When you are going to spend $100,000 on a two-year MBA degree, it pays you to make sure that you get it from a top college. Almost everyone can name one or two most popular business schools - these include Harvard Business School, made famous in books such as "What they don't teach you at Harvard Business School", and Stanford Graduate School of Business. However, for an average student looking to get a business degree, it is hard to come up with the top ten MBA schools in US without looking it up somewhere. That is why we present to you this list of the seven best MBA schools in the US. All the following colleges have come up tops in the rankings of magazines such as Financial Times, The Economist and the Business Week.
Harvard Business School (HBS) is the graduate business
school of Harvard University in Boston, Massachusetts, United States. The
school offers a large full time MBA program, doctoral programs, and many
executive education programs.
HBS is consistently ranked among the foremost business school
in the world, its rated #1 among the U.S. business schools by U.S. business schools
by U.S. News & World Report, #1
by the QS Global 200 Business Schools Report, #2 by Bloomberg BusinessWeek, and #1 for Forbes.
According to the school, the new MBAs of 2012 are now
enjoying median base salaries of $125,000, and three-quarters have also
received signing bonuses of $20,000. A fifth of the class also benefits from
what is graded referred to as “other guaranteed compensation” of more than
$25,000. And some new graduates are doing substantially better. One joining a
private equity firm, for example, had nailed a base starting salary of
$200.000, and all this in a class where the average length of work experience
was less than four years.
The Wharton School at University of Pennsylvania offers
graduate programs in these departments and concentrations: accounting,
actuarial science, e-commerce, entrepreneurship, finance, general management,
health care administration, human resources management, insurance,
international business, marketing, operations management, public policy, real
estate, and quantitative analysis and operations research, Its tuition is full
time: $57,026 per year. At graduation, 79.7 percent of graduates of the full
time program are employed.
The Wharton School at the University of Pennsylvania was the
U.S.’s first business school and now has the largest alumni network in the
country.
Admission
The MBA program at University of Pennsylvania (Wharton) admits students who have an average GMAT score of 725, which is drastically higher than the average for all Graduate Business Schools.
The MBA program at University of Pennsylvania (Wharton) admits students who have an average GMAT score of 725, which is drastically higher than the average for all Graduate Business Schools.
In addition to graduate business degrees, students can
pursue joint degrees, including an accelerated M.B.A/J.D. degree in three years
in conjunction with the Penn Law School; an M.B.A. /M.A. degree in areas like
Management and International Studies, Social Change, and Environmental Studies;
and joint degree programs through the Harvard Kennedy School of Government.
Students can also earn a Ph.D. at Wharton, typically in four to five years, in
nine areas including Ethics & Legal Studies, Statistics, and Applied Economics.
Tuck School of Business, part of the prestigious Dartmouth College, is the oldest graduate school of business in the world (founded in 1900). It offers only one degree programme, the full-time MBA, and claims this gives it added focus. The school is noted for general management, teamwork, close student–faculty relations and the Tuck experience of a small residential programme in a beautiful, if slightly remote, semi-rural setting. Almost all work is done in assigned teams and the ability to succeed in collaborative working is essential.
Admission
The MBA program at Dartmouth College (Tuck) (NH) admits students who have an average GMAT score of 719, which is drastically higher than the average for all Graduate Business Schools, and an average incoming GPA of 3.5, which is far higher than the average for all Graduate Business Schools.
The MBA program at Dartmouth College (Tuck) (NH) admits students who have an average GMAT score of 719, which is drastically higher than the average for all Graduate Business Schools, and an average incoming GPA of 3.5, which is far higher than the average for all Graduate Business Schools.
Student Body
The total enrollment at Dartmouth College (Tuck) (NH) is 280, which is slightly more than the average for all Graduate Business Schools. The average work experience of a Dartmouth College (Tuck) (NH) MBA student is 5 years.
The total enrollment at Dartmouth College (Tuck) (NH) is 280, which is slightly more than the average for all Graduate Business Schools. The average work experience of a Dartmouth College (Tuck) (NH) MBA student is 5 years.
Stanford University is a private institution that was
founded in 1885. It has a total undergraduate enrollment of 7,063, its setting
is suburban, and the campus size is 8,180 acres. It utilizes a quarter based
academic calendar. Stanford University’s ranking in the 2014 edition of Best
Colleges is National Universities, 5. Its tuition and fees are $43,245
(2013-14).
Stanford University’s pristine campus is located in
California’s Bay Area, about 30 miles from San Francisco. Stanford offers a
wide range of student organizations, including the Stanford Pre-Business
Association and Stanford Solar Car Project, which designs, builds, and races a
solar car every two years. The Stanford Cardinals are well known for the
traditional “Big Game” against Cal, an annual football competition that awards
the Stanford Axe- a sought after trophy- to the victor. Stanford also has successful
programs in tennis and golf. Only freshman are required to live on campus, but
students are guaranteed housing for all four years and most choose to remain on
campus. Greek life at Stanford represents approximately 10 percent of the
student body.
The Business School at Columbia University offers graduate
programs in these departments and concentrations: accounting, consulting,
economics, entrepreneurship, finance, general management, health care
administration, human resources management, international business leadership,
marketing, production/operations management, portfolio management, real estate,
and quantitative analysis/statistics and operations research. Its tuition is
full-time: $58,384 per year and executive: $2,688 per credit. At graduation,
77.0 percent of graduates of the full-time program are employed.
At Columbia Business School, graduate students can pursue a
full-time M.B.A., executive M.B.A., Ph.D., and Master of Science in Marketing
or Financial Economics. Regardless of their degree focus, students can take
courses offered across Columbia University’s academic divisions as electives,
which make up more than half the M.B.A. curriculum. For students who prefer a
broader education, dual degrees are offered at 10 other schools at Columbia
University, varying from a master’s in urban planning to a dental degree.
In the core M.B.A. classes, groups of about 60 students take
all first-year classes together – an attempt by the school to foster a sense of
community. Students can check out about 100 graduate organizations, catch
frequent presentations by business leaders, and research in more than 20
centers on campus, like the Center for Decision Sciences and the Center on
Japanese Economy and Business. Graduates students may live in university
housing but are not guaranteed a spot.
The University of Chicago Booth School of Business is ranked
second by Economist. It was known as The University of Chicago Graduate School
of Business before 2008, when it was renamed following the grant of an $300
million endowment by alumnus David G. Booth. The school has two additional
campuses in Singapore and London, apart from two campuses in Chicago, USA.
Students in the Full-time MBA,
Executive MBA, and Part-time MBA programs can concentrate in one or more areas,
although some concentrations’ required coursework may necessitate schedule modifications
for students enrolled in the part-time program. The areas are:
- Economics
- Finance
- General Management
- Human resource management
- International business
- Marketing management
- Operations management
- Strategic management
I've often wondered why financial education
isn't taught in school just like math, English and science. In truth, I think
it needs to be a core subject. It's certainly a skill that we'll all utilize
throughout our lives, and without it we tend to suffer.
Perhaps that's the reason. If you subscribe to
some of the theories out there, the modern education system was designed and
funded by the elite over a century ago. At that time the globe was full into
the industrial revolution, and there was a high demand for factory workers.
Why not create an "education system"
that churns out obedient, well trained workers to man the factories. They'd be
used to reporting in at a certain time, asking to use the washrooms, eating and
taking breaks when the establishment permits.
Whether you buy into that theory completely or
not, I believe there's certainly some truth there. When you follow the money
through the system across the globe, it tends to all point back to the same
handful of organizations owned by the same handful of wealthy families.
Trying to get into business school can be
gruesome, and you're not even guaranteed a spot on the consultancy firm you're
eyeing even if you graduate. The statistics are alarming: Wall Street has lost
34,000 jobs, and only fourteen percent of MBA graduates at the average business
school secured consulting jobs last year (down from twenty-four percent five
years ago). But getting into a top-rated business school might just get you
that extra lift you badly need to get to the top yourself.
Getting into a business school is difficult,
depending on your grades and your financial means. First, you need to think
about what specific field you want to study. When you have done that, the next
thing is to acquire a decent budget. Remember-the top has its price, and it
isn't cheap.
After you've done that, try looking at their
requirements; most of them have units in finance as prerequisites or require
job experience (for graduate school). Preparing yourself for the interview is
very helpful, as some of the top-rated business schools tend to accept students
with better-developed personalities. State business schools are a way to go if
you want a decent school without the "price over quality" tag some
private business schools have. Some state-run schools are top rated, too, but
admission is very competitive.
If you're planning on entering a private
business school, there are many to choose from. Try to research which field the
school is known for and then weigh your options. A well-known name or a general
reputation of a school may appear more than it actually is, so you have to be
careful not to be deceived with this. A true top business school produces the
best students; research the top executives running the big companies or those who
own successful consultancy firms today and see which school they graduated
from.
Once you've entered business school, you will
find that the lessons are more realistic in a sense that the cases you study or
are presented with are from actual situations in the corporate world. You might
be embedded in a lot of research work for this and that can become overwhelming
if you're working part time. Don't get fooled by Tom Cruise in "Risky
Business." These schools can be exhausting.
Another thing to check is the faculty and
research facilities they have. How many books have the faculty published and
how efficient are the laboratories and libraries? Scheduling for a campus tour
must cover these things.
So, you are done with high school and you need to decide on a university. Well, I recommend financial school. Why do I recommend it now, when we are still dealing with the effects of the financial crisis and no one is willing to pay a large salary to any of their employees? That is exactly why I recommend it, because people today are more afraid of not wasting their money that they will actually pay for someone to tell them what to do with their money. That is where you come in and provide with financial services for reasonable fees. Why should these people give their money to someone else? Follow a financial school and let them give the money to you.
Now, financial school might be about numbers and calculus, but it is also about knowing how to deal with certain financial issues and also learning a bit about the law behind financial situations. You will surely appreciate the fact that any kind of calculus you have to do is basic and does not involve advanced mathematics or any kind of complicated formulas. All you need to do is to know what you add and subtract to get the right number.
You will surely find it reasonably easy going through financial school, but remember that you do need to be a professional adviser after you graduate, so make sure that all the information you get is accurate and that you remember it when you need it. Providing with quality financial services should be easy.
Why travel insurance?
Travel insurance is an essential part to any trip as it protects the insured from any illness or losses that may occur during your trip. Travel Insurance can cover the insured against medical care, hospitalization, accident, or other misfortune depending on each insurance provider.
Travel Insurance is a must have insurance policy especially for travelers. The policy coverage can be for a one day trip or a month's trip depending on the purpose of the Insured. The cost of travel insurance usually ranges up to 12 percent of the cost of your vacation/trip.
Is travel insurance really necessary and how many people actually get paid for their claims?
Travel insurance is highly recommended since there are usually about 10% of people who do file claims. Sometimes travelers suffers from misfortunes during a trip in which they would've had to pay out of their own pockets had they not bought travel insurance.
Motor Insurance policy, or sometimes called Vehicle Insurance policy is vital and a must have policy for car/vehicle owners to possess.
Motor Insurance covers any mobile items ranging from its cubic capacity, model, type, and usage of each car or truck. Normally, a lower cubic capacity engine vehicle will bear a lesser premium amount when compared with a higher cubic capacity engine.
As for motor sport vehicle or high end race car, other types of Motor Insurance policies will apply and normally the premium rate is significantly higher than other normal cars or trucks.
In general, the policy of Motor Insurance covers the insured against loss or injury to his/her own vehicle and the 3rd party vehicle.
In addition, some insurance providers also add a Personal Accident Insurance coverage in the Motor Insurance policy to add value as well as to further satisfy their customers’ needs.
Similar to the Fire Insurance policy, the Householder Insurance also covers the property you have against theft, flame, and also flood (depending on the extended perils you may add). However, rather than protecting the building, Household Insurance covers all the belongings you have inside your property. For example, this pertains to your Plasma TV, Couches, Kitchen Cabinet, Expensive Paintings, Vases, Sculpture, and many more.
Many people obtain the Fire Insurance but forget about the valuable household items they have inside their household, which could often be higher than the property itself.
So my suggestion is, whenever you buy a Fire Insurance plan from your insurance provider, try asking them about their rates on the Householder/Houseowner Insurance as well. Often times you could get a discount if you purchase them together from the same insurer.
Fire Insurance is a type of insurance that protects the Insured's property from any disaster or unfortunate event caused by basic fire and lightning or other perils. These includes but or not limited to: Aircraft Damage, Earthquake and Volcanic Eruption, Thunderstorm, Tempest, Flood, Explosion, Impact Injury, Bursting or Overflowing of Water Tanks or Pipes, Bush Fire, Subsidence and also Landslip/Landslide, Spontaneous Combustion, Malicious Damage, and/or Damage by Falling Trees or Branches.
If any of these events has caused fire on the property building, the Insured will therefore have the right to make a claim against the Insurance Company in which the policy is written.
Why is it so important that you take up Fire Insurance for the property/properties? It is because the main benefit it offers is huge. As you're able see above, the Fire Insurance policies not only covers fire but other perils such as damages done by falling trees!
So learn the advantages the Fire Insurance can offer you and start insuring your property immediately. Remember, prevention is always better than cure.
Insurance have existed for centuries where it was first to serve as being a protection to the global trader’s goods against loss from pirate attacks on the sea. The insurance company during that period of time was to bear the losses of the unfortunate traders using the money it has gathered from other participating traders so as to help the unfortunate traders.
The aim of insurance in general is to help the unfortunate one through the use of a portion of the collected/pooled money to compensate whatever amount of loss to the victim. With this in mind, the unfortunate victims can carry on with their daily lives immediately without needing to worry about other financial obligations.
There are many classes of insurance available throughout the world. Each country has its own meaning and definition of the various insurance class. However, I will not go into details on the different definitions within each country. Instead, I will discuss the general factors and the benefits it would bring to individuals.
Health insurance is perhaps the most complex insurance form of all. You need to buy such coverage to help you have your medical bills covered in case you get sick or injured. You can purchase individual coverage or a family coverage. You can also have part of your insurance paid by your employer. There are a number of plans to choose from including private coverage, health maintenance organization coverage and point of service coverage. You can purchase such coverage from a privately owned company or to participate in a state insurance program.
Why Health Insurance?
The main reason why you need an affordable health insurance is to help you plan ahead in the event of unexpected emergencies. The only way you can accomplish this is by assessing the different prices from the leading insurance carriers as well as choosing a medical care insurance plan that best suits you. Back in the days, obtaining a cheap health insurance plan has simply been unaffordable. But nowadays, individuals, friends, families, and students can choose a health insurance plan that is catered solely for them. (e.g. like acquiring a help insurance plan that ensures that an individual suffering from any previous medical condition is not excluded).
With this type of insurance, you can cover the building you reside in as well as your personal belongings inside against different kinds of perils. Some of the common perils you can insure your home against include fire, theft, windstorm, hale and civil riots. Many of the current policies do not cover your property and belongings against floods and earthquakes. It is advised that you purchase such types of coverage as separate riders.
Landlords may also insure the property they rent to others with landlord insurance. If you rent a house or a condo, you can cover your possessions with renter insurance.
What are the costs?
The exact cost of house insurance will usually depend on what it would cost to replace the house and what extra riders are attached to your policy. The policy is a long-term contract, and it explicitly lays out in what circumstances insurance companies will and will not support the coverage. Acts of God (Hurricanes, Land-Slides etc) or damages due to acts of War are commonly not included in the basic house insurance policies deals but can be included if you have a significant risk of these circumstances arising. The levels of these risks all affect the initial price of the policy.
What is a Car Insurance?
Car insurance, also known as vehicle insurance, is an insurance purchased for cars and vehicles that operate on the road. Car insurance policy companies cover you and your passengers in the event of an accident. However, it is up to you to decide the level of coverage you want to get.
In most countries around the world, including Canada or U.S., drivers and vehicle owners are legally required to purchase certain types of auto insurance coverage. These include personal injury liability coverage and property damage liability coverage. With these kinds of coverage, the insurer agrees to make payments for any medical and car repair bills, in the event that you are held responsible for injuring other people and damaging their cars. You can also buy collision coverage and personal injury protection coverage on top of that.
Auto Insurance is a must regardless of whether you are a good or bad driver, experienced, or inexperienced. This is to ensure that you're insured in the event that your car is stolen or involved in an accident. There are a variety of insurance available depending on your personal need, and each type of insurance has its own cost. So, here are the two different types of auto insurance that you need to know.
First is the Fully Comprehensive Car insurance. It is a complete policy and it insures most of the accessories in your vehicle. In case of accidents, you are fully covered for all the damages incurred for both your own car as well as other vehicles. This type of insurance coverage is usually recommended for new or novice drivers. Often, this will always be more expensive and the premium will depend on the sum insured.
If you don't need a fully comprehensive insurance, choosing a third party insurance is a viable option as well. It is slightly cheaper but not all the accessories are covered inside the policy. For example, overheated engines and chipped windows are usually not covered by the policy. If any accidents do occur, the policy only covers the actual damages done on the other vehicle as well as the injured passengers in your car. Damages on your own car will likely be fixed by yourself. This type of auto insurance is suitable for experienced drivers.
When you're paying an excessive amount for Car Insurance - it's time to seek change.
Auto insurance is not a luxury but a necessity. In order to reach the maximum advantage experts recommend that you shop around for auto insurance coverage every 2 to 3 years. As policies change and new players enter the market, there are increasingly new and attractive auto insurance plans that you could take advantage of. You should consider changing your auto insurance when:
- You are availing a tremendous amount of mortgage to buy property and also the bank or institution offers you lower interest rate on home and vehicle insurance through their tie-ups.
- You are trying to cut costs and are seeking to reduce your every day budget. Shop around online for competitive auto insurance rates and change the car insurance company to one who offers you the best deal.
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Tuesday, 31 December 2013
Best MBA Schools
When you are going to spend $100,000 on a two-year MBA degree, it pays you to make sure that you get it from a top college. Almost everyone can name one or two most popular business schools - these include Harvard Business School, made famous in books such as "What they don't teach you at Harvard Business School", and Stanford Graduate School of Business. However, for an average student looking to get a business degree, it is hard to come up with the top ten MBA schools in US without looking it up somewhere. That is why we present to you this list of the seven best MBA schools in the US. All the following colleges have come up tops in the rankings of magazines such as Financial Times, The Economist and the Business Week.
Sunday, 29 December 2013
Harvard Business School
Harvard Business School (HBS) is the graduate business
school of Harvard University in Boston, Massachusetts, United States. The
school offers a large full time MBA program, doctoral programs, and many
executive education programs.
HBS is consistently ranked among the foremost business school
in the world, its rated #1 among the U.S. business schools by U.S. business schools
by U.S. News & World Report, #1
by the QS Global 200 Business Schools Report, #2 by Bloomberg BusinessWeek, and #1 for Forbes.
According to the school, the new MBAs of 2012 are now
enjoying median base salaries of $125,000, and three-quarters have also
received signing bonuses of $20,000. A fifth of the class also benefits from
what is graded referred to as “other guaranteed compensation” of more than
$25,000. And some new graduates are doing substantially better. One joining a
private equity firm, for example, had nailed a base starting salary of
$200.000, and all this in a class where the average length of work experience
was less than four years.
Friday, 27 December 2013
Wharton Business School
The Wharton School at University of Pennsylvania offers
graduate programs in these departments and concentrations: accounting,
actuarial science, e-commerce, entrepreneurship, finance, general management,
health care administration, human resources management, insurance,
international business, marketing, operations management, public policy, real
estate, and quantitative analysis and operations research, Its tuition is full
time: $57,026 per year. At graduation, 79.7 percent of graduates of the full
time program are employed.
The Wharton School at the University of Pennsylvania was the
U.S.’s first business school and now has the largest alumni network in the
country.
Admission
The MBA program at University of Pennsylvania (Wharton) admits students who have an average GMAT score of 725, which is drastically higher than the average for all Graduate Business Schools.
The MBA program at University of Pennsylvania (Wharton) admits students who have an average GMAT score of 725, which is drastically higher than the average for all Graduate Business Schools.
In addition to graduate business degrees, students can
pursue joint degrees, including an accelerated M.B.A/J.D. degree in three years
in conjunction with the Penn Law School; an M.B.A. /M.A. degree in areas like
Management and International Studies, Social Change, and Environmental Studies;
and joint degree programs through the Harvard Kennedy School of Government.
Students can also earn a Ph.D. at Wharton, typically in four to five years, in
nine areas including Ethics & Legal Studies, Statistics, and Applied Economics.
Thursday, 26 December 2013
Tuck School of Business
Tuck School of Business, part of the prestigious Dartmouth College, is the oldest graduate school of business in the world (founded in 1900). It offers only one degree programme, the full-time MBA, and claims this gives it added focus. The school is noted for general management, teamwork, close student–faculty relations and the Tuck experience of a small residential programme in a beautiful, if slightly remote, semi-rural setting. Almost all work is done in assigned teams and the ability to succeed in collaborative working is essential.
Admission
The MBA program at Dartmouth College (Tuck) (NH) admits students who have an average GMAT score of 719, which is drastically higher than the average for all Graduate Business Schools, and an average incoming GPA of 3.5, which is far higher than the average for all Graduate Business Schools.
The MBA program at Dartmouth College (Tuck) (NH) admits students who have an average GMAT score of 719, which is drastically higher than the average for all Graduate Business Schools, and an average incoming GPA of 3.5, which is far higher than the average for all Graduate Business Schools.
Student Body
The total enrollment at Dartmouth College (Tuck) (NH) is 280, which is slightly more than the average for all Graduate Business Schools. The average work experience of a Dartmouth College (Tuck) (NH) MBA student is 5 years.
The total enrollment at Dartmouth College (Tuck) (NH) is 280, which is slightly more than the average for all Graduate Business Schools. The average work experience of a Dartmouth College (Tuck) (NH) MBA student is 5 years.
Wednesday, 25 December 2013
Stanford University
Stanford University is a private institution that was
founded in 1885. It has a total undergraduate enrollment of 7,063, its setting
is suburban, and the campus size is 8,180 acres. It utilizes a quarter based
academic calendar. Stanford University’s ranking in the 2014 edition of Best
Colleges is National Universities, 5. Its tuition and fees are $43,245
(2013-14).
Stanford University’s pristine campus is located in
California’s Bay Area, about 30 miles from San Francisco. Stanford offers a
wide range of student organizations, including the Stanford Pre-Business
Association and Stanford Solar Car Project, which designs, builds, and races a
solar car every two years. The Stanford Cardinals are well known for the
traditional “Big Game” against Cal, an annual football competition that awards
the Stanford Axe- a sought after trophy- to the victor. Stanford also has successful
programs in tennis and golf. Only freshman are required to live on campus, but
students are guaranteed housing for all four years and most choose to remain on
campus. Greek life at Stanford represents approximately 10 percent of the
student body.
Tuesday, 24 December 2013
Columbia Business School
The Business School at Columbia University offers graduate
programs in these departments and concentrations: accounting, consulting,
economics, entrepreneurship, finance, general management, health care
administration, human resources management, international business leadership,
marketing, production/operations management, portfolio management, real estate,
and quantitative analysis/statistics and operations research. Its tuition is
full-time: $58,384 per year and executive: $2,688 per credit. At graduation,
77.0 percent of graduates of the full-time program are employed.
At Columbia Business School, graduate students can pursue a
full-time M.B.A., executive M.B.A., Ph.D., and Master of Science in Marketing
or Financial Economics. Regardless of their degree focus, students can take
courses offered across Columbia University’s academic divisions as electives,
which make up more than half the M.B.A. curriculum. For students who prefer a
broader education, dual degrees are offered at 10 other schools at Columbia
University, varying from a master’s in urban planning to a dental degree.
In the core M.B.A. classes, groups of about 60 students take
all first-year classes together – an attempt by the school to foster a sense of
community. Students can check out about 100 graduate organizations, catch
frequent presentations by business leaders, and research in more than 20
centers on campus, like the Center for Decision Sciences and the Center on
Japanese Economy and Business. Graduates students may live in university
housing but are not guaranteed a spot.
Monday, 23 December 2013
University of Chicago
The University of Chicago Booth School of Business is ranked
second by Economist. It was known as The University of Chicago Graduate School
of Business before 2008, when it was renamed following the grant of an $300
million endowment by alumnus David G. Booth. The school has two additional
campuses in Singapore and London, apart from two campuses in Chicago, USA.
Students in the Full-time MBA,
Executive MBA, and Part-time MBA programs can concentrate in one or more areas,
although some concentrations’ required coursework may necessitate schedule modifications
for students enrolled in the part-time program. The areas are:
- Economics
- Finance
- General Management
- Human resource management
- International business
- Marketing management
- Operations management
- Strategic management
Sunday, 22 December 2013
Financial Education?
I've often wondered why financial education
isn't taught in school just like math, English and science. In truth, I think
it needs to be a core subject. It's certainly a skill that we'll all utilize
throughout our lives, and without it we tend to suffer.
Perhaps that's the reason. If you subscribe to
some of the theories out there, the modern education system was designed and
funded by the elite over a century ago. At that time the globe was full into
the industrial revolution, and there was a high demand for factory workers.
Why not create an "education system"
that churns out obedient, well trained workers to man the factories. They'd be
used to reporting in at a certain time, asking to use the washrooms, eating and
taking breaks when the establishment permits.
Whether you buy into that theory completely or
not, I believe there's certainly some truth there. When you follow the money
through the system across the globe, it tends to all point back to the same
handful of organizations owned by the same handful of wealthy families.
Saturday, 21 December 2013
Business School
Trying to get into business school can be
gruesome, and you're not even guaranteed a spot on the consultancy firm you're
eyeing even if you graduate. The statistics are alarming: Wall Street has lost
34,000 jobs, and only fourteen percent of MBA graduates at the average business
school secured consulting jobs last year (down from twenty-four percent five
years ago). But getting into a top-rated business school might just get you
that extra lift you badly need to get to the top yourself.
Getting into a business school is difficult,
depending on your grades and your financial means. First, you need to think
about what specific field you want to study. When you have done that, the next
thing is to acquire a decent budget. Remember-the top has its price, and it
isn't cheap.
After you've done that, try looking at their
requirements; most of them have units in finance as prerequisites or require
job experience (for graduate school). Preparing yourself for the interview is
very helpful, as some of the top-rated business schools tend to accept students
with better-developed personalities. State business schools are a way to go if
you want a decent school without the "price over quality" tag some
private business schools have. Some state-run schools are top rated, too, but
admission is very competitive.
If you're planning on entering a private
business school, there are many to choose from. Try to research which field the
school is known for and then weigh your options. A well-known name or a general
reputation of a school may appear more than it actually is, so you have to be
careful not to be deceived with this. A true top business school produces the
best students; research the top executives running the big companies or those who
own successful consultancy firms today and see which school they graduated
from.
Once you've entered business school, you will
find that the lessons are more realistic in a sense that the cases you study or
are presented with are from actual situations in the corporate world. You might
be embedded in a lot of research work for this and that can become overwhelming
if you're working part time. Don't get fooled by Tom Cruise in "Risky
Business." These schools can be exhausting.
Another thing to check is the faculty and
research facilities they have. How many books have the faculty published and
how efficient are the laboratories and libraries? Scheduling for a campus tour
must cover these things.
Friday, 20 December 2013
Financial School
So, you are done with high school and you need to decide on a university. Well, I recommend financial school. Why do I recommend it now, when we are still dealing with the effects of the financial crisis and no one is willing to pay a large salary to any of their employees? That is exactly why I recommend it, because people today are more afraid of not wasting their money that they will actually pay for someone to tell them what to do with their money. That is where you come in and provide with financial services for reasonable fees. Why should these people give their money to someone else? Follow a financial school and let them give the money to you.
Now, financial school might be about numbers and calculus, but it is also about knowing how to deal with certain financial issues and also learning a bit about the law behind financial situations. You will surely appreciate the fact that any kind of calculus you have to do is basic and does not involve advanced mathematics or any kind of complicated formulas. All you need to do is to know what you add and subtract to get the right number.
You will surely find it reasonably easy going through financial school, but remember that you do need to be a professional adviser after you graduate, so make sure that all the information you get is accurate and that you remember it when you need it. Providing with quality financial services should be easy.
Saturday, 30 November 2013
Travel Insurance
Why travel insurance?
Travel insurance is an essential part to any trip as it protects the insured from any illness or losses that may occur during your trip. Travel Insurance can cover the insured against medical care, hospitalization, accident, or other misfortune depending on each insurance provider.
Travel Insurance is a must have insurance policy especially for travelers. The policy coverage can be for a one day trip or a month's trip depending on the purpose of the Insured. The cost of travel insurance usually ranges up to 12 percent of the cost of your vacation/trip.
Is travel insurance really necessary and how many people actually get paid for their claims?
Travel insurance is highly recommended since there are usually about 10% of people who do file claims. Sometimes travelers suffers from misfortunes during a trip in which they would've had to pay out of their own pockets had they not bought travel insurance.
Travel insurance is an essential part to any trip as it protects the insured from any illness or losses that may occur during your trip. Travel Insurance can cover the insured against medical care, hospitalization, accident, or other misfortune depending on each insurance provider.
Travel Insurance is a must have insurance policy especially for travelers. The policy coverage can be for a one day trip or a month's trip depending on the purpose of the Insured. The cost of travel insurance usually ranges up to 12 percent of the cost of your vacation/trip.
Is travel insurance really necessary and how many people actually get paid for their claims?
Travel insurance is highly recommended since there are usually about 10% of people who do file claims. Sometimes travelers suffers from misfortunes during a trip in which they would've had to pay out of their own pockets had they not bought travel insurance.
Motor Insurance
Motor Insurance policy, or sometimes called Vehicle Insurance policy is vital and a must have policy for car/vehicle owners to possess.
Motor Insurance covers any mobile items ranging from its cubic capacity, model, type, and usage of each car or truck. Normally, a lower cubic capacity engine vehicle will bear a lesser premium amount when compared with a higher cubic capacity engine.
As for motor sport vehicle or high end race car, other types of Motor Insurance policies will apply and normally the premium rate is significantly higher than other normal cars or trucks.
In general, the policy of Motor Insurance covers the insured against loss or injury to his/her own vehicle and the 3rd party vehicle.
In addition, some insurance providers also add a Personal Accident Insurance coverage in the Motor Insurance policy to add value as well as to further satisfy their customers’ needs.
Motor Insurance covers any mobile items ranging from its cubic capacity, model, type, and usage of each car or truck. Normally, a lower cubic capacity engine vehicle will bear a lesser premium amount when compared with a higher cubic capacity engine.
As for motor sport vehicle or high end race car, other types of Motor Insurance policies will apply and normally the premium rate is significantly higher than other normal cars or trucks.
In general, the policy of Motor Insurance covers the insured against loss or injury to his/her own vehicle and the 3rd party vehicle.
In addition, some insurance providers also add a Personal Accident Insurance coverage in the Motor Insurance policy to add value as well as to further satisfy their customers’ needs.
Household Insurance
Similar to the Fire Insurance policy, the Householder Insurance also covers the property you have against theft, flame, and also flood (depending on the extended perils you may add). However, rather than protecting the building, Household Insurance covers all the belongings you have inside your property. For example, this pertains to your Plasma TV, Couches, Kitchen Cabinet, Expensive Paintings, Vases, Sculpture, and many more.
Many people obtain the Fire Insurance but forget about the valuable household items they have inside their household, which could often be higher than the property itself.
So my suggestion is, whenever you buy a Fire Insurance plan from your insurance provider, try asking them about their rates on the Householder/Houseowner Insurance as well. Often times you could get a discount if you purchase them together from the same insurer.
Many people obtain the Fire Insurance but forget about the valuable household items they have inside their household, which could often be higher than the property itself.
So my suggestion is, whenever you buy a Fire Insurance plan from your insurance provider, try asking them about their rates on the Householder/Houseowner Insurance as well. Often times you could get a discount if you purchase them together from the same insurer.
Fire Insurance
Fire Insurance is a type of insurance that protects the Insured's property from any disaster or unfortunate event caused by basic fire and lightning or other perils. These includes but or not limited to: Aircraft Damage, Earthquake and Volcanic Eruption, Thunderstorm, Tempest, Flood, Explosion, Impact Injury, Bursting or Overflowing of Water Tanks or Pipes, Bush Fire, Subsidence and also Landslip/Landslide, Spontaneous Combustion, Malicious Damage, and/or Damage by Falling Trees or Branches.
If any of these events has caused fire on the property building, the Insured will therefore have the right to make a claim against the Insurance Company in which the policy is written.
Why is it so important that you take up Fire Insurance for the property/properties? It is because the main benefit it offers is huge. As you're able see above, the Fire Insurance policies not only covers fire but other perils such as damages done by falling trees!
So learn the advantages the Fire Insurance can offer you and start insuring your property immediately. Remember, prevention is always better than cure.
If any of these events has caused fire on the property building, the Insured will therefore have the right to make a claim against the Insurance Company in which the policy is written.
Why is it so important that you take up Fire Insurance for the property/properties? It is because the main benefit it offers is huge. As you're able see above, the Fire Insurance policies not only covers fire but other perils such as damages done by falling trees!
So learn the advantages the Fire Insurance can offer you and start insuring your property immediately. Remember, prevention is always better than cure.
History of Insurance
Insurance have existed for centuries where it was first to serve as being a protection to the global trader’s goods against loss from pirate attacks on the sea. The insurance company during that period of time was to bear the losses of the unfortunate traders using the money it has gathered from other participating traders so as to help the unfortunate traders.
The aim of insurance in general is to help the unfortunate one through the use of a portion of the collected/pooled money to compensate whatever amount of loss to the victim. With this in mind, the unfortunate victims can carry on with their daily lives immediately without needing to worry about other financial obligations.
There are many classes of insurance available throughout the world. Each country has its own meaning and definition of the various insurance class. However, I will not go into details on the different definitions within each country. Instead, I will discuss the general factors and the benefits it would bring to individuals.
The aim of insurance in general is to help the unfortunate one through the use of a portion of the collected/pooled money to compensate whatever amount of loss to the victim. With this in mind, the unfortunate victims can carry on with their daily lives immediately without needing to worry about other financial obligations.
There are many classes of insurance available throughout the world. Each country has its own meaning and definition of the various insurance class. However, I will not go into details on the different definitions within each country. Instead, I will discuss the general factors and the benefits it would bring to individuals.
Thursday, 31 October 2013
Health Insurance
Health insurance is perhaps the most complex insurance form of all. You need to buy such coverage to help you have your medical bills covered in case you get sick or injured. You can purchase individual coverage or a family coverage. You can also have part of your insurance paid by your employer. There are a number of plans to choose from including private coverage, health maintenance organization coverage and point of service coverage. You can purchase such coverage from a privately owned company or to participate in a state insurance program.
Why Health Insurance?
The main reason why you need an affordable health insurance is to help you plan ahead in the event of unexpected emergencies. The only way you can accomplish this is by assessing the different prices from the leading insurance carriers as well as choosing a medical care insurance plan that best suits you. Back in the days, obtaining a cheap health insurance plan has simply been unaffordable. But nowadays, individuals, friends, families, and students can choose a health insurance plan that is catered solely for them. (e.g. like acquiring a help insurance plan that ensures that an individual suffering from any previous medical condition is not excluded).
Why Health Insurance?
The main reason why you need an affordable health insurance is to help you plan ahead in the event of unexpected emergencies. The only way you can accomplish this is by assessing the different prices from the leading insurance carriers as well as choosing a medical care insurance plan that best suits you. Back in the days, obtaining a cheap health insurance plan has simply been unaffordable. But nowadays, individuals, friends, families, and students can choose a health insurance plan that is catered solely for them. (e.g. like acquiring a help insurance plan that ensures that an individual suffering from any previous medical condition is not excluded).
House Insurance
With this type of insurance, you can cover the building you reside in as well as your personal belongings inside against different kinds of perils. Some of the common perils you can insure your home against include fire, theft, windstorm, hale and civil riots. Many of the current policies do not cover your property and belongings against floods and earthquakes. It is advised that you purchase such types of coverage as separate riders.
Landlords may also insure the property they rent to others with landlord insurance. If you rent a house or a condo, you can cover your possessions with renter insurance.
What are the costs?
The exact cost of house insurance will usually depend on what it would cost to replace the house and what extra riders are attached to your policy. The policy is a long-term contract, and it explicitly lays out in what circumstances insurance companies will and will not support the coverage. Acts of God (Hurricanes, Land-Slides etc) or damages due to acts of War are commonly not included in the basic house insurance policies deals but can be included if you have a significant risk of these circumstances arising. The levels of these risks all affect the initial price of the policy.
Landlords may also insure the property they rent to others with landlord insurance. If you rent a house or a condo, you can cover your possessions with renter insurance.
What are the costs?
The exact cost of house insurance will usually depend on what it would cost to replace the house and what extra riders are attached to your policy. The policy is a long-term contract, and it explicitly lays out in what circumstances insurance companies will and will not support the coverage. Acts of God (Hurricanes, Land-Slides etc) or damages due to acts of War are commonly not included in the basic house insurance policies deals but can be included if you have a significant risk of these circumstances arising. The levels of these risks all affect the initial price of the policy.
Wednesday, 30 October 2013
Auto or Car Insurance
What is a Car Insurance?
Car insurance, also known as vehicle insurance, is an insurance purchased for cars and vehicles that operate on the road. Car insurance policy companies cover you and your passengers in the event of an accident. However, it is up to you to decide the level of coverage you want to get.
In most countries around the world, including Canada or U.S., drivers and vehicle owners are legally required to purchase certain types of auto insurance coverage. These include personal injury liability coverage and property damage liability coverage. With these kinds of coverage, the insurer agrees to make payments for any medical and car repair bills, in the event that you are held responsible for injuring other people and damaging their cars. You can also buy collision coverage and personal injury protection coverage on top of that.
Car insurance, also known as vehicle insurance, is an insurance purchased for cars and vehicles that operate on the road. Car insurance policy companies cover you and your passengers in the event of an accident. However, it is up to you to decide the level of coverage you want to get.
In most countries around the world, including Canada or U.S., drivers and vehicle owners are legally required to purchase certain types of auto insurance coverage. These include personal injury liability coverage and property damage liability coverage. With these kinds of coverage, the insurer agrees to make payments for any medical and car repair bills, in the event that you are held responsible for injuring other people and damaging their cars. You can also buy collision coverage and personal injury protection coverage on top of that.
Tuesday, 29 October 2013
Types of Car Insurance
Auto Insurance is a must regardless of whether you are a good or bad driver, experienced, or inexperienced. This is to ensure that you're insured in the event that your car is stolen or involved in an accident. There are a variety of insurance available depending on your personal need, and each type of insurance has its own cost. So, here are the two different types of auto insurance that you need to know.
First is the Fully Comprehensive Car insurance. It is a complete policy and it insures most of the accessories in your vehicle. In case of accidents, you are fully covered for all the damages incurred for both your own car as well as other vehicles. This type of insurance coverage is usually recommended for new or novice drivers. Often, this will always be more expensive and the premium will depend on the sum insured.
If you don't need a fully comprehensive insurance, choosing a third party insurance is a viable option as well. It is slightly cheaper but not all the accessories are covered inside the policy. For example, overheated engines and chipped windows are usually not covered by the policy. If any accidents do occur, the policy only covers the actual damages done on the other vehicle as well as the injured passengers in your car. Damages on your own car will likely be fixed by yourself. This type of auto insurance is suitable for experienced drivers.
First is the Fully Comprehensive Car insurance. It is a complete policy and it insures most of the accessories in your vehicle. In case of accidents, you are fully covered for all the damages incurred for both your own car as well as other vehicles. This type of insurance coverage is usually recommended for new or novice drivers. Often, this will always be more expensive and the premium will depend on the sum insured.
If you don't need a fully comprehensive insurance, choosing a third party insurance is a viable option as well. It is slightly cheaper but not all the accessories are covered inside the policy. For example, overheated engines and chipped windows are usually not covered by the policy. If any accidents do occur, the policy only covers the actual damages done on the other vehicle as well as the injured passengers in your car. Damages on your own car will likely be fixed by yourself. This type of auto insurance is suitable for experienced drivers.
Monday, 28 October 2013
Why Change Your Car Insurance Company?
When you're paying an excessive amount for Car Insurance - it's time to seek change.
Auto insurance is not a luxury but a necessity. In order to reach the maximum advantage experts recommend that you shop around for auto insurance coverage every 2 to 3 years. As policies change and new players enter the market, there are increasingly new and attractive auto insurance plans that you could take advantage of. You should consider changing your auto insurance when:
- You are availing a tremendous amount of mortgage to buy property and also the bank or institution offers you lower interest rate on home and vehicle insurance through their tie-ups.
- You are trying to cut costs and are seeking to reduce your every day budget. Shop around online for competitive auto insurance rates and change the car insurance company to one who offers you the best deal.
Auto insurance is not a luxury but a necessity. In order to reach the maximum advantage experts recommend that you shop around for auto insurance coverage every 2 to 3 years. As policies change and new players enter the market, there are increasingly new and attractive auto insurance plans that you could take advantage of. You should consider changing your auto insurance when:
- You are availing a tremendous amount of mortgage to buy property and also the bank or institution offers you lower interest rate on home and vehicle insurance through their tie-ups.
- You are trying to cut costs and are seeking to reduce your every day budget. Shop around online for competitive auto insurance rates and change the car insurance company to one who offers you the best deal.
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