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Top 5 Careers You Can Have with an Engineering Degree

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Whether you have earned JCU’s bachelors of engineering or are just starting on the path, you’ll want to know the careers available to you. After lots of hard work, it’s nice to know there’s a rewarding job at the end of it. Here are five of the top careers you can have with an engineering degree!

Patent Law

Straight off the bat, here’s a field you probably didn’t expect. When working on your engineering degree for so long, it’s nice to have a break from the intensity of it all and this is why some people go into patent law. By working with intellectual property (IP), you’re still in the engineering field but putting your expertise to a slightly different use.

Rather than coming from a legal background, many patent lawyers are actually engineers because it’s the technical expertise that helps them to deal with innovations and intricate designs. Of course, this one will require more training, but it’s all the more rewarding on the other side.

Teaching or Lecturing

For some people, they have a desire to pass their engineering passion on to the next generation. If so, you may have a career in teaching or lecturing. Which will you choose? On the one hand, you can teach school children and pique their interest at an early age. Alternatively, lecturing allows you to go deeper for young adults who have chosen engineering as a potential career path.

As fellow teachers will tell you, this is a rewarding job because you’re building problem-solving skills in students. As a key member of the teaching team, you might just influence a handful of future engineering experts for the field.

Consulting

In truth, an engineering degree opens you up to multiple consultancy careers. The obvious example would be consulting on engineering-related projects. By lending your expertise to projects, the benefit of this is that you can work on something different every week; your work is always changing.

Elsewhere, you might become a problem-solver for businesses of all shapes and sizes. You come in as a consultant, assess the main problems of the business, and create solutions for them to become more efficient. Over time, you’ll use statistical modelling and data analysis to help a business to grow in the market.

Engineer

It’s time to address the obvious because an engineering degree will allow you to enter the engineering world. However, you’ll need to choose your specialisation (if you haven’t already). Here are some possible fields:

  • Materials engineering
  • Chemical engineering
  • Mechanical engineering
  • Electrical engineering
  • Technical sales engineering
  • Petroleum engineering

Depending on your specialisation, this could open the door to work in logistics, supply chain, operation management, and purchasing/procurement.

Sports Development

Finally, those with a passion for sports could use their engineering degree as a way into the industry. Sports engineering encompasses fluid mechanics, thermodynamics, manufacturing, and much more. These days, organisations are willing to listen to scientists/engineers when it comes to coaching, sports equipment, and even stadiums/arenas.

While on the topic of sport, you could go into mechanical engineering and work in the world of motorsport. For instance, Formula 1 might take your fancy. Travel the world while working with other elite engineers on the fastest track cars on the planet.

When you have an engineering degree, the career you choose is completely up to you. Don’t think you’re restricted to engineering itself because the skills apply to careers like patent law and sports development. Hopefully, your mind is now more open, and you can discover other amazing careers!

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“Financial companies develop and supplement the financial market of Ukraine,” says Irina Tsybulnik

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financial market of Ukraine," says Irina Tsybulnik

Head of the department for the development of services and the payment system of the LeoGaming fintech company Irina Tsybulnik talks about the development of the non-bank financial services market and explains the rapid growth of popularity of payment terminals and “mobile” money.

Can you tell us about the market of non-bank financial institutions? What are the key characteristics of its development in recent years?

The majority of people are aware of the fact that the influence of non-bank financial institutions (hereinafter referred to as NBFIs) in the financial market of Ukraine has grown significantly in recent years. It happened both as a result of the natural development of the market in the current legislative environment, as well as because of changes in the structure of the financial system itself.

A few years ago, small banks left the market. The reason was simple: they could not withstand the crisis in the domestic economy. At the same time, their place was not taken by financial companies. They simply cannot do this, since banks and NBFIs are different entities of the financial industry, although they have similar properties in many aspects. However, keeping in mind the fact that regulatory pressure on banks was increasing, financial companies were able to occupy those niches, where banks could not operate any longer. NBFIs became transactional organizations for payment systems that include banks. For example, the LEO international payment system works using the same way.

As a result, the market was distorted, which was solved by the Split Law (No. 79-IX) that came into force in July 2020. Supervision of financial companies was transferred to the NBU, thus allowing creating the unified “rules of the game” for the main financial services provided by all participants. We are talking about money transfers, credit services, and currency exchange operations. Financial companies often create strong fintech brands, while banks actively work with them. The financial company develops a technical solution, while the bank provides financial infrastructure. Thus, a holistic ecosystem has been actively created in Ukraine in recent years. It is worth noting that non-bank financial institutions have a very stable position within this ecosystem.

What are the key segments where non-bank financial institutions can compete with banks?

Banks are not able to offer a wide range of financial services. These functions are most often performed by the NBFI. First of all, we are talking about insurance. If the bank decided to provide insurance services, it has to cooperate with an NBFI, while the bank works as an insurance intermediary.

Secondly, we are talking about lending. In this case, banks and NBFIs play on the same field but having different audiences. NBFIs work with the segment of customers who need credit services but have no chance to get a loan from a bank due to higher requirements for the creditworthiness of the borrower. These are low-income individuals, who use the services of credit financial companies or pawnshops. The interest rate on the loan there is higher because of the riskiness of the operation.

Thirdly, we are talking about currency exchange operations. As you know, it is much easier for a financial company with a currency license to open a currency exchange office than for a bank to open a new branch. It turns out that NBFIs have a wider audience, sometimes introducing innovative cases. For example, our LeoGaming Pay financial company has launched the first office for currency exchange operations in Ukraine with a software payment transactions recorder.

How the new law on financial monitoring affected the financial market and the clients of financial companies?

Law No. 361-IX improves the financial monitoring procedure and brings it in line with the financial monitoring standards established by international and European authorities.

First of all, it is worth noting that the law expands and tightens the requirements for the identification of people making money transfers. For example, these days one cannot top-up any service for the amount of more than 4999.99 UAH by using a payment terminal. To pay more than 5,000 UAH, you must enter your identification data. Previously, such a requirement also existed, but it was applied for amounts over 15,000 UAH. However, there are several exceptions:

* Payment of utilities, taxes, fines, and other budget payments (regardless of the amount)

* Repayment of loans of less than 30,000 UAH.

At the same time, the amount of a financial transaction subject to financial monitoring has been increased from 150,000 UAH to 400,000 UAH.

The new law introduces a risk-based approach to the implementation of financial monitoring, which means a deeper check of suspicious customers and a simplified one for reliable ones.

The law also introduces the long-awaited possibility of remote verification of the client without any need for their physical presence. These days, the entire process of verification of the client’s identification data can be carried out, for example, using the BankID system by NBU, or a qualified electronic signature.

Besides, new approaches to the responsibility of the subjects of the preliminary financial intelligence are worth your attention. The number of fines has significantly increased. Also, the amount of the fines for specific types of violations are clear now.

How is the market of payment terminals developing in the context of the growing popularity of non-cash payments?

It is worth noting that the market continues to grow. Only this fact alone eliminates any negative connotation from the question. The terminal business is inventing new niches and options for working in the realities of the growing cashless economy. But at the same time, it is worth remembering that the main audience of customers of payment terminals (and these are millions of Ukrainians) did not suddenly stop paying in cash because they had a PayPass card to pay for groceries in a supermarket. I want to highlight another important thing. The coronavirus has not killed the will of people to pay in terminals. Even in 2020, we saw stable growth in turnover. A wide array of marketing tools stimulated this demand. In general, the situation is the following: when people stay at home, they play games. But they are used to top up their accounts in the terminal located in the nearest grocery store. They do not want to enter all the card credentials in the browser.

If we talk about development, there are several amazing projects here. For example, the iBox terminal network was the first to install NFC readers on terminals. By using this advanced system, the client does not need to enter 16 digits of the bank card to top it up. They can just approach the card to the reader. In addition, Sistema terminals allow using the DIYA verification app to make payments of more than 4999 UAH.

Can terminals compete with online payments? If yes, in which segments?

They do not have to, because they develop in the same direction. One of the most popular services in payment terminals is the ability to top your bank card up. In fact, the terminal has become a mediator allowing people to move from cash to non-cash economy.

A payment terminal is one of the many popular payment methods for goods and services. Local companies worked, work, and will work with terminals because the business needs to have direct access to the customers.

What is the role of mobile money in the Ukrainian reality? Is it really popular among the people? When do they use it?

This is a convenient non-bank payment alternative. The “mobile money” payment method is the evolution of payments using SMS commands, which has existed in Ukraine for almost 20 years. Now the mobile balance payment buttons appear in the payment forms of websites and apps along with the bank card payment options.

In general, the prevalence of mobile money depends on the category. For example, in the field of online games, the share of payments with mobile money ranges from 5 to 30%, depending on the service. Operators are investing resources in the development of their “payment buttons”, thus exploring new niches. For example, LeoGaming together with the three operators launched parking payment via SMS commands in Kharkiv. During the first days, the demand exceeded all our expectations.

What are the most prospective areas for mobile money? Can you give us examples where mobile money will be useful to the average consumer?

The main advantage is the simplicity and clarity of this tool for its target audience, i.e., people aged from 35 to 55 years. They use the same way of payment for many years in a row. In addition, they are also active users of terminals. The payment takes place immediately, while the person just needs to confirm it with an SMS code. In addition, there is a large segment of people in Ukraine who do not have a bank card. For them, paying with mobile money is a good solution to substitute bank cards.

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Learn and Earn from Amazon FBA with Kevin David

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Amazon FBA

Amazon’s newest business chance – Amazon Fulfillment Services – received a great deal of attention last year anyway.  Whereas their square measures several edges and blessings to the present arrangement in any local business, one unnoticed space of confusion and doubt has been the “FBA” downside of pis aller.

One massive bonus is that by victimization a web filling company, like Amazon, you’ll eliminate the requirement for dear third-party storage and save tons of additional storage cash that massive e-commerce stores need to manage. That is often one in every of the most critical com businesses’ edges, creating the Amazon platform’s move. However, will Amazon’s FBA program work? And what will it need to do together with your invention? All questions and answers are available in how to start an amazon fba business- Kevin David.

Chose the category for Amazon FBA Store

Amazon is one of the most important on-line retail stores within the world, and with the launch of Amazon FBA, they need to place thousands of outlets guilty of their entire business. Amazon FBA merchants don’t need to create or manage any things to send or receive credit cards; thus, Amazon will do everything for them. However, Amazon works by permitting FBA merchants (you) to sell you and sell their merchandise. Once associate degree order is received, Amazon sends the item from their warehouse to customers. United Nations agency eliminates the necessity for retailers to store/store their merchandise or ships them. Amazon takes care of everything from the payment process to obtaining the merchandise into your customer’s hands. For any tips and suggestions for FBA, you can connect with a specialist, and the course is how to start an amazon fba business- Kevin David.

Find and Sell in Amazon FBA

The first factor to try and do if square measure you’re trying {to find searching for} product opportunities on Amazon is to find out that niches are profitable. The top profitable niches square measure sometimes those wherever there’s not much competition. This implies you may not exert to advertise your web site, as there’ll be many purchasers UN agency already wish the product offered in your store. You may also realize that these products’ costs don’t seem high; therefore, you may not worry about heating your advertising budget. Therefore, let’s take a glance at a number of the few necessary things to contemplate once you wish to search out product purchasable on Amazon FBA. If there is any problem to understand, enroll in the best course on how to start an amazon fba business- Kevin David

Sell the product and make money from Amazon FBA.

Amazon is one of the highest on-line commerce websites and features a superior platform for retailers to create cash on-line. The general public doesn’t understand that with some analysis on provide and search and finding the proper suppliers, you’ll flip any niche into an internet store.

To find the most out money you spent and time and start-up prices, do your analysis and notice a decent leader on the Amazon FBA platform, which will help you build a solid store base so that your valuable resources square measure endowed instead of wasted. If you produce your businessperson account on Amazon, then you’re getting into a replacement world on the way to create cash on Amazon. Before you begin, there are many kinds of stuff you got to recognize and contemplate. Because you’ll promote a large variety of product like books, DVDs, games, music, computers and code, food and lots of a lot of you have got to attach the dots to create an excellent on-line store with the facility to remain. Apprehend your niche, apprehend your audience, and do your analysis to make a product that individuals love and trust.

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How the Triangle Mastercard Can Help You Renovate Your Home on a Budget

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Many Canadians are doing what they can to take their minds off of the COVID-19 pandemic. Some are catching up on old TV shows, doing jigsaw puzzles, or baking banana bread. But others are fixing up parts of their home, especially those who have to work from home and are tired of trying to do so on their couch.

It’s not surprising that Canadians are renovating or making small tweaks to suit their new lifestyle. According to a TD survey, 37% of respondents have or plan to make some renovations or repairs to adjust to their new lifestyle.

While many businesses have suffered as a result of the pandemic, others have profited from people sprucing up their homes. For example, Home Depot reported its sales jumped 24% in the third quarter of last year as consumers focused on home makeovers.Canadian Tire also reported a nearly 26% surge in sales, noting that home improvement was one reason why shoppers visited its stores.

As many consumers know, Canadian Tire has countless different products that you can use to fix up your home: paint, furniture, area rugs, closet organizers, window treatments, and much more. The retailer carries a lot of products to help give your home the makeover it deserves.

The Triangle Mastercard series, including the Triangle Mastercard, Triangle World Mastercard and Triangle World Elite Mastercard, can reward you for your Canadian Tire purchases. These cards have no fees and are great if you want to earn Canadian Tire Money for purchases at the store. Instead of paper bills, the new Canadian Tire Money is all digital, so you don’t have to carry it around anymore and is easily accessible when you choose to spend it.

About the card

While there are threegreat Canadian Tire credit cards, we’ll focus on the Triangle Mastercard. The higher-tier cards have higher annual income requirements. You must earn at least $80,000 annually to apply for the Triangle World Elite Mastercard.Most Canadians would find it hard to qualify for the World Elite card since the average salary in the country is less than $50,000.

To apply for the Triangle Mastercard, you must be a Canadian resident, the age of majority in your province or territory, and currently working or retired. Of course, having a good credit score will help you get approved.

Applicants can get approved instantly for the Triangle Mastercard when they apply online.

About the rewardsprogram

The rewards you earn are in Canadian Tire Money,and the program is similar to other cash back credit cards in Canada. However, cardholders can only redeem the rewards at participating Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Etrepôt du Hockey,Mark’s/L’Équipeur and Sports Experts stores.

Often credit card reward programs allow users to spend their points or cash back in various ways.So, being limited to select stores can be a deterrent to some. However, it is important to note that specialty rewards programs that focus on individual retailers generally offer more value as you can earn faster on select purchases.

Like the Triangle Mastercard, these cardsmay offer more gas rewards at affiliated stations as a trade-off for that lack of flexibility. That means a reward program like Canadian Tire’s can be great if you plan on making a lot of purchases at its store and other retailers it owns.

For instance, you can earn $0.05/litre when you purchase gasoline at all Canadian Tire Gas+ locations and participating Husky stations.

Earn 4% in Canadian Tire Money for qualifying purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores.

Triangle Mastercard users can also earn 1.5% in Canadian Tire Money on up to $12,000in grocery purchases annually. This excludes purchases made at any Walmart, Walmart Superstore,or Costco locations. After the $12,000 annual spending cap, the earn rate falls to 0.5%.

On all other purchases, you’ll earn 0.5% in Canadian Tire Money. That cashback rate on everyday purchases is similar to what some other no-fee credit cards offer, such as the BMO CashBack Mastercard and the MBNA Smart Cash Platinum Plus Mastercard. If you want to add recurring bill payments to your credit card, you can also earn Canadian Tire Money for paying your cell phone bill or subscriptions, for example.

What’s different about the Triangle Mastercard compared to other cashback cards is the money earned is on the pre-tax amount and not the total. So, if your total bill at a Canadian Tire store in Ontario is $226 (or $200 before HST), you’ll earn $8 instead of $9.04. As for the point value, $1 in Canadian Tire Money equals $1 in real money.

Additional benefits

There are other great benefits of having the Triangle Mastercard, especially if you have to make a large purchase. The card allows you to finance a purchase of $150 or more with no interest or fees over a 24-month period.

That means if you end up spending $2,100 at Canadian Tire on items to fix up your home, you can make 24 equal payments of $87.50 without having to borrow from your line of credit or withdraw from your savings.

Keep in mind that if you don’t make the full minimum payment each month, you’ll have to start paying interest. If you don’t think you’ll be able to make those minimum payments, you really shouldn’t make a large purchase.

Besides the financing option, the card offers several other benefits. One of the best ones is when you have to return an item in the store. If you buy something with the card and can’t find your receipt, it’s not a problem. Using the Triangle Mastercard allows you to return items without a receipt.

Having this card also gives you access to members-only events and extra savings. You’ll also get exclusive offers that are personalized just for you.

If you’re considering getting the Triangle Mastercard, there may be one offer that will convince you to apply. New cardmembers can get 15% in Canadian Tire Money on their first qualifying purchase within 30 days of activating the card. However, don’t rush out and spend thousands of dollars because there’s a maximum like most other credit card offers. In this case, the maximum is $50.

The last word

The Triangle Mastercard is a great credit card if you plan to buynumerous items at Canadian Tire stores to renovate and spruce up your home or just because it’s one of your favourite retailers for everyday items. You can learn more about the Triangle Mastercard at RATESDOTCA.

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The Basic Facts About a Triple Net Lease

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Everyone has signed a lease at some point in their lives. A basic lease lays out the obligations of the renter and the responsibilities of the landlord. It is a fairly standardized straightforward document, that many of us don’t even read because they are always the same.

These are accurate descriptions of residential leases, but not remotely true of commercial leases. Commercial leases tend to be specifically created for each property they are used for, and the details vary greatly. 

There are some basic guidelines about commercial leases that are generally true. Here are the facts you can count on (usually).

What Are Nets?

Nets are the aspects of a lease that one of the parties is responsible for. These typically represent maintenance, insurance, and taxes. The structure is sometimes included in maintenance, but not always.

Triple net leases, also called NNN leases, means that the tenant is responsible for all three nets, maintenance, insurance, and property taxes. Since commercial leases are specific to property, these guidelines could mean something much more or less, depending on where you are and who your landlord is.

While a triple net lease means the tenant is responsible for maintenance, this could mean that you are responsible for anything on the property, including roof and structure. It could mean that you are only responsible for standard maintenance, but the landlord is responsible for major issues with the building or HVAC system.

Double net leases are responsible for taxes and insurance, but not maintenance. Under a single net lease, the tenant is responsible for taxes only. 

Why Would Tenants Want Triple Net Leases?

On the surface, triple net leases seem like they are very tilted toward the landlord. The tenant takes all the responsibility, and they get rent every month? This hardly seems fair.

In reality, it has a couple of positive benefits. Insurance companies make money by charging a little more than the total cost of their claims. If you get very sick, this works in your benefit, but for those who don’t get sick at all, the policy equals a net loss. 

Landlords who cover all three nets are taking a larger risk. What if insurance rates go up this year due to a claim? What if there is a major failure in the HVAC system, or some other large building repair arises?

 Most landlords who cover all of these costs remain profitable by charging for the higher potential expense and hoping for the lower. This means a tenant is paying more total in an average year than they should. 

With a triple net lease, the tenant is taking the risk, so they pay dramatically smaller rents. They need to either offset this with a large contingency fund or building insurance riders for large surprise expenses. 

The other benefit of triple net leases for the tenant is control. Typically, if you are responsible for all maintenance, that means you have much more control over fixtures and facilities, so you can really make the place your own. 

Since triple net leases can mean so many things, it is a good idea to have your business attorney review any lease before you sign it.

One final aspect of triple net leases that is easily forgotten is their negotiability. Unlike residential leases, that are locked in, take it or leave it, most commercial leases can be negotiated, so if you want a 2-year guarantee on the roof, go ahead and ask for it! In summary, a triple net lease is a tool that allows tenants to take greater control of the rental property in exchange for reduced rent. 

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Commercial Hand Sanitizer Stations for Wedding Events | A New Decor Style

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Covid-19 has put everyone conscious to maintain their health. All the important events were either canceled or put on hold to abide by the WHO (World Health Organization) guidelines. Weddings during this pandemic were not likely the same they used to be. In many countries, strict rules were imposed for the events which require a huge crowd. Weddings were one of them!

The invention of vaccines has given hope to the mind & hearts of people. However, it’s still important to implement the precautions to fight against the disease. You can make your wedding special and memorable by following the safety. Catch commercial hand sanitizer stations that look stylish and work best to secure the lives of people. Ensure your venue has touchless sanitizer machines; if not, then make sure to ask the authorities to have it. Keep sanitizer stations at entrances, exiting areas, and near restrooms as easily visible to guests.

Suggestions for Hand Sanitizer Stations

One becomes quite choosy while selecting hand sanitizer machines for the wedding. For making your loved ones safe & happy, go for a fashionable-looking sanitizer station with contactless dispensers. Automated dispensers are quite easy to use, and your guest will definitely adore the safety measures.

Are you going for a classic wedding style? If so, then say no to vendors for manual sanitizers; this impacts the wedding’s aura. The new automated sanitizers deliver standardized doses to prevent wastage and have an immense container capacity. Hence, no need to refill it frequently.  

Interior decoration in a wedding venue plays a pivotal role. The modern hand sanitizer has sleek metallic finishes that are perfect to go for a wedding theme. Select the high-tech design that is easy to store & refill. This won’t let your celebration out of a mood.

Hand Sanitizer Signs

Once the place and sanitizer stations are selected, the next step is to curate the look to stand out from the crowd. One has the option to decide with a planner to style the sanitizer machine. Add attractive signage going with the theme around the wedding hand sanitizer station. The sanitizer will pop up and not only look elegant but serve its main purpose.

 If you’re planning to offer themed-face masks at your wedding, take it to the next level by setting up next to the sanitizer dispenser. Your guests will love the sweet gesture showering concern & security. Find the perfect sign stating a love or caring quote to encourage guests to follow hygiene. To make your sign look extraordinary, pair it with a thin-modish frame and lite up with candles.

Hand sanitizers are becoming the core part of weddings and other big events. Commercial sectors like restaurants, hotels, cafes, salons, and much more keep commercial hand sanitizer dispensers in reception or entrances by styling up with inspiring slogans and other creative ideas. Make your wedding special & ensure the protection to prevent the virus. Nothing is above life, and we need to be responsible for each other safety. Stay safe!

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