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I am a sophomore student here at BIT Mesra as on June 2015. It is ranked consistently at the second position in Private College Rankings, and always next to the IITs and BITS Pilani. But then these rankings do not have much of a credibility, as they are often doctored. Talking about it in the present day scenario I have seen, I have to sayBIT Mesra is among the only five leading Science and Technology institutions in India eligible for Cargill Global Scholars Program working with the Institute of International Education (IIE).Faculty:BIT Mesra has over hundreds of faculties in departments ranging from Engineering, Science, Humanities, Architecture and Pharmacy. Not all of them are extremely good. Some are very good. The professors are strict in general and often adamant in their decision to give excessive work.Academic Load:Varies from departments and time. I belong to the Electrical and Electronics Department, pursuing Bachelor of Engineering, and yes I have a huge workload generally. Professors in my department , along with Electronics and Communication Engineering, are strict. They are pretty rigorous, compared to other "chilled" departments such as Computer Science and Mechanical. But I have know some very good students who manage workload and excel in other activities too.Student IntakeBeing constantly rated among the top colleges and also being government aided, almost all students are meritorious and hard working. Most of the top branches close at a rank north of 20k in JEE Mains. So yes mostly the cream of the society study here. The peers are really smart and have great ideas, and we have heard of alot of startups from BIT Mesra.We have a past of over 5 decades so we have a huge alumni association inclusive of people such asAlok R. Chaturvedi, Professor, Purdue eBusiness Research Center, Krannert School of Management, Purdue UniversityDeven Sharma, Executive Vice President Standard & Poor's, a Division of The McGraw-Hill CompaniesK. N. Rao, CEO & Board of Director, DCM Shriram Industries LtdKaran Bajaj, author of Keep off the Grass, Johny Gone DownM. Chandra Dathan,Director, Vikram Sarabhai Space Centre (VSSC)Sanjeeva Kumar Singh, recipient of Arjuna Award (1992) and Dronacharya Award (2007) in archeryShree K. Nayar, T.C. Chang Professor of Computer Science, Columbia UniversitySudhir Trehan, Vice Chairman, Crompton GreavesV. Vaidyanathan, Chairman, Capital First Limited.Formerly MD and CEO, ICICI Prudential Life Insurance & Executive Director on the Board of ICICI BankSheo Keshwar Singh, former Engineer-in-Chief who also served as Director (Distributions) & Member of Board at Bihar State Electricity BoardRakesh Amol -President -KEC International LtdAnd that's just a few.Foreign Tie Ups:We have foreign tie ups with/such as1) EAGER - NETWIC Project of ASIA LINK Programme2) Student exchange with Purdue University, USA3)University of Leeds, UK Twinning program4)Technical Tieups with University of New Brunswick5)University of Houston, USA Twinning programFacilitiesI would say the facilities (sports, labs, infra) are decent.The college has campus wide LAN. All classes have projectors, computer terminal ends. There is a separate Research and Development Building that has PARAM, Several Digital and Electronics Lab. Besides all that we haveGolden Jubilee auditorium as well as a Mini auditoriumPARAM 10000 super computer100 Mbit/s LAN Connection in all BIT hostels rooms(1Gbit/s in newly built floors)R&D building housing computer and scientific labs.Post OfficeIndian Railways Reservation CounterA three storied library. There is a separate internet facility inside the library in order to let students read IEEE and other journalsUCO Bank branch with an ATM.State Bank of India Branch and an ATMICICI Bank ATM16 bed hospital.Lord Shiva templeBuses run between campus and Ranchi city, from 0600 hrs to 1900 hrs, at regular intervals.Co-operative shops.Food canteens.Medical Store.Sports complex.Music room.PlacementsThe placement records at BIT Mesra are pretty decent. In the recent year there has been mega placements with Facebook, Microsoft and Goldman Sachs. The list is a a partial list of companies that comehttps://www.bitmesra.ac.in/cms.aspx?this=1&mid=608&cid=440Student lifeYes the life here is not like the college you see in the tv. People have loads of work and even less free time. But we do have fun.Student organisationsThere are numerous active student clubs, covering various activities and events on campus:BIOTS (Biotech Society)Electronics and Communication Society (ECE SOC)ACM, Students' ChapterDance ClubDRISTI (Directing Rural India Towards Social and Technological Integration)Ehsaas- The Dramatics SocietyEntrepreneurship Development Cell (EDC)Environment Protection Awareness Club (EPAC) ClubElectrical and Electronics Society (EEE SOC)Fine Arts Society (FAS)IEEE, Students' ChapterIEI (Prod), Students' ChapterIEI (Civil), Students' ChapterIET, Students' ChapterLEO Club, Students' ChapterLiterary SocietyMusic ClubNCCNSSNews and Publication Society (NAPS)Photographic Society (PSOC)Team RobolutionRotaract Club, Students' ChapterSAE, Students' ChapterSports and Adventure ClubUNESQUOQ-BITThe following groups provide specialised activities platforms:BIT LUGOpera Campus CrewSportsThe institute has hosted several All India as well as Zonal Level tournaments. Sports facilities are:Gymnasium including multi gymStadium for track and field eventsCricket/football/hockey groundBasketball courtsVolleyball courtsTable tennisTennis courtsBadminton courts (three indoor and five outdoor)So Birla Institute of Technology Mesra is a good choice to come to.Yes it has a brilliant past and good enough foundations. It has better opportunities than most other colleges in India. Come be a part of the legacy!

QUESTION -- As a life insurance agent, what memories stand out?ANSWER -- After a 47-year career, there are so many memories I could write a book! Having served that long as an agent (I started at 29 on 11/01/69), I wrote “Developing Change(TM)” which is the 1st in a series of five. It’s about the life insurance industry. Expect it by Christmas.IMPORTANT NOTE--This answer will include a series of simple, proven, field-tested steps to generate a respectable level of Life and Disability Income earnings within a reasonable period of time (a calendar quarter). TEN STEPS appear last. Read this introduction first.GIVING BACK—Life’s been good to me! And so as I see it, capturing some memories is a way to reciprocate. And since life insurance is not very well understood, that's a good reason to write.MEMORIES STAND OUT--Especially vivid is the rookie agent’s experience (described herein). It helped develop high personal and professional standards. It demanded those standards which prevail to this day.I ENDURED BECAUSE AN AGENT'S LIFE GAVE me the opportunity to do what I most enjoy: teaching KNOWLEDGE / training SKILLS / and focusing on LISTENING to learn.I DISCOVERED THAT VERY MANY, EVEN THOSE well-educated, don't grasp how Training and Education (T&E) differ.PATIENCE CREATED LISTENING EVENTS FROM which to learn. Learning enabled readiness for “Teaching a Nation to Save(TM,” a mission which commands my full attention!MY OWN CASH FLOW ANNOYED ME. PATIENCE eventually paid off with a (visual-based) personal economics-based patent. Success resulted from an intense focus on preparing people to buy. I learned to prepare by teaching. In the process, I discovered how to better communicate—verbally, visually, written, and all three combined. Clients taught me new lessons because “The Teacher Always Learns More Than the Student(TM).” Preparing to help people buy Life Insurance helped me discover that it's the ONLY product EVER designed for BUYERS, not SELLERS. Think about that. You'll get it.I HOPE MY BOOK SELLS WELL—If the initial 5,000 move quickly which I expect (200 will be in each of 25 BN stores), my publisher will supply all BN stores in America (there are about 600) with 200 each. If the 120,000 move quickly, then we'll have a best-seller on our hands. We'll soon know!LIFE INSURANCE--As an industry, Life Insurance has been in a state of decline since 1992. WOW! It just occurred to me that that's 1/4th of 100 years—a decline spanning a Quarter Century!WHY THE DECLINE? —Looking back, the scenario that gradually evolved is complex. But I am 100% convinced it would NEVER have happened had Bill Clinton not signed the bill that repealed a big chunk of a law called “Glass-Steagall.” I am not blaming Clinton. BUT I AM BLAMING his Council of Economic Advisors who failed America by not asking America’s top “Personal Economic Agents of Change(TM)”—my euphemism for career life insurance agents—if it made sense to rescind Glass-Steagall. To a man and woman we'd have said, “No! Please don't do that. You'll destroy our industry.” Sadly, that's happening. Can we turn it around? Yes! Can we get America out of debt? Yes. Both National and Consumer? Yes! Am I naive? No! I’m well-prepared to turn both around!GOOD AND BAD TIMES—NUMBERS of AGENTS: As law of the land for sixty long years (1932 to 1992), Glass-Steagall kept productive activities not only separate, bu highly focused. That focus generated what I call “the halcyon years.” Those were the good times—calm and peaceful for the Life Insurance Industry. They were good because although we DO have our faults and failings (one of the worst is our “LIMRA Four-Year New Agent Retention Rate” for decade holding at fifteen (15) percent, tragically it’s even lower now. In the mid-to-late 20th Century and early 21st, we were very stable. Now we’re not. Our numbers are going down. They’re going WAY down! This is bad for America!By that I mean WE REPLACED THOSE WE LOST. We were able to do that because Glass-Steagall kept three HUGE industries from doing what they should not do. By that I mean they should not go into one another's business! The three industries are banking, investments, insurance (the 3 green circles on my patent’s Worksheet “B”). But when President Clinton’s signature rescinded that necessary separation, my immediate reaction was, “Uh Oh! This is bad. This is VERY bad. Who's gonna train tomorrow’s great life insurance agentTHE ANSWER?--I DIDN’T HAVE ONE! AND I know why: no one, and I mean NO ONE could quickly design a simple, effective business model for T&E (Training and Education) for the three industries that came crashing together!OUR 4-YEAR NEW AGENT RETENTION RATE IS no longer 15%. According to Prof. Boseman at The American College, as of the time he and I last spoke (2007), our agent retention rate was 9%. My informed estimate is that it's now under 8%. This trend spells DANGER for America! It's dangerous because our economic survival, prosperity and growth are inextricably aligned. Hear me on this: our independence will unravel without the sale and service of Life. And what’s going on now is “The DEATH of Life(TM).” No WONDER the politicians anger me! And the one the top? I STRONGLY suspect he embraces a Karl Marx/Friedrich Engels philosophy which I'd bet has been brewing in his mind ever since his Columbia undergraduate years. Will he release his academic records? No! DId he major in Political Science? It appears so. Did he study “The Communist Manifesto?” I’d bet yes. Did he study “The American Political Tradition” by Richard Hofstadter? I'd bet no. Why? Because that's the political, economic, philosophical antithesis of Marx/Engels. Are the 75.4 million “Millennials” aware of the difference? No. Have they overtaken the Baby Boomers as America’s largest living generation? Yes. How old are they?They’re 18 to 34. Which of the two philosophies (Hofstadter or Marx/Engels) are the Millennials more likely to embrace? You tell me! But before doing so, Google “The New World Order in Bible Prophecy—Jeremiah Project.” I think you will understand my fear!HOW CAN THE MILLENNIALS UNDERSTAND? In other words, what can we do to help them with instant access to compelling, interesting, meaningful information in which they have a current vested interest?IF THEY COULD, WOULD THEY CHOOSE TO LIVE DEBT-FREE? Or would they prefer their habit of always paying interest monthly for life? Do they like living “paycheck to paycheck?” Or would they like to turn that around? Might they find what I do to be attractive? Will they help? You tell me! But before answering, consider my dream. It's my company’s, Common Sense Money(R)’s, Mission.Our MISSION is training 60,000 two-person teams of recent college graduates how to “Get Out of Debt and Save Money(TM).” Each team will train 2,000 American households to do the same. Our GOAL is 120,000,000 by 11/28/20.AFTER HELPING THEM, CAN THEY GROW WITH ME? Yes. Am I a politician? No. I’m a business owner. Do I know, understand and conduct my business well, ethically and profitably? Yes. Can they earn a good income working with me? Yes. Will they be looking for government handouts? No. Will they be more inclined to embrace Marx/Engels? Hofstadter? (or Coyle?) Hey, I'm 76 next month, God willing, and blessed with twice the energy of two guys half my age! I have a lot to offer young people. I enjoy working with them. And I'm a good trainer. And I mean a REALLY good trainer! So with difficult challenges facing America — VERY difficult challenges like 19 trillion dollars of NATIONAL DEBT, and 32 trillion dollars of CONSUMER DEBT, and those two absurdly obscene numbers don’t include America’s UNFUNDED LIABILITIES (Social Security / Medicare / Government Employee Pensions — WE NEED AN ARMY of well-trained “Personal Economic Agents of Change(TM)” to deal with THIS HORRIBLE DEBT NONSENSE!EMPLOYED WITH ME, AMERICA CAN BENEFIT. The Common Sense Money(R) ARMY is what my writing's all about. REALITY to some is percep-tion. Things seem OK. So they're OK. There’s a word for that thinking: BALONEY!THE REALITY—Today it's like some clowns at the top are trying to do what they simply cannot do. And there’s a kid’s knockin' at the door of a life insurance company’s local office. As a recent college graduate, all the eager young lady wants is to DO WHAT HER FATHER DID before he died when she was just a little girl.THE YOUNG LADY’S DREAM—What he did was sell life insurance. She wants to do THAT and ONLY that because she remembers how excited her father was when he came home at the end of the day after making a sale or two. And she wants to be VERY well-trained to do the same. She, too, wants to help families and businesses, just like her father did.DEATH KILLED HER TEACHER—But that tragic car accident when she was so young never gave her the chance to learn from the only person in the whole wide world who could, and would, in a heartbeat, TEACH and TRAIN her the way that she, and he, would both want.SO SHE ASKS THE IMPORTANT QUESTION. She politely asks, “Sir, who will train me?” And the stupid-idiot-clown of a jerk responds with a haze of confusing words that instantly prompt HER UNSPOKEN QUESTION— ”Sir, you’re not answering my question. I want to excel at selling life, just like my father. Who's in charge of life training? Are you dumb? Answer me!”STUPID HAS NO CURE!—Knowing his verbose nonsense would only continue, she politely excuses herself, turns around, and walks out!EXAGGERATION?—Sadly, not at all. In fact, what's even more depressing is to look back at what it was like in Life when I was growing up in the 40’s and 50’s. (I was born in 1940).25 YEARS AGO vs TODAY--This is hard to believe, but in the early ‘90’s, we had 145,000 agents who were members of our National Association of Insurance & Financial Advisors (“NAIFA” began in 1890 as “NALU” for National Association of Life Underwriters). NAIFA is extremely important. It is because it helps us agents continually maintain contact with Members of Congress and the Senate advocating for “Ma & Pa America’s” best interest. Having been to a number of those one-on-one meetings in DC, I’m very impressed with how warmly we’re greeted. We are because they know we are America! It’s not like we’re lobbyists for a big company. No. We’re it! We’re the real deal. We NAIFA menbers are “Ma & Pa America.” And they get it, quickly! Time and again we hear, “How can I help? What you do is very important. Is there legislation pending, or legislation that you want? Who do you want me to talk to?” Amazing!REPEATEDLY, WE URGE THE PREVENTION OF the taxation of policy death benefits and the taxation of the internal build-up of policy cash values). Yeah, THE CLOWNS — the dumb ones down there — not the ones we talk to — want to overpend. So they brazenly come to America's kitchen table for a free lunch! But here’s what's REALLY shocking: our NAIFA membership is now down under 35,000 (from 145,000 at our peak). That’s a HUGE drop! And we Americans cannot afford that. Our injury cannot be treated with a Band-Aid. We need major surgery! And we need it NOW! That's what I'm workin' on.ANOTHER INDUSTRY DECLINE INDICATOR: Not many years ago, we had about 25,000 members of the Million Dollar Round Table (the MDRT) here in America and 10,000 overseas. Today we have about 10,000 here and 25,000 overseas. Something's gone terribly wrong! And because I LOVE my industry, those NAIFA and MDRT membership facts are on my mind all the time!ONE MORE STUNNING DECLINE INDICATOR--When I was a kid growing up in the 40’s, 50’s and 60’s, “Snoopy & the Gang” weren't around. But “Mother Met” (Met-Life) was always there. Was there any life insurance company out there in the universe with more agents than The Metropolitan Life Insurance Company of America, “The Light That Never Fails?” Nope!WHAT ARE MOTHER MET'S AGENT NUMBERS NOW? Mother Met ain’t motherin’ anymore! The number of agents is Zero, Zip, Zilch, ZeeRow, Empty, Nada, None! To me, that's “THE DEATH OF LIFE!” And it ANGERS me to a level of intense hatred of stupid (supposed) “leaders” that I want to SCREAM bad words to Met’s Senior Management:“WHY DID YOU FIRE ALL YOUR AGENTS? You were the largest life insurnce company that ever existed. And you FIRED your FIELD FORCE! Are you not STUPID? You ARE! And I have no kind words for destructive creeps, cowards, morons, idiots, imbiciles, dolts, jerks!”“WHY DID YOU NOT ASK, LISTEN, THINK, CREATE, LEAD? Goethe said, “All wealth is created in the mind!” Other than my writing bad words about brain-dead executives, what do we do about all that wealth you destroyed, the lives you hurt, the STABILITY for which you have no respect?” Obviously I’m venting. But at least I care. I care because stability in life is important!STABILITY--One of the really good, stable, fun sales and service jobs in life insurance was called “The Debit.” Whether it was Prudential, Met, John Hancock, Equitable or some other giant that had “the debit system” (as opposed to “ordinary”), the debit was an agent's assigned geographic territory near (or not far from) the agent's home.THE AGENT’S JOB WAS TO COLLECT nickels, dimes, quarters, half dollars (and sometimes dollars) every week from (mostly blue collar, lower income) families who wanted to pay WEEKLY and didn't want to pay (by checking) once a year, 2X, 4X or 12X. In fact, according to an interesting website I recently discovered, www.nerdwallet.com, it wasn't until the 70’s when ACM (Automated Clearing House) began that checking accounts were FAR FEWER compared with today. So the debit made PREMIUM COLLECTING SENSEBut it also made GOOD SOCIAL SENSE because the agent saw people so often that it was like being part of the family. I mean it wasn’t just collecting coins. It was coffee, conversation about the kids, and sometimes lunch!And it made GOOD SALES SENSE because if Ma's expecting, who's she gonna tell? The agent! Why? To update her’s and Pa’s beneficiary when she delivers—and insure the kid! And get more on Pa and Ma, too!And it made GOOD REPEAT BUSINESS SENSE. That was high on the debit.. And policies didn't lapse, at least not near the average rate.ARE BANKS HIGHLY COMPETITIVE IN LIFE?Theoretically, because people go to the bank all the time, the bank rep (hired and licensed to sell life insurance and securities products) would seem to have the upper hand. Not so! In spite of advertising, people don't go to the bank to buy life or a fund. They go to the bank for banking! For funds, they go to their investment guy, Merrill-Lynch. Whoever. For life, they go to their life guy.WHAT WAS IT LIKE WHEN I BEGAN MY CAREER as a Life Insurance Agent in the early 1970’s? It was really, Really, REALLY simple: just sell life insurance! That's it! Uncomplicated. My company, The Connecticut Mutual Life, offered three products: term, whole life, and fixed annuities (“fixed” as opposed to “variable” which are securities products). Did I become good? Yes. Overnight? No. Did I learn my stuff? Yes. As a Chartered Life Underwriter, my knowledge is wide and deep. Did I make the MDRT quickly? No. It took me eight long years before I qualified for membership in the prestigious Million Dollar Round Table. But once there, I kept repeating to the point when I received a great big beautuful blue and silver plaque with the Round Table logo at the top. The plaque says, “Member, MDRT, Quarter Century, 25 Years of Membership, Robert L Coyle, CLU, LUTCF.” Signed, “Philip E. Harriman, CLU, ChFC, President.” And it says, “The Premier Association of Financial Professionals(R)” Nice!WHAT WERE MY ROOKIE MEMORIES? FOCUS! An intense focus on life insurance—a great product to buy and a great product to sell.WHAT WERE MY BEST MEMORIES?—Every single time that I returned to a family for a life review, my clients greeted me warmly. They greeted me so kindly because they knew “Bob is our life insurance agent.” They greeted me like I was a member of the family. A Life Insurance Agent’s relationships are strong. They’re strong because life matters. And it’s THAT which is the center of our conversations. Prople don’t buy life insurance because they’re going to die. People buy life insurance because someone’s going to go on living! This is what a FAMILY is all about! It’s all about values. It's all about life’s most important realities: “Love, Life, and Life Insurance(TM).”TODAY’S ROOKIE EXPERIENCE--Put yourself in the shoes of a kid fresh out if college. Eager for work, you go to a large life insurance company's local office and apply for work as an agent.TESTS, TESTS AND MORE TESTS—You answer a series of questions called “The LIMRA Aptitude Test” and score 18 out of a possible 20. That's high. That's VERY high. You're bright (3.7 GPA). You like people and get along well with everyone. Pru likes you. So you begin.PRE-CONTRACT TRAINING TESTS include passing a securities exam so you can be a “Series Six Registered Representative.” That means you can offer mutual funds and variable annuities which you really enjoyed learning. Good stuff! Popular with the public!PRE-CONTRACT TRAINING also includes an extremely helpful marketing effort that’s called PROJECT 100. It's simple, but not all that easy. The project asks you to list one hundred (100) people you know, including their contact data. Since it’s for YOUR use, not the company's, that make perfectly good business sense. It makes good sense because that’s how you get started. In business terms, People-To-Help are matched with Products-To-Offer so you can help get clients through life’s EVENTS (Death / Disability / Need Money / Retirement).TODAY THAT'S CALLED “FINANCIAL PLANNING” which, when all’s said and done, is helping lives and their loved ones with products that make sense (Term Life / Whole Life / Disability Income / Long Term Care / Fixed Annuities / Mutual Funds / Variable Annuities) within a cash flow plan so the agent and client both know it'll fly.PROJECT 100—Without it, rookies would stumble around tryin’ to figure out who to go see and with whom to make sales. It's great having all those names. But what does a really smart kid with a mind LOADED with INFORMATION but with little or no life EXPERIENCE do?SMARTS ALONE CAN'T CUT THE MUSTARD! But smarts, EXPERIENCE and a planning SYSTEM CAN! So the kid's been grilled on an elegant system, which is fine. There are some really great systems out there. (I even created, extensively field-tested and patented one myself). But I don't care HOW good a planning system is. In a rookie’s inexperienced hands, it’s weak!THE ROOKIE PROBLEM IS WHAT TO SAY when seeing the people! By that I mean what's the kid gonna say? “I'm here to plan your future.” Is that realistic for a 23-year old a year out of college?PRESSURE MAKES IT WORSE! THE KID'S TOLD: “Get your LADS, lads & lassies!” What are LADS?LIFE / ANNUITIES / DISABILITY / SECURITIES: And the kid's got BILLS to pay and the company's weekly ALLOWANCE to justify. So is “the hard sale” on the rookie’s mind? Or “the easy sale?”MY MEMORY OF JOHN SAVAGE IS VIVID — widely considered as one of the greatest life insurance agents who ever lived, John's first of four books — “THE EASY SALE” — was about selling life lnsurance. So was his 2nd — ”It's Getting Easier” — So was his 3rd — “High Touch Selling” — So was his 4th — “Savage On Selling.”I SPENT 3 DAYS IN TOLEDO WITH 75 SEASONED life insurance veterans learning from the great legend, JOHN SAVAGE. That was late Novenber, 1991 just before Thanksgiving. With a terminal metabolic condition at the time (“Light Chain Deposition”), he was symptom free but knew he'd not last much longer (John died early Feb.1993).NOW HERE'S AN AMAZING MEMORY — Knowing what was brewing in Congress as well as the trend of the Life Insurance companies to move toward “financial planning,” JOHN WARNED US that life insurance sales for all rookies with companies having securities affiliates would become more and more difficult. That was 1991.IN 1992 CLINTON SIGNED THE BILL rescinding the big chunk of Glass-Steagall.In 1993 JOHN DIED. And I'll never forget the look on his face way back in late Nov 1991 when I (very politely) challenged one of his premises. All I said was, “John, your diagram — it makes sense. It’s simple. But something’s missing. I don't know what it is. All I know is something's missing.HIS REACTION WAS INTELLECTUALLY VIOLENT! To state it another way, I pissed him off. And I mean I REALLY pissed him off! Man, he flew down the aisle, stood right in front of me and said, no he yelled, “What's your name?” Not playing his game (when annoyed or pissed off at anyone in class, he’d yell the same thing, “What’s your name?” and every single time whoever it was who pissed him off would say his full name at which he'd do a derogatory take-off on the person’s last name). Not very kind. But that's how he’d vent his impatience.I QUIETLY SAID—“Bob.” And that seemed to have pissed him off even more! Not knowing what to say, he stormed back up the aisle to resume his instruction. Halfway up to the front he said, “Don’t be a like a hungry dog in a meat house.” To which I said to myself, “Whah?” Interesting interaction!IN 1994 HIS 4TH BOOK (COMPLETED IN 1993 when he was VERY tired from his rare terminal condition)—was not published until 1994. Having read it several times, including recently, it clearly communicates that his aggregate observations exhibited an unsurpassed intellectual brilliance. It's as if he saw the future! I am VERY grateful to have been there with so many other veterans. Though not always kind and patient with agents, he was always truthful.WANTING TO VISIT HIS OFFICE, MEET HIS TWO secretaries, and see where he conducted his meetings with clients and prospective clients, the morning after his interaction with me, at a break I politely approached him with a request, “John, may I briefly visit your office over the lunch hour so I can see your work area?” I was stunned when John not only didn’t answer, he abruptly turned his back on me and started up a conversation with another agent. Undeterred, at the next break I (meekly) asked again. With an even tone (and apparently impressed at my persistence) he said, “Yeah, go ahead!” To this day I consider that a sale well made!BACK TO THE ROOKIE AND PRE-CONTRACT TRAINING. That extensive preparation also includes a state mandated forty-hour course with THE SCHOOL’S EXAM at the end of the 40 hours so you can THEN qualify to sit for THE STATE EXAM. Successfully enduring a buncha hurdles, you're now itchin' to make sales ‘cuz you won’t earn a dime until you're out selling.WHEN SELLING BEGINS, THE AGENT'S company (all companies work this way), pays the agent an “allowance” which is an even amount, A LIVABLE WEEKLY WAGE justified by ongoing, regular sales. Not too demanding at the outset, the hill gets steeper over time (most commonly three years). And because the whole picture as I’ve accurately portryed makes sound personal economic sense, you're on board. And you should be, if you've got TWENTY YEARS of experience and can handle that big giant stew!REALITY CHECK--YOU GOTTA MAKE SALES! And if you don't, you're out! End of job. Failure to meet your contractual provisions. Failure to make life insurance commission-based sales.CAN YOU MAKE SALES? SURE! WHICH ONES? Easy or hard? What's easy? Mutual Funds and Variable Annuities. What's hard? Term, Whole Life, Disability Income, Long Term Care. So YOU MAKE MONEY MAKING EASY SALES. TIME goes by. You're aware of your contract. But you don't want to think about it. ‘Cuz you’re productive.BUT THE BIG BOSS CALLS YOU INTO THE BIG office. “Uh, Freddie, your L-A-D-S are lookin' real good for “S.” So talk to me about L, A & D.” You stammer, hem and haw. Big boss says, “Freddie, here’s watcha gotta do. Generate $____ with “L.” You're OK with “A.” Generate $____ with “D.” Do that for “L” and “D” in the next three months and you'll get back on track.”BIG BOSS CONTINUES, “People need Life and Disability Income. You know that. Of course you do. And your prospects do, too. It’s just that you’ve been focusing on the easy sales: mutual funds and VA’s. We're not pressing you on Long Term Care. Just focus on Life and DI. You’re a bright young man, Freddie. Everyone here wants you to succeed. And you will. You will because you have what it takes. I don’t know any young agent with greater potential. So go do whatcha gotta do. Don’t forget your memorized sales track. Pack your days with appointments. You'll get back on track, Freddie. I know you will.”BIG BOSS CONTINUES—”Freddie, I’m so glad we met this afternoon. Do yourself a favor: go home and relax. Get a good night’s sleep. But before we adjourn, take a look at your calendar. What's the date three months out from today?” (You look and say it's ______ ) BIG BOSS then ends with two really good, true stories about tragedy that struck a family with young kids. The terrible loss of their mother to cancer. And a second story about a totally disabled young father with ALS. Listening to an old pro speak with conviction is a moving experience. Unfortunatey, that and fifty cents won't buy coffee these days! You need something more. Stories are nice. But THERE'S SOMETHING MISSING. And it's been bothering you for months not knowing what it is. And the BIG BOSS is right. You're bright. You are VERY bright! And Goethe's words keep ringin' in your ears, “ As soon as you trust yourself, you will learn to be free!”SO YOU THANK BIG BOSS FOR THE MEETING and go home resolved to just get the job done!BEFORE GOING TO SLEEP THAT NIGHT, YOU read what Jim Rohn said about leadership. And you KNOW it applies to you leading yourself back onto the track BIG BOSS so kindly developed. And big boss WAS kind, for which you’re grateful. Jim said, “Leaders, whether in the family, in business, in government, or in education, must not allow themselves to mistake intentions for accomplishments.”INTENTIONS / SALES TRACKS / PRODUCTS / PRODUCT PEDDLING / BINGO! That's what's buggin' you! When you wake up in the morning, do whatever your head and gut tell you to do.YOU WAKE UP WITH THESE WORDS—”Don’t peddle product. Serve people. Product sales will follow.” NINE WORDS. YOUR MANTRA. Over breakfast, you repeat them over and over. They makes sense. Find out what people want. Help them get it. And they’ll buy. And BIG BOSS taught you something. With that good meeting in mind and your plan which is about to come together, thirteen weeks will fly. And because you trust yourself to develop a really good plan, you’ll get back on track.MARKETING--Project 100 is OK IF the names represent your market. But they don't. You need another list. To get it, reference librarians can help. Go see one.SALES--A generic book that's NOT industry specific.The book you want will NOT tell you how to sell life insurance. The book you want WILL tell you how to be effective. It’s about “people skills!”DEMOGRAPHIC--Owners of companies with 20 to 1,000 employees. You want the names and addresses of the companies AND their CEO's.TERRITORY—With your ZIP code as ground zero, you want a circle with a radius twenty miles out—more if needed.LIST BROKER--A good list broker. A VERY good list broker. Find one!LAWYER--An estate and business continuation planning lawyer highly regarded by experienced life insurance agents in your community.APPROACH--A simple, straightforward question that'll get the CEO's attention.LIFE INSURANCE SELLING BOOKS—written by some of the the best producer(s) in the business.DISABILITY INCOME BOOK(S)—written by some of the best producer(s) in the business.YOU’RE PREPARING TO BLOW THE DOORS OFF your allowance schedule. Maybe you’ll even lead all the company’s first year agents! You’re smart. So why not? Step 10 is a bit lengthy. So read it, take notes, and collaborate with a friend.10) PREPARE—Working backwards, your time PREPARING will require the first 2 weeks staying home reading, thinking, planning, wondering. Read. Read. Read. Read like you've never read before. That'll leave eleven weeks to see CEO's, lots and lots of CEO's. WHY THE LAWYER? Here's why: once CEOs understand the high cost of dying, the sale is a large permanent (whole life) policy owned by a triple tax exempt estate conservation trust. A qualified attorney creates that trust. At the businessowner’s DEATH, the TRUST (the trustee) HAS money (POLICY death PROCEEDS). The ESTATE executor NEEDS MONEY to pay the estate TAX. Without the trust and the money, the executor would have no choice but to sell assets to pay the tax. Forced liquidation of assets may get only 25¢ cents on the dollar. Making it worse, the CEO's dead; so his salary stops; and the family is SOL. (That's a legal term. Ask any lawyer what SOL means). CONVINCING / SELLING / COMMUNICATING / DISTURBING / MOTIVATING — call it whatever you prefer. But to be effective, it's necessary to disturb minds! Which minds? The business owner's mind. The business owner’s wife's mind, or businessowner’s husband's mind. You don't need too many tools. I STRONGLY recommend three: A) Good questions. B) The Form 706 and C) Pictures of famous people who died with the amount of taxes due because they died. To get that (it’s VERY interesting and VERY convincing), call the MDRT. Ask to speak with the bookstore's coordinator. Mention you're not an MDRT member, but you're working to increase your production so you CAN be a member! Mention you'd like those pictures and those tax amounts. That’ll help build a VERY compelling presentation!9) DI BOOK: “Disability Income Insurance, A How To Guide” by Allan B. Checkoway.8) LIFE BOOKS: “The Broad Concept Approach” by Harold Zlotnik, CLU / “The Millionaire Next Door—The Surprising Secrets of America's Wealthy,” by Thos J. Stanley, Ph.D. and Wm D. Danko, Ph.D. / “The Five Dysfunctions of a Team” by Patrick Lencioni. / Any two of John Savage’s four books: “The Easy Sale” / “It's Getting Easier” / “High Touch Selling” / “Savage On Selling” / “The Feldman Method” by Andrew H. Thomson / “A Man on a Mission” by Marv Feldman (Ben's son). Google each. Check out the content. Superb sales resources!7) APPROACH—“Would you be interested in selling your business?” / THINK, THINK ,THINK how to handle the CEO's reaction—no matter what it may be! / ”Your Uncle may force its sale at your death.” / (Uncle Sam). If the CEO employs hundreds, estate settlement expenses can be HUGE. Go to the IRS office nearest you. Ask for a Form 706 (Estate Tax Return). After the CEO sees your approach is dead serious, ask: / “Have you ever seen this IRS Form 706?” / CEO REACTION, REACTION / “May I come back by appointment so we can talk more?”6) LAWYER—Talk to the lawyer about your approach. Ask how s/he would structure your follow-up appointment’s conversation to get the CEO to agree to take the next step. Very many seasoned life insurance agents have arranged appointments in the CEO's attorney's office. TWO CAUTIONS: FIRST, don't steer legal work away from the CEO's attorney. SECOND, the CEO's attorney might be a lightweight in the estate planning/trust arena. If so, and if the attorney is humble, there's a chance you just might hear something like this: “This trust that you’re recommending is beyond my ability to create. We should get someone who does this kind of legal work all the time.” And be sure to read Harold Zlotnik's “Broad Concept.”5) LIST BROKER—Call Marcia Glasser. Her website is www.CISmarketing.com. Great lady!4) 3) TERRITORY & DEMOGRAPHIC—Buy 1,000. Cost roughly $2002) SELLING—Read the best book on selling in my library (and maybe the best book on selling ever published) — “Selling is a Woman's Game” by Nicki Joy with Susan Kane-Benson. A gem!1) MARKETING—Your local reference librarian may or may not be able to help with library resources to find or create what Marcia sells. (See point 5). Consider splitting the cost with a friend interested in working on this CEO Target Marketing project. It's good to learn together!1 ) MARKETING--”Selling The Dream, How to Promote Your Product, Company or Ideas and Make a Difference Using Everyday Evangelism” by Guy Kiyosaki (endorsed by Steve Jobs!)1) MARKETING—“Cold Calling For Cowards--Hot Tips On Cold Calling” by Jerry Hocutt. Privately published. You won't find this little gem in a book store. Googling may or may not help. Contact Hocutt & Associates, Inc., 24933-132nd Place S.E., Kent, WA 98042 (253) 639–0744

Thanks A to A,Pune has always been an excellent destination for aspiring students. Here are a few reasons why you should choose MBA colleges in Pune. VISIT ON THIS LINK / TO CONNECT WITH US / FREE COUNSELING CALLSTop MBA Colleges in Pune: Needless to say, Pune is home to some of the top MBA colleges in India. It has been a sought-after MBA destination for students who want to become managers in the future. Pune is home to top colleges such as Symbiosis International University, Department of Management Sciences, Pune College of Business Management and the like.Cost of living: Compared to the other metropolitan cities, the cost of living in Pune per say is relatively less. Students can easily find accommodation on a shared basis, and all the amenities are available at affordable prices.Career opportunities: Pune has all the top companies like Infosys, TCS, Tech Mahindra, Amdocs, Accenture, Capgemini and the like. After completing their course, students can get career opportunities in such top companies.Thus, if you are an MBA aspirant, then Pune is a great destination. Below is a list of top 10 MBA colleges that you can consider.Rank 1 | Top 10 MBA colleges in PuneSymbiosis Institute of Business ManagementSIBM Pune is one of the best MBA Colleges in India. It is recognised for its excellent academics. SIBM Pune was established in the year 1978. It has illustrious alumni, bright students, distinguished faculty and various visiting faculty that make a great college. SIBM is a student-driven college, and its student council has nine teams. The student council organises multiple events throughout the year, for instance, Sports Conclave, the Blueprint and many more.Course DetailsSIBM Pune offers a full-time MBA program to its students that last for two years. It is spread across four semesters and offers specialisations in Finance, Human Resource, Operation Management and Finance. The structure of the program is such that it gives the best exposure to the students related to the industry. The course provides a nurturing classroom environment that helps students become competent leaders of tomorrow. The candidates applying for this course should have graduated from any statutory university with a minimum of 50% marks.Placements at SIBM PuneDuring the latest placement drive at SIBM Pune, a total of 85 companies from sectors such as BFSI, Consulting, Retail, Information Technology and the like visited the campus. The participating companies made around 190 offers to the students. The average pay package offered was up to Rs. 16. 23 LPA and the highest compensation went up to 28 LPA.Differential FactorSIBM Pune has continued to be one of the top MBA Colleges in India. The entire faculty at SIBM Pune is highly qualified with degrees like MBA and PhD. Their vision is to promote international understanding through quality education. The students at SIBM have won several national and international laurels. The companies that come for recruitment offer diverse profiles to the students. The campus of SIBM is picturesque, and the infrastructure is state-of-the-art. Moreover, it has won several awards over the years that add to its credibility.Contact DetailsAddress: Symbiosis Knowledge Village, Gram Lavale, Tal Mulshi, Pune, Maharashtra 412115Website: MBA colleges in PuneRank 2 | Top 10 MBA colleges in PuneBalaji Institute of Modern ManagementBalaji Institute of Modern ManagementBalaji Institute of Modern management is a prestigious school of management in Pune. It has produced several managers, leaders and entrepreneurs. It was founded by Dr Balasubramanian, and the first batch of BIMM graduated in the year 2001. It is the flagship college of Sri Balaji Society that offers AICTE approved PGDM courses. BIMM is very famous not only Pune but also India for its quality education as well as placements. Balaji Institute of Modern Management has been consistently ranking among the top MBA colleges in India.Course DetailsBIMM offers MBA equivalent PGDM programs that last for two years. One can take up a course in General Management, IT and Marketing, PM and HRD. Engineers who have an excellent academic score can also specialise with subjects such as cloud computing and analytics. These courses are in top demand in the IT industry and also give a great start to one’s career. Admission is based on a valid score of CAT, XAT, CMAT and MAT. This is followed up by a group discussion and personal interview. Candidates should have 50% minimum marks from any recognised university.Placements at BIMMThe highest package offered for students at BIMM went up to 16 lakhs per annum. On an average, students get placed for packages that are 6.5 lakhs per annum. Students get placed in companies such as IBM, Oracle, Google and the like.Differential FactorMore than 335 companies visit campus each year for placements. The collegefocuses on the all-round development of the students. It holds several cultural events each year for the benefit of students. The National Conclave is an event that witnesses the presence of top corporate leaders from the country. A lot of induction guest lectures are also conducted to help the students broaden their perspectives. Multiple internships, as well as periodic interactions with the industry leaders, provide a practical aspect to the learning.Contact DetailsAddress: Survey No. 55/2-7, Off Mumbai-Bangalore Bypass, Tathawade, Pune, Maharashtra 411033Phone: 020 6674 1236Website: Best MBA College in PuneRank 3 | Top 10 MBA colleges in PuneMIT School of ManagementMIT School of ManagementMIT School of management comes under MAEER, i.e. Maharashtra Academy of Engineering and Educational Research. It is a leading business school which has also been ranked by NIRF. It was established in the year 1987. Their mission is to create a platform that bridges the gap between academia and the corporate. MIT has successfully built a powerful force of leaders in the human resource, finance, marketing and international business. The student-centric approach of the college also strives on maintaining quality.Course DetailsThe two-year MBA program is designed by keeping in mind the national priorities as well as international practices. The course is aligned with the recruiter expectations. The choice-based credit system gives the students an option of opting for courses depending on their goals and aptitude. Students need to have a minimum of 50% in their bachelor’s degree. CAT, MAT and XAT scores are accepted.Placements at MIT SOMAt MIT SOM, students are given relevant training related to placements. This helps them carve successful careers for themselves. More than 250 companies participate in recruitment each year. The average package for students is 4.10 LPA, and the highest package is 8.6 LPA.Differential FactorMIT SOM has ranked platinum in the CII AICTE survey of 2016. It is also accredited by NBA and has placed about 370+ students thus far. The campus has an excellent infrastructure with all the modern amenities. The college ranks among the top 100 colleges by National College ranking framework. Moreover, it was also ranked 7th by the Ministry of Science and Technology in 2017 for Smart India Hackathon.Contact DetailsAddress: http://S.No. 123, Saraswati Vishwa Building, “A” Wing, 3rd Floor, MIT Campus, Paud Road, Kothrud, Pune. 411038Phone: +91 – 09403865490 | 08605007431Website: MIT School of ManagementRank 4 | Top 10 MBA colleges in PuneInternational School of Business and Media, Pune International School of Business and Media, PuneThe programs provided by ISBM Pune are AICTE approved and are employment oriented. They have a dedicated placement cell that ensures that all students get a good job upon the completion of their course. It is one of the top MBA colleges in Pune. The programme offered by the college is state of the art and contemporary. The college boasts of its accomplished faculty as well as excellent academics. It believes in creating a great learning environment for the students. The campus is located far from the city in the lush greenery thus providing an excellent ambience for learning.Course DetailsThe PGDM course helps students in building and maintaining business capabilities. The course is ideally divided into two parts namely the core courses and elective courses. A student is required to complete 130 credit courses. The course comprises quizzes, assignments, comprehensive viva and case analysis. Students need to have a valid score of CMAT, CAT and MAT.Placements at International School of Business and MediaThe highest package offered at the International School of Business and Media is 16 lakhs per annum and the average package offered goes up to 7.4 lakhs. Students are often placed with top MNCs like ICICI Prudential, Kotak Mahindra Bank and Bridgestone.Differential FactorISBM is amongst the top 2% of B-schools in India when it comes to career building and education. It has a record of 100% placements for its students. The esteemed faculty of ISBM makes it an excellent option for pursuing a degree in MBA. It has a vibrant campus culture for the students that include all modern amenities. After the successful completion of the course from the university, the students can get placed in the top-notch MNCs.Contact DetailsAddress: S. No. 44/1, 44 1/ 2, Nande Village, Pashan Sus Road, Taluka Mulshi, Pune ( Maharashtra)Website: Best B School in India for PGDM Courses, ISB&M PuneRank 5 | Top 10 MBA colleges in PuneInternational Institute of Management StudiesThe college was established in the year 2005 under the Sai Balaji Educational Society. It is approved by AICTE and is an ISO certified college. The vision of IIMS Pune is to develop the students so that they become professionally competent. The college focuses on delivering management training to the students to help them carve a successful career for themselves.Course DetailsThe PGDM course at IIMS Pune prepares the students for successful careers in management. The application-based curriculum provides practical knowledge to students that help in creating thought leaders as well as entrepreneurs. It is a two-year program that comes with dual specialisation. Students with a valid score of CAT/MAT/XAT/ATMA and CMAT are eligible for the course. They should also have a degree from a recognised college and work experience of at least one year.Placements at IIMS PuneThe highest package offered to students goes up to Rs. 6.8 lakhs and the average package is of 4.1 lakhs per annum. The frequently visiting companies are Cognizant, Infosys, ITC, BAJAJ Capital and the like.Differential FactorIIMS Pune has got the award of the best education brands by The Economic Times in the year 2018. It has been ranked among the top MBA Colleges in India several times. The college also has well-furnished classrooms that have audio-visual aids and LCD projectors. The computer centre has the latest technologies as well as tools. Moreover, students can also benefit from the well-stocked library that the college has. There are three seater rooms available for both girls and boys in the hostel.Contact DetailsAddress: Hinjewadi IT Park, Survey No. 54, Nere Dattawadi, Pune, Maharashtra 411033Phone: 096659 66035Website: Top MBA Colleges in Pune | Best MBA Institute | IIMS PuneRank 6 | Top 10 MBA colleges in PuneInternational School of Business and Media, Pune Pune Institute of Business ManagementPIBM was established in the year 2007 and focuses on the high academic standards. It trains students to shine in the corporate world. The campus of PIBM is strategically located in the outskirts of Pune. PIBM offers an MBA program which is in affiliation with Savitribai Phule Pune University. Students are trained in decision making, leadership skills and analytical thinking to build great careers in the field of business management. The course is redesigned every six months to ensure that the curriculum is up to the mark. Thus far, PIBM has produced over 3500+ successful MBA graduates who are placed in the top companies.Course DetailsThe MBA course offered at PIBM is aligned with the needs of industry and is experiential. The course not only focuses on making the individuals competent but also helps them improve communication, IT skills as well as presentation. The course is also complemented by certifications which help the students in becoming industry ready. The exams accepted are CMAT, MAT, CAT and ATMA. Duration of the course is of 2 years.Placements at PIBMGraduates of PIBM are campus placed in top companies such as Indiabulls, JP Morgan, American Express and Alchemist India.Differential FactorThe students are provided with a six sigma certification and Microsoft project certification during their course. They are taught with the training tools such as SPSS, R, Ace Analyser and Bloomberg Terminal. Students are also provided with basic and advanced business communication training. They can benefit from the live business projects as well as summer internships. The course is designed so that students can develop their personality. They have to give 50 presentations each semester which helps them hone their presentation skills. Moreover, they are also prepared well for the placements. Apart from this, there are a lot of modern amenities in the campus such as Gym, sports, yoga and hobby development.Contact DetailsAddress: Gut No. 605/1 Lavasa Road, Tal – Mulshi, Paud Road, Pirangut, Pune – 412115, MaharashtraPhone: +91-20-66036700/5/9Website: Best MBA PGDM College in Pune, IndiaRank 7 | Top 10 MBA colleges in PuneNational Insurance AcademyNational Insurance Academy is a premier college in Pune that is dedicated to giving talented professionals to the insurance industry. It was established in the year 1980. The postgraduate diploma in management is designed to meet the high demand of individuals in the risk management and insurance area. The program is such that it offers dual expertise in management as well as insurance.Course DetailsNIA provides quality education to its students with a degree that imparts dual expertise in management and insurance. The students are made acquainted with the Indian insurance industry. The core domain and the managerial skills go hand in hand. The course is continuously revised according to the expectation and need of the industry. Each student needs to complete six trimesters of academic work along with 8 to 10 weeks of summer internship program to qualify for the diploma. To be eligible for the course, one has to have a valid score of CAT or CMAT along with relevant work experience.Placements at NIA PuneThe highest package reported for students is ten lakhs per annum. The average package goes up to Rs. 7.3 lakhs per annum.Differential FactorNIA has a seasoned faculty that trains the students to become successful professionals. The college has a multifaceted culture. Regular visits from distinguished faculty help the students in staying updated with the industry requirements. The teaching methods at NIA include problem-solving, decision making and diagnostic testing. Moreover, NIA gives nine scholarships of 1 Lac each to the meritorious students, eligible students as well as girl students. After completion of their course, students can come up with creative on the job solutions for the corporate due to their excellent training at the college.Contact DetailsAddress: National Insurance Academy, 25, Balewadi, Baner Road, NIA P.O., Pune 411 045 IndiaWebsite: National Insurance Academy - National Insurance AcademyRank 8 | List of MBA colleges in PuneSymbiosis Institute of Media and Communication Symbiosis Institute of Media and CommunicationSIMC is a premier college that nurtures talent in the area of developing future leaders for managing creative businesses. It is a perfect place for those who wish to make a career in media and communication management. Symbiosis international is a deemed university that was founded in 1971. Thus far it has grown to become a multidisciplinary university and has conducted 107 courses. The various campuses of SIU host students from a variety of countries.Course DetailsThe MBA offered by SIMC covers all aspects of the media industry. The students can get a complete idea of the industry requirements and various nuances related to it. Students who have 50% marks from a recognised university can apply for the course. One has to apply for SNAP and then proceed to register for MBA (CM).Placements at SIMCThe placement record of SIMC is, and students usually get placed with companies like VIACOM, Indian Express, Hindustan Times, Times Now and the like. The highest salary is 13 LPA whereas the average salary goes up to 5.6 LPA.Differential FactorSIMC is approved by AICTE and has been graded ‘A’ by NAAC. The faculty comprises seasoned industry professionals as well as academicians that facilitate practical knowledge as well as theory. Various extracurricular activities are conducted throughout the year. The infrastructure of the campus has a computer lab as well as studio and festivals such as SIMCinema and SIMCarnival are the major events. Moreover, students are provided with several scholarships to support their career.Contact DetailsAddress: Symbiosis Knowledge Village, Lavale, Mulshi, Pune, Maharashtra 412115Phone: 020 3911 6100Website: MBA in Mass Media and communication colleges in PuneRank 9| Top 10 MBA colleges in PuneFLAME University School of BusinessFLAME University was established in the year 2007 and is located in Pune. The university was created with a motive to provide a conducive environment for students by going beyond traditional education. This university is approved by UGC and AICTE. Moreover, it is one of the best MBA colleges in Pune. The university provides a range of different programs across different disciplines.Course DetailsThe two year MBA program is offered in various specialisations. To be eligible for the course, students need to have a minimum of 50% marks aggregate. A valid score of the following entrance exams is accepted – CAT/MAT/ XAT/ GMAT/ MH-CET.Placements at FLAME UniversityThe university has a dedicated placement cell that prepares students by conducting workshops and mock interviews. The participating companies include ITC Limited, Axis Capital, Aditya Birla Capital and the like. The highest salary offered was 13 LPA, and the average was 6.6 LPA.Differential FactorThe faculty at FLAMES University is from prestigious institutions such as Princeton, Harvard University, IITs and IIMs. The faculty to student ratio is 1:9. Students can participate in the study abroad opportunities and international immersion programs. They also get a chance to interact with the industry experts. Coming to the campus life, the campus is built over an area of 60 acres with complete facilities such as hostel, canteen, gym, recording studio, and library etc. Recruiters from over 70+ companies visit the University for Placements. Moreover, several scholarships are offered to the students that intend to recognise the distinctive attributes and excellence of students.Contact DetailsAddress: Gat No. 1270, Lavale, Off. Pune Bangalore Highway, Pune, Maharashtra 412115Website: The Pioneers of Liberal Education in IndiaRank 10 | Top 10 MBA colleges in PuneIndira School of Business StudiesIndira School of Business StudiesIndira School of Business Studies was established under the Shree Chanakya Education Society. The college was found with a motto of meeting the demands of the business sector. It is approved by AICTE. The college boasts of study tours abroad, and the technology keeps students at par with the trends in the business field. ISBS believes that the global scenario requires professionals to have sufficient knowledge as well as the confidence to face a competitive and tough real-world scenario.Course DetailsThe MBA program has a duration of 2 years and equips the students with the competence to face the rigorous corporate world. The course imparts contemporary domain knowledge that is required to become a dynamic business manager. Students need to have a minimum of 50% in their undergraduate degree from a recognised university to apply for the enterance test.Placements at ISBSThe highest package offered to students went up to 14 LPA. The companies that visit for campus placements are Deloitte, Hyatt, Honeywell and the like.Differential FactorISBS is one of the top MBA colleges in Pune. It boasts of its excellent curriculum, infrastructure, corporate internship program and digital interface for learning. The courses at ISBS are designed for a fulfilling career in the corporate. It has also got the award of Outstanding B-school in the west as well as Best Emerging Business School. The awards are a testimony to the all-round education provided to the students. Moreover, ISBS has a sprawling campus that has fantastic facilities for a contemporary student lifestyle. The various technical events, as well as extracurricular activities, help students in developing a sound personality ready for the corporate world.Contact DetailsAddress: Abhinavan’, S. No. 89/2A, Mumbai Pune Bypass Road, Tathawade, Pune, Maharashtra 411033Phone: 020 6675 9421Website: Indira School of Business Studiesmba colleges in PuneMBA in a NutshellMBA in a Nutshell is a free online business training platform that is powered by the passion of inspirational volunteers from across the internet. The idea behind this initiative is to provide a structured training course by converging a number of excellent business related teaching resources .What is MBA?What is a MBA? A Master of Business Administration, or MBA, is an overall alumni business degree that shows understudies specialized, administrative, and authority abilities. Winning a MBA gives you important business intuition, grows your expert organization, and makes new chances. It’s an ideal choice to consider whether you need to improve your profession, progress to another industry, or become a business visionary.Why MBA course?An MBA degree not only makes the student competent but also helps in getting a better salary. With the knowledge gained during the degree, students can even learn to start their own company from scratch. They can obtain all the valuable insights about business aspects. Moreover, an MBA from Top MBA colleges in Bangalore increases your credibility and enables you to pursue various career fields and create a good profile for yourself.Specialisations in MBAThere are a lot of specialisations in MBA, around 40 and you can choose one based on your interests as well as skill set. Below are the most popular types of MBA specialisations.Marketing: Businesses are getting very competitive these days, and corporate is continuously looking for fresh talent with impeccable marketing skills. Marketing is also one of the most lucrative fields.Finance: A lot of MBA graduates opt for Finance as a specialisation. This owes to the good pay package offered in the Finance field. One could make a successful career in investment banking, derivatives and credit risk management etc.Human Resource: An MBA in HR will give students an insight into managing employees and to retain the workforce in an organisation. HR professionals often liaison between the employee and the management.International business: A specialisation in International Business gives students valuable insights about the various aspects of international business and its nuances. It makes the students ready for the global market and the broad scenario wherein they will be putting their valuable skills to use.Information Technology: An MBA in Information Technology is a perfect blend of technology and management. In today’s era of technology, an MBA in IT can help in managing how the data flows within an organisation, among the companies as well as on a larger global scale.Thus, students can choose their specialisation carefully as it shapes their career significantly. It is always a good idea to go for something that you are interested in.Career options after MBAA lot of students are opting for the valuable course of MBA due to its demand in the market. You can take up a lot of career options after successful completion of an MBA from Top MBA Colleges. You can become a management consultant who advises the companies with their problems and hurdles that might be holding them back. This career path is very flexible and yet pays really well. Another popular career option is to become a marketing manager. These professionals are responsible for devising a sound marketing plan to help the organisation grow. The salary in this field is very good.Investment banking is also becoming very famous. Investment bankers provide advice to companies during the financial transitions. Bankers ensure that all the paperwork is in order and that their clients follow the government regulations. Other options for students after completion of their MBA are to become an Operations Manager, Financial Advisor and the like. Moreover, you can also start a business of your own. Entrepreneurship is indeed very fulfilling and rewarding. It gives you the freedom to be your own boss.Types of MBA courses and Key Differences Between ThemThere are different types of MBA. A full-time MBA lasts for two years. Students have to dedicate all their time for this type of course, and there is very less time left then for personal commitments. A lot of full-time MBA programs have an internship program in it as a part of the course. Those holding a work experience of 1 or 2 years can take up this course.Executive MBA is for working professionals as they cannot take a long amount of time away from their work. This course is delivered on a part-time basis and can be covered within a span of 12 months to 24 months. Business schools offering EMBA program need the students to have a minimum of 4 to 5 years of work experience. It is a very popular option among women as it is very flexible.A part-time MBA is a full-time program that is completed during the span of 3 to 4 years. Unlike a full-time MBA, classes are generally held during the weekends.scope of mbaScope of MBA in PuneWith the growing demand in MBA, students can bag excellent opportunities in the public as well as private sectors. Listing below the highest and average salary comparison for MBA Colleges in Pune for 2019-2020:Some of the job profiles offered after completing MBA are:Finance ManagerMarketing ManagerSales ManagerHuman Resources ManagerOperations ManagerProduct ManagerData Analytics ManagerDigital Marketing ManagerAdvertising Sales ManagerNGO ManagerTop Recruiters for MBA graduatesMBA graduates from any domain are in high demand. Below is the list of few top companies in Pune that recruit MBA graduates alongwith their placement ratings:Colleges Placement Ratings (Based on Reviews) Top RecruitersDr. D.Y. Patil B School, Pune 4.8 Angel Broking, Asian Paints, Axis Bank, Bajaj Capital, Bandhan Bank, Berger Paints, Blue Dart, Capgemini, Cipla, CITI Bank, Club Mahindra, Deloitte, DHL, Fortune Hotels, HCL Infosystems, HDFC Bank, India Bulls, India Infoline, India Mart, Infosys, ITCAlard Group of Institutes, Pune 4.8 Accenture, Amul, Axis Bank, HDFC Bank, HSBC, ICICI, Infosys, Microsoft, Pantaloon, Shoppers Stop, Wipro, etc.Zeal Institute of Business Administration, Computer Application and Research (ZIBACAR), Pune 4.7 Axis Bank, Bajaj Capital, Edelweiss Securities, HDFC Bank, Infosys, Just Dial, State Bank of India, TCS, Ubisoft, Wipro, etc.NBN Sinhgad School of Management Studies, Pune 4.7 ITC, Britania, Coca Cola, etc.RIIM – Arihant Group of Institutes, Pune 4.5 Amul, Atos, Axis Bank, Berger Paints, Bose, Cafe Cofee Day, Capgemini, Decathlon, Eureka Forbes, Force Motors, Future Group, HDFC Bank, ITC Ltd., JK Tyres, Johnson Johnson, Just Dial, Khadims, L&T Infotech, Northern Trust, PayTM, Tech Mahindra, Vodafone, etc.National Institute of Bank Management, Pune 4.5 Aranca, ARCIL, Axis Bank, Bandhan Bank, BOB Capital Markets Ltd., Capital First Ltd, Clearing Corporation of India Ltd, Datamatics Limited, Development Credit Bank, Federal Bank, HDFC Bank, HSBC, ICICI, ICICI Prudential, ICRA, IDBI Capital, KPMG, National Commercial Bank, National Payments Corporation of India, Yes Bank, etc.MBA Specialisations offered in PuneMBA colleges in Pune offer diversified specialisations in Sales and Marketing, Finance, Human Resources, Operations, IT and Systems, International Business, Supply Chain, Agriculture and Food Business, Business Analytics, Healthcare and Hospital, Rural Management, etc. The most popular ones are Sales and Marketing and Finance followed by Human Resources.Increasing Demand for MBAsGoing to a B school can give your career a boost. It opens up a lot of career options as the demand for talented MBA graduates is also increasing. Recently, a lot of consulting firms such as Deloitte and Accenture are demanding managers with an MBA degree. Even reputed banks such as Bank of America hire MBA graduates each passing year to be a part of their workforce.According to a recent survey, employers believe that MBA graduates add a lot of value to their organisations. They bring with them analytical and critical thinking skills which make them well suited to be a part of the corporate. Moreover, the Asia-Pacific region has witnessed an increase in the demand for MBAs. Based on stats, over 84% of employers plan to hire fresh MBA graduates.MBA Options in India Vs AbroadThere are a lot of MBA Colleges both in India and abroad from where you can get an MBA degree. However, these two significantly differ in terms of pre-requisites, job prospects, cost of education and the like. You can look into these factors and based on them can select whether you wish to pursue your MBA from India or abroad.For instance, the most popular entrance exam for MBA in India is CAT, and there are also other exams such as XAT, IIFT, NMAT and SNAP. Whereas in foreign countries, one has to appear for GRE or GMAT to make it to the B schools. Along with it, the student should have an excellent academic record as well to apply to these colleges. If you are aiming for top colleges abroad, then a work experience of 2 to 3 years is also required.Another very important factor to consider is the cost of MBA. Typically, in India, the cost of an MBA will range between 10 to 20 lakhs. On the other hand, an MBA degree from abroad starts off from 30 lakhs and goes up to 80 lakhs for top programs. In terms of jobs, it is relatively easy in India due to the provision of campus placements whereas in foreign countries the competition is really tough.Admission Criteria of MBA Colleges in PuneTop 10 MBA Colleges in Pune: Entrance Exam WiseMajority of admissions in the top MBA colleges in Pune are done through national level MBA entrance exams like CAT, XAT, MAT, SNAP, etc. However, some institutes consider the scores of only some local exams like MAH CET. For example, IMED Pune gives admissions only on the basis of the score secured in BVP BMAT.Given below are the top MBA colleges in Pune categorized according to the entrance exam they accept.Top 10 MBA Colleges in Pune Accepting MAT ScoreMAT or Management Aptitude Test is conducted 4 times in a year for admission in MBA programs.More than 600 top 10 MBA colleges in India accept MAT score.The exam is held in February, May, September and December.Combining all the 4 sessions, more than 3 lakh students apply for MAT every year.The top 10 MBA colleges in Pune accepting MAT score are:Savitribai Phule Pune University [PUMBA]Balaji Institute of Modern Management [BIMM]Flame University, PuneArihant Institute of Business [AIBM]Top 10 MBA Colleges in Pune Accepting CMAT ScoreCMAT (Common Management Admission Test) is conducted by NTA in January every year for admissions in more than 1000 AICTE approved B-Schools in India. It is an online exam for a duration of 3 hours, having 100 questions divided into 4 sections. Some of the top MBA colleges in Pune accepting CMAT score are:Balaji Institute of Modern Management [BIMM], PuneAISSM Society Institute of Management [AISSMS IOM], PuneIndira Institute of Management [IIMP], PuneApart from this, BVP BMAT is accepted only by IMED Pune.Top 10 MBA Colleges in Pune: Placement WisePune management colleges show good placements as many top colleges like those affiliated to Symbiosis International (Deemed University) are located here. 100s of recruiters visit the city every year to hire some of the most brilliant brains from these colleges. There are many top MBA colleges in Pune with 100% placement.The below graph shows some of the colleges with the average CTC they offer.Admission Process of MBA Colleges in PuneThere are a total of 204 MBA colleges in Pune imparting excellent management education to students. 12 of these colleges are public while 192 are top private MBA colleges in Pune.Admissions are mainly done through top management entrance exams like CAT, MAT, XAT, NMAT, SNAP, etc. Some institutes also conduct their own entrance tests.After the entrance exam scores are considered, colleges also conduct their own Written Ability Test (WAT) and rounds of Group Discussions (GD) and Personal Interviews (PI).Certain colleges also conduct additional rounds like an extempore debate. Along with all these, top MBA colleges in Pune also consider a student’s overall academic performance including the marks in Class X and XII.How affordable is studying MBA in Pune: Fee Structure of MBA colleges in PuneBased on the below pie chart, it can be estimated that pursuing MBA in Pune is moderately priced as approximately 31% colleges is between Rs 1-2 lakh. Some of these colleges are:Department of Management Sciences, Pune UniversityJayawantrao Sawant Institute of Management and ResearchZeal College of Engineering and ResearchRIIM – Arihant Group of InstitutesASM’s Institute of Professional StudiesJSPM’s Rajarshi Shahu College of EngineeringThe fees of around 27% colleges is more than Rs 5 lakh. Some of these colleges are:ASM’s Institute of Business Management and ResearchInternational School of Management & ResearchMIT College of Management, MIT Art Design and Technology UniversityInternational Institute of Management StudiesRIIM – Arihant Group of InstitutesSchool of Management, MIT WPUBalaji Institute of International Business, Sri Balaji UniversityThe fees of around 19% colleges ranges between Rs 3-5 lakh. Some of these colleges are:International School of Management StudiesMIT College of Management, MIT Art Design and Technology UniversityASM’s Institute of Business Management and ResearchAIMS Institute of Management StudiesMITCON Institute of ManagementSai Balaji International Institute of Management SciencesApproximately 17% MBA colleges have a moderately expensive fee structure that ranges between Rs 2-3 lakh. Some of these colleges are:Y. Patil Institute of Master of Computer Applications and ManagementD.Y. Patil Institute of Master of Business AdministrationMIT College of Management, MIT Art Design and Technology UniversityJayawant Institute of Management StudiesPravara Centre for Management Research and DevelopmentJSPM’s Jayawantrao Sawant College of EngineeringOnly around 6% MBA colleges in Mumbai are expensive with a fee structure of less than Rs 1 lakh. These colleges are:Shri Shivaji Maratha Society’s Institute of Management & ResearchNational Institute of Event ManagementVaikunth Mehta National Institute of Cooperative ManagementDhole Patil College of EngineeringBharati Vidyapeeth Deemed UniversitySai Sinhgad Business SchoolDifferent Aspects to choose MBA Colleges in PuneTop 10 MBA Colleges in Pune: Ranking 2020Every year, tens of ranking agencies release the lists of top colleges in India for different streams including management, education, law, engineering, architecture, pharmacy, etc. These rankings are divided into various other categories like state-wise, city-wise, university type, etc. NIRF, Business Today, and The Economic Times are some of these popular agencies releasing various ranking lists like Top MBA Colleges in India, Top Engineering Colleges in Karnataka, etc.These rankings are based on multiple parameters like Faculty Quality, Placements, Exam Pattern, Learning Outcome, etc. Mentioned below are some of the top MBA colleges in Pune rank wise with their fee structure. We have also mentioned the rankings of management colleges, as released in the latest NIRF Ranking 2020.