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Abstract
Microsoft Excel skills are imperative in today's competitive market and the skill is highly demanded by businesses. The MOS Excel Expert Certification (MO-201) validates the competency that one should build to meet employers' expectations. The paper addresses the statistical mean rank difference in four skill groups of the certification test. Results of the four groups of the test were compared, using the Kruskal-Wallis's test. The null hypothesis of the equality of the means for different groups was rejected at the 5% level of significance. Because the null hypothesis was rejected, the Conover post hoc test was applied for multiple pairwise comparisons, to discern which of the sample pair combinations were significantly different. The paper examines some of the concepts of groups 2 and 3 questions where students struggled the most and rendered insights to overcome those hurdles.

The concept of mutual funds is older than many believe, originating in Holland over 230 years ago. Through the years, mutual funds have evolved by allowing investors to invest their capital in various venues. The structure of mutual funds in Canada, the United Kingdom, and the United States possess similar configurations. The majority of funds in all three nations are invested in the equity market. Although the structure may be the same, the size in terms of assets varies by these three countries. This is not the only difference though; the expense ratio is greatly differentiated, dramatically affecting the amount of return that the investor will anticipate over time. Assuming identical returns, the authors illustrate that over a hypothetical ten-year time period, your funds would grow the most in the United States, followed by the United Kingdom and finally Canada. This analysis assumes comparable contemporary expense ratios of 1.4% for the United States, 1.63% for the United Kingdom, and 2.1% for Canada. In addition, we make the assumption that these comparison countries are having investors procure funds in no-load mutual funds.