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Posted June 18, 2016 by

5 insurance facts for recent grads

Photo by StockUnlimited.com

Photo by StockUnlimited.com

When an individual is starting their career, it’s important to realize that life will throw many unexpected events on their way. This is something that happens to everyone. Having the right insurance can make getting past a difficult situation a lot easier. Financial experts agree there are a variety of insurance options available. There are also some types of insurance that are considered essential for dealing with unexpected things that can occur at any age.

1.    Individual Situation

It can be a challenge for a person starting a career to know what insurance they should purchase. Purchasing the right kinds of insurance should be determined by a person’s individual situation. A number of factors will determine this. It will involve employment benefits, age, lifestyle, and more. There are four different types of insurance experts recommend everyone have. They are health insurance, life insurance, long-term, and short-term disability insurance as well as homeowners/renters insurance.

2.    Health Insurance

In many cases, people starting a career could be just one serious illness away from disaster. According to a study done by Harvard University, 62 percent of all bankruptcies in the United States were a result of health related issues. Over 75 percent had some form of medical insurance. If a person has health insurance through their employer, they may want to consider the best plan offered. The key to getting the best possible health insurance is for a person to do research and know all of their options. Sometimes the least expensive health insurance is not always the best deal. Even with rising high co-payments and deductibles, health insurance is still something people must have. A minimal health insurance policy is still better than not having any type coverage.

3.    Life Insurance

According to an article in US News, people don’t often think of purchasing life insurance until after they’re married and have children. The reality is a younger person will be able to purchase a life insurance policy at a very low rate. This policy will grow in value over time. These types of life insurance policies can be adjusted as a person gets married and has children. This is the time when a person’s death could cause a financial burden to those who depend on them. If a person is unmarried and does not have children, it is also important they purchase life insurance. There is a good chance they will leave behind debts such as student loans, credit card bills, auto loans that must be paid. Without life insurance, these debts will become the responsibility of family members.

4.    Disability Insurance

This is the type of insurance people starting a career believe they may not need. Nobody who becomes injured or disabled on the job believed it would happen to them. According to statistics from the Social Security Administration (SSA) approximately 30 percent of individuals entering the workforce eventually become disabled. These are disabilities that make it impossible for a person to work until their retirement age. Workers with the best health insurance, generous savings, and good life insurance are not completely prepared to become disabled. Health insurance will cover medical bills and hospitalization. It’s common for employers to provide their employees with both short-term and long-term disability insurance coverage. If a person is an independent contractor or owns their own business, they can get this type of coverage from a private insurer.

5.    Homeowners/Renters Insurance


When a person is starting their career, they may need to rent a place to live. There are some leases that require a person to have renters insurance. This type of insurance will cover a person coming into a rental unit and getting injured. It can also cover a person’s things that might be stolen. Should a renter make a mistake and cause damage to the rental unit, this type of insurance may cover the damage. Should a person own a home and have a mortgage, the lender will probably require them to purchase and maintain homeowners insurance. In many cases, failure to pay a premium may be reported to the lender. Homeowners insurance is designed to cover the destruction of a structure, its contents. It can also protect a homeowner if someone is injured on their property and much more.

Michael Rogers, guest writer

Michael Rogers, Operations Director of US Insurance Agents

Do you need help making other major life decisions as a recent grad? Keep reading our blog for more tips and follow us on LinkedIn, Facebook, Twitter, and YouTube.

 Michael Rogers is the Operations Director of USInsuranceAgents.com. With over five years of experience and knowledge in the insurance industry, Michael contributes his level of expertise as a leader and an agent to educate and secure coverage for thousands of clients.

 

Posted June 11, 2016 by

10 summer internship opportunities for 2016

Photo by StockUnlimited.com

Photo by StockUnlimited.com

Do you imagine yourself with your own business or want to improve your skills? The best way to become a shark in any industry or business is to gain experience through a summer internship with top world companies and organizations.

Internships in Europe or USA’s top companies can help you to get skills you never had before. After the program, you will return to your home country with a backpack full of knowledge and skills. In this article, we’ve collected a list of 10 summer internship opportunities in the U.S. and abroad for 2016-2017 that may catch your interest.

U.S. Embassy in London and Paris – Internship in International Relations

Generally, U.S. Embassy’s Internship in IR is an unpaid program. Nevertheless, they offer a Pamela Harriman Foreign Service Fellowship for students majoring in international affairs. This fellowship provides a $5000 grant to one intern at each U.S. embassy abroad. Start with interning at the U.S. Department of State, and you will have a chance to land the Fellowship. But don’t be upset if you didn’t get the grant; interning at the Embassy could give you a perfect ability to start your international career and gain positive experience in your field. This is not just an ability to work at the embassy; it’s a chance to become a part of something really important.

The World Bank – Internships in Economics, Finance, and other related fields

This summer internship program provides learning and first-hand experience to students and junior career professionals. Interns generally admit significant improvement of their skills and gain positive experience while working in a diverse environment. To be eligible, you must have an undergraduate degree and major in one of the following fields: economics, finance, education, social studies, or agriculture. Professional experience and fluency in foreign languages will be advantageous for your application. The Bank pays salaries to all interns and provides an allowance to travel expenses (on the individual basis). Located in Washington, D.C., the World Bank offers a training of four weeks minimum in duration.

KONE – internships in IT, Engineering, Business and Law

KONE is the global leader in the elevator and escalator industry and well-known for its solutions for modernization and maintenance of urban buildings. KONE offers various traineeships and internships in its units around the globe and can be an excellent starting point for entry-level professionals. The company looks for cooperation with senior students and gives the opportunity to write thesis assignments together with KONE’s professional mentors. This cooperation will complement your theoretical education and provide you with valuable industry insights.

Goldman Sachs – Internship in Financial Markets

Goldman Sachs provides you with an internship as a summer internship analyst. You can participate and intern almost everywhere you like as their offices are located all across the Europe, Asia, Australia and Africa. Despite that the program has no specific or strict requirements, any academic achievements would be advantageous for you. Interning in Goldman Sachs, you have a chance to get a full-time job position after you finish your summer internship.

H&M – internships in Business, Engineering

For those who love fashion, you may like this internship program. H&M offers an internship at their headquarters in Sweden. Participation can be a bit competitive, and you have to submit your application a year before you plan to intern. But imagine six weeks living abroad and working at one of the most successful companies in the modern world. That’s worth the effort, right?

Projects Abroad– Internship in Journalism

If you are looking for non-paid, but ultra useful, challenging yet really rewarding experience, you should try to participate at a Projects Abroad. This company offers two types of an internships: a Print journalism and a Broadcast placement. A Print journalism provides you with a job at a certain newspaper or magazine of a local community while a Broadcast placement will provide you with a job on the TV or a radio station. Together with hands-on industry experience, you get the opportunity to intern and travel the world – Projects Abroad has its offices in many countries, including Argentina, China, India, Jamaica, and Romania.

KPMG – Internship in Finance

This company looks for interns interested in finance and economics. The KPMG provides work with audit, advisory, and taxes in diverse spheres of business. The biggest advantage of this summer internship is that the corporation will cover all expenses of an intern, including flights and medical insurance. KPMG can become a perfect starting point for financial enthusiasts.

IAESTE – internships in technical fields

IAESTE is a worldwide company with many internship programs in engineering, computer sciences, architecture, and other technical fields. These internships are hosted in more than 80 countries around the world. There are no special requirements for candidates. However, if you know the local language, it will be much easier to adjust in a new environment. IAESTE internship gives its participants an opportunity to obtain new skills, get practical experience, and establish a vast network of potential partners.

Deloitte – Internship in Business

With Deloitte, you can intern in Brazil, China, Spain, Sweden, or Turkey. The internship opportunities are open to both freshman and senior students. Together with Deloitte professionals, all interns will explore peculiarities of the modern workplace and global markets and foster business relationships with leading experts in the industry. Note that prior to going abroad, the company will ask you attend a special two-weeks training session in your home country.

Gap Medics Ltd – internship in Medicine and Dental fields

It’s not a paid summer internship, but it is a unique opportunity to gain perfect experience. This is a big international company that provides students of medicine and dental majors with an opportunity to improve their critical and soft skills while travelling in one of the most beautiful parts of our world. You can become an intern in Croatia, Poland, and Thailand or in the Caribbean. The Gap Medics Ltd offers programs in Spanish and English that enables more students to have practice in their field. Also, during the internship, you will be able to address all your issues or questions to company’s support team that operates 24/7.

Hope this information will help you find a perfect internship for the summer. The business world has many opportunities for you to improve your skills and intern abroad during the summer; just believe in yourself.

Emma Rundle, guest writer

Emma Rundle, guest writer

Searching for a summer internship right now? Check out the internships posted on College Recruiter.com and register to have new job postings sent directly to you. Be sure to follow us on Twitter, LinkedIn, Facebook, and YouTube as well.

Emma Rundle is a student, blogger and freelance writer for Eduzaurus. In Emma’s opinion, one of the primary goals in life is helping people, especially students.

Posted July 29, 2015 by

Health Insurance Options for College Graduates

Brandon Cruz

Brandon Cruz, President of GoHealth Insurance

Graduating from college is an exciting time that is full of new experiences. While embarking on the post-college journey, it’s important for new graduates to consider how they intend to obtain health insurance. The good news is that today’s young adults may have more options than in the past. Consider six different ways for college graduates to get covered. (more…)

Posted March 30, 2015 by

Leaving the Nest: 3 Tips for a Smooth Transition

Woman labeling moving box at home

Woman labeling moving box at home. Photo courtesy of Shutterstock.

As graduation day and taking on your first real job get closer, the realities of true adulthood and independence begin to show themselves. This may feel like a scary time, but like most young adults, you’ll simply learn how to handle situations as they come. But to get you started, these three tips will help manage some of the more pressing issues. (more…)

Posted December 13, 2012 by

Annual Salary Increases More Important to New Grads Than Medical Insurance Benefits

Marilyn Mackes of the National Association of Colleges and Employers

Marilyn Mackes of NACE

Annual salary increases are the most preferred benefit among job-seeking new college graduates, according to results of a new study by the National Association of Colleges and Employers (NACE).

Historically, graduating seniors taking part in NACE’s annual student survey have placed medical insurance in the top spot, according to Marilyn Mackes, NACE executive director. (more…)

Posted September 20, 2012 by

Wellness Programs Reduce Medical Costs, Increase Productivity, and Reduce Absenteeism

Amy Kaminski of Compdata SurveysIn 2012, roughly two-thirds of manufacturing and distribution industry employers experienced increases to their medical insurance premiums, according to the 2012 Compensation Data Manufacturing & Distribution survey results. The average increase reported by these organizations was 10.2 percent, down from 11 percent reported in 2011. Despite the drop in the average premium increase, manufacturing and distribution organizations still contribute 10.5 percent of their total payroll costs toward providing medical insurance to their employees. Employers everywhere are looking for ways to curtail rising healthcare costs and as a result, many are turning to wellness programs.

For years, wellness programs have consisted of traditional options such as weight management, tobacco cessation programs or offering flu shots and immunizations. But over the last few years, some wellness options have shown a more accelerated rate of use. Biometric screenings, which measure an individual’s blood pressure, body mass index (BMI), cholesterol and blood glucose in an effort to identify risk factors, are a good example of this trend. In 2009, biometric screenings were offered at only 17.4 percent of manufacturing and distribution organizations surveyed, compared to 44.2 percent in 2012. Physical fitness facility access, on-site health clinics and offering rewards and incentives have also increased over the last few years. (more…)