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stpaulscollegebangalore · 8 months ago

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TOP10 JOB PROFILES FOR MSc FRESHERS IN 2023

Master of Science(MSc) is a two year post graduate course often pursued by students after their graduation in BSc(Bachelor of Science) or B.A(Bachelor of Arts). Doing a masters in science gives a boost to your career as well as gives you an opportunity to go deeper in your field of interest. MSc degree can be pursued in various industries like science, technology, finance and management. Jobs after MSc course depend on various factors like interest, experience, industrial demands and popular trends. If you too have been asking the question that “What to do after M.Sc?” then you have come to the right place. This article will help you tackle the confusion and provide you the 10 best job profiles available for a M.Sc fresher.

So, with no more wait, let’s begin:

Lecturer

If you have great interest in your subject and you have the knack of sharing your knowledge, you might want to become a lecturer. This is one of the most popular profession among the MSc graduates. Usually you have to clear an exam called UGC-NET but various universities employ lecturers without NET qualification too. If the teaching profession fascinates you, you can explore your opportunities as a lecturer.

Your salaries varies according to the pay scale of government and private colleges.

Researcher

The world has seen a massive growth in research and development in the recent years. Hence, the demand for research professionals have also increased. One of the most popular career options after MSc is of a researcher. You can immediately start your research in technical as well as non technical sectors depending on your specialization. You can contribute to the public or can work under any private organization. Many universities also offer attractive stipends to researchers.

Statistician/ Data Analyst

In a world where almost every sector has adopted digitalization, the importance of data is known to all of us. People who are good at handling data and who can obtain useful information from it, have been in demand recently. After your MSc, depending on your specialization you can work as a statistician in various sectors such as business, health care, environmental sciences or even the government. Data analysts are one of the most highly paid individuals in the current job market.

Clinical Psychologist

Clinical psychologists are people who work at psychiatric clinics and help people tackle mental conditions. People persuing their masters in psychology can become clinical psychologists. You will need to get a license from the RCI(Rehabilitation Council of India). Clinical Psychology is the most popular specialization among the psychology students. With the increasing awareness about mental health among people, clinical psychology promises to have a bright future.

Open doors to the realm of human behavior. Secure your MSC Psychology admission in Bangalore effortlessly. Explore reputable institutions, streamlined admission processes, and a path to in-depth psychological understanding

Field Officer

If you are not the person who likes to do a desk job and likes getting his/her shoes dirty, you can become a field officer. A field officer collects data that is often used for research purposes. The data can be collected from a wide array of industries. Popular sectors where field officers are employed are agriculture, horticulture, geology departments, marketing and social sciences. Many private companies hire field officers for collection of data. To be a field officer under the government, you need to clear the IBPS FO exam.

Actuary

Actuaries are people who are trained to study the financial cost and assess the loss suffered under uncertain events. You can become an actuary after completing your MSc in actuarial sciences. They generally work with insurance companies or with the Income tax department under the government. They use modern statistical tools and technologies to assess. Actuary is one of the most well paid professions in the finance sector.

Ecologist

Ecologists are professionals that study the relationship between the biotic and a-biotic components of the environment. They are in charge to assess the impact of industrial activities on the environment. With climate change being a major concern for all the countries, ecologists are being employed in all departments of the government and private companies. You can become an ecologist after pursuing MSc in Ecology. If you really love nature and want to work for mother earth, becoming an ecologist is the way to go.

Quality Manager

You can choose to pursue an Msc in Quality Management. You will learn how to effectively manage environments, people and resources. There are various sectors in which one can pursue masters such as engineering management, food quality systems management, environmental quality management etc. A quality manager is required in every sector and hence trained professionals are in high demand. Government offices as well as private corporations employ quality managers to look over the safety measures and legal compliances within the organization.

Information Security Analyst

With growing cyber threats and hacking groups, every company has employed information security analyst to safeguard their data. This is one of the best jobs for someone who has done their masters in computer science. If you are good with softwares and know basic level of programming, you can earn well being an information security analyst. Government institutions like DRDO and RAW also hire security experts. They are also hired by banks to safeguard confidential information.

Government Services

If none of the above job profiles excited you, you can also try taking various entrance exams conducted by government organizations . There are various exams such as UPSC, state PCS exams, SSC etc. These exams can give you jobs under the government. The government jobs are considered to be stable and safe. Though every year the number of applicants in these exams are constantly increasing and hence the competition too.

ROLE OF ST PAULS IN GETTING YOU YOUR DREAM JOB

Experienced Facility :We at ST PAULS believe in learning from the best. The faculty here hold enough experience in their respective fields to be the guiding figures for you. They have excelled in their academics and have on field experience as well. It’s certain that under their guidance the path to your dream job will be a lot smoother.

Emphasis on practical learning :It is very well to known to everyone that how important it is to have the practical training and we at ST PAULS bring that to action. Advanced labs with modern equipments give you the perfect opportunity to apply your theories in practical to strengthen your concepts.

Diversity: You should always keep exploring various fields in order to gain more exposure and use that experience in your jobs. Our college is a perfect amalgamation of all the three streams i.e. Science, arts and commerce. You have the luxury to expand your learning into different streams and build a strong profile to attract more job opportunities.

Additional courses and workshops: We offer our students various additional and bridge courses with certifications. We also invite intellectuals from various fields to embark their knowledge on our students through online webinars and offline seminars. This will help you learn from the best in the business.

Placement training and Assistance: We proudly hosted 50+ companies in our campus the previous academic year and the number keeps on increasing every year, Our placement cell helps you build a profile and convert a campus interview. You receive placement training through workshops.

We hope you found this article useful. We’ve tried to cover all the job profiles that are in demand and also that will stay relevant in the future. Remember that its your career so put your interests and requirements a priority. A M.Sc. degree at ST PAULS College, Bengaluru will open to you a plethora of opportunities and make you eligible for all these job profiles.

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charangupta-blog · 6 years ago

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According to experts from leading actuarial companies in India, a meticulously outlined gratuity funding strategy can markedly reduce the tax liability of a company. But it’s not only the tax benefits that are to be thought about while settling on whether to fund a gratuity scheme. There are other factors.

#Actuarial companies Bangalore

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sankhyiki · 3 years ago

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Sankhyiki: Best IIT Jam Coaching In Delhi

Sankhyiki are best at their following offers such,

Sankhyiki is a supreme educational institute that offers courses like Actuarial Science, IIT-JAM, CSIR-NET/JRF, GATE in (mathematics and statistics), and Data Science (R and Python). They help individuals to develop their career options in such a learning environment through face-to-face and direct-to-home (DTH) video classes for each course.

For exam preparation is by providing them plenty of time for practice and revision.udents just in case of missed classes and on-demand doubt sessions to make sure each module is completed before the exam. Sankhyiki prepares students for exams and helps them for every circumstance so the student can keep their studies on track. The convenience of studying with them is the best as they schedule classrooms in a suitable way for all students.

You can find a long list of students that have successfully qualified exams including, all India subject toppers. Students stay worry-free with sankhyiki as they are always ready to help students in study technique, profession, and time management queries. They follow a supreme approach of leveraging content, technology, marketing, and services to offer quality education in partnership with corporate & academics for a rigorous & industry program.

They aimed to provide quality education to offer better future and career goals to every individual. They work with a core principle of conducting themselves with honesty and ethics to prepare for every opportunity. They are committed to providing quality content, assessment tools, and educational services in all possible media.

Classroom training, in which they teach students by face-to-face tutorials at several locations across cities.

DTH classes make studying convenient for students in which they can take tutorials at their home comfort through HD quality videos; no need to have an internet connection.

Corporate training offers corporate training programs.

Courses sankhyiki offers:

Actuarial Science

IIT JAM(Maths & Statistics)

NET/JRF & GATE Maths

Data Science

BIMANKIK

DTH Classes

Actuarial Science:

Actuarial science involves the study of evaluating risks and maintaining the economic stability of insurance or financial corporations. Students of Actuarial science learn using Mathematics, Statistics, and Probability principles for anticipating future financial events and measures to be taken accordingly. Actuarial Science aims to have the knowledge to perform an actuary job. They analyze past data and use it in determining how much money should be set aside to cover financial losses that can occur in the future.

The prime challenge that every actuary faces is when they didn’t get any past data or the data is not relevant to use in a particular situation.

The Exam of Actuarial Science is no doubt difficult and requires intense preparation to pass the exam. Many students take 7-10 years to pass all the exams; the exam is of 3-5 hours and involves MCQ and written answers both. An actuary can work as an actuary assistant or junior analyst in its initial stage of career.

IIT JAM(Maths & Statistics):

Joint admission test is an M.Sc. (JAM) conducted by the Indian Institute of Technology (IITs) for further admission in Ph.D. degree programs at IISc, Bangalore, and M.Sc(two years), Joint M.Sc.- Ph.D. dual degree, Joint M.Sc- M.tech, M.Sc- M.S.(research)/Ph.D dual degree and other Post Bachelor’s degree programs at IITs.

The exam is conducted to consolidate Science as a career option for better future opportunities worldwide. The academic environment, interdisciplinary interaction, and research infrastructure at Sankhyiki motivate the students to pursue their careers not only in research and development but in interdisciplinary areas of science and technology too. The weightage of mathematics and statistics in IIT JAM is 40% and 60%.

NET/JRF & GATE Maths:

NET/JRF exam is a reputed exam for higher studies and teaching, Stands for the National Eligibility Test for Lectureship in Indian Universities and Colleges. A test score is compulsory for all aspirants who are willing to pursue a career as an assistant professor in universities and colleges across India. JRF (Junior Research fellow) is a way of getting admission to a Ph.D. if you want to go for research.

Exams conducted by CSIR will get the NET-JRF after you can apply for admission to Ph.D. programs.

Data science:

Data science involves different tools, algorithms, and machine learning with the motive to discover hidden patterns from the available raw data. It is a field that gives insights from structured and unstructured data by using various scientific methods and algorithms to help in generating insights, making predictions, and devising data-driven solutions. Data science uses various large amounts of data to get relevant insights through statistics and computation for decision-making. Data used in data science is generally extracted from different sources i.e. E-commerce sites, social media, survey reports, etc. access to the data is possible only because of advanced technology.

The extracted data helps in making predictions and generating profits for the corporation. Data Scientist is considered as one of the demanded career fields as per the survey.

BIMANKIK

A course of Excel, VBA, and R for Actuarial aspirants; at Sankhyiki students get training for the same. As per the market demand, they have analyzed that companies need people who have a great knowledge of Excel as many actuarial/ insurance corporations work on excel.

They have created the Curriculum in a way that it caters to the requirements of the actuarial aspirants and therefore the learning accompanied through CAPSTONE PROJECTS which make a student ready for the big day.

At Sankhyiki, learning includes loan calculators, Data Visualization, Exploratory Data Analysis, Understanding Statistics, and Application in the field of insurance with Actuarial case studies i.e., Run of Triangles, Computing cash flows, Running Regressions, and making predictions.

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schoolofeconomicsblog · 3 years ago

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The Details You Need To Know For Doing An MSC In Economics

The field of Economics is vast and includes every micro and macro aspect related to the market and economic status of the different countries. It consists of the areas related to the limitations, scope, markets, production, consumers and distribution of services and goods in an economy. To understand this field in detail, you need to do an MSc in Economics.

Defining Economic honours

In the course of Economic honours, the students are expected to learn about the way of dealing with scientific, economic and commerce jobs. To understand these, they are being taught some essential skills. These skills include:

Problem-solving skills

Analytical Skills

Logical Reasoning

Critical Thinking

This subject is quite essential for building a base for higher studies because this includes the analysis related to the aspects of the environment and the economy. So, you can apply this knowledge to different topics associated with society.

What job roles can you expect after doing your graduation course in Economics?

After doing economic honours, you can expect to have jobs in the areas of statistics, social development, data science, actuary, marketing and finance. A career in economics is extremely rewarding and reputed. Some of the job roles that you can do after graduation in Economics are as follows:

Indian Economic Service

Policy-Making

Economics & Its Related Disciples

Development Sector Organizations

Management Consulting

Economist (Corporate Sector Films)

Sales Executive/Analyst

Rural Development

Human Resource

Finance

Operation Manager

Actuarial Science

System Analysis

Many recruiters recruit students who have done their higher studies in this subject. Some of the companies that hire students from this background to help them with their business process are:

Intelent Global Service

Wipro Technologies

IBM Group

Accenture

Capgemini

To get into a good Economics college, you need to secure around 45 per cent in your board exams. However, the percentage of the cut-off do vary for different colleges.

Doing an Economic honours course from a good university is also important. A good university will provide you with the best faculty members. They will guide you and help you to get an in-depth understanding of the subject. Some of the names of the best university for studying Economics are listed below:

Symbiosis School of Economics College in Pune, Maharashtra

Shri Ram College of Commerce, Delhi

St. Stephens College, Delhi

Lady Shri Ram College, South Delhi

Miranda House, Delhi

St. Xavier’s College, Kolkata

Loyola College, Chennai

Christ University, Bangalore

Presidency University, Kolkata

Madras Christian College, Chennai

Indira Gandhi Institute of Development Research

#msc economics #Economics honours course #symbiosisschoolofeconomics

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krupanidhi · 3 years ago

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Some important and introductory details regarding the Bachelor in Computer Application Course

Graduates with a BCA degree have an easier time changing work because the material they're tutored is veritably applicable and designed with what will be demanded of computer operations professionals in mind. The BCA course in Bangalore is unique in that it covers both theoretical and practical computer moxie. After scale, BCA graduates work as system masterminds, system testers, inferior programmers, web inventors, system directors, and software inventors, among other positions. Some IT mammoths, such as TCS, Infosys, Wipro, Microsoft, and others, are eager to hire freshers.

BCA Graduates Job Openings and Prospects

After completing a BCA in computer wisdom, graduates are suitable to find work because their education has handed them the necessary exposure to excel in a technological field. Likewise, BCA scholars can feel their compass has expanded because numerous universities enable scholars to perform externships or work placements as part of their studies, giving them commodity to include in their CVs and adding their chances of landing a advanced- paying job."Software Publishers,""Database Directors,""Information System Directors,"and other job titles are available to recent grads.

The following are some of the most common BCA occupations.

Principal Information Officers in the Software Industry

Directors of databases

Directors of computer systems

Judges who work with computers.

BCA Graduates Can Work in These Fields

A BCA degree opens you to a plethora of career choices and pays well. It prepares scholars for the colorful BCA career openings available to them, as well as icing that they exceed in whatever path they elect.

The following is a list of diligence where scholars can find work after completing their BCA

Banks

Computers and Electronics Associated with Them Manufacturers consultancies

Institutes of Finance

Institutes of Higher Education

Surveillance and security are two effects that come to mind when allowing security. Companies

Companies that work on software

Agencies of Government

Support Services

BPO

Conservation of the Traffic Control System

Graphics

Actuaries for Web Design

Design, development, and testing of multimedia games

Security and Surveillance on the Mainframe

BCA Graduates' Compensation Packages

Payment after completing a BCA is determined by a variety of criteria, including specialization, work position, and experience. The average BCA graduate payment is INR3.7 LPA. This compensation is subject to change according to the experience scholars get through externships and work placements, as this can help them expand their BCA compass and earn further plutocrat after scale. Also, to add further there are some best known BCA colleges in Bangalore which are really great for their quality education.

#BCA course in Bangalore #Best BCA College in Bangalore #BCA Colleges in Bangalore

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scentedbeardgarden · 3 years ago

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Data Analytics courses

This Micro Masters program is a series of graduate level courses in data science, designed by professors of University of California, San Diego and delivered online via edX. It is a very immersive program that can help to gain critical skills needed to advance as a data scientist. It aims to develop an in-depth understanding of the mathematical and computational tools that form the basis of data science and usage of those tools to make data-driven business decisions. Courses on the Approved List under Interdisciplinary Data Science include subject matter courses and courses that require substantial interpretation of data and report writing. Students completing the Certificate will be presented with an official certificate document and will be free to use this credential on a CV, resume or application for advanced study. The program is designed for data scientists who can manipulate data and gain insights to detect patterns.

Many of these certifications require quite a bit of studying and memorization. However, if you’ve already dedicated yourself to a data scientist career, chances are good that you’ve already learned many of the underlying concepts, and/or worked with software that operates on similar principles. That means companies are paying top dollar for data scientists, and having certifications helps when negotiating for higher compensation.

Finally, to understand statements about the probability of a candidate winning, you will learn about Bayesian modeling. At the end of the course, we will put it all together to recreate a simplified version of an election forecast model and apply it to 2016 election. This course will show you how inference and modeling can be applied to develop the statistical approaches that make polls an effective tool and we'll show you how to do this using R.

A PGP in Business Analytics, however, has courses on basics of statistical modeling, artificial intelligence, machine learning, and text mining related to relevant business problems and used by business managers across different industries. There are different elements to data science courses that vary based on how the individual wishes to apply the knowledge and the career path they would like to go on. We currently have 14 collaborative master’s, and doctoral data science courses that students can choose to attend after successfully completing their PGP data science certification with INSOFE in India.

Data Analytics courses

This course focuses on graphical techniques for data visualization that assist in the extraction of meaning from datasets. This involves the design and development of efficient tools for the exploration of large and often complex information domains. Applications of visualization are broad, including computer science, geography, the social sciences, mathematics, science and medicine, as well as architecture and design. The course will cover all aspects of visualization including fundamental concepts, algorithms, data structures, and the role of human perception. This course gives a basic exposition of the goals and methods of data mining and data warehouses, including concepts, principles, architectures, algorithms, implementations, and applications.

Our industry's real case scenarios based and expert’s led training don’t just expose you with the skills, they expose you to the fundamentals that are required for pursuing a fulfilling professional IT career. The purpose of this certificate is to provide an introduction to the concepts, tools and techniques used in data science, and their relevance within an actuarial context. With increased digital access to data and the development of powerful, but inexpensive, computing, in the 21st century the formulation and evaluation of public policy is more and more reliant on the analysis of data. This certificate seeks to prepare students for careers where data analysis plays a central role. This course is designed to help you learn how deep learning really works and how it can be used on anything.

The Certificate in Data Science provides you with the knowledge to draw conclusions on data reliably and robustly. This course will help you learn how Reinforcement Learning solutions help solve real-world problems through trial-and-error interaction by implementing a complete RL solution from beginning to end. The USP of this course is that throughout the certification, you will analyze a research question of your choice and summarize your insights. Overall, an excellent project-based course to learn something useful in just 2 hours. The is a great Coursera course to learn how to use Excel to prepare and analyze your data which is a great skill to have for any Data Scientist or Data Analyst in the world. In this project, you will work with the COVID19 dataset, published by John Hopkins University, which consists of the data related to the cumulative number of confirmed cases, per day, in each Country.

A certification might be used to train on some of the latest tools or techniques of data management, or might be used to gain the specific expertise required to advance careers or increase earning potential. This is one of the courses that will probably stay with me for a significant amount of time. The platform provides a unique opportunity to try hands-on simultaneously with the coursework in an almost real-life coding example. Besides, learning to use algebra, tech

system and Git is a good refresher for anyone planning to start or stay in technology. I specifically like the MNIST example and the depth to which it goes in explaining each and every line of code. As demand for data science developer soars, individuals can grasp this excellent opportunity to get certified in data sciences.

A working professional with 3-4 years of work experience or an engineer with good credentials can opt to pursue an executive program in data science such as our PGP programs in data science, business analytics or computational data science. However, if an individual is applying to pursue a more advanced degree in data science, then the academic qualifications would need to match the program level. For instance, a doctoral degree requires that an individual have a master's degree prior to working on a PhD research thesis. Similarly, a program like the DBA also accounts for the professional experience in addition to a master's degree. You can reach us at: ExcelR- Data Science, Data Analytics, Business Analytics Course Training Bangalore Address:49, 1st Cross, 27th Main, Behind Tata Motors, 1st Stage, BTM Layout, Bengaluru, Karnataka 560068 Phone: 096321 56744 Directions: Data Analytics courses Email:[email protected]

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apnajobs · 3 years ago

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What are the career options for commerce students in India?

Are you pursuing a degree in commerce? Want to know the career options available? This article explores the popular jobs in India for a commerce student.

In this article, we’ll discuss the most lucrative career choices for commerce students in India. It will help you to understand the various work roles and help you make an informed decision as you step into the professional world.

1. Chartered Accountant

This is the most popular course to pursue in the commerce stream. The course is offered by ICAI (Institute of Chartered Accountants of India) and consists of 3 levels and an articleship. CA is a professional who has a thorough knowledge of accounting, taxation, filing returns and financial statements of individuals and companies. It also consists of various other specializations like Tax auditing, Internal Auditor, Corporate Finance etc. A Chartered Accountant is a highly qualified and respectable professional who is regarded as an expert in his field of specialization.

2. Company Secretary

This is the second most popular course and is offered by ICSI (Institute of company secretaries of India). A company secretary ensures that the company follows all mandatory and statutory requirements of operating a business. This course is also done by passing through 3 levels of exams: Foundation, Executive and Professional. One can also hold positions like Legal advisor and Compliance Officer in companies. This is a job that holds great repute and comes with a lot of dedication and responsibility.

3. Financial Management

The role of a Financial Management professional is focused on an in-depth study of finances and its management, budget, capital management & structuring and so on. This professional field offers various certifications like CFA (Chartered financial analyst), CPA (Certified public accountant), CFP (certified financial Planner). One can become a Financial Officer, Advisor, Financial Auditor, Investment Analyst etc. As you can sense from the titles and designations, all these roles require extensive knowledge and expertise in the field of Commerce.

4. Cost & Management Accounting

It is a part of a managerial study of accounting that focuses on budgeting, analysing and reducing various costs in the company. Its main aim is the optimization of resources to get maximum returns. Preparation of financial reports is also one of the responsibilities in this job. If budgeting and accounting are your strong areas in commerce, then give this career path a serious thought.

5. Banking

Banking is the backbone of a nation’s economic growth. It is a field with diverse types of subjects such as loans, investments, financial services, insurance, currency, foreign exchange, wealth management etc. If you want to deep dive into the world of banking, be prepared to ace your college-level examinations in Commerce. Bankers are highly sought after professionals with a safe and stable career.

6. Statistician

Students who have a keen interest in economics and data analysis can explore this field for higher studies. Statisticians are in great demand in almost every industry which makes this field very lucrative and rewarding. You get to learn about data & risk analysis, statistical tools, research methods, maths, predictive science and scientific decision making through this course.

7. Actuarial Science

Do you like mathematics? Then Actuarial Science can be your calling. It is the field for maths enthusiasts and deals with rigorous study of risks analysis, uncertainty, trend analysis etc. to help the big companies, corporates and business organizations make the right decisions by solving complex problems.

8. Business Management

Managers are required in almost every industry and this makes the study of Business Management one of the most commonly chosen fields by students. MBA is one of the most popular courses taken up by commerce students. You can choose a specialization based on your interests such as finance, marketing, HR, operations, international business, hotel management, hospitality, etc.

9. Entrepreneurship

Want to be your own boss? Entrepreneurship is a career option for those who want to work independently by setting up their own business. Students of B.Com, M.Com, MBA often have more exposure to the world of business. You can gain an insight into the various complex aspects of operating a business with the help of business courses that teach you about management, costs, marketing, sales, customer satisfaction etc. Alternatively, you can gain some experience by working in an industry of your choice to learn the practical ropes of the business before setting up your own enterprise!

10. Law

Lawyers and legal advisers are one of the most influential and powerful people in the professional market. With the rise of new business houses and startups, law graduates are getting lucrative and diverse career opportunities such as corporate lawyer, lecturers, civil services, legal advisors etc. To build a career in law you need to pursue a 5 year-integrated LLB course and LLM for specialization.

Now that you know about the top options in commerce, choose the field that you are passionate about. Alongside, if you are looking for comprehensive career development, explore the apna app. The app offers jobs in over 70 categories across Delhi NCR, Bangalore, Mumbai, Pune, Ahmedabad, Jaipur, Ranchi, Kolkata, Hyderabad, Surat, Lucknow, Ludhiana, Kanpur & Chandigarh. Apart from this, the app facilitates professional networking and skill development for continuous learning and the best opportunities.

Join apna app now!

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annubs-tcs · 4 years ago

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Direct Admission in Mount Carmel for BCA

BCA stands for Bachelor of Computer Application. It is a professional undergraduate program focuses mainly on computer application concepts. The course duration for BCA is 3 years. It comes with the core subjects like- data structures, database system and computer networks. BCA follows semester wise pattern total of 6 semesters. Eligibility criteria for BCA course is should have a mathematical and computer science background in 10+2. BCA course has a large scope in industries since most of the industry relies upon computer applications for smoother works. check BCA syllabus for more insight on the course.BCA eligibiity criteria changes from institutions to institutions, Get Direct Admission in Mount Carmel for BCA for 2020 session.

Contact TRUMP® Career Solution [AN ISO 9001:2015 certified Company].Call @ 9742479101 (Ankit Mishra) || 9742886036 (Anis) || 9035556036 (Mayur Gautam) || 9632226036 (Shekhar) Visit our website-http://www.trump.net.in/ or email us: [email protected]

Employment Areas for BCA Graduates

(Get Direct Admission in Mount Carmel for BCA for 2020 session)

Banks

Consultancies

Computers and Related Electronic Equipment Manufacturers

Financial Institutions

Government Agencies

Schools and Colleges

Software Development Companies

Security and Surveillance Companies

System Maintenance

Technical Support

Traffic Light Management

Graphics

BPO

Multimedia

Mainframe

Website Design

Security & Surveillance

Game Designing, Testing, and Development

Actuaries

Chief Information Officer

Computer Programmers

Computer Systems Analysts

Computer Support Service Specialist

Computer Presentation Specialist

Commercial And Industrial Designers

Database Administrators

Independent Consultants

Information Systems Manager

Project Manager

Systems Administrators

Server/ Networking Trainee

E-Commerce Executive

Software Developers

Software Publishers

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Does a car being Stolen/Recovered Affect Future Insurance Policies?

I am looking to buy a car, and wondering whether a car that had been stolen with keys, and recovered (but not before the insurance company had paid out for it) will have problems getting insurance, similar to cars rated as Cat C, or Cat D?""

How come insurance is almost double for 2 cars.?

I can't drive 2 cars at once, only one at a time. Therefore, the odds of causing an accident are the same as if I had one car. Why don't insurance actuaries know this?""

I have title to my exes car and pay their insurance. How do I get out of it?

Me and my girl broke up a year and a half ago. She's a real piece of work. We lived together for 3 years and had everything is each others names. Utility bills, cell phone bills etc. She never paid any of her bills on time and it destroyed her credit. I signed for a car for her because she's had multiple DUI's and didn't have the credit to get her own. She made the payments on it and I never put any money down. The car title is in my name and she has paid it off. She can't get insurance because of the DUI's. I just want to be done with it so I don't have to deal with her anymore but she wants me to hold off until she finished her DUI classes to get a reasonable rate on insurance. She's been telling me the same thing for a year plus. I'm not even sure if she's taken or taking these classes yet or not. I asked her about it the other day and she never responded to me. I had left her a voicemail and she never called me back. This really pisses me off. So my question is if I sign the title and make her sign it as well do I have any more resposibility with the automobile? I just want to drop her from my insurance and give her the title. Is she wrecks or, god forbid, kills someone while driving am I liable for anything?""

Who pays $200.00 for car insurance?

I just got a Nationwide quote for car insurance and it was over $200.00 for the monthly payments. Im just now getting my own car/car insurance(in my name), Im a female in my mid-twenties, had my first two speeding tickets last year. Plan on getting a 2007 Pontiac G6, and I will be driving it to work and school. is $200.00 a normal monthly amount to be paid for me?""

""I would like to buy bmw 328i 2000 and i live in Michigan, how much insurance would cost me?""

I would like to buy bmw 328i 2000 and i live in Michigan, how much insurance would cost me?""

What motorcycle insurance should I get?

I recently got KLR650 and was wondering what kind of insurance should I get? What is the most common coverage? Also what insurance company are you using and are you happy with them when it comes to price and service? Thanks for all the answers

Classic car for a teenager?

Coming up to my 17th birthday soon and i need to buy a car. The sort of car i like is the plymouth cuda 1970 opel manta 72 ford cortina 72 chevy 69 So that kind of muscle car look. However being a teenager i am limited to what i can drive. What would be a good buy and something i can get insured on. Hope you can help Thanks :)

How does a new independent insurance agent get appointed/chartered by insurance carriers?

I'm starting a new independent insurance agency in NJ and foresee difficulty getting appointed/chartered by insurance carriers. Can anyone confirm this to true? Also, if this is the case are there any other options for a new agent? I've heard of 'brokers' that will fill this void and have access to many carrier however they keep 33% of the commissions. Any other options for new agents that anyone might be aware of? - Thanks a lot for any input!""

What is the cheapest and best health insurance out there for a single fella?

What is the company's name and what would I have to pay on a monthly basis? Thank you and good day!

Car insurance?

i hold a foreign ( non EU ) drive license , and all insurance companies ask for ( claim bonus certificate ) and i explained for them that insurance is completly different in our country than the irish system, but no one listen, and i dont know what should i do if i need to drive a car in Ireland ...can any one help ?""

How much would my car insurance cost? ?

Ok, I'm 14 almost 15, and when I'm 15 I will go get my drivers permit, I live in missouri, and Im pretty sure I will be getting my grandmas car. If I got a low end 7 dollars an hour job at 15, would I be able to afford the insurance on my own? my mom doesn't want me on her policy, but I won't be driving her car anyway with my grandmas car that I'll be getting. How is this gonna work, cause I'm clueless. Please help!!!!""

I had medical insurance but did not submit the bills till after the insurance was done new insurance wont cove?

Any help would be appreciated this was actually a few years ago but my dad claimed he was working on it but nothing has been done. Its already gone to an outside collections agency. It was in California

Question on car insurance and modifications?

If I want to just lower my car, will my standrad insurance cover it or will I need to go to a specialist insurer.""

Should I take health Insurance?

I am 30 years old and have no medical history. Should I take Medical Insurance?

How much is car insurance for teenagers?

I've been trying to find the answer for awhile now, but all I find are websites that have paragraphs of information that I don't care too much about. Could you just give me an average number?""

Immediate Medical Insurance Help Required?

Hi I am Rishika from Bangalore. I am new to this place. I had got a medical insurance done for my parents but It got expired one month back. Unfortunately, my mom is due for a surgery in the next week and I am looking for any quick medical Insurance help that I can get. I understand its too late to get a medical insurance done. I can arrange for the medical expenses by hand as of now. Is anyone aware of any policies from which I can reimburse the amount later. Or is anyone aware of any medical insurance people from whom I can make a deal and make it a cashless transaction using the insurance policy?? IM confused like hell. Please please help :(((((( :( Yours, Rishika""

average insurance quote for 18 year old

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatble do you have? Feel free to answer also if you do not have insurance and do you support obamacare?""

Insurance for a 17 year old girl?

Can anyone please give me an estimate on how much insurance might cost me for one year? I'm 17.. did Drivers Training.. and would get my own car.. I think it's a 1992 Aurora. Thanks!

What happens if you get caught without auto in card in Texas in an accident in an insured car?

Does anyone know a health insurance company that will insure you AFTER you go to the hospital?

Is is possible to get insurance after being admitted to the hospital? I know it's very highly unlikely, but if the premiums and the deductable are absurdly high ... who knows?""

What is the average rate of car insurance for 16 year old driver?

I am going to be 16 and i am just wondering how much will the insurance charge is i get added on right when i get my license?

Help with insurance?

As of Friday I found out I was pregnant. I would like to schedule a doctors appt. ASAP but i dont have health insurance. Which would be the best and quickest insurance that I can apply for? and is there an insurance that I can apply for online?

Affordable Senior homes?

what is the best place for seniors who live on their own and have health problems or have difficulty in taking care of themselves? Something that can be affordable in the same time.

Car insurance car placement?

i'm moving into the city alone, and car insurance is probably going to go up for me. I'm turning 20 this summer. can i do the following: 1. still have insurance under parents so i can pay cheaper while living alone. 2. put my name under an older car with my parents to be at that place, but drive my real car there.""

Car insurance for occasional use?

My question is this... I want to get a motorbike so that I use my car less often (a bike is cheaper to run). Are there any companies (in England, UK) who offer car insurance for occasional use only ('pay-per-use' style??)? I would like to commute to work each day on my motorbike and only use the car once a fortnight. This would be good for my pocket (what with the credit crunch effecting our lives) and also good for the environment (less fuel used). Ideally, I would only use a motorbike, but really do have to keep the 4 wheeled alternative as I have my 2 daughters once a fortnight. Could anyone please help me answer this question. It would be very much appreciated!! Any other suggestions you could offer would also be appreciated! Thank you!""

How much is car insurance for an 18 year old female in the state of Florida?

Cheap car insurance companies?

I just turned 17, and im gonna be learning to drive soon, but once I have learnt to drive, I can't afford the insurance""

Will my car insurance monthly payments increase AFTER i rent a vehicle (READ BELOW)?

I already own a 4-door sedan, which I cover with monthly insurance for a reasonable value. Although recently, I had to rent a pick-up truck from Enterprise Rent-A-Car to move some furniture from a friend's house to my place. Upon sigining of the necessary rental documents, the rental car agent and I came across the section about insuring the rented vehicle; as Enterprise Rent-a-Car will always offer their own insurance services, I mentioned to them that I already have car insurance of my own, of which I can look forward to saving the additional $39 which Enterprise Rent-a-Car originally offers. I encouraged Enterprise Rent-a-Car to contact my insurance provider so that both of us can be sure that my car insurance provider will cover the pick-up truck I am about to borrow from them. (Full coverage that is) Everything went smoothly and Enterprise Rent-a-Car agreed to insure their truck under my own car insurance. My car insurance provider also approved of my intention to borrow the truck and cover the said truck using my insurance. Two weeks later came the insurance bill, and to my wondering, I saw that my following monthly insurance payments all jacked-up their prices to one dollar addtional per month! Huh?!?!?! What could have caused this? Could it be the fact that I have had the rented pick-up truck and the request to insure the said truck under my own car insurance resulting to a somewhat considerable claim of some sort? Any opinions or personal experience you may have had? Thanks Alot YaHoO Readers/Responders! A vote comes to the most sensible and brainstormed answer!""

Change in Health insurance? Or not?

First, I hate insurance companies. I really don't understand how they can continue to get away with the cherry picking of clients to minimize their losses...I myself have health insurance through my employer, however when I was between jobs at one point I applied for short term coverage and was denied because I had previously had an abnormal pap smear...I was furious!!! My quesiton is - how do you think private health insurance will be impacted, IF AT ALL, if Obama gets elected this fall?""

Cheapest car insurance in nj?

Can I get anything from the insurance company of the guy who totaled my car?

My car was totaled while parked. My insurance will pay blue book value for my vehicle, which is less than what I owe and I don't have gap insurance. Now I am jobless and w/o a car, but needing one ASAP to go to school. Can I get anything from the insurance company of the guy who totaled my car?""

How does bein married or single affect your auto insurance rates?

Do you think people who cause their own health problems should not be covered by insurance?

Some health problems are self-inflicted, others are not. If it can be proven that the health problem in question is self-inflicted, I don't understand why we don't force the patients to pay for it out of their own pockets? If such patients' heath care is covered by insurance companies, that cost is distributed among all their insurance customers. And that is unfair to people like me who go above and beyond to be healthy. Here are some example situations I am talking about: -A tanning bed sunbather who gets skin cancer -A chain smoker who gets lung cancer -A heavy drinker who gets cirrhosis of the liver -An unhealthy eater who gets Type II diabetes or heart disease -Someone with Type I diabetes who has kidney failure due to poor diabetes control. All of these health problems are their own fault (i.e. I think it is pretty well recognized that Paula Dean's diabetes is pretty much her own fault). What ever happened to personal responsibility?""

""I'm 19, have a permit, but do I need insurance to drive with my mom?""

Ok I got a permit, I got it last year..it expires on April 30th. So I was wondering..if i go out and drive with my mom who has a license, do I need to get my own insurance as well? My moms car is insured. I live in California. I haven't driven a whole year because i can't afford my own insurance right now. Lol so do I need to get my own insurance even though my mom and her car are insured? If I get stopped by the cops will I get in trouble? Thnx in advance""

How can a non insured pregnant lady get a health insurance in california that covers maternity and delivery ?

California Health Insurance for a pregnant lady

Can my health insurance cover it?

My dad went to the dr for a check up and found out that he has slight high blood pressure, so he wants to buy a blood pressure machine so he can monitor it while he tries to bring it down so we have health insurance and was wondering if health insurance would pay for the machine if we bought one""

Insurance Question 16 year old?

I am a 16 year old boy, I just got my license. What I have to drive is a 2011 Mustang GT 5.0 liter V8, 2 wheel Drive. The price on the car is $32,565. If both my parents and I are insured on the car, how much should my own personal payment be for 1 month with a normal plan (not collision). My parents have never had an accident and are 40 and 36 years old. If I cannot get an exact quote can someone please tell me about how much the car would be a month to insure? Thanks very much. ***I have also completed a drivers education course that should lower my insurance 10-15%.""

What kind of insurance?

I want to do residential housekeeping .What kind of insurance should i get?What is the difference between being insured or being bonded?please explain ?

Ticket for no proof of insurance in FL?

I received a ticket for no proof of insurance, i did not have the card on me at the time but i do have insurance. When i go to court, will i have to pay the fine or will the ticket be thrown out?""

Car Insurance Firms NOT on Comparison Sites?

Can anyone give me a list of car insurance companies that ARE NOT on comparison web sites like Confused.com? My insurance is up soon and I want to make sure I get the best deal by checking with as many of the big companies as possible. I will be using Confused, but I also want to check with the ones that aren't on there. Thanks.""

What is needed to become a homeowners insurance broker in California?

average insurance quote for 18 year old

What are the other things do I have to pay for besides the car and insurance?

Okay my budget for my first car will be 1000 pounds insurance will be about 4000 or even more...whats MOT and Tax? what about breakdown cover? I'm thinking about getting breakdown cover because I dont really have anyone to call if i'm in trouble...it would save me the embarassment...

How much would it cost to add me on my dads insurance to drive his car? UK?

The car is a 2001 peugeot 206, 1.4 engine Personal information: I'm 17. Work stacking shelves in a super-market. No previous criminal offenses/anything bad related to vehicles. I need the car to commute to college every day, work and the gym. (Need anything else? .. If so, Ill add details)""

Will having to file a SR-22 with that state of Illinois cost me more in insurance?

Car insurance confusion?

I have full comp. insurance for my car and I can drive any other vehicle as 3rd party (As per policy). I also own another car which is not insured to anyone...Can I drive my this car (un insured) under my existing policy as 3rd party ?

How much will buying a 2005 Mistubishi Lancer Evolution 8 raise my insurance premium?

I'm looking into buying a new car and I'm a bit of a motor head and like to race. The Evo 8 is my next choice, but I can't find out how much it will raise my premium. Anyone know? If it helps, my insurance provider is Allstate.""

I have allstate full coverage insurance plan?

Would it cover the auto repair on my car? I curb checked bad and broke the plastic cover on the bottom that keeps water out and i bent something else under my car. Will this cover it,?""

Now that health insurance companies must give a rebate to companies for group plans?

that don't completely utilize coverage, according to an obscure audit formula, will those insured under the group plan feel guilty if they have to use it and it affects everyone in the plan's annual rebate check? And how will insurance companies make up for this loss?""

Grace period between car purchase and insurance purchase?

In NYC is there a grace period between the time that you purchase a vehicle and the time that you purchase insurance? I'll probably be making the purchase next weekend and hopefully my insurance within that same following week. I heard before (I believe I heard it on Cops) that you had 30 days to purchase insurance so long as you kept the purchase receipt for the vehicle in the vehicle, and when you get pulled over (if), you would hand the officer the purchase receipt as a temp insurance and say that you are actively seeking an insurer. Is this true? I'm 20 years old and purchasing my first car (yes you can say hello to my $6000 a year insurance quotes)...so I don't really have much experience in the area. Any info would be awesome - thank you! Also, what exactly is the process? To my understanding it goes like this: 1) Purchase vehicle 2) Purchase insurance 3) Register the vehicle Is this correct?""

Motorbike and car insurance?

With fuel prices in the uk soaring and having to drive 120 miles a day I am seriously considering buying a motorbike to save both time and money. Thing is I'm gonna still need a car for the winter months when we have to deal with increasingly heavy winters... So my question is do i have to pay 12 months insurance for both a car and a bike or is there any way of having a policy that I can put on hold for the months that either vehicle isn't being used?

What kind of car insurance can i obtain?

I am 20 years old and i live in California. I have a driver's license but no car. I have heard that there is a type of insurance policy that can cover any car that I drive that is not of my own. Does anyone know which policy that is and from which agency is it from. Also if its an expensive one.

How can i get temporary car insurance in the UK?

Camaro z28!!!!!!!!!!!!!!!!!!!!!!!!!!!... insurance costs?

how much would insurance cost for a 1990-2000 camaro z28 cost for a 16 year old boy

Cheapest Car Insurance - Canada?

Need a cheap car insurance... Don't spout off answers if you have no idea... I've researched: TD, RBC, CAA, AllState and Statefarm Living in Ontario!""

Do you have to have car insurance?

like the car has liabilty, but i will soon get my liscense and i am wondering if it is required by law for me personally to have insurance.""

Car Insurance Online Chat?

Does anyone know if there is a car insurance company that offers online chat with a representative? If so, which one? A lot of the ones I am looking at ask for all of your information and if when I call others they put you on hold for a long time!""

What is a good place to get affordable health insurence if your employer dosn't offer any?

When buying a car what detirmines how cheap insurance will be?

I am currently Looking for a new car and am trying to get the best rate for insurance as possible what features add to or detract from insurance costs thank you

My mother needs a LOT of dental work! Whats the best insurance to inquire about?

She needs teeth pulled (many of them will need to be surgically removed) and dentures...what would be a good insurance that would cover a good portion of the cost? We live in Florida...

A good reasonable priced inclusive car insurance?

Hello there are that many companies selling car insurance .Which one,s stand out for good value for money.""

Will the insurance company cancel my car insurance after a DUI in VA?

i got a dui in VA, is offence, .08 bac, well i got convicted of yesterday. i have to do a DWI Education classes and have a restricted licence to drive to work. my insurancce is still valid for a good 6 months. do i have to inform the insurance company, will i lose my insurance, do i need a sr22 or not. please advice..""

Where/how can i get kitten care insurance?

please tell me i need to take my 8 week old kitten to the vet (bloomington,IN)""

Insurance Fraud?

About a year ago at this time, I was involved in a car accident where I was turning left onto a 2lane road (stop signs, MY turn) and this girl was turning right onto the same road. She tried to beat me and get in my lane. She ran into my car. Long story short, her fault, no questions asked, even says so on the police report. I filed a report and claim with my insurance co. to get $$ to fix my car. I got the $$ and fixed my car. Well, I was trying to chance insurance co. the other day when I found out that apparently this lady called my ins. company claiming to be my 'mom' admitting fault to the accident. I was 19 at the time, and this was at MY college. So now, it's gone on my record as my fault. Now, I just faxed the insurance co. the report, and they are going to investiage because this girl committed serious fraud. What's going to happen from here on out, legal wise and prosecution wise for her?""

Where can i find the car insurance rates by state?

Looking to see how much car insurance rates are for different states.

Will the car insurance know?

I am a single parent, unemployed and I care for my eighteen month baby while my other child is at f/t school. I have recently passed my driving test and found the car that I want. The only problem is that the f/t course I applied for at college is full and the insurance premium is more for unemployed people and less for students!(which I can't understand). I can't tell them I am a housewife as I am not married, If I tell them that I am a f/t student will they need proof when I pay for the car insurance.""

Do any of you have insurance?

Car insurance cell phone insurance life insurance health insurance renters insurance homeowners insurance Title insurance Troll insurance No matter what the product its good to have insurance AM I RIGHT?

average insurance quote for 18 year old

If I am moving temporarily (3-6 Months) Do i need to get a new drivers license/insurance in the new state?

I am moving temporarily from California to Kansas for 3-6 months and I was wondering if you are required to get a Kansas Divers Liscense and Insurance if the move is only temporary (3-6 Months)?

I need Car Insurance help!?

Well, I'm turning 17 soon and have started thinking about learning to drive and getting my provisional. I know car insurance for a 17 year old boy is very high but there must be some cheap insurance somewhere? From 900-2500 I'm not the richest person ever and don't currently have a job, but I'm actually searching at the moment (just started). I have time to think about it all and everything but ye I need help, also a car which isn't too expensive and the insurance is also pretty cheap would be awesome!""

What is more important? Health Insurance or House/Car Insurance?

If you could only afford one. Which would you pick? Health insurance or House and Car insurance.

How much would insurance for three months cost?

I'm in a sport, wrestling, and i need insurance for at least three months soon. If you know how much insurance like that costs for a company like choc, that would be great because that's where I got it from last time, also i prefer it to be cheap""

""Do You have To pay A Brokers Fee, When They Find U Car Insurance?""

I know some one who payed a huge brokers fee, when they found car insurance for her. Are all broker fee expensive. (finders fees).""

""Car insurance, they didn't take payment, was I insured?""

I have a classic car insurance policy with two cars on it, the policy started on one car but I later added a second. I have just taken the second car off the policy but it turns out ...show more""

How can I get cheap auto insurance?

Hi, I live in Southern California, and recently got my license. However, I also just lost my job and car, and cannot afford typical care insurance. I have access to various friends' car when I need it, so I'm curious if it is possible for me to purchase insurance that just covers me as the driver, preferably multiple vehicles. I also need something cheap! If anyone has any suggestions, it will be much appreciated! Thank you :)""

Does Lowest Quote Wins really lower your insurance to $15 per month?

I saw one of their ads on a car today and was obviously intrigued. How legit is it?

No insurance ticket in texas?

I got a ticket for no insurance. If I get insurance before court will the judge possibly desmiss it? I know some people have had it dismissed by doing that but not sure of circumstances. I had a fender bender accident at age 17 and had no insurance or liscense. Does the offense as a minor count against me now? Or will this be my first offense to the court? I feel so dumb.

Does my car has to have insurance or do I have to have a new insurance for myself in order to drive in NJ?

I'm a bit confused about this issue. I have a permit and I want to do a road test in order to obtain the provisional driver license. The thing is that I heard a lot from people about insurance and now I'm that confused that I don't know what to do. Do I need to have insurance? or does my car need insurance? Can I be under my parents insurance? Would that be cheaper? Could you guys help me figure this out? All I want is to drive legally without any problems, and don't waste money. Could you give me some sources also? Thx ahead""

How could she afford health insurance?

Here's the real life monthly budget of a 28 year old woman I recently met: Wages +1760 [$10 an hour; full time, no holiday bonus pay] Taxes -250 [Social Security, Medicare and Federal Income Tax] Take Home = 1510 rent 600 [1/2 of shared apartment] car 300 [includes auto insurance and repairs] food 200 [and household supplies] electric 50 [her half] cell ph 50 church 50 clothes 100 [includes makeup, beauty, and entertainment] replacements 165 [primarily for her car = 2,000/yr] {used car replaced about every four years with another used car that is about 6 years old when bought. Monthly costs are 150 for insurance, 50 for gas, and 100 for repairs. She has no auto loan payment.] *** How much does this woman have left to buy health insurance with? *** you're exactly right -- ZERO her employer offers all employees a fine health plan -- at a cost of 700 a month for a single employee [employer contribution is zero]. Is there any way she could possibly afford health insurance? Only if it is free. There is no other way. *** what does this woman do if/when she gets sick? because she works in health care, she aks the doctor who sees her patients while he's at her workplace. he looks at her off the record and writes an Rx if needed. cost = zero plus the Rx. *** Here's the challenge -- how do you pay for her health insurance without raising her taxes?? [She can't afford any higher taxes.] Notice that, aside from her car replacement fund, she has no savings, no retirement plan other than Social Security, and almost no assets. One credit card, zero balance, used once a week on average, always pays it off. *** Dear Congressman: This woman is your uninsured target. She almost literally can't afford to pay anything for health insurance; and certainly can't afford fancy health insurance -- she's just barely making it as is. [She makes too much to be eligible for Medicaid since she has no kids.] What's her plan for a serious illness? Go to the hospital, get admitted, and go bankrupt afterward. She has an older used car and no assets -- nothing to be taken away [her car fund would be emptied for rent and food while she's unable to work]. Tell us how this is going to work -- her employer, btw, is almost bankrupt now, so you can't tax it to provide the health insurance unless you also increase health care reimbursements to providers.""

Anyone know about car insurance?

I have always wondered about this.... say you were in a car accident with canceled insurance/ no insurance....but the next day you pay it. Then you reprt the accident, will they cover you?""

Car Insurance and DVLA?

If I was to put my car in my wifes name with the DVLA would I still be able to insure it in my name and have her as the secound driver or would she have to be the insured and me be the secound driver.

""What kind of car insurance do I need for a rental, when I DON'T have any current auto insurance?""

We are looking to rent a car for a month, and since we are both ex-pats, we don't have any USA car insurance. We've looked up and discovered we should get Collision, Liability and Comprehensive insurance. Where can we get these for cheap? My travel insurance includes a Collision option, but no Liability or Comprehensive (I'm American, my husband is English).""

How would car mileage affect the insurance rate?

Will the rate go higher with higher mileage? (98 Corolla, CA) Thanks!""

Are private pilots required to buy insurance for their planes?

Is mental health treatment covered by insurance?

Is counseling and drug therapy typically covered by insurance in the United States? Thanks!

Cheap Car Insurance for a 17 year old ?

I am looking for car insurance in Britain. I am 17 next month so I am looking at provisional prices which aren't too bad. I was curious and put in my birthday a few months earlier and said i had passed, the price was in excess of 4000, for a car worth 1000 ? I then put in the details of a friends new car, hes 17 and only just passed. Rich and got a 2011 bmw 1 series top of the range, quote was 9,500. How can a 1000 car be only 5000 cheaper than a 30000 car, none of this makes sense ? I know we are 4 times more likely to crash but does anyone know of any cheap insurance companies for 17 year olds just now ?""

Can insurance drop you before a termination? ?

I was terminated from my employment on 10/1/2011. I had surgery on 9/12/2011 and the medical insurance company claims that my coverage was dropped on 9/11/2011. I am in Pennsylvania and my insurance was through my work. Is this legal? I was on company approved time off when the surgery occurred, so I was still legally employed and paying my premiums.""

How much I motorcycle insurance in mass?

I was wonder in how much it would be to insure a motorcycle in mass? I know there's a lot of factors to what the price will be. I just want a rough estimate. Thank you

If you separate from your hubby and the health insurance is through him would I still be covered??

or do I have to get my own policy?

I need help with Car Insurance... Please!?

I am a 17 year old male in the UK and have just passed my test on september 2012. I cannot get insured anywhere because they are all charging me at least 500 pound a month to be insured on my mams car (Corsa SXI 2002), i cannot afford this... obviously. I have tried almost every car insurance site and i cannot seem to find any cheaper than 500 pound a month! It is very frustrating because i am a very sensible driver. I need some help!!! Is there any cheap cars that i can buy that will make the insurance cheaper? Can you recommend any cheap or used cars that have cheap insurance for young drivers? Can you recommend any good insurance sites for young drivers? Please any help will do!!! Thank you""

What is the best supplemental medical insurance for veterans?

My husband will turn 65 on March the 18th and is scrambling to find a supplemental medical insurance because of the many veterans administration cutbacks on care. He suffers from diabetes type and hepatitis-c. He isn't service connected and needs an extra medical insurance to cover what the veterans administration doesn't cover. We need an affordable insurance that wont turn him down because of his medical condition.

How do i go about getting car insurance?

ok so i just bought my first car but i dont know a thing about getting insurance nd what not.. my mum said something about third party insurance and greenslips and what not. what's the first step i should take?

How much would It cost to Insure a 17 year old?

I am 17, been driving for 2 years with my permit. I have had no accidents, tickets or a bad driving record. In 2 months my permit expires and I have to get my licence. I would be driving a 1991 Toyota Pickup DLX with 162k miles. The insurance would be with State-Farm. How much would It be to Insure me? or a quote. Reason I ask Is because I tried asking State-Farm but they cant give me a 100% accurate quote because i dont have my license yet. Thanks!""

average insurance quote for 18 year old

https://www.linkedin.com/pulse/bradford-insurance-john-gutierrez/"

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bpoguy-blog · 7 years ago

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Business Process Outsourcing in The Philippines

Posted on April 17, 2017 by ASEAN Briefing Op/ed by Bob Shead

The Philippines Department of Trade and Industry (DTI) defines BPO as the “delegation of service-type business processed to a third-party service provider.” The industry is generally divided into the following sectors: Contact centers, back office services, data transcription, animation, software development, engineering development and game development.

BPO in the Philippines is becoming a key developing industry, primarily due to the relatively low cost of living, and a workforce which composed mainly of young and educated Filipinos with good spoken English language skills. The majority of international research and data companies have placed the Philippines as the no 1 trending country as the top outsourcing destination. In 2015, the Philippines replaced Mumbai as the 2nd ranking BPO destination and will in all likelihood continue to maintain a high position in the Top 10 worldwide outsourcing destinations (dominated mostly by Indian cities) in 2017.

The growth in the Philippine BPO sector therefore remains bullish for this year, and the industry is expected to hit a Government revenue target of US$25.5 billion and 1.4 million people employed by the year end. The sector currently contributes 9 percent of the country’s GDP growth. However, the Philippines Government need to continue to provide increased Government support to speed the development of national infrastructure projects, for this rapidly expanding industry.

Future for the BPO Industry in the Philippines

In 2016, BPO in the Philippines continued to experience a positive growth rate. Activity in the industry appears to be robust enough such that the industry’s projected total income range would reach US$ 40 to 55 billion by 2020. The Industry, currently employing about 1 million Filipinos, is also projected to increase employment by providing a total of about 1.3 to 1.5 million new jobs in the next three years, both in terms of employees directly and indirectly employed. The BPO industry is regarded as a priority by the Philippines Development Plan as essential to the country’s ten high priority development areas. To further entice investors, existing government programs include incentives such as tax holidays, tax exemptions, and simplified export and import procedures. Additionally, there are University training programs available for would-be BPO employees.

For local industry sectors, the leading subsector is Call Centers. The Philippines BPO industry has overtaken India as the leading call center country, and due to this, the subsector is projected to continue to maintain the largest contribution to the industry’s growth in future years. According to a UA&P (University of Asia and the Pacific) industrial economist, the call center sector is projected to continue a robust growth rate until 2020. However, the increasing advances of IT and computer generated voice services may cause (according to speculation provided by the Philippine Banko Sentral ng Pilipinas) a slow-down and reduction by this time. In other words, a move in reliance from human voice sources of information will develop, in favor of computer generated responses.

Possible Future Risks to the Philippines’ BPO Industry

Though the industry outlook is overall very positive, there remain future problems, mainly due to possible policy shifts introduced by the Philippines Government. One major issue is the possibility of proposed changes to the tax holiday benefits that currently are in place, that allow temporary reductions or eliminations of corporate taxes. This proposal has discussed the reduction of tax holidays for the BPO industry, with the compromise of having their income tax reduced from 30 percent to 15 percent. According to Industry experts, the threat here is that, though tax costs would decrease, this might serve as a deterrent for foreign companies to enter the Philippine market due to a reduction of the country’s competitive advantage. Other possible issues and challenges to the BPO industry, are the possible lack of suitably educated employees, due to the Philippine universities being unable to cope with the high increase in an educated labour force, as well as high turnover rates, and the rate at which employees are replaced, which can be up to 50 percent of the workforce.

Future Opportunities for the Philippines’ BPO Industry

Though the possible shift in demand for voice information services is an issue to be faced by the industry, the BPO industry is projected to move with the demand in terms of accommodating new businesses that wish to invest or expand in the KPO (Knowledge Process Outsourcing) sector, which could then cater to a new demand, and cover a wide set of new roles. The higher expertise required is projected to be in these roles: Market Research; Fraud Analytics; Equity Research and Investment; Banking Insurance; Actuarial Engineering Services; Web Design and Development; Data Integration; Project Management Research and Development; Medical Transcript Preparation, and Legal Processes.

However, it should be stressed that the growth in the Philippine BPO industry continues to show significant improvements with an average annual expansion rate of 20 percent. Statistics provided by the IT and Business Process Association of the Philippines (IBPAP), show that export revenues for the Philippines have increased from US$1.3 billion in 2004 to a total revenue of US$ 25 billion in 2016.

Top 36 BPO company offices in the Philippines, with revenue generated in Pesos (2012 figures)

Accenture Inc. (P28.104 billion in revenues);

Convergys Philippines Services Corp. (P17.281 billion);

JPMorgan Chase Bank N.A-Philippine Global Service Center (P10.80 billion);

24/7 Customer Philippines Inc. (P7.711 billion);

Telephilippines Inc. (P7.241 billion);

TeleTech Offshore Investments B.V. (P6.978 billion);

Sutherland Global Services Philippines Inc. (P6.805 billion);

Stream International Global Services Philippines Inc. (P6.738 billion);

Sitel Philippines Corp. (P6.364 billion);

Deutsche Knowledge Services Pte. Ltd. (P5.754 billion);

Sykes Asia Inc. (P5.617 billion);

IBM Daksh Business Process Services Philippines Inc. (P5.516 billion);

Aegis People Support Inc. (P5.445 billion);

TeleTech Customer Care Management Philippines Inc. (P5.402 billion);

IBM Business Services Inc. (P5.211 billion);

Telus International Philippines Inc. (P4.962 billion);

Shell Shared Services (Asia) B.V. (P4.821 billion);

HSBC Electronic Data Processing (Philippines) Inc. (P4.700 billion);

ePLDT Inc. (P4.147 billion);

SPi CRM Inc. (P3.501 billion);

ACS of the Philippines Inc. (P3.492 billion);

VXI Global Holdings B.V. (P3.266 billion);

Emerson Electric (Asia) Ltd. (P3.230 billion);

StarTek International Ltd. (P3.094 billion);

IBM Solutions Delivery Inc. (P3.019 billion);

Sykes Marketing Services Inc. (P2.760 billion);

SPi Technologies Inc. (P2.626 billion);

Genpact Services LLC (P2.552 billion);

Macquarie Offshore Services Pty. Ltd. (P2.522 billion);

Thomson Reuters Corp. Pte. Ltd. (P2.265 billion);

AIG Shared Services Corp. Philippines (P2.357 billion);

Hinduja Global Solutions Ltd. (P2.194 billion);

Lexmark Research and Development Corp. (P1.956 billion);

ANZ Global Services and Operations (Manila) Inc. (P1.869 billion);

Maersk Global Service Centers (Philippines) Ltd. (P1.859 billion);

Manulife Data Services Inc. (P1.745 billion).

These 36 international companies posted a combined revenue of P192 billion in 2012.

BPO giants such as Accenture and Convergys currently have more than 35,000 employees each in the Philippines. More recently, India-based call centers and IT-BPOs have expanded operations to the Philippines, including: Compvue, iOPEX, OmniGlobe, and TCS. Wipro Technologies, an outsourcing company headquartered in Bangalore, has already set up a center in the Philippines, and now employs close to 2,000 employees.

Salaries and Wages in the Philippines

In general, salaries have been increasing in Makati, Manila, Eastwood, Ortigas, Fort Bonifacio (BGC) and the rest of the Philippines due to economic growth, especially in the BPO/IT/Call Center industries. However salaries have now stabilized, and in some cases reduced slightly. Some international companies from USA, Canada, Europe and Australia with Call Centers and BPO offices companies in the Philippines have reduced product sales, and this has resulted in some layoffs of Filipino employees. Nevertheless, this is regarded as a short term problem. IT professionals (developers, programmers, designers etc), technical support, and call center representatives’ salaries are still significantly lower than Western countries.

The average monthly salary of technical or customer support representatives in the Makati, Central Manila, Eastwood, Ortigas, and Bonifacio Global City areas, ranges from US$300 to US$500. Outside of Metro Manila, and in the rest of the Philippines, salaries range from US$200 to US$400. Salaries of IT professionals and developers in the Philippines can range anywhere from US$300 – US$2,000 depending on experience, skill set and management capabilities. On top of monthly salaries, a thirteenth month salary must be included.

All employees in Metro Manila and the rest of the Philippines are college graduates, with college degrees, and are proficient in English.

Figures for Employees in Philippines’ BPO offices

The Philippines’ offshoring/outsourcing industry is composed of shared service offices, global in-house centers, and third party outsourcing providers. Multinational companies outsource functions of their operations to the Philippines, and international 3rd party providers offer services from the Philippines to foreign multinationals, plus independent Philippine companies provide services to international clients. Through these options, many offshore outsourcing services performed in the Philippines can be offered to companies of all sizes and needs. The two main areas of expertise are Contact Centers and BPOs. The Philippines formerly ranked second in outsourcing worldwide, just after India. However, recent developments in the global outsourcing industry have pushed the Philippines to the top spot in voice BPO, and ranking 2nd in non-voice complex services.

The Philippines ranks in the top 3 for location for talent according to analysts, both in the graduate level pool, and among professionals in IT-BPO sectors such as accounting, engineering, health care, finance and other non-voice, complex services and as such, is among the top 3 IT-BPO locations globally, after India and China in terms of the number of graduates employed in the industry. The Philippines records approximately 500,000 tertiary graduates annually.

The outsourcing BPO industry is considered one of the fastest growth industries in the world. It has grown at an average annual expansion rate of 20 percent. The IT and Business Process Association of the Philippines (IBPAP) has stated that the IT-BPO and Global In-house Center (GIC) industry is the Philippines’ most important generator of jobs. Its contribution to the Philippines GDP is approximately 17 percent in 2016, and it is now the Philippines’ second largest net foreign exchange earner after remittances from an estimated 10m overseas workers.

The BPO boom in the Philippines is currently led by demand for offshore call or contact centers. As mentioned earlier, in 2016, the Philippines revenue in these BPO centers generated revenues of US$25 billon, placing it third behind India and China. This is compares to the US$ 21.5 billion the country earned in 2015.

As mentioned earlier, the more recent, growth of the outsourcing industry in the Philippines has been fueled, not by traditional low value added call centers but by the high end outsourcing or Knowledge Process Outsourcing (KPO). Though call centers still comprise the largest part of the IT-BPO sector, the Philippines is now using the potential of its creative design talent pool, large numbers of legal professionals, and CPAs/Accountants. The demand for the IT-BPO and Global In-house Centers (GIC) industry has meant that the current figures employed in this industry in the Philippines is 1.4 million. Given the expected 20 percent annual increase in BPO centers, the projected employment figures by 2020 may well be in the region of 2.5 million.

Comparison between the Philippines and India for BPO centers

India has lost significant outsourcing ground to the Philippines over the past few years, especially in the business process outsourcing market segment. The Associated Chambers of Commerce and Industry in India has reported a 70 percent loss in its outsourcing market share with Call Centers and BPO services. Several factors have contributed to the reduction in the Indian market of BPOs in favour of the Philippines, these are an accent neutrality, lower labor costs and more government support.

Clear communication is a must when you rely on outsourcing for customer support and other business processes. Without clarity in speech, you run into many problems for getting your business goals accomplished, and lose out on the productivity benefits outsourcing exists for. On the customer facing side of the equation, brand reputation rests on the customer’s experience. If customers/clients cannot get assistance they need, then they will probably look towards a competitor.

According to Flatplanet, the Australian based HR company with a large Philippine presence, it has reported that the Philippines has a 92.5 percent English proficiency rating, and that the English is (after some training) accent neutral, that many potential investors in the BPO business look for in their customer support departments. In addition to a neutral accent, Filipinos have many Western cultural influences that are recognised and accepted internationally.

Compared to India, the current generations in the Philippines grew up with more Western/American influences. Whilst recognizing the British colonial influences in India that make English the overall business language, the English language abilities in the Philippines are more internationally recognised. The Philippines media includes American and English Asian TV channels, while India does not always have the same ease of access. Because of exposure to this media, American accents and idioms are already part of the Philippines culture.

The Philippines like India is a developing country, and has similar or lower costs than India. This means that BPO investors do not need to fund an increased investment to switch their outsourced operations. This increase in BPO operations in the Philippines is to the benefit of employees, as BPO positions provide higher than average local wages, thus encouraging greater numbers of individuals looking for a good job. Many Filipino employees choose customer support positions, while Indian employees are apparently more averse to the instability offered by a position with high turnover, it is understood that there is a 28 percent turnover rate in India, compared to a 20 percent turnover in the Philippines.

BPO Centers outside of Manila

There has also been a rapid development of BPO Call Centers throughout the Philippines. Foreign investors typically want to work only in Manila when they outsource to the Philippines, but when these investors looking to set up shop in the Philippines take a look at the talent in the provinces, they are interested, and this has resulted in the rapid development of BPO Centers in Cebu, Davao, Dumaguete, Clarke (Angeles City) Baguio etc. Companies get to do business for much less cost, while the communities get to benefit from the influx of jobs and investments. For example, three years ago a BPO Call Centre was set up in Tanjay City, Negros Oriental. Today, it was one of the largest employers in the city. There are many “next-wave cities” in the Philippines, and not just major capitals like Davao or Cebu, but also smaller ones in Palawan, Ilocos and Negros. These new locations are just as capable of absorbing the skilled work the BPO industry is moving towards. Approximately 30 percent of BPO employment and jobs are outside of Manila, and it is estimated that this figure will grow to 50 percent over the next 5 years.

It has been reported that one of the important shifts in the Asia Pacific Region in this year’s list of BPO Centers, was the rise of Cebu City, which moved from 8th to 7th spot. The city has a continuously improving infrastructure, and PEZA (Philippine Economic Zone Authority) counts a combined 27 IT Centers and IT Parks now operating in Cebu. There is also an enlarging talent pool that draws diverse talent from this part of Central Philippines (the Visayas), and this has allowed the city’s IT-BPO sector to sustain recent developmental gains. Cebu is considered the educational hub of Central and Southern Philippines, with the Central Visayas Region boasting 138 higher education institutions (public and private) that produced approximately 260,000 undergraduate students for the academic year of 2013-2014. Large international corporations such as, JPMorgan Chase, Aegis, Accenture, Teletech, IBM and Convergys etc, have all established BPO Centers across Cebu City’s numerous IT Parks and Centers.

Health Related Issues in the Philippines’ BPO Industry

The Call Centers, are the largest sub-sector in the Philippine BPO industry, and have been a major subject on a case study on health and working conditions. Some commonly identified health problems are: employees experiencing back and shoulder pains due to workstation setups and monitor visual levels, employees have complained of experiencing throat irritations, due to multiple calls a day, coupled with a high stress work environment, and concerns regarding damage to hearing, due to exposure to higher audio levels.

There have also been some negative effects to the psychosocial aspect of health with regard to Call Centers. The major workplace stress problems are the irregular work schedule, due to international time differences. These can disrupt social and family life, and the Philippines is a very conservative country, where the family are of very high importance. An irregular work schedule also causes problems with transportation, and the related problems of safety and availability, especially for female employee. Case studies have addressed these psychosocial stressors, and that they may also be a major cause or amplifier with regards to the health issues stated above.

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