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Most of us are not aware of what an actuary does and the importance of the role in an insurance company. Undoubtedly, an actuarial job may seem quite boring, but it is one of the most challenging and high-paying jobs. If you are a math or statistics genius, then this may be the perfect career for you. The actuary's main responsibility is assessing/quantifying risk and developing means of mitigating risks. Actuaries are largely known for their work in the insurance and pension fields, where they design financially secure benefit programs to protect customers. Let's take a look at the role, certification process and career advancement of an actuary.

What is an Actuary?
Actuaries are the financial engineers of the insurance industry, specializing in either life and health insurance or property and casualty insurance. Basically, they formulate probability tables or employ highly advanced dynamic modeling methods that predict the probability that a potential event will generate a claim. From these tables, they ascertain the amount of money needed for claims payouts.

Different actuaries have different roles and may work for insurance companies or consulting firms, as well as in other businesses. They may be involved with devising a new retirement program for a company or even calculating the impact of laws banning car-cellphone use in automobile losses and determining suitable rate discounts. For instance, in property insurance, property and casualty actuaries compute the number of claims likely to result from natural catastrophes. The actuaries take into account the property's location, construction and several other factors before determining the premium.

Similarly, the figures calculated by actuaries ensure that insurance companies charge enough for premiums to cover predicted costs. In addition, actuaries have to make sure that the premium charged for that insurance is competitive with that charged by competing insurance companies. (For more on insurance, see Extended Warranties: Should You Take The Bait?)

Educational Background
If you are interested in becoming an actuary, you are required to earn an undergraduate degree in statistics, mathematics, finance or actuarial science. There are many schools and colleges that offer programs in actuarial science.

Before becoming a fully qualified actuary, individuals must pass examinations given by either the Society of Actuaries (SOA) or the Casualty Actuarial Society (CAS) over a period of five to ten years. Students are normally allowed to take the first two examinations while they are still in college. After graduation, students often obtain jobs as entry-level actuaries and work through the certification process while simultaneously gaining some experience in the field. In return, employers may pay the examination fees and provide extra study time to their employees. As actuaries pass exams, they are compensated with pay raises


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The European colonial settlement of Villa de San Agustin de Laredo was founded in 1755 by Don Tomás Sánchez while the area was part of the Nuevo Santander region in the Spanish colony of New Spain. Villa de San Agustin de Laredo was named after Laredo, Cantabria, Spain and in honor of Saint Augustine of Hippo. In 1840, Laredo was the capital of the independent Republic of the Rio Grande, set up in opposition to Antonio López de Santa Anna; it was brought back into Mexico by military force.

In 1846 during the Mexican–American War, the town was occupied by the Texas Rangers. After the war, the Treaty of Guadalupe-Hidalgo ceded the land to the United States. A referendum was taken in the town, which voted to petition the American military government in charge of the area to return the town to Mexico. When this petition was rejected, most of the population, who were Tejano and had been in the area for generations, moved across the river into Mexican territory, where they founded Nuevo Laredo. In 1849, the United States Army set up Fort McIntosh (originally Camp Crawford). Laredo was rechartered as a city in 1852.

Laredo is one of the oldest crossing points along the U.S.-Mexico border, and the nation's largest inland port of entry. In 2005, Laredo celebrated the 250th anniversary of its founding.

The origin of name of the original Spanish town of Laredo is unclear. Some scholars say the name stems from Glaretum which means "sandy, rocky place". Others state that Laredo stems from a Basque word meaning "beautiful pastures".[8][9] Laredo might also stem from the Latin Larida which means gull.

In 1954, Laredo faced a devastating Rio Grande flood, when the water reached 61.35 feet, more than 10 feet higher than in the previous 1932 flood, which had also caused great damage. According to Laredo historian Jerry D. Thompson of Texas A&M International University, the 1954 flood was "the largest in ninety-one years and the second largest according to archeological records in the last three hundred years."[10] Many were left homeless for a time because of the calamity. Former Webb County administrative Judge Mercurio Martinez, Jr., recalls that his father surveyed the depth of the water and advised residents to evacuate. Several downtown businesses had to remove their merchandise inventory or risk losing it to the rising waters. The flood caused the relocation of the Holding Institute. The international bridge was destroyed when it was struck by the floating railroad bridge, which had been hit by the debris of another bridge in Eagle Pass up the river. Photos of the flood by Teofilo Esquivel, Sr., are on the wall of a Danny's Restaurant on McPherson Avenue in Laredo.[10]


In 2013, Laredo ranked tenth in Texas in the rate of violent crime, with 430.9 crimes per 100,000 inhabitants. Highest in ranking was Odessa, with 806.4 violent crimes per unit. The second most "dangerous city" was also in West Texas; Lubbock had 658 crimes per 100,000 persons. The other border cities of El Paso, McAllen, and Brownsville ranked 13th, 18th, and 24th, respectively. The city with the highest murder rate in Texas was Beaumont–Port Arthur, with a rating of 8.6, compared to Laredo's 1.5.
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तल को बक्समा क्लिक गर्नुहोस

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