March 2023 FCBA Exam Dumps

Exam Code: FCBA Practice exam 2023 by Killexams.com team
FCBA BCS Foundation Certificate in Business Analysis

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Exam ID : FCBA
Exam Title : BCS Foundation Certificate in Business(R) Analysis (ISEB)
Questions : 40
Passing Marks : 26 (65%)
Duration : 60 min.
Exam Type : Multiple Choice

The format for the examination is a one hour multiple-choice examination consisting of 40 questions. The examination is closed book (no materials can be taken into the examination room). The pass mark is 26/40 (65%).

Take your first step on your business analysis career path by attaining a certification that employers around the world respect and value
Understand how to identify and evaluate options for improving your business
Develop skills and knowledge to support successful business change programmes within your organisation
Attain one of the four modules you need to gain the International Diploma in Business Analysis

- What is Business Analysis (2.5%)
- The Competencies of a Business Analyst (2.5%)
- Strategy Analysis (7.5%)
- The Business Analysis Process Model (5%)
- Investigation techniques (15%)
- Stakeholder Analysis and Management (10%)
- Modelling Business Processes (10%)
- Defining the solution (5%)
- Making a Business and Financial Case (10%)
- Establishing the Requirements (7.5%)
- Documenting and Managing Requirements (7.5%)
- Modelling Requirements (7.5%)
- Delivering the Requirements (5%)
- Delivering the Business Solution (5%)

Candidates should be able to demonstrate knowledge and understanding of business analysis principles and techniques. Key areas are:
 the role and competencies of a business analyst
 strategy analysis
 business system and business process modelling
 stakeholder analysis
 investigation and modelling techniques
 requirements engineering
 business case development
This certification provides a foundation for the range of specialist BCS modular certificates in the areas of Business Analysis, IS Consultancy and Business Change. The certification can also be used as the knowledge-based specialist module for the Diploma in Business Analysis. In addition, the certification provides foundation-level Business Analysis knowledge for certified in other disciplines, particularly Project Managers and System Developers.
The syllabus is based on the BCS publication Business Analysis, 3rd edition, and it is recommended that this text is studied by those preparing to take this examination. The headings listed in the syllabus relate to the relevant chapter headings, section headings and text included in this publication.

Syllabus
1. What is Business Analysis (2.5%)
1.1 The origins of business analysis
1.2 The development of business analysis
 The impact of outsourcing
 Competitive advantage of using IT
 Successful business change
 The importance of the business analyst
 Business analysts as internal consultants
1.3 The scope of business analysis work
 The range of analysis activities
 Strategic analysis and definition
 IT systems analysis
 Business analysis
1.4 Taking a holistic approach
1.5 The role and responsibilities of a business analyst
 Definition of the business analyst role
 Further aspects of the business analyst role 2. The Competencies of a Business Analyst (2.5%)
2.1 Personal qualities
2.2 Business knowledge
2.3 Professional techniques
2.4 The development of competencies
3. Strategy Analysis (7.5%)
3.1 The context for strategy
3.2 The definition of strategy (Johnson, Scholes and Whittington 2008)
3.3 Strategy development
3.4 External environment analysis
 PESTLE analysis
 Porters five forces model
3.5 Internal environment analysis
 MOST analysis
 Resource Audit
 Boston Box
3.6 SWOT analysis
3.7 Executing strategy
 The McKinsey 7-S model
 The Balanced Business Scorecard
 Critical Success Factors and Key Performance Indicators
4. The Business Analysis Process Model (5%)
4.1 An approach to problem-solving
4.2 Stages of the business analysis process model
 Investigate the situation
 Consider the perspectives
 Analyse the needs
 Evaluate the options
 Define the requirements
4.3 Objectives of the process model stages
4.4 Procedure for each process model stage
4.5 Techniques used within each process model stage
5. Investigation techniques (15%)
5.1 Interviews
 Advantages and disadvantages of interviewing
 Preparing for interviewing
 Conducting the interview
 Following up the interview
5.2 Observation
 Advantages and disadvantages of observation
 Formal observation
 Protocol analysis
 Shadowing
 Ethnographic studies
5.3 Workshops
 Advantages and disadvantages of workshops
 Preparing for the workshop
 Facilitating the workshop
 Techniques
 Following the workshop
5.4 Scenarios
 Advantages and disadvantages of scenarios
 Process for developing scenarios
 Documenting scenarios
5.5 Prototyping
 Advantages and disadvantages of prototyping
5.6 Quantitative approaches
 Surveys or Questionnaires
 Special Purpose Records
 Activity Sampling
 Document Analysis
5.7 Documenting the current situation
 Rich Pictures
 Mind Maps
6. Stakeholder Analysis and Management (10%)
6.1 Stakeholder categories and identification
 Customers
 Partners
 Suppliers
 Competitors
 Regulators
 Owners
 Employees
 Managers
6.2 Analysing stakeholders
 The Power/Interest Grid
6.3 Stakeholder management strategies
 No or low interest and no or low power (or influence)
 Some or high interest but no or low power (or influence)
 No or low to high interest but some power (or influence)
 No or low interest but high power (or influence)
 Some interest and high power (or influence)
 High interest and high power (or influence)
6.4 Managing stakeholders
 Stakeholder plan/assessment
6.5 Understanding stakeholder perspectives
 Soft Systems Methodology
 Analysing the perspectives
 CATWOE
6.6 Business activity models
 Creating a business activity model
 Types of activities – Plan, Enable, Do, Monitor, Control
 Developing a consensus model
7. Modelling Business Processes (10%)
7.1 Organisational context
 Functional view of an organisation
7.2 An alternative view of an organisation
7.3 The organisational view of business processes
7.4 Value propositions
7.5 Process models
 Business events
 Developing the business process model
7.6 Analysing the as-is process model
7.7 Improving business processes (to-be business process)
 Business rules
 Simplify the process
 Remove bottlenecks
 Change the sequence of tasks
 Redefine process boundary
 Automate the processing
 Redesign the process
8. Defining the solution (5%)
8.1 Gap analysis
 Identifying areas of concern
 Framework for gap analysis (elements of POPIT model)
 Formulating options
8.2 Introduction to Business Architecture
8.3 Definition of Business Architecture
8.4 Business Architecture techniques
 Definition of a capability model
 Definition of a value stream
9. Making a Business and Financial Case (10%)
9.1 The business case in the project lifecycle
9.2 Identifying options
9.3 Assessing project feasibility
 Business feasibility
 Technical feasibility
 Financial feasibility
9.4 Structure of a business case
 Contents of a business case
 Categories of costs and benefits
 Impact assessment
 Risk assessment
9.5 Investment appraisal
 Payback
 Discounted cash flow and Internal rate of return
10. Establishing the Requirements (7.5%)
10.1 A framework for requirements engineering
10.2 Actors in requirements engineering
 The business representatives
 The project team
10.3 Requirements elicitation
 Tacit and explicit knowledge
 Requirements elicitation techniques
10.4 Requirements analysis
 Requirements filters
 SMART requirements
10.5 Requirements validation
11. Documenting and Managing Requirements (7.5%)
11.1 The requirements document
 Structure
 Content of the requirements document
11.2 The requirements catalogue
 Types of requirements; general, technical, functional and non-functional
 Hierarchy of requirements
 Documenting a requirement
11.3 Managing requirements
 Elements of requirements management 12. Modelling Requirements (7.5%)
12.1 Modelling system functions
 Use case diagrams
12.2 Modelling system data
 Entity Relationship Diagrams
o Entities, attributes and relationships
o Types of relationships
 Class Models
o Objects and classes
o Attributes
o Associations
13. Delivering the Requirements (5%)
13.1 Delivering the solution
13.2 Context
13.3 Lifecycles
 The waterfall lifecycle
 The ‘V model lifecycle
 Incremental lifecycle
 Iterative systems development lifecycle
14. Delivering the Business Solution (5%)
14.1 BA role in the business change lifecycle
14.2 Design stage
 Information and Technology
o Design
o Development
o Testing
14.3 Implementation stage
 SARAH model
14.4 Realisation stage
 Contents of the benefits plan

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BCS Foundation Certificate in Business Analysis
ISEB Certificate information source
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Who is the Information Systems Development Certificate program for?

Companies of all sizes depend on information systems to manage their operations, production, communications, records, distribution, sales and customer interactions. Information systems often need to be developed and/or customized for the specific needs of the company or industry and with business goals in mind.

Drexel’s Post-Baccalaureate/Graduate Certificate in Information Systems Development is an interdisciplinary certificate program jointly offered by Drexel's LeBow College of Business and College of Computing & Informatics (CCI) that provides broad knowledge on analyzing, designing and deploying information systems.

This certificate is part of a suite of five Business Information Technology certificates that can be applied toward Drexel’s Master of Science in Business Information Technology (MSBIT), also offered through LeBow and CCI. Three certificates must be completed to receive the MS degree, including our required foundational Certificate in Information Technology & Management.

Fast Facts

Number of Courses	5 (15 quarter credits)
Combines with other certificates to create master’s degree	MS Business Information Technology
Time-to-completion	1 year
Format	On campus or online
Time Commitment	Full-time or part-time
Aid eligible	No
Tech experience required?	Yes – Bachelor’s degree in a technical discipline or in business
GRE/GMAT required?	No

Information Systems Development Curriculum

IMPORTANT NOTE: Drexel operates on the quarter, not semester, system, offering classes during four 10-week terms throughout the year. 

The courses in this certificate provide you with both technical and business skills and knowledge, and they cover business agility, database management, and the latest approaches to development of information systems and application software. 

The curriculum includes five required courses:

• INFO 540: Perspectives on Information Systems
• INFO 650: Database Management Systems 
• CT 630: Application Software Construction and Operation
• MIS 624: System Analysis & Design
• MIS 652: Business Agility and IT

Please visit Drexel’s Course Catalog for a full description of each required course for this program. You can also find a demo Plan of Study for the certificate.

Information Systems Development Admissions Requirements

• A completed application for the online format or on-campus format.
• A four-year bachelor's degree from a regionally accredited institution in the United States or an equivalent international institution.
• A GPA of 3.0 or higher, in a completed degree program, bachelor’s degree or above.
• Official final transcripts from ALL Colleges/Universities attended. Please note: For students who have attended an institution outside of the US, it is highly recommended to submit a NACES approved course-by-course transcript evaluation (i.e., WES) for expedited review of your application. This approved evaluation will take the place of the transcript requirement to complete your application.
• Graduate Management Admission Test (GMAT) and/or the Graduate Record Examination (GRE) Scores are not required.
• One letter of recommendation required, two suggested
• Essay/Statement of Purpose
• Current Resume.
• Students must have access to a computer that meets or exceeds CCI’s computer requirements
• Additional requirements for International Students.

Please visit our Graduate Admissions section for application deadlines.

Customize Your Education with Our Business Information Technology Certificates

CCI and LeBow also offer a suite of graduate certificates to allow students to customize their education. In addition to the Information Systems Development Certificate, we offer the following modular, stackable certificates in Business Information Technology:

Note: Students in the MSBIT will be required to complete the Information Technology & Management certificate in addition to two other certificates listed above.

Additional Information

For more information, please contact Amanda Tessler, College of Computing & Informatics’ graduate recruitment specialist, at cciinfo@drexel.edu or Stavrula Katsirmas, LeBow College of Business’ associate director of integrated student experience and retention, at sk697@drexel.edu. 

Thu, 27 May 2021 23:26:00 -0500 en text/html https://drexel.edu/cci/academics/certificate-programs/graduate-certificate-information-systems-development/

The Certificate in IT Management is a four course, affordable option for professionals who need to gain or upgrade their IT skills to meet current market demands focusing on the managerial aspects of information technology.

This program is suitable for students who would like to become IT Managers, IT Project Managers, IT Consultants, IT Strategists, Chief Information Officers (CIO), or Chief Technology Officers (CTO) among others.

You will be prepared to create IT strategies that support the business, innovate with IT, and manage projects, as well as develop and maintain the IT architecture and infrastructure of an organization.

APPLY ONLINE

Application Process

1. A completed application form and non-refundable application fee
2. Evidence of an interview with an admission counselor
3. Official transcripts showing a bachelor's degree from a regionally accredited U.S. institution. Normally, a grade point average of approximately 3.0 or higher in upper division undergraduate work is expected

Benefits

After completing the certificate program in IT Management, students will be able to:

• Understand the methods used to design and implement IT solutions in modern organizations
• Learn how to manage IT strategically in order to gain or sustain competitive advantage and business value
• Design the IT governance, architecture and infrastructure in modern organizations
• Learn about project management phases, knowledge areas, tools and techniques and their applications
• Strategically manage emergent technologies in modern organizations

Program Completion Time

The certificate can be completed in as little as six months, and is based on a sequence of four 3-unit graduate courses for a total of twelve credits. This requires enrollment for at least two terms, based on 11-week term schedules. The completion time does not account for any pre-requisite courses a student may need.

Admission Requirements

The program requires a background rooted in general business, computer programming and quantitative tools.

View Requirements

At a minimum, all students entering the program need to have completed the following courses which are pre-requisites into the program:

• At least one business course (e.g. Organizational Management, Organizational Behavior).
• Object Oriented Programming.
• Quantitative methods for business or Business statistics.

These courses are offered at Cal Lutheran (and are not part of the certificate program). Relevant work experience in the IT field will also be considered.

An undergraduate degree in information systems, business, computer science, engineering, math, physics, and other natural sciences or related fields is required for admission to the program. Students with other backgrounds will be considered based on their work experience and/or completion of pre-requisite courses as noted above.

International students (who have completed a degree outside of the US) need to submit English proficiency requirements such as Toefl of minimum 88 or IELTS or minimum 6.5.

 

Courses

The curriculum consists of four courses total. The following are required courses:

IT 508 Information Technology Management

This course introduces students to important concepts and techniques needed to understand and leverage information technology within an organizational context. Students will learn the fundamentals of design and implementation of information systems in the modern organization, business process improvement thorough the use of information technology, organizational data modeling, project management concepts, data governance mechanisms, technology-enabled change management among other topics.

IT 512 Project Management

This course introduces the elements and architecture of computer and data communication networks, demonstrates the fundamental principles of computer networking, and provides experience in the practical use of current networking technology. Students will also learn to make knowledgeable decisions pertaining to strategies and architectures for the deployment of telecommunication technologies in organizations.

*Students who successfully complete IT 512 would meet the educational hours required to sit for either CAPM or PMP exams based on PMI standards. These courses must be taken first in the certificate program.

Students will also choose any two of the electives below:

IT 509 Data Management

This is a required course that must be taken first in the certificate program. The course provides students with an introduction to the fundamental concepts, techniques and tools used in design, development and application of relational database technology in organizations. subjects include data modelling based on organizational requirements and data manipulation via structured query language tools.

IT 510 Software Planning and Development

This course uses structured software development methodologies to develop an understanding of the overall process of developing an information system starting with planning, analysis, design and implementation of the system. The course also exposes students to various graphic modeling processes such as data flow diagrams used in business process reengineering, design of user interfaces and system behaviors.

IT 511 Data Communication and Networking

This course introduces the elements and architecture of computer and data communication networks, demonstrates the fundamental principles of computer networking, and provides experience in the practical use of current networking technology. Students will also learn to make knowledgeable decisions pertaining to strategies and architectures for the deployment of telecommunication technologies in organizations.

IT 513 Information Security

The purpose of this course is to prepare students to recognize threats and vulnerabilities present in current information systems and how to plan for such risks. Students will have the opportunity to try real security and attack tools to understand how they work and how they might be used and counteracted.

IT 514 Distributed Systems

This course provides students an understanding of the principles on which the Internet and other distributed systems are based, their architecture, algorithms and design and how they meet the demands of contemporary distributed applications. The course addresses the skills needed to design and maintain software for distributed applications through subjects such as client/server software and N-tier architectures, middleware, Internet technologies, application development, system management, mobile and ubiquitous computing and distributed multimedia systems. Students will also learn the distributed systems infrastructure that supports Google both in terms of core search functionality and the increasing range of additional services offered by Google.

IT 520 IT Strategy and Business Value

This course explores strategic information technology management issues associated with doing business in digital times. It provides a framework to understand how information technology strategy aligns with business strategy and focuses on developing an understanding of the key information requirements for developing an information technology strategy and systems architecture. The course will focus on digital technology trends transforming how business is done, information management and architecture, e-business models and strategies, mobile commerce, social networking, engagement and social metrics and business process innovation.

IT 521 Healthcare Information Technologies

The current trend towards computerizing the healthcare industry through interoperable electronic health records (EHR) is creating very exciting opportunities for IT and business professionals in a diverse range of organizations including hospitals, IT firms (EHR vendors), government departments and health funds. This course is designed to introduce students to the various aspects of information management in healthcare organizations. At the same time, the course focuses on unintended consequences resulting from deployment of advanced technologies in the healthcare filed including user responses and usability considerations. Privacy and security laws in HIPAA will also be discussed.

IT 522 Enterprise Systems

Enterprise systems attempt to integrate all departments and functions across an organization onto a single computer system that can serve every department’s particular needs for up-to-date and accurate data. These systems dictate a standard data format across the entire organization, they are modular and multifunctional. This course examines various types of enterprise systems such as enterprise resource planning (ERP) systems, supply chain management systems (SCM), customer relationship management systems (CRM) and knowledge management systems (KM) that support and enhance business activities.

IT 523 IT Architecture and Infrastructure

The ability to respond dynamically to changing business requirements is paramount for IT infrastructure and operations (I&O) organizations. Virtualization, IT

modernization, and real-time infrastructure architecture are increasingly essential to this agility. This class will balance hands on interaction with infrastructure technologies and equipment as well as applications of technologies and services. Other subjects include enterprise architecture and governance, cloud computing, enterprise-wide efficiency, green computing.

IT 524 Emergent Technologies and Issues

This course provides students with a basic understanding of emerging technologies as they relate to innovation and information systems in organizations, and the management strategies required to understand, leverage, and benefit from these technologies. Students will identify current, real technologies that are emerging or about to emerge into the mainstream, investigate those technologies, and ones from accurate history, from a number of perspectives, to look at the impact of technologies on systems, business operations, and corporate and technology strategy. They will study the impact, benefits, and downsides of standards as they relate to information technology and delve into how those standards, and other factors, might affect the timing for implementation of emerging technologies in organizations.

IT 582 Special subjects (IT Management)

Special subjects courses vary and are used to introduce students to new subjects in the Information Technology field.

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Tuition & Fees

Fall 2023 - Summer 2023

Tuition	Alumni: $450 per credit Non-Alumni: $555 per credit
Technology Fee	$60 per term
Application Fee	$25 online $50 paper
Late Registration Fee for registration submitted after the add/drop deadline	$50
Late Transaction Fee for employer reimbursement applications received after the second week of the semester	$50
Transcript Fee	$5.00 minimum Additional fees may apply, refer to the Registrar's site

All fees are subject to change without notice. The University reserves the right to change, delete or add to this pricing schedule as deemed appropriate. Transcripts and diploma will not be released for any student who has an outstanding balance owed to Cal Lutheran.

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Use this graphic organizer to help students compare and contrast information from different sources of their choosing while researching a relevant topic. Guiding questions help students closely examine each source for credibility and reliability, and reflection questions on the second page get students to dig deeper into similarities and differences between types of sources. This worksheet provides essential practice evaluating sources for research, an important part of a middle school literacy curriculum.

For additional value, check out the accompanying Evaluating Sources for Research lesson plan.

Download Worksheet

Grade

Subject

View aligned standards

Fri, 04 Dec 2020 23:40:00 -0600 en text/html https://www.education.com/worksheet/article/compare-and-contrast-information-from-different-sources/

Who is the Information Technology & Management Certificate program for?

With technology driving almost every industry, and more and more professionals in the coming years will be needed to lead at the intersection of business, information technology and management. Drexel’s Post-Baccalaureate/Graduate Certificate in Information Technology & Management provides fundamental knowledge of the business applications, management and administration of information technology.

An interdisciplinary post-baccalaureate certificate program jointly offered by Drexel’s LeBow College of Business and the College of Computing & Informatics (CCI), the Information Technology & Management certificate is designed to provide students with the knowledge and skills to manage information technology successfully in an organizational environment.

This certificate is part of a suite of five Business Information Technology certificates that can be applied toward Drexel’s Master of Science in Business Information Technology (MSBIT), also offered through LeBow and CCI. Three certificates must be completed to receive the MS degree, including the required, foundational Certificate in Information Technology & Management.

Fast Facts

Number of Courses	5 (15 quarter credits)
Combines with other certificates to create Master’s degree	MS Business Information Technology
Time-to-completion	1 year
Format	On campus or online
Time Commitment	Full-time or part-time
Aid eligible	No
Tech experience required?	Yes – Bachelor’s degree in a technical discipline or in business
GRE/GMAT required?	No

Information Technology & Management Curriculum

IMPORTANT NOTE: Drexel operates on the quarter, not semester, system, offering classes during four 10-week terms throughout the year. 

In this certificate program, you willgain expertise in the contemporary digital environment, cloud technology, alignment of operations, risk assessment, and continuity planning. 

The curriculum is comprised of five required courses:

• CT 500 Introduction to the Digital Environment
• CT 600 Cloud Technology
• CT 610 Disaster Recovery, Continuity Planning and Digital Risk Assessment
• MIS 614 Aligning IT and Operations
• MIS 625 Management of IT Operations

Please visit Drexel’s Course Catalog for a full description of each required course for this program. You can also find a demo Plan of Study for the certificate.

Information Technology & Management Admissions Requirements

• A completed application for the online format or on-campus format.
• A four-year bachelor's degree from a regionally accredited institution in the United States or an equivalent international institution.
• A GPA of 3.0 or higher, in a completed degree program, bachelor’s degree or above.
• Official final transcripts from ALL Colleges/Universities attended. Please note: For students who have attended an institution outside of the US, it is highly recommended to submit a NACES approved course-by-course transcript evaluation (i.e., WES) for expedited review of your application. This approved evaluation will take the place of the transcript requirement to complete your application.
• Graduate Management Admission Test (GMAT) and/or the Graduate Record Examination (GRE) Scores are not required.
• One letter of recommendation required, two suggested
• Essay/Statement of Purpose
• Current Resume.
• Students must have access to a computer that meets or exceeds CCI’s computer requirements
• Additional requirements for International Students.

Please visit our Graduate Admissions section for application deadlines.

Customize Your Education with Our Business Information Technology Certificates

CCI and LeBow also offer a suite of graduate certificates to allow students to customize their education. In addition to the Information Technology and Management Certificate, we offer modular, stackable certificates in Business Information Technology in:

Note: Students in the MSBIT will be required to complete the Information Technology & Management certificate in addition to two other certificates listed above.

Additional Information

For more information, please contact Matt Lechtenberg, College of Computing & Informatics’ director of recruitment, at cciinfo@drexel.edu or Stavrula Katsirmas, LeBow College of Business’ associate director of integrated student experience and retention, at sk697@drexel.edu. 

Thu, 27 May 2021 23:26:00 -0500 en text/html https://drexel.edu/cci/academics/certificate-programs/graduate-certificate-information-technology-management/

What Is a Certificate of Insurance (COI)?

A certificate of insurance (COI) is a document issued by an insurance company or broker. The COI verifies the existence of an insurance policy and summarizes the key aspects and conditions of the policy. For example, a standard COI lists the policyholder’s name, the policy’s effective date, the type of coverage, policy limits, and other important details of the policy.

Without a COI, a company or contractor will have difficulty securing clients because they will likely not want to assume the risk of any costs that might be caused by the contractor or provider.

Key Takeaways

• A certificate of insurance (COI) is issued by an insurance company or broker and verifies the existence of an insurance policy.
• Small business owners and contractors typically require a COI that grants protection against liability for workplace accidents or injuries to conduct business.
• If you receive a COI from a business, check the policy coverage dates and the limits of the policy.

How Certificates of Insurance (COI) Work

Certificates of insurance (COIs) are used in situations where liability and significant losses are of concern and require a COI, which is in most business contexts. A certificate of insurance is used for proving insurance coverage.

Small business owners and contractors often have a COI that proves they have insurance that protects against liability for workplace accidents or injuries. When you purchase of liability insurance, the insurance company will usually provide an insurance certificate.

Without a COI, a business owner or contractor may have difficulty winning contracts. Because many companies and individuals hire contractors, the client wants to know that a business owner or contractor has liability insurance so that they will not assume any risk if the contractor is responsible for damage, injury, or substandard work.

A company that hires a contractor or another entity for services should obtain a copy of their COI and ensure that it is up to date.

Validating a Certificate of Insurance

Typically, a client will request a certificate directly from the insurance company rather than the business owner or contractor. The client should confirm that the name of the insured on the certificate is an exact match of the company or contractor they are considering.

Also, the client should check the policy coverage dates to ensure that the effective date of the policy is current. The client should secure a new certificate if the policy is set to expire before the contracted work is complete.

Details of a Certificate of Insurance

Certificates of insurance contain separate sections for different types of liability coverage listed as general, auto, umbrella, and workers’ compensation. The term “insured” refers to the policyholder, person, or company appearing on the certificate as being covered by the insurance.

In addition to coverage levels, the certificate includes the policyholder’s name, mailing address, and describes the operations that the insured performs. The address of the issuing insurance company is listed, along with contact information for the insurance agent or the insurance agency’s contact person. If several insurance companies are involved, all names and contact information are listed.

When a client requests a COI, they become a certificate holder. The client’s name and contact information appear in the bottom left-hand corner along with statements showing the insurer’s obligation to notify the client of policy cancellations.

The certificate briefly describes the insured’s policies and limits provided for each type of coverage. For example, the general liability section summarizes the six limits that the policy offers by category and indicates whether coverage applies per claim or per occurrence. Because state laws determine the benefits provided to injured workers, the workers’ compensation coverage will show no limit. However, an employer’s liability coverage limits should be listed.

How to Get a Certificate of Insurance

If you are requesting a COI from a contractor or business, they should either be able to retrieve it from their insurance company or provide you with their insurance company’s contact information, so you can ask for that proof to be sent to you directly. Be careful, however, if you ask your vendor to provide you with a COI. There have been documented cases of contractors submitting fraudulent COIs.

Who Needs a Certificate of Insurance (COI)?

Simply put, if you are hiring an independent contractor or business for their services on your property, you should require a certificate of insurance (COI). If you are a contractor or business, you should have a COI so you can prove to your clients that you are insured.

How Long is a Certificate of Insurance Good For?

Typically, a COI is good for five years. You should hold on to any COI you get indefinitely, since you do not know when a problem may arise for a job either carried out on your premises or that you completed for someone else. Keeping proof of the COI will help address any issues at that point.

When Should I Get a Certificate of Insurance?

You should ask for and receive a COI before anyone works on your home or property. If you have a written contract, it should contain insurance requirements, including coverage and limits required that are Verified with a COI.

The Bottom Line

You may need a Certificate of Insurance (COI) in a number of situations. Generally, a client will request a COI directly from your insurance company to confirm you have appropriate insurance coverage. If you are hiring a contractor, consider getting a COI from their insurance company, even if you have worked with them before because their coverage may have changed.

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Location is a fundamental attribute of all features. Professionals in a wide range of disciplines are utilizing GIS to collect, manage, and analyze geographic information for a deeper understanding of our world. In many careers, applied knowledge of geospatial technology has become a presumed prerequisite.

The University of North Georgia Certificate in Geographic Information Science is an upper division program that emphasizes theory while addressing real-world problems. Course material is tied closely to the geospatial industry. Participating students will gain valuable experience through internships, service projects, and research projects.

The certificate is designed to complement students who are pursuing or who already possess an associate degree or higher. Students will be prepared for entry-level positions as GIS technicians and/or transfer into competitive four-year degree programs. Courses in the GIS certificate may be applied toward the Bachelor of Science degree in environmental spatial analysis.

Geographic Information Science Certificate Courses (UNG Catalog) Geographic Information Science Certificate Degree Planner

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Wed, 05 May 2021 21:24:00 -0500 en text/html https://ung.edu/degrees/certificate/geographic-information-science.php

Do you want to pursue a high-level IT career? If so, the next best step for you could be our Information Systems Bridge Certificate.

So, how do you know specifically if our bridge certificate is for you? That’s easy. Are you looking to transition into the IT industry? Are you already in the industry, but want to gain more knowledge to enhance your career? Or maybe you just want to prepare yourself for our MS Management Information Systems online degree program. Whatever the case, this six-course program can get you primed for success. And by the time you finish, you’ll have a solid foundation in networking, computer programming, and database and systems analysis.

Concentrations

• This program doesn't have concentrations, but ask your advisor about courses that can help you meet your career goals.

Online Options Available

This program delivers most or all of the content online with the potential of a few on-campus meetings. Please check with the program director for any on-campus requirements before applying.

Mon, 15 Aug 2023 12:31:00 -0500 en-US text/html https://www.uab.edu/degrees/undergraduate/infosys-cert

Certificates of deposit (CDs) provide a way for consumers to make a little more interest on their savings than they can get by keeping their money in a standard savings account. The customer is promising not to withdraw the money for a specific period of time. The longer the time period, the higher the interest earned.

According to the IRS, if the interest earned during the tax year exceeds $10, you must report it on your tax return and pay taxes on it. This reduces your return on the investment, so it’s important to consider how CD interest is taxed in order to decide if placing your money in a CD is worth it.

Key Takeaways

• The IRS taxes CD interest earned during a tax year that exceeds $10.
• For CD terms longer than one year, you will have to pay taxes on interest earned each tax year during the CD term. 
• For CD terms one year or less, you will have to pay taxes on interest earned and received.
• Early-withdrawal penalties offset taxes owed on CD interest. 
• CDs may be placed in a tax deferred retirement account. In this case, taxes on earnings may be deferred until retirement or distributions.

How Does the IRS Tax Interest Earned on a CD?

Any interest exceeding $10 that is earned on a CD during the tax year is considered income, and the IRS will tax it as such on your tax return.

The banking institution holding your CD is required to send you a 1099-INT stating the amount of interest earned on the CD during the tax year. You will receive this document and pay taxes accordingly, even if you roll the principal of the CD into a new CD during the year.

In the event you don’t receive a 1099-INT from your banking institution but have records of earning more than $10 in interest on your CD, you still have to report it to the IRS on your tax return.

CDs With Terms of More Than One Year

If your CD has a term of more than one year, you will pay taxes on any interest earned in each year of the CD term. For example, if you have a three-year CD and you earn $15 in interest during the first year of the term, you will report $15 on your tax return as income. During the second year, if you earn another $15 in interest, you will again report $15 on your tax return as income and the same for the remaining year of the CD term. 

Exceptions to Paying Taxes on CD Interest

If the CD is placed in a tax-deferred 401(k) or individual retirement account (IRA), any interest earned on the CD may be exempt from paying taxes in the year it was earned. Instead, you will pay taxes on that money when it is withdrawn from the 401(k) or IRA after you retire.

Of course, this is provided your annual contribution to the retirement account remains below the contribution limits set by the IRS. For 2023, the IRA contribution limit per individual is $6,000; if you’re age 50 or older, the limit is $7,000. For 2023, the limit is $6,500; if you're age 50 or older, the limit is $7,500.

How Much Will I Pay in Taxes in CD Interest?

The amount of taxes you pay on earned CD interest varies based on your tax bracket as well as the dollar amount of your gain. To get an idea of how much you could pay in taxes, talk with a tax professional to evaluate your individual financial situation and provide a tax estimate.

When I Cash a CD, Is It Considered Income?

If your CD has a principal amount of $10,000 and earns $200 in interest at the time you cash it in, only the $200 in earned interest is considered income. You should receive a 1099-INT in the amount of $200 (box 1) from your banking institution.

Do Early-Withdrawal Penalties Affect How Much I Pay in Taxes for CD Interest?

If you withdraw the money from your CD before its maturity date, your bank will likely charge an early-withdrawal penalty. If it does, you can deduct the amount of the early withdrawal from your penalty, which would offset how much you pay in taxes on any earned interest.
For instance, if you earned $50 in interest (box 1 on your 1099-INT), you will pay taxes on that $50. However, if you pay an early-withdrawal penalty (box 2 of your 1099-INT), say $20, you can deduct that amount, leaving you to pay tax on $30 of income. 

The Bottom Line 

Simply put, yes, the IRS will tax all interest earned on your CD that exceeds $10. This will be due for each tax year in which the interest is earned. So if you have a three-year CD, you will pay taxes only on the interest earned during the current tax year. If the CD is placed in a 401(k) or IRA account, taxes will be deferred until distributions are taken from those accounts. 

Wed, 15 Feb 2023 13:51:00 -0600 en text/html https://www.investopedia.com/are-cds-tax-exempt-5271565

Why Do We Need a Death Certificate?

The IRS may disagree, but the death certificate is arguably the most important legal document in existence. It's the only legal proof that someone has died. The State uses it to stop social security payments, pensions and other benefits. Families use it to settle their affairs.

Since the reporting of death began in 1900, the information required on the death certificate has helped monitor and reflect how society is changing. Forty years ago, for example, at least two states, New Hampshire and Oklahoma didn't include ethnicity on their death certificates. In the 1970s, states began requiring information about whether an autopsy was performed. In 1987, HIV/AIDS was added as a new classification of disease. More recently, check boxes have appeared asking for information about graduate-level education, and whether a woman is pregnant at the time of death.

Is There One Standard Form?

Although states can offer their own variations, most comply with the U.S. Standard Death Certificate issued by the CDC's National Center for Health Statistics (NCHS). The agency last revised the form in 2003 and California, Idaho, New York City and State, and Montana, were the first to use it. Since then, 27 other states have followed suit and the CDC hopes that by 2013 all states will be using the form, which complies with the World Health Organization's International Classification of Diseases, helping to unify global health reporting.

What's the Most Important Part?

Beyond standard details such as age, race, gender, education, time and place of death, the most valuable documentation is cause and manner of death. It's also the most prone to error.

Health professionals commonly complain that if they see "cardiac arrest" written as the cause of death, it's often a catchall, meaning the physician couldn't determine the cause of death.

The CDC publishes a physician's handbook to help navigate the form.

In Part I, the certifier must describe the immediate cause of death -- the conditions and sequence of events that led up to the death. In Part II, they must also list the underlying causes of death over time. This can be something that happened in the hours before a person died, or be a condition revealed in the medical history from several years ago. And because there's often confusion and ambiguity, certifiers can use words like "probable" or "presumed" to qualify their decisions but they must always fill out the underlying causes.

Who Signs It?

According to the National Association of Medical Examiners about 20 percent of all death certificates are signed by a coroner or a medical examiner. Since autopsy rates have plummeted in hospitals, death investigators now perform the majority of the nation's autopsies, which remain a vital barometer for revealing causes that might otherwise have been missed. In 2007, the latest data available from the CDC, 201,000 autopsies were performed, accounting for just 8 percent of all deaths.

Others who can sign a death certificate include a primary physician, an attending physician, a non-attending physician, a medical examiner, a nurse practitioner, a forensic pathologist or a coroner, but it varies according to state law. In Texas, for example, a justice of the peace can sign. Typically, deaths have to be recorded with local health departments within 72 hours of the death, and to the state within five to seven days.

Where Does the Data Go?

Once information is recorded by a clerk at the State Vital Statistics office, it is purchased by the National Center for Health Statistics (NCHS) -- the division of the CDC responsible for compiling mortality data. The information is then used by a host of government agencies, as well as the private sector, to direct funding and future prevention policies.

The NCHS has been collecting mortality data since 1979, but Dr. Robert Anderson, head of the division, says the states are often slow to deliver. And sometimes the agency lacks the funds to pay for all the information a state can provide. Budget cuts in 1995 forced the CDC to stop collecting data on the number of autopsies being performed. Although the process began again 2003, it left an eight-year gap in vital records.

Getting a Death Certificate Changed

Other errors arise when an autopsy reveals that the original diagnosis on a death certificate was incorrect. This often happens when an autopsy has been requested because families, the courts, insurance companies or other interested parties are in dispute over how someone died. But getting that information amended on the death certificate, which is required by law, and reported back to the mortality division at the CDC can take months, sometimes years, and in some cases is never recorded as a matter of record.

The CDC is about to close its mortality file on all deaths in 2008, with around 4,000 cases still "pending investigation," because amendments did not arrive from the states in time. Once the CDC close the file, Anderson says, those "pending" cases go on the permanent record as "unknown."

Thu, 28 Feb 2013 00:00:00 -0600 en text/html https://www.pbs.org/wgbh/pages/frontline/post-mortem/things-to-know/death-certificates.html

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