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Online Proctored Exams: A Guide to Preventing Cheating through Secure Remote Testing

Online proctored exams are becoming a common way to take tests today. They allow students and professionals to take exams from anywhere while ensuring strict rules are followed to keep things fair. The online exam proctoring market was worth $2.56 billion in 2023 and is expected to grow to $14 billion by 2032, with a …

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Balance Transfer or Cash Advance? Costs, Fees, & Interest Rates Compared

Personal Finance

Credit cards offer more than just a way to make purchases. They come with features that can help you manage debt or access quick cash in emergencies. Two popular options are balance transfers and cash advances. But they are very different, and understanding how each works can save you money and stress. A recent report …

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Expense Fraud: Spot, Prevent, and Address Financial Misconduct

Business

Expense fraud occurs when employees manipulate or falsify expense reports for personal gain. This unethical practice can result in significant financial losses for businesses. Expense fraud can take various forms, such as submitting fake receipts, inflating expenses, or claiming reimbursement for non-business-related costs. A study by the Association of Certified Fraud Examiners (ACFE) found that …

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Human Resources Analytics: Why It Matters and How to Get Started

Business

Human Resources (HR) is changing fast, and people analytics is a big part of that change. A survey by SHRM found that 94% of business leaders think people analytics makes HR better, and 71% of HR executives say it’s essential to their work. These tools help companies use data, not just guesses, to measure things …

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Can you pay off a credit card with another credit card

Using Credit Cards to Pay Another Card Debt? Risks & Benefits

Personal Finance

Juggling credit card debt can feel like an uphill battle, especially when high interest rates keep balances from shrinking. Many people wonder if they can outsmart the system by paying off one credit card with another. While you can’t make a direct payment this way, certain strategies allow you to move debt between cards. I’ll …

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Buying A Business? Here Are 7 Financing Options

Business, Personal Finance

Buying a business may seem out of reach without upfront capital, but creative financing methods can make it possible. I’ll be discussing 7 financing options that entrepreneurs and business owners can use to expand their ventures. Understanding these options will help you secure the best financing method that fits your situation. How to Finance a …

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ERP Vendor or Partner? Advantages & Considerations for Each Approach

Business

Starting an ERP implementation is a big decision for any business. It’s not just about picking the right software, but also about choosing the right people to help you bring it to life. A study found that 75% of ERP systems fail to meet their goals due to poor planning or execution. This means choosing …

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Why Expense Management Matters for Businesses

Business, Tech

Expense management is how businesses track, control, and manage their spending. It helps companies stay on budget, follow financial rules, and make sure employees get reimbursed quickly. A good expense management process prevents unnecessary spending and keeps finances organized. Managing expenses efficiently is crucial for financial stability. A study published in the Journal of Accountancy …

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Should You Recast or Refinance? Mortgage Options Compared

Personal Finance

Adjusting a mortgage can make homeownership more manageable, and two common options are recasting and refinancing. Each method works differently, offering unique benefits depending on financial goals. Understanding the differences between recast vs refinance helps homeowners choose the right strategy for their situation. How Each Option Affects Your Mortgage Recasting lowers monthly payments without changing …

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Understanding Insurance Coverage of HRT & Other Savings Options

Wellness

Hormone replacement therapy (HRT) is a common treatment for menopause symptoms, helping manage hot flashes, mood changes, and vaginal dryness. Costs vary depending on the type of medication, dosage, and insurance coverage. Many people wonder if hormone therapy replacement is covered by insurance or health insurance. Yes, but not all insurance covers it. Understanding HRT …

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