Find Out The Difference Between PTE Vs. IELTS Vs. TOEFL

One of the most common hurdles that students face in their journey of studying abroad is proving their English proficiency. For this purpose, most international universities provide a general requirement of proving a students’ English proficiency through English Proficiency Tests (EPTs). Most students are confused between PTE vs. IELTS vs. TOEFL and are in a fix when it comes to choosing which test to opt for. 

Before we dive into the differences between the three tests let us first learn the basics of EPTs and what these acronyms stand for. 

The Basic Structure Of An EPT 

Most EPTs test students in four areas and they are: Reading, Writing, Speaking and Listening. All Higher Education Institutions (HEIs) have their own preferences when it comes to establishing the English language requirements. PTE vs. IELTS vs. TOEFL are always the top choices and are battling in offering the best deals to students. 

While giving IELTs you have the option of giving a paper based test, you may now opt for a computer based IELTS exam. Similarly, you may appear for a paper-based TOEFL exam if your institute does not accept an iBT or an Internet-Based Test. PTE on the other hand is mostly used for academic purposes and visa verifications predominantly in the UK and New Zealand. However, the major difference between IELTS vs. TOEFL vs. PTE is that PTE has combined its writing and speaking sections into one. 

PTE Vs. IELTS Vs. TOEFL – What Do They Stand For? 

IELTS 

IELTS stands for International English Language Testing System and is one of the most commonly accepted in the UK and Australia and is co-owned by the British Council, Cambridge English Language Assessment and the International Development Program of Australian Universities and Colleges. 

TOEFL 

After IELTS, the most common EPT is TOEFL and it stands for Test of English as a Foreign Language. The test is developed by the Educational Testing Service (ETS) and is the most widely accepted EPT at par with IELTS. TOEFL is accepted in Canada, the USA, UK and Australia and by over 10,000 universities and institutions around the world. 

Also Read: Which Are The UK Universities That Accept Students Without IELTS?

PTE 

PTE stands for Persons Test of English and was established by one of the most prominent educational companies. PTE has gained popularity in recent times and is considered as one of the most transparent tests because of low human contact and interaction. 

TOEFL Vs. IELTS Vs. PTE – What Is The Structure & Format? 

TOEFL Test Pattern 

The TOEFL test lasts up to 4 hours in total. 

SectionTimeNumber of Questions
Reading 60 mins to 80 mins36 to 56 questions 
Listening 60 mins to 90 mins 34 to 51 questions 
10 min break 
Speaking 20 mins 6 sections
Writing 50 mins 2 sections 

IELTS 

There are two types of IELTS tests and they are: Academic and General. To get admissions into an HEI, you need  to crack the IELTS Academic test for which the structure is as follows: 

SectionTime Number of Questions 
Listening 30 mins to 40 mins 40 
Reading 60 mins 40 
Writing60 mins 2
Speaking 11 mins to 15 mins 3 parts 

Also Read: GRE Cut-Off Scores For Universities

PTE 

Section Time Number of Questions 
Speaking & Writing 77 to 93 mins 8 parts 
Reading 32 to 40 mins 5 parts 
Listening 45 to 57 mins 8 parts 

PTE. Vs. TOEFL Vs. IELTS – What Is The Cost Difference? 

Test Price 
TOEFL TOEFL iBT: ₹11,265TOEFL PBT: ₹12,577
IELTS Academic₹12,650 
PTE Academic ₹13,330

We hope you found this article helpful. If you are interested in learning more about international student life, check out the following blogs: 

What Is The Difference Between MBA and MIM?

6 Mandatory Things To Do With Your Roommates

Ways To Make Friends When Studying Abroad

Stores With Student Discounts

Love to shop but have a limited budget? Not to worry. Many national and local stores with student discounts offer good prices to college students that can result in substantial savings. Simply use your email online and you can save as much as 25 percent on items from food to housewares to apparel. Check out this list of stores that give student discounts and services that could save your money. Many have more than one spot in and around Boston and most have online options. So, before you head out shopping, check out this list of stores with student discounts.

Stores Offering Student Discounts

1. ASOS 

ASOS, the popular British online fashion and cosmetics retailer, offers stylish clothing lines for both men and women. It’s a must for anyone looking for the latest fashion trends, whether hoodies and jeans or evening wear. You’ll also find sunglasses, bags, scarves, hats, watches, jewelry, and gift items. It also sells face and body products.

Discount: 10 percent off with an .edu email address.

Location: Online.

2. GrubHub

Grubhub is the indispensable online food delivery company, especially during the ongoing pandemic. Simply download the app, choose one of the many local restaurants, and get food delivered straight to your door with a free Grubhub+ membership with your BU email. Some popular local restaurants offering Grubhub delivery are T-Anthony’s, Sweetgreen, and Zaftigs. 

Discount: Various student college discounts and promotions on the app.

Location: Online.

3. Unidays

To use this free app, all you need is a valid student email address. Unidays is one of the stores with student discounts for food and drink and various retailers, like Levi’s, Dr. Martens, Express, Apple, Seamless, Adidas, and more. Most discounts are good for online shopping only. Sign up and find a complete list of discounts here.

Discount: Varies based on the item.

Location: Online.

4. Amazon Prime Student

Designed for college students, Amazon Prime Student is a six-month trial service that offers two-day free delivery on all Amazon orders, unlimited streaming of Prime movies and TV shows, and exclusive shopping deals on phone cases, snacks, apparel, personal care, and more. At the end of the six-month trial, students can enroll in Amazon Prime at half the usual cost, plus you’ll be eligible for deals exclusive to students. You’ll need a valid student email address.

Discount: The six-month trial period is free. Students are then eligible for half off regular Amazon Prime membership ($6.49 a month).

Location: Online.

5. Apple

Apple is another one of the stores with student discounts on numerous electronics, including education pricing discounts on iPads and MacBooks (and a free pair of Airpods with purchase of an iPad or MacBook), and 20 percent off AppleCare+. You can also get discounts on Apple’s popular music subscription and access to Apple TV+, thrown in for free with an Apple Music student subscription. 

Discount: Discount depends on the product (see the website for details).

Locations: Online; 815 Boylston St., Boston; Shops at Chestnut Hill, 199 Boylston St., Chestnut Hill; CambridgeSide, 100 CambridgeSide Pl., Cambridge.

6. New York Times

One of the world’s most respected and widely read newspapers, the New York Times is essential reading, regardless of your major. It offers great online stores with student discounts, making it easy to stay up-to-date on breaking news. COM students get free access if they sign up here with their BU email. Access will be granted within a week. 

Discount: $4 a month (online subscription only, normally $25 per month).

Location: Online.

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7. Moleskine

Moleskine is known for its timeless, elegant notebooks, planners, wallets, and pens. You’ll find classic black notebooks and special edition notebooks, including Harry Potter and Hello Kitty, as well as personalized and customizable notebooks and planners.  

Discount: 15 percent off with an .edu email address.

Locations: Online.

8. Honey

While it’s not a student discount, Honey is still a great tool for saving online. The browser extension helps you save big by finding stores with student discounts and deals when you visit a retailer’s website for food, clothing, furniture, and more. Honey also offers the option to join Honey Gold, which gets you points that you can redeem as gift cards to your favorite stores. 

Discount: Varies depending on site and product.

Location: Online.

9. Levi’s

This popular jeanswear brand offers high-quality, timeless styles at an affordable price. Pick up some new jeans for everyday wear or a fleece-lined jacket for the cold weather to come. You’ll need to verify your student status through SheerID, a portal similar to Unidays.

Discount: 25 percent off with an .edu email address.

Location: Online.

10. American Eagle Outfitters and Aerie 

If you’re looking for reasonably priced jeans or a timeless top, clothing and accessories store American Eagle Outfitters is the place for you. The store sells men’s and women’s apparel: jeans, hoodies, sweaters, jackets, coats, and more. It emphasizes body positivity and diversity, with women’s sizes from 000 to 24 and extra-short to extra-long. Partner store Aerie carries comfortable undergarments.  

Discount: 20 percent off with Unidays.

Locations: CambridgeSide, 100 CambridgeSide Pl., Cambridge.

Also Read: How To Make Money Online In 2021

11. Adidas

If you’re looking for a great pair of running shoes, sweatshirts, fleece tops, running shorts, or pants, Adidas has it all. This longtime favorite of athletes is renowned for its durable sportswear. 

Discount: 25 percent off and free shipping, online only.

Location: Online.

12. Madewell

Madewell is known for its colorful women’s tees, dresses, sweaters, skirts, and accessories, as well as for its sustainably produced denim jeans. The company also has a vibrant men’s clothing line, available at the Newbury Street location. Popular labels include Brixton, Madewell x Lively, Madewell x Penfield, and Vans. 

Discount: 15 percent off online and in-store with student ID.

Locations: Online; 329 Newbury St., Boston; Prudential Center, 800 Boylston St., Boston.

PS: If there’s anything more you’d like us to know about. Add it to the comments section!

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Unique Ways To Create A Study Planner For Students

A new academic year commences, with regular lectures and classes. It’s that time of year when you set resolutions and construct to-do lists to ensure you’re on the right track. Getting caught up on coursework, delivering seminars, working on group and individual projects, and, last but not least, prepping for assessments are all on the agenda. With Christmas and New Year’s marking their strong presence, you know there’s a myriad of things to do, and your time management skills are brought into question. This is where this article on creating a unique study planner will come to your rescue! Read along to know how well you can manage your time, fulfill your academic goals, whilst having plenty of leisure time to plan your Christmas decoration on a budget, that too!

Why Do You Need A Study Planner?

A study plan can help you manage your college education while also holding you responsible for your personal learning results.

Time management may be complicated. Aside from your academics, you’re probably involved in extracurricular activities, jobs, and community engagements. Preparing a study plan enables you to understand how you spend your time and ensures that you are allocating adequate time outside of class to complete homework & assignments, prepare for tests, and revise and absorb the knowledge you are gaining.

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Steps To Create The Best University Study Planner

It is crucial to acknowledge that there is no “correct” approach to creating a study planner. Your study plan will be tailored to your unique requirements, subjects, and study habits. We have a few guidelines that we think will be useful for you to understand how to get started.

#Understand Your Study Patterns & Habits

When making your study planner timetable, consider what works and what doesn’t for you. Are you able to study for lengthy periods of time once or twice a week, or is it more productive to study for thirty minutes every night? Keep note of and record the time of day when you are most productive. Do you remember more information if you examine a topic right after class, or would you need a breather first?

#Cross Check Your Current Schedule 

Block out all of your ongoing commitments, including school, job, and extracurricular events, on a digital or paper calendar. This will indicate to you how much of your time is already occupied and how much time you have left to study. If your schedule doesn’t allow you much study time, consider what you can cut down on or how you can restructure your calendar to allow for extra study time. Prioritizing your tasks based on time consumption, urgency, and relevancy helps you sort your schedule in an orderly manner.

#3 Allot Time Slots For Each Class

For many years, it was believed that a student should study 2 hours with every one hour of classroom time, which means that if you’re taking a regular 15-credit semester, you’ll spend 30 hours a week studying beyond the class. Planning well in advance helps you trace how to earn college credits easily!

Right at the starting of your classes, you will have received a syllabus from your professors, consisting of the dates & timelines of your classes, assignments & examinations. Because some classes are more elaborate and time-consuming than others, you may use these as a reference for figuring how much time to plan aside for each one. It will also assist you in planning your study sessions so that you have adequate time to finish all of your tasks and prepare for tests.

#4 Create A Study Schedule

Once you’ve allotted time slots for each class, you’re well aware of how much time of your day will be occupied, and how much time you have remaining. You can then use the remaining time to schedule your study sessions. Make sure you add sufficient study time to your study planner and treat it just like any other important commitment on your calendar. 

It depends on your creativity if you’d want to allocate a subject to a day or you have other plans in mind. Regardless, make sure you get enough time to get a hold of every subject. If you think that your schedule is too busy, always remember that prioritizing your tasks comes to the rescue.

#5 Stick To Your Planner

You may have made the best study planner for all we know! But there’s no point in having one when there’s no consistency. Ensuring you stick to it all the time and not just when exams are nearing will be of great use. If you think that college premises or the campus could be a distraction, you could find a quieter place. You can even find ways to learn better using the online space

Conclusion:

If creating a study planner may seem cumbersome, you can always consider other ways to keep your studies on track. There are calendar apps that could help you set reminders on time which can record when you start and end your sessions. Afterall, where there is a will, there is a way!

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How To Build An Emergency Fund?

Life is full of peaks and valleys, a leak from a hot water heater can flood a room, your vehicle might break down and need expensive repairs, or you can come down with an illness that results in costly medical bills. We can’t always be prepared for the physical or emotional challenges life hands us, but we can be prepared to pay the bills by knowing how to build an emergency fund.

Essentially, an emergency fund is the cash you’ve saved up for the sole purpose of helping you maintain your everyday life as you navigate through an emergency such as an unexpected vehicle repair, a job loss, or an illness. If you’re in a financial crunch, emergency savings will give you the safety net to fall back on until you get back on your feet. But without any emergency savings, you’ll likely end up borrowing money from family and friends, neglecting your existing payment obligations, or putting purchases on a high-interest credit card, all of which can drive you into debt. You will get to know everything about building the right emergency fund in this blog.

Answering the question, ”How to build an emergency fund?” is that it takes discipline, time, and some sacrifices, but it can be done. If you’re not sure how to save for emergencies, this blog has got your back. Here are some tips for building an emergency fund and how much to keep in an emergency fund, so you’ll be able to weather the financial challenges life throws your way.

Best Budget Apps for Your Finances

Steps To Build An Emergency Fund 

Break Down Your Savings Goal Into Smaller Steps

Some financial experts recommend saving for 3-6 months worth of living expenses. Although this is certainly a goal to aspire to, knowing how to build an emergency fund of this magnitude is a daunting task. Hence, as a result, many of us throw in the towel before even getting started.

It takes a long time to build savings, so it’s important to start out small and build from there. Some people set a large goal for their emergency fund right off the bat, only to discover down the road that it’s going to take much longer than anticipated. Along the way they’ll start to get discouraged, and eventually give up altogether.

While you’re learning how to build an emergency fund, give yourself time and don’t get discouraged. Even if you were to save $10 a week, you’ll have over $500 in a year, which makes a world of difference when you’re dealing with an emergency. What’s important is that you take action and start saving, no matter how small, and remain consistent. Rome wasn’t built in a day, and the same goes for an emergency savings fund.

Also Read: Important Tips On Dealing With Debt

Open a Separate Emergency Savings Account

Once you have a savings goal in mind, the next step is to open a savings account, which should be kept separate from your daily spending account. Shop around and find a financial institution that can give you a savings account with a decent interest rate and no-fees or low-fees.

Do your due diligence and research any fees and charges you may incur by, before opening an account with a particular financial institution. How much you earn in interest is something to consider, but it’s not the reason why you’re doing this.

Having a separate savings account builds a psychological wall between the money you can touch, and the money you shouldn’t touch. If you lump in your emergency fund money together with the funds in your regular checking account, you’ll be more tempted to spend it because you’ll see it regularly, and it’s easily accessible.

Automate Deposits into Your Savings Account

Now that you have an account designated specifically for emergencies, the next step is to automate deposits so that they go directly into your savings account. You can do this yourself through online banking, or by visiting your financial institution.

The easiest way to approach this step is to treat your emergency fund as you would a bill. Incorporate your fund contributions into your budget and make it a point to make a payment at least once a month, as you would for your other bills. If you approach your fund as a bill, you’ll prioritize where your money goes.

By scheduling automatic payments to your emergency fund, you won’t have to remind yourself to transfer money to your fund, and you won’t be tempted to spend it on something else. If you can’t see the money sitting in your checking account, you can’t spend it!

What’s important is that the amount you put towards your fund is affordable, realistic, and in line with the savings goal you identified earlier on. The smallest amount will do wonders to help you establish a small nest egg, while instilling a savings mindset and the discipline you need to help you reach your goals. Remember that paying yourself first is the key to building a sufficient emergency fund.

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Look For Ways to Boost Income and Cut Expenses

In addition to funneling your extra cash into your savings fund, increasing your cash flow and cutting back on expenses can make a world of difference. You can create an emergency savings planner to manage your expenses and income. Closets, basements, garages, and storage lockers can be a goldmine for stuff you don’t need, so clean them out and put all your old and unused items on sale on Craigslist or Ebay. You’ll be surprised how many people are willing to pay money for your set of old dumbbells or that bridesmaids dress you wore once.

Getting a side hustle is another great way to boost your income. If you enjoy writing, consider freelancing a few articles or blog posts. If you’re particularly crafty, monetize on your skills by selling your wares on Etsy. If you’ve got a few spare hours on your hands, fill out surveys, offer to run errands, or sign up for paid focus-groups.

PS: If there’s anything more you’d like us to know about. Add it to the comments section!

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Term Loan Definition & Why Term Loan Is Important

Term Loan Definition

Term loans are short-term, up-front funding options for local and small enterprises with a long repayment period. These are long-term debts issued by businesses, with a payment plan and interest paid in instalments at set or fluctuating rates. These loans, on the other hand, are not given to enterprises that do not have solid financial statements and a track record of creditworthiness.

You may also like: Switching student loan repayment plans – Everything you need to know

Term Loan Meaning – In Detail

  • Term loans are advantageous due to the length of time required to repay the loan plus interest. Short-term loans require the borrower to repay the principal in less than a year, whereas term loans give them more time to organise cash and pay in instalments. Term loans are frequently used to finance the purchase of fixed assets such as machinery or buildings, as well as the initiation of projects that require a large sum of money and a long period of time to reap the benefits of such investments. Term loans help with this.
  • Term loans can be taken out for a year or for a period of up to 25 years. It helps firms avoid cash shortages. They have secured loans, and assets are frequently used as security or collateral towards payment in order to ensure that payments are made on time. Many businesses prefer these loans since they do not dilute administration as much as bonds, equity, or debt finance do.

Recommended Read: Common financial terms that you will come across as a student

Highlights Of Term Loan Definition

  • Payments made on time and instalments improve a company’s credit score and creditworthiness.
  • Term loans are useful for obtaining fast funds while starting a new project or striving to meet a specific deadline.
  • They do, however, require stringent permission and appropriate main security (typically the new project itself) or collateral security to absolve defaulting on the payment on maturity, so reducing the risk.
  • Term loans, on the other hand, can be paid off ahead of time with no penalties.

Term Loan Definition & Category:

Secured Loan: If an individual wants to take out a secured loan from a bank or an NBFC, he or she must provide collateral security to the borrower. Equipment, machinery, stock, raw materials, and residential/commercial properties can all be used as collateral.

Unsecured Loan: Most financial institutions offer unsecured business loans, which do not need any collateral or security to be provided to the lender. Because there is no danger to the borrower in taking out an unsecured loan, the interest rates given by banks and NBFCs are on the higher side.

Recommended Read: What are variable rate student loans?

Term Loan Definition & Examples In Regards With Business Loan

Working Capital Loan: Working capital loans are used by businesses who want immediate funds to maintain cash flow or fulfil day-to-day business expenses. Working capital loans are short-term loans that must be repaid within 12 months of the date of disbursement.

Overdraft: An overdraft is a type of loan in which a banking firm gives you a credit limit based on your needs, and you pay interest only on the amount you use, not on the entire withdrawal limit. The repayment period can be as short as one month or as long as twelve months. The borrower must renew the limit with the lender once a year.

Equipment Financing: Businesses and enterprises could use this sort of loan to finance equipment or vehicles for a variety of activities, including agriculture, farming, commercial transportation, construction, and so on. The amount of an equipment finance loan will range from Rs. 1 lakh to Rs. 10 crores. The rate of interest on a term loan is determined by the individual’s profile and the type of their business.

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Check out: Pros and Cons of refinancing student loan

Top Advantages & Disadvantages Of Term Loan Or Term Financing 

ProsCons
Lower Interest RatesLong-term burden of loan & EMIs on the borrower
Higher Loan AmountRequires a high CIBIL/credit score required
59 minutes to approve the loanGuarantor is mandatory
Longer Repayment TimelineHigh business volume and vintage
Quick disbursement of loan fundsGood business stability with profitability
No Collateral Required for Unsecured Business LoansCollateral required – Term loans are usually unsecured
Interest paid is tax-deductibleNon-repayment of loan/EMI result in high penalty

Interest Rates on Term Loans

The interest rates on term loans granted to candidates vary from bank to bank and are largely determined by the applicant’s profile and company needs. A good credit score (CIBIL) is also important for acquiring term loans with lower interest rates. In comparison to NBFCs or other lending institutions, banks provide cheaper interest rates on term loans.

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All Your Answers To “What Is A Neobank?”

Your answers to “What is a neobank?” will cover everything you need to know in this blog. Neobanks are specifically online institutions that offer bank-like services. Since they have no physical branches to maintain, they may offer customers lower fees and higher interest-earning rates. But the exchange may have fewer products and less regulatory oversight. If you’ve ever used your financial institutions online banking tools, you’ll already have an idea of how neobanks work…even if you don’t know exactly what they are. Let’s look at some information to help you understand everything about “What is a neobank?” to “Is neobanking right for me?”

What Is A Neobank?

Although “bank” is in the name, and they offer bank-like services, neobanks technically aren’t banks. Instead, they’re financial technology companies that partner with traditional banks to put their own brand name on savings and checking accounts. These partnerships allow the neobank to provide customers with payment cards, investment services and FDIC insurance on their deposit accounts. Neobanks have no physical branches and typically aim to serve people that many traditional banks historically haven’t, such as people with little or poor credit history.

What Does Neobank Mean?

A neobank is basically a digital bank without any physical branches. It is entirely online without being present at any specific location.

What Is Neo Banking?

Neobanks operate entirely online and offer bank-like products and services that you access through an app on your phone or computer. But while you may be able to make payments from or save money in a neobank account, neobanks aren’t really banks. While the convenience and innovation of a neobank may appeal to you, it’s important to understand how these financial institutions generally work before you begin doing business with one. 

How Is A Neobank Different From A Traditional Bank?

Neobanks and traditional banks differ in several ways. The most obvious difference is that neobanks don’t have a physical presence. With a traditional bank, you can go into your local branch to deposit a check and take money out of your account. But with a neobank, you do everything from your phone or computer. With less overhead, neobanks often are able to offer higher interest rates and lower fees. Neobanks are more likely to introduce innovative, forward-looking features like fronting you the money from your upcoming paycheck a few days early. But they might not offer the full slate of financial services you’d expect from a traditional bank.

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What Are Some Advantages Of Opening An Account With A Neobank?

Neobanks have several strengths. They often have higher interest-earning rates and lower fees than traditional banks. Unlike banks that have to spend resources keeping their branches open, neobanks don’t have such overhead and can focus resources on offering you innovative financial products instead. Tech-savvy customers might also appreciate that neobanks are more convenient and easier to use because you can do all your banking online, without going into the bank. And you may find that a neobank is more likely to have services and features tailored to your needs and preferences.

What Are Some Disadvantages Of Neobanks?

On the other hand, neobanks might offer fewer financial products than traditional banks. So when you need an auto loan or a mortgage, your neobank isn’t likely to have those products, and you’ll have to deal with a traditional bank or credit union. Like mentioned before, neobanks don’t offer branches. So if you enjoy going into your local bank, or have a complex question that you’d like a human to answer, you won’t be able to have in-person interactions with your neobank. If you’re not tech-savvy, you also might feel overwhelmed trying to do all your banking online.

Is My Money Safe With A Neobank?

You might wonder if neobanks are safe. After all, how can you trust a bank you can’t set foot in? As fintech companies, neobanks might be regulated differently than the banks they partner with. But they’re still subject to general business and consumer compliance laws.

Just make sure to learn about how your neobank partners with a traditional bank to offer FDIC insurance. Typically, neobanks partner with traditional banks to provide you with up to $250,000 per account in FDIC coverage. FDIC insurance means that even if the bank were to go out of business, the government would reimburse you for your losses up to the coverage limit. You also might be concerned about online security. But many neobanks use the same security protocols that traditional banks use to protect your money. Be sure to look for security and safety information on a neobank’s website before opening an account with it.

Is A Neobank Right For You?

Before you open a new account with any bank, it’s important to do your research. It is recommended that you take a look at what other customers say about the bank, and see if it’s facing any legal action. It can also be helpful to verify its status with the FDIC. If you want to double check that the bank actually offers FDIC insurance and isn’t making a fraudulent claim, you can search the government website to find the bank’s name on the list of covered banks. Keep in mind that if you’re dealing with a neobank, the name of its partner bank might be listed by the FDIC instead, so it’s a good idea to search for it under both names.

Hope this blog has answered all your questions to “What is a neobank?”. But remember a neobank might be right for you if you’re comfortable banking from your phone and are excited about earning higher interest rates. But if you get flustered by technology or prefer to physically step into your bank, you might have a better experience with a traditional bank. 

PS: If there’s anything more you’d like us to know about. Add it to the comments section!

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Guide To PhD In Data Science

Data science is still evolving as one of the most promising and demanding job options for experts. Successful data professionals now realise that they need to develop the conventional abilities to analyse huge quantities of data, data extraction and programming.

Data scientists have to grasp the whole spectrum of the data science life process and be flexible and intelligent to optimise returns at each stage of the process in order to detect relevant intelligence for their company. 

What Is Data Science? 

In 2008, corporations noticed the need for individuals who are qualified to organise and analyze enormous volumes of data and the term “data scientist” was only coined by D.J. Patil, and Jeff Hammerbacher. Data Science is an interdisciplinary field that extracts and organises unstructured data using methods, processes, algorithms and dedicated systems. 

Efficient data researchers develop relevant questions, acquire data from a variety of data sources, organise the information, convert the findings into solutions, and present their findings in a manner that has a beneficial impact on business choices. In virtually all industries these abilities are necessary, which means that qualified data scientists are more important for enterprises.

Do You Need A Degree To Become A Data Scientist? 

Data Science is one of the fastest-growing careers in the 21st century and this industry has provided a solution to a number of challenges right from collecting big data, analysing this data and data representation. Data scientists are educated in a variety of fields and most will have some sort of technical training. A wide variety of majors in Computer Sciences, plus mathematical fields and statistics is included for data science graduates. Business or human behaviour, which provides more accurate findings in the data science activity, is also prevalent. 

Most individuals who are interested in becoming data scientists start preparing for this subject straight after school. This subject has permeated into all levels of education, starting from a Bachelor’s degree to a PhD in Data Science. Since the demand for this subject has increased in recent years, many universities and colleges around the world have started offering blended learning courses to help students join this industry even if they have not been preparing for it since the beginning. 

There Is A Difference Between Data Science and Statistics 

Even though the field of Data Science and Statistics work on similar principles of data, these two are not the same. While statistics focuses on creating and representing logical data using quantitative means such as syntax and semantics, Data Science relies heavily on computers and technology. It accesses information from large databases, uses code to manipulate data, and visualizes numbers in a digital format. 

By now, you must have understood the meaning and use of Data Science. So let us now take a look at some of the most relevant questions asked related to this subject. This guide on PhD in Data Science will cover the following topics: 

  1. What can students do after getting a PhD in Data Science? 
  2. Which are the top universities offering PhDs in Data Science? 
  3. What are the sources of paying for tuition fees for a PhD in Data Science? 

Let us answer these questions one by one. 

What Can Students Do After Getting A PhD in Data Science? 

Data Analyst 

Data analysts bridge the gap between data and corporate analysts. They receive the questions that an organisation needs to answer and then arrange and analyse information to identify results in line with high-level business strategies. It is the responsibility of data analysts to translate technical analysis into qualitative measures and communicate its findings effectively to different audiences.

Average Salary:  $65,000

Skills Required: Programming skills (SAS, R, Python), statistical and mathematical skills, data wrangling, data visualization.

Data Engineer 

An IT worker is a data engineer whose main task is to generate data for analysis or operation.

The generic responsibility of these software engineers is to design data pipelines to gather information from diverse sources. Data engineers manage quickly changing data in exponential quantities. They concentrate on developing, deploying, managing and optimising data pipelines and infrastructure to transform and transfer data for querying to data scientists.

Average Salary:  $120,900

Skills Required: Programming languages (Java, Scala), NoSQL databases (MongoDB, Cassandra DB), frameworks (Apache Hadoop). 

Data Scientist 

As mentioned above, Data scientists look at the queries and where the associated data should be found. They are capable of understanding the business, analytical abilities, and mining, cleaning and presenting data. Data scientist companies are using vast numbers of unstructured data to source, manage and analyse it. Results will then be aggregated and discussed with key players to help the company make strategic decisions. 

Average Salary: $100,500 

Skills Required: Data visualisation, Statistics and Maths, Analytics and Modeling, Programming knowledge. 

Data Architect 

A data architect is an expert in data architecture, a discipline in data management that designs, creates, deploys and manages the data architecture of an organisation. Data architects develop ways in which distinct data entities and IT systems store, consume, integrate, and manage the data, and any applications that use or manage this data in some way. It is strongly linked to corporate architecture and is one of the four areas of corporate architecture. 

Average Salary: $60,000 to $109,000 

Skills Required: Java, Python, ETL, Hadoop, Spark, Yarn and Kafka, RDBMS and SQL systems and analytics platforms. 

Which Are The Top Universities That Offer a PhD In Data Science? 

Before we dive into knowing about the list of the top universities that offer a PhD in Data Science, let us first take a look at the best countries in the world where you can study data science as a foreign student. The UK, the USA, New Zealand, Australia, France, Germany, Canada, Ireland, Netherlands and Russia are the best countries when it comes to studying Data Science. 

Top Universities in the UK that offer PhD in Data Science

The average cost of pursuing PhD in Data Science ranges between £23,500 to £26,240 per semester for international students. The tuition fees also depend on the university one is planning to study in. Here is a list of the top universities in the UK for PhD in Data Science according to the QS World Rankings: 

  1. Cardiff University 
  2. University of Essex
  3. University of Oxford
  4. Imperial College London
  5. University of Manchester
  6. University of Cambridge
  7. University College London
  8. University of Edinburgh
  9. University of Bristol
  10. University of Exeter 

Top Universities in the USA that offer PhD in Data Science

The cost of doing Phd in Data Science from the USA is slightly on the higher extreme of the cost spectrum. Depending on whether you are an international student and the choice of your university, the cost of a full-time Phd from a university from the USA ranges between $30,000 to $45,000 per year. 

Here is a list of the top universities in the USA that offer PhD programmes in Data Science according to the U.S. News & World Report rankings: 

  1. New York University
  2. Yale University
  3. Harvard University
  4. University of Maryland
  5. Indiana University
  6. University of Massachusetts Boston
  7. California Institute of Technology
  8. Kennesaw State University
  9. University of Wisconsin 
  10. University of South Florida 

Top Universities in Germany that offer PhD in Data Science

Most German universities that are public do not expect students to pay tuition fees. In other words, a 2 to 6 year PhD programme is free for international students who are studying any subject at a public university in Germany. The average cost of pursuing Phd in Data Science in a private university in Germany will range between Є15,000 to Є30,000 per year. According to The Times Higher Education (THE) Rankings, here are the universities in Germany that offer high-quality doctoral programmes in Data Science:

  1. Technical University, Munich 
  2. Ludwig Maximilians University Munchen
  3. RWTH Aachen University
  4. Hochschule Darmstadt University of Applied Sciences
  5. University of Tübingen
  6. University of Mannheim
  7. Jacobs University
  8. University of Magdeburg
  9. Free University Berlin
  10. Technical University Berlin

Top Universities in Canada that offer PhD in Data Science: 

The tuition fees for doctoral students ranges between CAD 17,000 to CAD 35,000 per year. The cost of pursuing a PhD in Data Science from Canada will also depend on the university you choose, so here is a list of the top universities in Canada that offer PhD in Data Science according to U.S. News & Best Global Universities Rankings are: 

  1. University of Waterloo 
  2. HEC Montreal
  3. University of Waterloo
  4. University of Montreal 
  5. University of Alberta
  6. Ryerson University
  7. University of New Brunswick 
  8. Dalhousie University 
  9. McGill University 
  10. University of Ottawa 

Australia is also a popular destination for students who wish to pursue a doctoral degree in Computer and Data Science. According to Indeed, the top American website for job listing and employment 

Top Universities in Australia that offer PhD in Data and Computer Science are:

Depending on whether you are an international student or a domestic student, the tuition fees for PhD programs in Computer and Data Science vary. The average cost of a PhD in this field ranges between AUD 35,000 to AUD 85,000. The fees also depend on the university you choose. Here are some of the top universities that offer a PhD in Data Science in Australia according to QS World Rankings. 

  1. Deakin University 
  2. University of New South Wales
  3. University of Sydney 
  4. Monash University
  5. RMIT University
  6. University of Melbourne 
  7. Macquarie University
  8. Victoria University 
  9. University of Queensland
  10. Edith Cowan University 

Ways To Fund Your PhD Education In Data Science Abroad 

Depending on your financial status and academic records, you can accumulate and fund your education in two broad ways: Scholarships and Education loans.  

Scholarships 

The first way is by applying for study abroad scholarships. Study abroad scholarships are made available by destination and will host countries to students who either have an excellent academic record or need financial assistance to pursue their higher education in a foreign country. All in all, there are five types of scholarships and these are: 

  1. Merit-based scholarships: 

These scholarships uplift students and help them reach greater heights. Any student can be a promising candidate on the basis of his/her academic excellence or any other merit like sports or extracurricular activities. 

  1. Need-based scholarships: 


These scholarships aim to become the backbone of students who are unable to fulfill their dreams because of a lack of funds or low-income backgrounds.

  1. Country-specific scholarships: 

Every year, numerous students move to different countries from around the world for higher studies. Keeping this in mind, the country-specific scholarships focus on bringing a more diverse and inclusive student demographic to universities across the globe.

  1. College-specific scholarships: 

These scholarships are for students who have their hearts set on a particular university. Usually, your target university will make arrangements to support you financially based on certain criteria such as average performance, annual family income, future plans, etc. 

  1. Student specific scholarships: 

These scholarships are for students from low-income families or those who have survived chronic diseases. These scholarships are also for under-represented populations, particularly women and minorities.

Education Loans 

In cases where students are unable to meet their tuition fees and living expenses to study abroad using their personal finances or have failed to apply for a scholarship, they may go for an education loan. Education loans are highly country-specific and depend on the financial policies of the country you belong to. Every country has its own arrangements of financial institutions such as banks or non-financial institutions (NBFCs) that facilitate the operation of providing education loans to students. 

NBFCs such as UniCreds offer the best solutions to students for education loans such as loans with low-interest rates, a choice of 10+ financial institution partners to opt from, loans without collateral, and highly personalised loans. You may choose to study in countries like the USA, the UK, Australia, New Zealand, Canada, France, Germany and Ireland with the help of financial assistance from such NBFCs that offer a seamless experience to students while delivering education loans. 

Know More About Financial Literacy For Students

Financial literacy is the cognitive understanding of financial components and skills such as budgeting, investing, borrowing, taxation, and personal financial management. The absence of such skills is referred to as being financially illiterate. Most of the population around the world is considered financially illiterate. Being financially literate allows an individual to be better prepared for specific financial roadblocks, which, in turn, decreases the chances of personal financial distress. Achieving student financial literacy is crucial in today’s society due to everyday facets of life, such as student loans, mortgages, credit cards, investments, and health insurance. Financial literacy for students consists of several financial components and skills that allow an individual to gain knowledge regarding the effective management of money and debt. Below are the fundamental components of financial literacy that every student must learn.

1. Budgeting

In budgeting, there are four main uses for money that determine a budget: spending, investing, saving, and funding. Creating the right balance throughout the primary uses of money allows students to better allocate their income, resulting in financial security and prosperity. In general, a budget should be composed in ways that pay off all existing debt while leaving money aside for saving and making beneficial investments.

2. Investing

To become financially literate, an individual must learn about key components in regards to investing. Some of the components that should be learned to ensure favorable investments are interest rates, price levels, diversification, risk mitigation, and indexes. Learning about crucial investment components allows students to make smarter financial decisions that may result in an increased inflow of income.

Also Read: 9 Common Financial Terms That You’ll Come Across As A Student

3. Borrowing

In most cases, almost every individual is required to borrow money at one point in their life. To ensure borrowing is done effectively, an understanding of interest rates, compound interest, time value of money, payment periods, and loan structure is crucial. If the criteria above are understood sufficiently, financial literacy for students will increase, which will provide practical borrowing guidelines and reduce long-term financial stress.

4. Taxation

Gaining knowledge about the different forms of taxation and how they impact a students net income is crucial for obtaining financial literacy for students. Whether it be employment, investment, room rentals, inheritance, or unexpected, each source of income is taxed differently. Awareness of the different income tax rates permits economic stability and increases financial performance through income management.

5. Personal Financial Management

The most important criteria, personal financial management, includes an entire mix of all of the components listed above. Financial security is ensured by balancing the mix of financial components above to solidify and increase investments and savings while reducing borrowing and debt. Achieving an in-depth knowledge of the financial components discussed above guarantees an increase in financial literacy for students.

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The Key Components Of Financial Literacy

  • Earning
  • Saving And Investing
  • Spending
  • Borrowing
  • Protecting

Reasons Why Financial Literacy For Students Is Important

When you send your student off to college, it is important that he or she has a good financial foundation. Financial education for college students gives them the ability to properly make important decisions based on their finances. College is often the first time that a budding adult has to make daily financial decisions, and it’s absolutely essential that they feel prepared.

College is often the first time these students are on their own. They may have to save money for food, entertainment, and school-related expenses. Without guidance, choosing the wrong financial path can lead to prolonging life goals such as owning a home or starting a family. Financial literacy education and paying for college encourages family conversations, hands-on learning opportunities, and financial independence.

Suggestions About Financial Literacy For Students

Multi-Generational Conversations

Consistently starting money-focused conversations with your college students can not only help them keep their budgets in check but can also help you proactively meet needs that may arise. If you want to succeed financially, you will need to get a handle on your finances. The first step in managing your money is to create a budget. The majority of students have more “wants” than they can truly afford. This has become more apparent since credit cards were introduced. Once a budget has been established by balancing your income with your expenses, begin eliminating any debt that is weighing down your monthly budget.

Working to eliminate debt can be a long process but it is worth the effort. After the debt is under control, you can save money for emergencies and long-term goals. A consistent relationship with a financial advisor is recommended for accountability. Involving yourself in this meeting will be advantageous to your financial skills.

 

Financial Planning For College Students Enables Financial Independence

As a college student is unlikely to be carrying a mortgage or providing for a family, however, the earlier you can prepare yourself for real-world scenarios the better. Financial independence can be difficult to achieve and some financial institutions struggle to provide the right resources.

Some financial institutions improve the relationship between potential and existing financial customers. The better the two can work together, the more beneficial. The more personalized financial planning for college students can provide confidence in their own finances. Financial education for college students should start long before filling out a college application or understanding the Free Application for Federal Student Aid (FASFA) application. The sooner you can educate yourself the greater the chance you have for long-term financial success.

PS: If there’s anything more you’d like us to know about. Add it to the comments section!

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The Highest Paying Engineering Degrees In 2021

Competition for engineering jobs can be quite competitive, and as with most careers, candidates who complete formal education, gain work experience and display skill are often preferred over individuals with less education, experience and skill. This blog will guide you through the highest paying engineering degrees. Here is a list of top highest paid engineering degrees and jobs.

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The Highest Paid Engineering Jobs And Degrees

Petroleum Engineers

Salary: $114,080 to $166,400 (annually)

Top on the list of highest paying engineering degrees is petroleum engineering. They are responsible for finding the most efficient and profitable means of extracting oil and gas from rock formations far below the earth. They design and develop ways to use water, chemicals, gases and steam to force oil out of reserves, perform research, develop drill plans, and ensure proper maintenance and function of oil and gas extraction equipment. Petroleum Engineers also develop means of connecting oil and gas deposits to new or existing wells. Petroleum Engineers must complete Bachelor or Master’s degree programmes in petroleum engineering and also gain work experience before entering the field. 

Nuclear Engineers

Salary: $99,920 to $142,290 (annually)

Nuclear engineers research nuclear energy and radiation for industrial and medical use. They design and create the processes, instrumentation, equipment, and systems which contain nuclear materials used in multiple industries, from spacecraft to medical imaging devices. They also maintain and monitor nuclear operations within facilities to ensure safety, identify violations of nuclear regulations and laws, give instructions regarding the handling and disposal of nuclear waste, and develop preventative measures for nuclear accidents. Nuclear engineers also respond to plant shutdowns and other emergencies when they occur. Most nuclear engineers are required to possess a minimum of a bachelor degree combined with work experience.

Aerospace Engineers

Salary: $97,480 to $143,360 (annually)

Number three on the list of highest paying engineering degrees are aerospace engineers. They design, develop, and test aircraft, satellites, spacecraft, missiles, and other air or spacecraft products for the military, commercial, or private use. They research and determine the safety of proposed aircraft projects and parts. Aerospace engineers also evaluate products to ensure they meet customer requirements, engineering specifications, and quality standards. Aerospace engineers identify and develop solutions for malfunctioning or damaged aircraft, spacecraft, and parts. Aerospace engineers may begin their careers within entry level positions upon earning a bachelor degree, though many employers prefer candidates with the combination of a degree and work experience. 

Software Engineers

Salary: $87,900 to $94,520 (annually)

Software engineers blend computer science, mathematics, and engineering to design, develop, test, and maintain software or computer systems. They focus on user needs and write computer programmes. Many work closely with teams of other computer science and engineering experts to secure, install, or develop advanced computer systems and software. Software engineers also resolve any operational, security, or function issues with software, computer systems, and internal computer networks. Software engineers generally must complete a minimum of a bachelor degree based in computer science, software, mathematics, or engineering as well as experience working with computer systems and applications. In addition, due to the constant changes within the industry, Software engineers must continue education throughout the course of their careers. 

Also Read Best-Paying Master’s Degrees: Engineering Programmes

Engineering Managers

Salary: $91,180 to $141,730 (annually)

Engineering managers are another one of the highest paying engineering degrees. They supervise teams of engineers within electrical, mechanical, civil, or industrial engineering fields. They administer, direct, and coordinate the research, design, financing, and development of products, hardware, equipment, and devices. They also oversee project design, manufacturing processes, productivity, and marketing analysis to lead projects for industrial, civil, and environmental products and services. Engineering managers also create the specifications, proposals, budgets, and policies between engineering teams, clients, and contractors while adhering to regulatory laws and predicting the impact of the product. Individuals must complete studies within a bachelor or master’s degree programme, gain work experience as an engineer, and obtain state licensing in order to qualify for employment as an engineering manager.

Chemical Engineers

Salary: $90,300 to $139,670 (annually)

Chemical engineers research, design, and troubleshoot the equipment and production processes for large scale manufacturing. They apply the engineering principles of physics, chemistry, and biology to develop, identify, and evaluate the safest and most efficient means of producing food, drugs, chemicals, fuel, and other materials. Chemical engineers also research and determine the costs of manufacturing processes as well as the effects they have on the environment without compromising quality and safety. Chemical engineers must complete studies within a bachelor level chemical or biomolecular engineering programme and gain work experience before advancing to careers of a high paid salary.

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Electrical Engineers

Salary: $84,500 to $128,610 (annually)

Electrical engineers devise new and improved electronics, components, and equipment. They also test and resolve problems with existing electronics. Electrical engineers work with a large number of products and systems from lighting and wiring within structures to cars, robots, generators, and navigation systems to ensure performance and resolve issues. They also design and assemble new products, test products to ensure safety, and oversee the installation of components. Many create technical drawings and specifications indicating instructions and proper operation. Training to become an electrical engineer requires an associates or Bachelor’s degree in electrical engineering. 

Biomedical Engineers

Salary: $81,540 to $126,990 (annually)

Lastly on the list of highest paying engineering degrees, biomedical engineers. They focus upon improving the quality, efficiency, safety, and effectiveness of medical systems and products. They analyze, design, and resolve problems with biology and medicine. Biomedical engineers create artificial organs, devices, and machines used to replace body parts and diagnose medical issues. They also conduct research to advance medicine, develop methods to assure product quality, and test drug therapies using computer simulations. Biomedical engineers typically complete a bachelor or Master’s degree in biomedical engineering in order to advance to higher paid salaries.

These engineering degrees and jobs are the best engineering courses for future endeavours if you plan on pursuing a career in the field.

PS: If there’s anything more you’d like us to know about. Add it to the comments section!

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A Guide To Part-Time Jobs In Australia

Australia is a famous study abroad destination for Indian students, and also for international students from across the world. While an internationally acclaimed quality education system is one of the many attractions, the fact remains that students wish to explore part-time jobs in Australia as well. Though the education might be cheaper, the living expenses in Australia are fairly high. As such, students studying in Australia can gain a good amount of pocket money to both supplement their living costs as well as enjoying the stay in the country. And the country offers more than just permission to work part-time jobs in Australia.

Work Permissions On Student Visa

Student visas for Australia have changed with effect on July 1, 2016. Students going to Australia under Visa Subclass 500 are eligible to work for up to 40 hours in a fortnight while the course is in session and for unlimited hours when the course is not in session. The only condition is that the student cannot start working until the course commences.

Also, a fortnight refers to a period of 14 days starting on a Monday and ending on the Sunday of the following week. The hours can be divided as per student’s convenience. For instance, a student may work for 10 hours in week one and 30 hours in week 2 or 15 and 25 hours respectively. Students must, however, note that in the above example, if the student works for 30 hours in week 2, then they can only work for 10 hours in the following week or else the condition of 40 hours in a fortnight would be breached, which in turn can lead to cancellation of visas. Ideally, a student looking for continuous part-time jobs in Australia must limit their working to about 20 hours a week.

Laws For Part-Time Work Options For International Students in Australia 

The Australian government allows all student part-time jobs in all of Australia the same privilege when it relates to working while studying. As such you have the right to

  • A minimum wage as stipulated under the Fair Work Act 2009.
  • Challenge of unfair dismissal from the job.
  • Breaks and rest periods.
  • A healthy and safe work environment.

Types Of Part-Time Work Options Available

In case you are a professional who is taking up further education from Australia, you can apply for and get a job commensurate with your qualification. Apart from that, usually, students get part-time jobs in the following sectors

  • Retail sales jobs in supermarkets, departmental stores.
  • In restaurants, cafes, and bars.
  • In hotels and motels (both in the kitchens and administration and housekeeping).
  • Farming and related activities.
  • Sales and telemarketing.
  • Administration or Clerical roles in different companies.
  • As a Tutor in both personal as well as in institutions.

To conclude, part-time jobs in Australia for international students offer excellent opportunities. While it would not be enough to subset the tuition fees, it is usually able to assist a moderate living style. Also, there are many options available. Hence, if you are planning to study in Australia, be assured there is more to it than just quality education. There are many part-time jobs in all of Australia that you can choose from!

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Highest Paying Part-Time Jobs In Australia

Become A Tutor

Wage: $20 to $30 (as per experience)

If you have the knowledge and wish to impart it to others to brighten their future, then this is your stop. You could earn a good amount by working at a convenience and get to choose to work in person or via an online medium. 

Driver

Wage: More than $15/ hour.

If you have the passion to drive, then you must choose this as one of the ways to earn as you learn. You can become an Uber driver or a school bus driver, which will require less than 20 hours.

Authorized Agent

Wage: More than $50,000 (annually)

Why not send others to explore as well, turn their dreams into reality. A travel agent gets a commission, too!

Waiter

Wage: $4/ hour (vary as per the location)

Not every individual can be courteous towards the people, consider working at a restaurant, which will get you $20 as tips under an hour, along with the above mentioned wage.

Stylist

Wage: $10/ hour (additional tips)

Working in a salon lets you set your own comfort  and your timings.

Secretary

Wage: $10/ hour to $25/ hour. 

You can choose to work as a CEO’s assistant, one of the part-time jobs in Australia that is work from home!

Mail Carrier

Wage: $19/ hour

Even carrying mails could be fun, it may not sound so, and however, all you need is 20 hours work weekly.

Oral Hygienist

Wage: $32/ hour (or more)

Being a dental hygienist requires an associate’s degree and it will get you a good wage.

Makeover Artist

Wage: $10 or more (additional tips)

As a hairstylist, a makeover or makeup artist has his/her own work hours, you can choose to be an employee for someone or freelance at a wedding, anniversary, etc. 

Personal Trainer Or Fitness Trainer

Wage: $20/ hour or more. 

Charges vary for the experienced. All you need is a Yoga or Pilates license, and then you are set to take private sessions with people via an online media.

PS: If there’s anything more you’d like us to know about. Add it to the comments section!

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