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Exam Code: CSM-001 Practice test 2022 by team
CSM-001 Certified Scrum Master (CSM)

As a Certified ScrumMaster® (CSM®), youll help the Scrum Team perform at their highest level. CSMs also protect the team from both internal and external distractions. Through the certification process, you will learn the Scrum framework and gain an understanding of team roles, events, and artifacts.

Expand your career opportunities across all industry sectors adopting Agile practices
Demonstrate your attainment of core Scrum knowledge
Learn the foundation of Scrum and the scope of the role
Engage with Agile practitioners committed to continuous improvement

ttend a live online or in-person course taught by a Certified Scrum Trainer® (CST®), or receive coaching from a Certified Agile Coach (CAC).
After successfully completing the course, you will need to accept the License Agreement, take the 50 question CSM test, and answer 37 out of the 50 questions correctly within the 60 minute time limit

Four values of the Agile Manifesto
Twelve principles of the Agile Manifesto
Definition of Scrum
Relationship of Scrum to agile
Empirical process control as it relates to Scrum
The 3 pillars of empirical process control and their importance
How and why "incremental" is an important characteristic of Scrum
How and why "iterative" is an important characteristic of Scrum
"Applicability of Scrum (addresses complex adaptative problems across multiple
Identify the five Scrum values
How and why commitment is an important Scrum value
How and why courage is an important Scrum value
How and why focus is an important Scrum value
How and why openness is an important Scrum value
How and why respect is an important Scrum value
Why self-organizing is an important characteristic of Scrum teams
Why cross-functional is an important characteristic of Scrum teams
Identify the roles on the Scrum team
Identify the responsibilities and characteristics of the ScrumMaster
Identify the responsibilities and characteristics of the Scrum Product Owner
Identify the responsibilities and characteristics of the Scrum Development Team
"Understanding responsibilities and characteristics of the ScrumMaster -- servant leader for the Scrum team"

"ScrumMaster service to the Organization -- coaching, facilitation, removing impediments"
"ScrumMaster service to the Development Team -- coaching, facilitation, removing impediments"
"ScrumMaster service to the Product Owner -- coaching, facilitation, removing impediments"
Characteristics, value and/or purpose of the Sprint
Sprint Planning -- characteristics, value, purpose and/or role of participants
Daily Scrum -- characteristics, value, purpose and/or role of participants
Sprint Review -- characteristics, value, purpose and/or role of participants
Retrospective -- characteristics, value, purpose and/or role of participants
Understand the purpose and value of Scrum artifacts
Identify Scrum artifacts
Product Backlog - characteristics, value and purpose
Sprint Backlog -- characteristics, value and purpose
Increment -- characteristics, value and purpose
Understanding importance of transparency of artifacts to evaluate value and risk
Identify the downsides of lack of transparency
Importance of establishing the definition of "Done"
Characteristics of Product Backlog items

Certified Scrum Master (CSM)
GAQM Certified benefits
Killexams : GAQM Certified benefits - BingNews Search results Killexams : GAQM Certified benefits - BingNews Killexams : How certification can unlock the benefits of smart cities

Where are you right now, as you read this? Our educated guess would be a city. According to current figures from World Bank, around half of the world’s population — 56% to be precise — call cities their home. However, if we were to ask you the same question in 2050, those odds will have increased significantly.

Estimates from the same report suggest that in less than 30 years, 70% of the population will live in cities. In countries like the US, this figure is set to exceed 80%. It’s clear that urbanization is growing at a rapid rate. Cities are devouring a greater proportion of rural spaces — and an increasing number of people see them as providing the best opportunity for work and quality of life.

This growth places cities at the forefront of economic, social, and global concerns about energy and water use, traffic management, sanitation, and sustainability. To address those concerns, municipalities are increasingly turning to smart solutions that promise to Improve infrastructure and governance. But how does a city know which vendors to trust? Which partners are most capable of bringing a city’s smart ambitions to fruition?

As with every high-growth market, regulation and certification often has to play catch-up. There are hundreds of companies promising the latest smart technology, the brightest and best innovations. Only relatively recently have organisations begun to evaluate and make efforts to agree upon the criteria for what qualifies a city as smart.

The AWS Smart City Competency partnership 

A smart city requires the proper mix of data, technology, infrastructure, and services to deliver sustainable and citizen-centric solutions. It’s important for city authorities to work with the right partners, ones that enable smart cities and help them thrive.

Amazon — more specifically Amazon Web Services (AWS) — has emerged as a leader in smart city certification with its Smart City Competency partnership. The initiative is designed to “support public sector customers’ innovations to quickly deliver smarter and more efficient citizen services.” As a trusted presence in the digital space, AWS is well positioned to deliver world-class recommendations to customers looking to build and deploy innovative smart city solutions.

The premise is fairly straightforward. The AWS Smart City Competency “will differentiate highly specialised AWS Partners with a demonstrated deep technical expertise and proven track record of customer success within the Smart City use cases.” The idea is that, through the AWS Smart City Competency, customers will be able to quickly and confidently identify approved partners to help them address smart city challenges.

The benefits are clear. When working with a certified AWS partner like Interact, you can feel secure knowing that the system has met and exceeded a high competence threshold. The partnership offers a host of additional benefits, including partner opportunity acceleration funding, discounted AWS training, and ongoing support and networking opportunities.

Opportunities from the World Bank, the UN, and elsewhere

The AWS Smart City Competency is just one example of an initiative designed to define smart city standards. World Bank, a voice of authority in the smart city space, has launched the Global Smart City Partnership Program (GSCP).

The Global Smart City Partnership Program was established in 2018 to help the World Bank Group teams and clients make the best use of data, technologies, and available resources. It is built on the understanding that technology – and data-driven innovations can Improve city planning, management, and service delivery, better engage citizens, and enhance governmental accountability. Like the AWS program, the goal of the World Bank is to work closely with prominent smart city experts from all around the world and match them with certified partners they can trust.

The United Nations Development Program (UNDP) for Smart Cities shares a similar desire for aligning smart city customers and dependable vendors. The UNDP cites a number of factors by which smart city projects fail, including organisational culture, difficulties in achieving behaviour change, lack of technical expertise and leadership, and a singular focus on technology. Too often, the real needs and realities of customers are overlooked; only by matching those customers with genuine smart city experts can a greater level of success be achieved.

Emerging smart city standards

For a city to truly become a smart city, it needs to integrate data-driven solutions across numerous application areas, from transportation and mobility to utility planning, waste management, and emergency response. This means it’s likely that decision makers will turn to numerous vendors to carry out individual projects.

But cities are not silos. They’re living, breathing entities — ecosystems in which each element impacts and interacts with the next. This makes the issue of interoperability a pertinent one.

According to Smart Cities World, “Public tenders for various smart city applications globally more and more include the requests for compliance to international standards . . . [V]endors want to make sure that their systems are future-proof and allow interoperability with other market players.”

Not only does this highlight the benefits of being recognised and certified by the programs we’ve discussed, but it places a greater onus on providers to ensure that their products adopt an open systems approach.

Emerging standards, best practices, and coordinated initiatives, along with a general increase in experience and expertise, has made it easier to recognise what a smart city is—and, crucially, what it is not. For cities with smart aspirations, choosing the right partner is integral to success. Certification programs like the ones mentioned here make it far easier to judge who those partners are. To find out more about Interact click here.

Fri, 09 Dec 2022 07:57:00 -0600 en-US text/html
Killexams : Benefits of ISO 13485 Certification for Medical Device Manufacturing

The medical device sector must meet stringent regulatory requirements plus convince potential customers that they make reliable, safe products. Having a strong commitment to quality can help customers achieve both those aims and others.

Parts of the ISO 13485 process involve identifying and documenting processes. For example, company representatives must find all processes that have even a minor connection to manufacturing. Next, they must create written procedures to establish which elements could introduce risks to the product.

Those threats could range from contaminated equipment to poorly trained personnel. After bringing attention to the risks, company representatives must name and describe measures to mitigate the potential issues.

ISO 13485 does not spell out the specific measures for device manufacturers to take. However, the certification gets people in the mindset that quality happens at every stage of manufacturing and that ongoing efforts enable maintaining high standards.

Reducing the Likelihood of Longstanding Issues

Another component of ISO 13485 requires ongoing managerial reviews to determine whether previously implemented controls work as expected or if further tweaks would get better results. Unfortunately, some leaders see these evaluations as box-checking exercises and feel under excessive pressure to get them done.

However, gathering relevant data and creating processes to keep that information up-to-date and accessible can make it easier to carry out thorough, non-rushed reviews related to ISO 13485. 

For example, looking at customer feedback, audit results, new regulatory requirements, and any details of corrective actions taken so far can help decision-makers verify whether quality controls related to ISO 13485 have the desired effects.

Additionally, these periodic reviews Improve the chances of catching issues that could lead to faulty products or operational efficiencies. They encourage better visibility that limits the likelihood of an unaddressed issue causing long-term problems.

Increasing Marketplace Competitiveness

The most accurate version of ISO 13485 requires that certified companies insist that any subcontractors conform to the standard, too. That means the commitment to quality extends beyond a particular organization. Many potential customers appreciate that, knowing that working with any new company poses challenges. ISO 13485 reduces many of them with its emphasis on quality.

Also, since ISO 13485 is an internationally recognized standard, it can help in cases where company leaders want to expand into other countries and boost their chances of success. Certification assists organizational leaders in conveying that they take quality seriously.

It’s vital to convince stakeholders of efforts to prioritize quality since medical devices directly affect people’s lives. Minimizing the chances of harm and increasing positive outcomes helps potential customers build trust in a company and decide it makes sense to work with or purchase from them.

Helping Products Stay on the Market Without Issues

Statistics indicate that approximately 4,500 medical devices and drugs get taken off the market owing to recalls. Just as managerial reviews of ISO 13485 processes can prevent persistent issues, a certified company is less likely to experience problems that lead to getting products pulled from shelves. In addition to the lost profits that such events cause, recalls can permanently damage the public’s reputation, making many people perceive a troubled brand as unsafe.

However, corrective and preventive actions get built into the ISO 13485 framework, helping company representatives identify and tackle problems faster than they otherwise might. It’s also advantageous that getting certified can help create and maintain a culture of personal responsibility within the organization.

Once an employee understands that a single missed step or ignored protocol could cause quality issues that affect a whole organization, they’ll likely become more conscious of their behaviors and choices made while working.

Plus, if a company does experience a recall, being ISO 13485-certified should make it easier to target where things went wrong and prevent future issues. Doing those things should bolster public trust and reassure people that a device manufacturer has its operations under control.

ISO 13485 Certifications Strengthens Medical Device Companies

The medical device sector is a high-pressure industry where people praise innovation as long as it doesn’t sacrifice user safety. Moreover, manufacturers must respond to demand spikes, as instances like the surge in ventilator needs during the COVID-19 pandemic showed.

Getting an ISO 13485 certification can help a company make positive, permanent quality and process improvements. Thus, representatives from certified companies often find that ISO 13485 contributes to organizational resilience. It’s not right for every organization, but the associated benefits make it well worth consideration.

Mon, 05 Dec 2022 10:00:00 -0600 en text/html
Killexams : Small Business Employee Benefits (2022 Guide)

There are several small business employee benefits that you’re legally required to provide to your employees. You must offer them to stay compliant with the U.S. Department of Labor laws and regulations. Failure to do so can lead to steep fines and other penalties. If you’re unsure of the benefits requirements for your particular business, don’t hesitate to consult an employment lawyer.

Workers’ Compensation

Workers’ compensation is a type of insurance that protects employers and employees from litigation over work-related accidents and illnesses. Required in every state except Texas, workers’ comp covers medical treatment, lost wages, rehabilitation care, disability costs and funeral benefits for employees injured on the job.

Since workers’ compensation laws vary by state, it’s important to find out your state’s requirements. Keep in mind that rates depend on the type of work your employees perform so if you’re in an industry such as accounting that requires a lot of office work, you’ll pay less than an employer in a higher-risk industry, such as construction.

Unemployment Insurance

Unemployment insurance provides monetary compensation to workers whose jobs have been terminated due to no fault of their own. If an employee leaves your business and files an unemployment compensation claim, you’ll receive a notification and the funds will be deducted from your unemployment account. The amount you’ll pay will be based on your state and guidelines for a base wage multiplied by a tax percentage.

Disability Insurance

If your small business is in California, Hawaii, New Jersey, New York, Puerto Rico or Rhode Island, disability insurance is mandatory. It’s designed to cover employees who are unable to work because of a serious nonwork-related injury or illness. Both short-term and long-term disability will provide income to your employees while they’re away from work. Short-term disability usually covers employees for anywhere from two to six months and offers up to 70% of current income whereas long-term disability typically pays 50% to 70% of their monthly income and can last for years or even decades, depending on the plan.

Consolidated Omnibus Budget Reconciliation Act (COBRA)

COBRA should be on your radar if you have 20 or more workers and offer group health insurance. It’s a federal law that requires you to continue to provide former employees and their families health insurance coverage for 18 or, in some cases, 36 months. To take advantage of COBRA, a terminated employee will have to pay the entire premium, including the portion you used to cover for them.

Social Security and Medicare

Social Security and Medicare are federal programs that U.S. employees must pay into through employer deductions while they work. Social Security benefits will provide them with retirement or permanent disability income. Medicare, on the other hand, will cover their health insurance once they turn 65 or are diagnosed with a certain medical condition or disability. According to the Federal Insurance Contributions Act (FICA), both you and your employee must contribute 6.2% of the worker’s wages toward Social Security and 1.45% toward Medicare.

Family and Medical Leave

The Family and Medical Leave Act (FMLA) protects employees during certain life events, such as childbirth, adopting or fostering a child, and caring for an ill relative. No matter which state you’re in, you’ll need to abide by the FMLA if your business has 50 or more employees within 75 miles of your workplace. Even though the FMLA won’t cost you anything out of pocket, it will require you to offer up to 12 weeks of unpaid leave and health benefits to qualifying employees.

Health insurance

Under the Affordable Care Act, your business is required to offer health insurance if you have 50 or more employees. Even if you have less than 50 workers, health insurance is a common benefit that is worth exploring. Fortunately, there are many types of health insurance plans out there, such as fully insured plans, partially self-funded plans, high-deductible plans, preferred provider organization (PPO) plans and health maintenance organization (HMO) plans so you can choose the right one for your unique situation.

Tue, 15 Nov 2022 23:00:00 -0600 Anna Baluch en-US text/html
Killexams : Can laughter be an employee benefit? This company is making it possible

In a slew of benefit offerings, employers may find it difficult to pinpoint what would truly Improve employee well-being and work culture. But this founder believes the solution may be simpler than they think.

Kevin Hubschmann, founder and host at Laugh Dot Events, wants to provide laughter as an employee benefit, through interactive online and in-person comedy shows. Laugh Dot Events has already partnered with companies like Spotify, Facebook and Microsoft to host comedy shows specifically customized for each workforce's interests and boundaries. Hubschmann says he's on a mission to reveal just how beneficial a good laugh can be.

"People have done every wine tasting, escape room and corporate retreat — we need something new," he says. "People should be excited to come together and actually have fun with their [coworkers]."

Read more: Why employers need to think beyond mental health apps and chatbots for their benefits

Hubschmann's love for comedy started with telling jokes at the dinner table with his family as the youngest child of six siblings and further evolved when he moved to New York City and became immersed in the improv comedy scene. From there, it became increasingly clear that comedy not only made people feel good, but naturally brought them together. 

"I saw the benefits of not just laughter, but improv as it was teaching me about listening and critical thinking," says Hubschmann. "I became a better teammate. Most importantly, we were laughing our butts off the whole time."

While comedy and corporate life may not seem like they mix, Hubschmann underlines the data-driven approach the company takes to match the right comedians and content to each employer. Before each event, Laugh Dot Events survey the audience, looking into factors like gender, age range, and the number of married couples and parents. The company also notes what subjects to avoid to keep the content work-appropriate.

"We have a formula that allows us to pick the best comedians to make that event successful," says Hubschmann. "We are dialed in in terms of the comedians we work with and the material they are able to do." 

For Hubschmann, laughter serves as a bonding exercise and wellness benefit rolled into one. And not long after Laugh Dot Events launched in 2019, the pandemic entered the picture, signaling an even greater need for human connection, explains Hubschmann.

"When the pandemic forced everyone to be virtual, a lot of natural connection was waning. Fast forward to today, and people still really just want to laugh," he says. "We are making a personal connection and building more trust by seeing our coworkers laugh."

Read more: Huntington Bank's CHRO has spent years building a 'colleague-centric' culture

According to a study published in the peer-reviewed journal Trends Cogn Sci, people are 30 times more likely to laugh with others than when they are alone. Experiencing comedy as a team or company-wide can be an especially effective way for employees to associate joy with their colleagues, rather than just work.

Hubschmann takes it one step further by hosting an event called "Laughing and Bonding." Audience members are surveyed beforehand about any fun facts or interests they don't mind sharing with their coworkers, and a comedian will host a game of trivia based on the survey responses. 

"Maybe I'm on the marketing team, and I have only ever connected with Jim from accounting over Slack," says Hubschmann. "But now I remember you as the guy who played bagpipes in high school and not just the guy who writes my checks."

On the wellness end, laughter has been known to lower blood pressure, reduce stress-related hormones, Improve heart health and boost T-cells, strengthening your immune system. In an attempt to bring more laughter to workers' daily routines, Laugh Dot Events also offers virtual 15-minute laugh breaks, where company teams can engage in a comedy show from their offices or homes. 

Read more: How to support employees who are struggling with their mental health

"There doesn't have to be a reason for people to carve out time to laugh," says Hubschmann. "People need this break because they're sitting at their desks all day long, and they might not leave for eight straight hours."

Hubschmann reflects on when everyone had recess and lunch as a kid, noting that those breaks gave kids the opportunity to be silly and get their energy out. He believes adults should have similar opportunities, and laugh breaks are one way to structure more rest and release into people's day. 

Ultimately, Hubschmann views laughter as vital to retention, remembering that his previous job has such a connected culture he stayed, despite being offered potentially better opportunities. And if employees have the space and time to laugh with their coworkers, Hubschmann is certain camaraderie and loyalty follow.

"People ask themselves, 'Who are we doing this work for?'" he says. "When we do exercises like this that allow us to laugh and connect, we start thinking, 'I'm doing this for a person.' They are a human being, and not just some avatar on Slack."

Wed, 30 Nov 2022 01:41:00 -0600 en text/html
Killexams : How life insurance can benefit seniors
Despite conventional wisdom, life insurance can benefit seniors, too. Getty Images/iStockphoto

Life insurance is generally thought to be advantageous for a wide variety of American adults.

Whether you're young and single, older and married or somewhere in the middle with children, the benefits of having a life insurance policy are multiple and significant. It's even more beneficial if you own a home, have debt or are anticipating major expenses in the future. Those benefits, however, range substantially and are often specific to the individual policyholder's personal financial situation and long-term goals.

One group that is often not thought of as benefiting from life insurance protections is senior citizens. Because of the sometimes costly price of securing a (minimal) policy at an advanced age, it's thought that life insurance isn't worthwhile.

But, just like all of the other groups mentioned above, life insurance can benefit seniors, too. It just may not be for the same reasons as those in other demographics.

If you're a senior considering life insurance then start by getting a free price quote online so you know exactly what to expect. 

How life insurance can benefit seniors

The pros of having a life insurance policy for seniors are often specific to each individual. Here are three benefits that are broadly applicable:

It can leave a nest egg for beneficiaries

If you're a senior with little to no savings to pass on or a home to leave your family, then a life insurance policy may be able to help. For a relatively inexpensive cost each month (premiums range based on age and health), you may be able to secure a policy for tens of thousands of dollars. That could then be left to your beneficiaries in the event of your death.

Granted, a policy worth $20,000-$30,000 may not sound like a lot, particularly when payouts range up to and past $1,000,000. But it's still better than nothing. If it can be locked in at a low rate then it's probably worth pursuing.

Answer a few simple questions online now to get a free price estimate

It can cover end-of-life expenses

A death in the family is already difficult to deal with. But the financial burden caused by end-of-life expenses like a wake, funeral and burial compound the issue.

Fortunately, a conservative life insurance policy in an amount that can cover these costs may be available for many seniors. Considering that the coverage amount is minimal compared to more robust, comprehensive policies, the premium tied to such a policy can potentially be affordable. 

Know what you can afford and then see if you can get coverage for that amount. It may not be a policy worth millions but that's not what you'd need for these sorts of expenses anyway.

It can help pay down debt

What will your financial situation look like after your death? If there will be significant outstanding debt left to your loved ones then you may want to get a life insurance policy to help make those payments.

Life insurance can be used for almost anything so if you get a plan now and wind up paying down the debt before you have passed you can always cancel the plan - or keep it and have your beneficiaries use it for something else.

But if you have significant debt with no clear pay-off date? It may make sense to secure a policy now so they know they won't get stuck with costly payments. Compare rates and providers now by using the table below

The bottom line

Life insurance for seniors is often thought of as expensive and not worth it. But as shown above, depending on your personal circumstances and goals, a policy may be both cost-effective and valuable.

Do the math, review your options and speak to a life insurance provider to determine if it makes sense for you. 

Mon, 28 Nov 2022 11:43:00 -0600 en-US text/html
Killexams : Is CAPM Worth It? Salary And Job Growth

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

If you’re a project management professional with less than three years of experience, and you are looking to boost your resume and certify your skills and knowledge, the Certified Associate of Project Management (CAPM)® certification may benefit you.

Early-career professionals who are wondering if the CAPM is worth it should consider the certification’s key factors. This article overviews factors to consider regarding CAPM certification, including costs, salary and growth potential and career options.

What is CAPM Certification?

The CAPM certification is a beginner-level credential administered by the Project Management Institute (PMI) that validates an individual’s knowledge and competency in project management fundamentals. The certification serves entry-level professionals, project team members and project managers who are seeking to advance their knowledge and implement best practices in their day-to-day work.

CAPM Certification Cost and Exam​​

Several components factor into the total CAPM certification cost. These expenses include test fees, training costs, study resources and renewal fees.

The CAPM test fee is mandatory, and test-takers must pay it directly to PMI. The fee breaks down as follows.

  • Exam fee. $225 for PMI members and $300 for nonmembers
  • Re-examination fee. $60 for PMI members and $150 for nonmembers

Training Costs

CAPM training and test preparation courses typically incur additional costs. Fees for training courses vary depending on the program. CAPM bootcamps typically start at around $200. In just three or four days, these programs provide the 23 hours of project management education required for CAPM certification.

A training course can cost between $300 and $500. There are several training options available for certification candidates with varying budgets.

PMI bases the current CAPM certification test on the sixth edition of the Project Management Body of Knowledge (PMBOK)® Guide. PMI members receive this guide with their memberships. Nonmembers must purchase the PMBOK if they want to use it to prepare for the exam. PMI bundles this edition of the PMBOK Guide with its Agile Practice Guide, which is available to purchase from PMI for $49.

Note that starting in 2023, the CAPM test will no longer be based on the PMBOK Guide.

Resources and Practice Tests

For the current version of the CAPM exam, test-takers should review the sixth edition of the PMBOK. PMI also recommends those pursuing CAPM certification to prepare through courses and study groups in addition to self-study. Local PMI chapters often offer formal study courses, as do PMI-authorized training partners. Costs vary among providers.

CAPM candidates may take practice exams as well. The costs of these exams widely vary, and there are some free practice exams available online. PMI offers sample test questions and the CAPM handbook—both excellent tools for self-study—online for free.

CAPM Renewal Costs

The CAPM renewal fee is $60 for PMI members and $150 for nonmembers. CAPM-certified professionals who want to maintain their CAPM status must renew their certification every three years, during which they must complete 15 professional development units.

PMI periodically updates the renewal process for CAPM certification, so make sure to check PMI’s website to stay on top of the most current renewal requirements and costs.

CAPM Salary and Job Growth Potential

PMI projects that the global economy will need 25 million new project management employees to meet demand by 2030: 12 million due to the field’s projected expansion, and 13 million due to worker retirements. This amounts to 2.3 million project management job openings per year until 2030, indicating strong, steady growth for the field.

Even early-career project management professionals earn relatively high salaries as well, according to PMI. In the U.S., project professionals with less than three years of experience earn a median annual salary of $78,279.

Below we list a few roles, spanning from entry-level to senior positions, that you may qualify for with a CAPM certification.

Project Management Analyst

Median Annual Salary: $93,000

Job Description: Management analysts make recommendations to Improve organizations’ efficiency. These professionals, also called management consultants, analyze how an organization might increase its profits by reducing costs and increasing revenues and advise managers accordingly.

Management analysts should have a bachelor’s degree and several years of work experience. CAPM certification is not required for this role, but it can bolster your resume.

Project Coordinator

Average Annual Salary: More than $48,000

Job Description: Project coordinators assist project managers by organizing projects to ensure they’re completed on time and within budget. These professionals coordinate project management activities, resources and equipment. They also collaborate with clients to identify and define project objectives, requirements and scope.

Project coordinators analyze risks, monitor project plans and oversee work hours, schedules and spending. Project coordinators often organize and participate in stakeholder meetings.

Project Manager

Median Annual Salary: $94,500

Job description: Project managers provide critical leadership to help organizations complete projects. These professionals oversee ongoing projects to ensure teams meet deadlines, project requirements and client expectations. They submit deliverables, prepare status reports and streamline communications between teams, team members, stakeholders and clients. They help identify and resolve issues that arise during the project duration.

Project Management Director

Average Annual Salary: More than $123,000

Job description: Project management directors strategically develop, direct and manage multiple projects within larger organizations. They establish methodologies and standards to set measurable quality and productivity targets. These professionals oversee finances, coordinate resources within the defined scope and monitor potential risks to ensure teams complete projects on time and within budget.

Is a CAPM Certification Worth It?

The CAPM certification is a respected designation that indicates a commitment to the field and certifiable knowledge and experience in project management. If you’re contemplating earning a CAPM certification, consider the following factors before taking the plunge.

Consider Your Career

A CAPM certification can help individuals with up to three years of experience in project management boost their resumes and help their job applications stand out.

The certification is a solid place to start if your professional goals include project management. It can serve as a stepping stone toward more advanced positions and certifications in the field, such as the Project Management Professional (PMP)® credential. In fact, CAPM certification fulfills the formal training PMP certification requirements.

Look at Earning Potential

Earning CAPM certification can increase your earning potential. Payscale reports that CAPM-certified professionals earn around $68,000 per year. Note that several factors can impact your earning potential, including your level of education, job title, location and professional experience.

Expand Your Job Opportunities

CAPM certification assesses candidates against strict guidelines that demand competency in and knowledge of project management skills, methodologies, processes and best practices. This professional designation can help your resume stand out and supply you a competitive edge when applying for jobs. It signals to employers that you can successfully fulfill their roles, duties and responsibilities.

A Stepping Stone to the PMP Certification

CAPM certification builds a strong foundation in project management fundamentals and can serve as a stepping stone toward the PMP certification. Before applying for the PMP exam, candidates must meet the following requirements.

  • Hold a four-year degree.
  • Have 36 months of experience in leading projects.
  • Complete 35 hours of project management education or training or CAPM certification.

Alternatively, you may:

  • Hold a high school diploma or associate degree.
  • Have 60 months of experience leading projects.
  • Complete 35 hours of project management education or training or CAPM certification.
Thu, 01 Dec 2022 11:04:00 -0600 Mariah St John en-US text/html
Killexams : thinking about Social Security benefit cuts? Calculators can gauge how changes may affect you

Hobo_018 | E+ | Getty Images

How to measure the effects of a benefit cut

Covisum, a provider of Social Security claiming software, recently updated its calculator to reflect the Social Security trustees' latest projections. Offerings include a free version for consumers and a more complex paid version for financial advisors.

Another product, Maximize My Social Security, lets consumers evaluate for a $40 annual fee which claiming strategy might best suit them. It also has a separate version for financial advisors.

The free Covisum calculator can help people do a quick calculation based on their benefits alone and some key facts — year of birth, full retirement age benefit amount, percentage of the benefit cut and the year that benefit cut occurs.

So someone turning their full retirement age this year, for example, can calculate the effect of a 23% reduction in benefits starting in 2034, as well as the effect of no benefit cut. For each scenario, the calculator will show the value of claiming either at age 65 or age 70, and when beneficiaries stand to get the maximum amount possible from the program. As beneficiaries live longer, the value of waiting to claim until 70 goes up, as demonstrated in the difference in total benefits per the tool's calculations.

Why Americans are finding it more difficult to retire

watch now

The free calculator is just a starting point, though, when it comes to getting a sense of the trade-offs when claiming Social Security, according to Joe Elsasser, founder and president of Covisum.

Because there are thousands of Social Security claiming rules, a more in-depth analysis can help identify the best way to get the most from the program for your unique situation.

For example, married couples really should coordinate their benefit choices, Elsasser emphasized.

"Couples should make the decision together because on the first death the smaller benefit goes away and the larger benefit continues," Elsasser said.

Why it's important to stress-test your plan

Elsasser said he doesn't necessarily tell his clients to plan for a benefit cut but that it is important to gauge the potential impact.

"We advise them to plan under current rules, because in the past, there's always been a compromise," he said. "But then stress-test the plan and say, 'Are we OK if we do get a benefit cut? And if we do, what is our plan?'"

If the outcome is unacceptable, then it may be time to make changes such as reducing spending, saving more or working longer to make sure you can weather those possible cuts, Elsasser said.

Wed, 07 Dec 2022 02:23:00 -0600 en text/html
Killexams : Open Record: Cost and benefit

While you have probably heard of a payday loan, what do you know about installment loans? The quick-cash method that could have you taking a big risk. Plus, hearing aids are now available over-the-counter. How do they stack up against prescription hearing aids? In this episode of Open Record, FOX6 Investigator Bryan Polcyn invite Contact 6's Jenna Sachs on the episode to talk about two of the latest consumer issues to hit the FOX6 inbox: Installment loans and OTC hearing aids. Jenna explains what an installment loan is the risks associated with getting one. She also breaks down the difference between over-the-counter hearing aids and ones you get with a prescription.

Related episode links:

If you have an issue that needs investigating or have a question for our Off the Record segment, email the FOX6 Investigators.

Thu, 01 Dec 2022 05:15:00 -0600 en text/html
Killexams : Benefit offerings of the future will blend digital and human-powered solutions

Andrea Piacquadio from Pexels

When business and HR leaders look for new benefit offerings to support the health and well-being of their employees, one saying holds true: there's probably an app for that. There is no doubt that technology helps solve countless challenges for employees both in the workplace and at home.

What must not be overlooked, however, is that much of the technology we rely on daily — like web conferencing, intranets and social media — is focused on enabling human connection. This focus on technology that enables human connection should also be applied to employee benefit offerings.

Think about some of the most pressing challenges employees face: caregiving, financial wellnes, mental and physical health conditions. These challenges are incredibly complex, and employees are still left navigating these challenges alone even with the support of digital solutions.

Read more: How SAP leans on telemedicine to deliver 'whole-person care'

According to Deloitte, a quarter of consumers are overwhelmed by the devices and subscriptions they need to manage. Now consider how a telemedicine app, mental health subscription, wellness tracking program and other platforms leave your employees swimming in technology. At the end of the day, we want employees to utilize these offerings, but before adding on a shiny new digital solution, take a step back and consider how each solution might enable human connection when employees need it most.

As a first step, consider what your workforce looks like and what their technology and communication preferences might be. For example, does your company have a slightly older workforce, where you may need to consider having more human connection and face-to-face interactions when discussing benefits? Or do a good portion of the population fall in the working parents or sandwich generation buckets and may prefer a self-service model?

In some cases, you may have an employee population that prefers to work independently, automate processes, and ensure all of their devices are connected. These technology-forward employees will likely favor a digital tool that they can tap into on their own time and do not mind connecting with bots or AI solutions. Even so, there are only so many late-night chat bots and googling sessions we can take before wishing we could just talk to a human about our issue.  

In other cases, employees may prefer having an up-front concierge solution where they are connecting with an expert individual who can guide them, help walk through their options and answer any questions they may have in real time.

Read more: 'Alexa, what's conversational AI?': The role of virtual assistants in the workplace

If you're not sure where your workforce falls on this spectrum, employee surveys and pulse checks from HR teams can provide invaluable insight and show employees that the company is deeply invested in ensuring they feel supported in HR and benefits-related matters. Asking how employees prefer to digest their benefits, interact with their insurance companies or other partners, and utilize the offerings can help guide your decision making.

Ultimately, companies want employees to utilize the benefits offered, and not everyone wants just another app to obtain or platform to log into. As with a hybrid work model that many companies are adopting, a blended digital and human-powered approach to benefit offerings is the solution that truly meets employees where they are. Consider looking for benefit partners and solutions that take this blended approach.

As we continue to live in the Great Resignation and quiet-quitting eras, companies who listen to employees' needs and customize offerings or solutions to meet those needs can expect higher employee engagement and utilization of benefits or other company offerings.

Mon, 05 Dec 2022 19:00:00 -0600 en text/html
Killexams : Universal Credit and other benefit payments date are changing for some people this month

There are several bank holiday days coming up over Christmas and New Year - and these might affect your benefit payments if you're due money on one of these days

Benefit payments could change for some people this month

Benefit claimants may find their payments arrive earlier this month due to the Christmas and New Year bank holidays.

If your money does get sent early, it means your bank account will be replenished sooner than expected following the busy festive season.

But this does mean you’ll need to make your cash last longer. Make sure you budget in January to take any payment changes into account.

There are a few bank holiday days to be aware of over the next few weeks.

Some Christmas and New Year bank holiday days fall on slightly different dates this year - so make sure you jot down all the key days below.

Universal Credit payments could be affected by the bank holidays (



Benefit payments over Christmas explained

The Christmas bank holiday dates are:

  • Monday, December 26
  • Tuesday, December 27 (replacement Christmas Day bank holiday)

The Department for Work and Pensions (DWP) has yet to confirm a full list of benefit payment date changes for Christmas.

But normally, if your benefit payment falls on a bank holiday, then you should receive your cash the previous working day.

This means if you're due a payment on one of the days mentioned above, it is likely you'll be paid on Friday, December 23.

Tax Credit households should be aware of some other changes to their payments.

The DWP website confirms these benefits due on Wednesday, December 28 will also be paid on Friday, December 23 as well.

For payments of Tax Credits due on Thursday, December 29 in England and Scotland, these will be paid on Wednesday, December 28.

The amount you receive in benefits won’t change, and you’ll be paid into your bank, building society or credit union account as normal.

Benefit payments over New Year explained

The New Year bank holiday dates are:

  • Monday, January 2 (replacement New Year's Day bank holiday)

The DWP also hasn't confirmed a full list of benefit payment date changes for the New Year period.

If it follows the normal patterns, it is likely you'll be paid on Friday, December 30 if your benefit is normally due on January 2.

Tax Credit households expecting a payment on Tuesday, January 3 will also be paid on December 30.

Or if you're due a Tax Credits payment on Wednesday, January 4 in England and Northern Ireland, you should be paid on Tuesday, January 3.

Again, how much you receive in benefits won't be affected by the bank holidays and it'll be paid into your regular account.

When are benefits normally paid?

How often you get paid your benefit depends on what type of support you claim.

For example, you’ll get paid Universal Credit on the same day each month, while Tax Credits are typically paid every four weeks or weekly.

Child benefit is usually every four weeks on a Monday or Tuesday.

See the full list of how often certain benefits are paid below:

  • Attendance Allowance - Usually every four weeks

  • Carer’s Allowance - Weekly in advance or every four weeks

  • Child Benefit - Usually every four weeks, or weekly if you’re a single parent or you or your partner get certain benefits

  • Disability Living Allowance - Usually every four weeks

  • Employment and Support Allowance - Usually every two weeks

  • Income Support - Usually every two weeks

  • Jobseeker’s Allowance - Usually every two weeks

  • Pension Credit - Usually every four weeks

  • Personal Independence Payment - Usually every four weeks

  • State Pension - Usually every four weeks

  • Tax credits - Every four weeks or weekly

  • Universal Credit - Every month

What if I don't get paid?

If you don't get your benefit payment when you expected to, first check double-check the date on your award notice and your bank account.

If you've got the right date, and the money isn't there, you should contact the relevant helpline.

Do keep in mind these are unlikely to be open on bank holidays.

Universal Credit:

Child benefit:

Tax credits:

Jobseeker’s Allowance, Income Support, Incapacity Benefit and Employment and Support Allowance:

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Wed, 30 Nov 2022 23:24:00 -0600 en text/html
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