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forex See 654 best teachers in the United States 2018

August 21, 2018 Car insurance No comments

The United States is a country with a wide geographical and cultural variety. His reputation for academic excellence makes him the main destination for students studying masters and postgraduate programs. As a melting pot of ethnicities, nationalities, races and visions, and with a large volume of international students taking masters across the country, the United States is a great place to develop your education. Regardless of which studies you are interested in, you will definitely find a program that fits your needs. The United States is especially known for its flexible and unconventional options for mastery, such as part-time studies, online programs or other distance education alternatives.

The higher education system of the United States follows the three traditional levels: degrees, Masters and doctorates. Although most master’s degrees belong to the Masters in Arts, masters in Science and master in Business Administration, there are also numerous specialization programs.

The admissions system varies greatly. Some programs accept students with only the application and an academic certificate. Others require letters of recommendation and exams such as the Graduate Record Exam (GRE) and the Graduate Management Admission Test (GMAT). Normally, students whose native language is not English are required to have an English level test with tests such as the TOEFL. Be sure to check the specific requirements for each school and plan ahead if you need to take exams.

Enrolment rates vary from program to program, depending on the type of university (public or private), the study program and the State of residence and nationality of the student. Student citizens of the United States living in certain States pay reduced rates in public institutions in those States. U.S. citizens living in other states and international students are subject to higher rates. In the first case, the enrolment usually hovers at $12.000, while in the second one it can rise to $30.000. Private universities usually charge about $30.000 a year. However, there is a wide variety of scholarships and credits at your disposal, with which you can afford some of the tuition fees.

The master’s programmes have a duration of one to two years, and most of them combine academic credits with a research project. Some technical masters require a research thesis that the student must defend.

More than 750.000 international students study at universities and other higher education centers in the United States each year. Studying in the United States not only gives you the opportunity to study excellent quality, but also gives you a great cultural and linguistic experience.

Once the studies have been completed, students who want to continue in the United States and those who venture to new countries find that companies greatly value a masters course in the United States. Those who want to stay in the United States will find numerous job opportunities in sectors such as aerospace, finance, software and education.

Take the first step towards your master in the United States and your new education by searching among the programs listed here. Search by specific criteria if you already know what you want and contact universities of your interest to receive additional information.

in other news

When you have a year or two to choose what you think, to spend the rest of your life, it is naive, to think that you only need to review what you like or what you are good at.

Making a decision, in general, takes several steps:

The first is to define your situation to decide: it is not the same to decide for a person who has no idea of ​​studying and another very different for the person who decides between only two careers.
The second step is to look for information: it is at this stage that you must think more than tastes and abilities, because choosing your vocation is a complex decision, not necessarily difficult, but in which you must take into account several options. elements that intertwine with each other as a system. You are part of a system, that is, it is part of a set of elements (people, organizations, events, media, institutions, etc.) related to each other.
Understand how your systems (family, school, social networks, community and country) and the relationships between them, not only, but also with the peculiarities of the careers offered by the university sea or techniques. but also more about you

Those were moments or situations in which those programs or television programs that have remained in their infancy have been affected.

Although it may seem like a lie, these memories can make a couple of very precise clues about the professional path they wish to follow; In fact, to choose what you are going to do for the rest of your life, one of the most important questions you must answer is what kind of problems you want to solve in the future. All the questions related to this question make you think beyond your interests and aptitudes, ask about your occupational values, that is, that is what guides you and what you are looking for in a job; That is formed through his life story thanks to the different relationships he has had with the different elements of his system.

In summary, when you choose a career, try to think not only about what you like or what you are good at, what is the most invested and what else, explore its multiple aspects, try to think that you are not a university student, try to imagine yourself as a person who works in the future and what kind of work you want, for that you must look for all the elements of your history and, consequently, your system.

BENEFIT FROM A PART-TIME MBA BUILT FOR YOUR BUSY SCHEDULE.

August 19, 2018 Car insurance No comments

Balance your personal and professional life while earning your MBA in 21 months.

The Babson Blended Learning MBA program combines online classes, face-to-face sessions at Babson’s campus in either Wellesley, MA, Miami, San Francisco, or Dubai, and virtual collaboration so you can accelerate your career growth and do more with your knowledge, your experience, and your network.

 

Availability:

This offer is available to all potential students meeting the entry criteria.

Overview

The MSc in International Hospitality Business Management consists of an intensive, taught semester of 6 months at the BHMS campus in Lucerne, Switzerland, and a second semester during which time students will undertake their research project/dissertation. During this second semester, students may choose to complete an internship in Switzerland or abroad and add invaluable experience to their profile. The award is validated by the Robert Gordon University, UK. Students will thus learn within a Swiss environment, which maintains its world-class reputation in the hospitality industry and receive a final award from one of the UK’s top-rated Universities with whom BHMS has a long-standing relationship.

BHMS is a member of the Bénédict Education Group of schools, founded in 1928, whose mission is to provide adult education for people with a desire to succeed. Bénédict School is one of Switzerland’s largest private education organizations and is teaching each year more than 15,000 full and part-time students. Students learn from a dedicated faculty, who in addition to their academic credentials, bring know-how and experience in the hospitality and business fields. This ensures that what is learned in class is contemporary and can be applied in a daily business environment in real-world situations.

Aim of the Program

The MSc in International Hospitality Business Management develops students’ theoretical and operational knowledge of current themes and developments in the global hospitality sector. This will allow graduates to either initiate or enhance a career in the international hospitality industry.

Through a variety of taught modules and internship placement students are educated to:

  • use initiative and take responsibility
  • solve problems in creative and innovative ways
  • make decisions in challenging situations
  • continue to learn independently and to develop professionally
  • communicate effectively, with colleagues and a wider audience, in a variety of media.

The program offers students an academic education together with vocational core competency training. This carries considerable value and prestige with employers worldwide. Students learn food service systems, an extensive range of hospitality business management applications, foreign languages, and leadership skills to name a few of the academic disciplines. Throughout the program, Swiss virtues, such as discipline, punctuality, ethics, and hygiene are encouraged as they are highly valued throughout the world and count as much as academic and practical skills in ensuring a successful career.

Paid Internship in Switzerland or Abroad

An internship is a valuable element of the study program at BHMS, particularly for those from a non-hospitality background. It provides an opportunity to gain paid work-experience during the early stages of a career or in support of a career change. This will prove invaluable when applying for a first supervisory or management position. Generally, the first internship position will be in a junior position, where students can practice the skills that they learned in their academic studies at BHMS. Students will complete their training in the service, housekeeping, or kitchen area, according to their interests and talent. Students with significant prior hospitality experience and language ability may be able to assume more responsibility and guest contact roles.

The internship salary in Switzerland, negotiated between the employers’ association and the Employee Union, is presently set at minimum CHF 2’168 per month gross. From this salary, students have to pay for room, board, and taxes. The average net income per month varies from CHF 1’000 to 1’400. Salaries for internships completed overseas vary from country to country and the position available.

Entry Requirements

  • 21 years of age
  • BA degree in any discipline OR BHMS/RGU Graduate Certificate in International Hospitality Business Management
  • English language skills at a minimum level equal to IELTS 6.0

Course Times

Academic courses are held:

Monday to Friday from 09:00 to 12:00 and/or from 14:00 to 17:00 or 19:00. Saturday courses may be offered in some terms from 11:00 to 17:00.

Vocational courses may be held at various times depending on the subject:

Monday to Friday from 06:30 to 08:00 or from 15:30-20:30.

Students should plan for up to 20 hours of homework and preparatory reading per week.

Holidays

Are scheduled according to the holiday plan of BHMS, and can be downloaded from the BHMS website under ‘School Calendars’.

Intakes

February, August, and November. Please contact the BHMS admission office for the next intake opportunity.

Course Content

*Tutorials.

²Support modules for students wishing to undertake an internship in Switzerland.

Specialist Seminars

As part of the MSc program, students have the opportunity to participate in a specialized seminar course.

One of the following options can be chosen:

  • The Spa and Wellness Sector
  • Luxury Brands and Services Management
  • Sports and Events Marketing

Each specialist seminar course comprises 24 hours of guest speakers, industry excursions, and practical applications. Certificates of completion are issued at the end of the academic semester.

forex See 654 best teachers in the United States 2018

August 19, 2018 Car insurance No comments

The United States is a country with a wide geographical and cultural variety. His reputation for academic excellence makes him the main destination for students studying masters and postgraduate programs. As a melting pot of ethnicities, nationalities, races and visions, and with a large volume of international students taking masters across the country, the United States is a great place to develop your education. Regardless of which studies you are interested in, you will definitely find a program that fits your needs. The United States is especially known for its flexible and unconventional options for mastery, such as part-time studies, online programs or other distance education alternatives.

The higher education system of the United States follows the three traditional levels: degrees, Masters and doctorates. Although most master’s degrees belong to the Masters in Arts, masters in Science and master in Business Administration, there are also numerous specialization programs.

The admissions system varies greatly. Some programs accept students with only the application and an academic certificate. Others require letters of recommendation and exams such as the Graduate Record Exam (GRE) and the Graduate Management Admission Test (GMAT). Normally, students whose native language is not English are required to have an English level test with tests such as the TOEFL. Be sure to check the specific requirements for each school and plan ahead if you need to take exams.

Enrolment rates vary from program to program, depending on the type of university (public or private), the study program and the State of residence and nationality of the student. Student citizens of the United States living in certain States pay reduced rates in public institutions in those States. U.S. citizens living in other states and international students are subject to higher rates. In the first case, the enrolment usually hovers at $12.000, while in the second one it can rise to $30.000. Private universities usually charge about $30.000 a year. However, there is a wide variety of scholarships and credits at your disposal, with which you can afford some of the tuition fees.

The master’s programmes have a duration of one to two years, and most of them combine academic credits with a research project. Some technical masters require a research thesis that the student must defend.

More than 750.000 international students study at universities and other higher education centers in the United States each year. Studying in the United States not only gives you the opportunity to study excellent quality, but also gives you a great cultural and linguistic experience.

Once the studies have been completed, students who want to continue in the United States and those who venture to new countries find that companies greatly value a masters course in the United States. Those who want to stay in the United States will find numerous job opportunities in sectors such as aerospace, finance, software and education.

Take the first step towards your master in the United States and your new education by searching among the programs listed here. Search by specific criteria if you already know what you want and contact universities of your interest to receive additional information.

 

Getting cheap rates on auto insurance

June 6, 2018 Car insurance No comments

Some insurance companies focus on the bare necessities for you to drive legally—bodily injury and property damage liability with the minimum limits—along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide.

Nationwide’s insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.

How do I get cheap car insurance?

Everybody wants the best value for their car insurance premium. That’s why Nationwide offers many ways to get low rates, including our car insurance discounts. But what really makes us unique is the quality we offer our members. Here are a few benefits Nationwide members get:

  • Dependable, customizable car insurance – you can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service – Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident.

How can I lower my car insurance rates?

Certain factors influence your auto insurance rates, including some things you can control:

  • The kind of car you drive – The price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low.
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car – Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that “someone” is a new teen driver. Statistically teenagers have more accidents so they’re more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.

You can learn more about the factors that impact the cost of car insurance – and be sure to take them into account as you shop for coverage.

What about those discounts?

You can get more affordable rates on Nationwide coverage with our car insurance discounts, such as:

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Affinity discount – We have established relationships with several organizations to offer discounts to their members. If you belong to such a group, you may be eligible for a discount on insurance from Nationwide.
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You’ll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Start saving money today

Best Cheap Car Insurance

June 6, 2018 Car insurance No comments

Whether you’re buying only liability insurance or a full coverage car insurance policy, the thought of cheap car insurance is enticing. And there’s no better way to find the best deal than by shopping around and comparing quotes.

To help you find the cheapest car insurance, NerdWallet did a car insurance comparison of rates from the five largest auto insurers across the 12 most populous states in the country. Rates are for good drivers without accidents or tickets, with policies that include liability, collision and comprehensive coverage.

Best cheap car insurance by state

Overall rankings: Car insurance rates among the five largest companies

1. Geico

Geico NW

For the general population, Geico offers the cheapest car insurance quotes on average nationwide. NerdWallet found an average rate of $1,297 a year in our study.

Geico also provides a variety of easy-to-score discounts that can cut costs. Motorists who’ve gone five years without an accident qualify for the company’s good driver discount. There are also opportunities to save by insuring multiple vehicles, driving a car with air bags, always wearing seat belts and taking advantage of various other discounts.

2. State Farm

State Farm car insurance

State Farm ranks second for pricing among the four largest companies, but with an average quote of $2,296 per year, nearly $1,000 per year higher than Geico. The good news is drivers have ample opportunity to trim their costs, especially if they have a clean driving record. Among other savings opportunities, State Farm offers four separate discounts that deal with safe and accident-free driving.

State Farm is the nation’s leading car insurance provider in terms of market share, offering a vast array of insurance products and financial services in every state plus Washington, D.C.

3. Progressive

Progressive

Progressive returned an average quote of $2,821 per year, which comes out to $235 a month. That’s $525 a year higher than State Farm and more than double the cost of Geico.

Progressive may appeal to drivers looking for a paper- and agent-free experience. You can manage your policy entirely online. Starting a quote online and signing policy documents electronically are also two ways to qualify for discounts, along with things like bundling auto and home insurance and insuring multiple cars.

4. Allstate

Of the four largest insurers, Allstate had the highest average annual quote for good drivers at $3,182, or roughly $265 per month. Although ponying up that kind of cash is a lot to ask, the company has solid finances and relatively few complaints from policyholders. Allstate holds an A+ (Superior) financial strength rating from A.M. Best and has a customer complaint ratio of 0.77, better than the industry median of 1.00, according to data compiled by the National Association of Insurance Commissioners.

Among other discounts, Allstate offers price breaks for safe driving, including savings once you’ve gone accident- and violation-free for three years, and again for five years.

 

USAA: Best for those with military ties

Open only to active military members, veterans and their families.
You may already recognize USAA for its highly rated customer service. But the company has more to offer than a friendly bedside manner — it also notched the cheapest car insurance rates in our study, at $918 a year. USAA offers several discounts to help you save more, including for going more than five years with a clean record and for taking an approved defensive driving course.

USAA is open to active and retired military members and their families, and offers car insurance and other insurance products in all 50 states and Washington, D.C.

Check out smaller insurers, too

Finding cheap car insurance doesn’t mean you have to stick with large, national insurance companies. Regional and small insurers may beat the lowest offers from the big guys. For example:

Grange Mutual offered the lowest car insurance in Ohio at $701 a year.
Erie Insurance had a rate of $796 for Pennsylvania car insurance, second-lowest behind only USAA.
Tips for anyone to get cheap car insurance
No matter who your auto insurance company is, here are tips for saving on your policy:

Look for discounts — even ask for them. There could be discounts you’re not taking advantage of. For instance, maybe you now work from home and are driving less than when you bought your policy. Mention it and you might get a low-mileage discount.

Rethink your insurance limits and deductibles. Don’t strip away your coverage just for the sake of a lower price. But consider accepting a higher deductible on collision and comprehensive if it makes sense. Raising deductibles means you would owe more out of pocket if you had to file a comprehensive or collision claim. If you rarely drive or are financially comfortable with that risk, though, it’s a surefire way to get cheaper car insurance.

Cash in on major life changes. Certain life events could translate to cheaper car insurance. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a new city with stellar public transportation. If you’re commuting by train instead of car, your risk for accidents will go down — and your rates just might, too.