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How can I take my child (16yrs) to the U.S if my immigrant visa is approved? My husband, a US citizen, filled out form I 130 for me and mentioned this child as migrating in future.Just petition using a I-130 yourself. Read the instructions very carefully. I am not sure but it’s possible that the affidavit of support will need to be filled by your husband since he is the citizen and he filled one for you - again, check the instructions very carefully. It should be a pretty clear, straightforward process.Your child is still well below the age limit and should be fine. If there are any problems, do the same thing you did with your own process - use the numbers you are given to check on the process and if you see it stuck call to make sure they have everything they need early.It is my understanding that the age limit of the child is based on the petition date, so go ahead and do it.You still have plenty of time at 16, just don’t delay.
If I am neat, does that mean I am unusually messy (double negative=positive) or unusually neat (like it is unusual on how neat I am)? I am trying to fill out a form for my housing for college next year.In this context, “unusually” means “extremely”. Unusual is not a negative, so the concept of a double negative does not apply.Unusually messy = you cannot see your bedroom floor due to the things strewn all over it. There might be some unfinished food under there somewhere, too…Messy = yeah, there’s a bunch of stuff laying around, but you can see the floor and tell where the furniture is.Neat = pretty much everything is put where it belongsUnusually neat = absolutely everything has a place and you would find it annoying and distracting to share a space with someone who was not the same way.
If poker is your only profession and you have no other sources of income, how do you pay taxes for that in India? Which ITR forms should I fill out?As per Section 115BB of the Income tax Act, 1961 any income of winnings from any lottery or crossword puzzle or race including horse race or card game and other game of any sort or from gambling or betting of any form or nature whatsoever (which includes income from poker) is taxable at 30% plus education cess of 3% (Total 30.9%). There is not benefit of basic exemption limit but Chapter VIA deductions are available i.e. section 80C, 80 D and other seciton 80- deductions. TDS is also deductible at 30%.
I am a working software professional in the Bay Area and looking to switch jobs. I can't openly write in my LinkedIn profile about the same. How do I approach recruiters/companies? Is there an easier way than filling out 4 - 5 page forms in the career website of the company?I'd say that you should just seek out the jobs that interest you and apply for them. Many don't have such onerous application forms. Some even allow you to apply through LinkedIn. And if you target a small set of companies that really interest you, then it's worth the extra effort to customize each application. Many recruiters and hiring managers, myself included, give more weight to candidates who seem specifically interested in an opportunity, as compared to those who seem to be taking a shotgun approach to the job seeking process.
I am a drop out of engineering as I am not interested in that field I am already 30 years I like philosophy how can I move in this field to great height professionally with low cost of education as I am self dependent?A2A It is not clear where you are academically nor is it clear if you have the talent to pursue philosophy as more than hobby. However, it starts by mastering English if you plan to pursue an academic career. To do philosophy, you need to read and write in Global English if you are to take advantages of the online resources. To find these courses, google "online philosophy courses" to get the current list available. Some of these courses are free. However, you do need to have a teacher who can help you with your English.Dropping out of Engineering does not make Philosophy a natural career choice. It sound more like a mid life crisis rather than a reasonable educational goal. At thirty, you look at meaning of life questions pertaining to your life. I recommend you go back and figure out exactly what you want and then get the skills to get it, should the opportunity prevails itself.Bottom line: Master English by taking critical thinking classes in a classroom setting. These are lower division English and Philosophy courses.
What is the procedure of taking the CFA level 1 exam?Takshila Learning: Online Coaching InstituteCFA: What is it About?Chartered Financial Analyst (CFA) is a comprehensive field of study which specializes the students in imbibing skills and knowledge of investment and financial management. This particular course is a set of high standards and is a globally recognized program providing a strong foundation to the aspirants in the real-world of investment analysis coupled with the practical knowledge needed in the investment industry.CFA course designates the candidates in the gold standard of the investment management field. Candidates after pursuing this program get an in-depth knowledge of the investment industry paving their way into making lucrative careers in the field of equity and funds. The program is particularly beneficial for those who are looking for a long-term career in the sectors of financial services, corporate and banking sectors or can even take up an independent practice.Your pre-preparation would only help you in getting things done more easily and early. How would it be if you could be the youngest CFA just because you have been preparing on early basis.The CFA charter is offered by the CFA Institute to finance and investment professionals. The certification is often considered to be one of the most prestigious ones in the field of finance globally. If you want to enter into the world of finance like equity research, IB analyst, risk management, then taking CFA exam would provide a big credibility to your profile.To become a Chartered Financial Analyst, you must have follow some processes that mentioned here.There is a 3 step process to become a Chartered Financial Analyst:Enter the CFA® ProgramPass the three levels of ExamGet CFA® institute membershipEnter the CFA Program:To enroll for the CFA® Program and register for your first level of exam, you must have one of the following criteria:Education: A bachelor’s degree or be in final year of any bachelor’s degree is needed to pass all the levels of CFA® exam.Work Experience: Four years of Professional work experienceNow the question is what kind professionals can become CFA. What kind of work experience is required to get the CFA institute membership is the main concern in your mind right now.As per CFA institute, there are limited professionals who can become CFA:You have at least 4 years (48 months) of experience in the field of investmentAny type of decision-making process; supervising persons who conduct such activities; or teaching such activities related to investment will be eligible for CFA membershipOperations in big investment banks, deals with processing of the trades and record it in Accounting Systems will be eligible as wellAs per CFA institute, trading, economics and corporate finance such type of fields are also acceptable as your working experienceMinimum 50% of your 4 years of working experience should be spent directly involved in the investment decision-making processWork must be full time and can be earned before, during, or after participation in the CFA ProgramManaging investments for yourself or your family or friends does not eligibleCombination of Education and Experience: 4 years in addition of education and work experience in total to passing the Level I CFA® exam.Pass three levels of CFA Exam:CFA exams are world known finest finance exams, which test you on your core financial and technical knowledge. To get CFA charter, you have to pass the all the levels of CFA® exam such as; Level 1, Level 2 and Level 3. All the exams are held in the month of June and CFA® level 1 exam held in the month of December as well.CFA exam syllabus: Main Subjects and topics of CFA® exam are include Ethical and Professional Standard, Economics, Equity Investments, Fixed Income, Portfolio Management etc.CFA Pass rates: According to historical data average pass rate of CFA exam is about 48% CFA Level 1 .Membership process to become CFA®:One of the most important part to become CFA® charter holder is to get membership of CFA® Institute. The CFA® Institute offers two categories of membership, namely, regular and affiliate.Regular Membership:The CFA candidates who enroll for the CFA program and pass CFA Level 1 exam must submit a regular membership application. Following are the processes to get Regular Membership.Have a bachelor’s (or equivalent) degree from a recognized institutionPass the CFA Level 1 exam or pass the self-administered Standards of Practice ExaminationHave a relevant professional work experience of 48 months in investment decision making process.Submit professional reference statements.Sign the Member’s Agreement and agree to follow the Professional Conduct StatementPay your annual duesMust follow the OFAC Compliance Policy. Residents of certain countries may be prohibited by law from becoming a CFA Institute or Society Member.Affiliate Membership:The affiliate membership application should be submitted by those who are investment professionals. If you apply for affiliate membership you are not required to enroll for the CFA program and can pursue CFA Charter holder.Become a member of a local CFA societySubmit professional reference statements.Sign the Member’s Agreement and agree to follow the Professional Conduct StatementPay your annual duesMust follow the OFAC Compliance Policy. Residents of certain countries may be prohibited by law from becoming a CFA Institute or Society Member.The applicants can track their applications using the link ‘My Account’ on the applicant’s home pageOnce your online application is completed with all the details, you will receive an e-mail. This email contains a link to an online form. You can forward this e-mail to each of your sponsorsThe sponsors must complete the online form. The requirements of a sponsor are also mentioned in the e-mail. The applicants can track their applications using the link ‘My Account’ on the applicant’s home pageOn the approval of the application by a society, an automated e-mail is sent to the applicant confirming the status. The applicant is accordingly instructed for membership activationThe applicants are required to pay their dues and file a Professional Conduct Statement/Member’s Agreement during the Activation stage to activate their membershipThe benefits of an affiliate membership and regular membership are same, but the affiliate members cannot be awarded a CFA Charter and may not cast their votes on CFA institute Proxies. Society membership is must to become an affiliate member of the CFA Institute.The Best Way To Prepare For The CFACongratulations. You made a serious decision to take the CFA exam. In short, preparation for CFA exams requires a serious commitment and following a structured study plan is one of the key factors that will enable you to perform well. According to the CFA Institute, the average annual pass rate for the last 10 years for the CFA Level I exam is 40%. This statistic shows that only dedicated candidates are likely to pass the exam, so be prepared to make the necessary sacrifices and put in the required effort. Your biggest investment in the CFA is your time, so spend it efficiently. According to the CFA Institute successful candidates on average report that they spent approximately 300 hours preparing for the CFA exam in total and were also preparing through Online Institutes because only in that way they were able to make sure that they were getting time for their studies too. The required preparation time can be greater for those with a poor background in the subject matter and less for those who have a strong background in the subjects that the CFA curriculum covers. As a guide for a study plan, let's use this estimate of 300 hours of reading and practice hours as a benchmark.CFA curriculum covers the skills needed in all stages of the career which includes academic theory which is covered in 3 levels, field practice through work experience, as well as providing a professional and ethical base to candidates. Candidates imbibe characteristics of advanced investment and learn ethics of portfolio management skills. The program of CFA aims to teach finalists to take decisions about making money in stocks, industries, companies for corporations and individual level.The applicants are qualified in gathering data, analyzing the performance of stocks which is further forwarded to be analyzed by stockbrokers and clients. The graduates of this course have the opportunity to work as chartered financial analysts for various business corporations both in domestic and international grounds. This program which designates the finalists in the gold standard of investment management field renders mastery over the rigorous CFA curriculum earning the candidates CFA charter. The overall aim of the course is to imbibe in candidates the skills and competence to clear all the three levels and earn the post of CFA charter.The 10 commandments for succeeding at CFA examsI wouldn’t suggest coaching because that woudl bind in the way people tend to teach but I would provide a solution of a way more subtle and simple way that will help in you every aspect of learning.How to ace the CFA examIn a few days, approximately 50,000 candidates globally will take one of the Chartered Financial Analyst (CFA) exams, which are given the first week of June, while you can also take Level I in December. If you're one of them, you have reason to feel stressed. The pass rate isn't high (43% of the 51,134 candidates who took the Level I exam in June 2016 passed, which is in line with past years) and the amount of studying you're advised to do is enormous.So what can you do to improve your chances? We’ve asked a selection of professionals, students, coaches and people from the CFA Institute for tips. This is what they suggest.Newsletter sign upGet the latest career advice and insight from eFinancialCareers straight to your inboxSign up1. Engage in study sessions that are marathons, not sprintsIf you want to pass the CFA Level I, you’re advised by the CFA Institute to spend six months preparing and to do between 300 and 400 hours of studying per exam during that time.“Success is strongly correlated with the date you start revising,” says Nathalie Columelli, a former Deutsche Bank trader who now coaches people in the CFA exam."I like telling people to start studying six months before the exam, because it puts time on your side," said Jamie Ziegler, the founder of JZA Coaching and a member of the CFA Institute’s retained speaker program. "By covering less material per day, and increasing the number of days, it also gives the brain a greater chance to absorb the material, as the result of more nights of sleep."In other words, the earlier you start studying, the greater your chances of success.“This is the best moment to start revising [for December],” says Patricia Donnelly, head of consultant services at BNP Paribas Investment Partners and former president of the CFA Society France. “It’s generally calm at work and on the markets. If you start now, you can get ahead before things heat up after the summer.”2. Plan carefullySix months is a long time. And during that time it’s easy to go astray and to spend less time studying than you’d intended.To prevent yourself from neglecting study times, Columelli advises using Outlook to block out 12 hours of revision time every week over the next six months. If things get in the way, make sure you transpose those blocked out hours to other times.Philippe Maupas, president of CFA Society France, advises that students need to build two or three completely free weeks into their study schedules. That way, you can absorb any professional or personal issues which might come up. If nothing comes up, you can simply have a break. Or you can use that extra time to go back over the most difficult parts of the syllabus.A common mistake is "not building 'life' into their study calendar, and running out of time," Ziegler says.3. Find a method of studying that works for you“The best thing is to use a revision technique that you’ve employed for previous exams and that's worked for you,” says Columelli. “Some people work best in the mornings, others at night. Some like to go to the library, others will work in their office or at home – each to their own!”Corporate finance student, Bastien Doutreleau is currently doing an internship in Spain and preparing to take the CFA level II exam in December. When he studied for Level I, Doutreleau said he watched CFA videos and is regularly exchanged information with professionals who’d already passed the exam. Talking to those people with successful careers helped remind him why he decided to take the exams in the first place. On the other hand, Doutreleau said that he avoided CFA exam forums, which can be stressful places when you’re studying.Ziegler suggests a secret weapon for those candidates who decide to use it: Meditate 5-8 minutes a day, ideally before getting ready to study."Meditating clears the mind, calms the nerves and relaxes the body," Ziegler said. "In other words, it creates the ideal environment for deep concentration, problem-solving and memorization – and the research backs this up."I believe students need to find the methods and routines that work best for them, whether it’s solo or in a group," she says. "And all students can benefit by building a short meditation practice into their study schedule."4. Make the most of the materials on offerThe CFA itself offers materials that will help you prepare for the exam.“With your login and password you can access a heap of information and advice from the CFA site itself," says Columelli. “Candidates too often neglect this,” she adds.Donnelly suggests that students nearing the end of their study period look at the list of ‘Learning Outcome Statements (LOS)’ provided by the CFA Institute. They’re especially good for running through during a commute, or on the morning of the exam, she suggests."Buy study aids – audio as well as print," said Jeffrey Keil, the owner and principal member of Keil Fiduciary Strategies, a mutual fund business consulting firm. "Don't assume that older versions of the texts will suffice – they may not be up-to-date."5. Practice, practice and practiceSome candidates spend way too much time on practice questions, drilling and drilling, rather than really taking the time to memorize the curriculum and understand the concepts. Also, don’t focus obsessively on certain parts of the curriculum that you think will make up the bulk of the test while neglecting others.“It’s essential that you’re able to respond to the questions without stopping and that understand each one quickly and in the sort of conditions you’ll encounter in the exams,” says Bastien, who regularly put himself through timed mock exams prior to level I. "This is the best way of finding out how good you are and what you still need to work on. It will also give you confidence before the big day," he said.Go over hundreds of prior exam questions and understand why the answers cited are the best choices," Keil said."Throw in twists to the questions and see if you can work out how the different scenarios change the answer," he said. "Work through the math, by hand, for the numeric questions using many different scenarios – make sure you are fast."Don't underestimate how well you must know the materials and how fast one must work to get through the entire exam," he said.6. Don’t leave anything outEach of the ten units is important for CFA level I, says Maupas. You can’t leave anything out.The first time he took CFA Level I, Bastien says he didn’t devote enough time to the economics material, on the grounds that it involved 300 page of coursework for just 10% of the marks in the exam (while other units were 100 pages of coursework for 15% of the exam). This was a big error, he admits.It’s particularly important that you know the small subjects without much coursework extremely well. This is especially true for the ethical and professional standards section, says Donnelli. “A wrong note here can compromise your success in the whole exam if you’re on the border of passing and failing,” she says.7. Have a strategyThe passing score in the CFA exam is a matter of utmost secrecy, but is thought to be around 70%.If you want to pass, you’ll therefore need to be good at everything (see point six).Bastien advises against studying one particular area at a time. Instead, he suggests proceeding in the style of a ‘crab’ and covering several disciplines at once during study sessions whilst alternating theoretical with quantitative disciplines.Columelli advocates paying particular attention to details on subjects you're traditionally good at in order to avoid careless mistakes. Work harder on the subjects where you achieve irregular results during mock exams, she adds.8. Look after yourself as the exam approaches“As the exam draws closer, you need to treat yourself a bit like a baby,” says Columelli. “Eat regularly, go outside, take in some fresh air at least twice a day.”If you’re in a full time job, Donnelli advises taking some half days. They’ll help you relax and give you more time for studying. Some employers will even offer time off for exam preparation, she says.9. Don’t disqualify yourself on the big day by doing something stupidThe CFA website has important information on the materials you can take into the exam – read it carefully. Make sure the information on your passport conforms to what you’ve written on the CFA entry forms. Recharge your calculator batteries. Give yourself enough travel time – remember that quite a few people will be converging on the exam hall.10. Retain your common senseAs with all exams, you should:- Start with the easy questions.- Always give an answer. You have nothing to lose.- Make an intelligent guess if you don’t know the answer.- Don’t panic. At worse this is just preparation for your next attempt!"Remind yourself that, if you don't pass, you have to wait some time to take the next shot," Keil says.OR YOU CAN CHECK THIS OUTWritten by a candidate who cleared all the three exams in 18 months timeThe first question a CFA student will ask me when he calls up to ask for the CFA Level 1 training is, “will I be able to clear the exam in the first attempt”. My answer has always been “Of course, you will, if you want to”. And if you are a dedicated student, you will not disagree once you have cleared your Level 1 in the first attempt.The pressure to clear the prestigious CFA exam in the first attempt is a big pressure that almost all the students face and this pressure is justified with all the time & money spent on it. Compared to exams in India like the exam conducted by the Institute Of Chartered Accountants, India which charge exam fees in the range of Rs 2000- Rs 3000, the CFA exam is indeed quite expensive. So is the exam fee the only pressure? The answer is a clear no. CFA institute also does not disclose the exam papers, which makes it even difficult for the student to get to know in advance, how the exam feels. Top that up with a vast curriculum & a freaking 6 Hours exam to be taken in one day, it is sure to scare the heck out of you.Challenges for CFA level 1 ExamBy now, you may be irritated to because of the negative start. But hey, I wanted your attention. So now that you know the challenges ahead we can together tackle them and make this exam as smooth as it actually is.Before we start, it is important that you know that 2 out of 5 test takers pass the exam. Yes, you heard it right. The pass percentage is close to 40% which is quite high in comparison to most of our coveted Indian exams (think CAT, CA, IIT-JEE, etc.)START EARLY:Start as early as possible, it is recommended that you almost have six months in hand to prepare for the exam. The reason for you to start that early is so that you get adjusted with the curriculum and you get a view of what lies ahead of you in the first month. So if you are planning for the June attempt then plan to start studying by November end. If you are planning for Dec attempt then start studying by may end.MAKE A MONTHLY SCHEDULE:Before you jump and start preparing a weekly schedule for the entire six months, work backwards and set objectives for each of the four months. First and the last month can be left out because in the first month, you won’t get too adjusted with the curriculum and the last month is to be spent mostly on solving test papers or revision.3. SET WEEKLY GOALS:Now that you have made your broad monthly goals, you need to dig in and make realistic weekly goals. If you have planned to complete high weightage subjects in the second month, then how do you plan to go about it?Example: If I Plan to complete FRA in 20 Days, I need to finish may be 3 Readings a week.4. FOCUS ON UNDERSTANDING THE CONCEPTSClose to 90% of the curriculum involves knowing and understanding concepts. Applications from the concepts are fairly simple once you are familiar with the concepts. For example, if you understand the philosophy behind Time Value of Money then handling questions on “Annuity Due” will be straightforward.5. A LOT OF QUESTIONS:When I was preparing for my CFA LEVEL 1 exam, I had done close to five thousand questions. It’s not difficult trust me! Even if you do 30 questions per day, you would end up doing 5400 questions by the time you sit for the exam. Some candidates don’t clear the exam because they haven’t done enough practice so there is a high chance that you would thank me for this advice later on. No prep provider can give you the exact material that will make you pass, and no matter what they say, ultimately it’s all upon you. So my advice is do almost 5400 questions, leaving the mock papers.6. REVISE WITH QUESTIONS FOR THE SUBJECT YOU COMPLETED:Once you finish with one subject, and start studying the next subject, then revise the previous subject with questions. This will increase your confidence immensely and the concepts will get registered in your mind permanently.For example: Let’s say, you finished FRA and you start with equity. You can start doing at least 5 questions on FRA . When you finish Equity start doing 10 Questions on Equity & FRA both & so on.7. ETHICS:Start with Ethics close to two months before the exam and study from the original CFA material. If you read that well you will actually recognize questions in the actual paper that originate from the CFA material.8. AIM TO SOLVE ATLEAST 10 FULL LENGTH PAPERS EXAM-CONDITIONYou will signNow this stage only if you have followed all the above 7 advices that I have given you. If you manage to do this last step, I am giving you the guarantee that you will feel confident before you enter the exam hall, as well as when you leave.9. REVISE ALL CONCEPTS IN THE LAST WEEKRemember this exam is focused towards knowledge first and application later. So keep revising all your concepts right till the end.10. PLAN YOUR EXAM DAYDo some research on your exam venue. Are there good dining options nearby? Are there ENOUGH dining options? There will be numerous students besides you on that exam day and you do not want to be hungry or thirsty for your second paper. You may want to carry some sandwiches and water with you (besides your calculator) for the exam.11. DO NOT SPEND TOO MUCH TIME ON ANY QUESTION DURING THE EXAMThe exam is designed to keep you nervous, but the objective is to clear the exam. There will be questions that you won’t know that’s fine, just move onto the next question. But remember there is no negative marking so do come back and attempt each of those questions at the end to the best of your ability.12. THE WAITThis is undoubtedly the toughest thing to do, but don’t worry the difficult part is over.Keep your focus from the beginning on learning rather than clearing the exam. The advice that I just gave you are given keeping in mind that you keep your focus on learning. Do not ever try to memorize anything, unless really required. Try to mix the learning with some real life examples and real life situations in the investment industry.Now coming on to the main topic that through which way are you going to study for all this.Now here I am going to mention the following way to prepare which are as mentioned below-Offline InstitutesOnline Sources such as YouTubeOnline Specialized InstituteHere I would also like to know through you which one you think is the best way to prepare for not just thins but any course or examination if you self determined to study on your own, which you eventually will have to do for the best results possible other wise the exam won’t be easy for you.Now according to a survey done on Facebook it was found that more than 80% of the students felt that Online Specialized Institutes were the best ways to prepare when were told with the pros and cons for each of them.Thus assuming the same over here but still I will be mentioning both the pros and cons for each of them so that you can also check by yourself which one suits your life better and which one not.If one goes for the first option then he/she will have to bear the following things as mentioned below -High fee amountSimilar content as othersLess duration of the coursesTravelling expensesNo self-planning strategyAlong with all these problems, one might have to face the problem of not having complete content as these institutes might not complete the content properly because of being in hurry of completing the course in the duration mentioned.But if one opts for free sources online they will find mostly the same content over the internet but there is no confirmation that the content will be correct or not also saying that if the content is there is not sure that it will be in structured form and it will be providing proper guidance step wise but there is nothing problem in that as one always have another option .Now if you go for the last and best option of Online Coaching Institute then below mentioned are the things one will have to bear -Less fee amountNo traveling expensesBooks/E-booksOne year validity of courseCertificate ( after the examination)Active doubt sessionChat support with facultyCall supportPractical sessionsNow while I had no chance for clearing my exam I came across this institute mentioned below and here I am cleared and not bragging about this, but at that time even teachers rejected from taking me into their batches maybe because I was late for the batches now.Takshila Learning Pvt LtdWebsite- www.takshilalearning .comAnd do fill the form for best assistance and knowledge along the website.This is what I did for my preparation in the best possible ways but you can also prepare for yourself in your own way which you feel is the best. In the end yes definitely it is worth it no extra skill goes in vain.Do visit the website and fill the form for some more better information on the same and buying the course because this Institute would prove all the benefits the I mentioned about online coaching.Thanks