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The majority of advisers fall into two categories: investment advisers and registered representatives. Investment advisers Formally known as investment adviser representatives (IARs), all investment advisers are fiduciaries. They're legally required to act in their clients' best interests when offering investment advice and managing portfolios. Investment advisers can be licensed by one or more state securities regulators, the Securities and Exchange Commission, or both. Investment advisers receive fee-based compensation, meaning that they are paid directly by clients, often as a percentage of the assets they manage for that client but sometimes on a fixed or hourly basis. Registered representatives Also called brokers, registered representatives work for brokerage companies and are licensed by the Financial Industry Regulatory Authority (FINRA), and their state's securities regulator. Registered reps trade stocks and bonds and sell investment products, such as mutual funds and annuities.
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7. Does It Matter What University You Go To? As you figure out what you are searching for in a US college or university, let your decisions be guided first by the accreditations and then by the different rankings the institution holds. There will certainly be other factors that will influence your college decision — such as costs, size, location, programs, and activities — but you will be off to a great start by looking first at accreditation and rankings. Shorelight works only with fully accredited Tier 1 universities in the US. Speak to an enrollment counselor today >
6% of all US venture capital dollars during the second quarter of 2014. The area has added 8, 200 jobs since the beginning of 2014, and has a low 5. 3% unemployment rate, compared to California's 7. 4%. Class A vacancies in San Jose are on the decline, with increasing lease activity mostly from technology firms. Silicon Valley as a whole recorded 1. 46 million square feet of net absorption, but San Jose showed negative net absorption at the beginning of 2014 due mainly to one large property being vacated. New construction has begun to take off as well, with six million square feet of new projects currently under way, and more planned for the future. San Jose's downtown in particular has seen a great deal of activity with 7 of 10 of the city's real estate deals in the second quarter of 2014 taking place here. San Jose at a Glance San Jose is 48 miles south of San Francisco, and 40 miles south of Oakland on what is known as the Southern Peninsula. The climate is semiarid with an average of 300 days of sun, with temperatures that average between 50 degrees and 70 degrees all year long.