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Tips for using mutual fundsfor saving indian income tax

If you are thinking of saving tax in India, Equity Linked Savings Scheme or ELSS mutual fundsor other funds with -taxsaver- clause can be specifically helpful. As ELSS funds are deductible as per section 80C, anyone who purchases these funds would be able to save tax. This clearly means that you would be able to get deduction of Rs. 100,000 from your income. So, your taxes would be calculated only after deducting this amount when you invest or spend this amount in some particular areas such as contributions to Public Provident Fund or Employee Provident Fund, New Pension Scheme, NABARD Bonds, Post Office Deposits, Bank Fixed Deposits, National Savings Certificates, ELSS mutual funds , Insurance, School fee for two children or principalrepayment for your housing loan. Before moving ahead to learn about how to save tax in india, you must find out if you are sufficiently insured. There are almost an unlimited number of insurance providers in the country and you can get the right plan with any one of them. An insurance policy is a sure shot way to save indian income tax. If you are considering ELSS funds as major investment in india, you would want to know the latest Direct Tax Code law. ELSS was Exempt on Entry so long, which meant that you would be saving tax on entering and pay no tax when you exit. However, now if you exit from your ELSS mutual funds.the fund would be considered as capital gains and it come fall into your tax bracket. So, if you purchase an ELSS fund and want to exit, you would better check with your financial planning services. A Public Provident Fund or Employee Provident Fund is another good investment in india, especially if you want to get most of your money in 3 years. However, ELSS fund is a long term investment and you can maintain it for many years, just taking out what you may require. Even if you have to bear tax, the profits from equity can be considerable. They can be sufficiently high to better the rates offered by Provident Funds. When considering mutual funds as investment options, even the higher fund commissionsmay not be a concern. It would still be a good thing to choose a tax-saving fund keeping your money invested until you retire. If you are looking for a long-term investment in india, these are the ideal savings systems that offer sufficient liquidity that can be taken out anytime you want after the lock-in period. However, if you have on your mind that you would not need that money soon, then the New Pension Scheme would be the ideal choice. It has extremely low charges for management, which can increase the returns dramatically. These are the leading indian income tax saving instruments that can help you save tax and get high returns in the long-term. Make sure to choose the best option that suits your income and long-term investment planning and requirements.

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Jobs and Career

Why Computer Engineering Careers Getting Huge Attention

Computer engineering is attracting various individuals to opt as an option as its one among the fastest growing industry offering attracting career options for freshers with a handsome remuneration.

Computer engineering may be define as a branch of engineering which is related to the computers with integrated features of electrical engineering and some aspects of computer science and may be broadly classified as a branch of engineering that includes designing and development of various computer software’s and hardware with testing.se Western Reserve University in the year 1972 and after that various intuitions have started offering computer engineering program and had made it a part of their course due to growing popularity. Computer Engineering Careers are one among the most preferred careers for individuals.

Various institutions are offering courses in computer engineering to help individuals to build their careers, it’s also opens the horizons for an individual to enter into various other related domain like wireless communication, robotic applications and mobile applications as these are among one of the most growing industries as per various rating agencies. Computer engineering may be broadly classified as computer software engineering and computer hardware engineering.

There are various industries that are looking ahead to get the computer engineering professionals to be a part of their industry with the growing importance and popularity of computers in every aspect of life, beside the handsome remuneration that is associated with the computer engineering domain flair for technology is another aspect that is attracting various individuals to choose computer engineering careers. Individuals who do not have an official degree of computer engineering however have gained excellence over the domain with the experience can get the opportunities that are available for a person with a computer engineering degree. You can easily find professionals offering there expert advise on how to opt for computer engineering careers and what is the best way to approach the domain so that you may get the job of your choice.

Various individuals are planning for computer engineering careers as it’s considered as one of the fastest growing industry by BLS, students that have inclination towards computers can easily opt for computer engineering careers. However one needs to pay attention and get a professional advice before making a final choice for the career as it’s always advisable to understand the future prospects of the domain that you are looking ahead to move with.

About Author

The author is a apart time counselor who helps people get into the right course that helps the people grow and choose a great career path which is rewarding. For more information visit Choosing career path and Plan a Career.

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Student Resources in UK Universities and Colleges

The amount of resources supplied to International students who wish to study in UK colleges will vary dramatically from place to place, so it is worth making enquiries to each of your short-listed colleges before deciding.

Other principal college resources, in addition to the library and IT services, which need to be researched when comparing speculative colleges, are the quality of Lecturers and Academic services provided.

UK Higher Education Institutions

The quality of teaching and assessment methods in UK Higher Education have a strong reputation around the world.

Lecturers

All lecturers in British Universities are required to teach according to strict quality standards aimed at creating accessibility for all to study in UK Higher Education, and in particular for International students.

It is essential for qualified lecturers to be able to accommodate learners from diverse backgrounds by adjusting their teaching methods.

Commercial Links

In addition to having a teaching qualification, it is important to check that lecturers have a relevant and up-to-date professional background in their subject area so that they are familiar with developments in industry, and perhaps even provide live links for their students.

Lecturer and Student Contact Periods

Verify the amount of time students are allocated to meet with lecturers on a 1 to 1 basis included within your course.

Limited opportunity to speak with lecturers on a 1 to 1 basis due to an excessively high volume of students can be a common cause of complaint from badly informed students who study in UK colleges.

Certainly it would be beneficial to check with your college whether they restrict the number of pupils in each class as this will give a rough indication of the amount of lecturer pupil contact time available.

Study Skills

Your study in UK Higher Education may be enhanced by the provision of Study Skills training by the college you have chosen.

Study Skills support, which addresses specialist topics such as essay writing, researching and referencing, may be provided as part of an introductory programme at the start of your course, or offered alongside your course as and when you require supervision.

English Language Support If English is not your native tongue, you may wish to utilize any English language support services offered by your college to supplement your course.

Make sure you are clear about the type of language support offered by your college as Institutions may vary by offering either English language as an additional assessed module, or as optional drop in supervision sessions to complement your main course of study.

In preparation for making that final decision on your choice of college in which to study in the UK, ensure that you receive sufficient proof of the resources which the college is presenting.

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Why Even Gifted Medical Students Need to Take USMLE Review Seriously

Medical students who are intellectually gifted and talented often perform individual tasks at a very high level. These students display exceptional memories and learn at a rapid pace. They are knowledgeable about things which their colleagues may not have even heard of yet. But in the USMLE world, a gifted student may also exhibit extreme anxiety more than the average medical student. Here are some truths about giftedness which will further explain why no medical student should deny themselves the opportunity to participate in an adequate USMLE review:

1. Gifted students are often perfectionists and idealistic. They may equate achievement and grades with self-esteem and self-worth, which sometimes leads to fear of failure and interferes with achievement.

2. Medical students who are gifted may experience heightened sensitivity to their own expectations and those of others resulting in guilt over achievements or grades perceived to be low.

3. Most of the gifted students are asynchronous. Their chronological age, social, physical, emotional and intellectual development may be at different levels.

4. Some gifted students are “mappers” or sequential learners while others are “leapers” or spatial learners. Leapers may not know how they got a right answer. Mappers may get lost in the steps leading to the right answer.

5. Gifted students may be so far ahead of their colleagues or classmates that they know more than half of the lesson before the school year begins. Their boredom can result in low achievement and grades.

6. Gifted people are problem solvers. They benefit from working on open-ended, interdisciplinary problems.

7. Gifted individuals often think abstractly and with such complexity that they may need help with concrete study and test-taking skills. In the USMLE world, they may not be able to select one answer in a multiple choice question because they see how all the answers might be correct.

8. Gifted individuals who do well in school may define success in getting an “A” and failure as any grade other than “A.” Thus, in their USMLE review sessions or a practice test any result that is not a “perfect” result and does not make them feel they are at the top of their class, may make them feel frustrated.

Thus medical students who are gifted and talented need opportunities to work hard on challenging learning tasks. Participating with fellow students in a rigorous USMLE review is an opportunity for talented student both to learn and to be understood by their colleagues. In fact the most gifted students may benefit from such reviews as much as, if not more, than the “average” or “below-average” student.

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Jobs and Career

Getting The Right Locum Tenens Hospitalist Job

The first thing that you need to do is find the jobs, right? This sounds like it should be easy but it can be more difficult than you think. One of the best strategies out there for finding locum tenens hospital jobs is to network. Simply put, the more people that you know who are involved with locum work the better. Your network of colleagues is how you will find job after job after job. Lets face it, finding locum tenens hospital jobs is just like anything else- after you have some success with the first job the process will get easier and easier. If, however, you are unable to locate a locum job because you have no contacts the job can still remain very difficult.

After you have located a few locum tenens hospital jobs you will want to then apply for them. As with all other position, you are going to be required to submit your credentials for review. For locum tenens hospital jobs the credentials can be quite in depth- each position will have specific instructions on what you have to submit to them. It is important that you submit your application in full when applying for these types of jobs. If you submit a partial application there is a good chance that it will not be considered moving forward. Remember- if you have any questions about the application process you can always call the organization that is doing the hiring. They will be more than glad to steer you in the right direction in most cases.

Once applying for locum tenens hospital jobs you will have to go through the interview process just like anything else. However, it should be noted that the first interview for this type of position will most likely be over the phone. Since locum tenens hospitalist jobs are just temporary and part-time it will not make sense for the hiring organization to conduct the initial round of interviews on their campus. Furthermore, many of the applicants may be from other regions which would mean that travel could become a nightmare. If, however, you are selected as a finalist for a locum tenens hospitalist jobs there is a chance that you would have to perform an interview on the grounds of the hospital itself.

Once you interview the last thing that you need to do is wait and see if you are offered the job. If an offer does come your way then you will simply have to negotiate a few details- such as salary- before you get started. All in all, the whole process of getting locum tenens hospitalist jobs is a really brief one. The whole thing can be wrapped up in a matter of a week or two at the most.

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Jobs and Career

Average Salary For Nurse

Contrary to popular belief, nurses are not just there to change the sheets, clean-up after the patients and dress wounds. A career in nursing will give you the opportunity to develop skills that could save the lives of others. The nursing profession has been seen as a truly noble profession and the type of job that not only require certain qualifications but a lot of smarts and the ability to be proactive whenever the occasion calls for it. Nursing is usually thought of as profession for females but there are a lot of competent male nurses out there, who do a very wonderful job.
The nursing profession is also quite stressful, then again which job isnt? The average salary a nurse earns usually depends on the following:
Educational qualification
Experience
Type of nursing profession
The hospital or Organization that he or she is working for
The truth is, in the United States nurses are in high demand because there is a shortage of nurses all over the world.
Please Note: There are nursing specialties that pay by the hour.

Types of Nurses and the Average Salary They Earn:
a)Registered Nurse
The average salary of a Registered Nurse in the United States is about $41,642 per year. About half of Registered Nurses in the United States usually earn from between $38, 792 and about $44,869. Nurses (about 67 percent) are employed in inpatient and outpatient environments. 32 percent of nurses are employed in the following settings:
Home health care agencies
Clinics
Medical offices
Academia
Nursing homes
Government agencies
Temporary help agencies (“Temp Agencies)

I.Average salary of Registered Nurse with three years experience will earn about $47,110 per year.
II.A staff Registered with three years experience will earn about $44,200 per year.
III.A nurse who has a Masters Degree with three years experience is expected to earn $59,600
b)Nursing Specialties
Yes, nurses have specialized practices too, there are cardiovascular nurses all the way to forensic nurses (doesntt seem like a girly profession now, or does it?). Below is a list of nursing specialties and the average salaries earned by nurses who specializes in any one of these nursing fields; however the salaries depends on the organization the nurse works for:
Military Nurse Earns from $57,335 to $120,000 per year
Acute Care Nurse $73,141 to $84,675
Neonatal Nurse $61,170 to $71,010
Adult Nurse $76,841 to $82,988
Cardiovascular Nurse $75,780 to $84,902
Psychiatric Nurse $55,864 to $67,890
Surgical Nurse $34,596 to $54,663
Pediatric Nurse $54,325 to $65,292
School Nurse $34,596 to $54,663
The nursing profession is definitely more than just making good money, you will also have the opportunity to save lives as well. Because of the nursing shortage, you will be at a great advantage because there are lots of hospitals that are offering incentive programs to all prospective nurses, incentive programs which include:
Day care for nurses who have children
Recruitment bonuses
Tuition loan reimbursement
Relocation assistance
Assistance for housing.

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Jobs and Career

The Truth About Forensic Nurse Salary

Forensic nurses working in different departments make different salaries. Forensic nurses make more salary than ordinary nurses. This is because of their more specific training and higher education. Their job also involves more responsibility and risk taking. Apart from that forensic nurses are also available on call which makes their work hours odd and inconvenient. Therefore they are paid more. Emergency room examiners have to be present in the emergency room always. If they are employed by the hospital they get paid a fixed salary. But if they are working on hourly basis or per case basis then they are paid differently. They can be paid anything around 1 – 4 dollars per hour of their service. They can also be paid per case basis. A sexual assault nurse examiner is paid one and a half times more than their basic salary.

These are however not the universal rates. Forensic nurse salary differs from place to place. At some places forensic nurses are paid from twenty six dollars per hour to one hundred dollars per hour. A forensic nurse working in a big city may get paid much more than one operating from a rural setting. Again a nurse with more work experience earns considerably more than one with less experience. Forensic nursing is also a job that tests your intelligence and judgment. A forensic nurse gets paid in accordance with her ability to work. You will be hired by better employers if you prove your ability in working.

As said above there is no universal salary for forensic nurses. There are talks going on about forming a regulatory committee for regularizing the salary of forensic nurses. Until that happens, forensic nurses will be paid in accordance with the convenience of the employers and the employed. Experienced forensic nurses often start their own consultancies. They provide medico legal advice to victims and their families. Such forensic nurse consultants earn more than one hundred and fifty dollars per hour. Depending on their name and ability they may earn much more.

Forensic nursing is an emerging field. Currently there are 7500 forensic nurses employed in the US and are doing an excellent job. The judicial system has woken up to the need of having more and more forensic nurses employed in various branches across the United States. There will be many more vacancies for forensic nurses in the years to come and as their importance increases their payments will also increase. Forensic nurses have a bright future ahead. So if you are planning to become a nurse or if you are a nurse then you could think of forensic nursing as a career option.

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Tips For Homeschooling Your Gifted Child

Many children go to school and find that it is not enough of a challenge for them. Being a gifted student can put children in a precarious position; either being bored at school because they aren’t being challenged, or being set ahead in their grade and risk the wrath of other children because of their brighter than average minds. Many parents of gifted children find that the best course of action is to home school their gifted child, in order to let them learn at their own pace.

In a public school system, your child only move as fast as the slowest student, essentially putting him or her far behind their potential. But before you pull your above-average child out of traditional school, or begin home schooling your bright kindergartner, there are some aspects that you should carefully consider.

As a gifted student, your child may require some extra curriculum, and extra curriculum will add to your cost as a homeschooler. While many children learn well using every day applications or minimal amounts of curriculum, your gifted student may thrive best on workbooks and extra books. While the public library should be able to alleviate some of the financial stress, you may find yourself purchasing more than you thought you would have to, therefore making homeschooling a sometimes expensive option.

Consider the effect that homeschooling will have on your gifted student socially. There is a good chance that because you have a gifted child, he or she already has trouble fitting in with general students or making friends. Traditional school is the traditional way to socialize your grade-schooler. If you find that your gifted student isn’t making friends while homeschooling, consider other homeschooling groups, sports and other activity groups in order to get your child out and making friends without the traditional school setting.

Finally, there is a lot of consideration that needs to go into how much time a parent can commit to the homeschooling of their gifted child. Even if your child requires minimum supervisions, homeschooling requires a generous time commitment from the parent in regards to curriculum planning, teaching and checking and supervising the work.

If you already have a lot on your plate and don’t think you can devote at least four hours per day to your child’s education, then perhaps a traditional school may still be your best option. Talk with your child’s teacher about ways to keep him or her challenged, and you may see him or her flourish in any learning setting.

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The Three Main Professions That Can Be Found in the San Antonio Eye Care Industry

Patients from San Antonio who suffer from adverse eye conditions and vision problems can rely on three classes of eye care specialists for their needs. These three general types of San Antonio eye doctors provide the same high level of care and expertise that their fellow eye professionals from other areas and countries usually exhibit. Through them, San Antonians are readily assured of continuous expert eye care. San Antonio eye care specialists and experts in eye care in general, typically fall under one of three specializations: Ophthalmologists, optometrists, and opticians. All of them are dedicated in helping patients with any difficulties they find in seeing and all of them have the needed knowledge and training to deal with eye diseases and issues. An ophthalmologist can be defined as an eye doctor who is concerned with the medical diagnosis and management of our eyes and vision, and he can also advise us of ways to protect our eyes better. He is also trained to perform surgical procedures to patients who are in urgent need of them. San Antonio ophthalmologists can do careful analysis of our eyes and measure out the limitations of our sight; he can also determine abnormal eye conditions and diseases and prescribe the right kind of surgical or medical intervention for them. Some of them specialize so that they can conduct other needed procedures such as San Antonio laser eye surgery and surgery to correct cataracts. An optometrist, meanwhile, is a type of eye care specialist that practices optometry or the science of the eyes and vision. Unlike an ophthalmologist, he has not undergone instruction and training in a medical school; nonetheless, he is still fully capable of identifying, resolving, and managing some eye and vision problems. San Antonio eye doctors of this type mainly deal with the prescription and equipping of eyeglasses and contact lenses. He may also be able to give you eye medication if you need them, and he can help establish certain eye disorders such as macular degeneration, cataracts, glaucoma, general vision loss, and conjunctivitis. The third type of San Antonio eye specialist is the optician. He works along with ophthalmologists and optometrists in diagnosing sight and eye problems. He is mainly concerned with providing eye management and care to patients who need to undergo expert assessment and specialized surgery such as San Antonio laser eye surgery. However, unlike the first two professions, the optician is not trained to conduct vision analyses and routine eye tests by himself. He can also do modifications and repairs to faulty eyeglass frames and flawed contact lenses. As we can see in the above definitions, San Antonio eye care providers can be classified among three different classes, with each type duly trained and certified to handle sight and vision concerns of their patients. The three classifications are not only true to eye specialists who hail from San Antonio but they are also true across eye specialists everywhere.

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The Mres Clinical Research Masters Course At The University Of Southampton Key Facts For Prospectiv

The MRes clinical research masters course is a robust clinical research training opportunity for those who aspire to clinical academic careers and leadership roles in healthcare practice, research and education.

This masters course in clinical research is for healthcare practitioners from a variety of backgrounds, including: nurses, midwives, allied healthcare professions and doctors, or non-clinicians working in clinical research environments.

The MRes in clinical research will provide the opportunity to acquire knowledge and skills relevant to carrying out clinical research. It can be completed over one year full time or between two and five years part time.

A first degree (2.2 class or higher) or equivalent, in a relevant subject, from an approved institution of higher education is required to study on this clinical research masters degree.

Candidates without a good first degree may be admitted to MRes masters in clinical research course, but will be expected to provide evidence of suitable professional experience and supportive qualifications.

In addition to the above requirements, a candidate would normally have a health professional qualification, leading to current registration with the appropriate professional body, and/or relevant clinical/professional experience.

You can apply to register to undertake the MRes clinical research masters degree course using our online application form, or request an application pack from tel: +44 (0)23 8059 5500 or email

In addition to registering for the degree, you may be required to register separately for your chosen individual modules of study each year, once dates are published. Please discuss this with the programme leader if you are unsure about the process.

The University of Southamptons faculty of Health Sciences offers a range of postgraduate-level options, which are carefully designed to meet the requirements of employers and professional organisations.

You can discover more about the MRes clinical research masters course at the University of Southampton by visiting the Health Sciences home page at www.southampton.ac.uk/healthsciences/