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MOS-E2E - Excel 2000 Expert - Dump Information

Vendor : Microsoft
Exam Code : MOS-E2E
Exam Name : Excel 2000 Expert
Questions and Answers : 30 Q & A
Updated On : October 19, 2018
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MOS-E2E Questions and Answers

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MOS-E2E Excel 2000 Expert

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MOS-E2E exam Dumps Source : Excel 2000 Expert

Test Code : MOS-E2E
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Q&A : 30 Real Questions

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Microsoft Microsoft Excel 2000 Expert

Microsoft Excel for office 365 evaluation | killexams.com Real Questions and Pass4sure dumps

The spreadsheet software turned into one of the first killer purposes for the home computing device – as in the one application you possibly can truly buy a laptop for – and for greater than 30 years, Microsoft Excel has been surroundings the standard for what a spreadsheet app may also be.

lots has modified in technology over these three many years though, and today it's the cloud and the smartphone that dominate the landscape, rather than the desktop laptop. So what does Excel ought to present in 2018?

that you could prefer up Microsoft Excel as a part of an office 365 subscription, or with a one-off purchase of workplace 2019 (although the latter doesn't give you ongoing updates and some cloud points).

Microsoft Excel for workplace 365: interface

The ribbon interface sported by way of all Microsoft workplace purposes, Excel blanketed, became controversial when it become first brought. these days notwithstanding, it looks like a herbal way of getting all of Excel's many aspects and features in entrance of the consumer in some kind of order (and Microsoft says it's experimenting with additional improvements to the ribbon that should still debut within the near future).

Microsoft Excel review

it truly is no longer to say comprehensive freshmen are going to be able to fire up Excel and immediately master conditional formatting and pivot tables, however down the years Microsoft has cleverly subtle the software's interface to be just about as neat and tidy as it can be. there's respectable use of color, icons, drop-down menus and dialog containers.

The 'inform me what you are looking to do...' field at the top is likely one of the extra contemporary tweaks to the Excel interface (that you would be able to find it in the other office apps as smartly), and it does an excellent job of helping you locate what you're looking for devoid of taking you via a maze of alternate options and menus. Likewise the formula builder is a helpful help for those that may no longer have lots of years of adventure with the program.

Excel's interface makes good use of house and imagery, and the appropriate alternatives pop up at the appropriate time – select a chart, as an instance, and also you get alternate options to edit the chart facts, vogue and filters correct away, without needing to hunt around for these tools on the ribbon menu.

Microsoft Excel review

in terms of the way Excel is now designed and appears on-monitor, it's a lot greater modern in its use of points and colours than previous types, and really a part of Microsoft office as a whole – which hasn't at all times been the case. The ribbon menus could no longer be to all and sundry's taste, but they work.

Microsoft Excel for workplace 365: features

if you need a spreadsheet application to do something, Microsoft Excel can do it – that is been a given for a couple of years now, and for a long time Microsoft has been refining and tweaking the equipment that are available in Excel as opposed to adding any primary new ones.

Microsoft Excel review

recent updates encompass extra superior chart varieties, integrated forecasting in accordance with current records, more suitable pivot tables and move-tabulation of facts, built-in 3D mapping of data and the addition of an influence question plugin for piping in more records from extra facts sources in an easier trend. whatever thing category of significant quantity crunching you or your company offers in, Excel can cope – now not always some thing you could say about Google Sheets.

additionally for greater advanced users, we now have considered the introduction of a broader latitude of supported facts forms, including shares and geographical information. As a part of a big force into synthetic intelligence, Microsoft has added a tool known as Insights, the use of AI to highlight patterns and anomalies in statistics stages (like a monthly expenditure it is way higher than it'll be, as an example).

Of route all the basics like charts and formulas are handled with aplomb, while your sheets get greater and extra complicated. although you are not a spreadsheet expert, which you can put collectively rows and columns of information, then add associated charts, and have all of it searching very professional in minutes – that's a part of the power of Excel.

Microsoft Excel review

even though it lagged behind the other workplace apps during this regard, collaboration and co-authoring equipment are actually up and working in Excel, and work very smartly. so long as your spreadsheet is saved in OneDrive, that you can work on it concurrently with a bunch of comrades, devoid of losing track of who's doing what and when.

Microsoft Excel for workplace 365: cellular and internet

As now we have already mentioned, the leading bulk of Excel has remained generally the equal for years – Microsoft has stuffed relatively tons all of the spreadsheet features it might probably into the program now, so new updates are likely to revolve round visible refreshes or extra minor advancements. however, there have been loads of changes on the internet and on cellular in recent years.

Microsoft Excel review

regardless of a bit of unclear beginnings, Excel on the internet and Excel for Android and iOS are now perfectly ready utility packages – equipment that are in reality if truth be told useful if you happen to're using a pc devoid of Excel installed, or in case you deserve to sort out some edits on a telephone or tablet.

They can not healthy the performance of Excel on the desktop – Excel on-line lacks extra advanced features like conditional formatting, advanced charts, pane freezing, records validation, locate and replace, and so on. it works very smartly as a file viewer, for primary edits, and for participating on files, however's nevertheless restricted.

it's greater or much less the same story on Android and iOS. There are plenty of barriers in what that you can do, but the interface is contemporary-looking and well-introduced, and Microsoft deserves credit score for (finally) establishing apps that are going to are available effective on occasion (particularly if you consistently find yourself the usage of a Chromebook or pill).

Microsoft Excel review

You can also create spreadsheets on the net or within the mobile apps, if you wish to make a birth while you are out of the office after which switch to the established desktop courses for those who get lower back to your laptop. The optimum technique to keep information in sync is OneDrive, though Dropbox is additionally supported as a storage answer.

Microsoft Excel for workplace 365: pricing and verdict

if you do not take the one workplace 2019 buy choice, workplace 365 business will cost you £7.ninety per user monthly (plus VAT) when you are paying annually, or £9.50 per consumer per 30 days (plus VAT) if you're paying monthly – the respective US prices per consumer are $eight.25 monthly (annual funds) and $10 monthly (monthly payments). You do get the choice of a 30-day free trial so that you can look at various it out first.

Microsoft Excel review

there's no doubt Excel is the most finished and strong spreadsheet package on the earth – nothing else basically comes close. What options like Google Sheets offer are, arguably, sooner efficiency in a simpler interface – however Microsoft has still managed to hold Excel looking clean and up to date.

while the web and cell apps could use some work, they are both very in a position at enabling you to stick with it working on the move, while the computing device version continues to enrich with improved sharing and collaboration equipment. Excel is still the gold average of spreadsheet functions.


this is the One thing make sure to under no circumstances Put on your Resume | killexams.com Real Questions and Pass4sure dumps

Ask a room filled with hiring managers which resume cliche is obviously to make their eyes roll again in their heads, and that they’ll probably all provide the equal line:

“expert within the Microsoft workplace Suite.”

This string of apparently innocuous words sunk its hooks into the job seeker’s lexicon years in the past, and remains a resume staple to this present day—and for no good motive.

Yeah, all and sundry wants to flex a little. but padding your resume with “competencies” shared by using each person with an office job alerts to employers that you basically don’t have any knowledge in any respect. It might even throw you out of the operating.

“In 2018, if you’re trying to get a job, the presumption might be that you're desktop literate,” says profession consultant Carlota Zimmerman. “If a shopper severely advised me she turned into going to write down ‘proficient in MS office Suite’ on her resume, I’d ask her, ‘Why cease there? can you additionally use a knife and fork?'”

this is not to disparage the entire Microsoft suite of courses, nor its clients: advantage in some Microsoft equipment, equivalent to Excel, OneNote, or PowerPoint, will also be desirable to recruiters. however there are more desirable ways to brag about your competencies than counting on a stale catchall time period.

here are a number of resume dos and dont’s to keep in mind.

DON’T listing Microsoft word for your resume. duration.

The simplest issue worse than the use of “knowledgeable in Microsoft workplace Suite” as a stand-in for, you recognize, exact abilities is using “Microsoft observe” instead.

You wrote your resume the use of some kind of observe processing application, right? It stands to cause that you've a baseline abilities of the most standard one accessible. No deserve to name consideration to a software most middle-schoolers can deal with.

“record Microsoft word as a skill should still be removed from each resume,” says Andrew Selepak, a communications expert and professor on the tuition of Florida. “You wouldn’t checklist the capability to classification in a resume that you typed. if you shook fingers with a person all the way through a job interview, you wouldn’t inform them considered one of your largest knowledge is the capability to shake arms.”

DO encompass programs where you've got knowledgeable-stage capabilities.

just a few particular person Microsoft classes — and certain capabilities inside these programs — do deserve a nod. maybe which you can work Excel pivot tables like no person’s business. Or possibly you’re the just one on your group who can whip up a memorable PowerPoint presentation. In those instances, think free to pepper in a couple of of these knowledgeable-stage skills. simply be specific.

“Detailing your actual competencies of the utility is a very good manner to face out,” says Zachary Vickers, a career adviser and hiring manager at Resume associate. “expand upon exactly how you’re expert with the Microsoft office Suite. mention that you just understand a way to construct spreadsheet formulation in Excel, export PowerPoint slides into video formats, or merge productiveness apps with Outlook.”

DO figure out alternative routes to blow their own horns.

There’s a change between capabilities and journey: It’s the divide between what you can do and what you’ve already accomplished. Recruiters want to see the latter, and business-certain keywords that replicate that event. So however you’re applying for a place that would basically require you to make use of classes like be aware and PowerPoint, it’s enhanced to provide particular examples of the way you used the classes, as a substitute of simply ticking them off.

“If I’m hiring for an admin assistant or statistics entry position, I opt to see things like how many words per minute you can type, or examples of content material you wrote … corresponding to respectable company letterheads or ebooks,” says Amine Rahal, founding father of the digital marketing firm IronMonk.

DON’T claim knowledge you don’t have.

Many job seekers declare to be “fluent” in the entire Microsoft workplace Suite, profession experts say, when what they in fact imply is, “i use Microsoft notice and that i’ve opened PowerPoint a couple of times.”

“Job seekers might also have a unfastened interpretation of the word trained,” says Andrew Quagliata, a lecturer in management communication at Cornell.

Quagliata used to work as a manager, and says he once realized after the indisputable fact that a new employ had lied about her capabilities. After that, he begun testing candidates. “I still be aware the time a candidate stood up and walked out of an interview within the middle of an Excel evaluation,” Quagliata says. “He had listed ‘informed in Microsoft workplace’ on his resume.”

Be sincere: Do you actually be aware of each software just like the back of your hand? in case you’re embellishing, it may backfire.

DO pay consideration to the job advert.

There’s one exception to fairly plenty all of the above: if you’re sending a resume in keeping with an ad that particularly seeks office skills. That’s as a result of applicant tracking programs, the utility companies use to type online purposes, are programmed to scan resumes for key phrases concerning the job posting.

If the ad you’re making use of to has Microsoft office software amongst its required competencies, you'll want to truly create a edition of your resume that contains it. reflect the advert’s phrasing as is — whether that’s checklist each particular person application or using the catchall “Microsoft office Suite.”

“Employers’ software isn’t sensible enough to remember that Microsoft office comprises Excel, word and PowerPoint, so if the job posting lists the selected courses, your resume should list each and every application, too, so you can in shape these keyword phrases,” says knowledgeable resume author Kelly Donovan.

but once again, if a job advert doesn’t encompass office as a requirement, bypass it for extra significant data.

“Put your self within the mind of the recruiter,” says Ben Guez, founder of a different advertising and marketing agency, Laxir. “feel, what ability will be positive for the position? If i am trying to find a digital marketer I want to see ‘Google Adwords, ‘fb ads,’ and ‘social media.’

“I don’t definitely give a rattling in case you were doing top notch PowerPoint in faculty … It received’t deliver value to the company.”


Microsoft Upgraded workplace Compatibility Pack for be aware, Excel, and PowerPoint 2007 | killexams.com Real Questions and Pass4sure dumps

by means of the Microsoft office Compatibility Pack, the Redmond business delivered clients the possibility of managing information from any workplace 2007 software with old types of word, Excel, and PowerPoint. Made purchasable in April 2007, the Microsoft workplace Compatibility Pack for notice, Excel, and PowerPoint 2007 is concentrated on enabling clients to "open, edit, and save files, workbooks, and presentations" with the aid of leveraging the file codecs of the office 2007 equipment.

The Compatibility Pack is supported exclusively on home windows 2000 service Pack four; windows Server 2003 and home windows XP carrier Pack 1. "A compatibility pack is obtainable to make certain that you should open and retailer workplace Open XML formats in previous models of Microsoft workplace. you can installation the compatibility pack on a computer that's operating Microsoft workplace 2003 programs, Microsoft office XP classes, or Microsoft office 2000 classes. for those who set up the compatibility pack, that you may open, edit, retailer, and create files in the strong office Open XML codecs," Microsoft revealed.

With the Compatibility Pack, Microsoft goals to generalize the usage of its new workplace Open XML file codecs, applauded for the high degree of safety they carry. Concomitantly, Microsoft is additionally making an attempt to create a powerful conclusion user support base for the international standardization of Open XML. Microsoft office Compatibility Pack for word, Excel, and PowerPoint 2007 launched on June 18 2007, has been upgraded with the workplace isolated Conversion ambiance (MOICE), a tool designed to convey a further layer of security to file codecs from prior models of the workplace suite. MOICE is a security enhancement designed to deliver the advantages of the brand new office 2007 'Metro' layout to office 2003, XP, 2002 and 2000. Microsoft security professional, David LeBlanc, published that MOICE uses conversion with a purpose to mitigate the threats linked to malformed workplace files.

Microsoft workplace Compatibility Pack for notice, Excel, and PowerPoint 2007 File formats become verified via Softpedia as being 100% clean and is purchasable for down load here.


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MOS-E2E exam Dumps Source : Excel 2000 Expert

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Q&A : 30 Real Questions

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Behind Bavaria's harsh rhetoric, schools offer migrants warm welcome | killexams.com real questions and Pass4sure dumps

WEIDEN, Germany (Reuters) - Omar Alnifawi was 16 when he fled Syria’s civil war with his family. After four years working menial jobs in Lebanon to help pay for their journey on to Europe, he had given up on ever going back to school.

Six years later, Alnifawi is enrolled at the Europa Vocational School in the southern German state of Bavaria and plans to become a mechanic.

“My friends who live outside Bavaria and who are almost as old as I am ask me: ‘How come you can go back to school and we can’t?’,” he said in the town of Weiden, near the Czech border.

Politicians in Bavaria’s conservative ruling party, the Christian Social Union (CSU), are some of the harshest critics of Chancellor Angela Merkel’s open immigration policy. But they have also put in place one of Germany’s most accommodating education programs for immigrants allocated to the state.

Their view is if migrants are in Germany to stay, they need to go to school so they can work - a pragmatic strategy they hope will help fill job vacancies, integrate the newcomers and appeal to voters bleeding left and right in Sunday’s regional election.

Since the number of asylum seekers started to rise in 2011, Bavaria has raised the age for compulsory education for asylum seekers and refugees to 21, against 18 in the other 15 states. In some cases, like Alnifawi’s, educators can apply for an extension to keep migrants in school until the age of 25.

Most of the students are in vocational schools, with the option of moving to university-track high schools if they excel.

Bavaria has spent hundreds of millions of euros since 2015 to hire more than 2,000 teachers to teach German to some 58,500 refugee children. That compares to 1,500 positions set up by Germany’s biggest state, North Rhine-Westphalia (NRW), for language classes for 95,000 children.

This year Bavaria has allocated 938 million euros ($1.1 billion) for integration efforts, more than any other state.

It can afford to be generous. The state economy, home to nine blue-chip DAX-30 companies including carmaker BMW, engineering giant Siemens and sports retailer Adidas, grew 2.8 percent last year, outpacing the national rate of 2.2 percent and resulting in a 3-billion-euro budget surplus, the highest in Germany. North Rhine-Westphalia had a deficit.

Bavaria is also acting on the new national philosophy that migrants today should assume a German national identity, in sharp contrast to the 1950s and 60s when “guest workers” were welcomed on the expectation that they would eventually leave and not integrate.

“In other states, there is more pro-integration rhetoric and less action,” said Prof. Axel Pluennecke of the Cologne Institute for Economic Research (IW). “The opposite is true in Bavaria: the rhetoric might sometimes be negative but the amount of money and effort being thrown at integration is incomparable.”

The effort appears to be paying off. Migrants in the state, which has taken in some 230,000 asylum seekers, are less likely to fall into poverty and have higher employment rates than anywhere else in Germany, according to a bi-yearly report commissioned by the states to monitor integration.

Migrant pupils in Bavaria also score higher in national tests, according to the Education Monitor, a report on the state of education in Germany published by Pluennecke’s institute.

Asked if NRW plans to raise the mandatory age for refugees as Bavaria has done, an official at for the state’s education ministry who declined to be named said it was looking into additional measures for older refugees.

“NRW offers young refugees between the ages of 16 to 25 many education possibilities outside and inside the school system,” the official added, without giving details. He declined to be named.

BLUEPRINT?

Officials at the federal level say they are looking at Bavaria’s program as a possible blueprint for the nation.

“We are certainly looking at what is being done with migrants in Bavarian schools,” said a senior federal official who is familiar with the government’s thinking.

Students listen to teacher Manfred Wichmann in a classroom at the Europa-Berufsschule vocational school in Weiden, Germany, September 25, 2018. REUTERS/Michael Dalder

“Raising the mandatory vocational school age for migrants could certainly be one of our recommendations.”

It is essential that Germany get this right.

The drop-out rate among migrants is 14.2 percent, compared with a national average of just under six percent. Migrant youth without a school certificate will find it harder to get one of the estimated 1.2 million jobs that are currently vacant - the main concern of an immigration law agreed October 1.

“Most of the young migrants are eager to work. They piled up debt to come here or they have families to support back home,” said Thomas Liebig of the Organisation for Economic Co-operation and Development. “If they get a chance to do a small job, they will and it will be difficult to bring them back into the education system. So it’s important to intercept them early.”

But polls indicate the CSU, which has ruled Bavaria for almost six decades, will lose its absolute majority in the parliament on Oct. 14, giving ground to the ecologist Greens, on the left, and on the right, the anti-Islam Alternative for Germany (AfD).

Political analysts say that’s because CSU leader Horst Seehofer’s attempts to sound as anti-immigration as the AfD have backfired.

“Voters who have decided to vote AfD will do so because they don’t believe his anti-immigration rhetoric is genuine,” said Julia von Seiche-Nordenheim, chairwoman of the ‘Education instead of Deportation’ refugee charity in Regensburg.

“At the other end of the spectrum, people don’t see refugees as a threat... Those voters are going to the Greens,” she said. A longtime CSU voter, von Seiche-Nordenheim said she plans to vote for the Green party.

CUSTOMIZATION

Another problem in other states is that language courses funded by the government are only open to accepted refugees and asylum seekers from five countries with protection approval rates of 50 percent or more: Syria, Iraq, Eritrea, Somalia and Iran.

This means that asylum seekers from other countries, who make up about 50 percent of all applicants, can only access those courses once their applications have been approved, which takes seven months on average.

In Bavaria, mandatory schooling applies to all asylum seekers, regardless of the status of their application.

“Bavaria has customized its vocational school system to meet the needs of refugees,” said Barbara Weiser, a lawyer and education expert with the Catholic charity Caritas.

About 55 percent of the 1.6 million people who have come to Germany seeking asylum over the last four years are under the age of 25. Many came from war zones and spent years with little or no schooling.

“Most of the pupils who came to us over the last three years were unaccompanied minors,” said Manfred Wichmann, head of the migrant education program at the Europa Vocational School. “Not only did they come without their parents, they had nothing to prove what education they had.”

The school created six classes this year in math, science and German language, history and culture for 110 migrants. The program ends with a test, which between 80 and 85 percent of pupils have been passing, Wichmann said. Those who fail can repeat.

Successful pupils move on to a program that combines up to 3-1/2 years of on-the-job learning alongside theory lessons at school. Students choose from dozens of professions, from baking and hairdressing to banking and electronics.

In one recent lesson, the teacher quizzed students about events in Bavaria’s history like the 1936 Winter Olympics and the 1939 attempt to assassinate Adolf Hitler in Munich, as well as contemporary issues such as the regional vote.

After the class, Alnifawi said he dreams of settling in Germany with a wife, children and a house in the countryside.

“But I know that without an education none of this is possible.”

Slideshow (6 Images)

Additional reporting by Christina Amann in Berlin; Editing by Sonya Hepinstall


GED and other high school equivalency degrees drop by more than 40% nationwide since 2012 | killexams.com real questions and Pass4sure dumps

Red states are where the annual issuance of new high school equivalency diplomas has fallen by more than 50 percent between 2012 and 2016. Orange depicts drops greater than 20 percent. Yellow states dropped less than 20 percent. Data unavailable for Oklahoma. Data source: Thomas J. Hilliard, Center for an Urban Future. Map created by Jill Barshay/Hechinger Report

High school graduation rates have soared in recent years, hitting a new record of 84 percent for 2015-16 in the most recent federal government count, but there are still millions of Americans who didn’t get a diploma in high school. Their best shot at earning one is passing a high-school equivalency exam, what was known as the GED before 2014 but has now splintered into three exam options: the new GED, the TASC and the HiSET.

Little is known about what has happened to adult learners seeking high school degrees since the old GED exam disappeared because annual data is no longer published as it used to be every year. But thanks to a data collection effort by an expert in adult education at a nonprofit research organization in New York, Center for an Urban Future, we now have evidence of a sharp decline in new high school equivalency degrees in almost every state between 2012 and 2016.

Specifically, the annual number of test takers who completed one of the three exams has fallen more than 45 percent from more than 570,000 in 2012 to roughly 310,000 in 2016. The number passing the exam and earning a diploma has decreased more than 40 percent from almost 400,000 in 2012 to just over 225,000 in 2016.

“It’s a clear trend,” said Tom Hilliard, a senior fellow at the Center for an Urban Future, which primarily studies economic growth in New York. “Every state has fewer people obtaining high school equivalencies. We need to have alternative routes for people who don’t graduate from high school. Communities and states that have large populations of people who lack a high school credential are places that will have heavy users of public services, whether welfare or Medicaid.”

For the 32 million adults aged 18 and older who lack a high school diploma, an equivalency degree can be a path to the middle class. “It’s a stepping stone to some sort of post-secondary credential, which determines your economic mobility in life,” said Hilliard, adding that a high school degree is a prerequisite to pursue many professional certifications, from emergency medical technician to truck driver.

The decline in equivalency exams is affecting some states more than others.  In Alabama, equivalency diplomas have dropped by two-thirds from almost 8,000 annually to fewer than 3,000. (To put that in context, nearly 475,000, or roughly 15 percent of Alabama’s adults over 25, lack a high school degree or its equivalent.) The drop in equivalency diplomas was smaller in California — only a one-third decline — but that represents 10,000 fewer people earning degrees annually.

Hilliard says more research is needed to ferret out the root causes for the drop, but he suspects the problem is the combination of introducing new, more difficult exams amid state budget cuts.

The number of people who obtained a high school equivalency degree dropped in every state around the nation between 2012 and 2016, before and after new exams were introduced. Red states are where the numbers dropped by more than 50 percent. 

(Click on any state to see data on the number of students who took and passed a high school equivalency exam. Click and drag the map inside the window to navigate to states that aren’t visible. Testers refer to people who took and completed a full equivalency exam, which can be taken in several parts and sittings. States with a 50 percent drop in new equivalency degrees are colored in red. Orange signifies drops between 20 and 50 percent. Yellow states experienced more modest drops of less than 20 percent.  Interactive map created by Jill Barshay of The Hechinger Report. Source data: Center for an Urban Future)

In 2014, the old GED the exam was revamped and the two new exams, TASC and HiSET, entered the market. Some states offer only one of the three exams; others give adult learners an option of choosing among them. All three new tests are more rigorous than the old GED and were designed to mirror the changes in traditional high schools with the introduction of Common Core standards. The new exams test critical thinking and problem solving, not just rote memorization. In Hilliard’s analysis of New York state’s results, he found that the math section of the test was the biggest stumbling block for students.

Related: College students predicted to fall by more than 15% after the year 2025

At the same time, adult education spending by the federal government dropped 20 percent between 2000 and 2015 and hasn’t fully recovered. Many state budgets for equivalency test preparation were also cut. For example, in New York State, the primary funding source for adult education is the Employment Preparation Education program. Its annual budget is still $96 million, the same that it was 22 years ago. In real dollars, after adjusting for inflation, that’s a significant budget cut. Part of this budget was reallocated to another program, unrelated to high school equivalency. Under these financial pressures, it has been difficult for adult education centers to hire qualified teachers and give them the training to teach different and more challenging material.

Pass rates, the ratio of those who pass the exam to those who took it, are actually up. Almost three-quarters of the students who take and complete an exam passed it in 2016, compared with less than 70 percent in 2012, under the old GED. The problem is that too few students are taking the exams, and that’s why the number of equivalency degrees is down so sharply. It’s unclear from this data whether as many students are still enrolling and participating in adult education courses to prepare for these exams or if they are getting discouraged from attempting them as they study and take practice tests.

To be sure, we might have seen a drop in test takers and equivalency diplomas even if the exam hadn’t changed and instruction budgets hadn’t been pinched. The flip side of soaring high school graduation rates is a smaller pool of people without a traditional high school diploma. But Hilliard studied the pool of young adults 18 to 24 who lack a high school diploma — 4.3 million in 2016  — and the slower growth in that pool would account for only a small percentage of the equivalency decline, perhaps 10 or 15 percent. In other words, high school graduation rates haven’t soared rapidly enough to explain dramatic 40 percent declines in equivalency test taking and passing.

Economic recovery after the 2008 recession also reduced demand for equivalency degrees. When jobs were scarce, adults flocked to education to burnish their credentials. A high school diploma is the first step toward returning to college or getting a post-high school certificate. And so you might expect the number of newly minted equivalency degrees to be higher during a recession and recede afterward. Hilliard spotted a 7 percent increase in GED testing after the 2008 recession, but it had already receded by 2012, the year Hilliard used as his base year for comparison.

Hilliard chose 2012 to capture normal test-taking trends before the 2014 exam change. In 2013, the number of GED degrees was higher than usual because there was a big push to get more adults to take the old GED before it was phased out. The final comparison year, 2016, is two years after the 2014 change, giving some time for the transition. More recent data is not yet available.

Related: More high school grads than ever are going to college, but 1 in 5 will quit

It has been really hard to get a good national picture of high school equivalency numbers since the exam change in 2014. That’s because two of the testing companies do not publicly disclose their results, nationally or by state. Data on the HiSET test, administered by the nonprofit Educational Testing Service, is publicly available from annual reports.  But Pearson, which co-administers the new GED, and Data Recognition Corp., which administers the TASC, are for-profit companies. Both entered into confidentiality agreements with states, giving states ownership of the data and control over the release of information on the number of test takers and equivalency degrees obtained.

Hilliard collected national data as part of an in-depth study on high school equivalency in the state of New York. To assemble the aggregate national data on all three equivalency exams, Hilliard combined annual reports, unpublished documents, correspondence with state education officials and information provided by colleagues involved in adult education in 23 states. He was unable to obtain data for Oklahoma, which represented about 2 percent of equivalency diplomas in 2012 so the national figures represent roughly 98 percent of the nation. Hilliard shared his spreadsheet, which counts the number of test takers and degrees obtained in each state, with The Hechinger Report, and I used that to report the figures in this story and create the interactive map on this page. (Because of the missing Oklahoma data, I am conservatively reporting more than a 40 percent decline in equivalency diplomas, rather than the 42 percent that Hilliard calculated using the remaining 49 states and the District of Columbia.)

Hilliard recommends that federal and state governments raise adult education spending, especially for innovative programs that build a strong connection to post-secondary certificates and employment, such as Goodwill’s Excel Center and the Bridge to College and Careers program at LaGuardia Community College in New York.  And, Hilliard believes the federal government should require the public disclosure of information on equivalency degree attainment.

“This information needs to be publicly disclosed so that we all have a common understanding of what is going on,” he said. That’s the first step toward getting policymakers to focus on finding solutions.

This story about high school equivalency was written by Jill Barshay and produced by The Hechinger Report, a nonprofit, independent news organization focused on inequality and innovation in education. Sign up for the Hechinger newsletter.

The Hechinger Report provides in-depth, fact-based, unbiased reporting on education that is free to all readers. But that doesn't mean it's free to produce. Our work keeps educators and the public informed about pressing issues at schools and on campuses throughout the country. We tell the whole story, even when the details are inconvenient. Help us keep doing that.

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Betterment keeps growing as fintech competitors rise | killexams.com real questions and Pass4sure dumps

Betterment, which Barron’s recently declared the largest independent online financial adviser, is betting that the future of online investing includes a blend of robot and human advisers. And the plan is working, according to chief executive Jon Stein.

However, incumbents like Vanguard have leveraged existing strengths to move in to the market, and other startups like Robinhood have carved out swathes of the fast-growing market.In response, Betterment has launched a series of new high-touch features on the platform, including “advice packages” that its users can buy to receive one-time advice from professional human experts.

In the interview below, Stein shares new details on the company’s growth, its plans to fend off the rise of commission-free trading, an eventual bear market and the many other challenges in the space, and eventually going public.

Gregg Schoenberg: Things have changed a lot for Betterment and the entire sector since we first sat down in early 2017. What are Betterment’s assets under management these days?

Jon Stein: We now have $15.5 billion under management and we’ve crossed 400,000 customers.

GS: Congratulations. Is each billion getting easier to accumulate or harder?

JS: We’ve seen acceleration every year we’ve been in the business. Back in the day, I like to say that it took us a year to get to our first $10 million under management. And then six months to get to $20 million, and three months to get to $30 million. Today, $10 million is a bad day. So the scale is far greater today because assets beget assets.

GS: That’s impressive, but when you look at the competitive environment, there are clearly some other online peers that have managed to build traction, and perhaps the incumbents watch you more closely now. What’s your core reason for optimism that when the dust settles, Betterment emerges better off?

JS: Part of it is our customer obsession and commitment to innovate around what the customer wants in financial services, and part of it is that it’s still very early in the journey for us. Just as Jeff Bezos always talks about his Day One, that’s how I feel about our space. We’ve got a long list of projects that we are working on and there’s so much more for us to do.

It’s about trust, and it’s about who you want to manage your money. Is it somebody whose sole focus is to help you make the most of it? Or somebody who is trying to gamify it or trying to make money off you in ways they’re not telling you about?

GS: But at the same time, you’re aware of Acorns and Robinhood and some others that are also building traction. Robinhood, for example, talks about becoming a full-service financial institution.

JS: I think some of these firms have different philosophies than what we do. I started this company because people were coming to ask me, “What should I do with my money?” It’s a really hard question, but we sought to excel on the three pillars that we think are most important in answering it: performance, convenience and peace of mind. I think that none of the companies you’ve mentioned do a better job than we do.

GS: Okay, but you have to acknowledge that dangling free commissions before a younger investor starting out is enticing, right? I mean, free works. Look at how Google and Facebook have trained a generation of people to expect free.

JS: Free isn’t new, right? There have been free offers for millions of years. I’ll agree with you that it’s powerful, but people are wise to the fact that companies are making money. And if the product that you’re being sold is free, well, you know, you’re the product.

GS: Right.

JS: And probably in ways that are less well aligned with your interests as a customer. We’ve always been transparent about our fee. It’s always been up front. That’s one of the ways we establish peace of mind. Because the only way we make money is that 25 basis point fee that we charge. That’s it. These other companies are selling you data, they’re trading against you—

GS: —You’re referring to selling the order flow?

JS: I’m saying order flow. I’m saying they’re actually selling trade data to other firms who can trade against you. They’re not there principally to make the most of your money. Betterment is. Betterment is a mission-driven company that’s going to make the most of our customer’s money, which is an increasingly unique position.

GS: So you’re really speaking to the issue of trust.

JS: It’s about trust, and it’s about who you want to manage your money. Is it somebody whose sole focus is to help you make the most of it? Or somebody who is trying to gamify it or trying to make money off you in ways they’re not telling you about?

GS: Let’s turn to the incumbents. Recently, your new board member, Donna Wells, said this: “Betterment is directly causing people to ask better informed and pretty uncomfortable questions of the incumbents.” Doesn’t that serve the ends of the Schwabs and Vanguards who have massive marketing and tech budgets? Haven’t you just motivated the behemoths?

JS: [Charles] Schwab is still trying to put everyone into cash and paying nothing on that cash. They’re trying to put all of their customers into their own funds and they make a lot of money off those funds — even though those funds probably aren’t what’s best for the customer. So they’re not acting in their customers’ best interests with the products they’re selling. Vanguard is a great company. We’ve learned a lot from them, but the only funds they’ll put you in on their platform are Vanguard funds. They refuse to look at other funds.

[Editor’s note: A Schwab representative contacted us to share the following about its product: “Cash: We do pay out on our cash; our cash earns around 0.6 percent, and we don’t charge fees on this allocation in a client’s portfolio. Funds: We use a mix of Schwab and third-party funds (ten total fund families from Schwab and other providers including Vanguard, iShares, and PowerShares).”]

GS: But you use Vanguard funds.

JS: Yes, we use a lot of Vanguard funds, but they’re not right for everything. Vanguard is a mutual fund sales company. That’s all they’re doing … selling you mutual funds. So these companies are not thinking about the customer. And none of these incumbents can do that because they have so much to lose from the way that they are doing business today. Also, it’s a big market. There are lots of companies out there. You named a couple of big ones. But if we think more broadly about financial services competition, there are other big firms out there. There’s Raymond James and Edward Jones and there’s Financial Engines, J.P. Morgan Chase, Goldman Sachs, Bank of America, etc.

GS: Right, and we’ll get back to J.P. and Goldman in a moment, but the competition–

JS: –All of these firms see what we’re doing. And I think our vision probably isn’t as unique as it was eight years ago because we’ve moved the industry forward. We’ve set a standard of what customers should expect. And lots of people are trying to run at that now. But we keep moving the standard down the field. And I think it’s going to get harder and harder for these firms to catch up. Will one or two get there? I wouldn’t be surprised. There are a lot of smart people running these firms. Will all of them get there? No. But it doesn’t worry me that we’ll have competition. There’s always been competition in this space.

GS: Fair enough, but when you talk specifically about Vanguard, whose robo has crossed $100 billion in assets under management, and Schwab’s, which has over $30 billion, what you’re saying is that you’re not fazed because your near-$16 billion is unconflicted.

JS: That’s a big piece. I could also expand on why we’re better than them from a customer perspective. Our mobile and web apps are better than what they produce. We also have higher-performance services; the tax management that we do is better than what anybody else offers. The kinds of reporting and tools that you get are better than anybody else’s. The behavioral guard rails that we have are better, too. So we give you more performance, more convenience, and I believe better peace of mind.

GS: I think that JP and Goldman are especially interesting to touch on. JP’s You Invest, as you know, is dangling free trading out there and Goldman has embraced retail customers through Marcus, buying Clarity Money, etc.

JS: I think it’s great that more and more folks are going after the zero commission model. Because I’ve always thought that commissions should be zero. And that’s going to compete things away, to where there’s no longer a real competitive advantage in having zero commissions. Right? It should just be the way it is. But ultimately, trading stocks is not a productive activity for most Americans.

GS: Some people like to be self-directed.

JS: There’s a segment that wants to do that because it’s like a hobby. But it’s not actually the way to make the most of your money. I compare the financial system that we’ve built to the healthcare system. Imagine if you had all the drugs on the shelf, and anyone could take as much as they want of anything. It’s all cheap, but there are no doctors. You would never design a healthcare system that way because everyone would basically have to become an expert in managing their own situation. And that’s really expensive for people who are engaged in other careers and have busy lives.

Something like 40% of the 2,000 people that we surveyed thought that the market hadn’t gone up since 2008.

GS: Despite Betterment’s customer-centric attributes, it’s not immune to the competitive realities out there. In fact, Betterment, by virtue of the teaser rates that it offers, is playing the game, too.

JS: Yes, we do have a deal where people get three months free if you refer a customer. That’s always been the No. 1 way that we’ve attracted people. And that’s kept our cost of customer acquisition low, and kept us growing faster and faster, while spending less money each year. And so I think we’ve got a model that continues to generate return. By the way, with all the competition that you’re talking about, we’re still growing more customers at a lower cost than we have in any year ever.

GS: Is there any color you can give me on your customer acquisition costs?

JS: We don’t reveal our customer acquisition costs publicly, but they are a fraction of the numbers that I see quoted publicly. They’re also a fraction of what I see in the financials of the big competitors out there.

GS: If you put Betterment’s name on a stadium, I’m going to call you out on that, Jon. I want to turn to the topic of individual stock trading and specifically, to this recent commercial you’re airing featuring the actress, Maggie Siff.

JS: Yes, they’re filming “Billions” near me.

GS: The commercial, as you know, features your tagline, Outsmart Average.

JS: Yes.

GS: As you also know, her character on “Billions,” Wendy Rhoades, isn’t helping Bobby Axelrod pick a diversified portfolio of low-cost ETFs. So while I understand your view that most people shouldn’t be in individual stocks, aren’t you using the Wendy Rhoades character to send your target market another message?

JS: Well, Maggie is a strong spokesperson, because across a number of different characters, she’s played someone who’s wise, a coach and a leader. This campaign came out of a place of shifting the conversation away from Betterment versus the old way of investing, which conjures up images of boiler-room brokers and all those bad practices that traditional finance is peddling. But the problem with talking about all of the negative things in the industry is that people often don’t want to hear that.

GS: We’ve heard it ad nauseam.

JS: Yes, most people don’t want to hear that they’ve been doing the wrong thing with their money for a long time. But what we discovered is that we can shift away from talking about the industry, and shift the focus on our customers. There are people who are okay with the way things are, and there are people who are constantly striving for more. For example, I’ve got the right credit card for going to restaurants because it gives me 4 percent back. I’ve also got the right one for buying other stuff.

GS: You get 4 percent cash back at restaurants?

JS: Yes, the Uber card gives you 4 percent back on certain restaurants. So I’m an optimizer. When I go on a vacation, I’ll look at a number of sites and figure out exactly what’s the best place to go, and then I’ll book an Airbnb in the best neighborhood. It’s the same when it comes to my money. I want it managed really well and I demand more than whatever the status quo provides. That’s who we serve and that’s what we’re saying in the commercial. It’s about people who demand better than the status quo.

GS: But no individual stocks?

JS: Individual stocks are fine. There’s nothing wrong with managing your money that way. It’s just not the way most people want to manage their money.

GS: Let’s talk about the bear market, which I’m absolutely certain will happen in our lifetimes. As you know, many of Betterment’s customers have never lived through a bear market as an investor. The standard thing to say is that when it comes, the right thing to do is to stay the course, think long-term, etc.

JS: Yes.

I’ve always said, we’re building an institution and building to go public. It’s something that we want to ultimately do. My view is we’ll probably be at least twice as big as we are today before we go out.

GS: What happens when the market headlines get really ugly and people start seeing a sea of red in their Betterment account?

JS: A bear market is bad for everyone in this industry, not just Betterment. And we’ve been preparing for that in a number of ways. One, we have messaging that we’ve tested and have shown can help make those customers stay the course. We’ll also do things like suggest that instead of just pulling all your money out, maybe you want to think about changing your allocation. Take 2008, for example. Betterment wasn’t yet in business, but we saw a lot of people blow themselves up by getting out of the market.

GS: It was very tempting to run for cover.

JS: Actually, we ran a survey of customer attitudes since then and it was shocking to me that something like 40 percent of the 2,000 people that we surveyed thought that the market hadn’t gone up since 2008.

GS: Wow.

JS: Yes, it’s sad. And I think back to our mission, which is to help people make the most of their money and keep them invested. So it’s important to us that we do that throughout the cycle. We’re also preparing for it by thinking about our strategic options.

GS: Can you elaborate?

JS: Just this month, we launched a smart saver account, which gets you a higher yield on your cash. It’s currently paying 1.83 percent net of all of our fees, and it’s actually higher than that if you consider that it’s a tax advantaged account.

GS: So that’s not FDIC-insured then.

JS: It’s not FDIC-insured, but it’s SIPC-insured. Another area that we think is an interesting countercyclical play is our B2B business. Throughout the market cycle, people are contributing to their retirement, which makes our 401k business an attractive place for us to be. Similarly, our Betterment for Advisors business is a good place for us to be investing.

GS: How do you feel about adding life insurance and college savings products?

JS: Actually, many people already are saving for college with Betterment through things like IRAs, which can be used for college. As far as life insurance is concerned, we’re talking to a lot of financial partners about it because we think it’s interesting.

GS: I agree. So last topic: When does Betterment go public?

JS: I’ve always said, we’re building an institution and building to go public. It’s something that we want to ultimately do. My view is we’ll probably be at least twice as big as we are today before we go out. Is that going to take two years or five years? I can’t tell you exactly when it’s going to be because It will depend not just on our scale, but also on the capital markets, and a lot of other factors. But we continue to drive towards it, and I believe we’re in a great position. We’re audited, we have an amazing finance team, we’ve got great risk management, security processes … all of those things that companies that are preparing to IPO ought to be doing.

GS: Well, you appear to be big enough, and you have a great customer base and everybody knows who Betterment is. But as you said, timing matters.

JS: Yes, and they’re probably aren’t enough public companies out there today. But there’s innovation happening around how companies go public, which is needed. I’m also really encouraged by what some of our peers are doing out in the market, and I want us to continue to innovate in financial services, even around our IPO.

GS: On that note, Jon, I wish you and the team great luck.

JS: Thanks very much, Gregg.

This interview has been edited for content, length and clarity.



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