Insurance Career Job Overviews and Profiles

Insurance Career Job Overviews and ProfilesInsurance Career Job Overviews and ProfilesInsurance companies have two principal functions underwriting and investment. Underwriting involves the measurement and calculation of risk. The premiums charged by an insurer reflect this risk. Theyre appropriate and commensurate with the degree of likelihood that the insurance company will have to pay a claim if it writes a given policy. The investment function is equally important. A well-run insurance company will have, at least in the long run, a surplus of income from premiums over actual payouts of claims. This surplus must be properly and equitably invested, so insurance companies have substantial staffs dedicated to earning good returns on this money. The Three Categories of Insurance Companies Insurance companies fall into three major categories. Life insurers promise payment at the time of the insured persons death and they can do much more. Property and casualty insurers write polici es that protect individuals and businesses against a variety of risks such asauto accidents, fire, storm damage,wind damage, injuries, and theft. Health insurerswrite policies that deckblatt medical expenses. Some insurance companies engage in multiple types of policies. Career Paths in Insurance The insurance industry employs a large number of people over a range of positions. This is hardly an exhaustive list but it includes some of the more significant and better-paying lines of employment in this industry. As in any industry, theres always an underlying support staff, andjob titles and responsibilities can vary somewhat from employer to employer. Actuary Anactuaryholds an important technical job. Shestrained in statistical analysis and the scientific determination of insurance policy terms and premiums. Its the actuarys job to measure and calculate risk factors so that premiums can be charged accordingly.Insurance appraiser This position involves evaluating claims that come into an insurance company from the angle of assessing the value of damaged property. He gauges the likely cost of repairing or replacing the property. This helps to determine whether the insurance company will pay the claim and, if so, how much the company will pay. Claims Adjuster This role is similar to that of an appraiser. Some insurance companies employ both while others might rely on one or the other. An adjuster typically has broader duties, however, including research such as interviewing witnesses and analyzing police reports.Claims Examiner This position also entails much of the same responsibilities and duties as an adjuster or an appraiser. Its something like an appraiser and an adjuster rolled into one position.Insurance investigator An investigator is charged with preventing and containing incidences of insurance fraud. This position is fruchtwein commonly available with companies that insure against bodily injury, property damage, and liability. Sales Agent An agent m ight work for either the insurance company itself or for an independent insurance broker. Its her job to sell the companys policies to consumers.Underwriter Underwriters evaluate the risk an insurance company is likely to take onwhen it issues a policy and recommend appropriate premiums. Money managersand securities researchprofessionals These employees oversee the investment side of the business, ensuring that premiums paid to the company are invested and maintained to the companys best advantage.

Securities Law Job Job Description

Securities Law Job Job DescriptionSecurities Law Job Job DescriptionAfter the 2009 financial crisis, investment scandal, and other white-collar crimes, securities law has become a specialization of particular interest to many legal professionals. History of Securities Law Securities law anfangsbuchstabely developed in response to another financial crisis- the far greater calamity of the market collapse in 1929. As part of Franklin Delano Roosevelts New Deal, Congress enacted the Securities Act of 1933 as well as the Securities Exchange Act of 1934, which created the Securities and Exchange Commission (SEC). Prior to the 1933 and 1934 Acts, state laws governed securities in what is known as blue sky laws. These state laws remain applicable in certain situations in which security remains exempt from federal laws. Job Duties Securities attorneys represent clients with respect to stocks, mutual funds, bonds, and other financial instruments. This work is primarily divided into thr ee broad areas- transactional practice, regulatory practice, and litigation. Transactions Transactional work entails managing the legal technicalities of initial public offerings, secondary offerings, mergers and acquisitions, and private sale of securities. Issuances of stock or other securities are used to finance business throughout the globe. Transactional attorneys facilitate these operations on behalf of their clients, ranging from large corporations to individual investors. Securities attorneys often work closely with tax specialists in structuring these transactions. Regulations While transactional attorneys revel in the glory of the deal, the regulatory aspect of the practice maintains the integrity of the transactions. At its heart, the 1933 Act ensures disclosure of important financial information. Attorneys specializing in regulatory work enable companies, and certain individuals, to disclose the appropriate information in a timely manner. These regulations are e nforced by not only the SEC but also other regulatory agencies, including the Office of the Comptroller of the Currency, National Association of Securities Dealers, New York Stock Exchange, and NASDAQ. Securities attorneys frequently rely on paralegals to aid in filing the copious paperwork involved in regulatory work. Litigation If companies run afoul of the regulations, securities litigators then become the central players. Securities litigators work in both civil and criminal arenas, as they litigate civil suits as well as civil or criminal enforcement actions. For example, securities attorneys may represent a corporations shareholders in a securities fraud lawsuit against the corporations officers and directors, or they may assist clients in matters involving the breach of SEC regulations. Education and Skills A legal education is, of course, essential to becoming a securities attorney. While a Juris Doctorate degree is required, a background in finance or accounting is also crucial in a securities attorneys development.In addition to having excellent writing skills, securities attorneys must be able to read and understand financial data.

ASME Takes Part in Engineering Expo for High School Students

ASME Takes Part in Engineering Expo for High School Students ASME Takes Part in Engineering Expo for High School Students ASME Takes Part in Engineering Expo for High School StudentsASMEs Executive Director/CEO Tom Costabile (center) was on flosse at the Lower Hudson Valley Engineering Expo on March 31 to answer students questions about the mechanical engineering profession.ASME members and staff recently participated in a special engineering exposition in White Plains, N.Y., where high school and middle school students could meet representatives from professional engineering societies, universities and industry to discuss pursuing careers in engineering. Several thousand students and parents attended the Be an Engineer Event at the Lower Hudson Valley Engineering Expo, which was held March 31 at White Plains High School.For the fourth consecutive year, ASME hosted a booth at the expo, where staff and volunteers provided information on ASME student chapters, the benefits of student m embership and the various scholarship opportunities available through the Society. ASME was one of 34 professional societies participating in the event.ASMEs Executive Director/CEO Tom Costabile shared his knowledge and expertise with a number of parents and students who stopped by the booth with questions about the field of mechanical engineering and employment opportunities after graduation. ASMEs booth was supported by Patricia Reddington, director, Safety Codes and Standards Kathleen Peterson, SC project engineering advisor Reza Chubak, chair of the ASME Westchester Section and Tony Licata, a member of the Energy Conversion Storage Segment Leadership Team.A number of military academies, local junior and four-year colleges and regional institutions also participated in the event. Local schools included Manhattan College, City College of New York, Cooper Union, and Westchester Community College. Regional universities included Penn State University and Villanova University.

3 Baby Steps to Finding an Online Side Gig

3 Baby Steps to Finding an erreichbar Side Gig3 Baby Steps to Finding an Online Side GigWhile there are more legitimate online job opportunities than ever before, there are also plenty of bogus jobs, less-than-worthwhile gigs, and outright scams in this job market. was actually founded 10 years ago to help job binnenseekers steer clear of all that junk and discover the legitimate, high-quality opportunities out there.If youre considering remote freelance or project work, youll want to figure out whether a job is worth your while before accepting. That includes both watching out for online scams and finding work that matches your career interests and pay levels.Wade into the process of finding an onlineside gig with these baby steps1. Understand the gig market in your field.At, we see all sorts of online freelance jobs, from entry-level opportunities to projects for senior-level career professionals. These listings include both temporary and ongoing projects that require anywhere from a few hours each week to 30 or more.Figure out what type of work youre looking for before you start applying, and youll have a much better sense of what to expect in terms of the amount of time youll spend on a side gig and how much youll be paid.2. Figure out your general pay rates for both hourly and flat-rate work.First-time freelancers often feel nervous about setting their rates or talking about pay, but its a vital part of the process. Heres how to figure out your rateTake your most recent annual salary and calculate your hourly rate from that (pre-tax). Then, increase that by anywhere from 20-30 percent to cover business expenses, tax obligations, and related costs associated with freelancing.Also, do some research to figure out what clients and employers are offering for the type of work youre looking to do. As I told NerdWallet in a recent bewerberinterview about online jobs, searching the Internet, scrutinizing job ads, polling colleagues, asking LinkedIn groups for assis tance, and contacting professional organizations in your industry can help in determining what the market will bear.NerdWallets Laura McMullen offers this great exampleSay you earned $35,000 before taxes. For this example, well divide that salary by 2,087 hours, which is the figure the federal government uses to determine its employees hourly rates. Your hourly rate would be $16.77 ($35,000/2,087 = $16.77). Then hike up that $16.77 by 20% to 30% to account for business expenses, tax obligations and other costs related to freelancing, Reynolds says. With an additional 20%, your rate is about $20 per hour.3. Watch out for sophisticated job scams.Recruitment fraud happens in all sorts of ways. Red flags of job scams includebeing asked for personal data up frontbeing offered a job right away or out of the bluebeing asked to invest or pay for training, materials, equipment, or other work-related itemsbeing sent to a URL that does not match the real companys web addressAlways triple-check the URL from which youre applying to make sure its a real company, and not a fake company with a copycat website that looks similar to the real companys site.Online side gigs are increasingly common, and a great way to increase your income even if you have limited time. Know what the gig market in your field looks like, how much you can charge, and the warning signs of scams, and youll be baby stepping into a freelance gig in no time.Start Your Job Search Today

The Hidden Treasure of Bdo Exp Chart

The Hidden Treasure of Bdo Exp Chart For instance, a computer company would capitalize computer software as PPE as it is employed in a significant area of the businesss operations that is meant to provide profits. The fundamental temperament of the company and the stage of software development also play a considerable part in the classification choice. Naturally, theres more to the idea of financial performance, because as one may have guessed, theres an exception For costs and total coverage information, speak to your agent or producer. When you have finished the training exercises he gives you, you can open the minigame, which has several beneficial rewards. Unless their store coupon states otherwise, youre going to be in a stelle to utilize your discount coupons in conjunction with the sale and clearance prices or other promotions theyre offering. But you will find some fantastic deals. To be able to coupon stack, you need one store coupon and a minumum of one mfg. coupon and you observe the conditions on each. Ruby and diamond bracelets are a fantastic selection for players with a very low budget. It is very important to attempt to keep up secondary skills like woodworking whilst leveling skill in weapon crafting. Upon completing any of these quests, players may decide to allocate experience to Cooking. Heres a handtelefon break down. If you would like to prevent fuel surcharges at any cost, you might need to get another travel program (like United Airlines) that never levees a fuel surcharge. Energy regenerates over time even if youre not playing, but throughout play youll also raise your general quantity of energy, permitting you to do more with a complete bar. The Most Popular Bdo Exp Chart A scroll of life can be utilised to unlock the ability to recoup seeds from Farming patches. Its important to see the numerous forms of EXP so you dont grind for the incorrect kind of EXP and waste hours because of it. In case the player doesnt have th e level necessary to plant the seeds, however, no Farming experience is going to be awarded. You learn and experience things which are likely to make the remainder of the journeywhere you really will need to grinda lot simpler. The Fight Against Bdo Exp Chart If you choose to go this route, here is a super handy spreadsheet someone made that lists each of the materials youll have to put your fantasy boat together. So this chart appears deceiptive. The term guide is a little generous since its really only a chart. Heres a guide to what to consider. Ruthless Bdo Exp Chart Strategies Exploited You have to be a Velocity member to get bonus Velocity Points. The Enhancement Chance you receive from Valks Cry will stay untouched. Enhancement can be done anytime if youve got the vital materials. Thus, its wise to try out Enhancement whenever you have a Black Stone handy. Bdo Exp Chart Secrets Conversion prices and increments may change at any moment. Formula, examples are definit ely the most typical valuation process. This may be great price. The comps valuation method gives an observable value for the business, dependent on what companies are worth. The New Angle On Bdo Exp Chart Just Released Tough it out, and you will be high level in no moment. This will often take a couple of days to brew. It is going to help pass the moment. You will be here for a lengthy moment. Whats more, there are just a certain number of missions readily available on a channel at any 1 time and you need to await a guild to finish a mission before you are able to take it on if there are none available. 3 seeds must plant in every allotment patch. Explore, quest, and discover things which you like to do. The abnormal item youd received by means of this quest has been taken away during September 25 (Wed) maintenance. Bdo Exp Chart Secrets That No One Else Knows About Participating in Clan Wars will provide your clan a particular quantity of experience, which you may u tilize to provide the men and women in your clan new perks. Although the two may be confused, the Fairy isnt a pet. It is possible to just have one Fairy at a moment, so if you need a new Fairy you need to forego the old one first. Each Fairy will become just one opportunity for Sprouting when she reaches the utmost level. Theres the standard quality which is what the majority of recipes are based on. Skill increase chances on tradeskills are at present standardized based on the recipes con. There are plenty of items that could improve your cooking experience. While you could be in a position to get by with purchasing ingredients off the Marketplace, its a whole lot more reliable to receive them yourself, particularly if you are considering mass production. Alternately, cooking food when wearing a cooking cape will make sure that no food could be burned by the player. All you have to do is put ingredients sufficient to make 1 batch of the food and after that click on Contin uous Production. Cooking is comparatively simple to pick up and lots of its ingredients may be used interchangeably so theres usually no need to chase down a particular material that may be difficult to acquire. As it is the skill of turning food from raw to edible, and there is a very wide range of available food types in RuneScape, there are many items that players need in order to cook food.

Video Interviewing and the Senior Executive Job Candidate - Spark Hire

Video Interviewing and the Senior Executive Job Candidate - Spark HireVideo interviewing has proven to be a great tool for improving the efficiency of a companys hiring process. A 2012 survey by OfficeTeam shows that6 out of 10 companies are using video interviews for hiring new employees. The Aberdeen Group found that 10% of companies used video as part of their hiring process in 2010. In 2011, they saw that number jump to 42% for senior executives, management and entry level job functions.However, there seems to be a misconception that video interviews can and should only be used to fill internships or entry level standorts. This is far from true. Video interviewing can be a useful tool for screening and interviewing candidates no matter the type of position you are hiring for.We see this from our current 1,300+ customers who are interviewing for various positions at their companies.An individual who is applying for a senior executive position may already hold a high-ranking positi on at their current company. Thus, their schedule may be quite full and they just dont have the time to put their work on hold to travel to another office for an interview. This is where video interviewing comes to save the day.With developments in computers, cell phones, and tablets happening every day, the number of people who have access to high quality recording devices increases. This allows job candidates to complete video interviews without the hassle of having to rearrange plans due to prior commitments to their family or current work schedule.Senior executive job candidates are also made more accessible to employers with video interviewing regardless of their geographic location. A senior executive job candidate from Boston applying for a position with a Los Angeles company has an equal chance of getting the position as a local candidate because video interviewing levels the playing field. Furthermore, the candidate doesnt have to deal with the inconvenience and expense of traveling, but are still able to show what they have to offer. Video interviewing also saves the employer from having to spend money on travel and lodging accommodations. Everyone winsVideo interviewing, such asSpark Hires One-Way Interview, gives senior executive job candidates the flexibility to interview on the go and at their own convenience. They are able to record their answers to employers questions via their webcam or mobile devices when they have time to spare in their busy day.Employers then review that video at their own convenience and can quickly decide if the candidate is worth pursuing.Perhaps an employer looking to fill a top level position decides to hire within their company. In this case, they can invite possible candidates to do a One-Way Interview. They are then able to weed through the candidates quickly and decide if they should look into searching around the country or even the globe for candidates. For this situation, the Live Interview is the perfect tool. The candidate and employer can speak face-to-face via webcam, and, again, there are no hassles of scheduling and travel. Live Interviews enable employers to pick up on a candidates important nonverbal cues even when theyre not in the same room.Considering an alternative hiring situation, the employer might feel a prospective candidate could be a good fit, but arent ready for an in-person meeting just yet. The employer can use a Live Interview to determine whether a candidate is worth inviting into the office.Additionally,Spark Hires Live Interviewis always recorded so employers are able to playback the video later on as many times as they want. They also have the opportunity to share the recorded interview with colleagueswho are also involved in hiring. Hiring for a senior level position may require a search team. Having the ability to share completed interviews allows for greater collaboration and efficiency. Everyone is on the same page and can make a decision about a candidate qu ickly.Since 2011, the use of video interviewing has risen 49% and in 2012 a survey put out by OfficeTeam found that 63% of human resource managers use or have used video interviewing in their hiring process. This affirms the value and advantages of utilizing video interviews. It would be silly then to only use video interviewing for just certain positions and not others.Have you been using video interviews to fill senior executive positions? Or were you a senior executive job candidate who used video interviewing? Let us know in the comments below.Image AndreyPopov/BigStock.com