question~~~

I believe that people are doing Actuarial Science for the wrong reasons. I hope that this post will actually shatter the disillusionment that people have. Don’t get me wrong, I am not trying to discourage people to pursue this challenging course, its challenge being its ultimate reward. However, it is disheartening to see so many people get into this course and ending up not being qualified actuaries, because they fail to understand what this course is all about.
First and foremost, my qualifications: I have wanted to do Actuarial Science since I was in Form 4. In college, I did my research and I have looked at the qualifications provided in the UK, US, Australia and Malaysia. I have now finished my final year in Actuarial Science in the UK. I have interned in an insurance company in Malaysia as well as in my current location. And I have been in your shoes before.

To get the ball rolling, here are some misconceptions that need to be cleared up:

1. I want to do Actuarial Science because I like Math.
This is the biggest misconception that people have about Actuarial Science. In actual fact, a good knowledge of Mathematics is necessary, but a great knowledge is not. In the UK, the first 8 professional papers are somewhat Maths-based, but the tougher papers at the end are all written papers, which require a good command of English, a good knowledge of the insurance industry and good critical thinking skills. Throughout my course, the most difficult branch of Maths we did was Calculus and Linear Algebra, and that is not saying much. When you do start working, you will realise that the only Math you need are mostly addition and subtraction. Computer Programming will be the most important skill you will ever need. And to all of those who says that they need Further Math in their A-Levels, I did Math, Economics and Law. If you like Math, do a Mathematics degree.

2. I want to do Actuarial Science because the pay is good.
True, we have one of the highest starting salaries in the business world. Not by much though. The thing is, a qualified actuary does earn a lot. But to get that qualification, one has to pass professional papers, and those are not easy by a mile. The average time it takes to pass all your papers in Malaysia is around 6 years, depending on how good you are. (Some do take more than 10 years) And truth be told, all other professions will be able to earn a satisfactory remuneration within 10 years. If you want the money, go into Investment Banking. In a magazine which I have read, in business, while all other financial workers are paying off their mortgage for their first house, Investment Bankers are buying their second home.

3. I can pass all my professional exams if I work hard enough.
I want to believe this. I really do want to believe this. But with only 50 qualified actuaries in Malaysia, doesn’t it make you doubt that the only reason people are failing is because of a lack of effort? Studying is easy enough. Working is easy enough. Studying while working is not. While I was working in Malaysia, a colleague of mine works from 9 to 7 everyday, if he is lucky. On his way to and back from work, he studies on the LRT. If there is overtime, he will need to stay back and continue working. On weekends, he studies. At night, after being thoroughly exhausted at work, he studies. And while doing all these, he needs to find time for his girlfriend, family and friends. Now, ask yourself this: can you picture yourself doing that for a year? 3 years? 10 years?

I am really glad I chose this course. I know I would spend half my time working staring in a computer at spreadsheets. I know it will be a hard few years in front of me. I also know that I want nothing more than to qualify as a professional actuary, as I do love what I do very much. But I wished I knew what I was in for before I made the decision. And I do hope that people who read this will have the ability to make an informed decision about the course that is Actuarial Science.

acturail science

f you wish to study your undergraduate degree in Actuarial Science fully in Malaysia, the best place for local university offering would be UKM (University Kebangsaan Malaysia). They are highly specialised, established and well known for this course. Student majoring in UKM's BSc. (Hons.) in Actuarial Science must register and pass 100 units of courses which are categorised as follows:-

-- University Courses 12cr
-- Faculty Core Courses (VH) 4cr
-- School Core Course 12cr
-- Major Core Courses 45cr
-- Technical /Social Science Courses 15cr
-- Elective Courses 12cr

The University of Mara Institute of Teknologi (UiTM) is offering this course at the diploma and undergraduate level.

The entrance requirements for applicants of Actuarial Science Programme must:-

-- passed at least a grade C in Mathematics and two other courses at the KPM Matriculation level or
-- passed Mathematics and one of the science subjects with at least a grade E at the STPM level or
-- passed with at least a grade C in Mathematics and two other courses at the Diploma level.

For further information, please contact:-

Dean,
Faculty of Science and Technology
Universiti Kebangsaan Malaysia
43600 UKM BANGI
Selangor Darul Ehsan
Malaysia
Tel: (603) - 8921 5423/5987
Fax: (603) - 8925 6098
E-mail: dfst@pkrisc.cc.ukm.my
Website: http://www.ukm.my/english/ug_fst.htm

If you wish to transfer oversea to study Actuarial Science, you can enrol into any of the transfer programme such as: INTI College AUP (American University Transfer Programme). You will study 2 years here in Malaysia in the AUP than officially obtain Advance Standing to study oversea for the undergraduate course of actuarial science.

Is best you do it the whole course locally for 3 years. Even if you study oversea, when you return you still need to sit for external professional paper/ modules to be a certifed Actuarial Science practiticioner. It happened to my friend who used to study in Actuarial Science programme.

~

packet |ˈpakit|
noun
1 a paper or cardboard container, typically one in which goods are packed to be sold : a packet of cigarettes.
• the contents of such a container.
• a block of data transmitted across a network.
pack 1 |pak|
noun
1 a small cardboard or paper container and the items contained within it : a pack of cigarettes.
• a set of playing cards.
• a knapsack or backpack.
• a collection of related documents, esp. one kept in a folder : an information pack.
• (often the pack) a quantity of fish, fruit, or other foods packed or canned in a particular season or year.

to

after want*
normally after want need to put 'to' *

but u always teach me english ma~

as what i have said just now, you always teach me english..*

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5． 相关证照考试
　　北美精算师协会的精算师资格分为两个层次，正式精算师FSA（Fellow of Society of Actuaries）资格和准精算师ASA( Associate of Society of Actuaries)资格。
　　考试时间：北美精算师协会精算师(含准精算师)的资格考试每年春季和秋季各进行一次．春季的考试一般安排在5月份的上旬和中旬，秋季的考试一般安排在11月份的上旬和中旬。
　　考试科目：北美精算协会的资格考试科目有9门，考试时间在3-6个小时不等。在取得了准精算师(ASA)资格后可以参加精算师(FSA)的资格考试，取得精算师的资格。精算师的考试共有五个方向：财务、团体保险和健康保险、个人寿险和年金、养老金及投资，每个方向均有不同的选修课。
　　6. 毕业之后的发展
　　目前,国内已有40名学员获得了准精算师资格。据了解，上海10家人寿保险公司仅有精算专业人员30多人,远不能满足保险业发展的需求。专家认为,精算在中国发展存在的一个问题是能否支付精算师高昂的薪水并且公平地雇用精算师。另外，精算师在利用现有条件提高技能水平的同时,更应注重职业标准的维护。精算师的诱人之处首先表现在精算师有较高的社会地位,有人说,按英国标准来讲,中国只有两个精算师,而按美国精算师学会的名单,中国尚不存在一个合格的精算师。事实上,中国有些具有不同资格的精算师,但整体水平仍需加强。据预测,我国未来五年急需5000名精算人才。
　　就业市场：精算专业所学的知识可以运用在保险业及其他金融业行业中的各种风险问题的定量与评判。就业前景非常的可观。精算师尤其是保险业中是核心部门的核心人才，有着极高的地位，权利和职责。精算师在保险公司的主要职责包括：新保险产品开发设计，保险产品管理以及财务管理。
　　商业银行，金融中介，投资机构，社会福利组织，政府咨询和监管等机构和长期资本项目，需要处理风险的领域，精算师都能发挥作用。根据美国1999年的职业评级(Jobs Rated Almanac by Les Krantz) 对美国的250种职业进行的评定和排名，精算师被评为最好的职业。

2111

i dun know what you mean, sorry'
or somethime you cant get what he is saying
then you can say 'sir/mafan, i dun quite follow you'
not so nice if you want to say ' sorry , i cant get you'
若听不清楚，就讲：pa den?

i am not good in english
some of the customers dun know chinese language

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