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300-720 Securing Email with Cisco Email Security Appliance exam plan | http://babelouedstory.com/

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Exam Code: 300-720 Securing Email with Cisco Email Security Appliance exam plan November 2023 by Killexams.com team

300-720 Securing Email with Cisco Email Security Appliance

Exam Detail:
The 300-720 Securing Email with Cisco Email Security Appliance (SESA) exam is part of the Cisco Certified Network Professional (CCNP) Security certification track. This exam focuses on validating the knowledge and skills of candidates in implementing and managing Cisco Email Security Appliance (ESA) for securing email communications. Here are the exam details for the SESA certification:

- Number of Questions: The exact number of questions may vary, but the exam typically consists of multiple-choice and simulation-based questions.

- Time Limit: The time allotted to complete the exam is 90 minutes.

Course Outline:
The course outline for the Securing Email with Cisco Email Security Appliance certification covers various key areas related to implementing and managing Cisco Email Security Appliance. The subjects typically included in the course outline are as follows:

1. Introduction to Cisco Email Security Appliance:
- Understanding the importance of email security and the role of Cisco Email Security Appliance.
- Overview of Cisco Email Security Appliance features and capabilities.

2. Cisco Email Security Appliance Architecture and Deployment:
- Deployment options for Cisco Email Security Appliance.
- Configuring network settings and DNS on the appliance.
- Integrating Cisco Email Security Appliance with existing email infrastructure.

3. Email Authentication and Encryption:
- Configuring email authentication protocols such as SPF, DKIM, and DMARC.
- Implementing email encryption using Transport Layer Security (TLS) and Secure/Multipurpose Internet Mail Extensions (S/MIME).

4. Anti-Spam and Anti-Malware Protection:
- Configuring anti-spam policies and filtering techniques.
- Implementing anti-malware protection using reputation filtering and virus scanning.

5. Data Loss Prevention (DLP) and Content Filtering:
- Configuring DLP policies to prevent sensitive data leakage.
- Implementing content filtering rules to control email content and attachments.

6. Message Tracking and Reporting:
- Monitoring and troubleshooting email delivery using message tracking.
- Generating and analyzing reports for email security and compliance purposes.

Exam Objectives:
The objectives of the Securing Email with Cisco Email Security Appliance (SESA) exam are as follows:

- Evaluating candidates' understanding of Cisco Email Security Appliance architecture, features, and deployment options.
- Assessing candidates' proficiency in configuring email authentication, encryption, and anti-spam/anti-malware protection.
- Testing candidates' knowledge of implementing data loss prevention (DLP), content filtering, and message tracking/reporting on Cisco Email Security Appliance.

Exam Syllabus:
The specific exam syllabus for the Securing Email with Cisco Email Security Appliance (SESA) certification may cover the following topics:

1. Introduction to Cisco Email Security Appliance:
- Email security overview.
- Cisco Email Security Appliance features and benefits.

2. Cisco Email Security Appliance Deployment:
- Deployment options and network configuration.
- Integration with existing email infrastructure.

3. Email Authentication and Encryption:
- SPF, DKIM, and DMARC configuration.
- TLS and S/MIME encryption implementation.

4. Anti-Spam and Anti-Malware Protection:
- Anti-spam policies and techniques.
- Reputation filtering and virus scanning.

5. Data Loss Prevention (DLP) and Content Filtering:
- DLP policy configuration.
- Content filtering rules implementation.

6. Message Tracking and Reporting:
- Message tracking and troubleshooting.
- Reporting for email security and compliance.
Securing Email with Cisco Email Security Appliance
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Securing Email with Cisco Email Security Appliance
QUESTION 50 When URL logging is configured on a Cisco ESA, which feature must be
enabled first?
A. antivirus
B. antispam
C. virus outbreak filter
D. senderbase reputation filter
Correct Answer: C
Reference: https://www.cisco.com/c/en/us/support/docs/security/email-security-appliance/118775-technote-esa-00.html (note under enable url filtering)
QUESTION 51 What is the default HTTPS port when configuring spam quarantine
on Cisco ESA?
A. 83
B. 82
C. 443
D. 80
Correct Answer: A
Reference: https://www.cisco.com/c/en/us/td/docs/security/ces/user_guide/esa_user_guide_11-1/b_ESA_Admin_Guide_ces_11_1/b_ESA_Admin_Guide_chapter_011111.pdf
QUESTION 52 What is a benefit of implementing URL filtering on
the Cisco ESA?
A. removes threats from malicious URLs
B. blacklists spam
C. provides URL reputation protection
D. enhances reputation against malicious URLs
Correct Answer: C
Reference: https://www.cisco.com/c/en/us/support/docs/security/email-security-appliance/118775-technote-esa-00.html
Refer to the exhibit. Which SPF record is valid for mycompany.com?
A. v=spf1 a mx ip4: -all
B. v=spf1 a mx ip4: -all
C. v=spf1 a mx ip4: -all
D. v=spf1 a mx ip4: -all
Correct Answer: D
QUESTION 54 What is a valid
content filter action?
A. decrypt on delivery
B. quarantine
C. skip antispam
D. archive
Correct Answer: B
Reference: https://www.cisco.com/c/en/us/td/docs/security/esa/esa12-0/user_guide/b_ESA_Admin_Guide_12_0/b_ESA_Admin_Guide_chapter_01010.html#con_1158022
QUESTION 55 When virtual gateways are configured, which two distinct attributes are allocated to each virtual gateway address?
(Choose two.)
A. domain
B. IP address
C. DNS server address
D. DHCP server address
E. external spam quarantine
Correct Answer: AB
Reference: https://www.cisco.com/c/en/us/support/docs/security/email-security-appliance/118542-qa-esa-00.html
QUESTION 56 When the Cisco ESA is configured to perform antivirus scanning, what is the default
timeout value?
A. 30 seconds B.
90 seconds
C. 60 seconds
D. 120 seconds
Correct Answer: C
Reference: https://www.cisco.com/c/en/us/td/docs/security/esa/esa12-0/user_guide/b_ESA_Admin_Guide_12_0/b_ESA_Admin_Guide_chapter_01011.html
QUESTION 57 Which global setting is configured under Cisco ESA
Scan Behavior?
A. minimum attachment size to scan
B. attachment scanning timeout
C. actions for unscannable messages due to attachment type
D. minimum depth of attachment recursion to scan
Correct Answer: B
Reference: https://community.cisco.com/t5/email-security/cisco-ironport-esa-security-services-scan-behavior-impact-on-av/td-p/3923243
QUESTION 58 Which action on the Cisco ESA provides direct access to view the
A. Show the SLBL cache on the CLI.
B. Monitor Incoming/Outgoing Listener.
C. Export the SLBL to a .csv file.
D. Debug the mail flow policy.
Correct Answer: C
Reference: https://www.cisco.com/c/en/us/support/docs/security/email-security-appliance/117922-technote-esa-00.html
QUESTION 59 Which scenario prevents a message from being sent to the quarantine as an action in the scan behavior
on Cisco ESA?
A. A policy quarantine is missing.
B. More than one email pipeline is defined.
C. The "modify the message subject" is already set.
D. The "add custom header" action is performed first.
Correct Answer: B
QUESTION 60 What are two primary components of content filters?
(Choose two.)
A. conditions
B. subject
C. content
D. actions
E. policies
Correct Answer: AD
Reference: https://www.cisco.com/c/en/us/td/docs/security/ces/user_guide/esa_user_guide_11-
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Earning specialized certifications is a surefire way to advance your career in the IT field, regardless of industry or current career level. The right certification validates your skills and knowledge, which makes you more desirable to future employers who want to attract and retain the best employees. Below, we’ll explore the top IT certifications and share how to examine your goals to choose the right path forward. 

We’ve narrowed IT certifications into specific categories to help IT professionals assess what’s available and pursue the best certifications to show their willingness to learn and develop the in-demand career skills employers want.

Best database certifications 

Database platforms have changed greatly over the years, but database technology remains important for various applications and computing tasks. Available certifications for IT professionals include those for database administrators (DBAs), database developers, data analysts and architects, business intelligence, and data warehousing specialists, and other data professionals.

Obtaining database certifications demonstrates an understanding of database concepts, design, implementation, administration and security. This can boost your credibility in the job market and show potential employers that you have the skills needed to work with databases. The best database certifications include the following:

Best SAS certifications 

SAS is one of the world’s leading firms for business analytics, data warehousing and data mining. Today, the SAS Global Certification Program offers 23 credentials across categories including foundation tools, advanced analytics, business intelligence, data management and administration.

SAS programmers remain in high demand, with a quick search of job boards showing thousands of open positions. Obtaining SAS certification shows employers that you are proficient in the company’s popular suite of tools. Some of SAS’s certification programs include the following: 

Many professionals earn certifications to help navigate their career paths. According to the IT Salary Report, 92 percent of information technology professionals have at least one certification.

Best Cisco certifications 

Cisco Systems is a market leader not only in networking and communications products, but also storage networking and solutions for data centers. Cisco offers a variety of certifications for IT professionals, ranging from entry level credentials to expert-level exams. 

These certifications prepare professionals for Cisco-related careers. A search of job boards reveals thousands of open positions for Cisco experts, underscoring the continued relevance of these skills. Some of Cisco’s certifications include the following:

Best Dell certifications 

Dell Technologies remains one of the world’s leading computing companies. In addition to its well-known hardware lineup, Dell also offers solutions for networks, storage, servers, gateways and embedded computing, as well as a broad range of IT and business services.

Becoming certified in Dell products can help make IT professionals competitive in engineering roles for server, virtualization, networking, systems, integration and data security. Additional roles include consultants, account executives, system administrators, IT managers and deployment managers.

Best mobility certifications 

In the mobile era, it has become increasingly important for network engineers to support local, remote and mobile users, as well as provide proper infrastructure. The focus on application and app development now leans more toward mobile environments, requiring security professionals to thoroughly address mobility from all perspectives.

Due to the fast-changing nature of mobile technology, not many mobility certifications have become widely adopted. However, a few of the top mobility certifications can help IT professionals stand out in this rapidly evolving field. 

If part of your job includes selling and implementing an IT solution, you may want to pursue the best sales certifications. You’ll show your organization that you’re willing to go above and beyond to reach sales targets.

Best computer hardware certifications 

As remote and computer-based work has become more common, it’s more important than ever that businesses and individuals be able to maintain their hardware. While discussions about potential computer-related jobs often revolve around software work and coding, jumping into the IT field by becoming a computer technician is an excellent starting point.

Today, thousands of hardware technician jobs are available across the country. Entering this industry becomes more accessible for those who acquire computer hardware certifications. These certifications can showcase your expertise and proficiency in the upkeep of computers, mobile devices, printers and other hardware components.

Best Google Cloud certifications 

IT pros with solid cloud computing skills continue to be in high demand as more companies adopt cloud technologies. Today, Google Cloud is one of the market leaders in the cloud computing space. 

Regardless of where you are in your IT career, engaging with certification programs can demonstrate your willingness to keep on top of rapidly evolving cloud technologies. To that end, Google has introduced a host of certifications for its cloud platform, including the following: 

Best evergreen IT certifications

In the fast-changing world of technology, it can help to focus on certifications that have stood the test of time. “Evergreen” refers to certifications that remain popular year after year. 

The top evergreen certifications are based on recent pay surveys in IT, reports from IT professionals about certifications they want or pursue the most, and those that appear most frequently in online job postings. Obtaining these credentials is one step toward ensuring that your skills remain relevant for a long time: 

Best IT governance certifications 

IT governance provides structure for aligning a company’s IT with its business strategies. Organizations faced with compliance rigors always need experienced IT pros who can see the big picture and understand technology risks. This means certified IT governance professionals are likely to remain in high demand.

Earning one of the following certifications proves a commitment to understanding the role of IT governance and its position in a company’s current and future success. Getting certified can validate your expert knowledge and lead to advanced career opportunities.

Best system administrator certifications 

An IT system administrator is responsible for managing and maintaining the information technology infrastructure within an organization. The position demands sought-after career skills, ranging from configuring and maintaining servers and clients to managing access controls, network services, and addressing application resource requirements.

If you’re in charge of managing modern servers, there’s a long list of tools and technologies that system administrators must master. Obtaining some of the most prominent system administrator certifications can demonstrate your mastery to potential employers. 

Best ITIL certifications 

ITIL, or Information Technology Infrastructure Library, was developed to establish standardized best practices for IT services within government agencies. Over the ensuing four decades, businesses of all types embraced, modified, and extended ITIL, shaping it into a comprehensive framework for managing IT service delivery. 

The ITIL framework remains the benchmark for best practices in IT service and delivery management, offering certification programs that cater to IT professionals at all levels. These training and certification courses ensure that IT professionals stay well-prepared for the ongoing evolution in IT service delivery management. There are four certifications in the ITIL certification program:

Best enterprise architect certifications 

An IT enterprise architect is responsible for designing and managing the overall structure and framework of an organization’s information technology system. Enterprise architect certifications are among the highest that an IT professional can achieve; fewer than 1 percent ultimately reach this level. 

Enterprise architects are among the highest-paid employees and consultants in the tech industry. These certifications can put IT professionals on a path to many lucrative positions. The average worker earns over six figures annually. Some top enterprise architect certifications are listed below:

To become an enterprise IT architect, you’ll need knowledge of systems deployment, design and architecture, as well as a strong business foundation.

Best CompTIA certifications

CompTIA is a nonprofit trade association made up of more than 2,000 member organizations and 3,000 business partners. The organization’s vendor-neutral certification program is one of the best recognized in the IT industry. Since CompTIA developed its A+ credential in 1993, it has issued more than two million certifications.

CompTIA certifications are grouped by skill set and focus on the real-world skills IT professionals need. Armed with these credentials, you can demonstrate that you know how to manage and support IT infrastructure. 

Best Oracle certifications 

A longtime leader in database software, Oracle also offers cloud solutions, servers, engineered systems, storage, and more. The company has more than 430,000 customers in 175 countries. 

Today, Oracle’s training program offers six certification levels that span 16 product categories with more than 200 individual credentials. Considering the depth and breadth of this program — and the number of Oracle customers — it’s no surprise that Oracle certifications are highly sought after. 

Vendor-specific certifications address a particular vendor’s hardware and software. For example, you can pursue Oracle certifications and Dell certifications to become an expert in those companies’ environments.

Best business continuity and disaster recovery certifications

Business continuity and disaster recovery keep systems running and data available in the event of interruptions or faults. These programs bring systems back to normal operation after a disaster has occurred.

Business continuity and disaster recovery certifications are seeing a healthy uptrend as new cloud-based tools grow in popularity. While business continuity planning and disaster recovery planning have always been essential, they’re becoming more critical than ever — and IT certifications are following suit.

Thu, 09 Nov 2023 10:01:00 -0600 en text/html https://www.businessnewsdaily.com/10953-best-it-certifications.html
CFP exam 101: Everything You Need to Know to Pass the CFP Test No result found, try new keyword!but your exam clock won't stop when you do. "That 40-minute break is a critical time to plan for," says Courtney Stutts Huge, a certified financial planner at Wealth Enhancement Group in Charlotte ... Thu, 31 Jan 2019 01:13:00 -0600 https://money.usnews.com/investing/investing-101/articles/cfp-exam-101-everything-you-need-to-know-to-pass-the-cfp-test What is no medical exam life insurance?

Our experts answer readers' insurance questions and write unbiased product reviews (here's how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.

Medical exams are among the top reasons people hesitate to buy life insurance. You imagine sitting in a doctor's waiting room, doing blood draws, standing on a scale, and many other things that make us uncomfortable. But it's easy to understand why life insurance medical exams remain an industry stap — an insurer must gauge its risk before it grants you a policy. Ironically, medical exams lower insurance premiums for the average life insurance customer.

Of course, medical exams may sound overwhelming, especially if you've abandoned a life insurance application or been denied. This is where no medical exam life insurance comes in. The stereotypical no medical exam policy includes no medical data of any kind. Many buyers also expect coverage in days, or at least that's the idea. Despite what you might hear, it isn't quite that simple.

Who should buy a no medical exam life insurance policy?

Many shoppers are misinformed about the target audience for no medical exam life insurance. "Who should buy a no medical exam life insurance" should be rephrased as "who will qualify for no medical exam life insurance coverage?" These policies eliminate the inconvenience of a medical exam for healthy buyers who don't use tobacco in most cases. However, it comes with higher premiums, and underwriting can be extended as insurers gather medical data from other sources.

Some small funeral cost policies are more flexible, especially if you invest in workplace life insurance. However, more sizable policies not connected to your workplace can only accept limited risk. Seniors, buyers with preexisting health conditions, tobacco users, and other high-risk buyers may not qualify.

How do insurance companies know who presents a more considerable risk? First, no medical exam doesn't mean medical records-free. Applications still include basic medical questions, and companies can rescind life insurance policies if you get caught lying on your application. More importantly, life insurance companies may still order a copy of your medical records. So, companies would go off your last blood tests or appointment notes if you have a history of high cholesterol, heart disease, diabetes, etc.

College students and young working adults with no significant medical issues may be ideal candidates for a no medical exam life insurance policy. Another thing to note is companies will only issue small life insurance policies without an exam, and premiums are higher. So if you're looking for a $1 million policy or retirement planning options, you should make time for a short medical exam.

What if I don't qualify for a no medical exam life insurance policy?

Some companies only offer small life insurance policies with no medical exam required. However, most insurers offer a range of permanent and term life insurance policies. If you don't qualify for a no medical exam policy, licensed insurance agents can help you apply for a medical exam life insurance policy.

While many companies are going online, we recommend working with a licensed insurance agent, especially for no medical exam policies. Any time your application is denied, it creates an alert for other life insurance companies you might try to buy from, reducing your chance of getting a policy elsewhere. An agent can help you avoid this by stopping short of denial if you need to switch to a medical exam plan.

Types of no medical exam life insurance

Life insurance companies sell four life insurance policies without a medical exam. Coverage, pricing, and the application process are a few of the things that vary widely. So what are your no medical exam life insurance options?

Simplified issue life insurance

Simplified issue life insurance looks to streamline the approval process. No blood tests or medical exams are required, but applicants answer basic health questions. If the answers given meet underwriting guidelines (the company uses electronic medical records to verify), you may qualify for a policy. Generally, these policies cover non-smokers with minimal known risk factors. However, premiums are higher, and benefits tend to be lower to account for the elevated risk.

Guaranteed issue life insurance

Guaranteed issue is also commonly referred to as guaranteed acceptance. These whole life insurance plans require no medical exam or health surveys. Age limits are imposed, with most policies issued to seniors. But if you're within the stated age range, you are guaranteed a life insurance policy. Guaranteed issue life insurance offers death benefit policies topping out around $20,000 to $30,000, depending on the company. The company does not certain the death benefit or premiums, only the policy. So the same policy may or may not be budget-friendly.

The company may also utilize a waiting period, during which beneficiaries would get a refund of premiums. However, the full benefit would only apply once the waiting period passes.

Accelerated underwriting life insurance

Accelerated underwriting uses everything except the medical exam. Underwriters access applicants' public medical records and credit data. Typically, companies take applicants between the ages of 18 and 60. Regular life insurance underwriting could take weeks or even months. Simplified underwriting life insurance policies can be issued the same day with some online insurance providers. It is not guaranteed issuance, and licensed agents may refer some customers for a medical exam life insurance policy. However, death benefits could be higher than other no-medical exam policies.

Group life insurance

Group life insurance is part of many employer benefit packages. No medical exam is required, and death benefits are typically small. More importantly, it's tied to your employment. So if you separate from your employer, the policy will lapse. You can invest in higher death benefits by increasing your monthly deductions, but this is not required.

Pros and cons of no medical exam life insurance


  • No blood tests or other medical exams required
  • Quick approval, sometimes even the same day
  • Guaranteed issue available within set age limits


  • More expensive than a medical exam-based life insurance policy
  • Death benefits are lower, and waiting periods may apply
  • Insurance companies may base your approval on health questionnaires and medical records
  • Underwriting may be less tolerant of prior health issues, including things that would otherwise be non-problematic

No medical exam life insurance is sometimes mistaken for a fast and easy solution for older adults or those with preexisting health conditions. In reality, it's just the opposite in many cases. Guaranteed issue policies may only be sold through life insurance companies for seniors. You also pay more to get less coverage across the board.

Life insurance companies can still access medical records. So applicants aren't hiding a history of heart disease, diabetes, or other chronic conditions. The only difference is you don't have to meet with a medical professional for a formal exam. If in doubt, non-guaranteed policies may be harder to get.

How to shop for a no medical exam life insurance policy

A workplace policy will be issued based on your employment and yearly benefit elections. If you want the best life insurance companies for no medical life insurance that's all yours, remember a few key things:

  • Work with a qualified life insurance agent
  • Choose a company or brokerage with medical exam options
  • Compare quotes and coverage to ensure you understand what you're getting
  • Be prepared for higher prices with limited death benefits
  • Be honest on any health questionnaires

A no medical exam life insurance policy's simplicity may be deceiving. It takes one element out of the application process, but underwriters may pull medical records and be stricter about smoking, preexisting conditions, age, and other common risk factors. Unfortunately, being denied by a life insurance company could make it harder to get life insurance coverage in the future.

Your agent can get a soft underwrite if you're working with a broker or company offering medical exam policies. If it looks like your application can be denied, your agent could run a medical exam life insurance application instead. A great thing about no medical exam policies is that many companies offer online estimates. So you can compare pricing based on age, smoking status, desired coverage amount, etc., before you start the application process.

The most important thing to remember is underwriters still consider medical history. So if answering medical questions, answer honestly. If discrepancies come up later, leaving out details about your health may cause significant problems.


Buyers and agents should work together to personalize life insurance. Agents can help buyers identify an appropriate policy. This specific life insurance type is meant mainly for young, relatively healthy buyers comfortable with more minor benefits and higher premiums.

The group life insurance plan at your workplace is one type of no medical exam policy. You can contact your benefits team if you have questions about the policy. In addition, we recommend talking to an insurance broker agent if you're shopping for a private plan. They'll take your information, work with insurance partners, and find policies to meet your needs. Some companies also offer online quoting.

Life insurance companies offering no medical exam life insurance policies take on an inherent risk. The companies still pull older medical records. But the fewer factors companies consider, the higher the risk. The higher prices and lower death benefits counterbalance the insurance company's risk.

Life insurance companies schedule buyers for paramedical exams, which take about 30 minutes for the average applicant. Medical professionals take blood pressure, heart rate, weight, and some subjects may be required to complete a treadmill test or electrocardiogram. Medical professionals also take blood and urine samples, which allow insurers to screen for heart disease, diabetes, cancer, HIV, and certain drugs, including nicotine.

It's a natural question. If a life insurance company doesn't require a medical exam, how would it know the difference if you lied about certain things? Life insurance companies can still pull medical records for your application. More importantly, if significant omissions come to light after the fact, your insurance company can cancel the policy or refuse to pay your death benefit.

Sun, 15 Oct 2023 12:00:00 -0500 en-US text/html https://www.businessinsider.com/personal-finance/no-medical-exam-life-insurance
IBPS PO Mains exam 2023: A 15-Day Strategic Study Plan The Institute of Banking Personnel Selection (IBPS) is all set to conduct the Probationary Officer (PO) Mains exam on November 5, 2023. With a total of 3,049 vacancies, this is a crucial opportunity for aspiring banking professionals. To assist candidates in their preparation, we've designed a comprehensive 15-day Strategic Study Plan, ensuring that you're well-equipped to excel in the upcoming IBPS PO Mains Exam.
To excel in the IBPS Mains Exam, it's crucial to create a dedicated study environment that's free from distractions. This sets the stage for effective learning. Additionally, setting realistic daily goals and adhering to a consistent study schedule can help you make steady progress. Rather than focusing on quantity, prioritize the quality of your study sessions, aiming to understand concepts thoroughly. Remember to take regular breaks to prevent burnout and maintain concentration.
The IBPS PO Mains exam is a very important step toward getting a good banking job. To do well, you need to prepare carefully and have a good study plan. Since the exam is coming soon, these next 15 days are crucial for your success. Our 15-day plan is here to help you get ready in a smart way, so you can take the test with confidence.
In the initial three days (Day 1-3), reinforce your grasp of fundamental concepts in Quantitative Aptitude (QA), Reasoning Ability (RA), and English Language (EL). Strengthen simple formulas, grammar rules, and reasoning techniques, addressing areas that need improvement.
Days 4-6 are dedicated to a deeper dive into Quantitative Aptitude (QA), focusing on subjects like arithmetic, algebra, geometry, and data interpretation. Sharpen time management skills for accurate and efficient problem-solving.
Days 7-9 enhance your Reasoning Ability (RA) by practising puzzles, syllogisms, coding-decoding, and blood relations. Develop analytical and logical thinking, and seek shortcuts for quicker solutions.
Days 10-12 concentrate on English Language (EL). Work on grammar, vocabulary, and comprehension through memorizing comprehension passages, error detection, and sentence correction exercises. Expand your word knowledge and usage.
Days 13-14 involve mock tests replicating the exam environment. Evaluate performance, identify weak areas, and revise relevant topics. Strengthen your knowledge in formulas, grammar rules, and reasoning strategies.
On Day 15, the eve of the exam, prioritize relaxation, avoid intensive study, stay calm, and ensure a good night's sleep. Have the necessary documents ready for the exam.
Remember, maintaining a balanced lifestyle with proper diet, exercise, and sleep is crucial for well-being and performance. Consistency and strategic preparation are key to success. This 15-day study plan equips you to approach the test confidently, knowing your dedication will lead to success. Best of luck!
Fri, 20 Oct 2023 05:30:00 -0500 en text/html https://timesofindia.indiatimes.com/education/news/ibps-po-mains-exam-2023-a-15-day-strategic-study-plan/articleshow/104574643.cms
How Much Does a Home Warranty Cost?
Visual 1 - Home Warranties - Home Warranty Cost - Cost Range + A

Photo: bobvila.com


  • A home warranty will typically cost a homeowner between $264 to $1,425 per year, with a national average cost of $600.
  • The three main factors that affect the cost of a home warranty are the premium, the service fee, and any add-ons the homeowner chooses.
  • A home warranty may be a good idea for homeowners whose appliances and home systems are aging, who have a limited budget, who are inexperienced with DIY repairs, or for those who are in the process of buying or selling a home.

As with an appliance or car warranty, a home warranty protects a homeowner’s investment against system failures. For many home buyers, especially those purchasing older homes, a home warranty can reduce the financial risk in the vulnerable period immediately after the sale, before the homeowner has had time to build up an emergency fund. But this only helps if the home buyer ultimately spends less on the warranty than they would on costs for emergency home repairs, or if the home warranty cost doesn’t prevent them from building their emergency fund.

The total cost will vary by home warranty company and is directly affected by what’s covered in the base plan, what add-ons are selected, and the service charges for service visits and claims. For most homeowners, the home warranty cost per year is between $264 and $1,425, with the national average cost of a home warranty at $600. It’s critical for a homeowner to read the fine print and understand what is and is not covered, as well as if there are any ways they can inadvertently void the warranty.

What is a home warranty?

It’s common to hear about home warranties while in the process of buying or selling a home. But what is a home warranty, exactly, and is it something a homeowner actually needs?

A home warranty is a service contract that covers maintenance, repair, and sometimes replacement of major home systems (such as HVAC, plumbing, and electric) and some appliances. Warranties are specifically aimed to cover the service and potential replacement of appliances and home systems when problems arise as a result of natural aging and wear and tear.

Home warranties are often offered by a home seller as an incentive to home buyers. Warranties can be a great option for buyers who are thinking about older systems failing immediately after they purchase their new home, but it’s also possible to get a sellers home warranty for protection while a home is on the market.

For example, an HVAC system that fails while a home is on the market can drastically reduce the home’s value or sale price—or require the seller to get costly repairs while straddling two mortgages—and a warranty can help protect against that possibility. If the system fails while the home is on the market, the home warranty can help pay to repair it rather than the seller shelling out the funds.

It is also possible for a buyer to purchase a home warranty after closing; in fact, even established homeowners can often benefit from a home warranty. If the home systems have been well maintained, a warranty can be a backup or protection against unexpected expenses as the house and systems age together. Sometimes multiple systems decide to fail at the same time; since this situation is difficult to adequately budget for, a home warranty can help to fill the gap.

Home Warranty vs. Home Insurance

It’s understandable for homeowners to think, “But I already have homeowners insurance! Why would I need a home warranty?” The answer here is that insurance and warranties are similar in concept but very different in what they cover. What follows is a rundown of the major differences between a home warranty vs. home insurance.

Homeowners Insurance

Homeowners insurance is a critical part of owning a home and is usually required by mortgage companies. It protects against internal and external damage to a home and offers the homeowner protection from liability in the event they or a member of their family cause injury or damage to a third party.

Coverage from homeowners insurance policies is typically limited to damage caused by fire, property crime, certain weather events, and some types of water damage. It specifically excludes system or appliance failures caused by normal aging or wear and tear. Homeowners insurance will also not cover damage from poor construction or appliances that have been installed incorrectly.

Home Warranty

What does a home warranty cover? Home warranty services include many of the expensive and unexpected failures that homeowners insurance excludes. Together, homeowners insurance and a home warranty create a strong home protection plan.

The home will have coverage for accidents and damage as well as age-related failure, and in some cases, both types of protection are necessary. If a hot water pipe bursts and floods the basement, the home warranty will cover the repair or replacement of the pipe, and the homeowners insurance may cover the damage to the walls, ceiling, carpeting, and any possessions that were damaged as a result of the burst pipe.

Factors in Calculating Home Warranty Cost

The concept of a home warranty is new to many homeowners and can be confusing in terms of what costs are involved and how and when they’re paid. There are three basic components to the total cost of a home warranty: the premium, the service fee, and the cost of additional coverage beyond the basic contract plan. Homeowners will want to take all three into consideration when budgeting so there are no surprises when they make their first service call.


The premium is the cost of purchasing the genuine warranty—what the homeowner pays the home warranty company in exchange for coverage. Similar to an insurance premium, this can be paid annually or may be broken down into monthly or quarterly payments, depending on the warranty company and the homeowner’s preference. Home warranty companies will set these premiums based on leveled packages, with starter packages including only basic home systems costing the least and higher-level packages that include appliances costing more.

Service Fee

In addition to the premium, homeowners will want to budget for service charges when they file a claim. Similar to an insurance co-pay or deductible, the service fee is charged any time a professional visits the home for maintenance or repair.

The cost is usually in the neighborhood of $55 to $150, though the exact cost will vary between plans and providers. This fee should be clearly laid out in the contract, which should also note whether the fee is per event or per visit. For example, if a contractor needs to visit three times for the same repair, will the service fee be charged once, as it’s only one repair, or will it be charged three times for three separate visits?

Service charge rates go hand in hand with the level of coverage the homeowner has selected. More expensive policies will often feature lower service charges—with homeowners essentially prepaying for the service charges with a higher up-front cost—while homeowners who have less expensive policies will find that they pay less in premiums but will usually incur higher service charges when the warranty is used.


Home warranty packages traditionally cover home systems and major appliances, but there may be specific items the homeowner would like to have covered that aren’t available in a package. Pools and spas, well pumps, sump pumps, septic systems, and other expensive-to-replace items can often be added to a policy as individual line items for an additional charge.

While it’s likely that most homeowners don’t need to cover every appliance and system in their home, repair and replacement of some items (and the cost to repair the ensuing damage if they fail) may make it worth adding them to the policy. For instance, this add-on coverage would come in handy if a home’s well pump were to fail in the middle of a hard freeze in the winter. Homeowners who have a pool in their yard may want to opt for one of the best home warranties for pool coverage, as pool repairs can be an expensive out-of-pocket cost without this additional warranty coverage.

Types of Home Warranty Plans

Most home warranty companies feature plans with different levels of service so customers can select the plan that most closely meets their needs without paying for coverage that doesn’t meet their needs. Some companies break their plans down into more specific combinations, but the basic plan structure separates home systems from appliances and then offers add-ons as needed.

System Plans

The basic whole-home systems that keep a home running are typically covered in a system plan. The systems are often broken down into components that are listed separately, including the following:

  • Air conditioning
  • Heating
  • Ductwork
  • Water heaters
  • Water dispensers
  • Electrical systems

Many system plans include smoke detectors and doorbells that are hard-wired or linked. Some policies also include central vacuums, while others list those as add-ons. Before choosing a home warranty, it’s a good idea for a homeowner to closely read what is covered in a system plan and what is not. If a policy doesn’t list several of the systems, there may be a more cost-effective plan elsewhere that is a better fit.

Appliance Plans

As the name suggests, appliance plans cover the freestanding appliances that are not covered as part of a basic home systems warranty. Some commonly covered appliances include the following:

  • Refrigerators
  • Ranges and ovens
  • Washers and dryers
  • Dishwashers
  • Built-in microwaves
  • Trash compactors

Some policies cover garage door openers as well, but others do not.

This is an area for homeowners to study closely before signing a contract: Many policies limit coverage, for example, to the main kitchen refrigerator and exclude basement or garage refrigerators or chest freezers unless they are added on separately. Also, maintenance and documentation requirements can be stringent for accessing this coverage, so it’s important that homeowners are clear on what’s required.

Combination Plans

Combination plans are packages that combine systems and appliance plans for comprehensive coverage. These are the most expensive plans but cost less than purchasing two separate policies, one for systems and one for appliances. In some cases, the combination plan isn’t preset but rather functions as a kind of a la carte plan, where customers can select the systems and appliances they would like covered. Add-ons will increase the overall home warranty plan cost but may be worth it for homeowners who want comprehensive coverage.

Home Warranty Coverage Limits

Home warranties have an undeserved reputation for being scams or unnecessary add-ons to home sales. While these policies are not always necessary, their questionable reputation stems mostly from the fact that, as with any policy, they have a number of exclusions and conditions. Before purchasing a home warranty, it’s very important for a homeowner to carefully read the exclusions section of the policy and ask the agent specific questions.

First, nearly all policies have a maximum coverage limit. This isn’t often an issue, but if multiple systems happen to fail during the policy period, it’s possible for homeowners to run out of coverage. For instance, if the policy paid for the complete replacement of an HVAC system and then the electrical system failed and also needed replacement.

In addition, most policies have coverage limits by appliance or system. If the policy has a limit of $1,000 for range repair and replacement and the cost of the replacement is $1,800, the homeowner will be responsible for the $800 beyond the coverage limit.

Finally, many home warranty plans have conditions that must be met in order for the warranty to apply. The systems and appliances that are covered must be appropriately serviced and maintained; if the furnace hasn’t been examined by a professional in 15 years and then fails, the warranty company may refuse to cover the replacement cost, whereas the same furnace that has been routinely maintained every 2 years (with the documentation to prove it) may be covered fully.

It’s a good idea for homeowners to consider established companies with proven track records. But it can be difficult to compare prices because different companies package their policies in different ways. Some of the best home warranty companies have clearly defined rates and packages that will help customers get an idea of how to compare plans.

American Home Shield

American Home Shield is one of the best-known home warranty companies in the market. Its coverage and cost follows a set, easy-to-understand formula so customers will know exactly what they’re getting and what they’re paying for. The average monthly rate for an American Home Shield plan is $59.99

Customers can choose from three levels of coverage, add the size of the home, decide how much to pay for service calls, and determine any add-ons, and American Home Shield will provide a quote.

  • ShieldSilver covers parts of 14 major systems.
  • ShieldGold is a combination plan that adds nine appliances to the systems covered in ShieldSilver.
  • ShieldPlatinum adds roof-leak repairs, HVAC tune-ups, air-conditioning refrigerant, and coverage of code violations and permits for the most complete coverage available.

With any of these plans, customers can set their service-call fee at $100 or $125. Customers can learn more about AHS in our American Home Shield review.

Choice Home Warranty

Choice Home Warranty is also a long-standing, award-winning provider of home warranties. Its plans are completely customized to the needs of the buyer, with a choice between two protection plans:

  • The Basic Plan covers 15 systems and appliances including heating, electrical, plumbing, some kitchen appliances, ductwork, garage door openers, and ceiling and exhaust fans.
  • The Total Plan covers everything included in the Basic Plan with the addition of air conditioning, refrigerators, and washers and dryers.

Choice offers options of many add-ons such as pools and spas, second refrigerators, sump pumps, well pumps, and septic systems. Choice Home Warranty prices are based on the place of residence, type of home, size of home, and the desired level of protection, but average around $55 per month with a service fee of $85. Customized plans mean customers pay only for what they need and nothing more.

Customers can request a quote on the Choice website to determine how much their plan will cost. Our Choice Home Warranty review can help homeowners learn more about this company.

First American Home Warranty

First American has been providing home warranties for more than 35 years and has honed its pricing structure to meet the needs of a wide range of customers. Pricing varies regionally, so the best way for a homeowner to find out exact costs is to call an agent or use the online price quote system. First American’s service fees start at $75.

The company’s approach to plans is slightly different from that of other companies and is based on evidence that many homeowners are more concerned about the sudden failure of consumer appliances.

  • The Starter Plan, which starts at as little as $42 per month, is an appliance plan that covers dishwashers, kitchen refrigerators, range hoods, microwaves, ovens and cooktops, and some whole-home systems like plumbing and electrical.
  • The Essential Plan starts at $52 per month and includes the addition of appliances such as washers and dryers and trash compactors. It also includes water heaters, garage door openers, and HVAC systems.
  • The upgraded Premium Plan adds more major home systems, including garbage disposal, central vacuum, mini-split systems, and window air-conditioning units. This plan starts at $67 per month.

Excellent coverage limits mean that choosing to customize a plan with First American will result in specific, high-level coverage. Customers may want to compare First American vs. American Home Shield to see if either company is a good fit.

AFC Home Club

AFC Home Club (America’s First Choice) has developed a wide range of coverage programs. The pricing of each program is affected by the size of the home and the selected service fee (options are $75, $100, and $125), plus any selected add-ons, including pools, spas, tankless water heaters, sump pumps, and septic systems.

  • The Systems Plan is just that—it covers HVAC systems, electric, plumbing, ductwork, and water heaters.
  • The Silver Plan is an appliance plan, and laundry appliances, kitchen appliances (including a single kitchen refrigerator), and the garage door opener are included.
  • The basic combination plan, called the Gold Plan, combines the Systems Plan and the Silver Plan for coverage of systems and most appliances, excluding plumbing stoppages, microwaves, and ice makers.
  • The Platinum Plan covers everything in the Gold Plan plus those exclusions.

An added benefit of AFC Home Club is that customers can select any qualified technician to perform the service, repair, or replacement—they’re not limited only to technicians the warranty company has contracted with.

Cinch Home Services

Cinch Home Services prides itself on transparency—the company promises no hidden fees or exclusions and a clear explanation of what’s covered. To accomplish that, Cinch provides a list of systems and appliances and three straightforward plans.

  • The Appliances Warranty Plan, starting at $27.99 per month, covers a wide range of kitchen and laundry appliances.
  • The Built-In Systems Warranty Plan covers heating, ductwork, air conditioning, plumbing (including whirlpools and sump pumps), electrical (including doorbells and smoke detectors), and garage door openers, starting at $32.99 per month.
  • Upgrading to the Complete Home Warranty Plan, starting at $39.99 per month, provides coverage of both appliances and systems, and also provides an extra benefit: Should customers need to use their homeowners insurance, Cinch will reimburse up to $500 toward meeting the deductible.

An unusual element of Cinch’s coverage is that the policies provide protection against unknown pre-existing conditions, so if something breaks down as a result of an issue that occurred before the house was purchased, it’s covered.

Liberty Home Guard

Liberty Home Guard is best known for its wide range of add-ons—42 in total. Customers can choose to add coverage for pools, lawn sprinkler systems, electronics, sump pumps, central vacuum systems, second refrigerators, professional appliances, roof leaks, and plumbing fixtures.

Liberty Home Guard has three plans to choose from:

  • The Appliance Guard plan costs $49.99 per month and covers major appliances such as washers, dryers, refrigerators, ovens, and garbage disposals.
  • The Systems Guard plan costs $54.99 per month and covers major home systems such as HVAC, plumbing, electrical, and water heaters.
  • The Total Home Guard plan costs $59.99 per month and covers everything from the Appliance Guard and Systems Guard plans.

The company has an average monthly rate of $55 and service fee options of $60 and $120. The former is relatively low compared to other home warranties’ service fees, which may be enticing to homeowners on a budget. Customers can read our Liberty Home Guard review to learn more about this home warranty company.

Do I need a home warranty?

Someone who is purchasing a relatively new home, especially if many of the systems and appliances are still under their original warranties, may not need a home warranty. That said, new homes have complex systems that are often automated, which leaves a lot of places for things to go wrong. A warranty may be worth it just for peace of mind—a buyer who is stretching their budget to purchase their dream home may not have a lot of extra resources and may find that a warranty helps them feel more secure. But there are some conditions for which a home warranty is a good idea.

Aging Appliances or Systems

Older homes have a lot going for them—charm, history, quirky details…ancient furnaces, aged water heaters, and geriatric water-based heating systems. Many people purchase older homes in anticipation of modernizing the systems and keeping the charm, but there’s a huge risk factor in that plan, especially if several of those older systems supply way before they can be replaced.

A home warranty can protect against that and can help save a lot of money on repairs and replacements during the process of bringing the home up to snuff. Current owners of older homes may find that a warranty can be a great protection if there’s a possibility that several systems may need replacement at the same time (though it would be worth consulting the policy to understand limitations in coverage)—and having a warranty can save money and buy time to plan while providing some additional peace of mind.

Limited Budget

Home appliance and system replacements are expensive. Maybe the homeowner is considering upgrading their kitchen appliances but can’t afford the six-burner professional stove that they really want. As a homeowner, it makes sense to plan for improvements to make in the future. The problem with those plans is that one ill-timed problem can suck up a chunk of savings and delay getting to improvements.

A home warranty can protect a homeowner’s savings and budgeting plans by covering the appliances they have now. When the dryer breaks down and needs replacement, the warranty can cover the cost so homeowners don’t have to dip into a carefully budgeted savings plan for the new stove.

Inexperience With DIY Repairs

Some new homeowners come on the scene with their tool belt already in place, ready to take on the challenges of refacing walls, replacing condenser coils, and draining their own water heaters. Others come in as complete strangers to the mysteries of home repair, especially those who haven’t lived in a single-family home before. YouTube has a lot of home repair videos, but someone who is completely unfamiliar with the territory may be skittish about opening up the back of a washer to check a drain.

A home warranty can take the financial sting out of calling in a professional by limiting the cost of the repair to the service-call fee, and it can prevent homeowners from endangering themselves or their home while trying to save the cost of a contractor.

Home Buying and Selling

The best home warranty companies protect both buyers and sellers—and while they’re primarily aimed at buyers, they may be even more useful to the sellers. Home pricing is a carefully calculated formula of how much the home is worth, how much it could sell for, and what aspects of the home may need to be upgraded by the buyer.

If the seller is also buying a new home, finances can be very tightly budgeted, especially if there’s a new mortgage to be paid. A catastrophic system failure while the house is on the market can be devastating, as the house can’t sell without the system, but paying for the replacement may be difficult or impossible for the seller.

After the sale is made, a warranty protects the seller from demands that they cover a system failure that occurs in the first year after the sale. It can also make buyers feel secure that they won’t need to make such demands of the seller and can instead just make a claim on the warranty.

How to Save Money on Home Warranty Cost

Since home warranties are less common than homeowners insurance and are not required by lenders like insurance coverage is, many homeowners are not familiar with this type of coverage and may rightly wonder, “Are home warranties worth it?” Maintenance costs add up quickly, and unless their home has brand-new systems and appliances, there is a good chance that a homeowner will need to pay for a repair sooner or later.

In this regard, home warranties can pay for themselves and then some. Additionally, with home warranty prices typically falling between $264 and $1,425, most homeowners will be able to find a plan in their price range. However, there are some ways homeowners can make sure they’re getting the best price, including the following:

  • Request multiple quotes. Getting quotes for home warranty price comparison and asking about discounts is a good way to avoid overpaying.
  • Consider a basic plan. If paying for a premium plan isn’t feasible, it may still be worth it for a homeowner to opt for a basic plan that covers features that would be the biggest financial burden to repair.
  • Ask about discounts. Some home warranty companies may offer a discount if you take out a multiyear policy or pay the annual fees up front.

Questions to Ask About Home Warranty Coverage

Home warranties can provide great security and peace of mind, but they also come with potential pitfalls and exclusions, so it’s important for homeowners to be clear on what a policy covers and how to use it. Before signing a contract, it’s a good idea for customers to get clear and specific answers to some important questions.

  • What kind of documentation is necessary to prove that systems or appliances have been maintained in order to make a claim on the warranty?
  • What are the coverage limits per claim and overall?
  • How much is a service call? Is a fee assessed per visit or per event? How long can an “event” last?
  • Do you cover refrigerant?
  • Do you cover pre-existing conditions?
  • Do I pay the service fee to the contractor, or does the warranty company pay the contractor and bill me for the service fee?
  • Can I choose my own contractor for repairs and replacements, or will the company select the workers?
  • Will I have some say in the brands and types of materials used for replacements? If I want something more expensive than the appliance or system that was in place, can I pay the difference for the higher-grade item?
  • What upgrade options do you offer?
  • How do I file a claim or request service?
  • Are there any limits on how often I can file a claim?
  • Is there a waiting period before I can request service?
  • What is your cancellation policy?
  • How long does coverage last? How and when can I renew my contract?


There are lots of layers and details for homeowners to sort out when choosing the best home warranty for their needs. There are several frequently asked questions that may come up and can help homeowners decide if a warranty might provide extra financial security and peace of mind.

Q. What does a home warranty cover?

Home warranties are service contracts for the whole-home systems and appliances in and around the home. They’ll cover the cost of service, repair, and replacement of covered systems and appliances less a per-visit service fee.

Q. What is the difference between a home warranty and homeowners insurance?

Home warranties cover repairs and the replacement of home systems and appliances that are needed as a result of age or wear and tear. They do not cover damage. Homeowners insurance covers damage to the home, inside and out, that results from certain covered events, but it will not cover incidents related to the age of a system or appliance. Together, insurance and warranties provide comprehensive home protection.

Q. Can I buy a home warranty any time I want?

While it’s common to see home warranties discussed extensively around buying and selling homes, home warranties can be purchased at any time, although it’s common for policies to include a waiting period before coverage begins.

Q. What does a home warranty not cover?

Home warranties do not usually cover safety checks, regular annual maintenance (unless the maintenance is in the guise of a repair), or damage or failure due to unforeseen events such as weather, fire, and floods. They also do not cover failure that is a result of a DIY repair gone wrong.

Q. Do home warranties cover washing machines?

If it’s in the policy, it’s likely covered! Most home warranty companies offer an appliance plan that includes washing machines.

Sources: Consumer Affairs, Forbes

Fri, 20 Oct 2023 06:32:00 -0500 en text/html https://www.bobvila.com/articles/home-warranty-cost/
Rebate plan for energy efficient appliances
AUSTIN, TX The U.S. Department of Energy approved the rebates for consumers who buy eligible Energy Star appliances and replace the same type of old appliance that's functional. The Texas program will also offer an incentive to recycle old appliances.

"Flat rebates will be given on Energy Star certified refrigerators, freezers, room air conditioners, central air conditioners, heat pumps, water heaters, clothes washers and dishwashers," Combs said. "An additional $75 recycling rebate will go to consumers who buy an eligible appliance and recycle the same type of functional old appliance."

The mail-in rebates will apply to eligible appliances purchased between April 16 and April 25, 2010. The 10-day period will coincide with Earth Day. Offering the program next spring will supply retailers time to stock up on appliances, supply the state time to select a vendor to administer the rebates, and allow ample time to inform consumers about details of the rebate program.

"We want to create a program that works for Texas — one that stimulates retail, helps consumers save money and energy and conserves our natural resources by responsibly disposing of as many old appliances as possible," Combs said. "The rebates will focus on the appliances that will save the most energy and water for Texas."

The rebates will be as follows:

    Appliance           Rebate           With $75 Recycling Rebate
    Refrigerator           $240           $315
    Freezer             $180           $255
    Room Air Conditioner        $45           $120
    Clothes Washer           $150 or $180*           $225 or $255
    Dishwasher           $110 or $140*           $185 or $215
    Central Air Conditioner      $600 , $800 or $1,000*       $675, $875 or $1,075
    Heat Pump           $1,200 – $1,600*           $1,275 – $1,675
    Water Heater           $255 – $640*           $330 – $715
    * depending on appliance type and energy efficiency of model purchased

Consumers will have an opportunity to reserve an appliance rebate by calling a toll-free number or registering online approximately two weeks prior to April 16, 2010. After the reserved mail-in rebates are awarded, any remaining funds will be rebated to consumers on a first-come, first-served basis. Shoppers will be limited to two appliance rebates and two recycling rebates per household.

The Comptroller's State Energy Conservation Office is also working with retailers and recycling facilities to create a system to help consumers replace functional old appliances and recycle them where available.

Further information on the rebate program will be announced as details are finalized. Consumers can sign up for e-mail updates on the rebate program at www.secostimulus.org/rebate.

Copyright © 2023 KTRK-TV. All Rights Reserved.

Thu, 10 Dec 2009 10:00:00 -0600 en text/html https://abc13.com/archive/7166615/
Mathematics Graduate Program Information

Program-Specific Degree Requirements

Master's Programs: M.A. and M.S. Plan A and Plan B

The math department maintains 4 tracks by which students may obtain a Master of Arts (M.A.) or Master of Science (M.S.) degree in mathematics.

The following requirements are common to all four tracks:

  • The student must maintain a 3.0 cumulative GPA.

  • The student must complete 30 hours of formal mathematics coursework at the 5000 level.

  • As part of the 30 hours of formal 5000-level mathematics courses, the student must complete the following courses with a grade of B or better:

    • o MATH 5200: Real Variables I,

    • o MATH 5230: Complex Variables I,

    • o MATH 5310: Computational Methods I

    • o MATH 5400: Methods of Applied Mathematics I,

    • o MATH 5500: Advanced Linear Algebra, and

    • o MATH 5550: Abstract Algebra I.

  • The student must pass the department’s Foundation Exam. This exam covers material from advanced vector calculus and linear algebra at the upper-division undergraduate level and is offered before the beginning of each semester.

  • Take one hour of the seminar 4970: Professional Development in Mathematics and one hour of the seminar 4970: Professional Development in Teaching.

In addition to the common elements above, students must select and complete one of the capstone experiences described in the tracks below.

Track #1: Master's Thesis (Plan A)

Within the 30 hours of 5000-level courses, the Plan A student must complete 4 hours of MATH 5960: Thesis Research. At least 26 hours of 5000-level coursework must be math-content courses (not thesis research).

The student must prepare a master’s thesis (Plan A) and supply an oral defense of the thesis. In the mathematics program, a Plan A thesis reports on the result(s) of independent and original research completed by the student under the direction of a faculty member. The thesis should describe the research and its results and be written to the standards of the appropriate area of mathematics.

Track #2: Master's Paper (Plan B)

The student must prepare a master’s paper (Plan B) and supply an oral defense.

To write a Plan B paper, the student must present an expository paper on a designated mathematical subject. Students are guided by their advisor in the subject matter and in the preparation of the paper. A successful paper and defense demonstrates that the student has mastered a substantial mathematical Topic that is beyond those covered in formal foundational coursework.

Track #3: Coursework/Project (Plan B)

A second M.A. or M.S. option exists for the Plan B student. In lieu of writing a paper, the student takes a sequence of three 5000-level courses that all address a common mathematical theme. The sequence must be approved by the student’s advisor and the mathematics graduate committee. Two of the courses must be mathematics-department offerings, and the third may be either a mathematics course (including reading/topics courses) or a course from another department in a related field.

  • The student must complete an additional 6 hours of courses at the 5000 level. Thus, Track #3 requires the completion of 36 hours of graduate-level coursework.

  • Within the 36 hours, the student must propose and complete with a grade of B or better an appropriate 3-course sequence

  • The student will write a short paper illustrating how the common mathematical theme of the sequence manifests itself in the content of each course and supply a presentation/defense of the paper.

In approving the student’s proposal for this option, the graduate committee and the advisor will consider how the writing and independent study spirit of the Plan B option are fulfilled within the recommended plan.

Track #4: Qualifying exam (Plan B)

A third M.A. or M.S. option exists for the Plan B student. In lieu of writing a paper or taking additional coursework, the student must take and pass the department’s PhD Qualifying Examination in one of the three areas: Analysis, Algebra, or Applied Mathematics. These examinations focus on the material in the required courses.

  • Pass one of the department’s qualifying exams in:

    • o Analysis (MATH 5200 and MATH 5230)

    • o Algebra (MATH 5500 and MATH 5550)

    • o Applied Mathematics (MATH 5310 and MATH 5400)

  • The oral component of this Track will consist of a defense of the student’s written answers to qualifying exam.

These examinations are given twice a year at the beginning of the fall and spring semesters.

**This option is intended for students who will continue for a PhD at UW.**

Doctoral Program

The student must maintain a 3.0 cumulative GPA.

The student must teach two semesters of college mathematics.

The student must complete a combination of 72 hours of coursework and dissertation research. Within the 72 hours, a maximum of 12 hours can be at the 4000 level, and 42 hours must be formal courses at the 5000 level. The courses must be mathematics courses or courses with significant mathematical content, as approved by the department's graduate committee.

Within the 42 hours of 5000-level courses, the student must:

  • Complete MATH 5200, 5230, 5310, 5400, 5500, and 5550 with a grade of B or better.

  • Take two hours of MATH 5800-02, Seminars and Colloquia.

  • Complete the courses distributed in three areas: algebra, analysis, and applied mathematics. The student must take at least two courses in each of two categories and at least one course from the third category. The department maintains a list of course categories.

In addition, the student must:

  • Pass the foundation exam, the qualifying exam in the student's research area, and the preliminary exam.

  • Write a dissertation containing the student's original mathematical results and present an oral defense of the research.

  • Take one hour of the seminar 4970: Professional Development in Mathematics and one hour of the seminar 4970: Professional Development in Teaching.

Mathematics (MATH) Courses

Apply to the Graduate Program

Sat, 30 Apr 2022 23:22:00 -0500 en text/html https://www.uwyo.edu/mathstats/academics/graduate/mathematics-graduate-program.html
Best Pet Insurance Companies Of November 2023

The type of pet you insure is only one factor in determining your pet insurance costs. For example, the average cost of pet insurance for a dog is $44 per month and $30 per month for a cat, according to Forbes Advisor’s analysis. That’s based on a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement level.

Here are some other common factors that determine pet insurance costs.

Annual Maximum, Deductible and Reimbursement Level

These are the three main variables that determine how much reimbursement you’ll get if you file a pet insurance claim: annual maximum, deductible amount and reimbursement percentage. Pet insurance will cost more if you choose a high annual maximum, low deductible and/or high reimbursement level.

Pet’s Age

Younger pets are typically cheaper to insure than older pets. That’s because older pets are more likely to have injuries and illnesses, which means higher vet bills. Those higher insurance claims are passed on to policyholders in the form of higher pet insurance premiums. We found the best prices for pet insurance are after a pet’s first birthday until around age six.

Pet’s Breed

Certain breeds are predisposed to hereditary problems and illnesses, which could result in more vet visits and higher medical costs.

For example, a small mixed breed dog costs $33 per month to insure compared to $76 per month for a French bulldog, according to a Forbes Advisor analysis of the most expensive dogs to insure.

Pet’s Gender

Pet insurance companies have found that female pets usually have fewer claims compared to males, so some insurers use pet gender in pricing. Male pets cost about 5% more than females for pet insurance, according to the National Association of Insurance Commissioners.

Your Location

The average cost for a veterinarian visit is about $61, based on Forbes Advisor’s analysis. Since average vet costs vary around the country, insurers account for that when setting rates.

Tue, 31 Oct 2023 20:43:00 -0500 Jason Metz en-US text/html https://www.forbes.com/advisor/pet-insurance/best-pet-insurance/

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