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  • Database technology is crucial in multiple applications and computing tasks, and certifications help demonstrate job readiness and core competencies. 
  • Before pursuing a database platform certification, you should have a solid background in relational database management systems and the SQL language. 
  • Valuable certifications are typically tied to specific technology companies and their platforms, such as IBM, Microsoft, Oracle and SAP.
  • This article is for IT professionals considering database certifications to further their careers. 

While database platforms have come and gone through the decades, database technology is still critical for multiple applications and computing tasks. IT professionals often seek database certifications to demonstrate their knowledge and expertise as they navigate their career paths and pursue professional growth. 

While database certifications may not be as bleeding edge as Google cloud certifications, cybersecurity certifications, storage certifications or digital forensics certifications, database professionals at all levels possess in-demand career skills — and a plethora of database-related jobs are waiting to be filled.

We’ll look at some of the most in-demand certifications for database administrators, database developers and anyone else who works with databases.

What to know about database roles and certifications

To get a better grasp of available database certifications, it’s helpful to group these certs around job responsibilities. This reflects the maturity of database technology and its integration into most aspects of commercial, scientific and academic computing. As you read about the various database certification programs, keep these job roles in mind: 

  • Database administrator (DBA). A DBA is responsible for installing, configuring and maintaining a database management system (DBMS). The job is often tied to a specific platform, such as Oracle, MySQL, DB2 or SQL Server.
  • Database developer. A database developer works with generic and proprietary application programming interfaces (APIs) to build applications that interact with a DBMS. Like DBA roles, database developer positions are also often platform-specific.
  • Database designer or database architect. A database designer or architect researches data requirements for specific applications or users and designs database structures and application capabilities to match.
  • Data analyst or data scientist. A data analyst or scientist is responsible for analyzing data from multiple disparate sources to discover previously hidden insights, determine the meaning behind data, and make business-specific recommendations.
  • Data mining or business intelligence (BI) specialist. A data mining or BI specialist focuses on dissecting, analyzing and reporting important data streams, such as customer, supply chain and transaction data and histories.
  • Data warehousing specialist. A data warehousing specialist assembles and analyzes data from multiple operational systems (such as orders, transactions, supply chain information and customer data) to establish data history, analyze trends, generate reports and forecasts, and support general ad hoc queries. 

These database job roles highlight two critical issues to consider if you want to be a database professional:

  1. You need a solid general background. First, a background in relational database management systems, including an understanding of Structured Query Language (SQL), is a fundamental prerequisite for database professionals of all stripes. 
  2. There’s a focus on proprietary technologies. Second, although various efforts to standardize database technology exist, much of the whiz-bang capability that databases and database applications deliver comes from proprietary, vendor-specific technologies. Serious, heavy-duty database skills and knowledge are tied to specific platforms, including various Oracle products (such as the open-source MySQL environment and Oracle itself,) Microsoft SQL Server and IBM DB2. Most of these certifications relate directly to those enormously popular platforms. 

Did you know?Did you know? NoSQL databases — called “not only SQL” or “non-relational” databases — are increasingly used in big data applications associated with some of the best big data certifications for data scientists, data mining and warehousing, and business intelligence.

Best database certifications

Here are details on our five best database certification picks for 2022.

1. IBM Certified Database Administrator — DB2 12

IBM is one of the leaders in the worldwide database market by any objective measure. The company’s database portfolio includes industry-standard DB2, as well as the following:

  • IBM Compose
  • Information Management System (IMS)
  • Informix
  • Cloudant
  • IBM Open Platform with Apache Hadoop

IBM also has a long-standing and well-populated IT certification program that has been around for more than 30 years and encompasses hundreds of individual credentials. 

After redesigning its certification programs and categories, IBM now has a primary data-centric certification category called IBM Data and AI. It includes a range of database credentials: 

  • Database Associate
  • Database Administrator
  • System Administrator
  • Application Developer 

IBM’s is a big and complex certification space, but one where particular platform allegiances are likely to guide readers toward the handful of items most relevant to their interests and needs. 

Database professionals who support DB2 (or aspire to) on IBM’s z/OS should check out the IBM Associate Certified DBA — Db2 12 certification. It’s an entry-level exam that addresses routine planning, working with SQL and XML, security, operations, data concurrency, application design, and concepts around database objects.

This certification requires candidates to pass one exam. Pre-exam training and familiarity with concepts, or hands-on experience, are recommended but not required. 

IBM Certified Database Administrator — DB2 facts and figures

Certification name

IBM Certified Database Administrator — Db2 12 (z/OS)

Prerequisites and required courses

None required; recommended courses are available.

Number of exams

One: C1000-122: Db2 12 for z/OS DBA Fundamentals (63 questions, 90 minutes)

Cost per exam

$200 (or local currency equivalent) per exam. Sign up for exams at Pearson VUE.

URL

https://www.ibm.com/training/certification/C8003803

Self-study materials

The certification page includes self-study materials, including a study guide and a learning path. 

Did you know? IBM’s certification offerings are among the best system administrator certifications IT professionals can achieve.

2. Microsoft Azure

Microsoft Azure offers a broad range of tools and add-ons for business intelligence. Azure is a cloud computing platform for application management and Microsoft-managed data centers. Microsoft certifications include various Azure offerings based on job role and experience level.

Microsoft’s certification program is role-centric, centered on the skills you need to succeed in specific technology jobs. Because Azure has such a broad scope, Azure certifications span multiple job roles. However, specific certifications exist for the following positions:

  • Data Analysts
  • Data Engineers
  • Data Scientists
  • Database Administrators 

There are also certifications for learners at different experience levels. 

For those looking to take their Azure knowledge to the next level, the Microsoft Certified: Azure Data Fundamentals certification is the perfect place to start. This certification is for beginner database administrators interested in using Azure and mastering data in the cloud. It offers foundational knowledge of core concepts while reinforcing concepts for later use in other Azure role-based certifications, such as those listed below: 

  • Azure Database Administrator Associate
  • Azure Data Engineer Associate
  • Data Analyst Associate 

Azure Data Fundamentals certification facts and figures

Certification name

Microsoft Certified: Azure Data Fundamentals

Prerequisites and required courses 

This certification does not have any prerequisites. However, for absolute beginners, Microsoft offers an Azure Fundamentals certification. 

Number of exams

One exam, DP-900, which is administered via Pearson VUE or Certiport.

Cost per exam

The exam costs $99 in the United States, though the cost changes based on where it is proctored. 

URL

https://learn.microsoft.com/en-us/certifications/exams/dp-900

Self-study materials

Microsoft offers one of the world’s largest and best-known IT certification programs, so the exam is well supported with books, study guides, study groups, practice exams and other materials. Microsoft also offers a free online learning path.

3. Oracle Certified Professional, MySQL 5.7 Database Administrator 

Oracle runs its certifications under the auspices of Oracle University. The Oracle Database Certifications page lists separate tracks depending on job role and product. MySQL is perhaps the leading open-source relational database management system (RDBMS). Since acquiring Sun Microsystems in 2010 (which had previously acquired MySQL AB), Oracle has rolled out a paid version of MySQL and developed certifications to support the product. 

If you’re interested in pursuing an Oracle MySQL certification, you can choose between MySQL Database Administration and MySQL Developer. 

The Oracle Certified Professional, MySQL 5.7 Database Administrator (OCP) credential recognizes professionals who can accomplish the following tasks:

  • Install, optimize and monitor MySQL Server.
  • Configure replication.
  • Apply security.
  • Schedule and validate database backups. 

The certification requires candidates to pass a single exam (the same exam can be taken to upgrade a prior certification). Oracle recommends training and on-the-job experience before taking the exam.

Oracle Certified Professional, MySQL 5.7 Database Administrator facts and figures

Did you know? According to Oracle, approximately 1.8 million Oracle Certified professionals globally hold certifications to advance their networking careers and professions to validate their IT expertise. 

4. Oracle Database SQL Certified Associate Certification

For individuals interested in working in the Oracle environment who have the necessary experience to become a database administrator, Oracle’s Database SQL Certified Associate Certification is another top Oracle certification and an excellent starting point. This exam encompasses an understanding of fundamental SQL concepts that individuals must grasp for database projects. 

By earning the certification, individuals demonstrate that they have a range of knowledge in core SQL concepts:

  • Familiarity with queries, data modeling, and normalization
  • Strong base understanding of the underlying SQL language
  • An ability to create and manipulate Oracle Database tables 

This certification also requires candidates to pass a single exam. While Oracle does not specify any prerequisites, the company does state candidates should have familiarity working with the command line. 

Oracle Database SQL Certified Associate Certification facts and figures

5. SAP HANA: SAP Certified Technology Associate — SAP HANA 2.0 SPS05

SAP SE has an extensive portfolio of business applications and analytics software, including cloud infrastructure, applications and storage. The SAP HANA platform’s foundation is an enterprise-grade relational database management system that can be run as an appliance on-premises or in the cloud. The cloud platform lets customers build and run applications and services based on SAP HANA. 

SAP offers a comprehensive certification program built to support its various platforms and products. We’re featuring the SAP Certified Technology Associate — SAP HANA cert because it aligns closely with other certifications we’ve highlighted and is in high demand among employers, according to job board surveys. 

This certification ensures database professionals can install, manage, monitor, migrate and troubleshoot SAP HANA systems. It covers the following skills:

  • Managing users and authorizations
  • Applying security
  • Ensuring high availability 
  • Effective disaster-recovery techniques 

SAP recommends that certification candidates get hands-on practice through formal training or on-the-job experience before attempting this exam. The SAP Learning Hub is a subscription service that gives certification candidates access to a library of learning materials, including e-learning courses and course handbooks. 

The annual subscription rate for individual users on the Professional certification track is $2,760. This online training program is designed for those who run, support, or implement SAP software solutions. Though this may seem like a steep price for online training, you will likely be able to pass any SAP certification exams you put your mind to by leveraging all the learning resources available to SAP Learning Hub Professional subscribers. 

Typically, SAP certifications achieved on one of the two most recent SAP solutions are considered current and valid. SAP contacts professionals whose certifications are nearing end-of-life status and provides information on maintaining their credentials.

SAP Certified Technology Associate facts and figures

Certification name

SAP Certified Technology Associate — SAP HANA 2.0 SPS05

Prerequisites and required courses    

None required.

Recommended: Hands-on experience and the following courses: 

  • SAP HANA Installation & Operations SPS12 (HA200) 
  • High Availability and Disaster Tolerance Administration SPS05 (HA201)
  • Monitoring and Performance Tools SPS05 (HA215)
  • Database Migration using DMO SPS05 (HA250)

Number of exams

One exam: SAP Certified Technology Associate — SAP HANA 2.0 SPS05, exam code C_HANATEC_17 (80 questions, 180 minutes)

Cost per exam

$500

URL

https://training.sap.com/certification/c_hanatec_17-sap-certified-technology-associate—sap-hana-20-sps05-g/

Self-study materials

The certification web page includes a link to trial questions. SAP HANA trade books and certification guides are available on Amazon. The SAP Help Center offers product documentation and a training and certification FAQs page. The SAP Learning Hub (available on a subscription basis) provides access to online learning content.

Tip: To broaden your skill set, consider pursuing the best sales certifications to better sell and implement various IT solutions, including databases.

Beyond the top 5 database certifications

Additional database certification programs can further the careers of IT professionals who work with database management systems. 

While most colleges with computer science programs offer database tracks at the undergraduate, master and Ph.D. levels, well-known vendor-neutral database certifications exist, including the following: 

  • ICCP certifications. The Institute for the Certification of Computing Professionals (ICCP) offers its unique Certified Data Professional and Certified Data Scientist credentials. Learn more about ICCP certifications from the ICCP website.
  • Enterprise DB certifications. EnterpriseDB administers a small but effective certification program with two primary certs: the EDB Certified Associate and the EDB Certified Professional

These are some additional certifications: 

These credentials represent opportunities for database professionals to expand their skill sets — and salaries. However, such niches in the database certification arena are generally only worth pursuing if you already work with these platforms or plan to work for an organization that uses them.

Key takeaway: Pursuing additional database certifications can be helpful for professional development if you already work with these platforms or plan to work with them in the future. 

Job board search results

Before pursuing certifications, consider their popularity with employers to gain a helpful perspective on current database certification demand. Here’s a job board snapshot to deliver you an idea of what’s trending.

Certification

SimplyHired 

 Indeed 

 LinkedIn Jobs 

 LinkUp 

Total

IBM Certified Database Administrator — DB2

867

1,337

1,911

753

4,868

Azure Data Fundamentals

2,052

4,154

283

2,322

8,811

Oracle Certified Professional, MySQL Database Administrator

339

473

143

23

978

Oracle Database SQL Certified Associate Certification

138

177

10

273

598

SAP HANA

32

37

57

466

592

If the sheer number of available database-related positions isn’t enough motivation to pursue a certification, consider average salaries for database administrators. SimplyHired reports $91,949 as the national average in the U.S., ranging from $64,171 to over $131,753. Glassdoor’s reported average is somewhat lower at $84,161, with a top rung for experienced senior DBAs right around $134,000.

Choosing the right certification

Choosing the best IT certifications to enhance your skills and boost your career can be overwhelming, especially as many available certifications are for proprietary technologies. While picking a database certification can feel like locking yourself into a single technology family, it is worth remembering that many database skills are transferable. Additionally, pursuing any certification shows your willingness to learn and demonstrates competence to current and future employers. 

Ultimately, choosing which certification to pursue depends on the technologies you use at work or would like to use at a future employer.

Jeremy Bender contributed to the reporting and writing in this article. 

Mon, 05 Dec 2022 10:00:00 -0600 en text/html https://www.businessnewsdaily.com/10734-database-certifications.html
Killexams : Finding a Financial Advisor or Planner

Getting Your Financials Right

You may have noticed how complex and important saving, investing, maximizing the value of your wealth, and planning for a safe, comfortable retirement can be. If so, you've probably asked yourself how to find a financial planner or advisor and why you might need one.

You may also have felt the pressure of making a big financial decision. Whether it is buying a home, investing in further education, or managing the finances for a wedding, birth of a child, divorce, death of a spouse, or major illness, you've probably wondered how a financial advisor could help.

Key Takeaways

  • Many people seek financial advice from a professional, but with so many options to choose from it may seem overwhelming to find an advisor.
  • First, determine what level of advice and service you require and how much autonomy you'd like to deliver away to a professional.
  • Look for professional certifications and designations after an advisor's name, such as CFA, CFP, or CIMA.
  • Determine the fee structure you're most comfortable with: fee-only, commission-based, or based on assets managed.
  • Ask for referrals and then run a background check on the advisors that you narrow down, such as from FINRA's free BrokerCheck service.

1:43

7 Steps To Evaluate A Financial Advisor

Services of Advisors and Planners

The National Association of Financial Planners estimates that only 30% of investors have a paid financial advisor. 57% of those without an advisor say they prefer to manage their own money, while 95% with an advisor say they believe the advisor is worth the money.

So what kind of services do financial advisors and planners provide? Broadly, they can help you manage your financial life using various strategies and products to manage your wealth and Strengthen your financial habits.

Types of Financial Advice

Not all financial advisors are the same. Some specialize in certain practice areas, types of clients, income levels, investment strategies, and products. Some work with clients all over the country, while others focus on clients in their town. Some can help you with your taxes, insurance needs, or estate planning, and others will focus on retirement planning. There are advisors for the younger client, and some specialize in retirees. You can find a planner to help with life stages planning, estate distribution strategies, and business planning.

From managing every aspect of your personal or business financial life to simply suggesting directions, specialized professionals are available to help.

Reasons to Seek Financial Advice

You may need a good financial advisor for many reasons. For example, perhaps you just received a considerable sum of money from a relative who died or a windfall from the state lottery. As a person goes through different stages in life, their need for a financial professional will change.

Perhaps you just had a baby and want to ensure their future in case the worst happens. Many parents seek help for college savings for children and setting up estates that can convey wealth to future generations.

The approach to investing at or during retirement is different than that of a young worker. As you near retirement, your risk tolerance level will change, and your investing style should change as well. Perhaps your company is offering a too-good-to-resist early-retirement package, and you want to make sure the money lasts. Any of these events (and many others) could naturally trigger the desire for some professional help in managing your financial affairs.

How to Find Good Financial Help

How should you go about finding the right advisor? The first step is to figure out what sort of professional financial help you need. Like many people, some of your deepest economic thinking comes at tax time. So if you want someone to dole out tax advice and preparation, an excellent certified public accountant (CPA) will probably suffice. That CPA may or may not also be a financial advisor.

Investment Management: Financial Planners

Financial planners are professionals who help businesses and individuals create investment plans that meet long-term goals.

Say you're looking for help in creating a savings plan, devising investment strategies for your investment portfolio, getting out of debt, and start saving for a house. In short, if you want someone to look at your entire situation, you should seek the help of a comprehensive financial planning firm or an individual financial planner.

Firms typically have a staff of professionals that includes a financial planner. Solo-practitioner planners may not be able to provide you with the full range of services that a firm can, but many will work hand-in-hand with other professionals who can provide those services.

Examples of Designations for Financial Planners

Financial planners can carry designations such as:

  • Certified Financial Planner (CFP®)
  • Chartered Financial Analyst (CFA®)
  • Certified Fund Specialist (CFS)
  • Chartered Financial Consultant (ChFC)
  • Certified Investment Management Analyst (CIMA)
  • There are many other designations as well

Each of the specific designations will require a different set of experience requirements and the successful completion of an exam or series of tests.

To locate a planner, start with referrals from colleagues, friends, or family members who seem to be managing their finances successfully. Another avenue is professional recommendations. An accountant or a lawyer might make a referral. Professional associations can sometimes provide help.

Managing Money: Financial Advisors

A financial advisor is a broad term that covers many types of professionals. They may help you manage your investments by facilitating the buying and selling of securities. These individuals include bankers, accountants, stockbrokers, insurance agents, and estate planners. Financial advisors handle a wide range of money matters for individuals and businesses, while a financial planner handles more specialized matters.

Financial advisors may work in independent practices or part of a firm or financial institution. All advisors who work with the public must have a current Series 65 License. The National Association of Personal Financial Advisors (NAPFA) is a good place to start your search for help.

The Financial Planning Association (FPA) will also be able to help you locate a planner in your area, and always hire a fiduciary, who will act in your best interest.

Fee-Only vs. Fee-Based

A fee-based structure can be hourly, project, retainer, or a flat ongoing amount derived from the percentage of assets being managed, and usually, the greater the assets, the lower the percentage. Commission-based means the advisor charges a straight commission every time a transaction occurs or a financial product is purchased.

Commission Based

Although most of the big retail brokerages offer financial planning services, be cautious with their personnel. While many are highly trained and trusted, others may just be glorified stockbrokers hired by large wirehouses to sell proprietary mutual funds and stocks. Known as fee-based, they are incentivized, sometimes even required, to push these products, which are owned by their firm—and for which they receive top commissions. With some wirehouses, it's all about quantity, not quality.

But be aware: the more buying and selling a broker does in an investor's account, the higher the commissions generated.

Fee-Only

Another type of advisor is the fee-only advisor. These professionals carry designations such as registered investment advisor (RIA) or investment advisor representative (IAR). They are held to a high degree of accountability, and you'll typically find them among the more knowledgeable in their field. They are also required to provide to all potential investors upon request a Form ADV Part II. This form is a uniform submission used by advisors to register with state regulators and the Securities and Exchange Commission (SEC).

Form ADV Part II—which must be completed each year—contains information about the individual. Among other things, this will allow you to determine whether your advisor has ever applied for personal bankruptcy and their investment in other financial institutions. The form identifies the individual's investment style, officers of the firm, and the firm's assets under management (AUM).

The Debate Between the Two Structures

Fee advisors claim that their advice is superior because it has no conflict of interest. Commission-based professional fees have greater potential to compromise an advisor's integrity by affecting the selection or recommendation of products. For example, some companies might compensate the advisor better than others.

In return, commission advisors respond that those who get paid based on their AUM are more likely to recommend financial strategies that increase their AUM, even if they aren't in the client's best interest. They argue that commissions keep their services affordable (though the costs of these commissions are born by you, the investor, and serve to reduce your returns).

More investors are shifting from the traditional commission setup and moving towards the modern fee-only approach each year. Because set fees are new to many investors, some common questions have arisen, such as:

  • "Based on the level of service I am seeking, what is a fair fee?"
  • "Why am I being charged more with one advisor than another?"
  • "What investment advantage can one advisor provide other another?"

A combination of payment methods may also occur. Before you sign on to work with an advisor, you should ensure that the rates, fee structure, and commission schedules are laid out (preferably in writing, as RIAs are required to do by law) so there are no surprises later.

Evaluating the Professional

Anyone can call themselves a financial advisor (with an "O"), but a financial adviser (with an "E") is a regulated investment professional. An individual could drop out of high school, rent some office space, pass a FINRA general securities exam, and be selling stocks all within a couple of weeks. While exams such as the Series 6, 7, and 63 satisfy the industry regulatory requirements, they do not offer the advisor experience regarding real-life situations.

The financial industry is also rife with professional designations, many of which can be obtained with little or no effort. However, it does have three leading certifications that have significant educational and ethical requirements:

  1. A Chartered Financial Analyst (CFA) has a wide range of expertise in securities, financial analysis, investing, portfolio management, and banking. The testing regimen for this certification is long and rigorous.
  2. A Certified Financial Planner (CFP) must hold a bachelor’s degree and have completed “a college-level program of study in personal financial planning, or an accepted equivalent.” In addition, a CFP has booked at least three years of industry experience and passed a series of comprehensive tests, abides by a code of ethics, and meets continuing education requirements. You can check the CFP Board’s website to verify that your advisor or financial planner belongs to this group.
  3. A Chartered Financial Consultant (ChFC) holds a certificate that uses the same core curriculum as the CFP. However, the CFC does not require a comprehensive board exam and does not require certificate-holders to abide by a code of ethics.

Chartered Retirement Planning

The latter two listed above are often considered best for creating a general financial plan. If you are looking for someone with more of a retirement focus, you may want to seek a Chartered Retirement Planning Counselor (CRPC) who has completed intensive training in retirement planning through the College for Financial Planning.

If your concerns are dominated by taxes, try a Personal Financial Specialist (PFS), a CPA who has also undergone additional education and testing thereby offering more expert financial planning qualifications. For insurance and estate planning matters, you might want an advisor who has attained mastery as a Chartered Life Underwriter (CLU).

Financial advisors and planners are not just for wealthy individuals. These financial experts can help navigate life events that impact your finances, such as retirement planning, sending your children to college, or how to manage a small inheritance.

FINRA's Broker Check Site

You can check for any regulatory blemishes on the advisor’s record at FINRA’s broker check site. However, one thing to keep in mind is that an isolated complaint or infraction does not necessarily mean that the planner is dishonest or incompetent. Any charge brought against a broker or planner will go on the person's record, regardless of whether the planner is in the right. However, if the record shows a long-term pattern of violations, customer complaints, or charges of a serious nature, you should probably find someone else.

Importance of Fiduciary Standard

Whatever sort of services you need, make sure that the advisor is held to fiduciary standards which charge them with the responsibility of acting in an investor's best interests. In the investment world, RIAs are required to abide by a fiduciary standard. Stockbrokers generally only have to comply with the less-rigorous suitability standard. However, the Department of Labor's Fiduciary Rule greatly expands the types of professionals expected to comply with fiduciary standards.

Registered investment advisors are either registered with their state of residence or the SEC. They are regulated under the Investment Advisors Act of 1940.

Questions to Ask

Once you've identified a firm or individual to work with, make sure you understand all available services. At a minimum, consider the following:

  1. Will they track your investment cost basis for you?
  2. Can they file your tax return and help you with other tax-related questions?
  3. Do they look at insurance products, including life insurance, long-term care, and annuities?
  4. Can they help you plan your estate and distribution of wealth?
  5. Will they refer you to another professional if the firm cannot provide the service itself?
  6. Is there a succession plan in case something happens to your advisor?

Ask About Communication

It’s also essential for clients and prospective clients to understand how their financial advisor communicates with clients and their frequency. Common questions include:

  • How often will you meet to review your portfolio and your overall situation?
  • Will these meetings be done in person or virtually?
  • How flexible is your advisor's schedule?
  • Does your advisor have an aid or assistant to help with questions prior to your discussions?

Any or all are fine, and both your preferences and the advisor may be based on your age and digital comfort level.

Ask About Financial Expertise

It's also good to ascertain if your situation is typical of the advisor’s client base. For example, if you are a corporate employee looking for help planning for the exercise of your stock options, you should ask the advisor about their knowledge and experience in dealing with clients like you. A financial advisor who deals primarily with clients at or nearing retirement might not be a good choice for you if you are a 30-year-old professional looking for a financial plan.

In addition, different advisors have strengths and weaknesses regarding different asset classes. For instance, you may be interested in expanding your real estate, cryptocurrency, or other alternative investment holdings. Some financial advisors may be more experienced investing in, managing, and advising on specific sectors.

Pros/Cons of Hiring Financial Planner

Benefits
  • May save you time by managing financial aspects of your life for you.

    May have experience in areas you are not as familiar in.

    May provide different perspective on major financial life decisions.

  • May generates additional investment income based on portfolio success.

Downsides
  • May have undisclosed ulterior motive.

  • May be cost-prohibitive depending on fee structure.

    Will not ensure investment success.

    May not be worth the fees if your portfolio is small or your needs are specialized.

How Do I Find a Financial Advisor I Can Trust?

You can find a financial advisor you can trust by asking family members and colleagues for recommendations. You can ask the company that handles your retirement accounts to recommend a financial advisor for your situation or search the database offered by the National Association for Personal Financial Advisors(NAPFA).

What Are the Types of Financial Advisors?

There are few types of financial advisors. Some are fee-only, and others are commissioned-based, Some financial advisors specialize in estate and retirement planning, others are skilled in taxes and insurance needs. Some planners specialize in life stages as well or business planning.

What Should I Look for in a Financial Advisor or Planner?

Look for someone with who you feel comfortable in discussing your finances, a person who fits your needs for a fee-based or commission-based advisor. Make sure your planner or advisor has experience working with clients similar to you and your financial needs and who will communicate in a timely and organized matter.

What Are Some Questions to Ask When Looking for a Financial Advisor?

When looking for a good fit in a financial advisor, some questions would be about how they are compensated for their time, their credentials and years of experience, and their particular specialties and expertise. It would not hurt to ask them how much time that they typically spend with their clients in-person and over the phone or by email.

How Can I Find a Financial Advisor Who Bills by the Hour?

Some financial advisors charge a commission on the assets they manage, and others bill a flat fee or hourly. If you are looking for a financial advisor who bills by the hour, you could check NAPFA's website, which offers a database and search tool for fee-based advisors. Some of them might charge by the hour.

The Bottom Line

Good financial planners and advisors are compared to life coaches because they can help with many complex financial decisions throughout your life. A financial advisor can offer tips on buying a car, saving for college, and refinancing a home mortgage. They deal with other financial professionals daily and typically know if you're paying too much for something or not getting a competitive rate.

Great financial planners will not only help you make money on your investments but will also help you reach your goals, avoid undue investment risks, save money on insurance, and achieve other major financial milestones.

To maximize your experience with your planner or advisor, you should meet with the person regularly, share your concerns and goals, and allow your advisor to review all of your financial and legal documents regularly.

Thu, 02 Sep 2021 19:03:00 -0500 en text/html https://www.investopedia.com/updates/find-financial-advisor-planner/
Killexams : The World's Leading Knowledge Management Event

KMWorld 2022

Discover the untapped potential of knowledge at the world's leading knowledge management event. Join the brightest minds in knowledge and information management at KMWorld 2022 this November in Washington, D.C. Get practical advice, hear inspiring thought leadership, and attend in-depth training and workshops on how KM and related disciplines can provide enormous value for your organization and transform your business.

KMWorld is designed for CIOs & CKOs, IT managers, Knowledge Managers, Information Managers and Professionals, Executive Management, Intranet Managers, Information Architects, Content Managers, Customer Experience Professionals, Scientists & Engineers, Educators & Researchers, and anyone who wants to run an innovative, knowledge-driven enterprise. 

KMWorld 2022 is a part of a unique program of four co-located conferences this November. Please take an opportunity to explore these events and their content below, then choose a Platinum Pass to gain full access to these distinct, but synergistic, conferences.

Enterprise Search & Discovery 

The Enterprise Search & Discovery Conference is the only conference dedicated to exploring this critical business and technical challenge and opportunity. Discover how to design, build, and manage better search and discovery to help extract critical knowledge and business value from your organizational data. Join us as we explore how to provide transformative enterprise search and information discovery across your organization.

Enterprise Search & Discovery is designed for Search Managers, line-of-business departmental managers, IT managers, Information & Knowledge Architects, Compliance and Legal Officers, and anyone responsible for organizing, managing, and retrieving internal and/or external information. 

Taxonomy Boot Camp 

Taxonomies are all about creating structures that bring data and information to life. Taxonomy Boot Camp is the only conference dedicated to taxonomy building and management. Join us as we explore the successes, challenges, and methods of putting taxonomies to work for your organization.

Taxonomy Boot Camp is designed for Taxonomists and Ontologists, Information Architects, Content Managers, Knowledge Engineers, Intranet Professionals, Content Classification Specialists, Information Professionals, Information Scientists, and anyone responsible for classifying, organizing, or managing content. 

Text Analytics Forum 

Text Analytics has the ability to add depth, meaning, and intelligence to any organization’s most under-utilized resource – text. Through text analytics, enterprises can unlock a wealth of information that would not otherwise be available. Join us as we explore the power of text analytics to provide relevant, valuable, and actionable data for enterprises of all kinds.

Text Analytics Forum is designed for Text Analysts, Content Managers, Data Analysts and Scientists, Knowledge Managers, CIOs and CKOs, Information and Knowledge Architects, Taxonomists and Ontologists, Business and Competitive Intelligence Pros, and anyone involved in organizing information or extracting valuable data from text. 

Wed, 16 Nov 2022 23:38:00 -0600 en text/html https://www.kmworld.com/Conference/2022
Killexams : How to Apply a Gradient Across a Group of Objects in Illustrator

Erin McManaway holds a B.A. in professional writing from Francis Marion University, where she earned the Richard B. Larsen Memorial Award for Business and Technical Writing. She has worked in materials development, media and information technology in the nonprofit sector since 2006. McManaway has also been a writer and editor since 2008.

Sat, 15 Aug 2020 23:33:00 -0500 en-US text/html https://smallbusiness.chron.com/apply-gradient-across-group-objects-illustrator-35368.html
Killexams : Schneider Electric Calls for Adoption of Business Transformation Solution


Udora Orizu in Abuja

Global specialist in energy management, Schneider Electric has said the adoption of Augmented Reality (AR) be accelerated across various industries and platforms to significantly transform businesses and consumer marketplaces in Nigeria.


AR involves overlaying visual, auditory or other sensory information onto the real world to enhance one’s experience. Companies can use augmented reality to promote products or services, launch novel marketing campaigns.


Speaking on this innovative technology, Belema Koleoso, Territory Technology Lead, Schneider Electric, said much progress had been made since 2019, when Schneider Electric’s AR technology, EcoStruxure Augmented Operator Advisor (EAO) was launched. She said the solution works to enhance data accessibility for quicker and more accurate decision making and remains a lethargy in the Nigerian market to adopt this technology.


According to her, as more breakthroughs in technology continued to take root, the group has remained consistent in sensitising its partners on the potential of AR, being one of the keys to digital transformation in industry.


She therefore urged Nigerians to consider AR as a total cost of investment that enhances optimal output, saying customers are more prone to adopt a baseline approach, where they are satisfied with running their operations minimally without incurring additional costs.


She said, “Companies must therefore capitalise on AR and pursue the opportunities that can significantly boost operational productivity and enhanced efficiency.
“Company campaigns have been run to sensitise clients to understand how EAO uses AR technology to optimise the operation and maintenance of industrial sites and equipment, AR aids effectiveness, helps to optimize human assets, and bridge the prevalent generational skill gaps.”


In this regard, she specifically highlighted the workforce crises that Schneider Electric foreseesin the next 5-6 years, with the aged industrial population as the search for well trained workers sometimes poses a challenge.


“For example, templates, assets, manuals can be aggregated into the EOA application, customizable by the client, it puts real-time information at your fingertips, whenever and wherever it is needed, enabling operators to superimpose current data and virtual objects onto a cabinet, machine, or plant.
“This software combines contextual and local dynamic information for mobile users, enable


“Through iteration of workforce turnover. For example, templates, assets, manuals can be aggregated into the EOA application, customisable by the client, it puts real-time information at your fingertips, whenever and wherever it is needed, enabling operators to superimpose current data and virtual objects onto a cabinet, machine, or plant.

“This software combines contextual and local dynamic information for mobile users, enabling them to experience a fusion of the physical, real-life environment with virtual objects. “It becomes a mobile work buddy for employees commencing the learning curve and in all reduces operational cost while increasing plant operational efficiency.

“This ensures that people who are put into the system meet the experience that others who passed through the system, left behind.

“AR presents completely new ways of executing tasks, with instant diagnosis, contactless maintenance, increased efficiency, and lower cost. Industries including construction, aviation, consumer packaged goods, energy and chemical, mining and minerals etc. can use EOA to enhance their operations.

“The cloud-based software rides on any controller to learn activities and aggregates assets, moving past proprietary original equipment manufacturer parent protocols, to focus on the tasks,” she added.

Thu, 08 Dec 2022 13:29:00 -0600 en-US text/html https://www.thisdaylive.com/index.php/2022/12/09/schneider-electric-calls-for-adoption-of-business-transformation-solution/
Killexams : How to Add a Shadow to Objects in Illustrator

Erin McManaway holds a B.A. in professional writing from Francis Marion University, where she earned the Richard B. Larsen Memorial Award for Business and Technical Writing. She has worked in materials development, media and information technology in the nonprofit sector since 2006. McManaway has also been a writer and editor since 2008.

Fri, 27 Jul 2018 04:50:00 -0500 en-US text/html https://smallbusiness.chron.com/add-shadow-objects-illustrator-35395.html
Killexams : The astronomical community accurately predicted an asteroid impact

Ever since we found out what an asteroid did to the dinosaurs, we’ve been worried that there might be an object out there with our names written on it. For most of our history, if something had come screaming in to end our species once and for all, there wouldn’t have been anything for us to do about it. Most of our efforts, as it pertained to cosmic planet killers, was to imagine what we might do in movies, like the 2014 sci-fi flick Asteroid vs. Earth (now streaming on Peacock!). In recent years, however, considerable effort has been put into the identification and defense against potentially dangerous near-Earth objects.

We need only look so far as the recent DART mission to learn that humanity means business when it comes to not being smooshed by a giant space rock. We most often think of planetary defense as being the purview of government organizations with acronyms for names, but it isn’t just NASA, ESA, and JAXA who are keeping an eye on our planetary borders. Astronomers around the world, both professional and amateur, are keeping their eyes peeled and their telescopes pointed up in search of anything which might be travelling in our path. Recently, those efforts paid off when the global astronomical community successfully identified and tracked a small near-Earth object hours before impact, according to NASA.

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Nov. 19 was a Saturday, and it was the early hours of the morning when a tiny asteroid tore through the sky over Ontario, Canada. Unlike other small impactors, observers knew this one was coming and were ready for the show. One might wonder what sort of people run toward a looming asteroid impact, like storm chasers of the future, but they weren’t in any real danger. The asteroid, which was dubbed 2022 WJ1, was only about a meter wide and broke up in the atmosphere before it made landfall. It’s expected that shards of the object might be scattered along the southern shore of Lake Ontario and surrounding areas.

The asteroid was first detected by the Catalina Sky Survey, which NASA funds, located at the University of Arizona in Tucson. They reported the finding to the Minor Planet Center, an international body involved in the precise measurement of small celestial objects. The report was then published to the MPC’s Near-Earth Object Confirmation Page, a publicly available page which hosts data on objects of interest.

That data was instantly picked up by NASA’s Scout impact hazard assessment system, which started calculating trajectories and potential impact sites. The first crunch of the numbers calculated a 25 percent chance that 2022 WJ1 would impact the Earth somewhere along a path which stretched from the east coast of North America to Mexico. Meanwhile, astronomers elsewhere also joined the hunt to track 2022 WJ1.

As the hours wore on, astronomers around the world continued observing and providing information, which Scout used to refine its models and make better predictions. In addition to professional astronomers, a group of amateur astronomers at Farpoint Observatory in Kansas watched the object for more than an hour. It was their observations that allowed Scout to confirm with 100 percent confidence that 2022 WJ1 would impact the Earth. Not only that, but it also allowed Scout to predict the precise time and location of impact: Ontario, Canada at 3:27 a.m. Eastern on the morning of Nov. 19.

With two hours to spare, they were able to put out an alert, letting astronomers in the area know when and where to go. As a result, astronomers were able to get out to the site and photograph 2022 WJ1’s entry.

“The planetary defense community really demonstrated their skill and readiness with their response to this short-warning event. Such harmless impacts become spontaneous real-world exercises and deliver us confidence that NASA’s planetary defense systems are capable of informing the response to the potential for a serious impact by a larger object,” said Kelly Fast, Near-Earth Object Observations program manager for the Planetary Defense Coordination Office at NASA Headquarters in Washington.

The successful detection of 2022 WJ1 is now the sixth time astronomers have successfully found a relatively small object before it hit home. It bodes well for our ability to detect something larger and meaner in the future. And do something about it.

Stream Asteroid vs. Earth on Peacock.

Wed, 30 Nov 2022 04:00:00 -0600 en-US text/html https://www.yahoo.com/now/astronomical-community-accurately-predicted-asteroid-180132687.html
Killexams : These apps and devices will help relieve your holiday stress

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Tue, 06 Dec 2022 02:25:00 -0600 en-US text/html https://www.azcentral.com/story/tech/columnist/2022/12/06/holiday-stress-apps-gadgets/10843515002/
Killexams : Names to Know: Meet the new professionals on the Seacoast

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Thu, 01 Dec 2022 09:19:00 -0600 en-US text/html https://www.seacoastonline.com/story/business/2022/12/01/names-to-know-meet-the-new-professionals-on-the-seacoast/69692645007/
Killexams : What To Know About The Ear Wax Removal Trend—And Whether It’s Safe No result found, try new keyword!The question is, exactly how effective is this ear wax removal technique—and is it even safe? Below, ear, nose and throat (ENT) specialists weigh in, and provide sound medical advice on how to safely ... Thu, 08 Dec 2022 00:22:00 -0600 https://www.forbes.com/health/body/ear-wax-removal/
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