The National Examination Council (NECO) has released the official timetable for the conduct of 2023 June/July Senior School Certificate Examination (SSCE). The Examination is scheduled to hold between Monday 3rd July to Friday 11th August 2023.
Please note that we now have both Objective & Theory questions and answers for all previous years of O'level exams, which will definitely help you in your coming exams.
The timetable has been made available for download as PDF below
When it comes to popular investing trends, cannabis stocks are near the top of the list. The marijuana industry has grown rapidly over the past decade. And this makes investing in cannabis a more attractive opportunity than ever.
Because the industry is so young and still faces legal challenges — such as marijuana being illegal at the federal level — it's important to do your research and learn how to invest in cannabis stocks.
Because the industry is so young and still faces legal challenges — such as marijuana being illegal at the federal level — it's important to do your research and learn how to invest in cannabis stocks.
When it comes to the marijuana industry, there are generally two different markets: medical marijuana (MMJ) and recreational marijuana (RMJ).
Medical marijuana first became legal in California in 1996. But today MMJ is legal in 37 states, the District of Columbia and three U.S. territories. Because it's so widely legalized — and has been for quite a few years — there are plenty of opportunities to invest in MMJ stocks. The categories of companies whose stock you can purchase when it comes to medical
Recreational marijuana (RMJ) is legal in 19 states, the District of Columbia and two territories. Colorado and Washington became the first states to legalize the recreational use of marijuana in 2012. Legalization for RMJ hasn't gained traction as quickly as it has for MMJ, but this use caters to a significantly wider audience. Marijuana companies you can invest in for recreational marijuana include cannabis growers, retailers, and ancillary product and service providers.
As marijuana legalization becomes more widespread, it's going to become more common to find marijuana stocks in investors' portfolios. You may find yourself wondering whether you should be joining in.
The main benefit of considering getting into marijuana stocks right now is that the prices have fallen sharply due to oversupply and the marijuana bubble bursting, causing cannabis stocks to be at bottom-level prices. That said, there are signs that the cannabis industry could see signs of growth shortly.
Senate Majority Leader Chuck Schumer announced that Congress is “very close” to passing a bill for marijuana banking and expungements.
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There are many definitions of what exactly robo advisor is. To put it simply, a robo advisor is a method of automating the asset allocation of investments via a computer algorithm.
In a broader sense, a robo advisor may also include human financial advisors but only for services that require human assistance (e.g., taxes, retirement, or estate planning).
Behind the scenes, robo advisors are managed by investment professionals who work similarly to traditional financial advisors. Instead of serving one customer at a time, the robo and human advisors work together to serve thousands of customers at once.
When you sign up for a robo advisor, you’ll answer a survey with questions about:
When choosing a robo advisor, the most important factors will vary based on your goals. Here are some common criteria to consider when picking a robo advisor:
Robo advisors charge in two ways. First, you’ll pay a management fee, if one applies. Second, you’ll likely be charged fees by the funds your robo advisor chooses for you. Here’s how to assess those fees:
The first fund to look for is the management fee. This is a fixed fee that robo advisors charge for choosing your investments and other services they provide. Depending on the robo advisor you choose, you can expect to pay anywhere from 0% to around 0.50% per year based on your portfolio balance, though some charge more.
Even after you’ve paid your management fee, you’re still not done paying. Each fund that the robo advisor picks for you likely charges its own fee. While some exchange-traded funds (ETFs) may charge more, most robo advisors make a point of keeping client funds in low-fee funds.
The answer to this question depends on your net worth, your investments' complexity, and whether you feel comfortable investing by yourself. I believe that robo advisors add value and that you can't easily replicate their results by using Fidelity or Vanguard funds.
Most of my family assets are DIY, but I've also used robo advisors for a six-figure chunk. I feel very comfortable using and recommending robo advisors.
The online tools robo advisors offer aren't new. Traditional financial advisors had the same tools available to them for years and could roll up a personalized asset allocation plan. Robo advisors push the technology down to the masses. You have direct access to manage your account and it removes the non-value-added middlemen.
The main way robo advisors make money is through management fees. Also, some may make money by sending investment dollars to the company’s own family of funds. For example, the no-fee Schwab Intelligent Portfolios product uses low-fee Schwab ETFs, which do charge fees.
It’s always important to understand how you’re charged so you can make the best decisions for your money.
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