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Exam Code: AngularJS Practice test 2023 by Killexams.com team
AngularJS
Financial AngularJS learner
Killexams : Financial AngularJS learner - 100% Guaranteed https://killexams.com/pass4sure/exam-detail/AngularJS Search results Killexams : Financial AngularJS learner - 100% Guaranteed https://killexams.com/pass4sure/exam-detail/AngularJS https://killexams.com/exam_list/Financial Killexams : The building blocks of financial literacy education Anagel “Jay” Ledesma © Provided by The Manila Times Anagel “Jay” Ledesma

First of 2 parts

"COLLEGE graduates spent 16 years gaining skills that will help them command higher salary, yet very little or no time is spent helping them save, invest and grow their money." (Vince Shorb, CEO of the National Financial Educators Council, USA)

In my last article, I wrote about the younger generations, Gen Ys and Zs, being more financially aware and conscious than we were at that age. How a good number of the youths today are more empowered to take control of their own finances. But at the same time, how majority of these generations still lack the proper financial education that can guide them through their lives.

When you ask these young people how they learned to manage their own money, most of them will say they learned it only when they started adulting. It was only when they started earning and spending their own money and making money decisions by themselves, did they learn about financial management. They were just learning to swim while already in the middle of the ocean. It was a case of sink or swim. There were some who learned and swam out of it successfully while many failed and drowned in their financial woes.

Sad to say, but most of the financial problems we are now experiencing were rooted in our ignorance of money matters growing up. If only we knew about money management early on, it would have been a different story for many. If only we were guided about it when we were young, many would have gone through it properly. If only the adults in our families modeled us the way, many would have avoided the warning signs. If only we learned the basics of financial management as we were learning the basics of writing and reading, many would have developed the right finance skills. If only...

But we now have the opportunity and the power to break this ignorance among our children, grandchildren and the generations to come. And because the world has changed and will continue to change dramatically, children today must be more financially educated. Managing money is no longer just a concern of, and therefore should only be handled by, adults. It is now considered an important life skill, which children should learn and develop early in life.

Financial literacy is all about teaching children the basics of money management, such as saving, budgeting, spending, giving and investing, among others. Knowing these ABCs sets the building blocks for our kids to develop strong money habits early on and avoid many of the mistakes that the earlier generations committed.

But like all other kinds of learning, financial education is a process which should start in our childhood and continues all the way to our retirement. Unfortunately, for most of us, the education came much later.

Starting our children early on would mean an active involvement of the two very important institutions, where children learn the most: the family and the school. Child development experts say that many of our financial habits are set by age 7, during which much of our exposure and influences come from our family. How can we as parents teach our children some key money lessons?

Involve your kids in money talk. Kids tend to be a lot more perceptive than we think. They observe and absorb what they see around them.

And because kids today have more access to information, they are more knowledgeable and can participate in informed discussions. Even when our children were much younger, they were already aware of where the main household income is coming from, why both of their parents have to work, why they cannot have or buy things even if we can, or how much we need to save for our next vacation, etc. If they see us making prudent decisions, and somehow involved in making those, then they're likely to imitate those behaviors later in life.

Teach them to save. No matter how small it is, our kids have to learn the value of savings, either to buy something they want or for rainy days.

Our kids had their own piggy banks where they put their savings from their allowance. We incentivized them by matching the amount they saved at the end of the year, which they then put in the bank. Later on, we transferred them to mutual funds where they see how their money grows. Up to now, both of them are making their own investments.

To be continued next Monday, February 27, 2023

Sun, 19 Feb 2023 02:01:00 -0600 en-PH text/html https://www.msn.com/en-ph/news/other/the-building-blocks-of-financial-literacy-education/ar-AA17GumQ
Killexams : Financial Planning

Yes, non-U.S. citizens are eligible for social security. Non-citizens must be in the country legally and have a Social Security number. As with citizens, retirement benefits are only available for workers with a minimum of 40 work credits, which take at least 10 years to accrue. Non-citizens with fewer than 40 credits may be able to count work outside the U.S. toward Social Security credits if their home country and the U.S. have a totalization agreement.

Tue, 14 Apr 2015 02:18:00 -0500 en text/html https://www.investopedia.com/financial-planning-4427750
Killexams : Does Your Financial Advisor Speak Crypto?

It’s pretty much impossible to avoid frequent headlines declaring that Bitcoin or some other new cryptocurrency is the gold standard of the new world of digital assets. Nobody wants to miss out on a gold rush, but Bitcoin isn't gold, and neither are its rival protocols such as Ethereum. However, just as with gold mining, crypto mining involves expending energy to acquire something that, depending on the coin's inflation schedule, may have finite availability.

As of Nov. 2023, there were more than 9,000 active cryptocurrencies. What may be surprising is that in a 2022 study done by Investopedia regarding financial literacy, 49% of adults, when asked how well they understood crypto, said they were "beginners." Where does this leave the individual who believes in the future of these crypto-assets but can't figure out how to invest in them? A modern advisor who is well-versed in crypto can help you make sense of this rather new landscape.

Key Takeaways

  • Most advisors are not well versed in crypto and are hesitant to recommend it to clients.
  • There is no industry standard for certification like there is with the CFP designation.
  • Despite crypto having a market cap in the trillions, many are wary of calling it an "investable asset," and consider it more gambling than an investment vehicle.
  • Almost half of American adults do not understand digital assets beyond a beginner level.
  • Past performance is no ensure of future results. This common saying should be on the mind of every crypto investor and advisor.

Is This Investing or Gambling?

That's the question people have been asking about futures trading since the Dojima Rice Exchange opened in Japan in 1710. There are many factors to consider and plenty of good articles to educate yourself about the technology behind cryptocurrencies. But who can advise you on whether to buy in? 

Don’t expect any crypto buy, hold, or sell recommendations from your financial advisor. Even among investment advisors who like alternative assets that tend to move independently of the S&P 500 Index, you'll be hard-pressed to find many willing to suggest putting a chunk of your portfolio into any of the cryptocurrencies. Most wealth managers are steering clear for two reasons, listed below.

Your Advisor Is Skeptical

First, because they mostly see this rush as just another new fad in the financial space that has to play itself out before there can be any real guidance.  Second, it is a space that has no clear regulators yet but does have some who hate all cryptocurrencies when sold to retail customers.

With so many cryptocurrencies and the game-like nature of obtaining them, plenty of individual investors want to jump in. But make no mistake: cryptocurrencies may be thrilling but putting your money in a new financial product without any real understanding of how it works really is gambling.

Your Advisor Is Trying to Protect You

Although an advisor may be deeply knowledgeable about crypto, the advisor can’tand won’tprovide any recommendations on whether to buy or sell any digital currency. The advisor is not alone in this way of thinking. The reason is that an advisor's job is not to sell transactions, but rather to manage their clients' money and their expectations.

Wanting to protect advisory clients, sometimes from themselves, the advisor screens out the noise in the market and steers them away from the many cryptocurrency scams that have cropped up. Just to put that in perspective, crypto scammers stole some $14 billion in 2021.

Advisors Are Hesitant to Recommend Crypto

One Boston-based financial advisor notes that when clients ask how they can invest in crypto, for example, it's often because they've heard how much money they could make. The problem with this way of thinking, the advisor explains, is that cryptocurrencies are so risky that investing in them right now is essentially gambling

A better way to think about cryptocurrencies is to focus on the technology behind them: the blockchain. The blockchain is more or less a distributed ledger. Bitcoin is the most well-known cryptocurrency because it was the first viable one and has the highest market cap.

Blockchain technology was originally developed with payment processing in mind, but in reality, there are a lot of truly solid potential uses for it. Some of the possibilities include digital identity, tokenization of data, data management, and secure audit trails.

Be sure to keep track of your cryptocurrency passwords. If you lose them or don't leave them to your heirs, no one can get at those millions you've mined.

Certified Financial Planners Board Cautious About Crypto Assets

As of Dec. 2023, advisors are free to talk to their clients about cryptocurrencies. However, the influential CFP Board of Standards did urge any Certified Financial Planners (CFP) considering offering advice on cryptocurrency-related assets to do so “with caution.”

In a Nov. 30, 2023 notice, which will have been closely read by CFPs and the wider financial advisor community, the entity responsible for overseeing professional standards stated that cryptocurrencies should be treated with greater scrutiny than more conventional financial assets as they “have particular attributes and present significant risks and uncertainties that warrant careful analysis.” Among other things, the CFP Board noted that cryptocurrency-related assets are generally:

  • Difficult to analyze
  • Hard to value
  • At risk of getting stolen and more susceptible to heavy losses
  • Speculative and volatile

The CFP Board mentioned that this update had been planned for a while and interestingly, alongside laying out the risks, chose to remind CFP professionals that they are not required or obligated in any way to provide financial advice about cryptocurrency-related assets. It’s likely that the CFP Board is aware that an increasing number of CFP professionals are asked by their clients about these types of investments and wanted to remind them to be extra careful before giving in to these requests.

In the end, this notice didn’t result in any rule changes for CFPs. However, it did offer some clarity on the risks of crypto assets and is likely to make financial advisors even more cautious about advising clients on these types of investments in the future.

What Your Financial Advisor Can Do

In an ideal world, you'd turn to your financial advisor, ask about adding some cryptocurrencies to your portfolio and discuss which ones and how much. In the real world, the vast majority of advisors don't even recognize them as an investable asset class. Therefore, many are not able to talk about them intelligently.

So where can you go for real advice about investing in Bitcoin, Ethereum, or any other cryptocurrency you're considering? You can always fall back on the less-than-5% rule, a simple guideline that dictates not putting more than 5% of your portfolio into any high-risk category. Even then, at this point, you'll have to get a little creative in your quest for crypto investments if you're working with most financial advisors. 

Different Ways to Get in This Market

There is more than one way to participate in cryptocurrencies, however, and not all of them involve actually buying the digital assets directly. Some knowledgeable advisors would rather take one of these indirect approaches instead of actually helping you own cryptocurrency. 

Your financial advisor might go for one or more of the following alternatives: 

Remember, like betting on a horse race, the amount of money you’re willing to risk on cryptocurrencies should be limited to the amount you can afford to lose. Of course, the high level of risk associated with crypto-assets doesn't automatically mean that they're gambling and not an investment. There are plenty of so-called "real" assets that come with loads of risk, as well. 

Still, if cryptocurrencies do take their place among conventional investments, then advisors will have to catch up with those who waded into the fray long before them.

Because of the mathematical limitations built into cryptocurrencies, it is very difficult for any person or government to inflate them.

How to Buy Crypto

If you've spent time studying blockchain technology and you want to invest in it for what it isand not as just another investable assetyou may have to do the heavy lifting and buy the cryptocurrency yourself. To do so, you need a digital wallet, such as a Bitcoin wallet, in which to store your cryptocurrencies securely. 

To convert any cryptocurrency into cash, look for an exchange that supports trading the currency you want to purchase, such as San Francisco-based Coinbase, one of the more well-known exchanges. This digital currency exchange allows you to buy and sell Bitcoin, Ethereum, and other crypto products in your local currency, called fiat currency.

President Biden issued an executive order in March 2023 requiring their regulation. Both the Commodity Futures Trading Commission and the Securities and Exchange Commission are looking at drafting rules. The President has suggested a new regulator be created.

Does Your Advisor Understand Crypto Exchanges? 

Not all digital exchanges support all cryptocurrencies and/or all fiat currencies (the technical term for dollars, euros, yen, and other currencies). Start with well-known names such as Coinbase, Kraken, or Gemini, and do your homework before investing any of your cash. However, even the best crypto exchanges are not entirely without a blemish. Examine each exchange's history of freezing and closing of accounts, outages, and its close ties with some traditional banking establishments.

To buy or sell cryptocurrencies, all you need to do is log into your account on the exchange you have selected, either in its mobile app or on its website. For maximum security, you may want to set up your own cryptocurrency wallet to hold the currency, rather than use one provided through the site. Before starting, you'll want to learn the safest ways to store your bitcoin and other cryptocurrencies.

What Is a Crypto Advisor?

A crypto advisor is an asset manager who understands the workings of cryptocurrency and the appropriate ways for investing in it. Professionals who stay abreast of the rapid developments in cryptocurrency and blockchain, crypto advisors may be registered as investment advisors, registered representatives, or hold a credential like the Certified Financial Planner or Chartered Financial Analyst.

How Do You Become a Professional Cryptocurrency Advisor?

There is currently no "official" way to be licensed as a Professional Cryptocurrency Advisor. However, most U.S. states are requiring that businesses retailing cryptocurrencies get licensed as a Money Transmitter Business. Crypto retailers fit this definition, though not tremendously comfortably, requiring the licensing gives the states and the Financial Crimes Enforcement Network (FinCEN) authority to take action against fraud and money laundering. Individuals are not required to get licensed to work at an MTB.

Why Might a Financial Advisor Recommend Cryptocurrency?

Cryptocurrencies are a good investment for those who believe in the future of digital currencies and for those who wish to protect themselves in the online financial arena. Cryptocurrencies are also relatively immune to political manipulation or inflation. Most have a cap enforced by mathematical algorithms, preventing dilution of value. Finally, of course, if you have spare assets with which you want to speculate, crypto is a great place to do it.

How Can You Find an Advisor Who Understands Crypto?

Some advisors will list crypto on their website, but there is always the chance they listed it strictly for marketing purposes. Feel free to ask them some probing questions about blockchain or Bitcoin and see if they are able to engage in intelligent discussion. Some advisors wishing to be well-versed in crypto might pursue the Certified Digital Asset Advisor designation.

The Bottom Line

The rhetoric in this article will likely be adjusted on an ongoing basis as the crypto landscape is still unfolding. New coins are added every day, and the once niche concept of blockchain is gaining real-world traction and government attention. New taxes are likely to come into play as the regulatory bodies gain more understanding of how to tax crypto. It is becoming ever more important for advisors to understand the asset class, yet many are hesitant to do so, and even more hesitant to recommend it. This makes finding an advisor well-versed in crypto difficult, but not impossible.

Wed, 02 Dec 2020 20:48:00 -0600 en text/html https://www.investopedia.com/news/does-your-financial-advisor-speak-crypto/
Killexams : Best Angularjs Development Companies in 2023

New Delhi (India), February 14: AngularJS is an open-source JavaScript Framework that is used for building dynamic and complex Web Applications. It was developed by Google in 2009 and has since become one of the most popular frameworks for Front-end Web Development.

Get Ahead with AngularJS: Understanding the Demand for this Dynamic Framework

AngularJS has become one of the most in-demand Front-end Web Development Frameworks in exact years, and there are many reasons why. The framework is highly versatile and enables developers to create complex, dynamic, and engaging web applications. With features such as two-way data binding, modular architecture, and built-in directives, AngularJS provides a comprehensive set of tools for building high-quality, scalable, and maintainable web applications.

The demand for AngularJS developers has risen significantly in exact years, and it shows no signs of slowing down. As more and more businesses and organizations seek to build dynamic and user-friendly web applications, the demand for developers with AngularJS expertise continues to grow. As businesses continue to look for cutting-edge technology to drive their digital growth, it’s important to find the right development partner to ensure success.

To help companies make the most informed decision, here’s a look at some of the leading AngularJS development companies for 2023:

  1. HireFullStackDeveloperIndia: HireFullStackDeveloperIndia is a reliable partner for your AngularJS Development needs. With a team of experienced developers, they specialize in creating efficient and secure modern web applications based on the AngularJS Framework. Their developers have a strong grasp of version control systems like Git and use development tools such as IDEs and developer consoles. Moreover, their developers have a solid understanding of software engineering principles, as well as expertise in database systems and the integration of third-party technologies. They offer full-time, hourly, or project-based engagements to meet your needs. With them, you can rest assured that your project is in safe hands.

    Found Year:- 2013 Company size:- 10 - 49 Location:- Ahmedabad, India

  2. WebClues Infotech: WebClues Infotech is a CMMI Level 5 certified AngularJS Development Company that brings together a team of highly skilled and experienced engineers. Their AngularJS Developers have a deep understanding of Web Development technologies such as HTML, CSS, JavaScript, Node.js, AJAX, and DOM manipulation. Their Development Team is fully trained in working with AngularJS projects and has the expertise necessary to create engaging web applications. They specialize in providing innovative solutions to a variety of businesses, from start-ups to enterprises, helping them to drive digital transformation. Their professional and experienced AngularJS Developers are the perfect choice for any business looking to create a successful web application.

    Found Year:- 2014 Company size:- 50 - 249 Location:- Ahmedabad, India

  3. AngularMinds: AngularMinds is a leading AngularJS development agency with over 8 years of experience in the field. Their team of expert developers is well-versed in AngularJS and specializes in creating custom web applications and Single-Page Applications (SPAs). They utilize the latest technologies, including Web Development, databases, third-party integrations, Git version control, and testing frameworks such as Jasmine and Karma, as well as task runners like Grunt and Gulp. Their developers work closely with clients to understand their requirements and deliver solutions that meet their needs. They are known for their attention to detail and their commitment to delivering exceptional customer service.

    Found Year:- 2011 Company size:- 50 - 249 Location:- Pune, India

  4. Brainvire: Brainvire is a renowned and professional AngularJS Development Company that has been providing custom web solutions for businesses for more than 10 years. Their Dedicated AngularJS Developers have a strong technical background in web development and software engineering, as well as a good understanding of browser compatibility, mobile development, and optimization techniques. Additionally, they have a deep understanding of the MVC (Model View Controller) pattern, enabling them to create custom directives and services. The company is committed to staying ahead of the curve, and they continuously update their skills and knowledge to provide their clients with the latest and most advanced web development solutions.

    Found Year:- 2000 Company size:- 1001-5000 Location:- Texas, USA

  5. Fueled: Fueled is a leading name in AngularJS Development, with a team of experienced engineers who specialize in creating powerful and engaging web applications. Their engineers follow best practices in software engineering to deliver high-quality, scalable, and secure web applications that meet the specific needs of their clients. They use AngularJS to build dynamic and interactive applications that are easy to use, fast, and efficient. If you're looking for a partner to help you build or update your web application, Fueled is a trusted choice. With their passion for delivering results and their commitment to excellence, Fueled's AngularJS Developers are the go-to choice for businesses looking for top-quality Web Development Services.

    Found Year:- 2007 Company size:- 50 - 249 Location:- Texas, USA

You can rest assured that these are some of the leading AngularJS Development Companies for 2023. With relevant experience in creating powerful web applications and innovative solutions for businesses of all sizes, these agencies offer the highest quality services for your projects.

Overall, AngularJS is set to remain a top choice for Web Development, with a focus on innovation, performance, and user experience. With its ability to handle complex applications and its focus on delivering value, AngularJS is poised to continue its growth and domination of the web development landscape.

Disclaimer: This article is a paid publication and does not have journalistic/editorial involvement of Hindustan Times. Hindustan Times does not endorse/subscribe to the content(s) of the article/advertisement and/or view(s) expressed herein. Hindustan Times shall not in any manner, be responsible and/or liable in any manner whatsoever for all that is stated in the article and/or also with regard to the view(s), opinion(s), announcement(s), declaration(s), affirmation(s) etc., stated/featured in the same.

Tue, 14 Feb 2023 04:33:00 -0600 en text/html https://www.hindustantimes.com/brand-stories/best-angularjs-development-companies-in-2023-101676372053311.html
Killexams : 3 Short-Term Financial Goals Worth Setting

Goodboy Picture Company / iStock.com

We’re not even two months into 2023, and if you didn’t make a New Year’s resolution about your finances, it isn’t too late. But, you wonder, where do you even start, given everything you hear about volatility in the stock market, inflation and the chance of a recession?

Tips: 10 Genius Things Dave Ramsey Says To Do With Your Money
See: With a Recession Looming, Make These 3 Retirement Moves To Stay On Track

By listening to what other Americans who face the same financial questions have to say on the subject, Fidelity Investments’ 2023 Financial Resolutions Study paints a good picture of just how your peers are approaching their finances this year.

The main focus for people right now is setting short-term goals, according to 53% of the 3,020 respondents to the study questions. Fidelity reports that this is a reversal of how people who planned to save money during the year typically answer whether long-term or short-term financial goals are more important. In 2010, for example, 59% of respondents said focusing on long-term goals was their biggest financial goal.

Planning for retirement, saving for college and mapping out a strategy for long-term care are long-term goals. But what short-term financial goals make sense given the economic climate of 2023? Read on to learn more.

2023 Behaviors Rooted in the Pandemic, Inflation

In 2020, when the pandemic struck and businesses and restaurants shut down or limited operations, 18 million people were temporarily laid off by April of that year, according to the U.S. Bureau of Labor Statistics. And since then, the financial focus for many Americans has shifted. For some, it’s been a shift toward making sure they could survive if their source of income went away. For others, namely the participants in what became known as the Great Resignation, it meant shifting jobs to prioritize health and family over work, according to an NPR report.

The Fidelity study says 2023 is expected to be “the year of living sensibly.” Respondents said inflation is dragging down Americans, with 37% indicating they had “significantly less money” in 2023. Among respondents, 43% said inflation and its impact on day-to-day expenses and their ability to save was their top worry for the year. After that, it was economic uncertainty/recession (39%), unexpected expenses (38%) and political uncertainty (25%).

Take Our Poll: What Are Your Financial Priorities in 2023?

Shift to Short-Term Financial Goals

Given that Americans are having a more difficult time seeing the long-term financial big picture, it makes sense to look at shorter-term goals. Here’s how people are planning for “the year of living sensibly,” as shown in the Fidelity study.

Build an Emergency Fund

The National Foundation for Credit Counseling recommends building an emergency fund that will take care of three to six months of living expenses in the case of an unexpected financial downturn. But when you’re living paycheck to paycheck, how do you even start such a fund?

Start small, the foundation recommends. Open a savings account dedicated just to emergency funds and ask your employer to divide your direct deposit between the two accounts. Even if you can only save a small amount of your earnings, it’s a starting point. If your take-home pay for each paycheck is $1,000, you might not notice $30 is gone from your budget if you decide to save 3%. If you do, a slight budget modification could take care of the shortfall.

You won’t save three months of expenses overnight but taking that first step is crucial. Also add any windfalls, such as a percentage of your tax refund or earnings from a side job you might take on.

Pay Down Debt

Those making financial resolutions hope to achieve “greater peace of mind” and “live a debt-free life” in 2023, per the study. Paying down credit card balances is a great starting point for both those goals.

That’s because your credit card debt is unsecured, unlike your mortgage or auto loan. And because it’s unsecured, the interest rate is higher — and growing even more with the Federal Reserve raising interest rates eight times in the past year. Forbes reported that the average credit card interest rate is now 23.77%, up from 20.4% in November 2023.

If you don’t have extra money to pay more than the minimum due, investigate the option of a 0% interest credit card that will allow you to transfer your balances and deliver you a specific amount of time to pay off the balance without any interest accruing. Discover, for instance, offers a card that carries no interest on purchases or balance transfers for the first 15 months.

Think Conservatively

The Fidelity study said 66% of respondents were considering a financial resolution this year, and more than one-third of Americans indicated they were worse off financially than a year ago. And that has led 39% of people to resolve to save more money, 32% to pay down debt and 28% to spend less money, Fidelity reported.

In the study, 75% of people responded positively that they intended to “proceed with caution” because of the “state of the world and economy.”

The Bottom Line

If you’re on the fence about making a financial resolution of a plan, deliver it a try. According to the Fidelity study, more than 80% of people said preparation with a plan helps them to better deal with unexpected financial issues. Plus, 73% of people who make a resolution believe they’ll be better off financially in 2024, compared to 49% of those who aren’t making a resolution.

Isn’t that what we all want?

More From GOBankingRates

This article originally appeared on GOBankingRates.com: 3 Short-Term Financial Goals Worth Setting

Fri, 17 Feb 2023 05:00:00 -0600 en-US text/html https://www.aol.com/finance/3-short-term-financial-goals-200018491.html
Killexams : 9 Best Financial Advisors of February 2023

Becoming a financial advisor can be a lucrative move — in 2019 the median annual salary for personal financial advisors was $87,850 — but what’s the process actually like? While there are technically no requirements to call yourself a financial advisor, some relevant education will help you reach your goal. Here’s how to become a personal financial advisor:

1. Earn a bachelor’s degree. While not always required, many personal financial advisor job postings list it as a desired qualification. It helps to have a degree in finance, economics or another related topic.

2. Gain experience. If possible, try to find an internship that will help you get some firsthand experience. Many advisory firms also offer on-the-job training for the first year a new advisor is working with them.

3. Get licensed and/or certified. Depending on the types of products you plan to sell or the specific field you’d like to work in, you may need to earn a license or certification. For example, if you plan on selling insurance, you’ll likely need to get licensed by a state board. Having a certification pertinent to your field can help you grow your reputation, gain more clients and earn a higher salary.

Sat, 14 Aug 2021 15:02:00 -0500 en text/html https://www.nerdwallet.com/best/investing/financial-advisors
Killexams : Do You Need Insurance With a Learner’s Permit?

If you have a learner's permit, you'll need car insurance — but not necessarily your own. Drivers who are learning the rules of the road can join their parents' policy. But drivers who can't or don't want to join their parents' policy still have options.

Every insurance company has different rules about when learners must be added to a policy, and many offer discounts to offset the high costs of insuring drivers with learner's permits.

How do insurers handle car insurance for learner's permit drivers?

Even with fewer driving privileges, learner's permit drivers must be insured. They're just as vulnerable to accidents and need the financial security insurance provides.

In most cases, learner's permit drivers are teens living with their parents. These young drivers are generally covered by their parents' policy when they receive their learner's permit and don't need to buy their own policy.

However, insurers take different approaches to young permit drivers. Policyholders may have to list every member of a household who has reached driving age on the policy. With other insurers, you won't need to do this until your young driver has a license.

For example, if a young driver in your household has a learner’s permit, Geico requires you to list the driver on your policy. As long as the young driver only has a permit, your policy premium will not increase. Once the young driver obtains a license, Geico will factor them into your policy rate.

Reach out to your insurer and see how they handle car insurance for permit drivers. Don't skip this step. If you don't properly list drivers as your insurer requires, then you may have to pay out of pocket for damage after a car accident.

The good news? Insurance companies usually don't increase rates until after a student driver receives their license. At that point, rates tend to significantly increase. But there are still ways to get cheap car insurance for teens.

Teen driver insurance costs

Out of every age group, teens are the most at risk for car accidents. That's especially true from ages 16 to 19, according to the Centers for Disease Control and Prevention.

Because teen drivers pose such a high risk, adding them to an insurance policy increases rates significantly. The cost of adding a 16-year-old driver to a six-month family policy can range from $1,293 to $4,831.

However, those rates may vary significantly based on the age and gender of the teen driver being added to the policy. Young male drivers are more likely to engage in risky behaviors and are more likely to be killed while driving than young women. This means a family's policy rates will likely increase more when adding a male teen driver than when adding a female teen driver.

Car insurance discounts for teen drivers

Many insurers offer discounts to help families manage the high costs of insuring their teen driver. Ask your insurer if these discounts are available to you:

  • Good grades: Have a high school or college GPA of 3.0 or higher? Insurers are often willing to reward you for your academic achievement.
  • Tracking devices: By using a telematics device to share your data with your insurance company, you can prove you're a safe driver worthy of a lower rate.
  • Driving classes: Your insurer may discount your premium if you take a driver's education course — but it depends on state law.
  • Living away from home: If you attend boarding school or college more than 100 miles away from your family's home and don't use the car for a significant chunk of the year, you may be able to get a reduced rate.
  • Paying up front: While most policyholders choose to divide their insurance into monthly payments, paying for an entire plan up front can reduce costs.

In addition to asking for discounts, families can also adopt other money-saving strategies. For instance, driving an inexpensive car can keep premium costs down because it costs less to repair or replace a cheaper car.

Parents and teens should also shop around for the best deal. While it's tempting for parents to default to their own insurer when adding their teen child to a policy, other companies may offer better rates and help families save. See this milestone as a chance to re-evaluate your options and choose the one that best suits your family's needs.

Can you get car insurance with a permit?

Adding permit drivers to a family policy might be the most common way for learners to get insurance, but it's not the only approach. You can buy a car insurance policy just with a learner's permit. Once you have that insurance policy in place, you can also purchase and register a car in most states — even if you are only 16 years old.

While this approach gives 16-year-olds a good deal of independence, that independence comes at a cost. A new driver at this age pays an average of $5,944 for a six-month plan if they purchase their own insurance. By contrast, a new driver added to their parents' policy may pay as little as $1,293 — a $4,651 difference.

The single best thing you can do to lower your expenses as a young driver is to stay on your parents' insurance policy.

However, not all learner drivers live with their parents. Many people learn how to drive much later in life and can't be added to a parent’s policy.

You still have options if you're in this situation. Permit drivers who live with a spouse or significant other can sometimes be covered under their plan. Be aware that married couples may receive better deals than unmarried couples, and unmarried couples may see their rates go up when a permit driver is added to the policy. Reach out to your insurance company and see which options are available to you and your partner.

If you are a permit driver who lives alone, you may find it difficult to find an insurer that will cover you until you get a license. Many national insurers do not offer insurance to first-time learner's permit drivers. Instead, contact smaller local insurance providers and explain your situation. You will likely pay more, but the situation is not without precedent.

For new drivers, getting a permit is an exciting time. Obtaining auto insurance coverage is a crucial first step to new levels of responsibility and freedom.

Thu, 03 Sep 2020 07:15:00 -0500 Nancy Ritter en text/html https://www.valuepenguin.com/car-insurance-learners-permit
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Our independently audited financial statements consistently show that out of every dollar spent, 85 cents goes directly toward helping children. We keep administrative costs low so that more funding goes to children’s programs.

In fiscal year 2021, 85% of all expenditures went to program services.

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Killexams : The Learning Network No result found, try new keyword!Teach and learn with The Times: Resources for bringing the world into your classroom TikTok dances, social media challenges, school dress codes — even “cringe” itself. By The Learning ... Thu, 16 Feb 2023 17:47:00 -0600 en text/html https://www.nytimes.com/section/learning Killexams : How A Money Coach Differs From A Financial Advisor, And Why You Should Consider Hiring One Woman working on finances © Damir Khabirov/Shutterstock Woman working on finances

With the rise of social media and influencer culture, you can find someone with expertise on any course with a swipe on your phone. Everything from workout advice to makeup tips to buying a car, there's an influencer, or two, or twenty, to follow. You can even get financial and investment advice from experts and influencers on social media -- like TikTok's financial cleanse trend -- and financial advice is something that a lot of people need.

A survey found that 57% of Americans were financially literate, meaning they had a basic understanding of things like budgeting, interest rates, retirement savings, and inflation, according to Annuity.org. That leaves a lot of people without the knowledge to be able to make smart money decisions. That isn't to say that all financially literate people make good choices with their cash, but the opportunity for success is there. In fact, states across the country are increasingly adding financial literacy classes to their high school curriculum.

Instead of returning to high school, you may want to brush up on or develop your financial literacy. And while you can just follow financial experts on TikTok or Instagram, if you want to get serious about understanding and feeling in control of your finances, you should look into working with a professional. However, not all financial professionals are the same. It's important to learn the difference between a money coach and a financial advisor and find out which one is the best fit for your financial situation.

A Money Coach Can Help You Become Financially Literate

Money coach helping a client © fizkes/Shutterstock Money coach helping a client

A money coach is someone to turn to for help with issues of day-to-day money management and meeting short-term goals with your cash. They can help make you financially literate and inspire you to think about your money differently. It may be time to hire a money coach if you're looking to do things like finally tackle your credit card debt, figure out how to build up an emergency fund, and understand different types of accounts, like credit versus debit or checking versus savings and how they can work for and against you. Other financial literacy Topics a money coach could help with include breaking down the differences between retirement account types -- 401K, Roth IRA, and traditional IRA -- and how to boost your credit score.

Just like a coach for an athlete, a money coach will deliver you tailored advice to your situation, support you as you start to make changes, and help hold you accountable. It's like having a life coach, but for your cash. They can help you better understand finances in general, as well as help adjust your relationship with your money. However, they can't make any decisions or changes for you. You'll have to take the advice and actually use it if you want to see changes.

A Financial Advisor Is For More Long-Term Money Strategies

Working with a financial advisor on documents © Rob Daly/Getty Images Working with a financial advisor on documents

It's important not to confuse a financial coach with a financial advisor. The coach may be able to deliver you a better knowledge base about things like investing and retirement, but as far as specific investments to make, that's the purview of a financial advisor. You can also think of the difference between them as short-term versus long-term, as financial advisors are the ones who will help with long-term goals when it comes to things like stock market investments, retirement, and estate planning.

A financial advisor is an umbrella term that covers those whose titles include broker, wealth manager, and certified financial planner -- each of which has its own specialties. Overall, a financial advisor will likely cost more than a money coach with either a flat fee or a percentage paid to them based on the amount of money they're managing for you. And depending on the financial advisor's specialty, there may be a required amount of money you have to invest with them to get their services.

So if you feel pretty solid with your financial literacy and have a chunk of money you'd like to make into more money, check into getting a financial advisor. If you want to get your day-to-day finances more under control, go for a money coach.

Read this next: Luxury Brands That Aren't Worth The Money

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