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Most of us are not aware of what an actuary does and the importance of the role in an insurance company. Undoubtedly, an actuarial job may seem quite boring, but it is one of the most challenging and high-paying jobs. If you are a math or statistics genius, then this may be the perfect career for you. The actuary's main responsibility is assessing/quantifying risk and developing means of mitigating risks. Actuaries are largely known for their work in the insurance and pension fields, where they design financially secure benefit programs to protect customers. Let's take a look at the role, certification process and career advancement of an actuary.


What is an Actuary?
Actuaries are the financial engineers of the insurance industry, specializing in either life and health insurance or property and casualty insurance. Basically, they formulate probability tables or employ highly advanced dynamic modeling methods that predict the probability that a potential event will generate a claim. From these tables, they ascertain the amount of money needed for claims payouts.


Different actuaries have different roles and may work for insurance companies or consulting firms, as well as in other businesses. They may be involved with devising a new retirement program for a company or even calculating the impact of laws banning car-cellphone use in automobile losses and determining suitable rate discounts. For instance, in property insurance, property and casualty actuaries compute the number of claims likely to result from natural catastrophes. The actuaries take into account the property's location, construction and several other factors before determining the premium.


Similarly, the figures calculated by actuaries ensure that insurance companies charge enough for premiums to cover predicted costs. In addition, actuaries have to make sure that the premium charged for that insurance is competitive with that charged by competing insurance companies. (For more on insurance, see Extended Warranties: Should You Take The Bait?)


Educational Background
If you are interested in becoming an actuary, you are required to earn an undergraduate degree in statistics, mathematics, finance or actuarial science. There are many schools and colleges that offer programs in actuarial science.Before becoming a fully qualified actuary, individuals must pass examinations given by either the Society of Actuaries (SOA) or the Casualty Actuarial Society (CAS) over a period of five to ten years. Students are normally allowed to take the first two examinations while they are still in college. After graduation, students often obtain jobs as entry-level actuaries and work through the certification process while simultaneously gaining some experience in the field. In return, employers may pay the examination fees and provide extra study time to their employees. As actuaries pass exams, they are compensated with pay raises.

Watch Daily Rasifal Video: Find out where the planets are today! Watch Today's Daily Horoscopes published in Image Tv. Thursday is dedicated to alleviating the bad influence of Lord S hani. The Vrat on this day is mainly observed by those people who believe in Hindu astrology. Black is the color of the day and people visit Shani shrine or Navagraha shrines. Food is only consumed once on the day. Saturday Fasting Dedicated To Hindu God Shani and Hanuman Talk about Shani or Sani to a Hindu and the first re action will be fear and then the mentioning of ill effects and troubles. Shani is dreaded by Hindus, especially by those who believe in astrology. Many people observe an Upvaas or fast to avoid the adversities and misfortunes on Shanivar or Saturday. It is believed that those who have the blessing of Lord Hanuman are protected from the wrath of Shani. Therefore many people make it a point to worship Hanuman at home or in temples. Black is the preferred color on Thursday. Shani, one of the Navagrahas, is worshipped in numerous temples and there are also temples exclusively dedicated to Sani. Devotees who are observing Shanivar Vrat usually visit Shani shrines. Black colored items like sesame til, sesame oil, black clothes, and black gram whole are offered to Shani. It must be noted here that the color of the idol of Shani is always black in color. Those devotees who fast on Saturday only take a single meal that too in the evening after prayers. Food prepared usually consis ts of sesame til or black gram or any other black colored food item. Salt is avoided by many on the day.

Deputy Prime Minister and Minister for Poverty Alleviation, Chitra Bahadur KC, has said the constitutional provision on acquisition of naturalised citizenship was faulty. At least seven years of marriage with Nepali man should have been the criteria for a foreign woman to get naturalised Nepali citizenship, he stressed. At a programme organised by Rafat Media Club here Tuesday, DPM KC said the existing provision on citizenship would encourage increase of foreign people in Nepal and it would finally jeopardise Nepali nationality. The DPM buttressed that such provision would stir up crisis in the country. He further said it was worrying fact that the constitution was silent about providing voting rights to Nepali citizens living abroad, during the election here. "The constitution must be corrected on it," he underscored.The DPM pointed out another fault in the constitution made by the recent amendment that has said the constituency would be delimited based on the basis of population. He grew concerned over omitting 'based on geography.' On a different note, he said the imminent visit of the Prime Minister to China would focus on boosting Nepal's trade relations with China. RSS

In an extremely rare case, a baby girl with a severe congenital disorder and near-total missing external body skin, was born at a city hospital on Saturday.In medical parlance, this condition is called Harelquin Ichthyosis. A 23-year-old woman from Amravati gave birth to the girl at Lata Mangeshkar Medical College and Hospital.While speaking to Hindustan Times, Dr Yash Banait, a child specialist at the hospital said the baby was born with a congenital disorder and that this kind of disorder occurs because of mutation in the genes.The baby requires proper miniaturization. Petroleum jelly and coconut oil serves good for this miniaturization. Nutritional rehabilitation has to be undertaken regularly, he said. “Harlequin Ichthyosis is a very rare severe genetic skin disease that cause thickening of the stratum corneum of the epidermis. In such cases, the child’s whole body is encased in an ‘armour’ of thick white plates of skin separated with deep cracks. In addition, the eyes, ears, private parts and the appendages may be abnormally contracted,” said obstetrician and gynaecologist Dr Avinash Banait.The overall incidence of Harlequin Ichthyosis is 1 in 300,000 births, he said. The doctors at the hospital will diagnose the congenital deformities on Monday. “There is no skin on the body, so skin grafting is not a possibility. But the baby hasn’t developed any breathing problems lest she would have required to be kept on ventilation,” said Dr Yash Banait.

Malaysia Airlines owns two subsidiary airlines: Firefly and MASwings. Firefly operates scheduled flights from its two home bases Penang International Airport and Subang International Airport. The airline focuses on tertiary cities. MASwings focuses on inter-Borneo flights. Malaysia Airlines has a freighter fleet operated by MASkargo, which manages freighter flights and aircraft cargo-hold capacity for all Malaysia Airlines' passenger flights.


The airline began as Malayan Airways Limited and flew its first commercial flight in 1947. A few years after Singapore's independence, the airline's assets were divided in 1972 to form Singaporean flag carrier Singapore Airlines and Malaysian flag carrier Malaysian Airline System.[4]


Despite numerous awards from aviation industry and recognition from the World Travel Awards as the leading airline in and to Asia (2010–11, 2013) [4] the airline struggled to cut costs to compete with new, low-cost carriers in the region since the early 2000s.[5] In 2013, the airline initiated a turnaround plan after large losses beginning in 2011 and cut routes to prominent, but unprofitable, long-haul destinations, such as the Americas (Los Angeles and Buenos Aires) and South Africa.[6] Malaysia Airlines also began an internal restructuring and intended to sell units such as engineering and pilot training.[6]


In 2014, Malaysia Airlines lost two aircraft—Flight 370 and Flight 17—less than five months apart, exacerbating the airline's financial troubles and leading to the renationalisation of the airline. Prior to 2014, MAS had one of the world's best safety records—just two fatal accidents in 68 years of operation,[7] including the hijacking in 1977 of Flight 653 that resulted in 100 casualties.

Beni is a Municipality and the district headquarters of Myagdi District in Dhaulagiri Zone, Nepal. This was announced municipality merging Ratnechaur, Jyamrukot, Arthunge, Ghatan, Pulachaur, Singa village development committees. Beni is located at the confluence of the Kali Gandaki River and Myagdi River at an altitude of 899 metres. Being the northernmost of the Tri-cities area of Nepal, it is located 12 km to the north of Zonal headquarters Baglung. It is mainly divided into two parts by the Kali Gandaki River. The Western Part lies in Myagdi District and the main offices lie there. The other part lies in Parbat District and is relatively small.

Brazil lost 1-0 to Peru in Copa America and further made an exit from the competition. (Source: AP) The Copa America Centenario erupted into controversy after a refereeing blunder sent Brazil crashing to a 1-0 defeat against Peru — and out of the tournament.

  President Barack Obama reacts to the mass shooting that left at least 50 people dead at a gay nightclub in Orlando, Florida.President Obama makes a statement about the deadly shooting at a gay nightclub in Florida. Omar Mateen shoot 50 dead and injured 53 in largest mass shooting in US history.President Barack Obama President said Americans were united in grief, outrage and "resolve to defend our people" after "an act of terror and an act of hate". The shooting at Pulse, a gay club in Orlando, is the worst mass shooting in recent US history.

Nepali actress Karishma Manandhar hosted the program of Naya Shakti Nepal which got flooded with negative comments on social networking sites. Karishma Manandhar probably first time hosted the event by being as a presenter and she couldn’t host the event properly and got flooded with negative comments. She couldn’t host the program properly nor she could pronounce the English properly and she was feeling uneasy to speak in English while presenting the event. She also couldn’t address the guests properly nor could she take right name. She also couldn’t address singer Ram Krishna Dhakal properly. After that she got flooded with negative comments in social networking sites. She also posted in Facebook that she doesn’t care on negative comments. Watch this video report on this case:

The government has yet again urged the agitating Madhes-based parties and communities to come for talks to settle their concerns regarding the contents of the new constitution with Prime Minister KP Sharma Oli sending official letters to the agitating forces on Sunday. Addressing the launch of Naya Shakti Nepal, a party led by Baburam Bhattarai, on Sunday, PM Oli said that he has urged the disgruntled forces to come for dialogues to settle all their issues. According to PM's Political Advisor Bishnu Rimal, the PM has appealed all the agitating political parties to come for talks as the government has been meeting the precondition set by them. But the Madhes-based parties maintain that government appeals are mere formalities and that it was not serious toward resolving the issue. "Last time, we had received a letter from the prime minister 10 days after he had publicly claimed of sending it. This shows how serious the government is," said Federal Socialist Forum Nepal Co-Chairman Rajendra Shrestha. However, PM's Press Advisor Pramod Dahal said that all the agitating parties will receive a letter from the prime minister by Monday. Tarai Madhes Democratic Party Spokesperson Sarbendra Nath Shukla told Republica that the United Democratic Madhesi Front (UDMF) would discuss Oli's offer for talks only after receiving the letter.

A MiG-27 fighter aircraft crashed in a residential area close to the Jodhpur Air Base on Monday.The aircraft, which was on a routine training mission, went down about 5 km from the base and the pilot has ejected safely, sources in the Air Force said.The pilot had reported a technical problem and sought priority landing. However, as the engine failed, he had to eject, the sources said.The area has been cordoned off and police have reached the spot.ACP Jodhpur (West) Sima Hingonia said a portion of a house where the plane crashed was damaged. A court of Inquiry has been ordered into the incident. -  

She goes to her boss in search of help. Her boss takes the advantages of the situation and compelled her to do what he wants. He asked to her for a se*x. She thinks about her mother and does however he wants. Suddenly, she got a news that her mother is no more and she denies to her boss. She says that in the beginning I was compelled to do this type of activities but now i don’t have any more compulsion.Yubraj Khatri has directed this video and also the edit. Parbati Kumal has written the story with cinematography of Rameswor Humagain. M k thapa and Sapana Lamichhane the actor and actress of this short movie.

Suspension, like the short drop, causes death by using the weight of the body to tighten around the trachea and neck structure with the noose. Prisoners are reported to have little or no struggle before they go limp because their jugular vein and carotid arteries are blocked and blood flow to the brain is reduced.However, the person slowly dies of strangulation, which typically takes between ten and twenty minutes, resulting in a considerably more elongated and painful death as compared to the standard or long drop hanging. "If the airway is constricted, and full suspension achieved (feet fully off the floor), this method, at least initially, is likely to be very painful, as the person struggles for air against the compression of the noose and against the weight of their own body, being supported entirely by the neck and jaw.

Kathmandu : Three people have been @rrested in connection with the murder of Venisha Limbu, who was found dead at Manpokhari, Nagarkot of Bhaktapur district, on February 26.

Metropolitan Police Crime Division (MPCD), Teku, arrested Sunny Lama, 28, Sajit Lama, 24, and Rajan Rai,19, residents of Bouddha, Kathmandu, for their alleged involvement in the murd@r of Venisha.

Venisha Limbu, a native of Dhankuta and resident of Kapan, Kathmandu, had gone missing since February 20. Preliminary investigation has revealed that Limbu had affair with Sunny Lama, MPCD Chief Sarbendra Khanal said.

According to police investigation, Venisha had gone to Thamel-based Hard rock disco with the accused and returned to spend the night together at an apartment near Bouddha Gate. “It has been found that Sunny, Venisha and the absconding accused stayed together at an apartment after drinking alcohol,” said Khanal.

When was the last time when any of you used a Nokia handset? Ummm…. We know it’s been quite some time! But for those of you who have been thinking about where is ‘Nokia’… we have good news. According to recent reports, Nokia is returning to the smartphone market. Microsoft recently announced it’s offloading of Nokia’s old feature phone business to a Foxconn subsidiary and a Finnish company called HMD Global Oy.




It has been revealed by Nokia that HMD is also acquiring the rights to use the Nokia name on smartphones and tablets for the next ten years. This means, the day is not far when we will see Nokia branded smartphones and tablets run on Adnroid.

According to statement from HMD, it plans to invest $500 million over the next three years to develop and promote products. The money will supposedly come from investors and from profits from the newly-acquired feature phone business. Though it has been made clear that Nokia’s involvement in the new devices will be very limited, it will be a part of HMD’s board and will set mandatory brand requirements and performance related provisions.
Nokia is doing this to ensure that quality handsets are released because it is the goodwill of Nokia that will be at stake if the devices are inferior. FIH Mobile, the Foxconn subsidiary will be the manufacturer of the new HMD smartphones and tablets. The agreement includes HMD’s access to Nokia’s vast arsenal of mobile patents. As to when will we get to see the Nokia handsets and tablets and with what version of Android, that is still under wraps

Watch Daily Rasifal Video: Find out where the planets are today! Watch Today's Daily Horoscopes published in Image Tv. This Video will Forecast your yearly planetary movements that affect your life. Your Daily Forecast can predict: A Horoscope is a person's Birth Chart or Natal Chart. The construction of the horoscope is based on the Ptolemaic system, in which the earth is stationary. Mesh Rashi-persons of this sign are solitary by nature; they have smiling faces and are less spoken and polite to others. Vrisha Rashi-people under this sign eldom lose temper, but when they do so they don't care for the repercussions also they love music and adore jewellery and fine clothes.Checks us Everyday to know your Daily Horoscopes.
Monday is dedicated to Lord Shiva. It is said that Lord Shiva is easily pleased. Therefore many people observe Upvaas on Monday. Those devotees observing fast only eat food once. People visit Lord Shiva shrines and conduct pujas, especially, Ardhanarishwara puja. The mantra ‘Om Namah Shivaya’ is chan ted continuously. Siva devotees also read Shiva Purana. Unmarried women observe the Vrat to get good husbands. Others observe it for a happy and prosperous family life.

After the success of Dreams, actress Samragyee RL Shah has became hot cake in Nepali film. She hasn’t yet singed her second film but she has got many offers in her table for movies and latest news is that she has been demanding 7 lakhs fees for doing a film. According to the report, Tulshi Ghimire has approached her for film Darpan Chaya 2 for which she has demanded 7 lakhs fees due to which Tulshi Ghimire and produced couldn’t sign her for the film. Also actor Pradeep Khadka was also approached for the film but he also rejected the offer because he doesn’t want to work on the film where there are two actors. Watch today’s episode of Manoranjan Samachar for latest updates of Nepali film news and latest updates on entertainment of Nepal.

SOARING over two metres above the water, you would be forgiven for thinking these winged wonders are a type of bird - but they are actually flying mobula rays. Captured on camera by zoologist and wildlife photographer Mark Carwardine, the rays, known to local fisherman as ’flying tortillas’, measure just over three feet in width. Carwardine encountered the giant rays demonstrating their acrobatic skills by bursting out of the water with their wings outstretched off the East coast of Baja, Mexico. He said: “I spend every winter running whale-watching trips in Baja California, Mexico – it’s one of my favourite places on the planet – and, on my most recent trip, we saw something quite extraordinary. Videographer / director: Mark CarwardineProducer: Crystal Chung, Ellie Winstanley
Editor: Joshua Douglas

Divorce is the legal dissolution of a marriage by a court or other competent body.Divorce (or dissolution of marriage) is the termination of a marriage or marital union, the canceling and/or reorganizing of the legal duties and responsibilities of marriage, thus dissolving the bonds of matrimony between a married couple under the rule of law of the particular country and/or state. Divorce laws vary considerably around the world, but in most countries divorce requires the sanction of a court or other authority in a legal process, which may involve issues of alimony (spousal support), child custody, child visitation / access, parenting time, child support, distribution of property, and division of debt. In most countries, monogamy is required by law, so divorce allows each former partner to marry another person; where polygyny is legal but polyandry is not, divorce allows the woman to marry a new husband.

The Baburam Bhattarai-led Naya Shakti Nepal is formally announcing the party on Sunday.
Spokesperson Khim Lal Devkota said that representatives from 24 countries and all 75 districts of the country will attend the ceremony. The party said that major political parties and envoys of 25 countries have also been invited.
According to him, representatives have started coming Kathmandu to attend the political gala.
Rallies will begin from Kupondole, Babarmahal, Kalimati and Ratnapark and enter Dashrath Stadium before 12 noon tomorrow.
Coordinator of the Management Committee, Balawati Sharma told Republica Online that some 1,500 representatives that wil attend the jamboree will be served biryani, a dish made with highly seasoned rice and meat, fish or vegetables.

The announcement ceremony will be held at the stadium on Sunday and closed session at the Kamaladi-based Nepal Academy on Monday and Tuesday.

Who are invited?

Chairman of (CPN Center) Pushpa Kamal Dahal, Prime Minister KP Sharma Oli and Nepali Congress President Sher Bahadur Deuba have been invited for the announcement ceremony.

Spokesperson Devkota said that representatives of diplomatic missions have also been invited.

Indian leaders will also attend the function.

D.P. Tripathi, General Secretary of the Nationalist Congress Party of India, KC Tyagi, Chief General Secretary of Janata Dal (United) and Sudhindra Bhadoria of Bahujan Samaj Party will attend the function.

Invitations were also sent to Bihar’s Chief Minister Nitish Kumar and Chairman of Aam Aadmi Party Arvind Kejriwal, they will not arrive.


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