Wall Street’s Secret Language Revealed

Say these five words out loud real fast: Bifurcation, Backwardation, ZIRP, NIRP, Contango.

Did you do it?

If so, did you sound like a cheerleader chanting some foreign language?

These are actual words used by many traders, gurus, and Wall Street promoters.

They may sound funny or confusing but they serve several purposes. (1) They reveal or describe certain market conditions. (2) They act as “signals” for trading purposes. (3) They’re meant to confuse and/or impress you.

And they’re only a few of the many words, acronyms, and sayings that make up Wall Street’s “Secret Language.”

Funny thing is, most people (myself included) aren’t impressed with words that don’t make sense.

However, if you have a basic understanding of them, you’ll be better equipped as an investor and more likely to stay ahead of the crowd. Think of it as learning how to “connect the dots” of a financial puzzle.

Compare this with trying to run a business in a foreign language (German, French, Japanese, Greek, etc.). If you don’t understand the language, you’ll most likely lose money… a LOT of money.

So, like learning any language, you need a good teacher or translator that makes it simple and easy to understand.

That’s where we come in.

In this article we’re going to feature a few words so you can see how easy it is to learn the language and, at the same time, realize how Wall Street makes things so confusing.

Let’s start with ZIRP. It’s an acronym meaning “Zero Interest Rate Policy.”

It was initiated after the 2008 meltdown to “supposedly” stimulate the economy. The truth is ZIRP has caused critical damage to most of the nations Pension Plans. (They need interest rates to be high in order for them to fund their plans for their pensioners.) ZIRP has also crippled most senior citizens who depend on the interest from their investments to live.

Even though rates are slowly going up, it’s going to take a long time to unwind the damage done by ZIRP.

But, let’s move on to NIRP. It’s another acronym meaning “Negative Interest Rate Policy.” Yes, you read that right. NEGATIVE Interest Rate Policy.

It’s more collateral damage from the 2008 meltdown and has been in effect mostly in European countries.

Here’s the crazy part. When a country’s government bonds have negative interest rates (currently -0.05% up to -0.36% or higher) investors have to PAY THEM to hold their money.

It’s a losing proposition for the investor and it’s hard to imagine anyone buying bonds with negative rates but millions have been sold.

We’ve only scratched the surface here but hopefully you see how these acronyms are very confusing and misleading.

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How to Vet Your Financial Advisor

The securities industry is set up to make it seem as if all financial advisors who are selling investment products are super successful, finance majors, vice presidents, etc. All these things are done intentionally so that you’ll trust them and think that they are investment gurus who will be great with your money. The reality is that’s not always the case. That’s just the illusion of the industry. Therefore, it’s important to ask the right questions to make sure that you’re getting the right professional. The reality is the brokerage industry, just like any other industry, has good financial advisors and bad financial advisors. Here are some tips on how to make sure you’re getting a good one.

(1) FINRA BrokerCheck

The first tool that you should be using to vet your financial advisor is something called FINRA BrokerCheck. BrokerCheck it is a publicly available tool. You can go to FINRA.org and at the top right-hand corner of that website there’s something called the BrokerCheck. You can literally type in a person’s name, hit enter and you’re going to get what’s called the BrokerCheck report which will detail all the information that you need when you’re vetting your financial advisor.

BrokerCheck will be able to tell you how the advisor did on their licensing exams, where they have been employed, where they went to school, if they’ve ever been charged with anything criminally. Have they ever declared bankruptcy? Have they ever been sued by a client? Have they ever been fired by their brokerage firm? These are all the things that would be absolutely critical before establishing a relationship with somebody who’s going to manage your entire life savings.

During client intake the first thing we do is look up their BrokerCheck report. We start rattling off all this information to the potential client about their advisor and they are often amazed. We aren’t magicians and I don’t know every financial advisor. Literally all we are doing is pulling this publicly available information and looking at the report. And so many times we are telling a potential client that their advisor has been sued a bunch of times already and the investor had no idea.

Obviously that would have been critical information to know at the beginning when they were deciding whether to work with that person. If they had pulled that report, if they knew for example that the person they were considering had already been sued 26 times by former clients, they would never go with that person. So obviously, the first thing that you should do, pull that report.

(2) Questions to Ask

The first good question to ask a potential broker would be “How are you compensated?” Not every financial advisor is compensated the same way. Some of them are compensated on a commission basis, which is per transaction. Every time they make a recommendation for you and you agree, they get paid. Some of them are being paid a percentage of assets under management. If you have a million-dollar portfolio and they make 1%, they are going to make $10,000 a year.

You can determine what you are looking for based on what kind of investor you are. If you’re a buy-and-hold investor, maybe a commission model makes sense for you because maybe you’re only doing two or three trades a year. If you’re trading a lot and you’re having a very active relationship with your advisor maybe the assets under management model makes more sense. But ask the question first and foremost so that you know and it’s not ambiguous.

The second question to ask is “does the financial advisor have a fiduciary duty to you.” Ask them that exact question because the brokerage industry will take the position that they don’t. Their obligation to you from their perspective is to make an investment recommendation that’s suitable. That’s a much lower bar because sometimes an investment could be suitable for you but not necessarily in your best interests. So just ask your financial advisor, “Do you consider yourself to have a fiduciary duty to me?” Let’s figure this out at the beginning of the relationship to make sure you know where you stand.

Another question you should ask is, “Who are you registered with?” A lot of financial advisors out there are sort of independent and they’ve got a “doing business as” business, wherever their offices are, but they are registered to sell securities through a larger brokerage firm. Find out who that is. Do some research to make sure that you’re getting involved with a brokerage firm that has the types of supervision and compliance that you would expect.

There are two types of brokerage firms. There is the Morgan Stanley model where they have a hub of brokers in a major city. Maybe 30-40 brokers in one office. There are compliance people, there are supervisors, there are operations people – all in the same localized office. In my experience you see less problems in that type of situation because all the supervisory people are right there.

On the flipside, there is the independent model – it’s an advisor in an office someplace and their compliance is in Kansas City or Minneapolis or St. Louis or wherever. The supervisor comes to the office once a year and audits the books and reviews the activities of the advisor for the prior year. These visits are usually announced well in advance. Obviously the supervision in that context is very different. And that is the type of firm where we see more problems.

You want to make sure you’re getting involved with the right firm. That the firm is overseeing your financial advisor, protecting you, making sure that if they are doing something wrong, they will catch it before it’s detrimental to your accounts.

Another good question to ask, “Have you ever had a dispute with your client?” If they say yes, ask him to explain it to you. Nobody is perfect and you can’t keep everyone happy so if you’ve got a hundred clients and you have been in the business for 10 years you might have somebody who’s been upset with you at some point. But it may not rise to the level where it concerns you, but ask about it, talk about it.

Ask about their investment background and their objectives. Not every financial advisor does it the same way. You want to make sure that their goals are consistent with yours and their approach is consistent with yours.

And finally you should ask “do you have insurance?” The brokerage industry does not require brokerage firms or financial advisors to carry insurance. Many of them do but they are not required to do so. Why that can be significant, of course, is in that worst-case scenario and you have a dispute with your advisor, you want to at least be with a financial advisor that if they do screw up you’ve got some protection. So ask them “do you have E&O insurance for this?” If not, that is a red flag. Either just because of collectability concerns if you get into a situation where you need to sue your advisor or it might be a suggestion that they are not operating their business in the best way possible because certainly financial advisors should have E&O insurance.

(3) The next thing to consider are potential warning signs. These can appear either in the initial meeting or just as the relationship begins:

– They rush you to make a decision. We see this in a lot of our cases where they have you come in the meeting and say, “Sign here, here and here. I’ve got an appointment in 15 minutes. If you have any questions call me later.” That’s an obvious warning sign. That should be clear to most people. But I think a lot of people are afraid to escalate it because they think, “Oh well, he’s very busy.” and he makes it seem like he’s got tons of clients and he’s really successful. So maybe it’s okay that he doesn’t have time for me. No, it’s not okay. Find someone who has the time. Your advisor is getting paid to manage your account so make them work for it.

– They don’t tell you what they’re being paid. That’s definitely a warning sign. The genesis of most securities fraud claims is commissions – advisors pushing high commission products that benefit them at the detriment of their client. If the advisor is not disclosing what those commissions are, that’s a problem.

– They want to put everything into one investment. This is a big warning sign. What’s the motivation in doing that? Most people know diversification is critical when investing so if you have an advisor who is saying, “Hey, let’s use this investment, it’s the best, it’s better than anything else, we’re going to put everything in this.” That’s another warning sign.

– They want to meet with you alone. What would be the motivation? Say you are elderly and you want to bring your kid to a meeting for support and your advisor says no… That’s a warning sign because obviously if they’re on the up and up they shouldn’t have any problem with more people sitting in the meeting, making sure that you’re being taken care of.

– If your advisor does not spend time with you (at the beginning and regularly thereafter) asking about your actual investment needs (goals, time horizon, risk tolerance, etc.), that’s a problem. Investments are not vanilla. Every investment is not perfect for every person. Each investment depends on your particular situation. If your advisor is not asking you what your situation is – your net worth, your income, your investment objectives, your investment experience, your goals, that’s a huge red flag.

– If your account statements do not come directly from the brokerage firm, that’s a red flag. If the statements are coming directly from your financial advisor and you’re not seeing anything on there about the brokerage firm they clear through, that can be a problem. That could be a financial advisor whose hiding losses or just sending you statements that are not based on reality. Most brokerage firms do not permit their advisors to create monthly reports or if they do they require that they first be reviewed and approved by compliance. If there is nothing on the statement that definitively shows that it has been reviewed/approved/sanctioned by the advisors broker-dealer employer, it’s a problem.

– If they ever ask for a check to be made out to them individually that’s a problem. Brokerage firms are established to make sure that kind of stuff doesn’t happen and so if your advisor is doing it, very likely this has not been approved by their firm.

– If you suffer huge losses without any reasonable explanation, obviously that’s a problem. Lots of brokers will tell you “it’s the market” or “forces that are out of my control.” That may be true but you want to talk about it and make sure that you get a reasonable explanation.

These are a few tips on how to pick the right financial advisor. It is an important decision, and should not be made lightly and without being informed.

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Home-Cooked Meals Are a Hot Investment

I married well.

After seeing a recent stat that 41% of first marriages end in divorce, I count myself lucky. I managed to find a mate who is smart, funny, responsible and compassionate.

And he loves to cook!

I picked up some basic cooking skills throughout high school and college. I can make grilled cheese, boil an egg and bake a mean chocolate cake for someone’s birthday. But I don’t stray too far from those easy recipes and skills.

On the other hand, my husband is the one in our family who makes the bulk of our meals. He’s the one who can explain the different cuts of beef at the grocery, and he’s the one who knows when to use dill and when to use rosemary. (I try to stay away from the spice rack completely.)

If food prices continue to shift the way they have over the past year, I think we will see more people like my husband cooking amazing meals at home rather than going out to eat… and that’s going to create some fantastic investment opportunities if you know where to look.

Back in the Kitchen

The government recently announced that the consumer price index (CPI) was unchanged for June, while economists were expecting inflation to tick up 0.1%. The 12-month CPI has dropped to 1.6% from 1.9% and is well off its five-year peak of 2.7% reached in February.

There’s a lot of hullabaloo going on right now about whether the Federal Reserve will lift rates yet again this year and whether the slowdown in inflation is far more than temporary, as the Fed has been claiming.

But I don’t care about the Fed right now. If the Fed is going to act, it’s unlikely to be until December, and there’s a lot of data set to come out between now and December that could sway the Fed.

If you dig a little deeper into the CPI report, there was a great nugget of data that no one is really talking about… and that creates a great opportunity for astute investors.

The government reported that grocery prices (food at home) fell in June. The price of food purchased in a grocery and prepared at home has steadily dropped since peaking in September 2015. We experienced a small run-up earlier this year, but it appears that prices are rolling over once again and headed lower.

By contrast, the price of food purchased at restaurants has steadily risen over the same time period and shows little sign of relenting.

Technology has worked to reduce costs in food production by increasing crop output. Low gas prices have cut transportation costs as well. The end result: It is now cheaper to buy food at the grocery than it was in 2015.

Meanwhile, rising labor costs and skyrocketing rents have forced many restaurants to lift their prices just to eke out a profit, making it far more expensive to eat out.

The United States Department of Agriculture reports that food-at-home prices dropped 1.3% in 2016 from 2015 levels and are expected to rise between 0% and 1% in 2017. Food-at-restaurants prices jumped 2.6% in 2016 and aren’t slowing in 2017.

The Market Has Changed

The race is on to make a profit off what’s hitting your table for dinner. We’ve seen a surge over the past several years of meal-delivery services such as Blue Apron, HelloFresh, Plated and Home Chef. These companies are catering to families (particularly millennials) who are looking for the comfort of cooking at home while still getting a unique variety of meals – far more than my awesome grilled cheese sandwiches.

Earlier this summer, Amazon announced plans to acquire Whole Foods. Imagine if Amazon could streamline Whole Foods the way it has done its other businesses, bringing costs down and luring customers in.

And of course, we have Wal-Mart going head-to-head with Amazon, which could create a price war that works in favor of consumers.

The market has shifted in favor of the grocer over the restaurant. Prices are dropping for food in grocery stores while restaurants are raising their prices just to get above the cost of operating. Meanwhile, wages for most Americans are stagnating, making the choice an obvious one.

Investors should be wary of restaurants and take a new look at grocery stores such as Kroger or even watch for new opportunities driven by millennials.

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Brief Discussion on the Fundamentals of Digital Marketing

With the introduction of computers and the internet, companies prefer to do sales and marketing in a non-traditional way. Instead of relying on door-to-door sales and marketing, modern businesses prefer to maintain corporate portals where they highlight the products or services meant for marketing and sales. Modern business houses prefer digital marketing to sell products or services as this method of sales and marketing is considered effective yet less laborious. This blog highlights the fundamentals of digital marketing. It also discusses SEO and its role in web marketing.

Digital Marketing and Search Engine Optimisation

SEO is also known as search engine optimization and it is very important as far as web marketing is concerned. Companies hire the expertise of professional web marketers to sell their products and services. The expert digital marketer uses their skills, strategies to market, and sells products or services. The professionals in the field of digital marketing use SEO to enhance the visibility of client resources like websites, webpages. More visibility of client online resources implies that the business seeking SEO services attracts more web traffic, hence there exist greater chances of lead generation, conversion of leads to sales. If a business manages to convert leads to sales then it implies that it generates business profits.

Benefits of SEO

Following are the benefits of using SEO as part of web-marketing:-

SEO helps a business to enhance its ranking in the various search engine research pages
It helps to attract more and more quality online traffic
It helps to generate leads
Convert leads to sales
SEO contributes to business profitability
Search engine optimization also contributes to branding

Types of SEO

SEO or search engine optimization is of two types and they are as follows:-

On-Page SEO
Off-Page SEO

What is On-Page SEO?

At first, it is important to say that when web marketers do SEO then they deal with client websites or other web resources. On-page SEO is the type of SEO that is done on the website of the client. It deals with keyword research and analysis. In On-page SEO, digital marketing experts require to have skills in writing and posting content for the client website. Such contents include the Title, meta description, body of the content. On-page SEO is associated with using keywords in the website contents. The expert search engine optimizer should make sure that the keywords are well-researched, they are not that competitive but have high online search values. Moreover, the keywords that need to be used in the content should be relevant. For keywords it is important to mention that there are broadly two types of keywords 1) Short-tail keywords 2) Long-tail keywords. Short-tail keywords are more competitive than long-tail keywords and hence the chances of converting leads to sales are low with short-tail keywords. It is always advised to use long-tail keywords in website content while doing on-page SEO. Besides, on-page digital marketing also involves search engine indexing so that a website or a link has higher visibility in the search engine results pages.

Off-page SEO

Off-page SEO also deals with search engine optimization activities that are outside a website. Off-page search engine optimization deals with link-building. Proper link-building of a website can enhance the DA (Domain Authority), PA (Page Authority), PR (Page Rank) of the website. It implies greater exposure of the client business, more lead-generations, and conversions. For more information on Off-page web marketing visit relevant websites available online.

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Understanding The Significance of Content Writing in SEO

SEO or search engine optimization is very important for the growth of a business. Web marketers or SEO specialists who are responsible for doing the search engine optimization of client websites require adopting SEO strategies to enhance the visibility of the website in the various search engine results pages. The website visibility depends on how well the SEO expert conducts on-page as well as off-page optimization of the client website. In the context of on-page or off-page search engine optimization, it is important to understand that the emphasis is always on the website contents. It is important that the content for on-page as well as off-page search engine optimization is well written with proper distribution of keywords, anchor text. The objective is to attract more and more web traffic to a business. From this angle the significance of content writing and content writers is high when it comes to search engine optimization.

Tips on Writing SEO Contents

This blog discusses how you should write content while doing on-page or off-page SEO activities.

On-Page Content Writing

if you are focussing on on-page activities then you know that you have to write high-quality content for your website pages. The objective is to attract more and more traffic to your business. Understand that greater traffic implies higher lead-generation and subsequently greater conversion of leads to sales. While writing on-page content like the content for a website’s about-us page, you require to be very specific about your business, you require to highlight your business objective. While writing the content you can use anchor text as and where required. The links that you use need to be relevant. There should not be an overuse of keywords. The keyword distribution should not exceed 1%-3% in the entire content. If you follow these rules then you discover that your website content is presentable and attracts more and more online traffic.

Off-page Content Writing

Off-page search engine optimization means link building. Link building in SEO is very important as it helps to enhance the page rank of a website, it helps to enhance the DA or domain authority value, the PA or page authority value of a website. During the process of link building, the web marketers require to post content along with relevant links in a number of blog sites, article sites, forum sites, question answers site, press release sites. To create the content the web marketers require the participation of content writers. To do off-page content writing the web marketers require to follow some rules. They require to write content on the topic, include keywords that are relevant to the topic. The content writers require to use anchor texts linking relevant websites or web resources. In this context, it is relevant to add that the content writers can do keyword research to find out the keywords to be used for the content, or else the list of keywords will be furnished by the client. There should not be an overuse of the keywords. The entire content should have a keyword density in the range of 1% to 3% only.

This blog highlights the fact that content writing is immensely important for both on-page as well as off-page SEO. Therefore, the next time you wish to do SEO of your client’s website then be sure to hire the quality services of a professional content writer.

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Strengthening and Enforcing Our Profession

In order to be an effective project manager (PM), we should look at our definition of project management. Definitions surprisingly vary greatly by organization and individual. We should be careful about calling something project management that really is not. Doing so often confuses the profession. Call it what it is. If a position is more administrative, add this label. If a position is more holistic with overall responsibility and leadership for the success of the project, I’d be more inclined to call it project management. Well defined roles are not only essential for the organization and individual, but for the profession at large.

If someone is used to providing project leadership and overall project responsibility under a PM title, certain expectations are set. If the next opportunity doesn’t provide the same opportunities and expectations both the organization and individual may experience issues. Likewise if someone is in a lower level position where they simply schedule meetings and follow-up on action items, this individual may develop an inappropriate perception of project management. Remember, a true PM is responsible for all aspects of the project, including management of scope, time, cost, quality, procurement, human resources, communication, risk management, stakeholder management, and integration. I’d even take this list a step further and involve the PM in scope discussions during business development. It’s never too early to involve the person responsible for high stakes efforts.

Other pet peeves of mine are a lack of analysis and a lack of communication skills. Project management isn’t about producing reports or documents, but managing to ensure project success. Project data is necessary to ensure success, but without analysis and interpretation it is strictly administrative data. I’m also often amazed at the lack of communication in project management. Strong PMs spend eighty to ninety percent of their time communicating. This doesn’t mean just forwarding emails, but providing impact analysis and recommendations. And my final pet peeve (for this posting!) centers on improperly handling situations by escalating all items or informing all parties of all developments. This goes along with communication. Determine your stakeholders and how you will interact with those stakeholders. It may be easier to copy everyone involved, but it’s not about what is easy.

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Ways to Create a Powerful Website Design

For businesses to grow and be successful they need a website since this is among the most effective tools to realize their goal. This is also the way to draw potential customers to the products and/or services they offer. In addition, this has a wider reach compared to other marketing methods without their high startup costs. Businesses can consider the following tips to create a powerful web design.

Take Advantage of Visual Hierarchy

The term visual hierarchy refers to the arrangement of website elements like the color, font size, white space and position to put emphasis on the primary point for every page. In order to complement a call to action (CTA), it is important to direct the eyes of visitors to something they want done by means of these visual factors.

To highlight their landing page’s central theme, they can do the following:

Make the font size larger.
Place the text at the top part of the window.
Choose a contrasting color since this stands out from the rest of the page.
Include a captivating graphic or video making use of the latest innovative web design trends.
Use white space so it will stick out from other text.

Use Minimalism

Businesses should use and integrate the above mentioned elements on the website but they have to keep in mind that this should be done in moderation. If this is overdone, this will cause cluttering, which will make customers confused or even worse, discouraged.

Also, they should not let visitors complete many tasks. They should minimize form fields as well as menu items and only focus on one CTA that has one goal per page.

According to a Google study, users do not like visual complexity. There are ways to simplify a site such as:

Eliminate the Sidebar – rather than have readers click on information on the sidebar, the process can be made easier by taking away this element and just create a very long page. In this way, they will be able to scroll through the content and scan everything, raising the possibility that the message of the brand will be conveyed.

Go for Familiar Layouts – while they may think that an unusual site design will set their domain apart from the rest of the competition, visitors are actually attracted to simple layouts with easy to understand icons and effects. Also, using a regular web structure can improve navigation on their site.

Prioritize Readability

Businesses should consider readability to make it easy for users to recognize and comprehend the text on their site. Prioritizing this factor will make sure that users will not have a difficult time in scanning their site and will remember the information they want to be retained. They should use the most ideal typeface, font size and contrasting colors for their brand.

Conclusion

Websites are important since these provide prospects with information on the business, which includes the office address, email address and phone numbers.

In addition, websites enable businesses to build and establish credibility in their niche of choice by being a source they can trust and rely on. The best SEO strategies and relevant content will help establish their authority in their industry making use of their domain and most especially, a powerful website.

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Data Science And The Advantages It Offers

Data Science has turned out to be a progressive technological field that everybody seems to talk about these days. In fact, it is considered the ‘most appealing job of the 21st century’. Let’s find out more about it.

Data Science is a buzzword and not a lot of people understand it. While many human beings desire to emerge as data scientists, it is indispensable to check out the advantages of this field. Let’s check out some of the advantages.

1. It’s in high Demand

Data Science is in high demand. Prospective job seekers have several opportunities to avail of. It is the quickest developing field of job on LinkedIn and is envisioned to create 11.5 million jobs by the end of 2026. This makes Data Science a pretty employable job sector.

2. Abundance of Positions:

There are very few human beings who have the required skill-set to become a good data scientist. Therefore, this field of job is less saturated than other IT sectors. Therefore, this offers a lot of opportunities. The subject is high in demand but there are not many professionals out there who can meet the demand.

3. A Highly Paid Career option

Science has created a lot of highly paid jobs. According to Glassdoor, Data Scientists make more than of $116,100 per year. This makes data science one of the best moneymaking professions out there.

4. Versatile

There are several purposes of data science. For instance, It is extensively used in health-care, banking, consultancy services, and e-commerce industries. So, this field is a very versatile. Therefore, you will have the chance to work in a number of fields.

5. Data analysis

Data analysis companies require experts to analyze their data. They not only analyze the data but also enhance the quality of it. Therefore, this offers a lot of benefits for companies that are looking for an ideal way of getting their data analyzed.

6. Data Scientists are Highly Prestigious

Data Scientists allow different types of groups to make smarter business decisions. Companies rely on these professionals and use their understanding to grant much better services for their clients. So, these people play one of the most important roles in the company.

7. No More Boring Tasks

This has helped a number of industries to automate different types of redundant tasks. Companies make use of historic information in order to train machines to perform repetitive tasks. This has simplified a lot of hard jobs undertaken by real people before.

8. Data Science Makes Products Smarter

This field involves the use of Machine Learning that has enabled industries to create higher quality merchandise that are customized for each consumer.

For example, Recommendation Systems use on e-commerce web sites provide customized insights into the likes and dislikes of customers primarily based on their historic purchases. This has enabled computer systems to apprehend human-behavior and make data-driven decisions.

9. It can Save Lives

The Healthcare sector has been substantially uplifted due to of the advent of data science. With the introduction of computer learning, it has been made much easier to become aware of early-stage tumors. Also, many different health-care industries use these systems in order to assist their clients.

10. Data Science Can Make You A Better Person

This will not just provide you with a good profession but will also help you develop your personality. You will be able to enjoy a problem-solving attitude. Since many of these roles bridge IT and Management together, you will be capable to get the most of both the worlds.

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