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The Bookkeeping Certificate program is designed to prepare students for job opportunities in the area of small-business accounting. Office technology skills included are QuickBooks, Excel and Payroll.

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“I’m just riding the government roller coaster,” says one worker, who lost her job in February, was placed on administrative leave in March, and plans to return to work later this month.

Over my forty years or so in and around dealing rooms and financial markets, I have heard many theories as to how to approach that problem and have settled on a process that has worked for me.