What is Network Marketing? Everything You Need To Know

Network marketing is a business model that relies on one-on-one sales by independent representatives, many of whom work from home. A network marketing business may necessitate the formation of a network of business partners or salespeople to assist with lead generation and sales closing.

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There are many legitimate network marketing companies, but some have been labeled as pyramid schemes. The latter may focus less on consumer sales and more on recruiting salespeople who may be required to pay for expensive starter kits upfront.

KEY TAKEAWAYS

People with high energy and strong sales skills who can build a profitable business with a small investment are drawn to network marketing.

A network marketing business can be either a single-tier program in which you sell the products or a multi-tier program in which you recruit additional salespeople.

Be wary of network marketing companies with multiple tiers of salespeople or require you to buy expensive products or training material upfront. Before you join, do extensive research on the company.

What is Network Marketing?

Multilevel marketing (MLM), cellular marketing, affiliate marketing, consumer-direct marketing, referral marketing, and home-based business franchising are all names for network marketing.

Companies that use the network marketing model frequently create tiers of salespeople, which encourage salespeople to recruit their own networks of salespeople. The creators of a new tier (or "upline") earn commission on their own sales as well as the sales of those in the tier they created (the "downline"). With time, a new tier can sprout, which contributes more commission to both the top and middle tiers.

Network Marketing's Benefits and Drawbacks

There is some stigma associated with the networking marketing industry, particularly those with multiple tiers that can be characterized as pyramid schemes—that is, salespeople in the top tier can make impressive amounts of money on commissions from the tiers below them. People in the lower tiers will earn significantly less. The company generates revenue by selling costly starter kits to new recruits.

The allure of network marketing is that a person with a lot of energy and good sales skills can build a profitable business with a small initial investment.

According to the Federal Trade Commission (FTC), an operation that guarantees compensation based on actual sales to real customers is more reputable than multi-tier schemes in which people make money based on the number of distributors they recruit.

Particular Considerations

Anyone thinking about joining a network marketing operation should do their homework first. Consider the following:

• Was it an opportunity to make money by selling products or recruiting others?
• What is the company's founders' track record?
• Are you personally enthralled by the products?
• Are the products popular among those you know?
• Is the product effectively promoted?
• Do you see a relatively quick path to profits or a long period of treading water?

Is there a pyramid scheme in network marketing?

While network marketing and multi-level marketing programs have been accused of being pyramid schemes, there are some key distinctions. While those who can recruit more members into the program often enjoy higher residual commissions, network marketing is a legitimate and legal business structure that sells real products and services to customers.

Conclusion

The majority of people who participate in legitimate network marketing programs make little or no money. Individuals may lose money. Some people may become involved in an illegal pyramid scheme without realizing it, and they may lose everything they invest. Before you jump in, do some research and ask around.

What are Six Sigma and E-Commerce: Everything You Need to Know

The term eCommerce is short for Electronic Commerce. The eCommerce is an ongoing process that has evolved over the decades, and it is a permanent presence within the business world. It is a type of business that offer goods and services to the global market via the internet. The eCommerce is a business equation that deals with physical and intangible goods. E-Commerce businesses can be classified into three categories they are personal selling, mail order selling and online selling.

On the other hand, Six Sigma focuses on reducing the number of defects in business processes to ensure quality and efficiency. It can be used in a variety of fields and levels. A project can be as large as an entire business or as small as an individual task. In this article, we'll discuss the basics of Six Sigma, how it helps your business, and how to get started.

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What is Six Sigma?

Statistics and data analysis are used in the Six Sigma process to identify and minimise errors or flaws. This approach aims to decrease manufacturing faults to no more than 3.4 defects per million units or events while increasing cycle times.

OR, Six Sigma is a methodology that gives businesses the tools they need to manage their operations more effectively. By enhancing performance and reducing process variance, it is feasible to lower defect rates, boost employee morale, and raise the calibre of output, all of which help to increase profitability.

By lowering the likelihood of error, the Six Sigma collection of management tools and procedures are intended to increase the capability of the business process. Six Sigma is a data-driven strategy that employs statistical methods for defect eradication, reduction, and revenue growth.

The phrase "digital transformation" has gained popularity in this decade. Large and small businesses alike are transforming as they fight for a larger share of the market in a highly competitive environment, supported by new technologies and tools. But will it be sufficient to speed up a company's transformation? Can a standalone technology implementation help resolve a service design problem or reduce a bottleneck in the production process?

Describe E-Commerce

E-commerce is the practice of buying and selling products and services online. Customers use electronic payments to make purchases from the website or online store. The merchant sends the products or renders the service after receiving the payment.

Electronic commerce has been since the early 1990s when Amazon just sold books, but it is now a multibillion-dollar sector that has grown even more due to the pandemic. E-commerce expenditure reached $347.26 billion in the first half of 2020, up 30% year over year, according to Digital Commerce 360's analysis of U.S. Department of Commerce data. For comparison, during the first half of 2019, e-commerce sales only rose by 12.7%.

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It is not unexpected. Customers have become accustomed to purchasing everything from food to furniture from internet sites since they had few other options.

According to studies, people are likely to maintain their new behaviours, said Tory Brunker, director of product marketing at Adobe, in an interview with Business News Daily. I firmly believe that this is the new normal.

Several online shopping categories, including over-the-counter medications, groceries, household goods, and personal care products, are expected to expand by more than 35%, according to consulting company McKinsey & Company.

What are ERP and WBS Mean: An Overview

Enterprise resource planning (ERP) is a form of enterprise software that integrates most of the core business functions of an organization like Manufacturing, Finance, and Operation.

ERP is a business software that includes all business modules from product planning to fulfillment and from marketing to finance and human resources i.e. it provides an effective solution to virtually all business challenges that require seamless integration across functional areas

On the other hand, Work Breakdown Structure(WBS) is a hierarchical decomposition of the work to be executed by the project team to accomplish the project objectives and create the required deliverables.

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Without further ado, let's get started. 

What is ERP?

The full form of ERP is Enterprise Resource Planning. Businesses use enterprise resource planning (ERP) to coordinate and manage the crucial aspects of their operations. Numerous ERP software programs are crucial to businesses since they assist in implementing resource planning by combining all business operations into a single system.

A software system for enterprise resource planning (ERP) can also incorporate planning, inventory buying, sales, marketing, finance, and other functions.

Key Takeaways of ERP:

• All operations required to run a business can be integrated with ERP software.
• Over the years, ERP solutions have changed, and many of them are now often web-based programs that users can access from anywhere.
• One source of information, precise, real-time data reporting and open communication across business units are a few advantages of ERP.
• If a business doesn't deploy an ERP system carefully, it may not be effective.

Enterprise Resource Planning: An Understanding (ERP)

A major organization's various computer systems might be thought of as being joined together by an enterprise resource planning system. Without an ERP program, each department's system would be tailored to perform its particular job. Each department still has its own system, but with ERP software, all systems can be accessed through a single application with a single interface.

The use of ERP solutions also improves communication and information sharing between the various departments and the rest of the business. It gathers data on the activity and condition of various divisions and makes it accessible to other portions so they can make efficient use of it.

By connecting data regarding manufacturing, finance, distribution, and human resources, ERP solutions can aid a company in becoming more self-aware. An ERP solution can avoid expensive duplications and incompatible technology since it connects the many technologies utilized by each firm's division. Accounts payable, stock control, order monitoring, and customer databases are frequently integrated into one system through this method.

Enterprise Resource Planning Advantages

Enterprise resource planning (ERP) is used by businesses for various purposes, including growth, cost savings, and improved operations. While each organization may have various goals and outcomes, several are noteworthy.

Redundancies are eliminated, accuracy is increased, and productivity is increased through the integration and automation of business operations. Once their processes are integrated, departments may coordinate their efforts to provide quicker results.

What is WBS?

Work can be made more manageable and approachable by using a common productivity strategy called task breaking. The Work Breakdown Structure (WBS), one of the most significant projects management papers, is the tool that applies this technique to projects. It does it independently, integrating scope, cost, and schedule baselines to guarantee project plans are in sync.

The Work Breakdown Structure is a "deliverable-oriented hierarchical decomposition of the work to be completed by the project team," according to the PMI Project Management Book of Knowledge (PMBOK). WBS can be divided into two categories: deliverable-based and phase-based. The deliverable-based strategy is the most popular and preferred method. The Elements listed in the first level of the WBS are the primary distinction between the two methodologies.

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Key Takeaways of WBS:

• By assigning effort estimates to particular areas of the WBS,
• It specifies and organizes the necessary work and speeds up the creation of a timetable.
• It gives a visual representation of the whole scope and can be used to identify communication points. It can identify potential scope hazards if a branch is poorly specified.
• It can be used to display and delegate accountabilities and obligations since it gives a visual representation of the effects when deliverables are behind schedule.

Control Accounts

The WBS can also be used as a tool for monitoring and regulating. Control Accounts are defined to achieve this. WBS Elements, known as Control Accounts, are where the project intends to track and report performance. Any WBS element may be one of the Control Accounts. The project manager for the House Project determines that reporting on each subcontractor's performance will help better manage the risks involved with using them. Elements 3.1, 3.2, and 3.3 have been designated as Control Accounts so that their performance may be tracked. The project does not feel like monitoring and regulating are required at lower Levels, and business resources will carry out the remaining work in Elements 1.0 and 2.0 with less risk.

Conclusion

WBS and ERP are two business management software that has been around for a long time. One of the main differences is that the Key Performance Indicators are basically the same- the difference is in the software that delivers the information. ERP creates a high data stream between the software and business processes. WBS is software that is most useful in the planning stage of business. A conclusion between the two is this- just because a company has chosen one or the other doesn't mean they can't connect or work together in any way.

what is erp and wbs means

Computer Science vs Java Programming: What’s the Difference?

Writing code in a computer language is programming. Learn how computer science involves increasingly complex technological concepts and abilities and is much more than just coding.

Despite their apparent similarity, computer science and computer programming or coding differ significantly. Programming is a smaller aspect of that broad field of computer science, further fragmented into individual coding languages like Python, Java, or HTML, whereas computer science offers a comprehensive understanding of all facets of contemporary, interconnected computers and large-scale, complex systems (for example, a customized machine learning algorithm). While programming takes place in the execution or implementation stage, computer science is wide and strategic.

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While both can be worthwhile areas of study, you must be aware of the key distinctions between computer science and computer programming to match your academic interests with your professional aspirations.

So, without further ado, let's get started!

What is Computer Programming?

Coding and computer programming are essentially the same thing. Some estimates place the number of coding languages at around 700, although about a dozen are used most commonly in industry and government for back-end development or front-end applications (such as websites, mobile apps, and games) (web servers, databases, and integrations). Writing code in programming languages like HTML/CSS, JavaScript, Python, Java, C#, and others, then testing it to ensure it sends the right instructions for a network of connected computers to carry out tasks as specified, is known as computer programming. The first widely used programming language (Assembly Language) was developed in 1949, despite the fact that it is commonly accepted that the first computer language was invented in 1883 to facilitate number operations.

What distinguishes computer programming from computer science?

Many programmers and software engineers can only put into practice the programs that other computer scientists come up with, severely restricting their ability to spur innovation in their industry. Advanced computer scientists are equipped with the fundamental knowledge needed to apply their abilities, including programming, to nearly any problem. In a restaurant, a Line Cook can follow a recipe and execute it properly, but a Michelin-Star Chef will develop new recipes, introduce novel techniques, and continue to hone and improve those recipes over time.

What is Java Programming?

The object-oriented, class-based, general-purpose programming language Java was created to have fewer implementation requirements. It is an application development platform for computers. Java is consequently quick, safe, and trustworthy. It is commonly used to create Java applications for smartphones, game consoles, laptops, data centers, and other devices.

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What is the purpose of Java?

Several significant Java programs are listed below:

• It is utilized to create Android applications.
• Allows you to construct a variety of mobile Java applications and enterprise software
• Computing Applications in Science
• Use of Hardware Devices for Java Programming for Big Data Analytics
• Utilized by server-side technologies such as Apache, JBoss, GlassFish, etc.

What are the Different Skills Needed for Computer Science vs Programming?

A wider variety of skill sets are needed because computer science occupations offer more options than programming careers.

Among these abilities are:

• Knowledge of computers and technology: Computer scientists must comprehend machine architecture and how computers and operating systems function.

• While coding is not a computer scientist's primary responsibility, it is a vital ability. You must comprehend many programming languages, algorithms, and data structures in order to advance in your career.

• Data management is a skill that computer scientists must possess. This includes the deft use of databases and other technologies for collecting, arranging, and manipulating significant amounts of data.

• Communication skills are necessary for jobs in computer science because they involve working with professionals and laypeople. Technical writing, public speaking, and data visualization are essential abilities for computer scientists.

• Math: Math assists in efficient problem-solving and aids in the understanding of data structures and programming languages. Calculus, linear algebra, statistics, and other sophisticated mathematics are necessary for computer scientists.

Conclusion

Computer science is the study of machines that process information. This includes the development of computer hardware and software. The average salary for a computer scientist is $80,000, but this can vary depending on the industry that they work in. The required education to become a computer scientist is an associate's or bachelor's degree in computer science and mathematics or computer engineering. Many students study computer science instead of computer engineering because the former teaches you more theoretical computer science, focused on how the technology works, while the latter teaches more hands-on engineering, focused on building it.

This is the end of this blog hope you like it!

Javascript vs C: 7 Key Differences Between Them

JavaScript is the most widely used programming language, according to a Stack Overflow study. The survey found that around one in five developers still uses C, a language that is 50 years old. This article explains the distinctions between C and JavaScript as well as the continued use of C.  

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Without further a let first know about C & Javascript language, and then we further move to their differences.

What is JavaScript?

Every time a web page does more than simply sit there and display static information for you to look at — displaying timely content updates, interactive maps, animated 2D/3D graphics, scrolling video jukeboxes, etc. — you can bet that JavaScript is probably involved. 

JavaScript is a scripting or programming language that enables you to implement complex features on web pages. It is the third tier of the layer cake made up of common web technologies, the first two (HTML and CSS), which we have already examined in great detail in other sections of the Learning Area.

Javascript Features: 

• Light Weight Scripting language.
• Dynamic Typing.
• Object-oriented programming support.
• Functional Style.
• Platform Independent.
• Prototype-based.
• Interpreted Language.
• Async Processing.

What is C? 

Computer programming is done in C. In other words, you may write lists of instructions for a computer to follow in C. C is one of the countless programming languages used today. Because it allows programmers the most flexibility and efficiency, the programming language C has been around for many years and has gained considerable adoption. Learning the language C is simple. Although it has a slightly more cryptic style than some other languages, you get used to it quickly.

Features of C Programming language : 

• Simple.
• Machine Independent or Portable.
• Mid-level programming language.
• Structured programming language.
• Rich Library.
• Memory Management.
• Fast Speed.
• Pointers.

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7 Key Differences Between JavaScript vs C

• C is already compiled. A just-in-time (JIT) compiler interprets and occasionally compiles JavaScript while it is being used.

• C has static typing. JavaScript utilizes dynamic typing.

• Blocks of memory must be allocated and released by programmers when using C. This is handled automatically by JavaScript.

• If C code is transferred to a new processor, it must be recompiled. JavaScript is not necessary.

• Through pointers, C is made to interact directly with the computer's memory. JavaScript conceals this ability.

• C is frequently used for operating systems and other high-performance embedded computing applications. Initially only seen in web pages, JavaScript is now playing a new role in server applications created using Node.js.

• JavaScript promotes multitasking by breaking down tasks into asynchronous functions run when data is ready, whereas C provides explicit thread management.

System type

Since C is a static-typed language, compile-time knowledge of variable types is possible. Each has a format specifier, so you must keep track of them and declare them before using them. It could seem difficult if you are new to coding. Additionally, if you want to save a variable's value in a different format, you must establish a new variable.

However, because JavaScript is a dynamically typed language, type verification takes place while the program runs. Additionally, because it uses weak typing, the type of a variable can vary depending on how you use it in the source code. As you don't need to know variable types or declare them like in C, it seems convenient for a beginning.

Applications:

With web frameworks like React and Express, websites and apps are developed using JavaScript. It can also be used by programmers to create games and artificial intelligence. JavaScript is a prototype-based language, making it simple for programmers to maintain and update their creations. Facebook, Instagram, Discord, Pinterest, Wix, and Walmart are a few examples of apps created in JavaScript (React Native).

Contrary to the popular use of JavaScript, C is now mostly used by developers to create embedded systems, drivers, kernels, and libraries. Stability is the primary need in such domains, and C is quite fast despite not supporting object-oriented programming. The Linux kernel, which is composed almost entirely of C code, serves as an example of this. The fact that roughly one-third of the common Python libraries are C implementations is another intriguing illustration.

Conclusion:

JavaScript can be used as both a procedural and an object-oriented language, in contrast to C, a procedural programming language. If you only consider one feature, you might believe JavaScript can completely replace C. But it can't since JavaScript is an interpreted language while C is a compiled language, and compiled languages are typically quicker because they are compiled to native machine code.

Books To Read Weather You Are In Finance or In Economics

books to read

If you're a small business owner, you may want to know the basics of bookkeeping. Bookkeeping is the management of business and financial documents, including everything from bank statements to receipts. Bookkeepers are the ones who handle all the paperwork, including making sure that all the numbers are tallied up and the overall balance is within the expected range. You can increase your profits by maintaining good records and paying attention to your expenses. Books about bookkeeping can be found at any local bookstore, but we also have them on our website for you to order.

On the other hand, This post gives you a brief overview of the popular book Microeconomics by Paul Krugman and Robin Wells. Their book offers a straightforward approach to the ins and outs of microeconomics while tackling the more complicated concepts that may be unfamiliar to those who have not taken any courses in the subject. This book talks about a lot of things that are important to know in the topic of microeconomics, for example, the consumer, producer, social welfare and others.

Let's get started with finance. It is the duty of bookkeepers to deliver correct, current financial data about a company. They are always monitoring the state of a company. Their reports are typically sent to managers and corporate owners to aid in decision-making. However, some bookkeepers actually work on developing strategies. If you want to learn about finance then you have read some bookkeeping books that we have provided you.

Below is the list of top 10 Bookkeeping Books

1. Bookkeeping Made Simple

By David A. Flannery

2. Bookkeeping-All-In-One For Dummies

By Ita Epstein, and John A. Tracy

3. Full Charge Bookkeeping

By Nick J. Decandia

4. Bookkeeping Essentials 

By Steven M. Bragg

5. Bookkeeping and Accounts

By Frank Wood and Sheila Robinson

6. E to Z bookkeeping

By Barron’s E – Z series By Kathleen FitzPatrick and Wallace W. Kravitz

7. The E Myth Bookkeeper

By Micheal E. Gerber, Roberts Debbie, Peter Cook

8. Keeping The Books

By Linda Pinson

9. Bookkeeping Basics

By Debra L. Ruegg and Lisa MVenkatrathnam

10. Bookkeepers Boot Camp

By Angie Mohar

This is the end of bookkeeping books. Now let's further move to Microeconomics books.

Microeconomics is the study of how people, households, and businesses make decisions and distribute resources. It mainly pertains to markets for products and services and addresses both personal and financial concerns.

Below is the list of top 10 Microeconomics Books

1. Principles of Microeconomics

by ( N. Gregory Mankiw)

2. Freakonomics. A rogue economist explores the hidden side of everything

by (Steve Levitt and Stephen J. Dubner)

3. CoreMicroeconomics

by ( Eric Chiang)

4. Microeconomics for today

by Irvin B. Tucker

5. Microeconomics

by Paul Krugman and Robin wells

6. Advanced Microeconomics Theory

by Felix Muñoz–Garcia

7. Microeconomics made simple, explained in 100 pages or less

by Austin Frakt and Mike Piper

8. Microeconomic Theory

by Andreu Mas-Colell, Michael D. Whinston, and Jerry R. Green

9. Modern Principles: Microeconomics

by Tyler Cowen and Alex Tabarrok

10. Microeconomics: Principles, Problems, & Policies (McGraw-Hill Series in Economics)

by Campbell McConnell, Stanley Brue, and Sean Flynn

Important Finance Interview Questions & Answers

The finance industry is divided into many different departments, each of which specializes in a different area. People who join these departments may have different reasons for doing so. For example, some people join the finance department to work in the accounting department while others may choose to work in the finance department of a company.

However, the finance job interview question is one that is asked by all departments. This blog discusses some of the common questions asked in these interviews.

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Finance Interview Questions for beginner-level 

Given below are some questions and answers for a finance interview for the beginner level.

1. What motivates you in your job?

This question is one of the fundamental questions asked in a finance interview. In addition, This question examines whether the student will fit in with the company and the job opportunities. Build your inspiration towards what the finance job has to offer you.

In addition, the main motivation in your job is to meet goals, meet deadlines, and learn new things. Although coming up with creative ideas to make some things better.

2. What is working capital? 

Working capital is the amount. Additionally, the use of this amount by the company in its day-to-day trading operations. In addition, it is a measure of the efficiency of the company's liquidity or short-term financial health. 

The calculation of Working capital by deducting current liabilities from the current asset, as listed on the company’s balance sheet. Moreover, Current assets include stock inventory, cash, cash equivalent, marketable securities, and account receivable. Current liabilities include short-term debt, dividends, accounts payable, etc. 

3. What is a cash flow statement?

A cash flow statement is the most crucial tool. The use of this tool to manage finance by tracking the cash flow of an organization. This statement is one of the balance sheet and income statements that helps in determining the performance of the company. 

As well, it also displays the source of cash and helps you observe outgoing and incoming money. 

4. Explain preference capital? 

Preference capital is that part of the capital raised by way of shares of preference capital. In other words, it is a hybrid form of financing, in which there are characteristics of Debenture and also characteristics of Equity.

5. Can a company appear positive cash flow while facing financial problems?

Yes, the company appears positive cash flows while facing financial problems. Furthermore, positive cash flows are an indication that the cash balance of an entity has increased from its previous year. 

Finance interview questions for Intimidated-level 

Here are some questions and answers for a finance interview at the intermediate level.

1. Explain the fair value? 

The fair value is usually based on the most recent pricing and quotation of an asset. For instance, during the last 4 months, the share price in the company was $30, but it fell to $30 during the recent revaluation, so the fair value would be $30.

2. What do you mean by RAROC?

The RAROC full name is the risk-adjusted return on capital which is a modified return on investment that takes into account the elements of risk. Additionally, it is the rate of return measure ordinarily utilized in financial analysis, where multiple endeavors, projects, and investments are evaluated based on capital at risk. 

3. Explain the difference between costing and cost accounting? 

Costing means practicing the cost of any product, service, or activity at multiple times and stages of production. It is not used for decision-making. 

On the other hand, cost accounting is the process of accounting that classifies, allocates, records, summarizes, and controls the cost of any product, service, process, or activity. The use for decision-making. 

4. How do I calculate the WACC?

The weighted average cost of capital means the average cost to attract investors, whether they are stockholders or bondholders. 

The calculation of WACC is multiplying the cost of each equity and debt (capital source) by its appropriate weight by market value and then adding the products together to determine the total.

Finance interview questions for Advanced-level 

Given below are some questions and answers for a finance interview at an advanced level. 

1. What is meant by Put Option?

Put option refers to an option where you have the right to sell the stock at a specific price at a specific time. For this right, they put buyers to pay the seller a sum of money, which terms as a premium.

2. What do you mean by Goodwill?

Goodwill is a tangible asset. One company buys it from another company. It contains the excess of the purchase price over the fair market value of an acquired business. 

3. What is the difference between a journal and a ledger?

Journal is a subsidiary book of accounts. Transaction records keep in this book. On the other hand, Ledger is a principal book of accounts. It contains transaction classifications and is also recorded in the journal.

Conclusion ( Finance Interview Questions )

This blog has provided you with the questions and answers asked at the time of the finance interview. We have asked these questions at three-level, beginner level, intermediate level, and advanced level.

However, the above finance interview questions given will surely help you in clearing the finance interview. Additionally, this blog has separate questions for Beginner, Intermediate and Advanced levels. 

If you want to be successful in a finance interview then make sure to get masters in the above-given questions. This blog is very good for cracking finance interviews to get success.

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