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Killexams : Tibco BusinessWorks exam syllabus - BingNews Search results Killexams : Tibco BusinessWorks exam syllabus - BingNews Killexams : TIBCO Named a Leader Again in 2023 Gartner Magic Quadrant for Integration Platform-as-a-Service, Worldwide

Real-Time Enterprise iPaaS Delivers Clear Business Value to Customers

SANTA CLARA, Calif., February 06, 2023--(BUSINESS WIRE)--TIBCO, a global leader in enterprise data, empowers its customers to connect, unify, and confidently predict business outcomes, solving the world's most complex data-driven challenges. Today, TIBCO announced it was again named a Leader in the 2023 Gartner® Magic Quadrant™ for Integration Platform-as-a-Service (iPaaS), Worldwide. TIBCO offers customers a reimagined enterprise iPaaS experience, with real-time, flexible integration capabilities to connect any app, data, device, or process and ensure on-time, cost-effective delivery of digital business initiatives.

"Today's customers need to respond to business opportunities and threats quickly, making integration a critical element required to drive any digital business initiative," said Matt Quinn, general manager, TIBCO, a business unit of Cloud Software Group. "TIBCO enables businesses to accelerate connectivity across the organization with flexible and broad integration capabilities, empowering myriad users to solve all integration challenges. We continue to see high levels of customer adoption due to our unparalleled ability to deliver an exceptional solution for customers and partners to connect their organization."

The TIBCO Cloud™ Integration iPaaS enables users to solve any integration challenge with a comprehensive set of integration and automation offerings. Unlike other vendors, TIBCO continues to differentiate itself through support for real-time, event-driven integration, powered by strong messaging and event-processing capabilities. TIBCO empowers any user – including business technologists, integration specialists, developers, and application owners – to create digital services, automate processes, and connect enterprise digital assets. Additionally, TIBCO delivers complete flexibility in how organizations purchase, design, extend, and deploy integration solutions, helping users choose the best-fit solution for their specific challenge. TIBCO Cloud Integration enables companies to take advantage of cost-effective and flexible integration solutions, ensuring on-time delivery of critical digital initiatives.

The 2023 Gartner® Magic Quadrant™ for Integration Platform as a Service (iPaaS), Worldwide evaluated the strengths and cautions of multiple vendors in the market. According to Gartner, "Leaders execute well against their current vision and are well positioned for tomorrow."

TIBCO adds its acknowledgment as a Leader in the 2023 Gartner® Magic Quadrant™ for Integration Platform-as-a-Service, Worldwide to a growing list of recognitions, including being named a leader in the following reports: Forrester Wave for Enterprise iPaaS, GigaOm Radar for iPaaS, GigaOm Radar for Cloud Platforms for Hybrid Integration and Automation, and the Nucleus Research iPaaS Technology Value Matrix.

Read the full 2023 Gartner® Magic Quadrant™ for Integration Platform-as-a-Service, Worldwide report.

Gartner, Magic Quadrant for Integration Platform as a Service, Worldwide, By Keith Guttridge, Andrew Comes, Saikat Ray, 24 January 2023.

Gartner does not endorse any vendor, product or service depicted in its research publications and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s Research & Advisory organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

Gartner and Magic Quadrant are registered trademarks of Gartner, Inc. and/or its affiliates in the U.S. and internationally and are used herein with permission. All rights reserved.


TIBCO, a business unit of Cloud Software Group, unlocks the potential of real-time data for making faster, smarter decisions. Our Connected Intelligence Platform seamlessly connects any application or data source; intelligently unifies data for greater access, trust, and control; and confidently predicts outcomes in real time and at scale. Learn how solutions to our customers' most critical business challenges are made possible by TIBCO at

TIBCO, TIBCO Cloud, and the TIBCO logo are trademarks or registered trademarks of TIBCO Software Inc. and/or its subsidiaries in the United States and/or other countries. All other product and company names and marks mentioned in this document are the property of their respective owners and are mentioned for identification.

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Tue, 07 Feb 2023 00:23:00 -0600 en-US text/html
Killexams : ICSE Syllabus for Class 10 2023: obtain Revised & Reduced Syllabus PDF

ICSE Class 10 Syllabus 2023: CISCE has made available the 2022-23 academic session ICSE Syllabus for class 10. The ICSE syllabus 2023 class 10 is available on its official website Get ICSE Syllabus 2023 Class 10 PDF from this article. 

ICSE Syllabus 2023 for Class 10th Board Exam

ICSE Class 10 Syllabus: CISCE or Council for the Indian School Certificate Examination has published ICSE syllabus 2023 class 10 for 2022-23.  The syllabus of all subjects for the 2022-23 academic session has been provided by the Council on its website. At, students can obtain ICSE Syllabus 2023 Class 10 PDFs for all subjects. 

In this article, we will be providing the revised and updated subject wise ICSE syllabus 2023 along with the direct links for the students to obtain it. 

ICSE Syllabus Class 10 Highlights

Related: ICSE exam Preparation Tips 2023: 7 Tips to score 95+ and study time table

In May 2022, CISCE announced some changes in its examination patterns and the curriculum for 2022-23 examinations. 

The Council for the Indian School Certificate Examination (CISCE) announced that for the  2022-2023 academic session, CISCE is going to revert back to its earlier format of conducting annual board examinations. In other words, similar to the examination pattern being followed pre-pandemic, there would be only one board examination conducted for class 10 each year. 

The Council announced the exam pattern modification and the changes in its syllabus in May, 2022 with a notice released on its website.

Thus, ICSE board examinations 2023 and the upcoming ICSE Class 10 board examinations, hereafter, will be held only once a year. 

During the pandemic, CISCE had to resort to adapting multiple board examinations in each academic session pattern. 

CISCE also announced that it has revised the curriculum for some of Class 10 subjects. The ICSE syllabus 2023 class 10 has been made available at in the form of PDF files. These PDFs can be found in the Publication section of the CISCE website.

Check the notification below:


Related: ICSE Class 10th Date sheet 2023 Released: Check the complete exam date sheet and guideline here

Also check: ICSE Syllabus 2023: obtain ICSE, ISC Board exam Syllabus PDF

Key Benefits of ICSE Class 10th Syllabus

  1. The ICSE syllabus Class 10  is extensive enough for both the subject teachers and students to be able to comprehend the demands of the subject.
  2. The detailed course content provided in the ICSE Class 10 syllabus helps the teachers to prepare and organize the course.
  3. The well elaborated ICSE Class 10 2023 syllabus is also a guide for the students to use as a checklist for their regular study and exam preparation.
  4. ICSE Syllabus 2023 can be used by students to ensure that they have covered all the Topics and subtopics to be evaluated in the examination.
  5. Since the syllabus of ICSE class 10 2023 also contains the Internal Assessment details, students can benefit by using the syllabus throughout the year.

How Does ICSE 10th Syllabus Help Students in Their Board exam Preparation?

The ICSE Class syllabus 2023 is a prerequisite for ICSE Board exam preparations as it is the first resource material to start your exam preparation with. The ICSE Class 10 examination results are very important for students as it is the first and one of the major examinations that a school student appears for. As illustrated by the aforementioned benefits of ICSE Class 10th syllabus, referring to ICSE syllabus will help students score good marks in Board exam 2023.

Related: CBSE vs ICSE: Check the TOP 5 Differences


Can I score good marks using the ICSE Class 10th Syllabus of 2022-2023

Of course. Students who work hard and prepare for ICSE Class 10th board exam 2023 using the prescribed ICSE Class 10th Syllabus of 2022-2023 will be able to perform very well and score good marks in the examination.

What is the syllabus of ICSE Class 10?

Get ICSE Class 10 syllabus 2023 from this article. Here, you can check the complete syllabus content subject wise and also obtain the syllabus in PDF for each subject.

Sun, 29 Jan 2023 20:24:00 -0600 text/html
Killexams : How To Crack UPSC 2023

It is recommended to allocate a minimum of 3 to 4 hours for studying over the weekdays and maximise effort during the weekends, suggests Sarmad Mehraj, teacher and VP, product (UPSC) at BYJU'S.

IMAGE: Aspirants discuss the question paper after appearing for the Union Public Service Commission Civil Services Prelims exam in New Delhi. Photograph: ANI Photo

The Indian Administrative Service (IAS) is a highly coveted career path for many graduates in India.

The competitive nature of the examination, formally referred to as the Civil Services Examination (CSE), requires a significant amount of dedication and preparation.

While some individuals may choose to pursue this opportunity full-time, others may have to balance their preparation along with their professional careers.

The registrations for Union Public Service Commission programme have commenced February 1, 2023.

The last date to register for the exam is February 21, 2023.

IMAGE: Aspirants arrive to appear for the UPSC Defence Services Examination (CDS, NDA and NA) in Bhopal. Photograph: ANI Photo

Although lakhs of students register for the exam every year, only those who qualify the preliminary exam, will be eligible to appear for the Main exam.

The 2023 UPSC Civil Services Preliminary exam is scheduled May 28, 2023.

Candidates who clear the preliminary examination can appear appear for the Main exam on September 15, 2023.

If you have a full time job and want to know how you can optimise your time and resources to effectively and efficiently prepare for the IAS exam, these tips will help you.

IMAGE: An aspirant shows his admit card to police personnel as he arrives at the entrance of the examination centre to appear for the UPSC Civil Services Prelims exam in New Delhi. Photograph: ANI Photo

1. Begin preparations well in advance

It is highly recommended to initiate preparations for the Civil Services Examination (CSE) well in advance, with a lead time of approximately nine to ten months before the preliminary examination.

During this preparation period, it is important to establish a strong base in core subjects such as history, economics, and polity, as well as the chosen optional subject.

The initial six months should be dedicated to the simultaneous preparation for both the preliminary and main examinations, as this can help to effectively cover a substantial portion of the syllabus set forth by the Union Public Service Commission .

2. Optimise your schedule

The success of a candidate in the highly competitive CSE largely depends on their level of preparation and ability to stay focused on the most critical topics.

As many aspirants are also working professionals, it is crucial to find a way to manage time effectively, without compromising on the quality of their preparation.

One approach to accomplishing this is to divide the study hours into several segments, such as before work, during work if possible, after work, and revision.

One effective approach to integrate study during work hours is to view informative video analyses of the daily newspapers or simply read the newspaper during lunch breaks.

This approach helps to maintain the continuity of preparation, even on busy days.

This rigorous preparatory schedule should also cover all critical areas, including General Studies, Current Affairs, and the optional subject of choice.

3. Balancing idealism and pragmatism

For many working professionals aspiring to crack the CSE, the question of whether to quit their current job or not is a pressing dilemma.

On one hand, dedicating full-time efforts to CSE preparation might seem like the ideal path, but on the other hand, it may result in sacrificing one's career progression.

In this regard, striking a delicate balance between idealism and pragmatism is key.

If you have the financial means to support yourself during your preparation, and you believe that appearing for the exam aligns with your long-term career goals, then quitting your job might be a viable option. However, work experience plays a significant role in scoring well during the UPSC interview.

It is advisable for working professionals to find a way to manage their time effectively, and balance professional and personal responsibilities while preparing for the CSE.

It is recommended to allocate a minimum of 3 to 4 hours for studying over the weekdays and maximise effort during the weekends.

4. Stay organised with a timetable

It is crucial to maintain a healthy work-life balance, including a good sleep schedule.

The preparation plan while working involves setting aside two hours daily for General Studies before work, 45 minutes during work breaks for Current Affairs and newspaper analysis, and two hours after work for the optional subject.

After dinner, a revision of 20 minutes is recommended to reinforce the learning. On weekends, it is advisable to review the week's work, and perform answer writing and mock tests.

Several months prior to the Preliminary examination, the focus should be prioritised on the relevant aspects of General Studies, with a particular emphasis on environmental and scientific topics.

Incorporating the revision of monthly current affairs magazines is suggested to effectively tackle the dynamic component of the Civil Services Examination syllabus.

Dedicated practice is necessary for the CSAT (Civil Services Aptitude Test) paper.

If the performance in the Preliminary exam is good, taking time off from work to focus on the Mains is advisable, as it requires in-depth study.

After the Mains, returning to work and keeping up with Current Affairs for the interview is crucial.

It is also beneficial to connect with others who share a similar goal and establish a study group -- assigning specific Topics to each member for discussion during the weekend is an efficient use of time.

And finally, it is paramount for professionals attempting to appear for the IAS exams to believe in themselves and their abilities.

Remember, you've made it this far and have the skills and knowledge to succeed.

Take one step at a time. Stay organised, prioritise your tasks, stay motivated, and remain positive.

Celebrate your progress along the way, and keep in mind that mistakes are part of the learning process.

Surround yourself with positive people, and don't forget why you're working so hard in the first place. All the best!

Feature Presentation: Ashish Narsale/

Thu, 16 Feb 2023 20:39:00 -0600 en text/html
Killexams : ICSE Syllabus 2023: obtain ICSE, ISC Board exam Syllabus PDF

ICSE, ISC Syllabus 2023: CISCE has made available the 2022-23 academic session subject wise syllabus for class 10th on its official website Check here the complete subject wise ICSE Board syllabus class 10th.

ICSE, ISC Syllabus: Council for the Indian School Certificate Examination, also known as CISCE, has published the ICSE syllabus 2023 of all its subjects for the 2022-23 academic session. The revised and updated syllabus for both classes 10 and 12 have been provided on the official website of CISCE at 

In this article, we will be providing the all the latest, revised and updated subject wise ICSE and ISC syllabus for the academic year 2022-23. 

ICSE Syllabus 2023 Overview

For the current academic session 2022-2023, the Council for the Indian School Certificate Examination (CISCE) has decided to revert back to its earlier format of conducting annual board examinations. Therefore, ICSE, ISC board examinations will be held only once a year. Earlier, the board had changed the examination pattern during the pandemic, opting for multiple board examinations a year.

The Council announced the changes in the exam pattern and the changes in its syllabus in May, 2022 with a notice released on its website.

CISCE announced that it has revised the Class 10 and class 12 curriculum for some subjects. The same has been notified through an official notification. The ICSE syllabus 2023 class 10 has been made available at the official website of CISCE in the form of PDF files. 

To save the precious time of students appearing for ICSE Board 2023 examinations, we have provided here the subject wise syllabus as well.

Candidates can obtain the ICSE Board syllabus 2023 by clicking on each subject-wise ICSE Syllabus 2023 links below. Download ICSE Syllabus by Class in PDF.

Download ICSE Syllabus by Class in PDF

As per the revised and updated curriculum, in this article, we have provided the latest syllabus.

Students can also check the notification through which CISCE announced the changes in the curriculum.

CISCE announced the changes in the exam pattern and the changes in ICSE, ISC syllabus

In the following tables, candidates going to appear in the upcoming ICSE Board examination 2023 and ISC Board examination 2023 can get the syllabus for different subjects in separate PDFs.

ICSE Syllabus for Class 10

The syllabus articles provided here are for all the subjects in class 10th. These articles enlist all chapters and units which are to be covered for the theory and practical portion of each subject.

Related: ICSE exam Preparation Tips 2023: 7 Tips to score 95+ and study time table

These will prepare the candidates to perform their best in ICSE Board examinations 2022-23 which will commence from February 27, 2023.

ISC Syllabus for Class 12

Class 12th board exam is an important milestone for any school students as they step into a newer world.

In the articles given below, you will find the subject wise ISC Syllabus Class 12 in PDFs.

Using these, students can not only have a solid preparation but also confidence of preparing well for their examination.

Key Benefits of ICSE Syllabus

  1. The ICSE and ISC syllabus Class 10 and 12, respectively,  is a course-planning tool beneficial for the learner and the educator
  2. It helps the instructor to prepare and organize the course.
  3. ICSE and ISC Syllabus 2023 illustrates the course contents, course objectives, learning goals, along with the course structure, project work topics, question paper design, and other relevant activities.
  4. Both educators and the students get a clear idea of the course content and the knowledge they will gain throughout the course with the help of the syllabus prescribed by CISCE.

How Does ICSE Syllabus Help Students in Their Board exam Preparation?

The ICSE and ISC syllabus 2023 is the basic and the foremost study material required to start board exam preparation of a particular subject as it describes the Topics and concepts to be covered in the examination.  

Therefore, the subject syllabus is one of the most important resource to help you prepare and score well in ICSE, ISC Board exam 2023 preparation.



What is the syllabus of ISC 2023?

Check the ISC 2023 syllabus for all subjects in this article. The syllabus has been provided subject-wise in PDFs.

Can I score good marks using the ISC Syllabus 2022-23?

Yes, ISC syllabus is one of the first resource material that any candidate preparing for ISC Board exam should refer to. Hence, you will score good marks if you use ISC syllabus in 2022-2023 board exam.

What is the syllabus of ICSE?

Candidates of ICSE board can check the ICSE Board 2023 syllabus Class 10 for all subjects in this article by Jagran Josh.

Can I score good marks using the ICSE Syllabus of 2022-2023?

Yes, ICSE syllabus is one of the prerequisite, in fact, to prepare well and score huge marks in ICSE Board examinations. Therefore, you will score good marks using ICSE syllabus in 2022-2023 board exam.

Mon, 23 Jan 2023 22:30:00 -0600 text/html
Killexams : Why seniors should buy no-exam life insurance
senior couple on beach
No-exam life insurance policies offer flexibility and an expedited approval process. Getty Images

Life insurance is considered to be a vital part of financial planning for millions of adults. But for seniors, the benefits are not always clear. The cost of getting a policy relative to the coverage that can be secured can be inconsistent.

But that doesn't always mean life insurance for seniors isn't worth it. This particular financial protection can be beneficial in multiple ways - from covering end-of-life expenses to serving as an inheritance to loved ones and more. To get the most out of a policy, seniors should do their homework to discover the most valuable and cost-effective type.

Enter no-exam life insurance. This type of insurance can be secured more easily than other common life insurance types - and it doesn't need to be expensive either. There are multiple advantages to no-exam life insurance for seniors that we will explore below.

If you're considering life insurance then start by getting a free price quote now.

Why seniors should buy no-exam life insurance

Here are three reasons why seniors should buy no-exam life insurance now.

They don't need to take an exam

The best reason for seniors to purchase this type of life insurance is obvious: They don't need to take a medical exam to secure a policy. While the absence of a medical examination is beneficial on multiple fronts, it's especially helpful for older adults. That's because life insurance medical exams are thorough, testing blood, urine, blood pressure and more. You'll need to answer a questionnaire online and sit for the exam with a medical professional. This vetting could reveal problematic health issues that could result in limited coverage and higher costs. Depending on the results of the exam, seniors could even risk having their application rejected altogether.

But with no exam, all of these concerns are removed from the equation, leaving the applicant one big step closer to securing a policy.

Get a free price estimate online now to see what it could cost.

They can get approved quickly

It can take days - if not weeks - to schedule a medical exam at a time and place that's convenient for both you and the insurance provider. The results of that exam then need to go back to the provider for closer inspection, at which point they will either approve you for the coverage you applied for or counter with an amount they feel comfortable with. They may also turn down your application in full. All of this takes time and, depending on the ultimate result, could leave you back at square one.

But with no medical exam, you'll significantly expedite the approval process. Some providers will approve you within days while others may sign off on an application the same day it was submitted.

Nobody likes to waste their time. For seniors, especially those enjoying their retirement, an arduous and lengthy process can be discouraging. Fortunately, they can hasten the life insurance application by choosing a no-exam policy.

They have options to choose from

No-exam life insurance isn't tied to one specific type of life insurance. Whole life insurance, for example, has an attractive cash reserve that can potentially be used by the policyholder while they're alive. It also lasts for the duration of the insured's lifetime. Term life insurance lasts only for specific timeframes before expiring. It's also generally cheaper than whole life insurance policies.

You can get a no-exam policy with either type of insurance. If you prefer whole life insurance you can apply for it minus a medical exam. You can do the same for term life insurance policies if you think that's the better fit. No-exam life insurance policies won't limit you to a specific type, giving you more freedom and options to choose from.

The bottom line

Life insurance can be helpful to have for adults of all ages - even seniors. But for older adults to get the most value from a plan they need to choose the right type. No-exam life insurance, in particular, with its lack of a medical exam and expedited process, is an insurance worth pursuing. It can be tied to either a whole or term life insurance policy, too, giving seniors the flexibility to secure the best policy for their needs. 

Start by getting a free price quote online today.

Thu, 09 Feb 2023 05:26:00 -0600 en-US text/html
Killexams : NET syllabus may be taken for faculty recruitment exam: DCE

The Directorate of Collegiate Education has drafted a list of faculty from aided and government colleges to finalise the syllabus for the test for faculty recruitment for government arts and science colleges.

In a circular, M. Eswaramurthy, the Director of Collegiate Education, said the NET syllabus might be taken as the basis for the exam. If the NET syllabus was unavailable for a subject, the SET syllabus might be taken. For subjects having neither of the syllabus, the university syllabus might be taken.

The PG syllabus of a subject would be used. The work would be conducted on Monday and Tuesday.

Sun, 22 Jan 2023 04:02:00 -0600 en text/html
Killexams : US firm accused of improper behaviour

Durban — A major US-based multinational software conglomerate, Tibco, has been accused of serious ethical misconduct and non-compliance with South Africa's corporate governance laws after it cancelled a trading contract with its local Black Economic Empowerment (BEE) partner, TechSoft, without the prescribed notice as per the contract between both parties.

According to documents obtained by the Daily News, the two tech companies had established a joint venture and strategic partnership agreement (SPA) known as TechSoft to provide software services to private and state-owned companies such as Telkom.

Other clients of the joint venture, which include Rand Merchant Bank (RMB), Nedbank, First Rand Group and many others in Sub-Saharan African countries, are alleged to have been affected. They were faced with possible system disruptions as Tibco abruptly attempted to end the relationship in September when it cancelled the contract, plunging the local supplier into huge financial costs running to several hundreds of millions of rand.

TechSoft responded by filing an urgent court application to interdict the cancellation and demanded the reasons for stopping the contract as the company believed that it had agreements that prevented such an event from being executed.

According to documents, the matter has been through several iterations in court, where the judge ruled in favour of TechSoft that the matter was urgent and a determination needed to be made as soon as possible.

In its heads of arguments, TechSoft said it would suffer irreparable damage, including laying off 60 staff.

TechSoft corporate affairs executive Brian Mpono said his company had a firm view that the cancellation was unlawful and irrational since their company was not given the notice and termination as per the contract.

He explained that besides not being given appropriate notice, the company did not even believe there were valid reasons for cancellation since TechSoft had not breached any partnership agreement, arguing that was the reason why they decided to challenge the decision in court.

Mpono said under normal circumstances, and in respect of the spirit of the TechSoft SPA, Tibco could have behaved ethically and given consideration for its BEE partner of 16 years by implementing a structured plan which protected both brands and the goodwill of both entities.

“This could have easily been achieved, but Tibco exercised its strength and failed to do this,” he said.

He added that instead of giving his company notice and dealing with the matter collectively, Tibco management, without TechSoft’s knowledge, informed customers not to do business with TechSoft.

“I don’t believe it’s ethical, and definitely should not be condoned,” said Mpono.

He further blasted Tibco for not being honest in court.

“When the judge questioned why we were in court as Tibco had not cancelled and may choose not to cancel, the judge continuously indicated that Tibco may not cancel, and at no point did Tibco’s counsel confirm their intentions.”

Mpono added that his company then filed another urgent application and this time TechSoft won, based on urgency.

“We were shocked to learn from our clients that we did not have a contract to supply them, yet our contract states that Tibco is obliged to fulfil all TechSoft obligations as TechsSoft is an extension of Tibco.

“How unethical was that for a reputable international company providing a strategic business to big organisations, including state-owned enterprises?” said Mpono.

Furthermore, Mpono said the whole action by Tibco made them conclude that it never entered into a partnership with them in good faith, but used TechSoft for their BEE credentials since South African laws required them to have black partners in order to continue getting tenders from the government, and most private sector companies as well.

When pressed for comment, Tibco’s legal representative, Jason Hunter, from Thomson Wilks attorneys said: “Please note that your letter has been directed to our offices by Tibco, whom we represent in the proceedings under Case No: 047934/2022. We are taking instructions from our client and will provide formal correspondence once we have our instructions.”

They would not be drawn into commenting further.

However, research shows that Tibco has been operating in SA since early 2000 as Tibco SA, until 2006, when the government made it mandatory for big companies who do work with the state to have local black partners.

This forced Tibco to negotiate with Dynatech, a black-owned local software company, which was doing similar work.

Their relationship grew to a point that they formed another joint venture where Tibco transferred its rights to Dynatech subsidiary, TechSoft, to establish the Techsoft JV and supply software to African countries.

Daily News

Wed, 18 Jan 2023 17:32:00 -0600 en-ZA text/html
Killexams : Is no-exam life insurance worth it?
Senior woman using laptop at home
Because no-exam life insurance doesn't test for any medical issues, it can be a preferred option for seniors and older adults. Getty Images

Life insurance can be valuable for millions of American adults. How valuable a policy is, however, is specific both to the individual and the type of life insurance under discussion.

Term life insurance is generally favorable for those who want the security and protection a policy can provide without having to break the bank to get it. Since these policies only last for a select time frame (hence the name) they tend to be less expensive than their more robust counterparts.

Whole life insurance, meanwhile, lasts for the duration of the policyholder's life. And it comes with an attractive cash reserve that can be used to pay down debt or other expenses while the insured is still alive. But they tend to be pricier than other policies on the market.

While the benefits of these two types of policies are clear, there are other types on the market that may also be advantageous to have. No-exam life insurance can be great for a variety of prospective policyholders. But how do you know if it's worth it for you? That's what we will explore below. 

If you're currently in the market for life insurance then start by getting a free price quote so you know exactly what to expect.

Is no-exam life insurance worth it?

No-exam life insurance is exactly what its name implies: No medical exam is required to secure approval. But is it right for everyone? Here are three groups that could find this insurance valuable.


Because this type of life insurance doesn't test for any medical issues, it can be a preferred option for many seniors and older adults. A medical exam, after all, tests blood, urine, blood pressure and more - all elements that could be below standard for seniors. When using these results for a traditional life insurance policy applicants could have their coverage severely limited (assuming they're approved at all).

By skipping the exam, you won't have to worry about getting approved. Whichever nagging health issues or pre-existing conditions you have will stay under wraps, allowing you to secure the life insurance that you and your beneficiaries need.

Get a free price estimate now so you know exactly what a policy would cost.

Young people

If you're young and healthy and want to make the life insurance application process as short as possible then no-exam life insurance could be beneficial for you. Because no medical exam is required for this type of coverage you could end up getting approved within days (if not within hours) after applying. 

Younger applicants will generally be offered more favorable rates and terms than older applicants, offsetting the typically higher cost connected to no-exam life insurance. It also has the benefit of providing immediate protection while you focus on other things. And because you're young, you can afford to wait to take a medical exam and go through a thorough vetting at a later date. 

Smokers and those with pre-existing conditions

If you're a smoker or were for a significant period of time, a life insurance provider could charge you significantly more. Similarly, if you're suffering from pre-existing medical conditions, with little chance of recovery, a life insurance provider would bill you more and/or limit the coverage provided.

By applying for a no-exam policy, you boost your chances of getting approved. And since no-exam policies can be offered with both whole and term life insurance types, you still may be able to secure the type of coverage you wanted.

Just note that each life insurance provider has different requirements so make sure to do your homework first. Start by getting a free price quote now or use the table below to review some top providers on the market.

The bottom line

No-exam life insurance can be a quick and painless way to secure financial protection for you and your loved ones. 

It can benefit a wide swath of applicants, particularly younger people who want the security a life insurance policy can provide without the hassle of going through the traditional application process. Seniors with existing medical concerns that otherwise may disqualify them from a policy would also benefit from this insurance type as would smokers and those with pre-existing medical conditions. 

Thu, 09 Feb 2023 10:04:00 -0600 en-US text/html
Killexams : UGC NET December Cycle 2022: Registration Ending in 2 Days; Check Syllabus, exam Dates Here As per the earlier notification, UGC NET 2022 exam is conducted for 82 subjects.(Photo Credit: Information Bulletin of UGC NET ) © Sumaila Zaman | Education Desk As per the earlier notification, UGC NET 2022 exam is conducted for 82 subjects.(Photo Credit: Information Bulletin of UGC NET )

UGC NET December Cycle 2022 Application Form at The National Testing Agency (NTA) will close the registration process for University Grants Commission National Eligibility Test (UGC NET 2022) December cycle on January 17, 2023. Eligible candidates can fill up the UGC NET application form by visiting the official website at UGC NET examination will be held from February 21 to March 10, 2023.

UGC NET December Cycle 2022 Application Correction Window

The last date for submission of the examination fee (through Credit Card/ Debit Card/Net Banking /UPI) is January 18. Candidates who have successfully submitted the UGC NET application form 2023 will be able to edit the details, if required, between January 19 to 20, 2023.

UGC NET December Cycle Admit Card 2022, exam City Slips

NTA will release the exam city slip in the first week of February. Meanwhile, the UGC NET December cycle admit card will be published in the second week of February.

UGC NET December Cycle 2022 Registration: How to Fill UGC NET Application Form?

  • Visit the official website of UGC NET 2023 at
  • Look for the link that reads, "UGC NET December 2022 application."
  • Register yourself on the portal. Fill up the application form.
  • Upload the scanned documents. Pay the application fee.
  • Submit the form and take a printout of it for future reference.

UGC NET December Cycle 2022: Check exam Mode, Pattern

The Examination will be conducted in Computer Based Test (CBT) mode only. The Test will consist of two papers. Both the papers will consist of objective type, multiple choice questions. There will be no break between papers. The medium of Question Paper shall be in English & Hindi only.

UGC NET December Cycle 2022: Check Syllabus

The candidates may note that the syllabus has been modified and the new syllabus applicable from June 2019 onwards has also been notified through a Public Notice on NTA website. Updated Syllabus for all NET Subjects can be downloaded from the UGC website:


Only one application is to be submitted by a candidate. In no circumstances, candidates will be allowed to fill more than one Application Form. For further clarification related to the UGC NET December 2022, the Candidates are advised to visit the official website(s) of NTA ( and (, for the latest updates

Sat, 14 Jan 2023 23:50:00 -0600 en-IN text/html
Killexams : Why is the Leaving Cert accounting syllabus so out of date?

Opinion: the current syllabus falls well short of reflecting the knowledge and expertise required for modern accountants

If I were to pitch accounting as a career to a secondary school student in 30 seconds or less, I would say the following: studying accounting provides you with broad business knowledge and skills. Few careers offer greater flexibility regarding potential industries, roles, and locations that accountants can target. The pay is excellent for newly qualified accountants, and a high proportion of CEOs in some of the world's largest companies have backgrounds in accounting.

Unfortunately, none of this enthusiasm is found in the current Leaving Cert accounting syllabus. The first description of accounting on the site’s landing page is "Leaving Certificate accounting provides students with the knowledge, understanding and skills in accounting and financial management necessary for managing personal and basic company accounts." It's hardly the stuff that will stoke the flames of ambition in a modern teenager.

Our Leaving Cert students are being examined on guidance two generations out of date.

In fairness, Wikipedia does no better with its opening definition of "accounting, also known as accountancy, is the measurement, processing and communication of financial and non-financial information about economic entities such as business and corporations".


To be fair, accountants do indeed have strong technical skills related to the above areas. However, what the definitions miss is that modern accounting also requires the development of more general business competencies like strategic management and leadership, data analytics, risk management, and sustainability, and key personal values like ethics and professionalism. Right now, professional accounting bodies and firms are using their wide breadth of competencies to position themselves as leaders in meeting the business challenges of a VUCA future: more volatility, uncertainty, complexity, and ambiguity.

So how exactly does the current Leaving Cert syllabus fall short of reflecting this necessary knowledge and expertise?

Too much focus on financial performance

Accounting is the language of business and, historically, business was all about financial profits. However, modern accounting is evolving with businesses to more sustainable models. The definition of success is now much broader and requires businesses to determine a more well-rounded perspective of their operations and relationships with the community, environment, and economy. Rather than solely focusing on bottom-line financial profits, we now talk about the "triple bottom line": people, planet and profit.

The people category requires businesses to consider their impact on all stakeholders, like employees and the local community, and not just business owners. The planet category requires businesses to consider the impact on their natural environment, the size of their carbon footprint and use of natural resources. Even the definition of profit is different from the old-school model because businesses now need to consider their economic impact beyond profits for owners, such as creating employment and driving innovation.

It's clearly out of date

The syllabus requires students to know about an accounting standard called SSAP 2. Accounting standards are legal guidance on accounting for certain transactions and events and are often revised and updated to incorporate emerging issues. SSAP 2 was issued in 1971, but was superseded by a new standard in 2001, which was superseded again in 2015.

What this means is our Leaving Cert students are being examined on guidance two generations out of date. That might be fine if a client is a history lover, but not so much if they need up-to-date business critical advice.

These two observations highlight the growing gap between how accounting is taught to Leaving Cert students versus the wider societal role of accounting that we are witnessing.

We owe it to students to help them develop knowledge and skills to tackle a different landscape than any prior generation has faced.

However, accounting also faces another endemic problem spread across the leaving cert: the bias towards rote learning. At its simplest, rote learning is a memorisation technique that involves repeating facts and figures until they are stored in memory banks. Rote learning has advantages and is an important tool in developing foundational knowledge (think of primary school children learning the alphabet). It is not without its value in Leaving Cert accounting but unfortunately, it completely dominates the learning landscape for students in their two-year points race.

I meet some of these students when they come to study accounting in UCC. They arrive as "recall experts" in content judged important 30 years ago when the current Leaving Cert syllabus was developed. They lack the level of understanding, insight and authenticity that we associate with more meaningful types of learning.

This is not their fault; they played the game the way it needs to be played to maximise grades. However, it sells these students short and is a poor reflection of who they are and what they are capable of doing if given the right mix of opportunities and guidance. They have strong ambitions and a wide range of interests. They are often highly skilled in other pursuits like sports and the arts. A lot of them admirably balance their university studies with part-time work and often volunteer with charities and other fund-raising activities.

Ultimately, what’s most disappointing for me is that the Leaving Cert has the potential to help secondary school students gain an earlier realisation of who they are and what they can achieve, but is falling well short of this attainable goal. Solutions and the appetite for reform exist, and we are on a path to change, but the pace of that change is too slow and damaging any meaningful progress.

Learning from the past is one thing, but being stuck in the past is another. We owe it to students to help them develop the knowledge and skills required to tackle a more dynamic and complex landscape than any prior generation has faced.

The views expressed here are those of the author and do not represent or reflect the views of RTÉ

Thu, 26 Jan 2023 01:56:00 -0600 en text/html
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