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Exam Code: CPCM Practice test 2022 by Killexams.com team
CPCM Certified Professional Contracts Manager (CPCM) 2022

Exam : CPCM
Exam Name : Certified Professional Contracts Manager(R)
Questions : 150
Passing Scores : 70%
Duration : 1 hr 30 min.

The Contract Management Body of Knowledge and Leadership
 The Contract Management Framework
 Contract Management Body of Knowledge Overview
 CMBOK 1.1 Competence
 CMBOK 1.2 Character
 CMBOK 1.3 Collaboration
 CMBOK 1.4 Vision

Management I
 CMBOK 2.0 Management
 CMBOK 2.1 Business Management
 CMBOK 2.2 Financial Management

Management II
 CMBOK 2.3 Project Management
 CMBOK 2.4 Risk Management
 CMBOK 2.5 Supply Chain Management

Guiding Principles
 CMBOK 3.1 Skills and Roles
 CMBOK 3.2 Contract Principles
 CMBOK 3.3 Standards of Conduct
 CMBOK 3.4 Regulatory Compliance
 CMBOK 3.5 Situational Assessment
 CMBOK 3.6 Team Dynamics
 CMBOK 3.7 Communication and Documentation

Pre-Award
 CMBOK 4.1 Plan Solicitation
 CMBOK 4.2 Request Offers
 CMBOK 4.3 Plan Sales

Pre-Award and Award
 CMBOK 4.4 Prepare Offer
 CMBOK 5.1 Price or Cost Analysis
 CMBOK 5.2 Plan Negotiations
CPCM Online Preparatory Course

Award and Post-Award
 CMBOK 5.3 Select Source
 CMBOK 5.4 Manage Disagreements
 CMBOK 6.1 Administer Contract
 CMBOK 6.2 Ensure Quality

Post-Award
 CMBOK 6.3 Manage Subcontracts
 CMBOK 6.4 Manage Changes
 CMBOK 6.5 Close Out Contract

Learning
 CMBOK 7.1 Continuous Learning
 CMBOK 7.2 Individual Competence
 CMBOK 7.3 Organizational Capability

Certified Professional Contracts Manager (CPCM) 2022
Financial Professional test
Killexams : Financial Professional test - BingNews https://killexams.com/pass4sure/exam-detail/CPCM Search results Killexams : Financial Professional test - BingNews https://killexams.com/pass4sure/exam-detail/CPCM https://killexams.com/exam_list/Financial Killexams : Financial Advisors Put Their Practice to the Test with Envestnet's Intelligent Financial Life(TM) Advisor Practice Score

The MarketWatch News Department was not involved in the creation of this content.

Financial Advisors Put Their Practice to the Test with Envestnet's Intelligent Financial Life(TM) Advisor Practice Score

Oct 04, 2022 (PRNewswire via COMTEX) -- PR Newswire

BERWYN, Pa., Oct. 4, 2022

Industry-first interactive assessment shows high-scoring advisors significantly outperform low-scoring peers in total client assets managed

BERWYN, Pa., Oct. 4, 2022 /PRNewswire/ -- At a time when traditional financial planning has become table-stakes and clients increasingly seek holistic advice, Envestnet is helping financial advisors understand just how well they stack up. Through a partnership with the financial services research and advisory firm, Aite-Novarica Group; Envestnet has launched the industry's first financial advisor assessment - The Intelligent Financial Life Advisor Practice Score - evaluating to what degree an advisor is helping clients' achieve peace of mind and financial security regarding their ability to meet all their financial needs and goals. Critically, the assessment yields insights on how an advisor can deliver even greater value and achieve higher levels of client satisfaction to help them grow their practice.

The Intelligent Financial Life Advisor Practice Score interactive assessment can be viewed here.

"Our mission has always been to help advisors make sense of their clients' overall financial picture and empower them to take the advice they give--and their practice--to the next level," said Mary Ellen Dugan, Chief Marketing Officer for Envestnet. "This assessment provides advisors with a way to understand how well they're positioned to help clients navigate their complex financial lives - through their day-to-day and more long-term financial decisions. By expanding their planning approach, advisors can help clients feel more secure in their ability to meet current and future financial obligations."

The accompanying white paper, "Taking the Measure of Advice: The Intelligent Financial Life Advisor Practice Score and How it Benefits Advisors' Practices," analyzes a range of advisor behaviors and capabilities and uncovered five categories that are used to calculate the Advisor Practice Score:

  • Breadth of financial advice provided--Advisors who advise on a wide range of topics, including wealth transfer, tax planning, insurance planning, debt advisory, and cash-flow planning and budgeting, in addition to investing and retirement readiness, produced better outcomes for their clients than advisors whose advice was more narrowly focused.
  • Frequency of multi-goal financial plans--The creation and implementation of comprehensive or multi-goal financial plans for their clients produced better outcomes than advisors who didn't engage in formal plans, or who delivered plans to clients that addressed only one or two goals.
  • Addressing the emotional side of money--Advisors who helped clients understand how their attitudes and behaviors towards money affect their ability to reach their goals, and make these issues a standard part of their practice, produced better outcomes than their counterparts who didn't.
  • Engaging spouses and other family members--The inclusion of clients' spouses and other family members in meetings and conversations about financial goals tended to help advisors achieve better client outcomes.
  • Breadth of capabilities on platform--Even if advisors don't utilize the full range of technology capabilities available to them for crafting and implementing financial plans, just having them at their disposal was shown to help them Excellerate client outcomes.

For advisors, there is a high correlation between achieving a top Advisor Practice Score and managing more client assets. Advisors with a score of 80 or higher manage $443 million in client assets on average - representing 69% more assets then their counterparts who scored in the bottom quartile of the survey, with a score lower than 67.

Methodology

In Q4 2021, Aite-Novarica Group conducted an online study on behalf of Envestnet with 483 professional financial advisors to examine how financial advisors are helping their clients achieve a concept Envestnet developed called "The Intelligent Financial Life" - a unified ecosystem to connect every facet of investors' finances through data driven advice, solutions, intelligence and technology - and to quantify how advisors and their practices benefit from the delivery of this concept to their clients. The survey asked advisors detailed questions about their practice, the nature of their client base, and how they worked with clients. Through analysis of the survey data, Aite-Novarica Group made a quantitative assessment of the extent to which each advisor was delivering financial wellness to clients.

The data for the full sample has a 4-point margin of error at the 95% level of confidence; statistical tests of significance among segments were conducted at a 90% confidence level.

To learn more visit https://www.envestnet.com/intelligent-financial-life.

About Envestnet

Envestnet refers to the family of operating subsidiaries of the public holding company, Envestnet, Inc. (NYSE: ENV). Envestnet is Fully Vested(TM) in empowering advisors and financial service providers with innovative technology, solutions, and intelligence to help make financial wellness a reality for their clients through an intelligently connected financial life. More than 105,000 advisors and over 6,500 companies--including 16 of the 20 largest U.S. banks, 47 of the 50 largest wealth management and brokerage firms, over 500 of the largest RIAs, and hundreds of FinTech companies--leverage Envestnet technology and services that help drive better outcomes for enterprises, advisors, and their clients.

For more information, please visit www.envestnet.com, subscribe to our blog, and follow us on Twitter (@ENVintel) and LinkedIn.

Media Contact:
Dana Taormina
JConnelly for Envestnet
envestnetpr@jconnelly.com
(973) 647-4626

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Tue, 04 Oct 2022 00:28:00 -0500 en-US text/html https://www.marketwatch.com/press-release/financial-advisors-put-their-practice-to-the-test-with-envestnets-intelligent-financial-lifetm-advisor-practice-score-2022-10-04
Killexams : Massachusetts has a financial stress test for colleges. Students and advocates say it's not good enough.

Updated at 12:03 p.m. Sept. 6

After retiring from the military in 2020, Jeremy Standring wanted to expand the photography business he operated out of his South Hamilton garage. But the COVID-19 pandemic dried up his customer base. So the 43-year-old Coast Guard veteran thought he’d get ahead by enrolling at Bay State College to study digital marketing.

“I needed a way to market my business over the next two years, so that when the pandemic is over I can come back strong,” he said.

That plan didn't pan out. Standring said his marketing courses at Bay State were suddenly canceled because there weren't enough teachers. (The college's interim president said every student "has access to a full-time schedule" in their program.) The college was then put on probation by accreditors over the summer. And Standring said he got little help from a revolving door of employees at Bay State, a school that costs about $50,000 a year before financial aid.

"Every other email that I would get would be from a different academic or financial advisor,” he said. “They were going through those guys like [Fruit] Stripes gum."

While President Joe Biden's administration announced sweeping student debt cancellations for millions of borrowers, including thousands here in Massachusetts, the plan looks backward — not ahead. Student advocates worry federal and state education officials are still not doing enough to protect students like Standring from enrolling in financially unstable colleges.

They also say a bill Massachusetts Gov. Charlie Baker signed three years ago requiring colleges to be more transparent has done little to protect students and local communities from abrupt college closures and to restore public trust.

Eileen Connor, president of the Project on Predatory Student Lending, said what lawmakers call the "early warning" bill doesn’t live up to its nickname.

The law requires colleges to alert the state Board of Higher Education if it does not have enough funds required to operate for 18 months, according to Massachusetts Higher Education Commissioner Carlos Santiago. It also requires colleges to present a “closure plan” to the state that outlines how it would notify students and staff, as well as help students arrange transfers to other colleges. The state can review a college's finances prior to 18 months, but they are promised confidentiality, so consumers have no way of knowing a school’s viability.

Connor said state education officials should be able to sound the alarm about a college’s financial problems earlier, especially when institutions cost tens of thousands of dollars.

"It's going to save a lot of people a lot of heartache and wasted time and money," she said. "How many people are going to waste their time on things like GI Bill benefits — things that just can't be recouped — when the inevitable happens?"

State education officials counter that an earlier warning could hasten the demise of a college already on shaky footing.

"If you come out and say an institution is in trouble, it's going to be in greater trouble once it becomes public,” Santiago said. “What is of value to these students is to know that they can continue their education elsewhere without loss of time, without loss of credits."

Santiago leads the small team that monitors colleges' finances under the law. Since 2014, 26 colleges in Massachusetts have closed or merged. That includes Mount Ida College in Newton, where the sudden closure in 2018 left students and families scrambling.

Since the law passed, there have been no other abrupt closures like what occurred at Mount Ida. That’s proof that the legislation works, Santiago said.

"Students are certainly more protected now than they were before,” he said. “It's not going to work one hundred percent every time, but it's worked pretty well up until now."

Santiago would not disclose whether his team is monitoring Bay State College, citing the law's strict confidentiality provisions.

Here's what we do know about Bay State:

  • Over the past twelve years, its enrollment has plummeted from more than 1,200 students in 2010 to about 300 last spring.
  • Jeff Mason, interim president of Bay State, blames demographic shifts and the pandemic for the declines.

    “There was a decrease in enrollment that we suffered along with other schools, but then COVID occurred and we were as vulnerable as anybody," he said.

  • Five years ago, the college was bought by Ambow Education, a Chinese holding company. Since then, Ambow has absorbed millions of the college's expenses.
  • Asked where the college would be without that support, Mason said Ambo has been “just tremendous in its support for the college, both in terms of financial support but also in terms of giving us the logistical support and the autonomy to run the college as it should be run.”

    But the college has also faced allegations that it misled students about its academic programs. Two years after the sale, Bay State paid more than a million dollars to settle the false advertising claims filed by the Massachusetts attorney general’s office.

  • In 2020, Bay State received a pandemic-related federal loan totaling more than $1.4 million.
  • A year later, the Department of Higher Education approved a new master’s degree program in business analytics, which, Mason said, hasn’t launched yet.
  • This summer, Bay State's accreditor placed the college on probation over financial and staffing concerns. (The college is not among the schools placed on heightened cash monitoring by the U.S. Education Department.)

Mason said he is optimistic that the college is on the rebound, with incoming first-time student deposits up more than 40% over last year.

"This is the momentum of a ship moving through water,” Mason said. “At first, it was very slow to reach 25 knots, but then once it does reach 25 knots it's got a lot of momentum behind it."

For Coast Guard veteran Jeremy Standring, the effort to turn the ship around is coming too late.

He says Bay State didn't offer any classes in-person or online that he could take for his digital marketing program.

This spring, he got an email saying that because he failed to register for online summer classes he had been automatically dis-enrolled.

"They kicked me out,” he recalled. “They didn't enroll me in classes that they didn't [expletive] have and said 'bye.'"

GBH also spoke to ten other students and former faculty and staff at the college who did not want to be identified but cited problems and concerns similar to Standring's.

Bay State’s interim president Jeff Mason defends the quality of the college's academic program, calling it "very attractive."

This semester, Standring is going elsewhere. He has enrolled in a nonprofit online college based in Iowa. He says the Department of Veterans Affairs told him it will take at least six months to transfer his GI benefits.

In the end, he might end up with a tuition bill.

Correction: An earlier version of this story mischaracterized Jeremy Standring’s age. He’s 43.

Wed, 12 Oct 2022 17:00:00 -0500 en text/html https://www.wgbh.org/news/education/2022/09/06/massachusetts-has-a-financial-stress-test-for-colleges-students-and-advocates-say-its-not-good-enough
Killexams : Cevian slashes stake in Vodafone after calling for faster change, Financial Times reports

Oct 15 (Reuters) - Europe's largest activist investor Cevian Capital has slashed its stake in UK-based Vodafone as scepticism grows that the telecoms company will be able to reverse its sluggish performance, the Financial Times reported.

Cevian built a significant but undisclosed stake in Vodafone last year through shares and derivatives, becoming one of the ten largest shareholders, the report said, citing people familiar with the matter.

The investor was pushing Vodafone's management to simplify its international portfolio and sell poorly performing divisions, the report said. However, Cevian sold the vast majority of its stake by June, it added.

Vodafone and Cevian Capital did not immediately respond to requests for comment.

Earlier in January, the FT reported that another of Vodafone's biggest shareholders, Abrdn, supported Cevian's call for a restructuring.

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Reporting by Sneha Bhowmik in Bengaluru; Editing by Kirsten Donovan

Our Standards: The Thomson Reuters Trust Principles.

Fri, 14 Oct 2022 22:19:00 -0500 Reuters en text/html https://www.reuters.com/markets/deals/cevian-slashes-stake-vodafone-after-calling-faster-change-ft-2022-10-15/
Killexams : Bank of England says stress test shows UK counterparties 'resilient' No result found, try new keyword!"While the stress test was exploratory ... (ISSN 2515-9453), consisting of the Alliance News UK Professional and its family of financial newswires serving investors and their profession ... Thu, 13 Oct 2022 02:15:00 -0500 en-US text/html https://www.lse.co.uk/news/bank-of-england-says-stress-test-shows-uk-counterparties-resilient-7j5z8a1oq0jfgdh.html Killexams : N.Korean leader guided test-firing of long-range strategic cruise missiles -state media No result found, try new keyword!North Korean leader Kim Jong Un guided test-firing of long-range strategic cruise missiles on Wednesday, state media Korea Central News Agency reported on Thursday. The views and opinions expressed ... Wed, 12 Oct 2022 09:25:00 -0500 text/html https://www.nasdaq.com/articles/n.korean-leader-guided-test-firing-of-long-range-strategic-cruise-missiles-state-media Killexams : Aehr Test Systems: Shares Surge Following Guidance Reassurance, EPS Beat, More Upside Likely
Main microchip on the motherboard

sankai

The third-quarter earnings season kicks off next week with Pepsi (PEP) on Tuesday and some big banks reporting to wrap up a busy data week on Friday. In the middle will be reads on a few areas from the airlines, to the consumer, and to even the semiconductor industry. One small chip testing company reported a strong quarter late this week and reiterated its positive guidance.

Earnings Calendar Next 3 Weeks

Earnings Calendar Next 3 Weeks

Wall Street Horizon

According to CFRA Research, Aehr Test Systems (NASDAQ:AEHR) provides test systems for burning-in semiconductor devices in wafer level, singulated die, and packaged parts form worldwide.

The California-based $379 million market cap Semiconductor & Semiconductor Equipment industry company within the Information Technology sectors trades at a very high 50.8 trailing 12-month GAAP price-to-earnings ratio and does not pay a dividend, according to The Wall Street Journal.

The firm beat earnings estimates earlier this past Thursday night, and shares soared. Seeking Alpha reports that Aehr also crushed its Q1 revenue estimate of $10.67 million by more than $2 million. Boosting investors' confidence was a confirmation of guidance of $60 million to $70 million versus the consensus forecast of just $62 million. Aehr expects bookings to grow in its fiscal year 2023. While the firm’s forward operating earnings multiple is high near 27, sales are expected to rise by a whopping 81% in the coming year. On valuation, a price-to-sales ratio north of 6 seems high, but it has been more than cut in half from 2021 levels. A forward PEG ratio near 1.8, according to Koyfin Charts, looks good to me.

AEHR Stock Beats Q1 2023 EPS Forecast of $0.01 by $0.04

AEHR Beats Q1 2023 EPS Forecast of $0.01 by $0.04

CFRA Research

AEHR Historical Forward Price-to-Sales Ratio

AEHR Historical Forward Price-to-Sales Ratio

Koyfin Charts

Looking ahead, corporate event data provider Wall Street Horizon shows a shareholder meeting set to take place on Oct. 18 before the company speaks at the LD Micro 15th Annual Main Event Conference. So there could be some volatility before its Q2 2023 earnings date unconfirmed for Thursday, Jan. 5.

Corporate Event Calendar

Corporate Event Calendar

Wall Street Horizon

The Technical Take

AEHR is one of the few stocks with solid price action and upward momentum right now. The stock soared on Friday following a strong earnings beat and reiterated sales guidance. The stock appears to be breaking out from a bullish descending triangle formation which suggests a price objective to near $22, just below its highs from late last year to early 2022 in the $25 to $27 range.

Notice how the stock went through a basing pattern during much of the second quarter before breaking out above $9, then holding the upper $6s on a July retest when so many software and semiconductor stocks hit a temporary low. AEHR, however, put in a more robust bottom while other industry players have fallen to fresh 2022 lows.

Overall, I like the relative strength here and today’s bullish breakout. Long with a stop under $13 makes sense. Profits should be taken in the mid-$20s.

AEHR: Shares Lift Off Following A Strong Q3 Report

AEHR: Shares Lift Off Following A Strong Q3 Report

Stockcharts.com

The Bottom Line

Ahead of earnings season, one small chip-testing stock reported strong results this week. While trading at a high P/E, compared to its growth outlook, AEHR stock's valuation looks reasonable to me. What’s more impressive is the relative strength versus the market and its industry in the last three months. I expect shares to continue outperforming.

Fri, 07 Oct 2022 18:49:00 -0500 en text/html https://seekingalpha.com/article/4545407-aehr-test-systems-stock-surge-guidance-reassurance-eps-beat-upside-likely
Killexams : Worcester Warriors: Rugby’s owners test ‘pretty bloody hard to fail’, says RFU source On Thursday the Warriors were suspended from the Premiership (Photo: PA) © Provided by The i On Thursday the Warriors were suspended from the Premiership (Photo: PA)

How did Worcester Warriors get into this mess? And what are the lessons for the Rugby Football Union (RFU) as regulators, and Premiership Rugby as fellow shareholders of the club in England’s top division?

On Thursday the Warriors were suspended from the Premiership, which they joined in 2004 and have twice been promoted back to after relegation, for the rest of the season, and face a possible collapse as a professional entity (noting that a separate amateur club, Worcester RFC, also exists).

There is heartache and bitterness for the 200 or so full and part-time employees who are out a job, and for a fanbase averaging 7,000 at league matches last season.

There is a pile of debt including £15.3m of taxpayers’ money loaned to the club by DCMS, through Sport England, when the Warriors were being run by the now-former ownership of Jason Whittingham and Colin Goldring.

i has spoken to, among others, Richard Barham, a corporate lawyer with the firm Dentons who acted in the recent sale of Newcastle United FC, and for background to a member of the RFU’s legal and governance committee from the time Whittingham and Goldring were approved as owners.

Fit and proper persons

The RFU applies what is called a “reputability” test to new owners at clubs. By common consent, it is not hugely stringent – it is covered by two paragraphs in the RFU regulations, whereas in football the Premier League’s version covers five pages, and even then, for instance, the Saudi takeover at Newcastle was permitted.

The RFU stipulate new owners and managers “must have knowledge, experience and competence to run the club effectively (a subjective test) and be not disqualified as directors (an objective test)”. Their plan for financial sustainability “must be no worse than the current position, [with] the RFU Board being satisfied as to how any working capital will be financed, if the club is not to be self-sustaining”.

i understands Whittingham and Goldring came to Twickenham some time around late 2018, to be interrogated on their plan. Our RFU source says: “You’ve got to have a pretty bloody strong reason for turning people down and it’s not strong enough to say, ‘well, they’re footballers’.” An underlying sentiment is that the queue to invest in rugby is not a long one.

“The big issue,” Barham says, “is whether you should make the test subjective; that’s what a lot of people seem to want. But that will potentially put off a number of people from owning football clubs, and possibly rugby clubs.

“And it leaves it more open to challenge, if there’s a person you’ve just rejected [who] satisfies all the things there at the moment, but you just decided you just don’t like the cut of their jib.”

Our RFU source suggested the three years or so Whittingham and Goldring lasted as owners might be partial vindication of the initial test. And that auditors generally sign off on a business for the next 12 months.

Paul Bolton, the experienced former head of communications for the Warriors, told Planet Rugby this week: “[The] business plan… seemed to consist of: borrow as much of other people’s money as we can, spend it and then try to find another mug to lend us more.”

The owners say they took government furlough support “to keep every single staff member fully employed throughout the pandemic when many club’s and business’ [sic] were making redundancies”.

They added: “In doing so the club took on enormous debt like so many others but we felt it was the right thing to do.

“We are thankful to those supporters who turned up week in week out to support the club but sorry that there were not more, nor enough of you on a regular basis to help make the club financially viable despite the significant personal funds we put into the club.”

The SRA affair

In May this year a long-running case involving Goldring and money that went missing in an overseas purchase of luxury cars ended with the Solicitors Regulation Authority banning him from being a solicitor.

In the tribunal, Goldring was not charged with dishonesty, but he was said to have admitted a lack of integrity. This ruling was picked up in the media in early July. Goldring, who was also a director of Morecambe FC, subsequently failed the EFL’s fit and proper person test.

The RFU reputability test includes “any relevant bans”, but unlike the Premier League’s version it is not applied on an annual basis. Still the RFU might have moved to block Goldring’s continued involvement at Worcester.

Instead, they have stated the SRA ban was noted, but the greater priority was Worcester’s financial situation, with winding-up petitions from a player agency and HMRC in July and August.

Who checks the books?

RFU regulations demand clubs file accounts with their closest authority – so a junior club in Yorkshire to the county body, for instance, while a Premiership club deals with PRL.

However, many clubs do not comply, and anyway accounts are always out of date. Worcester had a wage bill greater than turnover in 2017. Since then, they received £13m cash from Premiership investors CVC, plus the government loan, and millions more in central revenues – and still went bust.

Other potential investors claim there is money to be made at the impressive Sixways stadium site. More widely, is there a financial crisis within English rugby? Bill Sweeney, the RFU chief executive has been heard to say not one club went bust during Covid.

However, if the definition is of a club being commercially viable without loans from third parties, it would be a different picture. West Hartlepool, Leeds, Rotherham, Richmond, London Scottish, London Welsh and now Worcester, and possibly Wasps and others yet to come, have crashed and burned to a greater or lesser extent on the altar of Premiership rugby.

Does that tell us the Premiership is a bad idea in itself? Or just a rollercoaster to be ridden while you can afford it?

Worcester’s PRL shareholding

In 2005, 13 clubs created P-shares in Premiership Rugby, as security on, and reward for, their owners’ investment. Some say it created a cartel – indeed, the late Worcester owner Cecil Duckworth once threatened to challenge it in court, until his club became part of the gang.

The Office of Fair Trading said at the time it wasn’t a cartel because other rugby clubs are free to set up an alternative Premiership if they want to. Maybe they should. Anyway, Worcester’s P-share probably now belongs to their administrators, Begbies Traynor. What they and the other 12 clubs decide to do with it will be fascinating.

Actual wrongdoing?

A network of companies created around Sixways, and transactions of parcels of land, have attracted extensive comment. Julie Palmer of Begbies Traynor says: “As administrators we have extensive powers to understand why this has happened.”

One question may be whether the Warriors were trading while technically insolvent, which could bring a ban on the club’s board being directors.

What next – an independent regulator?

The creation of P-shares was never aimed at the Premiership regulating itself – this remains the responsibility of the RFU and, above them, World Rugby.

This plus the congested season means there is often a tension between the English clubs and the England team. RFU central contracts for players or an RFU stake in clubs have been touted as ways to make it more harmonious.

Some would like the restoration of divisions or counties. The question this always prompts is: would the club owners walk away? Barham says: “I think there is going to be a regulator brought into football in the not too distant future.

“And you can see that role expanding to other sports as well. One of the things I think they would look at is having a more thorough corporate governance code for sport.

“If you look back over the last 20 years and 90-odd professional football clubs, it’s about three that have made money on a regular basis. Rugby might well be struggling to get to three. It’s a business that isn’t highly profitable – they do it for the love of the game. And you have potentially significant costs being paid out for head injuries.

“So a number of things are happening which are not particularly good for the sport. There is something to be said for the body – and I’m sure they’re looking at this anyway – to work out where they want to be in the next five or 10 years.”

On Worcester in particular, we need to ask: at which point was a wrong decision made, and who by? And what would have happened if a higher standard was applied to all the clubs in the league? Worcestershire county councillor Richard Udall has already written to Julian Knight MP, chair of the House of Commons’ DCMS select committee, requesting a full inquiry.

Thu, 06 Oct 2022 22:24:29 -0500 en-US text/html https://www.msn.com/en-us/sports/more-sports/worcester-warriors-rugbys-owners-test-pretty-bloody-hard-to-fail-says-rfu-source/ar-AA12HuKE
Killexams : 360NetWorth Announces Beta Test of "360TeleWealth" An advice on demand platform powered by Technology and Personal CFO's

The MarketWatch News Department was not involved in the creation of this content.

360NetWorth Announces Beta Test of "360TeleWealth" An advice on demand platform powered by Technology and Personal CFO's

Oct 05, 2022 (PRNewswire via COMTEX) -- PR Newswire

AUSTIN, Texas, Oct. 5, 2022

David Disraeli, President of 360NetWorth, Inc. in Austin Texas, announced the beta testing of a new financial advice on demand platform.

AUSTIN, Texas, Oct. 5, 2022 /PRNewswire-PRWeb/ -- David Disraeli, President of 360NetWorth, Inc. in Austin Texas, announced the beta testing of a new financial advice on demand platform.

Just like Tele-health has revolutionized healthcare, Tele-wealth will revolutionize financial services. Prior to services like Teladoc, patients were left to wait on hold for hours to speak to a nurse or be forced to go to an emergency room. With the advent of medical advice on demand, patients may get their issues resolved quickly, without paying for an office visit.

360TeleWealth is an employee benefit designed to provide on demand advice to all employees from the rank and file to the executive team. According to Mr. Disraeli, the solutions currently available are limited or biased. 360Teleweath provides users a "Financial GPS" system to navigate the financial world.

Employee wellness has become top of mind to HR professionals and business owners as benefit plans become more complex and talent pools consider company benefits more seriously than ever before.

"The less time employees spend worrying about their own financial situation, the more productive they will be," Disraeli says.

He goes on to say, if a company offers a financial coaching or similar service, the odds are the company is tied into their 401k provider. What if the employee needs help with a probate or mortgage question? What if the employee is confused about contributing to a 401k instead of paying off student loans?

Enter the Personal CFO. No software in the world can take the place of a highly trained, compassionate advisor. Like a corporate CFO, a personal CFO is concerned with the overall well being of the person, whether it is a tax, financial or legal problem. Typically, these types of services are provided by three separate professionals and out of reach financially to all but the top 5% of income earners. 360Networth, Inc. has created a financial ecosystem through a best of breed network of financial, tax, legal, real estate, insurance and mortgage professionals.

Companies who wish to participate in this beta test are invited to contact, Betsy Ross, director of business development.

David Disraeli, founder of 360NetWorth, Inc. is a 36-year financial services professional, author, speaker and podcaster. In addition to being a personal CFO, he is treasurer of a Cedar Park based charitable foundation and board member of Grass Roots Children's foundation that serves needy children in Uganda.

Media Contact

David Disraeli, 360NetWorth, Inc., (512) 464-1110, david@pcfo.net

SOURCE 360NetWorth, Inc.

COMTEX_415951628/2454/2022-10-05T05:00:04

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Tue, 04 Oct 2022 21:00:00 -0500 en-US text/html https://www.marketwatch.com/press-release/360networth-announces-beta-test-of-360telewealth-an-advice-on-demand-platform-powered-by-technology-and-personal-cfos-2022-10-05
Killexams : Australia, NZ dollars in holding pattern ahead of U.S. CPI test No result found, try new keyword!The Australian and New Zealand dollars were little changed on Thursday ahead of a key U.S. inflation report where a high reading could offer more impetus for the Federal Reserve to raise rates, which ... Wed, 12 Oct 2022 16:38:00 -0500 text/html https://www.nasdaq.com/articles/australia-nz-dollars-in-holding-pattern-ahead-of-u.s.-cpi-test Killexams : Financial Advisors Put Their Practice to the Test with Envestnet's Intelligent Financial Life™ Advisor Practice Score

Industry-first interactive assessment shows high-scoring advisors significantly outperform low-scoring peers in total client assets managed

BERWYN, Pa., Oct. 4, 2022 /PRNewswire/ -- At a time when traditional financial planning has become table-stakes and clients increasingly seek holistic advice, Envestnet is helping financial advisors understand just how well they stack up. Through a partnership with the financial services research and advisory firm, Aite-Novarica Group; Envestnet has launched the industry's first financial advisor assessment – The Intelligent Financial Life Advisor Practice Score –  evaluating to what degree an advisor is helping clients' achieve peace of mind and financial security regarding their ability to meet all their financial needs and goals. Critically, the assessment yields insights on how an advisor can deliver even greater value and achieve higher levels of client satisfaction to help them grow their practice.

Envestnet https://www.envestnet.com/ (PRNewsfoto/Envestnet, Inc.)

The Intelligent Financial Life Advisor Practice Score interactive assessment can be viewed here.

"Our mission has always been to help advisors make sense of their clients' overall financial picture and empower them to take the advice they give—and their practice—to the next level," said Mary Ellen Dugan, Chief Marketing Officer for Envestnet. "This assessment provides advisors with a way to understand how well they're positioned to help clients navigate their complex financial lives – through their day-to-day and more long-term financial decisions. By expanding their planning approach, advisors can help clients feel more secure in their ability to meet current and future financial obligations."

The accompanying white paper, "Taking the Measure of Advice: The Intelligent Financial Life Advisor Practice Score and How it Benefits Advisors' Practices," analyzes a range of advisor behaviors and capabilities and uncovered five categories that are used to calculate the Advisor Practice Score:

  • Breadth of financial advice provided—Advisors who advise on a wide range of topics, including wealth transfer, tax planning, insurance planning, debt advisory, and cash-flow planning and budgeting, in addition to investing and retirement readiness, produced better outcomes for their clients than advisors whose advice was more narrowly focused.

  • Frequency of multi-goal financial plans—The creation and implementation of comprehensive or multi-goal financial plans for their clients produced better outcomes than advisors who didn't engage in formal plans, or who delivered plans to clients that addressed only one or two goals.

  • Addressing the emotional side of money—Advisors who helped clients understand how their attitudes and behaviors towards money affect their ability to reach their goals, and make these issues a standard part of their practice, produced better outcomes than their counterparts who didn't.

  • Engaging spouses and other family members—The inclusion of clients' spouses and other family members in meetings and conversations about financial goals tended to help advisors achieve better client outcomes.

  • Breadth of capabilities on platform—Even if advisors don't utilize the full range of technology capabilities available to them for crafting and implementing financial plans, just having them at their disposal was shown to help them Excellerate client outcomes.

For advisors, there is a high correlation between achieving a top Advisor Practice Score and managing more client assets. Advisors with a score of 80 or higher manage $443 million in client assets on average – representing 69% more assets then their counterparts who scored in the bottom quartile of the survey, with a score lower than 67.

Methodology

In Q4 2021, Aite-Novarica Group conducted an online study on behalf of Envestnet with 483 professional financial advisors to examine how financial advisors are helping their clients achieve a concept Envestnet developed called "The Intelligent Financial Life" – a unified ecosystem to connect every facet of investors' finances through data driven advice, solutions, intelligence and technology – and to quantify how advisors and their practices benefit from the delivery of this concept to their clients. The survey asked advisors detailed questions about their practice, the nature of their client base, and how they worked with clients. Through analysis of the survey data, Aite-Novarica Group made a quantitative assessment of the extent to which each advisor was delivering financial wellness to clients.

The data for the full sample has a 4-point margin of error at the 95% level of confidence; statistical tests of significance among segments were conducted at a 90% confidence level.

To learn more visit https://www.envestnet.com/intelligent-financial-life.

About Envestnet

Envestnet refers to the family of operating subsidiaries of the public holding company, Envestnet, Inc. (NYSE: ENV). Envestnet is Fully Vested™ in empowering advisors and financial service providers with innovative technology, solutions, and intelligence to help make financial wellness a reality for their clients through an intelligently connected financial life.  More than 105,000 advisors and over 6,500 companies—including 16 of the 20 largest U.S. banks, 47 of the 50 largest wealth management and brokerage firms, over 500 of the largest RIAs, and hundreds of FinTech companies—leverage Envestnet technology and services that help drive better outcomes for enterprises, advisors, and their clients.

For more information, please visit www.envestnet.com, subscribe to our blog, and follow us on Twitter (@ENVintel) and LinkedIn.

Media Contact:
Dana Taormina
JConnelly for Envestnet
envestnetpr@jconnelly.com
(973) 647-4626

Cision

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SOURCE Envestnet, Inc.

Sun, 09 Oct 2022 06:21:00 -0500 en-US text/html https://www.yahoo.com/entertainment/financial-advisors-put-practice-test-122800061.html
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