schools have many advantages. For parents living in areas with inadequate educational facilities they are a great option. Learning to live away from home and being physically separated from loved ones is no easy task. But the children learn to be independent and adapt to changing environments. The faculty and students often have better interaction, and the variety of academic and extracurricular activities hones individual talents. The schools are often strict, but help prepare students for college life and military service.

Choose the right school suited to the child’s needs by conducting extensive research. In the US, there are boys-only and Christian military schools as well. For example, the Army and Navy Academy (Carlsbad, CA), Marine Military Academy (Harlingen, TX) and Fork Union Military Academy (Fork Union, VA) are all boys. St. John’s Northwestern Military Academy (Delafield, WI) and Hargrave Military Academy (Chatham, VA) are Episcopal and Baptist Christian schools. Admiral Farragut Academy (St.Petersburg, FL) and New York Military Academy (Cornwall on Hudson, NY) are co-ed.

An Introduction To MCSE Certification

Microsoft certifications are one of the most popular and coveted certifications in the information technology industry today. There is great demand for Microsoft-trained professionals in the job market. Microsoft also offers many certification levels depending upon user proficiency and the nature of the job. One of the most popular certificates is the MCSE certificate.

Most IT professionals pursue MCSE training after they have gained experience in the industry. This enables them to implement their newly acquired skills in their jobs. The certification is ideal for anyone who wishes to design and implement infrastructure for business solutions in certain installations that use Microsoft Windows platforms. It also provides an edge to professionals already in the field, as the formal certification guarantees recognition by employers and scope for higher promotions.

Some people wishing to work in the industry also take the certification. This added tool provides a valuable benchmark for prospective employers to assess the skills of the candidate, and for the employee to negotiate for a competitive salary.

Microsoft offers different MSCE certifications for different users. There is the MSCE on Windows server 2003 and the MSCE on Microsoft Windows NT 4.0, and Windows 2000. There are specializations available for security and messaging on both servers 2003 and 2000. This is beneficial for employees of companies already working on these systems to enhance their skills.

Microsoft has independent requirements for the MSCE certification on the Windows 2000 platform and on Windows server 2003. For the certificate pertaining to the Windows 2000 platform one needs to clear five core examinations, four of which are based on the operating systems and one on design. There are two elective exams which help determine technical proficiency and the level of ease in solution design and implementation.

For the Windows server 2003 there are six core exams required, four of which are based on networking systems, one on client operating systems and one design exam. There is one elective examination similar in nature to the one for Windows 2000.

An Introduction To Free Sample Resumes

Increasing competition in the job market has provided a job seeker the status of a commodity that needs to be marketed properly. Resumes are to be structured to woo the market by working on the presentational skills. There are free sample resumes that guide in this process of presentation and can be obtained from the Internet. The placement cells of different universities also provide free sample resumes. Some consultation agencies provide assistance in resume making and charge a fee. However, the Internet is the most reliable source of finding free resumes.

There are many sites on the Internet that offer free sample resumes. They have resume templates for a wide variety of professions. Users can download these templates from the net and can further customize the resume according to their requirements. A resume should be timely modified with additional experiences. Apart from the resume templates, these sites also provide free sample covering letters, which are used to send resumes by post.

The Web sites also provide specific industrial resumes. The requirements of an airline industry differ from those of teaching. They provide different ways of presenting information as per the industry. Hence, industry specific resumes are a must. Apart from this, free sample resumes also guide experienced people by helping them present their credentials in a better manner. Sample resumes cater to almost every possible industry, ranging from manufacturing and commerce to technology and teaching.

Some Web sites provide interdisciplinary resumes, but these are not free of cost. The user has to pay a fixed amount to get the resume made as per his or her requirements. This is known as a customized resume.

Free sample resumes provide guidance in preparing a new resume, though every feature in them may not be always be necessary. Thus one should not entirely depend on these resumes and should pick only the essential components when compiling their own document.