#lessons learned as a 2nd year phd student | Explore Tumblr Posts and Blogs

streamacademe · 5 years

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Week 106, Day 735.

My trip to Scotland was a success and I managed to collect some samples! But, I don’t want to talk about that this week. As my 3rd year has officially commenced, I would instead like to dedicate this post to lessons I’ve learned as a 2nd year PhD student and reiterate over my coping strategies. So, without further ado... 10 lessons I learned as a 2nd year PhD student:

Be prepared to face some dark times with your mental health - I won’t lie to you, it can, and probably will get pretty ugly. At times it will feel like the entire world is on your shoulders and you can’t breathe. I have had countless mental breakdowns this year, which usually involve bawling my eyes out and hyperventilating, before passing out from the exhaustion of it all, then coming around and crying again. Not fun. I have also suffered from insomnia, and, on the flip side, have had many days where I couldn’t get out of bed. I have included some coping strategies for set backs with mental health at the end of this post.

It will get hard and you’re going to want to quit - I’m sorry to be a bit of a downer, but it’s the truth. For me, giving up is not an option, but even I have had days where I’ve wanted to quit. It’s probably in the terms and conditions of a PhD to feel like this sometimes, but no one ever reads those. How you keep the love for your project glowing is for you to figure out. I always think of the finish line and of how far I’ve come. Or neck a glass of wine, that also helps...

Find a balance between feeling terrified and apathetic, and stupid and self-assured - PhD’s are terrifying, which I appreciate can be exhausting and can lead to feeling apathetic. However, apathy is both a blessing and a curse. It may make you feel calmer and more able, but it sure as hell won’t motivate you to try harder and do better. The same applies for feeling self-assured; yes, you’re clearly a clever bean for getting this far and you should acknowledge and celebrate that, but feeling stupid pushes us to seek knowledge, which is what science is all about.

Focus on genuine priorities - Procrastination/dedicating your time to non-essential tasks are your no.1 enemies. PhD’s are extremely unpredictable and you have to try and be ahead of the game or you risk falling too far behind. So make sure you know exactly what your priorities are and treat them as such.

To do lists and GANTT charts are life savers - On your worst days, refer to these to reorient yourself and stay on track. Make sure they’re always up to date, kept neat, and, most importantly, realistic.

Self-care is critical - And no, I don’t just mean bubble baths with scented candles every night, although those are definitely helpful. Self-care is looking after your mental, physical, and emotional well-being. Pushing yourself too hard can end really badly. Use me as an example, I pushed myself too hard physically and damaged my spine, which resulted in me taking a week off work. I won’t even mention the amount of mental health set backs I’ve had. So, do whatever it is that allows you to rest your bones, de-frazzles your mind, makes you happy, helps you feel better, and makes you feel like you can keep going.

You have to learn to say ‘no’ - This will probably be something you’re not used to or are comfortable doing, but I have learned from personal experience that this is literally the most important thing when it comes to looking after yourself and avoiding burnout.

Your personal growth is impossible to ignore - Who you are when you start your PhD is definitely not the person you will be at the end. You never stop learning and developing in a PhD, but like, at an accelerated rate. I find it fascinating looking back at my progress reports; something that may have felt impossible 6 months ago is now the norm.

Rely on your supervisors for help - THIS IS SO IMPORTANT. You DO NOT have to do everything alone. Ask questions, talk to them about your problems, seek their advice. And if they make you feel inferior, uncomfortable, stupid, or make themselves unavailable to you, contact your student support office/r, because a supervisor should NEVER do that. Furthermore, don’t be afraid to voice your opinions and stand your ground with your superiors, they are only human, just like you, and if you feel like they are misguiding or misunderstanding you, tell them. This is your PhD, not anybody else’s.

Remember that your PhD is your work not your life - As hard as that may be. That is all.

My ways of coping with the challenges of doing a PhD:

Spend time with animals and in nature - Honestly, if I had to choose just one bit of advice, it’d be this. Animals are the definition of joy, and being in nature always reminds me how beautiful the world can be, irrespective of how dark and rubbish mine may feel at times.

Sleep - Getting enough sleep makes my anxiety more manageable, my mood better, and means I have more energy to deal with what life has to throw at me. Don’t listen to how much sleep you “should” have, instead listen to your body and work with it. Personally, I aim for at least 8 hours a night.

Minimalism - I have mentioned minimalism many times on my blog. The benefits of this lifestyle are countless. With respect to my PhD, living with less allows me to have more room to breathe and think. It also means I spend more time on experiences instead of material things. Minimalism also allows me to live intentionally and aligns with my personal values. This in return means that I am more at peace with the life I lead outside of my PhD.

Save money - Not only do savings mean a sense of security, but having money set aside can be really helpful if you are in need of a getaway or simply want to treat yourself without getting into debt. Furthermore, as there is no guarantee of a job straight after your PhD, or if your funding runs out before you finish, it is essential to have some savings as a safety net to fall on if need be.

Read - I use books as a form of escape from reality, typically reading either before bed or in the morning before work. It helps take my mind off the stresses that clutter my brain.

Exercise, eat healthy, and drink plenty of water - I know you’ve heard it all before, but here it is again. It works.

Red Bull (as a last resort) - There are many things in life that have impacted my ability to focus this year, including long drives, bad news, sleepless nights, and mental health issues. However, life doesn’t stop when you want to and so when I’m really struggling I turn to Red Bull for help, and it really does help me. (I don’t drink coffee and tea doesn’t cut it). I always ensure not to drink more than one can a day or drink alcohol within the same 24 hours that I’ve drank Red Bull in.

How I try to cope with mental health set backs: Disclaimer: ‘Try’ is a critical word here as it is not always easy or straightforward to do the below, and, sadly, sometimes none of these suggestions work.

Talk about it - I HATE talking about my mental health issues to people as I don’t want to burden my friends, upset my family, or appear weak at work. However, there are times where I’ve had to, and it’s helped. I mainly talk to my boyfriend about it, but should probably see a therapist. Hey ho, small steps. If you really can’t talk about it, write about it, either publicly or privately.

Perspective - I have been watching a show called ‘New Amsterdam’ recently, which has really helped me see how insignificant some of my problems are. That’s not to say you’re not allowed to feel like crap just because you’re not having open heart surgery, of course you are, but trying to do things that change your perspective can be very helpful in coming out of a mental health episode. Geddit?

Give back - There is always someone having a worse time than you and nothing helps to snap you out of your pity party like lending a helping hand. Whether it’s volunteering at a homeless shelter, running a marathon for charity, or simply donating what you can to a cause you believe in. Give back.

Headspace - I’m sure you’ve heard of this app/website, if not, here it is. Personally, I don’t like Andy Puddicombes voice, or listening to a human in general, so I don’t use the platform for meditation, but they do have a great range of sleepcasts and sounds, which I use to combat my insomnia.

Calming medication (natural) - I use an essential oil aromatherapy roller ball to help me overcome an anxious episode or get me off to sleep. Personally, I use Tisserand for these. I also use Rescue Remedy drops for the same reason (these contain alcohol so aren’t for everyone).

Get the F off of social media for a while - Honestly, your phone isn’t an essential organ, take a break from it, see what wonders it can do for you.

Cut out toxic/negative people - Fill your life with wholesome people, get rid of anyone that makes your recovery impossible, or your life difficult. Be as harsh as you need to be, cry about it, drink about it, but do it, and don’t go back. Here’s a great song to support you through this.

That is all folks. It took me all day to write this, so I hope it’s at least somewhat helpful. ❤ Peace.

Photo: A photo of a sunset that made me feel better after an especially difficult day. Source: My camera.

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studyblxrr · 4 years

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Singapore Scholarship Interview Questions and Experience

Overview of scholars’ programmes and scholarships for which I went for interviews:

Scholars’ Programmes: 1. National University of Singapore (NUS): University Scholars’ Programme (USP) 2. National Technological University (NTU): CN Yang Scholars’ Programme

Scholarships: 1. Civil Aviation Authority of Singapore Local and Overseas Scholarships (CAAS) (2 rounds) 2. National Technological University: Nanyang Scholarship 3. National University of Singapore: NUS Merit Scholarship (2nd tier; 1st round)

This post has been long overdue but... After my GCE ‘A’ Level a couple years ago, I applied for a number of scholarships and scholars’ programme locally. However, when I was shortlisted for the interviews for these, I realised there were very few platforms on which they actually shared in-depth information about how the interviews are conducted so now that I’m kind of done with all my interviews, I’ve decided to compile everything I went through and share it with you guys. I was actually also just shortlisted for the MOH Healthcare Merit Award / Scholarship interview, but declined to attend it (so I’m sorry to those who were curious to know what the interview would be like) because I’ve decided to enrol into CN Yang Scholars’ Programme. I’ll give you a breakdown of the reasons why in a bit. All right, enough rambling, now it begins!

CAAS Scholarship Interview

Result: Not offered (honestly because I did ZERO preparation for the actual interview lol halp)

There were two rounds of interviews for this scholarship. The first involved something like a ‘roleplay’ where we discussed how we would solve a simulated issue. I passed this round. Honestly, just speak up and try to ‘put yourself out there’ more, so that the interviewer / observer can hear your opinions better and ‘get to know you’ more easily.

The second round of interview is way more formal, with a panel including about 4 management/executive-level guys. I’m pretty sure one of the Directors was there. Since I did not pass this round, I won’t share my answers back then, but I think the trick is to really read up on Singaporean current affairs beforehand, read some opinion pieces (maybe from the newspapers forums), and know about CAAS well!!

The Interview Questions:

1. Tell us about yourself. 2. What are some of your strengths and weaknesses? 3. What do you know about CAAS?

4. Do you think females should also partake in NS? --> I answered this question very poorly (I think), but the interviewer then told me that I could’ve said something like... ‘females also serve the country in different ways, such as in the public sector, in their daily contributions to the workforce and even taking care of their children and their families for the future...and military / NS is not the only way one can contribute to Singapore’s society’

I can’t really recall the rest of the questions, but good luck!

NUS USP Interview

Result: Offered Summary of benefits: Basically a programme that entails 2 years of compulsary on-campus living (NOT sponsored accommodation, but simply a requirement of the programme) that focuses on critical thinking skills and nurturing all-rounded thinking regardless of courses pursued; known to be pretty rigorous, involving classes even after ‘lesson hours’ and intensive writing; according to my seniors, this programme really trains your writing skills so it kind of helps in the long run, with writing theses and all that. pretty cool programme imo.

The Interview: this was a pretty chill, casual interview if i’m completely honest. there were 2 interviewers -- a prof of the programme and a USP alumni.

Q: Tell us about yourself, in terms of how your life has been and what got you interested in USP. A: Well, I’d like to think that I have led quite a unique life in that I spent the first 10 years of my life living in Malaysia. And because my entire childhood was spent there close to nature, it shaped my thinking such that I have a greater appreciation for more hands-on and experiential learning. So, even when I came to Singapore for primary education onwards, I was constantly seeking ways to achieve a more balanced, and exciting education path for myself. For instance, in secondary school, I tried my hand in community service, which made me realise my passion for people (etc. etc. etc.); and then in Junior College, I decided to pick up photography because I realised that I was lacking the more ‘artistic’ aspect of life. So I did that, alongside my original interest in community service, which I continued to pursue with my own self-initiated Fundraising projects. Why I’m interested in USP is because I realised that there are multiple tiers to it that allow me to be exposed to a wider variety of knowledge fields and skill sets, and also more abstract and humanities-focused courses even though I’m interested in joining a science course.

Q: You mentioned that you spent the first 10 years of your life in Malaysia, can you tell us more about what you think of the sense of rootedness you have towards Singapore vs Malaysia? A: (I’m assuming this is pretty specific towards my previous answer and probably none of you will be asked this as well so I’ll skip on what I replied; but I gave a pretty neutral answer, saying that I’m thankful towards M’sia for having shaped me as a child to think the way that I do today, and towards S’pore for the opportunities I have had to grow even more as a more mature person etc.)

Q: What was your community service project about and what did you learn from it? A: It was a fundraising project that aimed to raise funds so that the organisation we were working with would be able to continue to sustain its operations, and fulfil its aim of keeping all its programmes free of charge. Because I was the student leader of this project, I was in charge of coordinating recruitment, attendance as well as liaising with managements to host our fundraising events. So through these, I was able to learn how to communicate better with others and negotiate for better terms for my project. Because I was doing this along with exams, and another year-long tuition programme for less fortunate children, I also learnt to manage my stress and the importance of pacing myself so that I would not overwork and burn out.

Q: Speaking of non-profit organisations, what do you think of them in general? A: I feel like ultimately, non-profit organisations are still businesses that require a certain amount of profit and/or revenue to continue sustaining their operations. So, in the end it’s still a lot of communicating with other for-profit businesses to sell their efforts so that they would be sponsored, and so that others would be enticed to give back to the community by helping to sustain the non-profit organisations. My fundraising project was actually able to give me more insight into the behind-the-scenes of running a non-profit organisation, and we realised that even donations had to be audited and checked, and the staff still had to be paid. etc. etc. etc.

Q: What do you think sets you apart from your peers such that you will be able to excel under USP? A: I believe that I have the passion and the drive to keep up with the rigorous programmes and classes at USP. I am also very ambitious, so I will constantly strive to improve myself. Because I’ve always been very receptive to both the sciences and the humanities and have equal appreciation for both, I am also confident in understanding and adapting to the style of USP. I also think that because of my experiences, I will also be able to bring more unique ideas to the table as USP and contribute to more meaningful discussions.

NTU CN Yang Scholars’ Programme Interview

Result: Offered Summary of benefits: Includes the Nanyang Scholarship and guaranteed overseas final year research project (5 to 8 months), guaranteed overseas exchange for one semester, guaranteed four years of stay in NTU halls of residence, opportunities for research attachment from Year One onwards, opportunities to attend an international conference with full subsidy, opportunities to meet top leading scientists and academics, opportunities for PhD study at NTU or Joint PhD with partner university (Minimum CGPA of 4.00 for application of a scholarship from NTU)

The Interview: again, a pretty chill, pretty brief interview. there was only 1 interviewer.

Q: Tell me briefly about yourself. A: (summarised achievements + passions/interests)

Q: Do you intend to do a PhD after you graduate with a Bachelor’s Degree? A: Yes, because........ (just talk about furthering your passions and a PhD honing new skills...)

To be honest, the rest of the interview was mostly the interviewer explaining what the scholarship and scholars’ programme would entail. It was quite an easy breezy interview.

NTU Nanyang Scholarship Interview (under SCBE)

As my first-choice course was Chemical Engineering, naturally I had my Nanyang Scholarship interview under the School of Chemical and Biomedical Engineering (SCBE), with the Academic Chair and an administrative staff as the interviewers.

Result: Offered along with ADDITIONAL LEAD AWARD Summary of Nanyang Scholarship benefits: Full coverage of subsidised tuition fees (after Tuition Grant), Living allowance of S$6,500 per academic year, Accommodation allowance of up to S$2,000 per academic year (Applicable to scholarship holders who reside in NTU hostels only), Travel grant of S$5,000 for an overseas programme (one-off), Computer allowance of S$1,750 (one-off)

Summary of LEAD Award benefits: can expect up to SGD$6,000 reward in the form of one of the following four options: (1) $1,500 cash award per semester (max 4 semesters); or (2) Overseas Internship for 2 months at MIT or other world renowned overseas laboratories for research; or (3) Leadership development/ conference/ workshop; or (4) Overseas study trip

--> Trick: if you ever get such a top-up award, just opt for the cash grant as that’s the easiest to reap the full benefit. You’re better off sourcing for your own internships, as the MIT ones are not guaranteed to be available for your cohort, or there might be more administrative procedures for that.

The Interview:

Q: Tell me about yourself. A: (summarised achievements + passions/interests) -- you can talk a little bit about why you chose to study your course of choice

Q: Tell me more about your leadership positions in JC and secondary school. A: (again, summarise your achievements - phrase them in such a way that you end with a positive result that YOU helped to achieve)

More follow-up questions about past work experiences...honestly, just answer from your heart and be truthful. They don’t bite.

Afterwards, they pretty much just started telling me about the scholarship and how I can benefit from it. Following that, they offered me the LEAD Award top-up, which I did NOT see coming but was very flattered by.

NUS Merit Award Interview (under Faculty of Science, Pharmacy)

Result: Offered Merit Award (2nd tier) Summary of benefits: Tuition fees (after MOE Tuition Grant subsidy), S$6,000 annual living allowance, S$2,000 one-time computer allowance upon enrolment, Guaranteed an offer of a 1-semester Student Exchange Programme (SEP) with one of NUS’ overseas partner universities, Guaranteed offers of on-campus accommodation for the first 2 years of undergraduate studies, provided the Scholar submits a complete hostel admission application every year within the prescribed application periods, and fulfils NUS’s eligibility criteria for NUS on-campus accommodation.

The Interview:

I have to say that this was one of my worst interview experiences. The questions were pretty standard at first, asking about (again) yourself, your past experiences, why you chose your course of study. But after a while it took a dark turn. So, by this point I’d already been accepted into the Pharmacy course, so I was merely interviewing for the scholarship and NOT the course. Yet, the interviewer (one of 3 in the panel) started to bombard me with questions about why I got a B in A Level Chemistry (FYI: I had all A’s and a B in H2 Chem), what went wrong (his words, not mine), why I deserved to be given a scholarship IN SPITE OF THE ‘B’, what I will do to overcome this stupid shortcoming...... blah blah blah EXTREMELY TERRIBLE AND ELITIST INTERVIEWER.

But again, that was my experience. I could’ve just gotten a really mean interviewer. Just go in with an open mind. But I left the interview feeling really looked down on and...shamed. Which is sad because now that I am way past that, I wish I had gone back in and told him that grades are not what make a person.

And with that, we have come to the end of this reeeeeeally long (and overdue) post.

If any of you guys have anything to ask me about scholarships / scholarship application processes in Singapore, feel free hit me up in the ask box! :) Hehe.

Oh, and if you were curious, I accepted the C N Yang Scholarship + Nanyang Scholarship (with SCBE LEAD Award) in the end. If you would like me to talk more about how I am finding NTU life, how each Scholars’ Programme works, how I am benefitting from my scholarship, and so on, do ask away! (https://studyblxrr.tumblr.com/ask)

PS. For those of you who might be curious, my profile of entry was A’s in H2 Biology, H2 Math, H2 Econs, GP, PW and a B in H2 Chemistry. I was originally from the Raffles IP programme, with experiences in a fundraising CIP project and a year-long tutoring volunteer programme as ‘extra-curricular highlights’.

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herphdjourney-blog · 5 years

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What is “Inclusion”?

That question was the focus of this year’s Gender and Diversity in Organizations (GDO) Plenary at the Academy of Management (AoM).

Modupe Akinola, PhD, an Associate Professor of Management at Columbia Business School, said inclusion is: “Feeling like I can be myself and people are curious about my story.” Further, that “inclusion” is when people are not just curious about her identity but also about WHO she is and WHAT makes her who she is.

Derek R. Avery, PhD, the David C. Darnell Presidential Chair in Principled Leadership at Wake Forest University, said that inclusion is “when you can be exactly who you are and it’s OK.”

Other scholars shared insights on inclusion that I’ll touch on in future posts. I recorded the session so that I could cite them in my future work!

But first...under Modupe and Derek’s conceptualization of “inclusion,” let me introduce myself:

My identity:

I am an Afro-Latina, PhD student in organizational behavior, executive/life coach, entrepreneur, dancer, licensed Zumba instructor, traveler, and survivor. I’m from NYC and the daughter of 2 Central American immigrants.

WHO am I?

Hi! My name is Samantha and I am proudly multidimensional.

WHAT makes me who I am?

All of my life experiences these past 43 years.

Yes, I’m 43.

I started my PhD Journey at the age of 41 after 20 years of progressively advancing in nonprofit organizations doing fundraising and communications work on behalf of causes that I care about.

...after 10 years of teaching and performing Latin dance on stages around the world.

...after 2 bachelors degrees and 2 masters degrees.

...after several heartbreaks.

...after 2 near-death experiences.

...and after lots of world travel, including many visits to Costa Rica, where my mother is from, and Panama, where my father was from. He passed away but he was pretty awful during his lifetime (that’s a story for another post). My father’s awfulness & other grown men’s awfulness during my childhood led me to pursue the academic and professional experiences that shaped who I am today.

MY EDUCATION:

My undergraduate degrees are in Psychology and Women’s Studies. My 1st master's degree—was in Women’s History, which I earned in 2 years while working full-time. My 2nd master's degree was in Nonprofit Management. I earned that in 2.5 years while working full-time in an extremely demanding role. Toxic work environments led me to pursue training and certification in life/executive coaching. Now, I am pursuing a PhD in Organizational Behavior.

MY WORK:

I started working at nonprofit organizations during my undergraduate years. Besides the Help Center on my campus, where I volunteered for 3 years, my first off-campus job was an internship at a domestic violence shelter.

Immediately after college, I worked at a civil rights organization, a homeless shelter for women, and a reproductive health clinic.

I worked at feminist organizations for a while but although they espoused diversity values, their lack of a racial analysis or an intersectionality framework in practice is what led me to move on to racial/social/reproductive justice organizations.

My experiences advancing in those organizations is what led me to explore what “leadership” looked and felt like via additional education, workshops, books, blogs, conferences, etc.

Now--I am specifically interested in how people can thrive, not only survive, and I’m both fascinated and saddened by toxic workplaces...as well as by Jeffrey Pfeffer’s book, Dying For a Paycheck.

I study whiteness--not as a skin color but as a phenomenon of power and dominance. I also study thriving/flourishing, allyship, women’s leadership, courage/fragility, rage, love, intersectionality, CEOs, nonprofits, and philanthropy.

MY PASSION:

I have been dancing all of my life. As a kid, I also did gymnastics and cheerleading.

After graduating from undergrad, I also started dancing, teaching, and performing Latin dance around the world. I did that for 10 years until injuries and my intellectual curiosities channeled my attention back to nonprofit organizations and to my first master's degree.

MY DEFINING MOMENTS:

I had my 1st health scare in 2012: blood clots had traveled to both of my lungs from my left leg (a “pulmonary embolism”) but I had NO CLUE that was happening. All I knew was that it felt as though I was having a heart attack. I was hospitalized for a week but then put on blood thinners + watched over by doctors (and my guardian angels) for several years.

That was my 1st wake-up call.

I had been dancing all of my life but stopped and let the “work grind” take over my life. I had been relatively healthy all of my life, so I took my health/wellness/life/blood circulation for granted. My spirit and all of the cells in my body rebelled against me.

After that experience, I was so freaked out that I might die at any moment that I decided to pursue things on my bucket list, including more education and world travels...especially solo world travels, which freaked my doctors AND my Madrina (“godmother” in Spanish) out.

I had my 2nd health scare last year during the 1st year of my PhD Journey...a 2nd pulmonary embolism. You would have thought I had learned my lesson about the pitfalls of sedentary work life the 1st time around, right? 🤦🏽‍♀️ Now I am on blood thinners in perpetuity and more concerned about LIVING (literally staying alive) than I am meeting others’ conceptualizations of “success” in this “publish or perish” academic culture.

I bring all of the above into my PhD Journey, which is why so many of my social media posts are about wellness, self-care, and a #FitPhDJourney.

It’s not that I don’t “grind.” Folks only see the moments when I take a break to capture my life. Not when I’m interviewing research participants for my qualifying paper, analyzing data for my research fellowship, writing papers under huge looming deadlines, coaching clients, working on consulting projects, or laying on my couch depressed and unable to leave my apartment for entire weekends (yes, even coaches are HUMAN).

How do I deal with the stress of this PhD journey?

I try to find moments of peace, joy, and community. Those moments look different for all of us but for me, dance, travel, and adventures have always been my go-to stress relievers. And, since I recently decided to become a licensed Zumba instructor as an act of survival, I also post a lot about Zumba. 💃🏽 I’m aware that my mere existence in this world is resistance to what Max Weber described as the “iron cage” and what Barker & Thompkins described as “concertive control.”

So, circling back to the question of “What is Inclusion?” as I wrap up this very long post...

If we agree with Modupe and Derek’s definition of inclusion (and we should...BUT I will also share other scholars’ insights on other elements of “inclusion” in future posts, which may resonate in other ways with you), then I have questions for you:

Taking intersectionality into account when understanding the multidimensional nature of oppression, what are the implications for mentoring [PhD] students who have various racial, ethnic, gender, family, nationality, professional, academic, and life experiences?

How do we support [PhD] students in their various journeys in ways that challenge them and prepare them for the future THEY want without putting them in the aforementioned “iron cage” of “concertive control”?

If culture and socialization work as unconscious filters shaping our perceptions, how do you engage in reflexivity and mentor people who may or may not look like you...and may or may not want to BE like you “when they grow up” even though you’re amazing?

More to come on “inclusion” in future posts…

xoxo, Samantha

#PhDJourney PhDStudent PhDGrind AfroLatina SurvivingVsThriving Transitions

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singapore-tuition-blog · 4 years

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History private tutor jobs and assignments

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mimsoft-blog · 5 years

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Amazing Entrepreneur | Syed Azhar Rizvi

Azhar Rizvi is a multifaceted seasoned professional who is an entrepreneur evangelist, business advisor, career mentor, social missionary, and an author & Amazing Entrepreneur. He has devoted his life to helping people and organizations innovate smartly and achieve high growth targets. After working for years in the industry, Azhar Rizvi holds a goldmine of knowledge to offer expert-level advice as a business management consultant and a career advisor. The expert career mentor has been involved in developing individuals since he started off his career. Until now, he has mentored close to 15,000 students, researchers, and faculty from 65 Universities and 450+ companies from various industries. Like many great motivational speakers, Azhar Rizvi has also been serving as the North Star to assist people in finding the right track of their lives; he has restructured many careers and helped people find their undiscovered talents

An Entrepreneurship Evangelist

In 2007, Azhar embarked on a journey to promote entrepreneurship in Pakistan. He helped the MIT Alumni of Pakistan set up the MIT Enterprise Forum Chapter in Pakistan. Together the team designed a 6-month extensive Business Acceleration program and launched the Business Challenge Cup open to all comers. Since its launch, the initiative has put on the map more than 450 enterprises. These enterprises collectively employ 4000+people and have estimated revenues of USD 500M.

In 2010, he joined hands with IBA Karachi and NUST Islamabad to launch a similar 5-months intensive program. The programs, branded IBA- Invent Annual Business Plan Competition and NUST Discover -Annual, Prime Minister Entrepreneurial Challenge Program, have led to separate student-competitions. These two platforms have become an ecosystem enabler. They have also allowed Azhar to help 10,000+ student teams, faculty, start-ups, and mid-size organizations in developing their business plans, growth strategies and launching successful ventures.

Azhar has also served Higher Education Commission of Pakistan HEC as a consultant to establish Offices of Research Innovation and Commercialization (ORICs) and Business Incubation Centers (BICs) and assisted in developing their operational framework, policies, and manuals. He has also trained their program directors and managers, all PhDs in various disciplines from technology, agriculture sector, and pure sciences, in developing a research program in areas of local needs and national importance and on building an entrepreneurial ecosystem in their respective cities.

An Entrepreneur

In 1999, Azhar set up the first venture which grew from 2 to 42 persons in a short span of 18 months. The venture failed during the 2001 dotcom crash. Using lessons learned, he set up another company,which by 2002 had become the biggest Pakistan’s BPO in the tech sector of the country. The 1,500+ person company served 200 cities to large banking networks in 800 cities, town, and villages, and also provided specialized applications development and deployment services for major organizations like HBL, UBL, Emirates Bank, and Several other leading Organizations etc.

A Strategy Consultant

Azhar started his career as a Sales Executive marketing IT services from leading firms NCR, AT&T and Unisys. He rose to Director Sales & Products within a short span of 10 years. During these years, he built relationships leading to a portfolio with major multimillion dollar accounts like PTCL, GHQ, Habib Bank, UBL, ABL, Federal Ministry of Finance, ABN Amro, Standard Chartered Bank, MSD, and BASF among others.

Azhar has brought that same zeal, excel, and ability to identify opportunities to other companies, too. He has helped more than 450+ firms redefine business strategy to scale up operations, from a few hundred thousand to multi-million dollars’ global operations.

A Missionary

Azhar has recently embarked on the mission to promote entrepreneurship in the agriculture sector, especially in rural areas. Azhar firmly believes that this sector, with properly trained human resources coupled with appropriate funding, can double the GDP in a few years. As a first step, he, in February 2018, joined hands with Sindh Board of Investment (SBI) and its subsidiary SEDF to launch an Agri-Entrepreneurship program at Sindh Agriculture University (SAU), Tandojam. The intense four-month program has so far trained 250 youth, and as a result, 5 teams have been shortlisted for full-time incubation for 12 months at the SAU’s newly established incubation center.

A Historian

Azhar has authored the book, “Entrepreneuring Pakistan- 27 stories of struggle, failure, and success”. The book celebrates the triumphs and highlights the challenges of 27 mentee organizations, who have achieved success. These companies in the technology, social, research and education sectors have broken the barriers and achieved exponential 10X+ growth per annum.

He is currently working on his next book focused on the struggle and successes of women entrepreneurs of Pakistan.

A Philanthropist:

Azhar also pays an active part in philanthropic and social circles. He is very active in Rotary Pakistan for the past 22 years. As part of Rotary, he has implemented several key initiatives in the healthcare which included the end-to-end automation of largest 2500-beds hospital with latest open source software, cutting-edge hardware, and HIPA HL7 Compliant,Civil Hospital Karachi in 2009.

He also led the tech team which established 14 Telemedicine Centers during 2005 massive earthquake in KPK and Azad Kashmir in collaboration with Pakistan Army, P@SHA, Intel Pakistan, InMar Sat, MOIT Pakistan and Rawalpindi Hospital.

The 2nd project during another critical juncture was to bring organizations specializing in software for disaster relief management. Sahana Foundation is one such organization which was brought in to interact with PITB of Punjab Government and Sindh Government Disaster Relief Management during the floods of 2010.

Education for disadvantaged and special kids is an area of special interest to Azhar. He was instrumental in setting up five cutting-edge technology setup using DAISY Labs at PAFF Institute, Al-Mukhtoom Centers for vision-impaired people, Islamabad, Aziz Jan Trust Center for the disabled at Lahore, Al Faisal Center for the blind, Faisalabad and Ida Rieu Center at Karachi. All of the centers are now producing digital taking books which enable the kids to interact with these books with the help of computers and special daisy leaders. The project was launched from Rotary Pakistan and P@SHA platforms. Nippon Foundation was the main donor and NAB, Delhi, India was the lead technical partners for this project.

A project which Azhar says that has given him great satisfaction was developing and implementing an Inmate Management System at the Karachi Central Jail in 2007. The project was developed on the request of Legal Aid Office (LAO), an NGO headed by Honorable Former Chief Justice of Pakistan CJP (R) Nasir Aslam Zahid. Prior to the IMS system, there were close to 1500 women and kids at the facility of 150 only. A major reason was an obsolete manual system which was hampering record management and the follow up of their cases. Once the system was implemented in 2 months record time, Honorable Justice Zahid and his team of 40 strong female advocates managed to get over 1340 inmates justice and send back to their home in a short span of one year.

Watch Azhar Rizvi Interview:

Kanwal Masroor, Chairman, TECH taking interview of Mr. Azhar Rizvi, Co-Founder MITEF Pakistan

#entrepreneur #Business Consultant #career coach #Mentor #motivational speaker #strategy consultant

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besttutorsingapore · 4 years

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Social Studies private tutors needed

New Social Studies assignments and tuition jobs today https://besttutor.org/new-tuition-assignments TUITION BUDGET RANGE Best Tutor’s tuition assignments suit all budgets, across Singapore. Hourly tutor rates for different subjects and levels are from $30 (experienced undergraduates) to $95 (current/former MOE teachers). We have new assignments every day near your home. HOW OFTEN ARE THE TUITION LESSONS? Tuition sessions are needed weekly or twice a week, and they are tailored to suit the dynamic learning needs of our students. QUALIFICATIONS OF TUTORS Best Tutor has tutors ranging from current teachers at MOE schools, experienced university undergraduates, university lecturers, to PhD-holders. SOCIAL STUDIES TUTOR PROFILE Ms JH has 7 years of Social Studies tutoring experience. She graduated from NUS, majoring in Sociology (2nd Upper Class Honours). MOE’S OBJECTIVES FOR TEACHING SOCIAL STUDIES. THE MOE-SEAB STATES: “Candidates should be able to: • analyse and evaluate evidence • compare and contrast different views • distinguish between fact, opinion and judgement” Just let us know your teaching experience in Social Studies – and your expectations. We will recommend a good match for you – within your requirements. Please register at our website with information on your tutoring experience, preferred location, hourly rate and mobile number. We look forward to having you on board! List of today’s tuition teacher jobs: https://besttutor.org/tutors-needed Matching you with parents who are actively seeking tutors like you: https://besttutor.org/best-home-tuition-agency Reviews about parents and students by tutors: https://besttutor.org/committed-tutors

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effectivetuition · 4 years

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Science private tutors. Proven grade improvements

Newest list of experienced tutors https://effectivetuition.org/latest-tutor-profiles Hire Singapore’s best tuition teachers https://effectivetuition.org/fastest-tutor-matching MOE’S DESCRIPTION OF SCIENCE EXAM COMPONENTS “Learning Outcomes: Candidates should be able to: (a) describe the moment of a force in terms of its turning effect and relate this to everyday examples (b) recall and apply the relationship moment of a force (or torque) = force × perpendicular distance from the pivot to new situations or to solve related problems” ARE YOU LEARNING SMART? Our private tutors will teach you how to, during home tuition. In school, you are not able to choose who you want, to be your teacher. At home, you have the freedom to select from the widest options of highly experienced, patient, accomplished and committed tutors for private tuition. FAST AND RELIABLE TUTOR MATCHING Effective Tuition has 20,000 experienced tutors in our team Our 13 years of tutor matching experience ensures that we know what works when we interview and shortlist tutors for you. AFFORDABLE TUITION RATES Our tutors are current/former school/JC teachers, university/polytechnic lecturers, university graduates, and experienced university students. Their rates range from $30/hr (experienced undergraduates) to $120/hr (MOE teachers from top schools and JCs/PhD tutors). The tuition matching service is FREE. You pay only for lessons conducted. If you do not like your tutor, we will find a new one right away. No long-term contracts, no agent fees. SCIENCE TUTOR PROFILE Ms EY has 9 years of Science tutoring experience. She has been teaching at Singapore’s leading tuition centre for 3 years and is also a private tutor. Ms EY has a Master’s from NTU, in Chemistry. Her Bachelor’s was from NTU in Biochemical Engineering (2nd Upper Honours). Ms EY’s home tuition students attended Unity Primary School, Montfort Junior School, St Joseph’s Institution Junior, Clementi Town Secondary School, Dunman High School, and Methodist Girls’ School (Secondary). Singapore’s top Science tutoring team – we have the list. Qualified and reliable Science tutors: https://effectivetuition.org

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populartutors · 4 years

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Reliable Physics tuition, since 2007

Parent reviews and success stories are at: https://popular-tutors.com/dependable-tutors GET AN A FOR PHYSICS Popular Tutors has 37,000 of Singapore’s best tutors. Your professional tutor will teach you how to avoid the deadly mistakes that cause the difference between getting an A or Fail grade. In 2019, our effective tutors helped over 3,000 students – at primary/secondary school and at junior college levels – score distinctions in their exams. The grades of over 1,200 students improved from borderline/fail to strong B’s. MOE EXAM REQUIREMENTS FOR PHYSICS The MOE states: “Learning Outcomes Candidates should be able to: (a) calculate the efficiency of an energy conversion using the formula efficiency = energy converted to useful output/total energy input (b) recall and apply the relationship work done = force × distance moved in the direction of the force to new situations or to solve related problems” EXPERT TUTORS Our team includes current and former MOE teachers (about 20% of our team), experienced university undergraduates and graduate full-time tutors (about 60% of our team) and post-graduate tutors with Master’s and PhDs (about 20% of our team). And they have Singapore’s best track record of successful grade improvements. SINGAPORE’S NUMBER ONE TUITION AGENCY Students are typically able to achieve between 1 to 3 grade improvements after an average of 2 semesters of tuition with our tutors. PHYSICS PRIVATE TUTOR PROFILE Mr TW has 9 years of Physics tutoring experience. He has a Master’s in Physics from NUS, and a Bachelor’s in Mechanical Engineering from NUS (2nd Upper Honours). Mr TW’s private tuition students attended Cedar Girls’ Secondary School, Bendemeer Secondary School, Coral Secondary School, Anglo-Chinese Junior College, Raffles Institution, and Jurong Pioneer Junior College. HIRE YOUR IDEAL TUTOR NOW Lessons can begin once you have selected your tutor. Choose from over 37,000 of Singapore’s most experienced Physics tutors: https://popular-tutors.com/physics-tutors Tutors with proven track records to help your grades improve quickly: https://popular-tutors.com

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englishzeal · 5 years

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|| Speak English Better with Natives | ESL Course || || تحدث اللغة الإنجليزية بشكل أفضل || What you will learn ما سوف تتعلمه — Understand native English speakers who speak fast. — Express yourself when you forget (or don't know) vocabulary. — Learn idioms and phrasal verbs in real time. — Say and understand numbers easily. — Spell Names, Emails, and order numbers correctly the first time. — Use slang for greetings. BONUS #1 — Know what to say in stores while shopping. BONUS #2 فهم الناطقين باللغة الإنجليزية الذين يتحدثون بسرعة — عبر عن نفسك عندما تنسى (أو لا تعرف) المفردات — تعلم التعابير وأشباه الجمل الفعلية في الحاضر — تعلم نطق وفهم الأرقام بسهولة — تهجئة الأسماء ورسائل البريد الإلكتروني وأرقام الطلب بشكل صحيح في المرة الأولى — استخدام تعابير عامية للتحية. مكافأة # 1 — اعرف ماذا تقول في المتاجر أثناء التسوق. مكافأة # 2 — Requierement المتطلبات To have the best results in this course, students should speak English at an intermediate level. للحصول على أفضل النتائج في هذه الدورة ، يجب على الطلاب التحدث باللغة الإنجليزية على مستوى متوسط Description of the course وصف محتوى الدرس When my ESL / EFL English students travel abroad, one of the first things they tell me is, “natives speak really fast.” I developed this course to help them and you solve this problem in real time, as well as 4 other difficult and frequent situations my ESL / EFL students have when speaking English to natives and abroad. If you are an intermediate English speaker (or higher), these 5 Solutions will help you speak better English now, by teaching you how to solve communication problems in real time so that you are successful in your conversations with natives and abroad, or other day to day interactions by telephone and video conferences. Solution 1 helps you to understand natives that speak fast. Solution 2 teaches how to express yourself when you forget or don't know vocabulary. (This always happens speaking a 2nd or 3rd language.) Natives use phrasal verbs and idioms all the time. You can memorize hundreds, even thousands, of phrasal verbs and idioms, or use Solution 3 to learn them in real time. Solution 4 is the answer to most people's problems with numbers. And I’ve included Solution 5 to make sure you get your hotel reservations, emails, and order numbers done correctly the first time. These 5 Solutions have helped my ESL / EFL English students many many times. (And they have saved me tons of times too in my second and third languages - Spanish and Portuguese.) That’s why I developed this dynamic course. Plus, there are 2 extra lessons so you can sound like a native when you meet new people and go shopping. Click the “Enroll in this lesson for free” button below and use these 5 Solutions to improve your fluency with natives and abroad! عندما يسافر طلاب اللغة الإنجليزية إلى الخارج ، فإن أول ما يخبرونني به هو "يتحدث المواطنون بسرعة كبيرة". لقد قمت بتطوير هذه الدورة التدريبية لمساعدتهم ويمكنك حل هذه المشكلة في الوقت الحقيقي ، بالإضافة إلى 4 صعوبات أخرى و مواقف متكررة لدى طلاب اللغة الإنجليزية كلغة ثانية / اللغة الإنجليزية كلغة أجنبية عند التحدث باللغة الإنجليزية مع السكان الأصليين والخارج. إذا كنت متحدثًا متوسطًا للغة الإنجليزية (أو ذو مستوى جيد) ، فستساعدك هذه الحلول الخمسة على التحدث باللغة الإنجليزية بشكل أفضل الآن ، من خلال تعليمك كيفية حل مشكلات الاتصال في الوقت الفعلي حتى تكون ناجحًا في محادثاتك مع السكان الأصليين وفي الخارج ، أو في أي يوم آخر إلى التفاعلات اليومية المباشرة او عن طريق الهاتف الحل الاول يساعدك على فهم السكان الأصليين الذين يتحدثون بسرعة الحل الثاني يعلم كيفية التعبير عن نفسك عندما تنسى أو لا تعرف المفردات. يحدث هذا دائمًا عند التحدث بلغة ثانية أو ثالثة يستخدم السكان الأصليون أشباه الجمل والتعابير في كل وقت. و بواسطة الحل الثالث يمكنك حفظ مئات ، بل الآلاف ، من الأفعال والتعابير الفعلية ، أو استخدام لتعلمها في الوقت الفعلي الحل الرابع هو الحل لمشاكل معظم الناس مع الأرقام لقد أدرجت الحل الخامس للتأكد من حصولك على حجوزات الفنادق ورسائل البريد الإلكتروني وأرقام الطلبات بشكل صحيح في المرة الأولى بالإضافة إلى ذلك ، هناك درسان إضافيان حتى تتمكن من أن تبدو مثل الأم عندما تقابل أشخاص جدد وتذهب للتسوق Who this course is for لمن هذا الدرس This course is for intermediate English as a Second Language Students. هذه الدورة مخصصة لطلاب اللغة الإنجليزية المتوسطة كطلاب لغة ثانية About the instructor Joshua - American English Teacher English Teacher and Author life’s circumstances have given him the opportunity to live in 12 different countries in Central and South America since the year 2000. Although he has lived and taught English in Brazil for the last 15 years very successfully, helping hundreds of private students (and now thousands online) achieve very satisfactory results in their fluency, things weren’t always so easy for Joshua living in foreign countries. There were times that he was made fun of by adults and even kids (humiliating) because of his lack of fluency in Spanish and Portuguese. And even though he was living in Spanish speaking countries the first 3 years and attending different Spanish schools, no matter what he did, he was still was a basic Spanish speaker with a low level of vocabulary and fluency. It took him years to learn his first 1000 words of vocabulary. Consequently, he could only connect with people on a very superficial level when he bought something. Otherwise nobody had the time to speak to him. He never had a real conversation with a native during this time. And to be totally honest, that’s all he really wanted: just to have a natural conversation with a native, to make friends. Let’s fast forward to the good news. Joshua did eventually achieve his desired level of fluency in Spanish and Portuguese. And yes he was able to make friends and even find love, his Brazilian wife, as well as a rewarding career helping other people learn English the most efficient and effective way. There were 3 fundamental pillars that helped Joshua finally achieve success with these languages. And although the order in which he now teaches his students (and that are listed below) is different than the way he discovered and learned them, what’s most important is that he discovered them and the superior results his students enjoy. 1. What cognates are and how to exploit them. Learned from Ruben Moran the leading specialist in the world on this subject with more than 20 years of research in the area. 2. Memorization techniques and the most frequently used words. Learned from Anthony Metivier PhD. one of the leading specialists in the world in his respected area. 3. Spontaneous conversation to develop fluency and verb tenses. Learned from a widow in Venezuela whom he lived with while attending Spanish school and his mother-in-law. He has great respect, he is very thankful, and he is good friends with all of the aforementioned. Finally, Joshua is a firm believer that the best teachers teach us how to teach ourselves, which he does in all of his courses. Enjoy Zealots!

http://www.englishzeal.com/2019/10/speak-english-better-with-natives-esl-course.html

#SEO #Local SEO training

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lovenerdywinnerbouquetfan-blog · 6 years

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Clara Mississippi Cheap car insurance quotes zip 39324

"Clara Mississippi Cheap car insurance quotes zip 39324

Clara Mississippi Cheap car insurance quotes zip 39324

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Who gives the cheapest car insurance?!

Should I drop collision from my auto insurance this renewal?

I have a ten year old Honda Civic, just over 40,000 miles, has a crack in the driver's side rear bumper that I ignore. I have an excellent driving record, no points, am the only driver, am at that age where I'm not young enough or old enough to be considered a threat, but I live in a high rate state and money is more than tight and they just shot my house insurance through the roof, even though I never put in a claim, because, get this, there is a chance that someday we may have a hurricane! Am I being pennywise and pound foolish, or am I paying for something that won't pay off even if I need it? Thank you!""

Is a 2000 Mustang GT expensive to insure?

I'm 16 and looking for a first car. I have my heart set on a certain mustang but the only thing is insurance cost. Its a 2000 GT and im going to be insured with state farm. Im 16 getting my license in 2 weeks so I know thats a big factor. Also I was trying to get some ideas about what it might cost and found this on the state farm website. http://www.statefarm.com/insurance/auto_insurance/veh_rating/ford.asp Not sure if its relevant but if it is than can someone explain what it means?

Auto insurance question in Michigan?

i am making monthly payments on a brand new 2008 colbot that i got in dec 2007. I have shopped around for cheaper full coverage auto insurance, that what i already have. I can't seem to find no car insurance cheaper than what i have. My car insurance is more than my car payment. I have talked to a few insurance companies and we went over different things that could make it cheaper. But, they can't beat the price that i already have. My credit isn't the best, but shouldn't a car payment be more than insurance? Anyone have any ideas where and how i could get a cheaper car insurance policy?""

Getting out of a speeding ticket for insurance purposes?

Is there a way I can get out of a speeding/failure to meet at a stop sign ticket? I really don't care about paying the ticket or court costs at all, but I just can not, really, really, can not pay the extra insurance money. I am paying out of state tuition AND I am in Architecture. Architecture is SUCH an expensive major. The police officer (whose name I can't even read on the ticket because it is just a scribble) gave me a ticket for speeding and failure to stop at a stop sign. I have always been a great driver, I never speed, I always stop at stop signs, I don't drink/text/talk over the phone and drive, I always have my seatbelt on. This one time I absolutely needed to get home at 2am I decide to go a little faster and yup, of course I get a ticket. I don't want to lie, I was doing 36 on a 20 zone at the time, I admit it even though I honestly did not realize I was going at 36 I didn't' do it on purpose. I didn't think hey I'm just gonna go faster because no one is around , I really honestly did not notice I was going at 36. But I am not sure about the stop sign thing. Honestly I was not paying much attention because I drive through this stop sign everyday but I distinctly remember there was a car already at the stop sign coming from the left so I HAD to stop. There was absolutely no one else coming from any of the four sides, so I might have not stopped completely but I did slow down almost to a stop and then kept going. Then like I said I was going at 36 on a 20 zone. This was at 2 a clock in the morning when there was literally not a soul around. The police officer was practically hiding in a dark, empty parking lot and came out of no where. I really don't want to make excuses for myself. I know what I did was wrong and I'll admit it. But this is my first ticket, and I really don't want t have to pay so much more money on my insurance for a slip as small as this one. My boyfriend was with mi in the car if that means anything. I really don't know, I've never had a ticket before. I've been reading up on how to get out of a ticket, and a lot of people say it is good to talk to the officer, and I thought about doing it but the officer's name is not readable at all. He also completely misspelled my name. In Puerto Rico we use both my father's and mother's last names so I have two last names. Let's say my name is X, my father's last name is Y and my mother's is Z. In Puerto Rico it goes like X Y Z and since my license is from Puerto Rico that is how it is written in my license. But the police officer wrote X Z. So my name is wrong in the ticket. I don't know if that counts for anything, someone told me that if they misspell my name or the officer's it means the ticket is dropped. This seems unlikely but hey, like I said I really have no clue. Again, I don't want to make excuses for myself, but I just can't afford extra insurance costs. I just cant...""

How much will Insurance Be ????;?

Ok I'm 22 and I'm looking for a car, It's between a: 2009 BMW X5 2009 BMW 328i 2009 Mercedes C250 2009 Jeep Wrangler Rubicon 2008 Audi A4 2008 Toyota Tundra 2007 ...show more""

Do teens need insurance when they are issued their learner's permit?

And if so what is the cheapest, most discounted method to get insurance?""

How much on average is car insurance for young drivers in florida?

i'm a 20 yr old female just trying to budget to figure out how much i need to save for when I get my car. I plan on spending about 2000$ on a used car, but am trying to add in the price of tags, tax, insurance all those up front prices so I figure out how much i need to save up and how many hours i absolutely need to have per week. So, just a rough estimate like $100...$150...something like that. Don't feel like doing price check to price check online with the quotes since I have no clue on the car yet..don't want it to be anything under maybe a '95""

Insurance? Renting a car?

Hi, this is my first time renting a car. I reserved a car from Enterprise to be picked up at the airport this Thursday. It's like $15 a day. I owned a car in the past and, of course, had car insurance. Now, I don't have a car. When I pick up the car at Enterprise, what should I do with the insurance? I don't think you can drive a car without insurance, right? How much does it cost?""

About how much will basic insurance cost for a 30 year old male once the new Insurance system is in place?

right now I can't afford insurance but will be required to buy it anyway starting in 2014, I am curious as to how much it will be. As I understand it, it will be basically figured at three different levels of service and three different rates depending on your age and the coverage you want. so for a 30 year old male who wants basic coverage how much would I expect to pay? just ball park. like $200 to $300 per month? more then that less then that? this question has been deleted over and over again I don't understand why.""

Really high auto insurance rate question?

My son, who just turned 18, has a pretty extensive traffic record. Firstly he got a ticket for passing in a no passing, but he went on diversion and was clean for more than a year so is that off his record now? Secondly he has also been in 2 wrecks before, gotten arrested for possession of marijuana, and just today got a speeding ticket for going 63 in a 45(163 dollar ticket). currently the insurance for him is 190 a month which is five times higher than anybody in the family. So what should i expect the insurance to be now, and what are my options because this is a lot of money.""

How much do doctors visits cost without insurance?

I am writing an argumentative essay about the health care system in the United States of America, and I would like to know that the prices, without insurance of: A doctor visit: Any specialists: Eye Doctor: Dentist: Orthodontist: Or any doctor you can think of. Remember: no insurance.""

Where can I find affordable medical insurance as a self employed person?

I am a self employed person so I don't have medical benefits like you would if you work for a company. I am paying well over $600 a month for medical insurance coverage as a business owner. Does anyone know of a program or something that offers cheaper insurance to business owners?

How much is insurance for a 16 year old girl with good grades?

Im 16 years old and wanting to get my licence. I have about a 3.4 GPA. And im not going to take drivers ed. I am going to share a car with my parents as well.They have really good credit. With geico. How much will it cost a month?

Decent car that's cheap to buy and insure?

Hi so I'm looking at buying a car. Right now I only have around 3,000. I would rather just get a cheaper car now but if nots possible I can wait until I have 5,000. Okay so I know I'm not going to be buying a Ferrari for my budget but I'm looking for some ideas of cars that are inexpensive to buy, inexpensive to insure and one I won't get laughed at for driving. The oldest year I would go is a 1999.leave your ideas. Thanks""

Should I still be paying full car insurance ?

Hi, my car was recently in an accident that was the third party's fault but my claim is still ongoing. My car has been written off and is in the third party's salvage yard. As ...show more""

Do I need auto insurance if I don't have a car or plan on driving?

I want to get my license because it is something that I need to get out of the way now. I don't have a car or plan on driving until I can even afford auto insurance but this summer is the only time I have free to get my license. I'm 20 and in college.

Car insurance or is it?

My truck was broke into a couple of hours ago and my pistol was stolen. i called the insurance (farmers) and they said the gun isn't covered by car insurance, it's only covered by homeowners insurance, and no my truck was not at my house. does this sound right to anybody? i don't understand what full coverage means if they don't fully cover everything.""

Cheapest car insurance in uk?

Any affordable health insurance options for a 65 years old thats not eligible for Medicare?

My in laws are 65 years old and just moved to the US (legally!). Because they are not US Citizens yet, and it will take 5 to 6 years for that to happen, they do not qualify for Medicare. So my question is, is there any affordable option to get healthcare coverage for someone who is over 65 yrs old? Because my husband and I are sponsoring them if they cannot pay for a medical (or any other) bill, they will come after us and we all know how expensive cancer or even a simple surgery can be, needless to say that we are not sleeping well at night! Thanks! Sheila (your love life paramedic) www.slumberpartiesbysheila.com""

Heath Insurance like Car insurance?

I am sick of paying High prices for health insurance because of over-weight out of shape people who have all types of health problems! With that said, I believe health insurance should be more like Car insurance. If you are healthy and havnt been in Accidents then your insurance should be lower than people who are healthy, workout, eat right and dont smoke or do drugs. I no longer have health insurance because I cannot afford it. When I did have health insurance I never used it because I am healthy. Should people like me be paying less than others who dont care about their health?""

WHAT LIFE INSURANCE IS BETTER?

Should my husband get whole or term life insurance?

Lookin 4 cheap car insurance!!?

how much does car insurance cost for a new driver (17 years old) in the uk???

Clara Mississippi Cheap car insurance quotes zip 39324

Does car insurance depend on how much miles you drive?

will my car insurance be cheaper if i chose less miles on my insurance quote and how does the insurance company know how much miles i drive

""Got a cell phone ticket driving my friends car, will it raise her insurance rates?""

I was pulled over today by a cop. He gave me a yellow violation slip for using my cell phone. I was just checking traffic at a stop light! Ugh. Anyways, I was driving my friends car. And i'm trying to figure out if, my insurance rates will go up or will hers? Please help!!""

What company has the best motorcycle insurance in Maryland?

What Insurance Company is this?

I saw this commercial that had this college girl and this other guy saying how much its going to cost her breakdown car. She texted him, dude i'm a college student or something like that. Its an insurance company that covers both accidental insurance and car breakdown coverage. What company was this??""

Need new car insurance?

im with nationwide paying 3,400 per 6-months and im looking to pay less than that for 3 vehicles. what insurance companies can i look at for a cheaper rate?""

I was in a car accident that was not my fault. Does my insurance go up?

This guy in front of me backed into my front end at a stop light. We both got out and he tried compromising. I refused and called the cops and took down his plates and the make of the car. Good thing I did because he left right after I called. I think this guy may have been illegal he didnt speak english and was very eager for me to not call the cops. I felt bad but my car is really messed up. Is my insurance going to go up? If so how much?

When should I buy insurance?

I want to buy a used car from a dealer. So can I drive the car home, and then buy insurance? Or I should buy the car and insurance at the same time? First time to buy a car.""

Can i change my insurance payments?

I basically just cancelled my insurance after 12 days of having it because the company messed me about, so im waiting for my 1000 refund. But need to buy new insurance now! But don't have the money, found a quote with Swinton but the question is could i just put that i want to pay monthly and pay the small deposit then call them in a few days and pay the rest off for they year? Or would they not let me etc....Please help :(""

I pay over $950 for car insurance each year. Should I look for another company?

I am a 22 year old female, and I have a squeaky clean record. I own a 2010 Impala. Am I paying too much for car insurance? I pay the most in my household, but I have the best record. I know I am young and people expect those my age to make driving mistakes, but I'd like to know if about $1000 a year is the going rate for insurance. That's a lot of money, and I'd rather use it to save toward a master's degree...""

Why is health-care so expensive?

Just last year in CA Medi-Cal (state medicaid) stop covering for dentistry and optometry for people over 21. The total cost of my dental braces is $4550. I need them so I can fix some teeth that are misaligned. I pay $100 and it seems like its a never ending balance. I been doing this for 2 years now. I have Medi-Cal because of my SSI but that doesnt cover anymore because I am 21. My mother had heart surgery in 2007 and we still haven't payed a bill. My parents don't have any insurance. They used to have Medi-Cal but when Schwarzenegger became the governor in 2003 he made some changes to the policies and they stop having Medi-Cal. She tried applying for SSI but she keeps getting denied. The republicans should stop attacking Obama and work together to pass the health-care reform.

Will a ticket for careless driving increase your auto insurance?

I was pulled over for speeding but fined for careless driving. My parents car is insured but I'm not on the policy. Will the insurance premium be affected? How long does it take for there insurance agency to find out about the points? (We have Allstate if that helps)

How would car insurance companies benefit if the driving age was raised to 18?

And would insurance cost less? please show sources if you can

""HOW MUCH THE INSURANCE ILL BE FOR 2013, 15.000$CAR?IN CALIFORNIA?""

IM TALKING ABOUT DODGE DART 2013 ,HOW MUCH THE INSURANCE ILL BE FOR 2013, 15.000$CAR?IN CALIFORNIA.""

Car Insurance Question?

I'm looking at buying a four door sedan but I don't have car insurance. The reason that I don't have insurance is because I only have my permit. Unfortunately, I no longer live with my parents so I don't think their insurance will cover me. I've been trying to get quotes from various companies for when I do get my license but many of them will not even give me a quote if I don't have my license. Are there any car insurance companies that will offer insurance to me while I still only have my permit? I already found a car that I like before realizing my parents probably won't be able to put me on their insurance so I'm trying to figure this out quickly but thoroughly. I'd really like to get it soon because I hate driving in my parent's minivans since they are huge and I have trouble seeing out the tinted back window. So far the only option I see is to have my parents buy the car for me until I have my license (which I plan to get before December to avoid learning in the snow).""

How much should I be paying for car insurance?

I live in the Philadelphia metropolitan area, although not in the city itself. I'm 25, and I've had my license since I was 18. I've been in one accident, and the other driver was ruled at fault. I've had no traffic tickets. I have a two year college degree and good credit. I drive a 2006 Chevy Cobalt that will be paid off in August. It's currently under my parents' name and on my parents' insurance policy. Once it's paid off, they're supposed to sign it over to me. (I'm reimbursing them for the car and insurance.) My parents might be ripping me off on the insurance costs; my father bought a second truck around the time of my 25th birthday, and there hasn't been any drop in the policy costs. How much can I expect to pay for a policy in my name only with the car in my name only?""

Cheap insurance in northern ireland?

I am a 21 year old driver with 3 years no claims bonus and my insurance is still a fortune!!! is there any dealers out there that is a bit better on it??

AFFORDABLE auto insurance?

I'm 19 and I really need some car insurance. Everywhere I get a quote from requires that I pay an arm, a leg, and my first born son. Is there anywhere that won't do that? I'm currently unemployed, and I need a car to get a job, but I need a job to get insurance (this expensive insurance) for the car that I can't drive (legally) until I have the insurance. Somebody freakin' help me.""

What is the cheapest auto insurance carrier in north carolina?

""Im 33 with no job, whats the best affordable way for me to receive health insurance?""

Im 33 with no job, whats the best affordable way for me to receive health insurance?""

Washington State Car Insurance?

I am 21 years old, and I just bought a vehicle, and transferred the title and everything. HOWEVER I only have a Learners Permit. Is it possible for me to buy insurance for the car, to use it to learn to drive prior to licensing? I don't have a spouse or parent with a car or auto insurance, so that is out of the options.""

How come im being quoted over 5000 for insurance?

im 20 years old and i am looking at buying my first car i have been looking at all sorts of cars from new to old staying well within the 1.0 -1.2ltr engines but i still cant get a quote lower than 5000... why is this, when i know 17 year olds that are getting quotes for 1.2 corsas @ 1500... am i doing something wrong? need to knows; im 20 i have a full UK licence i passed my test in febuary 2012 i have a full time job, not married any help would be great""

When my boyfriend turned 18 he lost his health insurance. where can he get health insurance at?

He doesn't see the importance of it, but I know he needs it. dental and health insurance. He doesn't make a lot of money either.""

Is there a website that has Arizona Auto Insurance Questions that I can study for my test?

Is there a website that has Arizona Auto Insurance Questions that I can study for my test? I have my test next week and need to get some questions to get prepared!

""If i become knighted, will my car insurance costs be lower?""

If i become knighted, will my car insurance costs be lower?""

How much does the insurance of a normal car compare to that of an lgv/ hgv?

I'm thinking of converting a vehicle into a mobile home; of course if I can get more space for a similar price on insurance that would be great. I'm just looking for averages, I'm not a particularly high earner but if I know where i stand I have more of a chance making it realistically. Please don't answer i don't know or something similar that's just irritating. Thanks if u can answer though :)""

Clara Mississippi Cheap car insurance quotes zip 39324

Low Income Health Insurance in Alaska?

I have been asked to find low income health insurance for my parents who live in Alaska. I don't even know where to start. Does anyone know where I might be able to get any information?

What happens if your car is totaled in an accident and the Insurance company wants to pay less than you owe?

The guy that hit my car was at fault and cited by the police. Now his Insurance company wants to total my acr and give me 1300 less than i owe. This seems wrong.

What the best insurance company for me?

so I'm 19 and havn't have my licence very long and I drive a race car... but I want good cheap insurance like allstate or statefarm I'm looking for good coustomer service that makes me feel safe... so whats the word... any coustomer service stories?

What is car insurance for a first time driver?

Okay i am 18 and have never had my license before and am going to be getting it at the end of this month...soon we are going to start getting insurace quotes for my car, we have been talking about what would be the best way to go about getting the cheapest insurance...so would it be best to put the car in my name but then just be added to my parents insurance and have me as the primary driver OR would it make a difference if we put the car in one of my parents name and then had me listed as the secondary driver for the car ? OR maybe you know a better way to go about this please give me all the advice you know about this! thanks""

Insurance question: Will my medical bill be covered?

So, I have a motorcycle and fell on it because of a surprise front tire blow out. I do not have a M1 license or motorcycle insurance. I am fine and when i fell I picked my bike up and had my friend tow me back home. No authorities were involved. I then proceed to go to the ER. I went and told them it was from me falling on a motorcycle. They didn't ask any questions in relation to my motorcycle credentials. My question is; will my insurance pay for my hospital visit? Or will they check and see if I am even qualified to ride a motorcycle. And if they see that I am not licensed will they not pay for my bill?""

Car insurance?

So im thinking of getting a car... but im 16 so i know insurance is gonna be insane, and im in MA so its mandatory. Anyways from what i understand it cost way less to get added to your parents policy. But can i do that if im not driving their car, but my own car i bought (not yet)? I cant buy the car in their name... has to be in mine...""

Isn't the real problem causing a health care crisis in USA that cost of healthcare/insurance is too high?

Health care costs are out of control and so is the cost to insure. Because of the high cost of insurance many employers no longer offer what used to be a very common employee benefit. So now we millions of americans who are uninsured because they cant afford to go out and pay 600, 700,800, 900 dollars a month for private health insurance coverage. The rich and the fortunate ones with group insurance are taken care of. The ones who dont work and are on medicaid are taken care of, but the ones who are above the poverty line and work but are struggling as it is to make ends meet cannot afford the high insurance premiums and are left uninsured. We need to find a way to make health insurance and health care more affordable ..this is how people will get insurance on their own and the government will not have to tax us more to provide more free health care.""

What is ment by term life insurance?

whole life insurance term life insurance

""Female, over 25, 9 years driving experience needs CHEAP CAR INSURANCE?""

Hi, my previous insurance was less than 350.00 for third party, fire and theft (in london). My new car is similar but I am getting quotes for 800+ for third party fire and theft. This is ridiculous. I am in my late twenties and have been driving almost 10 years. I would really appreciate names of small insurance brokers. 10 points.""

Car Insurance Quote so high?

I'm an experienced driver here in Ontario Canada. I'm 26 years old and own a full G level driving license. My record is clean. I'm looking to get my first insurance coverage, with a used Toyota Sienna CE 2005. I would be the sole owner of the vehicle and only driver for the most part. Wont even be driving too often. However, I got two quotes and they are outrageous. about $350 a month for only liability coverage and the other even more. How come a clean record first time insuree ca get such bloated quotes?""

Will making two collision claims (one major/ one minor ) within a 6 month period raise my auto insurance rates

I've never made a claim before this first one, a deer ran in front of my car and caused severe damage. Now five months later someone hit my car in parking lot (I think) nothing major just a 6 black mark that pushed the body in a bit. Will they raise my rates? If so then I would just go a get it fixed and pay for it all out of pocket.""

I'm 21! I'm getting kicked off my parents insurance here in a month? Whats the best place to go find insurance

I would go through my work but i'm leaving by the time i can get on. So i've looked on the net but i haven't found anything that great. I'm also and asmathic so i need medication every month. Any help?? :D

Who offers affordable home owners insurance in south florida?

trying to buy a house in south florida and I need a good and affordable company for my home owners ins.

Any body know the cheapest place to insure a 17 year old driver?

My 17 year old son just passed his driving test and would like to buy a car. This wouldn't be too much of a problem but the insurance quotes we have had are unbelievably high. The cheapest quote has been 4300 with some companies refusing to quote at all. Some of his friends have told him they pay around 2500 because they have a 'box' fitted which monitors their driving. The co-operative was recommended for this but when I got an online quote from them it was 7,500 with the box. Help!!!! Anyone have any ideas?""

CAR INSURANCE. Cheaper car insurance?

There are 3 drivers in our house (Dad, me and my brother) and two cars (usualy 3), is there a cheaper way to insure all of us on all the cars?""

How much was insurance when you got your first car (UK)?

I know that it is extremely high just after you pass and insurance depends on other things like job and where you live, cos I want to get a car but I have been quoted over 1000 and that's with my parents added as well.""

My daughter wants me to put car insurance in my name?

she wants me to put car insurance in my name for her husband he cant do it cause it would cost alot he has alot of speeding tickets and a dui plus he has lost his driver licenses my record is perfect what do you think i didn't even know you can do that im in ohio

Im a 20 year old male and im thinking about getting my first motorcycle. I need suggestions.?

Like i said im a 20 year old student looking into getting a bike. Most of my friends have them and they tell me how much they enjoy riding so i'd like to take up the hobby and ...show more

How much will it cost to insure a motorbike such as cbr600f if im 23 and just passed my test?

And are there ways of cheapening the cost - I really have no clue of how much motorbikes cost to insure. the cbr600f is group 14,which sounds reasonable. Can i lump the insurance with a car thats group 11? i live in the uk.""

How do I know what value to put on my home insurance?

I have a flat in London that I want to insure. The flat is 64 metres squared and is 100 years old. The market value is about 200,000 to 210,000. A similar flat, in my town, in the North is valued at about 100 000 One would assume that the insurable value would be less for than the market value in London. My question is for what value should I insure the flat in London?""

What is a good cheap auto insurance?

i have progressive right now and its almost 300 cause i have a new car..are there ne others that are cheaper but have a good policy??? i live in kentucky

How do I get secondary health insurance?

I'm a full time graduate student currently receiving health insurance through my parents. However, my coverage sucks and I would like to purchase secondary insurance. I looked through all the different plans on einsurance.com (united, humana atena, etc), but when I called they told me that I can't purchase it when I already have insurance. I did some searches for secondary health insurance, but I can't find companies specifically for secondary insurance. It seems that I should be able to purchase any type of insurance I want and that the secondary company should pick up some of what my primary doesn't. Right?""

I have a question about health insurance?

I have a 4 year old daughter,I have joint legal custody,my daughter has health insurance with her mother,is possible to have a secondary health insurance?""

How much would I pay for car insurance?

I am a male, 24 years old (turn 25 in july), student.... what is the cheapest car insurance you think I can get?""

How do you insure a used car from a private party on the way home?

If i buy a used car from a private party a few hundred miles from me how do i legally drive the car back to be registered in my state of PA. I called insurance company and they said they cant give me coverage until it is registered however the person who owns the car from when i buy it from them should have insurance to cover me on the way back. Is this true?

Clara Mississippi Cheap car insurance quotes zip 39324

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