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Things to know before applying Mortgage

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Having one’s own house is a dream of almost every individual, be it someone living in the USA, Asia, Europe, or in any other part of the world. However, not everyone’s financial conditions favor the achievement of this dream.

Many people let this dream be a dream, while others take every step they can in order to achieve it. One of the methods utilized by many people is the use of mortgage. Before going into any detail, let’s first look into the definition of the term “mortgage”.

“A mortgage is a loan in which property or real estate is used as collateral.”

Thus, from the above definition, we get to know that mortgage is basically a loan. This loan can be taken from a bank or some financial institution. The bank or the financial institution giving the loan is termed as the lender, whereas the individual getting the loan is known as the borrower.

The amount of the loan corresponds to the value of the desired property. Let’s say if a borrower wants to buy a house worth $200,000.

The lender, depending upon the mortgage package selected by the borrower, pays a loan of, let’s suppose, $160,000, while the remaining percentage of the value of the house, i.e the down payment, is to be paid up front by the borrower.

This earns the borrower ownership to that house, but now, he has to pay off, in installments, the principal amount of the loan (i.e $160,000 in this instance) as well as the interest on it within a specific span of time.

Details like the percentage of the down payment, details of the installments, interest, and the time limit for paying off this loan vary according to the mortgage the borrower chooses.

The process of converting your debt into equity by gradually paying of the principal payments, as well as the interest, is termed as amortization. But as stated above, the property, so bought, is held as a collateral, which means that if the borrower is unable to pay the loan installments or interest due to any reason, then, by the process of foreclosure, he or she loses ownership to that property.

Therefore, one can say that mortgage is a type of secured loan, as the borrower would have to pay off the loan with his property if not with money.

Unlike how simple it seems from the above explanation, the topic of mortgage is very detailed and complex. However, now that you know a little bit about what a mortgage is, let’s proceed to discuss which factors must be kept in mind before actually applying for a mortgage.

Applying Ahead of Time

The approval of mortgages doesn’t occur immediately after application, rather it is a process that takes time. If you spend time searching for a property and apply for mortgage after you’ve found one, then, by the time your application gets approved, the property might be sold to someone else.

So if you’ve already decided to apply for a mortgage, it is advised to apply ahead of time and, while you wait for it to be approved, you’ll have plenty of time to search for the property that meets your liking.

Search for Reliable Lender

People need to understand that there are some lenders who would trick you into applying for a mortgage that “seems” easy to deal with at first but can land you into big trouble after sometime.

To avoid this, ask around to see which lenders seem reliable. You can also take the help of a mortgage broker to not only help you find a lender but also decide which mortgage to apply for.

Details of Property

Don’t shop blindly. If the property you wish to buy isn’t worth the value against which you are requesting a mortgage, then it’s less likely that you’d get anywhere with your application.

Previous Loans

If you’re already paying off other loans, it’s better that you take care of them first as it can have a negative impact on your chances of getting your loan approved.

Basically, theres a thing called debt-to-credit ratio. It means how much you owe vs how much you earn. Having a lower debt-to-credit ratio considerably favors one’s chances of getting the mortgage application approved.

A Good Credit Score

“A credit score is a numerical expression based on a level analysis of a person’s credit files, to represent the creditworthiness of an individual.” (Source: Wikipedia)

Thus, a credit score helps the lender decide if you should be given the loan or not. A good credit score can be built with this guide. It favors you by telling your lender that it’s more likely of you to pay off your debt on time.

Tax Payments

A borrower must ensure he has a good record of on time tax payments. It’s like an evaluation of how responsible a person is when it comes to his finances. A clean history paves an easier road to getting your mortgage approved.

Types of Mortgage

You don’t need to know every single thing related to mortgages but it would be foolish to go to your lender without any homework. There are different types of mortgages, for example, interest-only mortgage, fixed rate mortgage, standard variable mortgage, jumbo mortgage and so on.

Fixed rate mortgage are quite popular among people.

However, the mortgage type for a person to choose eventually depends upon the individual’s financial conditions and personal preferences. So it is advised to do some homework into the pros and cons of each, and to seek advice from professionals or get in touch with a mortgage broker before finalizing which deal to choose.

All Applicants are Equally Considered

It is possible for more than one individual to apply for a single mortgage. However, all the factors taken into consideration while issuing a mortgage are applied equally on all the applicants, be it their credit history or credit score.

Religious Reservations

Mortgages are loans paid off alongwith interest. This raises difficulty for certain people, such as the Muslims for whom the involvement of interest in any transaction is against their religious sentiments. The Muslims, therefore, should look into interest free loans provided by Islamic banks as a substitute for mortgages.

Conclusion

After reading the above stated facts, we come to know that people who wish to apply for mortgages need to ensure that their credit history, the details of the property, the debt-to-credit ratio, all favor the approval of their application.

Also, the borrowers should do their own research into the different mortgage types and offers before making their final decision. Those who cannot request a mortgage due to religious reasons should instead look into loans that conform to the principles laid down by their religion.

What Education do you need to be a Nutritionist?

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A nutritionist is a health professional who has expertise in diet, nutrition, and health education. Nutritionists are directed to provide customized diet plans, dietary and lifestyle modification guidelines to people.

Health professionals like doctors, nurses, physiologists, pharmacists, clinical and community nutritionists, who have their bachelor degree, can practice under the title “Nutritionist”. Further certification and accreditation is not mandatory to work in professional settings.

Hospitals, schools, food industries, personal clinics, nursing homes, and health organizations are the professional settings where they can perform their duties. They help provide dietary guidelines to people who are suffering from cardiovascular diseases, obesity, renal and hepatic illnesses, malnutrition, and food borne illnesses.

Formal Education to become a Nutritionist

According to Certification Board for Nutrition Specialists (CBNS), any person having a graduate or doctoral degree in public health nutrition, clinical nutrition, health sciences or any other related field can pursue his career as a nutritionist.

During his bachelor’s degree, a nutritionist must go through these course subjects include microbiology, human physiology, psychology, medical, nutrition, pathology, biochemistry, pharmacy, medicine and supplemental education in nutrition.

Training Protocols

American Dietetic Association (ADA) offers internship and training programs for nutritionists during and after completion of their graduate degree.

These training programs usually take between six months to two years and enable the students to familiarize with personalized diet plan, meal planning, medical nutrition therapy, weight loss dietary tips, and dietary management in eating disorders.

Students learn about macro and micronutrients present in food, how to modify the portion of macronutrients in daily diet according to present health condition.

Further Certification and Accreditation

A good number of states require further certification from accredited educational institutes to get experience and to work in a more professional way.

American Nutrition Association as the Board for Certification of Nutrition Specialists (BCNS) offered two designations for healthcare professionals providing expert advice in Nutrition.

  • Certified Nutrition Specialist (CNS)
  • Certified Nutrition Specialist-Scholar (CNS-S)

Certified nutrition specialist are health professionals who have expertise in medical nutrition therapy, and research experience in advance nutrition trends and work at clinics, hospitals, academia, industry, and community.

To earn Certified nutrition specialist designation a candidate must have at least graduate degree in one of the following subjects:

  • Clinical or community nutrition
  • Public health
  • Biochemistry
  • Physiology
  • Pharmacy
  • Medicine/Nursing
  • MD/DO, DDS
  • Physician assistant

Basic requirements for a Nutritionist or a Healthcare professional to become a CNS are below:

  • Master of Science (MS) or doctoral degree in the subjects mentioned above.
  • In addition to the above scale, a candidate must have accomplished areas of study include nutrition (minimum 9 semester credit hours), biochemistry (minimum 6 semester credit hour), anatomy/physiology (3 semester credit hour), and other clinical and life sciences subjects (at least 12 semester credit hour).
  • Applicant must go through no less than 1000 hours of supervised practice in nutrition, at least 200 hours in each of the areas include nutritional assessment and screening, dietary counseling and nutrition monitoring and evaluation.
  • Upon completing all necessary experience and education requirements, the candidate must apply to take the Certification Examination for Nutrition SpecialistSM.
  • Candidates might also pick out their desired exam websites while completing their application.

Basic requirements for Medical Doctors (MD) and Doctors of Osteopathy (DO):

  • Degree from accredited medical or osteopathy school.
  • License for medical practice in the U.S (or in-country of practice).
  • In addition to above requirements, the candidate should cover at least 4 semester credit hours (60 CE equivalents) covering the Foundational Nutrition Coursework Topics, 5 semester credit hours (75 CE equivalents) in advance nutrition, 5 semester credit hours in biochemistry, 15 credit hours in clinical and life sciences subjects.
  • Applicant must go through no less than 1000 hours of supervised practice in nutrition, at least 200 hours in each of the areas include nutritional assessment and screening, dietary counseling and nutrition monitoring and evaluation.
  • In addition, candidates ought to submit at least five case researches according to the CNS® Practice Experience for MD/DOs Case Study Report Instructions.

Certified Nutrition Specialist-Scholar (CNS-S): Scholars, researchers, educators, scientists, and product developers pursue CNS-S while in search of difference in medical or applied vitamins technological know-how.

In addition to basic course work (9 semester credit hours in nutrition, 6 semester credit hour in biochemistry, 3 semester credit hours in physiology, and 12 semester credit hours in clinical nutrition or life sciences), the candidate must have 3 years of full-time experience in one of the following areas:

  • Nutrition industry
  • Writing/academia
  • Research / publications
  • Clinical practice

Roles and Responsibilities

Unlike Dietitians, Nutritionists primarily work with character customers. As a professional in food and nutrients, Nutritionists advise humans the way to live an extra healthy way of life and achieve health-associated goals.

Nutritionists Carry out the following Obligations:

  • Develop a weight-reduction plan and workout plan for character clients
  • Support clients thru everyday meetings
  • Track clients’ development and encourage individuals to stick to eating regimen plans
  • Coordinate and lead institution or character cooking classes
  • Promote fitness and nutrients via giving presentations approximately the importance of meals vitamins
  • Assess people’ normal fitness such as snoozing habits
  • Distinguishing Between Dietitian and Nutritionist

People usually combine a Dietician and a Nutritionist into one category but in actual their basic academic requirements, qualifications, roles, and responsibilities make them specific in their respective fields.

You become a nutritionist if you acquired a bachelor’s degree in any field related to nutrition and health sciences, but to be a dietitian you must have a bachelor’s degree along with certification from a registered dietitian council.

In the US, it is compulsory for a dietician to earn a nutrition degree from an accredited university, at least 6 months internship from hospitals, food industry or health organizations, and certificate from a registered dietician council to practice.

Academy of Nutrition and Dietetics, make sure that registered dietitians are required to complete an official schooling application that affects at least a bachelor’s degree.

This program should be authorized by the Dietetics’ Accreditation Council for Education in Nutrition and Dietetics (ACEND) and consist of a sensible element done in a profession-associated site.

How to be a Great Human Resource Manager

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Human Resource department is considered the backbone of an organization because it performs important functions. If the backbone is strong then the whole structure of the company will be strong and successful. 

Many high notch companies hire a team of highly qualified and skilled HR persons to compete with other prosperous organizations to increase their success rate. This can be one of the main reasons that HR managers collect sky-high remunerations.

9 Skills that can form a Great HR Manager

Future Anticipation

One of the foremost qualities of an HR manager is to assess the future needs of an organization. Where the organization wants to head in the next ten years? What are the opportunities and threats and the requirements of the company? After analyzing this with research, he has to start the strategic and personnel planning from the very next moment.

He needs to be proactive. He has to set a road map, let’s say future hiring if an organization wants to expand, what will be the future mechanism, how to tackle the diversity issues, how to grow and make his company successful.

Knowledge of HR

This is considered the basic requirement to qualify for the HR position. If an individual does not possess a professional degree and knowledge about the subject matter, he is unable to perform and survive or even get selected for the HR position. 

If you’re performing an HR role then it is also mandatory to keep on adding information in your area because the new principles and technology keep progressing in the industry. 

It has been noticed, after the bachelor’s degree in HR, many graduates get hired for entry-level HR designations. After that, they enroll in Masters in HR, to grow professionally and to obtain managerial level. But above all, either to grow or to be perfect, additional information always adds value to your job and makes your task more result-oriented.

Know your Employees

“I am people-oriented,” many interviewees say at the time of hiring. It’s a good thing. But what does this term explain? To be a great leader, you must know everything about your followers. Employees must be treated as an asset.

To be productive and to keep your organization working continue, its workforce must be engaged in their jobs. That is possible if the employees are satisfied with their jobs and organization.

It is also the right of employees to have listened to the problems they are facing both organizational and personal and take action to solve them. That is one of the main tasks HR must know about it. If this is handled properly then it will create a positive image of the company and the HR manager.

Good Communication Skills

HR Executive represents the organization. He works with unions, different management levels, and employees. It is necessary to have excellent communication skills. What are the plans and efforts of the HR department for its employees must be communicated with the employees?

What the organization expects from its employees, do’s and don’ts or any kind of bad news must be addressed properly and openly. This is the art of HR managers in how to communicate in a result-producing manner.

Comfortable with Technology

For better results and efficiency, the HR department takes the help of technology like any other department. HR team uses software for planning, job boards, database maintenance, payroll, and much more.

This has become part of their job description and to perform the tasks in less time with more outstanding outcomes. Current HR managers must have hands-on experience to get prosperous.

Personality Assessment

During the recruitment and selection process, this skill helps a lot in hiring the right person for the right job. Assessment of different personalities and mindsets is not only interesting but also grooms your skill to understand human behavior. If a new employee is effectively deployed, he will generate high performance in the long run

Maintaining Business Ethics

For a successful business, business ethics are very important. If an organization is successful then the major part of its success goes to the HR Manager. Maintaining a culture of strong moral values and differences between right and wrong leads the way to success in the long term.

In an office environment where every employee will be aware of the standard ethical principles and their breach will result in some penalty will lead the teams in a positive direction, The HR manager has a great responsibility towards its effective implementation.

Stress Management

According to one report HR job is considered the highest stressful job at an organizational level. Due to team conflicts or between employees and management, policies and planning failure, not meeting the deadlines or many other reasons lead to stress. If the HR manager is good at handling stress then he will lead to creative solutions.

Industrial Relations

It is also one of the duties of the HR manager that can make him a great manager. Building healthy and worthy relations with labor unions to stop lockouts and with other organizations to build a good reputation in the industry is not as simple as it seems. 

Whenever a conflict arises great pressure is given on negotiation for the smooth running of the organization. The HR manager is expected to take an interest in this domain as well for organization wellness.

How to find a Good School for Teaching?

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The basic thing for any civilization, nation or country is EDUCATION. It leads any nation towards the progress. But it has many problems, for the ones who want to go in this field. Let me clear all of these problems first.

  • A person don’t know how to POLISH himself.
  • Earnings are not up to the mark to support family.
  • The environment is not suitable to work.
  • There isn’t any opportunity to work.
  • The cancer like Leg Pulling is most common in any field.
  • Physical and mental pressure won’t let anyone to work.
  • They don’t have a job security etc.

I will help you to clear all the problems regarding this. The only key regarding preventing all the problems is to find a Good School for teaching.

But, the question arises is HOW?

Nowadays, people are so afraid to work as a teacher because they think they don’t have a better, bright and prosper future. You can find a good school by considering the following points.

Opinion Matters

If you are finding a good school for teaching, then just explore your surroundings. Ask the kids and students around you about their studies, school and environment. You will get to know about each and everything by just talking to them. Any individual is a reflection of his institution.

Good School

Visit the schools around you, talk with their representatives, If you feel comfortable talking with them, then YES! You are on a right place. You should not hide anything while talking with them, Just express yourself and let the other person know WHO YOU REALLLY ARE!

No Boundaries

A good school has not any boundary to work. You can do whatever you want for the benefits of student. This is how you polish yourself. You just need an organization to become affiliated with and you can easily polish yourself.

Job Security and Earnings

Yes, a good school has definitely has job security which means that they cannot kick you out randomly without any solid reason and a very good earning as well. Because no one works for free, everyone has his own needs to be fulfilled.

Respect and Honor

A good school will never ever compromise on any respect and honor of a teacher because it is known by its staff. Work where you feel respect. As teaching is the most honorable profession in the world so never compromise on it. Because work without honor is just like pulling a useless cart.

Environmental Evils

There are many environmental evils in our surroundings and in type of field which won’t let anyone to give him best to that task. These are some like back biting, leg pulling, rumors and more stuff like that.

Characteristic of a good school is that, they won’t tolerate anything like that and won’t allow anyone to spread the negativity like that. It will give rise to A PEACEFUL WORKPLACE.

Opportunity

Opportunity and determination run side by side. If you have determination for anything and you are motivated for that, you can’t do anything unless you get an opportunity. It’s just like running fast with no direction. You only get tired, nothing else.

This opportunity gives you a direction. Same is the case with the schools. A good school will give you an opportunity and direction for your work.

Future

Secure and prosper future is something that everyone wants. Start thinking about your future. A good school will help you to teach as much as you can. It helps you to make your name of so worth that everyone recognizes you and your work.

Free to Work

A good school allows you to work on your own, not in any pressure, they cannot mold your original way of teaching. You can be yourself and it works.

You work under command but not under pressure. The difference between working under command and under pressure of someone is that the later one has its fear in mind and heart which will NOT allow you to expressive.

Administration

A good school has very well coordinated administration, pay on time, and leave if you want any. A good administration doesn’t make you burdened. They feel and understand your circumstances. They are flexible in many of the things.

Conclusion

Just keep in mind the following points when you are finding any school for teaching. Be original and express what you feel. Be consistent with your work and have faith in Lord.

What are the ways HR managers use to Motivate Employees

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Not happy with the performance of some of your employees? When you have provided them with all the possible resources, what can be the reason behind this?

Human Resource managers are responsible for keeping the environment of the workplace positive and committed. Any difficulty faced by the employees directly affects their performance level which automatically results in low output.

In a situation where all other incentives have gone in vain, HR managers are supposed to take measures to boost the motivation level of the employees. This isn’t the only reason for HRM Department.

Here I would mention some of the ways through which HR managers help the employees to increase their motivation level.

No Communication Barriers

Employees feel motivated when they are able to approach and discuss different matters with their manager without any fear. HR managers are supposed to keep the relationship with their employees in a way that there is no communication barrier or gap among them.

A friendly approach from the manager’s side helps the employees to discuss all their official as well as personal issues. There are many stress simulators in the workplace. Employees should know that their manager is always there to help them and cope with the problems they are facing.

This feeling of support gives them the motivation to work with more commitment and loyalty towards the organization.

Give the Sense of Trustworthiness

HR managers should show their employees that they are trustworthy to bring out the best performance from them. This can be done by delegating tasks and letting them make their own decisions related to the assigned project.

When the employees know that their manager is having faith in them they would give more than their best to achieve the target.

Give Rewards on Time

At every aspect of life, whether it is about academic years, professional life or personal, individuals need appreciation. To keep the motivation level of employees higher, managers should never let the employees’ efforts go unnoticed. It is a psychological reason connecting Psychology with HR.

Just a pat on the back works wonders in some situations. The gesture of acknowledging employees’ hard work and giving them an appropriate reward at the right time is highly appreciated.

Provide Them all the Required Resources

The HR manager has to make sure that employees are provided with all the resources to do their job. It makes them feel better and more productive.

Arranging workshops, training sessions, work-related seminars are some of the tools which help prepare employees to perform their tasks well.

Motivate Each Employee Separately

Having a direct approach to every employee increases their level of confidence. A motivational speech given in the team or recognizing a team’s effort is good, but it is more valuable if the manager reaches every employee in person; to help, motivate, support, appreciate and listen to their issues.

The manager should ask about their likes and dislikes at the workplace and take out the best possible way to satisfy them by answering their questions and sharing the big picture of the company goals.

Focus on the Balance between Professional and Personal Life

Many organizations run behind achieving the targets without being concerned about the time it is demanding from their employees. Overtime, late sittings, work on holidays are the factors which badly affect employees’ personal life.

The HR managers should focus on balancing such situations by giving extra holidays (based on performance). Flexible working hours would be a plus as far as the employees are completing their tasks on time.

Such initiatives would ultimately increase productivity as a relaxed mind work with more commitment rather than a stressed one.

Create Ways for Employees Career Growth

Most employees switch jobs when they get the opportunity to grow and work in a higher position. The HR manager has to create ways through which he can help the employees in their career growth. He can schedule additional training sessions or courses, provide opportunities to learn new and advanced skills that would help them grow.

It is the responsibility of the manager to keep an eye on the capabilities of employees, help them use all their potentials, and give them the ideal role within the organization. This way, it would not only keep your employees loyal to the company, but they would be more engaged and motivated to work harder.

Motivating employees is not a piece of cake, but HR managers have to take measures to keep a healthy environment in the organization. It is beneficial for both the organization and the employees.

Any organization which is working with unhappy employees would eventually decline. Thus keep the employees happy to get the best output from them for the success of your organization.

Author Bio: Iman Khan is Human Resource Qualified and working as a manager. Know more about her on Facebook.

Purposes and Uses of Management Accounting

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Management accounting is the process of communicating financial information to accelerate the company’s progress towards its goals. It’s also known as cost accounting.

Management accounting and financial accounting are tightly linked to each other although both serve different functions. The major factor that differentiates management accounting from financial accounting is that it’s aimed toward empowering managers within an organization to make effective decisions. On the flip side, financial accounting is intended to offer information to external entities of an organization.

The primary purpose of this type of accounting is to ease the practice of decision-making related to all aspects of business operations. Managers leverage the power of financial data to base their decisions for future growth & produce the results that the organization needs.

It helps you figure out how much a product costs, analyzes when your company breaks even, crafting a budget for expenses and future forecasts.

How Management Accounting System Works

Management accounting systems are deployed to equip the management with vital information to be used in operational business decision-making. A hospital might use management accounting systems to facilitate them in insurance billing and other in-house essentials.

Manufacturing firms employ these systems to assist them in costing and managing the manufacturing process. These systems are adaptable for functionalities and reports specific to that particular industry.

Let’s dive in to learn the various elements of the management accounting system:

Purposes of Management Accounting System

  • Planning: Planning is at the heart of managerial accounting to foster businesses. This encompasses to tap into stacks of financial data to plan for future needs of corporations. The planning purpose of this type of accounting involves designing effective strategies to drive competitiveness and surge profitability.
  • Monitoring: Accounting of this type is involved in ensuring that strategies are implemented and action plans are carried out as planned. It assures that resources are acquired and used effectively in the achievement of the organization’s goals. Confirmation of milestones achievement & improving product’s quality is a part of this monitoring process.
  • Directing: Management accountants serve as liaisons between employees and upper-level management of a business to answer queries and help solve problems. Directing & motivating employees also comes as a part of their responsibility. Monitoring and directing features of managerial accounting are laced together. Monitoring is designed to ensure that everything falls in its place.
  • Analyzing: The central purpose of management accounting is analyzing information to determine problematic areas or flaws and developing ways to fix them. Ultimately, data analysis sets the table to seize big opportunities.
  • Reporting:  Now, It all boils down to creating comprehensive reports for communicating goals, plans & other recommendations. These reports include an analysis of a particular matter coupled with clear-cut conclusions. Additionally, it also includes recommendations for maximizing efficiency and solutions to problems faced by an organization.

Uses of Management Accounting

  1. Forecasting: By using managerial accounting, you can project the financial trajectory of the company in the upcoming months and years. It includes forecasting of revenue along with operational costs. While taking into account, creating a capital budget, which frames the costs of future investments. Additionally, the budget also outlines the costs of new purchases and acquisitions.
  2. Sales trends: Management accounting enables you to evaluate your money-making products & services. Data can help you to nail down whether your product is catered to the right audience or not. Accordingly, you can make it enticing to a specific market. This accounting equips you with the tool you need to target your marketing campaign and narrow it down to potential prospects.
  3. Project Management Decisions: Managerial accounting is used to analyze profitability ratio for new projects and provide reports for existing projects. This accounting is crucial in ensuring that all projects are managed properly and delivered within time while staying profitable. 
  4.  Financial Planning: Management accounting also keeps a check on your bills and bank statements. Hence, enables you to stay mindful of your current finances & what cash flow to expect during upcoming projects. These insights help you to make calculated decisions about when to control spending and when to go all-in on long-term investments. It allows you to gauge the financial effect of biased decisions and actions & highlight variations in your income. A managerial accountant performs cash flow analysis, by auditing the cash inflow or outflow generated as a consequence of a specific business decision.

The bottom line

Management accounting is a key pillar in creating sustainable operations for a corporation.

By just condensing & organizing stacks of data, it creates a framework where information is easy to find and apply.

Disadvantages of being a Teaching Assistant

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Who is a teaching assistant? A teacher may have a lot of work to do in a very short time. A teaching assistant plays a key role in helping the teacher as well as students. A teaching assistant is a person who assists a teacher and students with instructional responsibilities

Duty of Teaching Assistant

The overall duty of a TA is to review material with students, making class and school rules for the proper behaviors of students supervise the students in class and playground, Recordkeeping e.g. taking roll call, grading, etc.

Despite this when we talk about the duties of a teaching assistant then we don’t find the clearest job description for them, they perform multiple roles for teachers and students

Disadvantages of being a Teaching Assistant

Day by day the role of a teaching assistant is becoming increasingly demanding, and it is found that most of the teaching assistants are not happy with their jobs and this job is creating negative impacts on their health and character also

Here are a few negative points of being a teaching assistant

Bad Behaviour of Students

Many students in different institutions show very bad behavior with teaching assistants. The bad behavior of students with TA makes them stressful and worried.

A True Story

JAYNE was Teacher Assistance, she had to deal with many rude and naughty students. Once a student was creating a problem and she punished him, the student harm himself and said to Jayne, he’ll say she harmed.

This act made her so stressful and sacred because the student might tell his parent, staff or someone else that she hurt him and she could also lose her job not only this but some serious action could also be taken against her

Making List

Besides other tired some activities a TA is allotted with a job which is asked him to do at home and not during university hours. All of the data entry work is given to him, he first marks the papers of students and then makes a hard copy of student’s grades of each class and then he has to make a soft copy of it on computer

Workload

The biggest issue of teacher assistance is the workload on them. Each teacher considers that they have the right to order TA. It makes them confused in deciding that whose order should be followed.

Sometimes it becomes a sort of misunderstanding, sometimes it happens that TA is performing a job and another teacher arrives and asks him to do something else.

Unnecessary Roles

The job description is not specific to a TA. The extra work of any type is s awarded to him e.g., making the announcement by visiting different classes, managing trip schedules, and student details.

Low Budget

The payment given to the TAs is very low. Many teacher assistance has to do a part-time job to meet their financial issues, this makes them so busy and causes a direct effect on their health.

Unnecessary questions from Students

The TA review the material taught by a teacher, the students focus neither at teacher nor at Teaching assistance and resultantly they can’t understand anything, or they miss the main point when they do their homework then they ask unnecessary questions about the material and the TA has to explain everything again and again to many students.

Why being Doctor is the Best Job?

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Everyone around this globe is doing a job, some get paid for their work while others are doing it without any payment. Job is actually an individual’s role in society. We all are either doing a paid or an unpaid job. Mostly, we have the choice of choosing the paid job but not the unpaid one.

Unpaid jobs are the duties associated with us as soon as we’re born – to be a good and well-behaved child, a good student, a good mother or father, a good spouse and etc., But we always have a choice to choose the paid job, so why not chose the best job?

Growing up you might have heard that doctors are the best, leading to confusion that why not the other professions? Well, every profession is best until you’re sincere to that work but doctors are the ones who you need to be the best in your profession.

Health is wealth, the most common term used in our daily life clearly signifies that health is the only wealth due to which everyone can do whatever they want, especially the work. But what if your health does not cooperate with you? You obviously need a doctor.

Dictionary says a doctor is a person with extensive knowledge in the domain of medical sciences and dedicates his knowledge to identify the medical problem faced by the patient and then uses his skill to treat and cure it.

But actually, the services and the importance of the doctors are far beyond it which makes them the best and their profession the best profession.

The history is full of doctors who contributed a lot for mankind, who did their best to find the cure of every known disease, who tried to eliminate the diseases as soon as possible.

6 Reasons why you should be a Doctor

Their services which attract the youth to become a doctor are praise-worthy. Some of their services that make their profession the best are:

Saving Life

For our beloved countries, we all need soldiers, who we consider as safeguards fighting on the battlegrounds for the safety of our countries. Without the soldiers, enemies can invade our lands so for their healthy being we need someone.

If in case they get injured, shot, or ill, how are they going to protect us and our land, so they obviously need some other soldiers and safeguards for their health to make them perform their duty.

Doctors are the ones who help them in that critical situation. They are equal to soldiers as they save our lives, our mental and physical health.

They are the ones who save lives in critical situations. When there is no hope of life they create hope. They face the most challenging time during the case of emergency and a serious illness, and the way they cope with the challenging situation and also save the life of a patient makes them heroes.  

Helps to cope up with the Emotional Trauma

Everyone looks up to a doctor when they are suffering from an illness or an injury. A doctor not only treats them but helps them to overcome their painful period, to accept the new change, and to completely cherish life after the change.

A doctor is the one who becomes more tensed when sees his/her patient suffering but never lets his/her patient be tensed. He has the power of uplifting them and cares for them.

Improving Lives & Lifestyle

Being healthy not just means being free of illness but it also means that a person is physically and mentally fit.

Doctors play an important role in improving a person’s lifestyle. As modern technologies have made most of people lazy and unfit, the doctors here also provide their help by giving the people a balanced diet and ways to improve their discomfort due to lethargy

Decision Making

A doctor not only treats a patient but makes a decision at a very critical time in a small amount of time. The decision-making at a critical time also makes doctors the best.

They make a quick and wise decision when there is no time to think and no time to discuss as they battle with the life and death of a patient.

Extending Life

Every disease is not curable and they ultimately lead to death. In this regard, doctors play an important role in extending their patient’s life by giving them medicines and treatments so they can live more and cherish more moments.

Role in Epidemics

During the pandemic situation when everyone remains isolated, doctors are the ones who risks their lives just to control the further spread of the epidemic and for the treatment of the patients.

There is a misconception among people, that doctors are money-making machines. No, they aren’t, everyone deserves to be paid after their hard work and a long-lasting dedication towards their profession and patients. And they only take their pay for their continuous services and hardwork.

The road to becoming a doctor is indeed a hard one, it has many ups and downs, it takes a lot of mental and emotional courage and stamina. Every day is a new challenge for a doctor or the one who is going to be a doctor.

The studies, the mood swings, the depression, a doctor’s face is really hard. Just a smile of a patient makes a doctor contended and at the end of every difficulty and hard work is worth it and the doctor feels proud of him for choosing the best and the noble job.

“Real heroes don’t wear capes. Real superheroes wear uniform and badges and stethoscopes.”

Anonymous

How Much Does a Doctor Earn

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Career selection is a very difficult task for most people. In choosing a career, one must consider personal interests, skills, resources as well as the scope of any field. The earnings that come with a particular job stand, till today, as one of the most important factors in deciding one’s career.

The profession of medicine has been present on earth for centuries, and, till today, it continues to attract thousands of people worldwide.

Doctors are known to have a handsome pay, and this factor alone acts like a magnet, pulling a large number of students to choose medicine as their profession. But the curiosity remains….

How much do doctors earn anyway?

In USA, if we estimate the average annual income of “all” the doctors then it comes around to be almost $299,000. But wait! That’s not the complete answer to this question. The annual income of the different types of doctors as well as that of doctors living in different areas varies greatly from one another.

Thus, the income depends upon factors such as where they are employed, have they specialized in any area of medicine or not, and if yes, then what is their speciality, which speciality is in demand, and are they engaged in public practice or private.

Likewise, if one had to take loans to complete his studies, then the net income is definitely reduced by returning all those loans. Let’s take a look at all these factors one by one.

The Location of Employment

A doctor’s pay usually shows the level of competition in his location of employment. Working in a place like New York or California would mean lesser earnings as compared to someone working in Wisconsin.

It seems astonishing at first but it’s quite logical if you look at the fact that more people opt places with more resources and development, like New York, as compared to places like Wisconsin.

As there are plenty of doctors available in new york, the hospitals can hire them at a lower pay. Whereas in Wisconsin, hospital authorities have to attract doctors by offering them a higher salary.

Primary Care VS Specialist

Throughout the world, it is a common observation that primary care doctors earn less as compared to specialists. In the US, the annual income of a primary care doctor is approximately $220,000, whereas that of a specialist is approximately $330,000.

Speciality

Which speciality to choose is a challenging task for many doctors. There are so many specialties out there, some related to procedures, such as neurosurgery, cardiosurgery and plastic surgery, while others are non-procedure specialties including pediatrics and family medicine.

On average, specialities involving procedures tend to have a higher salary than non procedure specialties. According to the data given on Medscape.com, neurosurgery, orthopedic surgery, plastic surgery, cardiology, and gastroenterology are among the top paid specialties in the US.

Demand

Like in any other field, the demand of the people has a huge impact on the income of a particular medical speciality. To understand this, consider the example of psychiatry.

In the US, the massive increase in the number of psychiatric patients, as well as the increase in attempts of suicide at an alarming rate, is an evidence of the increased demand for doctors specializing in psychiatry.

Thus, as compared to before, the average annual physician compensation for psychiatrists has increased. Hence, we can say that greater the demand, higher the pay.

Loans taken during Education

In the US, many students have to take loans in order to persue higher education. The lack of understanding in regards to dealing with financial obstacles puts the medical students under a huge burden of debt by the time they finally start earning. Interests on these loans simply adds to their debt and reduces the net amount earned each year.

This also highlights the need to educate students about various student loan programs and schemes and to teach them efficient ways to pay off their debt without having to lose a fortune later on.

Private VS Public

Private doctors have a financial advantage over public doctors. This is true not only in US but also in other countries. However, despite this financial advantage, doctors prefer public service over private due to the extra burden of dealing with business related issues in private practice.

Here, it is usually a dilemma of choosing between more income or mental health.

Conclusion

Thus, we can conclude that all the doctors, on average, are earning a fairly good sum in the US, amounting at the very least a few hundred thousand dollars per year.

The journey to becoming a practising doctor in the US is not easy. After spending so much time and money, a medical graduate finally gets the chance to earn for himself, and his hard work begins to pay off.

But, in order to practise in the US, every medical graduate, be it a local American or a foreign medical graduate, must pass the United States Medical Licensing Examination, or USMLE in short. USMLE is a three-step exam taken by thousands of medical graduates each year.

In the world of medicine, this exam is considered one of the toughest tests conducted to see if a medical graduate is qualified to step foot in the actual field.

After such a long academic, physical and financial struggle, those who land a job can finally take a sigh of relief, and hope for the start of an easier journey ahead. Considering the years of effort spent just to enter this profession, it is only logical for doctors to be rewarded with a good pay.

A doctor is a humanitarian who spends almost his entire life saving others. Therefore, I believe that doctors deserve to be given respect, appreciation and due compensation.

How Educational Training and Coaching helps the Teachers

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“An undying learning attitude to hold on to”

With the ongoing trends of the modern world, one should take a step ahead towards new technology. Educational training and coaching are meant to create and cultivate skills and knowledge more strongly and confidently. These programs help to keep up with the new version of the educational system.

Training and coaching are two different terms having more or less the same impact on an individual.

Need of Training

Training programs allows to every employee to strengthen in particular area in which they need to improve. These development plans upgrade their skills and bring them to the higher level of knowledge.

Trainings should be carefully conducted keeping in view the demands and needs of an individual as well as the bombarding new technology in the educational field.

A supervisor should closely monitor their staff members and assess them individually. After careful consideration the next step is to set the smart target and objectives for the training sessions.

It is always of vital importance to carry out the smart and smooth training sessions. Smoothness depends on the time and trainer who is conducting the session.

A trainer must have strong communication skills, good grasp on the content, having great body language. This will ultimately inspires the audience and half of the task finished.

Training Could Help the Teachers in the Following Ways

  • Teachers will get to know the new trends in the education
  • Teachers will become more confident
  • Teachers can apply different methodologies
  • Teachers will be ready to learn more
  • Ready to take risks
  • They will try to make a difference
  • Equip themselves with new tools of education
  • They will be motivated

Just touched the base line of the trainings, it can make the results outstanding and more productive. After going through various sessions, they can polish their skills.

Most of the teachers provided with the proper training on up to date information and research on the classroom management becomes very successful.

The Need of Coaching

In the content of education coaching is a philosophy, focuses on the trust on an individual who can make their own ways. Coaching is a term refers to a process in which most experienced teachers gets an opportunity to give their time and skills to the new upcoming teachers in the field. It is teachers train teachers and enhance their own abilities to the next level.

Coaching Helps the New Teachers in the Following Ways

  • It gives them self awareness
  • They can share their routine of the classrooms easily
  • It helps them as it has practical examples
  • It can give them confidence
  • Get to know more skills
  • It will help them to deal with new techniques

Coaching Could be Done in Different Ways

  • Instructional coaching.
  • Peer coaching.

These two Further Helps in

  • Improving performances.
  • Embedded learning.
  • Confidence building
  • Improved psychological health
  • Inclusivity
  • Well rounded citizen

It is important to remember that effective teaching does not come easy, It requires hard work, passion and consistency. Learning new methods is not a quick fix. It’s a complete transition process which needs to be considered at all times.

These trainings and coaching does not assume that everyone will go in the same panel. The only one with the undying thirst for learning will not be held back, they will have an inclined and bright way to go and will always makes a positive change in the society in the long run.

A teacher shall always keep firing their bullets until the target is achieved