The 4 Levels of an Insurance Career Path

You may see many newspaper ads tying to hypnotize a prospective agent stating how easy it is to make $100,000. Moreover, they emphasize it can be done in the first year. Please give me a nickel for the 1,500,000 licensed life and health insurance agents that cannot achieve that. ($75,000 if you are calculating). Before $100,000 of income can be reached, most agents must achieve at least the third if not fourth level.

LEVEL ONE This is the insurance trainee, just starting out and continuing the first 12 months. This level is actually more about survival than it is about earnings. Many insurance trainee agents deplete savings accounts, ask relatives for loan assistance, and even take out a second mortgage on their house. Either they should have never applied for the position or the insurance agency has provided inadequate assistance to ease the agent’s burden. In the majority of cases, it is the later. Only 20% of agents struggle by, only to encounter another enduring battle.

LEVEL TWO This is the insurance rookie, who will be facing three more years of uphill challenges. Again, survival appears in the picture, along with enough income to keep from going under. The life preserver is based on both the agent’s attitude and selling skills. Selling skills start with finding the right people to focus your attention on. People that fit into your comfort zone and have a need for an insurance product you are familiar enough selling. This leads to giving a sufficient quantity of appointments. However, company provided scripts are a hard way to go when doing a presentation.. Of the appointments made, can the still inexperienced agent produce enough sales for a decent income? Only 8% of the starting agents now remain.

LEVEL THREE These are the insurance innovators with over 4 years experience and under 8. Why are they innovators? To survive the have broken just about all the career company rules of the plan to success. First, they have tossed out the insurance company presentation book, sometimes in favor of a plain yellow legal pad. The company presentation speech has been discarded in favor of a friendly conversation. The insurance innovator uses a lead acquisition system that quickly brings out the highest qualified prospects. This agent has stopped becoming an insurance seller. He now helps guide the prospect to a tailored plan that turns the prospect into a buyer. In addition, the insurance innovator has a valuable base of built up clients for additional sales.

As insurance is now officially a career, few of these agents drop out. Many start to specialize in selling fewer products. A lot now are semi-independent and some even have their own firms. For others they make take a new direction, with a different company or firm that seems much more promising. Incomes are often comparable or higher than the national average.

LEVEL FOUR The true insurance professionals. Numerous pros are fully independent. They have often signed contracts with six or more independent life …

The Educational Benefits of Card Games

Playing card games can be a unique educational experience for children. The positive effects of games like that can be enormous. Besides the obvious entertainment benefit there are other great benefits that parents and educators must consider.

In this article I will explain some of those benefits using popular card games such as Taki (or Super Taki) and Piccolo.

Since early age parents can notice how their children attract to the bright colors, the shapes, the colorful images and the interesting designs that most game cards have. This fascination can grow interest in the games, an interest that can grow into a wish to use those cards in several ways. When children reach a specific age it’s advised to play cards with them, to demonstrate and to show them the rules and the proper use of the cards.

Here are some benefits that educators consider as the most important in card games for kids:

1- Entertainment- researchers believe that pastime activities as playing board or card games are the most suitable form of entertainment for kids at all ages. We all read about the negative effects of computer games and other modern pastime activities, teaching your children to spend their leisure time in playing board and card games such as Taki, Super Taki, Piccolo, Piccolino or Classic Memory Game that can be acquired in games shop in is the best way to enrich their daily routine with fun activities without to turn into stale, and sometimes violent, activities as playing in video or computer games.

2- Education- Most board and card games are an excellent way to teach your kids math or languages without the strict pressure of school. Kids will love to play in bible games or other form of cards and will not notice that the added essence of playing is the educational benefits that they receive from the game.

Experiments showed that kids who played in card games as their main pastime activity had better grades in school that those who spend this time playing video games.

3- Social and Family activity- Playing family card games offers immediate pleasure for both kids and adults so the most beneficial type of game is a game in which the whole family plays together. The benefits of such game are obvious. Besides being a gratifying discovery for the kids, it will also give them the sense of security and health that comes with a good family activity. Quality recreation time that involves card games for children is highly recommended by psychologists and educators.

How do you start teaching your kids to enjoy card and board games? You must visit a serious games shop and start by reading the description of each game and the age range that the game fits. If you are looking for specific skills that you want to improve ask the advice of an educator or an expert. For examples, a game such as Super Taki is excellent for kids who are at the age of six …

Do You Qualify For Obama’s Moms Return to School Government Grant Scholarship?

The new Obama administration has made a commitment to assist single moms to return to school. It seems however that most mothers do not realize that Obama’s ‘Moms Return to School’ Government Grant Scholarship even exists! That is a shame as there are so many benefits to be had with this opportunity.

Even though the economy is not great at the moment you should not let that deter you from going to college – even if you are a mom!

The economy always comes back strong and when it does, your college qualifications will put you in a great position when you are finding work. You will have skills that employers want and you won’t have a problem finding a job you love and one that pays well.

Federal Pell Grants

The Federal Pell Grants were one of the first points of call for Obama when he became President. He has increased the amount of the grant for low income students. The amount is now $5100 and it used to be $4050 – and he may raise it more in the near future. This is great news for moms who wish to go to college and can’t afford to pay for it.

How to Apply

First you should find a college that has the program you want to do. Then simply fill out the deferral FAFSA form and submit it.

Studying Moms Get Tax Benefits

Thanks to The American Opportunity Tax Credit program you will get your first $4000 of education fees for nothing. As a mom this is going to take a great weight off your shoulders.

Online Study Grants

If you choose to study via online education then you can still apply for the Obama Moms Scholarship. There is no doubt that studying with online education is the best choice for most busy moms who prefer not to leave their kids to go off to college.

If you feel that the Obama ‘Moms Return to School’ Government Grant Scholarship is not suitable for you then do not worry: there are certainly other scholarships that you can apply for so that you can get the money you need to go to college.…

Acquisition of Library Materials, a Review of Some Related Literature

Universal availability of publications

Kemp (1990) lamentably noted that insufficient attention has been given by private organizations, governments or bilateral and international development agencies to the proposal of making document provision a priority in poor countries. Raising the awareness of the importance of reading in particular is very important if they are to assign adequate resources to this vital area of activity.

Line (1990) observed that the battle for availability of publications which has just begun in some countries will hardly be over in this age of information explosion. The concepts of universal availability of publications and universal bibliographic control are attributed to the International Federation of Library Associations and Institutions which were part of the core programme. By comparison with the less developed parts of the world, the developed countries like Britain have a near perfect situation.

In Sierra Leone, the picture is a gloomy one. This could be attributed to the absence of union catalogues and the lack of enforcement of the legal deposit legislation. In its literal sense, the aim of the universal availability of publications is very difficult to achieve as students and researchers fail to obtain books, journals or research reports within the time necessary.

Read (1990) re-echoed the fact that many developing countries are under-supplied with textbooks and other reading materials. In order to buttress this assertion, he cited the situation in Zaire, Madagascar and China. He believed the advent of aid-funded text book projects has ameliorated the situation in developing countries. He took a very positive stand based on studies which showed significant increase in availability.

Universal bibliographic control

Ochola (1984) noted that universal bibliographic control is an aspect of development. A major problem identified was the mission of bibliographic compilation from the priorities drawn up by the colonial administration in Kenya. The Kenya National Bibliography could therefore be seen as a creation and it is in an embryonic stage.

Kwei (1988) gave a more specific treatment when he cited the situation in a developing country like Ghana where a lot of constraints are encountered in the attempt to provide excellent bibliographic services. Among problems identified are the lack of money, shortage of professional librarians, and union catalogues, government and public apathy to bibliographical work, lack of transportation facilities and the developing stage of publishing, printing and the book trade. All is not lost. In order to improve the situation, the bibliographic agency could form part of the national bibliography. Ghanaians must be current and should not be left behind in the forward march to take information to those who need it.

Otike (1989) clearly supported the value of currency of information if bibliographic data is to be fully effective. Any national bibliography which is in arrears cannot hope to meet this challenge. Among problems identified in Kenya are the current state of publishing, enforcement of the legal deposit legislation and the production of the Kenya National Bibliography. These problems can only be solved by the co-operative efforts of information workers, publishers, printers …

Benefits of Social Studies

There are many benefits of social studies, which teachers should make clear when writing lesson plans. However, with educators specializing in very particular fields of education, it has caused many issues in the education system. Social studies is one field where some teachers lack the adequate knowledge to teach students. Social has many different areas of focuses including the following:

· Anthropology

· Archeology

· Geography

· History

· Economics

· Civics

· Political science

· Culture

· Sociology

These various areas all focus on how human behaviors work and how individuals interact with the world we live in along with the cultures that make up society. Understanding history allows our society to continue growing and build upon the information and education that is already out there.

Students that are not learning social will have difficulties when trying to find jobs and interacting with the culture they live in. Anthropology is one area that needs to be discussed as it shows information pertaining to the evolution of human life. This important field shows how the globe has been populated along with studying of the human body. It can be credited to aiding in modern forensics thanks to the study of human bones and the human body to understand cultural and racial differences.

Social studies is also based on the education of economics, law, and political science. This teaches children how wealth is distributed in the world along with global issues, which is among the benefits of social studies. The recent recession is living proof that our society needs to understand how our spending habits impact the country and the entire world. Students need to learn about inflation, recession, unemployment, investments, and taxation in order to become contributing members of society. Law is another very important subject matter that our children must understand. It is needed to know the laws of your country in order to live by them. How does law enforcement work? How do I impact the city I live in? These are just some of the questions that will be answered when a student is able to spend time learning social studies.

How about understanding how life forms on our planet? This is another type of social studies called geography. Understanding geography helps to understand weather patterns, earthquakes, and many other things that can impact our lives in an instant. This is just one of the benefits of social studies.

There are many other areas of social studies and each of them has their own benefits. For instance, psychology, which is important to learn about to see how the human mind works. Students need to see how their brain works, especially as they are growing and dealing with things that can impact the chemicals and things in their bodies, which has a direct impact on their brain. Communication is another area that needs to be taught as it helps students learn how to communicate and to understand the language they speak.

With today’s global society, there are many …

The Science Of Cake Frosting

Most of us have experienced the immense joy of dipping a finger into a bowl of delicious cake frosting and then popping it into our mouths. Often it is just as appealing to our senses thanks to its silken texture or its smoothness, as it is for its delicious taste or flavor. What is so interesting about frostings, icings, glazes, fondants, and any other sort of coating for a cake, is that the recipes are so diverse and varied and they each have a very specific sort of appeal.

For example, fans of the many different television programs that focus on professional bakers and the highly decorative cakes that they make, will be very familiar with fondant. This is something made from sugar and water and which can have a glaze-like consistency or can be as pliable and durable as a heavy dough. It can be rolled out into sheets and can, literally, wrap a cake in icing. Naturally, this has a lot of appeal to any sort of baker or cake decorator looking for a very sculptural cake, but also to those who really want to control the end results too. It isn’t, however, the best frosting for a cake that has a very delicate texture or quality because the weight of the icing may cause the cake to collapse.

This means that a baker is going to have to understand the different properties of the different frostings in order to know which are most ideally suited to their decorating needs, and to the needs of the cake. Often, people might get so “caught up” in the design process as to forget that a cake is meant to be eaten and enjoyed. This requires that the cake body be moist and flavorful and that the frosting, icing or glaze be a good companion to it. This might pose a serious challenge to a baker if the decoration is not well-suited to the medium.

Luckily, there is such a diversity of frostings available that there are few times when a specific design scheme cannot be achieved. For instance, there are buttercream recipes that create light and fluffy results, but which are also able to remain a bit thicker for the cake decorator who wants to pipe everything from string and basket work to flowers and borders. There are cloud-like icings that are simply piled up and gently spread over the surface of a cake and which serve as the decoration and frosting at the same time. There are the rigid fondants and the many effects these can achieve, and there are the watery icings and glazes that can be heated and poured over a cake before becoming firm and rigid, and yet giving the cake a highly glossy sheen that serves as an ideal backdrop to many kinds of decorations.

The thing to remember about these many types of frostings is that they should be selected for their good looks, their fine textures, their suitable flavors, and most importantly for …

How to Become a Singer in Dubai

How to become a singer in Dubai Guide

Dubai is a fantastic location in the Middle East, rich with prosperity and opportunity for new and existing businesses to thrive. Dubai is also a prime location for entertainers and singers to perform and succeed in a full time career in the art to which they love.

But what does it take to become a singer in Dubai and what should you know as an entertainer seeking to break out into the Dubai entertainment industry?

As a professional singer and performer in Dubai, I have put together what I have discovered and learnt throughout my journey and experienced whilst entertaining in the UAE.

Before we start, I would like to point out that I am not just a nobody. I have been a professional singer and entertainer worldwide who has finally settled down in the beautiful city of Dubai. Dubai has some of the most fantastic restaurants, beaches and most importantly entertainment.

Awash with restaurants, hotels, nightclubs and entertainment venues there has never been such a great location for entertainers, bands and singers to achieve they’re full potential.

To ensure that you have the best chance of success in the UAE with your singing career then follow these simple steps below:

Create a promotional CD

All entertainment venues and agencies will want to hear your voice before they book you. Creating a CD of 5 to 10 tracks will be enough for them to make an educated decision before signing you up.

Dubai has numerous recording studios located inside and surrounding the city in places such as Deira, Downtown and Abu Dhabi.

Make sure that you have a broad selection of various genres so that you are open to more opportunities and venues.

Get professional photographs

There is nothing worse than being empty handed when an agency or venue requests some professional photographs.

Hire a photographer to take a selection of pictures in hi-resolution to be used in any promotion, web sites and social media.

Get on social media

It is important that you start creating a following as soon as possible. Create fan pages on Facebook, Instagram, YouTube and Twitter where people can find you and watch any of your live performances. Allow your fans to share and comment to get maximum outreach.

Be sure to reply to comments and announce any future performance dates. Remember that venues need to be filled to ensure that you keep singing there!

Print some business cards

Another highly embarrassing and unprofessional occasion is when a potential client or venue asks for your business card and you don’t have any to hand them.

You will find that business cards are still extremely popular in the UAE. This maybe due to the multicultural population of Dubai and the UAE. A good company that offers affordable business card printing are DESCO.

Having a professional and attractive business card is the quickest way to get your contact details into the right hands and generate some business.

Be sure …

On Knowing Everything

Aristotle has been described as the last person to know everything there was to be known. To belittle this achievement by supposing that in his day there wasn’t really that much to know is to underestimate the breadth of Aristotle’s knowledge. His writings embraced physics, metaphysics, poetry, theater, music, logic, rhetoric, politics, government, ethics, biology and zoology.

Nowadays, the very idea of knowing everything seems beyond our comprehension. One need only point to Wikipedia to demonstrate how such encyclopedic knowledge far exceeds the capacity of any one individual. We may know a lot about our chosen field, but we should have no illusions: our ignorance vastly exceeds our knowledge.

But isn’t there some way to get a sense of the “big picture”? After all, everyone now carries a mental image of the earth as seen from outer space, a perspective unavailable to-even unimaginable for-people a hundred years ago. Surely there must be some way to achieve a comparable picture of western culture.

Happily, we have a tool not available to Aristotle. Statistics tells us that a carefully selected sample allows us to make valid generalizations about a population. Even if we can’t know all the individual trees, we can get a pretty fair idea of the forest by examining particular specimens.

So how do we choose the specimens for a large-scale perspective of western culture? The matrix-the grid pattern familiar from spreadsheets-offers a powerful tool. Imagine a grid with time on one axis and six categories of culture-Art, Literature, Music, Philosophy & Theology, Science & Mathematics, History & Social Sciences-on the other.

The century offers a convenient, if arbitrary, unit of measurement for time. But when we start trying to fill in the grid, it quickly becomes apparent that the century becomes impractical before around 1000 A.D. For the sake of convenience, we might want to consider Ancient Greece as a single unit, Ancient Rome as another unit, and the Middle Ages (say, the 5th through 10th centuries) as a third unit, before proceeding with one-hundred-year intervals.

Having established an empty grid, the next step is to fill as many of the boxes as we can with separate artists, composers, and authors, corresponding to the individual trees in our forest of western culture. These choices can become highly personal, but we need not claim that our choice is the best possible candidate for that box, only that it be a defensible nominee.

I offer my own grid not to insist on my choices but simply to illustrate the process. (Unfortunately, this site cannot reproduce a matrix, but by viewing the contents of each row you can get an idea of what it might look like.)

Ancient Greece: Parthenon; Homer; Sophocles; Plato; Aristotle; Pythagoras; Euclid; Herodotus

Ancient Rome: Colosseum; Virgil; Paul of Tarsus; Ptolemy; Caesar

5th-10th centuries: Book of Kells; Beowulf; Plainsong; St. Augustine; Gregory of Tours

11th century: Bayeux Tapestry; Song of Roland; Rise of polyphony; St. Anselm

12th century: St. Sernin de Toulouse; Chrétien …

East Carolina University Pirates Nickname Explained

The East Carolina University pirates have both a nickname and a name that confuses many folks that are not familiar with the Greenville, North Carolina school. The confusion with regards to the name arises from the fact that while there are two very well-known Carolinas in the United States (North Carolina and South Carolina) a geographer could scour an atlas all day and never find an East Carolina. The truth of the matter is that the institution of higher education today commonly known as East Carolina University (ECU for short) began as the East Carolina Teachers Training School back in 1907 with a mission statement to serve the eastern portion of North Carolina. A quick glance at a map of North Carolina reveals that Greenville is located in the eastern half of the state (although some might argue that it is as centrally located as it is eastern).

With a grasp on the geographical basis behind the name origin many curious onlookers question the relevance of the nickname the Pirates because most landlubbers have no recollection of Greenville, North Carolina being a safe haven for pirates the last time anyone checked. The truth of the matter is that pirates have been associated with North Carolina for centuries. Those not familiar with this fact are encouraged to brush up on their pirate knowledge. As it turns out one of the most notorious pirates to ever sail the seven seas hailed from North Carolina. Edward Teach, better known as Blackbeard the pirate, was an English pirate that ran amuck up and down the Carolina coast from 1712 until he died battling for his life in 1718. Among the spots the famed pirate frequented were the coastal communities of Beaufort, Ocracoke, and Bath. In fact, many other pirates used the shallow waters around the North Carolina coast to avoid capture by authorities looking to put an end to illicit pirating activities.

In an effort to pay homage to the rich history of the area (however violent and illegal it might have been) East Carolina University has not only proudly called themselves the Pirates since 1983 but the school has even gone so far as to designate a specific fictional pirate by the name of PeeDee the Pirate as its official mascot. In the true spirit of historical accuracy the cartoonish mascot with an oversized head that roams the sidelines at football games has a full black beard that resembles the most famous area pirate (Blackbeard) that inspired the character’s creation. The name PeeDee is a local reference to the river by the same name (Pee Dee River) that runs through South Carolina and North Carolina. The river is actually named after the Native American Pee Dee tribe that once called the area home. To bring the story full circle historical evidence suggests that pirates often setup camp along the Pee Dee River during the eighteenth century when the vicinity was flush with pirates.

Despite an area now free of dangerous pirates East Carolina …

Availing Premedical Courses

Students in the pre-medical courses have the opportunity to meet their educational goals at a world-class university. The program admits post-baccalaureate students seeking the laboratory science courses in biology, general and organic chemistry and physics required for the application to most medical, dental, veterinary, and related professional schools. The careers of Pre-medical courses provide a better scope to the interested students to get the numerous leadership positions within the organization allow students the opportunity to enhance their leadership skills for their future profession.

Education requirements

It is designed for students who have sufficient level of English but lack the knowledge of medicine related subjects. After completing the program they have the opportunity to apply for University admission. The Pre-Medical Program provides a smooth adaptation year for all the newcomers. You will meet international students from different cultures in small-size groups. You will get adapted to an independent way of life and you will learn how to prepare yourself for oral and written exams. There is no limit on the time frame during which the courses must be completed, but if you have been out of school for a few years, it is strongly recommended that you have some recent science coursework to demonstrate that you can still do well in a classroom setting.

Duration of the Course

The Pre-medical courses are the one mostly pursued by the interested aspirants to kick start off the career in the field of medical sciences. The duration of the course is mostly from 2 to 3 years which mostly provide you with a degree of Diploma in the field of medical sciences.

Subjects in the Pre-medical Courses

• Physics

• Anatomy

• Biochemistry

• General Biology

• General chemistry

• Genetics

• Biochemistry

Characteristics of a pre-medical aspirant

• Volunteer and job shadow in a variety of medical settings and specialties throughout the college and reputed university career (i.e. primary care physicians, specialties of interest, rural and urban settings, community clinics, dental centers, mission trips abroad, etc.).

• Be actively involved with activities demonstrating social conscience, compassion, and personal character to reflect to prove him.

• Show leadership ability to prove him in the course learning.

• Be active members of the college.

• Develop an ability to communicate with a variety of people in a variety of ways (i.e. written, verbal, non-verbal, technological, etc.) to develop his/her skills.

• Demonstrate the ability to effectively managing time.

Colleges and Universities

There are many medical and pre-medical colleges and universities helping the medical aspirants to get the career of the pre-medical course and to develop a sense of leadership skills and the best of medical specialties so that the medical candidate can sunshine in the colleges and universities. A pre-medical candidate is required to bestow best of quality education from the reputed teachers and professor to help the aspirant get the good grades so that he can outrage his/her career ahead in the form of the medical officer and other higher position.

In my view, …