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Superman helps hackers.

It’s a sign of the times that hackers are constantly on the lookout for weaknesses in people’s computer security systems.

Individuals can go a long way to making things more difficult for the hackers by ensuring they have up to date anti-virus software in place and that their passwords are good passwords.

But what is a good password?

Before answering that, let’s look at some bad passwords.

The National Cyber Security Centre (NCSC) released a report on some of the most hacked passwords. They analysed hacked accounts where details were being sold by hackers.

In one year alone an astonishing 23 million people around the world with the password “123456” were hacked.

You should really hang your head in shame if your password is 123456 as it’s very easy to hack into.

OK, what about the name of your favourite football team as your password. Would that provide you with more protection?

Alas not as football team names are very common passwords.

Roughly 280,000 accounts were breached in a year with the password “Liverpool”. 

“Chelsea” and “Man-Utd” passwords were breached 216,000 and 59,000 times respectively.

Using the names of your favourite music artist also isn’t a good idea.

The most popular passwords using the names of music artists are “blink182” and “50cent” (these are probably popular as they satisfy the need to have letters and numbers in a password).

If you’re a fan of superheroes then avoid Superman, which was the most common superhero inspired password.

So, onto good passwords.

According to Ian Levy, the Technical Director of NCSC, “Using hard to guess passwords is a strong first step and we recommend combining three random but memorable words. Be creative and use words memorable to you, so people can’t guess your password.”

There you go.

As easy as 123 or should that be, as easy as “123456”…

Exams for sale….

One of the five fundamental ethical principles is Integrity.

Being straightforward and honest is a vital characteristic of being a professional accountant.

Most people who are studying for their professional exams have one thing on their mind. Namely, to pass their exams but four students who were studying for their ACCA exams had other things on their minds and at the same time, were not the brightest individuals out there.

What they planned to do was to register for some Computer Based Exams (CBEs) and then whilst sitting the exams they would use their mobile phones to take photos of the computer screen showing the questions. They would then sell these photos with the questions on them via the internet.

The four individuals involved, Chen Yiyun, Hiujiao Ru, Zehui Gong and Ziying Wang decided to sell the questions on Taobao Marketplace, a Chinese shopping website.

They no doubt thought that this was an extremely clever way of making some money. What could possibly go wrong by taking photos of the questions and then selling them online?

One of the other fundamental ethical principles is that of Professional Competence.

Now, if these individuals had even a minuscule amount of Professional Competence, they would have reviewed the photos before selling them.

Alas for them they didn’t review them.

If they had reviewed them, they would have seen at the top of the computer screen in the photos their ACCA student registration number and the exam centre.

ACCA were made aware of the questions being for sale and made a test purchase on the Taobao Marketplace. Given the student registration numbers were on the screen, they didn’t need a team of top detectives to identify the individuals involved.

Unsurprisingly, the four individuals are now ex-students of ACCA having been found guilty of misconduct and they were ordered to pay costs ranging from £3,500 to £7,000.

Enjoy the freeze…

Working from home has become a fact of life for a lot of people due to the Covid-19 pandemic. Synonymous with working from home are the video conferencing facilities such as Zoom, Google Meet and Microsoft Teams.

The growth in use of these technologies has been phenomenal. Back in December 2019 for example there were on average 10 million daily meeting participants on zoom. Fast forward to today and the daily averages are around 300 million.

The technologies have been incredibly useful for keeping teams together and maintaining working practices but with back-to-back zoom meetings sometimes going on for hours some people are suffering from “zoom fatigue”.

There’s also the issue of what happens if you are desperate for a cup of coffee or a call of nature during a particularly long and boring meeting?

It’s pretty obvious on the screen if you try and sneak out for a couple of minutes and taking your laptop with you to the kitchen or toilet is best avoided.

Enter freezingcam.com which as the name suggests enables you to simply click a button on screen and your webcam will freeze and give the impression that you are having internet connection issues.

After quickly popping out of the room to do whatever you wanted to do, you can get back to your desk, click the unfreeze button and lo and behold you are back at the meeting and everyone thinks you were having internet issues rather than looking for those chocolate digestive biscuits in the kitchen…

You are (probably) a liar…

Here’s a nice ethical question for you – have you lied recently?

My guess is that you have. Now before you get all righteous about it, I think that you probably did it without even thinking.

Wow, this is pretty worrying isn’t it? A lot of you are studying for professional exams and if I’m here saying that you have lied without thinking about it then what does that mean for your profession going forward?

Terms and conditions (or T&Cs) are essential for companies which are operating on the Internet or providing apps. For example, they clarify the relationship between the user and the supplier and make it clear what it provided. In reality, the chances are that they also limit the liability of the provider!

A report by thinkmoney identified the number of words in the T&Cs of some of the leading apps.

They found that the combined terms and conditions of 13 top apps including TikTok, WhatsApp and Zoom would take 17 hours and five minutes to read!

The longest was Microsoft Teams which was 18,282 words long.

To put this into perspective, there are more words in the Microsoft T&Cs than there are in Shakespeare’s famous play Macbeth (if you’re interested, a mere 18,110 words).

For those of you that are fans of Shakespeare you may prefer Hamlet to Macbeth.

Instead of reading Hamlet you could read the T&Cs of TikTok (11,698 words), WhatsApp (9,920 words) and Facebook (8,588).

A combined number of words for these 3 of 30,206 words which is more than the 30,066 word count of Hamlet.

Back to my original point when I said that you are (probably) a liar.

So, have you ever clicked that you have read and agree to the T&Cs…

Best to take it back…

Most of you have probably had an interview. In fact, some of you may have had a number of interviews but a boss of one of the top companies in Australia has recently disclosed a pretty unusual way of deciding who not to offer a job to.

Trent Innes, who heads up Xero in Australia said that he will greet the person when he or she arrives for the interview and then take them to the kitchen to offer them a drink before heading to the meeting room with the drink. Even if they aren’t tea or coffee drinkers they will generally walk away with a glass of water.

He explained in the Venture Podcast with Lambros Photios that after taking the drink back for the interview “one of the things I’m always looking for at the end of the interview is, does the person doing the interview want to take that empty cup back to the kitchen?”

He explained that what “I was trying to find was what was the lowest level task I could find that regardless of what you did inside the organisation was still super important that would actually really drive a culture of ownership.”

He went on to say, “You can develop skills, you can gain knowledge and experience but it really does come down to attitude, and the attitude that we talk a lot about is the concept of ‘wash your own coffee cup’.”

That’s quite a smart move by Mr Innes as he said that attitude was the most important trait he looked for when hiring people.

He said that “Especially in a fast growth company or a start-up environment or scale up environment – you need people with a really strong growth mindset and that comes back to their attitude.”

So, how many interviewees do you think offered to take their cups back?

Perhaps surprisingly, the number of people who offered to take their cup back to the kitchen was pretty high. According to Mr Innes only 5 to 10 per cent of the interviewees didn’t offer to return their empty coffee cup back to the kitchen.

So there you go. If you’re attending an interview and you go to the kitchen with the boss to get a drink, it’s probably a good idea to offer to take the cup back.

Cashless or cash?

Over 1 billion consumers are forecast to use cashless payment methods in 2020. Contactless cards and smartphone payments can make payments very easy for an individual and for the retailer it avoids security issues dealing with cash.

A number of shops are moving to “cashless” shops where all the payments have to be made by contactless cards or smartphone apps such as Apple Pay.

Not everyone is happy though as to make a cashless payment you need one important thing.

Namely, a bank account.

Globally, 1.7 billion adults do not have a bank account and whilst you may be thinking that these people without bank accounts are in the emerging markets around the world, that’s not always the case.

New York City, is one of the most famous cities in the world.

According to a recent report by the New York City Department of Consumer and Worker Protection (DCWP), 354,100 households (11.2 percent) have no bank account (unbanked) and another 689,000 households (21.8 percent) have a bank account but use alternative financial products for some banking needs (underbanked).

In other words, 33% of the New York City households are either unbanked or underbanked.

That’s a pretty big proportion and as a result, the New York City Council has voted to require shops and restaurants to accept cash for payments of USD 20 or less.

The law is expected to be in place by the end of 2020.

New York won’t be the first city in the States to ban cashless stores as last year Philadelphia and San Francisco banned them.

Whilst several retail organisations have appeared to be championing cashless shops it’s looking like it won’t be possible in a number of locations around the world.

These organisations may be initially frustrated at being prevented from being cashless but in reality, this isn’t necessarily a bad thing. As well as the ethical debate about refusing to accept people who can only pay in cash, if they did go cashless they would be missing out on a significant part of the population who want to spend their cash, albeit “cash” and not “cashless cash”.

You can’t McFlurry Love

Until recently, Steve Easterbrook was the boss of McDonalds. He had been with them for a long time having started working for them back in 1993 as a manager in London.

Mr Easterbrook no doubt had a lot of affection for the company he ran but it turned out that he also had a lot of affection for a colleague as he had started dating a lady who also worked for McDonalds.

Although the relationship with his colleague was consensual, it didn’t go down too well with McDonalds.

According to the company, Mr Easterbrook had “violated company policy” and shown “poor judgement” (by “poor judgement” I assume that refers to him having the relationship rather than the choice of who he had the relationship with).

Now, whilst some people may say that it was a consensual relationship between two adults so let them get on with it, the key thing here is that it was against company policy and the two people involved had agreed to the company policy when they joined the firm so it’s a straight forward case of a breach of that policy.

More and more companies are having either outright bans on any relationships or are requiring individuals to disclose any relationships (I’m not a legal expert here but it does raise some interesting questions as to what is the definition of a relationship and how quickly after reaching that definition you need to notify your employer – is it minutes, hours, days…).

Mr Easterbrook won’t be short of funds to carry on wining and dining his new love as the termination package is pretty significant. He earned nearly $16m last year and will receive 26 weeks of pay on his departure.

Bloomberg estimate that his total leaving package which includes previously granted shares will be in excess of $37m.

That should buy a few romantic meals at Burger King for the two love birds.

You’re fired…

How many CEOs of top global companies were replaced last year?

Well, the answer may surprise you and what also may surprise you is the reason they lost their job.

PwC have been keeping track of the movements of the CEOs of the largest 2,500 global publicly listed companies since 2000 and the most recent data for 2018 has been released and it shows some interesting things.

In 2018 the number of departures of CEOs reached a record level with nearly 18% being replaced (up from 12% in 2010).

It was the reason for their departure though which raised some eyebrows.

CEOs can leave their jobs for a variety of reason and PwC categorised the reasons as planned (e.g. they were due to retire), forced (e.g. they did something a bit “naughty”) or M&A (e.g. they were no longer needed due to a merger or acquisition).

The latest split showed the 18% of departures as:

Planned – 12.0%

Forced – 3.6%

M&A – 2.0%

Digging a bit deeper though into the forced departures shows some worrying reasons.

Historically the main reason CEOs were forced out was due to poor results but for the first time the largest group of CEOs forced out was due to integrity reasons.

In 2018, 39% of those forced out were due to integrity reasons. Ten years ago in 2008 the corresponding figure was only 10%.

These integrity issues could include scandals such as improper conduct, fraud, bribery, insider trading, environmental disasters, misleading CVs, and sexual indiscretions, according to PwC.

So, in summary more CEOs are being fired and the main reason is integrity issues.

All in all, a pretty poor performance…

Dog seized to pay tax bill…

It’s always best to keep up to date with your tax affairs. Although most people don’t enjoy paying their taxes, it’s the law and if you don’t pay there can be serious consequences.

Over in Germany reports have emerged that make it fairly clear that you don’t mess with the German authorities when it comes to taxes.

An unnamed lady was behind in paying her taxes.

The authorities sent a debt collector around to collect whatever assets the family had to settle the tax liability.

According to the lady in question, two valuable items were identified.

One was the wheelchair of her paraplegic husband. Now, before even getting into the rights and wrongs of taking a disabled person’s wheelchair to settle debts, luckily for the family it was not an issue as it turned out that it was owned by a local association and was not the property of the family so the debt collectors couldn’t take it.

The authorities though have denied they tried to take the wheelchair and a spokesman said “Mobility aids for the disabled are absolutely exempt from being seized as collateral.”

One item though which was not exempt from being seized was the family pet.

Alas for Edda, the family dog, she was taken by the debt collector.

Edda is a pug and they are a pretty fashionable dog breed at the moment and the debt collector took the dog as settlement for the debt.

Edda was then listed on eBay and was sold to Michaela Jordan, a local police officer for €750 (approx. £650).

There’s a twist in the “tail” though in that the new owner has now sued the local authorities who sold Edda as apparently, she was advertised as being a healthy dog but has required veterinary treatment costing approximately €1,800.

We wish Edda well.

Would you send a selfie of your legs for a bonus?

I’m all for equal rights in the workplace. It doesn’t matter whether you’re male or female. It doesn’t matter what the colour of your skin is or your religious preferences. The only thing that does matter is whether or not you can do your job.

Not everyone shares the same view though and in Russia, aluminium manufacturing company Tatprof is offering a bonus to its female employees if they wear a skirt and makeup.

Oh, and to get the bonus they have to send a selfie of them showing their legs and make up to their (mostly male) bosses.

The bonus is 100 Russian Rubles (approx. £1.25) and it’s been reported that 60 people have so far sent in selfies to get the bonus.

Some may say that there are 2 sides to the argument.

The first, and probably most obvious, is that this is a step backwards in the workplace. A person should be judged by their ability to do their job rather than what their legs and make up look like. It’s 2019 for goodness sake and not the 1950s.

A counter argument though was put forward by Anasasia Kirillova, who works for the company’s department of corporate culture and internal communications who said that “Many women automatically put on trousers, so we hope that [the campaign] will increase our ladies’ awareness, allowing them to feel their femininity and charm when they make the choice of wearing a skirt or dress”.

It seems the message is coming from the top of the company.

According to Ms Kirillova, Tatprof’s male CEO Sergei Rachkov “really wants to maintain the female essence in every female employee of the company, so that young women do not have male haircuts, do not change into trousers, so that they engage themselves in handicraft, project all their warmth into raising children”.

Now, I’m personally not convinced by this counter argument but what about opening up the bonus option to everyone in the company?

What about offering the bonus to men as well as women who send a selfie of themselves wearing a skirt?

Free ACCA Study Materials

All of us here at ExP are excited. We’re excited for 2 reasons.

First of all, we’ve just gone over 350,000 followers on Facebook and a huge thank you to all of our followers.

In fact, 350,000 thank you’s!

The second reason is that we’ve just released our free ACCA eBooks. These can be downloaded free of charge on the following page:

Free ACCA Study Resources

We hope that all of you that are studying for your ACCA exams find them useful. If you’re not studying ACCA, you’ll find the eBooks useful if you want an overview of some key finance and business topics.

Thanks again for the Facebook follows and best wishes from all of us at ExP.

December 2014 ACCA exam tips released but don’t do this…

Professional exams are tough. It’s not easy passing them but to be honest they should be difficult as if they are too easy then everybody could become a Chartered Accountant and the value of the qualification would be downgraded.

december-2014-acca-exam-tipsThat’s easy for me to say now that I’m qualified but in the run-up to my exams I can vividly remember wishing they were a lot easier!

It’s important in the final run-up to the exam to remain focused and concentrate on practicing exam standard questions.

There’s a lot of pressure when it comes to sitting professional exams. All your hard work is compressed into a few hours where you try to prove to the markers that you know what you’re talking about.

We’ve just released our December 2014 ACCA exam tips and whilst it’s only the examiners who know what’s in the exams, our tips show areas of the syllabus that we would pay particular attention to if we were sitting the exams ourselves.

Our ACCA exam tips are below but one thing you should definitely do during the exam is to remain calm. Whilst some of the topics in a number of the exams can be relatively predictable, there will always be surprises that can crop up.

The gentleman in the video below showed a remarkable level of calmness even though there were early signs that things were starting to go wrong. Let’s just hope that nothing like this happens to you in your exams and that you can remain as composed as the interviewer.

If you’re after any last-minute exam tips for the ACCA exams then here are our December 2014 ACCA exam tips (follow the link, choose the paper you are interested in and the exam tips can be downloaded on the right hand side of the page).

Professional exams and romance. A perfect match?

Yesterday was Valentine’s Day. The day first started becoming popular in the 19th century in Great Britain and it’s a day when couples celebrate their love for each other.

The shops have been full of Valentine cards and gifts for people to send to their partners. I have a nice story about Valentine’s Day and professional exams as a few years ago two of my students first met on one of my courses and then ended up getting married on Valentine’s Day a few years later.

They worked for different Big 4 companies and love started to blossom when they sat next to each other on my course and the guy Andy asked Liz (his future wife) at lunchtime on the first day of the course if she understood what was being taught in the morning as he was finding it quite difficult. Fast forward 3 years and they got married on Valentine’s Day.

He later claimed that he did understand what was being taught but simply wanted to start up a conversation!

The moral of the story though is that if you’re on a course or studying with some friends and you find one of your colleagues attractive then don’t be afraid to get talking and who knows you may end up getting married in a few years!

Getting your exam results: better than your wedding day?

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I received a call first thing this morning from an individual that shall remain nameless. He was really pleased as he had just received his ACCA exam results and he had passed his final two exams.

He was so pleased that he actually said today was better than his wedding day (hence the decision for him to remain anonymous in case his wife who is also an accountant is reading!).

ACCA exam results day and wedding days certainly are memorable and over in Hong Kong, the fast food chain McDonalds has seen a gap in the market and are diversifying into McWeddings.

Had this been launched on 1 April then I would have been tempted to assume it was an April fool’s joke but no it’s genuine and may well make business sense for the company.

Anyone who’s been to Hong Kong will know that it’s a buzzing, fast moving place. Traditional Chinese weddings can be very expensive and for those couples that have dated in McDonalds then why not take it a step further and get married in McDonalds?

The McDonald’s “Warm and sweet wedding package,” starts at HK$9999 (approximately £800) and the first couple to get married at McDonalds did so last week on Valentine’s Day. It’s not clear though at this stage whether the ceremony replaced the words “would you like fries with that” to “would you like a wife with that”.

Many congratulations to everyone that has been successful with their ACCA exam results today and if the enjoyment from receiving your results is better than your wedding night then all the hard work was definitely worth it.

ACCA exam tips released today and I hope you’ll be better prepared than this person…

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To put it bluntly, in order to pass the ACCA exams and qualify as an accountant you have to be intelligent.

You will have needed to have put in a significant amount of work over the last few months to cover all of the main areas of the syllabus.

Now whilst no training company knows for sure what will actually be in the exams next month our ACCA exam tips identify areas which we believe you should have covered particularly well.

Being properly prepared though isn’t just applicable for people who are trying to pass their professional exams.

If your chosen method of progressing in life is to be a getaway driver for a gang of jewellery shop raiders then I guess there should also be an element of preparation.

A shop raiding gang in Essex in the UK put 19 year old Mohammed Alasow in charge of being their getaway driver.

It took his colleagues a mere 20 seconds to break open the shop window with a pickaxe and sledgehammer. They managed to grab £9,000 of jewellery and jumped into the getaway car where Mr Alasow put his foot down and the car shot off at speed.

Alas for the poor driver and his friends the car didn’t get very far as it ran out of petrol and stopped in the middle of the road a few miles away.

Things got even worse for the gang as a kindly policeman stopped to see if they needed some help and spotted a sledgehammer, masks and jewellery on the back seat of the car. Fast forward a few months and they were recently jailed for 8 years.

Now being a getaway driver and forgetting to fill the car with petrol doesn’t really indicate a thorough preparation for the role.

Back to a more respectable profession and in terms of last minute preparation for the ACCA exams then we advise that if you haven’t done so already to print off a copy of our free ExPress notes from www.theexpgroup.com and review them in the run up to the exam. These notes cover the key areas of the syllabus and are a perfect last minute revision aid.

Also, don’t forget that the exam papers will be marked using scanning technology. The scripts will be completed as normal by students but will be marked on screen by the markers.

It’s important therefore that you use a black pen in the exams. If you use anything else such as coloured pens or pencils there is a risk that the scanning technology may not pick up your writing.

Good luck with your final revision and click here for the links to the our ACCA exam tips.

The ACCA exam results are out today. If you’ve been successful then maybe head to the vending machine.

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It’s ACCA exam results day today and congratulations to those of you that have passed. All your hard work has paid off and it’s now time to celebrate.

I’ve often wondered whether the results day should be a Friday so you can celebrate on Friday night and Saturday night or whether it’s a good excuse to annoy everyone else in the office on the Monday with your shouts of happiness all day.

If by any chance you’re in Pennsylvania in America and want to have a little drink to celebrate your success then there is now a novel way of doing so.

We blogged last year about the use of vending machines in Germany for selling local fruit and vegetables but in Pennsylvania they are now piloting a new type of “outbound logistics” (using Porter’s Value Chain Analysis terminology).

You can now buy bottles of wine from vending machines. In order to buy the wine customers have to firstly prove they are old enough by swiping their ID and a credit card. They then have to prove they are sober enough to buy the wine by using a breathalyzer.

Wine aficionados may well be aghast at the thought of buying wine from a vending machine but if you’re the type of person that just doesn’t want to stand in a queue and talk to the shop assistant when you’re buying the wine then this could be for you.

Then again, if you’re buying it to celebrate passing your exams I would recommend that you buy it from the shop assistant so that you can tell them and the rest of the people in the queue the reason you’re buying it.

Allegations about two of the Big 4 and “espionage”? Make sure you don’t do this in your exam…

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So the June ACCA exams are finally starting today. After all the hard work students all over the world are facing that unique mixture of excitement, fear and anticipation as they turn over their actual exam papers for the first time.

One thing that really goes without saying though is that when you’re sat in the exam hall you shouldn’t be looking at the person next to you and trying to see what they are writing.

Although exams aren’t being sat in these two particular buildings occupied by PricewaterhouseCoopers and Ernst & Young in London, there have been various allegations recently that the buildings are a little too close for comfort.

Three years ago PwC moved into an office next door to EY. At their closest point the buildings are approximately 10 metres apart. This has led to concerns that the rival companies could spy on each other.

PwC have apparently made the first move to reduce the threat of “espionage”. In order to prevent EY employees spying on them through the windows they have installed automatic blinds that close as soon as audio-visual equipment is turned on. The offices have also been designed so as to prevent any computer screens from being visible through the windows.

EY were reported to be evaluating their options in response.

Whatever the outcome of this is, all of us here at ExP would like to wish you the very best in your exams and sincerely hope that you don’t feel the need to try to spy on your neighbour in the exam! GOOD LUCK.

The “little black dress” is a fashion icon but when you’re sitting your exams don’t forget to…

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The “little black dress” is an evening dress that is simple, classic and fashionable. Its origins date back to the 1920s with fashion historians claiming that the first design of the little black dress was made by the designer Coco Chanel back in the 1920s.

The design has been worn by numerous women over the years. The most famous “little black dress” was arguably the one worn by Audrey Hepburn in the film Breakfast at Tiffany’s.

This is all very interesting but what has it got to do with a blog for finance students and in particular what has it got to do with the ACCA exams that are taking place next month?

Well, if I’m honest it actually has very little to do with the exams as I can’t imagine there will be a lot of people wearing little black dresses to the exams! What should be happening though is that everyone should be attending the exams with a “little black pen”.

The June 2010 ACCA exams will for the first time see all the papers marked using scanning technology. The scripts will be completed as normal by students but instead of the scripts then being physically sent to the markers they will instead be scanned and then marked by markers “on screen”.

It is important therefore that you use a black ballpoint pen in your exams. If you use other colour pens, pencils, fountain pens or highlighter pens then these are unlikely to be picked up by the scanning technology and as a result the marker may not be able to see your answer.

Put simply, it doesn’t matter how good your answer is but if it is not picked up by the scanning technology then you may well find that you miss out on passing the exam.

In summary, forget about wearing a “little black dress” to the exam but don’t forget your “little black pen”.

The Superbrand results are out and it was a close run thing between ACCA and CIMA

The 2010 results of the UK Superbrands research were recently announced.

The annual Superbrands programme recognizes the UK’s strongest business to business brands.

For the last 15 years Superbrands has commissioned independent research to identify what are considered to be the UK’s strongest brands. The annual results are in the words of Superbrand “based on the opinions of marketing experts, business professionals and thousands of British consumers.”

It was a close run thing between ACCA and CIMA with ACCA being identified as being number 304 and CIMA being one ahead at 303. It was virtually a tie between the two institutes so it’s nice to know that they are both considered to be top brands in the UK.

In case you’re interested the top brand in the UK according to the 2010 Superbrands research was Microsoft.

It’s ACCA exam results time so there will be…

It’s ACCA exam results time so there will be some nervous people waiting for an email or the post to arrive. Best of luck to all of you that are waiting for the results.

I’m probably showing my age but when I qualified a fair few years ago the results of the exams were published in the Times newspaper on the Saturday morning when the results were due to arrive by post. The early editions of the newspapers would be available the night before in London so if you lived in London you could get your results on the Friday night before the results were in the paper on the Saturday.

At that time I wasn’t living in London but the Big 4 company I worked for organized some people to pick up some papers in the evening and staff a phone help line where students could call to see if their name was in the paper. After calling and finding out that I had passed I couldn’t resist the temptation to call 10 minutes later to double check!

Before you laugh at me for calling twice, for those of you that will be getting good news in an email then I’m sure that you’ll check the email more than once!

If you’re keen on getting started on your next papers then head over to our ExPand pages and download a copy of our ExPress notes to get you started. We’re releasing some great new free learning resources on our ExPand site next month so keep watching for some really exciting developments.