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Xe Currency Converter. These are the highest points the exchange rate has been at in the last 30 and day periods. These are the lowest points the exchange rate has been at in the last 30 and day periods. These are the average exchange rates of these two currencies for the last 30 and 90 days.

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Saving and investing practical money skills money

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As patients sleep, you observe their brain waves, breathing patterns and heart rates. Certification requires completing 80 hours of an accredited sleep technologist education program and nine months of on-the-job training. You must complete at least 30 hours of continuing medical education within three years of certification.

If you have travel experience and want a career in travel, becoming a certified travel associate might be a good idea. The Travel Institute enables you to study at your own pace, as long as you complete the course in 12 months. Completing a six-month auto repair technician training program can help you secure work as an auto mechanic with dealerships and private auto shops.

The course has no end date, and you can learn as little or as much as you like. Information security training paves the way for a career in cybersecurity. Work with government agencies, retailers and other businesses to protect sensitive information from hackers. Boston University, for example, offers an online Information Security Graduate Certificate program , which students can complete in eight months.

Certified financial planning certification is an asset if you work in banking, insurance, investing or another financial field. Program schedules vary, but you can usually complete training in less than a year. Electricians are responsible for installing and maintaining electrical systems. You can complete a career training program in about a year at a vocational school or receive on-the-job training. If you continue your education, you can become state-licensed or become a licensed journeyman electrician.

HVAC mechanics work in maintenance departments for commercial and residential buildings or find employment with heating and air-conditioning companies. Plumbing experience creates opportunities to work in maintenance or construction. Plumbing courses are available through vocational schools and community colleges, and you can typically complete them in less than a year. At Blackstone Career Institute , for example, you can complete paralegal studies in as few as four to 12 months.

University of Maryland University College offers a computer networking undergraduate certificate that involves six classes. Police academy training prepares you for a career as a city police officer, which can be valuable for a long-term career in any branch of law enforcement or the military. Basic law enforcement training takes about four to six months. The cost of training varies.

Computer-aided drafting design skills are useful in different industries like interior design, civil engineering and surveying. A certificate can land you an entry-level drafting job or drafting assistant job. Quality inspector classes teach how to check products for defects and maintain quality standards in different industries, such as in manufacturing, engineering or construction.

After completing an approved quality inspection training program or receiving a minimum of two years of on-the-job training, you might be eligible to take a quality inspection exam. Becoming an EKG technician qualifies you to perform electrocardiograms in hospitals and other medical care facilities.

Some employers offer on-the-job training you can complete in four to six weeks, or you have the option of taking a one-year certification program. Length and prices of certification programs vary. Learning how to develop apps enables you to create your own web applications from scratch. You can work as an independent contractor developing apps for companies or get a job as an app developer.

You can find several free and low-cost online training opportunities — edX offers a variety of app development courses that last about six weeks. Phlebotomy technicians are vital employees in doctor offices, hospitals and other healthcare facilities — they draw blood from patients. Becoming a phlebotomy technician is a relatively short process — programs last about 15 weeks or less.

You can sign up at a vocational school or a technical college. An X-ray tech certificate enables you to operate X-ray machines in imaging centers, hospitals and doctor offices. A basic X-ray technician certificate program takes about a year to complete. You can complete medical billing and coding courses at technical schools and community colleges in nine to 12 months.

Learning how to process insurance claims can pave the way for working with insurance companies in their claims departments. Online training through the U. Nonprofit organizations include charities, private schools and religious organizations, which differ from other types of companies.

Learning how a nonprofit operates can help you obtain leadership and management positions with one. A pharmacy technician certificate qualifies you to work under a pharmacist in a hospital or drugstore. Completing a basic tax preparation class is one way to make extra money during tax season. Consider a virtual reality certificate program if you want to learn basic VR programming and develop VR applications. Learning how to write VR programs opens the door to entry-level positions with software design companies.

Salesforce is a customer relationship management platform with cloud-based applications for sales, service and marketing. Because many organizations have adopted this technology, Salesforce certification can make you more attractive to employers. Developing strong leadership skills can help you guide a team. These skills are valuable if you are working toward becoming a manager, supervisor or director.

OSHA 30 safety education training is a valuable resume addition if you work in the construction industry. Business forecasting is an invaluable tool in the world of sales and finance because it helps you identify when to take risks. An interior design education lets you work from home as your own boss or find work with architects, hotels, home builders and home staging companies.

Lead generation is an excellent marketing skill for capturing customer interest and growing your sales. Global marketing research firm Demand Metric offers a six-video module course that you can complete at your own pace in less than a year. Graphic design training lets you express your creativity and convey messages visually. Put your skills to good use as a freelancer or work for a web design company, internet marketing company, publisher or interior design company.

Learning time management skills helps you become a more efficient worker, which employers consider a strong point. When you know how to balance priorities your overall productivity improves. Becoming proficient in search engine optimization and search engine marketing helps you excel as a marketing professional and opens the door to opportunities in digital marketing and website development.

With SEO knowledge, you can develop successful internet marketing campaigns and provide multiple industries with website content. If you are seeking employment with a financial institution, online business banking training will teach you the fundamentals of borrowing, credit, lending and financial statements. Life coaching is a rewarding career if you want to help guide people through their major life transitions.

You can run your own business helping people improve their personal and professional lives. Tuition is payable in three, seven or nine parts. Learn how to nurture and motivate a sales team and get ahead. Leading an online conference can be intimidating, but receiving instruction in web conferencing can build your confidence and help you become a more efficient educator during meetings and trainings. Signing up for Lynda. Learning how to conduct better interviews benefits business owners and people looking to move into a hiring manager role.

Workshops and courses can help you polish your interviewing skills and make wiser hiring decisions. Problem-solving is a necessary skill for managers, supervisors, team leaders and business owners. Good decision-making also indicates strong leadership, which is key for applying to management roles in every industry from healthcare to business.

Six Sigma certification indicates solid critical thinking and problem-solving skills and shows employers that you value quality. Optician training teaches you the necessary skills to work in an ophthalmologist or optometrist office. ZBrush is a type of artistry that can expand your visual design skills. Joel Anderson and Gabrielle Olya contributed to the reporting for this article.

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By Rachel Farrow. Sign up for our daily newsletter for the latest financial news and trending topics. For our full Privacy Policy, click here. Advertiser Disclosure. Valencia Higuera Valencia Higuera is a personal finance expert who enjoys articles on budgeting, saving money and credit cards. She holds a B. Check Out the Next Article. Related Articles. Toggle navigation Back. Sending you timely financial stories that you can bank on.

Examples include buying a home, paying for college, or funding a wedding. If your timeline for reaching the goal is five years or less, saving is a better strategy than investing. Note that high-interest debt balances can complicate your savings efforts. Some will argue it's better to pay off debt before you save. However, living without an emergency fund is risky. Should you have a surprise expense, you'd have to borrow more to cover it.

To avoid that scenario, save what you can as you repay debt. The right savings account will be easy to use and free of monthly charges. Consider these pointers as you weigh your savings account options:. Cash emergency fund. This cash helps you manage the risks of investing. Any asset you buy can lose value or fail to produce the income you expected. Stocks, for example, rise and fall in value daily. It's easier to tolerate those normal ups and downs if you have another source of cash available to cover financial emergencies.

Without cash on hand, you may have to sell your investments quickly if something bad happens. Worse, if you sell when your asset's value is temporarily down, you may lose money. No high-interest debt. Paying off debt provides a guaranteed return because you're spared future interest expenses.

Investing is less certain in terms of return potential and timeline. Take the sure thing and repay your high-interest credit accounts before you start investing money. As with savings accounts, your ideal brokerage account should be convenient and low-cost. The selection process is similar to choosing a savings account but with one extra complication. To start, you must pick the type of investment account you need.

A taxable brokerage account is appropriate when you don't know your investing timeline. Taxable accounts have no withdrawal restrictions and no tax perks. You will owe taxes annually on any dividends, interest, or realized gains you earn. If you are specifically investing money for retirement , consider an individual retirement account IRA.

There is trade-off, however. You may incur taxes and penalties for withdrawing IRA funds before retirement. Once you decide on the type of brokerage account you need, start shopping for options. Compare prospective accounts on these factors:. Relative to investing , saving offers three advantages:. Pro: Cash doesn't change in value. Your savings account balance doesn't fluctuate in response to external factors. Pro: You can use your savings immediately. Cash is liquid. That means you can use it directly to buy things, pay bills, and repay debts.

You can't "spend" stocks and bonds. You must convert them into cash first. Pro: Saving enables you to invest. You cannot invest unless you've saved first. This is true on two levels:. Con: Savings provide negative returns after inflation. The spending power of cash does decline over time. This is due to rising prices, also known as inflation. Inflation is the reason you'd hold cash in a high-yield account versus a checking account or under the mattress.

The interest helps offset inflation. Con: Savings returns are lower than investing returns. You need cash on hand for emergencies, but there's a cost to that beyond the negative real returns. When you hold cash, you're forgoing the chance to invest and earn inflation-beating returns.

Pro: Investing return potential is high. At that growth rate, invested assets double in value about every To access market-level growth, you'd invest in broad market index funds with low fees.

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Money Saving Tips -- How To Save Money (Best Strategy)

Investing takes saving one step further in a person's financial plan. Bonds, stocks, mutual funds, real estate, and retirement accounts are covered in the. saving and investing overhead A checking and savings. s Depositor earns interest on any unused money in his/her account. 8 Essential Financial Rules for Young Adults · 1. Practice Self-Control: Pay With Cash, Not Credit · 2. Beware of Bad Advice: Educate Yourself · 3. Learn to Budget.