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NET10 Wireless Smart Phones – Alcatel, Motorola, Samsung, HTC, Nokia, LG, Emporia, CAT, Catepillar,

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International service available for calls originating from U.S. and Puerto Rico only. No international roaming. Personal use only. IMPORTANT NOTICE FOR CUSTOMERS CALLING MEXICO: Unlimited Calls to cellular phones in Mexico, China, Canada and India every 30 day service period. To minimize unreasonable use, each mobile phone will be allowed to call up to 15 unique destination numbers per 30-day period. The number of personal use calls to these unique destination numbers is not limited and automatically resets when the Account is renewed. Other restrictions apply. NET10 reserves the right to terminate your service for unauthorized or abnormal usage. International service available to select destinations which are subject to change at any time. See Terms and Conditions of Service at www.net10wireless.com for complete details.

*At 2G speeds, the functionality of some data applications such as streaming video or audio may be affected. ††To get 4G LTE speed, you must have a 4G LTE capable device and 4G LTE SIM. Actual availability, coverage and speed may vary. LTE is a trademark of ETSI. Please refer always to the Terms and Conditions of Service at NET10Wireless.com.

All offers are subject to change or discontinuance by Net10 at any time without further notice. Net10 reserves the right to limit quantities and to reject or cancel orders in its sole discretion. Product not for resale or distribution.

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** For no credit score path, FICO score will not be used to determine eligibility, but credit information and consumer reports will still be reviewed. Approval not guaranteed.

NET10® is a registered trademark of TracFone Wireless, Inc. 2017, a subsidiary of America Movil. All other trademarks, service, marks, and trade names referenced in this site are the property of their respective owners.





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Arizona Probate Services #arizona,probate,services,do #it #yourself,informal,formal,small #estate,affidavits,paralegals,low #cost,fast,easy,cheap,experienced,legal,papers,probatecourt,phoenix,save,money,filings,court,fees,how #do #i #get #appointed #as #executor,do

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We professionally prepare probate legal documents and help you understand the mandated court process.
OUR MISSION IS TO SAVE YOU TIME, MONEY AND STRESS!
Don’t want, or can’t afford an attorney. you may not need one!
Call us today with your questions — you will be glad you did!
(602) 523-0100

A commonly asked question is: Do I need an attorney for Arizona probate?

The simple answer is no – anyone can file their own documents with the probate court. The right answer is one that only you can answer. Many probate cases are standard and only require an understanding of the court document requirements and the timing of the process. Some probate cases are more complex and you should be represented by legal counsel.

At Arizona Probate Services, we will discuss your situation with you. If we are uncomfortable about preparing the documents for your particular situation, we will recommend you seek legal counsel. We will always be honest and upfront with you. Integrity and a commitment to quality is the foundation of our business.

Then documents are filed with the court when it is appropriate, you administer the estate, and close probate when it is time! With our help, it’s that simple!

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All fees on this website are subject to change without notice.

NOTICE TO CONSUMER
Arizona Probate Services is an Arizona certified legal document preparer, certified by the Arizona Supreme Court. The purpose of a Certified Legal Document Preparer is to provide professionally prepared legal documents and procedural assistance at an affordablecost. A Legal Document Preparer cannot represent you in court. A legal document preparer is not a lawyer, is not employed by a lawyer, and cannot give legal advice, and communications with a legal document preparer are not privileged (meaning we are subject to subpoena).

This website is intended to provide general information about Arizona legal issues and process. However, legal information is not the same as legal advice, which is the application of the law to a specific situation. The information provided on this website is not intended or meant to provide a comprehensive picture of any particular situation.


Content copyright 2010-2011. Arizona Legal EASE, Inc. All rights reserved.





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Top Bachelors in Nursing (BSN) Degrees for 2017 #as #degree #in #nursing

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Nursing

More and more students are choosing nursing degrees when they go to school. The employment and opportunities available in this field are expanding rapidly. However, as more people come into the field with the standard associate degree in nursing, expectations are increasing. As a result, the Bachelor of Science in Nursing (BSN) is becoming more common as job applicants seek to edge out the competition. In fact, many student nurses today are going straight to the BSN in order to save time and money later.

What Is the Focus of Study?

The bachelor degree in Nursing is built around the same applied science with which the associate degree begins. It continues the education by requiring more liberal arts courses just as any other bachelor degree would do. Student nurses and already registered nurses also add more foundational nursing courses to their degree as well as other courses.

Many student nurses are pursuing the Bachelor of Science in Nursing because they want to have an advantage over their peers when they enter the job market for nurses after graduation. However, even registered nurses that are already working find it worth their while to go back to school and acquire this more advanced degree. It gives them a deeper understanding of the work that they do. In addition, it gives them the opportunity to continue their studies later and possibly advance to become nurse practitioners with a doctoral degree in Nursing.

What Are the Required Courses?

Students seeking a BSN must take blocks of courses required with any bachelor degree. These include courses such as English, Math, electives and any required courses in diversity that a University may require. Then they have to meet the science and math prerequisites that are specific to the nursing field. After official entry into the Nursing program, BSN candidates study the same courses in Foundational Nursing that students seeking the associate degree study before becoming RNs. They reach qualification for the BSN when they complete a total of 30 units in Nursing, with additional studies in Gerontology, Leadership and plenty of clinical work.

Job Outlook for Graduates

While employment rates for RNs are already high, they are essentially at full employment for BSNs. The extra edge provided by this degree makes it very easy for these professionals to edge their way into even the toughest job markets. Furthermore, the average salary of a BSN with just one year of experience is $50,000. This pay scale may vary with geographic location and the specific medical center or hospital in which they work.

Online Opportunities to Achieve a BSN

Much of a nurse s training is hands-on and cannot be accomplished online. However, there are many courses required of nurses in college which can be studied this way. For example, almost all of the general education requirements and many of the nursing pre-requisites are available in online forums. The only classes that must be taken on campus or elsewhere are those that require hands-on training or the student s actual presence in a medical center.

How to Get Admitted to the Program?

Students are typically not eligible for entry into the BSN program until they have reached the second semester of the nursing program. Requirements vary from school to school but it is common for these institutions to request that applicants have GPAs of 3.0 or above. Students may enter the program during their third semester in nursing, before they have even completed courses for an associate degree in nursing. Some courses may be taken by students who do not hold their RN license yet.

Additionally, these students can transfer credits from other institutions. Each school may have its own restrictions on how many credits can be applied in such situations and whether or not credits from other nursing programs count.

Acquiring a Bachelor of Nursing online has never been easier. Even many major institutions are offering their core courses over the Internet in order to facilitate their student s schedules. With so many courses available for an online BSN, students will be able to fit the required campus courses into their daily lives more easily. This is especially critical for RNs who are already working and trying to advance in their careers.





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English Language Teaching Jobs #tefl, #tefl.com, #jobs, #job, #jobsearch, #job #search, #listing, #tesl, #tesol,

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Pure Storage Recognized as Top Workplace by San Francisco Business Times for Third Consecutive

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Pure Storage Recognized as Top Workplace by San Francisco Business Times for Third Consecutive Year

All-Flash Enterprise Storage Company Ranks #2 Among Bay Area Companies with 101-500 Employees on Annual Best Places to Work List

MOUNTAIN VIEW, CA – April 25, 2014 — Pure Storage, the all-flash enterprise storage company, today announced that it has been named to the San Francisco Business Times’ annual list of Best Places to Work in the Bay Area for a third consecutive year. The company ranked #2 in the medium-sized company category (101-500 employees), and received high marks for its meritocratic work environment, diverse and talented workforce, and thriving company culture.

The 11th annual Best Places to Work in the Bay Area awards were presented by the San Francisco Business Times and Silicon Valley Business Journal at a ceremony on April 17, 2014. Each year, the publications compile the annual list based on employee surveys that measure worker satisfaction across several areas, including personal growth, workplace environment and managerial effectiveness.

“Spontaneous fun” tops the list of employees’ favorite things about office life at Pure Storage. From impromptu Nerf Bazooka fights, to company-wide in-office bungee races, the “Puritans” enjoy a truly ‘work-hard, play-hard’ culture. The company’s smart, dedicated team and hands-on, “in the trenches” executive leadership were also highlighted by employees as being key to what makes working at Pure Storage special.

“It is an honor to again be recognized as one of the Bay Area’s top workplaces by the SF Business Times, and we are immensely grateful to our employees for their enthusiasm and support,” said Scott Dietzen, CEO of Pure Storage. “Ultimately, it’s the people and culture at Pure Storage that make our company great. We’re proud to offer a work environment where trailblazers, innovators and disruptors thrive. We look forward to adding more exceptional people to our ranks in 2014—in the Bay Area, and beyond—as we continue to aggressively scale our operations around the globe.”

Pure Storage was founded in 2009, with a vision to transform the enterprise storage industry. Since emerging from stealth in 2011, it has achieved unprecedented growth, expanding rapidly to meet global demand for its next generation, all-flash enterprise storage array. Even as it scales to support massive global growth, the company remains committed to preserving the culture, ethics and values it was founded on. To learn more about career opportunities at Pure Storage, visit: http://www.purestorage.com/company/jobs.html.

To see a complete list of the San Francisco Business Times’ 2014 Best Places to Work in the Bay Area honorees, visit:http://www.bizjournals.com/sanfrancisco/feature/best-places-to-work-2014/ .

About Pure Storage

Pure Storage, the all-flash enterprise storage company, enables the broad deployment of flash in the data center. When compared to traditional disk-centric arrays, Pure Storage all-flash enterprise arrays are 10x faster and 10x more space and power efficient at a price point that is less than performance disk per gigabyte stored. The Pure Storage FlashArray is ideal for high performance workloads, including server virtualization, desktop virtualization (VDI), database (OLTP, real-time analytics) and cloud computing. For more information, visit www.purestorage.com .

Connect with Pure Storage:

The Pure Storage and P logo marks, Purity Operating Environment and RAID-3D are trademarks of Pure Storage, Inc. All other trademarks or names referenced in this document are the property of their respective owners.





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Doing Business As (DBA) – Small Business Encyclopedia #green #business #ideas

#doing business as

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Doing Business As (DBA)

Definition:The operating name of a company, as opposed to the legal name of the company. Some states require DBA or fictitious business name filings to be made for the protection of consumers conducting business with the entity.

A company is said to be “doing business as” when the name under which they operate their business differs from its legal, registered name. Some states require dba or fictitious business name filings to be made for the protection of consumers conducting business with the entity.

If you’re starting a sole proprietorship or a partnership, you have the option of choosing a business name or dba (“doing business as”) for your business. If you want to operate your business under a name other than your own (for instance, Carol Axelrod doing business as “Darling Donut Shoppe”), you may be required by the county, city or state to register your fictitious name. (Note: No fictitious business name may include the words “corporation,” “Inc.,” “incorporation” or “Corp.” unless it’s a corporation registered with the Secretary of State.)

Procedures for filing for a fictitious name vary among states. In many states, all you have to do is go to the county offices and pay a registration fee to the county clerk. In other states, you also have to place a fictitious name ad in a local newspaper for a certain amount of time. The cost of filing a fictitious name notice ranges from $10 to $100. Your local bank may also require a fictitious name certificate to open a business account for you; if so, they can tell you where to go to register.

In most states, corporations don’t have to file fictitious business names unless the corporations do business under names other than their own. Incorporation documents have the same effect for corporate businesses as fictitious name filings do for sole proprietorships and partnerships.

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Data Scientists in Demand: Salaries Rise as Talent Shortage Looms #business #plans #examples

#business week

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Help Wanted: Black Belts in Data

A new species of techie is in demand these days—not only in Silicon Valley, but also in company headquarters around the world. “Data scientists are the new superheroes,” says Pascal Clement, the head of Amadeus Travel Intelligence in Madrid. The description isn’t exactly hyperbolic: The qualifications for the job include the strength to tunnel through mountains of information and the vision to discern patterns where others see none. Clement’s outfit is part of Amadeus IT Holding, the world’s largest manager of flight bookings for airlines, which has more than 40 data scientists on its payroll, including some with a background in astrophysics. The company recently launched Schedule Recovery, a product that tracks delays and automatically rebooks all affected passengers.

A study by McKinsey projects that “by 2018, the U.S. alone may face a 50 percent to 60 percent gap between supply and requisite demand of deep analytic talent.” The shortage is already being felt across a broad spectrum of industries, including aerospace, insurance, pharmaceuticals, and finance. When the consulting firm Accenture surveyed its clients on their big-data strategies in April 2014, more than 90 percent said they planned to hire more employees with expertise in data science—most within a year. However, 41 percent of the more than 1,000 respondents cited a lack of talent as a chief obstacle. “It will get worse before it gets better,” says Narendra Mulani, senior managing director at Accenture Analytics.

Many data scientists have Ph.D.s or postdoctorates and a background in academic research, says Marco Bressan, president for data and analytics at BBVA, a Spanish bank that operates in 31 countries and has a team of more than 20 data scientists. “We have nanotechnologists, physicists, mathematicians, specialists in robotics,” he says. “It’s people who can explore large volumes of data that aren’t structured.”

So-called unstructured data can include e-mails, videos, photos, social media, and other user-generated content. Data scientists write algorithms to extract insights from these troves of information. But “true data scientists are rare,” says Ricard Benjamins, head of business intelligence and big data at Telefónica, Europe’s second-largest phone company, which employs more than 200 of them. Says Stan Humphries, chief economist at Zillow, the real estate listings site: “You can find a great developer and a great researcher who has a background in statistics, and maybe you can find a great problem solver, but to find that in the same person is hard.”

Universities are taking note. MIT, where graduate students in physics, astronomy, and biology are fielding offers from outside their chosen fields, is in the process of setting up a dedicated data-science institute. Marilyn Wilson, the university’s associate director for career development, says the center will begin enrolling graduate degree candidates in 2016.

In the U.K. the University of Warwick introduced a three-year undergraduate data-science program last year, which David Firth, the program’s mastermind, says may well be the first of its kind. “Big Business was complaining about the lack of people,” he says. “Finance is a major employer, but also large-scale insurers, large online commercial retailers, high-tech startups, and government, which has huge data sets.”

Accenture’s Mulani says he’s tallied some 30 new data-science programs in North America, either up and running or in the works. The University of Virginia began offering a master’s in 2014, as did Stanford. Many of those students may be tempted to drop out before collecting their degree. “Companies are scrambling,” says Margot Gerritsen, director of Stanford’s Institute for Computational Mathematical Engineering. “We have second- and third-year students getting offered salaries much higher than what I get.” Starting pay for some full-time jobs is above $200,000, she reports. Summer internships, meanwhile, pay anywhere from $6,000 to $10,000 a month. To make these stints memorable, many employers offer perks such as free meals, complimentary gym memberships, and occasionally temporary housing. “Sometimes you read about students getting abused in internships and working like slaves,” Gerritsen says. “We don’t see that.”

The bottom line: McKinsey projects that by 2018 demand for data scientists may be as much as 60 percent greater than the supply.

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Bond Market’s Big Illusion Revealed as U #free #business #website

#bond market news

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Bond Market’s Big Illusion Revealed as U.S. Yields Turn Negative

For Kaoru Sekiai, getting steady returns for his pension clients in Japan used to be simple: buy U.S. Treasuries.

Compared with his low-risk options at home, like Japanese government bonds, Treasuries have long offered the highest yields around. And that’s been the case even after accounting for the cost to hedge against the dollar’s ups and downs — a common practice for institutions that invest internationally.

It’s been a “no-brainer since forever,” said Sekiai, a money manager at Tokyo-based DIAM Co. which oversees about $166 billion.

That truism is now a thing of the past. Last month, yields on U.S. 10-year notes turned negative for Japanese buyers who pay to eliminate currency fluctuations from their returns, something that hasn’t happened since the financial crisis. It’s even worse for euro-based investors, who are locking in sub-zero returns on Treasuries for the first time in history.

For a detailed description of how this index was created, click here.

For an analysis of hedging costs for Japanese investors, click here.

That quirk means the longstanding notion of the U.S. as a respite from negative yields in Japan and Europe is little more than an illusion. With everyone from Jeffrey Gundlach to Bill Gross warning of a bubble in bonds, it could ultimately upend the record foreign demand for Treasuries, which has underpinned their seemingly unstoppable gains in recent years.

“People like a simple narrative,” said Jeffrey Rosenberg, the chief investment strategist for fixed income at BlackRock Inc. which oversees $4.6 trillion. “But there isn’t a free lunch. You can’t simply talk about yield differentials without talking about currency differentials.”

DIAM’s Sekiai has been shunning Treasuries since April, a month after foreign holdings of U.S. debt hit a record. Instead, he favors bonds of France and Italy because they “offer some degree of yield and the currency-hedging costs are cheap.” That shift lines up with the latest available Treasury Department data, which showed that demand from non-U.S. investors in April and May was the weakest in a two-month stretch since 2013.

The fact that yields on 10-year Treasuries are still way higher than those in Japan or Germany is part of the reason foreigners are having such a hard time actually profiting from the difference. Negative interest rates outside the U.S. have caused a surge in demand for dollars and dollar assets, pushing up the cost to get into and out of the greenback at the same exchange rate to levels rarely seen in the past.

Ten-year yields in the U.S. are currently about 0.23 percentage point below a basket of bonds from Australia, France, Germany, Italy, Japan, Spain and Switzerland on a hedged basis, versus 1.4 percentage points above on an unhedged basis, according to data compiled by BlackRock. At the start of the year, hedged Treasuries yielded over a half-percentage point more.

In Japan, where 10-year government bonds yield less than zero, the advantage for Treasuries has dwindled from a percentage point at the start of the year to less than 0.1 percentage point now. Without much added value for overseas investors, it’s harder to see foreign demand driving Treasuries to new records, especially as the Federal Reserve moves toward gradually raising rates.

Since falling to a record 1.318 percent on July 6, yields on 10-year notes have backed up as a string of economic reports such as last week’s jobs data bolstered the case for higher rates. They were at 1.58 percent today.

For a large swathe of institutional investors, especially those with conservative mandates, hedging is the norm when they go abroad. It eliminates the need to worry about the daily ebbs and flows in exchange rates and how that might affect their returns. When it comes to Treasuries, overseas buyers usually lock in a fixed exchange rate on the interest payments they get in dollars.

Conversion Costs

In that trade, the cost to convert payments from one currency to another is determined by the cross-currency basis swap. Take Japanese insurers as an example. Under normal circumstances, they would swap their yen for dollars and get interest on the yen they loaned out over the course of the contract.

But now, because the rate has turned negative, they’re effectively paying interest to lend the yen, which eats into their bond returns. That’s on top of the Libor rate they’ll need to pay for borrowing the dollars, which currently stands at 0.79 percent over three months.

The basis, as it’s known, was at minus 0.6425 percentage point for yen-based investors, which is close to the most expensive in five years. For those with euros, the basis is minus 0.43 percentage point. That’s more than twice as costly as the average over the past three years.

In a perfectly efficient market, none of this would matter. Differences in interest rates would be perfectly offset by the cost of exchanging two different currencies over time. But in the real world, things are far messier.

As unconventional monetary policies in Japan and Europe pushed yields lower and lower in recent years, demand for dollars has soared in tandem with the currency’s appreciation. Banks responded by demanding stiffer terms to swap into dollars as supply diminished, cutting into profits on the “carry trade” in Treasuries.

Treasuries will remain a better alternative for many overseas investors as long as an advantage exists, no matter how small the hedged yield pickup has become, according to Ralph Axel, a bond analyst at Bank of America Corp.

“They’ll just keep buying,” Axel said. Because of forces like negative rates and quantitative easing outside the U.S. “you clearly have a long-lasting bid.”

Of course, there’s the flip side. The overwhelming demand for U.S. currency is proving to be a boon for American investors and foreign central banks sitting on billions of dollars. Pacific Investment Management Co. also says there’s profit to be made by getting paid to swap dollars into yen.

Interest-Rate Swaps

Overseas money managers, though, have had to turn to more novel solutions to avoid the onerous hedging costs. Jack Loudoun, who helps oversee about $88 billion for Vontobel Asset Management in Zurich, says he prefers interest-rate swaps and futures on Treasuries to get exposure to the U.S. market because lower upfront costs help reduce foreign-exchange risk.

“We’re using derivatives to get access,” he said. “If you’re worried about hedging cost, swaps and futures are the avenues to go down.”

Whatever the strategy, there’s little debate over how important foreign demand is for the $13.4 trillion market for Treasuries.

“We’re at a point now where investors have to start thinking about this,” said Sachin Gupta, a foreign-bond fund manager at Pimco, which oversees $1.51 trillion. “As the cost of hedging rises to such an extent, there’s no extra carry to be had. That itself will slow down the demand — and, at some point, even reverse the demand — for Treasuries.”

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Data Scientists in Demand: Salaries Rise as Talent Shortage Looms #business #websites

#business week

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Help Wanted: Black Belts in Data

A new species of techie is in demand these days—not only in Silicon Valley, but also in company headquarters around the world. “Data scientists are the new superheroes,” says Pascal Clement, the head of Amadeus Travel Intelligence in Madrid. The description isn’t exactly hyperbolic: The qualifications for the job include the strength to tunnel through mountains of information and the vision to discern patterns where others see none. Clement’s outfit is part of Amadeus IT Holding, the world’s largest manager of flight bookings for airlines, which has more than 40 data scientists on its payroll, including some with a background in astrophysics. The company recently launched Schedule Recovery, a product that tracks delays and automatically rebooks all affected passengers.

A study by McKinsey projects that “by 2018, the U.S. alone may face a 50 percent to 60 percent gap between supply and requisite demand of deep analytic talent.” The shortage is already being felt across a broad spectrum of industries, including aerospace, insurance, pharmaceuticals, and finance. When the consulting firm Accenture surveyed its clients on their big-data strategies in April 2014, more than 90 percent said they planned to hire more employees with expertise in data science—most within a year. However, 41 percent of the more than 1,000 respondents cited a lack of talent as a chief obstacle. “It will get worse before it gets better,” says Narendra Mulani, senior managing director at Accenture Analytics.

Many data scientists have Ph.D.s or postdoctorates and a background in academic research, says Marco Bressan, president for data and analytics at BBVA, a Spanish bank that operates in 31 countries and has a team of more than 20 data scientists. “We have nanotechnologists, physicists, mathematicians, specialists in robotics,” he says. “It’s people who can explore large volumes of data that aren’t structured.”

So-called unstructured data can include e-mails, videos, photos, social media, and other user-generated content. Data scientists write algorithms to extract insights from these troves of information. But “true data scientists are rare,” says Ricard Benjamins, head of business intelligence and big data at Telefónica, Europe’s second-largest phone company, which employs more than 200 of them. Says Stan Humphries, chief economist at Zillow, the real estate listings site: “You can find a great developer and a great researcher who has a background in statistics, and maybe you can find a great problem solver, but to find that in the same person is hard.”

Universities are taking note. MIT, where graduate students in physics, astronomy, and biology are fielding offers from outside their chosen fields, is in the process of setting up a dedicated data-science institute. Marilyn Wilson, the university’s associate director for career development, says the center will begin enrolling graduate degree candidates in 2016.

In the U.K. the University of Warwick introduced a three-year undergraduate data-science program last year, which David Firth, the program’s mastermind, says may well be the first of its kind. “Big Business was complaining about the lack of people,” he says. “Finance is a major employer, but also large-scale insurers, large online commercial retailers, high-tech startups, and government, which has huge data sets.”

Accenture’s Mulani says he’s tallied some 30 new data-science programs in North America, either up and running or in the works. The University of Virginia began offering a master’s in 2014, as did Stanford. Many of those students may be tempted to drop out before collecting their degree. “Companies are scrambling,” says Margot Gerritsen, director of Stanford’s Institute for Computational Mathematical Engineering. “We have second- and third-year students getting offered salaries much higher than what I get.” Starting pay for some full-time jobs is above $200,000, she reports. Summer internships, meanwhile, pay anywhere from $6,000 to $10,000 a month. To make these stints memorable, many employers offer perks such as free meals, complimentary gym memberships, and occasionally temporary housing. “Sometimes you read about students getting abused in internships and working like slaves,” Gerritsen says. “We don’t see that.”

The bottom line: McKinsey projects that by 2018 demand for data scientists may be as much as 60 percent greater than the supply.

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How to Start Your Career as a Credit Repair Specialist #financing #a #small #business

#credit repair business

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How to Start Your Career as a Credit Repair Specialist

Are you good with money? Do you have a great credit score and want to help others do the same? Then your calling might be to become a credit repair specialist. While many lenders consider a good FICO score one that is above 700, the average credit score in America is between 687 to 692, depending on which source you refer to. You also have over one-fourth of Americans with a FICO score of 650 and under. So with so many Americans falling below the threshold of what is considered a “good” credit score, you can clearly see that credit repair can lead to a very lucrative career. So if you want to venture into a career as a credit repair specialist, read on to see how you can become a successful one.

Get a Degree in a Related Field

In order to gain some practical experience and knowledge in the field, you should major in a degree that is closely related to the credit industry. The most closely related degrees are business and finance. However, economics and math are degrees that are often useful in the credit repair industry. With that said, there isn’t a requirement to obtain a 4-year degree in order to become a credit repair specialist.

Learn How to Negotiate

As a credit repair specialist, you are an advocate for your clients who are in need of help in repairing their finances. In order to do that, you will negotiate with lenders and creditors on their behalf. If your client comes to you with $20,000 in credit card debt, you have to be able to negotiate with creditors to somehow lower your client’s debt down to something more manageable.

Know the Procedure to Get Negative Items off Credit Reports

Aside from negotiating with lenders and creditors, a huge portion of your time will be committed to getting negative items off your client’s credit reports. There are three credit bureaus in which creditors report to — Experian, Transunion, and Equifax. Creditors report credit limit, credit balance, late payments, collections, charge-offs, bankruptcies, defaults, and many other negative items that can adversely affect one’s credit score. In order to do this, you will have to be familiar with how each credit bureau deals and responds to complaints of errors on credit reports. This is probably the most important thing you can do to improve your client’s credit score. A removal of a 30-day past due mention on the credit report can raise your client’s credit score by more than 100 points.

Check Local Licensing and Insurance Requirements

Because money (and money problems) is such a sensitive topic, there will surely be licensing and insurance requirements in your area. Each locality has different requirements for licensing and insurance, so be sure to do your homework. Licensing and insuring yourself is a requirement if you plan on starting up your own credit repair business — but it may not be a requirement if you are planning to join a credit repair company as an employee.

Do a Thorough Background Check on the Company You Plan to Work For

There is no easy way to say this, but there are a lot of slimy businesses out there. So before saying “yes” to an offer, you need to check credit repair company reviews on the internet to see what others are saying about them. Are most of the reviews bad or good? What do they offer their clients? Have they been around for a long time? Are they accredited? What accolades or rewards have they received? These are the questions you should answer when you are looking at a company to work for.

Stay on Top of the Personal Finance Industry

In addition to getting your clients out of debt, you have to ensure that they don’t go into debt again. This may be a bad way to get repeat business but it is a great way to obtain new customers by offering excellent customer service and knowledgeable (and actionable) advice. In order to ensure that your clients don’t go into debt again, you will have to educate them on how to better grasp their finances. You should be able to educate them on the latest apps to manage their finances, the latest long-term growth investment vehicles, and the latest tax breaks to get them more money back at the end of the year. Educating your clients after you have gotten them out of debt will provide your customer with unsurpassed customer service and will give you peace of mind in knowing that you did everything possible to help.

Network

The financial industry is big and there is a lot of money to be made. By networking and partnering up with others in the financial industry in different segments, you can increase your bottom line and make more money. For instance, you can network with mortgage lenders, financial advisors, accountants, real estate agents, and even car salesmen and refer business to one another. It is a win-win as everyone is in different segments of the financial industry so there aren’t any overlapping interests.

Know How to Market Yourself Online

Although there is a lot of money to be made in credit repair, it is also extremely competitive and cutthroat. As such, you should gain the upper edge by learning how to market yourself on the internet. Your clients are everywhere online, be it Google, Twitter, Facebook, or LinkedIn. So the bigger digital presence you establish for yourself, the more money you will make. At the very minimum, you should have a Facebook page that is solely dedicated to your business and start looking for business within your Facebook network. Once you have that down, you can move onto other methods of getting business online, such as PPC marketing or search engine optimization.

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