Various Professional Courses in India to Take Your Career in the Right Path

The cutthroat competition in the Indian job market has led to the rising demand for various professional courses that guarantee jobs as well as career growth. Students in India are always on the lookout for job-oriented courses to boost their career further. To their delight, professional courses are now offered at both undergraduate and postgraduate levels. Each of these courses has its own eligibility criteria that students need to fulfill before taking admission into these courses. Though engineering and medical courses are the most popular ones, there are also some path-breaking courses with equal scope and prospects for students. These include architecture, law, hotel management and distance Master of Business Administration courses.

Architecture generally involves the techniques of designing and developing buildings and structures by taking into account factors, such as functionality, social and aesthetic conditions. Various courses in architecture are found in nearly all states of the country. Some of them are extremely popular all over the world. There is also the Council of Architecture, established by the Government of India, to recognize and govern the standards of architecture courses in the nation.

Various architecture programmes offered in India include Bachelor of Architecture (B.Arch.), Masters in Architecture (M.Arch.) and Doctorate in Architecture (Ph.D.). At the postgraduate level, there are also courses like Masters in Planning, Masters in Urban Design, and Masters of Urban and Regional Planning. While undergraduate programmes have a duration of 5 years that includes strong emphasis on both theoretical and practical training, postgraduate and doctorate programs are of 2 and 3years respectively. Some popular architecture institutes in India are IIT-Kharagpur, IIT-Roorkee, Jamia Millia Islamia University in Delhi, RV College of Engineering in Bangalore, Kamla Raheja Vidyanidhi Institute for Architecture and Environmental Studies (KRVIA) in Mumbai, etc.

As per the figure worked out by the Bar Council of India, more than 1,500 lawyers get themselves registered for the practice of law every year. There are many different options for making your career in law. You can take up the role of legal officers in countless law firms or business houses, apart from practicing in different courts. Various undergraduate law courses include Bachelor of Law (LL.B.) of 3 years, B.A., LL.B (Hons.) of 5 years, B.Sc., LL.B (Hons.) of 5 years and many more. The range of postgraduate professional courses is vast with Master of Laws (LL.M.), PG Diploma in Labour Laws and Labour Welfare (D.L.L. & L.W.), PG Diploma in Taxation Laws and Master of Comparative Law (M.C.L.). Further studies are also available in the form of Doctor of Laws, and Doctor of Civil Laws. You have the options of pursuing these courses in institutes like National Law School of India University in Bangalore, NALSAR University of Law in Hyderabad, National Law Institute University in Bhopal and National Law University in Jodhpur.

As India is the ultimate choice for millions of global tourists, the tourism and hospitality sector in the country is witnessing an upsurge. In the pursuit to produce efficient professionals for this booming sector, there are many professional courses in the offering. At the undergraduate level, you'll come across courses such as B.Sc. in Hotel Management, Catering Technology and Tourism, Bachelor of Hotel Management (BHM), Bachelor of Tourism Administration (BTA) and numerous 1-year diploma programmes. If you seek to pursue a course after graduation, there are courses like MBA in Tourism and Hotel Management, Master of Tourism Administration (MTA), Master in Hotel Administration (MHA) and Post Graduate Diploma in Hospital Management. You can avail these courses from institutes such as Air Hostess Academy, Amity Business School, Apeejay Institute of Hospitality and Apollo Institute of Hospital Administration.

Last but lot least, distance MBAs are most preferred professional courses by students and working executives alike due to their flexible nature. Like regular courses, these courses are available in almost all disciplines such as finance, human resource, marketing, information system, banking, insurance, international business, hospitality, retail and many more. Many open and private universities offer distance MBAs and post graduate programmes in management. IGNOU, Amity School of Distance Learning, and Annamalai University are some of the popular names.

Mr. Vikas Rathi is providing Infinite Courses, a foremost name in the arena of web sites and portals offering umbrella solution to all education related queries and dilemmas. Explore B Arch Colleges in India, Hotel Management Colleges in India, and much more.

Auto Repair Estimates - Making a Career From Writing Estimates

What is an estimator?

An estimator is a person that writes auto repair estimates on vehicles that have been involved in an accident. The estimator must understand the basic car design and know the nomenclature of a vehicle. The estimator must also have good communication skills as they deal with customers on a daily basis. Not only does the estimator have to communicate with customers, but they will also be the contact person for the insurance companies, shop managers, and the shop foreman or technicians. Therefore, communications is a must for an auto estimator. This career pathway is definitely for a people person. In fact, I would even say that a person that writes auto repair estimates for an auto body repair center needs to be part salesman. It is their job to sell them self, the company, the technicians, and the service that the shop provides. Not all technicians make good estimators, but it is a good idea for the estimator to have experience as a technician. Although, there have been people hired without experience and trained by the shop to write estimates.

Who Will Hire You?

There are two different industries that hire auto estimators. One is auto body repair shops and the other is insurance companies. This can also split into other categories in each industry. Collision shops can be dealerships, franchise shops, or independent shops. Some insurance companies hire their own auto estimators, while other insurance companies hire independent auto estimators. When you write estimates for the insurance company your title may be an auto appraiser instead of an auto estimator.

What Can You Expect To Earn?

This can vary on your experience and if you work for a small body shop or an insurance company. However, according to O*Net the national median for an Auto Damage Appraiser is $53,440 and had a growth rate of 7% to 10% in a ten year period. (2006 - 2016) Some collision repair centers will pay their estimators a salary and a percentage of every job that they sell. Therefore, the more estimate sales that the estimator produce, the more income he or she can earn if on one of these types bonus incentives.

What is the first step towards this career?

The first thing you will need is to learn is the basics. You can do this by enrolling in a collision repair program. Many local community and junior colleges offer these programs. This will allow you to learn the basics about the entire industry. Everything from the body repair, structural or frame repair to painting. Most programs incorporate a basic estimating course within the auto program. This will give you a taste of the industry and determine where you fit in best at. You may decide to become a collision or paint technician instead of a person that writes auto repair estimates. Whatever you decide, this training is the first step to securing a job in the auto collision repair or estimating careers. Some insurance companies require that you have a bachelor degree, but many do not. Experience hold a lot of weight with insurance companies as well. The training is your foundation and how you build the building is up to you. What I mean is, once you have your basics down, you have many opportunities and directions to explore.

Where do I find a facility to gain the training?

The best training for your money is going to be at a junior or community college. Community colleges normally focus on smaller groups, which offers lower student per instructor ratio. This leads to a deeper level of learning. They also receive state and federal funding, which allows them to offer quality programs at a much lower cost to the student. Other training facilities include technical schools and private owned schools. Check with your local community college to see if they offer collision repair. If not, ask them if there is a nearby tech school that does. Chances are that they will know where to point you in the right direction. Once enrolled in a collision repair program, you will be on your way to a career as a person that writes auto repair estimates or many other career pathways that collision repair has to offer.

Hi! I would like to thank you for stopping by. I would like to personally invite you to check out my books I have available by clicking Auto Body Books

I have been doing body and paint repair for over 20 years. The past 8 years I've been teaching this to students and now I am ready to teach you too.

I hope you give me the opportunity to teach you more about auto body and paint repair. I will be delighted to teach you what I know to help you complete your car project or to gain the knowledge to know how.

For more information visit Auto Body and Paint Training

How to Increase Commissions in Commission Only Sales: 5 Eye-Opening Keys to a Secure Sales Career

Allen Foster, 39, followed his dad, John, into a lucrative career in insurance.

"He raised three kids on commission-only income, had total independence and control over his time, made a darn good living...I wanted that for my family too," shares Allen.

In 1996, John was able to retire on his renewal commissions-something unheard of for most career producers today.

New regulations have not only cut into commission payouts, but corporate politics, ever-changing commission-structures and rising quotas have led sales professionals to change firms and product lines more often than their predecessors-consequently losing their client base and vested potential in the process.

"To say things have changed since my dad's days of selling insurance would be an understatement," says Allen. "Companies aren't loyal to their agents anymore, and in turn, agents aren't loyal to their company. Since 1999 I've been with three different agencies-and that's less than most guys! It sounds unbelievable now, but in his entire 27 years, my dad was with two companies!" Allen laughs in disbelief.

And the time flexibility he remembers his dad having?

"Almost non-existent," Allen states matter-of-factly. "When I'm not dealing with corporate politics to hold on to my territory, in mandated continuing education classes, and keeping up on the ever-changing rules and regs of the industry, my time is spent trying to meet with an existing or potential client."

Technology and the internet has led to prospects rarely answering their phones, calls rolling to voicemail, and sales needing eight to twelve contacts.

Add in legislative and regulatory changes in the mortgage, real estate, health insurance and annuity markets, and sales professionals in every industry have been facing an up-hill battle for some time.

And in the midst of all this turmoil, what are sales professionals told to do?

Work harder.

Which is exactly what most commission-only producers do when the going gets tough.

Commission sales has always attracted a unique breed of sales professional. They are driven, competitive, confident, "think-outside-the-box" people who desire to control their own destiny. Many have backgrounds in competitive sports or the military, and tend to be initiative-taking leaders.

But in today's downright harsh sales environment, even the go-getters are struggling.

"Like my dad, I'm really good at what I do. As the proverbial saying goes, I could 'sell ice to an Eskimo' if I wanted to. But to make a decent living in the 'old school' way just doesn't cut it anymore. And I've come to terms with the fact that there's no way I'll see retirement renewals on any of the insurance business I write today. It's tough..."

Ron Agypt, vice president of broker sales at Aflac, echoes Allen's sentiment. "[Commissioned] agents are definitely feeling the squeeze...insurance companies have already started paying flat fees instead of commissions, and they are getting pressure from clients who are really saying to them 'We need more for less.'"

While some commission-only sales careers, like travel agents, have gone the way of the Dodo, others are forced to completely re-evaluate how they do business and get paid.

In Idaho, for example, where insurers began paying flat fees a few years ago, one agent told the Wall Street Journal that he initially suffered a 20 percent drop in income...

Fortunately, due to his "out-of-the-box" thinking, he was able to eventually make this up by diversifying his product portfolio.

In addition to selling his "traditional insurance" services, he partnered with a company to sell voluntary, non-traditional add-on products to his existing clients; this move also enabled him to expand his client base into other business industries that had previously been too small for his line of services and not worth his effort.

To make up the lost income most commission sales professionals are used to generating, says Alan Katz, once president of both the National and the California Associations of Health Underwriters, will require that they "take a horizontal approach to change: diversifying your product portfolio so you are selling more products to the same client."

And by no means does this relate just to health insurance.

In the annuity industry, the low interest rate environment has made business much less profitable for issuers; new regulation has increased costs leading to consolidation. Because fewer companies are competing, products are less competitive in terms of rates, commissions and innovative features.

The overall resounding message is clear: Instead of just embracing the masochistic opinion to work harder for the same or less amount of money, commission-only sales professionals must start evaluating portfolio-expanding services that enable them to offer value to their clients, and be adequately compensated for doing so- regardless of the economy, political decisions, or corporate politics.

Let's examine 5 key distinctions independent commission sales professionals should look for when partnering with a voluntary benefits company to fill the gap in their commissions:

1. Small Business Niche Market - With insurance brokers across the United States being told that, due to health reform, their small-group commissions will drop by 15 percent starting in 2011, many small group producers are moving to mid-sized companies, and mid-sized producers are moving to larger groups.

Instead of running with the herd, the smart move is to evaluate how this deserted market can now open up opportunity for producers to:

• take advantage of less competition

• offer voluntary, niche-focused benefits to smaller market segments

• fill their commission gap

Working with a company and sales support team that focuses on the small business niche can offer huge potential to commission-only producers.

2. Add-On or Door-Opener Product Line - There may be some commission sales professionals who decide to leave insurance sales altogether-but most won't. And the truth of the matter is that most other commission-only sales professions (real estate, mortgage, advertising, merchant, etc.) aren't faring much better...

Even though implementation of health care reform is three years away (2014), the reality is that many of those painful compensation changes are already being implemented. Attractive, motivating commissions are going by the wayside and being replaced with flat fee payouts.

For commission sales producers, this means the time is now to start looking for additional services to leverage. Look for services that can:

a) Be added-on to existing client's benefits to enhance service value and, in turn, increase up-front and renewal commissions

b) Serve as an appealing door opener to help commission sales professionals get invited in to previously closed sales opportunities

3. Flexible Work Environment - In today's tech-savvy business marketplace, there is little reason why trainings and meetings can't be done via webinar, email, or iPhone. A sales team that demonstrates this work flexibility is key to a vibrant, commission-only sales future.

The growing rigidity of the traditional sales environment goes against the very nature of who an independent commission sales professional is. Give them reasonable goals, motivation, effective tools, and let them go! Sales is a results-driven activity. To maximize those results requires a work environment that is as flexible as possible.

4. Innovative Training - This does not mean training on how to sell. Independent sales professionals know how to sell. Innovative training involves providing relevant, up-to-date insights on how to communicate more effectively with your niche market. This could relate to using social media, CRM, email, or other proven prospecting and nurturing strategies that move way beyond old, worn-out tactics.

Training that is cutting-edge enhances already well-established sales skills, saves time, and leverages the expertise of like-minded sales professionals. Innovative training helps producers not only connect with quality prospects, but helps drive more sales and generate increased revenue.

5. Renewal Commissions - For most independent sales professionals, renewal income is like Santa Claus-it existed in one form or another long, long ago, but now, the concept of it has been hyped-up, twisted, corrupted and devalued.

It's true that for most commission-only producers, their company's commission structure, turn-over policies, increasing policy rates, and fickle client base has made renewal payouts impossible.

But the reality is that, "Yes, Virginia, renewal income really does exist." And with commissions in almost every field of sales being significantly reduced, independent sales professionals must think in regards to short- and long-term financial rewards and partner with a company that does too.

Alex Gardner is National Marketing Director at http://UnitedSalesPros.com where he's collaborated for 10+ years with a nationwide group of active, top-producing, commission-only sales enthusiasts who earn their living making sales.

United Sales Pros provides a platform for independent, commission-based sales professionals in any industry to access cutting-edge, relevant, valuable, and applicable resources to help them advance in their sales career.

We invite you to take full advantage of the fresh ideas that are shared on http://UnitedSalesPros.com, offer your own commentary and insights, and to suggest topics you'd like to see addressed related to commission-based sales.

Insurance Agents - Getting Started in a Career in Insurance

An insurance career, like any career in sales, has the potential for great rewards with a bit of luck and hard work. At the same time, as most agents are for the most part independent and paid entirely based on commission, there is no salary to fall back on and no one to carry you when times get hard.

Although many insurance companies will require that new agents they hire have a college education, this is not required by the state and many independent agents set up private brokerages and sell coverage and policies from various companies without actually working for any individual company. In general, if you are just getting started in your insurance career, it is easiest to start out with a company or brokerage of some kind, where you can work with and learn from your fellow agents.

For more information about how to obtain an insurance license in your state (each state has rules and regulations that are specific to that state, even though these are usually similar across different states), contact your state Department of Insurance, or contact the National Insurance Producer Registry, an organization that works hand-in-hand with many states to help new agents get licensed.

Also, remember that starting out in insurance, there can be fairly large differences in salaries in the different insurance lines, for example, between life/health vs property/casualty insurance base salaries.

It is usually easier for a life & health agent when they are first starting out, with larger commissions upfront, while property and casualty agents take a bit longer to get going but are easier to build into more of a snowball effect. Usually it is fairly easy to maintain a large number of policies with a large number of customers with minimal interactions over the lifetime of the account, most of that upfront. In fact, many successful agents years into their insurance career are able to offload a large portion of their work onto the office staff they they end up hiring to cover most tasks such as answering the phone, etc.

In short, a career in insurance can be a great way for a person to get started on their own quickly, and is something that can be built into quite a decent salary (six figures are not at all uncommon) after just a few years of hard work.

Insurance career education and training providers are available to help guide you through the process of becoming an agent. If you are interested in a career in insurance, see our site at http://www.cpmipro.com/ for more information.

How This Mistake Can End Your Insurance Selling Career

All insurance prospecting mailing lists are not the same. A plain vanilla prospect mailing list may resemble a residential state directory or even a telephone book. Every insurance representative is currently listed.Each year you pitch the old one into the garbage. The old one in the garbage makes way for its almost twin replacement. Maybe the new replacement list also belongs in the trash. This kind of directory used as a prospect list is often the kiss of death.

Are you tempted to use this a free directory or cheap list for your insurance prospecting? After all there are lots of phones. Of the phones listed, 55% are currently also listed on the National, State, or Direct Marketing Association DO NOT CALL LIST. This means people get angered when pestered with your intruding sales message. Plus if they report you, your fine could exceed all the gas costs your car will incur for the next 18 months.As a salesperson your goal is to convince new prospects to favorably respond to your offer. Lots and lots of responsive it not a dream but a requirement..

Direct marketing experts agree that the single most important element to insurance success is the list you end up using to prospect from. The list is such an important ingredient in insurance prospecting that it holds a relative ratio of importance of 60%. A properly written sales piece holds up to 30% of the total value. 10% remains for the looks and creativity, plus timing in presenting your offer. The list is also the part that is least well understood by direct marketers and so its importance is commonly often over-looked or way under rated.

Compare the value of a target compiled mailing list. This type of mailing list is directed solely at a certain group of people sharing similar attributes. A list compiler uses a wide spectrum of sources to produce a targeted mailing list containing multiple similarities. The people on the list are checked for specialized work abilities, plus geographic, demographic, and census data. With your "qualified" list your are rewarded with benefits in return. The benefits are that the quantity of prospects increases, and since better prospects are easier to present your offer to, your total sales, and sales ratio increase.

Some list compilers can also supply you lists of responders. Prospects who have been proven to respond more than once to accepting offers presented to them. When you combine the responder aspect with targeting, you have a dynamite prospect list.

The absolute shinning crown jewel is finding responders who previous were sold a product similar to yours.

Targeting and identifying the right group of recipients is what makes targeted mailing lists work. A targeted mailing list is more cost-effective than other ways of advertising. By contacting a specific group of people directly, an insurance representative may avoid the cost of sending the ad to many people who will ignore it. It also helps direct marketers tailor their message to a specific group of people, making the ad more relevant and perhaps more likely to be read. A properly written sales piece, with the right list, often returns 10 dollars for every dollar invested.

Direct mail is the recognized as being the most powerful advertising medium available. Still more powerful than the internet and email. Put the correct direct mail sales piece in front of the right prospects and you will get results. That is if you are willing to spend an extra $100 to make $1,000 in additional profits.

If you think you are any good, spending a little the right way will quickly prove it. Otherwise, like so many agents, so will make the mistake that will end you insurance selling career.

You have heard the saying that the more you know, the more you realize you don't know. Don Yerke likes to concentrate on what you don't already know or what no one else dares to print. Tell it like it is, and more people listen. The website address is [http://www.agentsinsurancemarketing.com] You can right away receive a copy of the great book by Napoleon Hill, "Think and Grow Rich".

The 4 Levels of an Insurance Career Path

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

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

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

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

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

LEVEL FOUR The true insurance professionals. Numerous pros are fully independent. They have often signed contracts with six or more independent life insurance carriers. Others are semi-independent, who have not quite yet taken the final break away step. Do not assume that all are financial planners exclusively serving wealthy clientele. There are countless professionals selling long-term care and medicare plans to seniors, others are specially in writing employee benefit plans to employer groups. The typical income range is from $70,000 to $110,000.

In insurance, you do not go to college for 6 to 10 years to become a specialist. You learn through trial and error and your intuition. There are no books to study, only some continuing education courses that are product based. You progress with self-learned selling skills plus the severe determination few salespeople possess. It is an insurance career path without shortcuts.

Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is. The website address is [http://www.agentsinsurancemarketing.com]

Get your FREE 160 page Ebook on self confidence (details on 2nd page).

New York Life Insurance Company Career - New Personal Financial Representatives Doomed?

New York Life Insurance Company is large and successful. If you think life insurance careers are easy, think again. If you think personal financial representatives are entry level careers, you are doomed. Want the true facts about life insurance careers and personal financial representatives? Read this article.

I remember that years ago 15% of the women entering life insurance careers were women. Today with some career life insurance companies like New York Life Insurance Company that figure is now approaching close to 50%. Moreover, in a business already flooded with far too many male and female life insurance agents, their recruiting figures are up. This is a marketing scheme. Change the name to possible applicants from life insurance agents to financial representatives and suddenly an image of prestige and easy money appears. However, ask yourself why the insurer's name is New York Life Insurance Company and not New York Financial Company. It is just a name game.

FACTUAL INFORMATION Recruiters of insurance agents or so called personal financial representatives have hardly been able to increase their retention rate during the first year and a half of the new recruit's career. 10 years ago, 86% of newcomers left life insurance selling during their first 18 months, now that figure is 85% leaving, 15% remaining. After four full years of gaining experience, only 7% remain, and gender is not a factor.

Why does a highly respected company like New York Life Insurance Company hire over 3,500 reps in 2008? Their figures show appointing around 3,200 in 2007, and expecting 2009 to produce 3,500 new financial representatives to train. To me that adds up to 10,200 inexperienced reps in 3 years. Does anyone logically look at the numbers? This financially solid company founded in 1845 has a total agency force numbering slightly over 11,500. 90% of these are certainly are not newer financial representatives. The common interpretation of new hires retaining a lasting career is False. My analytical studies of New York Life Insurance Agents indicate slightly elevated retention than others. A similar insurance provider loses at least 70% of their first year agents.

New York Life Insurance Company still has poor retention rates. However, during the past 10 years they have implemented a strategy few of their competitors have not been as successful at imitating. That strategic method means recruiting agents, "financial representatives" with a keen emphasis on a wide diversity of cultural backgrounds. This a rapidly expanding area underserved by agents possessing the same nationality and ability to speak the language. This strategy involves personal representation into Chinese, Korean, Vietnamese, India, Asian along with Hispanic and African-American and other cultural residents.

Even though New York Life Insurance Company recruits excessive numbers of agents, to result with the skilled few, this is the same numbers game practiced by competitors. Factually, it is a profitable tradition for the insurance provider, as departing agents sacrifice 100% of premiums collected to the company. To the credit of New York Life Insurance Company is this distinction. For many years, they hold the prestigious recognition of having the most MDRT, million dollar roundtable members. This does not mean making anywhere near a million dollars. However MDRT selling principles and premiums are adjusted yearly and strongly enforced to make sure qualifying is left to many of the best of the best.

A new agent is not a financial representative. This is where calling a new agent a financial representative or financial advisor, hurts all the truly experienced and knowledgeable professional personal financial representatives and planners. New York Life Insurance Company mentions on their website regarding new recruits the opportunity to provide vital insurance protection and financial advice. Be honest here. An agent trainee is barely able to properly perform prospecting and life insurance sales effectively. This explains why industry turnover is so great. Selling life insurance to cover death expenses or pay off a mortgage is a far cry from providing the accurate financial advice of a professional. Likewise obtaining a variable contract license to sell investment products does not mean an agent has the ability to do so properly.

A true financial representative must be very qualified to give advice. This often means meeting semi-wealthy to wealthy prospects and advising them how to lay out their entire financial situation. The planning could involve rearranging hundreds of thousands of dollars of assets. Given the economics of the near past, even some of the best financial planners have been given the cold shoulder by clients seeing their wealth accumulation slashed in half. New York Life Insurance Company certainly has some of the best experienced financial representatives in the business. However, most of these pros average 10 years of continued education and specialization while earning various designations as proof of their abilities.

An agent trainee is in the wonder years. Just selling enough insurance to survive the critical beginning years is a challenge few can master. Taking agents living in a $45,000 income area environment and getting them in front of million dollar clients is truly throwing them in the furnace to be burned. All salespeople have a comfort level of selling starting with prospects close to their own level. After sales skills and product knowledge, this level gradually increases. Few new agents comfortable with clients making $50,000 a year can quickly adapt to working in the $200,000+ yearly income bracket clientele. Ordinary middle class Americans do not need a financial representative, the service of a hard working life insurance agent will do fine.

Can a new financial representative make it? Although New York Life Company provides quality training, it cannot guarantee success. My previous insurance career and 25 years as an insurance advisor analyzing mountains of agent data says NO. However if a rep already has most of the following qualities or characteristics I could be convinced to say a 50/50 chance at best. You must enter the business in good financial condition, no loaded up credit cards, and hopefully a decent nest egg. If you have the ability to speak fluently a second language and are going to concentrate on your ethnic group that is a plus.

You must realize the average insurance agent earns around $25,000 yearly in the early stages, so you have to view this career as a step building process. Very few insurance agents or financial representatives, percentage wise, earn $100,000, especially during their initial four years. While product knowledge and most selling skills are learned over time, other career makers must already exist. An extraordinary dose of never-ending determination to break the odds, backed up with phenomenal self-confidence, plus a lack of fear and rejection are required prerequisites. Add to this the ability to take everything you are initially taught as a grain of salt and then revise it to perfection.

Never are you in the business as a company representative, you are in business for yourself. Financial rewards only come to those that separate themselves quickly from the failing masses. IF you still really feel you have what it takes after reading this article, a New York Life Insurance Company Career could become a reality.

Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is.

Watch for his new paperback book debuting on Amazon early this summer. It is loaded with great insurance marketing and recruiting information.

Come and get your FREE "Think and Grow Rich" Ebook by Napoleon Hill instantly. The website address is [http://www.agentsinsurancemarketing.com]

The National Data Entry Will Help You Find and Restart Your Missing Career

When you finally decided to restart your career after losing a job due to the economic crisis we are having, perhaps you might want to consider first enrolling in a training program. The National Data Entry is the program that could be able to provide you enough assistance to interested data entry operators. Each individual that joins the data entry job and makes good amount of money are now living a happy and contented life with their family and friends. Once you have tried this training program and are able to find one legitimate home based work, you will then be known that this is a certified money maker and the process of doing those jobs are enough to be done during your vacant time only. You only have to work for few hours approximately two to three hours each day and then you could earn sufficient to pay your monthly bills.

The jobs here are just basic data entry jobs which involves filling up on online data as to what the company wants or the client wishes to have. The earnings here will base on commissions or on how fast you could complete a job. Working from home could provide you enough freedom that you want in any job you encounter. This is possible for persons who have the right attitude or the right discipline with regards to their work for they are working here without the supervision of a boss. You could decide what time and how many hours you want to spend doing the job. You could also decide on what job to accept or decline. This job could be done in any place just as long as there is an internet access. These data entry jobs are always available online and there are so many different kinds to choose from. Choose a project that will fit your skills in order to finish it faster so that you will be paid immediately.

To be successful in this field, you must be sure of yourself that you really want to do this. You must have the intention of wanting these jobs in order to have a decent work and possibly could make big with this job. The basic task that you have to do is to sign up online forms and submit it to a lot of companies as you can. This is recommended for those beginners who want to start their career by doing those simple jobs at first. You are being paid here according to the number of online forms that you could produce in a day or commission basis.

Persons who are now working these jobs for a long time sometimes produces $1000 each month and a beginner perhaps could do as much as $300 to $400 a month which is not bad for a start. If you maintain these jobs, you could reach the level in which you could earn more amount of money just by doing that particular job. Discipline and determination will still help you to stay longer with these jobs.

Best Home Based Data Entry: Featured on CNN Money!
Check out my National Data Entry review at my site! - Don't forget, you can also get 50% - 75% off for a limited time so go now, you'll be sorry if you miss it!

Diane constantly makes about $1500- $2500 a month taking surveys and helping with various data entry jobs provided by companies all over the world. Find out more from Diane how she does it, and see her reviews on the legitimate data entry companies