Life as an Expat in Tunisia: Living the Arab Spring

Tunisia is a mere squiggle of a country in northernmost Africa bordered by Algeria to the west and southwest, the Mediterranean Sea to the north and Libya to the east and southeast. The country has become a popular destination for expats of every country despite recent political protests for democracy throughout Arab countries known as the Arab Spring. The smallest of North African countries, the Republic of Tunisia is home to almost 11 million citizens, most of whom reside in the capital city of Tunis on the northern coast.

U.S. Embassy Recommendations

The U.S. Embassy has a number of recommendations for American citizens residing in Tunisia on both a temporary and a permanent basis. The first is a strongly worded encouragement for all Americans to register their planned travel with the U.S. Embassy in Tunis. This registration can be conducted prior to entry into the country via the online Travel Registration Form or in person at the Embassy after arrival. However, it’s worth pointing out that seasoned travelers throughout Africa and Middle Eastern countries often insist that Tunisia is a safer, more tolerant country than other Arab nations more politically associated with the U.S,

In addition to this safety precaution in the event of civil unrest or an international incident, the Embassy also advises all tourists, long-term travelers and expat residents to have a valid expat health insurance policy in the event of illness or injury. This recommendation remains even if an individual reports medical and health insurance coverage in the U.S. via their work or as a dependent remaining upon their parents’ insurance policy.

Reasons for an Expat Residence in Tunisia: Getting In

An increased number of American citizens are now living in Tunisia, prompting the country’s U.S. Embassy to publish an informative guide for American citizens residing in the country and those considering a residence there. According to a booklet published by the U.S. Embassy in Tunis and available online, Americans with U.S. passports are not required to obtain a visa if their planned stay is four months or less. If they plan to stay longer, Tunisian residency visas are issued by the central police station in the district in which the U.S. citizen resides.

Thus, in comparison with other countries, the ability to reside at will in Tunisia is superior to that of most Asian countries that require employment and a specific employer-based visa issued prior to entrance into the country for anything beyond a specified period of time considered as tourist-related.

Reasons for an Expat Residence in Tunisia: Staying There

In addition to the relative ease with which a U.S. citizen can reside in Tunisia, the cost of living in the country is considered markedly lower than within the United States. English lessons, a regular cornerstone occupation for Americans, remain an option in urban areas.

Bon Voyage

Know and follow not only the local law, but also the expected custom of Tunisia and specifically of the district where you live and work. And enjoy a little-known and scenic country.

How To Choose A Car That Will Be Cheap To Insure

Car insurance is a necessity, but monthly coverage can be expensive, particularly if you make the mistake of purchasing an automobile that requires a costly insurance plan. Here are some tips to help you choose a car that you will be able to affordably insure.

Cars That Are Expensive To Repair Are Expensive To Insure

High-end luxury automobiles are some of the most expensive vehicles to insure because they are expensive to repair. If you experience a problem with a high-performance vehicle or you get into a collision, your insurance company would need to pay for pricey, imported parts in order for a mechanic to make any necessary repairs. Cars with affordable, readily available parts will therefore be cheaper to insure.

The Higher The Horsepower, The Higher Your Insurance Bill

Generally speaking the higher the horsepower in a car’s engine, the more that car will cost to insure. You do not need a great deal of engine power in order to commute or go to the grocery store. Insurance companies worry that a high power vehicle will encourage reckless driving behaviors, such as speeding. While many high-performance car drivers are perfectly responsible while on the road, if you are looking to save money on your insurance, you will want to avoid high-performance vehicles. For an affordable monthly insurance policy, avoid purchasing a car with excessive engine power.

car for cheap insurance

Consider Getting Insurance Estimates Before Your Car Purchase

While guidelines can help you make an informed decision about which car to purchase, the only way you will know for certain how much a vehicle will cost to insure is to get an insurance estimate. Once you have picked out a couple vehicle models, get insurance estimates for these cars. Check with your existing insurance company, but also use this time to look around for cheaper rates. Once you get your estimates, you will know for sure how much a certain car will actually cost to insure. Avoid unpleasant insurance cost surprises by pricing out insurance before you make your final pick.

Look For Other Ways To Save On Insurance

Even if you purchase a safe, reliable car, your insurance could still cost more than you can really afford to pay. Remember that there are other ways to save on car insurance other than buying the right car. Ask your car insurance agent if you quality for any additional discounts. Students, good drivers, and homeowners often qualify for additional car insurance discounts that could reduce your monthly payment and make insuring your car a bit more affordable. If you follow these tips, you will save plenty of money each month on your car insurance policy.

About the author

Miles Walker is a freelance blogger who usually writes about getting the best car insurance comparison over at Car Insurance Comparison .org. His recent review looked at where to get an excellent car insurance quote.

Germany is a country with variety that should be explored. Visit all the tourist highlights, but add some more unusual excursions too. With germany car hire it is easy and cheap.

What is Accident Life Insurance?

What is a life insurance case, you ask? Life insurance accident, sometimes called “accidental” life insurance “accidental death” insurance, or “accidental death and dismemberment” insurance (which is partly a health / disability insurance) may be a rider on your current policy, which has special terms of payment in the case of sudden death due to impossible to predict. Typically, in addition to payment of the nominal amount of the policy that would be paid if the insured died from natural causes such as old age or illness contracted after the policy was in force. This payment is typically 1.5x or 2x the death benefit on the main policy.


The insurance industry defines accidental death as “any death precisely because of the accident.” Yes, death due to war, death as illegal activities such as drug trafficking and getting shot or death, resulting from the individual activities are considered inherently dangerous, like Shark Cage Diving will not be taken into account. Aviation accidents, car accidents, and these days can even terrorist attacks will be covered.


Typically, this will result in the rider after a certain age, usually 70 years. But often, these players will pay if the insured dies for some time after the accident occurs – usually the last year – as long as you can prove that the death was directly caused by the accident.


But the case of life insurance can also be purchased on a temporary basis if you are going on a journey. Especially with a variety of vacation packages you can find life insurance cases, which can be purchased as part of the total price. Perhaps this dive, you will be on a ski trip, you will be on the trans-oceanic flight or a cruise, you may decide that you would love to scope out the wolves in the province of Saskatchewan, maybe even go on a two-week trip by car. If you do not have a life insurance policy with a rider, you can buy a temporary accident insurance to cover the risk (and you may want to buy temporary insurance anyway).


Sometimes these policies also cover you financially in the event of accidents caused the death of a spouse or child on the same trip with you.


It might be wise to check out the  accident death life insurance , if you intend to travel, such as those listed. But if you already have a good amount of life insurance you probably do not need it. And as for the accidental death of the driver – it has no practical significance, since life insurance is to cover premature death. Most policies already pay for accidental death, not the extra amount. Usually accidental death riders just peace of mind. They are very cheap because they usually do not pay, but you’re still paying the extra money.

Seven Things You Never Knew About Student Loans

Student-Loan-ConsolidationThe cost of attending college has risen faster than our country’s inflation rate, and it has been that way for quite awhile. So, it comes as no surprise that many students borrow money to pay for higher education. Unfortunately, a majority of college graduates will also owe a lot on their student loans.
Here are seven things you never knew about student loans:

1)Youth Is No Excuse for Failure to Pay on a Loan:How young college graduates manages their student loan is very critical to the status of their personal credit. Non-payment of a student loan is a poor way to start your credit history, as this will show up on future credit reports and could jeopardize you receiving any type of loan in the near future. To stay out of trouble, call your lender if you cannot make your monthly student loan payment.

2) You Cannot Declare Bankrupt:Since 1977, the federal government has banned the use of bankruptcy as last resort for student loan debt. Legislators fear hardship is being indirectly placed upon the private lending community. Others urge for a change in the current law that would assist private student loan borrowers to have some sort of liability to protect them from lenders.

3) Shop for a Good Student Loan:The price of tuition should be an important part on where you will attend college, as many students are turning toward private lending intuitions. We have seen a large increase on private student loans being administered without any involvement from the school. This loan’s interest rate can range from 5-to-15 percent with no limits on the amount of fees and penalties administered.

4) Students Can No Longer Receive Subsidized Loans:There’s a little-known provision in the Budget Control Act of 2011, which eliminates subsidizing loans for graduate students. But, they can receive an unsubsidized loan; unfortunately the interest rate will accrue over the length of time in school.

5) Loan Forgiveness:
If a student becomes a volunteer for such groups as AmeriCorps, the Peace Corp or entering the military, then their student loan might be cancelled. Contact your university for more information.

6) Multiple Options for Rate Reductions:
If you enrol with your bank to have your student loan payment auto-withdrawal each month, then you’re eligible for a rate reduction over the life of the loan. Lenders tend to offer incentives to those that pay their student loans on time with a possible reduction of the principal.

7) Do Your Own Research on Student Loans:If you think you need a student loan, then do your homework and ask plenty of questions before settling on a specific loan. Your local department of education and the school’s financial aid office are good resources, but never depend on them for choosing the right loan or lender for you.

Author Bio: Amy Lawson is a content writer. She is a parent of two kids. Her interests are Films, Travel & Technology and Eco Living. She is a professional blogger from London and have written many articles on Entertainment, Finance and Health categories. Now she is doing research on child tax credit helpline, working tax credits contact etc.

8 Excellent Strategies to Save on Your Life Insurance Premium

We are all looking for new ways to save on the myriad of bills which eat into our income each month – but what do you cut back on? Do you buy the cheaper toilet paper, do you start catching the bus to work or do you cut the kids’ hair yourself? Before you look at your life insurance as just another bill you can’t afford each month, why not raise the following points at the next family meeting, because there are some excellent ways you can make your insurance premiums more affordable.

1 – Change your insurer

There are hundreds of different options available to you when take out a life insurance policy, and these options continue to change once you’ve made a decision too. Therefore, if your policy premiums are getting too expensive, start comparing other life insurance quotes and policies out there.

Luckily you’re not the only one looking for a better deal, and there are a number of ways you can quickly and easily compare the hundreds of policies available in Australia, all in one place. For example, Life Insurance Finder offers you clear and detailed comparison tables where you can view features, fees and premiums of the policies which best suit your needs, before jumping to a review to find out more, or apply. If you are not happy with the service and prices from your current life insurance provider then you have to vote with your feet and find a company who is willing to work with your situation.

2 – Reduce your cover amount

You don’t need to put your family at risk of financial stress if you were to die by cutting back your cover, but you simply need to look at what you’re really paying for, and whether you really need to be paying for the full amount. Take a look at your assets and your liabilities and work out how much your family would really need to live on. It is possible your cover amount is more than you need thanks to an overzealous salesperson, or your needs have now changed because you’ve paid off your mortgage for example.

3 – Reduce the term of your policy

If you took out life insurance some time ago, look at what your financial needs are now. For example, you may have taken out a term life insurance policy which would see you through to 85, but if you’re now approaching retirement and you’ve made some good investments and have a healthy nest egg which you’re unlikely to run through before you die, will that be enough for your family to live on when you die, and can you cut back on the life insurance policy from here on in?

4 – Switch to a term plan

If you have a permanent plan, or whole of life, insurance policy, you can reduce your premiums by switching to a term life insurance plan. Just make sure that the switch will be worth your while, because you may not see as much benefit if you have been paying your permanent plan for many years.

save money on life insurance premium

5 – Cancel additional options

When you take out a life insurance policy you can be swept up in all of the extras, but if you need to save on your premiums then look for ways you can cut out those additional options you don’t need. This is why it is so important to regularly assess your situation and your life insurance policy because as your life changes, so too do your insurance needs, and when you pare down your policy to what you really need, it can turn out you can afford it.

6 – Weigh in

You can also reduce your premiums by reducing your level of risk, for example if you are overweight, then you will be paying higher premiums. However, if you are able to change your lifestyle then you present less of a risk, and there is less chance you’ll cash in your life insurance policy early; and don’t worry if you’ve made a lifestyle change since applying for your policy because you can contact your insurer and be reassessed.

7 – Stop smoking

In the same way you are a high risk to an insurance company if you are overweight, the same is true if you are a smoker. Therefore, try and kick the habit and you’ll save on your insurance, you’ll be able to save the money you were spending on cigarettes, and you’ll save your life. You will usually have to wait 12 months before being reassessed once you’ve quit smoking.

8 – Curb your drinking

Your body reacts to alcohol as though it were a poison you had ingested, so it is no wonder there are so many health risks associated with excessive drinking. To reduce your level of risk and your life insurance premiums, cut back your intake and you’ll not only feel better, you’ll save on your premiums and at the bottle shop.

About the author

Kristy Ramirez writes for Life Insurance Finder where she helps people to compare life insurance quotes and select the best policy to meet their needs at the best possible price.

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Wedding Bells on a Budget: Have Your Cake & Eat It Too

Weddings are one of the most joyous occasions we can experience. But it’s estimated that the typical American wedding costs are $24,000, with most couples spending anywhere from $18,000 to $30,000 on their big day. Beside making a checklist and creating a budget, here are 9 ideas to help keep nuptial expenses down.

1. Cut the Guest List

Did you know that the average number of guests at a wedding is 157? With meals costing approximately $40-$50 per person, you may need to slash the guest list. The most diplomatic way to do this without hurting anyone’s feelings is to determine how many guests you can afford to invite, look at the number of people in your immediate family, and extend outward in familial “rings.”

First consider how many parents and stepparents are on your list, and then count the number of grandparents, siblings and spouses. If you can accommodate more individuals, look at close friends, aunts and uncles or perhaps first cousins.

2. Buy Your Dress Off the Rack

Of course the dresses in the bridal magazines look spectacular, but there are plenty of discount wedding stores that sell stunning yet inexpensive gowns off the rack. With a number of bridal stores going under due to the economy, walking out of the store with your dress rather than waiting months for it to arrive via special order also gives you the security of knowing the dress is safely in your closet.

3. Ease Up on the Alcohol

Weddings are about celebrating your happy day, not about an open bar that’s loaded with liquor. Cut out one of the biggest costs of your reception by limiting your alcohol options to wine and beer. If wine and champagne will be served during the meal, feel free to close up the bar once the main course is served.

4. Look for Hidden Costs

Many brides-to-be are shocked to discover that some venues charge a “cake cutting fee” for every slice of wedding cake that’s cut, a “wine and champagne corkage fee” for every bottle opened, and even a coffee-serving surcharge. Negotiate with your reception provider to have these silly fees removed.

wedding on a budget

5. Consider a Hotel

If you are lucky enough to live in an area where the weather is lovely year-round you may want to consider an outdoor wedding. But if you live in a city that periodically experiences inclement weather, consider moving your wedding and reception at a hotel. Holding your ceremony and reception at one location eliminates the need to rent limousines and rush from one spot to the next.

Hotels that offer amenities such as a pool, on-site restaurants, nearby shopping or free transportation to and from the airport can make your nuptials convenient for out-of-town guests. As an added bonus, many properties give the bride and groom a complimentary stay in their honeymoon suite following the wedding festivities.

6. Consider a Morning Wedding

Evening weddings usually cost more due to the expense of the meal. Price out more affordable options such as a breakfast, brunch or late-afternoon receptions where you can serve lighter meals, fresh fruit and sweets, crudités or hors d’œuvres with wine or champagne.

7. Get Married Any Day Except Saturday

Saturday is the most popular day of the week to marry and often the busiest for churches, wedding halls, photographers, bakeries and hotels. Studies have shown that the most expensive time to get married is at 7 p.m. on a Saturday night. Because Saturday prices are so high, booking your wedding on any other day will be a bargain.

8. Let Bridesmaids Select Their Own Dresses

When it comes to cutting costs, consider your wedding party. Why force your girlfriends to spend hundreds of dollars on dresses they’ll never wear again? Make your wedding day a special occasion for your bridesmaids by providing general color and dress guidelines and then let each woman select a gown that she can afford and will be able to wear afterwards.

9. Choose Flowers that are In Season

Flowers are an instrumental part of most weddings but there’s no need to break the bank by purchasing elaborate and pricey bouquets. Come up with a budget for flowers and rely on your florist’s expertise to help you select affordable seasonal blooms. Load up on greens and baby’s breath so that your bouquets aren’t as costly and ask your florist to recommend reasonably priced arrangements.

Your wedding day should be everything you’ve dreamed of. But remember that you can still have a wonderful marriage ceremony and reception without breaking the bank. Spend more on items with real sentimental value, which will become keepsakes or heirlooms.  Be frugal with things (like food) that are gone in an instant so you won’t come away bogged down with years of debt for a 4-5 hour event.

About the author

Evelyn Chambers is a wedding planner and part-time blogger, who loves unique gifts and cards like the handmade wedding cards from Lotus Art Studio

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Top 10 Jobs Expected to Grow in the Next Decade

With a tumultuous economy and dramatic unemployment rates, millions of people are out of work.  While a complete recovery is still a lofty goal, specialized fields of employment are projected to increase by 20.5 million jobs between 2010 and 2020, according to the Bureau of Labor Statistics (BLS). By planning for a new career now, you can ensure success in the years to come as the jobs described below blossom.

10. Security Guard

This occupation is expected to gain 18.8% more jobs in the next eight years. The average salary for an employed guard is $24,000. Many security guard companies offer overtime and extended pay for armed certifications. To be eligible for this career, you require a high school diploma and many states also require that you complete an unarmed security guard certification course.

9.  Construction Laborer

We are a nation built on expansion, and even with an economic downturn, this is still true. Construction and labor jobs are expected to rise by 21.3%. The average yearly income is $30,000. A high school diploma is not required, however experience is generally preferred. This is considered to be an apprenticeship career, as you will learn a specialized trade under the close watch of a master before working on your own.

8. Heavy and Tractor-Trailer Truck Drivers

Transportation of goods is an industry that is recession proof. As our economy recovers, this career path has an assumed growth of 20.6% by 2020. The average salary for a truck driver is $38,000. You will be required to have a high school diploma, and most companies also require that you attend a school for specialized training.

7. Physicians and surgeons

The healthcare industry overall is expected to grow dramatically as the baby boomers age. They will be requiring more medical assistants and therefore putting more demand on our medical system. Physicians and surgeon jobs are expected to grow by 24.4%. The average salary for this position is $112,000. While substantial, it also requires a doctorate. This is a large investment in time and money, however it will result in a high-paying and rewarding career.

6. Medical assistants

The increase of the health care industry means an increased demand for medical assistants as well.  These careers are expected to rise a dramatic 41.3 percent by 2020. The average salary is $31,000. Medical assistants require at least a high school diploma, and most offices will require an associate’s degree or other specialized training.

5. Customer Service Representative

Every company is concerned about customer support. While not all require specific representatives, many are starting to expand their customer service departments. With an average pay of $30,000 per year, it is a lucrative career. The only requirements are a high school diploma and great communication skills.

4. Office Clerks

As companies grow, they need clerks to handle general office responsibilities. This field is expected to rise by 23.7%. The average salary is $26,000. Most offices will expect prior experience. The minimum requirements are a high school education and being proficient with modern technologies.

3. Retail Salesperson

Retail sales jobs are expected to increase by 16.6%. A high school diploma is generally not required, although is generally a plus. Experience in retail will help distinguish you from other applicants. Employers are primarily seeking excellent people skills and selling ability. The average salary for a retail career is $20,000, however certain jobs will offer commission as well.

2. Registered nurses

With the aforementioned increase in the medical industry, there will be an increase in the need for registered nurses.  An associate’s degree is required, as well as specialized training and an internship. The average salary for a registered nurse is $65,000 and for those who go as far as a Masters in nursing this can be even higher. Nurses are presently 30% understaffed nationwide, leaving massive potential for anyone interested in receiving a degree in nursing..

1. Personal Care Aides

As the baby boomers enter an age of dependence, personal care aides will help them manage their medication, doctor appointments, and other tasks to get through life. This field is expected to grow the most, by 70.5%! The average salary for a personal aide is $20,000. A high school diploma is not generally required; however it will greatly help in finding employment. Specialized training is also available to help you stand out from the crowd.
By pursuing a career in one of the above careers, you can ensure that you outlast these tough economic times. There is still plenty of growth available, and properly planning for a career will help you be successful.

Note: All statistics in this article are from a report released by the Bureau of Labor Statistics.



This article was written by Justin Davis who is pursuing an MBA degree online and taking all the necessary CFA prep classes he can to prepare himself.  He expects to have his degree by next year.


The Careers an Organizational Leadership Degree Could Lead To

When you are weighing your educational options, one of the most versatile degree programs that you can enter is organizational leadership. Covering subjects as diverse as finance and communication, as well as specific skill building courses such as decision making, an organizational leadership degree gives you the skills and knowledge that you need to lead organizations of all sizes and in all industries.

For example, some of the positions you could expect to qualify for when you hold an organizational leadership degree include:


Have you ever wondered how someone ends up in the corner office? Sure, some people get there because, well, they own the company, but in many organizations, the CEO or President title is one that is earned. You don’t just become a CEO overnight, though; most of the time you won’t be plucked from the rank and file of employees to run the whole company. It often takes many years of experience – and high performance – plus a great deal of education to gain the knowledge and skills that companies are seeking in their top-level leadership.

Earning a degree in organizational leadership, though, is one step on the path toward being the head honcho. In addition to a thorough understanding of business principles, most CEOs have training and experience in leadership, change management, decision making, problem solving and communication – all of the subjects that organizational leadership programs cover. So while you might have to spend a few years working as a department or general manager, or another leadership role, your organizational leadership education sets you well on your way to overseeing the entire organization.


General and Operations Manager

Both public and private sector organizations hire managers to oversee the functioning of the organization. A general or operations manager is generally in charge of the overall functioning of the organization, and sets goals, budgets, policies and plans how materials and human resources will be used in the daily functioning of the business. However, in some businesses, especially large organizations with multiple departments or functions, managers are more specialized. An organizational leadership degree combined with experience in one of these areas allows you to move into a management role somewhat easier.

For example, a leader with experience in public relations might manage the communications department, while someone with a combination of organizational leadership and finance skills might be in charge of the finance department. No matter what your background, studying organizational leadership augments those skills and opens the door to leadership and management positions in that specific area.


Nonprofit Management

Some organizational leadership programs focus on nonprofit management; with a degree in this field, you’ll be equipped to hold a leadership position at a nonprofit or philanthropic organization. Nonprofit managers perform similar tasks to managers in the public sector, such as managing personnel and budgeting, but are also well-versed in the specific issues that face nonprofit organizations, such as fundraising and development and issues regarding the maintenance of tax-exempt status. However, working in the world of nonprofits allows you to combine your passion for a cause with your overall career.

Human Resources Manager

When you think of human resources, you probably think of the department that accepts resumes and conducts job interviews and handles all of your benefit paperwork once you’re hired. And while those tasks certainly fall within the realm of human resources, today’s human resources managers do more than just hire and fire employees.

With almost endless changes in laws surrounding employee relations, increased efforts to retain employees and a growing need for communication between management and employees, human resources managers have a more important role than ever before. With a degree in organizational leadership, you can pursue a career in this exciting field.

These are just a few of the career options after you earn your organizational leadership degree. Even if you do not immediately land a leadership position, though, the skills you gain in one of these degree programs actually help you excel in any role – and stand out as a top-notch employee. So if you have any interest in serving in a management role or improving your professional accomplishments, consider studying this field. No matter where you want to work, employers will be impressed that you understand and exemplify all of the qualities of a future leader.


This article was written by Justin Davis who has been pursuing an online leadership degree for the past few years.  He expects to have his degree by next year.



Known Business Leaders And What They Did To Be Successful

Being a known successful business leader needs much input, hard work and sacrifice. Many names come up when looking for leaders who have made it. These did not just sit around and watch their businesses grow from the couch. They put all their efforts and faith in their work and finally reaped the fruits of their toil. We look at some great men who have made in as business leaders and how they made it there and managed to stay on top.

1.     Sir Richard Branson

He is the owner of the Virgin Group of Businesses. He started in interests in business at a young age that some people do not think is possible. It was quite a challenge for him. He was repeatedly rejected in his pursuit for excellence, but kept on fighting. Consistence is a valuable virtue to possess as a leader. When faced by challenges, you do not give up; instead, you put more effort and maintain the faith. Hold on to your objectives and review your vision every day in order to be successful. Invest in your own business. Invest time, money and other resources. Motivate the people you work with to ensure your success.


He found Amazon, which is a common online shopping spot. He is also a successful entrepreneur in America. While still at a tender age, Jeff developed some interest in the internet. He did not wait to grow older to develop his interest. He took the parents’ garage and started working on his business. He watched the market in his area of interest. Jeff looked at the market he was venturing into. The internet was a highly emerging business venture that was promising to succeed. He sacrificed other things that seemed important to him at the time and ventured into the internet.


1.     Larry Page

He is the co-founder of Google. He has been through many challenges, which he has faithfully endured. He took charge of his business interest and remained positive. He never let anything that came his way destruct him from his goal.

2.     Brad Smith

He is the CEO of Intuit, which is a financial software company. Brad encourages teamwork and acknowledges it as what has led him to succeed. He creates an environment where his workers are free to be risk takers and learn from their mistakes. He values customer satisfaction. Working towards your customer satisfaction is important to your success. He also mastered the art of getting rid of anything that hinderedhis development. These are challenges and barriers of innovation.

3.     Indra Nooyi

She is the CEO and chairlady of PepsiCo, succeeding in what is considered a man’s world – this is a challenge to many women. However, she has succeeded and ranks at the top because of creativity and being vigilant. She does not let negative criticism pull her down.


For you to be a successful leader, it is important to copy some of this few traits that have effectively worked for these leaders. Use them to get to where they are. They are not easy but they are worth.


Author bio:

Caroline has deep interest in the world of business. She writes articles on succeeding in business, and mentions Ron Hovsepian as one of the most successful in his field. She also looks at some of the things that make you successful and known.



So What Can I Do With an MPA?

The benefits of having an MBA degree are well-known, but what about the benefits of having an MPA? There are a wide variety of career options available to those who have a Master of Public Administration degree. Similar to an MBA, an MPA provides experience and training in the areas of organization and management, usually in government or nonprofit sectors. However, MPA degrees can also help graduates gain employment in non-governmental organizations (NGOs). But what exactly is the difference between the two degrees?


A Masters in Business Administration focuses on aspects of business such as finance, accounting, management, marketing, and human resources. MBA holders work in the private sector and while Masters in Public Administration holders can and do as well, it’s not as common. The MPA degree focuses on topics such as urban planning, public financing, community development, administrative law, and budget processing, making it the ideal degree for a student interested in a career of public service.

Career Paths

So what can you do with an MPA? The following are several career areas and specific job titles MPA graduates have attained:

Organizational Leadership

Positions in the field of organizational leadership exist in both the business and educational fields. In business, this is usually an executive position in which either specific problems within a company are solved and productivity is increased, or an individual branch of a company is managed and communications are improved. In education, this position is that of a school administrator. Specific job duties vary depending on the position and title held, but responsibilities can range from overseeing budgetary issues to helping create new procedures and policies. Specific job titles within the career field of organizational leadership can include:

  • Presidential Management Fellow
  • Personnel Management Specialist
  • Executive Assistant (working with State Secretary office holders)
  • Benefits Coordinator

Health Policy and Management

Careers in health policy and management are concerned with many aspects of healthcare including cost and quality of care, the structure and outcome of services, and financing. Leadership and problem solving skills are both necessary to resolve organizational problems and to communicate policy. An MPA degree holder can attain positions such as:

  • Health Policy Analyst
  • Senior Policy Analyst
  • Consulting Analyst
  • Hospital Manager

Presidential management fellow and medical student are also positions that have been attained by MPA graduates.

State and Local Management

This is a career path with an incredibly wide scope ranging from positions at the city level all the way up to the federal level. The possibilities are nearly endless, with the following being just a small sample of career options available:

  • City Planner
  • Associate Fiscal Policy Analyst
  • Senior Consultant
  • Budget Analyst

Financial Management

Financial managers analyze data and make recommendations on the maximization of revenue and profit. The particular job duties are highly dependent upon the industry or organization the financial manager is working in. No matter what that might be, a financial manager is ultimately responsible for an organization’s overall financial health. Job titles can include:

  • Regional Coordinator
  • Controller
  • Finance Officer
  • Risk Manager

Community Development and Nonprofit Leadership

Building infrastructure is the core element of a career in community development and nonprofit leadership. The types of infrastructure can encompass economic, political, social, or cultural areas and degree holders can find themselves working in both public and private organizations, as well as nonprofit or community-based organizations. Just some of the possible jobs within this career path include:

  • Housing and Community Development Consultant
  • Program Coordinator
  • Program Development Associate
  • Contract Specialist
  • Coordinator of Vacant Properties

This is a career path in which a graduate can truly make a difference in their community both at the neighborhood level and in a wider scope by effecting change in policy and the utilization of resources.

The Future

An increasing number of today’s college graduates are placing social good at the top of their priority lists. As a result, these graduates are seeking careers in government rather than with big corporations, making an MPA an ideal degree to pursue. With the variety of career opportunities available, a Master of Public Administration is a very useful degree, indeed.


This article was provided by Kim Whitman, who knew she wanted to work in the health field. She looked at RN to BSN online programs. She ultimately chose a different path and got her MPA instead, she now has a rewarding career as a health Policy Analyst.

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