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Get Your Hands on the Best Professional Scrum Master™ Course Online!



Attend a 2-day Professional Scrum Master ™ certification course now and you can easily become an expert on the Scrum framework. Learn how the Scrum framework employs observation and experimentation, rather than detailed planning, to tackle the dynamics of a risky work environment.

What are the skills to become a Professional Scrum Master ™?

Our course covers everything that is expected from a Professional Scrum Master; be it planning product distribution, mastering the art of servant leadership, and understanding the intricacies of building the most amazing team.

The course modules and materials have been self-picked by Ken Schwaber, the co-founder of Scrum; so be sure to capture the blended learning experience of the flavor of the Scrum and Agile revolution that it offers.

The Professional Scrum Master™ certification is an honor that Scrum provides to all its users who have undergone an official training and passed a subsequent exam that showcases their mastery. KnowledgeHut is a Professional Training Network (PTN) member of Scrum.

A PSM knows how to cut their way through advanced leadership tactics, where you serve, not lead. A Professional Scrum Master is also a pro in dealing with real-world complexities of projects using his expertise.

Top features of the PSM™ course

  • Live virtual training by our guides for 2 days
  • Modules and materials approved by Scrum co-founder
  • Real-world project handling
  • Access to worksheets and exams (no additional fee)
  • Achieve 16 PDU and 16 SEU credits

Why should you get the Professional Scrum Master certification?

Agile is the iterative approach about 98% of the companies use for systematic project management and faster software development, out of which more than half use the Scrum framework (which is a subset of Agile).

This makes the roles of Agile and Scrum masters highly demanding, so much that the World Economic Forum states it as one of the top ten most promising roles when it comes to the market for product development. This course might be just what you need to monetize your Scrum skills in this ever-growing market demand.

Advantages of taking the PSM™ course

  • Credentials of 1000s of Agile and Scrum certified professionals
  • Learn from the best of the Scrum trainers from the organization itself
  • Continual support with worksheets, chapters, videos, interactive sessions
  • Real-world projects and hands-on workshops for exploration
  • Mentorship from qualified PSMs (personalized sessions), even 6 months post-training

Just 3 steps to PSM™ certification

  1. Register yourself through one of the PTN members of, and attend the 2-day long training
  2. Once the course ends, you will be provided with an exam link. Take the 1-hour exam where you need to score 85% at least.
  3. Download the PSM™ certificate, and voila! You are a Professional Scrum Master now.

Minimum eligibility criteria

Well, there’s none! Though a basic understanding of Scrum/Agile would be nice, it isn’t a mandate.

PSM™ course is perfect for-

  • Software developer/managers
  • Project Manager
  • Product owner
  • Scrum master/team member

Hurry! Register now and grab your chance to be the best Professional Scrum Master in the business.

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Impact of COVID-19 on Real Estate



The COVID-19 crisis substantially impacted the residential property market this spring.  Health issues and stay-at-home orders contributed to fewer buyers searching for houses and fewer sellers eager to record their own possessions or let strangers to enter their own houses during a pandemic. Regardless of the steep downturn during the first spring, house sales rebounded in the summertime. At precisely the exact same period, the health catastrophe created an economic toll on the kind of job losses and doubt. Fears in the 2007-09 housing catastrophe linger in the minds of many, as some homeowners have fought to make mortgage payments along with the unemployment rate stays at historical highs. Due to the outbreak, many families have been reconsidering their home requirements, as their houses are very substitutes for schools, offices, restaurants and recreation centers.

What Happened and Why?

Their lowest rates since the financial and housing crisis that started in 2007 (Figure 1), with lots of homeowners reluctant to sell in the aftermath of this pandemic. The amount of delisted houses increased over 25 percent from one year ago during early March to early April. New listings were down more than 40 percent in April compared with the identical period this past year. Due to a scarcity of brand new listings along with an already low stock, the source of housing fell to new highs. Inventory of homes for sale decreased 17 percent in April compared with the identical period this past year. Ordinarily, a sizable reduction in demand for new house sales would be accompanied by a fall in prices. On the other hand, the coronavirus chaos at the spring failed to lead to substantial price declines. The mixture of reduced supply and low mortgage rates permitted costs to stay stable during April and May. Residential property action is dependent mostly on local conditions, so although almost every significant metro region experienced a substantial decrease in real estate action during the spring, a few places which were hit harder from the pandemic saw particularly steep falls. New York City, by way of instance, had a 58% decrease in pending home sales in April compared with last year. Detroit, in which most property action has been believed nonessential through early May, found a 74% decrease in pending earnings. In contrast, U.S. metro regions confronted a 33% decrease typically. House (MSAs) confronted similarly big, but slightly more subdued, decreases compared with the slightly less intense compared with people in different MSAs nationwide. For more info, please visit

Demand Recovers, Supply Remains Low

Despite the large drops in home sales due to the pandemic, real estate activity began to regardless of the big drops in house sales as a result of pandemic, property action started to increase from the late spring, upcoming pre-pandemic amounts by summer time. Prospective buyers began to boost their home search and buy action by the end of May. Pending earnings in U.S. metro regions that have been down more than 30 percent in April, grew up nearly 30 percent by August over the year’s earnings during precisely the exact same period. Home supply didn’t recover at precisely the exact same pace. While medical concerns will continue to maintain sellers out of the current market, surveys indicate that the general financial instability and the inability to buy another home will also be keeping homeowners set up. District MSA earnings activity has recovered from its predecessors: From August earnings were above amounts from this past year in most of the most significant District MSAs. Home prices rose substantially in July and August, together with all the Memphis MSA seeing particularly large cost increase by August. Despite some progress in the market, heightened economic and unemployment uncertainty could continue to influence the home market through 2020 and beyond. During the 2007-09 financial catastrophe, foreclosures and much more lending practices locked many from home ownership for many years. There are indications of those long-term consequences.

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In order to process a loan or a credit card application, Credit Score and the Credit Report play a significant role. A lower Credit Score will adversely affect your chances of approval of your application. If you have a low credit score, then you want to raise the credit score so that you don’t have to face the rejection of your loan or credit card application. How can your credit score be repaired? What might be wrong if the score had been lowered? Does a Credit Repair company help you?


Credit repair is the procedure by means of a credit repair service that helps you in correcting or rectifying your credit score and credit history. 


An organization that helps consumers to manage and improve their wrong credit history is a credit repair agency. Consumers do not have the requisite expertise and time to improve and repair their bad Credit History These customers can be guided and helped to improve their credit history again by adopting a systematic and disciplined approach.

Before you trust them, it is advisable to check the authenticity and credentials of a credit repair company. There are many bogus and fraud companies in the market who cheat by making wrong commitments.


In your credit information report two kinds of problems could be causing errors:

  1. Incorrect information is captured in your credit report and credit history.
  2. Default on the repayment of loans and credit cards have an adverse impact on your credit health. The following could be the reasons for defaulting on repayment on your credit lines
  • Financial hardship.
  • Missed payments on credit cards due to relocating domestically/ or internationally.
  • Disputes with the lender regarding charges or annual fees.
  • Non-receipt of card statement leading to missed payments.
  • Disputes with the lender on account of fraud or identity theft.


Any factors that can lead to a bad score have to be reviewed on your credit report.

 Check all the open accounts: There are two cases in which an account can be stated ‘open’ without your knowledge.

  1. The lending institution may have missed communicating the closure of an account.
  2. The open account may not be yours.

In case there are any of the above errors found, dispute it with the credit rating agency.

Check the status of accounts: If some of your accounts have a “written-off” or “settled ” status, the lender will interpret it negatively. Check every loan account is reported correctly. Raise a dispute if you find any loan account is reported wrongly.

 Check the payment history of every action: Any other entry than ‘000’ or ‘XXX’ in the payment history of the Days Past Due section suggests that certain payments have been skipped and not paid on time. In addition, make sure you pay bills on time. This will help you increase your score a lot


Given the potential problems surrounding a credit report are discussed above, here are the steps that you should take.

  • Incorrect information: You may enter into a dispute on the credit agency’s website when you find the incorrect details. For CIBIL Transunion or any other Credit Bureau company, the steps given on this page can be followed. If the lenders confirm once again that the information is right in the report, the report will not be updated. In this situation, the lender must be approached and explained directly.
  • Defaulting Payments:
  1. Financial hardship: You should repay outstanding or overdue that have been missing because of real financial difficulty, work or job loss, or unexpected circumstances. In order for the lender not to take any legal action that should impede its credit record it is often advised to notify the lender of the financial situation.
  2. International/ or domestic relocation: When you intend to move it, it is as important to switch your loans and credit card accounts as to transfer your savings account. Make sure the lenders are aware of your relocation strategy. Otherwise, the payment of missed payments, service charges, and late payment penalties can eventually take place. This also causes your credit score to sink. The savings account must always be held active, after relocation, connected to your credit card or loan.
  3. Disputes with a lender about charges or annual fee: A credit card or a loan you will seek may be subject to varying charges. You have to pay some charges, fee and interest, issuance fees, annual fees, maintenance charges, part payment fees, and many more once or periodically. Raise a dispute with the lender for any discrepancy or wrong charges.
  4. You need to be informed that they are applicable and when they apply. It would affect your score if you didn’t pay attention when signing up and then challenge the charges.
  5. Non-receipt of the statement: You can not pay the due amount because the credit card statement has not been issued. However, you are obliged to pay the remaining balance regardless of receipt of the statement in the terms and conditions. Your reason for missing payments is not considered legitimate.

If the balance is not charged, you can incur a late payment charge and a service fee. Try to fix your problem faster so that your credit score is not impacted.

  1. Disputes with a lender on account of fraud: If you find out that the report mentions a fraudulent transaction, raise this to the lender in question. The lender takes care to make a final decision. Have these conflicts sorted out as easily as possible, so that your credit report does not leave a trail.


  • A credit repair agency cannot explicitly delete or edit the credit report information.
  • The online dispute resolution process is available free of cost on credit rating agency websites such as CIBIL Transunion, Equifax, Experian etc.
  • All changes to your credit report must be accepted by the Banks and Financial institutions.
  • The final credit report shall only be submitted to the customer to their email address or postal address even though you apply for a credit repair through a company. The report’s content is confidential and not communicated to anyone.
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“Financial companies develop and supplement the financial market of Ukraine,” says Irina Tsybulnik




financial market of Ukraine," says Irina Tsybulnik

Head of the department for the development of services and the payment system of the LeoGaming fintech company Irina Tsybulnik talks about the development of the non-bank financial services market and explains the rapid growth of popularity of payment terminals and “mobile” money.

Can you tell us about the market of non-bank financial institutions? What are the key characteristics of its development in recent years?

The majority of people are aware of the fact that the influence of non-bank financial institutions (hereinafter referred to as NBFIs) in the financial market of Ukraine has grown significantly in recent years. It happened both as a result of the natural development of the market in the current legislative environment, as well as because of changes in the structure of the financial system itself.

A few years ago, small banks left the market. The reason was simple: they could not withstand the crisis in the domestic economy. At the same time, their place was not taken by financial companies. They simply cannot do this, since banks and NBFIs are different entities of the financial industry, although they have similar properties in many aspects. However, keeping in mind the fact that regulatory pressure on banks was increasing, financial companies were able to occupy those niches, where banks could not operate any longer. NBFIs became transactional organizations for payment systems that include banks. For example, the LEO international payment system works using the same way.

As a result, the market was distorted, which was solved by the Split Law (No. 79-IX) that came into force in July 2020. Supervision of financial companies was transferred to the NBU, thus allowing creating the unified “rules of the game” for the main financial services provided by all participants. We are talking about money transfers, credit services, and currency exchange operations. Financial companies often create strong fintech brands, while banks actively work with them. The financial company develops a technical solution, while the bank provides financial infrastructure. Thus, a holistic ecosystem has been actively created in Ukraine in recent years. It is worth noting that non-bank financial institutions have a very stable position within this ecosystem.

What are the key segments where non-bank financial institutions can compete with banks?

Banks are not able to offer a wide range of financial services. These functions are most often performed by the NBFI. First of all, we are talking about insurance. If the bank decided to provide insurance services, it has to cooperate with an NBFI, while the bank works as an insurance intermediary.

Secondly, we are talking about lending. In this case, banks and NBFIs play on the same field but having different audiences. NBFIs work with the segment of customers who need credit services but have no chance to get a loan from a bank due to higher requirements for the creditworthiness of the borrower. These are low-income individuals, who use the services of credit financial companies or pawnshops. The interest rate on the loan there is higher because of the riskiness of the operation.

Thirdly, we are talking about currency exchange operations. As you know, it is much easier for a financial company with a currency license to open a currency exchange office than for a bank to open a new branch. It turns out that NBFIs have a wider audience, sometimes introducing innovative cases. For example, our LeoGaming Pay financial company has launched the first office for currency exchange operations in Ukraine with a software payment transactions recorder.

How the new law on financial monitoring affected the financial market and the clients of financial companies?

Law No. 361-IX improves the financial monitoring procedure and brings it in line with the financial monitoring standards established by international and European authorities.

First of all, it is worth noting that the law expands and tightens the requirements for the identification of people making money transfers. For example, these days one cannot top-up any service for the amount of more than 4999.99 UAH by using a payment terminal. To pay more than 5,000 UAH, you must enter your identification data. Previously, such a requirement also existed, but it was applied for amounts over 15,000 UAH. However, there are several exceptions:

* Payment of utilities, taxes, fines, and other budget payments (regardless of the amount)

* Repayment of loans of less than 30,000 UAH.

At the same time, the amount of a financial transaction subject to financial monitoring has been increased from 150,000 UAH to 400,000 UAH.

The new law introduces a risk-based approach to the implementation of financial monitoring, which means a deeper check of suspicious customers and a simplified one for reliable ones.

The law also introduces the long-awaited possibility of remote verification of the client without any need for their physical presence. These days, the entire process of verification of the client’s identification data can be carried out, for example, using the BankID system by NBU, or a qualified electronic signature.

Besides, new approaches to the responsibility of the subjects of the preliminary financial intelligence are worth your attention. The number of fines has significantly increased. Also, the amount of the fines for specific types of violations are clear now.

How is the market of payment terminals developing in the context of the growing popularity of non-cash payments?

It is worth noting that the market continues to grow. Only this fact alone eliminates any negative connotation from the question. The terminal business is inventing new niches and options for working in the realities of the growing cashless economy. But at the same time, it is worth remembering that the main audience of customers of payment terminals (and these are millions of Ukrainians) did not suddenly stop paying in cash because they had a PayPass card to pay for groceries in a supermarket. I want to highlight another important thing. The coronavirus has not killed the will of people to pay in terminals. Even in 2020, we saw stable growth in turnover. A wide array of marketing tools stimulated this demand. In general, the situation is the following: when people stay at home, they play games. But they are used to top up their accounts in the terminal located in the nearest grocery store. They do not want to enter all the card credentials in the browser.

If we talk about development, there are several amazing projects here. For example, the iBox terminal network was the first to install NFC readers on terminals. By using this advanced system, the client does not need to enter 16 digits of the bank card to top it up. They can just approach the card to the reader. In addition, Sistema terminals allow using the DIYA verification app to make payments of more than 4999 UAH.

Can terminals compete with online payments? If yes, in which segments?

They do not have to, because they develop in the same direction. One of the most popular services in payment terminals is the ability to top your bank card up. In fact, the terminal has become a mediator allowing people to move from cash to non-cash economy.

A payment terminal is one of the many popular payment methods for goods and services. Local companies worked, work, and will work with terminals because the business needs to have direct access to the customers.

What is the role of mobile money in the Ukrainian reality? Is it really popular among the people? When do they use it?

This is a convenient non-bank payment alternative. The “mobile money” payment method is the evolution of payments using SMS commands, which has existed in Ukraine for almost 20 years. Now the mobile balance payment buttons appear in the payment forms of websites and apps along with the bank card payment options.

In general, the prevalence of mobile money depends on the category. For example, in the field of online games, the share of payments with mobile money ranges from 5 to 30%, depending on the service. Operators are investing resources in the development of their “payment buttons”, thus exploring new niches. For example, LeoGaming together with the three operators launched parking payment via SMS commands in Kharkiv. During the first days, the demand exceeded all our expectations.

What are the most prospective areas for mobile money? Can you give us examples where mobile money will be useful to the average consumer?

The main advantage is the simplicity and clarity of this tool for its target audience, i.e., people aged from 35 to 55 years. They use the same way of payment for many years in a row. In addition, they are also active users of terminals. The payment takes place immediately, while the person just needs to confirm it with an SMS code. In addition, there is a large segment of people in Ukraine who do not have a bank card. For them, paying with mobile money is a good solution to substitute bank cards.

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Top 5 Careers You Can Have with an Engineering Degree




Whether you have earned JCU’s bachelors of engineering or are just starting on the path, you’ll want to know the careers available to you. After lots of hard work, it’s nice to know there’s a rewarding job at the end of it. Here are five of the top careers you can have with an engineering degree!

Patent Law

Straight off the bat, here’s a field you probably didn’t expect. When working on your engineering degree for so long, it’s nice to have a break from the intensity of it all and this is why some people go into patent law. By working with intellectual property (IP), you’re still in the engineering field but putting your expertise to a slightly different use.

Rather than coming from a legal background, many patent lawyers are actually engineers because it’s the technical expertise that helps them to deal with innovations and intricate designs. Of course, this one will require more training, but it’s all the more rewarding on the other side.

Teaching or Lecturing

For some people, they have a desire to pass their engineering passion on to the next generation. If so, you may have a career in teaching or lecturing. Which will you choose? On the one hand, you can teach school children and pique their interest at an early age. Alternatively, lecturing allows you to go deeper for young adults who have chosen engineering as a potential career path.

As fellow teachers will tell you, this is a rewarding job because you’re building problem-solving skills in students. As a key member of the teaching team, you might just influence a handful of future engineering experts for the field.


In truth, an engineering degree opens you up to multiple consultancy careers. The obvious example would be consulting on engineering-related projects. By lending your expertise to projects, the benefit of this is that you can work on something different every week; your work is always changing.

Elsewhere, you might become a problem-solver for businesses of all shapes and sizes. You come in as a consultant, assess the main problems of the business, and create solutions for them to become more efficient. Over time, you’ll use statistical modelling and data analysis to help a business to grow in the market.


It’s time to address the obvious because an engineering degree will allow you to enter the engineering world. However, you’ll need to choose your specialisation (if you haven’t already). Here are some possible fields:

  • Materials engineering
  • Chemical engineering
  • Mechanical engineering
  • Electrical engineering
  • Technical sales engineering
  • Petroleum engineering

Depending on your specialisation, this could open the door to work in logistics, supply chain, operation management, and purchasing/procurement.

Sports Development

Finally, those with a passion for sports could use their engineering degree as a way into the industry. Sports engineering encompasses fluid mechanics, thermodynamics, manufacturing, and much more. These days, organisations are willing to listen to scientists/engineers when it comes to coaching, sports equipment, and even stadiums/arenas.

While on the topic of sport, you could go into mechanical engineering and work in the world of motorsport. For instance, Formula 1 might take your fancy. Travel the world while working with other elite engineers on the fastest track cars on the planet.

When you have an engineering degree, the career you choose is completely up to you. Don’t think you’re restricted to engineering itself because the skills apply to careers like patent law and sports development. Hopefully, your mind is now more open, and you can discover other amazing careers!

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Learn and Earn from Amazon FBA with Kevin David




Amazon FBA

Amazon’s newest business chance – Amazon Fulfillment Services – received a great deal of attention last year anyway.  Whereas their square measures several edges and blessings to the present arrangement in any local business, one unnoticed space of confusion and doubt has been the “FBA” downside of pis aller.

One massive bonus is that by victimization a web filling company, like Amazon, you’ll eliminate the requirement for dear third-party storage and save tons of additional storage cash that massive e-commerce stores need to manage. That is often one in every of the most critical com businesses’ edges, creating the Amazon platform’s move. However, will Amazon’s FBA program work? And what will it need to do together with your invention? All questions and answers are available in how to start an amazon fba business- Kevin David.

Chose the category for Amazon FBA Store

Amazon is one of the most important on-line retail stores within the world, and with the launch of Amazon FBA, they need to place thousands of outlets guilty of their entire business. Amazon FBA merchants don’t need to create or manage any things to send or receive credit cards; thus, Amazon will do everything for them. However, Amazon works by permitting FBA merchants (you) to sell you and sell their merchandise. Once associate degree order is received, Amazon sends the item from their warehouse to customers. United Nations agency eliminates the necessity for retailers to store/store their merchandise or ships them. Amazon takes care of everything from the payment process to obtaining the merchandise into your customer’s hands. For any tips and suggestions for FBA, you can connect with a specialist, and the course is how to start an amazon fba business- Kevin David.

Find and Sell in Amazon FBA

The first factor to try and do if square measure you’re trying {to find searching for} product opportunities on Amazon is to find out that niches are profitable. The top profitable niches square measure sometimes those wherever there’s not much competition. This implies you may not exert to advertise your web site, as there’ll be many purchasers UN agency already wish the product offered in your store. You may also realize that these products’ costs don’t seem high; therefore, you may not worry about heating your advertising budget. Therefore, let’s take a glance at a number of the few necessary things to contemplate once you wish to search out product purchasable on Amazon FBA. If there is any problem to understand, enroll in the best course on how to start an amazon fba business- Kevin David

Sell the product and make money from Amazon FBA.

Amazon is one of the highest on-line commerce websites and features a superior platform for retailers to create cash on-line. The general public doesn’t understand that with some analysis on provide and search and finding the proper suppliers, you’ll flip any niche into an internet store.

To find the most out money you spent and time and start-up prices, do your analysis and notice a decent leader on the Amazon FBA platform, which will help you build a solid store base so that your valuable resources square measure endowed instead of wasted. If you produce your businessperson account on Amazon, then you’re getting into a replacement world on the way to create cash on Amazon. Before you begin, there are many kinds of stuff you got to recognize and contemplate. Because you’ll promote a large variety of product like books, DVDs, games, music, computers and code, food and lots of a lot of you have got to attach the dots to create an excellent on-line store with the facility to remain. Apprehend your niche, apprehend your audience, and do your analysis to make a product that individuals love and trust.

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