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CBM Certified Business Manager (APBM CBM) study tips |

CBM study tips - Certified Business Manager (APBM CBM) Updated: 2024

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CBM Certified Business Manager (APBM CBM)

Exam: CBM (Certified Business Manager)

Exam Details:
- Number of Questions: The exam consists of multiple-choice questions and case studies.
- Time: Candidates are given a specified amount of time to complete the exam.

Course Outline:
The Certified Business Manager (CBM) course is designed to provide candidates with a comprehensive understanding of essential business management principles and practices. The course outline includes the following topics:

1. Business Management Fundamentals
- Overview of business management concepts and theories
- Roles and responsibilities of a business manager
- Business ethics and social responsibility

2. Business Strategy and Planning
- Strategic management process and framework
- Developing and implementing business strategies
- Business planning and goal setting

3. Leadership and Team Management
- Leadership styles and skills
- Building and managing effective teams
- Motivating and engaging employees

4. Financial Management
- Financial statements and analysis
- Budgeting and financial planning
- Financial decision-making and risk management

5. Marketing and Sales Management
- Market analysis and research
- Developing marketing strategies and campaigns
- Sales planning and customer relationship management

6. Operations and Project Management
- Operations management principles and practices
- Project management fundamentals
- Process improvement and quality management

7. Human Resource Management
- Employee recruitment and selection
- Performance management and employee development
- Employee relations and legal compliance

8. Business Communication
- Effective communication strategies
- Business writing and presentation skills
- Interpersonal and cross-cultural communication

Exam Objectives:
The CBM exam aims to assess candidates' knowledge and understanding of fundamental business management principles and their ability to apply management concepts and techniques effectively. The exam objectives include:

1. Demonstrating a comprehensive understanding of business management concepts, theories, and practices.
2. Applying strategic management principles to develop and implement business strategies.
3. Effectively leading and managing teams to achieve organizational goals.
4. Applying financial management techniques in decision-making and risk management.
5. Developing and implementing marketing and sales strategies to drive business growth.
6. Managing operations and projects efficiently to optimize business performance.
7. Understanding and applying human resource management practices for effective employee management.
8. Demonstrating effective business communication skills in various contexts.

Exam Syllabus:
The exam syllabus covers the following topics:

- Business Management Fundamentals
- Business Strategy and Planning
- Leadership and Team Management
- Financial Management
- Marketing and Sales Management
- Operations and Project Management
- Human Resource Management
- Business Communication

Candidates are expected to have a deep understanding of these topics and demonstrate their ability to apply business management concepts and techniques in practical scenarios. The exam assesses their knowledge, critical thinking skills, and proficiency in various aspects of business management.
Certified Business Manager (APBM CBM)
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Our CBM Exam braindumps PDF contains Complete Pool of CBM Questions and Answers and Dumps checked and confirmed including references and clarifications. Our objective to collect the CBM Questions and Answers isn't just to pass the CBM exam at first attempt yet Really Improve Your Knowledge about the CBM exam points.
Certified Business Manager (CBM)
Answer: A
Question: 335
A formal research effort that evaluates the current state of HR management in an
organization is called:
A. HR Service
B. HR Mandate
C. HR Audit
D. HR Examination
Answer: C
Question: 336
The formula for Return on Investment is calculated as:
A. Return on Investment = A / (B + C)
B. Return on Investment = (A + C) / B
C. Return on Investment = (A + B) / C
D. Return on Investment = C / (A + B)
A = operations costs for a new or enhanced system for the time period
B = one-time cost of acquisition and implementation
C = value if gains from productivity improvements for the time period
Answer: D
Question: 337
In Maslows hierarchy of needs which of the following factor is NOT included?
A. physiological needs
B. self-actualization needs
C. safety and security needs
D. equipment and technology needs
Answer: D
Question: 338
What is defined as the perceived fairness of what the person does compared with what
the person receives?
A. Actuality
B. Equity
C. Justice
D. Evenhandedness
Answer: B
Question: 339
Expectation theory focuses on:
A. Effort performance expectations
B. Performance reward linkage
C. Value of rewards
D. All of the above
Answer: D
Question: 340
All of the above the underwritten expectations employees and employers have about the
nature of their work relationships is known as:
A. Fairness contract
B. Psychological contract
C. Loyalty contract
D. None of the above
Answer: B
Question: 341
Which of the following is NOT the type of turnover?
A. Involuntary turnover
B. Functional turnover
C. Faulty turnover
D. Controllable turnover
Answer: C
Question: 342
Some employees have a ______________ program in which vacation time, holidays, and
sick leave for each employee are combined into its that account.
A. non-faulty
B. paid time-off
C. value-added
D. relief-sanction
Answer: B
Question: 343
Organizing tasks, duties, and responsibilities into a productive unit of work is known as:
A. Job design
B. Job description
C. Job plan
D. Job model
Answer: A
Question: 344
Increasing the depth of s job by adding the responsibility for planning, organizing,
controlling, and evaluating the job in called:
A. Job rotation
B. Job enlargement
C. Job enrichment
D. Job extension
Answer: C
Question: 345
The extent of individual freedom and discretion in the work and its scheduling indicates:
A. Autonomy
B. Self-rule
C. Feedback
D. Sovereignty
Answer: A
Question: 346
A larger work segment composed of several tasks that are performed by an individual is
referred to as:
A. Task
B. Duty
C. Responsibility
D. Chore
Answer: B
Question: 347
Which of the following is NO the step in developing job descriptions and job
A. Draft job descriptions and specifications
B. Review and compile data
C. Review drafts with managers and employees
D. Identify recommendations
Answer: B
Question: 348
Duties that are part of a job but are incidental or ancillary to the purpose and nature of a
job are called:
A. Marginal functions
B. Essential job functions
C. Frequency functions
D. Supervisory functions
Answer: A
Question: 349
Basic characteristics that can be linked to enhanced performance by individuals or teams
are called:
A. Proficiencies
B. Competencies
C. Expertise
D. Capabilities
Answer: B
Question: 350
By which reason organizations use a competency approach?
A. to communicate valued behaviors throughout the organization
B. to raise the competency levels of the organization
C. to emphasize the capabilities of people to enhance organizational competitive
D. All of the above
Answer: D
Question: 351
______________ are the external supply pool from which employers attract employees.
A. Labor markets
B. Recruiting markets
C. Applicant markets
D. Administrative markets
Answer: A
Question: 352
A system in which he employer provides notices of job openings and employees respond
to apply is the job posting.
A. True
B. False
Answer: A
Question: 353
A comparison of the number of applicants at one stage of the recruiting process to the
number at the next stage is called:
A. Labor ratios
B. Surrender ratios
C. Yield ratios
D. Revenue ratios
Answer: C
Question: 354
Characteristic that a person must have to do a job successfully is known as:
A. Intelligence criterion
B. Selection criterion
C. Job performance tactics
D. Skills of service
Answer: B
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Financial Certified study tips - BingNews Search results Financial Certified study tips - BingNews I’m a Financial Advisor: Here are 5 Financial Resolutions To Get You to your Goals

goodluz /

‘Tis the time for New Year’s resolutions, and financial ones are top of the list for many Americans. While planning on adopting new financial habits and creating a roadmap for financial well-being is always a great start, sticking to these can be tricky.

I’m a Financial Advisor: Here’s the No. 1 Piece of Advice I Would Give My Younger Self
More: 3 Ways To Recession-Proof Your Retirement

“Many Americans want to improve their long-term financial outlook in 2024,” said Kelly LaVigne, vice president of consumer insights, Allianz Life, adding that nearly half of Americans in the New Year’s Resolutions Study from Allianz Life said they intend to make a resolution to manage their money better or save more in the coming year.

“But that resolution is vague,” Lavigne said. “The idea for a financial resolution may start out with broad intentions. For success, you’ll need to get specific and lay out the details of how you will actually achieve that goal.”

From simple, immediate steps to more long-term ones, financial experts shared their tips to achieve your goals.

Increase Retirement Savings

LaVigne noted that one of the most common ways people want to better their finances is by increasing their retirement savings, according to Allianz’s study, which is a worthy goal.

“But you need to do some hard work to know what your savings goal will be, how you will save, and what type of account the money will go into,” LaVigne said. “The good thing is that it is never too late to save for retirement.”

So, if your goal is to save more for retirement in 2024, you’ll want to figure out where, how much, and other logistics. LaVigne outlined a few ideas for specific goals, including increasing your 401(k) contributions in order to gain the full match from your employer; increasing your contributions to your 401(k) or IRA by 1%; and directing half of your monthly contributions into a Roth account in order to mitigate future tax risks.

Suze Orman: This Common Financial Choice Is the ‘Biggest Waste of Money Out There’

Cancel at Least 50% of Your Discretionary Subscriptions

This single step might help you lower your financial anxiety, said Bobbi Rebell, CFP,  founder of Financial Wellness Strategies and author of “Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Be Everyday Money Smart.”

For example, she said, choose between Netflix and Hulu.

“Then freeze your total number of subscriptions and only add one if you remove one. By capping your ongoing discretionary expenses you will feel more in control, and have a higher appreciation of the subscriptions you do actively choose to keep,” she added.

Hop on the ‘Career Cushioning’ Trend

That means being ready for a career disruption even if you have no intention of leaving your job, according to Rebell. For example, she said, take a course that will give you a certification to make you qualified for a related but different job in your field.

“Make the effort to get out and expand your work/friends circle so you have a broader network should you need it,” added Rebell. “By having a backup plan, you will lower your financial stress and be in a stronger position if you ever need it.”

Establish and Contribute To a Roth IRA

As Vanguard explains, a Roth IRA is an individual retirement account that offers tax-free growth and tax-free withdrawals in retirement. According to Roth IRA rules, as long as you’ve owned your account for five years and you’re age 59½ or older, you can withdraw your money when you want to and you won’t owe any federal taxes.

Matt Willer, managing director and partner at Phoenix Capital, explained the benefits of establishing and contributing to a Roth IRA.

“Consider the following,” he said. “A 21-year-old that starts with the maximum Roth contribution of $6,500, then makes that same contribution annually, invests in a modest 6% yielding instrument with compounding and doesn’t touch the funds — 50 years later, that account balance is over $2 million, all with just $6,500 a year in contributions. And if you start the above when you are 30, at age 70 you’ll have over $1 million, while  if you start at age 40, you’ll have about $568,000 at age 70.”

Budget for Savings

Robert R. Johnson, PhD, CFA, CAIA, professor of finance at Heider College of Business, Creighton University, noted that Warren Buffett said: “If you want to make saving a priority, take a look at how you budget. Do not save what is left after spending; instead spend what is left after saving.”

In turn, according to Johnson, if you want to make savings a priority, it cannot be a residual — what is left over. It should be a line item on your budget.

“You don’t successfully build savings by simply taking what you have left after all your expenses. We accomplish what we prioritize,” he said.

And automating these is a wise approach, according to him.

“People should try and automate as many financial decisions as they can. One must make saving money a habit,” he said. “For instance, have an amount taken out of each paycheck and put directly into an investment fund — most appropriately a low cost stock index fund.”

More From GOBankingRates

This article originally appeared on I’m a Financial Advisor: Here are 5 Financial Resolutions To Get You to your Goals

Wed, 03 Jan 2024 04:00:00 -0600 en-US text/html
Financial New Year's resolutions you can actually stick to in 2024 No result found, try new keyword!Data shows more Americans will make financially-geared New Year's resolutions for 2024 than they did last year. An expert gives tips on how to keep those commitments. Wed, 27 Dec 2023 03:30:55 -0600 en-us text/html 'Striking weaknesses' in adult financial skills

By Katherine SellgrenBBC News education reporter

A quarter of adults struggle to work out how much change they should get in a shop and half cannot read a simple financial line graph, a study suggests.

The study, from Cambridge University and University College London, found "striking weaknesses" in adults' financial skills across 31 countries.

It says financial literacy is essential if consumers are to avoid getting into debt or being misled on money matters.

The report says the findings point to a need for "urgent policy intervention".

The researchers analysed more than 100,000 results from 16- to 65-year-olds from 31 countries (listed below) who had completed the Programme for International Assessment of Adult Competencies test in 2011.

As part of this test, adults were asked four questions that assessed their ability to apply numerical skills to everyday financial tasks.

The researchers' analysis of these results said: "A substantial number of people lack the basic skills that are needed to solve everyday financial tasks."

The study, The financial skills of adults across the world, finds of adults across the 31 countries:

  • About a quarter could not work out how much change they should receive from a shop when buying a handful of goods, and this increased to about a third in Spain, England and Italy
  • About one in three adults struggled to work out the price they had to pay for a product when they were given a per unit cost, for example per litre or per kilo
  • About half could not read a simple financial line graph - the type often used to convey key information about the economy and financial products - and this rose to three-quarters in Greece, Chile, Italy and Turkey
  • Most struggled to calculate discounts involving more complex calculations

While adults in Estonia, Finland and Japan performed well across all four tasks, those in Turkey, Chile, Israel, Italy, Spain and England had among the weakest financial skills.

1. If you bought four packs of tea: chamomile ($4.60), green ($4.15), black ($3.35) and lemon ($1.80) with a $20 note, how much change would you get?

2. If a litre of cola costs $3.15, how much will you pay for a third of a litre?

3. If a football club offers the same discount for all season tickets - Main Stand - $50 for single entry, $300 for a season; Stand 2 - $35 for single entry, $210 for a season; Stand 3 - $25 for single entry, $150 for a season - what would the price be for a Stand 4 season ticket, where a single entry costs $21?

The answers are $6.10, $1.05 and $126 respectively.

The report says: "The ability to solve financial problems is critical to the wellbeing of adults across the world since everyday transactions, such as saving, spending and interacting with banks, require significant understanding of key financial concepts.

"Yet, in many countries, there is concern about the lack of financial acumen amongst adults, and whether education systems are equipping individuals with the necessary basic financial skills.

"Our key conclusion is that, in some countries, policy intervention will be needed to ensure adults have the basic skills they need to navigate their way through an increasingly complex financial world."

Study lead author Prof John Jerrim, from the UCL's Institute of Education, says: "We all need to be able to conduct basic financial calculations in order to make rational well informed decisions.

"This includes how much we should save into our pensions, understanding the financial implications of borrowing money from payday loan sites, through to whether we can really afford to buy a particular house."

The countries covered by the research paper are:

  • Turkey
  • Korea
  • Cyprus
  • Ireland
  • United States
  • France
  • Czech Republic
  • Finland
  • Slovakia
  • Chile
  • Estonia
  • New Zealand
  • Singapore
  • Slovenia
  • Belgium
  • Norway
  • Israel
  • Canada
  • England and Northern Ireland (counted as one for the report)
  • Poland
  • Germany
  • Italy
  • Lithuania
  • Austria
  • Greece
  • Russia
  • Netherlands
  • Denmark
  • Japan
  • Spain
  • Sweden

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Tue, 26 Sep 2023 10:31:00 -0500 text/html 3 Strategies For Finding A Certified Crypto-Friendly Advisor

The world of cryptocurrency has emerged as a lucrative investment opportunity, attracting both seasoned investors and newcomers alike. Having a certified advisor with crypto expertise is crucial because of the high returns and ever-evolving nature of the market. This article will explore three strategies to help you find the perfect advisor to guide you through the intricate crypto landscape.

The Benefits of Working With A Certified Advisor

Finding a competent, licensed financial advisor who is also crypto-friendly is like finding a needle in the digital haystack. Bitwise's recent study shows that while 90% of advisors receive questions about cryptocurrency from clients, only 15% invest in it.

Many Americans are new to crypto and may need help understanding the value a financial advisor can provide. Joe Kelly, co-founder and CEO of Unchained has launched Sound Advisory to address this gap in the market. “As bitcoin and legacy finance continue to intertwine, it’s critical for the industry to offer a bitcoin-native solution for professional financial guidance.”

As digital assets become more popular, it's important to have financial advice that covers both traditional and cryptocurrency investments. The competency of crypto-friendly advisors in tackling issues unique to the crypto domain, such as security best practices, wallet selection, and account funding, enables an investor to navigate the rapidly evolving crypto ecosystem confidently.

"Investors clearly want to invest in crypto, but volatility and security of their funds are a worry,” Adam Blumberg told me in an interview, based on his experience providing crypto education for advisors through his company Interaxis. “A crypto-certified advisor can help them understand how crypto can fit their portfolio based on their life and risk profile, and how to do so safely."

Strategy 1: Researching Certifications And Qualifications

When searching for a certified advisor, it is essential to delve into their certifications and qualifications. Look for professionals who hold certifications, such as Certified Digital Asset Advisor or Certified Blockchain Expert. These certifications demonstrate a deep understanding of crypto and adherence to industry best practices. Additionally, explore their educational background and any relevant degrees or courses they have completed.

It is also crucial to consider the ongoing professional development of a potential advisor. Look for individuals who participate in continuous education and stay updated on the latest developments in the cryptocurrency world. A competent advisor will actively seek opportunities to enhance their knowledge and skills, ensuring they can provide accurate and up-to-date guidance.

Strategy 2: Seeking Recommendations And Referrals

One of the most effective ways to find a certified advisor with crypto expertise is by seeking recommendations and referrals from trusted sources. Start by reaching out to fellow investors or professionals in the financial industry with cryptocurrency experience. They can provide valuable insights and suggestions based on their interactions with advisors.

Online forums and communities dedicated to cryptocurrencies are also excellent resources for gathering recommendations. Engage with these communities, ask for advice, and seek out individuals who have had positive experiences with advisors. However, always exercise caution and verify the credibility of the sources before making any decisions.

Strategy 3: Evaluating Experience And Track Record

When evaluating potential advisors, assessing their experience and track record in the crypto market is crucial. Finding data on investment performance is unlikely, but you can look for advisors who have been actively involved in the industry for a significant period. Experience brings valuable insights and the ability to navigate the volatile market successfully.

One obvious strategy that is often overlooked is the advisor’s website. Publicly advertising cryptocurrency services indicates the advisor has a business model to deliver advice and the confidence to market their knowledge. A reputable advisor will be transparent about their achievements and be willing to provide references or case studies.

Questions to Ask When Interviewing A Potential Advisor

During the interview process, it is essential to ask relevant questions to gauge the expertise and suitability of a potential advisor. Consider asking the following:

  1. What certifications and qualifications do you hold?
  2. How do you stay updated on the latest developments in the crypto market?
  3. Can you provide references or case studies of your past successes?
  4. How do you approach risk management in cryptocurrency investments?
  5. How do you customize your advice to align with individual investment goals and risk tolerance?

Asking these questions will allow you to assess the advisor's knowledge, communication skills, and ability to tailor their advice to your needs.

Working with a certified advisor offers numerous benefits, including knowledge, compliance assurance, and mentorship. Using the strategies above, you can conduct thorough research, seek recommendations from trusted sources, and evaluate potential advisors based on their experience and track record. Remember to ask relevant questions during the interview process and remain vigilant for any red flags that may indicate potential issues.

Disclosure: I am the Co-Founder of PlannerDAO, a non-profit that manages the Certified Digital Asset Advisor designation. The views and opinions expressed in this article are my own and do not necessarily reflect the official policy or position of PlannerDAO. This article is for information purposes only and should not be construed as legal advice.

Thu, 02 Nov 2023 00:00:00 -0500 Steve Larsen en text/html
SecurEyes unveils its Cyber Security Certification Program

SecurEyes, a cybersecurity firm, has announced the commencement of its Cyber Security Certification Program for the February 2024 batch.

According to an official release, the February 2024 batch will get live sessions conducted by cybersecurity experts engaged in real-world projects from around the globe. Reportedly, students will have 24×7 access to online labs and study material covering concepts such as information security, network security, infrastructure security, application security, governance, risk and compliance, security operations, and incident management.

“Our program is designed to equip one with the latest knowledge and practical skills to excel in this field,” Karmendra Kohli, co-founder and CEO, SecurEyes, said. 

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Thu, 04 Jan 2024 22:00:00 -0600 en text/html
What International Students Should Know About Financial Aid No result found, try new keyword!First-time-in-college international students at Howard University in Washington, D.C., for instance, aren't eligible for need-based aid until their second year. But they can still qualify for merit ... Tue, 19 Dec 2023 08:21:47 -0600 en-us text/html Breaking Barriers to Financial Success: The Power of Black Financial Literacy No result found, try new keyword!The Current State of Black Financial Literacy To manage your finances, a sound, effective, and thorough understanding of finance, which we ... Fri, 29 Dec 2023 00:50:41 -0600 en-us text/html Financial Aid & Scholarships

Once you decide to participate in a study abroad program, it's a good idea to visit the Financial Aid office as soon as possible.

Some study abroad programs cost about the same as semester at Wilkes with the exception transportation costs, visas (when applicable), and personal expenses. While your Wilkes scholarship may not be applied toward study abroad (except for exchange programs), you can use your state and federal grants and loans to cover your overseas expenses.

The Financial Aid office is not able to offer extra grants or scholarships to help cover the additional costs of study abroad programs. However, but they may be able to offer additional student or parent loans after making adjustments for costs associated with study abroad. For more information on how to apply your financial aid to study abroad contact the Financial Aid office.

At least three weeks before departure, double check with a Financial Aid officer to ensure that all of the necessary paperwork is in order.

There are a variety of scholarship opportunities to assist in your study abroad experience. Make sure to note any listed deadlines.

Wilkes University seeks candidates for the Bierly Fellowship, created to fund unique experiential learning opportunities for undergraduate students eager to perform quality work in their field of study outside of the campus community. 

Learn More about bierly fellowship

Established by Panos and Debi (Stephens) Kalaritis, the Dr. Joseph Donald Stephens DDS Global Scholars Program seeks to fund high impact study abroad experiences for three Wilkes University students. Awards are for $5000 per student.

Learn More about stephens scholarship

CIEE Global Access Initiative (GAIN) scholarship:

The CIEE Global Access Initiative (GAIN) is designed to help overcome the main barriers to study abroad, namely, challenges of cost and curriculum requirements. GAIN will aid in diversifying study abroad by providing opportunities for students who are economically challenged, from diverse backgrounds, or in underrepresented fields of study.

The Gilman International Scholarship

The Gilman Scholarship Program offers awards for undergraduate study abroad and was established by the International Academic Opportunity Act of 2000. This scholarship provides awards for U.S. undergraduate students who are receiving Federal Pell Grant funding at a two-year or four-year college or university to participate in study abroad programs worldwide. It is specifically for US citizens or Permanent Residents who are recipients of federal financial aid (Pell Grant).  The awards are $5,000 per semester or $3,000 for the summer. 

Boren scholarship:

Boren Scholarships provide up to $20,000 to U.S. undergraduate students to study abroad in areas of the world that are critical to U.S. interests and underrepresented in study abroad.

Freeman in Asia Scholarship

Freeman-ASIA accepts applications from U.S. citizens or permanent residents studying at the undergraduate level at a two-year or four-year college or university who demonstrate financial need to study abroad in East or Southeast Asia. A Freeman-ASIA award provides need-based funding to assist the recipient with the cost of the study abroad program and related expenses, including airfare, basic living costs, local transportation, books, etc. Interested students should apply to Freeman-ASIA in the academic term before their study abroad program begins. 

Applications must also be endorsed by both the study abroad adviser and the financial aid adviser by the specified deadline. This scholarship is for students on federal financial aid who wish to study in one of 15 Asian countries. See website for application and eligibility details.

Bridging Japan Scholarships

The Bridging Project offers scholarships to American undergraduate students participating in study-abroad programs in Japan. About 100 scholarships are awarded each year to assist students with the travel and living expenses they will incur while studying abroad in Japan for a semester or an academic year. Applications are accepted twice a year for Bridging Scholarships, fall and spring. The next application period will be for students studying in Japan beginning in Spring 2013; applications will be accepted until October 10, 2012

Rhodes Scholarship

This highly competitive scholarship is for study at Oxford University for up to two years. All expenses are covered. The deadline is October 12. See their website for details.


The FEA is committed to increasing the opportunities for dedicated American students to participate in high-quality, rigorous education abroad programs by reducing financial restrictions through the provision of grants and scholarships. Preference is given to students participating in programs that include studying the language of the host country (if not English) and/or a sustainable service-learning or volunteering component, programs in non-traditional destinations, and applicants who demonstrate financial need. FEA also strongly encourages students to apply who represent a group that is traditionally underrepresented in education abroad. Study Abroad Scholarships has partnered with several organizations to offer study abroad grants and scholarships. Scholarships are only available for students studying or interning abroad on programs offered by a Diversity Abroad member organization. Economically disadvantaged students, African-American, Asian-American, Hispanic/Latino and Native-American students are strongly encouraged to apply.

Turkish Coalition of America

TCA provides up to 100 scholarships per year for minority students. Must be full-time undergraduate or graduate student in good standing. Must be accepted to a language program or university study abroad program in Turkey, the Turkish Republic of Northern Cyprus, or Bosnia and Herzegovina. Applicants should be U.S. Citizens or permanent residents. 

Learn More About the TCA

Deutscher Akademischer Austauschdienst (DAAD)

They award scholarships and stipends to students interested in studying or conducting research in Germany.

Boren Scholarships 

Funded by the National Security Education Program (NSEP), Boren Scholarships are open to U.S. undergraduate degree-seeking students studying in world regions critical to U.S. interests and/or studying less commonly taught languages. Students studying abroad in Western Europe, Canada, Australia, and New Zealand are not eligible to apply. Fall, spring, summer (minimum eight weeks - science, technology, engineering, and mathematics students ONLY), academic year.

Bridging Scholarships

The Association of Teachers of Japanese Bridging Project offers scholarships to U.S. undergraduate degree-seeking students studying abroad in Japan. Fall, spring, academic year.

BUTEX Scholarship

BUTEX (British Universities Transatlantic Exchange Association) offers scholarships for students currently registered at an institution in the USA or Canada. To be eligible to apply you must have been offered a place as a study abroad or exchange student at a UK university which is a member of BUTEX for at least one semester. The value of each scholarship is £500 and will be paid to the recipients once they have arrived and registered at their host university.

Education New Zealand

Open to U.S. degree-seeking students studying abroad at a university in New Zealand.

National Society of Collegiate Scholars

Offers multiple types of scholarships to NSCS members, including specific scholarships for students studying abroad (Scholar Abroad Scholarship and Scholar at Sea Scholarship).

National Welsh American Foundation

The NWAF offers a scholarship provided through the Lloyd Family Travel Scholarship fund. Scholarship awards are up to $1,000 to cover travel to Wales and expenses incurred in undertaking studies related to Welsh American history and culture. Find information on the NWAF website, under "Funding Projects."

SR Education Group Study Abroad Scholarship

Open to U.S. degree-seeking students. No minimum requirements regarding the duration of travel. $2,000 awards.

St. Andrew's Society of Washington D.C. 

The St. Andrew Society of Washington D.C. awards the Donald Malcolm MacArthur Scholarship of $2,500 to an American student studying in Scotland. Students do not need to be a member of this society to apply, but must be a resident in the Mid-Atlantic region (District of Columbia, the States of Delaware, Maryland, New Jersey, North Carolina, West Virginia, and the Commonwealths of Pennsylvania and Virginia) and be of Scottish birth or descent. There are multiple chapters of the St. Andrew Society for those that do not reside in the Mid-Atlantic region. 

Killam Fellowships Program

The Killam Fellowships Program provides an opportunity for exceptional undergraduate students in the United States to spend either one semester or a full academic year as an exchange student in Canada. The award is $5,000 per semester.

Global Links/Australearn

GlobaLinks Learning Abroad provides numerous scholarships to students applying for one of their semester or year abroad programs. Students are required to fill out a full scholarship application for all GlobaLinks Learning Abroad specific scholarships by the required deadline to be eligible for award consideration.

The Education Abroad Network scholarships

The Education Abroad Network awards thousands of dollars each year in scholarships to participating students each year. In addition there are are scholarship opportunities available through several host universities and external organizations.

American Institute for Foreign Study Scholarships (AIFS)

This scholarship is for students who participate in one of AIFS programs abroad.

School for International Training (SIT) Scholarships

This scholarship is awarded to students who take part in a SIT program. SIT scholarships and grants are available for all terms of study: semester, summer, and academic year. Awards generally range from $500 to $5,000. SIT scholarships and grants are awarded on a first-come, first-served basis. SIT’s Financial Assessment form must be submitted to your home institution’s financial aid office before your SIT program’s admission dateline (see details on their website.

AACN PARTNERSHIP & STUDENT SCHOLARSHIP PROGRAM and the American Association of Colleges of Nursing (AACN) have enjoyed a successful partnership since 2005.

The National Italian American Foundation (NIAF) Annual Scholarship

Award amounts: $ 2,000-12,000.

Find Scholarships and Grants for Study Abroad. Search for scholarships by country or your field of study.

General Search Engine- Search by Major.

Study Abroad Scholarships

Provides a database with access to various study abroad financial aid websites.
Please look at specific scholarship offer for deadlines.

Fund for Education Abroad

Mission: FEA is committed to increasing the opportunities for dedicated American students to participate in high-quality, rigorous education abroad programs by reducing financial restrictions through the provision of grants and scholarships.

Global Studies Foundation

Designed to support foreign language training and other academic studies abroad, this grant provides supplemental funds for American students who already are studying abroad under the auspices of an official study abroad program conducted by an accredited academic institution.

Critical Language Scholarship Program 

The Critical Language Scholarship (CLS) Program offers fully funded intensive summer language institutes overseas in critical need foreign languages for U.S. citizen undergraduate, Master's and Ph.D students. Students of diverse disciplines and majors are encouraged to apply. The CLS Program does not have any government service requirement upon completion, however, it is expected that participants will continue to continue their language study beyond the scholarship period and later apply their critical language skills in their future academic and professional careers.

MIEA Scholarship

The Maryland 2000 Commission established a scholarship fund for MIEA to award to Maryland college students participating in study abroad programs. Applicants must be a U.S. Citizen, a resident of the State of Maryland, enrolled in a degree-seeking program at a Maryland institution of higher learning, hold at least a 3.2 cumulative GPA, and have completed at least 12 credits in his/her program. Scholarships are available for fall, spring, academic year and summer programs (minimum of 6 weeks in length). The average award level is approximately $500 - $1,000.

GO! Study Abroad Scholarship

GO! Overseas is proud to support international education through scholarships available to students participating in study abroad programs. Scholarships are awarded each year. The scholarship is awarded based on the creativity and analytical thinking displayed through writing samples and/or video submissions. The award for each scholarship is $500.

While you are away there may be additional documents that require your signature, such as checks, award letters, financial aid verification forms, and residence hall contracts. Power of attorney will give authority to another person - preferably a member of your immediate family - to sign documents on your behalf.

You may be expecting a refund check before you depart. If so, the University Business Office will need a letter from you to request that the check be mailed to an off-campus address. Make sure that your semester account is paid in full or that proper payment arrangements have been made. Any outstanding debt to the University may block future registration.

Students traveling during the spring semester must file their tax returns before departing the country if they choose to file. The Free Application for Federal Student Aid external website (FAFSA) must also be completed. Without a completed FAFSA, you cannot receive financial aid for the next school year. Wilkes University will begin awarding financial aid in Mid April.

Special Note: Students who in the past have received a dependency override must once again supply supporting documentation to a financial aid officer for approval before the FAFSA is submitted.

Your loan service may try to verify that you are a full-time student for the period you are abroad, whether you are registered at Wilkes or another outside institution. As a result, your loan agency will probably send you a letter requiring that you prove your full-time status. If you or your family receives such a letter, contact the Registrar's Office requesting that the loan agency be provided with proof of enrollment.

Fri, 14 Aug 2020 01:05:00 -0500 en text/html
New Year's resolutions: Tips for healthier personal finances in 2024 No result found, try new keyword!Half of Americans say they will make New Year's resolutions for saving more money. Here are some expert tips for getting there. Sat, 30 Dec 2023 23:03:32 -0600 en-us text/html What Is a Financial Planner? What They Do and How to Find One

What Is a Financial Planner?

A financial planner works with clients to help them manage their money and reach their long-term financial goals. They advise and assist clients on a variety of matters, from investing and saving for retirement to funding a college education or a new business while preserving wealth.

Financial planners must have a thorough knowledge of personal finance, taxes, budgeting, and investing. They may specialize in tax planning, asset allocation, risk management, retirement planning, or estate planning. Many financial planners draw their clients from a particular population, such as young professionals or retirees.

Key Takeaways

  • Financial planners work with individuals, families, and corporations to help them effectively manage their current money needs and long-term financial goals.
  • Some financial planners may hold the “CFP®” professional designation to establish their professional qualifications.
  • Financial planning includes help with budgeting, investing, saving for retirement, tax planning, and insurance coverage.
  • Some financial planners specialize but many offer overall services.

Understanding the Role of a Financial Planner

The Certified Financial Planner Board of Standards (CFP Board) describes financial planning as “a collaborative process that helps maximize a client’s potential for meeting life goals through financial advice that integrates relevant elements of the client’s personal and financial circumstances.”

Some financial planners specialize in one area such as retirement savings but many offer a holistic approach that considers the client’s overall well-being. They may address the financial implications of family, career, education, and physical health.

Financial Planners Are Fiduciaries

Financial planners are considered to be fiduciaries. They're legally bound to act in a client’s best interests and they can’t accept payments from any third parties when recommending specific financial products to their clients.

The titles used by financial planners can vary. Registered investment advisors (RIAs) are fiduciaries under the Investment Advisers Act of 1940. They advise high-net-worth individuals on investments. They're regulated by the U.S. Securities and Exchange Commission (SEC) or state securities regulators.

An effective financial planner must have sufficient education, training, and experience to recommend specific financial products to their clients. A practitioner may earn and carry one or more professional designations as evidence of these qualifications such as the certified financial planner title.

The CFP® Designation

The most commonly held professional designation is certified financial planner (CFP®). It's issued by the CFP Board, the nonprofit certifying and standards-setting organization that administers the CFP exam.

"Certified financial planner" is a formal credential of expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement. The designation is awarded to individuals who successfully complete the CFP® Board’s initial exams and then engage in ongoing annual education programs to maintain their skills and certification.

A CFP® may do much more than simply advise clients on available investments. They may assist their clients with budgeting, retirement planning, education savings, insurance coverage, or tax optimization strategies.

Fee-Based vs. Commission-Based Financial Planners

Financial advisors, including financial planners, generally fall into one of two categories. They're fee-based or commission-based.

Fee-based financial advisors charge a flat rate by the hour, by the project, or by assets under management (AUM). Their income comes primarily from fees paid by their clients but fee-based advisors may also earn income through commissions for selling certain financial products.

Fee-only advisors earn income only through fees paid by their clients.

Commission-Based Advisors

Commission-based financial advisors earn income by selling financial products and opening accounts on their clients’ behalves. The commissions are payments made by companies whose products and services are recommended by the advisor. Commission-based advisors can also earn money by opening accounts for clients.

Commission-based financial planners can have an incentive to direct clients to investment products from which they receive payment. Fee-only planners have no such temptation.

Choosing the Right Financial Planner

It’s a good idea to interview at least three financial planners so you can choose the one who's best for your needs. Be sure to get answers to these questions:

  • What are your credentials?
  • Can you provide references?
  • What (and how) do you charge?
  • What is your area of expertise?
  • Will you act as my fiduciary?
  • What services can I expect?
  • How will we settle disputes?

You can visit the CFP Board website to check the status of a CFP®.

What Do Financial Planners Do?

A financial planner helps clients manage their current money needs and reach their long-term financial goals. Their focus may be broad or narrow. Some help clients with many aspects of their financial lives, including savings, investments, insurance, retirement savings, college savings, taxes, and estate planning. Others have a narrow focus, such as retirement or estate planning.

Some financial planners sell investments, insurance, and other financial products. Others help their clients create an investing plan and let their clients make the specific decisions.

How Much Does a Financial Planner Charge?

A 2023 AdvisoryHQ study found that hourly rates for financial advisors typically range from $120 to $300. The per-project cost ranges from $275 to $4,500 or more, depending on the complexity of the job. College planning “package deals” average from $275 to $1,500. Comprehensive financial planning costs $2,000 to $4,500.

Commission-based financial planners earn money when their clients buy financial products that the advisor recommends. Fee-only financial planners don’t receive commissions for products sold. They charge by the hour, by the project, or by assets under management (AUM).

What Is the Difference Between a Financial Planner and a Financial Advisor?

Every financial planner is a financial advisor, but not every financial advisor is a financial planner. A financial planner helps individuals, families, and businesses create programs to reach their long-term financial goals. They may offer broad financial advice or specialize in an area such as investments, taxes, retirement, or estate planning.

“Financial advisor” is a broad term that refers to nearly any professional who advises people on their finances, including certified financial planners. They may help manage their clients’ money, manage investments, buy and sell stocks and funds on the client’s behalf, and help with estate and tax planning.

The Bottom Line

Financial planners aren’t just for the wealthy. They can help those of more modest means to figure out a way to fund their children’s college educations, to plan for retirement, or to make sure that their IRS bills are as manageable as possible. They can help you invest wisely if you have some money left over after seeing to these issues. Ask for recommendations then do due diligence and research into an individual’s qualifications before you sign on with them.

Mon, 09 Oct 2023 11:18:00 -0500 en text/html

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