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      <video:description>A rider is an optional add-on to an insurance policy that provides additional benefits or modifies coverage for an extra premium, allowing policyholders to customize their protection beyond the base policy. Learn more about Rider (Insurance) and other key terms for your LIFE-HEALTH, PROPERTY-CASUALTY exam at Open Exam Prep. This term appears on: LIFE-HEALTH, PROPERTY-CASUALTY Full glossary: https://www.open-exam-prep.com/glossary Rider (Insurance) definition: https://www.open-exam-prep.com/glossary/rider Exam Tip: Rider = optional add-on for extra premium. Common riders: Waiver of Premium, ADB, Guaranteed Insurability. --- insurance examprep financeexam life-health property-casualty</video:description>
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      <video:description>Complete Colorado Real Estate broker exam guide for 2026! Learn exam format, DORA requirements, transaction broker default, and tips to pass on your first try. What youll learn: 00:00 - CO Real Estate Exam Overview 00:30 - Exam Format &amp;amp; Requirements 01:00 - 168 Hours Pre-License Education 01:30 - Transaction Broker Default 02:00 - Key Topics to Study 02:30 - Study Tips &amp;amp; Free Resources FREE CO Real Estate Prep: https://open-exam-prep.com/exams/co-real-estate Full Guide: https://open-exam-prep.com/blog/colorado-real-estate-exam-guide-2026 ColoradoRealEstate CORealEstate RealEstateLicense DORA Denver ExamPrep 2026</video:description>
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      <video:description>A remainder interest is a future ownership interest in property that becomes possessory after a life estate terminates, allowing the remainderman to receive full ownership when the life tenant dies. Learn more about Remainder Interest and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Remainder Interest definition: https://www.open-exam-prep.com/glossary/remainder-interest Exam Tip: Remainder = future interest taking effect after life estate ends. Remainderman gets property when life tenant DIES. Vested = certain Contingent = condition must be met. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:description>Rule 144 provides a safe harbor for selling restricted securities and control securities, specifying holding periods, volume limitations, and filing requirements for legally reselling these securities. Learn more about Rule 144 and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Rule 144 definition: https://www.open-exam-prep.com/glossary/rule-144 Exam Tip: Rule 144 = resale of restricted/control securities. 6 months (reporting) or 1 year (non-reporting) holding period. Affiliates always have volume limits! --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:description>Right of survivorship is a legal feature of joint tenancy and tenancy by the entirety that automatically transfers a deceased co-owners interest to the surviving co-owner(s), bypassing probate. Learn more about Right of Survivorship and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Right of Survivorship definition: https://www.open-exam-prep.com/glossary/right-of-survivorship Exam Tip: Right of survivorship = automatic transfer to surviving co-owner. Joint tenancy and tenancy by entirety HAVE it. Tenancy in common does NOT. Bypasses probate and CANNOT be overridden by will. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>Health Insurance 59, Health Savings Accounts HSAs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - HSA eligibility requires enrollment in a qualified High-Deductible Health Plan (HDHP) and not being enrolled in Medicare. - HSAs feature a powerful triple-tax advantage: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. - The 2026 HSA contribution limits are 4,400 for self-only coverage and 8,750 for family coverage, with an additional 1,000 catch-up contribution for individuals 55 and older. - A critical exam trap is the 20% penalty plus income tax applied to non-qualified withdrawals for individuals under age 65. - A new rule allows individuals with certain Direct Primary Care (DPC) arrangements to remain eligible for an HSA, creating a new testable exception. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YTrqEdyR7q3A/5Euvgsmidj2_FIYgzR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YTrqEdyR7q3A/1784054431/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5Euvgsmidj2</video:player_loc>
      <video:duration>150</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-55-required-minimum-distributions</loc>
    <video:video>
      <video:title>Series 65 55, Required Minimum Distributions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific RMD age requirements based on birth year as set by the SECURE 2.0 Act. - How to calculate an RMD using the prior year-end balance and the IRS life expectancy factor. - The rules for a clients first RMD, including the April 1st deadline and the trap of taking two distributions in one year. - The 10-year rule for most beneficiaries of inherited IRAs and how it works. - The updated penalty for a missed RMD and how it can be reduced from 25% to 10%. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZUnqkvP67yFW/5-0vhdTjdj2_fUdwhB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZUnqkvP67yFW/1784054429/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5-0vhdTjdj2</video:player_loc>
      <video:duration>138</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-68-uniform-securities-act-overview</loc>
    <video:video>
      <video:title>Series 65 68, Uniform Securities Act Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to determine if an offer falls under a state Administrators jurisdiction based on origination and receipt. - The crucial two-part test an Administrator must satisfy to deny, suspend, or revoke a registration. - The key differences between a punitive action like revocation and a non-punitive action like cancellation. - The specific 60-day window to appeal an Administrators order. - The separate statutes of limitations for civil (3 years/2 years) and criminal (5 years) violations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/udjyFBrtEmms/4FuLMZT5cP2_XNvoIv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/udjyFBrtEmms/1784054807/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4FuLMZT5cP2</video:player_loc>
      <video:duration>159</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-35-contract-amendments</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 35, Contract Amendments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An amendment, using the promulgated TREC form, is required to change terms in an already executed contract. - For an amendment to be legally valid, it must be in writing and signed by all parties to the contract (buyer and seller). - Common exam scenarios for amendments include changing the sales price, adjusting the closing date, or adding a seller credit for repairs. - An amendment modifies existing terms, while an addendum adds new terms before a contract is signed. - A verbal agreement or an email is not sufficient to change the terms of a signed real estate contract in Texas. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZhDWozqtFCmr/yp1KMdTPd42_VBOeDR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZhDWozqtFCmr/1784054807/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yp1KMdTPd42</video:player_loc>
      <video:duration>162</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-30-special-provisions-paragraph-11</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 30, Special Provisions Paragraph 11</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Paragraph 11 is exclusively for inserting factual statements and business details applicable to the sale. - Drafting language that defines or affects the legal rights, obligations, or remedies of the parties is the unauthorized practice of law. - Acceptable uses include specifying personal property to be included or clarifying a simple, agreed-upon repair. - If a TREC-promulgated addendum exists for a situation, it must be used instead of writing in Special Provisions. - A common exam trap involves identifying clauses in Paragraph 11 that create contingencies or alter legal rights, which is prohibited. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rxDqtDfcAaor/4p11htSPdO2_FZGbGy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rxDqtDfcAaor/1784054808/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4p11htSPdO2</video:player_loc>
      <video:duration>162</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-65-tax-treatment-of-individual-health-insurance-premiums</loc>
    <video:video>
      <video:title>Health Insurance 65, Tax Treatment of Individual Health Insurance Premiums</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Self-employed individuals can take an above-the-line deduction for health insurance premiums, up to the net profit of the business. - Employees paying for individual policies with after-tax dollars can only deduct premiums as an itemized medical expense. - The itemized deduction for medical expenses is only for costs that exceed 7.5% of Adjusted Gross Income (AGI). - Marketplace plans may offer a Premium Tax Credit to lower costs, which is a credit and not a deduction. - COBRA premiums are treated as a standard medical expense, subject to the 7.5% AGI floor, with no special tax treatment. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sYD0hpLdAue5/zEueNdTjJ42_UgWPKU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sYD0hpLdAue5/1784054887/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zEueNdTjJ42</video:player_loc>
      <video:duration>164</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-64-dental-and-vision-insurance-plans</loc>
    <video:video>
      <video:title>Health Insurance 64, Dental and Vision Insurance Plans</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Dental services are categorized as preventive (100% coverage), basic (around 80% coverage), and major (around 50% coverage). - Dental plans have an annual maximum benefit that resets each year, typically between 1,000 and 2,000. - Orthodontic coverage is subject to a lifetime maximum limit, which does not renew annually. - Waiting periods often apply to basic (3-6 months) and major (up to 12 months) dental services to prevent adverse selection. - Vision insurance primarily offers allowances, which are set dollar amounts for materials like frames and lenses. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YMb0gjuk-aT7/5o01NsnzJP2_YGpCWw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YMb0gjuk-aT7/1784054887/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5o01NsnzJP2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-45-managing-and-selling-community-property</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 45, Managing and Selling Community Property</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The difference between sole management and joint management community property. - The ironclad rule that both spouses must sign to convey community real property. - Why title companies will not insure a title without the signatures of both spouses. - How community property is distributed at death without a survivorship agreement, often passing to children. - The purpose and requirements of a Community Property Survivorship Agreement to bypass probate. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0XDGhnWB7qTy/zouvhtSjIO2_RDdTFn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0XDGhnWB7qTy/1784054889/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zouvhtSjIO2</video:player_loc>
      <video:duration>173</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-32-sale-of-other-property-addendum</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 32, Sale of Other Property Addendum</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Sale of Other Property Addendum creates a contingency allowing a buyer to terminate if their current home doesnt sell by a specific date. - Sellers retain the right to continue marketing their property and can accept subsequent offers. - The kick-out clause allows the seller to require the first buyer to waive their contingency upon receiving a second offer. - Waiving the contingency requires both written notice and the deposit of additional earnest money, making the purchase obligation unconditional on the sale of the prior home. - A common exam trap is confusing the kick-out clause with a Right of First Refusal the buyer does not get to match the new offer, only to remove their own contingency. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wYzelnet-emr/zovKNsmzI52_NkSadI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wYzelnet-emr/1784054888/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zovKNsmzI52</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-exam-prep-2026-complete-free-licensing-study-playlist-introduction</loc>
    <video:video>
      <video:title>Health Insurance Exam Prep 2026: Complete FREE Licensing Study Playlist Introduction</video:title>
      <video:description>Health Insurance Exam Prep 2026 starts here. This video introduces the complete Open Exam Prep Health Insurance study playlist. This playlist includes a full 67-episode Health Insurance podcast course for candidates who want a structured, free review path before taking a health insurance, accident and health, or life and health licensing exam. Full course playlist: https://www.youtube.com/playlist?list=PLi1e52n1YnBSaegsqaA22QlISxr6iQSx What this Health Insurance playlist covers: - Individual and group health insurance - Health insurers, indemnity plans, HMOs, PPOs, EPOs, and managed care - Renewability provisions, policy provisions, riders, exclusions, and claims - Group coverage, coordination of benefits, COBRA, HIPAA, and ACA concepts - Disability income, medical expense coverage, Medicare, Medicaid, and long-term care - Supplemental health products, critical illness, dental, vision, hospital indemnity, and tax treatment State licensing rules vary. Always confirm your state outline, prelicensing requirements, exam vendor, and state law topics before scheduling. Free Health Insurance practice questions: https://open-exam-prep.com/practice/accident-health Free Health Insurance exam resources: https://open-exam-prep.com/exams/accident-health https://open-exam-prep.com/exams/life-health HealthInsurance InsuranceExam LifeAndHealth AccidentAndHealth ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:59 - Scene 2 1:42 - Scene 3 2:35 - Next steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3luGsnLAximW/zV1uNcnyI52_yLiMTK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3luGsnLAximW/1784055015/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zV1uNcnyI52</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-70-exempt-securities-and-exempt-transactions</loc>
    <video:video>
      <video:title>Series 65 70, Exempt Securities and Exempt Transactions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To distinguish between exempt securities (based on what they are) and exempt transactions (based on how they are sold). - That securities issued directly by a bank are exempt, while those issued by a bank holding company are not. - Why variable annuities are considered non-exempt securities that must be registered, unlike fixed insurance products. - The specific state rules for a private placement: offers to no more than 10 non-institutional investors in a 12-month period. - The critical rule that no security or transaction is ever exempt from the anti-fraud provisions of the Uniform Securities Act. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/WBC0pnaBwCpZ/zp1eNcSyI52_FokCpO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/WBC0pnaBwCpZ/1784055014/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zp1eNcSyI52</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-41-spousal-consent-and-homestead</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 41, Spousal Consent and Homestead</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Both spouses must sign to sell or mortgage a Texas homestead, even if its one spouses separate property. - A surviving spouse has a legal right to a life estate, allowing them to occupy the homestead for life, regardless of who inherits it. - Abandonment of a homestead requires both discontinuing use and forming an intent to not return temporary absence is not enough. - Homestead rights are distinct from community property laws but often work together to protect the family home. - Exam questions often test scenarios where one spouse attempts to act unilaterally on a homestead property or after the other spouses death. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vBqmAzutseSr/zpvLNJSyJP2_urNEzK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vBqmAzutseSr/1784055013/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zpvLNJSyJP2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-38-texas-homestead-protection</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 38, Texas Homestead Protection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Texas homestead protection is automatic for a primary residence and does not require a formal filing to be established. - An urban homestead is limited to a maximum of 10 acres of land, which can be on one or more contiguous lots. - A rural homestead is capped at 200 acres for a family and 100 acres for a single adult. - Homesteads are protected from forced sale by general creditors, like credit card companies or for personal loans. - Protection is not absolute a homestead can be foreclosed on for specific debts, including purchase money mortgages, property taxes, and valid mechanics liens. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wBC4FpHtYuS7/5p0ugdTOIP2_dFgZUS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wBC4FpHtYuS7/1784055021/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5p0ugdTOIP2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-52-aca-consumer-protections-and-no-surprises-act</loc>
    <video:video>
      <video:title>Health Insurance 52, ACA Consumer Protections and No Surprises Act</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the ACAs guaranteed issue and renewability rules prohibit insurers from denying coverage based on health status. - Why health plans can no longer impose lifetime or annual dollar limits on essential health benefits. - How the Medical Loss Ratio (MLR) requires insurers to spend at least 80% (individual/small group) or 85% (large group) of premiums on healthcare, or else issue rebates. - How the No Surprises Act protects consumers from unexpected bills for emergency care and from out-of-network providers at in-network facilities. - The critical exception to the No Surprises Act that is often tested: it does not apply to ground ambulance services. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YlqiBzakYifB/zF0LNcSPI52_kLDpit.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YlqiBzakYifB/1784055014/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zF0LNcSPI52</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/texas-real-estate-exam-prep-2026-complete-free-trec-study-playlist-introduction</loc>
    <video:video>
      <video:title>Texas Real Estate Exam Prep 2026: Complete FREE TREC Study Playlist Introduction</video:title>
      <video:description>Texas Real Estate Exam Prep 2026 starts here. This video introduces the complete Open Exam Prep Texas Real Estate study playlist. This playlist includes a full 50-episode Texas real estate podcast course for candidates who want a structured, free review path for Texas state law and TREC-specific exam topics. Full course playlist: https://www.youtube.com/playlist?list=PLi1e52n1YnBRrPHOvBcMIO5m6OggztPHb What this Texas Real Estate playlist covers: - TREC structure, TRELA, Commission rules, licensing, renewals, education, and disciplinary authority - Texas agency, fiduciary duties, representation, intermediary relationships, and broker responsibility - Texas promulgated forms, contracts, financing addenda, option fees, earnest money, surveys, title policy, and disclosures - Homestead, community property, marital rights, property management, landlord-tenant law, and security deposits - DTPA, evictions, deceptive practices, exemptions, penalties, and Texas-specific final review Use this playlist for Texas-specific review and pair it with national real estate exam prep for national concepts and real estate math. Free Texas Real Estate practice questions: https://open-exam-prep.com/practice/tx-real-estate Free Texas Real Estate exam guide: https://open-exam-prep.com/exams/tx-real-estate Official Texas Real Estate Commission: https://www.trec.texas.gov/ TexasRealEstate TREC RealEstateExam TexasRealEstateLicense ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:04 - Scene 1 0:49 - Scene 2 1:33 - Scene 3 2:36 - Next steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/s6eWlBql3aLA/WwCLgZS5Iy2_CeLXct.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/s6eWlBql3aLA/1784055147/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WwCLgZS5Iy2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-49-texas-security-deposit-and-landlord-duties</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 49, Texas Security Deposit and Landlord Duties</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Texas law sets no maximum limit on the amount a landlord can charge for a security deposit. - Landlords have exactly 30 calendar days after a tenant vacates and provides a forwarding address to return a security deposit or provide an itemized list of deductions. - Withholding a security deposit in bad faith can result in penalties of 100, three times the deposit amount wrongfully withheld, plus attorneys fees. - A landlords duty to return the deposit is contingent upon the tenant providing a forwarding address in writing. - Texas law mandates specific security devices, including keyed and keyless deadbolts on exterior doors, door viewers, and window latches. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sma4gFal7eTX/q2DuhZm4Ij2_yBHGaS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sma4gFal7eTX/1784055276/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q2DuhZm4Ij2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-65-broker-dealer-vs-investment-adviser-distinction</loc>
    <video:video>
      <video:title>Series 65 65, Broker-Dealer vs Investment Adviser Distinction</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Broker-Dealers earn transaction-based commissions and are held to a suitability standard. - Investment Advisers earn fees for providing ongoing advice and are held to a higher, fiduciary standard. - The method of compensationcommissions for transactions versus fees for advicedetermines whether one is acting as a BD agent or an IAR. - Wrap fee accounts, which bundle services for a single fee, always require registration as an Investment Adviser Representative because advice is a core component. - For dually-registered individuals, the exam requires you to identify which hat they are wearing based on the activity and compensation for that specific interaction. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wyyCxFvtFuVs/q291McmPIy2_tyIPrc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wyyCxFvtFuVs/1784055277/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q291McmPIy2</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-51-marketplace-and-metal-tier-plans</loc>
    <video:video>
      <video:title>Health Insurance 51, Marketplace and Metal Tier Plans</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four metal tier plans (Bronze, Silver, Gold, Platinum) and their specific actuarial values. - Eligibility requirements for Catastrophic health plans. - The 2026 update making Bronze and Catastrophic plans automatically eligible for Health Savings Accounts (HSAs). - The difference between Premium Tax Credits and Cost-Sharing Reductions, and why Silver plans are key. - A mnemonic to easily remember the metal tiers and their corresponding cost-sharing percentages. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1meCxzHc_CpW/q29vgcSOJy2_MEvboT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1meCxzHc_CpW/1784055276/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q29vgcSOJy2</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-47-dtpa-damages-and-penalties</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 47, DTPA Damages and Penalties</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Unintentional DTPA violations result in economic damages, which cover the consumers out-of-pocket financial losses. - A knowing or intentional DTPA violation can trigger treble damages, allowing a court to award up to three times the economic damages. - The exam will test your ability to identify keywords like knowingly to correctly calculate maximum potential damages in a scenario. - Damages for mental anguish may also be awarded, but only when the deceptive act was committed knowingly or intentionally. - A consumer who prevails in a DTPA lawsuit is mandatorily entitled to the recovery of their reasonable attorneys fees and court costs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YzrKtn1dBqwr/q3D0MJTPJy2_jeVpmU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YzrKtn1dBqwr/1784055405/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q3D0MJTPJy2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-63-critical-illness-and-hospital-indemnity-plans</loc>
    <video:video>
      <video:title>Health Insurance 63, Critical Illness and Hospital Indemnity Plans</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Critical Illness insurance pays a one-time, lump-sum cash benefit directly to you upon diagnosis of a covered condition like cancer or a stroke. - Hospital Indemnity insurance pays a fixed daily or weekly amount directly to you for each day you are confined in a hospital. - Benefits from both plans are paid regardless of, and in addition to, any other major medical insurance you have. - These are considered stated amount or valued policies, not reimbursement policies the payout is a fixed amount, not based on actual medical bills. - A common exam trap is confusing these policies with disability income insurance, which replaces lost wages, not costs associated with a specific health event. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3ErekBbA-evt/W39vgJTPIj2_PDUjnj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3ErekBbA-evt/1784055405/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W39vgJTPIj2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-62-accidental-death-and-dismemberment-insurance</loc>
    <video:video>
      <video:title>Health Insurance 62, Accidental Death and Dismemberment Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The difference between the Principal Sum (for accidental death) and the Capital Sum (for dismemberment). - Why AD&amp;amp;D will not pay for a death caused by a sickness, like a heart attack, even if it results in an accident. - How the 90-day time limit between the accident and the loss is a critical factor for a claim to be paid. - The key distinction between a standalone AD&amp;amp;D policy and a double indemnity rider on a life insurance policy. - Common policy exclusions such as suicide, war, commission of a felony, and intoxication. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2jv8cjed_q9X/X28ehdTycz2_ydTAxr.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2jv8cjed_q9X/1784055404/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X28ehdTycz2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-42-homestead-tax-exemptions</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 42, Homestead Tax Exemptions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - All Texas homeowners are entitled to a mandatory homestead exemption on their school district property taxes. - Homeowners who are over 65 or disabled qualify for an additional exemption from school district taxes. - The school district tax ceiling for those over 65 or disabled freezes the dollar amount of their school taxes, not the tax rate or property value. - A surviving spouse can retain the over-65 exemption and tax ceiling if they are at least 55 years old when their spouse dies. - Exam calculations require subtracting all applicable exemptions from the market value before applying the tax rate to find the tax owed. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qDfKEnKt-mvZ/Xg9KgJT5ci2_vAyKYG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qDfKEnKt-mvZ/1784055412/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xg9KgJT5ci2</video:player_loc>
      <video:duration>184</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/npte-pass-rates-explained-how-to-pass-on-your-first-attempt-2026</loc>
    <video:video>
      <video:title>NPTE Pass Rates Explained: How to Pass on Your First Attempt (2026)</video:title>
      <video:description>The NPTE first-time pass rate for US-educated PTs is high (88-92%), but the retaker rate plummets to 40-55%. This video breaks down the official FSBPT pass rate data, explains why retakers struggle, and gives you a concrete study strategy focused on passing the first time. Learn about the NPTE content outline, scoring, and how to use active practice to succeed. Start your free NPTE practice at https://open-exam-prep.com/practice/npte Full blog guide: https://open-exam-prep.com/blog/npte-pass-rate-2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:35 - Scene 2 1:07 - Scene 3 1:39 - Scene 4 2:10 - Scene 5 2:42 - Scene 6 3:14 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - NPTE Physical Therapy Exam Prep 2025: Comprehensive Test Prep with Practice Questions, Clinical Scenarios, and Essential Knowledge for Physical Therapist Licensure Success: https://www.amazon.com/dp/B0FKG57X7T?tag=openexamprep-20 - PTA EXAM PREP 2025 - 2026: A Comprehensive Study Guide with Updated Content, 700+ Practice Questions, Detailed Explanations and Expert Tips to Ace the Physical Therapist Assistant Certification: https://www.amazon.com/dp/B0FWYKT1PF?tag=openexamprep-20 - National Physical Therapy Assistants Exam Study Guide 2025: Comprehensive NPTAE Prep Book with 100 Practice Questions, Detailed Content Review, Test-Taking Strategies, and a 30-Day Study Plan: https://www.amazon.com/dp/B0FKGSGMRR?tag=openexamprep-20</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YoDKBD0k6e_z/r2DfMJm5cj2_xzdGLx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YoDKBD0k6e_z/1784055415/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r2DfMJm5cj2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-43-community-property-basics</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 43, Community Property Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The strong legal presumption in Texas that all property acquired during marriage is community property. - How to define separate property: assets owned before marriage or received during marriage by gift, will, or inheritance. - A common exam trap: income from separate property (like rent) is considered community property. - Why the name on the title does not determine if a property is separate or community. - The crucial rule that the burden of proof is on the spouse claiming an asset is separate property. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xVy4FDLtBu3t/rNCuMcmjdi2_bqZEzb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xVy4FDLtBu3t/1784055493/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rNCuMcmjdi2</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-60-flexible-spending-accounts-and-health-reimbursement-arrangements</loc>
    <video:video>
      <video:title>Health Insurance 60, Flexible Spending Accounts and Health Reimbursement Arrangements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Flexible Spending Accounts (FSAs) are employee-funded, subject to a use-it-or-lose-it rule, with a 2026 maximum carryover of 680. - Health Reimbursement Arrangements (HRAs) are exclusively funded by the employer, and unused funds typically roll over without a limit. - A key exam distinction is ownership: FSAs and HRAs are employer-owned, while Health Savings Accounts (HSAs) are employee-owned and portable. - For 2026, the Health FSA contribution limit is 3,400, and the Dependent Care FSA limit is 7,500 per household. - Unlike HSAs, neither FSAs nor HRAs require an individual to be enrolled in a High-Deductible Health Plan (HDHP). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/38f0hBLA6qDs/rxCugsTyci2_GRkHdH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/38f0hBLA6qDs/1784055486/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rxCugsTyci2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-63-form-adv-part-1-and-part-2-brochure</loc>
    <video:video>
      <video:title>Series 65 63, Form ADV Part 1 and Part 2 Brochure</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Form ADV Part 1 is the regulatory filing for the SEC and states, while Part 2 (the brochure) is the disclosure document for clients. - Part 2A is the firms brochure, detailing services and fees, while Part 2B is the supplement, detailing the backgrounds of specific advisory personnel. - The client brochure must be delivered no later than the time of entering into an advisory contract. - Advisers must file an annual updating amendment within 90 days of their fiscal year-end and deliver a summary of material changes to clients within 120 days. - Any material changes to the Form ADV require a prompt filing of an other-than-annual amendment. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0OrGxzasAyFt/Xh8fMsTidy2_yeWrXj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0OrGxzasAyFt/1784055486/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xh8fMsTidy2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-58-section-125-cafeteria-plans</loc>
    <video:video>
      <video:title>Health Insurance 58, Section 125 Cafeteria Plans</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Section 125 plans let employees pay for qualified benefits with pre-tax dollars, lowering their taxable income. - The core choice in a cafeteria plan is between receiving taxable cash salary or non-taxable benefits. - Flexible Spending Accounts (FSAs) are governed by the strict use-it-or-lose-it rule where unused funds are forfeited. - A plan may offer a limited exception to the FSA forfeiture rule: either a grace period or a small rollover, but never both. - Eligibility is a key exam trap self-employed individuals and partners are generally ineligible to participate. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/q8jCxnqcBe85/Xh9eMdmjci2_XYgEwa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/q8jCxnqcBe85/1784055487/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xh9eMdmjci2</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-39-homestead-protection-exceptions</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 39, Homestead Protection Exceptions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Texas homestead protection is powerful but has four key exceptions that allow for foreclosure. - Why a purchase money lien, the original mortgage to buy the home, is a primary exception. - How unpaid property taxes create a superior lien that can lead to the forced sale of a homestead. - The strict requirements for a valid mechanics lien, including a written contract signed by both spouses before work starts. - That defaulting on a home equity loan is another specific exception that can result in losing a homestead. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/X8fWsFXkAax7/Xh9uhsSzdz2_BnjbqL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/X8fWsFXkAax7/1784055496/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xh9uhsSzdz2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-55-cobra-qualifying-events-and-election-timelines</loc>
    <video:video>
      <video:title>Health Insurance 55, COBRA Qualifying Events and Election Timelines</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The employer has 30 days to notify the plan administrator of qualifying events like termination or reduction in hours. - The employee or beneficiary has 60 days to notify the plan administrator of qualifying events like divorce or a child losing dependent status. - A qualified beneficiary has a 60-day period to elect to continue their COBRA coverage after receiving the election notice. - The initial COBRA premium payment is due within 45 days of electing coverage. - Subsequent monthly premium payments have a 30-day grace period. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3fCqAnHZ3au4/WMD0MsmidO2_dDxXhk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3fCqAnHZ3au4/1784055639/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WMD0MsmidO2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-54-cobra-continuation-coverage</loc>
    <video:video>
      <video:title>Health Insurance 54, COBRA Continuation Coverage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That COBRA is a federal law applying to employers with 20 or more employees. - The difference in qualifying events for employees (termination, reduced hours) versus dependents (death, divorce, Medicare eligibility). - The standard continuation period is 18 months for termination or reduction in hours. - Dependents are eligible for a longer, 36-month continuation period for events like death of the employee or divorce. - Beneficiaries must pay up to 102% of the premium, which includes the full cost plus a 2% administrative fee. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0ryColuZZC_A/qw9KMtTydO2_YbHaaa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0ryColuZZC_A/1784055629/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qw9KMtTydO2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-53-group-health-insurance-fundamentals</loc>
    <video:video>
      <video:title>Health Insurance 53, Group Health Insurance Fundamentals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The distinction between the master contract held by the employer and the certificate of insurance provided to employees. - Common eligibility requirements for group coverage, including waiting periods for new hires. - The key differences between contributory and noncontributory plans, including their required participation percentages. - The function and importance of the annual open enrollment period for making coverage changes. - How experience rating is used for large groups to determine premiums based on their specific claims history. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sfiikjL6squX/WwDKNJSyd42_hwCsQc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sfiikjL6squX/1784055634/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WwDKNJSyd42</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-56-erisa-and-plan-fiduciary-standards</loc>
    <video:video>
      <video:title>Series 65 56, ERISA and Plan Fiduciary Standards</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That ERISA governs private-sector retirement plans to protect employee assets. - The prudent man rule requires fiduciaries to act with the skill and care of a knowledgeable expert. - Prohibited transactions, such as self-dealing or transacting with a party-in-interest, are strictly forbidden to avoid conflicts of interest. - Plan sponsors have a fiduciary duty of loyalty to act exclusively for the benefit of plan participants. - The Department of Labor enforces ERISA and can levy significant financial penalties for violations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/WvmOtlWJsiDZ/q29fhcSjdP2_ZilVjd.jpg</video:thumbnail_loc>
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      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-52-qualified-retirement-plans-401k-and-pension</loc>
    <video:video>
      <video:title>Series 65 52, Qualified Retirement Plans 401k and Pension</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between defined benefit and defined contribution plans is who assumes the investment risk: the employer or the employee. - Employee contributions to a 401(k) are always 100% immediately vested, meaning they belong to the employee from day one. - Employer contributions, such as matching funds, are subject to vesting schedules, with ERISA setting maximums of either a three-year cliff or a six-year graded schedule. - A profit-sharing plan is a type of defined contribution plan that gives the employer discretion on whether to make contributions each year. - The Series 65 exam tests these concepts through scenario-based questions requiring you to apply vesting rules and differentiate between plan types based on risk. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1vy0EBeZxmwX/q2CeMtnOd42_OCSIOm.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q2CeMtnOd42</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
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    <video:video>
      <video:title>How to Become a Notary in Georgia (2026 Step-by-Step Guide)</video:title>
      <video:description>Learn how to become a Georgia Notary Public in 2026 with this complete step-by-step guide. We cover all the requirements, including the mandatory free training course and 90% quiz, finding two character endorsers, and submitting your application. Find out why Georgia is one of the most accessible states to become a notary, with no separate state exam and no bond required! Read the full article for checklists and more details: https://open-exam-prep.com/blog/georgia-notary-guide-2026 Video chapters: 0:00 Georgia Notary Overview 0:25 Key Requirements: No Exam, No Bond 1:05 Eligibility &amp;amp; Character Endorsers 1:45 Mandatory Training Course &amp;amp; Quiz 2:20 Application and Oath of Office 3:00 Notary Supplies: Seal &amp;amp; Journal 3:40 Fees and Remote Notarization Rules Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:34 - Scene 2 1:04 - Scene 3 1:33 - Scene 4 2:00 - Scene 5 2:30 - Scene 6 3:01 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - Notary Public Logbook: https://www.amazon.com/dp/1441317325?tag=openexamprep-20 - The Complete How-To Guide for Notaries, Your Notary Practices Resource from A-Z: https://www.amazon.com/dp/1597672386?tag=openexamprep-20</video:description>
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      <video:duration>202</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-40-home-equity-loan-restrictions</loc>
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      <video:title>Real Estate Exam Texas 40, Home Equity Loan Restrictions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Texas law caps the total of all loans secured by a homestead, including a new home equity loan, at 80% of the homes fair market value. - A mandatory and non-waivable 12-day cooling-off period must pass between the loan application and the closing. - Homeowners are restricted to having only one home equity loan on their property at any given time. - A new home equity loan cannot be obtained more frequently than once every 12 months. - Lenders must obtain a court order to foreclose on a property due to default on a home equity loan, a process known as judicial foreclosure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W3D1MZTyc52</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-59-state-vs-federal-ia-registration</loc>
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      <video:title>Series 65 59, State vs Federal IA Registration</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific Assets Under Management (AUM) thresholds that determine whether an Investment Adviser must register with the state or the SEC. - The rules and limitations of the de minimis exemption for state registration. - How operating as a multi-state adviser can affect SEC registration eligibility. - The precise triggers and timeframes for switching between state and federal registration. - The distinction between full state registration and the notice filing required for federal covered advisers.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Z0uudjXRxi25/qNC0MIT5c52_aAJQTh.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qNC0MIT5c52</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-58-investment-advisers-act-of-1940</loc>
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      <video:title>Series 65 58, Investment Advisers Act of 1940</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three-prong test (ABC: Advice, Business, Compensation) for defining an investment adviser. - How the L.A.T.E. exclusion for lawyers, accountants, teachers, and engineers is tested on the exam. - The critical distinction between advice that is solely incidental versus a primary business activity. - The specific Assets Under Management (AUM) thresholds that determine federal versus state registration. - Common exam traps, such as special conditions that override AUM for SEC registration requirements. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/2Gi4AF1RtqE7/1784055776/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W38fMInOdO2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-49-affordable-care-act-overview-and-key-provisions</loc>
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      <video:title>Health Insurance 49, Affordable Care Act Overview and Key Provisions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That insurers must offer coverage to all applicants regardless of health status under the guaranteed issue provision. - That premiums can only be rated based on age, location, family size, and tobacco use, not health history. - That dependents can remain on a parents plan until age 26, irrespective of marital, student, or financial status. - Key 2026 updates, including the expiration of enhanced premium tax credits on Dec 31, 2025, and the new 9.96% employer affordability threshold. - That all compliant plans must cover ten Essential Health Benefits, such as hospitalization and prescription drugs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WxC1gJTOc42</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cobra-vs-aca-marketplace-2026-which-is-cheaper-after-a-layoff</loc>
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      <video:title>COBRA vs. ACA Marketplace 2026: Which Is Cheaper After a Layoff?</video:title>
      <video:description>Losing your job? You have 60 days to choose between COBRA and an ACA Marketplace health plan. This guide explains the cost difference after the enhanced ACA subsidies expired in 2026. Learn when COBRA makes sense, when the Marketplace is cheaper, and how to choose the right coverage for your family. Read the full comparison and use our decision guide: https://open-exam-prep.com/blog/cobra-vs-aca-marketplace-health-insurance-2026 Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:33 - Scene 2 1:03 - Scene 3 1:32 - Scene 4 2:01 - Scene 5 2:30 - Scene 6 2:58 - Next steps</video:description>
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      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/aleks-math-test-format-2026-what-to-expect-on-test-day</loc>
    <video:video>
      <video:title>ALEKS Math Test Format 2026: What to Expect on Test Day</video:title>
      <video:description>A complete guide to the ALEKS Math Placement test format for 2026. Learn how the adaptive, open-response assessment actually works, including the question count, time limit, on-screen calculator policy, proctoring rules with Respondus, and how to interpret your 0-100 score. We cover everything you need to know to avoid surprises on test day. This is a placement test, not a pass/fail examunderstand the rules so you can get an honest placement and succeed in your course. Full blog guide: https://open-exam-prep.com/blog/aleks-math-placement-test-format-2026 Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:30 - Scene 2 0:59 - Scene 3 1:30 - Scene 4 2:03 - Scene 5 2:33 - Scene 6 3:03 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - ALEKS Math Placement Test Secrets Study Guide: Review and Practice Exam for the ALEKS Math Placement, Preparation, and Learning PPL Test: https://www.amazon.com/dp/1516727746?tag=openexamprep-20 - ALEKS Math Placement Test Prep 2026: 1200 Verified Practice Questions with Accurate Answer Keys, Step-by-Step Worked Solutions, and Clear Concept Explanations to Place Into College-Level Math: https://www.amazon.com/dp/B0GZ3V6RJ6?tag=openexamprep-20 - ALEKS Math Placement Exam Prep 20262027: Complete Study Guide with 1,500+ Practice Questions, 15 Full-Length Practice Tests, 15 Proven Strategies, and Full Answer Explanations: https://www.amazon.com/dp/B0H1MQ9TN2?tag=openexamprep-20</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xw8KMYmOc42</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/aleks-math-test-whats-on-it-what-your-score-means-2026</loc>
    <video:video>
      <video:title>ALEKS Math Test: Whats On It &amp;amp; What Your Score Means (2026)</video:title>
      <video:description>The ALEKS Math Placement test score determines which math course you take first in college. This guide breaks down the 314 topics in 8 key areas, from arithmetic to trigonometry, and explains how the 0-100 score works. Learn the single most important fact about ALEKS scoring: each college sets its own cutoffs. We show real examples from different universities to prove why a 78 can place you into Calculus at one school but not another. Find out how to locate your schools exact score chart and study smarter. Read the full article on Open Exam Prep for a detailed topic list, more university score charts, and free practice questions: https://open-exam-prep.com/blog/aleks-math-topics-and-score-chart-2026 Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:34 - Scene 2 1:04 - Scene 3 1:33 - Scene 4 2:02 - Scene 5 2:33 - Scene 6 3:02 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - ALEKS Math Placement Test Secrets Study Guide: Review and Practice Exam for the ALEKS Math Placement, Preparation, and Learning PPL Test: https://www.amazon.com/dp/1516727746?tag=openexamprep-20 - ALEKS Math Placement Test Prep 2026: 1200 Verified Practice Questions with Accurate Answer Keys, Step-by-Step Worked Solutions, and Clear Concept Explanations to Place Into College-Level Math: https://www.amazon.com/dp/B0GZ3V6RJ6?tag=openexamprep-20 - ALEKS Math Placement Exam Prep 20262027: Complete Study Guide with 1,500+ Practice Questions, 15 Full-Length Practice Tests, 15 Proven Strategies, and Full Answer Explanations: https://www.amazon.com/dp/B0H1MQ9TN2?tag=openexamprep-20</video:description>
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      <video:duration>205</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-34-seller-financing-addendum</loc>
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      <video:title>Real Estate Exam Texas 34, Seller Financing Addendum</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between a Promissory Note (the IOU) and a Deed of Trust (the security instrument) in a Texas seller-financed deal. - How the Due-on-Sale clause protects the seller by preventing the buyer from transferring the property without the sellers consent. - The sellers right under the addendum to review and approve the buyers credit as a contract contingency. - Where key financial terms like interest rate, payment schedule, and loan amount are formally documented in the transaction. - Why Texas real estate transactions use a Deed of Trust with a power of sale, allowing for non-judicial foreclosure, instead of a traditional mortgage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r28fMJnPdP2</video:player_loc>
      <video:duration>203</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-53-traditional-and-roth-iras</loc>
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      <video:title>Series 65 53, Traditional and Roth IRAs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Traditional IRA deductibility is determined by income only if the individual is covered by a workplace retirement plan. - How Roth IRA contribution eligibility is based entirely on Modified Adjusted Gross Income (MAGI), regardless of workplace plan coverage. - The mechanics of a Backdoor Roth IRA, a strategy for high-income earners to fund a Roth account via a non-deductible Traditional IRA contribution and subsequent conversion. - That converting pre-tax Traditional IRA funds to a Roth IRA is a taxable event in the year of the conversion. - That the annual contribution limit is an aggregate limit that applies across all of an individuals Traditional and Roth IRAs combined. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XMC1MISPdO2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/how-to-answer-every-az-900-azure-service-question-2026-study-guide</loc>
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      <video:title>How to Answer Every AZ-900 Azure Service Question (2026 Study Guide)</video:title>
      <video:description>Struggling with the Describe Azure architecture and services domain on the AZ-900 exam? This video breaks down the most important part of the test (35-40%) into a simple framework. Learn how to choose the right service for any scenario, covering Compute, Networking, Storage, and Databases. Stop memorizing, start selecting. Read the complete study guide on our blog: https://open-exam-prep.com/blog/az-900-azure-services-study-guide-2026 Test your knowledge with free AZ-900 practice questions: https://open-exam-prep.com/practice/azure-az-900 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:36 - Scene 2 1:12 - Scene 3 1:45 - Scene 4 2:21 - Scene 5 2:55 - Scene 6 3:31 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - Microsoft Certified Azure Fundamentals All-in-One Exam Guide (Exam AZ-900): https://www.amazon.com/dp/126426836X?tag=openexamprep-20 - Exam Ref AZ-900 Microsoft Azure Fundamentals: https://www.amazon.com/dp/0137955146?tag=openexamprep-20</video:description>
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      <video:duration>233</video:duration>
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      <video:title>How to Pass the New Jersey Notary Exam (2026 Guide)</video:title>
      <video:description>Your complete guide to passing the 2026 New Jersey Notary Public Exam on your first try. This video covers the online exam format, how to use the open-book rule to your advantage, key topics like notarial acts under RULONA, the low fee structure, and the steps to get your commission after you pass. Find our full FREE New Jersey Notary Exam Guide and practice questions here: https://open-exam-prep.com/blog/new-jersey-notary-exam-guide-2026 Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:35 - Scene 2 1:01 - Scene 3 1:33 - Scene 4 2:04 - Scene 5 2:34 - Scene 6 3:01 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - NEW JERSEY NOTARY PUBLIC STUDY GUIDE: Ace Your Exam on Your First Try with 800+ Practice Questions, 8 Full-Length Tests, and Proven Strategies.: https://www.amazon.com/dp/B0GD1RBT3F?tag=openexamprep-20 - Pass the New Jersey Notary Public Exam: Everything You Need - Exam Prep with 2 Full Practice Tests!: https://www.amazon.com/dp/B0BZFGS18Y?tag=openexamprep-20 - New Jersey Notary Exam Prep 2025-2026: 450+ Practice Questions with In-Depth Explanations: https://www.amazon.com/dp/B0FG26119M?tag=openexamprep-20</video:description>
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      <video:duration>206</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-71-advertising-and-marketing-rules-for-ias</loc>
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      <video:content_loc>https://streaming.open.video/contents/qsmKxj0H_EjY/1784073417/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5NC0psS5Jy2</video:player_loc>
      <video:duration>291</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/aws-cloud-practitioner-exam-prep-2026-complete-free-clf-c02-study-playlist-introduction</loc>
    <video:video>
      <video:title>AWS Cloud Practitioner Exam Prep 2026: Complete FREE CLF-C02 Study Playlist Introduction</video:title>
      <video:description>AWS Cloud Practitioner Exam Prep 2026 starts here. This video introduces the complete Open Exam Prep AWS Certified Cloud Practitioner CLF-C02 study playlist. This playlist includes a full 50-episode AWS CCP podcast course for candidates who want a structured, free review path before taking the CLF-C02 exam. What this AWS Cloud Practitioner playlist covers: - Cloud concepts, global infrastructure, cloud economics, and the AWS Well-Architected Framework - Shared responsibility, IAM, MFA, roles, policies, security services, governance, and compliance - Compute, storage, databases, networking, content delivery, management, migration, analytics, and AI services - Billing, pricing, support plans, AWS Marketplace, Cost Explorer, Budgets, Trusted Advisor, and AWS Health - Service selection logic for common CLF-C02 answer-choice traps Full AWS Cloud Practitioner playlist: https://www.youtube.com/playlist?list=PLi1e52n1YnBSrVWO35zu3Oxc2ENkr8LZ4 Free AWS Cloud Practitioner practice questions: https://open-exam-prep.com/practice/aws-cloud-practitioner Free AWS Cloud Practitioner services study guide: https://open-exam-prep.com/blog/aws-cloud-practitioner-services-study-guide-2026 Official AWS Certified Cloud Practitioner page: https://aws.amazon.com/certification/certified-cloud-practitioner/ AWSCloudPractitioner CLFC02 AWSCertification AWSCCP CloudPractitioner ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:05 - Scene 1 1:15 - Scene 2 2:43 - Scene 3 4:03 - Next steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/djumkbOW7gTt/XgDmpsSzIi2_NrisqA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/djumkbOW7gTt/1784080596/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XgDmpsSzIi2</video:player_loc>
      <video:duration>275</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-74-insider-trading-and-market-manipulation</loc>
    <video:video>
      <video:title>Series 65 74, Insider Trading and Market Manipulation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - What constitutes material nonpublic information and how its tested on the exam. - The specific requirements for establishing tipper-tippee liability, including the personal benefit test. - How firms use Chinese Walls as a procedural safeguard to prevent the misuse of inside information. - Key market manipulation tactics like wash trades, marking the close, and pump and dump schemes. - The severe civil and criminal penalties for insider trading, including treble damages and imprisonment. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hEemFzKW6EwB/XF8SpInPcj2_Kwvxnc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hEemFzKW6EwB/1784082857/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XF8SpInPcj2</video:player_loc>
      <video:duration>272</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-51-tax-advantaged-investment-strategies</loc>
    <video:video>
      <video:title>Series 65 51, Tax-Advantaged Investment Strategies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to calculate the taxable equivalent yield of a municipal bond to compare it to a taxable bond. - The rules of tax-loss harvesting, including the 61-day wash sale rule window. - The strategy of asset location for placing investments in the most tax-efficient accounts. - The requirements for a dividend to be considered qualified and receive preferential tax treatment. - The limitation on deducting passive activity losses only against passive income. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZtjmoxL4soNW/5g1ugQTPJj2_PngUfH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZtjmoxL4soNW/1784086417/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5g1ugQTPJj2</video:player_loc>
      <video:duration>101</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/how-to-pass-the-ijcahpo-cot-exam-2026-study-guide</loc>
    <video:video>
      <video:title>How to Pass the IJCAHPO COT Exam (2026 Study Guide)</video:title>
      <video:description>Are you a COA planning to take the Certified Ophthalmic Technician (COT) exam? This complete guide for the 2026 IJCAHPO exam breaks down everything you need to know to pass. We cover the career benefits, the most common eligibility pathway, the 200-question multiple-choice exam, and the 7-station computer-simulated Skill Evaluation. In this video, youll learn: - The four eligibility pathways (and a deep dive into the most common one for COAs). - How the 22 multiple-choice content areas are weighted. - What to expect on the 7 computer-simulated skill stations. - Critical tips for challenging stations like Tonometry and Visual Fields. - Recertification requirements to maintain your credential. Ready to start studying? Access our 100% FREE COT practice questions and skill-station drills: https://open-exam-prep.com/blog/ijcahpo-certified-ophthalmic-technician-exam-guide-2026 COTexam IJCAHPO OphthalmicTechnician COAtoCOT OphthalmicCertification Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:40 - Scene 2 1:15 - Scene 3 1:48 - Scene 4 2:21 - Scene 5 2:55 - Scene 6 3:28 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CERTIFIED OPHTHALMIC TECHNICIAN EXAM PREP (2025-2026): Clinical Skill Reviews, 800+ Practice Questions, Short Quizzes after each Chapters, and 4 ... Mock Exams for the IJCAHPO COT Certification: https://www.amazon.com/dp/B0FK29B83Y?tag=openexamprep-20 - CERTIFIED OPHTHALMIC TECHNICIAN COT EXAM PREP: Complete Study Guide with Detailed Rationales, Domain Mastery Dashboards, and IJCAHPO Blueprint Alignment for COT Certification Success: https://www.amazon.com/dp/B0GTCH3S29?tag=openexamprep-20</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2hn8wd1OZgKy/yN01gBm5dO2_cSNWiY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2hn8wd1OZgKy/1784086434/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yN01gBm5dO2</video:player_loc>
      <video:duration>239</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-48-workers-compensation-and-health-insurance</loc>
    <video:video>
      <video:title>Health Insurance 48, Workers Compensation and Health Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Workers Compensation is always the primary payer for work-related injuries and illnesses. - How health insurance policies exclude coverage for occupational injuries covered by Workers Comp. - The four main types of Workers Compensation benefits: medical, disability income, rehabilitation, and death. - That Workers Compensation is a no-fault system, meaning an employees negligence usually does not affect their benefits. - A mnemonic to remember the key benefits: MR. DD lives at work (Medical, Rehabilitation, Disability, Death). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sErasxSbxA_7/z_vuNlSPcy2_fMSUez.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sErasxSbxA_7/1784088130/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z_vuNlSPcy2</video:player_loc>
      <video:duration>153</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-47-chip-and-other-government-health-programs</loc>
    <video:video>
      <video:title>Health Insurance 47, CHIP and Other Government Health Programs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - CHIP provides health coverage for children in families with incomes too high for Medicaid but too low to afford private insurance. - TRICARE For Life is a secondary, wraparound coverage for military retirees enrolled in Medicare Part A and Part B, with Medicare always acting as the primary payer. - VA healthcare is a separate system for eligible veterans and generally does not coordinate with private insurance for care received outside the VA system. - Government programs like Medicaid and CHIP are typically the payer of last resort when a private insurance plan also exists. - A common exam trap is understanding the specific hierarchy of payers: private plans pay before CHIP, and Medicare pays before TRICARE For Life. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uED4sbjatkFB/5V1fMkSPdy2_wjepOs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uED4sbjatkFB/1784088131/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5V1fMkSPdy2</video:player_loc>
      <video:duration>151</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/aws-ccp-47-aws-cost-optimization-tools</loc>
    <video:video>
      <video:title>AWS CCP 47, AWS Cost Optimization Tools</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How AWS Trusted Advisor provides high-level checks to identify idle and underutilized resources. - The role of AWS Compute Optimizer in offering specific, machine learning-driven right-sizing recommendations. - Using Amazon S3 Intelligent-Tiering to automatically optimize storage costs for objects with unknown or changing access patterns. - The concept of right-sizing as the process of matching resource provisioning to actual workload demand. - When to correctly use Spot Instances for fault-tolerant workloads to achieve significant cost savings, and when to avoid them. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vEnWktOaYg97/5F0uMASyIi2_sYYSYq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vEnWktOaYg97/1784088129/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5F0uMASyIi2</video:player_loc>
      <video:duration>134</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-46-medicaid-eligibility-and-benefits</loc>
    <video:video>
      <video:title>Health Insurance 46, Medicaid Eligibility and Benefits</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Medicaid is a means-tested, joint federal-state program for low-income individuals, unlike the federally-run Medicare program. - How to use the mnemonic Medic-AID for financial aid to avoid common exam traps confusing Medicaid with Medicare. - That the enhanced Federal Medical Assistance Percentage (FMAP) for new expansion states is set to sunset in January 2026. - That by December 2026, states will be required to perform more frequent six-month eligibility redeterminations for many beneficiaries. - About the new 80-hour per month work requirements for able-bodied adults, starting in January 2027 under the OBBBA. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vOfmxv5rwwD7/yU0fMAmzJP2_KrVXxp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vOfmxv5rwwD7/1784088274/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yU0fMAmzJP2</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-27-property-condition-and-inspections</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 27, Property Condition and Inspections</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The buyers unrestricted right to terminate during the negotiated option period. - That an as-is provision does not waive the sellers legal duty to disclose known material defects. - That sellers are not obligated to agree to any repair requests from the buyer. - What happens if repair negotiations fail before the option period expires. - The sellers responsibility to maintain the propertys condition until the closing date. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sOf4xb8ysk1A/4U01gRmzIP2_godAMb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sOf4xb8ysk1A/1784088272/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4U01gRmzIP2</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-46-asset-allocation-strategies</loc>
    <video:video>
      <video:title>Series 65 46, Asset Allocation Strategies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Strategic allocation is a long-term, passive strategy based on a clients policy statement, while tactical allocation involves short-term, active deviations to exploit market opportunities. - A constant ratio plan rebalances a portfolio back to its target percentages when market movements cause the allocation to drift. - A constant dollar plan maintains a specific dollar amount in an asset class, rebalancing by selling when the value exceeds the target and buying when it falls below. - The 100 minus age rule is a simplified guideline for determining stock allocation that often appears on the exam but ignores individual client factors like risk tolerance. - A key exam distinction is the rebalancing trigger: constant ratio plans are triggered by percentage deviations, while constant dollar plans are triggered by a fixed dollar value. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/q_eGsv8aZg2Y/4ouLgQSiIP2_nJNwOU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/q_eGsv8aZg2Y/1784088264/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4ouLgQSiIP2</video:player_loc>
      <video:duration>167</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-41-medicare-part-b-medical-insurance</loc>
    <video:video>
      <video:title>Health Insurance 41, Medicare Part B Medical Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Medicare Part B provides coverage for medically necessary outpatient services, physician visits, and durable medical equipment. - The standard Part B monthly premium for 2026 is 202.90, with an annual deductible of 283. - After the annual deductible is met, Part B follows an 80/20 coinsurance model for most covered services. - Key exam-tested exclusions for Part B include routine dental, vision, hearing services, and long-term care. - Higher-income beneficiaries are subject to an Income-Related Monthly Adjustment Amount (IRMAA), resulting in a higher monthly premium. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qRemtv8y3o2X/4Uv0NATzIP2_tPtLWT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qRemtv8y3o2X/1784088265/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4Uv0NATzIP2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-29-closing-and-possession</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 29, Closing and Possession</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why possession is granted only upon closing and funding, a common exam trap. - The legal implications of the on or before closing date in Paragraph 9. - When to use the Sellers Temporary Residential Lease for post-closing occupancy. - How property taxes and other expenses are prorated between the buyer and seller in Texas. - What options are available if a party fails to close by the contracts specified date. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/t5f0gv54-ogt/r3CuhkT5cP2_GazUOI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/t5f0gv54-ogt/1784089552/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r3CuhkT5cP2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-50-capital-gains-tax-treatment</loc>
    <video:video>
      <video:title>Series 65 50, Capital Gains Tax Treatment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between short-term capital gains (taxed at ordinary income rates) and long-term capital gains (taxed at preferential rates). - The holding period for long-term capital gains is more than one year, and inherited securities are automatically treated as long-term. - The wash sale rule disallows a tax loss if the same or a substantially identical security is purchased within a 61-day window (30 days before or after the sale). - A disallowed wash sale loss is not lost forever its added to the cost basis of the new replacement shares. - The specific identification method for cost basis offers the most tax planning flexibility by allowing an investor to choose which shares to sell to minimize gains. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/u1jqtBGy3AKX/yh80MQSycy2_mJRKMT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/u1jqtBGy3AKX/1784089814/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yh80MQSycy2</video:player_loc>
      <video:duration>238</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-28-title-policy-and-survey-requirements</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 28, Title Policy and Survey Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The crucial distinction between a Title Commitment (a promise before closing) and a Title Policy (protection after closing). - Why payment for the owners title policy is always a negotiable item in the Texas sales contract, regardless of local customs. - The three survey options available to the buyer and seller in the contract and who is responsible for costs. - The process and timeline for a buyer to object in writing to title defects found in the commitment or survey. - What it means for a seller to cure a title defect and the buyers right to terminate if the issue is not resolved. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1YnWBDbrxAVt/yh8LMQnzcj2_CGITWP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1YnWBDbrxAVt/1784089812/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yh8LMQnzcj2</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-49-dollar-cost-averaging-and-systematic-investing</loc>
    <video:video>
      <video:title>Series 65 49, Dollar Cost Averaging and Systematic Investing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The mechanics of how Dollar Cost Averaging (DCA) leads to a lower average cost per share compared to the average share price. - Key differences and exam-tested scenarios for Dollar Cost Averaging versus lump-sum investing. - How systematic investing and automatic reinvestment plans are practical applications of DCA. - Common exam traps, such as the misconception that DCA guarantees a profit or eliminates losses. - The importance of investing a fixed dollar amount, not a fixed number of shares, for the strategy to be effective. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To differentiate passive bond strategies: laddering for steady cash flow, barbells for a yield/liquidity mix, and bullets for a specific future liability. - That immunization is a method to offset interest rate risk by matching a portfolios duration to an investors time horizon. - To identify the motives behind different bond swaps, such as substitution swaps for relative value and rate anticipation swaps for interest rate forecasting. - That a primary benefit of a laddered bond portfolio is the mitigation of reinvestment risk by staggering maturity dates. - How to match the correct fixed-income strategy, like a bullet portfolio or duration matching, to a clients specific financial goal, which is a common exam question. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Option Period is a buyers unilateral right to terminate a contract for any reason, unique to Texas real estate. - The Option Fee is a non-refundable payment to the seller in exchange for the right to terminate during the option period. - Earnest Money is a separate, good-faith deposit that is generally refundable if the buyer terminates correctly within the option period. - Strict adherence to the termination procedure is required: written notice must be delivered to the seller by the deadline. - A common exam trap involves confusing the non-refundable option fee with the potentially refundable earnest money. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core function of AWS Marketplace as a digital catalog for third-party software. - Key product types in the Marketplace, including AMIs, SaaS, and Containers. - The purpose of the AWS Partner Network (APN) as a program for companies that help customers on AWS. - The critical distinction between APN Technology Partners (ISVs) and APN Consulting Partners (professional services firms). - A simple mnemonic to differentiate between the Marketplace (products) and the Partner Network (people) for the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Medigap policies are standardized private plans (A-N) designed to supplement Original Medicare Parts A and B. - The six-month open enrollment period, which starts when an individual is 65 or older and enrolled in Part B, guarantees the right to buy any Medigap policy without medical underwriting. - It is illegal for an agent to sell a Medigap policy to a client they know is enrolled in a Medicare Advantage (Part C) plan. - Medigap policies sold after 2006 do not cover prescription drugs a separate Part D plan is necessary for that coverage. - Plans C and F, which cover the Part B deductible, are no longer available to individuals who became newly eligible for Medicare on or after January 1, 2020. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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    <video:video>
      <video:title>CASAS vs. TABE: A 2026 Guide to Adult Ed Scores &amp;amp; Test Differences</video:title>
      <video:description>Confused about CASAS and TABE? This video breaks down the key differences between these two major adult education assessments for 2026. Learn why your program chose one over the other, how to interpret your score using NRS levels (and why you cant compare them directly), and which test has an edge for ESL learners vs. students aiming for the GED or HiSET. We cover: - Functional Skills (CASAS) vs. Academic Skills (TABE) - What NRS Educational Functioning Levels (EFLs) mean - CASAS Listening for ESL - TABEs connection to GED and HiSET readiness Read the full guide with score charts and official links: https://open-exam-prep.com/blog/casas-vs-tabe-2026 Find practice questions: CASAS Practice: https://open-exam-prep.com/practice/casas TABE Practice: https://open-exam-prep.com/practice/tabe Timestamps: 0:00 - Introduction 0:07 - Scene 1 0:37 - Scene 2 1:10 - Scene 3 1:38 - Scene 4 2:11 - Scene 5 2:41 - Scene 6 3:10 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CASAS Test Prep Secrets Study Guide: Exam Review and Practice Questions for the Reading, Math, and Listening Assessments: https://www.amazon.com/dp/1516719409?tag=openexamprep-20 - CASAS Test Prep Study Guide 2025-2026: Reading, Math, Listening &amp;amp; Writing Prep with Practice Tests and Answer Explanations (20252026, Unofficial): https://www.amazon.com/dp/B0FNKP4S5F?tag=openexamprep-20 - TABE Secrets Study Guide: TABE Exam Review for the Test of Adult Basic Education: https://www.amazon.com/dp/1610728858?tag=openexamprep-20</video:description>
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      <video:content_loc>https://streaming.open.video/contents/h8uYtnKR3KTX/1785454804/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=v_u8o6mOl52</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-63-configuration-management-ansible-puppet-chef</loc>
    <video:video>
      <video:title>CCNA Exam Prep 63, Configuration Management Ansible, Puppet, Chef</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Ansible is agentless and uses a push model, making it ideal for network devices where agents cannot be installed. - Puppet and Chef are primarily agent-based and use a pull model, where nodes check in with a master server for configuration. - The CCNA exam tests your ability to select the correct tool based on scenario requirements, primarily agent-based versus agentless. - Key terminology to match: Ansible uses YAML Playbooks, Puppet uses Manifests, and Chef uses Recipes and Cookbooks. - Idempotence is a core concept ensuring operations result in the same system state, preventing unintended changes on subsequent runs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/GOyQxneY2SoX/vF0CU6S5l52_ShKfsR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/GOyQxneY2SoX/1785454801/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vF0CU6S5l52</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-64-json-yaml-xml-data-encoding</loc>
    <video:video>
      <video:title>CCNA Exam Prep 64, JSON, YAML, XML Data Encoding</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - JSON uses curly braces for objects and key-value pairs with double-quoted keys. - YAML is a human-readable format that uses indentation and dashes to structure data, common in Ansible. - XML is a verbose format using opening and closing angle-bracket tags to create a data tree. - The CCNA exam tests your ability to identify these formats and recognize common syntax errors, like incorrect indentation in YAML or improper quotes in JSON. - REST APIs typically use JSON for data exchange, while network automation tools often rely on YAML for configuration files. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/b5n-ADeRZ01s/1_vDpkmOQ52_FCkMIL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/b5n-ADeRZ01s/1785454931/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1_vDpkmOQ52</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-62-rest-apis-methods-status-codes-json</loc>
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      <video:title>CCNA Exam Prep 62, REST APIs Methods, Status Codes, JSON</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - REST APIs use standard HTTP methods like GET (read), POST (create), PUT (replace), PATCH (partially update), and DELETE to manage network resources. - A critical exam trap is the difference between PUT, which replaces an entire resource, and PATCH, which performs a more efficient partial update. - HTTP status codes signal the outcome of an API request, such as 200 for success, 201 for resource creation, 401 for authentication failure, and 404 for a resource not found. - REST APIs are stateless, meaning every request must contain all necessary information, including an authentication token in the header. - Data payloads in modern network automation are typically formatted in JSON, a lightweight, human-readable key-value pair format. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rne-svmRw4mB/4cXWd3fbca2_HINWAV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rne-svmRw4mB/1785461286/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4cXWd3fbca2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-61-traditional-vs-controller-based-architectures</loc>
    <video:video>
      <video:title>CCNA Exam Prep 61, Traditional vs Controller-Based Architectures</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key differences between a distributed control plane in traditional networks and a centralized control plane in controller-based architectures. - How southbound APIs (e.g., NETCONF) are used for controller-to-device communication versus how northbound APIs (e.g., REST APIs) are used for controller-to-application communication. - The distinction between the physical underlay network and the virtual overlay network (e.g., VXLAN). - Common CCNA exam traps, such as the continued distribution of the data plane in SDN and the specific roles of Cisco DNA Center versus vManage. - A simple mnemonic to remember the direction and purpose of northbound and southbound APIs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tja6chPJsKms/ysXaJ3Lrda2_FziRuJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tja6chPJsKms/1785461285/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ysXaJ3Lrda2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-60-network-automation-why-and-impact</loc>
    <video:video>
      <video:title>CCNA Exam Prep 60, Network Automation Why and Impact</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why manual network configuration is inefficient and prone to errors at scale. - How automation ensures consistency and enables repeatable workflows for network tasks. - The role of automation as the foundation for modern architectures like SD-WAN and SD-Access. - How the CCNA exam tests automation conceptually through scenario-based questions. - The importance of detecting and remediating configuration drift to maintain network integrity. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/xoyQBhPZs8S6/1785461284/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4sXrJNfrcq2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-59-acl-placement-and-numbered-vs-named</loc>
    <video:video>
      <video:title>CCNA Exam Prep 59, ACL Placement and Numbered vs Named</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Standard ACLs should be placed as close to the destination as possible, while extended ACLs should be placed as close to the source as possible. - Named ACLs are superior to numbered ACLs because they allow editing of individual lines via sequence numbers and have descriptive names. - Applying an ACL inbound is generally more efficient for a routers CPU as it filters packets before the routing process. - The ip access-group name inout command is used to apply an ACL to a specific interface and direction. - Use the show access-lists command to verify ACL configuration and see hit counters for each rule. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rnqIpxDYx4Ky/yYWGcweHdb2_xQPtNA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rnqIpxDYx4Ky/1785461303/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yYWGcweHdb2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-58-acl-standard-vs-extended</loc>
    <video:video>
      <video:title>CCNA Exam Prep 58, ACL Standard vs Extended</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental difference between Standard ACLs (source IP only) and Extended ACLs (source/destination IP, protocol, and port). - How to identify ACL types on the CCNA exam by their number ranges (1-99 for Standard, 100-199 for Extended). - The critical placement rules: apply Standard ACLs close to the destination and Extended ACLs close to the source. - How the implicit deny rule acts as a catch-all to block any traffic not explicitly permitted, a common exam trap. - A simple mnemonic to help remember the correct placement strategy for both Standard and Extended ACLs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wnuslvOR3OK5/ysWac3LXca2_kOwnUe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wnuslvOR3OK5/1785461304/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ysWac3LXca2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-57-wireless-security-wpa2-wpa3-owe</loc>
    <video:video>
      <video:title>CCNA Exam Prep 57, Wireless Security WPA2, WPA3, OWE</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - WPA2-Personal uses a single Pre-Shared Key (PSK), while WPA2-Enterprise uses 802.1X and a RADIUS server for per-user authentication. - WPA3 replaces the vulnerable PSK with Simultaneous Authentication of Equals (SAE), which protects against offline dictionary attacks. - WPA3 introduces perfect forward secrecy, which prevents a compromised session key from being used to decrypt past data captures. - Opportunistic Wireless Encryption (OWE) provides automatic, unauthenticated encryption for open Wi-Fi networks to prevent passive eavesdropping. - WPA3 security is a mandatory requirement for any device to be officially certified for Wi-Fi 6. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/34yYhvP7x0gs/yZrqdxLqdr2_lxrsCd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/34yYhvP7x0gs/1785461487/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yZrqdxLqdr2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-56-remote-access-vpn-ssl-vpn-and-anyconnect</loc>
    <video:video>
      <video:title>CCNA Exam Prep 56, Remote Access VPN SSL VPN and AnyConnect</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core difference between a per-user Remote Access VPN and a network-to-network Site-to-Site VPN. - How SSL VPNs leverage TLS over TCP port 443 to provide secure access that easily traverses firewalls. - To distinguish between full-access client-based VPNs like Cisco AnyConnect and limited-access clientless (browser-based) VPNs. - The security and performance trade-offs between split tunneling and full tunneling configurations. - Why Multi-Factor Authentication (MFA) is a critical security component for any modern remote access VPN solution. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1uqIxne6YKCZ/q7rWcxKrdH2_QTujKI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1uqIxne6YKCZ/1785462955/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q7rWcxKrdH2</video:player_loc>
      <video:duration>156</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-55-site-to-site-vpn-and-ipsec-overview</loc>
    <video:video>
      <video:title>CCNA Exam Prep 55, Site-to-Site VPN and IPsec Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three core security services IPsec provides: confidentiality, integrity, and authentication. - The distinct purposes of IKE Phase 1 (the management tunnel) and IKE Phase 2 (the data tunnel). - The critical difference between Tunnel Mode, which encrypts the entire original packet for site-to-site VPNs, and Transport Mode, which only encrypts the payload. - How to choose between ESP (which provides encryption and integrity) and AH (which provides only integrity). - Common CCNA exam traps, such as mismatched IKE Phase 1 parameters (HAGLE) that prevent a VPN tunnel from being established. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xtrIFBWRtKos/W7qac3KHcX2_eobemb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xtrIFBWRtKos/1785462956/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W7qac3KHcX2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-54-dhcp-snooping-and-dynamic-arp-inspection</loc>
    <video:video>
      <video:title>CCNA Exam Prep 54, DHCP Snooping and Dynamic ARP Inspection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - DHCP snooping distinguishes between trusted uplink ports and untrusted host-facing ports to block rogue DHCP servers. - The primary function of DHCP snooping is to build a binding database of MAC addresses, IP addresses, and port assignments from legitimate DHCP transactions. - Dynamic ARP Inspection (DAI) uses the DHCP snooping binding database to validate ARP packets and prevent ARP spoofing man-in-the-middle attacks. - A common CCNA exam trap involves a misconfiguration where the uplink port to the legitimate DHCP server is not explicitly set as trusted. - Configuration requires enabling both features globally and then applying them to specific VLANs using the ip dhcp snooping vlan and ip arp inspection vlan commands. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3yioArGjBUGY/X7zyINeWcX2_kblPGF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3yioArGjBUGY/1785475845/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X7zyINeWcX2</video:player_loc>
      <video:duration>191</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-68-family-child-care-specifics-mixed-age-business-home-as-classroom</loc>
    <video:video>
      <video:title>CDA Exam Prep 68, Family Child Care Specifics Mixed-Age, Business, Home-as-Classroom</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to frame mixed-age groups as a learning asset on the CDA exam. - The importance of professional business practices, including contracts and licensing, as tested in Competency Standard V. - Strategies for transforming a home into an intentional and safe learning environment, aligning with Competency Standard I. - Common exam traps related to FCC settings, such as misinterpreting the role of older children or the ideal home environment. - The MAP mnemonic (Mixed-Ages, Administration, Place) to recall the core components of Family Child Care. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1lD-wrGy_27B/4QyidMfXcb2_RJizDZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1lD-wrGy_27B/1785475975/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4QyidMfXcb2</video:player_loc>
      <video:duration>249</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-67-preschool-setting-specifics-project-work-and-kindergarten-readiness</loc>
    <video:video>
      <video:title>CDA Exam Prep 67, Preschool Setting Specifics Project Work and Kindergarten Readiness</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the CDA exam defines kindergarten readiness holistically, beyond just academics. - To use the Project Approach to facilitate deep, child-led investigations that meet multiple CDA Competency Standards. - Why integrating state standards must always be play-based and contextually meaningful. - The importance of longer, uninterrupted work-time blocks for developing a preschoolers attention and persistence. - Effective strategies for coaching children in social skills and supporting the development of peer friendships. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qBrgdhfz6Mzz/4k4jcMeHdb2_dzEmHy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qBrgdhfz6Mzz/1785475974/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4k4jcMeHdb2</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-53-layer-2-security-port-security</loc>
    <video:video>
      <video:title>CCNA Exam Prep 53, Layer 2 Security Port Security</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How port security restricts port access by limiting the number and identity of allowed MAC addresses. - The function of sticky MAC learning, which dynamically learns addresses and saves them to the running configuration. - The three violation modes: protect (silent drop), restrict (drop and alert), and shutdown (disable the port). - How to use the show port-security interface command to verify status and troubleshoot violations. - The manual (shutdown/no shutdown) and automatic (errdisable recovery) methods to restore a port from an err-disabled state. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3fC-ovXPsUs6/zQyzJgLbdr2_rglmnt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3fC-ovXPsUs6/1785476220/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zQyzJgLbdr2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-52-aaa-radius-vs-tacacs</loc>
    <video:video>
      <video:title>CCNA Exam Prep 52, AAA RADIUS vs TACACS+</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The difference between connection-oriented TCP for TACACS+ (port 49) versus connectionless UDP for RADIUS (ports 1812/1813). - Why TACACS+ is more secure, as it encrypts the entire packet payload, while RADIUS only encrypts the user password. - How TACACS+ provides more granular control by separating authentication, authorization, and accounting, unlike RADIUS which combines authentication and authorization. - How to identify the correct protocol in an exam scenario based on keywords like multi-vendor (RADIUS) or command-level authorization (TACACS+). - The significance of TACACS+ being a Cisco-proprietary protocol versus RADIUS being an open IETF standard. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3xeIcrHOsMWY/zQz4cgfadb2_iDeyGn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3xeIcrHOsMWY/1785476241/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zQz4cgfadb2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-66-infant-toddler-setting-specifics-primary-caregiving-and-sids-prevention</loc>
    <video:video>
      <video:title>CDA Exam Prep 66, Infant-Toddler Setting Specifics Primary Caregiving and SIDS Prevention</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The primary caregiving model involves one designated caregiver for a small group of infants to foster secure attachments. - Continuity of care, where a caregiver remains with children for up to three years, is the preferred model to support long-term, trusting relationships. - The ABCs of Safe SleepAlone, on their Back, in a Cribis a critical, non-negotiable practice to prevent SIDS. - Exam questions will present scenarios testing your ability to uphold safe sleep policies despite pressures from parents or perceived efficiency. - Responsive feeding requires following an infants hunger and fullness cues, never propping bottles, and using feeding times to strengthen caregiver-child bonds. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tvDYxd8q-UO4/WIraQNKbIH2_NRZBov.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tvDYxd8q-UO4/1785477570/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WIraQNKbIH2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-65-verification-visit-walkthrough-observation-portfolio-reflective-dialogue</loc>
    <video:video>
      <video:title>CDA Exam Prep 65, Verification Visit Walkthrough Observation, Portfolio, Reflective Dialogue</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Verification Visit consists of three key parts: a two-hour Observation, a Portfolio Review, and a one-hour Reflective Dialogue. - During the Observation, your Professional Development Specialist is looking for evidence of the CDA Competency Standards in your natural teaching practice. - Your Professional Portfolio serves as tangible proof of your competence, containing your Reflective Statements, Resource Collection, and Family Questionnaires. - The Reflective Dialogue is your chance to connect your practice (from the observation) with your documentation (in the portfolio) through open-ended questions. - A key to success is remembering the mnemonic: Observe my skills, Peruse my proof, Reflect on my practice, to understand the flow of the visit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uvrggfniAYdY/qIXblMebIH2_piiyKq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uvrggfniAYdY/1785477569/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qIXblMebIH2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-49-ssh-vs-telnet-tftp-and-ftp</loc>
    <video:video>
      <video:title>CCNA Exam Prep 49, SSH vs Telnet, TFTP and FTP</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Telnet sends all data, including usernames and passwords, in cleartext over TCP port 23, making it highly insecure. - SSH provides a secure, encrypted channel for remote management over TCP port 22 and requires a hostname, domain name, and RSA keys to be configured on a Cisco device. - TFTP uses UDP port 69, is connectionless, and lacks authentication, making it a simple but insecure choice for file transfers on trusted local networks. - FTP is a more robust, connection-oriented protocol using TCP ports 20 (data) and 21 (control) that requires authentication, but still transmits credentials in cleartext. - For secure file transfers on a Cisco device, the exam expects you to know SCP (Secure Copy Protocol), which leverages the encryption of an established SSH session. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/XWzEAxzaA6QW/Wdrrk3eXIW2_fAmjFP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/XWzEAxzaA6QW/1785477651/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Wdrrk3eXIW2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-63-the-6-reflective-statements-of-competence-structure-and-length</loc>
    <video:video>
      <video:title>CDA Exam Prep 63, The 6 Reflective Statements of Competence Structure and Length</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The required word count for each of the six Reflective Statements of Competence. - A three-part structural formula for writing each statement effectively. - How to use specific, concrete examples instead of vague generalizations. - The importance of connecting your written statements to items in your Resource Collection. - A simple mnemonic, Goal, Give, Grow, to remember the key components of a strong statement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wDiYxxTbwMGX/qZXXkMLHJW2_AhVaiM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wDiYxxTbwMGX/1785477794/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qZXXkMLHJW2</video:player_loc>
      <video:duration>187</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-48-snmp-and-syslog-severity-levels</loc>
    <video:video>
      <video:title>CCNA Exam Prep 48, SNMP and Syslog Severity Levels</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical security differences between SNMPv2cs plaintext community strings and SNMPv3s secure authPriv level. - Why SNMPv2c is considered a major security risk and how this is tested on the CCNA exam. - The correct order and meaning of the eight Syslog severity levels, from 0 (Emergency) to 7 (Debug). - How the logging trap command filters messages and the common exam trap associated with it. - A mnemonic to easily memorize the Syslog severity levels for quick recall during the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tFmIxfCz3-GZ/XsWGlhKqdX2_trHgWT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tFmIxfCz3-GZ/1785477805/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XsWGlhKqdX2</video:player_loc>
      <video:duration>166</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-50-security-concepts-threat-vulnerability-exploit</loc>
    <video:video>
      <video:title>CCNA Exam Prep 50, Security Concepts Threat, Vulnerability, Exploit</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical differences between a threat (the actor), a vulnerability (the weakness), and an exploit (the tool). - How mitigation techniques are specific controls used to reduce risk by addressing vulnerabilities. - How to apply the CIA Triad (Confidentiality, Integrity, Availability) to assess the impact of security incidents. - The concept of Defense in Depth as a layered security strategy with multiple controls. - How to dissect CCNA scenario questions that test your ability to distinguish these core security concepts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Wjy-griz3-i7/rYqHlhfadG2_TXvTii.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Wjy-griz3-i7/1785477789/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rYqHlhfadG2</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-64-cda-exam-test-taking-strategy-scenarios-time-scaled-scoring</loc>
    <video:video>
      <video:title>CDA Exam Prep 64, CDA Exam Test-Taking Strategy Scenarios, Time, Scaled Scoring</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The CDA exam consists of 65 scenario-based multiple-choice questions with a 105-minute time limit. - Success depends on choosing the best, most developmentally appropriate answer, not just a factually correct one. - Master time management by allocating roughly 90 seconds per question and using the flag feature for difficult items. - A common exam trap is choosing a punitive or overly directive answer instead of one that guides child-led problem-solving. - The exam uses a scaled scoring system where a score of 70 is the target for passing, which accounts for variations in exam difficulty. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ulqAdfyyYIQs/rYWXl2LqcH2_dDDWsx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ulqAdfyyYIQs/1785477802/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rYWXl2LqcH2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-62-the-resource-collection-all-17-items-walked-through</loc>
    <video:video>
      <video:title>CDA Exam Prep 62, The Resource Collection All 17 Items Walked Through</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The purpose of the CDA Resource Collection as an assessment tool for the PDS verification visit. - How to correctly prepare the nine learning experiences by aligning each with a specific CDA Subject Area. - Common traps to avoid, such as failing to annotate web resources or merely printing regulations instead of summarizing them. - The critical importance of professional organization, including labeling and tabbing every one of the seventeen items. - A mnemonic (My Family Learns And Regulates) to remember the five most substantial Resource Collection items. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wjagsbjbZQPz/rcXWk3eGdW2_buVNdN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wjagsbjbZQPz/1785477796/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rcXWk3eGdW2</video:player_loc>
      <video:duration>214</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-51-password-policies-and-local-authentication</loc>
    <video:video>
      <video:title>CCNA Exam Prep 51, Password Policies and Local Authentication</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The enable secret command provides strong MD5-hashed protection and always overrides the weaker enable password command. - service password-encryption is a weak, reversible encryption meant only to obscure plaintext passwords from casual observation. - Local user accounts must be created with the username name secret password command to ensure they are securely hashed. - You can enforce a global minimum password length on a Cisco router using the security passwords min-length command. - A common CCNA exam trap is confusing the weak obfuscation of service password-encryption with the strong hashing provided by the secret keyword. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xxv-EBaiYQH7/XBXqlxKaJa2_XdmtFw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xxv-EBaiYQH7/1785479464/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XBXqlxKaJa2</video:player_loc>
      <video:duration>152</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-61-the-cda-professional-philosophy-statement-what-reviewers-look-for</loc>
    <video:video>
      <video:title>CDA Exam Prep 61, The CDA Professional Philosophy Statement What Reviewers Look For</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That your philosophy statement must be a 1-2 page, first-person narrative connecting your beliefs to specific classroom examples. - Why you must avoid generic statements and focus on authentic reflections from your personal practice. - How to properly connect your teaching methods to a major child development theorist like Piaget or Vygotsky. - That your statement is reviewed for clear alignment with the six core CDA Competency Standards. - A simple mnemonic, P-A-T (Personal, Actionable, Theory-linked), to help structure and evaluate your statement before submission. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xYfMkjva2QdB/X7rbRgfqJa2_iCXxSw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xYfMkjva2QdB/1785479586/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X7rbRgfqJa2</video:player_loc>
      <video:duration>173</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-46-nat-static-dynamic-pat-overload</loc>
    <video:video>
      <video:title>CCNA Exam Prep 46, NAT Static, Dynamic, PAT (Overload)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Static NAT creates a permanent one-to-one mapping, ideal for hosting internal servers like web or email servers. - Dynamic NAT maps private IPs to a pool of public IPs, but connections fail if the public IP pool is exhausted. - PAT (Port Address Translation), or NAT Overload, allows many internal devices to share a single public IP address by using unique port numbers to track sessions. - Understand the four NAT address types: Inside Local (private source), Inside Global (public source), Outside Global (public destination), and Outside Local (destination as seen by the internal network). - Use the show ip nat translations command to view active NAT mappings and troubleshoot connectivity issues on the CCNA exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1tmUAz0a7MQt/q7WGRwfWcG2_vDJozl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1tmUAz0a7MQt/1785479718/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q7WGRwfWcG2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-60-ongoing-professional-development-career-lattice-and-advocacy</loc>
    <video:video>
      <video:title>CDA Exam Prep 60, Ongoing Professional Development Career Lattice and Advocacy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The crucial difference between a career ladder and a career lattice in early childhood education. - Specific CDA credential renewal requirements, including the 45 clock hours of training needed every three years. - The roles of key professional organizations like NAEYC and NAFCC in your ongoing development. - Practical, exam-focused examples of what professional advocacy looks like for an ECE professional. - How to identify common exam traps related to scenarios involving career paths and professional responsibilities. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1en6xz1b7-Qt/qBqqkxLHcX2_ROyqYM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1en6xz1b7-Qt/1785479749/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qBqqkxLHcX2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-45-dns-recursive-vs-iterative-records</loc>
    <video:video>
      <video:title>CCNA Exam Prep 45, DNS Recursive vs Iterative, Records</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between a recursive DNS query (client to resolver) and an iterative query (resolver to other DNS servers). - The primary functions of key DNS records for the CCNA exam: A (IPv4), AAAA (IPv6), CNAME (Alias), MX (Mail), and PTR (Reverse Lookup). - The step-by-step hierarchical DNS lookup process, from root servers to TLD servers to the final authoritative name server. - How DNS caching and Time-to-Live (TTL) values impact network performance and troubleshooting scenarios. - Common CCNA exam traps, such as confusing the roles of different record types or misunderstanding the query process. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0dmYlnvr_UaZ/qlWrkgfXdH2_tbSIbK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0dmYlnvr_UaZ/1785479719/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qlWrkgfXdH2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-47-ntp-stratum-levels-and-configuration</loc>
    <video:video>
      <video:title>CCNA Exam Prep 47, NTP Stratum Levels and Configuration</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The meaning of NTP stratum levels, where a lower number signifies a more authoritative time source. - How to interpret the output of show ntp status to identify a routers stratum and synchronization peer. - The critical difference between the ntp server command (client mode) and the ntp master command (local authoritative source). - Why a stratum level of 16 indicates that a device is unsynchronized and cannot provide valid time. - How to configure basic NTP authentication to ensure time updates are from a trusted source. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3uvEsFWaAQaz/qlWbkwLHdG2_FCzprf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3uvEsFWaAQaz/1785479733/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qlWbkwLHdG2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-59-mandated-reporting-recognizing-abuse-procedures-immunity</loc>
    <video:video>
      <video:title>CDA Exam Prep 59, Mandated Reporting Recognizing Abuse, Procedures, Immunity</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That all ECE professionals are mandated reporters, a key concept under CDA Competency Goal 1. - The legal standard for reporting is reasonable suspicion, not proof your role is to report, not to investigate. - Key indicators of abuse and neglect include unexplained injuries, sudden behavioral shifts, and poor hygiene. - The correct procedure is to document objective facts and report directly to your states child protective services hotline. - That mandated reporters are granted legal immunity from civil or criminal liability for any report made in good faith. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2lu2ln0a3IQ4/X6rblwerdX2_iYaGXL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2lu2ln0a3IQ4/1785479993/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X6rblwerdX2</video:player_loc>
      <video:duration>175</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-43-ipv6-routing-static-and-ospfv3-basics</loc>
    <video:video>
      <video:title>CCNA Exam Prep 43, IPv6 Routing Static and OSPFv3 Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The ipv6 unicast-routing global command is mandatory for a router to forward IPv6 packets. - An IPv6 static route is configured using the ipv6 route prefix next-hop command structure. - OSPFv3 is enabled on a per-interface basis, which is a key difference from OSPFv2s network command. - OSPFv3 for IPv6 still requires a unique 32-bit router ID, typically configured manually. - Common CCNA exam traps involve forgetting to enable unicast routing or confusing OSPFv2 and OSPFv3 configuration commands. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tbfYAFjt_IdB/X65XkUeHJq2_vGnlYp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tbfYAFjt_IdB/1785517129/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X65XkUeHJq2</video:player_loc>
      <video:duration>167</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-57-confidentiality-and-ferpa-basics</loc>
    <video:video>
      <video:title>CDA Exam Prep 57, Confidentiality and FERPA Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That confidentiality is a key part of CDA Competency Standard Six, focusing on professionalism. - How FERPA applies to early childhood centers that receive federal funding and protects a familys right to privacy. - To apply the Need to Know principle to avoid accidentally breaching confidentiality in casual conversations. - That your legal duty as a mandated reporter to report suspected child abuse or neglect overrides patient confidentiality. - The importance of securing explicit, written consent from parents before using any photos or videos of children. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sGvYtpmAA-ay/rkzHkVKXJa2_NUnoUt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sGvYtpmAA-ay/1785517262/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rkzHkVKXJa2</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-42-default-gateway-and-routing-loop-prevention</loc>
    <video:video>
      <video:title>CCNA Exam Prep 42, Default Gateway and Routing Loop Prevention</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A host uses its default gateway only when the destination IP address is on a different subnet. - The IP headers Time-to-Live (TTL) field is a last-resort mechanism that prevents packets from looping infinitely. - Split Horizon is a loop prevention rule where a router avoids advertising a route back to the neighbor from which it was learned. - Poison Reverse actively prevents loops by advertising a failed route with an infinite metric back to the source router. - An ICMP redirect message is sent by a router to inform a host on the same subnet of a more optimal first-hop router for a specific destination. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sKvoAzmA_IHs/r7yGQ_eqdb2_pTFhqp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sKvoAzmA_IHs/1785517261/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r7yGQ_eqdb2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-44-dhcp-server-client-relay-ip-helper</loc>
    <video:video>
      <video:title>CCNA Exam Prep 44, DHCP Server, Client, Relay (IP Helper)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four steps of the DHCP DORA process: Discover, Offer, Request, and Acknowledge. - How clients receive essential network settings like the default gateway and DNS servers via DHCP options. - The role of a DHCP relay agent when clients and servers are on different subnets. - The specific Cisco IOS command, ip helper-address, used to configure a DHCP relay. - A common exam trap involving the correct placement of the ip helper-address command on a router interface. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZByAxDSAZUOr/WA5blFfHdG2_JQfJBZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZByAxDSAZUOr/1785517388/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WA5blFfHdG2</video:player_loc>
      <video:duration>164</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-58-naeyc-code-of-ethical-conduct-core-values-and-sections</loc>
    <video:video>
      <video:title>CDA Exam Prep 58, NAEYC Code of Ethical Conduct Core Values and Sections</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core values that form the foundation of the NAEYC Code of Ethical Conduct. - The four sections of the code, outlining responsibilities to children, families, colleagues, and society. - The critical difference between aspirational Ideals and mandatory Principles to avoid common exam traps. - How to apply the codes framework to solve realistic, scenario-based exam questions. - A mnemonic, Can Families Collaborate Socially?, to remember the order of priority in your ethical responsibilities. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rDagoFTsZ2jr/qA5rloLXcG2_LoXudM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rDagoFTsZ2jr/1785517390/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qA5rloLXcG2</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-56-using-assessment-data-individualizing-and-referrals</loc>
    <video:video>
      <video:title>CDA Exam Prep 56, Using Assessment Data Individualizing and Referrals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to use assessment data to individualize daily plans and set goals for children. - The critical first step after noticing a developmental concern is to increase targeted observation and documentation. - Why partnering with families to discuss observations is a mandatory step before any referral. - Your professional role is to observe and refer, not to diagnose a child with a specific delay or disability. - Key referral pathways like Child Find and IDEA Parts C &amp;amp; B are the appropriate next steps for formal screening. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qFe-xFilZYjZ/qk5bRULaJG2_LtsxtT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qFe-xFilZYjZ/1785517403/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qk5bRULaJG2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-55-authentic-assessment-tools-teaching-strategies-gold-asq</loc>
    <video:video>
      <video:title>CDA Exam Prep 55, Authentic Assessment Tools Teaching Strategies GOLD, ASQ</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - What authentic assessment means in the context of the CDA and how its about observing children in natural settings. - The function of Teaching Strategies GOLD as a comprehensive, ongoing assessment system with 38 objectives for tracking development. - The purpose of the Ages and Stages Questionnaire (ASQ-3) as a developmental screening tool, not a full assessment, often completed by parents. - The critical difference between screening (ASQ-3) and assessment (Teaching Strategies GOLD) and how to identify the correct tool in an exam scenario. - A mnemonic to distinguish the tools: GOLD is for the GOAL of Ongoing Learning Documentation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fgiosfWB7I8B/XZrORFeadq2_xxHkie.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fgiosfWB7I8B/1785519396/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XZrORFeadq2</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-26-quality-practice-definitions-and-audit-trail</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 26, Quality Practice Definitions and Audit Trail</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Quality in PRINCE2 is defined as the degree to which an output fulfills its specified requirements. - The Quality Management Approach is the projects master document outlining all quality standards, procedures, and responsibilities. - A quality audit trail provides evidence of quality activities through Product Descriptions, the Quality Register, and quality records. - A common exam trap is confusing Quality Assurance (an independent check of quality processes) with Quality Control (the project teams testing of the actual product). - The Quality Register acts as a comprehensive diary for all planned and completed quality checks and their results. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ewmowfWsEI34/rdrzkpeada2_Hhmbes.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ewmowfWsEI34/1785519391/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rdrzkpeada2</video:player_loc>
      <video:duration>169</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-41-vrrp-and-glbp-vs-hsrp</loc>
    <video:video>
      <video:title>CCNA Exam Prep 41, VRRP and GLBP vs HSRP</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core difference between redundancy (HSRP/VRRP) and true load balancing (GLBP). - How to identify the Cisco proprietary protocols (HSRP, GLBP) versus the open standard (VRRP). - The specific roles in each protocol: Active/Standby (HSRP), Master/Backup (VRRP), and AVG/AVF (GLBP). - Why GLBPs use of an Active Virtual Gateway to assign virtual MACs enables load sharing. - Common exam scenarios, such as choosing the right protocol for a multi-vendor network. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/d1DspvqdAMg5/Wcq5RpKrcW2_SYnSxV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/d1DspvqdAMg5/1785519461/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Wcq5RpKrcW2</video:player_loc>
      <video:duration>240</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-40-hsrp-configuration-and-verification</loc>
    <video:video>
      <video:title>CCNA Exam Prep 40, HSRP Configuration and Verification</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to configure essential HSRP commands like virtual IP, priority, and preemption. - The critical role of the standby preempt command in ensuring the highest priority router becomes active. - Using standby track to link HSRP failover to the status of an upstream interface, preventing traffic black holes. - How to interpret the output of show standby brief to quickly verify HSRP state and identify the active router. - Key exam facts like the default priority of 100 and the HSRPv1 multicast address of 224.0.0.2. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/f1bMhres7-mW/Wsr4l-ebdG2_VjudUE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/f1bMhres7-mW/1785519458/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Wsr4l-ebdG2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-54-observation-and-assessment-methods-anecdotal-records-and-running-records</loc>
    <video:video>
      <video:title>CDA Exam Prep 54, Observation and Assessment Methods Anecdotal Records and Running Records</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between a subjective interpretation and an objective observation for the CDA exam. - How to identify exam-style questions that test your knowledge of anecdotal versus running records. - The specific purpose of a running record (a detailed transcript) versus an anecdotal record (a brief snapshot). - To distinguish these methods from other tools like frequency counts, checklists, and time samples. - A simple mnemonic to remember the core difference: Anecdotal is for a moment, Running is for the long run. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gInwExjY7UoY/4Qq4QVKbIW2_tyHVLY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gInwExjY7UoY/1785522785/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4Qq4QVKbIW2</video:player_loc>
      <video:duration>214</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-50-foundation-exam-strategy-and-question-patterns</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 50, Foundation Exam Strategy and Question Patterns</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The PRINCE2 Foundation exam consists of 60 multiple-choice questions to be answered in 60 minutes. - A passing score of 60%, or 36 correct answers, is required to achieve certification. - How to use the Flag, Finish, Fill strategy to manage your time effectively and ensure every question is answered. - To identify and approach different question styles, including list-based, missing word, and negative questions. - The most common exam trap is confusing the seven principles, seven themes, and seven processes. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/K2fEtbDRE2Uz/yAqzk-eqIH2_vjXpIz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/K2fEtbDRE2Uz/1785522779/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yAqzk-eqIH2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-39-first-hop-redundancy-hsrp-states-and-roles</loc>
    <video:video>
      <video:title>CCNA Exam Prep 39, First Hop Redundancy HSRP States and Roles</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - HSRP elects an Active router based on the highest priority value (0-255), with a default of 100. - Preemption is a critical feature that is disabled by default without it, a higher-priority router will not reclaim the Active role upon recovery. - HSRP routers transition through states including Listen, Speak, Standby, and Active during the election process. - Interface tracking allows HSRP to decrease a routers priority if a non-HSRP interface fails, triggering a failover. - Default HSRP timers are 3 seconds for hello messages and 10 seconds for the hold-down timer. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gMjQBx4J7QLY/4QWzQ_KbIW2_jPGEiI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gMjQBx4J7QLY/1785522773/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4QWzQ_KbIW2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-53-curriculum-planning-emergent-vs-thematic</loc>
    <video:video>
      <video:title>CDA Exam Prep 53, Curriculum Planning Emergent vs Thematic</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core difference between a child-led emergent curriculum and a pre-planned thematic curriculum. - How to apply a balanced approach that combines a planned framework with the flexibility to follow childrens interests. - What CDA assessors look for in lesson plans, including intentions, materials, individualization, and family connections. - Common exam traps, such as the false idea that you must choose strictly between emergent or thematic planning. - A simple mnemonic to retain the key distinction: Emergent is inside-out Thematic is outside-in. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/N2fIhxzQ-Ygy/4QXOQ-ebIG2_ePLtWD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/N2fIhxzQ-Ygy/1785522780/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4QXOQ-ebIG2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-49-tailoring-prince2-for-agile-environments</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 49, Tailoring PRINCE2 for Agile Environments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How PRINCE2 provides governance and control while Agile drives iterative product delivery. - That tailoring means adapting PRINCE2 processes, like Manage by Stages, to align with agile cadences such as sprints and releases, not eliminating them. - Why PRINCE2 roles like the Project Manager and Project Board remain accountable, even when empowering self-organizing agile teams. - How management products like the Business Case are adapted to be more dynamic and frequently reviewed in an agile context. - That the core principle of tailoring is about adjusting the formality and detail of PRINCE2, not abandoning its structure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fMb-ot96BIVt/ykryQVKqJX2_fBdGWd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fMb-ot96BIVt/1785522788/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ykryQVKqJX2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-38-ospf-cost-calculation-and-path-selection</loc>
    <video:video>
      <video:title>CCNA Exam Prep 38, OSPF Cost Calculation and Path Selection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The OSPF cost formula is Reference Bandwidth divided by Interface Bandwidth, with lower cumulative costs being preferred. - The default reference bandwidth of 100 Mbps creates a common exam trap, causing links faster than 100 Mbps to have an identical cost of 1. - How to fix the default cost issue network-wide using the auto-cost reference-bandwidth command in router configuration mode. - How to manually override the calculated cost for specific path engineering using the ip ospf cost command on an interface. - That the reference bandwidth must be set consistently across all routers in the OSPF domain to ensure accurate and predictable path selection. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fyboxhSZ3Yfr/5kriRoLXIX2_JsvKRx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fyboxhSZ3Yfr/1785522926/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5kriRoLXIX2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-51-supporting-families-in-stress-homelessness-divorce-deployment</loc>
    <video:video>
      <video:title>CDA Exam Prep 51, Supporting Families in Stress Homelessness, Divorce, Deployment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To connect a childs behavioral changes to potential family stressors as a first step. - The importance of initiating private, confidential conversations with families to offer support. - How to act as a bridge to community resources for families facing homelessness or other crises. - To maintain neutrality and consistent communication with all caregivers in situations of divorce or separation. - The critical difference between offering family support and the legal obligation of mandated reporting for suspected abuse or neglect. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/HqqAoDHY22_7/5dyOQ_fqIr2_WWJvxN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/HqqAoDHY22_7/1785524538/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5dyOQ_fqIr2</video:player_loc>
      <video:duration>253</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-47-prince2-and-sustainability-7th-edition-focus</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 47, PRINCE2 and Sustainability 7th Edition Focus</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That PRINCE2 7th Edition integrates sustainability as a seventh core project performance target, alongside cost, time, and quality. - How sustainability targets, covering environmental, social, and economic factors, must be explicitly defined and justified within the Business Case. - That sustainability goals are managed and tracked as project benefits through the Benefits Management Approach. - Why tailoring the sustainability approach to fit the specific context, scale, and impact of a project is a critical skill tested on the exam. - How project sustainability efforts align with broader corporate strategies like ESG reporting and the UN Sustainable Development Goals. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NwyoslrJwU9s/zd44k_LaJa2_sMswpd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/NwyoslrJwU9s/1785524537/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zd44k_LaJa2</video:player_loc>
      <video:duration>235</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-36-ospf-network-types-broadcast-point-to-point</loc>
    <video:video>
      <video:title>CCNA Exam Prep 36, OSPF Network Types Broadcast, Point-to-Point</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The function of DR/BDR elections on OSPF broadcast networks (like Ethernet) to reduce adjacencies. - How OSPF uses multicast addresses 224.0.0.5 and 224.0.0.6 on broadcast networks. - Why OSPF point-to-point networks do not elect a Designated Router (DR) or Backup Designated Router (BDR). - Common exam traps like mismatched network types or timers preventing OSPF adjacency. - The DR election process: highest OSPF priority, then highest router ID as the tiebreaker. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/MZv2sFu7YIhX/yczyQEKbJX2_KxRnUc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/MZv2sFu7YIhX/1785524671/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yczyQEKbJX2</video:player_loc>
      <video:duration>215</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-34-ospf-neighbor-adjacency-states</loc>
    <video:video>
      <video:title>CCNA Exam Prep 34, OSPF Neighbor Adjacency States</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The seven OSPF neighbor states in order are Down, Init, 2-Way, ExStart, Exchange, Loading, and Full. - On broadcast networks, non-DR/BDR routers normally remain in the 2-Way state with each other and only reach Full with the DR and BDR. - A common cause for a failed OSPF adjacency is a mismatch in the Hello or Dead timers between neighboring routers. - The ExStart and Exchange states are where routers use Database Descriptor packets to summarize and compare their link-state databases. - A helpful mnemonic for the OSPF states is: Do Interns 2-way Exchange Extra Large Fries? For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fkqctjil3-Ns/XB4yRFfHcW2_qicTOQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fkqctjil3-Ns/1785526151/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XB4yRFfHcW2</video:player_loc>
      <video:duration>143</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-48-family-engagement-vs-involvement-partnership-model</loc>
    <video:video>
      <video:title>CDA Exam Prep 48, Family Engagement vs Involvement Partnership Model</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between passive family involvement and active, partnership-based family engagement for the CDA exam. - How to identify true engagement, which honors the family as the childs first and most important teacher. - The way scenario-based CDA exam questions test your ability to apply the partnership model in real-world situations. - How to spot common exam traps that mistake one-way communication for genuine two-way collaboration. - A simple mnemonic to quickly distinguish between involvement and engagement: Involvement is an invitation Engagement is a partnership. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hyeQADyB32gZ/X7y4lpLGdX2_MjAXXP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hyeQADyB32gZ/1785526153/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X7y4lpLGdX2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-44-process-closing-a-project-cp</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 44, Process Closing a Project (CP)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Closing a Project process provides a fixed point to confirm project objectives have been met and products are accepted. - The Project Manager recommends closure, but only the Project Board has the authority to authorize it, a common exam question. - Key outputs include the End Project Report, the Lessons Report, Follow-on Action Recommendations, and the updated Benefits Review Plan. - A frequent exam trap is confusing the update of the Benefits Review Plan during closure with the actual review of benefits, which often happens post-project. - Remember the core activities with the mnemonic PHEAR: Prepare closure, Hand over products, Evaluate the project, And Recommend closure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Mpbwcpzdw6wt/yk45R_eXcq2_KHZOAe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Mpbwcpzdw6wt/1785526283/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yk45R_eXcq2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-33-ospfv2-fundamentals-lsa-types-and-areas</loc>
    <video:video>
      <video:title>CCNA Exam Prep 33, OSPFv2 Fundamentals LSA Types and Areas</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The function of OSPF areas, including the mandatory backbone Area 0, to enhance scalability. - The roles of LSA Type 1 (Router) and LSA Type 2 (Network) and that they are confined within a single area. - How Area Border Routers (ABRs) generate LSA Type 3 (Summary) to advertise routes between different areas. - The critical difference between inter-area routes (learned via Type 3 LSAs) and external routes (learned via Type 5 LSAs). - Common CCNA exam traps, such as confusing the flooding scopes of different LSA types. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/MDb2kzOltU2X/464zR-KXda2_ryvwjX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/MDb2kzOltU2X/1785526281/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=464zR-KXda2</video:player_loc>
      <video:duration>175</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-47-emotional-regulation-co-regulation-and-mindfulness</loc>
    <video:video>
      <video:title>CDA Exam Prep 47, Emotional Regulation Co-Regulation and Mindfulness</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Co-regulation is the process where an adult lends their calm nervous system to a child to help them manage overwhelming emotions, a key concept in CDA Competency Standard III. - The first and most critical step in co-regulation is to connect with and validate the childs feelings by naming them (e.g., I can see youre very frustrated). - A common CDA exam trap is choosing answers that distract a child instead of teaching them emotional regulation skills the goal is to teach, not just manage. - Mindfulness for preschoolers involves concrete, sensory activities like Belly Breathing or listening walks to build self-awareness, not silent meditation. - The essential mnemonic Connect before you correct helps prioritize emotional connection and validation over immediate behavioral correction in exam scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/HlrwwzDBZ2Fz/4Q5OkoLWcr2_wqEuML.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/HlrwwzDBZ2Fz/1785526290/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4Q5OkoLWcr2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-52-family-questionnaires-for-portfolio-distribution-and-confidentiality</loc>
    <video:video>
      <video:title>CDA Exam Prep 52, Family Questionnaires for Portfolio Distribution and Confidentiality</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The CDA requirement is to distribute the official Council questionnaire to all families, not just collect a minimum number. - Anonymity and confidentiality are critical never ask for names on the forms and always protect family responses. - Your portfolio requires a written summary of feedback themes, not the individual completed questionnaires. - How to increase response rates through in-person distribution, reminders, and providing forms in multiple languages. - The D.A.T.A. mnemonic (Distribution, Anonymity, Themes, Action) to master the full questionnaire process for your portfolio. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dnbooB4dYQEt/ykyikFeqIb2_qHFJEZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/dnbooB4dYQEt/1785526280/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ykyikFeqIb2</video:player_loc>
      <video:duration>162</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-50-communication-systems-daily-reports-conferences-apps</loc>
    <video:video>
      <video:title>CDA Exam Prep 50, Communication Systems Daily Reports, Conferences, Apps</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The five essential components of a CDA-compliant daily report for children under three: feeding, diapering, sleep, mood, and activities. - To distinguish between informal daily updates and the CDA requirement of a minimum of two formal parent-teacher conferences per year. - Why communication apps should supplement, but never replace, direct, in-person conversations for sensitive topics. - The importance of translating written communications into a familys home language to ensure equitable and effective partnership. - How to apply the concept of two-way communication by actively seeking information from families to support the child. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fDb6BFPc3U0W/ykyOQpKqIb2_FiIiEZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fDb6BFPc3U0W/1785526286/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ykyOQpKqIb2</video:player_loc>
      <video:duration>175</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-46-management-products-baselines-records-reports</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 46, Management Products Baselines, Records, Reports</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Management Products in PRINCE2 are divided into three types: Baselines, Records, and Reports. - Baseline products, like the Project Initiation Documentation (PID), are formally approved, version-controlled, and require a formal change process to be modified. - Records are dynamic, living documents that are updated continuously, such as the Daily Log for informal notes and Registers for tracking specific items like risks and issues. - Reports are point-in-time snapshots of project status, such as the time-driven Highlight Report or the event-driven End Stage Report. - A common exam trap is confusing report triggers an Exception Report is only created when a stage is forecast to exceed its tolerances, not for every major issue. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/d4f-Flnk3I_y/464ik-KHIq2_aiEIym.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/d4f-Flnk3I_y/1785526425/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=464ik-KHIq2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-35-ospf-dr-and-bdr-election</loc>
    <video:video>
      <video:title>CCNA Exam Prep 35, OSPF DR and BDR Election</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The OSPF DR/BDR election only occurs on multi-access networks to reduce LSA flooding. - The router with the highest OSPF interface priority (0-255) wins the DR election a priority of 0 makes a router ineligible. - The highest router ID is used as the tie-breaker if interface priorities are equal. - The election process is non-preemptive a new router with a higher priority will not take over an already-elected DR. - DROTHERs form a FULL adjacency with the DR and BDR, but only a 2-WAY state with other DROTHERs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hOzUhDnts-Fz/464PRofWJq2_qVYDms.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hOzUhDnts-Fz/1785526423/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=464PRofWJq2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-49-cultural-responsiveness-funds-of-knowledge</loc>
    <video:video>
      <video:title>CDA Exam Prep 49, Cultural Responsiveness Funds of Knowledge</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Funds of Knowledge theory posits families possess abundant cultural and cognitive resources that educators can use for teaching. - How the CDA exam tests this concept through scenarios requiring you to choose strength-based, culturally responsive actions over deficit-based ones. - To avoid common exam traps that involve fixing a familys perceived shortcomings instead of leveraging their existing skills and knowledge. - How to demonstrate your understanding in your CDA Portfolio by including resources, like family questionnaires, that actively seek out family expertise. - The mnemonic Assume assets, not absences to guide your interactions and exam answers toward a strength-based approach. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/aQf6cnOsxUur/4k4PRpLWIq2_yQZyTx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/aQf6cnOsxUur/1785526425/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4k4PRpLWIq2</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-45-process-model-how-processes-connect</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 45, Process Model How Processes Connect</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Starting Up a Project (SU) is a pre-project process that produces the Project Brief, which triggers Directing a Project (DP). - The Project Board uses Directing a Project (DP) to authorize the initiation stage, which formally triggers the Initiating a Project (IP) process. - The key output of Initiating a Project (IP) is the Project Initiation Documentation (PID), which the board reviews to authorize the project itself. - During delivery stages, the Project Managers Controlling a Stage (CS) process runs in parallel with the Team Managers Managing Product Delivery (MP) process. - At the end of each stage, the Project Manager uses Managing a Stage Boundary (SB) to prepare reports and plans for the Project Board to authorize the next stage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/h4DUAjTssUvz/4lyOkUfbdq2_TEomZN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/h4DUAjTssUvz/1785526434/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4lyOkUfbdq2</video:player_loc>
      <video:duration>214</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-43-process-managing-a-stage-boundary-sb</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 43, Process Managing a Stage Boundary (SB)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core purpose of the Managing a Stage Boundary (SB) process as a go/no-go decision point for the Project Board. - The key activities in the SB process: Plan the next stage, Update the Project Plan and Business Case, and Report stage end. - The critical difference between creating a Next Stage Plan and an Exception Plan, and what triggers the latter. - How the exam tests the distinction between the Managing a Stage Boundary process and the Closing a Project process. - Common exam traps, such as who approves the next stage and the constant need to verify continued business justification.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/h4n2An4kw--q/y74ilULacr2_xcIkEt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/h4n2An4kw--q/1785526424/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y74ilULacr2</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-38-process-starting-up-a-project-su</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 38, Process Starting Up a Project (SU)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The purpose of the Starting Up a Project (SU) process is to verify project viability before any detailed planning begins. - The key trigger for the SU process is the Project Mandate, and its main output is the Project Brief. - Core activities include appointing the Executive and PM, capturing lessons, designing the team, and preparing an OUTLINE Business Case. - A common exam trap is confusing the pre-project SU process with the more detailed Initiating a Project (IP) process. - The SU process produces an outline Business Case and an Initiation Stage Plan, not the full Business Case or the complete Project Initiation Documentation (PID). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/GKqIBnDZF6Vq/zR44QpfqdX2_QfjbXy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/GKqIBnDZF6Vq/1785527108/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zR44QpfqdX2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-27-wlan-gui-configuration-walkthrough</loc>
    <video:video>
      <video:title>CCNA Exam Prep 27, WLAN GUI Configuration Walkthrough</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The step-by-step process to define an external RADIUS server in the WLC GUI for 802.1X authentication. - How to create a dynamic interface on the WLC and correctly map it to a client VLAN. - The critical relationship between the WLCs interface VLAN tag and the upstream switchs trunk port configuration. - How to troubleshoot common client connectivity issues related to DHCP server reachability and IP addressing failures. - The correct sequence for building a secure WLAN: configuring AAA, then interfaces, then the WLAN profile, and finally applying security policies. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fVmwop4J3-_B/qtWadhTGcq2_gAFNMR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fVmwop4J3-_B/1785527477/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qtWadhTGcq2</video:player_loc>
      <video:duration>206</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-30-routing-table-components-rib-and-fib</loc>
    <video:video>
      <video:title>CCNA Exam Prep 30, Routing Table Components RIB and FIB</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Routing Information Base (RIB) is the routers main routing table, operating on the control plane and containing all learned routes. - The Forwarding Information Base (FIB) is a streamlined table derived from the RIB, used for high-speed packet forwarding on the data plane. - Cisco Express Forwarding (CEF) is the mechanism that builds the FIB by selecting the best routes from the RIB. - The show ip route command displays the RIB, while show ip cef is used to view the FIB, a key distinction for the exam. - A common exam trap is confusing the roles and operational planes of the RIB (control plane) and the FIB (data plane). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/b4i6tzj7EU_6/XdqGd3mWca2_PWmtEu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/b4i6tzj7EU_6/1785527733/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XdqGd3mWca2</video:player_loc>
      <video:duration>209</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-44-positive-guidance-philosophy-guidance-vs-discipline-vs-punishment</loc>
    <video:video>
      <video:title>CDA Exam Prep 44, Positive Guidance Philosophy Guidance vs Discipline vs Punishment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To distinguish between guidance, discipline, and punishment in exam scenarios. - Why guidance focuses on teaching a new, positive behavior, while punishment only stops a negative one. - That disciplines goal is to teach through logical consequences, not to shame. - How the CDA exam consistently favors proactive, relationship-building guidance strategies. - To identify the common exam trap of time-out (punishment) versus time-in (guidance). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/d_DQtFj6_2oz/rtWWJ2SXcr2_fqbCHi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/d_DQtFj6_2oz/1785527731/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rtWWJ2SXcr2</video:player_loc>
      <video:duration>220</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-40-process-initiating-a-project-ip</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 40, Process Initiating a Project (IP)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The primary purpose of the Initiating a Project (IP) process is to create the detailed foundation, the Project Initiation Documentation (PID), before committing to major project resources. - IP refines the outline business case from the pre-project stage into a detailed business case, justifying the projects continuation. - A core activity is creating the four key management approaches: Risk, Quality, Change Control, and Communication. - The PID is the key output of this process, which is baselined and requires Project Board approval before the first delivery stage can begin. - A common exam trap is confusing the detailed planning in IP with the high-level viability check in the Starting Up a Project (SU) process. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/HSyktjC7AI8q/rtqHdMSGdb2_EkMZWI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/HSyktjC7AI8q/1785527729/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rtqHdMSGdb2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-29-static-routing-network-default-host-floating</loc>
    <video:video>
      <video:title>CCNA Exam Prep 29, Static Routing Network, Default, Host, Floating</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to configure a standard network static route using the ip route command. - The critical performance difference between using a next-hop IP and an exit interface on Ethernet networks. - The purpose and configuration of a default route (0.0.0.0/0) as a gateway of last resort. - How a floating static route provides backup by being configured with a higher Administrative Distance. - The specific use case for a host route, which targets a single IP address with a /32 mask. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/MVbYFznYF-Vy/XZXWIwTHdb2_czRVwk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/MVbYFznYF-Vy/1785527730/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XZXWIwTHdb2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-32-dynamic-routing-protocols-overview-igp-vs-egp</loc>
    <video:video>
      <video:title>CCNA Exam Prep 32, Dynamic Routing Protocols Overview IGP vs EGP</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Interior Gateway Protocols (IGPs) such as OSPF and EIGRP are used for routing within a single Autonomous System (AS). - The primary Exterior Gateway Protocol (EGP) is BGP, which is used to route traffic between different Autonomous Systems across the internet. - Dynamic routing protocols are classified by their underlying algorithms: distance-vector (like RIP), link-state (like OSPF), and path-vector (BGP). - A common CCNA exam trap is misclassifying protocol types, especially Ciscos EIGRP, which is an advanced distance-vector protocol, not link-state. - Dynamic routing is essential for scalability and automatic failover, as protocols can automatically find new paths when a network link fails, unlike static routing. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3fzssvGdxUfB/WsrbdhnHcX2_qwJljO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3fzssvGdxUfB/1785527801/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WsrbdhnHcX2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-46-managing-challenging-behaviors-abc-and-pyramid-model</loc>
    <video:video>
      <video:title>CDA Exam Prep 46, Managing Challenging Behaviors ABC and Pyramid Model</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to identify the two primary functions of any challenging behavior: to get something or to escape something. - The components of the ABC model (Antecedent, Behavior, Consequence) and how to apply it to CDA exam scenarios. - The tiered structure of the Pyramid Model, emphasizing prevention through relationships and environment as the foundation. - Why teaching appropriate replacement behaviors is a more effective and test-friendly strategy than punishment. - A simple mnemonic, SEAT (Sensory, Escape, Attention, Tangible), to quickly recall the four main reasons for behavior. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3rfYsr1dZ6T6/WYrbJwSGcG2_ZkSdaP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3rfYsr1dZ6T6/1785527814/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WYrbJwSGcG2</video:player_loc>
      <video:duration>208</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-42-process-managing-product-delivery-mp</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 42, Process Managing Product Delivery (MP)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core purpose of the Managing Product Delivery (MP) process as the interface between the Project Manager and Team Manager. - The three key activities of MP: Accept a Work Package, Execute a Work Package, and Deliver a Work Package. - The distinction between the Project Managers role in authorizing work and the Team Managers responsibility for creating a Team Plan. - How to differentiate between Checkpoint Reports (from Team Manager to Project Manager) and Highlight Reports (from Project Manager to Project Board). - Why completing quality and configuration records is a mandatory part of formally delivering a Work Package. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0rfIxrel2YSY/WsqGdgmqIH2_rDATwR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0rfIxrel2YSY/1785527800/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WsqGdgmqIH2</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-31-administrative-distance-and-metric</loc>
    <video:video>
      <video:title>CCNA Exam Prep 31, Administrative Distance and Metric</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Administrative Distance (AD) is the first tie-breaker, determining the trustworthiness of a routing protocol (lower is better). - Metric is the second tie-breaker, used to find the best path within a single routing protocol. - A router will always prefer a route with a lower AD, regardless of the metric. - Key default AD values to memorize: Connected (0), Static (1), EIGRP (90), OSPF (110), RIP (120). - The mnemonic Every Old Router helps recall the AD values for EIGRP (90), OSPF (110), and RIP (120). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qczgArLAwUfs/WYWWdwSqIG2_jRPYjk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qczgArLAwUfs/1785527805/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WYWWdwSqIG2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-45-setting-limits-clear-few-consistent-positive</loc>
    <video:video>
      <video:title>CDA Exam Prep 45, Setting Limits Clear, Few, Consistent, Positive</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three core safety categories that should form the foundation of all classroom rules: keeping self safe, others safe, and the environment safe. - How to phrase rules positively by telling children what to do (e.g., use walking feet) rather than what not to do (e.g., dont run). - Why consistency among all staff members is critical for creating a predictable and secure environment where children can thrive. - The exam-focused rationale for having a small number of clear, simple, and age-appropriate rules instead of a long, overwhelming list. - The importance of using specific, concrete language and visual aids to ensure rules are understandable for young children, especially non-readers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Ysj-BdbBxMn6/WIqrJwnaJG2_nBlgYs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Ysj-BdbBxMn6/1785527813/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WIqrJwnaJG2</video:player_loc>
      <video:duration>206</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-41-process-controlling-a-stage-cs</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 41, Process Controlling a Stage (CS)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The purpose of Controlling a Stage (CS) as the Project Managers day-to-day management activity. - How Work Packages are used to formally authorize work for Team Managers. - The critical difference between a Checkpoint Report (from Team Manager to PM) and a Highlight Report (from PM to Project Board). - When a Project Manager can take corrective action versus when they MUST escalate an exception to the Project Board. - The distinction between a risk (a potential future event) and an issue (an event that has already occurred). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Xgb6ptqAY2LW/WIqrdMnWJG2_PNJOIO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Xgb6ptqAY2LW/1785527799/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WIqrdMnWJG2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-39-process-directing-a-project-dp</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 39, Process Directing a Project (DP)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the Directing a Project (DP) process is exclusively for the Project Board and runs for the entire project lifecycle. - How the principle of Management by Exception allows the board to govern without micromanaging. - The five key activities of the DP process: authorizing initiation, the project, stages or exception plans, giving ad-hoc direction, and authorizing closure. - How to avoid the common exam trap of confusing the boards directing activities (DP) with the Project Managers controlling activities (CS). - A simple mnemonic to remember the five activities: Go, Go, Go, Help, Stop. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uWvkgxrl2QK4/WIqXc2SHIX2_uKbfPw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uWvkgxrl2QK4/1785527937/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WIqXc2SHIX2</video:player_loc>
      <video:duration>185</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-42-inclusion-of-children-with-disabilities-idea-basics</loc>
    <video:video>
      <video:title>CDA Exam Prep 42, Inclusion of Children with Disabilities IDEA Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - IDEA Part C covers children from birth to age three with a family-focused Individualized Family Service Plan (IFSP). - IDEA Part B covers children from ages 3 to 21 with a child-focused Individualized Education Program (IEP). - The Least Restrictive Environment (LRE) principle mandates inclusion with non-disabled peers to the maximum extent appropriate. - Universal Design for Learning (UDL) is a framework for creating flexible, accessible learning experiences for all children. - Effective inclusion requires a strong, collaborative partnership with families throughout the entire process. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vNeYpvbkZ-ny/qcraJ2SXJW2_FPVxZV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vNeYpvbkZ-ny/1785527941/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qcraJ2SXJW2</video:player_loc>
      <video:duration>254</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-28-routing-decision-longest-prefix-match</loc>
    <video:video>
      <video:title>CCNA Exam Prep 28, Routing Decision Longest Prefix Match</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A routers primary rule for forwarding a packet is always the longest prefix match. - The longest prefix match rule is applied before a router ever considers Administrative Distance (AD) or metric. - A more specific route, such as a /26, will always be chosen over a less specific route, like a /24, even if the less specific route has a better AD. - Administrative Distance and metric are only used as tie-breakers when multiple routes to the exact same destination prefix exist. - The default route, 0.0.0.0/0, has the shortest prefix and is only used as a last resort when no other route matches the destination. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qsu-AhvBFIVZ/WdXGJxTGIX2_kNGBin.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qsu-AhvBFIVZ/1785528061/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WdXGJxTGIX2</video:player_loc>
      <video:duration>237</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-39-building-self-esteem-descriptive-feedback-vs-praise</loc>
    <video:video>
      <video:title>CDA Exam Prep 39, Building Self-Esteem Descriptive Feedback vs Praise</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Descriptive feedback (You used three different colors) is superior to generic praise (Good job!) because it helps children recognize their own specific actions. - Praising a childs effort and strategy (You worked hard on that puzzle) fosters a growth mindset, while praising innate ability (Youre so smart) can create a fear of failure. - The CDA exam will always consider comparing childrens work or behavior as a negative interaction that undermines self-esteem. - Encourage self-evaluation by asking open-ended questions like, What do you like most about your creation? to build a childs internal sense of validation. - A key mental shortcut for the exam is: Describe, dont judge to help select the best response in scenario-based questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/XiCUcfKZx-Dr/qBXbdhnada2_qkarcd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/XiCUcfKZx-Dr/1785529490/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qBXbdhnada2</video:player_loc>
      <video:duration>166</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-35-progress-practice-tolerances-by-aspect</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 35, Progress Practice Tolerances by Aspect</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That PRINCE2 tolerances apply to six specific aspects: Cost, Time, Quality, Scope, Benefits, and Risk. - The hierarchy of tolerance setting, from Corporate to the Project Board, the Project Board to the Project Manager, and the Project Manager to the Team Manager. - The critical concept that an exception is triggered by a forecasted breach of tolerance, not an actual one, which is central to the Manage by Exception principle. - How to spot common exam traps, such as overlooking non-financial tolerances like scope and quality or confusing stage-level and project-level authority. - The mnemonic Can The Queen See Big Rabbits? to quickly recall the six tolerance aspects during your exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2lnUAvuQ36S4/WRrXIhSbdq2_XBbzuP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2lnUAvuQ36S4/1785529497/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WRrXIhSbdq2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-38-cultural-identity-and-anti-bias-practice-derman-sparks-4-goals</loc>
    <video:video>
      <video:title>CDA Exam Prep 38, Cultural Identity and Anti-Bias Practice Derman-Sparks 4 Goals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply Derman-Sparks four anti-bias goals: Identity, Diversity, Justice, and Activism. - To identify and avoid the tourist multiculturalism trap in exam scenarios. - Why directly and honestly answering childrens questions about differences is the correct approach on the CDA exam. - How to select classroom materials, like books and dolls, that authentically support positive identity and comfort with diversity. - A simple mnemonic, I Do Just Actions, to recall the four core anti-bias goals during your test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xBzkohrI3MSy/W7qaIhnHcr2_iwRfGp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xBzkohrI3MSy/1785529492/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W7qaIhnHcr2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-41-peer-relationships-parallel-to-cooperative-play</loc>
    <video:video>
      <video:title>CDA Exam Prep 41, Peer Relationships Parallel to Cooperative Play</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The correct developmental sequence of Partens social stages of play: Parallel, Associative, and Cooperative. - How to distinguish between parallel play (side-by-side, no interaction) and associative play (similar activity, some interaction, no shared goal) in exam scenarios. - Why all stages of play are developmentally appropriate at the right age and how the CDA exam might test this as a common trap. - Effective, exam-approved strategies for coaching a child on how to enter an ongoing playgroup without being intrusive. - The core friendship skillslike sharing, turn-taking, and conflict repairthat you are expected to model and support as an early childhood educator. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0QbwlhrRw2Ts/rkWXIhSqda2_GlQFmu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0QbwlhrRw2Ts/1785529616/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rkWXIhSqda2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-40-attachment-theory-in-practice-primary-caregiving</loc>
    <video:video>
      <video:title>CDA Exam Prep 40, Attachment Theory in Practice Primary Caregiving</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Bowlby and Ainsworths concept of a secure base appears in scenario-based CDA exam questions. - The difference between the primary caregiving model and simple teacher-to-child ratios, a common point of confusion on the exam. - Why continuity of care is a heavily weighted concept for promoting secure attachments and reducing stress in young children. - Best practices for managing daily separations and reunions, and why encouraging parents to sneak out is always the wrong answer on the exam. - A simple mnemonic (CARE: Consistency, Acknowledging feelings, Responsive interactions, Emotional availability) to recall key attachment-building behaviors. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vPjwwf0I2ILW/XAXqJgSaca2_RktylP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vPjwwf0I2ILW/1785529615/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XAXqJgSaca2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-36-progress-reports-highlight-checkpoint-end-stage</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 36, Progress Reports Highlight, Checkpoint, End Stage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The distinct audiences and purposes of Checkpoint, Highlight, and End Stage reports in PRINCE2. - That Checkpoint Reports flow from Team Managers to the Project Manager, detailing Work Package progress. - That Highlight Reports are regular, time-driven summaries from the Project Manager to the Project Board, used when the stage is within tolerance. - That the End Stage Report is a retrospective review of a completed stage, used by the Project Board to authorize the next stage. - How the Communication Management Approach document defines the timing and format for all project reports. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/x6vslxWJZMVy/XQqrdxnXca2_lrSNsI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/x6vslxWJZMVy/1785529614/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XQqrdxnXca2</video:player_loc>
      <video:duration>185</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-25-wlan-configuration-ssid-security-qos</loc>
    <video:video>
      <video:title>CCNA Exam Prep 25, WLAN Configuration SSID, Security, QoS</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between WPA2-Personal (PSK) and WPA2-Enterprise (802.1X/AAA). - How to map Ciscos QoS profiles (Platinum, Gold, Silver, Bronze) to specific traffic types like voice and video. - The function of mapping a WLAN to a VLAN interface and how its tested in troubleshooting scenarios. - Key security improvements in WPA3, such as Simultaneous Authentication of Equals (SAE). - Common exam traps, such as confusing SSID broadcasting with a real security measure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0Pn2xh1RYIh7/X6XWIxmWcq2_bBDXHI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0Pn2xh1RYIh7/1785529630/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X6XWIxmWcq2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-23-wireless-lan-architectures-autonomous-vs-lightweight</loc>
    <video:video>
      <video:title>CCNA Exam Prep 23, Wireless LAN Architectures Autonomous vs Lightweight</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Autonomous APs are standalone devices configured individually, best for small-scale deployments. - Lightweight APs work with a Wireless LAN Controller (WLC) in a Split-MAC architecture to centralize network management. - Communication between a Lightweight AP and a WLC uses a CAPWAP tunnel, with a mandatorily encrypted control plane. - Centralized deployments tunnel all client data to the WLC, which can be inefficient for remote offices. - FlexConnect mode allows branch office APs to switch data traffic locally, saving WAN bandwidth and providing resilience during WAN failures. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/u6fcBfGZwUnW/r6rrcMmGda2_bhpJjS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/u6fcBfGZwUnW/1785529615/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r6rrcMmGda2</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-24-wlc-discovery-and-ap-modes</loc>
    <video:video>
      <video:title>CCNA Exam Prep 24, WLC Discovery and AP Modes</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four primary methods a lightweight AP uses to discover a WLC: DHCP Option 43, DNS, broadcast, and static configuration. - How Local mode serves clients while Monitor mode acts as a dedicated security and RF sensor. - The key distinction between Monitor mode (for security) and Sniffer mode (for packet capture and troubleshooting). - Why FlexConnect is the essential AP mode for remote offices to ensure survivability during WAN outages. - The specific function of Rogue Detector, Bridge, and Mesh modes and their use cases in exam scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rFeUkhKJEYft/XkXrcwSrJq2_EFCvTU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rFeUkhKJEYft/1785529763/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XkXrcwSrJq2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-34-configuration-management-essentials</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 34, Configuration Management Essentials</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The five core activities of PRINCE2 configuration management are Planning, Identification, Control, Status Accounting, and Verification/Audit. - The Configuration Management Strategy is the key document created during initiation that defines how all project products will be tracked and controlled. - A baseline is a formally approved version of a product any changes to it must go through a formal change control procedure to prevent scope creep. - Each product is tracked using a Configuration Item Record, which details its unique identifier, version, status, owner, and relationships to other items. - Verification and audit are crucial for ensuring the configuration records accurately reflect the actual state of the products, which is distinct from quality control. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YlioltLR66fA/rQXXdNSqJb2_sqOZps.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YlioltLR66fA/1785529757/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rQXXdNSqJb2</video:player_loc>
      <video:duration>184</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-37-identity-and-self-concept-mirrors-names-affirmations</loc>
    <video:video>
      <video:title>CDA Exam Prep 37, Identity and Self-Concept Mirrors, Names, Affirmations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to use child-height mirrors as active tools for self-discovery, not just as passive classroom objects. - The developmental progression of name recognition, from photos to first letters to full names, as a key identity builder. - Why specific, action-oriented affirmations are more effective for building self-concept than generic praise like good job. - The importance of explicitly and honestly representing diverse family structures (single-parent, LGBTQ+, foster, grandparent-led) in classroom materials. - The mnemonic M.A.N. is who I AM (Mirrors, Affirmations, Names) to remember the core tools for fostering a childs sense of self. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0Fm6BbqQEUm6/XkqaJNnXIa2_pAWYeO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0Fm6BbqQEUm6/1785529760/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XkqaJNnXIa2</video:player_loc>
      <video:duration>238</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-37-exception-reports-and-exception-management</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 37, Exception Reports and Exception Management</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Exception Report is triggered by a forecast that tolerances will be breached, not after the breach has already happened. - The Project Managers primary role is to produce the Exception Report, detailing the cause, impact, options, and a clear recommendation. - Once an exception is reported, the Project Managers authority to act stops, and the Project Board takes over decision-making. - The Project Boards options include approving a change, requesting an Exception Plan, or prematurely closing the project. - An approved Exception Plan replaces the current Stage Plan for the remainder of that stage, not the entire Project Plan. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YlegovX7EQNZ/XlWGJxTadr2_vhhfNX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YlegovX7EQNZ/1785529756/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XlWGJxTadr2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-26-cisco-dna-center-catalyst-center-overview</loc>
    <video:video>
      <video:title>CCNA Exam Prep 26, Cisco DNA Center / Catalyst Center Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Cisco DNA Center (Catalyst Center) acts as a centralized controller, replacing device-by-device CLI management with automation. - Intent-based networking allows you to define business outcomes (the what), which DNA Center then translates into network configurations (the how). - The underlay is the physical network providing basic connectivity, while the overlay is the virtual network (using VXLAN) that enforces policy in SD-Access. - DNA Center Assurance provides analytics and AI-driven insights to proactively monitor network health and accelerate troubleshooting. - Northbound APIs are used for integration, allowing external IT systems to programmatically interact with the network via DNA Center. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vmnEhrbI7-Ny/rRqHc3nrda2_oIzAUr.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vmnEhrbI7-Ny/1785529767/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rRqHc3nrda2</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-33-change-control-procedure-and-issue-register</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 33, Change Control Procedure and Issue Register</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The five steps of the PRINCE2 change control procedure: Capture, Examine, Propose, Decide, and Implement. - How the Issue Register is used to formally log and track requests for change, off-specifications, and other project issues. - The distinct roles and decision-making power of the Project Manager, Change Authority, and Project Board based on project tolerances. - Why a separate change budget is essential for funding approved changes and how it differs from cost tolerance. - The critical link between implementing a change and updating the corresponding Configuration Item Records. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/31C2Bhn73Q36/zQrXdMmGIW2_MyZlFv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/31C2Bhn73Q36/1785531323/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zQrXdMmGIW2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-22-stp-protections-portfast-bpdu-guard-root-guard</loc>
    <video:video>
      <video:title>CCNA Exam Prep 22, STP Protections PortFast, BPDU Guard, Root Guard</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Enable PortFast on access-layer ports connected to end devices to bypass STPs Listening and Learning states for immediate network access. - Always pair PortFast with BPDU Guard, which places a port into an err-disabled state if it receives any BPDU, preventing unauthorized switches from disrupting the STP topology. - Use Root Guard on designated ports facing other switches to prevent a new switch from illegitimately taking over the root bridge role. - Root Guard places a port in a root-inconsistent state upon receiving a superior BPDU, blocking traffic without shutting down the port. - Differentiate BPDU Guard, which protects edge ports from any switch connection, from Root Guard, which protects the core STP hierarchy from superior BPDUs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xZyEot4Y2Y1q/57WGdhnrdG2_wyHkjH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xZyEot4Y2Y1q/1785531327/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=57WGdhnrdG2</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-32-issues-practice-issue-types-and-recording</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 32, Issues Practice Issue Types and Recording</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three official PRINCE2 issue types: Request for Change, Off-Specification, and Problem/Concern. - The critical difference between recording informal issues in the Daily Log versus formal issues in the Issue Register. - The purpose of an Issue Report as the formal document for analyzing and presenting an issue for decision. - The four possible decisions that can be made on an issue: approve, reject, defer, or request more information. - A common exam trap of confusing the Daily Log with the Issue Register and when to use each. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tNywExD7sI9s/z7WadhSrdG2_GzWuhb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tNywExD7sI9s/1785531325/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z7WadhSrdG2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-31-risk-responses-avoid-reduce-transfer-accept-share</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 31, Risk Responses Avoid, Reduce, Transfer, Accept, Share</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The six appropriate PRINCE2 risk responses for threats: Avoid, Reduce, Fallback, Transfer, Accept, and Share. - The four appropriate PRINCE2 risk responses for opportunities: Exploit, Enhance, Share, and Reject. - How to select a risk response that is proportionate to the severity of the risk, a key exam concept. - The critical difference between the Risk Owner (accountable) and the Risk Actionee (responsible for execution). - A mnemonic to help you remember the six threat responses for your exam: AS RAFT (Avoid, Share, Reduce, Accept, Fallback, Transfer). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ugiglv5Y7I-5/z7qXI2mXIG2_jMBRio.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ugiglv5Y7I-5/1785531448/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z7qXI2mXIG2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-20-spanning-tree-protocol-fundamentals</loc>
    <video:video>
      <video:title>CCNA Exam Prep 20, Spanning Tree Protocol Fundamentals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - STPs primary function is to prevent Layer 2 loops by logically blocking redundant switch ports. - The root bridge is elected based on the lowest Bridge ID (BID), which is a combination of a priority value and the switchs MAC address. - Ciscos Per-VLAN Spanning Tree Plus (PVST+) runs a separate STP instance for each VLAN, enabling traffic load balancing. - STP ports transition through five states: Disabled, Blocking, Listening, Learning, and Forwarding. - Bridge Protocol Data Units (BPDUs) are the control messages used by switches to share topology information and elect the root bridge. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0syQtviJ-Mx7/5BrHJ3SXJG2_PLOxwC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0syQtviJ-Mx7/1785531450/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5BrHJ3SXJG2</video:player_loc>
      <video:duration>239</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-34-music-and-movement-beat-rhythm-expression</loc>
    <video:video>
      <video:title>CDA Exam Prep 34, Music and Movement Beat, Rhythm, Expression</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How music and movement directly support CDA Competency Goal II by advancing physical, intellectual, and social-emotional development. - The foundational progression from steady beat to rhythm and why its crucial for early learning. - How to identify and avoid the common exam trap of competitive, exclusionary games like musical chairs. - Why providing a variety of instruments and multicultural music is essential for meeting CDA standards for a non-biased classroom. - The importance of active facilitation and using your own voice over passive use of recorded music. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YsCQdr8JF23q/Wc4GdwSacr2_yLHEUU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YsCQdr8JF23q/1785531449/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Wc4GdwSacr2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-30-risk-register-and-risk-identification</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 30, Risk Register and Risk Identification</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The nine essential components of a PRINCE2 Risk Register, from identifier to actionee. - The critical difference between a Risk Owner (accountable for the risk) and a Risk Actionee (responsible for the response), a common exam trap. - Four key risk identification techniques tested on the exam: brainstorming, lessons learned, Risk Breakdown Structure, and prompt lists. - Why risk identification is a continuous and iterative activity throughout the project lifecycle, not a one-off task. - A mnemonic to easily remember the columns of the Risk Register: I Describe Problems In Proximity, Responding So Owners Act. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZwuchdnY62FX/Wsyrdxnbdb2_VzYZDq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZwuchdnY62FX/1785531446/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Wsyrdxnbdb2</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-19-etherchannel-lacp-pagp-static</loc>
    <video:video>
      <video:title>CCNA Exam Prep 19, EtherChannel LACP, PAgP, Static</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - LACP is the open standard (802.3ad) using Active/Passive modes at least one side must be Active to form a channel. - PAgP is Cisco-proprietary, using Desirable/Auto modes at least one side must be Desirable for a channel to form. - The Static On mode uses no negotiation and poses a risk of Layer 2 loops if misconfigured on one side. - All physical ports in an EtherChannel bundle must have identical configurations for speed, duplex, and VLAN settings. - LACP and PAgP are not interoperable you cannot form a channel between a switch running PAgP and one running LACP. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wwC6xbzJFQ3z/qYybdxTbcb2_PpJiQe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wwC6xbzJFQ3z/1785531460/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qYybdxTbcb2</video:player_loc>
      <video:duration>248</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-21-rapid-pvst-port-roles-and-states</loc>
    <video:video>
      <video:title>CCNA Exam Prep 21, Rapid PVST+ Port Roles and States</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four port roles in Rapid PVST+: Root, Designated, Alternate, and Backup. - The three simplified port states in RSTP: Discarding, Learning, and Forwarding. - How the Alternate port provides a fast-converging backup path to the root bridge. - The specific difference between an Alternate port (backup to the root) and a Backup port (backup to a segment). - How Edge Ports immediately transition to forwarding, similar to the classic PortFast feature. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xNvIwb8I-2nr/qY5rJNTGcb2_iQklka.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xNvIwb8I-2nr/1785531587/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qY5rJNTGcb2</video:player_loc>
      <video:duration>166</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-35-dramatic-play-and-pretend-symbolic-thinking</loc>
    <video:video>
      <video:title>CDA Exam Prep 35, Dramatic Play and Pretend Symbolic Thinking</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How symbolic thinking, the ability to have one thing represent another, is the cognitive foundation of dramatic play and is a key concept on the CDA exam. - The critical difference between a teachers role as a facilitator who extends play versus a director who controls it. - How to identify common exam traps related to teacher intervention, such as correcting a childs imaginative use of an object. - The importance of providing diverse and culturally representative materials, such as dolls of all skin tones, in the dramatic play center. - A simple mental shortcut (A B C: Ask, Broaden, and Cheer) to remember how to effectively support and extend child-led pretend play. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2Jzshd9R6UKt/WYzacMnbIq2_kEVrcl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2Jzshd9R6UKt/1785531588/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WYzacMnbIq2</video:player_loc>
      <video:duration>169</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-33-process-vs-product-art-why-journey-matters-more</loc>
    <video:video>
      <video:title>CDA Exam Prep 33, Process vs Product Art Why Journey Matters More</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to differentiate between child-led process art and teacher-directed product art for the CDA exam. - Why process art is crucial for developing creativity, problem-solving, and fine motor skills under CDA Competency Standard II. - How to identify common exam traps that disguise restrictive product-based crafts as appropriate activities. - The importance of displaying all childrens artwork to validate their efforts, a key concept in classroom environment questions. - A simple mnemonic to quickly evaluate art activities in exam scenarios: If they all look the same, its not a learning game. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1zr-BnKA_YvX/yc5XcwnGJH2_ubFZsn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1zr-BnKA_YvX/1785533116/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yc5XcwnGJH2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-29-risk-practice-risk-management-approach</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 29, Risk Practice Risk Management Approach</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Risk Management Approach defines the how-to for project risk, while the Risk Register lists the specific what of each risk. - The Project Manager creates the Risk Management Approach during initiation, but it must align with corporate policies and be approved by the Project Board. - This document establishes the specific procedures, tools, techniques, and reporting standards for managing risk throughout the project. - It contains the risk budget, a separate fund exclusively for financing responses to threats and opportunities, which cannot be used for scope changes. - The Risk Management Approach is a dynamic document that is reviewed and potentially updated at the boundary of each management stage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/06zIgnWlAY_Z/4szXJNnHIX2_LaLkqw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/06zIgnWlAY_Z/1785533259/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4szXJNnHIX2</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-18-inter-vlan-routing-roas-and-svi</loc>
    <video:video>
      <video:title>CCNA Exam Prep 18, Inter-VLAN Routing ROAS and SVI</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - ROAS uses a router with subinterfaces and the encapsulation dot1q command to route between VLANs over a single trunk link. - SVI uses a Layer 3 switchs internal routing capabilities by creating virtual interfaces (interface Vlan) that act as default gateways. - A common CCNA exam trap for ROAS is attempting to assign an IP address to a subinterface before specifying the 802.1Q encapsulation. - For an SVI to be active, the ip routing command must be enabled globally, the VLAN must exist with an active port, and the interface must not be shut down. - SVIs offer superior performance to ROAS because routing is handled in hardware, avoiding the bottleneck of an external router link. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/34fgpnbsE-1B/4JyGc2nacG2_jMPnpo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/34fgpnbsE-1B/1785533243/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4JyGc2nacG2</video:player_loc>
      <video:duration>143</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-32-read-alouds-and-dialogic-reading-peer-and-crowd</loc>
    <video:video>
      <video:title>CDA Exam Prep 32, Read-Alouds and Dialogic Reading PEER and CROWD</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four steps of the PEER sequence (Prompt, Evaluate, Expand, Repeat) for creating interactive reading loops. - The five types of CROWD prompts (Completion, Recall, Open-ended, Wh- questions, Distancing) used to engage children. - How PEER and CROWD work together, a common point of confusion on the CDA exam. - Why dialogic reading is a two-way conversation and is essential for demonstrating CDA competency. - How to apply these strategies in practice to meet CDA standards for language and literacy development. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3SjMojbB_-D7/4Z4GcNTrdG2_tQNLvf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3SjMojbB_-D7/1785533246/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4Z4GcNTrdG2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-17-voice-vlans-and-cdplldp-discovery</loc>
    <video:video>
      <video:title>CCNA Exam Prep 17, Voice VLANs and CDP/LLDP Discovery</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Voice VLANs separate and prioritize voice traffic from data on a single switch port. - The function of the switchport voice vlan command in assigning an IP phone to its specific VLAN. - The role of CDP, a Cisco-proprietary protocol, in automatically informing an IP phone about the correct voice VLAN ID. - The key differences between CDP and the open-standard LLDP (802.1AB) for multi-vendor device discovery. - Common CCNA exam traps, including troubleshooting non-Cisco phones and misconfigurations between discovery protocols and VLANs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wbCkljXYsMFA/zczrJNTWIW2_EzeCqi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wbCkljXYsMFA/1785533401/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zczrJNTWIW2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-31-pre-literacy-foundations-phonological-awareness</loc>
    <video:video>
      <video:title>CDA Exam Prep 31, Pre-Literacy Foundations Phonological Awareness</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between phonological awareness (hearing sounds) and phonics (linking sounds to letters). - How to identify phonological awareness activities like rhyming, syllable clapping, and alliteration in CDA exam scenarios. - Why playful, sound-based games are developmentally appropriate, while formal phonics drills are not for young preschoolers. - To recognize common exam traps that confuse auditory skills with visual skills like letter recognition and print awareness. - A simple mnemonic to retain the core concept: Sounds in the Air, Before Letters are There. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1reMFjLIY-26/zZ4Wd3nqcH2_MUWEUt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1reMFjLIY-26/1785533398/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zZ4Wd3nqcH2</video:player_loc>
      <video:duration>81</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-28-quality-reviews-and-the-quality-method</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 28, Quality Reviews and the Quality Method</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three distinct roles in a PRINCE2 Quality Review are the Chair, Presenter, and Reviewer. - A Quality Review follows a strict three-step process: Preparation, Review Meeting, and Follow-up. - Product sign-off occurs only after all follow-up actions are completed and verified, not at the conclusion of the review meeting. - The Quality Review technique is a specific product-focused check, distinct from the broader, ongoing Project Assurance function. - The PRINCE2 Quality Method encompasses various techniques beyond reviews, including inspection, testing, and demonstration. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vtyctj1Ix284/5d4GJNTqdG2_xqXXnd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vtyctj1Ix284/1785533414/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5d4GJNTqdG2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-13-switching-concepts-mac-learning-and-flooding</loc>
    <video:video>
      <video:title>CCNA Exam Prep 13, Switching Concepts MAC Learning and Flooding</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A switch learns MAC addresses by examining the source address of an incoming frame and adding it to its CAM table. - Forwarding and filtering decisions are always based on the destination MAC address in the frame header. - An unknown unicast frame, where the destination is not in the CAM table, is flooded out all ports except the one it was received on. - Dynamically learned MAC address entries are removed from the table after a default aging timer of 300 seconds of inactivity. - Broadcast frames (destination FFFF.FFFF.FFFF) are always flooded, which is different from the conditional flooding of unknown unicast frames. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uzasADisxMSX/zQ5bIMSqIa2_cjtrSF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uzasADisxMSX/1785534982/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zQ5bIMSqIa2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-27-stem-in-early-childhood-block-play-as-engineering</loc>
    <video:video>
      <video:title>CDA Exam Prep 27, STEM in Early Childhood Block Play as Engineering</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How block play teaches core engineering principles like balance, gravity, and stability, aligning with CDA Competency Standard II. - Why using open-ended questions to guide a childs problem-solving during block play is a high-scoring strategy. - How to effectively document block play as a STEM learning experience in your CDA Professional Portfolio. - To identify common CDA exam traps that favor hands-on, play-based learning over technology or worksheets. - How to integrate other simple activities, like water play and cooking, to teach foundational science and math concepts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3je2ApmsxIVW/56yaJhmGJq2_mFKaxz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3je2ApmsxIVW/1785534981/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=56yaJhmGJq2</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-22-project-manager-and-team-manager-roles</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 22, Project Manager and Team Manager Roles</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Project Manager is responsible for the day-to-day management of a project stage, reporting to the Project Board. - The Team Manager is an optional role responsible for executing specific Work Packages delegated by the Project Manager. - A critical exam distinction is the reporting line: The Team Manager reports to the Project Manager, who in turn reports to the Project Board. - Exam questions often test boundary conditions, such as the Project Managers duty to escalate issues exceeding stage tolerance to the Project Board. - The Project Manager operates within the Controlling a Stage process, while the Team Managers domain is the Managing Product Delivery process. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZlrYpBnss-u6/564WJxSXJb2_yJutMY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZlrYpBnss-u6/1785535043/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=564WJxSXJb2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-12-server-virtualization-vms-containers-vrf</loc>
    <video:video>
      <video:title>CCNA Exam Prep 12, Server Virtualization VMs, Containers, VRF</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The performance and use-case differences between Type 1 (bare-metal) and Type 2 (hosted) hypervisors. - How containers differ from VMs by virtualizing the OS and sharing a kernel, making them lightweight and fast. - The function of a virtual switch (vSwitch) in providing Layer 2 connectivity between VMs within a hypervisor. - How Virtual Routing and Forwarding (VRF) creates multiple, isolated routing tables on a single router for Layer 3 segmentation. - To identify common CCNA exam scenarios that test your knowledge of choosing between VMs and containers, or VLANs and VRFs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/u4y-dzSlZIVt/564HJhmGJr2_RQXctF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/u4y-dzSlZIVt/1785535059/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=564HJhmGJr2</video:player_loc>
      <video:duration>187</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-26-inquiry-based-learning-project-approach-and-provocations</loc>
    <video:video>
      <video:title>CDA Exam Prep 26, Inquiry-Based Learning Project Approach and Provocations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to define and use open-ended provocations to spark childrens curiosity without direct instruction. - The three distinct phases of the Project Approach: planning, investigation, and culmination. - The critical role of the teacher as a facilitator and co-researcher in an inquiry-based classroom. - How to identify common exam traps that mistake teacher-directed activities for child-led inquiry. - The importance of documentation panels in assessing learning and engaging families. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wSaEozjAwQKY/zk4Xc2TWJr2_BLifKV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wSaEozjAwQKY/1785535080/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zk4Xc2TWJr2</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-27-quality-register-and-product-description</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 27, Quality Register and Product Description</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A Product Description defines measurable quality criteria and tolerances for a specific product. - The Quality Register acts as a comprehensive log, or diary, for all planned and completed quality activities, not just failures. - A common PRINCE2 exam trap is confusing the individual Product Description with the overall Project Product Description. - The relationship between the two documents: Product Descriptions set quality standards, and the Quality Register tracks the results of checking against those standards. - How to use the mnemonic Purple Cars Drive Quietly To Meet Residents to recall the essential components of a Product Description. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/14ysApOk3YhB/5RyacNnrIb2_TNslpC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/14ysApOk3YhB/1785535042/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5RyacNnrIb2</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-16-vlan-trunking-8021q-and-native-vlan</loc>
    <video:video>
      <video:title>CCNA Exam Prep 16, VLAN Trunking 802.1Q and Native VLAN</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the 802.1Q standard inserts a 4-byte tag into Ethernet frames to carry traffic for multiple VLANs. - The specific function of the Native VLAN and why its frames are sent untagged across a trunk link. - The security vulnerabilities and network issues caused by a Native VLAN mismatch, a common CCNA exam scenario. - The essential Cisco IOS commands, such as switchport mode trunk and switchport trunk native vlan, for trunk configuration. - How Dynamic Trunking Protocol (DTP) modes, including dynamic desirable and dynamic auto, negotiate a trunk link between switches. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tBjYol4ct6vW/57yaJhSqJa2_EsHuEx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tBjYol4ct6vW/1785535042/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=57yaJhSqJa2</video:player_loc>
      <video:duration>170</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-25-planning-steps-and-plan-composition</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 25, Planning Steps and Plan Composition</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The seven sequential steps of the PRINCE2 planning approach, from designing the plan to documenting it. - Why PRINCE2s product-based planning is a critical concept and differs from activity-based approaches. - A common exam trap involving the incorrect sequencing of the estimate and schedule steps. - The key components that make up a formal PRINCE2 Plan, including tolerances, prerequisites, and monitoring approaches. - The mnemonic Dont Panic At Exam Stress, Remember Details to recall the seven planning steps in order for exam day. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3Se2dn9d22oz/5lyHIxnaJq2_kQAWXd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3Se2dn9d22oz/1785535060/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5lyHIxnaJq2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-15-vlan-fundamentals-and-access-ports</loc>
    <video:video>
      <video:title>CCNA Exam Prep 15, VLAN Fundamentals and Access Ports</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That VLANs logically segment a switch into multiple Layer 2 broadcast domains to enhance security and performance. - An access port is a switch port assigned to carry traffic for only one specific VLAN. - By default, all ports on a Cisco switch belong to VLAN 1, which acts as both the default and native VLAN. - VLAN database information is stored in a separate file named vlan.dat in flash memory, not in the startup-config. - The show vlan brief command is the essential tool for verifying VLAN membership and port assignments on a switch. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xOCcwzDd2IMW/zl4bJgTqIb2_XhFlHS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xOCcwzDd2IMW/1785535061/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zl4bJgTqIb2</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-29-supporting-dual-language-learners</loc>
    <video:video>
      <video:title>CDA Exam Prep 29, Supporting Dual Language Learners</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To view a childs home language as the foundation for learning English, not a barrier. - How to support translanguaging, the natural process where children mix languages, as a positive developmental stage. - Why building a strong partnership with families is the first step in supporting a dual language learner, aligning with CDA Competency Goal IV. - To identify common CDA exam traps, such as answer choices that involve correcting a childs language use or promoting an English-only environment. - How to apply the Connect, Dont Correct mental shortcut to scenario-based exam questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Y8iwojyA22V5/5B5qchnqJr2_AthopL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Y8iwojyA22V5/1785535079/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5B5qchnqJr2</video:player_loc>
      <video:duration>214</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-14-forwarding-methods-process-fast-cef</loc>
    <video:video>
      <video:title>CCNA Exam Prep 14, Forwarding Methods Process, Fast, CEF</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Process switching is the slowest forwarding method because the routers main CPU must handle every packet individually. - Fast switching improves performance by creating a route cache after the first packet of a flow is process-switched. - Cisco Express Forwarding (CEF) is the default and fastest method on modern Cisco devices, using specialized hardware for lookups. - CEF relies on two pre-populated data structures: the Forwarding Information Base (FIB), derived from the routing table, and the Adjacency Table, derived from the ARP cache. - The CCNA exam tests your knowledge of the performance differences and the specific components of CEF, like the FIB and Adjacency Table. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0_uooFSlAMmB/575GcNnXIa2_hBjcvv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0_uooFSlAMmB/1785535395/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=575GcNnXIa2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-24-product-based-planning-technique</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 24, Product-Based Planning Technique</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four core steps of PRINCE2s Product-Based Planning technique, starting with the Project Product Description. - The critical difference between a Product Breakdown Structure (PBS), which lists outputs, and a Work Breakdown Structure (WBS), which lists activities. - How a Product Flow Diagram is used to sequence product creation and identify dependencies, distinct from a project schedule. - Why defining products and their specific quality criteria is the foundation for all subsequent planning, including estimating and scheduling. - How to spot common exam traps that test the products before activities philosophy of the PRINCE2 methodology. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tRqswDOt7IL6/4QyGc2TrIG2_KYpQnU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tRqswDOt7IL6/1785535388/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4QyGc2TrIG2</video:player_loc>
      <video:duration>111</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-28-language-development-milestones-babbling-to-grammar-explosion</loc>
    <video:video>
      <video:title>CDA Exam Prep 28, Language Development Milestones Babbling to Grammar Explosion</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific vocabulary counts and sentence structures expected from 12 months to 5 years. - The critical difference between early vowel sounds (cooing) and the introduction of consonants (babbling). - Why having fewer than 50 words at 24 months is a significant red flag requiring a referral for early intervention. - How to identify two-word telegraphic speech as the hallmark of language development around age two. - How the CDA exam will test your knowledge through practical scenarios requiring you to assess a childs language level and determine the appropriate action. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/v_icBj4kAUot/yQ4HcNmqJW2_BLfBMJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/v_icBj4kAUot/1785535411/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yQ4HcNmqJW2</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-23-plans-practice-project-stage-team-exception</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 23, Plans Practice Project, Stage, Team, Exception</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A Project Plan is a high-level document for the entire project, used by the Project Board for oversight. - Stage Plans are detailed, short-term plans created for each management stage and used by the Project Manager for day-to-day control. - Team Plans are optional, created by a Team Manager to detail the execution of a specific Work Package. - An Exception Plan is a reactive plan that replaces a Stage or Project Plan when tolerances are forecast to be breached. - Plans become a baseline against which progress is measured once they are formally approved by the relevant authority. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2TCclB9tEQhq/4k4XINTbJX2_fksNnu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2TCclB9tEQhq/1785535397/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4k4XINTbJX2</video:player_loc>
      <video:duration>217</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-21-project-board-executive-senior-user-senior-supplier</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 21, Project Board Executive, Senior User, Senior Supplier</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Executive holds ultimate accountability for the project and champions the business case. - The Senior User is responsible for specifying user needs and ensuring benefits are realized. - The Senior Supplier represents the technical interests and guarantees the feasibility of the solution. - The Project Board operates by exception, making key decisions at stage boundaries, not managing day-to-day activities. - Exam questions often test the distinct responsibilities and potential conflicts of interest between the three core Project Board roles. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/X7aYBFCdEMTW/465aJ3mrJW2_BdNeiW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/X7aYBFCdEMTW/1785535415/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=465aJ3mrJW2</video:player_loc>
      <video:duration>214</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-11-wireless-principles-rf-channels-ssid</loc>
    <video:video>
      <video:title>CCNA Exam Prep 11, Wireless Principles RF, Channels, SSID</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key trade-offs between the 2.4 GHz, 5 GHz, and 6 GHz Wi-Fi bands, including range, speed, and interference. - Why channels 1, 6, and 11 are the only non-overlapping channels in the 2.4 GHz band and its importance in network design. - The fundamental difference between an SSID (the network name) and a BSSID (the access points unique MAC address). - How proper coverage cell design uses channel rotation to prevent interference and enable seamless roaming. - The function of band steering in dual-band networks to optimize overall wireless performance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wRacFlyA_Uoz/4A5XcgnqIH2_tKVYOd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wRacFlyA_Uoz/1785535407/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4A5XcgnqIH2</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-30-conversation-strategies-serve-and-return</loc>
    <video:video>
      <video:title>CDA Exam Prep 30, Conversation Strategies Serve and Return</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Serve and Return directly relates to CDA Competency Standard II for cognitive and communication development. - To identify the difference between weak, closed-ended responses and strong, open-ended responses in exam scenarios. - How to spot common exam traps, such as confusing one-way narration with a two-way Serve and Return interaction. - The importance of wait time and how a lack of it can signal an incorrect answer on an exam question. - A mnemonic to master the strategy: ACE (Acknowledge, Contribute, Encourage) for high-scoring responses. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/WRqIoj8k7IV5/yk5XIwTHIX2_NgAeQK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/WRqIoj8k7IV5/1785535420/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yk5XIwTHIX2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-10-verification-tools-ping-traceroute-arp</loc>
    <video:video>
      <video:title>CCNA Exam Prep 10, Verification Tools ping, traceroute, ARP</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - ping uses ICMP echo requests/replies to test reachability, with output symbols like ! (success), . (timeout), and U (unreachable) being key troubleshooting clues. - Ciscos traceroute uses UDP packets with incrementing port numbers to map a path, unlike Windows which uses ICMP. - An asterisk () in traceroute output signifies a timeout, often due to a firewall or a router configured not to send ICMP Time Exceeded messages. - ARP resolves Layer 3 IP addresses to Layer 2 MAC addresses but only functions within the local broadcast domain it cannot cross a router. - For IPv6, Neighbor Discovery Protocol (NDP) replaces ARP, using Neighbor Solicitation (NS) and Neighbor Advertisement (NA) messages. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZReopBjd6-St/4B4GcMnbdG2_bjuiqY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZReopBjd6-St/1785535424/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4B4GcMnbdG2</video:player_loc>
      <video:duration>247</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-7-vlsm-and-subnet-planning</loc>
    <video:video>
      <video:title>CCNA Exam Prep 7, VLSM and Subnet Planning</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - VLSM (Variable-Length Subnet Masking) allows using different subnet masks in the same network to conserve IP addresses. - The most critical rule for VLSM planning on the CCNA exam is to always allocate IP blocks from the largest host requirement to the smallest. - Common exam traps include starting with the smallest subnet, miscalculating block boundaries, and creating overlapping address ranges. - To find the correct subnet size, calculate the required host bits (2n - 2 = hosts) and use that to determine the CIDR mask. - A helpful mnemonic for VLSM planning is: Large to Small, or Youll Waste it All. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JGrI2tXjxWyY/ysrOI2SXcr2_AyaemU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JGrI2tXjxWyY/1785536848/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ysrOI2SXcr2</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-16-change-management-the-people-side</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 16, Change Management The People Side</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That project success hinges on people adopting new ways of working, not just on delivering a technical solution. - How the PRINCE2 exam tests your understanding of the difference between formal change control and organizational change management. - The critical role of the Project Executive (Sponsor) in actively championing the change to ensure benefits are realized. - Common exam traps related to low user adoption despite a project being on time and within budget. - A memorable mnemonic, CARE (Champion, Awareness, Reinforcement, Engagement), to recall the key aspects of the people side of change. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JKfANfqrtG46/4YXjdxmHdq2_QQwSQF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JKfANfqrtG46/1785536845/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4YXjdxmHdq2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-6-ipv4-subnetting-without-a-calculator</loc>
    <video:video>
      <video:title>CCNA Exam Prep 6, IPv4 Subnetting Without a Calculator</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To calculate a subnets block size instantly using the 256 minus the masks interesting octet trick. - To identify an IP addresss network and broadcast addresses using the calculated block size. - The difference between total IP addresses in a subnet (2h) and usable host addresses (2h - 2), a common exam trap. - How to quickly convert between subnet mask decimal notation (e.g., 255.255.255.224) and CIDR slash notation (e.g., /27). - To apply the Block Size is Boss mental shortcut to anchor your subnetting calculations under exam pressure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fGbk2vWrZ8Az/yYrPcMSHcq2_JMOzGg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fGbk2vWrZ8Az/1785536849/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yYrPcMSHcq2</video:player_loc>
      <video:duration>233</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-20-gross-motor-development-milestones-birth-to-5</loc>
    <video:video>
      <video:title>CDA Exam Prep 20, Gross Motor Development Milestones Birth to 5</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To recognize the cephalocaudal (head-to-toe) progression of motor skills in infants. - To distinguish between age-appropriate mobility skills, such as walking confidently (1-2 years) versus pedaling a tricycle (3-4 years). - To identify the sequence of complex locomotion: running, then jumping, then hopping, and finally skipping. - To understand the core principle of planning for the next emerging skill, not pushing a child beyond their current ability. - To use the mnemonic Head, Sit, Crawl, Walk, Run, Jump, Skip to recall the major gross motor milestones in order. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NKfYIt1rwKAA/ycq4JxmqIa2_MDtCEo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/NKfYIt1rwKAA/1785536851/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ycq4JxmqIa2</video:player_loc>
      <video:duration>217</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-25-vygotsky-and-the-zone-of-proximal-development</loc>
    <video:video>
      <video:title>CDA Exam Prep 25, Vygotsky and the Zone of Proximal Development</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To define the Zone of Proximal Development (ZPD) as the critical gap between a childs independent abilities and their potential with guidance. - How to apply the concept of scaffolding as temporary, adjustable support that is gradually withdrawn as a child masters a new skill. - To recognize that a More Knowledgeable Other (MKO) can be a peer, not exclusively an adult educator, a common point of testing. - To identify exam traps that confuse effective scaffolding with simply completing a task for a child. - To understand a childs private speech (self-talk) as a healthy Vygotskian tool for problem-solving and self-regulation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dbyQMhrr_O54/ydq5INnXcr2_hVKwex.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/dbyQMhrr_O54/1785536914/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ydq5INnXcr2</video:player_loc>
      <video:duration>75</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-20-organizing-four-project-management-levels</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 20, Organizing Four Project Management Levels</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The highest level, Corporate or Programme Management, commissions the project and sets overall tolerances but is not part of the day-to-day project. - The Directing level is the Project Board, which is accountable for the projects success and makes key go/no-go decisions between stages. - The Managing level is the Project Managers responsibility, focusing on the day-to-day execution within the tolerances set by the board. - The Delivering level is where Team Managers and teams create the specialist products as defined in Work Packages. - A common exam trap is confusing roles with headcount one person can hold multiple roles in a PRINCE2 project structure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/aveIUdaj-0rt/yZqjI3THcr2_FFznDl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/aveIUdaj-0rt/1785536925/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yZqjI3THcr2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-24-piagets-stages-applied-in-early-childhood</loc>
    <video:video>
      <video:title>CDA Exam Prep 24, Piagets Stages Applied in Early Childhood</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Object permanence is a key milestone in the Sensorimotor stage, tested by your ability to plan activities like peek-a-boo. - The Preoperational stage is defined by symbolic thought, which is why dramatic play is a critical learning tool for preschoolers. - Egocentrism in young children is a cognitive limitation, not a behavioral flaw your role is to model perspective-taking. - Preschoolers lack conservation, meaning they judge quantity by appearance, a crucial concept for managing classroom materials and snacks. - The CDA exam will test your application of Piagets theory through scenario-based questions, not just rote memorization of stage names. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/efmA2hqa7Ozy/yJrOJhTHcb2_XBvQtg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/efmA2hqa7Ozy/1785536927/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yJrOJhTHcb2</video:player_loc>
      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-19-benefits-management-approach-and-realization</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 19, Benefits Management Approach and Realization</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The crucial difference between the Business Case (the why) and the Benefits Management Approach (the how). - That the Senior User, not the Project Manager, is the role accountable for realizing the projects benefits. - Why most benefits are measured and achieved only after the project has formally closed. - How benefits are formally reviewed at stage boundaries and post-project to ensure continued business justification. - The importance of handing over the Benefits Management Approach during project closure for long-term tracking. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Nrq-2tHyB8yZ/yJXzcMnWdr2_AFiSsn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Nrq-2tHyB8yZ/1785536926/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yJXzcMnWdr2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-9-ipv6-configuration-slaac-dhcpv6-eui-64</loc>
    <video:video>
      <video:title>CCNA Exam Prep 9, IPv6 Configuration SLAAC, DHCPv6, EUI-64</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How SLAAC uses Router Advertisements (RAs) to allow a host to self-assign an IPv6 address using a provided network prefix. - The EUI-64 process creates a 64-bit interface ID by splitting a MAC address, inserting FFFE in the middle, and flipping the 7th bit. - Stateful DHCPv6, triggered by the M flag in RAs, provides full address assignment and tracking, similar to DHCP for IPv4. - Stateless DHCPv6, triggered by the O flag, works with SLAAC to provide supplemental information like DNS servers without tracking addresses. - IPv6 Privacy Extensions (RFC 4941) generate random interface IDs as an alternative to EUI-64 to prevent a host from being tracked across networks. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Gfu26bLj_KX6/ytXPc3TWcb2_TpDjbh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Gfu26bLj_KX6/1785536951/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ytXPc3TWcb2</video:player_loc>
      <video:duration>256</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-18-business-case-composition-outline-vs-detailed</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 18, Business Case Composition Outline vs Detailed</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Outline Business Case is created in the Starting Up a Project process to justify initiating the project. - The Detailed Business Case is developed during the Initiating a Project process to secure full project funding. - Exam questions often use scenarios to test your ability to distinguish which Business Case is being developed based on the level of detail. - A common exam trap is forgetting that the Business Case is a living document, verified at each stage boundary to ensure continued business justification. - Use the mnemonic SU-O, IP-D to remember that Starting Up produces the Outline, and Initiating produces the Detailed Business Case. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/IbCYYdvjFOZq/4tWOJgmWIr2_rCtVoi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/IbCYYdvjFOZq/1785536940/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4tWOJgmWIr2</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-22-sensory-and-perceptual-development</loc>
    <video:video>
      <video:title>CDA Exam Prep 22, Sensory and Perceptual Development</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to identify and support all seven senses in early childhood, including the often-overlooked vestibular and proprioceptive systems. - The difference between sensory-seeking and sensory-avoidant behaviors and how to adapt activities for both. - How the CDA exam uses scenario-based questions to test your application of sensory development principles. - Common exam traps, such as the one-size-fits-all approach to sensory activities. - A memorable phrase, Observe and Adjust to Earn their Trust, to guide your responses to childrens sensory needs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/arikVtur_0rW/ytW4cwTHIb2_zzxyAd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/arikVtur_0rW/1785536946/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ytW4cwTHIb2</video:player_loc>
      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-17-business-case-practice-purpose-and-justification</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 17, Business Case Practice Purpose and Justification</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Business Case is the core PRINCE2 document providing the rationale for a projects existence and is compulsory for all projects. - The Project Board Executive, not the Project Manager, is the ultimate owner of the Business Case and is accountable for its viability. - The principle of Continued Business Justification requires the Business Case to be a living document, reviewed and updated at every stage boundary. - A common exam trap is confusing the Business Case (the why) with the Benefits Management Approach (the how of measuring benefits). - If a projects justification ceases to be valid at any point, the Business Case serves as the trigger to stop or fundamentally change the project. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KbicIhLiAWz5/4ZqyJ3SHJr2_HPwPzE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KbicIhLiAWz5/1785536932/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4ZqyJ3SHJr2</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-21-fine-motor-development-pincer-grasp-to-writing</loc>
    <video:video>
      <video:title>CDA Exam Prep 21, Fine Motor Development Pincer Grasp to Writing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The six key stages of grip development, from the reflexive palmar grasp in infants to the mature dynamic tripod grip used for writing. - How to identify the typical age ranges for critical fine motor milestones, including the pincer grasp which emerges around 8-12 months. - The predictable progression of scissor skills, starting with snipping at age two and advancing to cutting complex shapes by age five. - To select developmentally appropriate activities, such as using playdough or tongs, to build the essential hand strength required for writing. - How to avoid the common exam trap of incorrectly expecting a young child to demonstrate a perfect pencil grip before they are developmentally ready.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/grmIRhXrB855/yZWjcwSXJb2_MXJarz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/grmIRhXrB855/1785536953/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yZWjcwSXJb2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-15-stakeholder-engagement-and-management</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 15, Stakeholder Engagement and Management</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to classify stakeholders using the four quadrants of the power/interest grid. - The direct relationship between stakeholder analysis and the Communication Management Approach. - The three specific stakeholder interests represented on the PRINCE2 Project Board: Business, User, and Supplier. - Why stakeholder engagement is a continuous process that must be re-evaluated at stage boundaries. - How to spot common exam traps that test precise PRINCE2 terminology over generic project management terms. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/GrqQ_duyF86Y/yZrOIwnHJq2_PCNvkc.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yZrOIwnHJq2</video:player_loc>
      <video:duration>206</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-23-self-help-and-adaptive-skills-independence</loc>
    <video:video>
      <video:title>CDA Exam Prep 23, Self-Help and Adaptive Skills Independence</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Key developmental milestones for self-feeding (12-18mo), toileting (2-3yr), and dressing (3-4yr) for the CDA exam. - How to analyze scenario-based questions about fostering independence and choose the best educator response. - Common exam traps, such as confusing genuine support with taking over a task for a child. - The importance of an adapted and accessible environment in promoting childrens self-help skills. - A simple mnemonic, WAIT (Watch, Adapt, Invite, Team up), to recall best practices for supporting child autonomy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/GGa-3heaES65/zIWPJNTXdq2_WuTNjr.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/GGa-3heaES65/1785537079/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zIWPJNTXdq2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-5-ipv4-addressing-basics-and-private-ranges</loc>
    <video:video>
      <video:title>CCNA Exam Prep 5, IPv4 Addressing Basics and Private Ranges</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three RFC 1918 private IPv4 address ranges you must memorize: 10.0.0.0/8, 172.16.0.0/12, and 192.168.0.0/16. - How to spot the common CCNA exam trap involving the 172.16.0.0 to 172.31.255.255 private range. - The function of special addresses like the 127.0.0.0/8 loopback block for testing and the 169.254.0.0/16 APIPA range which indicates a DHCP failure. - The difference between historical address classes (A, B, C) and how they relate to default subnet masks still relevant for the exam. - The core networking strategy of using private addresses for internal LANs and Network Address Translation (NAT) for internet connectivity. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/aKi-IrLjAWZ7/zYXid3mHcb2_XsiGID.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/aKi-IrLjAWZ7/1785537081/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zYXid3mHcb2</video:player_loc>
      <video:duration>229</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-19-outdoor-learning-environments-loose-parts-and-nature</loc>
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      <video:title>CDA Exam Prep 19, Outdoor Learning Environments Loose Parts and Nature</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the CDA views the outdoors as an essential, intentional extension of the classroom. - Why prioritizing loose parts and natural elements like logs and sticks is critical for fostering cognitive development. - The importance of implementing daily outdoor time in all types of weather with appropriate preparation. - How to apply a risk-benefit analysis to outdoor play, allowing for manageable challenges that build competence. - A simple mnemonic, Logs, not plastic blogs, to focus on open-ended, natural materials for your learning environment. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JGykVfqy-GrB/zcX5c2nHcq2_JPWLyG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JGykVfqy-GrB/1785537080/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zcX5c2nHcq2</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-11-principle-tailored-to-suit-the-project</loc>
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      <video:title>PRINCE2 Exam Prep 11, Principle Tailored to Suit the Project</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Tailoring means adapting the PRINCE2 method to fit a projects specific size, complexity, and risk level. - A common exam trap is confusing tailoring (project-specific adaptation) with embedding (organization-wide adoption). - All tailoring decisions must be formally documented in the Project Initiation Documentation (PID). - The 7th edition of PRINCE2 makes tailoring a mandatory requirement, a significant update from previous versions. - Inappropriate tailoring, such as skipping essential controls on a high-risk project or attempting to tailor the seven core principles, is a common failure point tested in scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/N0asYtTPBKW6/XZyzINmrIq2_ChUzGp.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XZyzINmrIq2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-1-osi-and-tcpip-layered-models</loc>
    <video:video>
      <video:title>CCNA Exam Prep 1, OSI and TCP/IP Layered Models</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The names and functions of the 7 layers of the OSI model. - How the 4-layer TCP/IP model maps to the more theoretical OSI model. - The process of encapsulation and decapsulation as data moves through the network stack. - The specific Protocol Data Units (PDUs) used at key layers: segments, packets, and frames. - How to apply the layered models as a systematic framework for troubleshooting network issues on the CCNA exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/e0yY2d5W_0W5/XJyjJxSaIa2_DLgNcu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/e0yY2d5W_0W5/1785540445/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XJyjJxSaIa2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-15-safe-sleep-practices-for-infants-back-to-sleep</loc>
    <video:video>
      <video:title>CDA Exam Prep 15, Safe Sleep Practices for Infants Back to Sleep</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The ABCs of Safe Sleep (Alone, Back, Crib) as a critical mnemonic for the CDA exam. - Why a bare crib with a firm, flat surface is the only acceptable sleep environment for infants. - How the CDA exam uses scenario-based questions to test your application of safe sleep policies. - To identify common exam traps, such as justifying unsafe practices for an infants comfort. - Key details including the use of sleep sacks instead of blankets and the absolute prohibition of bottle propping. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/h3DY-v5560Rr/rdzOJhnrIr2_iKqIbI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/h3DY-v5560Rr/1785540433/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rdzOJhnrIr2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-10-principle-focus-on-products</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 10, Principle Focus on Products</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That PRINCE2 projects are output-oriented, focusing on delivering products rather than just completing activities. - How the Product Description document is used to define a products purpose, composition, quality criteria, and acceptance methods. - Why a focus on products is the primary defense against scope creep and stakeholder disputes. - How exam questions test this principle through scenarios involving unclear requirements or quality disagreements. - The key difference between a Product Breakdown Structure (what will be made) and a Work Breakdown Structure (how it will be made). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/H0ysZdjW_0t6/Xd54IMTbIq2_LHhEOA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/H0ysZdjW_0t6/1785540440/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xd54IMTbIq2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-14-mental-health-trauma-informed-care-and-aces</loc>
    <video:video>
      <video:title>CDA Exam Prep 14, Mental Health, Trauma-Informed Care, and ACEs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Adverse Childhood Experiences (ACEs) impact a childs brain development, learning capacity, and emotional regulation. - The core principles of trauma-informed care, including creating safety, offering choices, and maintaining predictable routines. - To recognize that challenging behaviors like regression or aggression can be communications of stress, not acts of defiance. - To define your professional boundaries: your role is to provide a secure environment and connect families with resources, not to diagnose or provide therapy. - How to use the CARE mnemonic (Consistency, Attunement, Routines, Empathy) to select the best responses in exam scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KKucZvPX6Wrz/rd55I3maIq2_eyjdzz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KKucZvPX6Wrz/1785540436/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rd55I3maIq2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-8-ipv6-addressing-format-and-types</loc>
    <video:video>
      <video:title>CCNA Exam Prep 8, IPv6 Addressing Format and Types</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - IPv6 addresses are 128 bits, written as eight, 16-bit hexadecimal groups. - How to apply the two compression rules: omitting leading zeros and using the double colon (::) only once. - To identify unicast address types by their prefixes: Global (2000::/3), Unique Local (FC00::/7), and Link-Local (FE80::/10). - That IPv6 uses multicast (FF00::/8) and anycast, and has completely eliminated broadcast addresses. - Common CCNA traps like invalid address compression or choosing the wrong address type for a given network scenario. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fWqM3djO_KWy/qIz5IMmadG2_oGEXPm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fWqM3djO_KWy/1785540416/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qIz5IMmadG2</video:player_loc>
      <video:duration>217</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-14-communication-and-collaboration-in-prince2</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 14, Communication and Collaboration in PRINCE2</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The central role of the Communication Management Approach in PRINCE2 projects. - How to differentiate the Communication Management Approach from a simple communication plan for the exam. - Key strategies for managing communication and collaboration within virtual or hybrid teams. - The importance of tailoring communication methods, like daily stand-ups versus formal reports, to fit the projects context. - Why active listening is a critical, and testable, skill for a PRINCE2 Project Manager. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/f0uk_diO_OW4/WsyiJxmHcG2_lnBZgn.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WsyiJxmHcG2</video:player_loc>
      <video:duration>168</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-4-cabling-types-fiber-and-copper</loc>
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      <video:title>CCNA Exam Prep 4, Cabling Types Fiber and Copper</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to differentiate Single-Mode Fiber for long-distance links from Multi-Mode Fiber for shorter, cost-effective runs. - To identify the minimum UTP Copper category required for specific speeds and distances, such as Cat6a for 10 Gbps at 100 meters. - The specific use cases for straight-through (dissimilar devices) and crossover (similar devices) cables as required by the CCNA exam. - How to recognize common fiber optic connectors like the small form-factor LC and the push-pull SC connectors. - To avoid common exam traps by selecting the most cost-effective and appropriate cabling solution, even when more advanced options would also function. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/aJrk_d9OAOi5/qsyjJwnGcG2_VeeeTk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/aJrk_d9OAOi5/1785540423/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qsyjJwnGcG2</video:player_loc>
      <video:duration>228</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-18-daily-schedule-design-balance-and-predictability</loc>
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      <video:title>CDA Exam Prep 18, Daily Schedule Design Balance and Predictability</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to create a balanced schedule by alternating active/quiet, indoor/outdoor, and child-directed/teacher-led activities. - Why a predictable routine is essential for a childs sense of security and how to remain flexible for teachable moments. - The critical importance of providing long, uninterrupted blocks of free play (45-60 minutes) to foster deep engagement and learning. - Strategies for minimizing stressful transitions and using visual schedules to support all children, including non-readers and those with special needs. - How to integrate non-negotiable biological needs like meals, snacks, and rest time into the daily plan. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/K0Cc7hPH7GyY/WIy5c2SGcG2_znbgzo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/K0Cc7hPH7GyY/1785540417/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WIy5c2SGcG2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-13-leading-project-teams-and-empowerment</loc>
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      <video:title>PRINCE2 Exam Prep 13, Leading Project Teams and Empowerment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The PRINCE2 Project Managers role blends leadership with a servant leadership philosophy to enable team success. - Manage by Exception is the core PRINCE2 principle for empowerment, providing autonomy within defined limits. - Effective delegation in PRINCE2 is impossible without clearly defined and agreed-upon tolerances for time, cost, scope, and quality. - Exam questions often test leadership skills through scenarios, favoring coaching and support over direct commands. - Trust is built through the consistent application of the PRINCE2 framework and clear communication, which are essential for effective delegation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gnbs6rTO2Sdz/qc5ichSGdG2_Hcqazy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gnbs6rTO2Sdz/1785540529/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qc5ichSGdG2</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-17-materials-selection-open-ended-anti-bias-culturally-reflective</loc>
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      <video:title>CDA Exam Prep 17, Materials Selection Open-Ended, Anti-Bias, Culturally Reflective</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to distinguish between open-ended materials that foster creativity and close-ended toys for CDA exam scenarios. - To apply the mirrors and windows framework to select materials that reflect childrens identities and introduce diverse perspectives. - To identify and avoid common stereotypes in cultural materials, opting for authentic items instead. - Why anti-bias materials must encompass diversity in race, family structure, ability, and gender. - The importance of rotating materials to maintain child engagement, a key concept in classroom management questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bzzc_d4PZ4Gr/WY5PINmqJX2_dFxLdo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bzzc_d4PZ4Gr/1785540522/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WY5PINmqJX2</video:player_loc>
      <video:duration>272</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-12-importance-of-people-in-successful-projects</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 12, Importance of People in Successful Projects</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why the PRINCE2 7th Edition introduced the People integrated element as a core concept. - How to answer scenario questions about leading change and overcoming stakeholder resistance. - The importance of tailored communication and collaboration strategies for project teams. - To avoid the common exam trap of prioritizing rigid processes over human dynamics. - A memorable phrase to help you focus on the human element during the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/aDrUJtTXs4dY/Wc5OdxmXJG2_CYaJaG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/aDrUJtTXs4dY/1785540514/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Wc5OdxmXJG2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-2-network-components-routers-switches-firewalls-aps</loc>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Routers operate at Layer 3 to forward packets between different networks and separate broadcast domains. - Switches operate at Layer 2, using MAC addresses to forward frames within the same local network. - Firewalls provide stateful security by inspecting and filtering traffic based on the state of connections. - Access Points act as a Layer 2 bridge, connecting wireless clients to a wired Ethernet network. - The distinction between a routers role (inter-network) and a switchs role (intra-network) is a core CCNA concept. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to strategically separate quiet and active interest centers to avoid common exam traps. - Why clear traffic paths are a critical factor in both safety and classroom management scenarios. - The importance of child-level material access and displays for fostering autonomy. - How cultural representation in the physical environment is tested on the CDA exam. - The PATHS mnemonic to quickly evaluate any classroom layout for key exam criteria. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Manage by Exception uses delegated authority and tolerances to empower Project Managers and reduce senior management overhead. - The six performance aspects that must have tolerances set: Time, Cost, Quality, Scope, Benefits, and Risk. - The critical difference between an issue, which a Project Manager may handle, and an exception, which must be escalated. - Why the Exception Report is the correct first step when a tolerance is forecast to be breached. - How exam questions use scenarios to test your understanding of when and how to apply the Manage by Exception principle. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To differentiate 3-tier (Access, Distribution, Core) for large campus networks from 2-tier (Collapsed Core) for smaller enterprises. - To recognize spine-leaf architecture as the modern standard for data centers, optimized for east-west server-to-server traffic. - To contrast WAN topologies: Hub-and-spoke for cost-effective centralized branch connectivity versus full-mesh for maximum redundancy at a higher cost. - To identify SOHO topologies as simple, often single-device setups for home or small business use cases. - The fundamental tradeoffs between on-premise (control, capital expense) and cloud (scalability, operational expense) network models. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific fever threshold for exclusion is 100.4F, and a child must be fever-free for 24 hours without medication to return. - Exclusion for vomiting requires two or more episodes within a 24-hour period, not just a single instance. - A rash typically requires exclusion only when accompanied by a fever or significant behavioral changes. - Children with bacterial infections like strep throat or pink eye can return 24 hours after their first dose of antibiotics. - The crucial distinction for return-to-care is being symptom-free for a full 24 hours WITHOUT the use of symptom-reducing medications. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A PRINCE2 project must have at least two management stages: an initiation stage and a minimum of one delivery stage. - Stage boundaries are formal control points where the Project Board reviews progress and the Business Case to make a go/no-go decision. - Detailed planning is done on a stage-by-stage basis, which is known as rolling wave planning, to avoid wasted effort on long-term, uncertain plans. - The Project Manager recommends, but only the Project Board has the authority to approve an End Stage Report and authorize the next Stage Plan. - Management stages for project governance are distinct from technical stages for specialist work, and the exam will test your ability to differentiate them. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The educators role in conflict is to be a coach who guides, not a judge who solves. - Why acknowledging childrens feelings is a critical first step before any problem-solving can occur. - How the HighScope model empowers children by asking them to generate their own solutions to conflicts. - To identify common CDA exam traps, such as imposing adult-led solutions or focusing on blame. - A simple mnemonic phrase to remember the six steps: Calmly see the feelings, get the facts, say it back, ask for a fix, and stick around. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Preparing for the PTCE, ExCPT, NAPLEX, MPJE, PTCB certification, or another pharmacy exam? OpenExamPrep offers free practice questions and explanations across more than 10,000 exams. Find your pharmacy credential and practice free: https://open-exam-prep.com/search Review calculations, medication safety, pharmacy law, dispensing, and pharmacology one question at a time. PTCE NAPLEX PharmacyTechnician ExamPrep Shorts</video:description>
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      <video:description>Preparing for the NCLEX-RN, NCLEX-PN, TEAS, HESI A2, CNA, AANP FNP, ANCC certification, or another nursing and healthcare exam? OpenExamPrep offers free practice questions and explanations across more than 10,000 exams. Find your exact exam and practice free: https://open-exam-prep.com/search Strengthen clinical judgment and review one question at a time. NCLEX NursingStudents TEASExam ExamPrep Shorts</video:description>
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      <video:description>Preparing for the ASVAB, AFOQT, a police officer or firefighter entrance exam, civil service, USPS 474, correctional officer testing, TSA CBT, a DMV permit test, or citizenship exam? OpenExamPrep provides free practice questions and explanations across more than 10,000 exams. Search for the specific local, state, national, or international test you are taking. Find your exam and practice free: https://open-exam-prep.com/search ASVAB PoliceExam FirefighterExam CivilService Shorts</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The primary purpose of RESPA and how illegal kickbacks are tested. - The key disclosures required by the Truth in Lending Act (TILA) and Regulation Z. - The strict timing requirements for the Loan Estimate and Closing Disclosure under the TRID rule. - The protected classes under the Equal Credit Opportunity Act (ECOA) and common violation scenarios. - How to distinguish between RESPA, TILA, and ECOA on the California real estate exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To analyze every AFOQT SJT question through the lens of the three Air Force Core Values: Integrity First, Service Before Self, and Excellence In All We Do. - That Integrity First requires choosing the honest and morally courageous option, even when its difficult or unpopular. - How Service Before Self means prioritizing the mission, the team, and the Air Force over personal convenience or relationships. - That Excellence In All We Do involves selecting the response that promotes quality, continuous improvement, and mission success without cutting corners. - How to identify and avoid common exam traps like bypassing the chain of command, hiding problems, or prioritizing peer loyalty over professional duty. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>AFOQT Exam Prep 19, Ratio and Proportion Direct and Inverse</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Direct proportion means as one value increases, the other increases solve using cross-multiplication (a/b = c/d). - Inverse proportion means as one value increases, the other decreases solve by finding the constant product (e.g., worker-hours). - A common exam trap is incorrectly applying direct proportion cross-multiplication to an inverse relationship problem. - For problems with a total quantity and a ratio (e.g., 3:5 with a total of 800), sum the ratio parts first (3+5=8) to find the value of one part. - Mnemonic: More means more, so make a cross for direct proportions, and More means less, so multiply across for inverse proportions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CTewQpXcBQoj/Ds4WRMKWR42_OZblqT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CTewQpXcBQoj/1787362737/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ds4WRMKWR42</video:player_loc>
      <video:duration>91</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-55-poct-glucose-fingerstick-technique</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 55, POCT Glucose Fingerstick Technique</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why washing with soap and water is the correct exam answer over using alcohol for site preparation. - The critical reason for wiping away the first drop of blood to avoid sample contamination with interstitial fluid. - The difference between applying gentle pressure versus the incorrect technique of milking the finger. - How to handle and report critical glucose values, a key patient safety topic on the exam. - The required frequency of quality control (QC) checks to ensure meter accuracy before patient testing. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/77mwIp0lB-oG/DtyWR3LXRP2_RjsiLX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/77mwIp0lB-oG/1787362756/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DtyWR3LXRP2</video:player_loc>
      <video:duration>100</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-66-signer-location-during-ron-notary-must-be-in-az</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 66, Signer Location During RON Notary Must Be in AZ</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary must be physically located within the state of Arizona when performing any Remote Online Notarization (RON). - The document signer, or remotely located individual, can be physically present anywhere in the world during a RON. - A notarial act is invalid if an Arizona-commissioned notary performs a RON while they are physically outside of Arizona, such as while on vacation. - Exam questions often use scenarios to test this jurisdictional rule, creating traps by focusing on the signers location instead of the notarys. - The mnemonic Arizona commission, Arizona location helps reinforce that the notarys physical presence in Arizona is mandatory for a valid RON. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AVmoNpqA6MTb/06zHQNKWRy2_lErziP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/AVmoNpqA6MTb/1787362757/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=06zHQNKWRy2</video:player_loc>
      <video:duration>119</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-30-arterial-puncture-recognition</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 30, Arterial Puncture Recognition</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To recognize an arterial puncture by its three key signs: bright red blood, pulsating flow, and rapid tube filling. - That the immediate and highest priority action is to withdraw the needle and apply firm, direct pressure. - Why pressure must be held for a minimum of five minutes to prevent hematoma formation due to high arterial pressure. - That the basilic vein is the most common site for accidental arterial puncture due to its proximity to the brachial artery. - How to properly handle the situation after ensuring patient safety, including documenting the event and labeling the sample as arterial. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/y7qwQzat7IfQ/0lybkwKrlz2_fqamJu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/y7qwQzat7IfQ/1787362771/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0lybkwKrlz2</video:player_loc>
      <video:duration>121</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-13-four-year-commission-term</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 13, Four-Year Commission Term</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific four-year length of an Arizona notary commission as defined by statute. - Why the commission expiration date is a mandatory and testable element of the official notary seal. - The critical fact that the renewal process is identical to the initial application process, with no shortcuts. - The non-existence of a grace period for renewing an expired commission and its legal consequences. - A simple mnemonic to recall the four key renewal requirements tied to the four-year term. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FVuE7pflE2Mi/uR5al3fqkz2_tOFwOF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FVuE7pflE2Mi/1787362773/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uR5al3fqkz2</video:player_loc>
      <video:duration>113</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-91-notarizing-for-minors</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 91, Notarizing for Minors</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific types of government-issued identification acceptable for a minor signer under Arizona law (A.R.S. 41-311). - Why a school-issued ID is a common exam trap and is never sufficient for a notarial act in Arizona. - Permissible examples of documents a minor might have notarized, such as passport consent forms. - A notarys responsibility to assess a minors willingness and understanding of the document they are signing. - The critical prohibition against notarizing a minors signature on a contract they are not legally able to enter. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DPaEVDHd6QeH/0RzbRxLWRy2_oiAdaX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DPaEVDHd6QeH/1787362739/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0RzbRxLWRy2</video:player_loc>
      <video:duration>126</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-85-professional-ethics-and-scope-of-practice</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 85, Professional Ethics and Scope of Practice</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The five core duties that are within the phlebotomists scope of practice, including patient identification, collection, labeling, transport, and basic point-of-care testing. - Why interpreting results, providing a diagnosis, or advising on treatment is strictly outside your professional boundaries. - How exam questions create scenarios to trap you into choosing a helpful response that constitutes giving medical advice. - The correct professional response when a patient asks for information about their tests, results, or symptoms is to defer to a nurse or physician. - A simple mnemonic to remember your primary role: Collect, Label, Transport, and Defer the Rest. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zVygZnWB-QMO/1Q4GlhfWky2_xuzeZG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zVygZnWB-QMO/1787362760/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1Q4GlhfWky2</video:player_loc>
      <video:duration>126</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-21-journal-retention</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 21, Journal Retention</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Upon commission termination, a notarys journal and seal must be delivered to the Arizona Secretary of State, not the County Recorder. - Delivery of the journal and records must be done via certified mail or another method that provides a receipt for proof. - A notary who neglects to deposit their records for three months after their commission ends may face a monetary penalty. - The requirement to report a lost or stolen journal to the Secretary of State has a strict 10-day deadline. - The civil penalty for failing to report a lost or stolen journal can be up to 1,000, a separate issue from surrendering the journal post-commission. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-9C2RFLl-InQ/1k4HQhfWlj2_mnInai.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-9C2RFLl-InQ/1787362748/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1k4HQhfWlj2</video:player_loc>
      <video:duration>126</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-14-renewal-process</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 14, Renewal Process</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the Arizona notary renewal process is identical to a new application, with no automatic renewal or grace period. - A renewal packet requires a new application, a 43 fee, and a new four-year, 5,000 surety bond. - As of July 2025, all renewing notaries must pass an open-book state exam with a score of 80% or higher. - Upon renewal, you receive a new four-year commission and must obtain a new notary seal with the updated expiration date. - A common exam trap involves the timing of using your new seal you cannot use it before the official start date of your new commission. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/D9uQ_zfA-Mni/vAzakxeGkj2_VBWBYv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/D9uQ_zfA-Mni/1787362748/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vAzakxeGkj2</video:player_loc>
      <video:duration>123</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-69-certificates-of-insurance</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 69, Certificates of Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That a Certificate of Insurance (COI) is only evidence of a policys existence at a specific point in time. - Why a COI does not grant any policy rights or coverage to the certificate holder. - The critical difference between a certificate holder and a true additional insured status, which requires a policy endorsement. - That cancellation notices on a COI are not binding on the insurer unless they reflect the actual terms of the policy. - That a COI cannot amend, alter, or extend the terms and conditions of the insurance policy itself. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/A_mAZBaAAINa/vRzHlxLbli2_lQLuHl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/A_mAZBaAAINa/1787362751/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vRzHlxLbli2</video:player_loc>
      <video:duration>133</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/california-real-estate-exam-prep-2026-complete-free-50-lesson-course</loc>
    <video:video>
      <video:title>California Real Estate Exam Prep 2026: Complete FREE 50-Lesson Course</video:title>
      <video:description>California Real Estate Exam Prep starts here. This video introduces the complete Open Exam Prep California salesperson study playlist: 50 numbered lessons followed by related long-form guides, with Shorts intentionally excluded. Current California salesperson exam snapshot: - 150 multiple-choice questions - 3-hour time limit - Passing score: 70% - 135 hours of required pre-license education - Administered by the California Department of Real Estate Full course playlist: https://www.youtube.com/playlist?list=PLFzbuFHSad18 The course covers DRE authority, licensing, discipline, trust funds, property ownership, land use, agency, fiduciary duties, valuation, real estate math, financing, title, escrow, property transfer, contracts, disclosures, fair housing, advertising, property management, ethics, and exam strategy. Free California real estate practice questions: https://open-exam-prep.com/practice/ca-real-estate Complete California real estate study guide: https://open-exam-prep.com/study-guides/ca-real-estate Long-form California real estate guide: https://open-exam-prep.com/blog/california-real-estate-exam-guide-2026 Official California Department of Real Estate examination information: https://www.dre.ca.gov/examinees/ Always confirm current eligibility, fees, scheduling, and examination requirements with the California Department of Real Estate. CaliforniaRealEstate CaliforniaDRE RealEstateExam RealEstateLicense ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:37 - Scene 2 1:17 - Scene 3 1:48 - Next steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/yRCQVlqlE2VO/1B4GRMfXlj2_DjTCeA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/yRCQVlqlE2VO/1787362772/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1B4GRMfXlj2</video:player_loc>
      <video:duration>131</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-33-personal-auto-exclusions</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 33, Personal Auto Exclusions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the personal auto policy excludes intentional acts because insurance is designed to cover accidents, not deliberate harm. - How to distinguish between permissible business use and the excluded activity of using a vehicle as a public or livery conveyance for a fee. - Why coverage is denied for any person using a vehicle without a reasonable belief that they are entitled to do so. - The reason vehicles furnished or available for an insureds regular use, such as a company car, are not covered under a personal auto policy. - That participation in any prearranged racing or speed contest is a standard exclusion that will be tested with scenario-based questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zVug7l1kAQpH/vRyHRxeXlj2_ZOsAFm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zVug7l1kAQpH/1787362780/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vRyHRxeXlj2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-20-thumbprint-in-journal-real-property-documents</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 20, Thumbprint in Journal Real Property Documents</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - When an Arizona notary must obtain a thumbprint in their journal for real property documents. - The specific types of documents, like deeds and powers of attorney, that trigger the thumbprint requirement. - The mandatory action a notary must take if a signer refuses to provide their thumbprint for a covered document. - How to handle situations where a signer is physically unable to provide a right thumbprint. - Common exam questions and traps related to Arizonas journal thumbprint law. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CVqINlGlA-fQ/vlzak3fXkz2_BFLRVe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CVqINlGlA-fQ/1787362765/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vlzak3fXkz2</video:player_loc>
      <video:duration>132</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-2026-complete-free-75-lesson-course</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 2026: Complete FREE 75-Lesson Course</video:title>
      <video:description>Property &amp;amp; Casualty exam prep starts here. This video introduces the complete Open Exam Prep P&amp;amp;C study playlist: 75 numbered lessons followed by related long-form state guides and topic videos, with Shorts intentionally excluded. Current Property &amp;amp; Casualty licensing snapshot: - About 100-175 questions in most states, usually split into national and state-law sections - 2-3 hour appointment, depending on the state - Typical passing score: 70% (California 60%) - Exam fee usually about 40-150 - Delivered by Pearson VUE, PSI, or Prometric, depending on the state - Prelicensing education is required in most states Full course playlist: https://www.youtube.com/playlist?list=PLHbgWDqDJcVU The course covers risk and policy structure, homeowners and dwelling forms, personal and commercial auto, commercial property, businessowners policies, CGL, workers compensation, crime, surety, umbrella coverage, producer licensing, unfair trade practices, claims, calculations, and exam strategy. Free Property &amp;amp; Casualty practice questions: https://open-exam-prep.com/practice/property-casualty Complete Property &amp;amp; Casualty study guide: https://open-exam-prep.com/study-guides/property-casualty P&amp;amp;C exam cheat sheet: https://open-exam-prep.com/blog/property-casualty-exam-cheat-sheet-2026 Free P&amp;amp;C practice questions guide: https://open-exam-prep.com/blog/free-property-casualty-practice-questions-2026 State insurance departments: https://content.naic.org/state-insurance-departments Always confirm the current outline, testing vendor, fees, passing score, and prelicensing requirements with your state insurance department before registering. PropertyAndCasualty PCInsuranceExam InsuranceLicense HomeownersInsurance AutoInsurance ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:04 - Scene 1 0:41 - Scene 2 1:19 - Scene 3 1:50 - Next steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Bln2Nz1J26Ui/ulzHkwfWR52_RWuSTZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Bln2Nz1J26Ui/1787363467/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ulzHkwfWR52</video:player_loc>
      <video:duration>136</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-2026-complete-free-100-lesson-course</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 2026: Complete FREE 100-Lesson Course</video:title>
      <video:description>Phlebotomy exam prep starts here. This video introduces the complete Open Exam Prep phlebotomy study playlist: 100 numbered lessons followed by related long-form guides, with Shorts intentionally excluded. Current NHA Certified Phlebotomy Technician notes: - Two-hour exam appointment - Education and supervised work-experience eligibility routes - At least 30 venipunctures and 10 capillary or finger sticks on live individuals - Certification renewal every two years with 10 continuing education credits Full course playlist: https://www.youtube.com/playlist?list=PLVbVMOM4FoaE The course covers patient identification, vein and site selection, venipuncture, capillary collection, order of draw, tube additives, specimen handling and transport, special collections, complications, infection control, safety, quality assurance, privacy, scope of practice, communication, documentation, and exam strategy. Free phlebotomy practice questions: https://open-exam-prep.com/practice/phlebotomy Complete phlebotomy study guide: https://open-exam-prep.com/study-guides/phlebotomy Phlebotomy certification guide: https://open-exam-prep.com/blog/phlebotomy-certification-guide-2026 Order of draw memory guide: https://open-exam-prep.com/blog/phlebotomy-order-of-draw-memory-guide-2026 Official NHA CPT information: https://www.nhanow.com/certification/nha-certifications/certified-phlebotomy-technician-(cpt) Always confirm current test plans, eligibility rules, fees, and scheduling requirements with the certification provider before registering. Phlebotomy NHACPT PhlebotomyTechnician OrderOfDraw HealthcareCertification ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:04 - Scene 1 0:33 - Scene 2 1:18 - Scene 3 1:48 - Next steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6BDUQBbJwYUj/1k4Gkheql52_eQvNyd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/6BDUQBbJwYUj/1787363473/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1k4Gkheql52</video:player_loc>
      <video:duration>135</video:duration>
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      <video:title>Arizona Notary Exam Prep 73, County Change Within Arizona Commission Stays Valid</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary commission is valid statewide, and moving between counties does not invalidate it. - You must notify the Arizona Secretary of State of any address change within 30 days as required by A.R.S. 41-323. - Failure to notify the Secretary of State within the 30-day window can lead to a 25 civil penalty. - You are required to obtain a new notary seal that reflects your new county of residence before performing further notarizations. - Moving out of Arizona terminates your notary commission immediately, a key distinction from an in-state county change. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>135</video:duration>
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      <video:title>Phlebotomy Exam Prep 23, Geriatric and Hard-Stick Patient</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Always anchor geriatric veins firmly below the puncture site to prevent rolling due to decreased subcutaneous tissue. - Use a reduced angle of insertion, typically 10-15 degrees, to avoid puncturing through fragile vein walls. - Select a smaller needle, like a 22G or 23G butterfly needle, to minimize trauma to delicate veins. - Prioritize skin integrity by using gentle adhesive removal techniques or non-adhesive wraps to prevent tears. - Adapt communication strategies for potential hearing or visual impairments to ensure patient understanding and cooperation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/DFfoVzqQZITb/1787363460/index.m3u8</video:content_loc>
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      <video:duration>134</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-71-address-change-notification-30-days</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 71, Address Change Notification 30 Days</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona notaries must notify the Secretary of State of any address change within 30 calendar days, per A.R.S. 41-323. - The notification must be in writing, signed, and sent via a method that provides a delivery receipt. - A new notary seal is NOT required for an address change within the same county, only for a name or county change. - Failing to notify the state within 30 days can result in a 25 civil penalty and potential commission revocation. - This rule applies to any change in your mailing, residential, or business address on file. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ABfENBW6tMnO/1A5rQgKGQ52_NCgDIf.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1A5rQgKGQ52</video:player_loc>
      <video:duration>135</video:duration>
    </video:video>
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  <url>
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      <video:title>Arizona Notary Exam Prep 50, Cannot Use Interpreters AZ-Specific Trap</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona law, under Senate Bill 1230, now permits the use of an interpreter if the notary and signer do not speak the same language. - A critical requirement for the exam is that the interpreter must be physically present with both the notary and the signer during the notarization. - Exam questions may present trap scenarios involving remote interpreters (e.g., by phone or video call), which are not permitted under the law. - This rule is a reversal of previous Arizona law, and exam questions may test your knowledge of this recent, specific change. - The core duties of the notary to verify identity and willingness remain unchanged, with the interpreter acting as a communication bridge. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-lro7jqJxIMi/1l4qRgeal52_ZuICik.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-lro7jqJxIMi/1787363472/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1l4qRgeal52</video:player_loc>
      <video:duration>136</video:duration>
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      <video:title>Arizona Notary Exam Prep 44, Waiving Fees</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona notaries can legally charge any amount for a notarial act, from zero dollars up to the state-mandated maximum of 10. - Charging the maximum statutory fee is an option for notaries, not a legal requirement. - Employers are permitted to require their notary employees to perform notarial acts for free as a courtesy to customers or other employees. - Exam questions often test the fee-waiving concept through scenarios, and it is always a permissible act. - A common exam trap is confusing the strict prohibition on overcharging with the complete permissibility of undercharging or waiving fees. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vByWRhLrkP2</video:player_loc>
      <video:duration>136</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between part-to-whole and whole-to-part analogies on the AFOQT. - Why the direction of the word pair relationship is the most important factor. - How to spot common AFOQT distractor questions that reverse the analogys order. - A simple question-based mental shortcut to confirm the relationships direction. - Exam-style examples including petal:flower, brick:wall, and soldier:army. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1lyXlxeal52</video:player_loc>
      <video:duration>135</video:duration>
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      <video:title>2026 CBET Exam Prep Guide: 165 Questions, 6 Blueprint Domains &amp;amp; Rules</video:title>
      <video:description>Prepare for the 2026 Certified Biomedical Equipment Technician (CBET) exam administered by the AAMI Credentials Institute (ACI). This guide covers the 165-question format, May and November testing windows, 2026 exam fees (410 member / 460 non-member), eligibility requirements for full and candidate status, domain weightings (Function 30%, Problem Solving 30%, Healthcare IT 17%, Public Safety 10%, Anatomy &amp;amp; Physiology 7%, Electronics 6%), safety standards (IEC 60601-1 &amp;amp; NFPA 99), retake policies, and 3-year renewal requirements. Practice for free today at Open Exam Prep: https://open-exam-prep.com/blog/cbet-certified-biomedical-equipment-technician-exam-guide-2026 Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:46 - Scene 2 1:22 - Scene 3 1:59 - Scene 4 2:36 - Scene 5 3:17 - Scene 6 3:49 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CBET STUDY GUIDE 2026: In-Depth Domain Review, 1,500 Practice Questions with Answers, and Proven Study Strategies for Certification Success: https://www.amazon.com/dp/B0FS7VLSCM?tag=openexamprep-20 - CBET Exam Secrets Study Guide: CBET Test Review for the Certified Biomedical Equipment Technician Examination: https://www.amazon.com/dp/160971248X?tag=openexamprep-20 - CBET Exam Flashcard Study System: CBET Test Practice Questions &amp;amp; Review for the Certified Biomedical Equipment Technician Examination (Cards): https://www.amazon.com/dp/1609712498?tag=openexamprep-20</video:description>
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      <video:description>Master the 2026 CADC exam and IC&amp;amp;RC ADC requirements. This comprehensive video guide breaks down the 4-domain blueprint (Scientific Principles 25%, Screening/Assessment 20%, Treatment/Counseling 30%, Ethical/Legal 25%), ASAM 4th Edition updates, 42 CFR Part 2 confidentiality rules, and state-by-state experience requirements. Practice FREE CADC Questions: https://open-exam-prep.com/blog/cadc-alcohol-drug-counselor-exam-guide-2026 Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:46 - Scene 2 1:21 - Scene 3 1:55 - Scene 4 2:32 - Scene 5 3:07 - Scene 6 3:43 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CADC Study guide 2026 2027: Your Ultimate Companion To Certified Alcohol And Drug Counselor Exam Over 700 Questions, Detailed Explanations, And Proven Strategies To Pass With Confidence.: https://www.amazon.com/dp/B0G14P6VMV?tag=openexamprep-20</video:description>
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      <video:title>ISA Certified Arborist Exam Guide 2026: 10 Domains, Pass Score &amp;amp; Z133 Rules</video:title>
      <video:description>Complete 2026 study guide for the ISA Certified Arborist exam. Learn the 200-question test format, 76% passing score requirement, 3 eligibility paths, 2025 fee structures, and domain weights for all 10 areasincluding Pruning (14%) and Safe Work Practices (15%). Covers ANSI A300 pruning standards and ANSI Z133 minimum approach distances. Practice for free with no account required: https://open-exam-prep.com/blog/isa-certified-arborist-exam-guide-2026 Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:40 - Scene 2 1:15 - Scene 3 1:43 - Scene 4 2:14 - Scene 5 2:48 - Scene 6 3:21 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - ISA ARBORIST EXAM STUDY GUIDE: Master Tree ID, Risk Assessment &amp;amp; Safety to Pass the ISA Exam with Confidence: https://www.amazon.com/dp/B0DZC5NC9V?tag=openexamprep-20 - Arborists Certification Study Guide, 4th Edition: https://www.amazon.com/dp/1943378215?tag=openexamprep-20 - ISA ARBORIST CERTIFICATION STUDY GUIDE 2026-2027: 8 Full-Length Practice Exams, 3000+ Questions, Complete Tree Biology &amp;amp; Safety Content, and Lifetime ... Official E-Learning Platform for Exam Success: https://www.amazon.com/dp/B0GGGMYZ4X?tag=openexamprep-20</video:description>
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      <video:duration>225</video:duration>
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      <video:title>Mississippi CNA Exam Guide 2026: D&amp;amp;S Headmaster Format, Skills &amp;amp; Rules</video:title>
      <video:description>Master the 2026 Mississippi Certified Nursing Assistant (CNA) exam with this complete guide to the D&amp;amp;S Diversified / Headmaster evaluation. Learn about the 70-question written test blueprint, 60-minute time limit, 3-4 skills evaluation format, bolded key steps, 75-hour MSDH training rules, retake policies, and the upcoming July 1, 2026 transition to the Mississippi Board of Nursing (MSBN). Free Mississippi CNA practice questions &amp;amp; skills checklists: https://open-exam-prep.com/blog/mississippi-cna-exam-guide-2026 Key Highlights: - Written Exam: 70 questions, 60 minutes, 73% passing score - Skills Test: 3-4 tasks in 30 minutes, 80% passing score + 100% bolded key steps - Exam Fees: 35 written + 100 skills = 135 total - Training: Minimum 75 total hours with at least 16 clinical hours - Retakes: 3 attempts per portion within 24 months - Regulatory Change: Transfer from MSDH to MSBN effective July 1, 2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:38 - Scene 2 1:11 - Scene 3 1:41 - Scene 4 2:11 - Scene 5 2:44 - Scene 6 3:18 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CNA Study Guide 2025-2026: Complete Review + 560 Questions and Detailed Answer Explanations for the Certified Nursing Assistant Exam (8 Full-Length Exams): https://www.amazon.com/dp/1998805441?tag=openexamprep-20 - CNA Ultimate Study Guide 2025 - 2026: Your Comprehensive Study Companion with Strategies and Practice Tests to Ace the Certified Nursing Assistant Exam: https://www.amazon.com/dp/B0DWN24HZK?tag=openexamprep-20</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The formula for Actual Cash Value (ACV) and how it differs from Replacement Cost. - How to correctly apply a deductible to a covered property loss. - The key differences between split liability limits and a combined single limit. - How to calculate a coinsurance penalty using the Did Carry vs. Should Carry formula. - The function of the period of restoration in Business Income coverage and how premium audits work. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Karnataka VAO 1, 2026 Exam Pattern, Syllabus, and Study Plan</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Official KEA VAO 2026 examination structure including the qualifying Kannada test and two merit papers. - Breakdown of Paper 1 General Knowledge with emphasis on Karnataka Panchayat Raj, state history, and local economy. - Structure of Paper 2 covering General Kannada, General English, and Computer Knowledge skills. - Negative marking rules of 0.25 marks and strategic elimination techniques for OMR exams. - The KAN-GK-COMP study sequence to balance qualifying criteria and merit preparation for RPC and Kalyana-Karnataka regions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Arizona Notary exam prep starts here. This video introduces the complete Open Exam Prep Arizona Notary study playlist: 100 numbered lessons followed by a related long-form guide, with Shorts intentionally excluded. Current Arizona Secretary of State exam notes: - Required for new and renewing applicants beginning July 1, 2025 - 45 questions drawn from the 2025 Arizona Notary Public Reference Manual - 60-minute time limit - 80% passing score - 46.75 per proctored attempt - Open book through the manual link built into the exam physical copies are not allowed Full course playlist: https://www.youtube.com/playlist?list=PLHLtDaATL37Y The course covers commissioning and eligibility, authorized notarial acts, personal appearance, signer identification, credible witnesses, certificates, journals, seals, fees, refusal decisions, prohibited conduct, electronic and remote notarization, renewal, and exam strategy. Free Arizona Notary practice questions: https://open-exam-prep.com/practice/az-notary Complete Arizona Notary study guide: https://open-exam-prep.com/study-guides/az-notary Arizona Notary exam guide: https://open-exam-prep.com/blog/arizona-notary-exam-guide-2026 Official Arizona Secretary of State notary page: https://azsos.gov/business/notary Always confirm the current manual, testing arrangements, fees, and application requirements with the Arizona Secretary of State before registering. ArizonaNotary NotaryExam NotaryPublic ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:43 - Scene 2 1:21 - Scene 3 1:45 - Next steps</video:description>
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      <video:description>FE Civil exam prep starts here. This video introduces the complete Open Exam Prep Fundamentals of Engineering Civil study playlist: 86 numbered lessons followed by a related long-form guide, with Shorts intentionally excluded. Current FE Civil exam snapshot: - 110 computer-based questions - 6-hour total appointment - 5 hours 20 minutes of exam time, plus tutorial and scheduled break - 14 official knowledge areas - Pass/fail score reporting NCEES does not publish a fixed raw passing score Full course playlist: https://www.youtube.com/playlist?list=PLWdblEW8Sxak The course covers mathematics and statistics, ethics and professional practice, engineering economics, statics, dynamics, mechanics of materials, materials, fluid mechanics, surveying, water resources and environmental engineering, structural engineering, geotechnical engineering, transportation engineering, construction engineering, NCEES Reference Handbook navigation, pacing, and exam strategy. Free FE Civil practice questions: https://open-exam-prep.com/practice/fe-civil Complete FE Civil study guide: https://open-exam-prep.com/study-guides/fe-civil Long-form FE Civil exam guide: https://open-exam-prep.com/blog/fe-civil-exam-guide-2026 FE Civil Reference Handbook search strategy: https://open-exam-prep.com/blog/fe-civil-reference-handbook-search-strategy-2026 Official NCEES FE exam information: https://ncees.org/exams/fe-exam/ Always confirm current fees, specifications, calculator rules, and registration requirements with NCEES and your state licensing board. FECivil FEExam NCEES CivilEngineering EngineerInTraining EIT ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:04 - Scene 1 0:37 - Scene 2 1:15 - Scene 3 1:49 - Next steps</video:description>
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      <video:content_loc>https://streaming.open.video/contents/DlfwMl5BFYvH/1787364886/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uIWjkMeakO2</video:player_loc>
      <video:duration>141</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-2026-complete-free-92-lesson-course</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 2026: Complete FREE 92-Lesson Course</video:title>
      <video:description>AFOQT exam prep starts here. This video introduces the complete Open Exam Prep Air Force Officer Qualifying Test study playlist: 92 numbered lessons followed by a related long-form guide, with Shorts intentionally excluded. Current official AFOQT snapshot: - 12 timed subtests - 516 multiple-choice questions - About 5 hours including breaks - Commissioning minimums: Verbal 15 and Quantitative 10 - Rated composite minimums: Pilot 25, Combat Systems Officer 25, or Air Battle Manager 25 for the applicable path - At least 90 days between administrations under DAFMAN 36-2664 - Three administrations are authorized the third requires an applicable waiver - Superscoring uses the best composite score from any administration Full course playlist: https://www.youtube.com/playlist?list=PLTgZPT7Jhj2s The course covers verbal analogies, arithmetic reasoning, word knowledge, math knowledge, reading comprehension, situational judgment, the self-description inventory, physical science, table reading, instrument comprehension, block counting, aviation information, TBAS and PCSM context, rated and non-rated preparation, and test strategy. Free AFOQT practice questions: https://open-exam-prep.com/practice/afoqt Complete AFOQT study guide: https://open-exam-prep.com/study-guides/afoqt Long-form AFOQT guide: https://open-exam-prep.com/blog/afoqt-exam-guide-2026 Official Pearson VUE AFOQT information: https://www.pearsonvue.com/us/en/afoqt.html Current Department of the Air Force testing manual: https://static.e-publishing.af.mil/production/1/afa1/publication/dafman36-2664/dafman36-2664.pdf Always confirm current eligibility, scheduling, and commissioning-source requirements with your recruiter or test control officer. AFOQT AirForceOfficer OfficerTraining AFROTC OTS PilotTraining ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:04 - Scene 1 0:43 - Scene 2 1:16 - Scene 3 1:51 - Next steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/5SqQMFmd--gH/ucWPlMKbk42_xNOKSn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/5SqQMFmd--gH/1787364990/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ucWPlMKbk42</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-88-afrotc-cadet-timeline</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 88, AFROTC Cadet Timeline</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The optimal window for AFROTC cadets to take the AFOQT (sophomore year to fall of junior year). - Why the AFOQT and TBAS must be completed before the junior year rated selection board. - How the Pilot Candidate Selection Method (PCSM) score is calculated and its importance for pilot applicants. - The common trap of procrastination and its severe impact on rated career opportunities. - The high-risk nature of waiting for a senior-year AFOQT retake and the 90-day rule. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AOyA2pSc6IhR/uIXOQMLbkO2_gmhGRh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/AOyA2pSc6IhR/1787364926/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uIXOQMLbkO2</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-30-satisfactory-evidence-acceptable-government-ids</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 30, Satisfactory Evidence Acceptable Government IDs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An acceptable ID in Arizona must be government-issued and contain a photograph, signature, and physical description per A.R.S. 41-311. - A key exam topic is that an ID can be expired, but for no more than five years prior to the date of the notarization. - The exam will test your knowledge of the specific list of approved documents, such as an Arizona drivers license, U.S. passport, or permanent resident card. - Be aware of common distractors on the exam, like student IDs or foreign passports without a USCIS stamp, which are not acceptable. - After verifying an ID, you must record its type, issuing agency, identification number, and its issuance or expiration date in your notary journal. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-lvI6DTd_U_H/0sXzl3eakP2_mFfGEk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-lvI6DTd_U_H/1787364917/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0sXzl3eakP2</video:player_loc>
      <video:duration>138</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-90-signature-by-proxy-special-conditions</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 90, Signature by Proxy Special Conditions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Signature by proxy is only for a principal signer who is physically unable to write their name or make any mark. - The principal signer must verbally direct another individual (the proxy) to sign on their behalf, and this must occur in the notarys presence. - The proxy must first sign the principals name and then sign their own name. - The notary is required to add specific language to the notarial certificate, such as Signature affixed by (Proxys Name) at the direction of (Principals Name). - It is a critical exam point to distinguish signature by proxy from signature by mark, which has different requirements in Arizona. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zmfgVliJtMnk/utqPlgLbR42_JNxhuP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zmfgVliJtMnk/1787365759/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=utqPlgLbR42</video:player_loc>
      <video:duration>144</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-59-table-reading-pacing-guess-after-12-seconds</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 59, Table Reading Pacing Guess After 12 Seconds</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply the 8-12 Second Rule to conquer the AFOQT Table Reading subtest. - Why completing all 40 questions is statistically better than achieving perfect accuracy on only 30. - The importance of choosing a pre-decided panic letter for strategic guessing to maintain pace. - How to avoid the common exam trap of lingering on a difficult question for too long. - To use the Scan, Spot, or Scram mnemonic to enforce disciplined time management. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DmfcQFSRZYNj/uJXyRxebRP2_ciAFGQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DmfcQFSRZYNj/1787365766/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uJXyRxebRP2</video:player_loc>
      <video:duration>144</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-56-table-reading-mechanics-105-seconds-per-question</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 56, Table Reading Mechanics 10.5 Seconds Per Question</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The AFOQT Table Reading subtest gives you only 10.5 seconds to answer each of the 40 questions. - This subtest is a high-speed visual lookup task that measures accuracy under pressure, not math skills. - The core task involves finding the value at the intersection of a given X-axis column and a Y-axis row. - The most common errors are being off by one row or column, and answer choices often include these adjacent, incorrect values. - The most effective technique is the Point and meet to beat the sheet method, using two fingers to trace the column and row to their intersection. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_yjMIDS6ZIMO/0JXPkxKaQ42_hizoiz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/_yjMIDS6ZIMO/1787365747/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0JXPkxKaQ42</video:player_loc>
      <video:duration>143</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-23-acknowledgments-most-common-notarial-act</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 23, Acknowledgments Most Common Notarial Act</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An acknowledgment verifies the signers identity and their willing signature, not the moment of signing. - Unlike a jurat, a document can be signed before meeting with an Arizona notary for an acknowledgment. - Arizona notaries must confirm the signer personally appeared and acknowledged their signature, regardless of when it was signed. - The maximum fee for an acknowledgment in Arizona is 10 per notary signature, as set by the Secretary of State. - A common exam trap is confusing the requirements of an acknowledgment with those of a jurat, especially regarding the timing of the signature. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_yrk3BmYs6Vl/0dq4RgLXRP2_USrNoe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/_yrk3BmYs6Vl/1787365742/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0dq4RgLXRP2</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-18-syringe-technique-and-tube-transfer</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 18, Syringe Technique and Tube Transfer</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Syringe draws are the preferred method for patients with small, fragile, or easily collapsible veins. - A safety transfer device is mandatory for moving blood from a syringe to evacuated tubes to prevent needlestick injuries. - Never push the syringe plunger during transfer allow the tubes vacuum to pull the blood to prevent hemolysis and aerosolization. - The standard order of draw must be followed when filling tubes from a syringe to prevent additive cross-contamination. - Exam questions frequently test the proper transfer procedure as a key safety and specimen integrity checkpoint.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6Cjg6By7s6MQ/0ZX4QweXQO2_tzlXWc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/6Cjg6By7s6MQ/1787365770/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0ZX4QweXQO2</video:player_loc>
      <video:duration>143</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-92-beyond-afoqt-medical-exams-clearance-upt</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 92, Beyond AFOQT Medical Exams, Clearance, UPT</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The correct sequence of events after the AFOQT/PCSM for rated applicants. - The difference between the Flying Class 1 (FC1) and FC1A medical exams and who requires them. - Where the primary medical examinations for rated applicants are conducted. - The critical timing of the security clearance process relative to selection. - That certain strict physical standards, such as height and vision, may be waivable. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_FyM7jyJZ-Uc/1sXOlxKWk52_BUCaRG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/_FyM7jyJZ-Uc/1787365705/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1sXOlxKWk52</video:player_loc>
      <video:duration>144</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-85-living-wills-and-healthcare-directives</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 85, Living Wills and Healthcare Directives</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona healthcare directives can be valid if they are either notarized OR signed by at least one qualified witness. - An Arizona notary is strictly prohibited from serving as both a witness and the notary on the same healthcare directive. - Verifying the signers identity, willingness, and apparent competence is a primary and critical duty for the notary. - A common exam trap involves scenarios where a document is properly witnessed but not notarized, or vice versa both can be valid. - The signer, not the notary, chooses whether to have the document witnessed or notarized.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DlCA_pTRwMUH/1YrPQ2fXl52_SCNxSx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DlCA_pTRwMUH/1787365715/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1YrPQ2fXl52</video:player_loc>
      <video:duration>144</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-80-reporting-misconduct-filing-a-complaint</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 80, Reporting Misconduct Filing a Complaint</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Complaints against Arizona notaries are filed with the Secretary of States Notary Section. - A valid complaint must be submitted in writing, be signed by the complainant, and include supporting documents. - The investigation, conducted by the Attorney Generals office, involves requesting a written response from the notary and may include a journal inspection. - The public has a four-year statute of limitations to file a complaint regarding a notarys misconduct. - Anonymous complaints are not formally investigated because a signed complaint form is a primary requirement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ABm-UpSZ3YUi/1crjlNLGkP2_Mnyxby.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ABm-UpSZ3YUi/1787365699/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1crjlNLGkP2</video:player_loc>
      <video:duration>145</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-55-cannot-certify-vital-records-or-recordable-public-documents</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 55, Cannot Certify Vital Records or Recordable Public Documents</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary is strictly prohibited from certifying copies of vital records like birth, death, or marriage certificates. - Certified copies of publicly recordable documents, such as property deeds or court judgments, must be obtained from the official custodian (e.g., County Recorder). - The exam will test your ability to differentiate between a permissible copy certification for a private document and an impermissible one for a public record. - A common exam trap involves a client asking you to certify a photocopy of a vital record the correct action is to refuse and direct them to the issuing agency. - Remember the core principle: If a certified copy can be obtained from another public official, a notary cannot perform the copy certification. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6yfw_Fy6wIfH/1YqjQ3LqQ52_gzfmTL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/6yfw_Fy6wIfH/1787365764/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1YqjQ3LqQ52</video:player_loc>
      <video:duration>146</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-49-24-hour-urine-patient-instructions</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 49, 24-Hour Urine Patient Instructions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The correct procedure for starting a 24-hour urine collection by discarding the first void. - Why every void, including the first morning specimen on day two, must be collected. - The critical importance of continuous refrigeration or icing of the specimen. - How specific preservatives are required for certain tests and the associated safety precautions. - Common patient errors that invalidate the test and are frequently tested on the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_ynwIpOYt6Mc/1cWykNfGRP2_lDyFLp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/_ynwIpOYt6Mc/1787365734/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1cWykNfGRP2</video:player_loc>
      <video:duration>145</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-89-signature-by-mark-two-disinterested-witnesses-required</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 89, Signature by Mark Two Disinterested Witnesses Required</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A signature by mark, such as an X or thumbprint, is a valid signature method under Arizona notary law. - A signer in Arizona is permitted to use a mark even if they are not disabled or illiterate. - Contrary to the rules in many other states, Arizona law does NOT require any witnesses to be present for a signature by mark. - Exam questions on this topic often include incorrect answer choices suggesting one or two witnesses are needed, which is a common trap for candidates. - The notarys procedure still requires positively identifying the signer and making a complete and accurate journal entry for the notarization. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zmfUIBi6w-hc/vZqzlheaR52_McCmxO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zmfUIBi6w-hc/1787365745/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vZqzlheaR52</video:player_loc>
      <video:duration>146</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-41-chilled-specimens-ice-slurry</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 41, Chilled Specimens Ice Slurry</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key analytes that require immediate chilling after collection, including ammonia, lactate, and ABGs. - Why metabolic processes like glycolysis can alter test results if specimens are left at room temperature. - The correct technique for chilling a specimen using an ice and water slurry for complete contact. - Common exam traps related to improper cooling methods, such as using only ice cubes. - How delays in chilling a specimen can compromise its integrity and lead to inaccurate results. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FyfIYFj6wIfP/vdr4kNeaRO2_IyflxJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FyfIYFj6wIfP/1787365759/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vdr4kNeaRO2</video:player_loc>
      <video:duration>145</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-01-california-dre-exam-format-and-passing-rule</loc>
    <video:video>
      <video:title>Real Estate Exam California 01, California DRE Exam Format and Passing Rule</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The California salesperson exam consists of 150 multiple-choice questions and requires a 70% score to pass. - You will have 3 hours and 15 minutes to complete the exam. - The test is weighted across seven categories, with three making up over half the exam. - Prioritize your study time on the highest-weighted topics: Practice of Real Estate and Disclosures (25%), Laws of Agency (17%), and Property Ownership (15%). - Use the mnemonic People Love Property to remember the three most critical study areas. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/EinIYFyIt2ea/vtr5Q2eqRO2_CXDQuV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/EinIYFyIt2ea/1787365752/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vtr5Q2eqRO2</video:player_loc>
      <video:duration>145</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-36-glucose-tolerance-test-gtt-protocol</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 36, Glucose Tolerance Test (GTT) Protocol</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The GTT protocol begins with a mandatory 8 to 12-hour fast before the baseline draw. - A 75-gram glucose load is standard, while a 100-gram load is typically used for gestational diabetes testing in pregnant patients. - Timed draws start immediately after the patient finishes the glucose drink, not when they begin. - If a patient vomits, the test is usually invalid and must be documented and rescheduled. - Gray-top tubes containing sodium fluoride are required for all GTT specimens to prevent glycolysis and ensure accurate results. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/yBmwVDDRZIoJ/1ZqylgKWQP2_KeohfQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/yBmwVDDRZIoJ/1787365722/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1ZqylgKWQP2</video:player_loc>
      <video:duration>145</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-17-mixture-problems-solutions-coins-alloys</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 17, Mixture Problems Solutions, Coins, Alloys</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply the core principle: the sum of the parts equals the whole for all mixture problems. - A mnemonic to solve any mixture problem: A-C-T (Amount x Concentration = Total). - How to set up and solve exam-style solution, coin, and alloy mixture problems. - To identify common exam traps like inconsistent units and misinterpreting the final mixture amount. - The importance of converting percentages to decimals and dollar values to cents for accurate calculations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Dpi6_FzJ2Qoi/1JqPkMeWR52_mtPhOM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Dpi6_FzJ2Qoi/1787365731/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1JqPkMeWR52</video:player_loc>
      <video:duration>146</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-71-state-guaranty-associations-and-insolvency</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 71, State Guaranty Associations and Insolvency</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That State Guaranty Associations exist to pay the claims of insolvent insurers, protecting policyholders. - That these associations are funded through assessments on solvent member insurers, not by taxpayers. - That claim payments are subject to statutory limits, commonly up to 300,000 for P&amp;amp;C claims. - Why it is a strictly prohibited and unfair trade practice for producers to advertise the guaranty association. - That using the associations existence as a sales inducement is a major exam trap and a violation of insurance law. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jWe0ptWjYOAt/8YXOQgfrQO2_WwsdLz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/jWe0ptWjYOAt/1787366489/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8YXOQgfrQO2</video:player_loc>
      <video:duration>149</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-95-loose-notarial-certificates-when-and-how-to-attach</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 95, Loose Notarial Certificates When and How to Attach</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary must attach a loose certificate when a document lacks notarial wording and there is no space to add it. - The signer, not the notary, must choose the type of notarial act (e.g., acknowledgment or jurat) to avoid the unauthorized practice of law. - The loose certificate must be securely stapled to the document, never paper-clipped, to prevent fraudulent misuse. - To link the certificate to the document, it must describe the document by its title, date, page count, and signer names, as required by A.R.S. 41-313. - Always use pre-printed, statutorily compliant certificate forms from a trusted source to ensure legality and proper format. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/kGuecrbaY8ys/8cX5kwfbQO2_CKGTzC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/kGuecrbaY8ys/1787366457/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8cX5kwfbQO2</video:player_loc>
      <video:duration>150</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-41-businessowners-policy</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 41, Businessowners Policy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That a BOP bundles Property, General Liability, Business Income, and Extra Expense coverage for small, low-risk businesses. - How eligibility is based on business type and size, commonly excluding businesses like bars, auto shops, and large manufacturers. - That Business Income coverage replaces lost net income if a covered peril forces the business to temporarily close. - Why a BOPs General Liability does not cover professional mistakes, requiring a separate Errors &amp;amp; Omissions policy. - That the BOP explicitly excludes coverage for commercial auto and workers compensation, which must be insured under separate policies. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TWC0BhXzw0qt/CYXPQ2KbR42_jMMIWN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TWC0BhXzw0qt/1787366498/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CYXPQ2KbR42</video:player_loc>
      <video:duration>149</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-20-homeowners-perils-and-open-perils</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 20, Homeowners Perils and Open Perils</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental difference between named perils (whats listed is covered) and open perils (whats not excluded is covered). - How the common HO-3 policy provides open perils coverage for the dwelling and named perils for personal property. - Why the burden of proof shifts from the insured in a named perils policy to the insurer in an open perils policy. - Exam-style scenarios, like why a deer damaging a wall is covered on an HO-3 but damage to a couch is not. - Key limitations on broad form perils, such as the 60-day vacancy clause for vandalism coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QWCSxxHjt4B4/CIWjRMfWQO2_PyUulq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QWCSxxHjt4B4/1787366475/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CIWjRMfWQO2</video:player_loc>
      <video:duration>151</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-20-heel-stick-newborn-and-infant</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 20, Heel Stick Newborn and Infant</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The only acceptable puncture sites for an infant heel stick are the medial and lateral plantar surfaces of the heel. - Puncturing the center of an infants heel carries a high risk of injuring the calcaneus bone, potentially causing osteomyelitis. - Warming the heel for 3-5 minutes prior to puncture is a crucial step to increase blood flow and ensure a viable sample. - The first drop of blood must be wiped away because it is contaminated with tissue fluid that can invalidate test results. - Excessive squeezing or milking of the foot can cause hemolysis and specimen contamination, a common reason for sample rejection. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/P2maddaj2Oqs/8Yr4Q2eGR52_zxbBwP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/P2maddaj2Oqs/1787366505/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Yr4Q2eGR52</video:player_loc>
      <video:duration>148</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-93-out-of-state-documents-notarial-act-must-occur-in-az</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 93, Out-of-State Documents Notarial Act Must Occur in AZ</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That an Arizona notarys jurisdiction is strictly limited to the geographical borders of Arizona. - How to handle notarizing documents that are intended for use in other states, such as California or Florida. - That the physical presence of the signer before the notary within Arizona is required for traditional notarizations. - To identify common exam traps that use a documents out-of-state destination to create confusion. - The purpose of an apostille from the Arizona Secretary of State for documents used internationally. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OGmSgdKjZOq4/8JX4l2frQ42_eXVkAo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OGmSgdKjZOq4/1787366429/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8JX4l2frQ42</video:player_loc>
      <video:duration>152</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-6-proximate-cause-and-concurrent-causation</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 6, Proximate Cause and Concurrent Causation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Proximate cause is the initial event in an unbroken chain that leads to a loss. - Damage from subsequent events is typically covered if the proximate cause was a covered peril. - Concurrent causation involves both a covered and an excluded peril contributing to a single loss. - Anti-concurrent causation clauses are used by insurers to exclude losses even when a covered peril was involved. - The windstorm-then-flood scenario is a classic exam trap testing your knowledge of these causation rules and exclusions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OKaqctvqwWXA/8trjkherRO2_yaDWwI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OKaqctvqwWXA/1787366464/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8trjkherRO2</video:player_loc>
      <video:duration>152</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-40-reading-comp-pacing-91-seconds-per-item</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 40, Reading Comp Pacing 91 Seconds Per Item</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To master the average pace of 91 seconds per question for the AFOQT Reading Comprehension section. - How to use a two-tiered approach: a 60-second skim for surface-level questions and a 120-second deep read for inference questions. - To implement the 90-Second Shove rule: guess and move on from any question that takes longer than 90 seconds. - Why you must bubble an answer for every question, as the AFOQT does not penalize for wrong answers. - To identify and avoid common exam traps, like answer choices that are factually correct but do not answer the specific question asked. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/U2uixhKixKt7/CdW5lhKGQ52_RbDHhN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/U2uixhKixKt7/1787366506/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CdW5lhKGQ52</video:player_loc>
      <video:duration>151</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-18-the-notary-journal-mandatory-under-ars-41-319</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 18, The Notary Journal Mandatory Under A.R.S. 41-319</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Under A.R.S. 41-319, Arizona notaries are required to record every notarial act for tangible records in a paper journal. - The journal must have consecutively numbered pages loose-leaf or spiral-bound notebooks are not permitted. - Notaries may only maintain one paper journal at a time, unless a second journal is needed for confidential or non-public records. - Each journal entry must be completed at the time of the notarization and include the date, document type, signers name, address, signature, ID details, and fee. - Failure to maintain a journal is a violation of Arizona law and can be grounds for commission suspension or revocation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/O0qichWysS6X/CJrjk3KHR42_MegJiJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/O0qichWysS6X/1787366410/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CJrjk3KHR42</video:player_loc>
      <video:duration>150</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-17-ordering-and-securing-the-seal</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 17, Ordering and Securing the Seal</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That you must purchase your own seal from a commercial vendor after receiving your commission certificate. - Vendors are required by law to verify your commission certificate before creating and providing your seal. - Your notary seal must always be stored in a locked, secure area under your exclusive control. - If your seal is lost or stolen, you must notify the Secretary of State in writing within ten days. - Only the commissioned notary is legally permitted to possess the official notary seal. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PKaGExXjw4XA/9sXiQwLrlP2_LzBkhp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PKaGExXjw4XA/1787366497/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9sXiQwLrlP2</video:player_loc>
      <video:duration>153</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-52-electricity-and-magnetism</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 52, Electricity and Magnetism</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply Ohms Law (V=IR) to solve for voltage, current, or resistance in AFOQT-style problems. - The key differences between series and parallel circuits, including how current and voltage behave in each. - How to calculate total resistance in both series (simple sum) and parallel (reciprocal sum) circuits. - To calculate electrical power using all three essential formulas: P=IV, P=I²R, and P=V²/R. - How to use the right-hand rule to determine the direction of a magnetic field produced by a current. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/oWCScvejZ0B7/DcrylweWQ52_eqgjLT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/oWCScvejZ0B7/1787366445/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DcrylweWQ52</video:player_loc>
      <video:duration>154</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-44-sjt-common-traps-doing-nothing-vs-going-nuclear</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 44, SJT Common Traps Doing Nothing vs Going Nuclear</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the AFOQT SJT requires you to identify both the most and least effective actions in leadership scenarios. - Why passive, wait and see answer choices are traps that demonstrate a failure to lead. - Why immediate, extreme escalations that bypass the chain of command are incorrect and show poor judgment. - How the most effective responses typically involve direct, professional communication and problem-solving at the lowest appropriate level. - To use the mnemonic Address, Dont Aggress, and Never Acquiesce to find the balanced, correct middle path answer. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QKD8cvGaY8ZX/9Yrik3LHQO2_xUYAKZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QKD8cvGaY8ZX/1787366517/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9Yrik3LHQO2</video:player_loc>
      <video:duration>155</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-27-hematoma-prevention-and-management</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 27, Hematoma Prevention and Management</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The number one priority when a hematoma begins to form is to immediately stop the blood draw. - Releasing the tourniquet before withdrawing the needle is a critical step to prevent hematoma formation. - Common causes tested on the exam include transfixing the vein, partial needle insertion, and using an incorrect needle gauge. - Use the mnemonic STOP for management: Stop the draw, Talk to the patient, Oppress with firm pressure, and Pack with a cold compress. - Proper documentation of the incident and response is a key professional responsibility covered on the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jteWgxLiAOk4/DYX5kNfHR42_RwvCpj.jpg</video:thumbnail_loc>
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      <video:duration>154</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-15-rate-distance-time-drt-and-average-speed-traps</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 15, Rate, Distance, Time d=rt and Average Speed Traps</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core formula for all motion problems is Distance = Rate Time (d=rt). - How to solve two objects meeting problems by combining their rates when they move towards each other. - Why simply averaging two speeds to find the average speed of a round trip is a common exam trap and always incorrect. - The correct method for calculating average speed, which is always Total Distance divided by Total Time. - A specific shortcut formula for calculating average speed on a round-trip journey with two different speeds: 2(r1r2)/(r1+r2). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ifnKovHa60cY/9cX5R2LXQO2_FXxxCJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ifnKovHa60cY/1787366531/index.m3u8</video:content_loc>
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      <video:duration>153</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-84-wills-notarize-self-proving-affidavit-only</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 84, Wills Notarize Self-Proving Affidavit Only</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That notarization is not required for a will to be valid in Arizona only witness signatures are required. - The correct notarial act is to notarize the separate self-proving affidavit, not the will document itself. - Why a notarized self-proving affidavit is used to speed up and simplify the courts probate process. - How to correctly refuse to notarize a will and refer the signer to an attorney to avoid the unauthorized practice of law. - The key distinction between a last will and testament and a living will, which is a healthcare directive that is commonly notarized. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lizuEvqjEGtW/vAq4RNLaRz2_MrgmBT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/lizuEvqjEGtW/1787367147/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vAq4RNLaRz2</video:player_loc>
      <video:duration>155</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/acs-ccn1-1-core-domestic-natural-gas-safety-assessment-overview</loc>
    <video:video>
      <video:title>ACS CCN1 1, Core Domestic Natural Gas Safety Assessment Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Overview of the ACS CCN1 initial Core Domestic Natural Gas Safety assessment structure and scope under IGEM SSB Issue 19 criteria - How CPA1 combustion performance analysis is integrated into CCN1 and its relationship to appliance qualifications like CKR1 and CENWAT - The differences between Knowledge and Understanding, Practical Performance hands-on tasks, and Oral Questioning during assessment - Key exam traps around tightness testing, let-by pressures, and Gas Industry Unsafe Situations Procedure (GIUSP) classifications - A practical mental shortcut (L-B-T-T) to remember domestic low-pressure tightness testing sequence and target pressures For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/S0DSlt4z3OIY/CArPRMeWRO2_qpDMdY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/S0DSlt4z3OIY/1787368574/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CArPRMeWRO2</video:player_loc>
      <video:duration>260</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-73-policy-review-and-coverage-gap-questions</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 73, Policy Review and Coverage Gap Questions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to use a systematic checklist to analyze complex exam scenarios for coverage gaps. - To identify the crucial difference between a named insured and an insured by definition. - How to determine if a specific cause of loss (peril) is covered by the policy in the question. - To spot common exam traps involving specific exclusions, internal limits, and deductibles. - The importance of endorsements in modifying or adding coverage to a standard policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QMruohSys4JB/CArPlMKXRP2_LEHVXu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QMruohSys4JB/1787368579/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CArPlMKXRP2</video:player_loc>
      <video:duration>250</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/alberta-class-6-1-motorcycle-knowledge-test-format-and-licensing-path</loc>
    <video:video>
      <video:title>Alberta Class 6 1, Motorcycle Knowledge Test Format and Licensing Path</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The exact structure of the Alberta Class 6 knowledge test, including the 30-question format, 25-correct answer passing threshold (83%), and 1-attempt per calendar day limit. - Official testing regulations regarding language assistance, computerized registry agent terminals, and prohibited personal interpreters. - Why candidates must study both the official Riders Guide and the Drivers Guide to cover motorcycle safety alongside general road rules and traffic signs. - Where the knowledge test sits in the Alberta licensing path as a prerequisite before taking the 60-minute practical Class 6 road test. - Specific supervisor requirements for learner riders, including minimum age, non-GDL full Class 6 licence status, and acceptable supervisory positions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lMzyshOzZKPA/8Bq4kxLalP2_gTXABP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/lMzyshOzZKPA/1787368575/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Bq4kxLalP2</video:player_loc>
      <video:duration>243</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-72-surplus-lines-and-residual-markets</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 72, Surplus Lines and Residual Markets</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key differences between admitted insurers (state-licensed, guaranty fund protection) and nonadmitted insurers (unlicensed, no guaranty fund). - Why a diligent search is a strict prerequisite before placing a policy with a surplus lines insurer. - The purpose of residual markets as a last-resort option for obtaining essential insurance coverage. - How assigned risk plans function to provide auto insurance to high-risk drivers who are denied in the voluntary market. - The role of FAIR plans in offering basic property insurance to owners of properties considered too risky for standard carriers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PWueAvTas07z/C7qPkhebl52_JdjIxO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PWueAvTas07z/1787368664/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=C7qPkhebl52</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/state-auctioneer-license-exam-guide-2026-2254-practice-questions-state-rules</loc>
    <video:video>
      <video:title>State Auctioneer License Exam Guide (2026): 2,254 Practice Questions &amp;amp; State Rules</video:title>
      <video:description>Prepare for your state auctioneer examination with Open Exam Preps directory of 2,254 free practice questions across 21 state routes. Learn about key state variations including Maine real estate boundaries, Texas live-bid licensing, Massachusetts written exam requirements, and model UCC 2-328 rules. Access free practice sets at https://open-exam-prep.com/blog/free-auctioneer-practice-test-by-state-2026. Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:45 - Scene 2 1:26 - Scene 3 2:06 - Scene 4 2:45 - Scene 5 3:20 - Scene 6 3:57 - Next steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PKrWhfObtK6B/8lqzlxKrl52_wPHHHV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PKrWhfObtK6B/1787368683/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8lqzlxKrl52</video:player_loc>
      <video:duration>264</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/acrp-cp-exam-guide-2026-e6r3-update-eligibility-fees-blueprint</loc>
    <video:video>
      <video:title>ACRP-CP Exam Guide 2026: E6(R3) Update, Eligibility, Fees &amp;amp; Blueprint</video:title>
      <video:description>Master the ACRP-CP exam with this comprehensive guide covering the 2026 updates. Learn about the 125-question format, 600 passing scaled score, eligibility pathways (3,000 hrs vs 1,500 hrs), fall registration fees (435600), five official domain weights, and the switch to ICH E6(R3) standards as of July 15, 2026. Practice free ACRP-CP questions aligned with official ECO domains: https://open-exam-prep.com/blog/acrp-cp-certified-professional-exam-guide-2026 Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:43 - Scene 2 1:20 - Scene 3 1:55 - Scene 4 2:28 - Scene 5 3:08 - Scene 6 3:37 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - ACRP-CP Exam Prep: 500 Exam-Style Questions, 4 Practice Tests, and Detailed Answer Explanations Designed to Help You Pass the ACRP-CP Certification Exam Your First Attempt: https://www.amazon.com/dp/B0FK3Y9XKM?tag=openexamprep-20</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QqeOshmaAOQq/87ryQMLbR42_eDDyeg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QqeOshmaAOQq/1787368694/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=87ryQMLbR42</video:player_loc>
      <video:duration>243</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-58-cyber-liability-and-data-breach-coverage</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 58, Cyber Liability and Data Breach Coverage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to differentiate first-party cyber coverage, which covers your direct costs, from third-party coverage, which covers your liability to others. - To identify key first-party coverages such as data breach notification costs, cyber extortion, and funds transfer fraud. - That third-party coverage responds to lawsuits and legal claims from customers or partners harmed by your security failure. - How cyber business interruption coverage mirrors traditional Business Income coverage, but the triggering peril is a cyber event instead of physical damage. - That standard Commercial General Liability (CGL) policies typically exclude cyber risks, making standalone cyber liability policies essential. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/l2rGFhTW60XB/vI4yk3Lbk42_SleFSa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/l2rGFhTW60XB/1787370014/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vI4yk3Lbk42</video:player_loc>
      <video:duration>156</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-45-ron-fee-cap-10-per-notarial-act</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 45, RON Fee Cap 10 per Notarial Act</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The maximum fee for a Remote Online Notarization (RON) in Arizona is 10 per notarial act. - This fee is the same as the cap for traditional, in-person notarizations as specified by Arizonas notary rules. - Technology platform fees charged by RON vendors are separate from and in addition to the notarys statutory fee. - Travel fees are strictly prohibited for RON services as no physical travel by the notary occurs. - The RON business model is based on achieving a higher volume of notarizations, not on charging a premium per-act fee. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OYz4th85AKW4/vcy5l2fbkP2_myKkFB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OYz4th85AKW4/1787369999/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcy5l2fbkP2</video:player_loc>
      <video:duration>157</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-42-travel-fees</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 42, Travel Fees</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona law (A.R.S. 41-316) caps the fee for a notarial act at 10 per signature, but travel fees are separately negotiated and not capped by statute. - Travel fees must be disclosed to and agreed upon by the signer before the notarization occurs. - A common exam trap involves questions that combine the notarial and travel fees into one total charge to test your ability to distinguish them. - The travel fee is earned and payable even if the notarization cannot be completed due to the signers lack of proper identification or other issues. - Remember the mental shortcut: The State sets the price for the seal, but the notary sets the price for the wheel. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/P2DOhxDO_8zW/vYzOkwfrk42_CeRAvj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/P2DOhxDO_8zW/1787369996/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vYzOkwfrk42</video:player_loc>
      <video:duration>156</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-25-oaths-and-affirmations</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 25, Oaths and Affirmations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An oath references a supreme being, while an affirmation is on personal honor both are legally identical under A.R.S. 41-311. - The choice between an oath and an affirmation always belongs to the signer, and a notary must offer the alternative if a signer is hesitant. - A signer must provide a clear, audible response like I do for the verbal ceremony to be complete a silent gesture is insufficient. - Oaths and affirmations require the signer to be physically present before the notary, a rule only excepted by authorized Remote Online Notarizations. - Do not confuse an oath, which attests to a documents truthfulness, with an acknowledgment, which verifies a signature was willingly made. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QXjWsf8PF0tW/1czyQ2Kak52_MJmcgx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QXjWsf8PF0tW/1787370032/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1czyQ2Kak52</video:player_loc>
      <video:duration>157</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-34-commercial-auto-and-business-auto-coverage</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 34, Commercial Auto and Business Auto Coverage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How numerical symbols, not vehicle descriptions, define coverage in the Business Auto Policy. - The critical difference between Symbol 7 (Specifically Described), Symbol 8 (Hired), and Symbol 9 (Non-Owned) autos. - When an employee is considered an insured and the limitations of that coverage. - Why a personal auto policy is insufficient for most business-related vehicle exposures. - Common exam traps related to newly acquired vehicles and employees using their own cars for business. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VYvGdhOH_Oqt/vJyil2eHk52_sjEsAe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VYvGdhOH_Oqt/1787369993/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vJyil2eHk52</video:player_loc>
      <video:duration>158</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-65-ron-journal-separate-electronic-record</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 65, RON Journal Separate Electronic Record</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona law mandates a separate, tamper-evident electronic journal exclusively for Remote Online Notarizations (RON). - A RON journal entry must contain all standard notarial information plus the results of the identity verification process and a reference to the audio-visual recording. - Commingling RON entries in your traditional paper journal is a violation of Arizona statutes and a common exam trap. - Although RON platforms automate the journal creation, the notary is ultimately responsible for verifying the accuracy and completeness of every entry. - Remember the key additions for RON journals with the mental shortcut: Recording, Identity, and Technology. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/l1r8wdCOAGs6/vt45l2KWl42_lhafYN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/l1r8wdCOAGs6/1787370033/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vt45l2KWl42</video:player_loc>
      <video:duration>158</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-51-stool-specimen-collection</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 51, Stool Specimen Collection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical importance of avoiding urine and toilet water contamination for all stool samples and the reasons why. - Key dietary and medication restrictions (red meat, certain vegetables, aspirin, Vitamin C) required for the gFOBT and why the FIT does not have these restrictions. - The specific collection protocol for Ova and Parasites (O&amp;amp;P) testing, requiring three separate samples on different days. - The differences in sample requirements for specialized tests like C. diff toxin (requiring a fresh, unformed sample) and calprotectin (an inflammation marker). - A mnemonic to remember gFOBT restrictions: No Red Meat on the Blue Sheet. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QMfCFbjHAWBY/1t5ylMLGlO2_gIGNul.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QMfCFbjHAWBY/1787370007/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1t5ylMLGlO2</video:player_loc>
      <video:duration>159</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-07-california-real-estate-recovery-account</loc>
    <video:video>
      <video:title>Real Estate Exam California 07, California Real Estate Recovery Account</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Real Estate Recovery Account is a last resort for consumers with an uncollectible final judgment against a licensee for fraud or conversion of trust funds. - A claimant MUST obtain a final civil judgment or arbitration award before applying to the account. - The fund is for the public only real estate licensees cannot make a claim against other licensees. - Payouts are limited to 50,000 per transaction and a cumulative total of 250,000 per licensee. - A licensees license is automatically suspended upon payment from the account and is not reinstated until the full amount plus interest is repaid. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QHDmxry4A0Ay/vd55l3fWk42_PERLBu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QHDmxry4A0Ay/1787370027/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vd55l3fWk42</video:player_loc>
      <video:duration>158</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-4-insurable-interest-and-indemnity</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 4, Insurable Interest and Indemnity</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Insurable interest in Property &amp;amp; Casualty insurance must exist at the time of the loss. - The principle of indemnity means insurance restores you to your pre-loss financial state, preventing profit from a claim. - Having an insurable interest means you would suffer a financial hardship if the insured property were damaged. - Mortgagees and lienholders have an insurable interest limited to the amount of their financial stake in the property. - A key exam trap is distinguishing the timing of insurable interest for P&amp;amp;C (at time of loss) versus life insurance (at time of application). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/kMD4thnXBOr5/vtyykwfaQ52_fxzbYv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/kMD4thnXBOr5/1787369992/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vtyykwfaQ52</video:player_loc>
      <video:duration>158</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-98-avoiding-upl-dont-choose-for-signer</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 98, Avoiding UPL Dont Choose for Signer</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Choosing a notarial act for a signer constitutes the Unauthorized Practice of Law (UPL) for an Arizona Notary. - A notary is only permitted to explain the factual differences between an acknowledgment and a jurat. - An acknowledgment confirms the signer appeared before the notary and declared they willingly signed the document. - A jurat requires the signer to swear or affirm that the contents of the document are true, and it must be signed in the notarys presence. - The mnemonic Explain, dont elect is a key reminder of the notarys limited role in this situation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jIj8Ff9HB4Ar/8s5jRxfrRj2_ymNAfe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/jIj8Ff9HB4Ar/1787370020/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8s5jRxfrRj2</video:player_loc>
      <video:duration>159</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-66-block-counting-setup</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 66, Block Counting Setup</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Block Counting subtest has the fastest pace on the AFOQT at only nine seconds per question. - The exams definition of touching means sharing a flat face, not just an edge or a corner. - A systematic, six-face check (Top, Bottom, Front, Back, Left, Right) is the key to accuracy and speed. - A common trap is forgetting to count hidden blocks that must exist to support blocks on upper layers. - This subtest measures spatial awareness and is a critical component of the Perceptual Speed composite score. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/pYjSEt8H60rt/8s5jQ2KqQi2_gDYPez.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/pYjSEt8H60rt/1787370007/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8s5jQ2KqQi2</video:player_loc>
      <video:duration>160</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-59-foreign-language-documents-notary-doesnt-need-to-read</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 59, Foreign-Language Documents Notary Doesnt Need to Read</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary can notarize a signature on a document written in a language they do not understand. - The primary notarial duties are to verify the signers identity and witness the signature, not to understand or validate the documents contents. - The notarial certificate must always be completed in a language the notary reads, writes, and understands, such as English. - Arizona uniquely allows a notary to communicate with a signer either directly in a shared language or indirectly through a physically present translator. - A helpful mnemonic for the exam is: Verify the Signer, Not the Script, focusing your duty on the person, not the text. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jMjyld84-K4Y/8c4ik2fWQy2_HEJBBF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/jMjyld84-K4Y/1787370006/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8c4ik2fWQy2</video:player_loc>
      <video:duration>159</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-16-seal-format-rules</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 16, Seal Format Rules</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notarys official seal must be a rubber stamp using dark ink, such as black or dark blue an embosser may be used as a supplement but not as a replacement. - The seal must be photographically reproducible, which is why an ink stamp is required and an embosser alone is insufficient. - A compliant seal must contain the words Notary Public, the notarys name, county of commission, commission expiration date, and the Great Seal of Arizona. - The seals shape can be rectangular (not to exceed 1.5 by 2.5 inches) or circular (not to exceed 1.5 inches in diameter). - The notary is legally required to maintain exclusive control of their seal at all times, and only one official seal may be possessed at a time. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OMbSpd5W74A7/Cs4yk3LGRj2_FKPDsv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OMbSpd5W74A7/1787370019/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Cs4yk3LGRj2</video:player_loc>
      <video:duration>158</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-11-preflight-inspection-requirements</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 11, Preflight Inspection Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Remote Pilot in Command (PIC) is always ultimately responsible for the preflight inspection, even if the task is delegated. - There is no standardized FAA-required preflight checklist you must follow the drone manufacturers recommended procedures. - Preflight assessment under 107.49 includes the operating environment, risks to people, aircraft condition, control links, sufficient power, and crew briefings. - Sufficient power means enough for the planned flight plus a reserve for contingencies, not just a full battery charge. - A common exam trap is the idea of an FAA-approved checklist the correct answer always refers to manufacturer guidelines. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TInKAx54A47X/8Yy5kwKWRy2_zoiXlt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TInKAx54A47X/1787370020/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Yy5kwKWRy2</video:player_loc>
      <video:duration>159</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-96-correcting-errors-on-certificates-line-through-initial-date</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 96, Correcting Errors on Certificates Line Through, Initial, Date</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The only acceptable method to correct minor errors on an Arizona notarial certificate: line through, correct, initial, and date. - Why using white-out, correction fluid, or erasing an error is strictly prohibited and a common exam trap. - That the original error must remain legible after being struck through to maintain the documents integrity. - How to handle major errors by attaching a completely new and correct loose notarial certificate. - The importance of documenting any and all corrections in your notary journal to maintain an accurate official record. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/RoCKcdS4t4i4/8ZyOkgLbRz2_jUplom.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/RoCKcdS4t4i4/1787370041/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8ZyOkgLbRz2</video:player_loc>
      <video:duration>161</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-46-cgl-coverage-c-medical-payments</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 46, CGL Coverage C Medical Payments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That CGL Coverage C provides no-fault medical payments for third parties injured on an insureds premises or because of their operations. - How Coverage C acts as a goodwill measure to prevent larger lawsuits, unlike Coverage A which requires the insured to be legally liable. - The crucial exam concept that expenses must be incurred and reported within one year of the accident date to be covered. - Key exclusions, such as injuries to the insured, employees (which are covered by Workers Compensation), or tenants. - The difference between CGL Medical Payments for third parties and Personal Auto Medical Payments which covers the insured and their passengers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/moiuFxnPt0Jt/Cty5lxLqQy2_HHRCNj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/moiuFxnPt0Jt/1787370048/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Cty5lxLqQy2</video:player_loc>
      <video:duration>161</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-60-remote-online-notarization-ron-authorization</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 60, Remote Online Notarization (RON) Authorization</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona authorized Remote Online Notarization (RON) effective July 1, 2020, under A.R.S. 41-371 to 41-380. - An Arizona notary must be physically located within Arizonas borders at the time of any RON act. - The person signing the document (the principal) can be located anywhere in the world during the RON session. - RON requires the use of a secure, state-approved audio-visual technology platform, not consumer-grade video chat apps. - A common exam trap is confusing the notarys fixed location requirement (in Arizona) with the signers flexible location (anywhere). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ToDmtrDWwWRX/CJ5OkNebQj2_zqcmmZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ToDmtrDWwWRX/1787370053/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CJ5OkNebQj2</video:player_loc>
      <video:duration>160</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-22-homeowners-special-limits-and-scheduled-property</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 22, Homeowners Special Limits and Scheduled Property</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Standard exam sublimits for money (200), jewelry (1,500), and firearms (2,500). - Why theft-related sublimits for items like jewelry and silverware do not apply to other perils like fire. - The different on-premises (2,500) and off-premises (500-1,500) limits for business property. - How the Scheduled Personal Property Endorsement provides agreed-value, open-peril coverage to bypass sublimits. - Why appraisals are necessary to schedule high-value items and how this impacts claim payments. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OpbmEtDO2Glt/Cd5zRgfrQj2_fiZgGC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OpbmEtDO2Glt/1787370056/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Cd5zRgfrQj2</video:player_loc>
      <video:duration>161</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-36-awareness-and-willingness-determination</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 36, Awareness and Willingness Determination</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That an Arizona notarys primary duty is to ensure a signer is both aware of the documents contents and signing willingly, without coercion. - How to use direct, open-ended questions to assess a signers understanding and capacity, especially if they appear confused or medicated. - Why you must refuse a notarization if a signer seems unaware or pressured, even if they present valid identification. - To recognize common exam traps that pit valid ID against a signers questionable mental state awareness and willingness always take precedence. - The importance of documenting the refusal in your notary journal to protect yourself and demonstrate you have properly discharged your duties. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/kyCqwfS52K45/CJyykheWQy2_ofsiSm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/kyCqwfS52K45/1787370064/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CJyykheWQy2</video:player_loc>
      <video:duration>162</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-22-lost-or-stolen-journalseal-reporting</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 22, Lost or Stolen Journal/Seal Reporting</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The mandatory 10-day deadline to report a lost or stolen seal or journal to the Arizona Secretary of State. - The specific 1,000 civil penalty for failing to report within the required timeframe. - The legal requirement to inform law enforcement in the case of theft, versus a simple loss. - Why you must immediately suspend all notarial acts upon discovering a missing seal. - The common exam trap of confusing the Secretary of State with the County Recorder for reporting a lost journal. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PimmsvDG_GBW/CZ5Ok2fGk42_Mbqxhb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PimmsvDG_GBW/1787370363/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CZ5Ok2fGk42</video:player_loc>
      <video:duration>161</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-53-workers-compensation-premiums-and-classification</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 53, Workers Compensation Premiums and Classification</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That workers comp premium is based on payroll per 100, which is then multiplied by a specific job classification rate. - How the Experience Modification Rate (EMR) acts as a multiplier, rewarding safer companies with lower premiums and penalizing riskier ones. - Why a final premium audit is conducted to reconcile estimated payroll with actual payroll, which can result in additional premiums or a refund. - The exam trap that an employees entire payroll may be assigned to a high-risk classification, even if they only perform those hazardous duties part-time. - How businesses become liable for covering uninsured subcontractors, requiring the inclusion of the subcontractors payroll in their own premium calculations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/o5vSdtOW-OPA/DI45QxfqRO2_umGcnn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/o5vSdtOW-OPA/1787370478/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DI45QxfqRO2</video:player_loc>
      <video:duration>162</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-87-i-9-employment-verification-personal-capacity-only</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 87, I-9 Employment Verification Personal Capacity Only</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona Notary acts as a private individual, an authorized representative, not a notary, when completing Form I-9. - You are prohibited from using your notary seal or making a journal entry for Form I-9 verification. - The I-9 process is governed by federal USCIS regulations, not Arizona state notary laws. - You must clearly communicate to the employee that you are not performing a notarial act. - On the exam, select the option that describes signing as an authorized representative and reject any options involving official notarial tools or acts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/S5zKgdCX70kB/DI4Pk2LaQO2_rUfwvl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/S5zKgdCX70kB/1787370479/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DI4Pk2LaQO2</video:player_loc>
      <video:duration>164</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-11-exclusions-and-endorsements</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 11, Exclusions and Endorsements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Exclusions are provisions that narrow coverage by removing specific perils or property from the base policy. - Endorsements are written modifications used to add, remove, or change the terms of a standard insurance contract. - When there is a conflict between the main policy and an endorsement, the endorsements language always takes precedence. - Exam questions often test how an endorsement can add coverage for a peril that is specifically excluded in the base policy, such as sewer backup. - Scheduled Personal Property Endorsements are used to insure high-value items for their full appraised value, overriding standard sub-limits found in the policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SPfmkf4G-Sat/9s5ylNfaRO2_hYYneL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SPfmkf4G-Sat/1787370496/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9s5ylNfaRO2</video:player_loc>
      <video:duration>162</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-27-fractions-decimals-percent-conversions</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 27, Fractions, Decimals, Percent Conversions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why instant recall of common fraction, decimal, and percent conversions is essential for succeeding on the timed AFOQT math subtests. - How the AFOQT embeds these conversions within word problems to test your true understanding, not just rote memorization. - To identify common exam traps, such as answering the wrong part of a question or getting stuck in lengthy calculations. - The most efficient method for handling calculations involving mixed numbers by first converting them to improper fractions. - A simple mnemonic, FDP (Fraction-Decimal-Percent), to quickly recall whether to divide or multiply during conversions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/m9rKcdPPAOQq/DY5PkgfrR42_yPVKBW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/m9rKcdPPAOQq/1787370479/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DY5PkgfrR42</video:player_loc>
      <video:duration>163</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-45-cgl-coverage-b-personal-and-advertising-injury</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 45, CGL Coverage B Personal and Advertising Injury</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That CGL Coverage B protects against specific non-physical torts like libel, slander, false arrest, and copyright infringement in advertising. - How to distinguish covered personal and advertising injury from bodily injury in Coverage A. - The importance of the knowing violation exclusion, which denies coverage for intentional acts. - The function of the prior publication exclusion, which bars coverage for material first published before the policy period. - A simple mnemonicBad-mouthing, Branding, and Botheringto recall the main categories of covered offenses. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UqzSojazs4OY/DZziQMeGQ52_VzdQNk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UqzSojazs4OY/1787370621/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DZziQMeGQ52</video:player_loc>
      <video:duration>166</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-69-block-counting-pacing-9-seconds-per-question</loc>
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      <video:title>AFOQT Exam Prep 69, Block Counting Pacing 9 Seconds Per Question</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To master the demanding 9-second-per-question pace required for the Block Counting subtest. - How to use the Seven and bubble, leave trouble technique to maintain critical forward momentum. - Why attempting all 30 questions is statistically superior to leaving difficult ones blank. - To avoid the common exam trap of agonizing over complex block stacks, which wastes valuable time. - That the AFOQT does not have a guessing penalty, making it essential to answer every question. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QefKoFWbwOaq/9J5yR2LHR42_mUarvD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QefKoFWbwOaq/1787370620/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9J5yR2LHR42</video:player_loc>
      <video:duration>163</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-42-right-of-way-rules-yielding-to-manned-aircraft</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 42, Right of Way Rules Yielding to Manned Aircraft</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why a small unmanned aircraft must always yield right-of-way to all other aircraft under FAA Part 107.37. - The absolute responsibility of the Remote Pilot in Command to see and avoid manned aircraft. - Correct procedures for handling a converging course with another aircraft during an exam scenario. - Common exam traps involving scenarios where manned aircraft appear to be operating unusually. - A memorable phrase to ensure you always remember to yield and take evasive action. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/RHmygn1yZOJB/9ZzzkhKHQ42_xYUsXu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/RHmygn1yZOJB/1787370747/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9ZzzkhKHQ42</video:player_loc>
      <video:duration>164</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-31-acceptable-ids-in-detail</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 31, Acceptable IDs in Detail</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The primary, most secure forms of identification accepted by Arizona notaries. - The specific requirements for accepting a foreign passport, which is only valid for certain transaction types. - Arizonas strict unexpired rule for all identification and how it differs from other states. - Which common forms of identification, like student or work IDs, are explicitly prohibited. - The acceptability of Permanent Resident Cards and Tribal IDs for notarizations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mYq4lj1zsWJq/06yyQwerlj2_mvPVdE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mYq4lj1zsWJq/1787370746/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=06yyQwerlj2</video:player_loc>
      <video:duration>164</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-exam-prep-16-matrix-operations-determinants-inverse-eigenvalues</loc>
    <video:video>
      <video:title>FE Exam Prep 16, Matrix Operations Determinants, Inverse, Eigenvalues</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to quickly calculate 2x2 and 3x3 determinants using cofactor expansion as found in the NCEES Handbook. - The critical role of the determinant in finding a matrix inverse and why a determinant of zero means no inverse exists. - The setup and solution of the characteristic equation, det(A λI) = 0, to find a matrixs eigenvalues. - Why matrix multiplication is not commutative (AB BA) and how this can be a trick on the exam. - How to efficiently solve systems of linear equations (Ax = b) using your calculator and the concept of the matrix inverse. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/O1aaEzuyZGct/0A4ikgLrlz2_fdVfNv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/O1aaEzuyZGct/1787370747/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0A4ikgLrlz2</video:player_loc>
      <video:duration>164</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-35-garagekeepers-and-auto-dealers-coverage</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 35, Garagekeepers and Auto Dealers Coverage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The crucial difference between Garage Liability (for BI/PD to third parties) and Garagekeepers (for customers cars). - How the concept of care, custody, or control is the trigger for Garagekeepers coverage. - The distinction between Legal Liability and Direct Primary basis for Garagekeepers and how its tested. - How Auto Dealers Physical Damage coverage protects a dealerships own vehicle inventory. - Common exam traps, such as confusing the two primary coverages and misapplying liability triggers in claim scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Tey4opbj-Klq/0A5OR3KHQi2_TThnaF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Tey4opbj-Klq/1787370882/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0A5OR3KHQi2</video:player_loc>
      <video:duration>166</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-67-ron-certificate-language</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 67, RON Certificate Language</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Arizona RON certificates must contain a specific statement that the notarial act was performed using communication technology. - This requirement is mandated by Arizona Revised Statutes 41-376. - The technology statement is an additional requirement on top of all standard notarial certificate elements like venue and date. - How the Arizona Notary Exam tests this concept through multiple-choice questions requiring you to identify a compliant certificate. - The mnemonic RON needs the Tech Tone to remember to always look for the technology statement on a remote notarial certificate. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VNrSkpvyZ47s/0k5jRNKXQy2_nwlczX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VNrSkpvyZ47s/1787370869/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0k5jRNKXQy2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-19-homeowners-section-ii-liability-coverages</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 19, Homeowners Section II Liability Coverages</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Coverage E (Personal Liability) protects you when you are legally at fault for injuries or property damage. - The function of Coverage F (Medical Payments) as a no-fault coverage to handle minor injuries and prevent lawsuits. - Who is considered an insured under the policy, including resident relatives and minors in your care. - Common exam traps related to the exclusion of business activities and its exceptions for young insureds. - The key difference between liability coverage, which requires fault, and medical payments, which do not. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UuaCEDqq_Odz/uB4iRNfalj2_RCevhd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UuaCEDqq_Odz/1787370873/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uB4iRNfalj2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-18-homeowners-section-i-property-coverages</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 18, Homeowners Section I Property Coverages</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Coverage A (Dwelling) protects the main home, attached structures, and construction materials on site. - Coverage B (Other Structures) has a standard limit of 10% of Coverage A and excludes structures used for business. - Coverage C (Personal Property) is typically 50% of Coverage A and has special sub-limits for items like jewelry and silverware. - Coverage D (Loss of Use) pays for the increase in living expenses, not normal ongoing costs like a mortgage. - The mnemonic Dont Overlook Peoples Losses is a simple way to recall the first four property coverages. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PaqOsn1j_Wd5/u7yjRweqkz2_CyptYT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PaqOsn1j_Wd5/1787370872/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u7yjRweqkz2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-48-prince2-and-data-management-7th-edition-focus</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 48, PRINCE2 and Data Management 7th Edition Focus</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How PRINCE2 7th Edition integrates data management directly into its practices and documents it in the new digital and data management approach. - The critical role of Product Descriptions in defining specific, measurable data quality and security criteria. - How to identify the correct roles for data ownership as a key aspect of project governance, a common exam confusion point. - The importance of aligning project activities with data regulations like GDPR and embedding these requirements into the projects scope. - A simple mnemonic, CARS (Classified, Accountable, Retained, Secured), to recall key data management responsibilities in exam scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/iemmllGa64J5/ulzPRNKrlz2_WjTPAQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/iemmllGa64J5/1787370872/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ulzPRNKrlz2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-29-nerve-injury-recognition-and-response</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 29, Nerve Injury Recognition and Response</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The hallmark signs of a nerve injury during phlebotomy, such as sharp, shooting, or electric pain. - That the immediate and primary response to suspected nerve injury is to stop the draw and remove the needle. - Why the basilic vein is a high-risk site for venipuncture due to its proximity to major nerves and the brachial artery. - The essential post-incident steps: applying pressure, documenting the event in detail, and notifying a supervisor. - How to differentiate nerve pain from other common complications like hematomas for exam purposes. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/j4emBDKq3W4W/0Q5OQgfHQ52_sEqGcP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/j4emBDKq3W4W/1787371380/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Q5OQgfHQ52</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-100-continuing-education-and-staying-current</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 100, Continuing Education and Staying Current</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Arizona does not mandate continuing education for notary renewal, but it is strongly recommended by the Secretary of State. - How the exam tests the difference between a recommendation and a legal requirement, emphasizing professional liability. - That ignorance of new statutes, such as changes to journal requirements or Remote Online Notarization (RON) procedures, is not a valid defense for misconduct. - Why the Arizona Notary Public Reference Manual is the primary and sole official source for all rules and updates. - The importance of lifelong learning to mitigate risks, avoid liability, and faithfully perform your notarial duties under current law. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TBnaslKbB4bs/ulzOkheGRO2_lBhkiH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TBnaslKbB4bs/1787371500/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ulzOkheGRO2</video:player_loc>
      <video:duration>167</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-100-exam-day-strategy-and-final-review</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 100, Exam Day Strategy and Final Review</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To manage your time on the NHA CPT exam, allocating approximately 1.2 minutes for each of the 100 scored questions. - A systematic strategy for answering questions: read fully, identify keywords, eliminate wrong answers, and never leave a question blank. - How to perform a final knowledge check across the five core exam domains: Safety, Patient Preparation, Routine Collections, Special Collections, and Processing. - The critical importance of memorizing the order of draw and corresponding tube top colors as a frequently tested concept. - A mnemonic to easily recall the order of draw: Boys Love Ravishing Girls Like Dieters Love Greek Yogurt. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UpDCxpbj_SIZ/075iRhKWRP2_bKrVUm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UpDCxpbj_SIZ/1787371507/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=075iRhKWRP2</video:player_loc>
      <video:duration>168</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-64-audio-video-recording-retention</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 64, Audio-Video Recording Retention</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona law requires retaining the complete audio-video recording of every Remote Online Notarization (RON) for a minimum of five years. - The recording must capture the entire notarial act, including ID verification, credential analysis, and the signing of the document. - While a third-party RON platform can store the recording, the individual notary public remains legally responsible for its retention. - The A/V recording is a separate requirement from the electronic journal entry, although both have a five-year minimum retention period in Arizona. - Exam questions often use scenarios to test the notarys ultimate responsibility for retention, even if a technology platform fails or a commission ends. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Tjj4lDrrF8JA/0B5jQ3fXQO2_KFIuQY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Tjj4lDrrF8JA/1787371500/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0B5jQ3fXQO2</video:player_loc>
      <video:duration>166</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-39-cold-agglutinin-specimen-handling</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 39, Cold Agglutinin Specimen Handling</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Cold agglutinin tests demand a pre-warmed red-top tube that is kept at a constant 37C. - Allowing the specimen to cool causes red blood cells to agglutinate, or clump together. - RBC clumping results in falsely decreased red blood cell counts and falsely increased MCV. - Never confuse the warm handling required for cold agglutinins with tests that require chilling, such as ammonia. - The entire process, from collection through transport and centrifugation, must be maintained at body temperature to ensure accurate results. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UFbyxzuj_Oks/07zjQNLHR52_hxMfta.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UFbyxzuj_Oks/1787371499/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=07zjQNLHR52</video:player_loc>
      <video:duration>166</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-19-required-journal-entry-fields</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 19, Required Journal Entry Fields</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The required fields for every Arizona notary journal entry as specified by A.R.S. 41-319. - How to correctly describe a document and notarial act, avoiding vague descriptions that appear on the exam. - The specific details needed when recording a signers government-issued identification. - Common exam traps, such as how to record a waived fee and the strict prohibition on accepting expired IDs. - A memorable shortcut (WHO, WHAT, WHEN, HOW, HOW MUCH) to recall all journal requirements during your test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/kpbStpua6WOX/1k4ikgKalP2_dlijHH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/kpbStpua6WOX/1787371500/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1k4ikgKalP2</video:player_loc>
      <video:duration>166</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-2026-complete-free-50-lesson-course</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 2026: Complete FREE 50-Lesson Course</video:title>
      <video:description>FAA Part 107 Remote Pilot exam prep starts here. This video introduces the complete Open Exam Prep Part 107 study playlist: 50 numbered lessons followed by related long-form guides, with Shorts intentionally excluded. Current FAA certification snapshot for first-time remote pilots: - Minimum age: 16 - Meet the FAAs English-language and physical-and-mental fitness requirements - Pass the Unmanned Aircraft General Small (UAG) knowledge test - 60 test questions - Up to 2 hours - Complete applicable online recurrent training within the previous 24 calendar months to maintain aeronautical knowledge recency Full course playlist: https://www.youtube.com/playlist?list=PLNDbEch1bezc The course covers regulations, operating limits, airspace, sectional charts, LAANC, weather, loading and performance, airport operations, emergency procedures, aeronautical decision-making, night operations, Remote ID, and test strategy. Free FAA Part 107 practice questions: https://open-exam-prep.com/practice/faa-part-107 Complete FAA Part 107 study guide: https://open-exam-prep.com/blog/faa-part-107-drone-pilot-study-guide-2026 Part 107 airspace, sectional charts, and LAANC: https://open-exam-prep.com/blog/part-107-airspace-sectional-charts-laanc-2026 FAA Part 107 recurrent training and renewal: https://open-exam-prep.com/blog/faa-part-107-recurrent-training-renewal-2026 Official FAA certification process: https://www.faa.gov/uas/commercialoperators/becomeadronepilot Official FAA Remote Pilot Airman Certification Standards: https://www.faa.gov/trainingtesting/testing/acs/uasacs.pdf FAAPart107 Part107 DronePilot RemotePilot DroneCertification ExamPrep OpenExamPrep Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:45 - Scene 2 1:28 - Scene 3 2:12 - Next steps</video:description>
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      <video:content_loc>https://streaming.open.video/contents/j6zugDbjBWiZ/1787371579/index.m3u8</video:content_loc>
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      <video:duration>170</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-39-equipment-breakdown-coverage</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 39, Equipment Breakdown Coverage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Equipment Breakdown covers only sudden and accidental breakdown, excluding gradual wear and tear, rust, or corrosion. - It fills a critical gap, as standard property policies exclude internal failures like mechanical breakdown or boiler explosion. - Covered equipment is broad, including boilers, electrical panels, HVAC systems, production machinery, and computer systems. - Key coverage extensions often tested are Spoilage Damage for perishable goods and Business Income for lost profits during downtime. - A common exam trap is distinguishing a covered sudden event (e.g., motor burnout) from an uncovered maintenance issue (e.g., slow corrosion). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VUfmBjerEKOX/1l4ikNLrk52_WCZzyi.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1l4ikNLrk52</video:player_loc>
      <video:duration>170</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-46-sdi-validity-scales-and-faking-detection</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 46, SDI Validity Scales and Faking Detection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - What the AFOQT SDI validity scales are designed to measure. - How creating a too good to be true profile can result in a negative flag. - The method of using paired, contradictory questions to detect inconsistency. - Why overuse of neutral or cannot decide answers is a red flag for evasiveness. - That selection boards see validity flags, making honesty more important than a perfect-seeming profile. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/m-nOplarFSQ5/1ly5RNfqlO2_aZfLEY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/m-nOplarFSQ5/1787371587/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1ly5RNfqlO2</video:player_loc>
      <video:duration>167</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-43-fee-disclosure-requirements-spanish-practice</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 43, Fee Disclosure Requirements Spanish Practice</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific advertising language (e.g., notario publico) that triggers mandatory disclaimers for Arizona notaries. - The exact wording of the disclaimer required by A.R.S. 41-329 and its dual-language (English and Spanish) requirement. - The critical distinction between a U.S. Notary Public and a notario publico in other countries, a common point of confusion. - How this rule is tested on the exam, including scenario-based questions and common trick wording. - The severe penalties for non-compliance, including commission revocation and potential felony charges. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/o4vioF1b60b5/vB5ikNfakO2_yllcbq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/o4vioF1b60b5/1787371579/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vB5ikNfakO2</video:player_loc>
      <video:duration>170</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-05-trust-funds-and-trust-account-handling</loc>
    <video:video>
      <video:title>Real Estate Exam California 05, Trust Funds and Trust Account Handling</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Trust funds must be deposited into a trust account, neutral escrow, or given to the principal within three business days of receipt. - Commingling is the illegal mixing of client funds with a brokers personal funds. - A broker can legally keep up to 200 of their own money in a trust account strictly to cover bank service fees. - Conversion is the illegal use or theft of client funds for personal or business expenses, which is more severe than commingling. - Brokers are required by California law to maintain all trust fund and transaction records for a minimum of three years. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lSzWBzXiF0kZ/1BzjRhfrl52_OuJZHu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/lSzWBzXiF0kZ/1787371579/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1BzjRhfrl52</video:player_loc>
      <video:duration>169</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-91-critical-value-reporting-and-read-back</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 91, Critical Value Reporting and Read-Back</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - What defines a critical (or panic) value and why it requires immediate notification. - The correct step-by-step procedure for verbally reporting a critical lab result. - Why the read-back verification is a mandatory step required by The Joint Commission. - The essential elements that must be documented after reporting a critical value. - Common exam traps related to who to notify and what to do if they are unavailable. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/nYimtjuPx0d5/vR55RheGRO2_OuUWNw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/nYimtjuPx0d5/1787371822/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vR55RheGRO2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-86-non-rated-officer-track-just-verbal-and-quantitative</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 86, Non-Rated Officer Track Just Verbal and Quantitative</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - For non-rated AFOQT candidates, only the Verbal (minimum 15) and Quantitative (minimum 10) composite scores are required for qualification. - How to perform test prep triage by focusing study efforts exclusively on the five subtests that form the Verbal and Quantitative composites. - To identify the specific AFOQT subtests to de-prioritize, such as Aviation Information and Instrument Comprehension, to save valuable study time. - To recognize the common trap of studying all AFOQT sections equally, which is an inefficient strategy for non-rated career tracks. - How to apply the mnemonic For Non-Rated, its V-Q for me, forget the other three! to maintain focus on the only scores that matter. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/l2C0gBf53KIY/vlz5RNLHQP2_lXvEIM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/l2C0gBf53KIY/1787371867/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vlz5RNLHQP2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-38-contingencies-deposits-and-liquidated-damages</loc>
    <video:video>
      <video:title>Real Estate Exam California 38, Contingencies, Deposits, and Liquidated Damages</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - In California, contingencies are not removed automatically after a time period expires they require an active, written removal by the buyer. - If a buyer defaults on an owner-occupied residential purchase, the sellers liquidated damages are capped at 3% of the purchase price, or the deposit amount, whichever is less. - The three primary buyer contingencies are Inspection, Loan, and Appraisal (remember I-L-A), which protect the buyers deposit. - A buyers earnest money deposit is generally refundable if they cancel the contract based on a valid, active contingency. - Mediation is a mandatory first step for dispute resolution under the RPA, while binding arbitration is optional and only applies if both parties initial the clause. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/j1megpaWY0O5/8A5ilxKali2_EFxBrS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/j1megpaWY0O5/1787371893/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8A5ilxKali2</video:player_loc>
      <video:duration>172</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-38-bleeding-time-test-modified-ivy-method</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 38, Bleeding Time Test Modified Ivy Method</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical importance of maintaining a blood pressure cuff at exactly 40 mmHg during the Modified Ivy Method. - How to correctly perform the blotting procedure every 30 seconds without touching the incision site to avoid invalidating the test. - The normal reference range for bleeding time (2-9 minutes) and what a prolonged result signifies about platelet function. - Why screening for aspirin and NSAID use within the last 7-14 days is a crucial pre-analytical step that is often tested. - The key difference between the bleeding time test, which assesses platelet plug formation, and clotting time tests that evaluate the coagulation cascade. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UIealz1HsOkz/8A5zkMLqkz2_USDOVN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UIealz1HsOkz/1787371890/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8A5zkMLqkz2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-33-blood-culture-order-in-draw-sequence</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 33, Blood Culture Order in Draw Sequence</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Blood cultures must always be drawn first in the order of draw to prevent microbial contamination from non-sterile tube stoppers. - The principle of sterile before systems dictates that blood cultures precede all other tubes, including light blue top coagulation tubes, regardless of test priority. - Inadequate blood volume is a critical factor that can lead to false-negative blood culture results, as it reduces the sensitivity of the test. - After collection, blood culture bottles should be gently inverted 5 to 8 times to ensure proper mixing of blood and culture media without causing hemolysis. - Pediatric blood culture collections have specific requirements, often utilizing a single aerobic bottle with a much smaller volume based on the patients weight. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PMmyFBKHZ0i7/CAy4QMfGki2_OpvNLv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PMmyFBKHZ0i7/1787371879/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CAy4QMfGki2</video:player_loc>
      <video:duration>170</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-74-resignation-procedure</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 74, Resignation Procedure</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To resign a notary commission in Arizona, you must first submit a written notice to the Secretary of State. - Following resignation, the notary journal and physical seal must be delivered to the Secretary of States office within three months. - Failure to surrender your notarial records and seal within the three-month window can lead to fines ranging from 50 to 500. - No refunds for application fees or the surety bond premium are issued upon resignation of a notary commission. - A common exam trap is confusing the Secretary of State with the County Recorder as the destination for surrendered journals and seals. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UIqCwzbWsSky/CByOQ3erki2_vqvkQK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UIqCwzbWsSky/1787371845/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CByOQ3erki2</video:player_loc>
      <video:duration>172</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-71-the-four-forces-of-flight-lift-weight-thrust-drag</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 71, The Four Forces of Flight Lift, Weight, Thrust, Drag</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The definitions and directions of the four fundamental forces of flight: Lift, Weight, Thrust, and Drag. - The equilibrium state of forces during steady, unaccelerated, level flight where Lift equals Weight and Thrust equals Drag. - How the balance of forces changes during climbs and descents. - Why total lift must be greater than weight during a coordinated, level turn and the concept of increased load factor. - Common AFOQT traps, such as the relationship between forces during a turn versus straight and level flight. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lIiqljHW24Rs/8l44k3Lakz2_iYVWaI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/lIiqljHW24Rs/1787371884/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8l44k3Lakz2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-32-personal-auto-physical-damage</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 32, Personal Auto Physical Damage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Collision coverage applies to the upset (rollover) of your vehicle or its impact with another vehicle or object. - Other-Than-Collision (Comprehensive) covers perils like theft, hail, flood, vandalism, and contact with an animal. - Hitting a deer is an Other-Than-Collision claim, but swerving to miss a deer and hitting a tree is a Collision claim a frequent exam trap. - Transportation Expenses coverage has a waiting period: 24 hours for most physical damage losses and 48 hours for theft. - Specified Perils coverage is a limited, named-peril alternative to the broader Other-Than-Collision coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jNbWglWWZG5W/Cl5yl2eakj2_FVZzaf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/jNbWglWWZG5W/1787371965/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Cl5yl2eakj2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-9-policy-structure-and-declarations</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 9, Policy Structure and Declarations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Declarations page personalizes the policy, detailing the who, what, where, when, and how much. - Exam questions frequently test where to find specific information like named insureds, policy limits, and deductibles (Answer: Declarations). - The Insuring Agreement contains the insurers core promise to pay for covered losses and defines the perils covered. - Exclusions take away coverage specified in the insuring agreement, while Conditions outline the rules and duties of the insured and insurer. - Use the mnemonic D.I.C.E. (Declarations, Insuring Agreement, Conditions, Exclusions) to recall the main components of an insurance policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mNfapp15xG45/8lyyk3fHlj2_ctkDZj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mNfapp15xG45/1787371964/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8lyyk3fHlj2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-03-dre-jurisdiction-and-disciplinary-actions</loc>
    <video:video>
      <video:title>Real Estate Exam California 03, DRE Jurisdiction and Disciplinary Actions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The primary role of the California DRE and Real Estate Commissioner is to protect the public by enforcing the Real Estate Law. - The DREs disciplinary process typically involves an investigation, an Accusation, and the licensees right to a formal hearing. - The Commissioners disciplinary options range from issuing a probationary restricted license to temporary suspension or permanent revocation. - A Desist and Refrain Order is used to immediately halt illegal or unlicensed activities that pose a threat to the public. - A critical exam distinction: The DRE has authority over licenses but cannot impose criminal penalties (like jail time) or award civil damages. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/S3vCtpW5sSZW/87yPlxeWky2_mBftan.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/S3vCtpW5sSZW/1787371965/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=87yPlxeWky2</video:player_loc>
      <video:duration>172</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-49-professional-liability-and-errors-and-omissions</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 49, Professional Liability and Errors and Omissions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Professional Liability covers financial loss from professional mistakes, while CGL covers bodily injury and property damage. - Errors &amp;amp; Omissions (E&amp;amp;O) is for service professionals like agents, while Malpractice insurance is for medical professionals. - Directors &amp;amp; Officers (D&amp;amp;O) liability protects corporate leaders from lawsuits by shareholders over mismanagement. - Employment Practices Liability (EPLI) shields employers from employee claims like discrimination and wrongful termination. - Cyber Liability insurance is a professional liability policy that covers the financial costs of data breaches. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Ocn0ozXGFO47/DQ45QgKrki2_qFAFge.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Ocn0ozXGFO47/1787372042/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DQ45QgKrki2</video:player_loc>
      <video:duration>172</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-70-hipaa-authorized-disclosures</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 70, HIPAA Authorized Disclosures</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Treatment, Payment, and Operations (TPO) are the three primary situations where PHI can be disclosed without specific patient authorization. - To recognize that disclosures for purposes like marketing, fundraising, or to third parties such as employers require explicit, written patient consent. - That patients have a right to access their own health records, and facilities are required to provide them within a 30-day timeframe. - About key patient rights including the right to request amendments to their records, restrict disclosures, and receive an accounting of who has accessed their information. - How to use the A-A-R-A mnemonic (Access, Amend, Restrict, Accounting) to easily recall the four fundamental patient rights under HIPAA. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TwDKwprG-WZW/9A4zR3eqRy2_PRbtmE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TwDKwprG-WZW/1787372041/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9A4zR3eqRy2</video:player_loc>
      <video:duration>173</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-37-document-review-before-notarizing</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 37, Document Review Before Notarizing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To refuse notarization on any document with blank spaces, as required by Arizona law to prevent fraud. - The importance of verifying all pages of a document are present before notarizing to prevent misuse of the signature page. - That the notarial certificate must be fully completed with the correct venue and date before you affix your seal. - That you are prohibited from choosing the type of notarial certificate for a signer, as this is the unauthorized practice of law. - How to explain the difference between an acknowledgment and a jurat to a signer so they can make an informed choice. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/nvDKtlK57Sq4/9A5ORhLqQj2_UWMsRK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/nvDKtlK57Sq4/1787372041/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9A5ORhLqQj2</video:player_loc>
      <video:duration>172</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-29-personal-knowledge-identification</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 29, Personal Knowledge Identification</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Personal knowledge in Arizona requires familiarity from interactions over a sufficient time to eliminate reasonable doubt about a signers identity. - Exam questions will test your judgment in scenarios, distinguishing true personal knowledge from casual acquaintance or recognizing someone by reputation. - A common exam trap is a situation where a notary has known someone for a short period or only through superficial interactions. - Your notary journal must specifically state that identification was verified through personal knowledge when this method is used. - When in doubt about the sufficiency of your personal knowledge, the safest and most common practice is to request a valid government-issued ID. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jNCmAj0H7W5Y/9kz5QMfaRi2_drszUs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/jNCmAj0H7W5Y/1787372224/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9kz5QMfaRi2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-28-protests-of-negotiable-instruments</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 28, Protests of Negotiable Instruments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - What a protest of a negotiable instrument is and its historical purpose as a notarial act. - The specific Arizona statutes, like A.R.S. 47-3505, that govern the process. - Why this notarial act is authorized but very rarely performed by modern notaries. - How to identify common exam traps that confuse a protest with more frequent acts like acknowledgments. - A memorable phrase to help you recall the function of a protest for exam day. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QZamonv4EKZB/9A5zQNKrQj2_EmVrZa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QZamonv4EKZB/1787372244/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9A5zQNKrQj2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-83-affidavits-and-sworn-statements</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 83, Affidavits and Sworn Statements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An affidavit or sworn statement always requires a jurat, which certifies the signer was placed under oath. - The four critical steps for a jurat are: personal appearance, positive identification, administering an oath or affirmation, and watching the person sign. - A notarys duty is to witness the swearing or affirming, not to read, evaluate, or judge the truthfulness of the affidavits contents. - Under A.R.S. 41-328, an Arizona notary must refuse to perform a jurat on a document that is incomplete or contains blank spaces. - The maximum fee for a jurat in Arizona is ten dollars per notarial act, as established by the Secretary of State under A.R.S. 41-316. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QSvCoDbPBOa4/9A4OQ3eWRP2_fxXeCm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QSvCoDbPBOa4/1787372692/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9A4OQ3eWRP2</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-81-latex-allergy-recognition-and-management</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 81, Latex Allergy Recognition and Management</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between an immediate Type I (IgE-mediated) reaction and a delayed Type IV contact dermatitis in latex allergies. - How to identify key foods like banana, avocado, kiwi, and chestnut that have cross-reactivity with latex. - The single most important screening question to ask every patient before a blood draw to ensure their safety. - Why using nitrile gloves and latex-free tourniquets is the standard of care for patients with a known or suspected latex allergy. - The necessary steps to create a latex-safe environment to prevent severe anaphylactic reactions in highly sensitive patients. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/l7quppr568Ht/Dk4OlMLXR52_VQpgTY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/l7quppr568Ht/1787372686/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dk4OlMLXR52</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-16-california-agency-disclosure-form</loc>
    <video:video>
      <video:title>Real Estate Exam California 16, California Agency Disclosure Form</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The crucial difference between the disclosure of agency and the creation of an agency relationship. - The precise timing for when a listing agent must provide the agency disclosure to the seller. - When a buyers agent must deliver the agency disclosure to both the buyer and the seller. - The definition of a dual agent and the specific limitations placed on them in a transaction. - How the agency relationship is formally confirmed within the purchase agreement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QSvegDb5_GIr/9k4PQgLWQ42_lnrMRC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QSvegDb5_GIr/1787372681/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9k4PQgLWQ42</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-19-capillary-puncture-fingerstick-procedure</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 19, Capillary Puncture Fingerstick Procedure</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why the middle and ring fingers are the required sites for an adult capillary puncture and the risks associated with using other fingers. - The critical importance of wiping away the first drop of blood to prevent contamination from tissue fluid and alcohol residue. - The maximum standard lancet depth for an adult fingerstick (2.0 mm) and its role in preventing bone injury and osteomyelitis. - How excessive squeezing or milking the finger causes hemolysis and specimen contamination, leading to inaccurate lab results. - The correct technique of puncturing perpendicular to the fingerprint lines to ensure a well-formed blood drop for easier collection. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/o4veFFKH_OGW/965OQxLGR42_tIOtrL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/o4veFFKH_OGW/1787372692/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=965OQxLGR42</video:player_loc>
      <video:duration>173</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-15-the-official-seal-required-elements</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 15, The Official Seal Required Elements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The five mandatory elements that must appear on an Arizona notary seal as per A.R.S. 41-321. - Why the Great Seal of the State of Arizona is strictly forbidden on a personal notary seal. - The specific physical requirements for the seal, including ink color, reproducibility, and acceptable shapes (rectangular or circular). - The key distinction between required information and optional details like the notary commission number. - How to spot common exam traps related to incorrect seal formats, missing information, and prohibited elements. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/oSfGdz1OA4Pq/9AzzlwfWQP2_atVRVf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/oSfGdz1OA4Pq/1787372681/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9AzzlwfWQP2</video:player_loc>
      <video:duration>172</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-86-vehicle-title-transfers</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 86, Vehicle Title Transfers</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That notarization is no longer required for most in-state Arizona vehicle title transfers as of late 2022, a critical exam update. - The specific exceptions when notarization is still necessary, such as for out-of-state buyers or on a Transfer Bill of Sale form. - Why the sellers government-issued ID must show a name that exactly matches the name printed on the vehicle title. - The legal requirements for a journal entry under A.R.S. 41-319, including the best practice of recording the VIN. - How to use the mnemonic VIPS (VIN, ID, Presence, Signature) as a mental checklist for proper notarization procedure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TbyewDTjY0jz/9Bzyl3eHR52_BvZUqY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TbyewDTjY0jz/1787372761/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9Bzyl3eHR52</video:player_loc>
      <video:duration>175</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-78-tbas-overview-joystick-rudder-multitasking</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 78, TBAS Overview Joystick + Rudder + Multitasking</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the Test of Basic Aviation Skills (TBAS) and AFOQT scores combine to create your critical Pilot Candidate Selection Method (PCSM) score. - The specific skills tested in the progressive joystick and rudder-based tracking subtests. - The structure of the multitasking section, which simultaneously tests psychomotor tracking, auditory processing, and other cognitive tasks. - Common exam traps, such as over-correcting controls and fixating on a single task at the expense of others. - A mental shortcutScan, Process, Actto help manage the intense cognitive load and effectively switch your attention during the test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ibeucjCaY8Ht/0IXadFLbli2_fyhpHd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ibeucjCaY8Ht/1787372762/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0IXadFLbli2</video:player_loc>
      <video:duration>175</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-29-personal-auto-liability-coverage</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 29, Personal Auto Liability Coverage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Part A Liability coverage pays for bodily injury and property damage caused to others, never for the insureds own damages. - Who is considered an insured, including the named insured, resident family members, and those with permissive use. - How to interpret split limits (e.g., 25/50/25) for per-person bodily injury, per-accident bodily injury, and per-accident property damage. - That permissive use can be voided if the vehicle is used for business or by an excluded driver. - That defense costs and supplementary payments, like for bail bonds, are paid in addition to the policys liability limits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lviCknjzZ4Gq/uYrrIFfbkj2_fSKacl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/lviCknjzZ4Gq/1787372778/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uYrrIFfbkj2</video:player_loc>
      <video:duration>175</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-39-completing-the-certificate-step-by-step</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 39, Completing the Certificate Step by Step</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The venue on a notarial certificate must state the Arizona county where the notarization physically occurs, not the signers county of residence. - Never backdate or post-date a notarization the date must always be the day the signer personally appeared before you. - Your notary seal must be placed clearly and legibly, without obscuring any text, and must contain specific elements required by Arizona law. - Always sign the certificate with the exact name that appears on your official notary commission, without any variations or nicknames. - Correct errors on a certificate by striking through with a single line, writing the correction, and adding your initials and the date. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/nfaygz5y2OOq/usqHIVeHli2_fIuMTK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/nfaygz5y2OOq/1787372761/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=usqHIVeHli2</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-31-syncope-fainting-patient-response</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 31, Syncope (Fainting) Patient Response</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Your first action during a syncopal episode is to immediately release the tourniquet and remove the needle. - Properly position the patient by lowering their head or laying them flat with elevated legs to increase blood flow to the brain. - Patients must be monitored for at least 15 minutes after recovery before being allowed to leave to ensure their safety. - Recognize high-risk indicators like a history of fainting, fasting, or visible anxiety to anticipate and prevent syncope. - Accurate and thorough documentation of the incident is a critical and non-negotiable final step. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PruiAzOzsSkA/uIrqIpfWli2_iaYzVg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PruiAzOzsSkA/1787372777/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uIrqIpfWli2</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-65-ic-pacing-12-seconds-per-question</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 65, IC Pacing 12 Seconds Per Question</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To master the 12-second-per-question pace required for the AFOQT Instrument Comprehension subtest. - Why you must trust your first instinct when reading the attitude and heading indicators to avoid losing time. - How to use the 4 2 1 elimination strategy by first checking bank, then pitch. - Why you should always interpret the Attitude Indicator before the Heading Indicator for the fastest results. - To avoid the common trap of over-analyzing the Heading Indicator instead of using it for quick confirmation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SGiahnjaxOGq/0tWrdUKqkz2_rbiDOT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SGiahnjaxOGq/1787372907/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0tWrdUKqkz2</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-65-needlestick-injury-protocol</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 65, Needlestick Injury Protocol</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The first action after a needlestick is always to wash the area thoroughly with soap and water. - Gently encourage the wound to bleed, but never squeeze the site as this can cause further tissue damage. - Report the incident to a supervisor immediately, with formal documentation often required within one hour. - Baseline blood tests for HIV, HBV, and HCV are mandatory for both the healthcare worker and the source patient. - Initiating Post-Exposure Prophylaxis (PEP) for potential HIV exposure is a medical emergency and most effective when started within two hours. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UKCOpDyj2Wls/0JrqIULakj2_PvYUkd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UKCOpDyj2Wls/1787372906/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0JrqIULakj2</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-16-damages-and-supplementary-payments</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 16, Damages and Supplementary Payments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key difference between specific, calculable Special Damages and subjective, non-economic General Damages. - Why Punitive Damages exist to punish the wrongdoer and are typically excluded from liability policy coverage. - That Supplementary Payments are paid by the insurer in addition to the stated policy liability limits. - How to use the BAILED acronym to recall the six types of supplementary payments. - That an insurers duty to defend ends once the policy limit has been paid out for a settlement or judgment.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/RHrClp9zZGsY/0tWqJ_LHlj2_kCtoYv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/RHrClp9zZGsY/1787373032/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0tWqJ_LHlj2</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-49-standard-remote-id-vs-broadcast-modules</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 49, Standard Remote ID vs Broadcast Modules</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Standard Remote ID is built into a drone and broadcasts the control stations live, dynamic location. - A Remote ID Broadcast Module is an add-on for older drones that only broadcasts the initial take-off location. - A common FAA Part 107 exam trap involves scenarios where the pilot moves after takeoff you must know which location (control station vs. takeoff) is being broadcast. - The mnemonic Standard Sends the Station, Module Marks the Memory helps differentiate the two systems. - Flying exclusively within an FAA-Recognized Identification Area (FRIA) is the primary exception to the Remote ID rule. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OJnatn5z2OzB/utqbJ_eWkz2_MPmbhO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OJnatn5z2OzB/1787373047/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=utqbJ_eWkz2</video:player_loc>
      <video:duration>175</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-10-site-cleansing-alcohol-vs-chlorhexidine-vs-iodine</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 10, Site Cleansing Alcohol vs Chlorhexidine vs Iodine</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To use 70% isopropyl alcohol for routine draws and chlorhexidine or iodine for blood cultures. - That a 30-second air-dry time is mandatory for antiseptic effectiveness. - Why you must never re-palpate a venipuncture site after it has been cleansed. - The correct cleansing technique involves moving in concentric circles from the inside out. - How to select a non-alcoholic antiseptic like chlorhexidine for a blood alcohol test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/k3rexlDjt0Zy/0JXGIpeXky2_CkzGet.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/k3rexlDjt0Zy/1787373048/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0JXGIpeXky2</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-66-cancellation-nonrenewal-and-policy-changes</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 66, Cancellation, Nonrenewal, and Policy Changes</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between a mid-term cancellation and an end-of-term nonrenewal. - Why insurers have broader rights to cancel a policy within the first 60 days. - How premium refunds are calculated as pro-rata or short-rate depending on who cancels. - The universal requirement for insurers to provide advance written notice before termination. - That only the insurer can modify policy terms, which must be done via a written endorsement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/O1DGdlTrx0zy/vcqadEeGlz2_iEHOIQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/O1DGdlTrx0zy/1787373026/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcqadEeGlz2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-48-night-vision-physiology-autokinetic-effect-and-illusions</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 48, Night Vision Physiology Autokinetic Effect and Illusions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The autokinetic effect is when a stationary light appears to move mitigate it by continuously scanning the sky and not fixating on the light. - Recognize night illusions like the false horizon, where sloping clouds or ground lights are mistaken for the actual horizon, leading to disorientation. - Optimal dark adaptation for night vision takes approximately 30 minutes, a key testable fact on the FAA Part 107 exam. - Preserve night vision by using a red flashlight and avoiding bright white lights from phones or other sources before and during a flight. - Physiological factors like age, fatigue, smoking, and altitude can significantly impair your night vision capabilities. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/P1D8EDibY4Z5/1cXWdEeHli2_wfohmi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/P1D8EDibY4Z5/1787373026/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1cXWdEeHli2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-5-actual-cash-value-and-replacement-cost</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 5, Actual Cash Value and Replacement Cost</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental difference between Actual Cash Value (ACV) and Replacement Cost is depreciation. - How to calculate ACV using the formula: Replacement Cost - Depreciation = ACV. - Why Agreed Value is used for unique items like classic cars to guarantee a specific payout and avoid disputes. - The critical exam trap of confusing Stated Amount, which is a limit, with Agreed Value, which is a guarantee. - How Salvage Value represents the residual worth of damaged property that an insurer can recover to reduce the total loss payment.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Q3f8sBSz3KXX/vYXqJELGky2_pQxJth.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Q3f8sBSz3KXX/1787373041/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vYXqJELGky2</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-02-salesperson-license-requirements</loc>
    <video:video>
      <video:title>Real Estate Exam California 02, Salesperson License Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three core eligibility requirements are being at least 18, demonstrating honesty, and legal US residency. - The 135 hours of pre-license education must consist of two required courses, Real Estate Principles and Real Estate Practice, plus one elective. - The application process involves distinct steps for the exam and the license, which can be submitted simultaneously. - Fingerprinting via Live Scan is a mandatory part of the license application, not the exam application, and is tied to the honesty requirement. - A salespersons license remains inactive and they cannot practice real estate until they are sponsored by and work under the supervision of a responsible broker. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lHDiEBPrZ8ZZ/vIrbc-KHkj2_jXtQGL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/lHDiEBPrZ8ZZ/1787373032/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vIrbc-KHkj2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-16-work-rate-problems-1a-1b-1t</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 16, Work-Rate Problems 1/A + 1/B = 1/T</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental combined work-rate formula: 1/A + 1/B = 1/T, and what each variable represents. - A time-saving shortcut for the AFOQT: the product over sum method, T = (AB)/(A+B). - How to recognize and solve pipe-filling or draining problems using the same work-rate logic. - To identify common exam traps, such as when a problem provides a rate (e.g., 1/4 of the job per hour) instead of a total time. - The strategy for setting up the equation correctly when you need to solve for an individuals time instead of the combined time. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SZzqsFiiZ8AX/1sWqJEebQy2_mkfysD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SZzqsFiiZ8AX/1787373040/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1sWqJEebQy2</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-50-umbrella-and-excess-liability</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 50, Umbrella and Excess Liability</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key difference between umbrella (broader coverage) and excess (higher limits only) policies. - How a Self-Insured Retention (SIR) functions like a deductible for claims not covered by underlying insurance. - What drop-down coverage means in the context of an umbrella policy. - How underlying limits must be exhausted before an umbrella or excess policy will pay for a covered claim. - Why a follow-form excess policy provides no new types of coverage, only additional money. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/nNiGxDPzB4qq/1tWqcoLrRy2_SaOqvD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/nNiGxDPzB4qq/1787373258/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1tWqcoLrRy2</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/ccna-exam-prep-37-ospf-single-area-configuration</loc>
    <video:video>
      <video:title>CCNA Exam Prep 37, OSPF Single-Area Configuration</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to enable the OSPF routing process using the router ospf command. - The correct structure of the network command, with a specific focus on calculating wildcard masks. - The difference between using the global network command and interface-specific OSPF configuration. - Key verification commands, such as show ip ospf neighbor, and how to interpret their output. - Common CCNA exam traps including mismatched area IDs, incorrect wildcard masks, and passive interfaces. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/p1yCAB9iFGzA/vZWbJFKqQj2_JTWsYH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/p1yCAB9iFGzA/1787373259/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vZWbJFKqQj2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-41-stress-strain-curves-yield-ultimate-ductile-vs-brittle</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 41, Stress-Strain Curves Yield, Ultimate, Ductile vs Brittle</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to identify the five key regions of a stress-strain curve: elastic, yielding, strain hardening, necking, and fracture. - The specific definitions of yield strength and ultimate tensile strength and how to locate them on the diagram. - The visual difference between ductile materials (like steel) and brittle materials (like cast iron) on a stress-strain curve. - Common FE exam questions, such as calculating the Modulus of Elasticity from the linear portion of the curve. - A mnemonic to easily remember the sequence of events on the curve: Every Young Student Understands Failure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/iAmiplSaxO5A/vdrWI-eqQy2_wTRZpZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/iAmiplSaxO5A/1787373400/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vdrWI-eqQy2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-27-signature-witnessing</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 27, Signature Witnessing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Signature witnessing in Arizona requires the signer to personally appear, be identified, and sign the document in the notarys presence. - This act is different from an acknowledgment because the document cannot be signed before appearing before the notary. - Signature witnessing is distinct from a jurat because it does not involve the signer taking an oath or affirmation about the documents contents. - The correct way to record this act in your notary journal is by documenting it as a signature witnessing. - The maximum fee an Arizona notary can charge for a signature witnessing is ten dollars per signature. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PEiGtFjy3S5y/ucqaI-fqkP2_nAlHqT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PEiGtFjy3S5y/1787373399/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ucqaI-fqkP2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-25-word-knowledge-pacing-5-seconds-per-question</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 25, Word Knowledge Pacing 5 Seconds Per Question</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The AFOQT Word Knowledge subtest allows only 12 seconds per question on average (25 questions in 5 minutes). - Adopt a 5-10-Guess pacing strategy: 5 seconds for known words, up to 10 for unknown words, then guess and move on. - Avoid the common trap of wasting precious time on a single, completely unfamiliar word forward momentum is key. - Use etymology (prefixes, roots, suffixes) as your primary tool for making educated guesses on challenging words. - Remember the mantra: Five to thrive, ten to contend, then its the end to enforce disciplined pacing. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UmaKpBzas46W/ucqqJFLblP2_NWLrDT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UmaKpBzas46W/1787373384/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ucqqJFLblP2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-50-pump-curves-system-curves-npsh-and-cavitation</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 50, Pump Curves, System Curves, NPSH and Cavitation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to find the systems operating point by intersecting the pump curve and system curve. - The critical difference between fluid power and brake horsepower, including the role of pump efficiency. - How the system curve is determined by static head and dynamic (friction) losses. - The definition of cavitation and why Net Positive Suction Head (NPSH) Available must always be greater than NPSH Required. - Common exam traps involving high altitudes or high fluid temperatures that can reduce NPSHA and cause cavitation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/oEe0Fpmq246y/ucrXcVeqQ42_mcpaRl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/oEe0Fpmq246y/1787373413/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ucrXcVeqQ42</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-06-license-renewal-and-continuing-education</loc>
    <video:video>
      <video:title>Real Estate Exam California 06, License Renewal and Continuing Education</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A California real estate license must be renewed every four years by completing 45 hours of continuing education. - Specific mandatory courses, such as ethics, agency, and fair housing, are required within the 45 hours of CE. - There is a two-year grace period after expiration to renew a license late, but you cannot legally practice during this time. - Conducting any licensed real estate activity with an expired license is a serious violation subject to disciplinary action. - An inactive license is a voluntary status for licensees who have completed renewal requirements but are not practicing. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/iAiesj8yw0ys/0cWWIpfGQP2_GwTdlt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/iAiesj8yw0ys/1787373384/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0cWWIpfGQP2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-39-pave-checklist-for-risk-management</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 39, PAVE Checklist for Risk Management</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The PAVE checklist (Pilot, Aircraft, enVironment, External Pressures) is a foundational risk management tool for every drone flight. - The Pilot assessment hinges on the IMSAFE checklist (Illness, Medication, Stress, Alcohol, Fatigue, Emotion) to determine fitness for flight. - Aircraft evaluation requires a thorough pre-flight inspection to confirm the drone is airworthy, including batteries, propellers, and firmware. - enVironment analysis includes checking weather, terrain, obstacles, and, critically, airspace classifications and restrictions like TFRs. - Recognizing and resisting External Pressures, such as client demands or get-there-itis, is a key decision-making skill tested on the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/oEiqop4rwWyt/ucWHc-fWR52_DArBvg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/oEiqop4rwWyt/1787373406/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ucWHc-fWR52</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-34-name-discrepancies-when-to-notarize-anyway</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 34, Name Discrepancies When to Notarize Anyway</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Arizona law defines a notarys duty to identify a signer through satisfactory evidence. - How to apply the reasonableness test to minor name variations like middle initials versus full middle names. - Why significant name differences, such as a maiden versus a married name, require refusal if the ID doesnt match. - How to handle tricky suffix situations, like Jr. or Sr., which are common exam traps. - A simple mnemonic to quickly decide whether a name discrepancy is acceptable or requires you to stop the notarization. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mom0xBCr3KsW/0sWXIULWQO2_VqSeFh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mom0xBCr3KsW/1787373385/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0sWXIULWQO2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-32-credible-witness-identification</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 32, Credible Witness Identification</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The two distinct methods for using credible witnesses in Arizona: the one-witness rule and the two-witness rule. - That every credible witness must be put under a sworn oath or affirmation to verify the signers identity. - The specific information about a credible witness that must be recorded in the notary journal per Arizona law. - Why a credible witness must be impartial and cannot have a beneficial interest in the document being notarized. - That using a credible witness is a last resort and not a method of convenience. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/moeChj5yw84r/0IradUeXRO2_JNqhRb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/moeChj5yw84r/1787373399/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0IradUeXRO2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-77-civil-liability-for-notary-misconduct</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 77, Civil Liability for Notary Misconduct</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That an Arizona notary is personally and financially liable for any damages caused by their official misconduct. - The function of the 5,000 surety bond: it protects the public first, not the notary. - The critical difference between the required surety bond and optional Errors &amp;amp; Omissions (E&amp;amp;O) insurance, which protects the notarys personal assets. - Common exam scenarios involving financial loss due to improper notarizations on documents like property deeds or vehicle titles. - Key exam traps, such as the misconception that a notarys liability is capped at the bond amount. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/pAbKFDyzA0i6/vIWbdVerkP2_lquxsh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/pAbKFDyzA0i6/1787373767/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vIWbdVerkP2</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-69-shear-strength-mohr-coulomb-and-triaxial</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 69, Shear Strength Mohr-Coulomb and Triaxial</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply the Mohr-Coulomb failure criterion for different soil types on the FE Civil exam. - The critical difference between drained (effective stress) and undrained (total stress) analysis for clays. - Why the friction angle is considered zero in an undrained analysis of saturated clay. - How to determine undrained shear strength (cu) from an unconfined compression test result (qu). - How triaxial test results (σ₁ and σ₃) are used to find the shear strength parameters c and φ. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/RAjCABPq-ObY/vcXadVfbl52_llOknR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/RAjCABPq-ObY/1787373768/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcXadVfbl52</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-68-isolation-room-phlebotomy-procedure</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 68, Isolation Room Phlebotomy Procedure</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The first critical action to take before entering any isolation room. - The correct sequence for both donning and doffing Personal Protective Equipment (PPE). - Why the phlebotomy cart must always remain outside the patients room. - A simple mnemonic to remember the correct order for removing PPE to prevent self-contamination. - The crucial exception for removing a respirator when dealing with airborne precautions, a common exam trap. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VojCdjyi74GB/1IrXdEeblO2_xRLcqA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VojCdjyi74GB/1787373732/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1IrXdEeblO2</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-15-types-of-liability</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 15, Types of Liability</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Absolute liability applies to inherently dangerous activities, and no proof of fault is required. - Strict liability is specifically for defective products that cause harm, regardless of the manufacturers negligence. - Vicarious liability holds one party responsible for anothers actions, such as an employer for an employee. - Professional liability (E&amp;amp;O) covers negligence related to professional services and advice, distinct from general liability. - A key exam trap is distinguishing between absolute liability (hazardous actions) and strict liability (defective stuff). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SkbCBDny7Gk6/1cXXIULrk42_CCqRuo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SkbCBDny7Gk6/1787373779/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1cXXIULrk42</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-12-the-oath-of-office</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 12, The Oath of Office</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Oath of Office is a mandatory requirement for all Arizona notary applicants under A.R.S. 38-231. - In Arizona, the oath is physically located on the notary bond form itself and is notarized. - The application, notarized bond with the oath, and filing fee are all submitted together to the Secretary of State. - Failure to have a signed and filed oath renders the notary commission completely void, not just suspended. - The oath is a personal pledge to faithfully perform duties, distinct from the financial surety bond. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UnfWxFSrFWl4/vYWaJ-fWl52_vULnSC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UnfWxFSrFWl4/1787373782/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vYWaJ-fWl52</video:player_loc>
      <video:duration>179</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-76-grounds-for-suspension-or-revocation-ars-41-330</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 76, Grounds for Suspension or Revocation A.R.S. 41-330</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Secretary of State can suspend or revoke a commission for actions like fraud, felony convictions, official misconduct, and charging excess fees. - Arizona law sets a maximum fee of 10 per notarial act accepting more, even as a tip, is grounds for disciplinary action. - A notary must never choose the type of notarial certificate for a signer, as this constitutes the unauthorized practice of law. - Notarizing a document without the signer being physically present is a serious act of official misconduct. - Disciplinary actions are not immediate a notary has the right to a hearing and can appeal a suspension or revocation decision to the Superior Court. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/REv0kBTaB0Q6/vIWrIoKrQP2_oqjLBQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/REv0kBTaB0Q6/1787373782/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vIWrIoKrQP2</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-60-skin-antiseptic-drying-time</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 60, Skin Antiseptic Drying Time</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why you must let 70% isopropyl alcohol air-dry for approximately 30 seconds without fanning or blowing. - How puncturing through wet alcohol can cause hemolysis, destroying red blood cells and compromising the specimen. - The critical exam trap of how wet alcohol can contaminate a sample and create a falsely elevated blood alcohol level. - The mandatory procedure of re-cleansing the venipuncture site if it is re-palpated after the initial cleaning. - The different required drying times for other common antiseptics, such as chlorhexidine and povidone-iodine. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TAjOcjiiB8jr/1sWXd_LbRP2_CZoJEX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TAjOcjiiB8jr/1787373746/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1sWXd_LbRP2</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-36-load-factor-and-performance-limits</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 36, Load Factor and Performance Limits</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Load factor is the G-force stress on a drones airframe during maneuvers. - A 60-degree banked turn imposes a 2 G load factor, effectively doubling the drones weight on its structure. - Aggressive maneuvers, especially in wind, can push a drone beyond its structural load limits. - Drone performance charts assume a standard atmosphere and must be adjusted for density altitude. - High density altitude (from high elevation, heat, or humidity) reduces drone performance and its ability to handle high load factors. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/RAragD5j64Pt/vIXacpLaRO2_SlgjnG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/RAragD5j64Pt/1787373749/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vIXacpLaRO2</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-36-creative-thinking-and-divergent-problem-solving</loc>
    <video:video>
      <video:title>CDA Exam Prep 36, Creative Thinking and Divergent Problem-Solving</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To distinguish between divergent thinking (generating many possible solutions) and convergent thinking (finding one correct answer), and understand why the CDA exam values educators who foster the former. - How the CDA exam tests this concept through scenario-based questions where you must choose the adult response that best supports a childs creative process, not correct their work. - To master the use of open-ended questions like Tell me about your creation? or What else could this be? to encourage imagination and problem-solving. - To identify common exam traps, such as answer choices that promote the right way to use a material or confuse necessary safety redirection with unnecessarily stifling a childs unconventional ideas. - Why you should prioritize providing open-ended materials (e.g., blocks, clay, art supplies, loose parts) over single-purpose toys to naturally encourage creative exploration and divergent problem-solving. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VAD8gnDjA4it/1IrbdFfbQ52_FAkrdS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VAD8gnDjA4it/1787373749/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1IrbdFfbQ52</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-34-geometry-quadrilaterals-and-3d-solids</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 34, Geometry Quadrilaterals and 3D Solids</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To distinguish between area and perimeter calculations, a common source of confusion in exam questions. - The critical importance of using perpendicular height, not slant height, for parallelogram and pyramid calculations. - How to avoid the diameter trap by always converting to radius before applying cylinder, cone, or sphere formulas. - The direct 1/3 volume relationship between a cone and a cylinder sharing the same base and height. - Strategies for calculating the surface area of composite solids by breaking them down into familiar shapes. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mEvmkDCqFOds/vcXHdFLaQ52_lRbpTq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mEvmkDCqFOds/1787373764/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcXHdFLaQ52</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-65-fair-credit-reporting-act-and-privacy</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 65, Fair Credit Reporting Act and Privacy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A standard consumer report contains facts, while an investigative report includes subjective interviews about character and reputation. - Insurers must issue an adverse action notice if they deny coverage or charge higher rates due to information in a consumer report. - An adverse action notice must identify the reporting agency and state the consumers right to get a free copy of the report. - The Gramm-Leach-Bliley Act (GLBA) requires insurers to provide customers with both an initial and an annual privacy notice. - Under GLBA, consumers have the right to opt out of having their nonpublic personal information shared with non-affiliated third parties. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/RsqGlniPxGjs/CcWrdEebkz2_efJQwW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/RsqGlniPxGjs/1787373858/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CcWrdEebkz2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-72-name-change-notification</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 72, Name Change Notification</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona notaries must notify the Secretary of State of a legal surname change within 30 days, as required by A.R.S. 41-327. - After a name change, a notary has two options: continue the old commission using a specific two-signature method, or resign and apply for a new commission. - If continuing an old commission, you must sign your new name first, then sign the name you were commissioned under directly below it. - Failure to notify the Secretary of State within the 30-day timeframe is evidence of failure to faithfully discharge notarial duties and can result in commission revocation. - If you opt for a new commission, you cannot notarize under the new name until you have received your new official seal. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/kge0pzP4ZWd6/8IWXdFLaky2_xdUjeG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/kge0pzP4ZWd6/1787373872/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8IWXdFLaky2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-62-approved-ron-technology-platforms</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 62, Approved RON Technology Platforms</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona notaries must use a RON platform officially approved by the Secretary of State and be physically in Arizona during the act. - Approved platforms must feature secure, synchronous audio-visual technology and create a tamper-evident electronic record. - Remote identity verification requires both credential analysis of the signers ID and a process of identity proofing like KBA. - Common video chat applications such as Zoom or FaceTime are strictly prohibited for official RONs in Arizona. - Notaries must retain the audio-visual recording of the RON session for at least five years. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VraqxFjGY0ds/CcXWd-erlj2_RLvcTV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VraqxFjGY0ds/1787373885/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CcXWd-erlj2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-58-table-reading-negative-number-axes</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 58, Table Reading Negative Number Axes</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The AFOQT Table Reading subtest uses a large, four-quadrant grid with both negative and positive X and Y axes. - A frequent, high-cost error is misreading a negative coordinate (e.g., Y=-5) as its positive counterpart (Y=5) under time pressure. - Test designers intentionally include incorrect answer choices that correspond to the wrong coordinate signs to trap candidates. - Scanning across the zero line on the axes is a common point of visual error, causing test-takers to lose their place. - Use the Signs, Find, Finalize technique to consciously verify the signs of both coordinates before locating the value to improve accuracy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Ucy4FziW3GiB/Ccrbc_faky2_dkirmz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Ucy4FziW3GiB/1787373871/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ccrbc_faky2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-19-reading-sectional-charts-symbols-and-colors</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 19, Reading Sectional Charts Symbols and Colors</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Solid blue lines represent Class B airspace, while solid magenta lines represent Class C airspace. - Dashed blue lines indicate Class D airspace starting at the surface dashed magenta lines show Class E airspace starting at the surface. - A fuzzy, shaded magenta vignette means Class E airspace begins at 700 feet AGL, with Class G airspace below it. - Blue airport icons signify an airport with a control tower, whereas magenta icons denote an airport without one. - The mnemonic Blue is for Busy helps recall that blue symbols relate to the busiest, most controlled airspaces and airports. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TrmChDj5Y0lA/CIqacEfGkj2_IrLJUA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TrmChDj5Y0lA/1787373885/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CIqacEfGkj2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-90-laboratory-information-system-lis-basics</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 90, Laboratory Information System (LIS) Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The correct procedure for verifying patient orders between the EMR, LIS, and paper requisitions to avoid pre-analytical errors. - The function of a unique accession number and the critical importance of immediate, bedside barcode labeling after specimen collection. - Your role in documenting specimen collection and receipt in the LIS to maintain a digital chain of custody. - The complete, step-by-step process for communicating and documenting a critical value, including the mandatory read-back procedure. - A memorable mnemonic, VALID (Verify, Assign, Label, Input, Deliver), to recall the essential LIS workflow for the phlebotomy exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/RbCCwjOXt4jz/8IWrdVeHQz2_ASKQKS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/RbCCwjOXt4jz/1787373874/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8IWrdVeHQz2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-17-dual-agency-and-consent</loc>
    <video:video>
      <video:title>Real Estate Exam California 17, Dual Agency and Consent</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That dual agency in California exists when one broker represents both the buyer and seller. - How dual agency applies even when two different agents from the same brokerage are involved. - Why written disclosure and informed consent from both parties are an absolute requirement. - That a dual agent is prohibited from sharing one partys confidential price or terms with the other. - How to remember your role as a neutral referee rather than a loyal coach in a dual agency. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ose0wzTOZ8lZ/8cXGcofWRi2_TscSMF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ose0wzTOZ8lZ/1787373857/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8cXGcofWRi2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-39-shear-and-moment-diagrams-sign-convention-trap</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 39, Shear and Moment Diagrams Sign Convention Trap</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The NCEES sign convention: Positive shear is down on the right face of a cut, and positive moment causes a beam to sag like a smile. - The graphical relationship where the slope of the shear diagram equals the negative of the distributed load intensity (dV/dx = -w). - The critical shear-moment relationship: The slope of the moment diagram equals the shear force value (dM/dx = V). - How to find maximum moment: The maximum bending moment always occurs at the point where the shear force diagram crosses zero. - The concentrated moment trap: A clockwise applied moment causes an immediate upward jump in the moment diagram, a common point of confusion. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UwaKgFn4t8I6/CcrWIULHQy2_zIEzND.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UwaKgFn4t8I6/1787373857/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CcrWIULHQy2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-38-the-five-hazardous-attitudes-and-antidotes</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 38, The Five Hazardous Attitudes and Antidotes</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To identify the five hazardous attitudes: Anti-Authority, Impulsivity, Invulnerability, Macho, and Resignation. - The specific antidote for each hazardous attitude and how to apply it during flight operations. - How scenario-based exam questions test your knowledge of Aeronautical Decision Making. - To differentiate between similar attitudes, like Macho and Invulnerability, to avoid common exam traps. - A helpful mnemonic, IM AIR, to easily recall the five hazardous attitudes. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mwCOlB9GYSjX/CcrbIELHRj2_ttaQmS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mwCOlB9GYSjX/1787373873/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CcrbIELHRj2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-38-the-notarial-certificate-statutorily-prescribed-wording</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 38, The Notarial Certificate Statutorily Prescribed Wording</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The six essential elements required on every Arizona notarial certificate per A.R.S. Title 41. - The critical, exam-tested wording difference between an acknowledgment and a jurat certificate. - The correct procedure for using and attaching a loose notarial certificate to a document. - How to identify common errors and omissions in certificate wording that appear on the state exam. - A memorable mnemonic to recall all mandatory certificate components during the test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UceOklm4xSdr/CdWqIFebki2_jbtqVi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UceOklm4xSdr/1787373858/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CdWqIFebki2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-48-commercial-industrial-and-income-properties</loc>
    <video:video>
      <video:title>Real Estate Exam California 48, Commercial, Industrial, and Income Properties</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A triple net (NNN) lease requires the tenant to pay for property taxes, insurance, and maintenance (TIM). - A percentage lease, common in retail, includes a base rent plus a percentage of the tenants gross sales. - The capitalization rate formula is Net Operating Income (NOI) divided by the propertys value mortgage payments are not included in NOI. - An estoppel certificate is a document signed by a tenant that confirms their current lease terms for a prospective buyer or lender. - Environmental due diligence, such as a Phase I Environmental Site Assessment, is crucial for identifying potential contamination and liability for commercial property buyers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VHbaslOX38tZ/CtXGdULGQj2_dfKoFx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VHbaslOX38tZ/1787374098/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CtXGdULGQj2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-78-biohazard-waste-disposal</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 78, Biohazard Waste Disposal</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific items that belong in a red biohazard bag versus a puncture-proof sharps container. - How to differentiate and properly handle bulk fluid waste compared to items with trace contamination. - The importance of the cradle-to-grave manifest system for tracking regulated medical waste. - Common exam traps, such as confusing the disposal methods for needles and blood-soaked gauze. - A simple mnemonic, Sharps Stay Safe, Red is for the Rest, to remember proper waste segregation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/U1jOcDi5Z4X5/8tXrcpKHRz2_fHGIDM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/U1jOcDi5Z4X5/1787374099/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8tXrcpKHRz2</video:player_loc>
      <video:duration>184</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-35-personal-appearance-requirement</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 35, Personal Appearance Requirement</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The signer must physically appear before the notary at the time of a traditional notarization under A.R.S. 41-254. - Using common video chat platforms like FaceTime or Zoom is not a legally acceptable substitute for physical presence in traditional notarizations. - Notarizing for an absent person, even a trusted friend or colleague whose signature you recognize, is a serious violation of Arizona law. - The legal penalty for failing to require personal appearance can be a felony, leading to commission revocation and other legal consequences. - The mnemonic No See, No Sign, No Seal is a memorable way to recall the core duty of requiring physical presence before notarizing. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/pIjukDP53GXq/9IWWJEebly2_iRBDhW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/pIjukDP53GXq/1787374098/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9IWWJEebly2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-33-red-flags-in-ids</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 33, Red Flags in IDs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To identify signs of physical ID tampering, such as altered photos, suspicious wear patterns, and missing or distorted holograms. - The strict Arizona-specific rule (A.R.S. 41-311) requiring all identification to be current and unexpired. - How to properly handle an unfamiliar out-of-state ID during a notarization scenario. - The importance of comparing the signature on the ID to the one provided by the signer in your journal. - To apply the P.I.E.S. mnemonic (Photo, Information, Expiration, Security) as a rapid check for ID validity on exam day. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/U1v4dly5sSsr/9IqrI-Kqki2_iIZytj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/U1v4dly5sSsr/1787374113/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9IqrI-Kqki2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-23-notams-and-tfrs</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 23, NOTAMs and TFRs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A NOTAM (Notice to Air Missions) is a time-critical advisory about hazards or changes in the National Airspace System. - A TFR (Temporary Flight Restriction) is a specific type of NOTAM that legally prohibits aircraft, including drones, from operating in a defined area for safety or security reasons. - Violating a TFR is a serious offense always check official FAA sources for active TFRs before every flight. - Stadium TFRs apply to specific major sporting events, restricting flight within a 3 nautical mile radius and up to 3,000 feet AGL, from one hour before to one hour after the event. - The Part 107 exam tests your ability to differentiate a NOTAMs informational role from a TFRs restrictive power and to apply the specific parameters of stadium TFRs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Ocean Marine insurance has four key coverages for sea transit: Hull, Cargo, Freight, and Protection &amp;amp; Indemnity (P&amp;amp;I). - Inland Marine insurance covers property that is mobile or in transit over land, not necessarily related to water. - A common exam trap is the name Inland Marine it primarily concerns mobile property and transportation risks, not boats on lakes. - Bailees policies are a type of Inland Marine coverage protecting businesses with temporary custody of customer property, like repair shops. - Commercial Floaters, like the Contractors Equipment Floater, are Inland Marine policies that cover property that moves between locations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - EDTAs mechanism of action is chelating calcium ions, which is an essential step in the blood clotting cascade. - The lavender-top tube is crucial for hematology tests like the CBC and ESR because EDTA preserves the natural size and shape of blood cells. - Immediately after drawing, the tube must be inverted 8-10 times to thoroughly mix the blood and anticoagulant, preventing microclots. - A common exam trap is underfilling the tube, which increases the EDTA-to-blood ratio and causes red blood cell shrinkage, leading to inaccurate results like a falsely low hematocrit. - K2 EDTA is generally preferred over K3 EDTA for hematology studies as it has a lesser impact on red blood cell volume. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the TBAS multitasking subtest evaluates your ability to manage several tasks in parallel, not in sequence. - Why the 2024 PCSM algorithm update makes your TBAS multitasking performance even more critical to your final score. - How to avoid the common trap of task fixation, where focusing perfectly on one task destroys your overall performance. - The critical advantage gained by practicing with a physical joystick and rudder pedals to build muscle memory before the exam. - To use the mnemonic Scan, Listen, Correct, Repeat to maintain a balanced and continuous cycle of attention during the test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Learn what the NTN FrontLine National police test actually covers. This comprehensive guide details the three official componentsHuman Relations, Report Writing, and Readingalong with scoring rules, retake restrictions, and pricing structure. Free practice materials &amp;amp; study plan: https://open-exam-prep.com/blog/ntn-frontline-police-test-study-guide-2026 Key Topics Covered: - FrontLine National test overview and timing (2h 15m) - Human Relations 10-second decision rules - Report Writing two-viewing note method and 10-minute report workflow - Reading cloze fill-in-the-blank strategies - Department scoring standards and 1-year score validity - 3-month retake waiting period and score deletion rules - Department selection fees (15 per added post-test agency) Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:40 - Scene 2 1:15 - Scene 3 1:42 - Scene 4 2:12 - Scene 5 2:42 - Scene 6 3:11 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - NTN FrontLine National Police Exam Unofficial Test Prep - Practice Questions - Study Guide - 276 Questions: https://www.amazon.com/dp/B0GVRCK57M?tag=openexamprep-20</video:description>
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      <video:duration>215</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-47-cgl-limits-and-aggregates</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 47, CGL Limits and Aggregates</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The General Aggregate is the master limit for most CGL claims within a policy period. - Products-Completed Operations has its own separate aggregate limit for off-premises claims arising from your work or products. - The Each Occurrence limit is the maximum paid for a single event, but it is still subject to the overall aggregate caps. - Sub-limits like Medical Payments and Damage to Premises Rented to You have their own specific caps and reduce the General Aggregate. - Exam questions often test your ability to track how claim payments reduce the aggregate limits over the policy term. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>186</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-75-death-of-notary-personal-representative-duties</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 75, Death of Notary Personal Representative Duties</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The personal representative of a deceased Arizona notary must deliver the seal and journal to the Secretary of State. - This action must be completed within three months of the personal representatives appointment to avoid penalties. - Unlike some other states, Arizona law requires the physical seal to be surrendered, not destroyed by the representative. - A common exam trap is confusing the recipient items go to the Secretary of State, not the County Recorder. - A helpful mnemonic is SOS gets the Seal and Journal in Three to remember the recipient, items, and timeline. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>186</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-64-sharps-disposal-and-safety-devices</loc>
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      <video:title>Phlebotomy Exam Prep 64, Sharps Disposal and Safety Devices</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Always dispose of sharps in a designated, puncture-resistant container at the immediate point of use. - The Needlestick Safety and Prevention Act mandates the use of engineered safety devices on all needles. - Never recap a contaminated needle instead, activate its safety feature immediately after the draw is complete. - Sharps containers must be sealed and replaced when they are no more than three-quarters full to prevent overfilling and injury. - Remember the SAD mnemonic for post-venipuncture safety: engage the Safety device, Activate it immediately, and Discard the entire unit properly. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>186</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-28-decoding-metars</loc>
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      <video:title>FAA Part 107 Drone Exam Prep 28, Decoding METARs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That wind direction in a METAR is always reported in True North, a common exam trap. - Cloud base heights are given in feet Above Ground Level (AGL), not Mean Sea Level (MSL). - A ceiling is defined only as the first cloud layer reported as Broken (BKN) or Overcast (OVC). - The spread between temperature and dew point indicates moisture levels, with a small spread suggesting high humidity and potential for fog. - A SPECI report is a special, unscheduled update issued due to significant weather changes between routine METARs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>185</video:duration>
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  <url>
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      <video:title>Arizona Notary Exam Prep 26, Copy Certifications What AZ Notaries Can and Cannot Certify</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona notaries are prohibited from certifying copies of vital records like birth, death, or marriage certificates. - It is illegal for an Arizona notary to certify a copy of any publicly recordable document, such as a property deed or a court order. - Permissible documents for copy certification include non-recordable items like contracts, diplomas, and personal letters. - The notary must personally make or supervise the creation of the copy and compare it to the original document. - The maximum fee an Arizona notary can charge for a copy certification is 10 per page certified. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/RTnehnPGsGIY/DIqWIpKak52_Xwymty.jpg</video:thumbnail_loc>
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      <video:duration>184</video:duration>
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  <url>
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      <video:title>FCICE Exam Guide 2026: Spanish Court Interpreter Written &amp;amp; Oral Requirements</video:title>
      <video:description>Master the Federal Court Interpreter Certification Examination (FCICE) rules and structure with our complete 2026 guide. Key topics covered: - Written phase: 160 items, 2h 30m, 75% conjunctive pass mark in both languages - Oral phase: 5 parts, 45 minutes, 80% passing score - Oral section weighting: Consecutive (35%), Simultaneous Monologue (30%), Sight Translation (20%), Witness Q&amp;amp;A (15%) - Fees, retake rules, and certification conferred by AO certificate - 2026 oral exam window (August 3-17) and 2027 administration schedule Start your prep with free practice questions at https://open-exam-prep.com/practice/fcice Full blog guide: https://open-exam-prep.com/blog/fcice-federal-court-interpreter-certification-examination-exam-guide-2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:42 - Scene 2 1:16 - Scene 3 1:53 - Scene 4 2:30 - Scene 5 3:02 - Scene 6 3:38 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - Certified Court Interpreter Study Guide 2026: Comprehensive Mastery Workbook with Practice Scenarios, Legal Terminology Drills, Ethics Training, and ... State and Federal Interpreter Certification: https://www.amazon.com/dp/B0G6CWBYHF?tag=openexamprep-20 - Court Interpreter Mastery: Comprehensive Guide to Exam Preparation, Legal Terminology, and Effective Interpretation Skills: https://www.amazon.com/dp/B0GR7DD7WK?tag=openexamprep-20</video:description>
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      <video:duration>241</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-14-water-rights-and-special-land-categories</loc>
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      <video:title>Real Estate Exam California 14, Water Rights and Special Land Categories</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key differences between riparian, littoral, and prior appropriation water rights in California. - How the Williamson Act provides tax benefits to owners of agricultural land. - The role of the California Coastal Commission in regulating coastal development. - What the Davis-Stirling Act requires for disclosures in Common Interest Developments. - How Californias correlative rights doctrine applies to both surface and groundwater. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DtWWd_fqk42</video:player_loc>
      <video:duration>185</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-47-cannot-notarize-when-signer-is-not-present-class-6-felony</loc>
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      <video:title>Arizona Notary Exam Prep 47, Cannot Notarize When Signer Is Not Present Class 6 Felony</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Notarizing without the signers physical presence is a major violation of Arizona notary law, potentially leading to a felony conviction. - Under A.R.S. 41-254, personal appearance is mandatory for traditional notarial acts involving a signature. - Common exam traps include requests from trusted clients, family members, or colleagues to notarize a pre-signed document. - The correct action is always to refuse notarization if the signer is not physically present, regardless of the excuse provided. - Remote Online Notarization (RON) has separate rules allowing for appearance via audio-visual technology and does not apply to traditional notarizations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DZWrcEeakO2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-10-conditions-duties-and-proof-of-loss</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 10, Conditions, Duties, and Proof of Loss</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between giving a prompt Notice of Claim and submitting a formal Proof of Loss. - Why the insureds duty to protect property from further damage is a heavily tested concept. - How the timeline for submitting a Proof of Loss is triggered by the insurers request, not the date of loss. - That cooperation with the insurer is a mandatory policy condition which can determine if a claim is paid. - A simple mnemonic to remember the five key duties of an insured after a loss: Prompt Notice, Protect Property, Cooperate, Inventory, and Proof of Loss. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DJWrIELak52</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-08-classes-of-property-and-fixtures</loc>
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      <video:title>Real Estate Exam California 08, Classes of Property and Fixtures</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to distinguish real property from personal property using the concept of fixtures. - The five legal tests for a fixture, easily recalled with the mnemonic MARIA (Method, Adaptability, Relationship, Intention, Agreement). - Why a written agreement in a purchase contract is the most important factor in determining if an item is a fixture. - The critical difference between a standard fixture and a trade fixture, which remains the tenants personal property in a commercial lease. - That emblements (annually cultivated crops) are considered personal property belonging to whoever planted them, regardless of a property sale. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>185</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-45-specimen-rejection-criteria</loc>
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      <video:title>Phlebotomy Exam Prep 45, Specimen Rejection Criteria</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why a mislabeled specimen is a critical error that always requires recollection without exception. - The importance of the nine-to-one blood-to-additive ratio in light blue top tubes and how underfilling falsely prolongs coagulation results. - How hemolysis, the rupture of red blood cells, can falsely elevate analytes such as potassium, leading to inaccurate test results. - The reason clotted EDTA (lavender top) tubes are rejected for hematology tests like the CBC and the importance of proper mixing to prevent it. - The standard lab procedure following a specimen rejection, which involves notifying the provider and recollecting the sample to ensure patient safety and accurate diagnosis. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/T9CCAp4GFSjr/9tXacULalP2_biDgYZ.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9tXacULalP2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-70-premium-audits-and-deposit-premiums</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 70, Premium Audits and Deposit Premiums</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A deposit premium is an estimated, upfront payment for auditable policies like Workers Compensation and General Liability. - Auditable policy premiums are based on variable exposures, such as payroll for Workers Comp or gross sales for General Liability. - A final audit occurs after the policy period to compare the initial estimates with the actual exposures. - If actual exposure is higher than estimated, an additional premium is due if lower, a return premium is issued. - A key exam trap involves employee misclassification found during an audit, which can drastically change the final premium even if total payroll was estimated correctly. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CbzCohKz2S5s/vkqHcEerli2_TnZpVp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CbzCohKz2S5s/1787375126/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vkqHcEerli2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-93-inpatient-phlebotomy-workflow</loc>
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      <video:title>Phlebotomy Exam Prep 93, Inpatient Phlebotomy Workflow</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical rationale behind early morning rounds for collecting fasting lab specimens. - How to correctly prioritize patient draws, distinguishing between STAT, routine, and isolation patients. - Essential infection control procedures, including hand hygiene and equipment sanitation between rooms. - The importance of clear and timely communication with nursing staff regarding patient status and timed draws. - A simple mnemonic, S-I-S-C, to recall the key steps of the inpatient phlebotomy workflow for your exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AvC8Er0aEGW4/1BrbJ-Laly2_tzJRgV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/AvC8Er0aEGW4/1787375391/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1BrbJ-Laly2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-77-iata-biological-specimen-shipping</loc>
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      <video:title>Phlebotomy Exam Prep 77, IATA Biological Specimen Shipping</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To differentiate high-risk Category A (UN2814) from routine diagnostic Category B (UN3373) specimens. - The specific functions of the primary leakproof, secondary absorbent, and outer rigid layers of the triple packaging system. - Key labeling requirements, including the proper shipping name, UN number, and shipper/receiver contact information. - The critical safety rule for shipping with dry ice (UN1845): the package must be vented and display a Class 9 hazard label. - How to identify common exam traps related to specimen classification and packaging errors. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AteiwxWbBG66/vBqqIpLXly2_ASAWDt.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vBqqIpLXly2</video:player_loc>
      <video:duration>187</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-66-permeability-and-darcys-law</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 66, Permeability and Darcys Law</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply Darcys Law (q=kiA) to calculate the volumetric flow rate of water through a soil sample. - The correct way to determine the hydraulic gradient (i = Δh/L) and avoid common exam traps related to head loss and flow path length. - How to use a flow net to calculate the total seepage under a structure using the formula Q = kH(Nf/Nd). - To identify critical exam traps such as unit conversions for the coefficient of permeability (k) and correctly counting flow channels (Nf) and equipotential drops (Nd). - The importance of using the cross-sectional area (A) that is perpendicular to the direction of flow in Darcys Law. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/4duWsbLzE8qW/vlXGcEfHkz2_ZLPMUZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/4duWsbLzE8qW/1787375457/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vlXGcEfHkz2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-63-combining-bank-pitch-heading-12-second-process</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 63, Combining Bank + Pitch + Heading 12-Second Process</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Master the 12-second, three-step elimination process: Heading, then Bank, then Pitch. - Use Heading first to immediately eliminate silhouettes not pointing in the correct cardinal direction. - Determine Bank second by checking which wing is low to choose between the remaining options. - Use Pitch as a final, quick confirmation step to verify if the aircraft is climbing, level, or diving. - Apply the mnemonic Head, Bank, Pin to automate the sequence and avoid over-analyzing under pressure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6hmqwfri-Wrs/1lrqIELGlz2_LoNWLq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/6hmqwfri-Wrs/1787375439/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1lrqIELGlz2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-26-notes-trust-deeds-and-mortgages</loc>
    <video:video>
      <video:title>Real Estate Exam California 26, Notes, Trust Deeds, and Mortgages</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why California overwhelmingly uses deeds of trust instead of mortgages and the three parties involved: trustor, beneficiary, and trustee. - The distinct functions of a promissory note as the evidence of debt and a deed of trust as the security instrument. - How the power of sale clause enables non-judicial foreclosure, a key advantage for lenders in California. - The critical difference between an acceleration clause (triggered by default) and an alienation clause (triggered by sale or transfer). - The role of a reconveyance deed in clearing the title after a loan is paid off and the risks of deficiency judgments.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/EYiGofbbBO4X/1RrHdpLGki2_Jqfdmz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/EYiGofbbBO4X/1787375480/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1RrHdpLGki2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-66-bloodborne-pathogens-hbv-hcv-hiv</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 66, Bloodborne Pathogens HBV, HCV, HIV</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - HBV has the highest needlestick transmission risk (6-30%) for unvaccinated individuals, far exceeding HCV (1.8%) and HIV (0.3%). - The immediate and most critical actions after a needlestick injury are to wash the area with soap and water, then immediately report the incident. - Post-exposure prophylaxis (PEP) for HIV is extremely time-sensitive and must be initiated as soon as possible, ideally within hours but no later than 72 hours. - The HBV vaccine is a three-dose series, and a post-vaccination titer check is a critical step to confirm immunity, a common point on exams. - A key exam trap is confusing management protocols you must remember there is no vaccine available for Hepatitis C (HCV). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6MuuEhaa6GB6/0AXbcULak52_xCfeUD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/6MuuEhaa6GB6/1787375462/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0AXbcULak52</video:player_loc>
      <video:duration>187</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-46-cannot-notarize-for-family-with-direct-beneficial-interest</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 46, Cannot Notarize for Family with Direct Beneficial Interest</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary is disqualified if they or their spouse has a direct beneficial interest in the transaction. - A notary can never notarize their own signature such an act is voidable. - Notarizing for a spouse on a document that benefits the notary or the marital community is a prohibited act. - The law does not automatically prohibit notarizing for other family members, like a sibling or cousin, if the notary has no beneficial interest. - The key disqualifying factor tested on the exam is the notarys financial or material gain, not the family relationship itself. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AYqSBbeiF4ss/u6qqI-fHl42_RWByJg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/AYqSBbeiF4ss/1787375475/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u6qqI-fHl42</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-40-light-sensitive-specimens</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 40, Light-Sensitive Specimens</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That light exposure causes photodegradation, which leads to falsely low test results for sensitive analytes. - The most common light-sensitive specimens you must know for the exam are bilirubin, vitamin A, vitamin B12, beta-carotene, and porphyrins. - The correct procedure for protecting a light-sensitive specimen is to use an amber-colored tube or to wrap the collection tube in aluminum foil immediately. - How exam questions may test this knowledge through direct identification or by presenting clinical scenarios involving erroneous results. - A common exam trap is confusing light protection with temperature requirements (chilled or warmed specimens) or forgetting that light exposure falsely lowers, not raises, the result. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-2uydhWjF06X/0QWaIVLGl42_npVCIw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-2uydhWjF06X/1787375463/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0QWaIVLGl42</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-34-arterial-blood-gas-abg-collection</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 34, Arterial Blood Gas (ABG) Collection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The correct procedure and interpretation of the Allen test as a critical safety step before radial artery puncture. - Why a heparinized syringe is essential and the correct 45-degree angle for needle insertion during a radial ABG draw. - The critical post-collection steps, including expelling air bubbles, capping the sample, and gently mixing to prevent clotting. - The specific requirements for transporting an ABG sample in an ice slurry and the importance of analysis within 30 minutes. - Common exam traps such as misinterpreting Allen test results, incorrect sample handling, and the impact of air contamination on results. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AYCSAvHrA84Z/ukqXdFLWl42_saQBTP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/AYCSAvHrA84Z/1787375488/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ukqXdFLWl42</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-12-sodium-citrate-light-blue-tube-coag-testing</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 12, Sodium Citrate (Light Blue) Tube Coag Testing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The light blue (sodium citrate) tube requires a precise 9:1 blood-to-anticoagulant ratio for accurate coagulation testing. - Underfilling a light blue tube creates an excess of anticoagulant, which leads to falsely prolonged clotting times and an artificially elevated INR. - Key coagulation tests performed using the light blue tube include PT/INR, PTT/aPTT, fibrinogen, and D-dimer. - A discard tube is mandatory when using a butterfly (winged infusion) set if the light blue tube is the first or only tube drawn, in order to purge air from the tubing and ensure a full draw. - The mnemonic Blues Clues: Nine to one or the test is done is a helpful way to remember the critical fill ratio. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FYumlvbr7GqX/uQrac-fHk52_zDZJtT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FYumlvbr7GqX/1787375479/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uQrac-fHk52</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-37-causes-of-loss-forms</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 37, Causes of Loss Forms</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between named perils (Basic, Broad) and open perils (Special) coverage. - The specific list of perils covered under the Basic Causes of Loss Form. - The additional perils, like weight of snow and ice, that are covered by the Broad Form. - Why the Special Form is not truly all-risk by identifying its key exclusions like flood and earthquake. - How the burden of proof shifts from the policyholder to the insurer with a Special Form policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_pj0wx0qxWlr/uBqrcFKHlO2_nYgjCC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/_pj0wx0qxWlr/1787375556/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uBqrcFKHlO2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-68-block-counting-hidden-block-inference</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 68, Block Counting Hidden-Block Inference</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A key principle of the AFOQT Block Counting test is that no block can float it must be supported by a block directly beneath it. - Exam questions are designed to test your ability to infer the existence of hidden blocks that provide structural support. - Common exam traps involve complex piles where a target blocks supporting blocks are intentionally obscured from view. - To solve these problems, you must mentally account for all six faces of the target block, considering what could be touching it from all sides, above, and below. - Use the mental shortcut, If its in the air, a block must be there, to avoid the common mistake of only counting visible blocks. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6BbesvXztOQt/ulrqJFeWlP2_yLTZVS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/6BbesvXztOQt/1787375556/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ulrqJFeWlP2</video:player_loc>
      <video:duration>187</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-2-law-of-large-numbers-and-insurable-risk</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 2, Law of Large Numbers and Insurable Risk</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the Law of Large Numbers allows insurers to accurately predict future losses. - The six essential elements of an insurable risk, remembered by the mnemonic CANHAM. - Why catastrophic events, such as wars or nuclear incidents, are typically excluded from insurance policies. - The critical difference between pure risk, which is insurable, and speculative risk, which is not. - How insurers use the underwriting process to combat the effects of adverse selection. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-FzuthWix0kW/07raIUKWlP2_jEVdPn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-FzuthWix0kW/1787375562/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=07raIUKWlP2</video:player_loc>
      <video:duration>187</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-37-therapeutic-drug-monitoring-peak-vs-trough</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 37, Therapeutic Drug Monitoring Peak vs Trough</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between trough (lowest drug concentration) and peak (highest drug concentration) levels. - Why precise timing is the most tested concept for therapeutic drug monitoring on the Phlebotomy exam. - How to correctly time a trough draw, which is always immediately before the next scheduled dose. - How to correctly time a peak draw for IV medications like vancomycin, which is 1-2 hours after the infusion is complete. - A simple mnemonic to remember the difference: Trough is low, just before the go. Peak is high, after its all inside. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FBfqob1i2OHY/ulrrcpKXk42_DXUkUl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FBfqob1i2OHY/1787375562/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ulrrcpKXk42</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-21-capillary-order-of-draw</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 21, Capillary Order of Draw</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical differences between the capillary and venipuncture orders of draw. - Why EDTA (lavender/pink top) tubes are collected first after blood gases in a capillary draw to prevent platelet clumping. - How an incorrect capillary draw order can lead to falsely low platelet counts and inaccurate CBC results. - That serum (red/gold top) tubes are always collected last in a capillary puncture because they are designed for clotted blood. - A mnemonic to remember the correct order: Good Exams Always Score (Gases, EDTA, Additives, Serum). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/76fiptqas8aZ/0RWWdoeqRO2_sBTBLm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/76fiptqas8aZ/1787375703/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0RWWdoeqRO2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-87-communicating-with-limited-english-proficiency</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 87, Communicating With Limited English Proficiency</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To prioritize patient safety and consent by always using a qualified medical interpreter for patients with limited English proficiency. - Why using family members as interpreters is a common exam trap and is inappropriate due to risks of misinterpretation, bias, and privacy violations. - That facility-approved telephone or video interpreter services are the standard and correct tool for effective communication. - The role of non-verbal communication is for rapport, not for conveying complex medical instructions or obtaining consent. - The critical importance of documenting the patients preferred language and the interpreters name or ID number in the medical record. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/C5vStxejs8Q6/vQXrdVeGl42_jVKNIK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/C5vStxejs8Q6/1787375718/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vQXrdVeGl42</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-86-communication-with-anxious-patients</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 86, Communication With Anxious Patients</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to properly acknowledge and validate a patients fear instead of dismissing it. - The best way to explain the phlebotomy procedure using simple, clear language to reduce anxiety. - How to actively use distraction and breathing techniques as coping mechanisms for nervous patients. - Why you must avoid the common exam trap of saying this will not hurt and what to say instead. - How to apply principles of trauma-informed care by giving patients a sense of control and building trust. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/A6vyBdbrsOQy/16XrJ-LGlO2_EvIVCW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/A6vyBdbrsOQy/1787375703/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=16XrJ-LGlO2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-35-listing-agreements</loc>
    <video:video>
      <video:title>Real Estate Exam California 35, Listing Agreements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Exclusive Right to Sell listing guarantees the broker a commission if the property sells during the term, regardless of who finds the buyer. - All California exclusive listings must have a definite and final termination date automatic renewal clauses are prohibited. - Net listings, while legal in California, are discouraged due to potential conflicts of interest and require full disclosure. - The safety clause protects a brokers commission for a specified period after expiration for buyers they introduced to the property, provided a written list is given to the seller. - A listing agreement is a bilateral employment contract between the seller and the broker, not the salesperson. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/A6fKBx0y3SG4/1kWWc_faRP2_PoTuSZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/A6fKBx0y3SG4/1787375703/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1kWWc_faRP2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-36-commercial-property-policy-basics</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 36, Commercial Property Policy Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the Declarations page is the ultimate authority on who, what, where, and how much is covered in a Commercial Property Policy. - The key distinction between Building coverage (for the structure and permanently installed fixtures) and Business Personal Property coverage (for movable contents). - That Personal Property of Others covers customer goods in your care, custody, or control, not your employees personal belongings. - How the three Causes of Loss forms (Basic, Broad, and Special) determine which perils are insured against. - A mnemonic, W.C. SHAVVER F.T., to remember the additional perils covered by the Broad Form compared to the Basic Form. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/4QbCsbLitSOs/vQWbIpKrQO2_UIcGCo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/4QbCsbLitSOs/1787375703/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vQWbIpKrQO2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-70-aviation-information-parts-of-an-airplane</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 70, Aviation Information Parts of an Airplane</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The function of the fuselage and the empennage (tail assembly). - How the rudder controls yaw and the elevator controls pitch. - The critical difference between ailerons (for roll) and flaps (for lift/drag). - The purpose of leading-edge slats and top-mounted spoilers. - A mnemonic to connect primary flight controls to their axes of rotation: Longitudinal-Roll, Lateral-Pitch, Vertical-Yaw. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/A5n0cr0j34iB/1QXGdEfrR52_fbUyHX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/A5n0cr0j34iB/1787375718/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1QXGdEfrR52</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-64-fraud-misrepresentation-concealment-and-warranties</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 64, Fraud, Misrepresentation, Concealment, and Warranties</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A representation is a statement believed to be true, whereas a warranty is a statement guaranteed to be true. - A misrepresentation is a false statement, but it only affects the policy if it is materialmeaning the insurer would have made a different decision if they knew the truth. - Concealment is the intentional failure to disclose a known material fact to the insurer. - Fraud is an intentional misrepresentation or concealment made with the intent to deceive for financial gain. - Exam questions often test the concept of materiality and the applicants intent to differentiate between these key terms. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CVfCkfWzFOXt/8krrIVLHli2_iPkWvX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CVfCkfWzFOXt/1787376059/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8krrIVLHli2</video:player_loc>
      <video:duration>189</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-83-pilot-track-subtest-optimization</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 83, Pilot-Track Subtest Optimization</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The AFOQT Pilot Composite score is calculated from only seven specific subtests: Verbal Analogies, Arithmetic Reasoning, Math Knowledge, Instrument Comprehension, Table Reading, Aviation Information, and Block Counting. - Prioritize studying Aviation Information and Instrument Comprehension as they are high-yield sections where focused effort can lead to significant score improvements. - Block Counting and Table Reading are subtests that primarily test speed and accuracy, and improvement is best achieved through consistent, timed practice. - Common exam traps include misinterpreting instrument readings, failing to account for hidden blocks in 3D stacks, and getting bogged down on a single complex table reading question. - Use the mnemonic Very Able Minds Investigate Tables, Airplanes, and Blocks to recall the seven critical subtests for the Pilot Composite score. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/4ea8tvHX24ar/C6qWc_erRy2_sPxgQn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/4ea8tvHX24ar/1787376079/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=C6qWc_erRy2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-40-advanced-fees-and-prepaid-rental-listing-services</loc>
    <video:video>
      <video:title>Real Estate Exam California 40, Advanced Fees and Prepaid Rental Listing Services</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An advance fee agreement must be approved by the California DRE before a broker can collect any funds. - All advance fees must be deposited into a brokers trust account and remain the property of the principal until earned. - A Prepaid Rental Listing Service (PRLS) license is required to sell rental lists to tenants for an upfront fee and is valid for two years. - Real estate brokers can conduct PRLS activities without a separate license but must use a DRE-approved contract. - The core reason for strict regulation of advance fees is to protect consumers from potential fraud. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BaqqhdfGY4PX/CAqWdUKqRi2_EcQlBB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BaqqhdfGY4PX/1787376078/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CAqWdUKqRi2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-26-national-flood-insurance-program-basics</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 26, National Flood Insurance Program Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why standard homeowners policies exclude flood damage and the purpose of the National Flood Insurance Program (NFIP). - The critical distinction between building coverage for the structure and contents coverage for personal belongings. - The standard 30-day waiting period for an NFIP policy to become effective and its common exceptions. - The concept of Special Flood Hazard Areas (SFHAs) and the mandatory insurance purchase requirement. - Common exam traps, such as the limited coverage for personal property in basements. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/8RvWoh0bEWX5/CAWHIFLbQz2_xtjblE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/8RvWoh0bEWX5/1787376053/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CAWHIFLbQz2</video:player_loc>
      <video:duration>189</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-22-word-knowledge-tier-1-vocabulary-200-high-frequency-words</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 22, Word Knowledge Tier-1 Vocabulary 200 High-Frequency Words</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The AFOQT Word Knowledge section provides no context, requiring pure synonym matching. - You have only 5 minutes for 25 questions, demanding instant word recognition. - High-frequency words often relate to leadership (mettle, fortitude), discipline (austere, stringent), and military bearing. - Common exam traps include antonyms or words that sound similar but have different meanings. - The most effective preparation strategy is drilling the top 200 most-tested words using flashcards. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AVzaBxWq_S5q/CArGIpLbQz2_ZZLWko.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/AVzaBxWq_S5q/1787376059/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CArGIpLbQz2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-76-fda-device-regulation-in-lab</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 76, FDA Device Regulation in Lab</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Differentiate between FDA Class I (low-risk), II (moderate-risk), and III (high-risk) medical devices using phlebotomy-specific examples. - Understand that most common phlebotomy supplies, like collection tubes and analyzers, are categorized as Class II devices. - Grasp the purpose of the 510(k) clearance process, which ensures a new device is substantially equivalent to an existing one. - Master the critical steps for handling a device recall: identifying, quarantining, and documenting affected lot numbers. - Recognize why checking expiration dates on supplies like vacuum tubes is a crucial, non-negotiable step for patient safety and sample integrity. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/yqmmhxqXxGd5/8Bqac_Krlj2_hoXWkc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/yqmmhxqXxGd5/1787376070/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Bqac_Krlj2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-47-chain-of-custody-forensic-specimens</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 47, Chain of Custody Forensic Specimens</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical requirements for patient identification in forensic specimen collection. - How to properly use tamper-evident seals and packaging to maintain specimen integrity. - The function and correct completion of a chain of custody form, including tracking every handler. - Common exam traps, such as using an alcohol wipe for a blood alcohol test. - How to apply the I-D-S-S mental shortcut (Identify, Document, Seal, Signatures) to chain of custody procedures. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/5_DOFtri_OWW/8lqrcFKaly2_qFnPxJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/5_DOFtri_OWW/1787376069/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8lqrcFKaly2</video:player_loc>
      <video:duration>189</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-3-risk-management-methods</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 3, Risk Management Methods</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The five primary methods of handling risk are Sharing, Transfer, Avoidance, Reduction, and Retention (STARR). - Purchasing an insurance policy is the most common and direct example of risk transfer. - A deductible in an insurance policy represents risk retention, where the policyholder accepts a portion of the loss. - Installing safety measures like sprinkler systems or burglar alarms is a form of risk reduction, not elimination. - Deciding not to participate in a risky activity at all, such as not owning a swimming pool to avoid liability, is risk avoidance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/B7nqktGrES4r/CRrGcofalj2_vYHHrd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/B7nqktGrES4r/1787376052/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CRrGcofalj2</video:player_loc>
      <video:duration>189</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-38-beam-bending-flexure-formula-and-section-modulus</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 38, Beam Bending Flexure Formula and Section Modulus</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The flexure formula, σ = Mc/I, is used to find the maximum bending stress at the outermost fiber of a beams cross-section. - Section modulus (S = I/c) simplifies the stress calculation to σ = M/S and represents a beams geometric efficiency in resisting bending. - A critical exam trap is failing to convert the bending moment (M) from kip-feet to kip-inches before calculating stress in kips per square inch (ksi). - For beam design problems, calculate the required section modulus (Sreq = M/σallow) and then select the lightest W-shape from the NCEES Handbook tables that meets or exceeds this value. - The distance c in the flexure formula is always the distance from the neutral axis to the extreme fiber, which is half the total depth for symmetric cross-sections. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/47naFdLj_OtY/CRXacpLrki2_oVMeGb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/47naFdLj_OtY/1787376068/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CRXacpLrki2</video:player_loc>
      <video:duration>189</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-17-butterfly-winged-collection-set</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 17, Butterfly (Winged) Collection Set</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A butterfly (winged) set is the preferred device for patients with small, fragile, or difficult-to-access veins, such as in pediatric and geriatric draws. - A discard tube is mandatory before collecting a light blue top (coagulation) tube to purge the air from the sets tubing. - Failure to use a discard tube will cause the coagulation tube to underfill, altering the 9:1 blood-to-additive ratio and invalidating test results. - The risk of hemolysis increases if a syringe plunger is pulled back too forcefully, due to the pressure exerted on red blood cells passing through the small-gauge needle. - The typical needle gauge for a butterfly set is 23G, which results in a slower blood flow compared to a standard straight needle. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ERjeotfyEO5W/8Rrbc-ebky2_IBjRQL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ERjeotfyEO5W/1787376069/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Rrbc-ebky2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-95-specimen-logistics-pneumatic-tube-and-courier</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 95, Specimen Logistics Pneumatic Tube and Courier</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Pneumatic tube systems are generally unacceptable for platelet function tests and un-iced arterial blood gases due to specimen agitation. - Agitation during transport can cause hemolysis, leading to falsely elevated results for analytes like potassium, LDH, and AST. - Courier transport for off-site labs requires strict adherence to temperature controls, including ambient, refrigerated (cold packs), and frozen (dry ice) conditions. - Unique temperature requirements are critical, such as keeping cold agglutinin specimens at body temperature (37C) and ammonia levels on an ice slurry. - Proper courier packaging involves placing specimens in biohazard bags inside a rigid, insulated container, ensuring they remain upright to prevent breakage and agitation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zwrGFtqWY4Ys/8BradFfHQi2_SBbmns.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zwrGFtqWY4Ys/1787376216/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8BradFfHQi2</video:player_loc>
      <video:duration>191</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-82-pcsm-target-scores-607080-tiers</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 82, PCSM Target Scores 60/70/80 Tiers</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The PCSM score, not just the AFOQT Pilot score, is what selection boards review. - A PCSM score of 60 is the minimum to apply, 70 is considered competitive, and 80+ is a high-tier, very competitive score. - The PCSM is a composite score calculated from your AFOQT Pilot score, your TBAS performance, and your logged flight hours. - A common pitfall is focusing only on the AFOQT while neglecting the significant impact of the TBAS and flight hours on your overall score. - Acquiring a Private Pilot License, typically around 40-60 flight hours, often serves as an inflection point that maximizes the flight hour component of the PCSM score. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zvbOxdrHxW7z/8BXqdFLWRy2_DlLREo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zvbOxdrHxW7z/1787376216/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8BXqdFLWRy2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-72-patient-rights-and-bill-of-rights</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 72, Patient Rights and Bill of Rights</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between implied and informed consent in phlebotomy scenarios. - The correct, exam-tested protocol for handling a patients refusal of a blood draw. - Key privacy and confidentiality requirements under HIPAA that are commonly tested. - How to properly provide accommodations for patients with disabilities or language barriers. - Professional strategies for addressing patient complaints and ensuring courteous care. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6rzachXHZ0At/C7rHd-fGQz2_qKZLhD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/6rzachXHZ0At/1787376215/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=C7rHd-fGQz2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-60-instrument-comprehension-two-instruments-to-read</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 60, Instrument Comprehension Two Instruments to Read</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to quickly interpret the AFOQTs attitude indicator for both bank and pitch. - The most effective two-step process to eliminate incorrect answer choices under extreme time pressure. - Why the heading indicator is often a distractor and should typically be checked last. - How to avoid the most common exam trap: mentally reversing the aircrafts bank. - A memorable mnemonic, Bank, Pitch, Pass, to systematize your approach to every question. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AbnOtbX424A4/C7rXd_LGQz2_PdHsFv.jpg</video:thumbnail_loc>
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      <video:duration>190</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-14-word-problem-translation-under-70-seconds</loc>
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      <video:title>AFOQT Exam Prep 14, Word Problem Translation Under 70 Seconds</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to instantly translate common English phrases into algebraic expressions to save critical time on the AFOQT Arithmetic Reasoning subtest. - To identify and avoid common exam traps, especially the word order in subtraction phrases like less than and exceeds by. - A mental shortcut using the word is to quickly find the equals sign and structure your equation correctly. - A step-by-step process for breaking down multi-sentence word problems by defining variables and using substitution. - Why creating a personal phrase-to-algebra cheat sheet during your prep is essential for building the necessary speed for test day. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9svOAdKPtS5y/9QqWcELrly2_vhtDNT.jpg</video:thumbnail_loc>
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      <video:duration>190</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-81-real-estate-documents-high-fraud-category</loc>
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      <video:title>Arizona Notary Exam Prep 81, Real Estate Documents High-Fraud Category</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Arizona law mandates a journal thumbprint for any deed, deed of trust, or other document affecting real property. - Real estate documents are a high-fraud category, requiring notaries to exercise extra vigilance during the notarization process. - Notaries play a crucial role in preventing elder abuse by assessing a signers awareness and willingness, especially in property transactions. - You must refuse to notarize if a signer seems coerced, does not understand the documents significance, or refuses to provide a required thumbprint. - Exam questions often use scenarios involving elderly signers or uncooperative clients to test your knowledge of refusal protocols and special requirements for real estate documents. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/7UDGwbW4s0RA/D6rHcEKrlP2_GovyoL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/7UDGwbW4s0RA/1787376813/index.m3u8</video:content_loc>
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      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-43-commercial-general-liability-overview</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 43, Commercial General Liability Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Coverage A protects against claims for bodily injury and property damage that the insured business causes to others. - Coverage B handles non-physical injuries such as libel, slander, and copyright infringement in advertising. - Coverage C provides no-fault medical payments for minor injuries to the public on the businesss premises to avoid larger lawsuits. - An occurrence policy covers incidents that happen during the policy period, regardless of when the claim is actually filed. - The CGL policy does not cover injuries to employees those are handled exclusively by Workers Compensation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/BObGwrvOYGcr/1787376795/index.m3u8</video:content_loc>
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      <video:duration>192</video:duration>
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      <video:title>Phlebotomy Exam Prep 54, Point-of-Care Testing (POCT) Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The definition of Point-of-Care Testing (POCT) and its CLIA-waived status for common tests like glucose and hemoglobin. - Critical quality control (QC) requirements, including the necessary frequency and documentation procedures. - The importance of operator certification and the need for annual competency assessments to perform POCT. - Essential components of proper documentation for POCT results in a patients medical record. - How to identify and avoid common pre-analytical errors in POCT, such as patient misidentification and improper sample collection. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>191</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-50-detect-and-avoid-daa-and-bvlos-foundations</loc>
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      <video:title>FAA Part 107 Drone Exam Prep 50, Detect and Avoid (DAA) and BVLOS Foundations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - What Detect and Avoid (DAA) technology is and its foundational role in drone operations. - Why DAA is a mandatory component for obtaining a Beyond Visual Line of Sight (BVLOS) waiver under Part 107. - How the right-of-way rule in 107.37 always requires a drone to yield to manned aircraft, regardless of its DAA system. - The most common exam trap: mistakenly believing that an advanced DAA system grants a drone the right-of-way. - The functional pillars of a DAA system, from initial detection to returning to the original flight path. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-43-lost-link-procedures-and-failsafe-settings</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 43, Lost Link Procedures and Failsafe Settings</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A lost link is the loss of the command-and-control signal, and your pre-programmed failsafe setting determines the drones action. - The three common failsafe options are Return-to-Home (RTH), hover, and land-in-place. - Your Return-to-Home (RTH) altitude must always be set higher than the tallest obstacle in your flight operation area. - The Remote Pilot in Command (PIC) is ultimately responsible for the outcome of a lost link event, even if automated procedures are active. - A lost link that results in serious injury or property damage over 500 may require an accident report to the FAA within 10 days under Part 107.9. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/y4juFxWPt0Gz/1787376795/index.m3u8</video:content_loc>
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      <video:duration>191</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-59-terrorism-risk-insurance-act</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 59, Terrorism Risk Insurance Act</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How TRIA acts as a federal financial backstop for commercial insurers. - The definition and importance of a certified act of terrorism. - The key role of the Secretary of the Treasury in the certification process. - Why insurers are required to offer terrorism coverage and how clients can reject it. - Common exam traps, such as the distinction between commercial and personal lines for TRIA. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/AjmylfuHEOb7/1787376948/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=D7XrIVLXk42</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-89-documentation-what-and-when</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 89, Documentation What and When</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The essential, non-negotiable elements of phlebotomy documentation: time, initials, and tube types. - The correct procedure for documenting unsuccessful draw attempts and adverse patient reactions like syncope or refusal. - The critical difference between the manually recorded time of collection and the LIS entry timestamp. - How to properly make a late entry and why falsifying documentation is a major legal and regulatory violation. - How to use the I-T-E-M-S mnemonic to recall key documentation points for your exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FzqqlvL47OQy/DRqqJUfbR52_COMzLF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FzqqlvL47OQy/1787376949/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DRqqJUfbR52</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-51-workers-compensation-basics</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 51, Workers Compensation Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That workers compensation is a no-fault system, meaning benefits are paid regardless of who caused the work-related injury or illness. - The exclusive remedy doctrine, which states that an employees only recourse against their employer for a workplace injury is through workers compensation, preventing most lawsuits. - The four types of statutory benefits provided: medical payments, disability income, rehabilitation services, and death benefits. - The key distinction between workers compensation (Part One) and employers liability (Part Two) coverage. - How employers liability protects the employer from lawsuits that fall outside the scope of the exclusive remedy rule, such as third-party claims. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/ADyOwvrO-WjZ/1787376949/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DBWaJ-KrRO2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-41-the-situational-judgment-test-sjt-format</loc>
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      <video:title>AFOQT Exam Prep 41, The Situational Judgment Test (SJT) Format</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The AFOQT SJT requires you to select both the MOST and LEAST effective response for each of the 50 scenarios within 35 minutes. - Scoring is based on a consensus of experienced Air Force officers, not a simple right-or-wrong answer key. - The SJT score does not factor into the main AFOQT composites (like Pilot or CSO) but is used by selection boards to evaluate leadership potential. - Common exam traps include choosing answers that are overly aggressive, dismissive, or completely passive, instead of proactive and fair. - Use the A.I.R. mnemonic (Assess, Involve, Respond) to analyze scenarios and select balanced, professional actions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-38-inference-questions-supported-vs-outside-knowledge</loc>
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      <video:title>AFOQT Exam Prep 38, Inference Questions Supported vs Outside Knowledge</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An inference is a conclusion supported by textual evidence, not something directly stated. - To identify inference questions by looking for signal words like implies, suggests, and most likely. - How to avoid the Outside Knowledge Trap, where an answer is factually correct but not supported by the provided passage. - How to recognize and discard Overreach answers that use extreme language like always, never, or impossible. - To use the core mnemonic: If you cannot point directly to evidence in the passage that supports the conclusion, it is the wrong answer. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BFqachbX64l5/D7rGIpfqQO2_ShEHJZ.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=D7rGIpfqQO2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
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    <video:video>
      <video:title>ANCC NPD-BC Exam Guide 2026: Eligibility, Blueprint &amp;amp; Scoring Rules</video:title>
      <video:description>Prepare for the 2026 ANCC Nursing Professional Development Board Certification (NPD-BC) exam with this complete guide to eligibility requirements, domain blueprint weightings, scoring standards, and renewal rules. Key topics covered: - 150 total questions (125 scored, 25 unscored) - 5 initial eligibility requirements including 2,000 practice hours - 6 blueprint domains led by Leadership (27%) and Educational Process (26%) - Scaled passing score of 350 and 60-day retest waiting periods - 5-year renewal rules requiring 75 CE contact hours Access free NPD-BC practice questions and study tools at open-exam-prep.com. Full blog guide: https://open-exam-prep.com/blog/ancc-npd-bc-nursing-professional-development-exam-guide-2026 Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:45 - Scene 2 1:18 - Scene 3 1:55 - Scene 4 2:33 - Scene 5 3:10 - Scene 6 3:48 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - NPD-BC Study Guide 2026-2027: Pass Your NPD-BC Certification with 1200 Practice Questions, Detailed Answers, and Complete Nursing Professional Development Coverage: https://www.amazon.com/dp/B0GK1BVM5Z?tag=openexamprep-20</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/7nySFtuOBGk6/DlXaI_fHQP2_tKGfwu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/7nySFtuOBGk6/1787376978/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DlXaI_fHQP2</video:player_loc>
      <video:duration>255</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-63-unfair-claims-settlement-practices</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 63, Unfair Claims Settlement Practices</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Failing to acknowledge and act promptly on claim communications is a prohibited unfair practice. - Insurers must conduct a reasonable investigation before denying a claim refusing to do so is a violation. - Knowingly misrepresenting policy provisions or pertinent facts to a claimant to avoid payment is illegal. - Compelling a policyholder to sue by offering substantially less than what a claim is worth is an unfair settlement practice. - An insurer must provide a reasonable and specific explanation for any claim denial based on the policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/7SyaFduPFSHY/0czqJpfGkz2_ehyREf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/7SyaFduPFSHY/1787377039/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0czqJpfGkz2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-61-osha-bloodborne-pathogens-standard</loc>
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      <video:title>Phlebotomy Exam Prep 61, OSHA Bloodborne Pathogens Standard</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The central role of the written Exposure Control Plan, which must be updated annually, in guiding all safety procedures. - How to differentiate between engineering controls like safety needles and work practice controls like prohibiting two-handed needle recapping. - The specific requirement for employers to offer the Hepatitis B vaccine free of charge within 10 working days of initial assignment. - The core principle of Standard Precautions: treating all human blood and certain body fluids as if they are infectious. - The mandate for bloodborne pathogen training to be conducted upon initial assignment and repeated annually. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/z6uqptaH74d4/uc5WcVKHkz2_alpYoe.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uc5WcVKHkz2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-56-cannot-pre-date-or-post-date-a-notarization</loc>
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      <video:title>Arizona Notary Exam Prep 56, Cannot Pre-Date or Post-Date a Notarization</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The date on a notarial certificate must be the exact calendar date the signer personally appeared before the notary. - Intentionally pre-dating or post-dating a notarization is a serious offense in Arizona, constituting the execution of a false statement and grounds for commission revocation. - Exam questions frequently use high-pressure scenarios, like real estate closings, to test a notarys commitment to using the correct date. - A signers request, reason, or excuse for asking for an incorrect date is legally irrelevant the notary must always refuse and use the actual date of appearance. - The mnemonic Todays date, no debate is a simple way to remember that the date of the notarization is non-negotiable. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/86aexh1PE4bz/uI5rJ-fGkj2_rwVeIn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/86aexh1PE4bz/1787377040/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uI5rJ-fGkj2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-46-buoyancy-and-stability-metacentric-height</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 46, Buoyancy and Stability Metacentric Height</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply Archimedes principle to find the submerged depth of a floating object. - The definition and significance of metacentric height (GM) for determining the stability of floating bodies. - The step-by-step process to calculate GM using the formula from the NCEES FE Reference Handbook. - Common exam traps, including confusing the center of gravity (G) with the center of buoyancy (B) and selecting the correct moment of inertia. - A mnemonic, GM Positive is Positively Stable, to quickly recall the stability criteria. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FUm8st1P-0kz/uc4rJEKaRz2_coozcp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FUm8st1P-0kz/1787377055/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uc4rJEKaRz2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-exam-prep-22-newtons-laws-and-free-body-diagram-discipline</loc>
    <video:video>
      <video:title>FE Exam Prep 22, Newtons Laws and Free Body Diagram Discipline</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That mastering the Free Body Diagram (FBD) is the most critical first step for solving FE statics and dynamics problems it requires isolating the body and drawing all external forces. - How Newtons First Law (ΣF = 0) provides the basis for the three equilibrium equations (ΣFx = 0, ΣFy = 0, ΣM = 0) used to solve all 2D statics problems. - To apply Newtons Second Law (ΣF = ma) for dynamics problems where the net forces cause acceleration, using the FBD as the starting point. - How to avoid common exam traps by correctly identifying support reactions: a roller has one force, a pin has two forces, and a fixed support has two forces and a moment. - A simple mnemonic for FBDs: I-A-R-E (Isolate, Applied Loads/Reactions, Axes, Equilibrium equations) to ensure a systematic approach. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9Oi0FbKGESjZ/0s5aJEfrRz2_yvAkbe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/9Oi0FbKGESjZ/1787377038/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0s5aJEfrRz2</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-97-impartiality-never-pressure-or-take-sides</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 97, Impartiality Never Pressure or Take Sides</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary must always act as an impartial third-party witness, never favoring one party or pressuring a signer. - Arizona Revised Statutes 41-328 expressly prohibits notarizing for any person related by marriage or adoption. - You are disqualified from a notarization if you have any direct beneficial or financial interest in the transaction, beyond the permitted fee. - Maintaining the confidentiality of a notarized document is a core component of impartiality and a common exam topic. - A frequent exam trap is offering advice or explaining a document, which is considered the unauthorized practice of law your role is limited to the notarial act itself. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/C5rGEhuXF87A/0J5XJpeHki2_IxVVVy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/C5rGEhuXF87A/1787377189/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0J5XJpeHki2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-14-negligence-and-liability-basics</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 14, Negligence and Liability Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four essential elements of negligence: duty, breach, causation, and damages. - How causation is a two-part test of both actual cause and proximate (foreseeable) cause. - The difference between contributory negligence, an all-or-nothing rule, and comparative negligence, which reduces recovery based on fault. - How to calculate liability payments in a comparative negligence scenario. - The definition of the assumption of risk defense and when it applies to a liability claim.</video:description>
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      <video:content_loc>https://streaming.open.video/contents/BRjachrW_0Xy/1787377189/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0ZyGIoeqRy2</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-25-airport-markings-beacons-and-wind-indicators</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 25, Airport Markings, Beacons, and Wind Indicators</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to identify civilian (white/green) versus military (white/white/green) airport beacons. - The critical difference between a wind sock, which points downwind, and a tetrahedron, which points into the wind. - How to interpret runway numbers as magnetic headings by adding a zero (e.g., Runway 27 equals 270). - The function of a segmented circle and its L-shaped indicators for determining traffic pattern direction. - When to expect an airports rotating beacon to be operational: from dusk until dawn and during daytime instrument meteorological conditions (IMC). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CcDeBhizZWtW/uJ4aIoLbRz2_YFLWmS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CcDeBhizZWtW/1787377328/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uJ4aIoLbRz2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-25-mastectomy-side-restriction</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 25, Mastectomy Side Restriction</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why venipuncture is contraindicated on the side of a mastectomy due to lymphedema risk and potential for inaccurate results. - That the restriction against drawing on the mastectomy side is lifelong and does not change over time. - The correct protocol for patients with a bilateral mastectomy, which requires a physicians order for an alternative site. - How to handle exam scenarios involving other complications, such as an IV on the non-restricted arm. - The critical importance of documenting the reason for any alternative venipuncture site selection.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Bgb4ddzb24qt/0Z4WdVLqQj2_KpGsnl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Bgb4ddzb24qt/1787377328/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Z4WdVLqQj2</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-15-sodium-fluoride-gray-tube-glucose-preservation</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 15, Sodium Fluoride (Gray) Tube Glucose Preservation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The gray top tube contains two key additives: sodium fluoride as an antiglycolytic agent and potassium oxalate as an anticoagulant. - Sodium fluorides primary role is to preserve glucose by stopping glycolysis, the process where blood cells break down sugar. - This tube is essential for tests requiring highly accurate glucose levels, such as glucose tolerance tests (GTT), lactate, and blood alcohol levels. - A common exam trap is confusing the additives sodium fluoride preserves the sample, while potassium oxalate prevents clotting. - If sample analysis is delayed, a gray top tube provides a more accurate glucose value than a green top (heparin) tube because it prevents the glucose level from falsely decreasing. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/7wrOFtnz2S4A/uZ5qJEfqQi2_jJZyRJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/7wrOFtnz2S4A/1787377346/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uZ5qJEfqQi2</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-97-blood-donor-phlebotomy-allogeneic-and-autologous</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 97, Blood Donor Phlebotomy Allogeneic and Autologous</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The minimum hemoglobin for allogeneic donation is 12.5 g/dL for females and 13.0 g/dL for males. - The minimum hemoglobin for an autologous (self-donation) is lower, at 11.0 g/dL. - A standard allogeneic whole blood donation is 450-500 mL and requires an 8-week (56-day) interval between donations. - Autologous donation criteria are more relaxed to allow patients to donate for their own upcoming surgeries. - Apheresis allows for the donation of specific components like platelets and has much shorter donation intervals than whole blood. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_sbiAx9aZO6y/vY5Gc-eqQj2_ExfQXK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/_sbiAx9aZO6y/1787377345/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vY5Gc-eqQj2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-36-buyer-broker-agreements</loc>
    <video:video>
      <video:title>Real Estate Exam California 36, Buyer Broker Agreements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between exclusive and non-exclusive buyer broker agreements in California. - How broker compensation is determined, negotiated, and handled when a sellers offer differs. - The six fiduciary duties a buyers agent owes their client, remembered by the acronym OLDCAR. - The specific rules and notice periods for terminating exclusive versus non-exclusive agreements. - The required timing for presenting the agency disclosure form to a potential buyer in California. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DwjeFv9iYOAz/1szqIULbRy2_GaIAyF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DwjeFv9iYOAz/1787377346/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1szqIULbRy2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-30-personal-auto-medical-payments-and-pip</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 30, Personal Auto Medical Payments and PIP</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Medical Payments (MedPay) covers medical and funeral expenses for you and your passengers, regardless of fault. - Personal Injury Protection (PIP) is broader than MedPay, adding coverage for lost wages and essential services. - MedPay and PIP are no-fault coverages, while Bodily Injury Liability only pays when you are at-fault. - Your Bodily Injury Liability covers injuries to others MedPay and PIP cover injuries to yourself and those in your car. - A key distinction of no-fault systems is that they restrict the right to sue the at-fault party for injuries unless certain thresholds are met. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/4gbqhrOyZ4yA/vczHdVeaQi2_PKICMS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/4gbqhrOyZ4yA/1787377327/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vczHdVeaQi2</video:player_loc>
      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-61-ron-registration-with-sos</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 61, RON Registration with SOS</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That RON authorization in Arizona is a separate registration, not a separate commission, and requires you to already hold a traditional notary commission. - That you must contract with a state-approved RON technology vendor before submitting your registration application to the Secretary of State. - While Arizona does not mandate a state-administered training course, you will receive platform-specific training from your chosen technology provider. - That your RON registration period is not a full four years it expires on the exact same day as your underlying traditional notary commission. - To renew your RON authorization, you must first successfully renew your traditional notary commission and then re-apply for RON. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/EsnOBd4z2W5B/1cyGI_fGQz2_fjnPqo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/EsnOBd4z2W5B/1787377328/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1cyGI_fGQz2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-87-score-of-record-strategy-when-to-retake</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 87, Score-of-Record Strategy When to Retake</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the AFOQT uses a super-scoring system, where your best composite scores from any attempt are used. - Why you should only consider a retake if your score is below the competitive threshold for your desired Air Force career. - The importance of dedicating at least 50 hours of new, targeted study before attempting a retake. - A mental shortcut to guide your decision: Retake for need, not for pride. - How to strategically plan your test dates around the mandatory waiting period to meet application deadlines. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Awy4Ff8bF4tX/1tyGJpLHQi2_RbjXCN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Awy4Ff8bF4tX/1787377504/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1tyGJpLHQi2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-23-dwelling-policies-dp-1-dp-2-and-dp-3</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 23, Dwelling Policies DP-1, DP-2, and DP-3</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Dwelling policies are primarily for non-owner-occupied properties like rentals, whereas homeowners policies are for owner-occupied residences. - The DP-1 (Basic Form) is a named peril policy that settles losses on an Actual Cash Value (ACV) basis. - The DP-2 (Broad Form) covers more named perils than the DP-1 and upgrades building coverage to a Replacement Cost basis. - The DP-3 (Special Form) provides open peril (all-risk) coverage for the dwelling structure but retains named peril coverage for personal property. - Liability and theft are not standard coverages in any dwelling policy and must be added by endorsement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Cwi4lx9zBS55/1ZybIFKWRj2_odGChv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Cwi4lx9zBS55/1787377527/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1ZybIFKWRj2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-53-required-spanish-disclaimer-wording</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 53, Required Spanish Disclaimer Wording</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The exact, word-for-word Spanish disclaimer Arizona notaries must use in foreign-language advertisements. - Why this disclaimer is crucial for preventing the unauthorized practice of law due to the meaning of notario público in other countries. - How the exam will test you on the precise wording and application of this advertising rule. - Common exam traps, including partially correct disclaimers and scenarios where the notice is not required. - A simple mnemonic to help you remember the three key declarations within the required Spanish statement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BgaelxOi6Osq/1J5WIofXQz2_RWjqJP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BgaelxOi6Osq/1787377504/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1J5WIofXQz2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-39-vocabulary-in-context-questions</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 39, Vocabulary-in-Context Questions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why AFOQT Vocabulary-in-Context questions require sentence analysis, not just dictionary definitions. - The most effective strategy is to substitute each answer choice into the sentence to see which one preserves the meaning. - How to spot common exam traps where an answer choice is a correct synonym but wrong for the specific context. - The crucial difference between this question type and those found on the pure Word Knowledge subtest. - A simple mnemonic to remember the core strategy: When in doubt, swap it out. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CcyeAb9z-OzA/vtzbIoeWRj2_KoHKba.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CcyeAb9z-OzA/1787377504/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vtzbIoeWRj2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-37-torsion-of-circular-shafts-stress-twist-power</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 37, Torsion of Circular Shafts Stress, Twist, Power</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to calculate maximum shear stress in a shaft and avoid the common radius versus diameter trap. - The correct application of the polar moment of inertia (J) for both solid and hollow circular shafts. - How to find the angle of twist and the critical final step of converting radians to degrees. - The essential unit conversion from RPM to radians per second required for all power transmission problems. - A simple mnemonic, The Lazy Jay Goose, to easily recall the angle of twist formula, φ = TL/JG. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DsuuxhTj-SX6/1dzrIELGQy2_aMMUvA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DsuuxhTj-SX6/1787377505/index.m3u8</video:content_loc>
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      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-39-options-lease-options-and-promissory-notes</loc>
    <video:video>
      <video:title>Real Estate Exam California 39, Options, Lease Options, and Promissory Notes</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An option is a unilateral contract binding only the seller, while a purchase agreement is a bilateral contract binding both parties. - A Right of First Refusal allows a holder to match a third-party offer, whereas an option grants the right to buy at a predetermined price. - The promissory note serves as evidence of the debt (the IOU), while the deed of trust secures the debt to the physical property. - In seller carryback financing, the propertys seller also acts as the lender for the buyer. - Arranging loans with multiple investors or selling shares in notes can trigger securities laws, a major exam red flag requiring a different license. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DNrKFd8zB4az/0Y4WcofHRO2_hyrUPa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DNrKFd8zB4az/1787377657/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Y4WcofHRO2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-36-afoqt-reading-comp-anatomy-5-10-line-passages</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 36, AFOQT Reading Comp Anatomy 5-10 Line Passages</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical AFOQT strategy of reading the question before reading the 5-10 line passage. - How to master pacing when you have approximately 91 seconds or less per question. - The difference between skimming for detail-based questions and targeted reading for inference questions. - How to identify and avoid common exam traps like factually true (but unsupported) answers and extreme wording. - A memorable mnemonic, Q-FIRST (Question First, Identify keywords, Read for Specifics, Test), to anchor your approach. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9NjqofPbB8P4/us4Wc_LHR42_rujIWM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/9NjqofPbB8P4/1787377657/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=us4Wc_LHR42</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-28-trusses-method-of-joints-vs-method-of-sections</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 28, Trusses Method of Joints vs Method of Sections</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - When to choose the Method of Joints versus the Method of Sections to save time on the FE Civil exam. - The critical two-unknown limit for the Method of Joints and how to apply it by starting at the correct joint. - How to use the Method of Sections by making a cut through a maximum of three members to find specific forces quickly. - The importance of always calculating the external support reactions as the first step in any truss problem. - How to identify zero-force members to simplify the problem before starting calculations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6ZbSAbja_8aZ/uIyHdUfGR52_PTIUrT.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uIyHdUfGR52</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-63-hand-hygiene-when-and-how</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 63, Hand Hygiene When and How</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The five critical moments for hand hygiene in a phlebotomy setting and how they appear on the exam. - How to distinguish between scenarios requiring alcohol-based sanitizer versus soap and water. - Why you must wash your hands before donning gloves, a common exam confusion point. - The critical exception for patients with C. diff and why alcohol-based sanitizers are ineffective. - A simple mnemonic, Two Before, Three After, to quickly recall the five hand hygiene triggers in test questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DojyBr4rsGlt/0J5qJUeHQ42_WRvlDN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DojyBr4rsGlt/1787377753/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0J5qJUeHQ42</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-62-slabs-and-development-length</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 62, Slabs and Development Length</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to differentiate between one-way and two-way slabs using the long-to-short side ratio of 2.0. - Why one-way slabs are analyzed as wide beams with load transfer occurring primarily in the short direction. - The definition of development length (ld) and its importance for achieving the rebars full yield strength. - How to identify and apply the critical top-bar modification factor of 1.3 in development length calculations. - The relationship between splice length and development length for Class A (1.0 ld) and Class B (1.3 ld) tension splices. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BAbCob9r38as/0t5qJ-KHRO2_PLhEOB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BAbCob9r38as/1787377809/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0t5qJ-KHRO2</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-24-income-approach-and-financial-analysis</loc>
    <video:video>
      <video:title>Real Estate Exam California 24, Income Approach and Financial Analysis</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between Gross Rent Multiplier (monthly income) and Gross Income Multiplier (annual income). - The step-by-step formula to accurately calculate Net Operating Income (NOI). - Common exam traps, such as which expenses to exclude from NOI calculations like debt service and capital expenditures. - How to use the capitalization rate (cap rate) to determine a propertys value. - The IRV mnemonic (Income = Rate x Value) as a mental shortcut for exam-day calculations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/EzrqBdmaxGdA/uZ5bIoLGR52_EHqzyr.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/EzrqBdmaxGdA/1787377831/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uZ5bIoLGR52</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-26-resultants-of-force-systems-2d-and-3d</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 26, Resultants of Force Systems 2D and 3D</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to resolve 2D forces into Rx and Ry components to find the resultant magnitude and direction. - The critical exam trap of determining the correct quadrant for the resultant angle based on the signs of the force components. - The extension of resultant calculations to 3D systems by including the z-component for both force and direction. - The key difference between concurrent systems (only a resultant force) and non-concurrent systems (a resultant force and a resultant moment). - That a couple creates a pure moment with zero resultant force, allowing its effect to be applied anywhere on a body. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_ozWEdmatGk7/vIyGdpeakP2_myzVSh.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vIyGdpeakP2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-24-difficult-venipuncture-strategies</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 24, Difficult Venipuncture Strategies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The correct first step to take when faced with difficult-to-find veins. - The protocol and risks associated with using hand or wrist veins as alternative sites. - The strict two-attempt rule and the required action after unsuccessful venipunctures. - Why a physicians order is mandatory before considering an ankle or foot draw. - A memorable mnemonic (HEAT) to recall the proper strategies for difficult draws on your exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/54vqlxOjsSk5/vs4WJpLbk52_PClMze.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vs4WJpLbk52</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-55-surety-and-fidelity-bonds</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 55, Surety and Fidelity Bonds</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three parties to a surety bond: the principal, obligee, and surety. - How a surety bond guarantees the performance of the principal for the benefit of the obligee. - Why the principal must indemnify the surety for any losses paid under a surety bond. - How a fidelity bond protects a business from the dishonest acts of its employees. - The key differences in how claims are handled between surety and fidelity bonds. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/B8faddCrtKRr/vZ4qd-frk52_gnojCV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/B8faddCrtKRr/1787377926/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vZ4qd-frk52</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-49-ethics-and-serving-diverse-populations</loc>
    <video:video>
      <video:title>Real Estate Exam California 49, Ethics and Serving Diverse Populations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why Californias duty of honesty requires disclosing all known material facts, even if not directly asked. - How to identify and refuse seemingly innocent client requests that could constitute illegal steering. - The professional standard for language access issues, including when to recommend a professional translator. - The clear line for avoiding the Unauthorized Practice of Law by always referring legal questions to an attorney. - How to uphold your fiduciary duty to vulnerable clients, especially when they face pressure from family members. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/yViaornbZSlq/vt4XdoKal42_aLtTqg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/yViaornbZSlq/1787377899/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vt4XdoKal42</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-62-personal-protective-equipment-ppe</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 62, Personal Protective Equipment (PPE)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That a new pair of gloves is mandatory for every single patient encounter without exception. - How to identify exam scenarios that require additional PPE, like gowns and face shields, based on the risk of splashing. - The correct sequence for donning PPE: gown, mask, goggles, and then gloves last. - The critical doffing sequence to prevent self-contamination: gloves, goggles, gown, and finally the mask. - How to spot common exam traps involving incorrect PPE removal order and overuse of PPE in routine procedures. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-8jmcxmix0Gy/1ZzWIpfak42_JCyPab.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-8jmcxmix0Gy/1787377899/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1ZzWIpfak42</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-22-sales-comparison-approach-and-cma</loc>
    <video:video>
      <video:title>Real Estate Exam California 22, Sales Comparison Approach and CMA</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Sales Comparison Approach is based on the principle of substitution, where value is determined by what a similar property recently sold for. - The golden rule of adjustments: Always adjust the comparable propertys price, never the subject propertys price. - The mnemonic for adjustments: CIA (Comparable Inferior, Add) and CBS (Comparable Better, Subtract). - The difference between a Comparative Market Analysis (CMA) prepared by a licensee for pricing, and a formal appraisal conducted by a licensed appraiser for lending purposes. - The concept of bracketing, where an appraiser selects comps that are both superior and inferior to the subject property to establish a credible value range. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zOvqgrOi3KPY/vt5bIoKblP2_xRbPHN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zOvqgrOi3KPY/1787377925/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vt5bIoKblP2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-21-laanc-automatic-authorization</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 21, LAANC Automatic Authorization</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - What LAANC is and which specific types of controlled airspace it applies to (Class B, C, D, and surface E). - How UAS Facility Maps (UASFM) dictate the pre-approved altitude ceilings for automatic authorization. - The critical difference between an automatic LAANC authorization and a request requiring further coordination. - Common exam traps, such as misapplying LAANC to Class G airspace or misunderstanding a 0 altitude grid. - The process of using an approved third-party application to submit a LAANC request for near-real-time approval. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ySjKgxirs8Qy/1J4aIofHkO2_LPfwuz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ySjKgxirs8Qy/1787377935/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1J4aIofHkO2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-59-diurnal-variation-drug-and-hormone-tests</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 59, Diurnal Variation Drug and Hormone Tests</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Cortisol levels peak around 8 AM and are lowest in the evening, a critical timing factor for diagnosing endocrine disorders like Cushings or Addisons disease. - Other common tests like ACTH, TSH, and iron also exhibit significant diurnal variation, making morning collections the standard for accurate interpretation. - Therapeutic drug monitoring requires precise timing for trough levels (drawn right before the next dose) and peak levels (drawn after the dose is administered). - A common exam trap is identifying an incorrect draw time as a pre-analytical error that can lead to misinterpretation of results for time-sensitive tests. - Accurately documenting the exact time of collection is a crucial responsibility for a phlebotomist to ensure the clinical value of timed specimens. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FoyqodTj_OQ6/1J5bdFLHR52_KOetGj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FoyqodTj_OQ6/1787378012/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1J5bdFLHR52</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-56-quality-control-in-phlebotomy</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 56, Quality Control in Phlebotomy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Daily QC for POCT devices requires running two levels of controls: a low/normal and a high/abnormal. - Levey-Jennings charts are used to visually track QC data over time, helping to identify shifts and trends that indicate potential problems. - The Westgard 1-3s rule requires immediate rejection of a QC run if a result falls outside three standard deviations from the mean. - When a QC result is out-of-range, you must stop patient testing immediately and perform corrective action before rerunning the control. - Meticulous documentation of all QC results, out-of-range flags, and corrective actions is mandatory for regulatory inspections. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/5juqEd5b-KcZ/8I4qIperkz2_OsDdvP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/5juqEd5b-KcZ/1787378011/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8I4qIperkz2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-53-unit-hydrograph-and-storm-hydrograph</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 53, Unit Hydrograph and Storm Hydrograph</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A unit hydrograph represents the direct runoff from exactly one inch (or cm) of effective rainfall over a specific duration. - To calculate a storm hydrograph, you multiply the unit hydrographs flow rates by the actual depth of effective rainfall. - The most frequent exam trap is using total rainfall instead of effective rainfall always subtract infiltration and other losses first. - The principle of linear superposition requires that the storms rainfall duration matches the specified duration of the unit hydrograph. - Total streamflow is the sum of direct runoff (from the storm hydrograph) and the baseflow present in the channel. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/88eewdCbEGjs/8syaJEKqlz2_KLgoUL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/88eewdCbEGjs/1787378138/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8syaJEKqlz2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-44-emergency-procedures-flyaways-fire-lost-link</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 44, Emergency Procedures Flyaways, Fire, Lost Link</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A flyaway is an unresponsive drone the first action is to switch to ATTI mode to attempt to regain manual control. - A lost link is a communication failure where the drone should follow its pre-set Return-to-Home (RTH) procedure. - Never use water on a LiPo battery fire the correct response is a Class D extinguisher or smothering it with sand. - Pre-flight planning is critical, including setting a safe RTH altitude to clear all potential obstacles. - Exam questions often create scenarios to test if you can distinguish between a flyaway and a lost link and choose the appropriate response. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zOmuEhnrAWl7/8I4Xdoerkz2_fuvqQi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zOmuEhnrAWl7/1787378154/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8I4Xdoerkz2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-30-visibility-cloud-clearance-and-the-3-sm-500-ft-rule</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 30, Visibility, Cloud Clearance, and the 3 SM / 500 ft Rule</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The absolute minimum weather requirements for Part 107 operations: 3 statute miles of visibility, 500 feet below clouds, and 2,000 feet horizontally from clouds. - How the FAA exam tests the critical rule that visibility is measured from the Remote Pilots control station, not the drones camera. - Common exam traps involving official weather reports versus a pilots subjective assessment of visibility. - Why Part 107 weather minimums are stricter and remain constant compared to the more lenient rules for manned aircraft in certain airspace. - A simple mnemonic, 3-5-2, from the pilots view, to retain the core visibility and cloud clearance rules for your exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/74imprTr-GlW/8szaJVeqli2_nssCVI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/74imprTr-GlW/1787378155/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8szaJVeqli2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-99-phlebotomy-across-settings-hospital-vs-clinic-vs-mobile</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 99, Phlebotomy Across Settings Hospital vs Clinic vs Mobile</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply strict patient identification protocols in a high-acuity hospital setting, a common exam topic. - Key differences in managing patient flow and verifying pre-analytical conditions, like fasting, in an outpatient clinic. - The critical importance of specimen integrity, including temperature control and timing, during mobile phlebotomy transport. - Safety and isolation precautions unique to hospital environments and how they are tested. - The necessity of complying with state-specific regulations and licensing for mobile phlebotomy operations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/EOe4wh8y78Jr/Ct5bcoeqkj2_JjmdNv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/EOe4wh8y78Jr/1787378137/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ct5bcoeqkj2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-92-refusing-service-valid-reasons-only</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 92, Refusing Service Valid Reasons Only</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific circumstances under which an Arizona notary MUST refuse service, according to A.R.S. 41-256. - How to differentiate between a lawful refusal and illegal discrimination against a protected class. - Common exam questions that test your knowledge on conflicts of interest as defined in A.R.S. 41-252. - The critical importance of documenting every refusal in your notary journal to protect yourself from liability. - A simple mnemonic to remember the valid reasons for refusing a notarial act: I Cant Notarize Incomplete, Unsure, or Distant Signers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-8eCEf4aASH6/8Zzrd_frly2_QCUjKY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-8eCEf4aASH6/1787378140/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Zzrd_frly2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-77-aviation-regulations-and-weather-basics</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 77, Aviation Regulations and Weather Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key differences between flexible FAA Part 61 training and structured Part 141 flight schools. - How to distinguish between a METAR (current weather report) and a TAF (weather forecast). - What density altitude is and how high temperature, altitude, and humidity negatively impact aircraft performance. - Why high density altitude leads to longer takeoff distances and slower climb rates. - That aviation cloud bases are always reported in feet Above Ground Level (AGL). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9OemFfCb_4Gr/8Z5XJULrlz2_kxvQZy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/9OemFfCb_4Gr/1787378154/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Z5XJULrlz2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-26-ctaf-communication-at-non-towered-airports</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 26, CTAF Communication at Non-Towered Airports</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To locate the Common Traffic Advisory Frequency (CTAF) for a non-towered airport in the Chart Supplement or on a sectional chart. - That while not mandatory for Part 107 pilots, monitoring CTAF and self-announcing your position is a critical safety best practice near airports. - How to interpret standard pilot announcements to build situational awareness of manned aircraft positions and intentions. - The difference between CTAF (pilot-to-pilot), UNICOM (air-to-ground advisory service), and MULTICOM (used when no other frequency is assigned). - That manned aircraft typically enter the traffic pattern at a 45-degree angle to the downwind leg, helping you anticipate their movements. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/F4iSgdSqF8by/8t4XcEfHlz2_vUViSk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/F4iSgdSqF8by/1787378138/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8t4XcEfHlz2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-22-pediatric-phlebotomy-considerations</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 22, Pediatric Phlebotomy Considerations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The principles of atraumatic care, including parental presence and distraction techniques. - Proper application and timing for topical anesthetics like EMLA cream to minimize pain. - How to calculate maximum allowable blood draw volumes based on a childs weight to prevent complications. - The importance of using appropriate equipment, such as smaller microtainer tubes, for pediatric draws. - The risk and causes of iatrogenic anemia, especially in the NICU, from repeated blood collections. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ASiKAf5bFWct/Ct4bJ_eXky2_KOxKaB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ASiKAf5bFWct/1787378156/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ct4bJ_eXky2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-94-outpatient-draw-station-workflow</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 94, Outpatient Draw Station Workflow</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical six-step sequence for outpatient draw station workflow. - How to correctly handle incomplete or illegible test requisitions. - The proper two-identifier method for patient identification to prevent errors. - The exact moment to label blood tubes to ensure specimen integrity. - Key differences in managing single-visit orders versus standing orders. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/zPDeFb9b-8tY/9syHJpfWkj2_ZYYAaa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/zPDeFb9b-8tY/1787378296/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9syHJpfWkj2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-40-commercial-package-policy-and-monoline-policies</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 40, Commercial Package Policy and Monoline Policies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A Commercial Package Policy (CPP) bundles multiple coverages like property and liability into one flexible policy for a business. - A policy with only one line of coverage is a monoline policy a CPP must have two or more. - All CPPs contain Common Policy Declarations and Common Policy Conditions that apply to every coverage part. - Interline endorsements are used to modify two or more coverage parts simultaneously. - A CPP is highly customizable for complex businesses, whereas a Businessowners Policy (BOP) is a pre-packaged policy for smaller, low-risk businesses. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9ebmhbPPZSrA/DIyXJpKXli2_UMCQdK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/9ebmhbPPZSrA/1787378426/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DIyXJpKXli2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-73-airfoil-and-lift-generation</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 73, Airfoil and Lift Generation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How an airfoils shape with a curved upper surface and flatter lower surface is essential for generating lift. - The application of Bernoullis principle, where faster airflow over the top of the wing creates lower pressure, resulting in an upward force. - The definition of Angle of Attack (AOA) as the critical angle between the wings chord line and the oncoming relative wind. - How to identify the critical AOA, the point beyond which increasing the AOA will not create more lift but will instead induce a stall. - The nature of an aerodynamic stall as a separation of airflow from the wings surface, which is unrelated to engine failure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/yanOFr942S4r/Ds5aI_eWkz2_wCOngm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/yanOFr942S4r/1787378440/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ds5aI_eWkz2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-30-title-insurance-and-vesting</loc>
    <video:video>
      <video:title>Real Estate Exam California 30, Title Insurance and Vesting</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between a preliminary title report and an actual title insurance policy. - How standard CLTA coverage differs from extended ALTA coverage, especially regarding off-record defects. - The key characteristics of Tenancy in Common, including unequal shares and no right of survivorship. - The four unities (TTIP) and the absolute right of survivorship that define Joint Tenancy. - How Community Property with Right of Survivorship provides unique benefits for married couples in California, avoiding probate. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BsfmtrDGs84r/Ds5Hd_LHkz2_mdtkuN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BsfmtrDGs84r/1787378445/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ds5Hd_LHkz2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-12-function-tool-and-worker-analogies</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 12, Function, Tool, and Worker Analogies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to identify three key analogy types on the AFOQT: tool-worker, function, and worker-product. - The critical importance of matching the relationships order to avoid reversed-answer traps. - A simple sentence-building technique to precisely define an analogys relationship. - How to recognize common distractors that are related but do not fit the specific analogy. - The specific differences between a tools function and a workers product in analogy questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BejecrzOtGzt/DY4GJ-faRy2_HPfpgj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BejecrzOtGzt/1787378427/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DY4GJ-faRy2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-24-dwelling-policy-perils-and-loss-settlement</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 24, Dwelling Policy Perils and Loss Settlement</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the DP-1 is a basic, named-peril policy that pays all claims on an Actual Cash Value basis. - How the DP-2 broadens coverage with more named perils and introduces Replacement Cost for the dwelling. - Why the DP-3 offers superior open-peril coverage for the dwelling but retains named-peril coverage for personal property. - That theft of personal property is not a standard peril on any Dwelling Policy form and must be added by endorsement. - How the 80% coinsurance rule is critical for receiving Replacement Cost settlement on the DP-2 and DP-3. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/7Heylr9W2465/9t5bdFLWkz2_qZPynS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/7Heylr9W2465/1787378530/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9t5bdFLWkz2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-53-csf-and-body-fluid-specimens</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 53, CSF and Body Fluid Specimens</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The phlebotomists crucial support role during a physician-performed lumbar puncture. - The critical order of draw for CSF tubes 1, 2, 3, and 4 and the rationale behind it. - The specific laboratory destinations for each CSF tube: chemistry, microbiology, and hematology. - How the CSF collection sequence minimizes contamination to ensure accurate microbiology and cell count results. - The identification and handling principles for other body fluids such as pleural, pericardial, and synovial fluid. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/7XiiEfnGtO6A/9d4acFfaRi2_FOFhwZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/7XiiEfnGtO6A/1787378511/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9d4acFfaRi2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-52-sputum-throat-swab-nasopharyngeal</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 52, Sputum, Throat Swab, Nasopharyngeal</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to differentiate between a valid deep-cough sputum sample and an invalid saliva sample for accurate testing. - Why first morning sputum collection yields the most concentrated and reliable specimen for respiratory diagnostics. - The precise anatomical landmarks for a throat swab, focusing on the tonsils and posterior pharynx while avoiding contamination. - The correct technique for a nasopharyngeal swab, including insertion depth, angle, and the crucial 5-10 second hold time. - How to identify common exam traps related to specimen rejection and recollection due to procedural errors like sample contamination. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/A3aGcb4XZ8Y5/9JyGJVebRj2_MgAUsk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/A3aGcb4XZ8Y5/1787378531/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9JyGJVebRj2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-8-binders-and-temporary-insurance</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 8, Binders and Temporary Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A binder is a temporary, legally binding contract providing immediate insurance coverage until a formal policy is issued. - Only agents with binding authority from an insurer can issue a binder, committing the company to the risk. - Binders must contain essential details like the insurers name, coverage limits, effective date, and covered perils. - A binder is different from a certificate of insurance a binder provides temporary coverage, while a certificate summarizes an existing policy. - Binders typically last 30-90 days and terminate automatically when the final policy is delivered. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FLmqEtnWt0AA/9t4HJpLbRj2_ITdGfT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FLmqEtnWt0AA/1787378511/index.m3u8</video:content_loc>
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      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-43-centrifugation-principles-and-time</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 43, Centrifugation Principles and Time</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The standard centrifugation setting for serum and plasma is 10-15 minutes at a Relative Centrifugal Force (RCF) of 1000 to 1300g. - Why Serum Separator Tubes (SSTs) must be allowed to clot for a full 30 minutes at room temperature before being placed in the centrifuge. - The critical importance of precisely counterbalancing the centrifuge to ensure sample integrity, prevent mechanical damage, and avoid creating biohazardous aerosols. - The absolute rule against re-spinning gel separator tubes and the associated risk of falsely elevated potassium levels. - How using the centrifuges hard brake can disrupt cellular separation and lead to hemolysis, and why letting it coast to a stop is the correct procedure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9giKtbjX6K45/Dt5GcUfqRi2_VuLvQL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/9giKtbjX6K45/1787378672/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dt5GcUfqRi2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-88-cultural-competency-in-phlebotomy</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 88, Cultural Competency in Phlebotomy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to correctly respond to a patients request for a gender-concordant phlebotomist based on religious beliefs. - The critical patient safety steps to take when a blood draw is ordered for a patient observing a religious fast. - Best practices for managing patients who exhibit fear or anxiety due to previous medical trauma. - The absolute requirement to honor a patients right to refuse a blood draw at any point in the procedure. - A simple mnemonic, CARE (Confirm, Acknowledge, Respect, Ensure), to guide your choices on exam day. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_ayWobyPA87Z/CI5GIpfWkP2_MOSDGh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/_ayWobyPA87Z/1787378654/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CI5GIpfWkP2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-86-traverse-computations-bearings-latitudesdepartures-shoelace</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 86, Traverse Computations Bearings, Latitudes/Departures, Shoelace</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to convert between bearings and azimuths to correctly apply latitude and departure formulas. - The critical sign conventions for latitudes (N+/S) and departures (E+/W) that are common exam traps. - The process for calculating the error of closure in a traverse and adjusting it using the Compass Rule. - How to find and apply the Shoelace Formula (Area by Coordinates) from the Mathematics section of the NCEES Handbook. - A simple mnemonic, Latitude is Like Northitude, to quickly recall the North-South and East-West components. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/7ameBt95F0q4/Cs5qIULXkP2_qXiUcD.jpg</video:thumbnail_loc>
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      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-50-heat-and-thermodynamics</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 50, Heat and Thermodynamics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The most critical temperature conversion for the AFOQT is Kelvin = Celsius + 273. - How to rearrange the specific heat formula (Q=mcΔT) to solve for any variable, especially specific heat capacity c. - To differentiate the three heat transfer modes: conduction (direct contact), convection (fluid motion), and radiation (electromagnetic waves). - That an objects temperature remains constant during a phase change, such as melting or boiling. - To identify common exam traps like unit conversions (e.g., grams to kilograms) and interpreting the plateaus on heating curve graphs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/5uCSBx8XAWY7/8s5rd-fWlP2_jAqGwK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/5uCSBx8XAWY7/1787378654/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8s5rd-fWlP2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-46-vision-and-scanning-techniques</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 46, Vision and Scanning Techniques</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The FAA-approved method for systematically scanning the sky in 10-degree segments. - How empty field myopia creates a hazard by causing your eyes to lose focus at a distance. - The different roles of central and peripheral vision in detecting and identifying air traffic. - The correct technique of looking slightly off-center to spot objects in low-light conditions. - Why sunglasses can reduce contrast and which lens color is recommended for pilots. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FayWxb95_KYY/CIzrd-LHkP2_LAoOQh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/FayWxb95_KYY/1787378660/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CIzrd-LHkP2</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-41-maximum-fees-under-ars-41-316</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 41, Maximum Fees Under A.R.S. 41-316</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The maximum fee an Arizona notary can charge for common notarial acts is 10 per act. - How to correctly calculate fees based on the number of notarial acts, not the number of documents or signatures. - That travel fees are separate from notarial fees and are based on the state employee mileage rate. - The critical requirement to obtain a signers agreement on all travel fees before the appointment. - The legal requirement for Arizona notaries to post their fee schedule in a conspicuous place. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FceStf8P_04t/CI4GcVLaQP2_Ydxuwr.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CI4GcVLaQP2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-13-careless-reckless-and-hazardous-operations</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 13, Careless, Reckless, and Hazardous Operations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - 107.23 prohibits both careless/reckless flying and dropping objects that create an undue hazard to people or property. - The FAA exam will test your ability to distinguish between careless (negligent) and reckless (willful disregard for safety) actions in operational scenarios. - Under 107.19 and 107.37, a small unmanned aircraft must always yield the right-of-way to all other aircraft, without any exceptions. - Exam questions often present scenarios with unpredictable manned aircraft as the Remote PIC, your responsibility is always to see, avoid, and yield. - A helpful mnemonic, Drones Dont Dominate, reinforces that drones are at the bottom of the aviation hierarchy and must give way to all other airborne vehicles. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DPiKBd54w8Rt/DJyaI-LHRP2_KktHvw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DPiKBd54w8Rt/1787378996/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DJyaI-LHRP2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-44-cgl-coverage-a</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 44, CGL Coverage A</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - CGL Coverage A responds to bodily injury and property damage claims caused by an occurrence. - An occurrence is an accident, which includes continuous or repeated exposure to harmful conditions. - Coverage is limited to a specific territory, primarily the U.S., its territories, Puerto Rico, and Canada. - The key difference between Premises/Operations liability (work in progress) and Products-Completed Operations liability (work is finished). - Major exclusions include expected or intended injuries and liability assumed by contract, with a key exception for insured contracts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/5lDqtb8O-4Xt/0A4aIVKWQj2_zKHCtq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/5lDqtb8O-4Xt/1787379223/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0A4aIVKWQj2</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-70-electronic-seal-and-signature-requirements</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 70, Electronic Seal and Signature Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An electronic seal is secure, encrypted data, not just a digital image of your physical seal. - The four essential requirements for a valid electronic seal are that it must be Unique, Verifiable, Attached, and Tamper-evident (U-V-A-T). - Verification of an electronic seal is performed through its underlying digital certificate, not by contacting the notary directly. - Any modification to a document after an electronic seal is applied will render the seal invalid, a key security feature known as tamper-evidence. - Under Arizona law, the notary is solely and strictly responsible for the security of their electronic seal and the credentials used to apply it. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CBr8AdjX_85X/0Q4bIFKWQy2_IIISTI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CBr8AdjX_85X/1787379234/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Q4bIFKWQy2</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-57-pre-analytical-errors-the-60-problem</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 57, Pre-Analytical Errors The 60% Problem</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Pre-analytical errors, which occur before lab testing, account for up to 70% of all lab mistakes and are a major focus on the Phlebotomy exam. - Improper patient identification is the most critical pre-analytical error exam questions will test your ability to follow strict ID protocols without exception. - Hemolysis, the rupture of red blood cells often caused by incorrect collection technique, can falsely elevate analytes like potassium. - Violating the correct order of draw can lead to additive cross-contamination, causing dangerously inaccurate results, such as falsely lowered calcium levels. - Prolonged tourniquet application beyond one minute causes hemoconcentration, and drawing from an arm with an IV requires specific procedures to avoid sample contamination. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/6pnuchiO_SAX/u65GcpfGRj2_NVxntR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/6pnuchiO_SAX/1787379229/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u65GcpfGRj2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-18-agent-acting-as-principal-or-with-other-interest</loc>
    <video:video>
      <video:title>Real Estate Exam California 18, Agent Acting as Principal or With Other Interest</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - California requires written disclosure when a licensee is acting as a principal or has a personal interest in a property transaction. - The disclosure must be provided to all parties as early as possible in the transaction, not just mentioned in the contract fine print. - This duty extends to situations where the agent represents immediate family members or business entities in which they have an ownership interest. - Receiving compensation from more than one party, such as a commission from a seller and a fee from a lender, requires full written disclosure to all parties. - A verbal disclosure is insufficient for the exam material conflicts of interest must always be disclosed in writing to be compliant. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/5Ouextm4E4RB/0k5ac-KGQy2_YhNzRt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/5Ouextm4E4RB/1787379238/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0k5ac-KGQy2</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-34-effects-of-exceeding-maximum-weight</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 34, Effects of Exceeding Maximum Weight</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The absolute, non-waivable maximum takeoff weight for a small UAS under FAA Part 107 is less than 55 pounds. - How increased weight negatively impacts key performance areas like takeoff distance, climb rate, and maneuverability. - The direct relationship between aircraft weight, increased power consumption, and reduced flight endurance. - Why the FAA tests concepts like increased stall speed, even for multirotor drones, in relation to operating at higher weights. - A common exam trap involving cold weather operations and how reduced battery output compounds the dangers of flying a heavy aircraft. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-BfqEr95B44W/0lyWIpKqly2_nPZyyf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-BfqEr95B44W/1787379223/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0lyWIpKqly2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-82-fire-safety-race-and-pass</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 82, Fire Safety RACE and PASS</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The correct sequence of actions in a fire is Rescue, Alarm, Contain, and then Extinguish or Evacuate (RACE). - To properly operate a fire extinguisher, you must follow the PASS method: Pull the pin, Aim at the base of the fire, Squeeze the handle, and Sweep from side to side. - A common exam trap is choosing the wrong priority always rescue patients from immediate danger before pulling an alarm or attempting to fight the fire. - Matching the fire extinguisher class to the type of fire is critical: Class A for paper/wood, Class B for flammable liquids, and Class C for electrical fires. - The mnemonic A is for Ash, B is for Boil, and C is for Current is a simple way to remember the most common fire extinguisher types for your exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/86D4ddCP_4A5/v64WcFKalz2_UkualP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/86D4ddCP_4A5/1787379365/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=v64WcFKalz2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-76-airport-markings-and-traffic-patterns</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 76, Airport Markings and Traffic Patterns</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How runway numbers are derived from their magnetic compass heading by rounding to the nearest ten degrees and dropping the zero. - The five legs of a standard airport traffic pattern: upwind, crosswind, downwind, base, and final. - Why a standard traffic pattern always uses left-hand turns and how the AFOQT tests this critical rule. - The crucial difference between pattern altitude in AGL (Above Ground Level) versus MSL (Mean Sea Level). - A simple mnemonic, Up, Close, Down, Before, Final, to memorize the traffic pattern sequence for test day. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/C6jWox9O78YA/vA4XIFebki2_mNJKjL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/C6jWox9O78YA/1787379372/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vA4XIFebki2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-09-encumbrances-easements-and-liens</loc>
    <video:video>
      <video:title>Real Estate Exam California 09, Encumbrances, Easements, and Liens</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Encumbrances are non-possessory interests that limit title or use, categorized as money (liens) and non-money (easements, restrictions) types. - Lien priority in California is generally set by recording date, but property tax liens are always first, and mechanics liens priority dates back to the start of work. - An easement appurtenant requires a dominant (benefiting) and servient (burdened) property and runs with the land, unlike an easement in gross which benefits a person or entity. - An encroachment is a physical intrusion, like a misplaced fence, whereas a license is revocable, personal permission and not a true encumbrance affecting title. - The exam tests your ability to classify liens as voluntary/involuntary and general/specific based on practical scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/8UbmwtjOEKyA/1k4bdFKqly2_GcVFcT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/8UbmwtjOEKyA/1787379366/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1k4bdFKqly2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-40-mohrs-circle-and-combined-loading</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 40, Mohrs Circle and Combined Loading</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to correctly plot the initial stress state on Mohrs Circle using the NCEES sign convention for shear stress. - The formulas for calculating the circles center (average normal stress) and its radius (maximum in-plane shear stress). - How to determine the principal stresses, which are the maximum and minimum normal stresses, directly from the circles geometry. - The application of the superposition principle for combined loading problems to find the initial stresses needed for Mohrs Circle. - The critical relationship that a rotation of theta on a stress element corresponds to a rotation of 2-theta on Mohrs Circle. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/EPjChvyOB8rA/1Q5qIofrkz2_DwRxey.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/EPjChvyOB8rA/1787379366/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1Q5qIofrkz2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-29-frames-and-machines-multi-force-members</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 29, Frames and Machines Multi-Force Members</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental difference between a frame (a stationary structure) and a machine (a structure with moving parts). - The primary analysis method for these structures: disassembling them at the pins and drawing a Free Body Diagram for each component. - How to apply Newtons Third Law at pin connections, where interaction forces between members are equal and opposite. - The critical shortcut of identifying a two-force member to simplify the direction of unknown forces. - A common exam trap: incorrectly assuming a member is a two-force member when an intermediate load is applied. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Edi8pn0bZK47/vA5WJ_frli2_fUcusE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Edi8pn0bZK47/1787379453/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vA5WJ_frli2</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-99-maintaining-the-journal-as-legal-evidence</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 99, Maintaining the Journal as Legal Evidence</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary journal is official legal evidence admissible in court proceedings under A.R.S. Title 41. - Incomplete or illegible journal entries can destroy a notarys credibility and create personal liability in a legal dispute. - All corrections to a journal entry must be made by striking a single line through the error, adding the correct information, and initialing and dating the change. - The journal must be kept in a locked, secure area under the notarys exclusive control to protect it as a public record. - A notary must surrender their journal only when compelled by a subpoena or court order, and must report a lost or stolen journal to the Secretary of State within ten days. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/7ezuwzbztGtZ/174XdpKbki2_XXYKYG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/7ezuwzbztGtZ/1787379464/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=174XdpKbki2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-94-apostilles-and-document-authentication</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 94, Apostilles and Document Authentication</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That only the Arizona Secretary of State can issue an apostille for Arizona-notarized documents. - The notarys role ends with the proper notarization you must refer the signer to the Secretary of State for authentication. - An apostille is used for countries that are members of the Hague Convention, while non-member countries require a multi-step chain authentication process. - The standard fee for an apostille in Arizona is 3 per document, and the original document, not a copy, must be submitted. - A common exam trap is a question that implies the notary is responsible for obtaining or issuing the apostille. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Dxu0sDvbY0zr/1BzaIUfqki2_HzCLRE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Dxu0sDvbY0zr/1787379448/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1BzaIUfqki2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-33-geometry-circles</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 33, Geometry Circles</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To distinguish and apply the circumference (2πr) and area (πr²) formulas, especially when given the diameter. - How to calculate arc length and sector area as fractional parts of a circles circumference and area. - The inscribed angle theorem, stating that an inscribed angle is half the central angle intercepting the same arc. - The critical property that a tangent line is always perpendicular to the radius at the point of tangency. - How to avoid common AFOQT traps, such as confusing the radius with the diameter or mixing up fundamental formulas. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/5tuClnWatKBq/1BzaI-Krlz2_cJOHoF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/5tuClnWatKBq/1787379447/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1BzaI-Krlz2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-29-solving-linear-equations-and-inequalities</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 29, Solving Linear Equations and Inequalities</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to quickly isolate variables in single-variable linear equations by reversing the order of operations. - The substitution method for efficiently solving systems of two-variable linear equations. - The single most important rule for solving inequalities and a common exam trap associated with it. - A step-by-step process to solve multi-step AFOQT-style inequality problems in under 30 seconds. - A memorable phrase to ensure you never forget to flip the inequality sign when multiplying or dividing by a negative number. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BxqiBzqys0q6/1lzHc-frky2_tALcTg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BxqiBzqys0q6/1787379448/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1lzHc-frky2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-18-percent-and-percent-change-traps</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 18, Percent and Percent-Change Traps</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to correctly calculate percent change using the (New - Old) / Old formula. - Why successive percentage changes, like a 20% increase followed by a 20% decrease, do not cancel each other out and result in a net loss. - The correct order of operations for AFOQT problems that involve applying both a discount and a sales tax to an original price. - How to identify and solve the common exam trap involving a percentage increase followed by an identical percentage decrease. - A simple mnemonic, New minus Old, over Old were told, to remember the percent change formula under exam pressure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Eej4cFWztGWB/1R5HIVKakz2_ChaVnm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Eej4cFWztGWB/1787379463/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1R5HIVKakz2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-33-property-tax-proposition-13-and-proposition-19</loc>
    <video:video>
      <video:title>Real Estate Exam California 33, Property Tax, Proposition 13, and Proposition 19</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Proposition 13 establishes a base-year value and limits annual property tax increases to 1% of assessed value and a 2% maximum annual adjustment. - The function of a supplemental tax bill, which is issued following a sale to cover the difference between the old and new assessed values mid-year. - The difference between the general tax levy and special assessments like Mello-Roos, which are not subject to Prop 13s 1% limit. - The key portability benefits of Proposition 19, allowing homeowners over 55 to transfer their tax base to a new primary residence anywhere in California. - How the Homeowners Exemption reduces the assessed value by 7,000 for an owner-occupied principal residence. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9euuczrz6SZ4/0A5rcpLHlP2_LBdGBn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/9euuczrz6SZ4/1787379751/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0A5rcpLHlP2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-55-earth-and-space-science</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 55, Earth and Space Science</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The official eight planets of our solar system and why Plutos 2006 reclassification as a dwarf planet is a common AFOQT exam trap. - The correct order of Earths atmospheric layers from the ground up: troposphere, stratosphere, mesosphere, and thermosphere, along with their key functions. - How to use the mnemonic My Very Educated Mother Just Served Us Noodles to quickly recall the planetary order during the test. - The fundamental concept of plate tectonics, specifically that the lithosphere moves on top of the asthenosphere, causing geologic events. - The continuous transformation process of the rock cycle, detailing how igneous, sedimentary, and metamorphic rocks are formed and recycled. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Etb4pDfr_Olr/0kyGdFfbRO2_SciwTH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Etb4pDfr_Olr/1787379746/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0kyGdFfbRO2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-47-sdi-strategy-honest-use-full-range-dont-game</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 47, SDI Strategy Honest, Use Full Range, Dont Game</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the AFOQT Self-Description Inventory (SDI) is a 240-question personality assessment, not a traditional pass/fail test. - Why honesty is the most critical strategy, as the test contains validity scales to detect inconsistent or fake responses. - The importance of using the full answer range, from Strongly Disagree to Strongly Agree, to avoid appearing indecisive. - How trying to project a fake ideal officer profile often leads to contradictory answers that raise red flags. - To use the mnemonic Your true north is your best score to remember that authentic self-representation is the best approach. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9dbiED0i7OR5/0Q4qJpLaR52_WpQnkE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/9dbiED0i7OR5/1787379735/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Q4qJpLaR52</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-44-plasma-vs-serum-key-differences</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 44, Plasma vs Serum Key Differences</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental difference: Plasma contains fibrinogen because clotting is prevented with an anticoagulant, while serum lacks fibrinogen because the blood has clotted. - Why plasma from an anticoagulated tube (e.g., green top) is essential for STAT tests to ensure a rapid turnaround time, avoiding the 30-60 minute wait for a serum sample to clot. - How to identify the correct tube for each sample type: Anticoagulant tubes like lavender, green, or light blue tops yield plasma, whereas tubes with clot activators or no additives, such as red or gold SSTs, yield serum. - That specific tests require a specific sample for example, coagulation studies (PT/INR) must use plasma to measure clotting factors, while other chemistry tests may require serum to avoid anticoagulant interference. - A helpful mnemonic to remember the difference: Plasma Prevents Clotting, Serum Settles After. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/EeCSspbj6W67/u64HJFerR52_tJzlub.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/EeCSspbj6W67/1787379755/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u64HJFerR52</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-24-jurats-and-verifications-upon-oath</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 24, Jurats and Verifications Upon Oath</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The absolute requirement for a signer to sign the document in the notarys presence for a Jurat, a common exam trap. - The critical difference between a Jurat (swearing to the truth of contents) and an Acknowledgment (verifying a signatures authenticity). - The maximum fee for a Jurat in Arizona is 10 per notarial act, a frequently tested detail. - The correct verbal procedure for administering an oath or affirmation, which requires an affirmative verbal response. - How to identify the specific certificate wording for a Jurat, which includes the phrase Subscribed and sworn to before me. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ztniFjLyFOc5/0Ayrd_KbR52_ERLBVo.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ztniFjLyFOc5/1787379743/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Ayrd_KbR52</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-68-mortgagee-loss-payee-and-additional-insured</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 68, Mortgagee, Loss Payee, and Additional Insured</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between property rights (Mortgagee, Loss Payee) and liability protection (Additional Insured). - Why a Mortgagee has the strongest rights and gets paid even if the insured commits fraud. - The distinction between a standard Loss Payee and a Lenders Loss Payable clause for personal property. - When to use an Additional Insured endorsement to extend liability coverage to another party, like a landlord. - How Additional Interest is a distractor term on the exam, offering no actual coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9xDGtDrj_4Qs/0ByHIpKWkO2_eVGhiQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/9xDGtDrj_4Qs/1787379727/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0ByHIpKWkO2</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-67-claims-handling-and-loss-investigation</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 67, Claims Handling and Loss Investigation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical steps in the insurance claims process, from First Notice of Loss to Settlement. - The crucial difference between salvage (recovering property) and subrogation (recovering from a third party). - Why producers and adjusters must avoid making unauthorized promises about claim payments. - The purpose and function of a claim reserve in ensuring an insurers financial stability. - Key duties of a claims adjuster, including investigation, documentation, and communication. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/_qqatnKqAGtZ/ul5WdpLGl52_znXCqw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/_qqatnKqAGtZ/1787379748/index.m3u8</video:content_loc>
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      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-71-informed-consent-and-refusal</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 71, Informed Consent and Refusal</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Implied consent is sufficient for routine venipuncture and is demonstrated by a patients actions, such as extending their arm. - Explicit consent, either verbal or written, is mandatory for more invasive procedures like an Arterial Blood Gas (ABG) draw or blood donation. - A competent patient has the absolute right to refuse a blood draw at any point in the process, even after initially agreeing. - When a patient refuses, the phlebotomists primary responsibilities are to stop the procedure, accurately document the refusal, and immediately notify the nurse or physician. - For minor patients, consent must typically be obtained from a parent or legal guardian, a foundational principle often tested on certification exams. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>205</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-45-self-description-inventory-what-it-measures</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 45, Self-Description Inventory What It Measures</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the Self-Description Inventory (SDI) is a 240-item, 45-minute personality test on the AFOQT. - The SDI does not impact your main AFOQT composite scores but is reviewed separately by selection boards. - It measures personality traits that align with the Big Five model to assess officer suitability. - The biggest trap is answering inconsistently, as built-in validity scales will flag attempts to manipulate the results. - A helpful mnemonic for key traits is LICE: Leadership, Integrity, Conscientiousness, and Emotional Stability. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u74GdULaR52</video:player_loc>
      <video:duration>204</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-20-latitude-longitude-and-chart-scale</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 20, Latitude, Longitude, and Chart Scale</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To differentiate latitude (flat, east-west lines measuring north-south) from longitude (long, north-south lines measuring east-west). - The method for reading degrees and minutes on a sectional chart to pinpoint a locations coordinates for an exam question. - To understand the 1:500,000 scale on a VFR sectional chart and its real-world translation to nautical and statute miles. - The practical steps for measuring distance between two points using the plotter scale provided in the FAA testing supplement. - How to avoid common exam traps, such as confusing nautical miles with statute miles when answering distance questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/9MD0ozbaE0QX/ulyXdVerRP2_ERwfkV.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ulyXdVerRP2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-81-air-quality-naaqs-pollutants-and-plume-dispersion</loc>
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      <video:title>FE Civil Exam Prep 81, Air Quality NAAQS Pollutants and Plume Dispersion</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The six NAAQS criteria pollutants are Ozone (O₃), Particulate Matter (PM₂.₅/PM₁₀), Carbon Monoxide (CO), Nitrogen Dioxide (NO₂), Sulfur Dioxide (SO₂), and Lead (Pb). - Primary NAAQS are designed to protect human health, while secondary standards protect public welfare, such as crops and visibility. - The Gaussian plume model, found in the NCEES FE Reference Handbook, is used to calculate downwind pollutant concentrations. - A common exam trap is confusing the effective stack height (H), which includes plume rise, with the physical stack height (h). - Atmospheric stability classes (A-F) determine the plumes dispersion coefficients (σy, σz), directly impacting ground-level pollution concentration. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>206</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-34-probate-foreclosure-and-court-supervised-transfers</loc>
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      <video:title>Real Estate Exam California 34, Probate, Foreclosure, and Court-Supervised Transfers</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to calculate the minimum overbid in a California probate sale using the statutory formula. - The critical difference between the right of reinstatement and the right of redemption in a nonjudicial foreclosure. - The specific timeline for a California trustee sale, including the 90-day period after a Notice of Default and the 21-day period after a Notice of Sale. - Why there is no statutory right of redemption for the borrower after a nonjudicial trustees sale in California. - The definition of REO (Real Estate Owned) property and how it is created when a property fails to sell at a foreclosure auction. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>205</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-67-standard-vs-transmission-based-precautions</loc>
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      <video:title>Phlebotomy Exam Prep 67, Standard vs Transmission-Based Precautions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Standard Precautions are the universal baseline applied to every patient, assuming all body fluids are infectious. - Transmission-Based Precautions (Contact, Droplet, Airborne) are additional measures used for known or suspected infections. - Contact Precautions, for pathogens like MRSA and C. diff, require a gown and gloves. - Droplet Precautions, for illnesses like influenza, require a surgical mask when working within three feet of the patient. - Airborne Precautions, for diseases like tuberculosis and measles, mandate a fit-tested N95 respirator and a negative-pressure room. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1QyWIpLrQ42</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-49-document-language-notary-must-be-able-to-communicate-directly-with</loc>
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      <video:title>Arizona Notary Exam Prep 49, Document Language Notary Must Be Able to Communicate Directly with...</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An Arizona notary may notarize a signature on a document in a foreign language they cannot read. - The notarial certificate must always be completed in English or a language the notary fully understands. - While direct communication between the notary and signer is preferred, Arizona law now permits the use of a translator. - A translator, if used, must be physically present with both the signer and the notary during the entire notarial act. - The mnemonic Direct talk or they walk helps recall the fundamental need for clear communication to ensure a valid notarization. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-40-signing-in-your-commissioned-name</loc>
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      <video:title>Arizona Notary Exam Prep 40, Signing in Your Commissioned Name</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Your official notary signature must perfectly and exactly match the name on your Arizona commission certificate. - Using nicknames, informal variations, or different initials is strictly prohibited when signing a notarial certificate. - You must notify the Arizona Secretary of State of any legal surname change within 30 days as required by statute. - After a name change, you must follow specific statutory procedures, such as signing both your new and former names, until you are issued a new commission. - Remember the rule: Sign the Line, Match the File to ensure your signature always corresponds with your official commission. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BFaWlnba3Klt/164qdUfGQ42_jGCYiv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BFaWlnba3Klt/1787379958/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=164qdUfGQ42</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-54-crime-insurance-basics</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 54, Crime Insurance Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between burglary (forced entry into a premises) and robbery (theft from a person by force or threat). - Why theft is the broadest term for any act of stealing and is an important distinction for exam questions. - How Employee Dishonesty coverage, also known as a fidelity bond, specifically protects an employer from fraudulent acts by its own employees. - The distinction between Computer Fraud (using a computer to steal) and Funds Transfer Fraud (tricking a financial institution into wiring money). - How Forgery or Alteration coverage applies to the fraudulent signing or changing of financial instruments like checks and drafts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/8Te8wpXy2Siz/1787380057/index.m3u8</video:content_loc>
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      <video:duration>206</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-82-powers-of-attorney-multiple-types</loc>
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      <video:title>Arizona Notary Exam Prep 82, Powers of Attorney Multiple Types</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The absolute requirement for a principal to be of sound mind and competent at the time of signing any Power of Attorney in Arizona. - How a Durable POA differs from a General POA, specifically that it remains effective after the principal becomes incapacitated, as outlined in A.R.S. 14-5501. - The distinct and separate purposes of a Health Care POA, which covers medical decisions, versus a financial POA for property or business matters. - Key reasons a notary must refuse to notarize a POA, including suspected coercion or lack of understanding from the signer. - The specific requirement in Arizona for a POA to be signed by the principal and a witness in the presence of a notary, and who is disqualified from being that witness. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>206</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-44-mello-roos-hoa-and-special-disclosures</loc>
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      <video:title>Real Estate Exam California 44, Mello-Roos, HOA, and Special Disclosures</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That sellers must disclose if a property is in a Mello-Roos district, which has special taxes for infrastructure. - The requirement for sellers to provide a comprehensive package of HOA documents, including financials and governing rules. - That all known material facts, even repaired past issues, must be revealed on the Transfer Disclosure Statement (TDS). - The federal mandate to provide a lead-based paint disclosure for homes built before 1978. - That California requires disclosures for smoke detectors, carbon monoxide detectors, and water heater bracing. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DPCKtluyZSHZ/vRzWdVeqQ42_xRznTq.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vRzWdVeqQ42</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-1-risk-peril-hazard-and-loss</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 1, Risk, Peril, Hazard, and Loss</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Risk is the uncertainty of loss only pure risk (loss or no loss) is insurable, not speculative risk (chance of gain or loss). - A peril is the direct cause of a loss, such as fire or wind. - A hazard increases the chance of a loss and can be physical (icy roads), moral (dishonesty), or morale (carelessness). - A direct loss is the physical damage itself, while an indirect loss is the financial consequence, like lost income. - Exam questions often use homeowner, auto, and commercial scenarios to test the distinctions between these core concepts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vlzbdEfrQP2</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-16-discard-tube-requirements</loc>
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      <video:title>Phlebotomy Exam Prep 16, Discard Tube Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A discard tube is required for a light blue (coagulation) top tube when it is the first or only tube drawn with a straight needle to clear tissue thromboplastin. - When using a winged (butterfly) collection set, a discard tube must be drawn before a light blue top tube if it is the first tube in the sequence. - The purpose of the discard tube with a butterfly needle is to purge the air from the tubing, ensuring a proper 9-to-1 blood-to-anticoagulant ratio. - Discard tubes are generally not required for routine chemistry or hematology tubes when they are drawn first. - Remember the mnemonic: Blue needs a buddy when its first in line or using a butterfly to recall the two key scenarios requiring a discard tube. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/A5mqdjer3GkZ/1BzrdFLbRP2_khPSBJ.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1BzrdFLbRP2</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/free-low-voltage-contractor-practice-tests-by-state-2026</loc>
    <video:video>
      <video:title>Free Low Voltage Contractor Practice Tests by State (2026)</video:title>
      <video:description>Choose a state-focused low voltage practice route, then match your study plan to the exact license scope, regulator, exam bulletin, code edition, and local rules that apply in 2026. Read the full guide: https://open-exam-prep.com/blog/free-low-voltage-contractor-practice-test-by-state-2026 Timestamps: 0:00 - Introduction 0:07 - Scene 1 0:44 - Scene 2 1:23 - Scene 3 1:59 - Scene 4 2:31 - Scene 5 3:05 - Scene 6 3:39 - Next steps</video:description>
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      <video:duration>242</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-92-stat-vs-routine-priority-handling</loc>
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      <video:title>Phlebotomy Exam Prep 92, STAT vs Routine Priority Handling</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference in turnaround time between a STAT and Routine blood draw. - How to prioritize collections when receiving STAT, ASAP, Timed, and Routine orders simultaneously. - Why precise timing is non-negotiable for tests like Glucose Tolerance Tests and therapeutic drug monitoring. - Common exam traps involving situational judgment and conflicting order priorities. - The importance of visible flagging and special handling for transporting STAT specimens to the lab. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>208</video:duration>
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  <url>
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    <video:video>
      <video:title>AFOQT Exam Prep 72, Three Axes and Three Rotations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The lateral axis runs wingtip-to-wingtip, governing pitch (nose up/down) via the elevators. - The longitudinal axis runs from the aircrafts nose to its tail, controlling roll (banking) through the ailerons. - The vertical axis runs from the top to the bottom of the fuselage, managing yaw (nose left/right) with the rudder. - AFOQT questions test your ability to precisely link the correct axis, movement, and control surface together. - A common exam trap is confusing the side-to-side nose movement of yaw with the banking motion of a roll. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>207</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-67-effective-stress-principle</loc>
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      <video:title>FE Civil Exam Prep 67, Effective Stress Principle</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental effective stress equation is: Effective Stress (σ) = Total Stress (σ) - Pore Water Pressure (u). - Total stress represents the weight of all materials (soil and water) above a point, calculated by summing the unit weight times the thickness for each layer. - Pore water pressure is the pressure from the column of water above a point and is only non-zero below the water table. - A soils strength and consolidation behavior are governed by effective stress, which is the stress transferred between soil particles, not by total stress. - A common exam trap is capillary rise, where water is drawn above the water table, creating negative pore pressure (suction) and increasing the effective stress. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>208</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-21-homeowners-exclusions</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 21, Homeowners Exclusions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why catastrophic perils like flood and earth movement are excluded and require separate policies. - The difference between covered sudden and accidental damage versus excluded gradual wear and tear or neglect. - That the Ordinance or Law exclusion applies to the increased cost of rebuilding to code, not the initial loss itself. - How the location of a power failure (on-premises vs. off-premises) determines if a resulting loss is covered. - That homeowners policies exclude business-related risks, which require commercial coverage or a specific endorsement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-45-hydrostatic-pressure-on-submerged-surfaces</loc>
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      <video:title>FE Civil Exam Prep 45, Hydrostatic Pressure on Submerged Surfaces</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The resultant hydrostatic force on a submerged plane is calculated using the pressure at the areas centroid. - The center of pressure, where the resultant force acts, is always located at a point deeper than the centroid of the area. - How to distinguish between vertical depth (hc) and inclined distance (yc) to the centroid, a common source of error on the exam. - For curved surfaces, forces must be resolved into separate horizontal and vertical components for analysis. - The vertical force component on a submerged curved surface is equal to the weight of the fluid column directly above it. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>North Carolina CNA Exam Guide 2026: NA I &amp;amp; NA II Requirements Explained</video:title>
      <video:description>Get the complete 2026 guide for the North Carolina CNA exam. This video breaks down the differences between Nurse Aide I (NA I) and Nurse Aide II (NA II), covering the NA I exam format, 23 official skills, fees, and training hours. We also explain the separate 160-hour path for the NA II credential. Avoid common mistakes and prepare with confidence. All facts are based on current Credentia and NCBON information. Practice for the NC NA I exam for free: https://open-exam-prep.com/practice/nc-cna Full blog guide: https://open-exam-prep.com/blog/north-carolina-cna-exam-guide-2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:36 - Scene 2 1:04 - Scene 3 1:33 - Scene 4 2:03 - Scene 5 2:35 - Scene 6 3:06 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CNA Study Guide 2025-2026: Complete Review + 560 Questions and Detailed Answer Explanations for the Certified Nursing Assistant Exam (8 Full-Length Exams): https://www.amazon.com/dp/1998805441?tag=openexamprep-20 - CNA Ultimate Study Guide 2025 - 2026: Your Comprehensive Study Companion with Strategies and Practice Tests to Ace the Certified Nursing Assistant Exam: https://www.amazon.com/dp/B0DWN24HZK?tag=openexamprep-20</video:description>
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      <video:title>Property &amp;amp; Casualty Exam Prep 52, Workers Compensation Policy Parts</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Part One provides statutory, unlimited benefits as required by state law. - Part Two covers employer lawsuits and has specific policy limits. - Other States Insurance applies to incidental exposures in listed states, excluding monopolistic ones. - Voluntary Compensation endorsements cover employees who are exempt from mandatory coverage. - Why benefits under Part One are dictated by law, while Part Two liability coverage requires limits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>208</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-35-allen-test-procedure</loc>
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      <video:title>Phlebotomy Exam Prep 35, Allen Test Procedure</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Allen test assesses collateral circulation via the ulnar artery before a radial artery puncture. - A positive result, where the palm pinks up in 5-15 seconds after releasing ulnar pressure, indicates it is safe to proceed. - A negative result, where the hand remains pale, is a contraindication for using the radial artery on that arm. - Exam questions often test the correct interpretation of positive vs. negative results and the appropriate next action. - The term Modified Allen Test is the standard procedure tested on the exam, involving the release of the ulnar artery first. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>208</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-28-exponents-and-radicals-laws-and-simplification</loc>
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      <video:title>AFOQT Exam Prep 28, Exponents and Radicals Laws and Simplification</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To simplify expressions, you must master the core exponent laws: product, quotient, and power-to-a-power. - A negative exponent signifies taking the reciprocal of the base, not making the base negative. - Radicals can be converted to fractional exponents to simplify complex, multi-step problems. - The key to simplifying radicals is to factor out perfect squares from the radicand. - Use the conjugate pair to rationalize a denominator that contains a binomial with a radical. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>207</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-80-bod-cod-do-sag-streeter-phelps</loc>
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      <video:title>FE Civil Exam Prep 80, BOD, COD, DO Sag, Streeter-Phelps</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key difference between BOD (Biochemical Oxygen Demand) and COD (Chemical Oxygen Demand) for exam purposes. - How to conceptually understand the Dissolved Oxygen (DO) sag curve resulting from wastewater discharge. - The roles of the deoxygenation (kd) and reaeration (kr) rates in the Streeter-Phelps equation. - How to correctly calculate the initial oxygen deficit (D₀), a common source of error on the exam. - A mnemonic to distinguish between the two primary rate constants in the DO sag model. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-67-block-counting-counting-the-6-faces-systematically</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 67, Block Counting Counting the 6 Faces Systematically</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To master the Block Counting subtest by systematically checking each of the target blocks six faces: top, bottom, front, back, left, and right. - How to accurately infer contact with hidden blocks on the back and bottom faces based on the piles structure, a common exam challenge. - To avoid common traps like miscounting corner or edge blocks, which have fewer touching faces than interior blocks. - That your Block Counting performance is a key component of the Pilot and Combat Systems Officer (CSO) composite scores on the AFOQT. - The mnemonic Top, Bottom, Front, Back, Left, Right... Count em all and get it right to ensure a thorough and accurate count under time pressure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>209</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-54-chemistry-basics-states-ph-reactions</loc>
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      <video:title>AFOQT Exam Prep 54, Chemistry Basics States, pH, Reactions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to distinguish between the four states of matter: solid, liquid, gas, and plasma. - The definitions of the six phase changes, including common exam examples like sublimation. - How to interpret the 0-14 pH scale to identify acids, bases, and neutral substances. - The critical concept that each unit on the pH scale represents a tenfold change in acidity. - Examples of common acids (HCl, H2SO4) and bases (NaOH, NH3) you might see on the test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>210</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-52-cannot-advertise-as-notario-publico-without-disclaimer</loc>
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      <video:title>Arizona Notary Exam Prep 52, Cannot Advertise as Notario Publico Without Disclaimer</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The legal basis for the Notario Publico advertising restriction in Arizona is A.R.S. 41-273. - This rule exists to prevent confusion with the role of a notario in many Latin American countries, who is a licensed attorney. - Any non-attorney notary advertising with the term notario must include a specific, verbatim disclaimer stating they are not an attorney and cannot give legal advice. - Exam questions will test this with scenarios requiring you to identify compliant versus non-compliant advertisements. - Violating this statute is a serious offense resulting in permanent commission revocation, civil penalties, and a class 6 felony charge. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>209</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-22-special-use-airspace-prohibited-restricted-moas</loc>
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      <video:title>FAA Part 107 Drone Exam Prep 22, Special Use Airspace Prohibited, Restricted, MOAs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The absolute prohibition of flying in Prohibited Areas (P-) for Part 107 operators and why there are no exceptions. - How to determine if a Restricted Area (R-) is active by checking sectional chart notes and the requirement to get permission from the controlling agency. - The critical exam distinction between MOAs and Restricted Areas: entry into an MOA is allowed but requires extreme caution, while entry into an active Restricted Area is forbidden without permission. - How to identify these five types of Special Use Airspace on a sectional chart using their hatched borders and alphanumeric identifiers. - The mnemonic Please Remember Why My Alerts matter to recall the rules for Prohibited, Restricted, Warning, MOA, and Alert Areas. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>209</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-12-government-powers-and-land-use-controls</loc>
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      <video:title>Real Estate Exam California 12, Government Powers and Land Use Controls</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four government powers over private property, easily remembered by the mnemonic P.E.T.E. (Police Power, Eminent Domain, Taxation, Escheat). - How police power is the basis for most land use controls, including zoning and building codes, and is not about law enforcement. - The hierarchy of land use documents in California, with the General Plan serving as the blueprint that all zoning ordinances must conform to. - The key differences between a nonconforming use (grandfathered in), a variance (a hardship-based exception), and a conditional use permit (granted for public benefit). - The critical exam rule for conflicts between public zoning and private CC&amp;amp;Rs: the stricter of the two rules must always be followed. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-ReOBBvW-W4y/vcWzJUKGlj2_ZvPQbw.jpg</video:thumbnail_loc>
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      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-12-other-insurance-and-subrogation</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 12, Other Insurance and Subrogation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Other Insurance clause prevents an insured from profiting from a loss by ensuring multiple policies share the cost proportionally. - Primary coverage pays first up to its limit, while excess coverage only pays after the primary policys limits are completely exhausted. - Subrogation is the insurers right to sue the at-fault party to recover the amount it paid for a claim, which prevents the insured from collecting twice for the same loss. - An insured has a duty to protect the insurers subrogation rights and cannot waive them or otherwise impair recovery after a loss has occurred. - A Waiver of Subrogation is a contractual agreement made before a loss that prevents the insurer from seeking recovery from a specific third party, commonly used in leases. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>209</video:duration>
    </video:video>
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  <url>
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    <video:video>
      <video:title>FE Civil Exam Prep 47, Continuity, Bernoulli, and Momentum</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Continuity Equation (A1V1 = A2V2) applies to incompressible flow and shows how fluid velocity must increase as the cross-sectional area decreases. - Bernoullis equation is a statement of energy conservation for an ideal fluid, balancing pressure head, velocity head, and elevation head, but it is only valid for steady, incompressible, and frictionless flow. - The Momentum Equation (F = ρQΔV) is used to calculate forces exerted by moving fluids, such as on pipe bends or vanes, and requires vector analysis. - A common exam trap is misapplying Bernoullis equation where friction is present in such cases, the full Energy Equation with a head loss term is necessary. - Remember that velocity and force in the Momentum Equation are vectors always break the problem down into x and y components to solve for resultant forces correctly. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/84jCsnqX_S7z/1YrOJVLHki2_VMnmQV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/84jCsnqX_S7z/1787381592/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1YrOJVLHki2</video:player_loc>
      <video:duration>209</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-27-weather-sources-where-to-get-a-briefing</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 27, Weather Sources Where to Get a Briefing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three primary, FAA-approved sources for obtaining a legal weather briefing (1-800-WX-BRIEF, aviationweather.gov, 1800wxbrief.com). - Why common sources like TV news and general weather apps are not acceptable for official pre-flight briefings. - The specific purposes and timing for requesting a Standard, Abbreviated, or Outlook weather briefing. - How Electronic Flight Bag (EFB) apps are treated and why the underlying data source is what matters for compliance. - A simple mnemonic to remember the official sources and avoid common exam traps related to weather information. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BSjCtneWFKt4/vYrzJUfGlj2_WpczFB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BSjCtneWFKt4/1787381576/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vYrzJUfGlj2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-exam-prep-24-work-energy-theorem-and-conservation-of-energy</loc>
    <video:video>
      <video:title>FE Exam Prep 24, Work-Energy Theorem and Conservation of Energy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Work-Energy Theorem states that the net work performed on an object is equal to its change in kinetic energy (Wnet = ΔKE). - How to apply the full conservation of energy equation, including non-conservative forces like friction (KE₁ + PE₁ + Wother = KE₂ + PE₂). - Why defining a consistent zero-potential energy reference point, or datum, is a critical first step in solving energy problems. - That the work done by friction is always a negative value, as it removes energy from the system, and is calculated as Wfriction = -μk N d. - On an inclined plane, the normal force (N) is a component of the objects weight, calculated as N = mgcos(θ), which is crucial for finding the friction force. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-7iyAlbPB4rr/vcXzd_LXkz2_fXPokS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-7iyAlbPB4rr/1787381555/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcXzd_LXkz2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-69-enotary-registration</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 69, eNotary Registration</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That eNotary registration is a separate authorization required from the Arizona Secretary of State and is not included in a standard commission. - The critical difference between eNotarization (signer is physically present) and Remote Online Notarization (RON) (signer appears via audio-visual technology). - That the application process requires selecting a state-approved technology vendor but does not require an additional state fee or bond. - Why performing an electronic notarization without the specific eNotary registration is a prohibited act, even if the signer is physically present. - That Arizona notaries have the flexibility to be paper-only, or add eNotary, RON, or both authorizations to their commission. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/z4nmgDaP-0ZY/1ZrjcoLrky2_saVapu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/z4nmgDaP-0ZY/1787381574/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1ZrjcoLrky2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-64-phase-diagrams-void-ratio-saturation-unit-weights</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 64, Phase Diagrams Void Ratio, Saturation, Unit Weights</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three-phase soil diagram (solids, water, air) is the foundation for all geotechnical weight-volume problems on the FE Civil exam. - How to master the critical difference between void ratio (e = Vv/Vs) and porosity (n = Vv/Vtotal), a common exam trap. - Why the relationship Se = wGs is a powerful shortcut for solving for an unknown variable when three of the four properties are given. - How to calculate the three primary unit weights: dry (γd), saturated (γsat), and moist (γ), and know which formulas from the NCEES handbook to apply. - That the submerged unit weight (γ) is simply the saturated unit weight minus the unit weight of water, a key input for effective stress calculations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/AsuOEz8rsK6W/1Jr5d_Lqkj2_dkEwSA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/AsuOEz8rsK6W/1787381677/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1Jr5d_Lqkj2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-62-reading-the-compass-heading-indicator</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 62, Reading the Compass Heading Indicator</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The number at the top of the heading indicator under the lubber line represents the aircrafts current heading. - How to quickly identify cardinal (N, S, E, W) and intermediate (NE, SE, SW, NW) directions on the indicator. - To match the heading indicators value to the correct aircraft silhouette, where North is up, South is down, East is right, and West is left. - Common exam traps include focusing on numbers not at the top of the dial and misinterpreting reciprocal headings. - The mnemonic Top number tells the nose where it goes is a simple way to remember the core concept during the timed exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CfCWElSzY06r/1dqiJUeGly2_upbCBc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CfCWElSzY06r/1787381689/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1dqiJUeGly2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-exam-prep-23-kinematics-constant-acceleration-and-projectile-motion</loc>
    <video:video>
      <video:title>FE Exam Prep 23, Kinematics Constant Acceleration and Projectile Motion</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to break down projectile motion problems into independent horizontal and vertical components. - The critical mistake of using the standard range formula for uneven ground and how to correctly solve for time of flight. - To apply the three fundamental constant acceleration equations found in the NCEES FE Reference Handbook. - How to identify common exam traps, such as incorrectly calculating total flight time or misusing sign conventions for acceleration. - The definition and application of the relative velocity equation for solving kinematics problems involving multiple moving objects. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/yviiljCzw0sy/1ZWOJ-LXly2_VqOjYS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/yviiljCzw0sy/1787381677/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1ZWOJ-LXly2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-16-class-b-airspace-where-and-why</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 16, Class B Airspace Where and Why</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to identify Class B airspace on a sectional chart by its solid blue lines. - The meaning of the upside-down wedding cake structure and how to read its altitude floors and ceilings in MSL. - The absolute requirement for FAA authorization, primarily through LAANC, before any drone operation within Class B airspace. - How UAS Facility Maps dictate the maximum pre-approved flight altitudes for LAANC authorizations. - Common exam traps, including the critical difference between MSL and AGL altitudes and misidentifying airspace boundaries. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/8vmWFBCixOrA/vZqzcVfHlz2_HLphOK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/8vmWFBCixOrA/1787381689/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vZqzcVfHlz2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-60-producer-authority-and-agency-law</loc>
    <video:video>
      <video:title>Property &amp;amp; Casualty Exam Prep 60, Producer Authority and Agency Law</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The roles of the insurer, producer, applicant, and insured in an insurance transaction. - The difference between express authority (written), implied authority (necessary), and apparent authority (perceived by the public). - How a producers actions under apparent authority can legally bind the insurer, even if unauthorized. - A producers fiduciary duties, including the strict prohibition against commingling premium funds. - Common exam traps that test the distinctions between the three types of agent authority. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/F0qOgD4qxWs5/uIqOdFeaQ42_gisaCi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/F0qOgD4qxWs5/1787381838/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uIqOdFeaQ42</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-83-chemical-safety-data-sheets-sds</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 83, Chemical Safety Data Sheets (SDS)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the Globally Harmonized System (GHS) standardized the old MSDS into the current 16-section SDS format. - The critical importance of locating and consulting the SDS before responding to a chemical spill or exposure. - How to identify key information in an SDS, particularly in sections on hazards (2), first aid (4), spill response (6), and PPE (8). - Recognizing common GHS hazard pictograms, such as the health hazard, flame, and skull and crossbones, and what they signify. - Common exam traps, including the MSDS vs. SDS terminology and questions about the immediate accessibility of SDS in the workplace. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CWyGxjCqt0Wt/0cqPJ-KqQ42_BhpHiv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CWyGxjCqt0Wt/1787381838/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0cqPJ-KqQ42</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-51-open-channel-flow-mannings-equation</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 51, Open Channel Flow Mannings Equation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Mannings equation has two forms the 1.49 constant must only be used for US Customary units, while SI units use a constant of 1.0. - How to correctly calculate the hydraulic radius (R) as the flow area (A) divided by the wetted perimeter (P), ensuring not to include the top water surface in the perimeter. - To anticipate exam questions that require rearranging Mannings equation, often combined with Q = VA, to solve for variables like slope (S) or normal depth (y). - That the Mannings roughness coefficient (n) is an empirical value based on channel material that will be provided or found in a table in the NCEES handbook. - The critical difference between normal depth (calculated with Mannings equation for uniform flow) and critical depth (related to minimum specific energy and Froude number = 1), a common source of confusion on the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/-Ka8djmjsGrt/0IXOIpKbRO2_raNRGn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/-Ka8djmjsGrt/1787381818/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0IXOIpKbRO2</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/arizona-notary-exam-prep-51-cannot-give-legal-advice-or-prepare-documents-upl</loc>
    <video:video>
      <video:title>Arizona Notary Exam Prep 51, Cannot Give Legal Advice or Prepare Documents UPL</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That engaging in the Unauthorized Practice of Law (UPL) as an Arizona notary is a class 6 felony, resulting in permanent commission revocation. - The strict prohibition on explaining a documents legal meaning, advising on its effects, or helping to draft or complete it. - How to correctly respond when a signer asks you to choose between an acknowledgment and a jurat by explaining the acts without recommending one. - The legal ban on using the term notario publico if you are not an attorney and the specific disclaimer required for foreign language advertising. - How to recognize exam traps that tempt you to be helpful but would cause you to cross the line into providing unauthorized legal advice. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/60iCdnSqs4ZB/0sr5I-LaRO2_qYjdgY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/60iCdnSqs4ZB/1787381818/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0sr5I-LaRO2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-13-heparin-green-tube-plasma-chemistry</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 13, Heparin (Green) Tube Plasma Chemistry</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Green-top tubes contain heparin (lithium or sodium) which inhibits thrombin to prevent clotting and yield plasma. - They are ideal for STAT chemistry tests because no clot formation time is needed. - A lithium heparin tube must never be used to measure a patients lithium levels due to sample contamination. - A sodium heparin tube is contraindicated for sodium or electrolyte panel testing for the same reason. - The mnemonic Never test the additive is a crucial mental shortcut for avoiding common exam errors with heparin tubes. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/BZDGFDji3KaB/0cqydUfXQO2_fIqygY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/BZDGFDji3KaB/1787381818/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0cqydUfXQO2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-84-construction-safety-osha-focus-four-and-trenching</loc>
    <video:video>
      <video:title>FE Civil Exam Prep 84, Construction Safety OSHA Focus Four and Trenching</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four leading causes of construction fatalities, known as OSHAs Focus Four, are falls, struck-by, caught-in/between, and electrocution. - Fall protection is required at heights of 6 feet or more, while trenching protective systems are mandatory for depths of 5 feet or greater. - The three OSHA soil classifications (Type A, B, and C) dictate the maximum allowable slopes for excavations, with Type C being the least stable. - A designated competent person must conduct daily inspections of excavations to ensure safety. - Excavated spoil piles must be placed at least 2 feet away from the edge of a trench to prevent collapse. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DfbaADSyFWI5/udX4JVKWQP2_OErILZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DfbaADSyFWI5/1787381935/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=udX4JVKWQP2</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-57-table-reading-finger-tracking-technique</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 57, Table Reading Finger-Tracking Technique</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to use the two-finger tracking technique to master the AFOQT Table Reading subtest. - Why the Table Reading subtest is a test of psychomotor speed, not data interpretation. - To recognize common exam traps, like adjacent-cell values used as incorrect answer choices. - A critical test-day strategy: bubble your answer immediately and do not double-check to maximize speed. - The Lock and Load mnemonic to solidify the finger-tracking process for better retention. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CbnKpjObF4ly/0drzJ_fGQO2_yQKJnp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CbnKpjObF4ly/1787381958/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0drzJ_fGQO2</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/property-casualty-exam-prep-13-appraisal-arbitration-and-assignment</loc>
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      <video:title>Property &amp;amp; Casualty Exam Prep 13, Appraisal, Arbitration, and Assignment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The precise difference between appraisal (for disputes over loss amount) and arbitration (for disputes over coverage). - Why the appraisal process involves two appraisers and an umpire to reach a binding decision on value. - The critical rule of assignment: a policy cannot be transferred to another person without the insurers written consent. - How a mortgagee or loss payees right to a claim payment is fundamentally different from a full policy assignment. - Common exam traps, such as confusing loss payee rights with assignment or using appraisal for coverage disputes. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The sum of the interior angles in any triangle is always 180 degrees. - The Pythagorean theorem, a² + b² = c², applies exclusively to right triangles to find a missing side length. - Similar triangles have proportional sides and identical angles, often tested with shadow or projection problems. - Memorizing the side ratios for special right triangles (1:1:2 for 45-45-90 and 1:3:2 for 30-60-90) is a critical time-saver. - The triangle inequality theorem states any side must be shorter than the sum of the other two, which can help eliminate invalid answer choices. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Property &amp;amp; Casualty Exam Prep 57, Farm, Crop, and Livestock Coverage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That farm policies are hybrid policies combining personal homeowners-style coverage with commercial coverage. - How farm structures like barns (Coverage G) are insured separately from private structures like a personal garage (Coverage B). - The difference between scheduled farm property for specific items (Coverage E) and unscheduled blanket coverage for general items (Coverage F). - That farm liability covers both personal risks (a guest tripping in the house) and commercial farm operations (a cow causing a car accident). - Why growing crops are excluded from standard farm policies and require separate Crop-Hail or federal Multi-Peril Crop Insurance (MPCI). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental difference between in-person electronic notarization and Remote Online Notarization (RON) in Arizona. - To identify the single most important factor that distinguishes RON: the physical location of the signer. - That separate registrations are required with the Arizona Secretary of State to perform remote online notarizations. - How to spot common exam traps that use keywords like electronic to create confusion between the two acts. - A simple mnemonic, RON is Remote, to quickly analyze exam questions and determine the correct type of notarization. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between mass moment of inertia (resistance to rotation) and area moment of inertia (resistance to bending). - How to use NCEES Handbook formulas for common shapes like disks and rods and when to apply the Parallel Axis Theorem. - The correct application of the Parallel Axis Theorem (I = Ic + Md²) for objects rotating about a non-centroidal axis. - Calculating total kinetic energy for a rolling body by combining translational (½mv²) and rotational (½Iω²) components. - Essential unit conversions to avoid exam traps, specifically converting pounds-force (lbf) to slugs and RPM to radians per second. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical two-step skin antisepsis technique involving alcohol and chlorhexidine, emphasizing friction and complete air-drying. - Why two separate venipuncture sites are required for blood culture sets to differentiate between true infection and contamination. - The correct order of inoculationaerobic bottle before the anaerobic bottleand the scientific reason to prevent oxygen exposure. - The importance of collecting the correct blood volume, typically 8-10 mL per bottle for adults, to avoid false-negative results. - The industry standard for blood culture contamination rates (under 3%) and how this is tested as a quality control measure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To calculate composite centroids by treating removed sections as negative areas in the weighted average summation. - The parallel axis theorem, I = Ic + Ad², is essential for finding the moment of inertia of composite shapes, where d is the distance from the components centroid to the overall composite centroid. - That static friction is a variable force up to a maximum (μsN), while kinetic friction is a constant value (μkN) once motion begins. - To always check if the applied force overcomes maximum static friction before applying the kinetic friction formula. - In the belt friction formula, T2/T1 = e(μβ), the wrap angle β must be converted from degrees to radians. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>213</video:duration>
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      <video:description>Stop guessing if youre ready for the Trinidad and Tobago Fire Service entrance exam. This video walks you through a 7-day diagnostic plan that turns practice questions into a powerful error map. Learn how to identify your real weaknesses using six root-cause error codes, prioritize your study time effectively, and use a clean retest to measure real progress. This method, designed for the practice questions at Open Exam Prep, helps you build repeatable skills without relying on a calculator. Find the full article and practice bank at open-exam-prep.com. Full blog guide: https://open-exam-prep.com/blog/trinidad-tobago-fire-service-practice-test-diagnostic-2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:36 - Scene 2 1:07 - Scene 3 1:37 - Scene 4 2:09 - Scene 5 2:39 - Scene 6 3:12 - Next steps</video:description>
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      <video:title>CASAS vs TABE Test Scores Explained (2026 Guide)</video:title>
      <video:description>Confused by your CASAS or TABE test results? This video breaks down the differences between the current CASAS GOALS 2, STEPS, TABE 13&amp;amp;14, and CLAS-E tests for 2026. Learn how scores work, what NRS levels mean, and why theres no national passing score. We cover ABE, ASE, and ESL tests and explain how scores can indicate readiness for exams like the GED and HiSET. Read the full guide on our blog: https://open-exam-prep.com/blog/casas-vs-tabe-2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:36 - Scene 2 1:07 - Scene 3 1:40 - Scene 4 2:14 - Scene 5 2:45 - Scene 6 3:14 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CASAS Test Prep Secrets Study Guide: Exam Review and Practice Questions for the Reading, Math, and Listening Assessments: https://www.amazon.com/dp/1516719409?tag=openexamprep-20 - CASAS Test Prep Study Guide 2025-2026: Reading, Math, Listening &amp;amp; Writing Prep with Practice Tests and Answer Explanations (20252026, Unofficial): https://www.amazon.com/dp/B0FNKP4S5F?tag=openexamprep-20 - TABE Secrets Study Guide: TABE Exam Review for the Test of Adult Basic Education: https://www.amazon.com/dp/1610728858?tag=openexamprep-20</video:description>
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      <video:title>Phlebotomy Exam Prep 73, JCAHO and Patient Safety Goals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Always use at least two patient identifiers, such as full name and date of birth, before every blood draw. - A patients room number is never an acceptable form of identification. - Proper hand hygiene is the most critical action to prevent the spread of healthcare-associated infections. - Critical lab values must be reported immediately to a licensed healthcare provider who can act on the information. - A sentinel event, such as a patient injury from a mislabeled specimen, requires a root cause analysis to prevent future errors. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>215</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Kinetic energy (KE = ½mv²) is the energy of motion and increases by the square of an objects velocity. - Gravitational potential energy (PE = mgh) is stored energy directly proportional to an objects mass and height. - The principle of conservation of energy states that total energy (KE + PE) is constant in a frictionless system, with energy converting between kinetic and potential forms. - Work (W = Fd) is only performed when a force causes displacement in the direction of that force. - Power (P = W/t) is the rate at which work is done, meaning doing the same work faster requires more power. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Cleaning is always the mandatory first step to physically remove visible debris before disinfection or sterilization. - Disinfection eliminates most pathogens from inanimate surfaces but not bacterial spores, and its effectiveness relies on proper contact time. - Sterilization is the only process that destroys all microbial life, including spores, with the autoclave being a key example for critical items. - The difference between disinfectants (for surfaces) and antiseptics (for skin) is a common topic for exam questions. - For blood spills, the standard procedure involves using an EPA-registered disinfectant, such as a 1:10 bleach solution, after initial cleaning. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental relationship of traffic flow is q = uk, where q is flow (veh/hr), u is speed (mph), and k is density (veh/mile). - The Greenshields model provides a linear relationship between speed and density: u = uf(1 k/kj), where uf is free-flow speed and kj is jam density. - Roadway capacity, or maximum flow (qmax), occurs precisely when speed is half the free-flow speed (uf/2) and density is half the jam density (kj/2). - A common exam trap involves recognizing that a single flow rate (other than capacity) can correspond to two different traffic states: one uncongested (high speed, low density) and one congested (low speed, high density). - Use the mnemonic Max flow is at half and half to quickly solve for roadway capacity without complex derivations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Preparing for the in-service ASVAB, the AFCT? Dont get caught by surprise. This guide breaks down the critical differences in AFCT formats, scoring, and retest policies for the Army, Navy, and Marine Corps. Learn why you must verify your test format (paper vs. computer) and understand the specific waiting periods and authorization processes for your branch before you study. Read the full guide with links to official sources: https://open-exam-prep.com/blog/afct-armed-forces-classification-test-exam-guide-2026 AFCT ASVAB Military Army Navy Marines InServiceASVAB Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:37 - Scene 2 1:09 - Scene 3 1:40 - Scene 4 2:12 - Scene 5 2:49 - Scene 6 3:26 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - AFCT Secrets Study Guide: AFCT Test Review for the Armed Forces Classification Test (Mometrix Test Preparation): https://www.amazon.com/dp/1630949930?tag=openexamprep-20 - AFCT Flashcard Study System: AFCT Test Practice Questions &amp;amp; Exam Review for the Armed Forces Classification Test (Cards): https://www.amazon.com/dp/1630949949?tag=openexamprep-20</video:description>
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      <video:title>Arizona Notary Exam Prep 88, Notarizing for Elderly or Hospitalized Signers</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific Arizona statute (A.R.S. 41-256) that empowers you to refuse a notarization based on a signers capacity. - How to use open-ended questions to effectively assess a signers awareness and understanding of a document. - Key warning signs of undue influence or coercion by family members or caregivers. - The A.W.A.R.E. method as a mental shortcut for handling high-pressure notarizations with vulnerable individuals. - The critical importance of documenting a refusal in your notary journal to protect yourself and the public. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why standard policies exclude catastrophic risks like earthquakes and windstorms in certain areas. - How the earthquake endorsement defines a single occurrence (a 72-hour period) and uses high-percentage deductibles. - The specific, limited coverage for watercraft in a standard homeowners policy, typically 1,500 for property damage. - Why mobile homes require a specialized insurance policy due to their unique construction and risk profile. - That farm properties and operations are excluded from homeowners policies because they are considered a business risk. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply the principle of conservation of momentum (m1v1 + m2v2 = m1v1 + m2v2) to solve collision problems. - The correct formula for the coefficient of restitution, e = (v2 v1) / (v1 v2), and its application. - The key differences between elastic (e=1), inelastic (e1), and perfectly plastic (e=0) collisions. - Common FE exam traps including sign conventions for velocity vectors and the specific subscript order in the restitution formula. - A mnemonic (2 minus 1 over 1 minus 2) to correctly remember the structure of the coefficient of restitution equation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental difference between controlled (A, B, C, D, E) and uncontrolled (G) airspace for Part 107 drone operations. - How to identify the chart symbology for each airspace class, such as solid blue lines for Class B and dashed blue lines for Class D. - Which airspace classes always require LAANC authorization for drone flight, specifically Classes B, C, D, and surface-level Class E. - Common Part 107 exam traps, including the critical distinction between altitudes measured in Mean Sea Level (MSL) and Above Ground Level (AGL). - The specific rules for Class E airspace and how to determine its floor based on faded or dashed magenta lines on a sectional chart. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Complete guide to the 2026 DTR / NDTR examination administered by the Commission on Dietetic Registration (CDR). Learn about the 110-130 adaptive question format, 160 fee, two eligibility pathways, scaled scoring of 25, current 41/21/38 domain weights, 2027 outline transition, day 46 retake policy, and 50 CPEU maintenance requirements. Practice free DTR questions at open-exam-prep.com. Full blog guide: https://open-exam-prep.com/blog/cdr-registered-dietetic-technician-dtr-exam-guide-2026 Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:43 - Scene 2 1:16 - Scene 3 1:48 - Scene 4 2:21 - Scene 5 2:54 - Scene 6 3:27 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - DTR (Dietetic Technician, Registered) Certification Examination Study Guide 2025-2026 Edition: Complete Test Prep, Comprehensive Review with 3 ... Strategies, and Detailed Answer Explanation: https://www.amazon.com/dp/B0FGHT8KPP?tag=openexamprep-20 - DTR DIETETIC TECHNICIAN REGISTERED EXAM 2026: OFFICIAL BLUEPRINT ESSENTIALS + TIMING &amp;amp; TEST-DAY STRATEGY, 4 OFFICIAL-LENGTH PRACTICE EXAMS WITH CRASH-COURSE- DEPTH RATIONALES: https://www.amazon.com/dp/B0GH1CP5M8?tag=openexamprep-20 - Registered Dietitian (RD) Exam Study Guide 20262027: Comprehensive Review, Practice Questions, and Detailed Answer Explanations Aligned with CDR Certification: https://www.amazon.com/dp/B0H4NKKRV9?tag=openexamprep-20</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why adjusting both the phlebotomists and patients chair is a critical safety step to prevent back strain. - The correct way to organize a phlebotomy cart, placing frequently used items at waist height to avoid bending and reaching. - Safe lifting and positioning techniques for inpatient draws, especially with non-adjustable beds, to protect your back. - How to identify and prevent common repetitive strain injuries of the wrist and shoulder caused by improper technique. - A simple mnemonic, Dont Twist for the Stick Adjust for the Prick, to remember to prioritize positioning before every draw. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to correctly apply the K-Value formula (L = KA) to determine the required length of a vertical curve. - The key design difference between crest curves (stopping sight distance) and sag curves (headlight sight distance). - How to calculate A, the algebraic difference in grades, and avoid the common exam trap of using decimals instead of percentages. - The precise formula to locate the high or low point of a curve and why its rarely at the midpoint. - A memorable mnemonic to distinguish between the primary design criteria for crest and sag curves. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Property &amp;amp; Casualty Exam Prep 31, Uninsured and Underinsured Motorist Coverage</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Uninsured Motorist (UM) coverage applies when the at-fault driver has no insurance or is a hit-and-run driver. - Underinsured Motorist (UIM) coverage is triggered when the at-fault driver has insurance, but not enough to cover your bodily injury damages. - The primary focus of UM/UIM coverage on the exam is bodily injury (medical bills, lost wages), not property damage to your vehicle. - UM/UIM is first-party coverage that protects you, the insured, whereas liability coverage protects the at-fault driver by paying for damages to others. - A key exam trap is the UIM payout calculation it typically pays the difference between your total damages and the at-fault drivers liability payment, up to your UIM policy limit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FAA Part 107 Drone Exam Prep 45, Physiology Hypoxia, Fatigue, Stress, Dehydration</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why hypoxia symptoms are tested on the Part 107 exam, even though drone pilots operate from the ground. - How to differentiate between the nearly identical symptoms of hypoxia and hyperventilation, a common exam trap. - That the FAA equates the impact of acute fatigue on judgment and reaction time to that of alcohol impairment. - How stress can cause attentional narrowing, or tunnel vision, leading a pilot to miss critical hazards. - That even mild dehydration, as little as 1.5% body water loss, can significantly degrade a pilots cognitive performance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Californias fair housing laws (FEHA, Unruh, Rumford) provide significantly broader protections than the federal Fair Housing Act. - Key protected classes unique to California include source of income, sexual orientation, gender identity and expression, and marital status. - The Unruh Civil Rights Act applies to all business establishments, prohibiting discrimination in a wider context than just housing transactions. - The critical differences between illegal steering (guiding clients), blockbusting (panic selling), and redlining (lender discrimination by area). - The distinction between a landlords duty to permit a tenant-paid reasonable modification (a physical change) versus providing a landlord-paid reasonable accommodation (a policy change) for a disability. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Business Income coverage is designed to replace lost net income and cover continuing operating expenses when a business shuts down due to a direct physical loss from a covered peril. - Extra Expense coverage provides funds for necessary costs incurred to avoid or minimize the business shutdown, ultimately reducing the total business income loss. - The period of restoration is the critical time frame for coverage, beginning after a waiting period and ending when the damaged property should reasonably be repaired or relocated. - A direct physical loss to the insureds premises is the essential trigger for both Business Income and Extra Expense coverage without it, there is no claim. - Exam questions frequently test the difference between a continuing expense (like pre-paid insurance) and an extra expense (like renting a temporary location to continue operations). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical first step in soil classification is determining if its coarse or fine-grained based on the 50% rule for the No. 200 sieve. - How to classify coarse-grained soils as gravel (G) or sand (S), and then as well-graded (W) or poorly-graded (P) using gradation data. - How to use the Atterberg Limits (LL, PL, and PI) and the Plasticity Chart to classify fine-grained soils. - The function of the A-line and the LL=50 line on the Plasticity Chart to distinguish between clays (C), silts (M), and their plasticity (L or H). - Common exam traps, including soils with 5-12% fines that require dual symbols and how to classify soils that plot directly on the A-line. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FE Civil Exam Prep 33, Vibration Natural Frequency, SDOF, Damping</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to calculate the natural circular frequency (ωn), period (T), and frequency (f) for an undamped SDOF system. - The critical importance of converting weight (lbf) to mass (slugs) and maintaining consistent units (USCS or SI). - The definition of the damping ratio (ζ) as the ratio of actual damping to critical damping (c/cc). - How to classify a system as underdamped (ζ 1), critically damped (ζ = 1), or overdamped (ζ 1). - To identify the oscillatory behavior of underdamped systems versus the non-oscillatory return of critically damped and overdamped systems. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Prepare for the 2026 NREMT Emergency Medical Responder (EMR) cognitive exam and state-approved BLS skills requirement. This video breaks down the 5 cognitive domains (including Primary Assessment at 37-41%), computer-adaptive testing rules (90-110 questions, 105 minutes), retest guidelines, and 2-year recertification requirements. Practice free NREMT EMR practice questions at https://open-exam-prep.com/blog/nremt-emr-practice-questions-psychomotor-2026 Timestamps: 0:00 - Introduction 0:07 - Scene 1 0:40 - Scene 2 1:14 - Scene 3 1:46 - Scene 4 2:20 - Scene 5 2:52 - Scene 6 3:28 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - Emergency Medical Responder Exam Study Guide 2025-2026: Your Complete NREMT EMR Prep with Detailed Review, Expert Strategies, and Two Full Practice Tests: https://www.amazon.com/dp/B0FMFWZPXB?tag=openexamprep-20 - EMR First Responder Exam Flashcard Study System: EMR Test Practice Questions &amp;amp; Review for the NREMT Emergency Medical Responder Exam (Cards): https://www.amazon.com/dp/1627337172?tag=openexamprep-20</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The seven most important topics to focus on for the California Real Estate Exam. - The difference between commingling and conversion of trust funds and how its tested. - Key exemptions for the Transfer Disclosure Statement (TDS) that frequently appear on the exam. - How Proposition 13s tax assessment rules are framed in exam questions. - Common wording traps in contracts and contingencies designed to confuse test-takers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>233</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The TBAS is a test of psychomotor skills and divided attention, not pre-existing aviation knowledge. - Success in the tracking subtests (Horizontal, Airplane, and Combined) hinges on avoiding target fixation and making smooth, predictive control inputs. - The Directional Orientation subtest measures your rapid spatial reasoning and ability to mentally rotate your perspective under time pressure. - Divided attention tasks, like the Listening and Emergency Procedure subtests, are designed to test your cognitive load management and ability to prioritize. - Use the mnemonic Do Multiple Actions Hurriedly, Even Listening to Instruments to recall the seven distinct skill sets tested: Directional, Multi-tracking, Airplane-tracking, Horizontal-tracking, Emergency, Listening, and Instruments. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>233</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key differences between rectilinear (straight-line) and curvilinear (curved path) motion for the FE Civil exam. - How to apply normal-tangential (n-t) coordinates to calculate acceleration for particles on a curved path. - The crucial distinction between tangential acceleration (at), which changes speed, and normal acceleration (an), which changes direction. - A common exam trap: recognizing that even with constant speed on a curve, the normal acceleration (v²/ρ) is non-zero. - How to locate and use the correct particle kinematics equations in the Dynamics section of the NCEES FE Reference Handbook. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>A comprehensive breakdown of the 2026 NCCA-accredited ACE Group Fitness Instructor (GFI) Certification exam. Learn about the 150-question format, 500 passing score, official domain weights (Group Instruction 39%, Class Prep 34%, Risk Management 27%), video movement analysis items, CPR/AED rules, and an 8-week study plan. Read the full blog article and start practicing at https://open-exam-prep.com/blog/ace-group-fitness-instructor-exam-guide-2026 Timestamps: 0:00 - Introduction 0:09 - Scene 1 0:46 - Scene 2 1:23 - Scene 3 1:55 - Scene 4 2:33 - Scene 5 3:01 - Scene 6 3:32 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - ACE Group Fitness Instructor Exam Prep: Study Guide that highlights key concepts required to pass the American Council on Exercise GFI exam to become a Certified Group Fitness Instructor: https://www.amazon.com/dp/B08P1H4L9N?tag=openexamprep-20 - Secrets of the ACE Group Fitness Instructor Exam Study Guide: ACE Test Review for the American Council on Exercise Group Fitness Instructor Exam (Mometrix Secrets Study Guides): https://www.amazon.com/dp/1609710517?tag=openexamprep-20</video:description>
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      <video:description>Get ready for the 2026 a-IPC exam from CBIC. This video covers the updated content outline that took effect May 22, 2026. Well walk through the exam format, scoring, domain weights, and key test-taking strategies like handling forward-only navigation. Learn how the exam is designed for novice infection preventionists and what that means for your prep. Read the full guide on our blog for a detailed 6-week study plan and more: https://open-exam-prep.com/blog/cbic-a-ipc-associate-infection-prevention-and-control-exam-guide-2026 Test your knowledge with free a-IPC practice questions: https://open-exam-prep.com/practice/a-ipc Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:43 - Scene 2 1:15 - Scene 3 1:51 - Scene 4 2:26 - Scene 5 3:00 - Scene 6 3:33 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CBIC a-IPC Updated Practice Test Prep: The Complete Associate Infection Prevention Study Guide with 3,000 Practice Questions and Detailed Explanations: https://www.amazon.com/dp/B0GP6W3CS8?tag=openexamprep-20</video:description>
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      <video:description>Get ready for the 2026 Certified in Healthcare Privacy Compliance (CHPC) exam. This guide walks you through the most critical information you need to build your study plan, starting with the official sources. Well cover: - The critical difference between the two official CHPC outlines and why you should use the newer 7-domain handbook. - A clear breakdown of the eligibility requirements, including professional experience and the 20-CEU rule. - A focus on the largest exam domain: Privacy Compliance Program Oversight. - Key HIPAA rules you must know for scenario-based questions. - A 5-step method for analyzing any exam scenario. Read the full guide on our blog for an 8-week study plan and free practice questions: https://open-exam-prep.com/blog/chpc-certified-in-healthcare-privacy-compliance-exam-guide-2026 Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:40 - Scene 2 1:13 - Scene 3 1:48 - Scene 4 2:22 - Scene 5 2:59 - Scene 6 3:35 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - Conquer the CCB CHPC Exam in Under 90 Minutes: Study Guide for Healthcare Privacy, Security, and Compliance Program Management for the Certified in Healthcare ... (CHPC) Credential (Healthcare Exams): https://www.amazon.com/dp/B0FXBBZFDJ?tag=openexamprep-20</video:description>
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      <video:description>Get a clear plan for your 2026 Jamaica Defence Force application. This video covers the four JDF entry routes, the difference between the soldier and officer tests, and the essential eligibility checklist you must complete before applying. Well walk you through: - Choosing between Regular and Reserve Force - The Soldier Recruit Assessment Test (Math, English, General Knowledge) - The Officer Potential Selection Board process - A complete document checklist you can prepare now - Understanding the fitness (REFT) and medical hurdles For a more detailed breakdown, links to official JDF resources, and free General Knowledge practice questions, read the full article on our blog: https://open-exam-prep.com/blog/jdf-recruitment-application-test-checklist-2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:41 - Scene 2 1:15 - Scene 3 1:51 - Scene 4 2:26 - Scene 5 3:01 - Scene 6 3:38 - Next steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Height of Instrument (HI) is calculated by adding the Backsight (BS) to a known elevation point (HI = Elev + BS). - A new points elevation is found by subtracting the Foresight (FS) from the Height of Instrument (New Elev = HI - FS). - A Turning Point (TP) is used to move the instrument, receiving a Foresight before the move and a Backsight after to establish a new HI. - Error of closure in a level loop is the difference between the final measured elevation and the known starting benchmark elevation. - Always convert the total loop distance to the correct units (e.g., feet to miles) before calculating the allowable misclosure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply the fundamental axial stress formula, σ = P/A, and avoid common unit conversion traps between ksi and psi. - The critical difference between axial strain (ε = δ/L) and absolute deformation (δ), a frequent point of confusion on the exam. - How to use Hookes Law (σ = Eε) to derive and apply the essential deformation formula δ = PL/AE, using the mnemonic PLEA. - The concept and application of Poissons Ratio (ν = -εlateral/εaxial) to solve for changes in a members cross-sectional dimensions. - How to integrate these concepts to solve multi-step problems, such as finding the final diameter of a rod under axial load. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Phlebotomy Exam Prep 46, Specimen Aliquoting Best Practices</video:title>
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      <video:title>FE Civil Exam Prep 43, Steel ASTM Grades, Modulus, Heat Treatment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key ASTM steel grades and their yield strengths: A36 (36 ksi), A992 (50 ksi), and Grade 60 rebar (60 ksi). - That the modulus of elasticity (E) for all structural steels is a constant 29,000 ksi, regardless of yield strength. - How to avoid the common exam trap confusing a steels strength with its stiffness. - The purpose of different heat treatment processes: Annealing (softens), Quenching (hardens), and Tempering (toughens). - To recognize Brinell, Rockwell, and Vickers as the names of standard material hardness tests. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>AFOQT Exam Prep 21, Counting and Probability Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Permutations (n!/(nr)!) are for arrangements where order is critical, like assigning specific job titles. - Combinations (n!/(r!(nr)!)) are for selecting groups where order is irrelevant, like forming a committee. - A helpful mnemonic: Permutation means Position matters Combination means the Committee is unordered. - For multiple event probabilities, the keyword AND signals multiplication, while OR signals addition (subtracting any overlap). - The AFOQT uses small numbers, so practice calculating factorials manually to save time and avoid errors. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Master the CDL Hazmat (H) endorsement requirements for 2026. This video guide covers the 3 administrative gates (ELDT theory, state knowledge test with 80% passing standard, and TSA threat assessment), current TSA fees (85.25 standard / 41 TWIC comparability), the 9 DOT hazard classes, Table 1 vs Table 2 placarding rules, shipping paper sequence, and 49 CFR incident reporting rules. Practice free CDL Hazmat exam questions online at https://open-exam-prep.com/blog/cdl-hazmat-endorsement-study-guide-2026 Timestamps: 0:00 - Introduction 0:07 - Scene 1 0:41 - Scene 2 1:16 - Scene 3 1:58 - Scene 4 2:35 - Scene 5 3:03 - Scene 6 3:39 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CDL Exam Guide: Hazmat Endorsement: Loaded with 150 Practice Questions to Help You Study Smarter and Pass Your Hazmat Test: https://www.amazon.com/dp/B0F93QFWFF?tag=openexamprep-20 - HAZMAT AND TANKER ENDORSEMENT STUDY GUIDE 2026-2027: Complete CDL Test Prep with 1000 Practice Questions plus 500 Flashcards: https://www.amazon.com/dp/B0GQN4VVMS?tag=openexamprep-20</video:description>
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      <video:title>Which Data Centre Certification in 2026? CDCP vs CDCS vs ATD vs DCDC Explained</video:title>
      <video:description>Choosing the right data centre certification in 2026? This guide breaks down the five most compared credentials: EXINs CDCP, CDCS, and CDCE Uptime Institutes ATD and BICSIs DCDC. Learn about the four different eligibility gatestraining, credentials, licenses, and experiencethat determine your actual options. We cover: - The crucial difference between the two CDCP certifications. - Why the EPI ladder (CDCP CDCS CDCE) is a chain you cant break. - The specific roles and high costs of Uptimes ATD and ATS. - The real experience-based path to BICSIs DCDC. Read the full guide on Open Exam Prep for detailed price and exam comparisons: https://open-exam-prep.com/blog/cdcp-vs-cdcs-vs-cdce-vs-atd-vs-dcdc-2026 Test your knowledge with free practice questions: EXIN CDCP: https://open-exam-prep.com/practice/exin-cdcp EXIN CDCS: https://open-exam-prep.com/practice/exin-cdcs BICSI DCDC: https://open-exam-prep.com/practice/bicsi-dcdc Timestamps: 0:00 - Introduction 0:07 - Scene 1 0:42 - Scene 2 1:14 - Scene 3 1:49 - Scene 4 2:26 - Scene 5 3:02 - Scene 6 3:34 - Next steps</video:description>
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      <video:title>Real Estate Exam California 43, Material Facts, Stigmatized Property, and Reports</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A material fact is any information that could influence a buyers decision to purchase a property or the price they are willing to pay. - In California, a death on the property must be disclosed if it occurred within the last three years, though the cause cannot be revealed if it was from AIDS. - Your duty regarding Megans Law is to provide written notice of the public database, not to research registered sex offenders for your client. - You must conduct a diligent visual inspection, but you must never interpret technical reports like pest or home inspections always advise clients to consult qualified experts. - When faced with a question outside your expertise, the professional standard is to verify the information with an expert, never to guess or offer an unqualified opinion. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>242</video:duration>
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      <video:title>FAA Part 107 Drone Exam Prep 35, Battery Management and Flight Time</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How cold weather below 50F dramatically reduces LiPo battery performance and flight duration. - The importance of landing with a 20-30% battery reserve to handle voltage sag and unexpected events. - Why you must never fly with a swollen or physically damaged battery due to extreme fire risk. - The critical difference between a manufacturers ideal flight time and your actual, real-world flight time under load and in wind. - Proper long-term battery care, including storing LiPo batteries at a 50-60% charge level to maximize their lifespan. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>242</video:duration>
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      <video:title>FAA Part 107 Drone Exam Prep 24, Stadium TFRs, DC SFRA, and No-Fly Zones</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The absolute prohibition of drone flights within the 15-nautical-mile Flight Restricted Zone (FRZ) of the Washington DC SFRA. - How to apply the 3-3-1-1 rule for Stadium TFRs: a 3 NM radius, up to 3,000 feet AGL, from 1 hour before to 1 hour after an event. - The jurisdictional difference between the FAA (airspace) and the National Park Service (land use) regarding flights in National Parks. - The critical importance of checking for dynamic TFRs, such as those over wildfires, before every single flight. - Your responsibility as a Remote Pilot in Command to check NOTAMs and use tools like the B4UFLY app for pre-flight planning. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>242</video:duration>
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      <video:title>FE Exam Prep 20, SI vs US Customary lbm vs lbf and the gc Factor</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between pound-mass (lbm) for mass and pound-force (lbf) for force. - Why and when to use the gravitational conversion factor, gc, which is 32.174 lbmft/(lbfs²). - How to correctly apply Newtons Second Law (F=ma) and energy equations (KE, PE) in US Customary units. - The common exam trap involving weight calculations where local gravity (g) is not equal to standard gravity. - Where to find gc in the NCEES FE Reference Handbook and how to spot questions requiring it. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>242</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-75-airspace-classes-a-through-g</loc>
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      <video:title>AFOQT Exam Prep 75, Airspace Classes A Through G</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific altitude boundaries for Class A airspace (18,000 ft MSL to FL600) and its IFR-only requirement. - How to differentiate Class B, C, and D airspace based on airport traffic levels, general dimensions, and ATC entry requirements. - The roles of Class E as the general controlled airspace and Class G as the uncontrolled airspace. - Common AFOQT exam traps, particularly the critical difference between MSL (Mean Sea Level) and AGL (Above Ground Level) altitudes. - A mnemonic to help recall the primary operational rules for each airspace class from A to G. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>245</video:duration>
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      <video:title>FE Civil Exam Prep 72, Horizontal Curves Degree of Curve, Stationing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The difference between the arc and chord definitions for Degree of Curve, and which to expect on the FE Exam. - The correct formula to calculate the Tangent Length (T) and its role in locating the PC and PT from the PI. - The critical mistake to avoid when calculating the PC station: always subtract the tangent length from the PI station (PC = PI - T). - Why you must convert the intersection angle (delta) from degrees to radians when calculating the curve length (L). - The complete, step-by-step stationing process from a given PI to the final PT station (PT = PC + L). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dlyic-ebQ42</video:player_loc>
      <video:duration>244</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-29-decoding-tafs</loc>
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      <video:title>FAA Part 107 Drone Exam Prep 29, Decoding TAFs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to correctly interpret a TAFs valid time period (e.g., 1212/1318) for flight planning. - The critical difference between a rapid change (FM) and a gradual change (BECMG) in weather conditions. - How temporary conditions (TEMPO) are tested against prevailing conditions on the exam. - The meaning of probability forecasts (PROB30/PROB40) and how they apply to your go/no-go decision. - Why a TAF is a forecast limited to a 5-statute-mile radius around an airport and not a real-time report. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>244</video:duration>
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      <video:title>FE Exam Prep 12, Analytic Geometry Conics, Distance, Vectors</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to find a circles center and radius from its general form by completing the square. - The primary application of the vector dot product on the FE exam: finding the angle between two vectors. - The physical meaning of the cross products magnitude (area) and its result (a perpendicular vector). - How to apply the 3D distance formula, a common exam-style extension of the 2D formula. - A mnemonic to distinguish between the scalar result of a dot product and the vector result of a cross product. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>243</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-81-building-your-pcsm-score</loc>
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      <video:title>AFOQT Exam Prep 81, Building Your PCSM Score</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the PCSM score is calculated from three key components: AFOQT Pilot score, TBAS results, and flight hours. - Why a high AFOQT Pilot score alone wont guarantee a competitive PCSM. - The critical role of the Test of Basic Aviation Skills (TBAS) in measuring psychomotor and multitasking skills. - How civilian flight hours impact your score and the point of diminishing returns after certain hour brackets. - A simple mnemonic (A.T.H.) to remember the pillars of a top-tier pilot application. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - CLIA 88 categorizes tests into waived, moderate, and high complexity, each with specific personnel requirements. - Waived tests can be performed by any personnel who have documented training and follow manufacturer instructions. - Moderate complexity testing requires a minimum of a high school diploma or equivalent, plus specific training. - High complexity testing requires at least an associates degree in a laboratory science or a related science field with specific training. - Competency for moderate and high complexity testing staff must be assessed after 6 months for new employees, and annually for all staff thereafter, with all records kept in the personnel file. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Real Estate Exam California 31, Deeds and Transfer Documents</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The two critical implied warranties of a California Grant Deed and how they are tested. - The key differences between a Grant Deed and a Quitclaim Deed, including after-acquired title. - The seven essential elements for a deed to be valid in California, and common exam traps regarding recording and notarization. - How the concepts of delivery, acceptance, and constructive notice are applied in exam scenarios. - The purpose of a Bill of Sale in a real estate transaction and how it differs from a deed. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Real Estate Exam California 23, Cost Approach and Depreciation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core formula for the cost approach: (Replacement/Reproduction Cost - Accrued Depreciation + Land Value = Property Value). - The critical difference between replacement cost (same utility, modern materials) and reproduction cost (exact replica). - The three types of depreciation tested on the exam: physical deterioration, functional obsolescence, and external obsolescence. - How to distinguish between curable (economically feasible to fix) and incurable depreciation, and why external obsolescence is always incurable. - When the cost approach is the most appropriate valuation method: for new construction and special-purpose properties like schools or churches. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>AWS Cloud Practitioner CLF-C02 Service Selection Guide 2026</video:title>
      <video:description>Master AWS service selection for the CLF-C02 Cloud Practitioner exam. Learn a 4-step decision method and key elimination pairs for compute, storage, databases, networking, integration, and security. Visit https://open-exam-prep.com/blog/aws-cloud-practitioner-services-study-guide-2026 for full study guides and practice questions. Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:43 - Scene 2 1:19 - Scene 3 1:52 - Scene 4 2:29 - Scene 5 3:09 - Scene 6 3:43 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - AWS Certified Cloud Practitioner Study Guide With 500 Practice Test Questions: Foundational (CLF-C02) Exam (Sybex Study Guide): https://www.amazon.com/dp/1394235631?tag=openexamprep-20 - AWS Certified Cloud Practitioner CLF-C02 Cert Guide (Certification Guide): https://www.amazon.com/dp/0138285993?tag=openexamprep-20</video:description>
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      <video:title>Real Estate Exam California 46, Advertising, Technology, and Recordkeeping</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - All California real estate advertising must clearly identify the employing broker and include the licensees name and license number. - Team names must not be misleading and must always be accompanied by the name of the brokerage in a clear and conspicuous manner. - On websites and social media, required licensing information must be on the page or accessible via a single click (the one click away rule). - Brokers must retain transaction records for a minimum of three years, starting from the date of closing or the listing date if the deal does not close. - Electronic signatures are legally valid under the Uniform Electronic Transactions Act (UETA), and brokers are responsible for agent compliance with federal laws like the Do Not Call Registry. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Phlebotomy Exam Prep 79, Spill Response Blood and Body Fluid</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The absolute first step to take when a blood spill occurs, before any cleaning begins. - The correct bleach-to-water dilution ratio for disinfecting a blood spill, a common exam question. - The minimum required contact time for the disinfectant to be effective against bloodborne pathogens. - The proper sequence for using a body fluid spill kit, from containing sharps to final disposal. - Key documentation and notification requirements following a biohazard spill incident. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>AFOQT Exam Prep 31, Quadratic Formula and the Discriminant</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To memorize the quadratic formula, x = (b (b²4ac)) / 2a, as it is essential and not provided on the AFOQT Math Knowledge subtest. - How to use the formula to solve any quadratic equation in the form ax² + bx + c = 0, especially when factoring is not obvious. - That the discriminant, b²4ac, is a shortcut to determine the number of real solutions without fully solving the equation. - That a positive discriminant means two real solutions, a zero discriminant means one real solution, and a negative discriminant means no real solutions. - To watch for common AFOQT traps like equations not in standard form and sign errors when calculating the discriminant or formula. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>249</video:duration>
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      <video:title>COMPRO 2026 Results: A Step-by-Step Guide for What to Do Next</video:title>
      <video:description>Took the 2026 Nigerian civil service COMPRO exam? This guide walks you through the essential next steps. Learn where to find official results, how to build your evidence file, what to check when results are released, and how to interpret different outcomes like confirmation, promotion, or acceleration. We also cover the official Public Service Rules for missing results and retakes. Based on official OHCSF circulars and the PSR. Get the facts at open-exam-prep.com. Full blog guide: https://open-exam-prep.com/blog/nigeria-compro-results-confirmation-retake-guide-2026 Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:42 - Scene 2 1:15 - Scene 3 1:51 - Scene 4 2:30 - Scene 5 3:03 - Scene 6 3:40 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - Promotion and Confirmation COMPRO EXAM: https://www.amazon.com/dp/B0BKK9TDG2?tag=openexamprep-20</video:description>
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    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-california-21-principles-of-value</loc>
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      <video:title>Real Estate Exam California 21, Principles of Value</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Principle of Substitution dictates that a propertys value is set by the cost of an equally desirable alternative. - The Principle of Contribution states that an improvements value is what it adds to the market value, not its cost. - The Principles of Progression and Regression explain how a propertys value is influenced by surrounding properties. - Highest and Best Use is the most profitable, legal, and physically possible use of a property. - How supply and demand, change, and competition constantly affect real estate values. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FE Civil Exam Prep 56, Loads Dead, Live, Wind, Snow, Seismic per ASCE 7</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to calculate the distributed dead load of a structural member using its dimensions and material density. - That live loads are provided on the exam and depend on the specific building occupancy described in the problem. - The difference between seismic weight (W) and wind load (W), a common source of confusion on the exam. - How environmental loads (Snow, Wind, Seismic) are tested using simplified formulas found in the NCEES Handbook. - The process of applying ASCE 7 factored load combinations to determine the controlling design load for a structural element. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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    <loc>https://videos.open-exam-prep.com/v/fe-civil-exam-prep-48-reynolds-number-and-the-moody-diagram</loc>
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      <video:title>FE Civil Exam Prep 48, Reynolds Number and the Moody Diagram</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to calculate the Reynolds Number and ensure unit consistency, a common exam trap. - The critical thresholds for laminar and turbulent flow as defined in the NCEES FE Reference Handbook. - A step-by-step process for finding the friction factor using the Moody Diagram with relative roughness (ε/D). - How to apply the Darcy-Weisbach equation to calculate frictional head loss in a pipe system. - A mnemonic to remember the workflow: Reynolds number, flow regime, Moody diagram, and head loss calculation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-41-crew-resource-management-for-drones</loc>
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      <video:title>FAA Part 107 Drone Exam Prep 41, Crew Resource Management for Drones</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Crew Resource Management (CRM) applies even to solo pilots through the effective use of resources like checklists and weather apps. - The Remote Pilot in Command (PIC) is responsible for conducting a thorough pre-flight briefing to ensure all crew members understand their roles and emergency procedures. - How to apply the sterile cockpit rule, which prohibits non-essential conversations during critical phases of flight to minimize distractions. - Why the Remote PIC always has the final authority and responsibility for the operation, even when encouraging open communication among the crew. - How to use the PAVE mnemonic (Pilot, Aircraft, enVironment, External pressures) as a practical tool to manage resources and mitigate risks before every flight. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>251</video:duration>
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      <video:title>Phlebotomy Exam Prep 26, IV Line Side and Cannula Considerations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The primary rule is to always use the opposite arm of a running IV to prevent sample dilution and contamination. - If drawing from an IV arm is unavoidable, the nurse must pause the infusion for at least two minutes before the draw. - The venipuncture site must always be located distal to, or below, the IV cannula insertion point. - A discard tube of at least 5 mL must be drawn first to eliminate residual IV fluid before collecting patient samples. - For heparin or saline locks, a similar discard procedure is required to prevent contamination from the flush solution. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-17-class-c-and-class-d-airspace</loc>
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      <video:title>FAA Part 107 Drone Exam Prep 17, Class C and Class D Airspace</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To identify Class C airspace by its solid magenta lines and Class D by its dashed blue lines on a sectional chart. - To understand the upside-down wedding cake structure of Class C airspace, with its surface core and outer shelf. - To recognize the typical dimensions of Class D airspace and how its ceiling is marked in feet MSL. - How to avoid the common exam trap of confusing Mean Sea Level (MSL) with Above Ground Level (AGL) for airspace ceilings. - That LAANC authorization is required for Part 107 drone flights in both Class C and Class D airspace. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FE Exam Prep 13, Differential Calculus Critical Points, LHopital, Partials</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to find critical points by setting the first derivative to zero or finding where its undefined. - The Second Derivative Test: a positive result means a local minimum (concave up), and a negative result means a local maximum (concave down). - LHopitals Rule is only for indeterminate forms (0/0 or /) and requires differentiating the numerator and denominator separately. - The core technique for partial derivatives: treat all other variables as constants and differentiate normally. - A common exam trap is misapplying the quotient rule to LHopitals Rule or forgetting to check for an indeterminate form first. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FE Civil Exam Prep 82, Project Scheduling CPM, Forward and Backward Pass</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Critical Path is the longest duration path in a project network, and its activities have zero Total Float. - How to perform a Forward Pass to calculate the earliest start (ES) and earliest finish (EF) times for all project activities. - How to execute a Backward Pass to determine the latest start (LS) and latest finish (LF) times without delaying the project. - To calculate Total Float (LS - ES), which represents the time an activity can be delayed without impacting the final project completion date. - A simple mnemonic for calculations: Forward is Max, Backward is Min for activities with multiple predecessors or successors. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FE Civil Exam Prep 65, Soil Compaction Proctor Test, Optimum Moisture</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To differentiate Standard (ASTM D698) and Modified (ASTM D1557) Proctor tests by their compactive energy. - How the compaction curve plots dry unit weight versus water content to find the maximum dry unit weight and optimum moisture content. - The essential formula for converting total (moist) unit weight to dry unit weight: γd = γt / (1 + w). - That field compaction requirements are specified as a percentage of the maximum lab density (e.g., 95% of Standard Proctor). - To watch for common exam traps that mix up Standard and Modified test data or confuse moist and dry unit weights. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FE Civil Exam Prep 60, Reinforced Concrete Beams Whitney Stress Block</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply the Whitney Stress Block to find the moment capacity of a reinforced concrete beam. - The critical equilibrium equation, C = T, that forms the basis of the calculation. - A step-by-step process for solving for the design moment capacity, φMn, in an exam-style problem. - Common traps on the FE Civil exam, including unit conversions (psi vs. ksi, kip-in vs. kip-ft) and using effective depth d. - How to use the strength reduction factor, φ, to convert nominal strength to design strength. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Property &amp;amp; Casualty Exam Prep 7, Deductibles, Limits, and Coinsurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The difference between a per-occurrence limit, which caps a single event, and an aggregate limit, which caps total payments for the policy period. - How sublimits impose lower, specific caps on high-risk property like jewelry, regardless of the overall policy limit. - The purpose of a coinsurance clause is to encourage policyholders to insure their property to an adequate value, typically 80%. - The coinsurance penalty formula: (Insurance Carried Insurance Required) Amount of Loss = Insurers Payment (before deductible). - A critical exam trap is to always subtract the deductible after applying any coinsurance penalty, not before. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-28-hemolysis-causes-and-prevention</loc>
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      <video:title>Phlebotomy Exam Prep 28, Hemolysis Causes and Prevention</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How vigorous shaking and traumatic probing draws mechanically destroy red blood cells. - Why using a small gauge needle with a large vacuum tube is a common cause of hemolysis. - The critical impact of hemolysis on test results, causing false elevation of Potassium, LDH, and AST. - How to visually identify a hemolyzed sample by its characteristic pink or reddish serum. - That the only correct action for a hemolyzed specimen on an exam is to request a recollection. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Property &amp;amp; Casualty Exam Prep 61, Producer Licensing and Appointments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A producer must be licensed and then appointed by an insurer to sell insurance products. - Lines of authority are broad categories of insurance, not specific products. - Business entities need one Designated Responsible Producer (DRP) for compliance. - Nonresident licenses are granted based on reciprocity, and home state continuing education is typically sufficient. - Producers must report all administrative actions and criminal convictions to the insurance department within 30 days. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>266</video:duration>
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      <video:title>FE Civil Exam Prep 71, Geometric Design Sight Distance, Superelevation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to apply the Stopping Sight Distance (SSD) formula from the NCEES FE Reference Handbook. - The critical sign convention for positive (uphill) and negative (downhill) grades in SSD calculations. - The purpose of superelevation in horizontal curve design and how to use the point-mass formula. - How to balance superelevation (e) and side friction (f) based on design speed and curve radius. - A simple mnemonic, Uphill is a plus, to remember the grade sign convention for SSD. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1IWrlVfGlO2</video:player_loc>
      <video:duration>268</video:duration>
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      <video:title>Real Estate Exam California 25, Real Estate Math for the California Exam</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to correctly calculate and assign debits and credits for property tax prorations. - The multi-step process for determining an agents commission after broker splits. - How to calculate Loan-to-Value (LTV) ratios and down payments. - The method for calculating Californias specific property and documentary transfer taxes. - Key formulas for capitalization rate and Gross Rent Multiplier (GRM) for income properties. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>266</video:duration>
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      <video:title>NHA CMAA Exam Guide 2026: Current Format, Domains &amp;amp; Rules</video:title>
      <video:description>Prepare for the NHA Certified Medical Administrative Assistant exam with current 2026 facts: 135 total questions, 110 scored items plus 25 unscored pretest items, a 135-minute limit, and a 390 scaled passing standard. This guide also covers the official seven-domain counts, eligibility routes, the June 2026 PSI whiteboard and embedded-calculator update, retakes, renewal, HIPAA nuance, and properly qualified BLS career context. Policies and prices can change. Confirm your eligibility, fee, appointment details, and current rules in your NHA account. Full blog guide: https://open-exam-prep.com/blog/nha-cmaa-medical-administrative-assistant-exam-guide-2026 Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:44 - Scene 2 1:20 - Scene 3 1:55 - Scene 4 2:37 - Scene 5 3:14 - Scene 6 3:59 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CERTIFIED MEDICAL ADMINISTRATIVE ASSISTANT STUDY GUIDE (2025-2026): 5 Full-Length Practice Exams &amp;amp; 900+ Questions with Detailed Answer Explanations for CMAA/MAAC Related Candidates: https://www.amazon.com/dp/B0FCC41H43?tag=openexamprep-20</video:description>
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      <video:title>SC-401 Exam Guide 2026: July Blueprint, Retakes &amp;amp; Renewal</video:title>
      <video:description>Prepare for SC-401 with the current July 28, 2026 skills outline. This guide covers the 100-minute exam, 700+ scaled passing score, three 3035% domains, current objectives, retention and priority-cleanup nuance, retake and renewal rules, retirement dates, and a lawful eight-week lab plan. Microsoft does not publish a fixed SC-401 question count, and price varies by region. Read the reviewed guide and start free practice: https://open-exam-prep.com/blog/azure-sc-401-exam-guide-2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:39 - Scene 2 1:24 - Scene 3 2:03 - Scene 4 2:46 - Scene 5 3:32 - Scene 6 4:18 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - SC-401: Administering Information Security in Microsoft 365 Exam Study Guide: https://www.amazon.com/dp/B0FH764C29?tag=openexamprep-20 - Microsoft SC-401 Exam Practice Questions: 290+ Exam-Style Q&amp;amp;A with Explanations: https://www.amazon.com/dp/933434850X?tag=openexamprep-20 - MS-102 Microsoft 365 Administrator Study Guide: The Complete Certification Prep Book with Practice Exams: https://www.amazon.com/dp/B0H5Q3HTN8?tag=openexamprep-20</video:description>
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      <video:title>Property &amp;amp; Casualty Exam Prep 48, Products and Completed Operations Liability</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core function of Products Liability and who it applies to, such as manufacturers and restaurants. - The definition of Completed Operations coverage and how it protects contractors and installers after a job is finished. - The specific criteria the CGL policy uses to determine when work is officially considered complete. - Why Products and Completed Operations claims are subject to their own separate aggregate limit, distinct from the General Aggregate. - Common exam traps, such as distinguishing a products claim from a premises liability claim when an injury occurs on-site before a sale is complete. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>272</video:duration>
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      <video:title>Real Estate Exam California 27, Loan Types and Financing Sources</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key differences between conventional loans and government-backed FHA, VA, and USDA loans. - The specific eligibility requirements and benefits of the California-specific CalHFA loan program. - How adjustable-rate mortgages (ARMs) work, including the roles of the index, margin, and rate caps. - The characteristics of specialized loans such as reverse mortgages, interest-only loans, and seller financing, including Californias disclosure requirements. - The function of the secondary mortgage market and the roles of institutional lenders, private lenders, Fannie Mae, and Freddie Mac.</video:description>
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      <video:duration>340</video:duration>
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      <video:title>Real Estate Exam California 13, Environmental Hazards and Regulations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The federal requirement to disclose lead-based paint for homes built before 1978 and the buyers right to an inspection period. - A sellers duty in California to disclose all known asbestos, radon, and mold, even if they are not required to conduct an inspection. - The critical disclosures required by the Alquist-Priolo Act for properties within Earthquake Fault Zones. - Key items covered in the Natural Hazard Disclosure (NHD) Statement, including special flood hazard areas and very high fire hazard severity zones. - Why selling a property as-is never excuses the seller from their legal obligation to disclose known environmental hazards. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FE Civil Exam Prep 57, Steel Beam Design Plastic Modulus and LTB</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The difference between the plastic modulus (Z) and elastic modulus (S), and how to calculate the plastic moment (Mp). - How Lateral-Torsional Buckling (LTB) can reduce a steel beams capacity based on its unbraced length (Lb). - The three LTB zones defined by the limiting lengths Lp and Lr, and which equations to apply for each. - To avoid the common exam trap of selecting the full plastic moment (Mp) as the answer when LTB controls the design. - The importance of unit consistency, especially converting the final moment from kip-inches to kip-feet. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The mandatory temperature range (90-100F) and 4-minute timeframe for urine drug screens. - Why an unbroken chain of custody is legally critical and what constitutes a broken chain. - The difference between the collectors role (temperature check) and the labs role (creatinine/specific gravity check) in detecting adulteration. - The specific triggers, like an out-of-range temperature, that require a directly observed collection. - A simple mnemonic (T-C-C: Temperature, Chain of Custody, Creatinine) to remember the key validation steps. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three primary methods of legal description: metes and bounds, rectangular survey, and lot and block, and how they are tested. - The critical difference between the Subdivision Map Act (local physical control) and the Subdivided Lands Law (state consumer protection). - The purpose and importance of the Final Public Report (the white report) in the sale of new subdivision properties. - The four types of Common Interest Developments (CIDs) in California: planned developments, condominiums, stock cooperatives, and community apartment projects. - A mnemonic (P.M.L. - People Make Laws) to remember the three legal description methods and a strategy to avoid confusing the two main subdivision laws. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to identify a microburst by its intense, localized downdraft and why you must stay at least 20 nautical miles away from thunderstorms that could produce them. - The critical difference between various types of wind shear and where to expect this hazard during low-altitude drone operations. - The specific temperature and dew point spread that creates fog and how to differentiate between radiation, advection, and upslope fog on the exam. - The two essential conditions required for structural icing on a drone and why below-freezing temperatures alone are not enough. - A simple mnemonic to remember the relationship between temperature, dew point, and fog formation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to properly select u for u-substitution by finding a function whose derivative is also in the integrand. - To apply the LIATE mnemonic (Log, Inverse, Algebraic, Trig, Exponential) to correctly choose u for integration by parts. - The critical exam strategy of always checking the NCEES Reference Handbook for common integral forms before attempting other methods. - Common exam traps like mishandling limits of integration in definite integrals and sign errors in the integration by parts formula. - That a definite integral is fundamentally asking for the net area under a curve between two points. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Full study playlist: https://www.youtube.com/playlist?list=PLRX8lCa5MIcM Independent ServSafe Manager study resources from Open Exam Prep. Start with the dedicated introduction, then follow all 180 numbered lessons in order. The recorded series covers foodborne hazards, time and temperature control, personal hygiene, receiving and storage, cross-contamination, cleaning and sanitizing, and food safety management. Selected related ordinary videos follow the numbered lessons. Pause, recall the idea, practise with questions, and review mistakes. Check the current ServSafe Manager materials, the applicable food code, and local requirements for current requirements. FREE practice and study resources: https://open-exam-prep.com/practice/servsafe-manager More videos: https://open-exam-prep.com/videos/exams/servsafe-manager Independent educational resources Open Exam Prep is not affiliated with or endorsed by the exam provider. Timestamps: 0:00 - Introduction 0:04 - Scene 1 0:35 - Scene 2 1:05 - Next steps</video:description>
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      <video:description>Full study playlist: https://www.youtube.com/playlist?list=PLQdlwuY9-lL0 Independent CBSA OTEE study resources from Open Exam Prep. Start with the dedicated introduction, then follow all 40 numbered lessons in order. The recorded series covers reasoning, analytical thinking, client service orientation, and clear writing through original skill exercises. Selected related ordinary videos follow the numbered lessons. These practice exercises do not require prior knowledge of customs law or border enforcement. Pause, recall the idea, practise with questions, and review mistakes. Check the current CBSA recruitment and OTEE pages for current requirements. FREE practice and study resources: https://open-exam-prep.com/practice/canada-cbsa-otee More videos: https://open-exam-prep.com/videos/exams/canada-cbsa-otee Independent educational resources Open Exam Prep is not affiliated with or endorsed by the exam provider. Timestamps: 0:00 - Introduction 0:04 - Scene 1 0:38 - Scene 2 1:06 - Next steps</video:description>
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      <video:duration>75</video:duration>
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      <video:description>Full study playlist: https://www.youtube.com/playlist?list=PLZh0cHRQiH9Y Independent IICA Independent Director study resources from Open Exam Prep. Start with the dedicated introduction, then follow all 30 numbered lessons in order. The recorded series covers company law, directors duties, board and committee decisions, conflicts of interest, governance, financial statements, and integrated board cases. Selected related ordinary videos follow the numbered lessons. Pause, recall the idea, practise with questions, and review mistakes. Check the Independent Directors Databank and current IICA guidance for current requirements. FREE practice and study resources: https://open-exam-prep.com/practice/in-iica-independent-director More videos: https://open-exam-prep.com/videos/exams/in-iica-independent-director Independent educational resources Open Exam Prep is not affiliated with or endorsed by the exam provider. Timestamps: 0:00 - Introduction 0:04 - Scene 1 0:35 - Scene 2 1:04 - Next steps</video:description>
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      <video:duration>72</video:duration>
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      <video:title>FE Mechanical Exam Prep 2026 Start Your FREE 90-Lesson Study Playlist</video:title>
      <video:description>Full study playlist: https://www.youtube.com/playlist?list=PLXR8k43O3x40 Independent FE Mechanical study resources from Open Exam Prep. Start with the dedicated introduction, then follow all 90 numbered lessons in order. The recorded series covers mathematics, engineering mechanics, materials, thermodynamics, fluids, heat transfer, mechanical design, and mixed review. Selected related ordinary videos follow the numbered lessons. Pause, recall the idea, practise with questions, and review mistakes. Check the current NCEES FE Mechanical specifications and reference handbook for current requirements. FREE practice and study resources: https://open-exam-prep.com/practice/fe-mechanical More videos: https://open-exam-prep.com/videos/exams/fe-mechanical Independent educational resources Open Exam Prep is not affiliated with or endorsed by the exam provider. Timestamps: 0:00 - Introduction 0:03 - Scene 1 0:35 - Scene 2 1:06 - Next steps</video:description>
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      <video:duration>74</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-71-cancellation-of-debt-income</loc>
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      <video:title>Enrolled Agent Exam Part 1 71, Cancellation of Debt Income</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: That cancelled debt is generally taxable income reported on Form 1099-C, but exam questions focus on the exceptions. The insolvency exclusion is strictly limited to the amount by which total liabilities exceed the FMV of total assets immediately before the debt cancellation. Debt discharged in a Title 11 bankruptcy case is always fully excluded from income, regardless of the taxpayers solvency. Excluding COD income under most exceptions requires a reduction of tax attributes on Form 982 in a specific, testable order. Qualified Principal Residence Indebtedness exclusion requires a direct reduction to the basis of the home, not the standard attribute reduction order. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>191</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-73-spinal-cord-injury</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 73, Spinal Cord Injury</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The immediate priority for any suspected spinal cord injury is always airway management and cervical spine stabilization. Injuries at or above C4 cause respiratory arrest due to diaphragm paralysis remember the mnemonic C3, 4, 5 keeps the diaphragm alive. Autonomic dysreflexia is a medical emergency in injuries at T6 or above the first nursing action is to sit the patient upright to lower blood pressure. The most common cause of autonomic dysreflexia is a noxious stimulus below the injury, typically a distended bladder or bowel. Differentiate between spinal shock (temporary loss of reflexes below the injury) and neurogenic shock (hemodynamic instability with hypotension and bradycardia). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>212</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/series-65-2-leading-lagging-and-coincident-indicators</loc>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Leading indicators, such as the S&amp;amp;P 500 and building permits, are forward-looking and aim to predict the economys future direction. - Lagging indicators, including the CPI and GDP, confirm economic trends after they have already taken place. - A critical Series 65 exam trap is the distinction between initial unemployment claims (a leading indicator) and the average duration of unemployment (a lagging indicator). - The stock market is considered a primary leading indicator because it reflects investor expectations of future corporate earnings and economic activity. - GDP is tested as a lagging indicator because it reports on economic output for a quarter that has already concluded. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Amortization is the systematic liquidation of debt through regular installments of principal and interest. In the early stages of a loan, the majority of the monthly payment is allocated to interest rather than principal. A fully amortized loan results in a zero balance at the end of the term with no large final payment required. Calculating principal reduction requires finding the monthly interest first by dividing the annual interest by twelve. Partially amortized loans require a balloon payment because the regular payments do not cover the full principal balance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to calculate the gross profit percentage to determine the taxable gain recognized from each payment. Why depreciation recapture under Sections 1245 and 1250 must be recognized in the year of sale. The rule prohibiting dealers from using the installment method for sales of their inventory. Key restrictions for installment sales of depreciable property between related parties. The mnemonic Dealers, Depreciation, and Dependents Dont Defer to remember key exceptions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Your Series 7 exam is tomorrow. This 10-minute video covers EVERYTHING you need to review the night before - options strategies, spreads, municipal bonds, margin, suitability, and all must-know formulas. FREE Series 7 Practice Questions: https://open-exam-prep.com/practice/series-7 Full Study Guide: https://open-exam-prep.com/blog/series-7-exam-last-minute-review-2026 Series7exam Series7lastminute Series7cramsheet FINRA examprep 2026</video:description>
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    <loc>https://videos.open-exam-prep.com/v/series-65-1-business-cycles-and-economic-phases</loc>
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      <video:title>Series 65 1, Business Cycles and Economic Phases</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four phases of the business cycle are expansion, peak, contraction, and trough. - A recession is defined as two consecutive quarters of declining GDP, while a depression is six consecutive quarters of declining GDP. - Leading economic indicators predict future economic activity, coincident indicators show the current state, and lagging indicators confirm past trends. - Real GDP is adjusted for inflation and is the primary measure of economic growth, unlike nominal GDP which can be distorted by price changes. - The Series 65 exam tests your ability to identify the current phase of the business cycle based on given economic indicators. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>183</video:duration>
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      <video:title>Real Estate Exam National 78, Private Mortgage Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How PMI functions as a lender protection tool rather than a borrower benefit. The specific Loan-to-Value thresholds that trigger the requirement for PMI. The difference between requesting PMI removal at 80% LTV and automatic termination at 78% LTV. How to distinguish between Private Mortgage Insurance and FHA Mortgage Insurance Premiums. A simple mnemonic to remember the legal requirements for PMI termination under the Homeowners Protection Act. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>241</video:duration>
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      <video:title>Nursing Exam Prep NCLEX-RN 71, Seizure Disorders</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to prioritize patient safety and airway management as the absolute first steps during a seizure. To recognize status epilepticus as a medical emergency requiring immediate IV benzodiazepine administration. The essential nursing assessments and interventions required during the postictal phase of a seizure. Key exam facts for phenytoin, including its therapeutic range and the signs of toxicity and side effects. A simple mnemonic, SAFE SIDE, to recall crucial seizure precautions for hospitalized patients. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>197</video:duration>
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      <video:title>Enrolled Agent Exam Part 1 68, Basis of Inherited Property</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Inherited propertys basis is generally its Fair Market Value (FMV) on the decedents date of death, and the holding period is always considered long-term. The alternate valuation date (six months after death) can only be elected if it reduces both the gross estate value and the estate tax liability. If an asset is sold within six months of death and the alternate valuation date is elected, its basis is the selling price, not the FMV on the alternate date. In community property states, both the decedents and the surviving spouses shares of the property get a basis adjustment to FMV. Income in Respect of a Decedent (IRD), such as a traditional IRA, is a major exception and does not receive a stepped-up basis. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>193</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-77-loan-to-value-ratio-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 77, Loan to Value Ratio Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The exact formula for calculating Loan to Value ratio and why the denominator is the lower of two values. How to navigate exam traps involving low appraisals and high sales prices. The relationship between high LTV ratios and lender risk assessments. When and why Private Mortgage Insurance is required for conventional loans. How to solve Combined Loan to Value math problems with multiple liens. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YpgGNzLjoEli/1tDWpAKzli2_vWFMDv.jpg</video:thumbnail_loc>
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      <video:duration>290</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-67-gift-tax-fundamentals</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 67, Gift Tax Fundamentals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Learn when Form 709 is required for gifts exceeding the 19,000 annual exclusion (2025). Understand how taxable gifts reduce the lifetime estate and gift tax exemption, even if no tax is paid immediately. Distinguish between a present interest gift, which qualifies for the exclusion, and a future interest gift, which does not. Identify the rules for gift splitting, which allows married couples to double the annual exclusion per recipient. Recognize qualified transfers for tuition and medical expenses, which are unlimited and exempt from gift tax. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>238</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-69-chemotherapy-administration-and-safety</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 69, Chemotherapy Administration and Safety</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Always use proper PPE: double chemotherapy gloves, a non-permeable gown, and face shield when handling chemo drugs. Extravasation of a vesicant is a medical emergency the priority action is to immediately stop the infusion. Myelosuppression presents as Neutropenia, Anemia, and Bleeding risk (thrombocytopenia) remember the acronym NAB. A low-grade fever (e.g., 100.4F or 38C) in a neutropenic patient is a critical sign of infection requiring immediate intervention. Patient education must focus on infection prevention, bleeding precautions, and managing side effects like mucositis and nausea. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>186</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/sie-exam-last-minute-review-2026-all-formulas-topics-key-concepts-10-minute-cram</loc>
    <video:video>
      <video:title>SIE Exam Last-Minute Review 2026: All Formulas, Topics &amp;amp; Key Concepts (10-Minute Cram)</video:title>
      <video:description>Your SIE exam is tomorrow. This 10-minute video covers EVERYTHING you need to review the night before - formulas, key topics, common traps, and high-yield concepts. Whats covered: 00:00 - Introduction &amp;amp; Dump Sheet Formulas 01:30 - Bond Yields &amp;amp; Pricing (HEAVILY TESTED) 03:00 - Options Basics &amp;amp; Breakevens 04:30 - Types of Risk 05:30 - Order Types &amp;amp; Trade Execution 06:30 - Customer Accounts &amp;amp; Margin 07:30 - SIPC Protection 08:00 - Regulatory Bodies 08:45 - Prohibited Practices 09:15 - Final Tips &amp;amp; Common Traps FREE SIE Practice Questions: https://open-exam-prep.com/practice/sie Full Study Guide: https://open-exam-prep.com/blog/sie-exam-last-minute-review-2026 SIE Flashcards: https://open-exam-prep.com/flashcards/sie Key Formulas to Memorize: - Current Yield = Annual Interest / Market Price - Call Breakeven = Strike + Premium - Put Breakeven = Strike - Premium - Tax-Equivalent Yield = Muni Yield / (1 - Tax Bracket) - Reg T Margin = 50% Pass your SIE exam with confidence. Good luck tomorrow! Recommended Study Materials: Kaplan SIE License Exam Manual (4th Edition): https://www.amazon.com/dp/107884772X?tag=openexamprep-20 SIE Exam Prep 2025-2026 (510 Questions + 6 Full Exams): https://www.amazon.com/dp/B0CN252KP9?tag=openexamprep-20 SIE Exam Prep 2025-2026 with Audiobook Access: https://www.amazon.com/dp/1637758073?tag=openexamprep-20 SIEexam SIElastminute SIEcramsheet FINRA examprep 2026 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>607</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-74-fractures-and-orthopedic-trauma</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 74, Fractures and Orthopedic Trauma</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to use the 5 Ps mnemonic for neurovascular assessment as the top priority for any fracture patient. To identify the earliest sign of compartment syndrome, which is pain out of proportion to the injury, not pulselessness. The key sign that distinguishes Fat Embolism Syndrome from a PE is a petechial rash on the chest and axilla. The absolute safety rule for traction weights is that they must hang freely and never be removed without a providers order. How the NCLEX traps test-takers by forcing them to choose between administering pain medication and performing a critical assessment first. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>234</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-80-adjustable-rate-mortgages-explained</loc>
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      <video:title>Real Estate Exam National 80, Adjustable Rate Mortgages Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The total interest rate for an ARM is calculated by adding the variable market index to the fixed lender margin. In a 5/1 ARM structure, the interest rate is fixed for the first five years and then adjusts every year thereafter. Interest rate caps like initial, periodic, and lifetime caps protect borrowers from excessive payment increases and payment shock. Negative amortization is a specific risk where the loan balance increases because monthly payments do not cover the full interest due. Federal law requires lenders to provide the Consumer Handbook on Adjustable Rate Mortgages (CHARM booklet) to educate applicants. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>236</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-70-like-kind-exchanges-under-section-1031</loc>
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      <video:title>Enrolled Agent Exam Part 1 70, Like-Kind Exchanges under Section 1031</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Why Section 1031 tax deferral now applies exclusively to real property and not personal property. How to navigate the strict 45-day identification and 180-day receipt timelines, including a common exam trap involving tax return due dates. The rule for recognizing gain when boot, such as cash or debt relief, is received in an exchange. The essential role of a Qualified Intermediary in preventing constructive receipt of funds. That losses are never recognized in a like-kind exchange, a key distinction from gain recognition rules. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/snFa2jCXVs5c/1774646898/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CkCWVkLPkO2</video:player_loc>
      <video:duration>263</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-72-traumatic-brain-injury</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 72, Traumatic Brain Injury</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical difference between primary and secondary brain injury and why the NCLEX focuses on prevention of secondary injury. How to interpret the Glasgow Coma Scale (GCS) in exam scenarios, recognizing that a small drop in score signifies a neurological emergency. To identify the subtle, earliest signs of increased intracranial pressure (ICP), such as restlessness, before the onset of late signs like Cushings Triad. Key nursing interventions to manage ICP, including patient positioning (HOB at 30 degrees, midline head) and preventing the Valsalva maneuver. Common NCLEX traps in TBI care, such as improper suctioning techniques and the contraindication of hypotonic fluids. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Q8XUkK4k52</video:player_loc>
      <video:duration>251</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-license-reciprocity-2026-transfer-your-license-state-by-state-free-guide</loc>
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      <video:title>Real Estate License Reciprocity 2026: Transfer Your License State by State (FREE Guide)</video:title>
      <video:description>Want to practice real estate in another state? This video is your complete guide to real estate license reciprocity in 2026. Learn which states have full reciprocity, which require additional exams, and the exact steps to transfer your license without starting from scratch. REAL ESTATE RECIPROCITY QUICK FACTS: Full reciprocity states: 10 states with mutual recognition agreements Partial reciprocity: Most states waive education, but require state exam No reciprocity: A few states require full re-licensing Common requirement: Pass the state-specific portion of the exam Typical transfer timeline: 2-6 weeks depending on state Average state exam fee: 50-100 Most states require: Active license in good standing + background check Portability compact: Several states participate in cooperative agreements FREE Real Estate Practice Questions: https://open-exam-prep.com/exams/real-estate-national FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: Real Estate License Exam Prep 2025-2026 (2500+ Questions + 10 Tests): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 PSI Real Estate Exam Prep 2025-2026 (3 Practice Tests): https://www.amazon.com/dp/1516728475?tag=openexamprep-20 Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. RealEstate RealEstateLicense Reciprocity RealEstateExam LicenseTransfer RealEstateAgent 2026 Free ExamPrep RealEstateCareer StateLicense Realtor PropertyLicense RealEstateTest HomeSales Timestamps: 0:00 - Introduction 0:08 - Key Facts &amp;amp; Stats 1:57 - Content Breakdown 3:42 - Hardest Topics 5:28 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:duration>341</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-76-discount-points-explained</loc>
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      <video:title>Real Estate Exam National 76, Discount Points Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The definition of discount points as prepaid interest to lower mortgage rates. How to correctly calculate points using the loan amount instead of the purchase price. The relationship between discount points and the lenders overall yield. How to distinguish between discount points and loan origination fees for exam questions. The rule of thumb for how many points are required to move an interest rate by one percent. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bZw8RfbPpELR/8JuPVkLOQz2_iSPjgn.jpg</video:thumbnail_loc>
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      <video:duration>217</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-66-estate-tax-basics</loc>
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      <video:title>Enrolled Agent Exam Part 1 66, Estate Tax Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to determine if a Form 706 is required based on the gross estate and basic exclusion amount. Why life insurance proceeds are a common exam trap for inclusion in the gross estate. The critical role of the unlimited marital deduction and its U.S. citizen spouse requirement. When and why the portability election necessitates filing a Form 706 even for non-taxable estates. The standard nine-month filing deadline for Form 706 and the available extension. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>235</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-75-lien-theory-vs-title-theory-explained</loc>
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      <video:title>Real Estate Exam National 75, Lien Theory vs Title Theory Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - The distinction between Lien Theory where the borrower holds legal title and Title Theory where the lender holds it. - Why Lien Theory states require a judicial foreclosure process and a Satisfaction of Mortgage document. - How Title Theory states utilize non-judicial foreclosure through a power of sale clause and a Deed of Reconveyance. - The definition of equitable title and why it remains with the borrower in both legal theories. - How to identify exam traps regarding the mortgagor, mortgagee, and various redemption rights. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Jv4V7K4Ri2</video:player_loc>
      <video:duration>240</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-74-employer-sponsored-retirement-plans-explained</loc>
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      <video:title>Life Insurance Exam National 74 Employer-Sponsored Retirement Plans Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Distinguish 401(k) plans by their use in the private sector and their reliance on employee salary deferrals. Identify 403(b) plans as Tax-Sheltered Annuities specifically designed for nonprofit and public school employees. Recognize SEP IRAs as employer-funded plans allowing up to 25 percent of compensation for small businesses. Apply the 100-employee limit to identify SIMPLE IRAs and their requirement for mandatory employer contributions. Watch for exam traps regarding the 10 percent early withdrawal penalty and the distinction between employee and employer-funded plans. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>260</video:duration>
    </video:video>
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      <video:title>Life Insurance Exam National 60 Fixed Annuities Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: Why the insurance company bears 100% of the investment risk in a fixed annuity. How the general account operates using conservative assets like bonds and mortgages. The difference between the guaranteed minimum interest rate and the current interest rate. Why fixed annuities fail to provide a hedge against inflation and purchasing power risk. The licensing requirements for selling fixed annuities compared to variable products. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>338</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-68-cancer-overview-and-treatment-modalities</loc>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to distinguish between cancer staging (TNM system) for spread and grading for cellular abnormality. Why neutropenic fever (temperature 100.4F, ANC 500) in a chemotherapy patient is a medical emergency requiring immediate action. The correct way to manage localized skin reactions from radiation therapy, emphasizing gentle, water-based skincare. How to recognize Tumor Lysis Syndrome (TLS) as an oncologic emergency and monitor for life-threatening hyperkalemia. A mnemonic to recall TLS electrolyte changes: PUNCH (Phosphate up, Uric acid up, Na+ down, Ca++ down, Hyperkalemia). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical difference between an Injured Spouse claim (Form 8379) for refund offsets and an Innocent Spouse claim (Form 8857) for tax liability relief. How to identify the specific past-due obligations, like child support or student loans, that trigger the need for an injured spouse claim. The two correct methods for filing Form 8379, either with the original joint return or by itself after an offset notice is received. How to correctly allocate income, withholding, and credits to determine the injured spouses rightful portion of the seized refund. The special allocation rules for taxpayers residing in community property states, which is a frequent exam complication. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The fundamental difference between the two-party mortgage and the three-party deed of trust. How to correctly identify the trustor, trustee, and beneficiary roles to avoid common exam traps. The distinction between judicial foreclosure processes and non-judicial foreclosure via the power of sale clause. The difference between naked legal title held by a trustee and equitable title held by the borrower. How to recognize the specific closing documents used for each instrument, such as the satisfaction of mortgage versus the deed of reconveyance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>The Reading and English &amp;amp; Language Usage sections of the ATI TEAS 7 exam make up nearly half your score, yet most students under-prepare for them. This video covers proven strategies to boost your TEAS reading comprehension and English scores in 2026, including the exact question types youll face and how to eliminate wrong answers fast. TEAS READING &amp;amp; ENGLISH QUICK FACTS: Full name: Test of Essential Academic Skills (ATI TEAS 7) Reading section: 39 questions in 55 minutes English &amp;amp; Language Usage section: 33 questions in 37 minutes Combined weight: 45% of your total TEAS score Reading topics: Key ideas, craft &amp;amp; structure, integration of knowledge English topics: Conventions of standard English, knowledge of language, vocabulary Total TEAS questions: 170 across all 4 sections Total TEAS time: 209 minutes (3 hours 29 minutes) Competitive nursing program score: 75%+ overall Top-tier program target: 80%+ composite FREE TEAS Practice Questions: https://open-exam-prep.com/exams/teas FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: ATI TEAS 7 Study Guide 2025-2026 (Newstone, 1700 Questions): https://www.amazon.com/dp/1989726992?tag=openexamprep-20 ATI TEAS 7th Edition Study Guide 2025-2026 (Test Prep Books): https://www.amazon.com/dp/1637755090?tag=openexamprep-20 ATI TEAS 7th Edition Study Guide 2025-2026 (All in One, 1207 Questions): https://www.amazon.com/dp/B0DTFX8HDQ?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. TEAS ATI TEASExam NursingSchool TEAS7 TEASReading TEASEnglish NursingExam ExamPrep Free 2026 TEASTips NursingStudent TEASStudy PreNursing Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:56 - Content Breakdown 3:29 - Hardest Topics 5:21 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: The fundamental tax differences between Traditional tax-deferred IRAs and Roth tax-free IRAs. The 2025 annual contribution limits of 7,000 and the 1,000 catch-up provision for individuals aged 50 and older. How to identify qualified distributions for Roth IRAs including the five-year rule and age requirements. The rules governing Required Minimum Distributions and how they differ between Traditional and Roth structures. Key exceptions to the ten percent early withdrawal penalty that frequently appear on the national insurance exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The key differences between Crohns disease (transmural, skip lesions) and Ulcerative Colitis (mucosal, continuous) for the NCLEX. How to identify classic clinical signs, such as fistulas in Crohns and severe bloody diarrhea in Ulcerative Colitis. Nursing priorities for pharmacological agents, including steroid use for flares and infection risk with immunomodulators. The correct nutritional plan for an acute IBD flare, emphasizing a low-residue, high-protein, high-calorie diet. The critical distinction in surgical outcomes, where a colectomy is curative for Ulcerative Colitis but not for Crohns disease. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The distinct qualifications for Innocent Spouse Relief, Separation of Liability, and Equitable Relief under IRC Section 6015. How the reason to know standard is a critical factor for the IRS to deny Innocent Spouse Relief. The strict two-year deadline for filing Form 8857, which begins from the first IRS collection activity. Why Separation of Liability is specifically for spouses who are divorced, legally separated, or living apart. That Equitable Relief is the only option that can apply to an underpayment of tax, not just an understatement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - The definition of a promissory note as the primary evidence of debt and personal liability. - How the promissory note operates as a negotiable instrument transferable on the secondary market. - The distinction between the parties of the note known as the maker and the payee. - Why the promissory note is typically not recorded in public records unlike the security instrument. - The role of specific clauses like the acceleration clause in demanding immediate repayment upon default. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The critical distinction between a VA guarantee and FHA insurance. Why the zero down payment and one hundred percent loan-to-value ratio is tested. How the VA funding fee differs from recurring mortgage insurance premiums. The application of the forty-one percent back-end ratio and residual income checks. The roles of the Certificate of Eligibility and Certificate of Reasonable Value. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The Kiddie Tax applies to unearned income for children under 19, or under 24 if a full-time student. For 2025, the first 1,300 of unearned income is offset by the childs standard deduction and is tax-free. The next 1,300 of unearned income is taxed at the childs own marginal tax rate. Unearned income exceeding the 2,600 threshold is taxed at the parents higher marginal rate using Form 8615. The election to use Form 8814 is only available if the childs income consists solely of interest and dividends and meets specific criteria. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Cozy vibes. Free study materials. Perfect combo. Study FREE at open-exam-prep.com Free practice tests for: SIE, Series 7, 63, 65, 66 Life &amp;amp; Health Insurance Real Estate License And 50+ more exams! examprep coffee cozy studywithme freeeducation shorts</video:description>
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      <video:description>Free pizza. Free exam prep. Some things just hit different. Study FREE at open-exam-prep.com Free practice tests for: SIE, Series 7, 63, 65, 66 Life &amp;amp; Health Insurance Real Estate License And 50+ more exams! examprep pizza free freeeducation shorts relatable</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate upper versus lower GI bleeding by stool and emesis characteristics. The top nursing priority for a patient with a massive hematemesis and hypotension. Why initial hemoglobin and hematocrit levels can be a common exam trap in acute bleeding. How to use the BLEED mnemonic for a prioritized assessment of a GI bleed patient. Key nursing actions when preparing a patient for an urgent endoscopy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The federal tax treatment of 529 plan contributions, growth, and qualified distributions. How to calculate the taxable portion and penalty on a non-qualified 529 distribution. Key limitations for the provision allowing rollovers from a 529 plan to a Roth IRA. The primary differences between 529 plans and Coverdell ESAs for exam purposes. Common exam traps regarding income limitations and state versus federal tax benefits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: FHA loans are government-insured, not government-guaranteed or directly funded. The minimum down payment is 3.5% for credit scores 580 and above. Borrowers must pay both Upfront Mortgage Insurance Premium (UFMIP) and monthly MIP. Debt-to-income qualifying ratios are typically 31% for housing and 43% for total debt. The FHA escape clause protects a buyers earnest money if the property fails to appraise for the agreed-upon sales price. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Iowa is one of the EASIEST states to become a notary no exam, no bond, no education! Iowa Notary Quick Facts: No exam required No bond required No education required 18+ years old 30 application fee 3-year commission (residents) 6 Easy Steps: 1. Meet eligibility (18+, US Citizen, IA Resident/Worker) 2. Visit Iowa SOS Fast Track System 3. Complete notary application 4. Pay 30 fee 5. Submit &amp;amp; wait for approval 6. Take oath &amp;amp; buy stamp Why Iowa? Lowest barriers of almost any state RON authorized Reasonable fee guidelines Fast Track online application Bordering state residents welcome FREE Iowa Notary Guide: https://open-exam-prep.com/blog/iowa-notary-guide-2026 All State Guides: https://open-exam-prep.com/blog?category=notary Recommended Notary Resources: Notary Public Guidebook: https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Journal (140 Entries): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. IowaNotary NotaryPublic HowToBecomeANotary EasiestState Notary2026 Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:33 - Content Breakdown 1:05 - Hardest Topics 1:37 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Delaware is one of the EASIEST and CHEAPEST states to become a notary! Heres your 2026 guide. Delaware Notary Quick Facts: No exam required No bond required! No education required 18+ years old 60 (2-year) or 90 (4-year) commission RON authorized since 2023 6 Steps to Become a DE Notary: 1. Meet eligibility requirements 2. Create online profile at notary.delaware.gov 3. Complete application &amp;amp; choose term 4. Pay fee (60 for 2yr / 90 for 4yr) 5. Take oath at County Recorder (within 90 days) 6. Purchase stamp &amp;amp; start notarizing Why Delaware? No exam, no education, no bond Flexible commission terms RON authorized Fully digital application One of the most affordable states FREE Delaware Notary Guide: https://open-exam-prep.com/blog/delaware-notary-guide-2026 All State Guides: https://open-exam-prep.com/blog?category=notary Recommended Notary Resources: Notary Public Guidebook: https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Journal (140 Entries): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. DelawareNotary NotaryPublic HowToBecomeANotary NoBondRequired Notary2026 Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 0:35 - Content Breakdown 1:15 - Hardest Topics 1:39 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>What is Lis Pendens? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Lis pendens (Latin for suit pending) is a recorded notice that a lawsuit has been filed affecting title to or possession of real property, warning potential buyers that the property is subject to litigation. Learn more about Lis Pendens and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Lis Pendens definition: https://www.open-exam-prep.com/glossary/lis-pendens Exam Tip: Lis Pendens = lawsuit pending notice. Creates cloud on title. Warns buyers property is in litigation. Must be recorded to be effective. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>What is P/E Ratio (Price-to-Earnings)? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>The P/E ratio is a valuation metric comparing a companys stock price to its earnings per share, used to assess whether a stock is overvalued or undervalued relative to its earnings. Learn more about P/E Ratio (Price-to-Earnings) and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary P/E Ratio (Price-to-Earnings) definition: https://www.open-exam-prep.com/glossary/pe-ratio Exam Tip: P/E = Price divided by EPS. Higher P/E = investors expect more growth. Compare within same industry. --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 58, Asthma</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Asthma is a reversible airway disease, a key distinction from COPD on the NCLEX. A short-acting beta-agonist (SABA) like albuterol is the priority medication for an acute asthma attack. A silent chest in a patient with a history of wheezing signifies a medical emergency, not improvement. The mnemonic B before C teaches the correct inhaler sequence: Bronchodilator before Corticosteroid. Peak Flow Meter zones (Green: 80-100%, Yellow: 50-80%, Red: 50%) and their corresponding actions are critical for patient education questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Enrolled Agent Exam Part 1 55, Withholding and Form W-4</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The redesigned Form W-4 uses direct dollar adjustments for withholding, not allowances. For households with multiple jobs, checking the box in Step 2(c) on both W-4s is the simplest way to ensure accurate withholding. Only the W-4 for the highest-paying job should include adjustments for dependents (Step 3) and other income/deductions (Step 4). Step 4(c) is a key tool for employees to add extra withholding per paycheck to cover tax liability from other income sources, like a side business. Failing to account for a spouses income or other jobs is a major exam trap that leads to under-withholding penalties. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The critical distinction between steering which targets buyers and blockbusting which targets sellers. Why a licensees intent does not matter if their actions result in discriminatory steering. How redlining specifically relates to the geographic refusal of loans or insurance by financial institutions. The common exam trap involving the motivation behind blockbusting also known as panic selling. A simple mnemonic to quickly identify the victim of each illegal fair housing practice during the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>A plat is a surveyed map of a subdivision showing the division of land into lots, blocks, streets, and common areas, recorded in public records to create legal descriptions for each parcel. Learn more about Plat (Plat Map) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Plat (Plat Map) definition: https://www.open-exam-prep.com/glossary/plat Exam Tip: Plat = recorded map of subdivision. Creates lot and block legal descriptions. Always reference plat book and page number! --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>What is Policy Loan? LIFE-HEALTH Exam Prep</video:title>
      <video:description>A policy loan is a loan from an insurance company using the cash value of a permanent life insurance policy as collateral, which does not require credit approval and charges interest that accrues if unpaid. Learn more about Policy Loan and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Policy Loan definition: https://www.open-exam-prep.com/glossary/policy-loan Exam Tip: Policy loans are NOT taxable when taken. If policy lapses with outstanding loan, there may be tax consequences. --- insurance examprep financeexam life-health</video:description>
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      <video:description>Metes and bounds is the oldest legal description method for real property, using physical features, distances (metes), and directions (bounds) to define property boundaries, starting and ending at a point of beginning. Learn more about Metes and Bounds and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Metes and Bounds definition: https://www.open-exam-prep.com/glossary/metes-and-bounds Exam Tip: Metes = measurements (distance). Bounds = boundaries (direction). Must return to POB (Point of Beginning). Oldest description method! --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>What is Open Listing? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>An open listing is a non-exclusive listing agreement where the property owner can hire multiple brokers simultaneously, with only the broker who procures the buyer earning a commission. Learn more about Open Listing and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Open Listing definition: https://www.open-exam-prep.com/glossary/open-listing Exam Tip: Open listing = NON-EXCLUSIVE. Multiple brokers can compete. Only PROCURING BROKER earns commission. Owner can sell directly with NO commission owed. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>How to Become a Notary in Kentucky 2026 Only 29 Total! Complete KY Notary Guide</video:title>
      <video:description>Complete guide to becoming a Kentucky notary public in 2026. One of the most affordable! Key Points: No exam required 1,000 surety bond - one of the lowest in the nation Only 29 total fees (10 SOS + 19 county) 4-year commission term No seal required (optional but recommended) RON authorized since January 2020 Free notarization for veterans required by law FREE Notary Resources: https://open-exam-prep.com/blog?category=notary Start FREE Exam Prep: https://open-exam-prep.com Kentucky offers one of the most affordable paths to becoming a notary. This video covers everything from eligibility to the 30-day county filing deadline. KentuckyNotary NotaryPublic HowToBecomeANotary NotaryGuide Kentucky2026 NotaryBusiness FreeExamPrep Timestamps: 0:00 - Introduction 0:04 - Key Facts &amp;amp; Stats 0:40 - Content Breakdown 1:14 - Hardest Topics 1:51 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>How Hard Is the TEAS Exam? (2026 Scores, Sections &amp;amp; Study Tips)</video:title>
      <video:description>How hard is the TEAS exam? National average score: 60-65%. BSN programs want 62-75%+. Complete ATI TEAS 7 breakdown inside. In this video, youll learn: TEAS exam structure: 170 questions, 209 minutes, 4 sections Score requirements by program type (ADN, BSN, ABSN, MSN) Section-by-section difficulty analysis Why the Science section is the hardest 5 hardest topics and targeted study strategies FREE TEAS Practice Tests: https://open-exam-prep.com/exams/teas Full Study Guide: https://open-exam-prep.com/blog/how-hard-is-teas-exam-2026 Ask Our AI Tutor Any Question: https://open-exam-prep.com Timestamps: 0:00 - TEAS Difficulty Overview 0:25 - Exam Format &amp;amp; Quick Facts 0:55 - Section Breakdown (Reading, Math, Science, English) 1:25 - Score Requirements by Program 1:50 - 5 Hardest Topics 2:15 - Study Strategy &amp;amp; Next Steps 60% of U.S. nursing programs require the TEAS for admission. TEASExam TEAS2026 NursingSchool ATIteas TEASPrep FreeTEASPrep NursingAdmissions TEASScience TEASStudyGuide NursingStudent ExamPrep Healthcare</video:description>
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      <video:title>Florida Life &amp;amp; Health Insurance Exam 2026: Complete Study Guide (FREE)</video:title>
      <video:description>Complete Florida 2-15 Life &amp;amp; Health insurance exam study guide for 2026! Learn exam format, DFS regulations, and key topics to pass on your first try. What youll learn: 00:00 - FL 2-15 Exam Overview 00:30 - Exam Format (150 questions, 60 hours pre-licensing) 01:00 - Key Topics: Life Insurance (45%) 01:30 - Key Topics: Health Insurance (45%) 02:00 - Florida-Specific DFS Regulations 02:30 - Study Tips &amp;amp; Free Resources FREE FL Life &amp;amp; Health Practice: https://open-exam-prep.com/exams/fl-life-health Full Blog Guide: https://open-exam-prep.com/blog/florida-life-health-exam-guide-2026 Key Facts: - 150 multiple-choice questions (2-15 license) - 70% passing score (105 correct) - 60 hours pre-licensing education required - Administered by Prometric for DFS Recommended Study Materials: Life &amp;amp; Health Insurance License Mastery 2025-2026 (500 Practice Questions): https://www.amazon.com/dp/1764327136?tag=openexamprep-20 Life and Health Insurance Study Guide 2025-2026 (645 Questions): https://www.amazon.com/dp/B0DPNCBKJJ?tag=openexamprep-20 Life and Health Insurance License Exam Prep 2025-2026: https://www.amazon.com/dp/B0DNXQGWZB?tag=openexamprep-20 FloridaInsurance LifeHealthExam DFS InsuranceLicense ExamPrep 2026 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:title>What is Survey (Real Estate)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A survey is a professional measurement and mapping of a property that shows its boundaries, dimensions, improvements, and relationship to adjoining properties, often required for real estate transactions. Learn more about Survey (Real Estate) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Survey (Real Estate) definition: https://www.open-exam-prep.com/glossary/survey Exam Tip: Survey = professional property measurement. Shows boundaries, improvements, encroachments. ALTA survey = most comprehensive (commercial). May be required for title insurance. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>How to Become a Notary in South Carolina 2026 10-YEAR Commission! Only 35 Total</video:title>
      <video:description>South Carolina has the BEST notary deal in America! 10-year commission, no exam, no bond, only 35 total. Complete guide for 2026. Key Points: NO exam required NO education required NO surety bond required Only 35 total (25 app + 10 county enrollment) 10-YEAR commission term (longest in the nation!) Must be a registered SC voter Up to 5 per notarial act Can notarize without seal (write title instead) FREE Notary Resources: https://open-exam-prep.com/blog?category=notary Start FREE Exam Prep: https://open-exam-prep.com South Carolina offers the most affordable and longest-lasting notary commission in the entire United States. This video explains exactly how to get started. SouthCarolinaNotary NotaryPublic SCNotary 10YearCommission CheapestNotary NotaryGuide2026 FreeExamPrep Timestamps: 0:00 - Introduction 0:04 - Key Facts &amp;amp; Stats 0:40 - Content Breakdown 1:18 - Hardest Topics 1:52 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Named perils coverage only protects against specific risks explicitly listed in the insurance policy, such as fire, lightning, windstorm, and theft. If a peril is not named, it is not covered. Learn more about Named Perils and other key terms for your PROPERTY-CASUALTY exam at Open Exam Prep. This term appears on: PROPERTY-CASUALTY Full glossary: https://www.open-exam-prep.com/glossary Named Perils definition: https://www.open-exam-prep.com/glossary/named-perils Exam Tip: Named perils = ONLY what is listed is covered. HO-2 is named perils. Burden is on insured to prove! --- insurance examprep financeexam property-casualty</video:description>
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      <video:description>Maryland has unique notary requirements heres your complete 2026 guide! Maryland Notary Quick Facts: Course of Study REQUIRED Exam REQUIRED (after course) State Senator approval needed No bond required! 4-year commission 36 total fees (25 SOS + 11 County) 6 Steps to Become a MD Notary: 1. Meet eligibility (18+, MD Resident/Worker) 2. Complete approved Course of Study (50-100) 3. Pass the course examination 4. Submit application to Secretary of State 5. Get State Senator endorsement 6. Pay fees &amp;amp; take oath of office Key Facts: Max fee: 4 per notarial act RON authorized since Oct 2020 Renewals need course but no exam Senator endorsement is unique to Maryland No surety bond = lower startup costs FREE Maryland Notary Guide: https://open-exam-prep.com/blog/maryland-notary-guide-2026 All State Guides: https://open-exam-prep.com/blog?category=notary Recommended Notary Resources: Notary Public Guidebook: https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Journal (140 Entries): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. MarylandNotary NotaryPublic HowToBecomeANotary MDNotary Notary2026 Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:37 - Content Breakdown 1:19 - Hardest Topics 1:52 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: Why the policy remains valid and cannot be canceled even if age or gender was intentionally misstated. How the insurer calculates the adjusted death benefit based on the premium actually paid. Why this provision serves as a permanent exception to the standard two-year Incontestability Clause. The difference between how the insurer handles an underpayment versus an overpayment of premium. How to use the mnemonic Age Adjusts the Amount to avoid common exam traps. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Redlining is the illegal discriminatory practice of denying or limiting financial services, insurance, or other services to residents of certain areas based on racial or ethnic composition rather than individual qualifications. Learn more about Redlining and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Redlining definition: https://www.open-exam-prep.com/glossary/redlining Exam Tip: Redlining = denying services based on AREA (usually racial composition). ILLEGAL under Fair Housing Act. Different from steering (directing people). --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:description>Moral hazard is an increased risk of loss due to dishonesty or character defects of the insured, such as intentionally causing damage to collect insurance proceeds or filing fraudulent claims. Learn more about Moral Hazard and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Moral Hazard definition: https://www.open-exam-prep.com/glossary/moral-hazard Exam Tip: Moral hazard = DISHONESTY/fraud (intentional). Morale hazard = CARELESSNESS (unintentional). Both increase risk. Insurers use deductibles and coinsurance to combat both. --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
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      <video:description>Everything you need to know about the Tennessee Affiliate Broker exam passing scores, question breakdown, and the 5 hardest topics to study. FREE Real Estate Practice Questions: https://open-exam-prep.com/exams/real-estate-salesperson Full Blog Post with Detailed Guide: https://open-exam-prep.com/blog/tennessee-affiliate-broker-passing-score-and-questions-2026 TN Affiliate Broker Exam Quick Facts: National: 80 Questions (70% to Pass) State: 40 Questions (70% to Pass) Must Pass BOTH Sections 39 Exam Fee (PSI) 90 Hours Pre-Licensing Education Required Recommended Study Materials: Real Estate License Exam Prep 2025-2026 (2500+ Questions): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 PSI Real Estate Exam Prep 2025-2026: https://www.amazon.com/dp/1516728475?tag=openexamprep-20 Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 As an Amazon Associate, I earn from qualifying purchases. These are books I recommend for exam prep. Who This Video Is For: Tennessee real estate exam candidates Anyone preparing for the affiliate broker exam Real estate career changers in TN More FREE Exam Prep Resources: https://open-exam-prep.com TennesseeRealEstate AffiliateBroker RealEstateExam TRECExam RealEstateLicense FreeExamPrep TennesseeRealEstateExam2026 RealEstateCareer PSIExam Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:42 - Content Breakdown 1:24 - Hardest Topics 2:05 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Proration is the division of ongoing property expenses such as taxes, insurance, and HOA fees between buyer and seller at closing, based on the portion of the billing period each party owns the property. Learn more about Proration and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Proration definition: https://www.open-exam-prep.com/glossary/proration Exam Tip: Proration = dividing expenses by days of ownership. Taxes in ARREARS = credit to buyer. Taxes in ADVANCE = credit to seller. Know 365-day and 360-day calculations. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:description>NASAA is the organization representing state and provincial securities regulators in the US, Canada, and Mexico, responsible for investor protection and coordinating state securities laws. Learn more about NASAA (North American Securities Administrators Association) and other key terms for your SIE, SERIES63, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES63, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary NASAA (North American Securities Administrators Association) definition: https://www.open-exam-prep.com/glossary/nasaa Exam Tip: NASAA = state regulators association. Creates Series 63/65/66 exam content. Blue Sky Laws = state securities laws! --- securities examprep financeexam sie series63 series65 series66</video:description>
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      <video:description>The MSRB is the self-regulatory organization that creates rules governing the municipal securities market, regulating dealers and advisors who buy, sell, and underwrite state and local government bonds. Learn more about MSRB (Municipal Securities Rulemaking Board) and other key terms for your SIE, SERIES7, SERIES52 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES52 Full glossary: https://www.open-exam-prep.com/glossary MSRB (Municipal Securities Rulemaking Board) definition: https://www.open-exam-prep.com/glossary/msrb Exam Tip: MSRB makes rules but does NOT enforce them. FINRA enforces MSRB rules for broker-dealers. Know Rule G-37 (pay-to-play)! --- securities examprep financeexam sie series7 series52 Recommended Study Materials: Kaplan SIE License Exam Manual (4th Edition): https://www.amazon.com/dp/107884772X?tag=openexamprep-20 SIE Exam Prep 2025-2026 (510 Questions + 6 Full Exams): https://www.amazon.com/dp/B0CN252KP9?tag=openexamprep-20 SIE Exam Prep 2025-2026 with Audiobook Access: https://www.amazon.com/dp/1637758073?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>Master the 7 proven study methods that help you pass certification exams on your first try! Key Methods: Active Recall: 50-70% better retention Spaced Repetition: 2-3-5-7 schedule Feynman Technique: Explain it simply Elaborative Interrogation: Ask Why? Interleaving: Mix your topics Practice Testing: 20-30% higher scores Pomodoro Technique: 25-min focus blocks FREE Practice Exams: https://open-exam-prep.com/exams FREE AI Study Assistant: https://open-exam-prep.com Works for SIE, Series 7, NCLEX-RN, real estate, insurance, PMP, and all professional certification exams. How you study matters more than how long you study. StudyMethods ExamPrep ActiveRecall SpacedRepetition CertificationExam SIEExam Series7 NCLEX FreeExamPrep Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:43 - Content Breakdown 1:23 - Hardest Topics 2:04 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>A private placement is the sale of securities directly to a limited number of sophisticated investors without a public offering, typically exempt from SEC registration under Regulation D. Learn more about Private Placement and other key terms for your SIE, SERIES7, SERIES63, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES63, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Private Placement definition: https://www.open-exam-prep.com/glossary/private-placement Exam Tip: Private placement = Reg D exemption. Know accredited investor definition (200K/300K income OR 1M net worth). Rule 506(b) vs 506(c)! --- securities examprep financeexam sie series7 series63 series65 series66</video:description>
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      <video:description>The CPC exam pass rate is estimated at just 50-60% for first-time takers (AAPC doesnt publish official rates). This video breaks down why candidates fail, the hardest sections, time management strategies, and a 12-week study plan to pass on your first attempt. Start FREE CPC Practice: https://open-exam-prep.com/blog/cpc-exam-pass-rate-2026 FREE CPC Study Course: https://open-exam-prep.com/exams/cpc Recommended Study Materials: Official CPC Certification 2025 Study Guide (AAPC): https://www.amazon.com/dp/B0DZHYW2YL?tag=openexamprep-20 CPC MedicalCoding CPCExam ExamPrep AAPC MedicalCodingCareer CPCPassRate FreeStudyGuide 2026 Affiliate Disclosure: Some links above are affiliate links. We may earn a small commission at no extra cost to you if you purchase through them. This helps support our free educational content. Full disclosure: https://open-exam-prep.com/affiliate-disclosure Timestamps: 0:00 - Introduction 0:04 - Key Facts &amp;amp; Stats 0:54 - Content Breakdown 1:34 - Hardest Topics 2:05 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Complete guide to getting your Texas real estate license in 2026! Learn TREC requirements, 180-hour education, Pearson VUE exam format, fees, sponsorship, and how to pass on your first try. FREE TX Real Estate Practice: https://www.open-exam-prep.com/exams/tx-real-estate Full Blog Guide: https://www.open-exam-prep.com/blog/texas-real-estate-exam-guide-2026 Practice Real Estate Questions: https://www.open-exam-prep.com/practice/real-estate Recommended Study Materials: 1. Real Estate License Exam Prep 2025-2026 (2500+ Questions): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 2. PSI Real Estate Exam Prep 2025-2026 (3 Practice Tests): https://www.amazon.com/dp/1516728475?tag=openexamprep-20 3. Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 Affiliate Disclosure: Some links above are affiliate links. If you purchase through them, we may earn a small commission at no extra cost to you. This helps support free exam prep content. Key Facts: - 120+ questions (80 National + 40 State + pretest items) - 4 hours total time limit - 70% passing score on each section - 206 application fee + 43 exam fee - 180 hours pre-licensing education required - Broker sponsorship required for active license TexasRealEstate RealEstateExam TREC RealEstateLicense ExamPrep 2026 FreeStudyGuide PearsonVUE Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:53 - Content Breakdown 1:25 - Hardest Topics 2:04 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Volatility is a statistical measure of the dispersion of returns for a security or market index, indicating how much the price fluctuates over timehigher volatility means greater price swings and higher risk. Learn more about Volatility and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Volatility definition: https://www.open-exam-prep.com/glossary/volatility Exam Tip: Volatility = price fluctuation = risk. Beta measures relative volatility. VIX measures market fear. Higher volatility = higher option premiums. --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:description>The secondary market is where previously issued securities are bought and sold between investors, with proceeds going to the selling investor rather than the issuing companyincluding stock exchanges like NYSE and NASDAQ. Learn more about Secondary Market and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Secondary Market definition: https://www.open-exam-prep.com/glossary/secondary-market Exam Tip: Secondary market = existing securities, proceeds to SELLER. Primary market = new securities, proceeds to ISSUER. Know the difference! --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:title>How to Pass the Series 7 Exam (2026): 8 Proven Strategies</video:title>
      <video:description>Pass the Series 7 exam with these 8 proven strategies! The Series 7 has a 65% pass rate - heres how to beat the odds. What youll learn: 00:00 - Series 7 Exam Overview (125 questions, 72% to pass) 00:30 - Strategy 1: Master Options FIRST 01:00 - Strategy 2: Conquer Bond Calculations 01:30 - Strategy 3: The 800-Question Rule 02:00 - Strategy 4: 12-Week Study Schedule 02:30 - Your Free Practice Questions FREE Series 7 Practice: https://open-exam-prep.com/practice/series7 FREE Series 7 Guide: https://open-exam-prep.com/exams/series7 Full Blog Guide: https://open-exam-prep.com/blog/how-to-pass-series-7-exam-2026 Key Facts: - Series 7 pass rate is 65-72% - You need 72% (90/125) to pass - Investment Recommendations section is 73% of the exam - Master options - they make or break your score - Complete 800-1000 practice questions before the exam Recommended Study Materials: Kaplan Series 7 License Exam Manual (2nd Edition): https://www.amazon.com/dp/1078803730?tag=openexamprep-20 Series 7 Study Guide 2025-2026 (750 Questions + 6 Full Exams): https://www.amazon.com/dp/1998805484?tag=openexamprep-20 Series 7 Complete Prep (1500+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0G6D2ZW48?tag=openexamprep-20 Series7 Series7exam stockbroker FINRA examprep 2026 howtopas Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:title>FREE Real Estate Practice Questions 2026 - Pass Your Exam First Try!</video:title>
      <video:description>Want to pass your real estate exam on the first try? Only 50-60% of candidates pass - dont be in the other half! This video covers the most important topics and gives you FREE access to 100+ practice questions with detailed explanations. What youll learn: 00:00 - Why 50% Fail (And How to Be Different) 00:30 - Property Ownership Questions (20% of exam) 01:00 - Contracts &amp;amp; Fair Housing (35% of exam) 01:45 - Financing &amp;amp; Math Calculations 02:30 - Your Free Practice Question Bank FREE Practice Questions: https://open-exam-prep.com/practice/real-estate-national FREE Study Guide: https://open-exam-prep.com/exams/real-estate-salesperson FREE Blog Guide: https://open-exam-prep.com/blog/free-real-estate-practice-questions-2026 Key Facts: - Real estate exam pass rate is only 50-60% - National portion: 80-100 questions - Passing score: 70-75% (varies by state) - Commission rates are ALWAYS negotiable - LTV = Loan Amount / Property Value realestate realestateexam realestatelicense practicetest freeprep 2026 PSIexam realestateagent</video:description>
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      <video:title>What is Umbrella Insurance? PROPERTY-CASUALTY Exam Prep</video:title>
      <video:description>Umbrella insurance is excess liability coverage that provides additional protection beyond the limits of underlying policies (auto, homeowners), typically in 1 million increments. Learn more about Umbrella Insurance and other key terms for your PROPERTY-CASUALTY exam at Open Exam Prep. This term appears on: PROPERTY-CASUALTY Full glossary: https://www.open-exam-prep.com/glossary Umbrella Insurance definition: https://www.open-exam-prep.com/glossary/umbrella-insurance Exam Tip: Umbrella = excess liability + drops down for gaps. Very cost-effective. Requires underlying minimums! --- insurance examprep financeexam property-casualty</video:description>
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      <video:description>Market capitalization (market cap) is the total market value of a companys outstanding shares, calculated by multiplying the current stock price by the number of shares outstanding. Its used to classify companies as large-cap, mid-cap, or small-cap. Learn more about Market Capitalization and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Market Capitalization definition: https://www.open-exam-prep.com/glossary/market-capitalization Exam Tip: Market Cap = Price Shares. Large-cap = 10B+. Small-cap = under 2B. Stock price alone doesnt indicate size! --- securities examprep financeexam sie series6 series7 series65 series66</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 56, Stroke</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The absolute first priority for any patient presenting with stroke symptoms. Key contraindications for thrombolytic therapy (tPA) that are frequently tested on the exam. The critical differences in nursing management between ischemic and hemorrhagic stroke. How to recognize and manage increased intracranial pressure in hemorrhagic stroke patients. Priority rehabilitation concepts, including managing dysphagia and unilateral neglect. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: Variable annuities utilize separate accounts to invest in equities, providing a potential hedge against inflation. The contract owner bears all investment risk, distinguishing variable annuities from fixed products. Dual licensing is required, necessitating both a state insurance license and a federal securities registration. A prospectus is a mandatory disclosure document that must be provided to the client during the sales process. Accumulation units convert to a fixed number of annuity units during the payout phase, causing fluctuating monthly payments. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Bilateral contracts are mutual agreements where both parties make promises and both are legally bound. Common bilateral examples on the exam include real estate purchase agreements and exclusive listing contracts. Unilateral contracts involve only one party making a binding promise contingent on the performance of an act by another. Real estate options and open listings are primary examples of unilateral contracts. A key exam distinction is that an option contract is unilateral until exercised, at which point it becomes bilateral. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Real Estate Exam National 37, Valid Void and Voidable Contracts Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The four essential elements required to make a real estate contract legally valid and enforceable. Why a void contract is considered a legal nullity from inception due to illegal objectives or lack of capacity. The specific conditions such as fraud, duress, or minor status that render a contract voidable rather than void. Why contracts involving minors are binding on the adult but vetoable by the minor. How to distinguish between voidable and unenforceable contracts to avoid common exam traps. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>302</video:duration>
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      <video:title>Life Insurance Exam National 12 Risk Management and Types of Risk Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. nnIn this episode you will learn: n The critical distinction between insurable pure risks and uninsurable speculative risks n How to apply the STARR acronym to identify Sharing, Transfer, Avoidance, Retention, and Reduction n Why insurance is fundamentally defined as the transfer of risk from an individual to an insurer n How to correctly identify deductibles and self-insurance as forms of risk retention n Common exam traps regarding situational examples of risk reduction and avoidance nnFor more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>The Series 66 exam has a 65-70% pass rate about 1 in 3 candidates fail. This video ranks the hardest topics, breaks down the exam structure, and gives you a complete 8-week study plan to pass on your first attempt. Start FREE Series 66 Practice: https://open-exam-prep.com/blog/series-66-hardest-topics-study-plan-2026 FREE Series 66 Study Course: https://open-exam-prep.com/exams/series-66 Recommended Study Materials: Series 66 Study Guide 2025-2026 (1600+ Questions): https://www.amazon.com/dp/B0FFSK6NHD?tag=openexamprep-20 Series66 Series66Exam InvestmentAdviser NASAA Series66StudyGuide FinanceExam FreeExamPrep Series662026 FINRA UniformSecuritiesAct Affiliate Disclosure: Some links above are affiliate links. We may earn a small commission at no extra cost to you if you purchase through them. This helps support our free educational content. Full disclosure: https://open-exam-prep.com/affiliate-disclosure Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:46 - Content Breakdown 1:32 - Hardest Topics 2:10 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Just passed the Florida real estate exam? Your license is on the clock! Complete guide to the mandatory 45-hour post-license course, deadlines, and first-year survival tips. FREE FL Real Estate Practice: https://www.open-exam-prep.com/exams/fl-real-estate Full Post-License Guide: https://www.open-exam-prep.com/blog/florida-real-estate-post-license-first-year-guide-2026 Practice Real Estate Questions: https://www.open-exam-prep.com/practice/real-estate Recommended Study Materials: 1. Real Estate License Exam Prep 2025-2026 (2500+ Questions): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 2. PSI Real Estate Exam Prep 2025-2026 (3 Practice Tests): https://www.amazon.com/dp/1516728475?tag=openexamprep-20 3. Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 Affiliate Disclosure: Some links above are affiliate links. If you purchase through them, we may earn a small commission at no extra cost to you. This helps support free exam prep content. Key Facts: - 45-hour post-license course (FREC mandated) - 100 questions, 75% passing score - Miss the deadline = License NULL AND VOID - Must complete before first renewal (18-24 months) - Cost: 100-200 FloridaRealEstate PostLicense FREC RealEstateLicense NewAgent 2026 FreeStudyGuide Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:53 - Content Breakdown 1:31 - Hardest Topics 2:09 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>The Tennessee real estate exam pass rate is only 50% first attempt. Learn TREC exam data, section breakdown, top failure reasons, and free study strategies to pass on your first try. FREE TN Real Estate Practice: https://open-exam-prep.com/exams/tn-real-estate Full Guide: https://open-exam-prep.com/blog/tennessee-real-estate-pass-rate-study-tips-2026 FREE Real Estate Practice Questions: https://open-exam-prep.com/practice/real-estate Recommended Study Books (affiliate): Real Estate License Exam Prep 2025-2026 (2500+ Questions + 10 Tests): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 PSI Real Estate Exam Prep 2025-2026 (3 Practice Tests): https://www.amazon.com/dp/1516728475?tag=openexamprep-20 Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 Disclosure: Some links above are affiliate links. If you purchase through them, we may earn a small commission at no extra cost to you. This helps us keep our study materials free! Key Facts: 120 questions (80 national + 40 state) 70% passing score on each section 50% first-time combined pass rate 90 hours pre-license education required 60-80 study hours recommended beyond coursework No state income tax = great earning potential TennesseeRealEstate RealEstateExam TREC PassRate ExamPrep 2026 Free RealEstateLicense Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 0:42 - Content Breakdown 1:24 - Hardest Topics 2:03 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Complete breakdown of every Series 7 exam topic in 2026. Function 3 = 73% of the exam! Key Numbers: 130 questions (125 scored + 5 unscored) 72% passing score (90/125) 225 minutes (3 hours 45 minutes) Function 3 = 73% of all questions! 65-72% first-time pass rate Target 80%+ on practice exams 5 Hardest Topics: 1. Options (Spreads, Straddles, Hedging) 2. Municipal Securities (GO vs Revenue) 3. Margin Accounts (Reg T, SMA) 4. Suitability (Reg BI) 5. Tax Consequences (Wash Sales) FREE Series 7 Practice: https://open-exam-prep.com/practice/series7 Start FREE Exam Prep: https://open-exam-prep.com Recommended Study Materials: Kaplan Series 7 License Exam Manual: https://www.amazon.com/dp/1078803730?tag=openexamprep-20 Series 7 Study Guide 2025-2026 (750 Questions + 6 Full Exams): https://www.amazon.com/dp/1998805484?tag=openexamprep-20 Series 7 Complete Prep (1500+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0G6D2ZW48?tag=openexamprep-20 Series7 Series7Exam FINRAExam Series7StudyGuide Options Securities ExamPrep FreeExamPrep Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:47 - Content Breakdown 1:27 - Hardest Topics 2:07 - Study Strategy &amp;amp; Next Steps Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>How long do you REALLY need to study for the CISSP? This video breaks down realistic timelines by experience level, covers the 2026 exam updates (AI governance, zero trust), and gives you a complete 3-month study plan covering all 8 domains. FREE CISSP Practice Questions (200+ Questions, All 8 Domains): https://open-exam-prep.com/practice/cissp Full Blog Post with Detailed Study Plan: https://open-exam-prep.com/blog/cissp-how-long-to-study-3-month-plan-2026 CISSP Quick Facts: 100-150 Questions (Adaptive Testing) 3 Hours Time Limit 700/1000 Passing Score 749 Exam Fee 5 Years Experience Required Study Time: 250-400 Hours Who This Video Is For: IT professionals considering the CISSP Career changers entering cybersecurity Anyone planning their CISSP study schedule More FREE Exam Prep Resources: https://open-exam-prep.com CISSP CybersecurityCertification ISC2 CISSPStudyPlan CISSPExam2026 InformationSecurity FreeExamPrep CISSPPracticeQuestions ITCertification CyberSecurity Timestamps: 0:00 - Introduction 0:04 - Key Facts &amp;amp; Stats 0:46 - Content Breakdown 1:27 - Hardest Topics 2:06 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Everything you need to know about real estate exam day what to bring, what to expect, and proven test-taking strategies. Key Points: Bring 2 forms of ID (government photo ID + secondary) Arrive 30 minutes early No phones, watches, calculators, or notes allowed 100-150 questions, 70-75% passing score Results are INSTANT at the testing center Use the 3-pass strategy for maximum score FREE Real Estate Practice Questions: https://open-exam-prep.com/exams/real-estate Start FREE Exam Prep: https://open-exam-prep.com Full Blog Post: https://open-exam-prep.com/blog/real-estate-exam-day-what-to-expect-2026 Recommended Real Estate Study Materials: Real Estate License Exam Prep 2025-2026 (2500+ Questions): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 PSI Real Estate Exam Prep 2025-2026 (3 Practice Tests): https://www.amazon.com/dp/1516728475?tag=openexamprep-20 Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 Affiliate Disclosure: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. RealEstateExam RealEstateLicense ExamDay RealEstateTest TestTakingTips RealEstate2026 FreeExamPrep RealEstateCareer PSIExam PearsonVUE Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:52 - Content Breakdown 1:46 - Hardest Topics 2:32 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Everything you need to know about FINRA continuing education requirements for 2026! Regulatory Element, Firm Element, MQP, NASAA EVEP, CE inactive status, and 2026 topic updates. FREE Securities Exam Practice: SIE Exam: https://open-exam-prep.com/exams/sie Series 7: https://open-exam-prep.com/exams/series7 Series 63: https://open-exam-prep.com/exams/series63 Series 65: https://open-exam-prep.com/exams/series65 Series 66: https://open-exam-prep.com/exams/series66 Full CE Guide: https://open-exam-prep.com/blog/finra-continuing-education-requirements-guide-2026 Recommended Study Books (affiliate): Kaplan SIE License Exam Manual (4th Edition): https://www.amazon.com/dp/107884772X?tag=openexamprep-20 Series 7 Study Guide 2025-2026 (750 Questions + 6 Full Exams): https://www.amazon.com/dp/1998805484?tag=openexamprep-20 Kaplan Series 65 License Exam Manual (12th Edition): https://www.amazon.com/dp/1078825327?tag=openexamprep-20 Disclosure: Some links above are affiliate links. If you purchase through them, we may earn a small commission at no extra cost to you. This helps us keep our study materials free! Key Facts: Regulatory Element: Annual, due Dec 31 each year Firm Element: Annual, firm-designed training CE Inactive = Cannot conduct ANY securities business MQP: Maintain qualifications up to 5 years after leaving NASAA EVEP: Extends Series 63/65/66 validity 2026 Topics: Reg BI, Crypto, AML, Cybersecurity, ESG FINRA ContinuingEducation CE2026 Securities Series7 SIE RegulatoryElement Free SecuritiesLicense Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 0:45 - Content Breakdown 1:40 - Hardest Topics 2:28 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Roughly 1 in 3 ServSafe Manager exam candidates fail on their first attempt. This video breaks down the 2026 pass rate data, reveals the most commonly missed topics, and gives you a clear action plan to pass the ServSafe Manager certification exam on your first try. Start FREE Practice: https://open-exam-prep.com/practice/servsafe-manager Full Guide: https://open-exam-prep.com/blog/servsafe-manager-pass-rate-2026 What Youll Learn: ServSafe Manager exam pass rates and failure statistics The most commonly missed food safety topics How to master time-temperature control questions Cross-contamination and HACCP study strategies FREE practice test resources for ServSafe preparation What to expect on exam day Recommended Study Materials: ServSafe Study Guide 2025-2026 (630+ Questions) - https://www.amazon.com/dp/B0FBKBR5Q2?tag=openexamprep-20 ServSafe Manager Exam Study Guide 2025-2026 - https://www.amazon.com/dp/B0DRHZ95ZF?tag=openexamprep-20 As an Amazon Associate, I earn from qualifying purchases at no additional cost to you. ServSafe ServSafeManager ServSafePassRate FoodSafetyExam ServSafe2026 FoodHandler ServSafeStudyGuide ServSafeTips RestaurantManagement FreeServSafePrep --- Open Exam Prep - FREE exam preparation for certifications &amp;amp; licensing exams. Subscribe for more exam prep tips and free study resources! Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 0:53 - Content Breakdown 1:41 - Hardest Topics 2:26 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>How much do ServSafe Manager certified professionals earn? Full salary breakdown by role, experience, location, and establishment type for 2026. FREE ServSafe Manager Practice: https://www.open-exam-prep.com/exams/servsafe-manager Full Salary Guide: https://www.open-exam-prep.com/blog/servsafe-manager-career-salary-2026 Recommended Study Materials: 1. ServSafe Study Guide 2025-2026 (630+ Questions + 7 Full Tests): https://www.amazon.com/dp/B0FBKBR5Q2?tag=openexamprep-20 2. ServSafe Manager Exam Study Guide 2025-2026 (835 Practice Questions): https://www.amazon.com/dp/B0DRHZ95ZF?tag=openexamprep-20 Affiliate Disclosure: Some links above are affiliate links. If you purchase through them, we may earn a small commission at no extra cost to you. This helps support free exam prep content. Key Facts: - Average Food Service Manager Salary: 61,000 - Director of F&amp;amp;B: 78K-110K+ - Healthcare &amp;amp; Corporate pay 15-25% more - Top-paying states: NY, CA, MA - 90 questions, 75% passing score ServSafe FoodServiceManager FoodSafety CareerGuide Salary2026 FreeExamPrep RestaurantManager Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:52 - Content Breakdown 1:44 - Hardest Topics 2:32 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>New Hampshire is one of the EASIEST states to become a notary no exam AND no surety bond required! Heres your complete step-by-step guide for 2026. Key Facts &amp;amp; Stats: No exam required just submit your application No surety bond required zero bonding costs! 5-year commission term Appointed by the Governor and Executive Council Application fee: 75 (Secretary of State) Must be a New Hampshire resident No mandatory education or training Remote Online Notarization (RON) authorized Maximum fee: 10 per notarial act Steps to Become a NH Notary: 1. Meet eligibility (18+, New Hampshire resident, US citizen) 2. Complete the application from the Secretary of States office 3. Submit application with 75 fee 4. Background review by Secretary of State 5. Appointment by Governor and Executive Council 6. Take the oath of office 7. Record your commission 8. Purchase notary stamp/seal and journal Why New Hampshire Is the Easiest: No exam = no study time needed No bond = 0 in bonding costs (saves 50-200/year vs. other states) Simple application = can be done in one sitting 5-year commission = long term before renewal RON authorized = earn money remotely No mandatory education = start the process immediately Total startup cost: 75-125 (application + supplies only) FREE New Hampshire Notary Guide: https://open-exam-prep.com/blog/new-hampshire-notary-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. NewHampshireNotary NotaryPublic HowToBecomeANotary NHNotary Notary2026 NoExamNotary NoBondNotary NotaryBusiness FreeNotaryGuide EasiestNotaryState Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:55</video:description>
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      <video:description>Property valuation = 15-20 questions on your exam. Master all 3 appraisal approaches, key formulas, and principles of value. Key Points: 12-14% of exam (15-20 questions, calculation-heavy!) DUST: Demand, Utility, Scarcity, Transferability 3 Approaches: Sales Comparison, Cost, Income ALWAYS adjust the comparable, NEVER the subject Cap Rate = NOI / Value (most tested formula) Market Value vs Market Price vs Cost FREE Real Estate Practice Questions: https://open-exam-prep.com/exams/real-estate Start FREE Exam Prep: https://open-exam-prep.com Full Blog Post: https://open-exam-prep.com/blog/real-estate-exam-property-valuation-appraisal-guide-2026 Recommended Real Estate Study Materials: Real Estate License Exam Prep 2025-2026 (2500+ Questions): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 PSI Real Estate Exam Prep 2025-2026 (3 Practice Tests): https://www.amazon.com/dp/1516728475?tag=openexamprep-20 Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 Affiliate Disclosure: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. RealEstateExam PropertyValuation Appraisal CapRate RealEstateAppraisal CMA RealEstate2026 FreeExamPrep RealEstateFormulas AppraisalMethods Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 0:44 - Content Breakdown 1:48 - Hardest Topics 2:35 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Your primary advocacy duty is to the autonomous patient, even when their wishes conflict with their family or the healthcare team. For non-verbal or vulnerable patients, advocacy means investigating physical causes for changes in behavior before accepting a psychological assumption. When questioning a providers order, you must follow a specific sequence: verify the order, consult a reference, and then contact the provider before escalating up the chain of command. The NCLEX tests advocacy through scenarios that require direct, decisive action passive choices like document and monitor are often incorrect. Use the mental shortcut Speak Up For Safety to remember your core advocacy role in protecting patients from harm and upholding their rights. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>The NLN NEX replaced the PAX in 2025 heres everything you need to know! This video covers the new format, all 3 sections, scoring changes, and study tips. FREE Nursing Exam Prep Resources: https://open-exam-prep.com Full Blog Post with Section-by-Section Breakdown: https://open-exam-prep.com/blog/nln-nex-nursing-entrance-exam-guide-2026 NLN NEX Quick Facts: 163 Total Items (3 Sections) Verbal: 58 Items / 60 Minutes Math: 45 Items / 60 Minutes Science: 60 Items / 60 Minutes Physics REMOVED (New!) Composite Percentile Scoring Who This Video Is For: Nursing school applicants Students transitioning from old NLN PAX Anyone preparing for nursing entrance exams More FREE Exam Prep Resources: https://open-exam-prep.com NLNNEX NursingExam NursingSchool NLNExam2026 NursingEntrance FreeExamPrep NursingStudent PreNursing NLNPAX NursingAdmissions Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:54 - Content Breakdown 1:48 - Hardest Topics 2:39 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>North Dakota lets you apply to become a notary entirely ONLINE no exam, no in-person visits. Heres your complete guide to getting commissioned in 2026. Key Facts &amp;amp; Stats: No exam required straightforward appointment process 100% online application through the Secretary of State website 7,500 surety bond required Bond cost: 50-75/year from a surety company 6-year commission term (longer than most states!) Application fee: 30 (Secretary of State) Must be a North Dakota resident or have regular place of work/business in ND No mandatory education or training Maximum fee: 5 per notarial act Remote Online Notarization (RON) authorized Steps to Become a ND Notary: 1. Meet eligibility (18+, ND resident or worker, no felony convictions) 2. Go to the ND Secretary of State website 3. Complete the online notary application 4. Obtain a 7,500 surety bond from an approved company 5. Upload bond and pay 30 application fee online 6. Receive your commission certificate 7. Take the oath of office 8. Purchase notary stamp and journal Why North Dakota Is Great for Notaries: Fully online application = no trips to government offices No exam = no study time needed 6-year commission = fewer renewals (saves time &amp;amp; money) Moderate bond = affordable annual cost RON authorized = serve clients remotely Agricultural &amp;amp; energy sector = steady demand for notary services Can process from start to finish in days, not weeks FREE North Dakota Notary Guide: https://open-exam-prep.com/blog/north-dakota-notary-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. NorthDakotaNotary NotaryPublic HowToBecomeANotary NDNotary</video:description>
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      <video:description>Nearly 30% of PTCE candidates fail on their first attempt. In this video, we analyze the latest 2026 PTCE pass rate data, identify the most common reasons candidates fail, and share 5 proven strategies to help you pass the Pharmacy Technician Certification Exam on your first try. Start FREE Practice: https://open-exam-prep.com/practice/ptce Full Guide: https://open-exam-prep.com/blog/ptce-pass-rate-2026 What Youll Learn: Current PTCE pass rates and historical trends The 5 biggest reasons candidates fail the PTCE Top 200 medications and pharmacology study tips How to master pharmacy law and regulation questions FREE practice test resources for PTCE preparation Time management strategies for the 2-hour exam Recommended Study Materials: PTCB Exam Study Guide 2025-2026 - https://www.amazon.com/dp/1637989423?tag=openexamprep-20 PTCB Exam Study Guide 2025-2026 All in One - https://www.amazon.com/dp/B0DVGW2TBP?tag=openexamprep-20 PTCB Exam Prep 2026-2027 Newstone - https://www.amazon.com/dp/1989726909?tag=openexamprep-20 As an Amazon Associate, I earn from qualifying purchases at no additional cost to you. PTCE PTCEPassRate PTCE2026 PharmacyTechExam PTCB PharmacyTechnician PTCEStudyGuide PTCETips FreePharmacyPrep CPhT --- Open Exam Prep - FREE exam preparation for certifications &amp;amp; licensing exams. Subscribe for more exam prep tips and free study resources! Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 0:59 - Content Breakdown 1:52 - Hardest Topics 2:35 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Oklahoma has the LOWEST notary bond in the entire country just 1,000! No exam required, and the total cost to get started is under 75. Heres your complete 2026 guide. Key Facts &amp;amp; Stats: No exam required just apply and get appointed Only 1,000 surety bond (THE LOWEST in the United States!) Bond cost: 10-20/year (cheapest bonding in any state) 4-year commission term Application fee: 25 (Secretary of State) Must be an Oklahoma resident Appointed by the Secretary of State No mandatory education or training Maximum fee: 5 per notarial act Total startup cost: Under 75 (application + bond + supplies) Steps to Become an OK Notary: 1. Meet eligibility (18+, Oklahoma resident, registered voter in OK) 2. Obtain a 1,000 surety bond from a bonding company 3. Complete application from the Secretary of State 4. Submit application, bond, and 25 fee 5. Receive your notary commission 6. Take the oath of office in your county 7. File your oath and bond with the County Clerk 8. Purchase your notary seal/stamp and journal Why Oklahoma Has the Best Deal: 1,000 bond = 10-20/year (vs. 10,000-50,000 in other states) No exam = no study time or test anxiety No education requirement = start immediately 25 application fee = one of the lowest in the nation Total startup under 75 = best ROI of any notary state Statewide jurisdiction = serve all 77 counties Oil &amp;amp; gas industry = high demand for notarized documents FREE Oklahoma Notary Guide: https://open-exam-prep.com/blog/oklahoma-notary-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. OklahomaNotary NotaryPublic HowToBecomeANotary OKNotary Notary2026 NoExamNot</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: To use IRS Tax Tables for taxable income under 100,000 and the Tax Computation Worksheet for income of 100,000 or more. When to use the Qualified Dividends and Capital Gain Tax Worksheet to apply preferential tax rates. Why the more complex Schedule D Tax Worksheet is required for situations like capital loss carryovers. How the exam tests the specific income thresholds that determine the correct calculation method. To spot common exam traps involving unrecaptured Section 1250 gain, which forces the use of the Schedule D Tax Worksheet. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Complete guide to becoming a Registered Respiratory Therapist (RRT) in 2026 education requirements, TMC exam details, salary by state, and career growth opportunities. FREE Healthcare Exam Prep Resources: https://open-exam-prep.com Full Blog Post with Salary Data &amp;amp; Study Plan: https://open-exam-prep.com/blog/how-to-become-respiratory-therapist-rrt-salary-2026 RRT Quick Facts: CoARC-Accredited Program Required TMC Exam: 160 Questions / 3 Hours / 190 Two Thresholds: CRT (Low) RRT (High) Clinical Simulation Exam (CSE): 200 Salary: 61K-86K/year Job Growth: 13% (Much Faster Than Average) Who This Video Is For: Students considering respiratory therapy Career changers entering healthcare CRT holders looking to upgrade to RRT More FREE Exam Prep Resources: https://open-exam-prep.com RespiratoryTherapist RRT TMCExam HealthcareCareer RespiratoryTherapy2026 NBRC ClinicalSimulation HealthcareSalary FreeExamPrep MedicalCareers Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 0:54 - Content Breakdown 1:46 - Hardest Topics 2:44 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Annuities Explained for the Insurance Exam 2 Hardest Topic on Life &amp;amp; Health (2026)</video:title>
      <video:description>Annuities are the 2 hardest topic on the Life &amp;amp; Health insurance exam and theyre worth 15-20% of your score. This video breaks down every annuity type, tax rule, and exam trap so you pass on your first attempt. Key Facts &amp;amp; Stats: Annuities = 15-20% of exam questions 55-65% first-time pass rate on L&amp;amp;H exam 4 main annuity types: Fixed, Variable, Indexed, Immediate Tax rule: LIFO for withdrawals before 59½ + 10% penalty Accumulation vs. Annuitization phase exam LOVES this distinction 1035 Exchange = tax-free swap between annuity contracts What Youll Learn: 1. Fixed vs. Variable vs. Indexed Annuities key differences 2. Accumulation Phase vs. Annuitization Phase 3. Payout Options: Life Only, Life with Period Certain, Joint &amp;amp; Survivor 4. Tax Treatment: Exclusion Ratio, LIFO rule, 10% penalty 5. 1035 Exchanges when they apply and when they dont 6. Suitability requirements and common exam traps 7. Surrender charge schedules and free-look periods FREE Life &amp;amp; Health Practice Questions: https://open-exam-prep.com/exams/life-health-national Full Study Guide: https://open-exam-prep.com/blog/life-insurance-exam-annuities-guide-2026 Ask Our AI Tutor Anything: https://open-exam-prep.com All Insurance Exam Guides: https://open-exam-prep.com/blog?category=insurance Recommended Study Books: Life &amp;amp; Health Insurance License Mastery (500 Questions): https://www.amazon.com/dp/1764327136?tag=openexamprep-20 Life &amp;amp; Health Study Guide (645 Questions): https://www.amazon.com/dp/B0DPNCBKJJ?tag=openexamprep-20 Life &amp;amp; Health Insurance Exam Prep 2025-2026: https://www.amazon.com/dp/B0DNXQGWZB?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. LifeAndHealthExam Annuities InsuranceExam InsuranceLicense AnnuityTypes ExamPrep2026 FreeExamPrep InsuranceAgent VariableAnnuity FixedAnnuity Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:49 - Content Breakdown 1:42 - Hardest Topics 2:38 - Study Strategy &amp;amp; Next Ste</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Identify conditions requiring Contact Precautions using the V-CHIPS mnemonic (VRE, C. diff, Herpes, Impetigo, Pediculosis, Scabies). Differentiate standard PPE (gown, gloves) from the absolute requirement of using soap and water for C. difficile. Understand the priority of a private room for patient placement and the specific rules for cohorting patients. Recognize the common NCLEX trap of when a surgical mask is NOT required for a patient in contact isolation. Master the procedures for using dedicated equipment and safely transporting patients to prevent cross-contamination. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The timeline and components of the seven federally protected classes including the 1974 and 1988 amendments The distinction between race and color and how the Civil Rights Act of 1866 interacts with modern laws How to identify familial status protections for pregnant women and families with children under eighteen The difference between reasonable accommodations and reasonable modifications for tenants with disabilities How to avoid common exam traps involving non-protected classes like age and marital status using the FRESH CORN mnemonic For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Side-by-side comparison of 5 entry-level healthcare certifications in 2026: CNA, LPN, Medical Assistant, Phlebotomy, and HHA. Training time, cost, salary, job growth, and career paths. FREE CNA Practice: https://www.open-exam-prep.com/exams/cna FREE Phlebotomy Practice: https://www.open-exam-prep.com/exams/phlebotomy Full Comparison Guide: https://www.open-exam-prep.com/blog/cna-vs-other-certifications-2026 Recommended Study Materials: 1. CNA Study Guide 2025-2026 (560 Questions + 8 Exams): https://www.amazon.com/dp/1998805441?tag=openexamprep-20 2. CNA Ultimate Study Guide 2025-2026: https://www.amazon.com/dp/B0DWN24HZK?tag=openexamprep-20 3. NHA Phlebotomy Study Guide 2026-2027 (1200 Questions): https://www.amazon.com/dp/199880514X?tag=openexamprep-20 Affiliate Disclosure: Some links above are affiliate links. If you purchase through them, we may earn a small commission at no extra cost to you. This helps support free exam prep content. Key Facts: - CNA: 4-12 weeks, 39,530/yr median - LPN: 12-18 months, 59,730/yr (highest salary) - MA: 9-12 months, 14% job growth - Phlebotomy: 4-8 weeks, 41,810/yr - HHA: 1-4 weeks, 22% job growth (highest) CNA LPN MedicalAssistant Phlebotomy HealthcareCareers 2026 FreeExamPrep Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 1:05 - Content Breakdown 1:52 - Hardest Topics 2:45 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Welcome to the ultimate SIE Exam Prep playlist by Open Exam Preparation! This video introduces everything inside our complete, FREE Securities Industry Essentials study playlist. Whats in this playlist: 60 Podcast Episodes Full SIE curriculum from Episode 1 to 60 80+ Glossary Term Explainers Quick breakdowns of key finance terms Study Guides Complete topic breakdowns and exam overviews Exam Strategies How to pass the SIE on your first try Last-Minute Review All formulas and key concepts in 10 minutes Practice Tips Where to find free questions and mock exams SIE Exam Content Breakdown: Knowledge of Capital Markets: 16% (Episodes 110) Products and Their Risks: 44% (Episodes 1142) Trading, Accounts &amp;amp; Prohibited Activities: 31% (Episodes 4456) Regulatory Framework: 9% (Episodes 5760) Timestamps: 0:00 - Introduction 0:06 - Whats in This Playlist 0:57 - SIE Exam Content Breakdown 2:01 - Study Resources &amp;amp; Strategies 2:41 - Get Started &amp;amp; Next Steps Recommended SIE Study Books: Kaplan SIE License Exam Manual (4th Edition): https://www.amazon.com/dp/107884772X?tag=openexamprep-20 Kaplan SIE Self-Study Package (4th Edition): https://www.amazon.com/dp/1078851123?tag=openexamprep-20 SIE Exam Prep 2025-2026 (510 Questions + 6 Full Exams): https://www.amazon.com/dp/B0CN252KP9?tag=openexamprep-20 SIE Exam Prep 2025-2026 with Audiobook Access: https://www.amazon.com/dp/1637758073?tag=openexamprep-20 Free SIE practice questions, flashcards, and AI-powered study tools: https://open-exam-prep.com/practice/sie Full SIE Playlist: https://www.youtube.com/playlist?list=PLi1e52n1YnBRGvlIWgnDLCSgmjYXRnlAD Start FREE Practice: https://open-exam-prep.com This playlist is made by Open Exam Preparation. All content is 100% free no paywalls, no subscriptions. Just quality exam prep to help you pass. (Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases. This helps support the channel at no extra cost to you.) SIE SIEExam SIEExamPrep SecuritiesExam FINRA FreeExamPrep ExamPrep2026 OpenExamPre</video:description>
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      <video:title>How Long to Study for EA Exam 2026 (100-200 Hours Guide)</video:title>
      <video:description>How many hours do you need to study for the EA exam? This video breaks down study time by part, provides 3 sample schedules, and shares tips to pass the Enrolled Agent exam efficiently. Read the full guide: https://open-exam-prep.com/blog/how-long-to-study-for-ea-exam-2026 FREE EA Practice Questions: https://open-exam-prep.com/exams/ea Recommended Study Books (affiliate links helps support free content): EA Exam Guide 2025-2026 (Caldwell): https://www.amazon.com/dp/B0DV9RLBVP?tag=openexamprep-20 EA Exam Prep 2025-2026 (600 Questions): https://www.amazon.com/dp/B0FCSHGRF8?tag=openexamprep-20 Key Facts: Total study time: 100-200 hours Part 1 (Individuals): 40-60 hours Part 2 (Businesses): 50-70 hours (most time) Part 3 (Representation): 30-50 hours Most pass all 3 parts in 3-6 months Testing window: May 1 - Feb 28 EAExam EnrolledAgent EAStudyPlan TaxProfessional IRS SEEExam StudyGuide FreeExamPrep Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:58 - Content Breakdown 1:54 - Hardest Topics 2:43 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Discharge planning is a priority that begins on admission, not just on the day of discharge. The NCLEX tests your ability to differentiate the specific roles of the RN, case manager, and social worker in patient transitions. Your primary role as the RN in care coordination is managing the clinical aspects of care, such as patient education and medication reconciliation. For socioeconomic barriers to care, such as a patient being unable to afford medication, the social worker is the appropriate referral. Use the I-PASS mnemonic (Illness severity, Patient summary, Action list, Situation awareness, Synthesis) to structure safe patient handoffs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical differences between left-sided (pulmonary) and right-sided (systemic) heart failure symptoms for exam questions. Why placing a patient in the high Fowlers position is the immediate priority for acute dyspnea in heart failure. How the NCLEX tests fluid monitoring and why daily weight is the most reliable indicator over intake and output. Key lab values like BNP and essential medication safety points for drugs like diuretics, ACE inhibitors, and digoxin. A simple mnemonic, LEFT LUNGS, RIGHT REST, to quickly differentiate between the two types of heart failure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>The best cosmetology exam study books for 2026! We review the top 3 study guides to help you pass your state board cosmetology exam on the first try. Plus, get FREE practice questions to test your knowledge. Cosmetology Exam Quick Facts: Covers hair, skin, nails, and salon management Written + practical exam components State-specific licensing requirements vary Milady is the industry-standard textbook publisher FREE Cosmetology Practice Questions: https://open-exam-prep.com/exams/cosmetology FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Milady Standard Cosmetology Exam Prep 14th Edition: https://www.amazon.com/dp/0357379101?tag=openexamprep-20 Mometrix Cosmetology Exam Practice Questions: https://www.amazon.com/dp/1630940100?tag=openexamprep-20 Milady Standard Cosmetology Exam Review 13th Edition: https://www.amazon.com/dp/1285769554?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. Cosmetology StateBoard CosmetologyExam Milady BeautySchool ExamPrep StudyBooks 2026 Free CosmetologyStudent HairStylist Esthetician Timestamps: 0:00 - Introduction 0:08 - Key Facts &amp;amp; Stats 0:55 - Content Breakdown 2:00 - Hardest Topics 2:45 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Enrolled Agent Exam Part 1 57, Underpayment Penalties and Exceptions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The underpayment penalty applies if a taxpayer pays less than the safe harbor amount, which is generally 90% of the current years tax or 100% of the prior years tax (110% for high-income taxpayers). The annualized income installment method is crucial for taxpayers with uneven income streams, as it calculates required payments based on when income was actually earned. The exam tests specific penalty exceptions, including recent retirement after age 62, becoming disabled, or experiencing a casualty or natural disaster. A reasonable cause waiver can be requested if the underpayment was not due to willful neglect, but this is a high standard to meet and requires detailed explanation. Remember the mnemonic Dont Despair, Retire with Reason to recall the key exceptions for the underpayment penalty: Disaster, Disability, Retirement, and Reasonable Cause. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Ordinary income is income taxed at regular marginal tax rates (10% to 37%), including wages, salaries, interest, short-term capital gains, non-qualified dividends, and business income. Unlike long-term capital gains and qualified dividends, ordinary income does not receive preferential tax treatment. Learn more about Ordinary Income and other key terms for your SIE, SERIES7, SERIES65 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65 Full glossary: https://www.open-exam-prep.com/glossary Ordinary Income definition: https://www.open-exam-prep.com/glossary/ordinary-income Exam Tip: Ordinary income = taxed at marginal rates (10%-37%). Short-term gains (held 1 year or less) are taxed as ordinary income. Long-term gains and qualified dividends get preferential rates (0%, 15%, 20%). --- securities examprep financeexam sie series7 series65</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to identify critical lab values, such as hyperkalemia, that require immediate nursing intervention and provider notification. The direct link between abnormal sodium levels and the priority nursing action of implementing seizure precautions for patient safety. Why interpreting trends in lab values, like a post-operative drop in hemoglobin, is crucial for detecting complications like internal bleeding. The correct response to a supratherapeutic INR for a patient on warfarin, which includes holding the dose and contacting the provider. How the NCLEX tests clinical judgment by requiring you to connect a lab result to a specific risk and prioritize the most immediate, life-saving action. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>What is the EA exam pass rate in 2026? This video breaks down pass rates by part (Part 2 is hardest at 60-65%), compares EA vs CPA, and shares strategies to improve your odds. Read the full guide: https://open-exam-prep.com/blog/ea-exam-pass-rate-2026 FREE EA Practice Questions: https://open-exam-prep.com/exams/ea Recommended Study Books (affiliate links helps support free content): EA Exam Guide 2025-2026 (Caldwell): https://www.amazon.com/dp/B0DV9RLBVP?tag=openexamprep-20 EA Exam Prep 2025-2026 (600 Questions): https://www.amazon.com/dp/B0FCSHGRF8?tag=openexamprep-20 Key Facts: Overall EA pass rate: 70% Part 1 (Individuals): 72% Part 2 (Businesses): 60-65% (hardest) Part 3 (Representation): 80-85% (easiest) Passing score: 105/130 206 per part, 100 questions, 3.5 hours EAExam EnrolledAgent EAExamPrep TaxProfessional IRS SEE ExamPrep FreeStudyGuide Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:55 - Content Breakdown 1:52 - Hardest Topics 2:51 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical difference between Droplet and Airborne precautions and why a surgical mask is used, not an N95. How to apply the SPIDERMAN mnemonic to quickly identify conditions requiring Droplet Precautions. NCLEX-style rules for patient placement, including when to use a private room versus cohorting patients. The priority nursing action when admitting a patient with a suspected droplet-transmitted illness. Proper PPE and procedures for safely transporting a patient who is on Droplet Precautions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Choosing between the ExCPT and PTCE for your pharmacy technician certification? Both exams lead to the CPhT credential, but they differ in cost, format, difficulty, and employer preference. This head-to-head comparison breaks down everything you need to know to make the right choice in 2026. Start FREE Practice: ExCPT Practice: https://open-exam-prep.com/practice/excpt PTCE Practice: https://open-exam-prep.com/practice/ptce Full Guide: https://open-exam-prep.com/blog/excpt-vs-ptce-2026 What Youll Learn: Key differences between ExCPT (NHA) and PTCE (PTCB) Cost comparison and exam format breakdown Which exam is easier to pass Employer preferences and state requirements How to decide which exam is right for your career goals FREE practice resources for both exams Recommended Study Materials: Newstone ExCPT Study Guide 2025-2026 - https://www.amazon.com/dp/1998805611?tag=openexamprep-20 PTCB Exam Study Guide 2025-2026 - https://www.amazon.com/dp/1637989423?tag=openexamprep-20 As an Amazon Associate, I earn from qualifying purchases at no additional cost to you. ExCPT PTCE ExCPTvsPTCE PharmacyTechExam NHA PTCB PharmacyTechnician CPhT PharmacyTechCertification WhichPharmacyExam --- Open Exam Prep - FREE exam preparation for certifications &amp;amp; licensing exams. Subscribe for more exam prep tips and free study resources! Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 1:03 - Content Breakdown 2:06 - Hardest Topics 2:48 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 25, Vital Signs Assessment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Distinguish between normal vital sign ranges for pediatric, adult, and geriatric patients to avoid clinical errors. Identify the critical error of using an incorrectly sized blood pressure cuff and its impact on readings. Understand when to take an apical pulse versus a radial pulse, especially concerning cardiac medications. Recognize that a normal oxygen saturation reading can be dangerously misleading in specific clinical situations like carbon monoxide poisoning. Prioritize patient trends over single vital sign readings to detect early signs of clinical deterioration. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate between the S3 and S4 heart sounds and their significance in heart failure and hypertension. The correct procedure for assessing Jugular Venous Distension (JVD) and why patient positioning is a common exam trap. How to distinguish between the clinical presentations of right-sided versus left-sided heart failure for scenario-based questions. To identify priority assessment findings that signal acute cardiovascular compromise over chronic, stable conditions. A mental shortcut for prioritizing interventions: Circulation Before Documentation, to focus on action over charting in critical situations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The standard physical assessment sequence is Inspection, Palpation, Percussion, and Auscultation (IPPA). The abdominal assessment sequence is different: Inspect, Auscultate, Percuss, Palpate (IAPP) to avoid altering bowel sounds. Use the mnemonic I Am Perplexed, Pal to remember the correct IAPP abdominal assessment order for the NCLEX. The exam will test your ability to identify the most critical abnormal finding, such as new-onset lung crackles in a heart failure patient. NCLEX questions on documentation require you to select objective, measurable data over subjective interpretations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The patients self-report of pain is the most reliable indicator and always takes priority over objective signs like vital signs. How to select the appropriate pain scale based on the patients age and communication ability, such as FACES for children or FLACC for non-verbal patients. The absolute priority nursing assessment before and after administering opioids is respiratory status, not secondary side effects like constipation. Why a patients history of substance use disorder does not justify withholding pain medication for acute pain. The principle of double effect in end-of-life care, where the primary goal of providing comfort justifies opioid administration even if it carries a risk of respiratory depression. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Enrolled Agent Exam Part 1 53, Net Investment Income Tax (NIIT)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: NIIT is a 3.8% tax calculated on the lesser of net investment income or the excess of Modified AGI over specific thresholds. The critical MAGI thresholds to memorize are 250,000 for Married Filing Jointly, 200,000 for Single/Head of Household, and 125,000 for Married Filing Separately. Investment income includes interest, dividends, capital gains, and passive rental income, but crucially excludes wages, active business income, and tax-exempt interest. A major exam trap is miscalculating the tax base it is not always the full amount of net investment income. Taxpayers qualifying as real estate professionals who materially participate can treat their rental income as non-passive, thereby avoiding the NIIT on that income. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Enrolled Agent Exam Part 1 45, Education Credits - Lifetime Learning Credit</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The Lifetime Learning Credit is capped at 2,000 per tax return, not per student. Qualified expenses are strictly limited to tuition and fees required for enrollment, differing from other education credits. The LLC is a non-refundable credit, meaning it can only reduce tax liability to zero and no portion is paid out as a refund. Unlike the AOTC, the LLC can be claimed for an unlimited number of years, making it suitable for graduate or professional development courses. Taxpayers cannot claim both the LLC and the American Opportunity Tax Credit (AOTC) for the same student in the same tax year. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Hypocalcemia and hypomagnesemia present with neuromuscular excitability, including positive Trousseaus and Chvosteks signs, tetany, and seizures. Hypercalcemia and hypermagnesemia cause neuromuscular depression, leading to muscle weakness, lethargy, and decreased deep tendon reflexes. Calcium has an inverse relationship with phosphorus if one is high, the other is typically low, a common point of confusion on exams. The priority nursing intervention for severe hypermagnesemia is monitoring for respiratory depression and having the antidote, calcium gluconate, available. Common causes tested on the NCLEX include thyroidectomy for hypocalcemia, bone cancer for hypercalcemia, alcoholism for hypomagnesemia, and renal failure for hypermagnesemia. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>How to pass the NREMT EMT exam in 2026. Covers the new question types (drag-and-drop, multiple-select, hot spot), updated domain weights, adaptive testing strategy, and a 6-week study plan. Read the full guide: https://open-exam-prep.com/blog/nremt-emt-exam-guide-2026 FREE NREMT Practice: https://open-exam-prep.com/exams/nremt Recommended Study Books (affiliate links helps support free content): NREMT Study Guide 2025-2026 (2 Practice Tests, 7th Edition): https://www.amazon.com/dp/1637985193?tag=openexamprep-20 Key Facts: Major format change April 2025 New question types: drag-and-drop, multiple-select, hot spot Computer Adaptive Test: 70-120 questions Primary Assessment = 39-43% of exam Treatment &amp;amp; Transport = 20-24% Fewer questions often means you passed NREMT EMTExam EMT EMS NREMTExam Paramedic EmergencyMedicine FreeStudyGuide Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 0:53 - Content Breakdown 1:54 - Hardest Topics 2:53 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>How to pass the CPC medical coding exam in 2026. Learn the open-book strategy top scorers use: book tabbing, the 3-pass time management method, and a 10-week study schedule. Read the full guide: https://open-exam-prep.com/blog/cpc-medical-coding-exam-guide-2026 FREE CPC Practice: https://open-exam-prep.com/exams/cpc Recommended Study Books (affiliate links helps support free content): Official CPC Certification 2025 Study Guide (AAPC): https://www.amazon.com/dp/B0DZHYW2YL?tag=openexamprep-20 Key Facts: First-time pass rate: 50% 100 questions, 4 hours, open-book Passing score: 70% Cost: 425-499 + 222 AAPC membership Study time: 150-200 hours over 10 weeks Entry salary: 42K-48K (92% remote-capable) CPCExam MedicalCoding AAPC CPCExamPrep MedicalCodingExam CodingCertification HealthcareCareers FreeStudyGuide Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 0:54 - Content Breakdown 1:59 - Hardest Topics 2:53 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Which ASVAB subtests are the hardest? We rank all 10 ASVAB sections from most to least difficult based on test-taker data, failure patterns, and content complexity. Whether youre struggling with Math Knowledge, Mechanical Comprehension, or Electronics Information, this guide helps you focus your study time where it matters most. Start FREE Practice: https://open-exam-prep.com/practice/asvab Full Guide: https://open-exam-prep.com/blog/asvab-hardest-sections-ranked-2026 What Youll Learn: Complete ranking of all 10 ASVAB subtests by difficulty Why Mechanical Comprehension and Electronics trip up most test-takers Which subtests count toward your AFQT score Targeted study strategies for the hardest sections How to allocate study time based on difficulty and importance FREE practice resources for every ASVAB subtest Recommended Study Materials: Kaplan ASVAB Total Prep 2025-2026 - https://www.amazon.com/dp/150629720X?tag=openexamprep-20 Kaplan ASVAB Premium Prep 2025-2026 - https://www.amazon.com/dp/1506297188?tag=openexamprep-20 ASVAB For Dummies 2025-2026 - https://www.amazon.com/dp/1394323468?tag=openexamprep-20 As an Amazon Associate, I earn from qualifying purchases at no additional cost to you. ASVAB ASVABHardestSections ASVABSubtests ASVABDifficulty ASVAB2026 AFQT MathKnowledge MechanicalComprehension MilitaryExam ASVABTips --- Open Exam Prep - FREE exam preparation for certifications &amp;amp; licensing exams. Subscribe for more exam prep tips and free study resources! Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 0:55 - Content Breakdown 1:58 - Hardest Topics 2:51 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>LPN Salary 2026: Pay by State, Specialties &amp;amp; Career Advancement Guide</video:title>
      <video:description>What do LPNs and LVNs really earn in 2026? This comprehensive guide covers LPN salary data by state, specialty, and experience level, plus career advancement paths like LPN-to-RN bridge programs that can significantly boost your earning potential. Make informed decisions about your nursing career. Start FREE Practice: https://open-exam-prep.com/practice/nclex-pn Full Guide: https://open-exam-prep.com/blog/lpn-salary-career-2026 What Youll Learn: Average LPN/LVN salary nationwide in 2026 Highest-paying states and metro areas for LPNs Salary differences by specialty and work setting LPN to RN bridge programs and career ladder options How experience and certifications affect your pay Job outlook and demand projections for LPNs Recommended Study Materials: Next Gen NCLEX-PN Study Guide 2025-2026 - https://www.amazon.com/dp/1998805549?tag=openexamprep-20 Illustrated Study Guide for the NCLEX-PN - https://www.amazon.com/dp/0323760023?tag=openexamprep-20 As an Amazon Associate, I earn from qualifying purchases at no additional cost to you. LPNSalary LVNSalary LPNCareer LPNPayByState LPNvsLVN NursingSalary LPNtoRN NursingCareerLadder NCLEXPN HealthcareCareer2026 --- Open Exam Prep - FREE exam preparation for certifications &amp;amp; licensing exams. Subscribe for more exam prep tips and free study resources! Timestamps: 0:00 - Introduction 0:08 - Key Facts &amp;amp; Stats 1:08 - Content Breakdown 2:04 - Hardest Topics 2:52 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 34, Musculoskeletal Assessment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Neurovascular assessment, using the 5 Ps, is the absolute priority for patients with fractures or casts to detect compartment syndrome early. Muscle strength is graded on a 0-5 scale, and this grade directly determines the appropriate level of mobility assistance and safe handling techniques. For patients with joint replacements, preventing dislocation through specific positioning precautions is a key nursing responsibility tested on the exam. The mnemonic COAL (Cane Opposite Affected Leg) is a critical shortcut for questions about the correct use of mobility aids. Differentiating between active (patient-led) and passive (nurse-led) range of motion is essential for understanding care goals like preventing contractures versus building strength. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 33, Integumentary Assessment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical difference between blanchable and non-blanchable erythema for identifying a Stage 1 pressure injury. How to differentiate pressure injury stages based on visible tissue, such as subcutaneous fat in Stage 3 versus exposed bone in Stage 4. How to use the REEDA mnemonic (Redness, Edema, Ecchymosis, Drainage, Approximation) to assess surgical incisions for signs of infection. Why a lower score on the Braden Scale indicates a higher risk for skin breakdown, guiding preventative nursing interventions. That skin tenting when assessing turgor is a key exam indicator for dehydration or fluid volume deficit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Enrolled Agent Exam Part 1 47, Adoption Credit and Employer-Provided Benefits</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The adoption credit is a nonrefundable credit with a five-year carryforward for unused amounts, reported on Form 8839. You cannot claim both the tax credit and the income exclusion for employer-provided assistance for the same adoption expenses. For a domestic adoption, the credit for expenses paid before the finalization year is claimed in the year AFTER payment. For a foreign adoption, all expenses are claimed only in the year the adoption becomes final. A domestic adoption of a child with special needs allows the taxpayer to claim the maximum credit amount, regardless of actual expenses paid. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: EITC is the largest refundable tax credit, providing a refund even with zero tax liability. The 2025 investment income limit is a strict 11,950 cliff exceeding it by one dollar means zero credit. A qualifying child must meet four specific tests: Relationship, Age, Residency, and Joint Return (R-A-R-J). Taxpayers must satisfy separate limits for both their earned income and their Adjusted Gross Income (AGI). Taxpayers without a qualifying child can be eligible, but they must be between the ages of 25 and 65. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>The best Enrolled Agent (EA) exam study books for 2026! We review the top 3 study guides to help you pass all three parts of the IRS Special Enrollment Examination. Plus, get FREE EA practice questions. Enrolled Agent Exam Quick Facts: 3-part exam (Individuals, Businesses, Representation) 100 questions per part, 3.5 hours each Administered by Prometric testing centers EA is the highest credential awarded by the IRS FREE EA Practice Questions: https://open-exam-prep.com/exams/ea FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Caldwell Enrolled Agent Exam Study Guide: https://www.amazon.com/dp/B0DV9RLBVP?tag=openexamprep-20 SkillPrep Enrolled Agent Exam Prep: https://www.amazon.com/dp/B0FCSHGRF8?tag=openexamprep-20 Test Prep EA Exam Study Cards: https://www.amazon.com/dp/1637757689?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. EnrolledAgent EAExam IRS TaxExam TaxProfessional ExamPrep StudyBooks 2026 Free TaxSeason SEE EnrolledAgentExam TaxPrep Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:06 - Content Breakdown 2:05 - Hardest Topics 2:59 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The fundamental difference between a call option and a put option. - The specific rights of an option buyer versus the obligations of an option seller. - How to define and apply key terms like strike price, premium, and expiration. - The market outlooks associated with buying and selling calls and puts. - How to avoid common exam traps, like forgetting the 100-share multiplier in calculations. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The Child Tax Credit for 2025 increases to 2,200 per child under the One Big Beautiful Bill. How to apply the CARES mnemonic to determine if a child is a qualifying child for the credit. How the credit is reduced by 50 for every 1,000 of income over the 200,000 (Single) or 400,000 (MFJ) thresholds. The rules for the refundable Additional Child Tax Credit (ACTC), which is capped at 1,700 per child. That a taxpayer must have at least 2,500 in earned income to claim the refundable portion of the credit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Pass the Enrolled Agent exam on your first attempt with this part-by-part strategy guide. Covers Part 1 (Individuals), Part 2 (Businesses), Part 3 (Representation), common mistakes, and exam day tips. Read the full guide: https://open-exam-prep.com/blog/how-to-pass-ea-exam-first-try-2026 FREE EA Practice Questions: https://open-exam-prep.com/exams/ea Recommended Study Books (affiliate links helps support free content): EA Exam Guide 2025-2026 (Caldwell): https://www.amazon.com/dp/B0DV9RLBVP?tag=openexamprep-20 EA Exam Prep 2025-2026 (600 Questions): https://www.amazon.com/dp/B0FCSHGRF8?tag=openexamprep-20 Key Facts: First-time pass rate: 60-70% per part 100 questions per part (15 unscored) 3.5 hours per part, 2 min/question Save 600+ by passing all 3 parts first try Study plan: 6-8 weeks per part Part 2 (Businesses) is the hardest EAExam EnrolledAgent EAExamPrep TaxProfessional IRS PassEAExam ExamTips FreeStudyGuide Timestamps: 0:00 - Introduction 0:04 - Key Facts &amp;amp; Stats 0:58 - Content Breakdown 2:07 - Hardest Topics 3:01 - Study Strategy &amp;amp; Next Steps</video:description>
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    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-39-sodium-imbalances</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 39, Sodium Imbalances</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Sodiums primary role is regulating fluid balance and neurological function imbalances manifest as critical neurological changes. Hyponatremia (low sodium) is often caused by water gain, as seen in SIADH, leading to cerebral edema with symptoms like confusion and seizures. Hypernatremia (high sodium) is typically caused by water loss, as seen in Diabetes Insipidus, causing brain cell shrinkage with symptoms like lethargy and agitation. The priority nursing action for severe sodium imbalances is ensuring patient safety, focusing on seizure precautions and frequent neurological assessments. A key exam concept is the danger of rapid correction. Remember: Low to high, the pons will die high to low, the brain will blow. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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    <loc>https://videos.open-exam-prep.com/v/sie-24-bond-risks-interest-rate-and-credit</loc>
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      <video:title>SIE 24, Bond Risks - Interest Rate and Credit</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - How interest rate changes inversely affect existing bond prices. - Using duration to measure a bonds price sensitivity to interest rate risk. - The two key factors that increase a bonds duration and price volatility. - The function of credit rating agencies in assessing an issuers default risk. - The critical difference between investment-grade and speculative-grade (junk) bonds. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-11-hipaa-and-patient-confidentiality</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 11, HIPAA and Patient Confidentiality</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to identify Protected Health Information (PHI) in complex NCLEX-style scenarios. The minimum necessary standard and how it applies to conversations with colleagues and family members. Why discussing patient details in public areas like elevators or cafeterias constitutes a common HIPAA violation tested on the exam. The critical risks of social media posts, even when patient names are omitted, and how this is framed in exam questions. A simple mnemonic, When in doubt, dont give it out, to navigate tricky situations involving requests for patient information. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Enrolled Agent Exam Part 1 33, State and Local Tax (SALT) Deduction</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The SALT deduction is capped at 10,000 per household, or 5,000 for Married Filing Separately taxpayers. The cap applies to the combined total of state/local income (or sales) taxes, real property taxes, and personal property taxes. Property taxes on business or rental properties are fully deductible on business schedules (like Schedule E) and are not subject to the personal SALT cap. Taxpayers must elect to deduct either state and local income taxes or state and local sales taxes, not both. State Pass-Through Entity Tax (PTET) elections are a workaround that shifts the tax payment to the business entity, bypassing an individuals 10,000 limit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Enrolled Agent Exam Part 1 28, Student Loan Interest Deduction</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The student loan interest deduction is an above-the-line adjustment, available even if you dont itemize. The maximum deduction is the lesser of 2,500 or the actual interest paid per return, per year. The deduction is subject to strict Modified Adjusted Gross Income (MAGI) phase-out rules that are frequently tested. Only the person legally obligated to repay the loan can claim the deduction, regardless of who actually makes the payment. A loan only qualifies if it was for an eligible student, enrolled at least half-time, at an eligible educational institution. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>How to Become a Notary in Rhode Island 2026 Open-Book Online Assessment + No Bond Required!</video:title>
      <video:description>Rhode Island makes it easy with an open-book Knowledge Assessment you can take online and NO bond required! Pass with 80% and youre on your way. Heres your complete 2026 guide. Key Facts &amp;amp; Stats: Knowledge Assessment required open-book and taken online Passing score: 80% or higher No surety bond required saves you money every year 4-year commission term Must be a Rhode Island resident Must be 18 years or older Application fee: 30 Must not have been convicted of a felony Remote Online Notarization (RON) authorized Maximum fee: 5 per notarial act Steps to Become a RI Notary: 1. Meet eligibility requirements (18+, RI resident, no felony convictions) 2. Complete the online Knowledge Assessment (open-book) 3. Score 80% or higher on the assessment 4. Submit your application to the Secretary of State 5. Pay the application fee (30) 6. Receive your commission from the Secretary of State 7. Take the oath of office 8. Purchase your notary stamp/seal and journal Why Rhode Island Is Great for Notaries: Open-book assessment = less stress, study at your own pace No bond = lower startup and renewal costs Online assessment = no travel required, take it from home 4-year commission = reasonable renewal cycle High demand: Providence metro, college campuses, real estate FREE Rhode Island Notary Guide: https://open-exam-prep.com/blog/rhode-island-notary-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. RhodeIslandNotary NotaryPublic HowToBecomeANotary RINotary Notary2026 OpenBookExam NoBondNotary NotaryBusiness FreeNotaryGuide Timestamps: 0:00 - Introduction 0:10 - Key Facts &amp;amp; Stats 1:10 - Content Bre</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 50, Pain Medications</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate between acetaminophen and NSAIDs based on patient comorbidities like liver disease or GI bleeding risks. The priority nursing assessment and intervention for opioid-induced respiratory depression, the most critical side effect. The number one safety rule for Patient-Controlled Analgesia (PCA) pumps that frequently appears on the exam. Why adjuvant medications like gabapentin are used for neuropathic pain instead of traditional analgesics. The critical difference between physical dependence and addiction to avoid the common exam trap of undertreating pain. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-44-education-credits-american-opportunity-credit</loc>
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      <video:title>Enrolled Agent Exam Part 1 44, Education Credits - American Opportunity Credit</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The AOTC is worth up to 2,500 per student, calculated as 100% of the first 2,000 and 25% of the next 2,000 in expenses. Qualified expenses include tuition, fees, and required course materials, but specifically exclude room, board, and transportation. The credit is only available for a students first four years of post-secondary education and they must be enrolled at least half-time. If a student is a dependent, only the taxpayer who claims them can receive the AOTC, regardless of who paid the expenses. Up to 1,000 (40%) of the AOTC is refundable, meaning a taxpayer can receive it even if they owe no tax. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>200</video:duration>
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      <video:title>Pharmacy Technician Salary 2026: How Much Do CPhTs Really Earn?</video:title>
      <video:description>How much do pharmacy technicians really make in 2026? We break down CPhT salaries by state, work setting, experience level, and certification status. Whether youre considering a pharmacy tech career or looking to boost your current pay, this video has the salary data and career tips you need. Start FREE Practice: https://open-exam-prep.com/practice/ptce Full Guide: https://open-exam-prep.com/blog/pharmacy-tech-salary-2026 What Youll Learn: Average pharmacy technician salary nationwide in 2026 Highest-paying states for pharmacy techs Salary differences: retail vs. hospital vs. specialty pharmacy How PTCE/ExCPT certification impacts your pay Career advancement paths to increase your earning potential Entry-level vs. experienced pharmacy tech salary comparison Recommended Study Materials: PTCB Exam Study Guide 2025-2026 - https://www.amazon.com/dp/1637989423?tag=openexamprep-20 PTCB Exam Study Guide 2025-2026 All in One - https://www.amazon.com/dp/B0DVGW2TBP?tag=openexamprep-20 Newstone ExCPT Study Guide 2025-2026 - https://www.amazon.com/dp/1998805611?tag=openexamprep-20 As an Amazon Associate, I earn from qualifying purchases at no additional cost to you. PharmacyTechSalary PharmacyTechnicianSalary CPhTSalary PharmacyTechCareer PharmacyTechnician2026 HowMuchPharmacyTechsMake PharmacyTechPay PTCE HealthcareSalary PharmacyCareer --- Open Exam Prep - FREE exam preparation for certifications &amp;amp; licensing exams. Subscribe for more exam prep tips and free study resources! Timestamps: 0:00 - Introduction 0:09 - Key Facts &amp;amp; Stats 1:09 - Content Breakdown 2:08 - Hardest Topics 3:01 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Enrolled Agent Exam Part 1 24, Adjustments to Income - Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Adjustments to income, or above-the-line deductions, reduce your Adjusted Gross Income (AGI), the most critical number for determining tax benefits. A lower AGI can increase eligibility for numerous tax credits and deductions that have income limitations. The exam frequently tests specific deduction limits, such as the 300 for educator expenses and the 2,500 for student loan interest. A common exam trap for the self-employed is knowing to deduct only one-half of the self-employment taxes paid, not the full amount. You can claim adjustments to income even if you also take the standard deduction, unlike itemized deductions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - Variable life insurance is a permanent policy combining a death benefit with investment options. - Premiums are fixed, with a portion funding the insurance and the rest invested in a separate account chosen by the policyholder. - The policys cash value fluctuates based on the performance of the chosen subaccounts and is not guaranteed. - The death benefit has a guaranteed minimum (the policys face amount) but can increase with positive investment performance. - The policyholder, not the insurance company, assumes the investment risk for the potential of higher returns on the cash value. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:description>Complete HESI A2 guide for 2026. Learn score requirements by program type (ADN, BSN, ABSN), sections ranked by difficulty, and a 4-week study plan weighted by section difficulty. Read the full guide: https://open-exam-prep.com/blog/hesi-a2-nursing-exam-guide-2026 FREE HESI A2 Practice: https://open-exam-prep.com/exams/hesi Recommended Study Books (affiliate links helps support free content): Smart Edition HESI A2 Study Guide 2025-2026 (Full Color, AI Tutor): https://www.amazon.com/dp/B0FM19CMC5?tag=openexamprep-20 Saunders Comprehensive Review for NCLEX-RN: https://www.amazon.com/dp/0323795307?tag=openexamprep-20 Key Facts: Up to 10 sections, schools choose 4-6 ADN programs: 75-80% composite BSN programs: 78-85% composite ABSN programs: 85-90%+ composite A&amp;amp;P is the hardest section (65-72% avg) Reading Comp is easiest (82-88% avg) HESIA2 NursingSchool NursingExam HESI2026 NursingStudent NursePrep ADN BSN FreeStudyGuide Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 1:04 - Content Breakdown 2:02 - Hardest Topics 3:05 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Complete phlebotomy certification guide for 2026. Covers all major certifying bodies (NHA CPT, ASCP PBT, AMT RPT), the new January 2026 NHA CPT format, order of draw, venipuncture procedure, and career outlook. Read the full guide: https://open-exam-prep.com/blog/phlebotomy-certification-guide-2026 FREE Phlebotomy Practice: https://open-exam-prep.com/exams/phlebotomy Recommended Study Books (affiliate links helps support free content): NHA Phlebotomy Study Guide 2026-2027 (1200 Questions, 10 Exams): https://www.amazon.com/dp/199880514X?tag=openexamprep-20 Key Facts: NHA CPT: 120 Qs, 2 hrs, 125 (most common) ASCP PBT: 80 Qs, 2 hrs, 155 (gold standard) NEW 2026 NHA CPT format launched Jan 7 Specimen Collection = 36% of exam Training: 4-8 months Entry salary: 33K-38K Phlebotomy PhlebotomyCertification NHACPT ASCP MedicalCareers HealthcareCareers PhlebotomyExam FreeStudyGuide Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 1:10 - Content Breakdown 2:10 - Hardest Topics 3:04 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>How to Become a Notary in South Dakota 2026 No Exam + No Bond + 6-Year Commission!</video:title>
      <video:description>South Dakota just became one of the easiest states for notaries NO exam, NO bond (eliminated July 2025), and a generous 6-year commission! Only 30 to apply. Heres your complete 2026 guide. Key Facts &amp;amp; Stats: No exam required just apply and get commissioned No surety bond required bond eliminated as of July 2025 6-year commission term (one of the longest in the US!) Application fee: only 30 Must be a South Dakota resident Must be 18 years or older Must be a US citizen Must be able to read and write English Remote Online Notarization (RON) authorized Maximum fee: 10 per notarial act Steps to Become a SD Notary: 1. Meet eligibility requirements (18+, US citizen, SD resident) 2. Complete the notary application 3. Submit application to the Secretary of State 4. Pay the 30 application fee 5. Receive your commission certificate 6. File your commission with your county Register of Deeds 7. Purchase your notary stamp/seal and journal Why South Dakota Is Amazing for Notaries in 2026: Bond eliminated July 2025 = zero ongoing bond costs No exam = fastest path to becoming a notary 6-year commission = fewer renewals, less hassle Only 30 total = one of the cheapest states to get commissioned RON available = serve clients remotely from anywhere in SD Growing demand: Sioux Falls, Rapid City, real estate closings FREE South Dakota Notary Guide: https://open-exam-prep.com/blog/south-dakota-notary-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. SouthDakotaNotary NotaryPublic HowToBecomeANotary SDNotary Notary2026 NoBondNotary NoExamNotary 6YearCommission NotaryBusiness FreeNotaryGuide Timestamps: 0:00 </video:description>
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      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-58-accumulation-phase-vs-annuitization-phase-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 58 Accumulation Phase vs Annuitization Phase Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The accumulation phase represents the pay-in period where funds grow on a tax-deferred basis. Withdrawals made during the accumulation phase are taxed using the last-in first-out (LIFO) method. The annuitization phase is an irrevocable conversion of a lump sum into a guaranteed income stream. Once a contract has been annuitized, the owner loses the right to surrender the policy or access the cash value. The exclusion ratio is used during the payout phase to determine the tax-free portion of each payment. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-24-529-education-savings-plans</loc>
    <video:video>
      <video:title>Series 6 24, 529 Education Savings Plans</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The tax advantages of 529 plans, including tax-deferred growth and tax-free withdrawals for qualified expenses. - Contribution rules and the special five-year front-loading provision for gift tax purposes. - What constitutes a qualified education expense, including tuition, fees, books, and room and board. - The tax implications and penalties associated with non-qualified withdrawals. - Recent changes allowing for tax-free rollovers from a 529 plan to a Roth IRA under the SECURE 2.0 Act. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-36-charitable-contributions-property</loc>
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      <video:title>Enrolled Agent Exam Part 1 36, Charitable Contributions - Property</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Deduct the Fair Market Value (FMV) for long-term capital gain property, but this deduction is limited to 30% of your Adjusted Gross Income (AGI). For ordinary income property, such as business inventory or short-term capital assets, the deduction is capped at the lesser of the propertys cost basis or its FMV. Vehicle donation deductions are generally restricted to the gross proceeds the charity receives from its sale, an amount reported to the donor on Form 1098-C. A qualified appraisal is mandatory for any noncash contribution of an item or a group of similar items valued at more than 5,000. You must file Form 8283, Noncash Charitable Contributions, if your total deduction for all noncash gifts in a year exceeds 500. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-31-gastrointestinal-assessment</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 31, Gastrointestinal Assessment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The correct sequence for abdominal assessment is Inspection, Auscultation, Percussion, and Palpation (IAPP), and why this order is critical. Auscultating before palpating is a common NCLEX trap palpation can alter bowel sounds, leading to an incorrect assessment. To confirm absent bowel sounds, a nurse must listen for a full five minutes, a key detail tested on the exam. A rigid, board-like abdomen is a sign of peritonitis, an emergency requiring immediate provider notification. How to differentiate signs of an upper GI bleed (melena, coffee-ground emesis) from a lower GI bleed (hematochezia). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/next-generation-nclex-ngn-clinical-judgment-guide-2026-6-new-question-types-explained</loc>
    <video:video>
      <video:title>Next Generation NCLEX (NGN) Clinical Judgment Guide 2026 6 New Question Types Explained</video:title>
      <video:description>The Next Generation NCLEX changed EVERYTHING. Clinical Judgment now drives your entire score heres how to master the 6 new NGN question types and pass in 2026. Key Facts &amp;amp; Stats: NGN launched April 2023 now the standard format 85-150 questions (CAT adaptive format) Clinical Judgment Model (CJM) = 6-step framework 6 NEW question types: Matrix, Highlight, Cloze, Bowtie, Trend, Enhanced Hot Spot Case studies now appear as unfolding scenarios (3-6 questions each) 87% first-attempt pass rate (2024 data) Partial credit scoring on NGN items you CAN earn points for partially correct answers What Youll Learn: 1. The NCSBN Clinical Judgment Model (6 steps explained) 2. All 6 NGN Question Types with examples 3. Matrix/Grid Questions how to read the table 4. Highlight Text &amp;amp; Cloze (Drop-Down) strategies 5. Bowtie Questions connecting causes to interventions to outcomes 6. Trend Questions identifying changes over time 7. Scoring: How partial credit works in your favor 8. 5-step approach for EVERY clinical judgment question FREE NCLEX-RN Practice (2026 Updated): https://open-exam-prep.com/exams/nclex-rn Full Study Guide: https://open-exam-prep.com/blog/nclex-rn-clinical-judgment-ngn-guide-2026 Practice with AI Tutor: https://open-exam-prep.com All NCLEX Guides: https://open-exam-prep.com/blog?category=nclex Recommended Study Books: Saunders Comprehensive Review NCLEX-RN: https://www.amazon.com/dp/0323795307?tag=openexamprep-20 Kaplan NCLEX-RN Prep 26th Edition 2025: https://www.amazon.com/dp/1506296122?tag=openexamprep-20 Next Gen NCLEX-RN Study Guide (3000 Questions): https://www.amazon.com/dp/1998805417?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. NCLEXRN NextGenNCLEX NGN ClinicalJudgment NursingExam NCSBN ExamPrep2026 FreeNCLEXPrep NursingStudent BowtieQuestions MatrixQuestions Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 0:59 - Content Breakdown 2:01 - Hardest Topics 3:06 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:duration>203</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-29-advertising-and-sales-literature-rules</loc>
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      <video:title>Series 6 29, Advertising and Sales Literature Rules</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - Learn the key differences between retail communications, correspondence, and institutional communications. - Understand the strict principal pre-approval rule for all retail communications. - Discover the separate filing obligations with FINRA for new firms and specific investment products. - Identify prohibited claims and exaggerated language that are frequent exam traps. - Master a simple mnemonic to remember the 25 investor rule for communication classification. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-60-termination-of-agency-explained</loc>
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      <video:title>Real Estate Exam National 60, Termination of Agency Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Agency ends automatically upon the death of the principal broker or the client but not the individual salesperson. The duty of confidentiality is the only fiduciary duty that survives the termination of the agency relationship forever. Unilateral termination like revocation or renunciation can occur but may result in a breach of contract lawsuit. Property destruction or bankruptcy terminates an agency relationship immediately through the operation of law. Every listing must have a definite expiration date and agency terminates automatically once that date is reached. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>229</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-59-immediate-vs-deferred-annuities-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 59 Immediate vs Deferred Annuities Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The specific twelve month timeframe that distinguishes immediate annuities from deferred annuities. Why immediate annuities are always funded with a single premium and lack an accumulation period. How deferred annuities can be funded via single or periodic premiums while focusing on long term growth. The relationship between surrender charges and the accumulation phase in deferred contracts. A simple mnemonic to identify the correct annuity type based on the timing of income payments. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>267</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-28-sec-and-finra-regulations</loc>
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      <video:title>Series 6 28, SEC and FINRA Regulations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The 100-100 rule for when an investment company must register with the SEC under the Act of 1940. - How a funds board of directors must be structured and how 12b-1 fees change that requirement. - The core principles of the FINRA suitability rule through concrete exam-style scenarios. - How to identify and avoid prohibited practices like selling dividends and breakpoint sales using a simple mnemonic. - The FINRA rules for ensuring that all advertising and communications with the public are fair, balanced, and not misleading. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>217</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/series-7-suitability-scenarios-master-investment-recommendations-2026-exam-guide</loc>
    <video:video>
      <video:title>Series 7 Suitability Scenarios: Master Investment Recommendations (2026 Exam Guide)</video:title>
      <video:description>Suitability questions are WHERE most people fail the Series 7. This section is 73% of your exam heres how to match investments to client profiles like a pro. Key Facts &amp;amp; Stats: Customer Accounts &amp;amp; Investment Recommendations = 73% of the Series 7 Reg BI (Best Interest) replaced the old suitability standard in 2020 3 suitability obligations: Reasonable Basis, Customer-Specific, Quantitative 125 scored questions, 72% (90 questions) needed to pass Pass rate: 65-72% suitability is the 1 reason people fail Key factors: Age, risk tolerance, time horizon, liquidity needs, tax status FINRA Rule 2111 still tested alongside Reg BI What Youll Learn: 1. Reg BI vs. Old Suitability Standard what changed 2. 3 Suitability Obligations explained with examples 3. Client Profile Analysis: Reading the fact pattern 4. Conservative Client Bond-heavy, blue chips, money market 5. Aggressive Client Growth stocks, options, sector funds 6. Retiree Income-focused, low risk, high liquidity 7. Young Professional Growth-oriented, long time horizon 8. Prohibited Recommendations &amp;amp; Churning red flags 9. Options Suitability &amp;amp; the Options Agreement process 10. 5-Step Framework for answering ANY suitability question FREE Series 7 Practice Questions: https://open-exam-prep.com/exams/series-7 Full Study Guide: https://open-exam-prep.com/blog/series-7-suitability-recommendations-guide-2026 Ask Our AI Tutor Anything: https://open-exam-prep.com All Series 7 Guides: https://open-exam-prep.com/blog?category=series-7 Recommended Study Books: Kaplan Series 7 License Exam Manual 2nd Edition: https://www.amazon.com/dp/1078803730?tag=openexamprep-20 Series 7 Study Guide (750 Questions): https://www.amazon.com/dp/1998805484?tag=openexamprep-20 Series 7 Complete Prep (1500+ Questions): https://www.amazon.com/dp/B0G6D2ZW48?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. Series7 Suitability InvestmentRecommendations FINRA RegBI Series7Exam ExamPrep2026 FreeExam</video:description>
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      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-20-alimony-and-separate-maintenance</loc>
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      <video:title>Enrolled Agent Exam Part 1 20, Alimony and Separate Maintenance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Alimony is non-deductible and non-taxable for divorce agreements finalized after December 31, 2018. For pre-2019 agreements, alimony remains deductible for the payer and taxable income for the recipient. Modifying a pre-2019 agreement does not change its tax treatment unless the modification explicitly adopts the new TCJA rules. Child support is never deductible or taxable, regardless of the divorce date, and the exam often tries to confuse it with alimony. A key test of whether a payment is true alimony, under old rules, is if the payment obligation terminates upon the recipients death. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-15-quality-improvement-and-patient-safety</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 15, Quality Improvement and Patient Safety</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to apply the Plan-Do-Study-Act (PDSA) cycle in NCLEX scenarios. The priority nursing actions following a sentinel event. How to use the Five Whys technique for root cause analysis (RCA) on exam questions. How The Joint Commissions National Patient Safety Goals appear as correct answers. To identify nurse-sensitive quality indicators as key measures of nursing care. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>205</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-06-prioritization-using-maslows-hierarchy</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 06, Prioritization Using Maslows Hierarchy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to apply Maslows Hierarchy for NCLEX prioritization when ABCs are not the primary issue. The correct order of priority in the hierarchy: Physiological, Safety, Love &amp;amp; Belonging, Esteem, and Self-Actualization. To identify a common NCLEX trap where an immediate, critical safety risk can outweigh a non-urgent physiological need. How to analyze a multi-patient scenario to determine the most critical need based on the potential for harm. A simple mnemonic, Please Stop Liking Stupid Acronyms, to recall the levels of Maslows Hierarchy during the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1Z04pZTPkj2</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-50-other-nonrefundable-credits</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 50, Other Nonrefundable Credits</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: That Schedule R eligibility for the Elderly or Disabled Credit hinges on strict AGI and non-taxable income limitations, not just age. How the Residential Energy Efficient Property Credit applies to major installations like solar panels and is not subject to a hard dollar cap. Why the Plug-in EV Credits eligibility is determined by the placed-in-service date and the taxpayers modified AGI for that year. That the Foreign Tax Credit is generally more beneficial than a deduction but is limited based on the U.S. tax liability on foreign-source income. To always verify that a taxpayers income and the specific property or vehicle meet the precise qualifications for these nonrefundable credits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uuFy2jS6do6i/1du5UYT5li2_lEPRuk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uuFy2jS6do6i/1774681211/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1du5UYT5li2</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-53-hypertension</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 53, Hypertension</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate hypertensive urgency from emergency based on the presence or absence of target organ damage. The priority side effects of ACE inhibitors using the ACE mnemonic: Angioedema, Cough, and Elevated Potassium. The critical nursing assessment before administering beta-blockers: checking blood pressure and holding for a heart rate below 60. Why lifestyle modification is the first-line intervention for Stage 1 Hypertension, not immediate medication. How to recognize signs of target organ damage, such as blurred vision or decreased urine output, in a patient with chronic hypertension. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/12AyYpDQcg5a/1ZvOVZmzQi2_kKTwdF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/12AyYpDQcg5a/1774681339/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1ZvOVZmzQi2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-59-vicarious-liability-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 59, Vicarious Liability Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - The legal definition of vicarious liability and the doctrine of respondeat superior. - Why brokers are held responsible for agent actions despite independent contractor status. - The conditions under which a client or principal becomes liable for an agents misconduct. - How the concept of imputed notice creates a chain of responsibility in transactions. - Common exam traps involving broker supervision and liability limitations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/X2Ae-jSQhczd/1dvOoJSyRj2_WluLzZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/X2Ae-jSQhczd/1774681359/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1dvOoJSyRj2</video:player_loc>
      <video:duration>236</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-52-psychotropic-medications</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 52, Psychotropic Medications</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate the life-threatening conditions of Serotonin Syndrome and Neuroleptic Malignant Syndrome (NMS). The critical nursing interventions and patient teaching required to prevent lithium toxicity. Why the black box warning for SSRIs regarding increased suicide risk is a top NCLEX safety priority. The key differences in side effect profiles between typical antipsychotics (EPS) and atypical antipsychotics (metabolic syndrome). The primary assessment for a patient taking benzodiazepines and the essential antidote for overdose. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZYEO7BSJhoyb/vJ1jVcnzQz2_bluZRK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZYEO7BSJhoyb/1774681359/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vJ1jVcnzQz2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-27-customer-account-types</loc>
    <video:video>
      <video:title>Series 6 27, Customer Account Types</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The critical difference between Joint Tenants with Rights of Survivorship (JTWROS) and Tenants in Common (TIC) accounts. - How assets are passed to beneficiaries upon the death of an account owner in various account types. - The specific rules and limitations governing custodial accounts like UGMA and UTMA for minors. - Why gifts made to a custodial account are considered irrevocable and who is responsible for the taxes. - The definition of fiduciary responsibility and how it applies to trustees and custodians. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xXciNnOYJc5H/1J15ptTzRj2_UtQFfU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xXciNnOYJc5H/1774681361/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1J15ptTzRj2</video:player_loc>
      <video:duration>236</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-53-accelerated-death-benefit-rider-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 53 Accelerated Death Benefit Rider Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam insurance exam. In this episode you will learn: The definition of the Accelerated Death Benefit as a living benefit allowing access to 50-100% of the face amount. Why this rider is typically included at no additional premium cost compared to other life insurance riders. The specific triggers for payment including physician certification and the 90-day elimination period. How to calculate the reduction of the death benefit and the impact on beneficiaries after acceleration. The key differences between the Accelerated Death Benefit rider and third-party Viatical Settlements. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sMky_FzRIszi/uI15VImyl52_MuFEJa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sMky_FzRIszi/1774681339/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uI15VImyl52</video:player_loc>
      <video:duration>206</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-42-child-and-dependent-care-credit</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 42, Child and Dependent Care Credit</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: A qualifying child must be under age 13 expenses stop qualifying on their 13th birthday. Expenses must be for care, not education overnight camps and school tuition are common non-qualifying examples. The credit is limited by the lower of the two spouses earned incomes. A non-working student or disabled spouse is deemed to have earned income of 250 or 500 per month. The maximum expenses used for the credit are 3,000 for one qualifying person and 6,000 for two or more. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1HcqNzC7JsBk/0c1PpYTjk42_ujyQrG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1HcqNzC7JsBk/1774681338/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0c1PpYTjk42</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-14-variable-annuity-payout-options</loc>
    <video:video>
      <video:title>Series 6 14, Variable Annuity Payout Options</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The key features of a Straight Life annuity payout and who its best for. - How a Life with Period Certain option protects against an annuitants early death. - The purpose and function of a Joint and Last Survivor annuity for couples. - The direct relationship between guarantees, beneficiaries, and the monthly payout amount. - A simple mnemonic to remember which payout option provides the highest and lowest income. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xHkmJBC6ck6i/0s0ypJmPk42_wGhArM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xHkmJBC6ck6i/1774681339/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0s0ypJmPk42</video:player_loc>
      <video:duration>206</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-10-mutual-fund-distributions</loc>
    <video:video>
      <video:title>Series 6 10, Mutual Fund Distributions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The difference between a mutual funds dividend distributions and capital gains distributions. - Why both dividend and capital gains distributions are taxable in the year they are received, even when they are reinvested. - The critical rule that capital gains distributions from a fund are always taxed as long-term gains to the shareholder. - How a mutual funds ex-dividend date works and why the Net Asset Value (NAV) drops by the distribution amount. - The definition of selling a dividend, why its a prohibited practice, and how it creates a tax liability without any economic benefit. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/u3omNFyYgg6k/0I0yVYT5l42_XbFlLa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/u3omNFyYgg6k/1774681355/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0I0yVYT5l42</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-46-medication-calculations</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 46, Medication Calculations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Always convert patient weight from pounds to kilograms at the start of any weight-based dosage calculation. Use dimensional analysis as a systematic way to solve multi-step problems and prevent unit conversion errors. Carefully read medication labels to identify the final concentration after reconstitution, ignoring distractor information like the total powder amount. Calculate the total volume for infusion by adding the medication volume to the IV fluid volume before determining the flow rate. Pay close attention to time units, converting minutes to hours when the question asks for a rate in milliliters per hour. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YtdGUn4YQkOO/0duiotm4kO2_TuLeMN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YtdGUn4YQkOO/1774681416/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0duiotm4kO2</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-20-life-insurance-taxation</loc>
    <video:video>
      <video:title>Series 6 20, Life Insurance Taxation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - Death benefits from life insurance policies are typically received income tax-free by beneficiaries. - Cash value within a life insurance policy grows on a tax-deferred basis. - Policy loans are not considered taxable distributions for standard, non-MEC policies. - A life insurance policy becomes a Modified Endowment Contract (MEC) if it is overfunded and fails the 7-pay test. - Distributions from a MEC, including loans, are taxed on a Last-In, First-Out (LIFO) basis, with gains taxed first and subject to a potential 10% penalty if the owner is under 59.5. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/XMla_l9ZVcaa/uJ0yVZn5kO2_gjVYSD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/XMla_l9ZVcaa/1774681546/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uJ0yVZn5kO2</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-38-fluid-and-electrolyte-balance</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 38, Fluid and Electrolyte Balance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Isotonic solutions like 0.9% Normal Saline are used for fluid volume deficit and shock because they stay in the vascular space. Hypotonic solutions like 0.45% Normal Saline rehydrate cells and are used in conditions like DKA after initial stabilization. A critical NCLEX trap is that hypotonic solutions are strictly contraindicated in patients with increased intracranial pressure as they worsen cerebral edema. Hypertonic solutions like 3% Saline are used as an emergency treatment for cerebral edema because they pull fluid out of swollen brain cells. Always question an order for Lactated Ringers in patients with renal failure or hyperkalemia, as its potassium content can be harmful. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/q1BC6Fm6oAkb/0duzoYn4l52_GdmHzX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/q1BC6Fm6oAkb/1774681547/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0duzoYn4l52</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-22-virtual-currency-and-cryptocurrency-taxation</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 22, Virtual Currency and Cryptocurrency Taxation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The IRS classifies virtual currency as property, meaning its use to buy goods or services is a taxable disposition. Gains and losses from cryptocurrency transactions are reported on Form 8949 and Schedule D. Income from mining is taxable as ordinary income at its fair market value on the date mined and may be subject to self-employment tax. The basis in mined cryptocurrency is the amount included in income upon its creation. The digital asset question on Form 1040 must be checked yes for most activities beyond simply buying and holding with U.S. dollars. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2LBuJzCIlsGl/0t0PVtT5kP2_XPEdxB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2LBuJzCIlsGl/1774681553/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0t0PVtT5kP2</video:player_loc>
      <video:duration>207</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/how-to-become-a-notary-in-new-mexico-2026-exam-required-rulona-state-full-guide</loc>
    <video:video>
      <video:title>How to Become a Notary in New Mexico 2026 Exam Required + RULONA State (Full Guide)</video:title>
      <video:description>New Mexico is a RULONA-compliant state with a notary exam requirement. That means modern standards, clear rules, and a professional credential. Heres your complete 2026 guide to becoming a NM notary. Key Facts &amp;amp; Stats: Exam required must pass the New Mexico notary exam RULONA compliant follows the Revised Uniform Law on Notarial Acts 10,000 surety bond required 4-year commission term Must be a New Mexico resident Must be 18 years or older Must be able to read and write English Remote Online Notarization (RON) authorized under RULONA Commission fee: 25 for application Steps to Become a NM Notary: 1. Meet eligibility requirements (18+, NM resident, English literacy) 2. Complete required notary education/training 3. Pass the New Mexico notary exam 4. Obtain a 10,000 surety bond 5. Submit your application to the Secretary of State 6. Pay the application fee 7. Receive your commission certificate 8. Purchase your notary stamp/seal and journal Why New Mexicos RULONA Status Matters: Standardized notarial procedures across RULONA states Clear legal framework protects you and signers RON capability = remote notarizations from home Professional credential recognized nationwide Growing demand in Albuquerque, Santa Fe, and Las Cruces FREE New Mexico Notary Guide: https://open-exam-prep.com/blog/new-mexico-notary-exam-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. NewMexicoNotary NotaryPublic HowToBecomeANotary NMNotary Notary2026 RULONA NotaryExam NotaryBusiness FreeNotaryGuide Timestamps: 0:00 - Introduction 0:11 - Key Facts &amp;amp; Stats 1:14 - Content Breakdown 2:12 - Hardest Topics 3:11 - St</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ulE86lzZMkiI/vY0ioZT5lP2_VaJJhN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ulE86lzZMkiI/1774681672/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vY0ioZT5lP2</video:player_loc>
      <video:duration>208</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-2-open-end-vs-closed-end-funds</loc>
    <video:video>
      <video:title>Series 6 2, Open-End vs Closed-End Funds</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - How open-end funds continuously issue and redeem shares directly with investors. - Why open-end funds are always priced based on the forward Net Asset Value (NAV) calculated once per day. - The structure of closed-end funds, which have a fixed number of shares after an IPO. - How supply and demand cause closed-end fund shares to trade at a premium or discount to their NAV on an exchange. - A simple mnemonic to remember the key differences in capitalization, trading, and pricing that are frequently tested. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sypi-B47dcka/vYuzocS5l52_ETmobW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sypi-B47dcka/1774681673/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vYuzocS5l52</video:player_loc>
      <video:duration>208</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-08-interest-and-dividend-income</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 08, Interest and Dividend Income</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Report all interest on Schedule B if it exceeds 1,500, but only include taxable interest in your gross income calculation. Tax-exempt interest is shown on Schedule B for informational purposes but is not added to your taxable income on Form 1040. Penalties for early withdrawal of savings are an above-the-line deduction on Schedule 1, not a direct reduction of interest income on Schedule B. A dividends qualified status, which grants a lower tax rate, depends on a specific holding period of more than 60 days. Exceeding the investment income limit, such as the 11,950 threshold for tax year 2025, can disqualify a taxpayer from receiving credits like the Earned Income Tax Credit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uCB02p5RcEQP/vc1iUYm4l52_WZSVRn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uCB02p5RcEQP/1774681672/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vc1iUYm4l52</video:player_loc>
      <video:duration>209</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-14-life-estate-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 14, Life Estate Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The critical differences between reversionary and remainder interests. How the legal concept of waste limits a life tenants actions. The definition and application of a life estate pur autre vie. Why a standard life estate generally cannot be passed through a will. How to identify the measuring life to determine when an estate terminates. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ripWRlCZIEHk/vcv4otT4lO2_zHQWFX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ripWRlCZIEHk/1774681673/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcv4otT4lO2</video:player_loc>
      <video:duration>208</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-41-reinstatement-provision-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 41 Reinstatement Provision Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The standard reinstatement window is typically 3 years following a policy lapse. Policyowners must provide fresh evidence of insurability to prove they are still a standard risk. Reinstatement requires repayment of all missed premiums, outstanding loans, and accrued interest. The primary benefit of reinstatement is maintaining the original issue age and lower premium rates. Reinstating a policy resets the two-year clocks for both the incontestability and suicide clauses. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Z5Au7p47MoOk/1Z0zUJS4l42_qOkmHB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Z5Au7p47MoOk/1774681802/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1Z0zUJS4l42</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-21-schedule-1-additional-income</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 21, Schedule 1 - Additional Income</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How Schedule 1 functions as a critical on-ramp for reporting additional income to the main Form 1040. The tax benefit rule for state and local tax refunds, a frequently tested and tricky concept on the exam. The correct reporting pathway for business income (Schedule C) and capital gains (Schedule D) through Schedule 1. Why unemployment compensation is fully taxable and a common point of confusion for exam candidates. The mnemonic Itemized, Its In Standard, Stay out to instantly determine the taxability of a state tax refund. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/39wO6Fz7dskj/1dvOUtnPlP2_dnJCNe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/39wO6Fz7dskj/1774681802/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1dvOUtnPlP2</video:player_loc>
      <video:duration>209</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-42-direct-participation-programs</loc>
    <video:video>
      <video:title>SIE 42, Direct Participation Programs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The structure and purpose of Direct Participation Programs (DPPs). - The definition of pass-through taxation and how it avoids double taxation. - The role and unlimited liability of a General Partner (GP). - The passive nature and limited liability protection of a Limited Partner (LP). - Common exam traps, including how a Limited Partner can lose their liability protection. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/W5wq-zOQJEic/vZ1ioYTPlO2_RZUwOV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/W5wq-zOQJEic/1774681801/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vZ1ioYTPlO2</video:player_loc>
      <video:duration>209</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-49-diabetes-medications</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 49, Diabetes Medications</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical link between insulin peak times and the highest risk for a hypoglycemic event. The Clear before Cloudy mnemonic for safely mixing Regular and NPH insulin. Why Metformin must be held before any procedure involving IV contrast dye. Essential sick day rules, including the importance of never stopping insulin during illness. The priority nursing intervention for a conscious patient experiencing hypoglycemia using the 15-15 Rule. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uko0NniYUcbI/Cs1OodT5ly2_pztkpf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uko0NniYUcbI/1774681928/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Cs1OodT5ly2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-22-restraint-use-and-alternatives</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 22, Restraint Use and Alternatives</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The absolute priority of using and documenting all possible alternatives before applying restraints. How to identify the least restrictive, most effective intervention in NCLEX-style scenarios. The specific, testable time limits for behavioral restraint orders, known as the 4-2-1 Rule. Critical safety procedures for applying and monitoring restraints, including knot type and attachment points. Common exam traps, such as using restraints for convenience or applying them without a timely order. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uyc8_FyJVoaR/CY0jUdTzRz2_DreWxz.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CY0jUdTzRz2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-17-roth-ira-rules-and-qualified-distributions</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 17, Roth IRA Rules and Qualified Distributions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The 2025 Roth IRA contribution limits and the critical Modified Adjusted Gross Income (MAGI) phase-out ranges that determine eligibility. The two-part test for a qualified distribution, combining a qualifying event (like age 59½) with the five-year holding period. How the five-year holding period clock for initial contributions starts on January 1st of the first contributions tax year. The ordering rules for non-qualified distributions, remembered by the phrase Can Everyone Get Paid? which stands for Contributions, Conversions, and Earnings. The distinction between the five-year clock for contributions and the separate five-year clock for each conversion, a common exam trap. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/umES2DzQUsic/Ccu5pYTzRj2_ZSKTSH.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ccu5pYTzRj2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-10-sale-of-stocks-and-bonds</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 10, Sale of Stocks and Bonds</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to determine cost basis for securities using the default FIFO method versus specific identification. The correct way to adjust a stocks per-share basis after a stock split or from reinvested dividends. How the wash sale rule disallows a loss and requires an upward adjustment to the basis of the new shares. The application of the 3,000 maximum annual capital loss deduction against ordinary income. How to calculate the amount and determine the character of a capital loss carryover to future tax years. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3ikiIDPIQscl/CcvOVImzRj2_huEwjj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3ikiIDPIQscl/1774681928/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CcvOVImzRj2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-08-ethical-principles-in-nursing</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 08, Ethical Principles in Nursing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Patient autonomy is the highest priority when a competent patient makes an informed decision, even if it conflicts with the principle of beneficence. The NCLEX tests ethical principles through application-based scenarios that require you to identify the best or priority nursing action, not just provide definitions. How to distinguish between beneficence (proactively doing good) and nonmaleficence (avoiding harm), especially in situations where a beneficial action causes unavoidable, lesser harm. The roles of veracity (truth-telling) and fidelity (faithfulness) in upholding a patients autonomous decisions through honest communication and honoring commitments. How the principle of justice applies to the fair allocation of resources and providing equitable care, particularly in triage or mass casualty scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/IbA87hflck1R/DJv5pImjQi2_MtILoz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/IbA87hflck1R/1774682323/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DJv5pImjQi2</video:player_loc>
      <video:duration>210</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-15-variable-annuity-fees-and-charges</loc>
    <video:video>
      <video:title>Series 6 15, Variable Annuity Fees and Charges</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam exam. In this episode you will learn: - What the mortality and expense (M&amp;amp;E) risk charge covers and why it is unique to insurance products. - How administrative fees are assessed for the operational costs of an annuity contract. - The structure of surrender charges, including how they decline over a set period. - Key differences between the fee structures of variable annuities and mutual funds. - A mnemonic device, SAM, to easily recall the primary fees associated with variable annuities for the exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LrAiRxGBhcDj/9t15oITjQj2_FZabXR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LrAiRxGBhcDj/1774682323/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9t15oITjQj2</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-27-traditional-ira-contributions-and-deductions</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 27, Traditional IRA Contributions and Deductions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The 2025 IRA contribution limits (7,000) and the age 50+ catch-up provision (1,000). How active participant status on a W-2 is the first critical step in determining deductibility. The Modified AGI phase-out ranges that limit deductions for active participants. The critical contribution deadline which is the tax returns original due date, not the extended due date. How spousal IRA rules allow non-working spouses to contribute and the unique deductibility rules that apply. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Kxsq6bWkhowk/Dt0iVdn5Qz2_rAGNJZ.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dt0iVdn5Qz2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-12-rental-real-estate-income-and-expenses</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 12, Rental Real Estate Income and Expenses</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to correctly identify rental income, especially tricky items like security deposits and advance rent. The default classification of all rental activities as passive, regardless of participation. The specific requirements to qualify for the active participation exception. How to apply the 25,000 maximum loss allowance against non-passive income. The critical Modified AGI phase-out rule that reduces the 25,000 allowance for higher-income taxpayers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NYc0-xGlgcEj/8c1ypdSzQ52_jdmIUX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/NYc0-xGlgcEj/1774682462/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8c1ypdSzQ52</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-25-self-employment-tax-calculation</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 25, Self-Employment Tax Calculation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Always multiply net self-employment earnings by 92.35% before applying any tax rates. The 15.3% SE tax combines a 12.4% Social Security tax up to the wage base limit (176,100 for 2025) and a 2.9% Medicare tax with no income limit. The deduction for one-half of the SE tax is an adjustment to income on Schedule 1, not a reduction of the SE tax itself. W-2 wages count first toward the Social Security limit, reducing the amount of SE income subject to the 12.4% SS tax component. The 0.9% Additional Medicare Tax is a separate tax for high earners and is not part of the standard 15.3% SE tax calculation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NxBCYxadREnR/CIvjpsmzR52_FeCokp.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CIvjpsmzR52</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/how-to-become-a-notary-in-west-virginia-2026-no-exam-no-bond-5-year-commission</loc>
    <video:video>
      <video:title>How to Become a Notary in West Virginia 2026 No Exam + No Bond + 5-Year Commission!</video:title>
      <video:description>West Virginia is one of the most notary-friendly states in America NO exam, NO bond (eliminated in 2018), and a 5-year commission! Heres your complete 2026 guide. Key Facts &amp;amp; Stats: No exam required no testing of any kind No surety bond required bond eliminated in 2018 5-year commission term Must be a West Virginia resident Must be 18 years or older Application fee: 25 Must be able to read and write English Appointed by the Secretary of State Remote Online Notarization (RON) authorized Maximum fee: 5 per notarial act Steps to Become a WV Notary: 1. Meet eligibility requirements (18+, WV resident) 2. Complete the notary application 3. Submit application to the WV Secretary of State 4. Pay the application fee (25) 5. Receive your commission certificate 6. Take the oath of office 7. Record your commission with your county clerk 8. Purchase your notary stamp/seal and journal Why West Virginia Is One of the Best States for Notaries: No exam = fastest possible path to becoming a notary No bond = zero ongoing bond costs (eliminated since 2018!) 5-year commission = long term, fewer renewals Low cost = one of the cheapest states to become a notary Simple process = just apply, get appointed, take the oath RON available = serve clients remotely from anywhere in WV Growing demand: Charleston, Morgantown, real estate, energy sector FREE West Virginia Notary Guide: https://open-exam-prep.com/blog/west-virginia-notary-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. WestVirginiaNotary NotaryPublic HowToBecomeANotary WVNotary Notary2026 NoExamNotary NoBondNotary 5YearCommission NotaryBusiness FreeNo</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JbtS_rfsVwni/8Iv5ocSyRP2_XJxfRt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JbtS_rfsVwni/1774682537/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Iv5ocSyRP2</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-58-finra-and-sro-regulation</loc>
    <video:video>
      <video:title>SIE 58, FINRA and SRO Regulation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The distinction between the government authority of the SEC and the self-regulatory role of FINRA. - Why membership in FINRA is mandatory for nearly all broker-dealers. - How FINRA oversees its members through rule-making, examinations, and enforcement actions. - Common exam traps, such as confusing the civil enforcement powers of FINRA with the criminal authority of the SEC. - A memorable phrase to help distinguish the primary functions of the SEC and FINRA. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bdFyIxfkVopk/8I1PUZSyQ52_VRwWfb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bdFyIxfkVopk/1774682536/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8I1PUZSyQ52</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-21-traditional-ira-rules</loc>
    <video:video>
      <video:title>Series 6 21, Traditional IRA Rules</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The 2024 contribution limits and catch-up provisions for Traditional IRAs. - How income and workplace plan participation affect the tax-deductibility of contributions. - The age for Required Minimum Distributions (RMDs) as updated by the SECURE 2.0 Act. - The standard 10% penalty for early withdrawals and how it is applied. - A helpful mnemonic (HIM-DEAD) to remember the key exceptions to the early withdrawal penalty. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LxheVxGtUwVl/CJv5UZmiR52_zryPpg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LxheVxGtUwVl/1774682536/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CJv5UZmiR52</video:player_loc>
      <video:duration>215</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-28-neurological-assessment</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 28, Neurological Assessment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The Glasgow Coma Scale (GCS) score of 8 or less indicates severe brain injury and the likely need for intubation. A unilateral, fixed, and dilated pupil is a neurosurgical emergency signaling high intracranial pressure and potential brain herniation. Cushings Triad (high systolic BP, low heart rate, low respirations) is a late sign of increased ICP and is the opposite of the signs of shock. For suspected stroke, checking blood glucose first is a critical priority to rule out hypoglycemia, which can mimic stroke symptoms. Subtle changes in level of consciousness are the earliest and most important indicators of a patients neurological decline. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/HYheJfacQkok/8dv5UISzQ52_UHNOdR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/HYheJfacQkok/1774682666/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8dv5UISzQ52</video:player_loc>
      <video:duration>214</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-23-mortality-tables-and-actuarial-concepts-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 23 Mortality Tables and Actuarial Concepts Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: How the Law of Large Numbers allows actuaries to predict group mortality rates with statistical precision. The specific formula for calculating Net Premium by subtracting interest from mortality costs. The difference between Gross Premium and Net Premium including the role of expense loading. Why Select mortality tables differ from Ultimate tables based on recent medical underwriting. How age and gender serve as the primary variables in mortality table data used for premium setting. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/f2xyJfXslgVa/8t0iUInPQO2_RICVCE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/f2xyJfXslgVa/1774682666/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8t0iUInPQO2</video:player_loc>
      <video:duration>215</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-27-mutual-funds-structure-and-pricing</loc>
    <video:video>
      <video:title>SIE 27, Mutual Funds - Structure and Pricing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The definition of an open-end investment company and how it differs from other securities. - How to calculate a mutual funds Net Asset Value (NAV). - The concept of forward pricing and its application to all mutual fund transactions. - The difference between the Public Offering Price (POP) for purchases and the NAV for redemptions. - Common exam traps, such as timing of pricing and the distinction between NAV and POP. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LMd82vHdQkmc/CJu4VsT4RO2_MUXIby.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LMd82vHdQkmc/1774682667/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CJu4VsT4RO2</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-54-guaranteed-insurability-rider-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 54 Guaranteed Insurability Rider Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: How the Guaranteed Insurability Rider allows for additional coverage without any medical evidence or health questions. The specific timing of option dates and how life events like marriage or birth trigger immediate purchase windows. Why the premium for new coverage is calculated based on the insureds attained age rather than the original issue age. The typical expiration age of the rider and why it is generally unavailable after age forty. How to identify exam questions that attempt to confuse this rider with other policy additions through trick wording about health status. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LYpu-tKlQsTk/9I1yVInjl42_VSGrvM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LYpu-tKlQsTk/1774682667/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9I1yVInjl42</video:player_loc>
      <video:duration>215</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-23-employer-retirement-plans</loc>
    <video:video>
      <video:title>Series 6 23, Employer Retirement Plans</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The primary differences between 401(k), 403(b), and 457 retirement plans. - How employer matching contributions are calculated and function as a key benefit. - The critical distinction between cliff vesting and graded vesting schedules. - A common exam trap: vesting only applies to employer contributions, not your own. - A memorable mnemonic to distinguish which plan type is for corporations, non-profits, or government entities. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/IBwqYtGdMgMa/DYuPVZT4RP2_tZGrDm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/IBwqYtGdMgMa/1774682790/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DYuPVZT4RP2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-44-assignment-and-novation-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 44, Assignment and Novation Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - The legal definition of assignment and why the assignor retains secondary liability. - The mechanics of novation and how it substitutes a new contract for an old one. - Why consent from all parties is mandatory for novation but usually optional for assignment. - How to differentiate between assignment and novation in mortgage assumption exam questions. - A memorable mnemonic to distinguish between being assigned to a debt and creating a new station. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bpsO2fKBdcSH/DY14pYm4Q42_ggjCIO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bpsO2fKBdcSH/1774682790/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DY14pYm4Q42</video:player_loc>
      <video:duration>215</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-03-ngn-case-studies-and-unfolding-cases</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 03, NGN Case Studies and Unfolding Cases</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How the NGN unfolding case study format presents six evolving questions for a single patient. The importance of using new information from each question to inform your subsequent answers. Common exam traps, such as failing to recognize complications from your own interventions. A practical strategy for connecting assessment findings, nursing actions, and patient outcomes across the case. A simple mnemonic, AIE and Evolve, to guide your clinical judgment through each step of the scenario. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dmBe3xulIcLd/9YvipZT5R52_OjLxgP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/dmBe3xulIcLd/1774682790/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9YvipZT5R52</video:player_loc>
      <video:duration>215</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-55-other-common-riders-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 55 Other Common Riders Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The strict ninety-day window and accidental results criteria required for Accidental Death Benefit payouts. How to identify the six Activities of Daily Living (ADLs) and the specific two-of-six threshold for Long-Term Care rider triggers. The distinction between supplementary accidental benefits and the acceleration of the base death benefit. Why the Cost of Living (COLA) rider requires no evidence of insurability despite increasing the policys face value. How the Consumer Price Index (CPI) directly impacts both coverage amounts and premium costs for policyholders. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hFkC6dbBIcgi/9IvzpcT4R42_FxjHAp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hFkC6dbBIcgi/1774682807/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9IvzpcT4R42</video:player_loc>
      <video:duration>249</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-43-iv-therapy-and-venous-access</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 43, IV Therapy and Venous Access</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate infiltration (cool, swollen) from phlebitis (red, warm) and identify the correct initial nursing action for each. The priority order for selecting peripheral IV sites, starting with the non-dominant arm and most distal veins first. Key contraindications for IV site selection, such as avoiding an arm with a history of mastectomy or an AV fistula. The formula for calculating IV drip rates (volume drop factor / time in minutes) and how to avoid common exam traps. Core differences between central lines, including PICCs, tunneled catheters, and implanted ports, and their primary uses. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/c6c4-tfAIEnj/u6uyoZSily2_jkOJQW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/c6c4-tfAIEnj/1774682938/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u6uyoZSily2</video:player_loc>
      <video:duration>215</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-13-variable-annuity-separate-accounts</loc>
    <video:video>
      <video:title>Series 6 13, Variable Annuity Separate Accounts</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The fundamental difference between an insurers general account and a separate account. - Why a variable annuitys separate account is legally insulated from the insurance companys creditors. - The specific reason variable annuities are classified and regulated as securities. - How to identify and answer common Series 6 exam questions on this topic. - A simple mnemonic to distinguish the roles of the general and separate accounts. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/a9gSMheAhAeI/ukujoYnzki2_UqGWvQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/a9gSMheAhAeI/1774682939/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ukujoYnzki2</video:player_loc>
      <video:duration>217</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-30-respiratory-assessment</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 30, Respiratory Assessment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to identify critical signs of respiratory distress, such as tripod positioning and accessory muscle use. The difference between adventitious lung sounds and how to prioritize stridor as a medical emergency. Common NCLEX traps involving pulse oximetry readings that can be misleading without clinical context. How to interpret basic arterial blood gases to determine the correct nursing intervention for acidosis or alkalosis. Applying the Airway, Breathing, Circulation framework to answer exam-style prioritization questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NUkGZdrlJsTI/0Q0PVtTjli2_vsaogL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/NUkGZdrlJsTI/1774682939/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Q0PVtTjli2</video:player_loc>
      <video:duration>217</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-16-unique-characteristics-of-insurance-contracts-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 16 Unique Characteristics of Insurance Contracts Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Why insurance contracts are considered contracts of adhesion and how courts handle ambiguous wording. The definition of the aleatory characteristic and how it differs from traditional equal-value exchanges. How to identify the unilateral nature of insurance and which party is legally bound to the promise. The specific conditions that must be met in a conditional contract before an insurer pays a claim. A simple mnemonic to help you distinguish between the four key legal characteristics on exam day. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/I-wqVdftNsMR/0k1yptnjki2_xsBtdy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/I-wqVdftNsMR/1774682938/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0k1yptnjki2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-58-agency-disclosure-requirements-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 58, Agency Disclosure Requirements Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The legal distinction between an agency disclosure form and a representation agreement. Identifying the specific triggering event known as substantive contact for mandatory disclosure. Procedural steps to take when a consumer refuses to sign a disclosure form. How agency disclosure prevents the legal pitfalls of unintended implied agency. Using the S O D A mnemonic to master timing and compliance on the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LUE07fbAIcLP/0AviVJnikj2_zJYGPh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LUE07fbAIcLP/1774682954/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0AviVJnikj2</video:player_loc>
      <video:duration>276</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-57-annuity-basics-and-purpose-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 57 Annuity Basics and Purpose Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: The definition of longevity risk and why annuities are the primary solution for outliving assets. The fundamental differences between life insurance which creates an estate and annuities which liquidate one. How tax-deferred growth functions during the accumulation phase of an annuity contract. The specific roles of the owner annuitant and beneficiary and which one determines payout amounts. Key differences between the accumulation phase and the annuitization phase of an insurance contract. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/e5A4YvGshEgJ/u61yVdTOlj2_GwAubA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/e5A4YvGshEgJ/1774682952/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u61yVdTOlj2</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-48-residential-energy-credits</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 48, Residential Energy Credits</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to distinguish between the Section 25C credit for home improvements and the Section 25D credit for clean energy systems. The specific annual credit limits for Section 25C, including the 1,200 general cap and the separate 2,000 cap for heat pumps. That the Section 25D credit is a straight 30% of the cost with no maximum dollar limit, a key exam distinction. To identify that both credits are nonrefundable, but only Section 25D has a provision to carry forward unused credit amounts. A simple mnemonic: C is for Capped Components and D is for Dynamic Dollars to recall the rules for each credit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cVBKUvrkIw0l/u61PUdnPli2_fHKjIT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/cVBKUvrkIw0l/1774683047/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u61PUdnPli2</video:player_loc>
      <video:duration>245</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-39-joint-life-and-survivorship-life-insurance-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 39 Joint Life and Survivorship Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: Joint Life (first-to-die) policies pay benefits upon the first death and terminate immediately. Survivorship Life (second-to-die) policies pay only after the final insured individual passes away. Joint Life is the preferred choice for business buy-sell agreements and mortgage protection. Survivorship Life is a primary tool for estate planning and covering federal estate taxes. Premiums for both policies are generally more affordable than purchasing separate individual policies for each person. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/d_d4Ufvdcgvl/uBv5VZSilz2_SrLRBo.jpg</video:thumbnail_loc>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-11-sale-of-principal-residence</loc>
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      <video:title>Enrolled Agent Exam Part 1 11, Sale of Principal Residence</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to apply the 2-out-of-5-year ownership and use tests to various exam scenarios. The specific requirements married couples must meet to claim the full 500,000 exclusion. The 2-2-1 for 500k mnemonic to remember the key rules for joint filers. How to calculate a partial exclusion when a taxpayer sells their home for unforeseen circumstances. How periods of non-qualified use, such as renting out the home, can reduce the excludable gain. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>164</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-46-retirement-savings-contributions-credit</loc>
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      <video:title>Enrolled Agent Exam Part 1 46, Retirement Savings Contributions Credit</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The Savers Credit is a non-refundable credit with a maximum of 1,000 for single filers and 2,000 for married couples filing jointly. Eligibility requires being age 18 or older, not being a dependent, and not being a full-time student for five or more months. The credit is calculated on the first 2,000 of retirement contributions per person (4,000 for a joint return), not the total contribution amount. The credit percentage (50%, 20%, or 10%) is strictly determined by the taxpayers AGI and filing status, which must be referenced carefully. A critical exam trap is reducing qualifying contributions by any recent retirement plan distributions taken by the taxpayer. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>220</video:duration>
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      <video:title>Series 6 5, Breakpoint Violations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - What a mutual fund breakpoint is and how it benefits investors. - How to identify the prohibited practice of breakpoint selling in exam scenarios. - The misleading and prohibited practice of selling dividends and why it harms clients. - The role of a Letter of Intent (LOI) and Rights of Accumulation (ROA) in achieving breakpoints. - A simple mnemonic to remember the key violations for exam day. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>218</video:duration>
    </video:video>
  </url>
  <url>
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      <video:title>Options Explained for SIE &amp;amp; Series 7 1 Hardest Topic SIMPLIFIED (2026 Guide)</video:title>
      <video:description>Options are the 1 hardest topic on both the SIE and Series 7 exams and theyre worth 15-25% of your score. This video breaks down calls, puts, strategies, and the math so you NEVER miss an options question again. Key Facts &amp;amp; Stats: Options = 1 reason candidates fail the SIE and Series 7 SIE: 10-15% options questions Series 7: 20-25% options questions Call = Right to BUY at strike price Put = Right to SELL at strike price Max loss for buyers = Premium paid Max loss for sellers = potentially unlimited (naked calls) Breakeven for calls = Strike + Premium Breakeven for puts = Strike - Premium 4 basic positions: Long Call, Short Call, Long Put, Short Put Straddles, Spreads &amp;amp; Combinations are Series 7 HEAVY What Youll Learn: 1. Calls vs. Puts the fundamentals in plain English 2. Buyer vs. Seller (Writer) rights vs. obligations 3. Intrinsic Value vs. Time Value how to calculate 4. The 4 Basic Positions with profit/loss profiles 5. Max Gain, Max Loss &amp;amp; Breakeven for EVERY position 6. Bull Spreads vs. Bear Spreads when to use each 7. Straddles &amp;amp; Combinations the Series 7 favorites 8. Options Tax Treatment &amp;amp; Exercise/Assignment rules 9. Memory tricks: Call Up, Put Down and the Options Matrix 10. 10 practice scenarios with step-by-step solutions FREE SIE Practice Questions: https://open-exam-prep.com/exams/sie FREE Series 7 Practice: https://open-exam-prep.com/exams/series-7 Full Study Guide: https://open-exam-prep.com/blog/sie-series-7-options-explained-2026 Ask Our AI Tutor Anything: https://open-exam-prep.com Recommended SIE Study Books: Kaplan SIE License Exam Manual 4th Edition: https://www.amazon.com/dp/107884772X?tag=openexamprep-20 SIE Exam Prep (510 Questions): https://www.amazon.com/dp/B0CN252KP9?tag=openexamprep-20 SIE Exam Prep with Audiobook Access: https://www.amazon.com/dp/1637758073?tag=openexamprep-20 Recommended Series 7 Study Books: Kaplan Series 7 License Exam Manual 2nd Edition: https://www.amazon.com/dp/1078803730?tag=openexamprep-20 Series 7 Study Guide (750 Questions): https://www.</video:description>
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  <url>
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      <video:title>Enrolled Agent Exam Part 1 13, Depreciation of Rental Property</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to distinguish between the 27.5-year residential and 39-year commercial depreciation periods. Why you must always exclude the value of land from the depreciable basis of a property. The correct way to calculate first-year depreciation using the mandatory mid-month convention. How to identify the correct placed-in-service date, a common exam distraction. The strict limitation preventing the use of Section 179 expensing on rental buildings. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>219</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-47-employer-sponsored-retirement-plans</loc>
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      <video:title>SIE 47, Employer-Sponsored Retirement Plans</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - The key differences between 401(k), 403(b), and 457 plans based on employer type. - How employer matching contributions work as an incentive for employees to save. - The two primary types of vesting schedules: cliff and graded, and what they mean for owning employer funds. - The rules and potential tax consequences associated with taking a loan from a retirement plan. - A simple mnemonic to remember which plan corresponds to for-profit, non-profit, and government employers. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>218</video:duration>
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  <url>
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      <video:title>Nursing Exam Prep NCLEX-RN 37, Electrocardiogram Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to identify the key components of a normal sinus rhythm: P wave, PR interval, and QRS complex duration. To recognize atrial fibrillation on an ECG and differentiate between stable and unstable patient management priorities. The critical first step in assessing a patient with ventricular tachycardia is always checking for a pulse. Why ventricular fibrillation is a pulseless rhythm that requires immediate defibrillation as the top priority action. A key mnemonic to remember the definitive treatment for V-fib: If its V-fib, you D-fib. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>220</video:duration>
    </video:video>
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  <url>
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      <video:title>Enrolled Agent Exam Part 1 03, Standard Deduction for 2025</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The specific 2025 standard deduction amounts for Single, MFJ, and Head of Household. How to determine whether a taxpayer should take the standard deduction or itemize their deductions. How the standard deduction is increased for taxpayers who are age 65 or older, or are blind. How the new One Big Beautiful Bill creates a significant senior deduction that replaces the prior age-based add-on. How to calculate a taxpayers full standard deduction in a complex exam scenario involving multiple additional amounts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>219</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-01-clinical-judgment-measurement-model</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 01, Clinical Judgment Measurement Model</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The six cognitive skills of the Clinical Judgment Measurement Model: Recognize Cues, Analyze Cues, Prioritize Hypotheses, Generate Solutions, Take Action, and Evaluate Outcomes. How to differentiate between relevant clinical cues and distractor information in complex NCLEX-style case studies. The method for prioritizing patient hypotheses based on the most immediate life-threatening risk. How Generate Solutions and Take Action are tested differently, focusing on selecting all appropriate actions versus the single highest priority. A simple mnemonic, Really Awesome Pilots Go To Europe, to recall the six clinical judgment steps in the correct order. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>215</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/oldcar-fiduciary-duties-contracts-explained-real-estate-exam-2026-free-resources-inside</loc>
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      <video:title>OLDCAR Fiduciary Duties &amp;amp; Contracts Explained Real Estate Exam 2026 (FREE Resources Inside)</video:title>
      <video:description>OLDCAR fiduciary duties and contract law are the MOST tested topics on the real estate exam. This video breaks down everything you need to memorize agency relationships, contract elements, and the exam traps that catch 40% of test-takers. Key Facts &amp;amp; Stats: Agency &amp;amp; Contracts = 25-35% of the national exam OLDCAR = Obedience, Loyalty, Disclosure, Confidentiality, Accountability, Reasonable Care 4 elements of a valid contract: Competent parties, Offer &amp;amp; Acceptance, Consideration, Legal purpose 3 types of agency: Universal, General, Special (most common in real estate) Statute of Frauds: Real estate contracts MUST be in writing Dual Agency requires written consent from BOTH parties Buyer agency agreements vs. listing agreements know the difference What Youll Learn: 1. OLDCAR Fiduciary Duties each one explained with examples 2. Agency Relationships: Client vs. Customer duties 3. Types of Listing Agreements (Exclusive Right-to-Sell, Exclusive Agency, Open) 4. Valid Contract Elements the 4 essentials 5. Void vs. Voidable vs. Unenforceable Contracts 6. Statute of Frauds &amp;amp; Parol Evidence Rule 7. Contract Termination: Performance, Breach, Mutual Rescission 8. Dual Agency, Designated Agency &amp;amp; Transaction Brokerage FREE Real Estate Practice Questions: https://open-exam-prep.com/exams/real-estate-salesperson Full Study Guide: https://open-exam-prep.com/blog/real-estate-exam-contracts-agency-guide-2026 Ask Our AI Tutor Anything: https://open-exam-prep.com All Real Estate Guides: https://open-exam-prep.com/blog?category=real-estate Recommended Study Books: Real Estate License Exam Prep (2500+ Questions): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 PSI Real Estate Exam Prep 2025-2026: https://www.amazon.com/dp/1516728475?tag=openexamprep-20 Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. RealEstateExam OLDCAR FiduciaryDuties RealE</video:description>
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      <video:title>Enrolled Agent Exam Part 1 23, Foreign Income and Foreign Accounts</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: U.S. persons are subject to tax on their worldwide income, no matter where they reside. Form 2555, the Foreign Earned Income Exclusion, applies only to earned income like salaries, not to investment income like dividends or interest. You cannot claim the Foreign Tax Credit (Form 1116) for taxes paid on income youve already excluded with Form 2555. An FBAR (FinCEN Form 114) filing is required if the combined value of all foreign financial accounts exceeds 10,000 at any time during the year. The FBAR is a reporting form filed separately with FinCEN, not the IRS, and has significant penalties for non-compliance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Life Insurance Exam National 30 Renewable and Convertible Term Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: How renewable provisions allow policyholders to extend coverage without new medical exams. Why renewal premiums increase based on the insureds attained age. The difference between attained age and original age conversion methods. Why the face amount cannot be increased during renewal or conversion without underwriting. The critical role these provisions play in protecting a policyholders future insurability. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Enrolled Agent Exam Part 1 07, Self-Employment Income Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to calculate net profit on Schedule C by subtracting ordinary and necessary expenses from gross receipts. The critical factors the IRS uses to differentiate an employee from an independent contractor, focusing on the right to control. Why bartered services must be included in gross receipts at their fair market value. The common exam trap of distinguishing between currently deductible expenses and capital expenditures. How net self-employment earnings are subject to SE tax and the proper placement of the one-half SE tax deduction. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>220</video:duration>
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      <video:title>How to Become a Notary in Vermont 2026 Jurisprudence Exam + No Bond + Set Your Own Fees!</video:title>
      <video:description>Vermont requires a Jurisprudence Exam but rewards you with NO bond and NO fee caps you set your own prices! Heres your complete 2026 guide to becoming a VT notary. Key Facts &amp;amp; Stats: Jurisprudence Exam required tests knowledge of VT notary laws No surety bond required saves you money every year No fee caps you set your own notary fees (rare in the US!) 4-year commission term Application fee: 30 Must be a Vermont resident Must be 18 years or older Must be a US citizen or permanent resident Remote Online Notarization (RON) authorized Appointed by the Superior Court in your county Steps to Become a VT Notary: 1. Meet eligibility requirements (18+, VT resident, US citizen/permanent resident) 2. Study Vermont notary laws and procedures 3. Pass the Jurisprudence Exam on VT notary law 4. Complete the notary application 5. Submit application to the Superior Court in your county 6. Pay the 30 application fee 7. Receive your commission from the court 8. Take the oath of office 9. Purchase your notary stamp/seal and journal Why Vermont Is Unique for Notaries: No fee caps = unlimited earning potential per notarial act No bond = lower startup and ongoing costs Jurisprudence Exam = youll actually know VT law (builds confidence) Court appointment = prestigious credential RON available = serve clients remotely Demand areas: Burlington, real estate, legal services, ski resort communities FREE Vermont Notary Guide: https://open-exam-prep.com/blog/vermont-notary-exam-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. VermontNotary NotaryPublic HowToBecomeANotary VTNotary Notary2026 JurisprudenceExam NoBo</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Hvd0YvuQpwSG/071PUtnzk42_NFXOXR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Hvd0YvuQpwSG/1774683682/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=071PUtnzk42</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-12-mandatory-reporting-requirements</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 12, Mandatory Reporting Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Nurses must report the suspicion of abuse or neglect concrete proof is not the required threshold. The immediate priority action for a nurse upon suspecting abuse is to report to the correct external agency, such as Child or Adult Protective Services. Mandatory reporting extends beyond abuse and includes specific communicable diseases (like tuberculosis) and criminally-related injuries (like gunshot wounds). Nurses who report in good faith are legally protected from civil liability, even if the report is ultimately unsubstantiated. Failing to report a legally reportable condition can lead to severe consequences, including loss of license and legal penalties. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/chhKJxGRkgMP/0RvjodSjl52_AtmUlY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/chhKJxGRkgMP/1774683682/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0RvjodSjl52</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-10-advance-directives-and-end-of-life-documents</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 10, Advance Directives and End of Life Documents</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: A durable power of attorney for healthcare is only activated when the patient is incapacitated. A POLST is an actionable medical order, not just a legal document stating future wishes. A DNR (Do Not Resuscitate) order does not mean do not treat comfort care and other medical treatments continue. The nurses priority is to advocate for the patients documented wishes, even if family members object. The mnemonic ADAPT (Ask, Document, Advocate, Provide, Teach) summarizes the nurses key responsibilities. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gvFeVbe6loTj/07vjpYTilO2_xqimpi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gvFeVbe6loTj/1774683683/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=07vjpYTilO2</video:player_loc>
      <video:duration>220</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-17-1035-exchanges</loc>
    <video:video>
      <video:title>Series 6 17, 1035 Exchanges</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The purpose of an IRC Section 1035 exchange and its primary tax-deferral benefit. - The specific types of like-for-like exchanges that are permitted for insurance and annuity contracts. - The single most important prohibited exchange that is frequently tested on the exam. - Critical rules that must be followed for an exchange to be valid, such as direct transfer and consistent ownership. - A memorable phrase to help you recall the forbidden exchange path and avoid common exam traps. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/d2laZrG7UEgR/v6uioYT4lP2_zxbGsk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/d2laZrG7UEgR/1774683808/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=v6uioYT4lP2</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-38-gambling-losses-deduction</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 38, Gambling Losses Deduction</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Gambling losses are only deductible up to the amount of your reported gambling winnings. For casual gamblers, losses are an itemized deduction on Schedule A and do not reduce Adjusted Gross Income (AGI). Professional gamblers report on Schedule C, but a net gambling loss cannot offset other types of income. Gross winnings must be reported as income you cannot simply report the net result of winnings minus losses. The IRS requires strict documentation to substantiate claimed losses, and without it, the deduction can be fully disallowed. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/a0tW3d0QocgO/1k0zVcnOkP2_OsrQXY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/a0tW3d0QocgO/1774683807/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1k0zVcnOkP2</video:player_loc>
      <video:duration>222</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-7-mutual-fund-expenses</loc>
    <video:video>
      <video:title>Series 6 7, Mutual Fund Expenses</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - How a mutual funds expense ratio is calculated and the key costs it includes. - The role of the management fee as the largest component of a funds operating expenses. - The purpose of 12b-1 fees, their use in marketing and distribution, and FINRAs annual cap. - The specific rule that determines whether a fund can be marketed as no-load based on its 12b-1 fee. - How small differences in fees can significantly impact an investors total returns over the long term due to compounding. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/aIFaJtaYkgLa/vA0jUdS4lO2_aGbiNl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/aIFaJtaYkgLa/1774683808/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vA0jUdS4lO2</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-24-emergency-response-and-disaster-preparedness</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 24, Emergency Response and Disaster Preparedness</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The immediate priority in a facility fire is always patient rescue (the R in RACE). START triage in mass casualty incidents prioritizes saving the most lives, not the most critically injured. The mnemonic 30-2-Can Do helps quickly categorize patients during START triage based on respirations, perfusion, and mental status. A black tag (expectant) in triage means the patient is deceased or has injuries incompatible with life they receive comfort care only after others are treated. Understand the difference between RACE (fire response steps) and PASS (how to use an extinguisher) to avoid common exam confusion. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fKtaRffJQoVa/1Q0jVYT5k42_KlspVt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fKtaRffJQoVa/1774683806/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1Q0jVYT5k42</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-59-registration-and-licensing</loc>
    <video:video>
      <video:title>SIE 59, Registration and Licensing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - The purpose and key information required on Form U4, including the 5-year residency and 10-year employment history. - How the Central Registration Depository (CRD) system functions as the industrys central database for agent information. - What events trigger a statutory disqualification, with a focus on the 10-year lookback period for felonies and specific misdemeanors. - The process and timeline for filing Form U5 upon termination and the 2-year window to keep licenses active. - The differences between the two types of Continuing Education: the Regulatory Element with its specific schedule and the annual Firm Element. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dIp8MdW6pweP/1Qv4UJn5k52_xZDCKR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/dIp8MdW6pweP/1774683819/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1Qv4UJn5k52</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-34-home-mortgage-interest-deduction</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 34, Home Mortgage Interest Deduction</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The home acquisition debt limit is 750,000 (375,000 MFS) for mortgages taken out after December 15, 2017. Mortgages from on or before December 15, 2017 are grandfathered under the older 1 million limit (500,000 MFS). Interest on home equity debt is only deductible if the proceeds are used to buy, build, or substantially improve the qualified residence. Points paid on an original mortgage are deductible in the year paid, but points on a refinance must be amortized over the loans life. The interest amount on Form 1098 must be adjusted if the mortgage balance exceeds the legal debt limitations. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/eDEWZbbIgAgi/vluzoIT4l52_vWPafi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/eDEWZbbIgAgi/1774683828/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vluzoIT4l52</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-19-unemployment-compensation-and-other-income</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 19, Unemployment Compensation and Other Income</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Unemployment compensation is always 100% taxable on a federal return, with no exceptions or income thresholds. Gambling winnings are fully taxable income, and losses are only deductible up to the amount of winnings as an itemized deduction on Schedule A. Prizes and awards, whether received as cash or property, must be included in gross income at their full fair market value. Hobby income is fully reportable, but related expenses are not deductible, meaning a hobby cannot generate a taxable loss. Jury duty pay is taxable, but if an employer requires an employee to turn it over, that amount can be deducted as an adjustment to income. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hpkGJx0ZIAnI/vlv4odmPlO2_uErCoj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hpkGJx0ZIAnI/1774683840/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vlv4odmPlO2</video:player_loc>
      <video:duration>222</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-49-margin-accounts-maintenance-and-calls</loc>
    <video:video>
      <video:title>SIE 49, Margin Accounts - Maintenance and Calls</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The core formula for calculating equity in a long margin account. - How to determine the minimum maintenance equity required by FINRA. - A step-by-step calculation of a maintenance margin call. - What happens during a forced liquidation if a margin call is not met. - A mental shortcut to quickly find the market value that triggers a margin call. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/engeUxH6Mook/v7vOUsTOk52_TSdgWZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/engeUxH6Mook/1774683834/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=v7vOUsTOk52</video:player_loc>
      <video:duration>222</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-38-put-options-rights-and-strategies</loc>
    <video:video>
      <video:title>SIE 38, Put Options - Rights and Strategies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - What right a put option grants to its owner. - Why buying a put option is considered a bearish strategy. - How to calculate the breakeven point and potential profit for a long put position. - How a protective put can be used as a hedging strategy to insure a stock position against losses. - A simple mnemonic to remember the market outlook associated with buying puts. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bBkOYtaIcAmP/17vOpZS5l52_GBzgnX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bBkOYtaIcAmP/1774683834/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=17vOpZS5l52</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-11-mutual-fund-prospectus-and-sai</loc>
    <video:video>
      <video:title>Series 6 11, Mutual Fund Prospectus and SAI</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam exam. In this episode you will learn: - The legal requirement to deliver a mutual fund prospectus at or before the point of solicitation. - The critical information contained within a prospectus, such as objectives, risks, and fees. - How different share classes and their associated expenses are disclosed to investors. - The purpose of the Statement of Additional Information (SAI) and how it differs from the prospectus. - Common exam traps related to prospectus delivery timing and distinguishing between the prospectus and the SAI. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LOk47feIhASJ/CQviosn4lz2_olGrLO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LOk47feIhASJ/1774683964/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CQviosn4lz2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-38-credit-life-insurance-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 38 Credit Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Credit life insurance is a specialized form of decreasing term insurance where the face amount matches the outstanding loan balance. The creditor is the policyowner and beneficiary, while the debtor is the insured party. The death benefit is paid directly to the lender to extinguish the debt and cannot exceed the amount of the indebtedness. Lenders are prohibited from requiring borrowers to purchase credit life insurance from a specific insurer as a condition of the loan. If a debt is paid off early, the insurance coverage must be terminated and any unearned premiums must be returned to the borrower. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/e-kKJr1ZIwma/8A1OUInOlz2_XZBqZp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/e-kKJr1ZIwma/1774683964/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8A1OUInOlz2</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-51-order-qualifiers-and-execution</loc>
    <video:video>
      <video:title>SIE 51, Order Qualifiers and Execution</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - The fundamental difference between time-based qualifiers like Day and GTC orders. - How volume-based qualifiers like All-or-None (AON) and Fill-or-Kill (FOK) function. - The critical distinction between AON and FOK orders, a common source of confusion on the exam. - What the regulatory obligation of best execution truly means beyond just getting the lowest price. - A simple mnemonic to remember the difference between AON and FOK orders. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/g_di-r0QIcFI/CQvipZTPly2_GllioA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/g_di-r0QIcFI/1774684095/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CQvipZTPly2</video:player_loc>
      <video:duration>143</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-55-acute-coronary-syndrome</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 55, Acute Coronary Syndrome</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to use an ECG and cardiac troponins to differentiate between STEMI, NSTEMI, and unstable angina. The critical time-sensitive goals for STEMI treatment, including door-to-balloon and door-to-needle times. The correct application and common NCLEX traps associated with the MONA protocol for chest pain. Recognizing atypical ACS symptoms in special populations like women, the elderly, and patients with diabetes. Prioritizing nursing interventions when a patient presents with suspected acute coronary syndrome. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LVtGIdKRNwEP/CA1joYS5ki2_mLZxjw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LVtGIdKRNwEP/1774684108/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CA1joYS5ki2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-ethics-fiduciary-duty-guide-2026-laws-regulations-free-practice</loc>
    <video:video>
      <video:title>Series 65 Ethics &amp;amp; Fiduciary Duty Guide 2026 Laws &amp;amp; Regulations (FREE Practice)</video:title>
      <video:description>Master ethics, fiduciary duty, and investment adviser regulations for the Series 65 exam in 2026! This guide covers the Uniform Securities Act, NASAA rules, and key laws you need to know to pass. Series 65 Exam Quick Facts: 130 questions (110 scored + 20 pretest), 180 minutes 72.3% passing score (80 out of 110 scored questions) Laws, Regulations &amp;amp; Guidelines section is 30% of the exam Administered by FINRA through Prometric centers FREE Series 65 Practice Questions: https://open-exam-prep.com/exams/series-65 FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Kaplan Series 65 Securities License Exam Manual: https://www.amazon.com/dp/1078825327?tag=openexamprep-20 Series 65 Exam Study Guide: https://www.amazon.com/dp/B0FFB4F26P?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. Series65 FiduciaryDuty InvestmentAdviser NASAA UniformSecuritiesAct ExamPrep 2026 Free Series65Exam FinancialAdvisor RIA SecuritiesLicense Timestamps: 0:00 - Introduction 0:08 - Key Facts &amp;amp; Stats 0:42 - Content Breakdown 2:05 - Hardest Topics 3:29 - Study Strategy &amp;amp; Next Steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NRBGNhWZJw8c/87ujVZmzRj2_ysyCQP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/NRBGNhWZJw8c/1774684101/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=87ujVZmzRj2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-19-variable-universal-life-insurance</loc>
    <video:video>
      <video:title>Series 6 19, Variable Universal Life Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The meaning of flexible premiums in a Variable Universal Life (VUL) policy and how they affect cash value. - The difference between the two primary death benefit options, Option A (level) and Option B (increasing). - How VUL policies combine the investment risks and potential rewards of variable products with the flexibility of universal life. - Common suitability questions and exam traps related to VUL insurance, such as the non-guaranteed nature of cash value. - A simple mnemonic to remember the key characteristics of VUL and its ideal client profile. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/H7tWId06NAxb/8luzVZTiRj2_wiMJGO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/H7tWId06NAxb/1774684103/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8luzVZTiRj2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-27-personal-and-business-uses-of-life-insurance-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 27 Personal and Business Uses of Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The critical differences between the Human Life Value approach and the Needs Approach for determining coverage. How Key Person insurance is structured and the specific tax treatment of its premiums and benefits. The mathematical formula for determining the number of policies needed in a Cross-Purchase Buy-Sell agreement. How Section 162 Executive Bonus plans function as a deductible expense for employers but taxable income for employees. The definition of the Social Security Blackout Period and its impact on survivor income planning. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/M9xS7bfQcs0j/871ipJnjRz2_RlESRX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/M9xS7bfQcs0j/1774684102/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=871ipJnjRz2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-45-customer-account-types-business-and-fiduciary</loc>
    <video:video>
      <video:title>SIE 45, Customer Account Types - Business and Fiduciary</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The specific documentation required to open corporate, partnership, and trust accounts. - The fundamental responsibilities of a fiduciary under the Prudent Investor Rule. - Key features of custodial accounts (UGMA/UTMA), including ownership, control, and tax implications. - Prohibited activities in fiduciary accounts, such as a custodian using account funds for parental obligations. - Common exam traps, like an unauthorized corporate officer attempting to place a trade or a trustee ignoring the trusts specific limitations. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hAdKYveRlEDQ/CB1PocmyQi2_JXlYDS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hAdKYveRlEDQ/1774684230/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CB1PocmyQi2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-37-casualty-and-theft-loss-deductions</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 37, Casualty and Theft Loss Deductions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Personal casualty and theft losses are only deductible if they occur in a federally declared disaster area. The deductible loss is calculated by taking the lesser of the propertys basis or the decrease in FMV, then subtracting insurance payouts. Each casualty event is subject to a 100 reduction, followed by a reduction of 10% of the taxpayers Adjusted Gross Income (AGI). The strict disaster area rule does not apply to business or income-producing property, which is a common exam distinction. Taxpayers may elect to deduct the loss on the tax return for the year preceding the disaster year, potentially for a greater tax benefit. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/J5sO_hXJlA0O/9QuOVZT4Ri2_VevtUx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/J5sO_hXJlA0O/1774684375/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9QuOVZT4Ri2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-20-surgical-asepsis-and-sterile-technique</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 20, Surgical Asepsis and Sterile Technique</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Sterility is an absolute concept on the NCLEX an item is either 100% sterile or 100% contaminated. The one-inch border of a sterile field is always considered contaminated, and touching it compromises the entire field. Any sterile item must be kept above waist level and within your direct line of sight at all times. Moisture on a sterile drape causes strike-through or wicking contamination, requiring immediate replacement of the field. The priority action after any break in sterile technique is to stop the procedure and replace the contaminated items or field. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/b7keYbeRkwDR/9Qu5ptn5Ry2_LgYuqn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/b7keYbeRkwDR/1774684370/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9Qu5ptn5Ry2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-22-title-insurance-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 22, Title Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - Why title insurance is retrospective and protects against past defects rather than future events. - The differences between a lender policy which decreases over time and an owner policy which does not. - Why title insurance premiums are a one-time payment at closing rather than a recurring cost. - The concept of subrogation and how insurance companies use it to recover claim costs. - Common exclusions found in title policies such as defects revealed only by a physical survey. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gVkuZf1ZlsFb/Dk0jVtSPQz2_VWLABh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gVkuZf1ZlsFb/1774684369/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dk0jVtSPQz2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-13-law-of-large-numbers-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 13 Law of Large Numbers Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: How the Law of Large Numbers converts individual uncertainty into group predictability. The requirement for homogeneous exposure units and how it relates to underwriting. Why the margin of error decreases as the size of the insured group increases. The distinction between predicting group loss frequency versus individual mortality. How this principle provides the mathematical foundation for setting insurance premiums. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/M_cK3tv6pEDb/DA1iVsmPRi2_rXJdQY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/M_cK3tv6pEDb/1774684375/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DA1iVsmPRi2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-44-blood-transfusion-administration</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 44, Blood Transfusion Administration</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical importance of the two-nurse verification process for patient ID and blood compatibility. The correct procedure for initiating a blood transfusion, including the exclusive use of normal saline. How to differentiate between acute hemolytic, febrile, and allergic transfusion reactions. The absolute first nursing action for any suspected transfusion reaction is to stop the infusion immediately. The Stop, Saline, Save mnemonic for remembering the initial steps in managing a transfusion reaction. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/awkuIrzcgw9c/DR1ypITiQz2_UaiOry.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/awkuIrzcgw9c/1774684493/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DR1ypITiQz2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-34-variable-annuities-features-and-taxation</loc>
    <video:video>
      <video:title>SIE 34, Variable Annuities - Features and Taxation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The function of a variable annuity death benefit and how it protects beneficiaries. - How surrender charges are structured and create illiquidity for the contract owner. - The purpose of Mortality &amp;amp; Expense (M&amp;amp;E) risk charges and other administrative fees. - How tax-deferred growth allows investments to compound without annual taxation. - The LIFO (Last-In, First-Out) method for taxing withdrawals and the 10% penalty for distributions before age 59.5. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/casW_h5cdwwc/DlvjoZnjQi2_hMPQQW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/casW_h5cdwwc/1774684493/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DlvjoZnjQi2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-26-money-market-instruments</loc>
    <video:video>
      <video:title>SIE 26, Money Market Instruments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The core characteristics of money market instruments: short-maturity, high-quality, and high-liquidity. - Why corporations issue commercial paper with maturities of 270 days or less. - How bankers acceptances are used to facilitate international trade and import/export financing. - The mechanics of a repurchase agreement (repo) and who is considered the borrower. - Common traps and key distinctions between these instruments as tested on the SIE exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/agsG_vjlgwFI/9R0jpZS5Rj2_TvVIUr.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/agsG_vjlgwFI/1774684493/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9R0jpZS5Rj2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-45-pharmacology-principles</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 45, Pharmacology Principles</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to apply the four principles of pharmacokinetics (ADME) to NCLEX-style patient scenarios involving organ dysfunction. The critical nursing interventions required for medications with a narrow therapeutic index, such as lithium or digoxin. How to differentiate between a manageable side effect and a life-threatening adverse effect to prioritize nursing actions. Why you must question standard medication dosages for clients with liver or kidney failure to prevent drug toxicity. A simple mnemonic, Organ function dictates drug action, to connect patient assessment findings to medication safety. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LJlW_d9dMgNO/CAviVsmzR52_zWXBOk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LJlW_d9dMgNO/1774684637/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CAviVsmzR52</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-3-mutual-fund-share-classes</loc>
    <video:video>
      <video:title>Series 6 3, Mutual Fund Share Classes</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The key differences between Class A, B, and C mutual fund shares. - How front-end loads, back-end loads (CDSCs), and level loads impact an investment. - How breakpoints on Class A shares can reduce sales charges for large investments. - To identify common suitability traps tested on the exam, matching share classes to client time horizons and investment amounts. - A simple mnemonic to easily recall the fee structure of each share class. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LZFaQhyshsTG/8AvOUYSyR42_RKWkWt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LZFaQhyshsTG/1774684637/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8AvOUYSyR42</video:player_loc>
      <video:duration>228</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-43-alternative-investments</loc>
    <video:video>
      <video:title>SIE 43, Alternative Investments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - What defines a hedge fund, including its aggressive strategies and 2 and 20 fee structure. - The key differences between private equity and hedge funds, particularly the long-term investment horizon. - The nature of structured products like Exchange-Traded Notes (ETNs) and their embedded credit risk. - The specific income and net worth thresholds an individual must meet to be considered an accredited investor. - The primary risks of alternative investments, focusing on illiquidity, complex strategies, and high fees. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/eZpqUfPcIshc/8Qv5psTyRO2_whMWrg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/eZpqUfPcIshc/1774684637/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Qv5psTyRO2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-07-rectangular-survey-system-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 07, Rectangular Survey System Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam real estate exam. In this episode you will learn: The fundamental roles of Principal Meridians and Base Lines in the legal description grid. How to differentiate between the dimensions and total area of townships versus sections. The specific boustrophedon numbering pattern used for the thirty-six sections in a township. Mathematical shortcuts for calculating total acreage from complex fractional legal descriptions. How to identify exam traps involving the word AND and the conversion of acres to square feet. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KWEy2h8Bdc2a/CA0OVcmPQ42_siriIt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KWEy2h8Bdc2a/1774684662/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CA0OVcmPQ42</video:player_loc>
      <video:duration>360</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-26-suitability-and-customer-profiles</loc>
    <video:video>
      <video:title>Series 6 26, Suitability and Customer Profiles</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The core principle of FINRA Rule 2111 and the Know Your Customer obligation. - How to analyze the key components of a customers profile: risk tolerance, time horizon, and objectives. - Matching specific investment types (like stocks, bonds, and mutual funds) to different client goals. - Identifying common suitability traps on the exam, such as a clients unsuitable request. - Using the A-R-T of Suitability mental model to deconstruct exam scenario questions. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NNtq_fmkhkmc/CQ0zodnPR52_DvrCqP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/NNtq_fmkhkmc/1774684654/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CQ0zodnPR52</video:player_loc>
      <video:duration>229</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-40-grace-period-provision-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 40 Grace Period Provision Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The grace period is a mandatory provision typically lasting thirty one days. Coverage remains in full force and effect during the entire grace period. Insurers must pay death claims during this window but will deduct overdue premiums. The grace period is designed specifically to prevent unintentional policy lapse. Distinguishing between the grace period and reinstatement is a key exam requirement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/agtm6fjlokoR/ClujVYm5Q52_PrUMeu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/agtm6fjlokoR/1774684726/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ClujVYm5Q52</video:player_loc>
      <video:duration>230</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-21-fall-prevention-strategies</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 21, Fall Prevention Strategies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to apply the assess first principle when a patient fall occurs, a common NCLEX priority question. Why choosing the least restrictive intervention, like hourly rounding over restraints, is critical for exam success. To identify high-risk medications such as diuretics and benzodiazepines that trigger a need to update the fall prevention plan. The importance of using validated assessment tools, like the Morse Fall Scale, to identify at-risk patients based on clinical data. How to use the SAFE FALLS mnemonic to structure your approach to fall prevention and recall key interventions during the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gspyMhzBRASI/ClvypdmPR52_mnlvEM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gspyMhzBRASI/1774684727/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ClvypdmPR52</video:player_loc>
      <video:duration>229</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-18-social-security-benefits-taxation</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 18, Social Security Benefits Taxation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The provisional income formula is Modified AGI plus one-half of Social Security benefits. The first-tier base amounts you must memorize are 25,000 for single filers and 32,000 for joint filers. A zero-dollar base amount applies to Married Filing Separately taxpayers who lived together, a common exam trap. Taxability is determined by a two-tier system, making 0%, up to 50%, or up to 85% of benefits taxable. The taxable amount is always the result of a lesser of comparison, a crucial step in the calculation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/frBiNbmcVsTa/8l1yodSORP2_wybLqP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/frBiNbmcVsTa/1774684727/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8l1yodSORP2</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-52-trade-settlement-and-clearing</loc>
    <video:video>
      <video:title>SIE 52, Trade Settlement and Clearing</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The definition of trade settlement and the standard T+1 cycle for most securities. - How the Depository Trust &amp;amp; Clearing Corporation (DTCC) acts as the central hub for clearing and settling trades. - The concept of book-entry ownership and holding securities in street name. - Key timing differences, including the Regulation T payment deadline which is T+3. - Common exam questions and traps related to settlement timelines versus payment deadlines. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/IfFW2xOBpooi/CRv5Ucm5Q42_fLDFpd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/IfFW2xOBpooi/1774684726/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CRv5Ucm5Q42</video:player_loc>
      <video:duration>230</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-54-dual-agency-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 54, Dual Agency Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The legal definition of dual agency at the broker level versus the salesperson level Why written informed consent is the absolute requirement for legal dual agency Which fiduciary duties are limited and which remain intact during a dual transaction How to identify and avoid the trap of implied dual agency through conduct A mnemonic to remember the core requirements for representing both parties For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dsp8YhjkRAgQ/CB15UdTPQO2_JoDEUA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/dsp8YhjkRAgQ/1774684739/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CB15UdTPQO2</video:player_loc>
      <video:duration>243</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-47-cardiovascular-medications</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 47, Cardiovascular Medications</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Recognize angioedema as a life-threatening emergency with ACE inhibitors (-pril drugs) and prioritize airway assessment. Always check apical pulse for one full minute before giving beta-blockers (-lol drugs) or digoxin, holding the dose if the heart rate is below 60 bpm. Identify signs of digoxin toxicity, which include gastrointestinal issues and classic visual disturbances like yellow-green halos. Understand that grapefruit juice should be avoided with calcium channel blockers to prevent severe hypotension. Differentiate between Warfarin (monitored by PT/INR with Vitamin K as the antidote) and Heparin (monitored by aPTT with protamine sulfate as the antidote). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cGta3vyklEKl/DA1PUdT4l52_hPGhOg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/cGta3vyklEKl/1774684893/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DA1PUdT4l52</video:player_loc>
      <video:duration>235</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-53-seller-agent-and-buyer-agent-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 53, Seller Agent and Buyer Agent Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The fundamental differences between representing a client versus assisting a customer. How to apply the OLD CAR mnemonic to remember the six essential fiduciary duties. The requirement for agency disclosure at the point of first substantive contact. Why the duty of confidentiality persists even after a transaction has legally closed. The distinction between fiduciary loyalty to a client and the obligation to disclose material facts to all parties. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/f0BuQr4lpgoG/DkuipsmyR52_xLEDTk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/f0BuQr4lpgoG/1774684893/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DkuipsmyR52</video:player_loc>
      <video:duration>248</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-52-waiver-of-premium-rider-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 52 Waiver of Premium Rider Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The specific requirements for a total disability that triggers the waiver of premium. How the six-month waiting period works and the rules for retroactive premium refunds. The impact of the rider on cash value accumulation and dividend payments. The standard age limits of sixty to sixty-five after which the rider typically expires. The difference between standard waiver riders and the waiver of monthly deductions in universal life policies. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JGFqMv5lUsUJ/DQuyVsTiQ42_HEvdoJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JGFqMv5lUsUJ/1774684894/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DQuyVsTiQ42</video:player_loc>
      <video:duration>262</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-49-principal-agent-relationship-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 49, Principal Agent Relationship Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The legal distinction between a client and a customer in agency law. The four ways an agency relationship is created including express and implied methods. How to apply the OLD CAR mnemonic to fiduciary duty exam scenarios. The critical differences between the duties of loyalty and disclosure to a principal. Why the source of commission payment does not establish an agency relationship. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hJoWRhysoweP/D6uyoZSPQ42_sBIFeP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hJoWRhysoweP/1774684872/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=D6uyoZSPQ42</video:player_loc>
      <video:duration>232</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-6-net-asset-value-calculation</loc>
    <video:video>
      <video:title>Series 6 6, Net Asset Value Calculation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The exact formula for calculating a mutual funds Net Asset Value (NAV). - How to apply the NAV formula with a clear, step-by-step numerical example. - The regulatory requirement for mutual funds to calculate NAV at least once daily. - What forward pricing means and how it determines the price an investor receives. - Common exam traps related to order timing and the difference between redemption price and purchase price. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hWxyUhOlUoNl/DA0PUtnPQ52_govGbe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hWxyUhOlUoNl/1774684886/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DA0PUtnPQ52</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-25-risk-classification-categories-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 25 Risk Classification Categories Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: Preferred Plus applicants represent elite health and receive the lowest premium rates. Standard risk is the actuarial benchmark for average health and life expectancy. Substandard risks lead to rated policies which carry higher premiums than standard risks. Table ratings typically add twenty-five percent to the standard premium for every level of increased risk. Tobacco use acts as a significant multiplier for premiums regardless of other health classifications. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KNsaQx5kVkKl/DAujocT4RO2_PSTdFQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KNsaQx5kVkKl/1774684871/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DAujocT4RO2</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-12-fee-simple-absolute-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 12, Fee Simple Absolute Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Why Fee Simple Absolute is considered the highest form of property ownership and how it is defined as an estate of inheritance. The distinction between Fee Simple Absolute and Fee Simple Defeasible including the importance of strings attached language. The four government powers that limit absolute ownership remembered through the mnemonic PETE. The specific rights included in the bundle of rights and how they apply to fee simple owners. Common exam traps regarding the duration of estates and the differences between police power and eminent domain. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/g3kq_rTAkoTk/9Q1yUcn5R42_kZyUIG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/g3kq_rTAkoTk/1774684871/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9Q1yUcn5R42</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-40-potassium-imbalances</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 40, Potassium Imbalances</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Differentiate the key ECG findings, peaked T waves in hyperkalemia versus flattened T-waves and U-waves in hypokalemia. Identify the most common causes of potassium imbalances, such as loop diuretics for hypokalemia and renal failure for hyperkalemia. Recall the cardinal safety rule of IV potassium administration which is to never push, always dilute, and infuse slowly. Prioritize the emergency nursing interventions for life-threatening hyperkalemia, including IV calcium gluconate and insulin with dextrose. Recognize common medication-related exam traps, such as confusing potassium-wasting diuretics like Furosemide with potassium-sparing diuretics like Spironolactone. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JngGRrmshoMG/DlvOUITPQ42_VpEFDi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JngGRrmshoMG/1774685009/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DlvOUITPQ42</video:player_loc>
      <video:duration>232</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-32-genitourinary-assessment</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 32, Genitourinary Assessment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Learn the critical difference between urinary retention and oliguria, and when to use a bladder scanner. Understand how to interpret intake and output records to identify fluid imbalance, recognizing the minimum acceptable output of 30 mL/hr. Apply the COCA mnemonic (Color, Odor, Clarity, Amount) to accurately assess urine characteristics and identify signs of infection. Master the key nursing interventions to prevent Catheter-Associated Urinary Tract Infections (CAUTIs), a major patient safety topic on the NCLEX. Recognize creatinine as the most reliable indicator of kidney function and know the priority nursing actions for a patient with an elevated level. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hkcy_r5BcwVJ/9lvjUdn5RP2_jybiYr.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hkcy_r5BcwVJ/1774685009/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9lvjUdn5RP2</video:player_loc>
      <video:duration>233</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-41-reits</loc>
    <video:video>
      <video:title>SIE 41, REITs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The 75-75-90 rule for a REIT to maintain its tax-advantaged status. - How REITs avoid corporate taxation through the conduit or pass-through theory. - The key differences between Equity REITs (rent income) and Mortgage REITs (interest income). - The tax treatment of REIT dividends as ordinary income, not qualified dividends. - Why publicly traded REITs offer greater liquidity compared to direct property ownership. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bFBKRbPtdw_J/9B15otT4RO2_yHhxps.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bFBKRbPtdw_J/1774685142/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9B15otT4RO2</video:player_loc>
      <video:duration>232</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-23-municipal-bond-taxation</loc>
    <video:video>
      <video:title>SIE 23, Municipal Bond Taxation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The federal tax-exempt status of municipal bond interest. - How state and local taxes apply to in-state versus out-of-state bonds. - How to calculate the tax-equivalent yield to compare muni and corporate bonds. - The role of the Alternative Minimum Tax (AMT) for private activity bonds. - The important distinction between tax-free interest and taxable capital gains. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/I8wmIrjAdwhI/0c84Usnyki2_eRQpzv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/I8wmIrjAdwhI/1774685152/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0c84Usnyki2</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-16-variable-annuity-taxation</loc>
    <video:video>
      <video:title>Series 6 16, Variable Annuity Taxation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - How tax-deferred growth works within a variable annuitys separate account. - The Last-In, First-Out (LIFO) method for taxing withdrawals from non-qualified annuities. - How to calculate the taxable portion of a partial withdrawal and identify the remaining cost basis. - The rules and calculation for the 10% early withdrawal penalty for annuitants under age 59½. - Common exam traps, including distinguishing annuity taxation from that of other investment products. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/g4kaIv8BIgKJ/uc9zUsS4Rz2_KYDtlP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/g4kaIv8BIgKJ/1774685141/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uc9zUsS4Rz2</video:player_loc>
      <video:duration>233</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/how-to-become-a-notary-in-wisconsin-2026-online-exam-500-bond-lowest-in-the-us</loc>
    <video:video>
      <video:title>How to Become a Notary in Wisconsin 2026 Online Exam + 500 Bond (Lowest in the US!)</video:title>
      <video:description>Wisconsin has the LOWEST notary bond in the entire country just 500! Plus the exam is online with a built-in tutorial. Heres your complete 2026 guide. Key Facts &amp;amp; Stats: Online exam required includes a tutorial before the test 500 surety bond required (lowest bond amount in the United States!) 4-year commission term Application fee: 20 Must be a Wisconsin resident Must be 18 years or older Must not have been convicted of a felony (unless pardoned) Appointed by the Department of Financial Institutions Remote Online Notarization (RON) authorized Maximum fee: 0.50 per signature (one of the lowest in the nation) Steps to Become a WI Notary: 1. Meet eligibility requirements (18+, WI resident, no felony convictions) 2. Obtain a 500 surety bond from a licensed bonding company 3. Complete the online tutorial and exam 4. Pass the notary exam 5. Submit your application to the Department of Financial Institutions 6. Pay the 20 application fee 7. Submit your surety bond with the application 8. Receive your commission certificate 9. Purchase your notary stamp/seal and journal Why Wisconsin Is Budget-Friendly for Notaries: 500 bond = lowest in the US (costs only a few dollars/year for the premium) 20 application fee = one of the cheapest filing fees Online tutorial + exam = study and test from home, no travel needed Tutorial included = the state helps you learn before you test 4-year commission = standard renewal cycle RON available = earn money notarizing remotely Strong demand: Milwaukee, Madison, Green Bay, real estate market FREE Wisconsin Notary Guide: https://open-exam-prep.com/blog/wisconsin-notary-exam-guide-2026 All State Notary Guides: https://open-exam-prep.com/blog?category=notary Ask Our AI Tutor: https://open-exam-prep.com Recommended Notary Resources: The Complete How-To Guide for Notaries (NNA): https://www.amazon.com/dp/1597672386?tag=openexamprep-20 Notary Public Logbook (Peter Pauper Press): https://www.amazon.com/dp/1441317325?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associ</video:description>
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      <video:content_loc>https://streaming.open.video/contents/f4AW6fmAdgLj/1774685155/index.m3u8</video:content_loc>
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      <video:duration>233</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-56-anti-money-laundering-aml</loc>
    <video:video>
      <video:title>SIE 56, Anti-Money Laundering (AML)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - Learn the key differences between the Bank Secrecy Act and the USA PATRIOT Act. - Understand the distinction between the Customer Identification Program (CIP) and Know Your Customer (KYC). - Identify when a Currency Transaction Report (CTR) must be filed for cash transactions. - Recognize activities, like structuring, that would trigger a Suspicious Activity Report (SAR). - Learn a simple mnemonic to remember the difference between a CTR and a SAR. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/H8EaJr5cNsTG/0tCOUdmjli2_nFaaGF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/H8EaJr5cNsTG/1774685154/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0tCOUdmjli2</video:player_loc>
      <video:duration>232</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-14-passive-activity-loss-rules</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 14, Passive Activity Loss Rules</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How passive activity losses (PALs) are generally only deductible against passive income, not active or portfolio income. The mechanics of the special 25,000 loss allowance for individuals who actively participate in rental real estate. The critical Modified Adjusted Gross Income (MAGI) phase-out range of 100,000 to 150,000 for the rental loss allowance. The rules for carrying forward suspended passive losses and how they are fully released upon a taxable disposition of the activity. How to meet the material participation standard, focusing on the 500-hour test, to reclassify an activity as non-passive. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/J4oq2vSkgkMR/uZCiUtSjly2_nTdNJZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/J4oq2vSkgkMR/1774685140/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uZCiUtSjly2</video:player_loc>
      <video:duration>233</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-51-policy-loans-and-automatic-premium-loan-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 51 Policy Loans and Automatic Premium Loan Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Why policy loans are technically debt secured by collateral rather than direct withdrawals. How outstanding loans and accrued interest impact the final death benefit payment. The mechanics of the Automatic Premium Loan provision and its role after the grace period. Why the APL provision is restricted to cash value policies and is generally elective. The termination risks when loan balances exceed cash value and the required notice period. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/GTte6hnBMguH/ut95pJS5Rj2_EyiApX.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ut95pJS5Rj2</video:player_loc>
      <video:duration>234</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-09-capital-gains-and-losses-introduction</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 09, Capital Gains and Losses Introduction</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical distinction between a capital asset (like a stock) and a non-capital asset (like a business delivery van). How to master the holding period rule: a sale must occur more than one year after purchase to be long-term. The proper reporting flow from the detailed transaction list on Form 8949 to the summary on Schedule D. Why long-term gains on collectibles are taxed at a special 28% maximum rate, not the standard 0/15/20% rates. How unrecaptured Section 1250 gain from depreciable real property is subject to a 25% maximum tax rate. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/eCh43dncoc8J/vICOoYnyly2_TtPkis.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/eCh43dncoc8J/1774685287/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vICOoYnyly2</video:player_loc>
      <video:duration>233</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-16-joint-tenancy-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 16, Joint Tenancy Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The core definition of the right of survivorship and why it bypasses the probate process and wills. How to apply the PITT mnemonic to remember the four essential unities of possession, interest, time, and title. The specific ways a joint tenancy is terminated or converted into a tenancy in common when an owner sells their share. Why corporations are legally barred from holding title as joint tenants due to their perpetual existence. The critical distinction between equal ownership shares in joint tenancy versus unequal shares in tenancy in common. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LmFq3hSAVgxl/1I8OotTiki2_wsahsW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LmFq3hSAVgxl/1774685288/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1I8OotTiki2</video:player_loc>
      <video:duration>233</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-16-standard-precautions</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 16, Standard Precautions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Standard Precautions apply to ALL patients, regardless of their diagnosis or presumed infection status. Hand hygiene is the single most important component, performed before and after every patient contact. PPE selection is based on the anticipated exposure to blood or bodily fluids, not the patients diagnosis. A simple mnemonic for doffing (removing) PPE in the correct order for the exam: Gloves, Goggles, Gown, Mask (alphabetical order). The absolute rule of sharps safety: Never recap a used needle and dispose of it immediately in a puncture-resistant container. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fkFeJdyskgwc/vd8yUITylz2_eqhOFz.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vd8yUITylz2</video:player_loc>
      <video:duration>235</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-19-waiver-and-estoppel-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 19 Waiver and Estoppel Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: The critical differences between express and implied waivers in insurance contracts. How the legal doctrine of estoppel acts as a barrier to prevent insurers from denying coverage. The role of detrimental reliance and how agent statements can bind an insurance company. Why habitual acceptance of late premiums can lead to a waiver of policy rights. A simple mnemonic to distinguish between voluntary relinquishment and legal consequences. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JVg8NhOlosCQ/1tCPUsnyli2_LsPrvh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JVg8NhOlosCQ/1774685436/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1tCPUsnyli2</video:player_loc>
      <video:duration>235</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-00-state-insurance-commissioner-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 00 State Insurance Commissioner Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The critical distinction between the Commissioners administrative rule-making and the state legislatures law-making. Why financial examinations occur at least every five years to ensure insurer solvency and policyholder protection. The definition and weight of a Cease and Desist order during regulatory enforcement and investigations. The three-pronged legal standard for insurance rates: they must not be excessive, inadequate, or unfairly discriminatory. How to use the R-I-P-E mnemonic to quickly recall the core duties of the state regulatory office. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/f9cCYfzARc1J/1dCzosTikj2_ZSKDEZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/f9cCYfzARc1J/1774685436/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1dCzosTikj2</video:player_loc>
      <video:duration>234</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-48-respiratory-medications</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 48, Respiratory Medications</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Differentiate rescue inhalers (albuterol) from maintenance inhalers (corticosteroids). Administer a bronchodilator before an inhaled corticosteroid to maximize medication delivery. Monitor for tachycardia, tremors, and nervousness as key side effects of beta-2 agonists. Instruct patients to rinse their mouth after using inhaled corticosteroids to prevent oral candidiasis. Understand that leukotriene modifiers like montelukast are for long-term prevention, not acute attacks. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/h5oiZt5tpo8a/vJ8jpYSyly2_OmgtWJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/h5oiZt5tpo8a/1774685442/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vJ8jpYSyly2</video:player_loc>
      <video:duration>236</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-26-health-savings-accounts-hsa</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 26, Health Savings Accounts (HSA)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: HSA contributions for 2025 are capped at 4,300 for self-only and 8,550 for family coverage, with a 1,000 catch-up for those age 55 and over. Eligibility requires coverage under a High-Deductible Health Plan (HDHP) and you cannot be enrolled in Medicare or be claimed as a dependent. HSAs offer a triple tax advantage: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Using HSA funds for non-qualified expenses before age 65 results in the distribution being taxed as ordinary income plus a 20% penalty. The 20% penalty on non-qualified distributions is waived if the account holder is age 65 or older, becomes disabled, or dies. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/eukaYfDQhcEa/0sCzUcTjl52_SrjiWb.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0sCzUcTjl52</video:player_loc>
      <video:duration>236</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-60-suitability-and-regulation-best-interest</loc>
    <video:video>
      <video:title>SIE 60, Suitability and Regulation Best Interest</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The key components of a customer investment profile. - How Regulation Best Interest (Reg BI) elevates the old suitability standard. - The specifics of the Care Obligation and how it impacts recommendations. - The role of the Disclosure Obligation and the Form CRS. - How to identify and avoid common exam traps related to costs and conflicts of interest. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/GqE4-rOYhEub/0YCjoJTjk42_diDuHs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/GqE4-rOYhEub/1774685568/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0YCjoJTjk42</video:player_loc>
      <video:duration>236</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-54-insider-trading</loc>
    <video:video>
      <video:title>SIE 54, Insider Trading</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - What defines information as both material and non-public. - The broad definition of a corporate insider, including temporary or constructive insiders. - The legal framework of tipper and tippee liability in an insider trading case. - The severe civil and criminal penalties mandated by the Insider Trading and Securities Fraud Enforcement Act of 1988. - How to use the I.P.A. mnemonic (Insider, Possession, Act) to identify a potential violation. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hqwa-hj7cAvR/0cDipcnyl52_KQVOoI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hqwa-hj7cAvR/1774685567/index.m3u8</video:content_loc>
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      <video:duration>237</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-24-life-insurance-underwriting-process-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 24 Life Insurance Underwriting Process Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: The primary goal of life insurance underwriting and how it prevents adverse selection. The distinction between Part 1, Part 2, and the Agents Report within a medical application. The specific role of the Medical Information Bureau and the legal limitations on its use. How risk classifications such as Preferred, Standard, and Substandard impact premium costs. Applicant protections under the Fair Credit Reporting Act regarding investigative consumer reports. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Necm_h4JgAFl/uI9ipYTzkP2_fyyHXF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Necm_h4JgAFl/1774685567/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uI9ipYTzkP2</video:player_loc>
      <video:duration>237</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-16-ira-distributions-and-taxation</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 16, IRA Distributions and Taxation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The baseline age 59½ rule for penalty-free traditional IRA distributions and the standard 10% early withdrawal penalty. Key penalty exceptions, including the 10,000 lifetime limit for first-time homebuyers and unlimited withdrawals for qualified education expenses. The timing rules for Required Minimum Distributions (RMDs), which must begin by April 1st of the year after the taxpayer turns 73. How a Qualified Charitable Distribution (QCD) allows taxpayers over age 70½ to make tax-free donations that also satisfy their RMD. The function of Substantially Equal Periodic Payments (SEPPs) as a method to receive penalty-free income before age 59½. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/I3BK3xDJIcnQ/uZDipcmzk42_IKuCKr.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uZDipcmzk42</video:player_loc>
      <video:duration>237</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-23-recording-acts-and-constructive-notice-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 23, Recording Acts and Constructive Notice Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The distinction between constructive notice through public records and actual notice through direct knowledge. How Race statutes prioritize the first claimant to record a deed regardless of their knowledge of prior sales. The criteria for becoming a bona fide purchaser and how Notice statutes protect those without knowledge of prior claims. The dual requirements of the Race-Notice statute which demand both a lack of notice and being the first to record. Why wild deeds fail to provide constructive notice and the exam traps surrounding unrecorded but valid deeds. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/G1p8Yr5RMopH/udDiVInzk42_qoNkWo.jpg</video:thumbnail_loc>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The defining characteristics of an Estate for Years and why the name is often a trick. Why the Estate for Years is the only leasehold that requires no notice to terminate. How a Periodic Tenancy automatically renews and the rules for providing termination notice. The specific events like death or sale that will automatically terminate a Tenancy at Will. The legal definition of a holdover tenant and the creation of a Tenancy at Sufferance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - The defining characteristics of a Special Agent and their limited scope in transactions. - Why property management is the primary example of a General Agency relationship. - The distinction between a broker and sales associate as a form of general agency. - The high level of authority granted to a Universal Agent through Power of Attorney. - The S.G.U. mnemonic to quickly categorize agency types during the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The distinction between executory and executed contracts based on the completion of performance. Why a sales contract remains executory from the moment of signing until the closing of escrow. The difference between the act of executing a document and the status of an executed contract. Why residential and commercial leases are considered executory throughout their entire terms. How to identify equitable title and legal title during the executory phase of a real estate transaction. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The critical distinction between a valid contract and an enforceable one under the Statute of Frauds. The four essential elements required in a written real estate contract to satisfy legal standards. How the one-year rule applies to verbal versus written leases. Key exceptions to the writing requirement, including the doctrine of part performance and property improvements. How to differentiate the Statute of Frauds from the Statute of Limitations to avoid common exam traps. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The first action after a medication error is always to assess the patient for adverse effects, not to file a report. An independent double check for high-alert drugs means two nurses must calculate the dose separately before comparing. NCLEX questions test the Rights of Medication Administration in scenarios, requiring you to spot the missed step. If a barcode scanner fails, the safe action is to stop and manually verify, not to override the system. For look-alike, sound-alike drugs, you must use critical thinking to question an order that doesnt match the patients diagnosis. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep Recommended Study Materials: Saunders Comprehensive Review for the NCLEX-RN Examination: https://www.amazon.com/dp/0323795307?tag=openexamprep-20 Kaplan NCLEX-RN Prep (26th Edition, 2025): https://www.amazon.com/dp/1506296122?tag=openexamprep-20 Next Gen NCLEX-RN Study Guide 2025-2026 (3000 Questions + 20 Exams): https://www.amazon.com/dp/1998805417?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Why the Civil Rights Act of 1866 allows for absolutely no exemptions in cases of racial discrimination. The importance of the Jones v. Alfred H. Mayer Co. (1968) Supreme Court ruling for private property transactions. How to distinguish between 1866 Act requirements and Fair Housing Act of 1968 exemptions on the exam. The relationship between the Thirteenth Amendment and the prohibition of the badges and incidents of slavery. Why racial discrimination complaints under the 1866 Act are filed directly in federal court rather than through HUD. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The function of a margin account and the concept of leverage. - The difference between the mandatory credit and hypothecation agreements. - How to calculate the 50% initial requirement under Federal Reserve Regulation T. - How to determine whether the Regulation T or FINRA minimum deposit requirement applies. - A mnemonic to retain the 50% rule and the payment deadline for margin calls. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Tenancy by the entirety requires five unities including the unity of personhood or marriage. Survivorship in tenancy by the entirety allows for the automatic transfer of title without probate. Creditors of an individual spouse cannot attach liens to property held as tenancy by the entirety. Community property laws treat all assets acquired during marriage as fifty-fifty ownership. Inheritances and gifts received during marriage remain separate property and are not community property. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Texas real estate license costs 286 in fixed fees, but total investment is 800-1,500. Get the full TREC + Pearson VUE fee breakdown and ROI timeline for 2026. Start FREE TX Real Estate Practice: https://open-exam-prep.com/exams/real-estate-salesperson Full Guide: https://open-exam-prep.com/blog/texas-real-estate-license-cost-trec-pearson-vue-fee-calculator-2026 Recommended Study Materials: Real Estate License Exam Prep 2025-2026 (2500+ Questions + 10 Tests): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 PSI Real Estate Exam Prep 2025-2026 (3 Practice Tests): https://www.amazon.com/dp/1516728475?tag=openexamprep-20 TexasRealEstate TREC RealEstateLicense PearsonVUE TXRealEstate RealEstate2026 FreeStudyGuide RealEstateExam RealEstateCareer RealEstateAgent Affiliate Disclosure: Some links above are affiliate links. We may earn a small commission at no extra cost to you if you purchase through them. This helps support our free educational content. Full disclosure: https://open-exam-prep.com/affiliate-disclosure Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:00 - Content Breakdown 1:48 - Hardest Topics 2:45 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The difference between after-tax contributions and tax-free qualified distributions in a Roth IRA. - The two critical requirements for a qualified distribution: being age 59 ½ and satisfying the five-year holding period. - How the five-year holding period is calculated and why its start date is a common exam trap. - How income limitations can prevent direct contributions and how backdoor Roth conversions work as a solution. - The specific ordering rules for withdrawals (contributions, conversions, earnings) and how they are tested. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: Why the cash surrender option results in the total termination of the insurance contract and death benefit. How to calculate net surrender value by deducting outstanding loans and unpaid premiums. The legal right of insurers to delay cash surrender payments for up to six months for financial protection. The specific taxation rules that apply only to gains exceeding the total premiums paid. Why policies surrendered for cash are generally ineligible for reinstatement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 42, Acid Base Imbalances</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Master the ROME mnemonic: Respiratory Opposite (pH and PaCO2 are inverse), Metabolic Equal (pH and HCO3 move together). Always analyze the pH first to determine if the primary condition is acidosis (below 7.35) or alkalosis (above 7.45). Respiratory acidosis is caused by hypoventilation (retaining CO2) the priority nursing action is always to improve ventilation. Metabolic acidosis is often due to DKA or diarrhea watch for Kussmaul respirations as the bodys attempt to compensate. Metabolic alkalosis is commonly caused by vomiting or NG suction the priority is monitoring for hypokalemia and cardiac dysrhythmias. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to calculate the basic Qualified Business Income (QBI) deduction. The critical lesser of limitation that determines the final deduction amount. Why taxable income before the QBI deduction is a key figure in the calculation. The specific role of net capital gains in reducing the taxable income limitation. A common exam trap where test-takers forget to apply the taxable income limitation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Complete guide to building your CDA Professional Portfolio in 2026. Learn how to write all 6 competency statements, compile resource collections, gather family questionnaires, and prepare for the Verification Visit under the new enhanced credentialing process effective February 2, 2026. CDA PORTFOLIO QUICK FACTS: 6 Competency Statements (2+ pages each) Resource Collection sections RC I through RC V Family Questionnaires from families in your care Professional Philosophy Statement required Enhanced credentialing process effective Feb 2, 2026 Portfolio reviewed during Verification Visit by PD Specialist FREE CDA Practice Questions: https://open-exam-prep.com/exams/cda FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: CDA Prep Guide 4th Edition: https://www.amazon.com/dp/1605547247?tag=openexamprep-20 CDA Preschool Exam 5 Practice Tests: https://www.amazon.com/dp/B0FMPSCQ1W?tag=openexamprep-20 CDA Infant Toddler 450+ Questions: https://www.amazon.com/dp/B0FFH49LJB?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. CDA CDAPortfolio ChildDevelopment EarlyChildhood CDACredential Preschool 2026 Free ExamPrep VerificationVisit CompetencyStatements ECE CDAExam TeacherCertification ProfessionalPortfolio Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 1:30 - Content Breakdown 3:09 - Hardest Topics 4:49 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>SIE &amp;amp; Series 7 Bonds Guide 2026: Corporate, Muni &amp;amp; Government Debt (FREE Practice)</video:title>
      <video:description>Master bonds and debt securities for the SIE and Series 7 exams in 2026! This guide covers corporate bonds, municipal bonds, government securities, and key concepts like yield calculations, bond pricing, and credit ratings. SIE &amp;amp; Series 7 Exam Quick Facts: SIE: 75 questions, 105 minutes, 70% passing score Series 7: 135 questions, 225 minutes, 72% passing score Bonds &amp;amp; debt securities are heavily tested on both exams Both administered by FINRA through Prometric centers FREE SIE Practice Questions: https://open-exam-prep.com/exams/sie FREE Series 7 Practice Questions: https://open-exam-prep.com/exams/series-7 FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Kaplan SIE Exam Manual: https://www.amazon.com/dp/107884772X?tag=openexamprep-20 Kaplan Series 7 Securities License Exam Manual: https://www.amazon.com/dp/1078803730?tag=openexamprep-20 SIE Exam Prep with 510 Practice Questions: https://www.amazon.com/dp/B0CN252KP9?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. SIEExam Series7 Bonds DebtSecurities MunicipalBonds CorporateBonds GovernmentSecurities FINRA ExamPrep 2026 Free SecuritiesLicense Timestamps: 0:00 - Introduction 0:10 - Key Facts &amp;amp; Stats 1:20 - Content Breakdown 2:55 - Hardest Topics 4:43 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Real Estate Exam National 51, Types of Agency Authority Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The primary differences between Express and Implied agency creation methods How Agency by Ratification validates unauthorized actions after they occur The legal implications of Estoppel and how it prevents denial of agency Why written express agreements are vital for commission protection under the Statute of Frauds Common exam traps involving apparent authority and unintended dual agency For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>275</video:duration>
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  <url>
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      <video:title>Life Insurance Exam National 50 Extended Term Insurance Option Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: How the Extended Term option uses cash value as a single premium for new coverage. Why the face amount remains identical to the original policy under this option. The role of attained age and cash value in determining the duration of the term. Why Extended Term is the automatic default option for most lapsed permanent policies. How to distinguish Extended Term from Reduced Paid-Up to avoid common exam traps. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>261</video:duration>
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      <video:title>Real Estate Exam National 50, Fiduciary Duties OLD CAR Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - The distinction between lawful and unlawful obedience in agency relationships - Why the duty of loyalty requires placing client interests above personal commissions - How to handle material facts and latent defects regardless of as-is clauses - The unique nature of confidentiality and why it survives the closing of a deal - Critical differences between commingling and conversion of client funds For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>247</video:duration>
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  <url>
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      <video:title>Real Estate Exam National 31, Depreciation Types Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Why land is never depreciated while improvements lose value over time. The economic difference between curable and incurable physical deterioration. How to identify functional obsolescence through outdated design or super adequacies. Why external obsolescence is the only type of depreciation that is always incurable. How to use the PFE mnemonic to distinguish between physical, functional, and external factors. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>296</video:duration>
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      <video:description>This episode covers the reduced paid-up insurance option, a critical nonforfeiture benefit that allows a policyowner to use cash value as a single premium for a smaller, permanent whole life policy with no further payments required.</video:description>
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      <video:description>The Series 7 exam has a roughly 28-35% fail rate, and most people make the same avoidable mistakes. This video reveals the top 10 reasons candidates fail the Series 7 in 2026 and gives you a proven strategy to avoid each one so you pass on your first attempt. SERIES 7 EXAM QUICK FACTS: Full name: General Securities Representative Examination Administered by: FINRA Number of questions: 125 (scored) Time limit: 3 hours 45 minutes Passing score: 72% Exam fee: 245 (paid by sponsoring firm) Prerequisite: Must pass SIE exam first Requires firm sponsorship (Form U4) Fail rate: Approximately 28-35% 30-day wait after first failure, 180 days after third FREE Series 7 Practice Questions: https://open-exam-prep.com/exams/series-7 FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: Kaplan Series 7 License Exam Manual (2nd Edition): https://www.amazon.com/dp/1078803730?tag=openexamprep-20 Series 7 Study Guide 2025-2026 (750 Questions + 6 Full Exams): https://www.amazon.com/dp/1998805484?tag=openexamprep-20 Series 7 Complete Prep (1500+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0G6D2ZW48?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. Series7 Series7Exam FINRA Series7Prep StockBroker FinancialAdvisor Series7Tips ExamPrep Free 2026 InvestmentBanking Securities Series7Fail WallStreet FinanceCareer Timestamps: 0:00 - Introduction 0:09 - Key Facts &amp;amp; Stats 1:37 - Content Breakdown 3:19 - Hardest Topics 5:00 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Real Estate Exam National 48, Breach of Contract Remedies Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Rescission acts as a total contract nullification that returns all parties to their original financial positions. Liquidated damages are predetermined sums, usually the earnest money, that serve as the total penalty for a breach. Specific performance is a unique legal remedy used to force a sale because real property is considered one of a kind. Compensatory damages are court-ordered payments designed to cover the actual proven financial losses of the injured party. A suit for specific performance is significantly more common and successful when brought by a buyer against a seller. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>259</video:duration>
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      <video:title>Real Estate Exam National 47, Offer Acceptance and Counteroffers Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The definition of the Mirror Image Rule and why exact matches are required for a valid contract. How a counteroffer serves a dual purpose as a legal rejection of the original offer and the creation of a new one. Why a seller cannot go back and accept an original offer after they have issued a counteroffer. The critical importance of communicating acceptance to make a contract legally binding and prevent revocation. How to distinguish between a casual inquiry and a formal counteroffer in exam scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>255</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: The hierarchy of primary versus contingent beneficiaries and how death benefit triggers work. How the Common Disaster Clause and Uniform Simultaneous Death Act protect beneficiary proceeds. The legal implications of a vested interest when using irrevocable beneficiary designations. Why the written consent of an irrevocable beneficiary is required for policy loans and owner changes. The functional differences between per stirpes and per capita distribution methods in death benefit payouts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cElCRzqYhs3P/CR8PosTOQi2_UttkGO.jpg</video:thumbnail_loc>
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      <video:duration>281</video:duration>
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  <url>
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      <video:title>Real Estate Exam National 46, Earnest Money Deposits Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Why earnest money is considered a good faith deposit rather than a legal requirement for contract validity. The critical differences between commingling and conversion and how they impact a brokers license. How contingency clauses protect a buyers deposit and when those funds must be returned. The role of earnest money as liquidated damages in the event of a buyers breach of contract. The proper procedure for handling disputed funds and the neutral role of the escrow agent. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gRE0_jKJJk2P/8lC5VITOQy2_ypuzUs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gRE0_jKJJk2P/1774688575/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8lC5VITOQy2</video:player_loc>
      <video:duration>277</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-12-variable-annuities-overview</loc>
    <video:video>
      <video:title>Series 6 12, Variable Annuities Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The dual nature of variable annuities as both insurance and securities products. - Key features of the accumulation phase, including tax-deferred growth and the death benefit. - How accumulation units are purchased and how their value fluctuates. - The process of annuitization and the conversion to a fixed number of annuity units. - Understanding the Assumed Interest Rate (AIR) and its impact on payout amounts. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LVoG3B0ZgE2O/879yosTPRj2_JJbOxC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LVoG3B0ZgE2O/1774688549/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=879yosTPRj2</video:player_loc>
      <video:duration>255</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-43-land-contracts-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 43, Land Contracts Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam real estate exam. In this episode you will learn: The critical distinction between the vendor as the legal title holder and the vendee as the equitable title holder. Why the deed is not delivered to the buyer until the very last installment payment is made. The risks associated with forfeiture clauses where a buyer might lose all equity upon default. How to identify land contracts by their alternative names such as installment contracts or contracts for deed. Why equitable title provides the right to future legal ownership but lacks the immediate status of being the owner of record. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NRkG3z1QJw9R/8lDPUsn4Qz2_oenIhc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/NRkG3z1QJw9R/1774688571/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8lDPUsn4Qz2</video:player_loc>
      <video:duration>257</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-47-settlement-options-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 47 Settlement Options Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: The lump sum payment is the automatic default settlement option if no selection is made by the policy owner. Interest only payments consist of taxable ordinary income while the insurance company retains the principal. Fixed period settlement options use time as the constant factor, while fixed amount options use the dollar amount as the constant. Life income options serve as a guarantee that the beneficiary will not outlive their financial resources. The Spendthrift Clause protects death benefit proceeds from the beneficiarys creditors and reckless spending. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/H5w0Rnv6co2Q/D6DzotTikj2_ViYqQd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/H5w0Rnv6co2Q/1774688547/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=D6DzotTikj2</video:player_loc>
      <video:duration>259</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-42-option-contracts-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 42, Option Contracts Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The unilateral nature of option contracts where only the seller is legally bound to perform. How to distinguish between the optionor as the giver and the optionee as the receiver of the right. The requirement for non-refundable consideration to ensure the option contract is legally enforceable. The transition process where a unilateral option becomes a bilateral contract upon exercise. The differences between an option contract and a right of first refusal for exam scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/h8xuMnb6Jw-R/DA8yUtSPlz2_epNfqb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/h8xuMnb6Jw-R/1774688585/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DA8yUtSPlz2</video:player_loc>
      <video:duration>252</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-45-entire-contract-provision-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 45 Entire Contract Provision Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam.nnIn this episode you will learn:n The three mandatory components of the entire contract provision known as the PAR bundle.n Why the application must be physically attached to the policy to be considered legally binding.n The specific limitations on agent authority regarding verbal promises and contract modifications.n Which corporate individuals have the actual legal authority to amend an insurance policy.n How this provision prevents insurers from using external company bylaws to deny policy claims.nnFor more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fRAy2FfZdA-H/9Q8PpZT4Ry2_wAMdyw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fRAy2FfZdA-H/1774688549/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9Q8PpZT4Ry2</video:player_loc>
      <video:duration>264</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-43-suicide-clause-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 43 Suicide Clause Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The suicide exclusion period is a standard two-year window from the policys issue date. Suicide within the exclusion period results in a refund of premiums only. The clause is primarily designed to protect insurers against the risk of adverse selection. Reinstating a lapsed policy usually triggers a new two-year suicide exclusion period. Accidental death riders never cover suicide regardless of how long the policy has been active. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/J4tWIlKJNs_H/DA9OpIn4Qi2_qOQEnN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/J4tWIlKJNs_H/1774688553/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DA9OpIn4Qi2</video:player_loc>
      <video:duration>289</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-credential-cost-2026-full-breakdown-after-price-increase-free-practice</loc>
    <video:video>
      <video:title>CDA Credential Cost 2026: Full Breakdown After Price Increase (FREE Practice)</video:title>
      <video:description>The CDA credential now costs 900-2,100+ after the August 2025 price increase. This video breaks down every expense, compares before vs. after pricing, and shows you 5 ways to get your CDA for free through scholarships, employer reimbursement, and federal grants. CDA CREDENTIAL QUICK FACTS: Application fee: 525 online (up from 425) Total cost range: 900-2,100+ depending on training 120 clock hours of training required 480 hours of professional experience needed Renewal fee doubled to 250 online Paper applications ended December 31, 2025 FREE CDA Practice Questions: https://open-exam-prep.com/exams/cda FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: CDA Prep Guide 4th Edition: https://www.amazon.com/dp/1605547247?tag=openexamprep-20 CDA Preschool Exam 5 Practice Tests: https://www.amazon.com/dp/B0FMPSCQ1W?tag=openexamprep-20 CDA Infant Toddler 450+ Questions: https://www.amazon.com/dp/B0FFH49LJB?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. CDA ChildDevelopment EarlyChildhood CDACredential Preschool CDAExam 2026 Free ExamPrep Scholarships TeacherCertification CDACost ChildCare ECE HeadStart Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:36 - Content Breakdown 3:00 - Hardest Topics 4:41 - Study Strategy &amp;amp; Next Steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/h8FuIlH7gwFa/9ADOVdS5Rz2_ZgSJnI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/h8FuIlH7gwFa/1774688580/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9ADOVdS5Rz2</video:player_loc>
      <video:duration>295</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-42-incontestability-clause-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 42 Incontestability Clause Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam insurance exam. In this episode you will learn: The mandatory two-year timeframe for the incontestability clause on the national insurance exam. Why the insurer cannot void a policy for material misrepresentation or fraud after the two-year period. The critical distinction between the incontestability clause and the misstatement of age or gender provision. How the burden of proof shifts to the insurer during the initial contestable period. The impact of policy reinstatement on the contestability clock and what information it covers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/K_s03BvZMkva/9ADzVdn5Ry2_HwkxTb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/K_s03BvZMkva/1774688571/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9ADzVdn5Ry2</video:player_loc>
      <video:duration>257</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-45-real-estate-contingencies-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 45, Real Estate Contingencies Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - How contingencies function as conditions that make a real estate contract voidable. - The specific role of financing and appraisal contingencies in protecting a buyers earnest money. - Why the inspection contingency requires strict adherence to notice timeframes. - The impact of a sale of other property contingency on the strength of a buyers offer. - A simple mnemonic to recall the five major contingencies tested on the national exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/HooKQD1QVgvi/DB9OpcSzQj2_GtUoLm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/HooKQD1QVgvi/1774688654/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DB9OpcSzQj2</video:player_loc>
      <video:duration>254</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/pc-exam-homeowners-policy-types-ho-1-to-ho-8-guide-2026-free-practice</loc>
    <video:video>
      <video:title>P&amp;amp;C Exam: Homeowners Policy Types HO-1 to HO-8 Guide 2026 (FREE Practice)</video:title>
      <video:description>Master every homeowners policy type for the Property and Casualty exam in 2026. This video covers HO-1 through HO-8, the critical difference between named perils and open perils coverage, all six coverage sections, and the exam strategies you need to nail 15-20 questions worth 10-13% of your total score. Homeowners policies are the single most heavily tested P&amp;amp;C topic. P&amp;amp;C HOMEOWNERS EXAM QUICK FACTS: 15-20 questions on homeowners policies (10-13% of exam) 8 policy forms: HO-1 through HO-8 Named perils vs. open perils is the key distinction HO-3 (Special Form) is the most common and most tested Burden of proof shifts between insured and insurer 150 total questions on the P&amp;amp;C exam Concepts overlap with dwelling, commercial, and liability sections FREE P&amp;amp;C Practice Questions: https://open-exam-prep.com/exams/property-casualty-national FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: P&amp;amp;C Exam Study Guide 3rd Edition: https://www.amazon.com/dp/1628459182?tag=openexamprep-20 P&amp;amp;C License Exam Prep 350+ Questions: https://www.amazon.com/dp/B0F8P7ZHBV?tag=openexamprep-20 P&amp;amp;C Exam Prep 800 Questions + 4 Tests: https://www.amazon.com/dp/B0FH78M6C6?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. PropertyCasualty InsuranceExam HomeownersPolicy PCExam 2026 Free InsuranceLicense NamedPerils OpenPerils HO3 InsuranceAgent ExamPrep PropertyInsurance InsuranceCareer PCLicense Timestamps: 0:00 - Introduction 0:08 - Key Facts &amp;amp; Stats 1:43 - Content Breakdown 3:13 - Hardest Topics 4:39 - Study Strategy &amp;amp; Next Steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/IkA4MBXYRkEJ/Dl9PosmyQi2_cAQDEF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/IkA4MBXYRkEJ/1774688657/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dl9PosmyQi2</video:player_loc>
      <video:duration>295</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/cosmetology-licensure-compact-2026-all-member-states-how-to-apply-free-prep</loc>
    <video:video>
      <video:title>Cosmetology Licensure Compact 2026: All Member States &amp;amp; How to Apply (FREE Prep)</video:title>
      <video:description>The Cosmetology Licensure Compact is the biggest change in cosmetology licensing in decades. Learn which 10+ states are active members, how to apply for a multistate license, eligibility requirements, and how this changes career mobility for cosmetologists in 2026. Work across state lines without getting a separate license in each state. COSMETOLOGY COMPACT QUICK FACTS: 10 states have enacted the compact as of 2026 Colorado was the 7th state, triggering activation in 2024 Multistate license applications expected to open in 2026 States pending: NY, CA, NJ, PA, WI, IN, and more Similar to the Nurse Licensure Compact model Commission is finalizing rules and data systems FREE Cosmetology Practice Questions: https://open-exam-prep.com/exams/cosmetology FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: Milady Standard Cosmetology Exam Prep 14th Ed: https://www.amazon.com/dp/0357379101?tag=openexamprep-20 Milady Standard Cosmetology Exam Review 13th Ed: https://www.amazon.com/dp/1285769554?tag=openexamprep-20 Mometrix Cosmetology Exam Prep: https://www.amazon.com/dp/1630940100?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. Cosmetology LicensureCompact CosmetologyLicense 2026 Free MultistateLicense StateBoard Hairstylist BeautyIndustry CosmetologyExam NIC ExamPrep SalonProfessional CosmetologyCareer LicenseReciprocity Timestamps: 0:00 - Introduction 0:08 - Key Facts &amp;amp; Stats 1:38 - Content Breakdown 3:06 - Hardest Topics 4:42 - Study Strategy &amp;amp; Next Steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/M7FS-neYooUO/DRDzotTyQi2_JuxGXJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/M7FS-neYooUO/1774688713/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DRDzotTyQi2</video:player_loc>
      <video:duration>296</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-37-group-life-insurance-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 37 Group Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: The employer acts as the master policyholder while employees receive a certificate of insurance as proof of coverage. Noncontributory plans are 100% funded by the employer and require 100% participation of eligible employees. Contributory plans involve employee premium contributions and require a minimum of 75% participation to avoid adverse selection. The conversion privilege allows employees to switch to individual whole life insurance within 31 days without a medical exam if they leave the group. Group underwriting focuses on the collective risk characteristics of the group rather than individual health history or physicals. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LchK3nPIMkVd/vcuqh7Tzk42_BrxFoP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LchK3nPIMkVd/1774689944/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcuqh7Tzk42</video:player_loc>
      <video:duration>258</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-36-indexed-universal-life-insurance-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 36 Indexed Universal Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: The distinction between market-linked interest crediting and direct market investment in IUL policies. How floors and caps function together to protect principal while limiting maximum upside potential. The calculation methods for interest including the application of participation rates. Why IUL requires only a life insurance license and avoids the securities licensing required for variable products. The transparency and flexibility features inherent in the Universal Life structure of the policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fZESYpiYgANQ/1IuHh7SykP2_ApnRfY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fZESYpiYgANQ/1774690090/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1IuHh7SykP2</video:player_loc>
      <video:duration>255</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-34-broker-price-opinion-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 34, Broker Price Opinion Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The legal definition and primary purpose of a Broker Price Opinion in property valuation. Why federal law prohibits BPOs for mortgage underwriting and loan origination. The key differences between an Interior BPO and an Exterior Drive-by BPO. How to distinguish a BPO from a Comparative Market Analysis and a formal Appraisal. The specific scenarios like short sales and foreclosures where a BPO is the preferred tool. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/L1smVlT7NsNb/vcvHhBn4R52_kOmdhz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/L1smVlT7NsNb/1774690082/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcvHhBn4R52</video:player_loc>
      <video:duration>287</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-29-capitalization-rate-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 29, Capitalization Rate Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How to use the IRV formula to solve for Income, Rate, or Value. The critical difference between Gross Income and Net Operating Income. Why debt service must be excluded from capitalization rate calculations. The inverse relationship between capitalization rates and property values. How to interpret capitalization rates as a measure of investment risk and return. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cNACMziYhcNi/1c1HNBS4Q52_DXNqKk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/cNACMziYhcNi/1774690083/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1c1HNBS4Q52</video:player_loc>
      <video:duration>285</video:duration>
    </video:video>
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    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-41-types-of-listing-agreements-explained</loc>
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      <video:title>Real Estate Exam National 41, Types of Listing Agreements Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - The critical differences between Exclusive Right to Sell and Exclusive Agency agreements. - How to identify an Open Listing and why it is considered a unilateral contract. - The definition of procuring cause and its role in earning commissions. - Why Net Listings are considered unethical and are often illegal in many states. - The essential requirement for definite termination dates in all valid listing contracts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/eLsq-z4QdwVR/vduqMRmikP2_OlKXVS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/eLsq-z4QdwVR/1774690081/index.m3u8</video:content_loc>
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      <video:duration>269</video:duration>
    </video:video>
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      <video:title>PTCE 2026 Changes Explained: New Blueprint, DSCSA &amp;amp; Whats Gone (FREE Practice)</video:title>
      <video:description>The PTCE is changing in 2026 with a brand-new blueprint, updated DSCSA regulations, and several removed topics. This video breaks down every major change, whats been added, whats been removed, and exactly how to adjust your study plan to pass the new exam. PTCE 2026 QUICK FACTS: Full name: Pharmacy Technician Certification Exam (PTCE) Administered by: PTCB (Pharmacy Technician Certification Board) Number of questions: 90 (80 scored + 10 unscored) Time limit: 2 hours Passing score: 1,400 out of 1,600 scaled Exam fee: 129 New blueprint effective: January 2026 Key addition: DSCSA (Drug Supply Chain Security Act) compliance Key removals: Outdated compounding procedures &amp;amp; legacy inventory systems FREE PTCE Practice Questions: https://open-exam-prep.com/exams/ptce FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: PTCB Exam Study Guide 2025-2026 8th Edition: https://www.amazon.com/dp/1637989423?tag=openexamprep-20 PTCB Exam Study Guide 2025-2026 (All in One, 1043 Questions): https://www.amazon.com/dp/B0DVGW2TBP?tag=openexamprep-20 PTCB Exam Prep 2026-2027 (Newstone, 3060 Questions): https://www.amazon.com/dp/1989726909?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. PTCE PharmacyTech PTCB PharmacyTechnician PTCE2026 DSCSA PharmacyExam CertifiedPharmacyTech PharmacyStudy ExamPrep Free 2026 PharmacyCareer DrugSupplyChain PharmacyBlueprint Timestamps: 0:00 - Introduction 0:09 - Key Facts &amp;amp; Stats 1:22 - Content Breakdown 2:52 - Hardest Topics 4:20 - Study Strategy &amp;amp; Next Steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cuw0QB9ZUEhk/vtuGhBSjk52_TLgWtw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/cuw0QB9ZUEhk/1774690245/index.m3u8</video:content_loc>
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      <video:duration>276</video:duration>
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  <url>
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    <video:video>
      <video:title>PTCE 2026 Blueprint Changes: DSCSA, New Question Formats &amp;amp; What to Study (FREE)</video:title>
      <video:description>The PTCE exam underwent its biggest overhaul on January 6, 2026. This video breaks down the three major changes: new hot-spot and drag-and-drop question formats, DSCSA content added for the first time, and compounding topics removed entirely. If you are studying with 2025 materials, you may be preparing for the wrong exam. Learn exactly what changed, what to study, and what you can safely skip. 2026 PTCE EXAM QUICK FACTS: 90 total questions (80 scored + 10 unscored) 110 minutes testing time Passing score: 1,400 on a 1,000-1,600 scale New question types: hot-spot, drag-and-drop, case-based Federal Requirements weight increased 50% (12.5% to 18.75%) DSCSA (Drug Supply Chain Security Act) now testable Compounding/alligations removed from exam Testing at Pearson VUE or online proctoring FREE PTCE Practice Questions: https://open-exam-prep.com/exams/ptce FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: PTCB Exam Study Guide 8th Edition: https://www.amazon.com/dp/1637989423?tag=openexamprep-20 PTCB Exam All in One 1043 Questions: https://www.amazon.com/dp/B0DVGW2TBP?tag=openexamprep-20 PTCB Exam Prep Newstone 3060 Questions: https://www.amazon.com/dp/1989726909?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. PTCE PTCB PharmacyTechnician DSCSA 2026 Free ExamPrep PharmacyExam DrugSupplyChain PharmTech PTCEBlueprint PearsonVUE PharmacyCertification MedicationSafety PharmacyCareer Timestamps: 0:00 - Introduction 0:11 - Key Facts &amp;amp; Stats 1:29 - Content Breakdown 2:46 - Hardest Topics 4:20 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:duration>278</video:duration>
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      <video:title>How NCLEX-RN Scoring Works 2026: CAT, NGN &amp;amp; What Results Mean (FREE Practice)</video:title>
      <video:description>Understand exactly how the NCLEX-RN is scored in 2026. This video explains how Computerized Adaptive Testing (CAT) works, the Next Generation NCLEX (NGN) partial credit scoring system, the 95% confidence rule, logit scores, the three ways your exam can end, and what your results actually mean. Stop believing myths and learn the real mechanics. NCLEX-RN SCORING QUICK FACTS: Scoring method: Computerized Adaptive Testing (CAT) Passing standard: 0.00 logits Confidence threshold: 95% Minimum questions: 85 Maximum questions: 150 Time limit: 5 hours Result type: Pass/Fail only (no numerical score) NGN items use partial credit (polytomous) scoring Quick Results: 48 hours, 7.95 unofficial FREE NCLEX-RN Practice Questions: https://open-exam-prep.com/exams/nclex-rn FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: Saunders Comprehensive Review for NCLEX-RN: https://www.amazon.com/dp/0323795307?tag=openexamprep-20 Kaplan NCLEX-RN Prep 26th Edition: https://www.amazon.com/dp/1506296122?tag=openexamprep-20 Next Gen NCLEX-RN 3000 Questions: https://www.amazon.com/dp/1998805417?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. NCLEXRN NCLEX NursingExam CAT NGN NextGenNCLEX 2026 Free NursingStudent ExamPrep NCSBN PearsonVUE NursingSchool RN RegisteredNurse Timestamps: 0:00 - Introduction 0:08 - Key Facts &amp;amp; Stats 1:32 - Content Breakdown 3:11 - Hardest Topics 4:33 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vJuHhQnPk42</video:player_loc>
      <video:duration>290</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/ea-exam-moves-to-psi-in-2026-testing-blackout-transition-guide-free-prep</loc>
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      <video:title>EA Exam Moves to PSI in 2026: Testing Blackout &amp;amp; Transition Guide (FREE Prep)</video:title>
      <video:description>The IRS Enrolled Agent exam is switching from Prometric to PSI in July 2026, creating a 4-month testing blackout from March through June. This is the longest gap in EA exam history. Learn the complete transition timeline, how score carryover works during the blackout, and strategic planning for every type of EA candidate whether you are mid-study or just starting out. EA EXAM TRANSITION QUICK FACTS: Last day at Prometric: February 28, 2026 Testing blackout: March 1 - June 30, 2026 PSI registration opens: May 1, 2026 Testing resumes at PSI: July 1, 2026 Score validity: 3 years rolling (blackout does NOT extend) 3 parts, 100 questions each, 3.5 hours per part 206 per part (618 total) FREE EA Practice Questions: https://open-exam-prep.com/exams/ea FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: Caldwell Enrolled Agent Exam Guide: https://www.amazon.com/dp/B0DV9RLBVP?tag=openexamprep-20 SkillPrep EA Exam Prep 600 Questions: https://www.amazon.com/dp/B0FCSHGRF8?tag=openexamprep-20 EA Study Cards Test Prep Books: https://www.amazon.com/dp/1637757689?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. EnrolledAgent EAExam IRS TaxProfessional PSI Prometric 2026 Free ExamPrep SEE TaxSeason EATransition TaxCertification IRSExam EnrolledAgentExam Timestamps: 0:00 - Introduction 0:09 - Key Facts &amp;amp; Stats 1:28 - Content Breakdown 2:44 - Hardest Topics 4:01 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:content_loc>https://streaming.open.video/contents/dage7lP7RcpG/1774690242/index.m3u8</video:content_loc>
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      <video:duration>256</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-31-itemized-deductions-overview</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 31, Itemized Deductions - Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Itemize on Schedule A only when total deductions exceed the standard deduction, which for 2025 is 15,750 for single filers. Medical expense deductions are limited only the amount exceeding 7.5% of your Adjusted Gross Income (AGI) is deductible. The State and Local Tax (SALT) deduction, including property and income or sales taxes, is capped at 10,000 per household annually. Home mortgage interest is only deductible on acquisition debt up to 750,000 for mortgages taken out after December 15, 2017. Bunching is an exam-tested strategy where taxpayers consolidate deductible expenses into one year to surpass the standard deduction threshold. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>251</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-18-concealment-misrepresentation-and-fraud-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 18 Concealment Misrepresentation and Fraud Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: The definition of materiality and why it is the deciding factor in policy rescission How to distinguish between an active misrepresentation and a passive concealment The specific legal requirement of intent that separates fraud from simple misstatements How the incontestability clause interacts with fraud and material misrepresentation Why an innocent mistake regarding non-material information will not void a contract For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gawCVj96lohI/vtvqN6TOQO2_OGdaUN.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vtvqN6TOQO2</video:player_loc>
      <video:duration>286</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-32-medical-and-dental-expenses</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 32, Medical and Dental Expenses</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Medical expenses are only deductible to the extent they exceed 7.5% of your Adjusted Gross Income (AGI). Qualified expenses include insurance premiums paid with after-tax dollars, long-term care premiums up to age-based limits, and medical mileage. A capital expenditure for medical care is only deductible for the amount exceeding the increase in the homes value. Non-deductible items are common exam traps, including elective cosmetic surgery, gym memberships, and over-the-counter medicines without a prescription. You cannot deduct expenses that have been reimbursed by insurance or paid with pre-tax dollars, such as through an employer-sponsored plan. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KgsuVjmJpwNQ/vtvrN7mORP2_fdlyOD.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vtvrN7mORP2</video:player_loc>
      <video:duration>270</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-9-index-funds-and-etfs</loc>
    <video:video>
      <video:title>Series 6 9, Index Funds and ETFs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The core differences between passively managed index funds and actively managed funds. - How Exchange-Traded Funds (ETFs) are created, structured, and traded on the open market. - The in-kind redemption process and why it makes ETFs more tax-efficient than mutual funds. - Key pricing distinctions for the exam: an ETFs intraday market price versus a mutual funds end-of-day Net Asset Value (NAV). - How fund expenses, turnover, and trading costs are tested on the Series 6 exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dssqVDOZkgNG/8YuagAmzkj2_fJeWTO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/dssqVDOZkgNG/1774690220/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8YuagAmzkj2</video:player_loc>
      <video:duration>250</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-8-types-of-mutual-funds-by-objective</loc>
    <video:video>
      <video:title>Series 6 8, Types of Mutual Funds by Objective</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam exam extract the exam name from the title tag, e.g. SIE = SIE Exam, EA = Enrolled Agent Exam. In this episode you will learn: - The primary objective of a growth fund and the ideal investor profile. - How income funds generate returns and who they are most suitable for. - The role of a balanced fund in a portfolio and its key characteristics. - The purpose of a money market fund and its associated risks. - A simple mnemonic to remember how to match each fund type to an investors goal. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>269</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/why-59-fail-the-cscs-exam-hardest-sections-retake-plan-2026-free-practice</loc>
    <video:video>
      <video:title>Why 59% Fail the CSCS Exam: Hardest Sections + Retake Plan 2026 (FREE Practice)</video:title>
      <video:description>The CSCS exam has only a 41% overall pass rate, making it one of the hardest fitness certifications. This video analyzes why each section causes failures, ranks the hardest content domains, and gives you a structured 8-12 week retake plan. The Practical/Applied section has a 56% failure rate alone, and understanding why is the key to passing. CSCS EXAM QUICK FACTS: Overall pass rate: 41% (59% fail) Scientific Foundations pass rate: 68% Practical/Applied pass rate: 44% 220 total questions (190 scored + 30 unscored) 4 hours total testing time 30-40 image/video questions in Practical/Applied Administered by NSCA through Pearson VUE FREE CSCS Practice Questions: https://open-exam-prep.com/exams/cscs FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: CSCS Study Guide Newstone 660 Questions: https://www.amazon.com/dp/1998805735?tag=openexamprep-20 CSCS Bowling/Mometrix 3rd Edition: https://www.amazon.com/dp/B0DNXK2LN7?tag=openexamprep-20 CSCS Test Prep 4th Ed Rueda: https://www.amazon.com/dp/1637752148?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. CSCS NSCA StrengthCoach CSCSExam 2026 Free ExamPrep PersonalTrainer StrengthAndConditioning FitnessCertification CSCSRetake ExerciseScience SportsScience CSCSStudy PracticalApplied Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:16 - Content Breakdown 2:29 - Hardest Topics 3:53 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8IuWNlTPli2</video:player_loc>
      <video:duration>249</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-30-moving-expenses-for-armed-forces</loc>
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      <video:title>Enrolled Agent Exam Part 1 30, Moving Expenses for Armed Forces</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The moving expense deduction is exclusively for active-duty Armed Forces members on a Permanent Change of Station (PCS) civilian moving costs are not deductible. The old distance and time tests do not apply to qualifying military moves. Deductible costs are unreimbursed expenses for moving household goods and personal travel, including lodging and transportation mileage. An extremely common exam trap is the inclusion of meals the cost of meals during a move is never deductible. Use the mnemonic PCS: Pack, Cars, Sleep to remember the move must be a Permanent Change of Station and deductible costs include moving goods (Pack), transportation (Cars), and lodging (Sleep), but not meals. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dhB8Np47Rw8l/8I0rhAmORz2_oarFOV.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8I0rhAmORz2</video:player_loc>
      <video:duration>253</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-46-traditional-and-roth-iras</loc>
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      <video:title>SIE 46, Traditional and Roth IRAs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - Understand the fundamental tax difference: Traditional IRAs are pre-tax with taxable withdrawals, while Roth IRAs are post-tax with tax-free qualified withdrawals. - Learn the 2024 IRA contribution limits, including the additional catch-up amount for individuals age 50 and over. - Distinguish between Roth IRA income limits for contributions and Traditional IRA income limits for deductibility when covered by a workplace plan. - Identify the 10% early withdrawal penalty before age 59 and a half and key exceptions like death, disability, and first-time home purchases. - Grasp how withdrawals are taxed: the entire withdrawal from a deductible Traditional IRA is taxed as ordinary income, while only earnings from a non-qualified Roth withdrawal are taxed. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/HtFCYpmRowuJ/8c0HgRn5Ry2_gLCgYM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/HtFCYpmRowuJ/1774690325/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8c0HgRn5Ry2</video:player_loc>
      <video:duration>281</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-26-sales-comparison-approach-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 26, Sales Comparison Approach Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The core logic of the principle of substitution and how it dictates market value. Why the subject property remains fixed while adjustments are applied exclusively to comparables. How to use the CIA and CBS mnemonics to accurately calculate adjustment values. Why properties with the fewest and smallest adjustments are prioritized over those requiring major changes. The importance of using arms length transactions and weighted reconciliation instead of simple averaging. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Everything you need to pass the CNA clinical skills test in 2026. Learn all 22 testable skills, the 5 most commonly tested procedures, critical steps that cause automatic failure, and exact step-by-step techniques for handwashing, vital signs, and patient care. No partial credit means every step counts. CNA SKILLS TEST QUICK FACTS: 3-5 randomly selected skills per test 25-40 minutes total testing time 100% of critical steps required per skill (no partial credit) Hand hygiene required before AND after every skill Evaluated by a Licensed Nurse Aide Evaluator Most states allow retaking just the skills portion FREE CNA Practice Questions: https://open-exam-prep.com/exams/cna FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: CNA Study Guide 560 Questions: https://www.amazon.com/dp/1998805441?tag=openexamprep-20 CNA Ultimate Study Guide: https://www.amazon.com/dp/B0DWN24HZK?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. CNA ClinicalSkillsTest NursingAssistant CNAExam 2026 Free HandHygiene VitalSigns PatientCare CNASkills NurseAide HealthcareCareer CNAPrep ExamPrep CertifiedNursingAssistant Timestamps: 0:00 - Introduction 0:05 - Key Facts &amp;amp; Stats 1:22 - Content Breakdown 2:46 - Hardest Topics 4:16 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Series 6 4, Breakpoints and Sales Charge Reductions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The definition of mutual fund breakpoints and how they reduce sales charges for larger investments. - How to use a Letter of Intent (LOI) to receive a breakpoint discount by committing to future investments over 13 months. - How Rights of Accumulation (ROA) allow you to combine the current value of existing shares with new purchases to qualify for lower fees. - The key differences between an LOI, which is based on intended future purchases, and ROA, which is based on current account value. - How to identify and avoid the prohibited practice of breakpoint selling, a major exam topic. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>258</video:duration>
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      <video:title>Real Estate Exam National 35, Principles of Value Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - Why the principle of substitution is the foundational concept for the sales comparison approach. - How the principle of contribution distinguishes the market value of an improvement from its actual construction cost. - The way anticipation influences current property value based on expected future income or changes. - Why neighborhood conformity is required to reach a propertys maximum value potential. - How to identify regression and progression in exam scenarios involving mismatched property qualities. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>245</video:duration>
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      <video:description>Master margin accounts for the Series 7 exam in 2026! This guide covers Regulation T, SMA (Special Memorandum Account), margin calculations, and maintenance requirements. One of the most tested topics on the exam. Series 7 Exam Quick Facts: 135 questions (125 scored + 10 pretest), 225 minutes 72% passing score (90 out of 125 scored questions) Margin accounts are heavily tested on the exam Administered by FINRA through Prometric centers FREE Series 7 Practice Questions: https://open-exam-prep.com/exams/series-7 FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Kaplan Series 7 Securities License Exam Manual: https://www.amazon.com/dp/1078803730?tag=openexamprep-20 Series 7 Exam Study Guide with 750 Questions: https://www.amazon.com/dp/1998805484?tag=openexamprep-20 Series 7 Complete Exam Prep: https://www.amazon.com/dp/B0G6D2ZW48?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. Series7 MarginAccounts RegT SMA MarginCalculations FINRA ExamPrep 2026 Free Series7Exam SecuritiesLicense StockBroker RegisteredRep Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:05 - Content Breakdown 2:43 - Hardest Topics 4:07 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>Master Commercial General Liability (CGL), Workers Compensation, and Commercial Lines for the Property &amp;amp; Casualty insurance exam in 2026! This guide breaks down the key concepts you need to pass. Property &amp;amp; Casualty Exam Quick Facts: Typically 150 questions, 2-3 hours (varies by state) 70% passing score required in most states Covers personal &amp;amp; commercial lines, liability, and state regulations State-specific licensing exam administered by Prometric or PSI FREE P&amp;amp;C Practice Questions: https://open-exam-prep.com/exams/property-casualty FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Property &amp;amp; Casualty Insurance License Exam Study Guide 3rd Edition: https://www.amazon.com/dp/1628459182?tag=openexamprep-20 Property &amp;amp; Casualty Exam Prep 2025-2026: https://www.amazon.com/dp/B0F8P7ZHBV?tag=openexamprep-20 Property &amp;amp; Casualty Exam Prep 800 Practice Questions: https://www.amazon.com/dp/B0FH78M6C6?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. PropertyCasualty PCExam CGL WorkersComp CommercialLines InsuranceExam ExamPrep 2026 Free InsuranceLicense LiabilityInsurance InsuranceAgent Timestamps: 0:00 - Introduction 0:06 - Key Facts &amp;amp; Stats 1:00 - Content Breakdown 2:33 - Hardest Topics 3:56 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:title>Life Insurance Exam National 34 Variable Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: Variable life insurance requires dual licensing with both a life insurance license and a securities registration like the Series 6 or 7. The policyowner bears the entire investment risk in a variable life policy as there are no guaranteed minimum cash values. Premiums in variable life policies are held in a separate account rather than the insurers general account to allow for market-based subaccount investments. While cash values fluctuate based on performance, variable life policies typically provide a guaranteed minimum death benefit. A prospectus must be delivered to a potential client at or before the time of the sales presentation for any variable insurance product. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u61GNln4k52</video:player_loc>
      <video:duration>279</video:duration>
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  <url>
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      <video:title>Life Insurance Exam National 33 Universal Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: Universal Life is an unbundled product separating mortality, expenses, and interest. Differences between Death Benefit Option A (level) and Option B (increasing). Premium flexibility allowing for target, minimum, or skipped payments based on cash value. The corridor requirement that ensures the policy maintains its tax-deferred status. Why increasing the death benefit requires new evidence of insurability. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0jhW3tHloEfJ/0QvagQT4k52_VYIAUP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0jhW3tHloEfJ/1774691919/index.m3u8</video:content_loc>
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      <video:duration>272</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-33-comparative-market-analysis-explained</loc>
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      <video:title>Real Estate Exam National 33, Comparative Market Analysis Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: CMAs are informal estimates used for pricing decisions and differ significantly from formal appraisals. Licensing exam candidates must know that CMAs cannot be used for mortgage lending or refinancing purposes. The three main data categories for a CMA include recently sold properties, active listings, and expired listings. Expired listings are crucial for determining the price points the market has rejected as too high. While appraisals must follow USPAP guidelines, CMAs are not subject to these same regulatory standards. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/szdC_racUkhb/06vrg6m4kO2_cUuHTU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/szdC_racUkhb/1774691921/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=06vrg6m4kO2</video:player_loc>
      <video:duration>275</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-35-variable-universal-life-insurance-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 35 Variable Universal Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: How Variable Universal Life (VUL) combines premium flexibility with investment-linked cash value growth. Why the policyowner assumes all investment risk and the implications of having no guaranteed minimum cash value. The dual licensing requirements involving both state insurance departments and federal securities regulators like FINRA. The distinction between Death Benefit Option A and Option B within a flexible variable structure. The critical requirement for prospectus delivery at the point of solicitation for all variable insurance products. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wDhe3xrlQAnJ/ukvXgBSOl42_GHsBjY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wDhe3xrlQAnJ/1774691940/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ukvXgBSOl42</video:player_loc>
      <video:duration>269</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-22-needs-approach-to-life-insurance-explained</loc>
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      <video:title>Life Insurance Exam National 22 Needs Approach to Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Life Insurance exam. In this episode you will learn: - The fundamental differences between the Needs Approach and the Human Life Value method. - How to identify the immediate cash needs of an estate including clearance funds and debt liquidation. - The critical definition of the Social Security blackout period and why it is a common exam trap. - The characteristics of the three survivor income periods known as readjustment, dependency, and retirement. - The distinction between the capital conservation and capital liquidation strategies for income replacement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Zjhm_bukogUR/0A1XM6TzQP2_bKKRTX.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0A1XM6TzQP2</video:player_loc>
      <video:duration>269</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-09-air-rights-and-subsurface-rights-explained</loc>
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      <video:title>Real Estate Exam National 09, Air Rights and Subsurface Rights Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Real property ownership is three-dimensional, extending from the earth core to the heavens unless legally restricted. Subsurface rights include minerals, oil, and gas, which can be severed from the surface land and sold separately. Air rights are divisible and valuable in urban areas, though subject to federal aviation laws for navigable airspace. Natural resources transition from real property to personal property the moment they are extracted from the ground. The concept of subjacent support ensures that subsurface owners do not compromise the physical stability of the surface. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>278</video:duration>
    </video:video>
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      <video:title>Best ATI TEAS 7 Study Books 2026 Top 3 Picks for Nursing School (FREE Practice)</video:title>
      <video:description>The best ATI TEAS 7 study books for 2026! We review the top 3 study guides to help you score high on the TEAS exam and get into nursing school. Plus, get FREE TEAS practice questions. ATI TEAS 7 Exam Quick Facts: 170 questions across 4 sections (Reading, Math, Science, English) 209 minutes total testing time Most nursing programs require 60-80% composite score Science section is the most heavily weighted by many programs FREE TEAS Practice Questions: https://open-exam-prep.com/exams/teas FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Newstone TEAS 7 Exam Prep: https://www.amazon.com/dp/1989726992?tag=openexamprep-20 Test Prep Books ATI TEAS Study Guide: https://www.amazon.com/dp/1637755090?tag=openexamprep-20 NurseHub TEAS 7 Prep: https://www.amazon.com/dp/B0DTFX8HDQ?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. ATITEAS TEAS7 NursingSchool TEASExam NursingAdmission ExamPrep StudyBooks 2026 Free NursingStudent TEASScience TEASMath PreNursing Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:16 - Content Breakdown 2:34 - Hardest Topics 3:49 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:duration>249</video:duration>
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      <video:title>Best NCLEX-PN Study Books 2026 Top 3 Picks for LPN/LVN Exam (FREE Practice)</video:title>
      <video:description>The best NCLEX-PN study books for 2026! We review the top 3 study guides to help you pass the Next Generation NCLEX-PN exam and earn your LPN or LVN license. Plus, get FREE NCLEX-PN practice questions. NCLEX-PN Exam Quick Facts: Next Generation NCLEX format with new question types 85-150 questions, up to 5 hours Administered by Pearson VUE Required for LPN/LVN licensure in all 50 states FREE NCLEX-PN Practice Questions: https://open-exam-prep.com/exams/nclex-pn FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Newstone NCLEX-PN Exam Prep: https://www.amazon.com/dp/1998805549?tag=openexamprep-20 Zerwekh Illustrated Study Guide for the NCLEX-PN: https://www.amazon.com/dp/0323760023?tag=openexamprep-20 Ascencia NCLEX-PN Exam Prep: https://www.amazon.com/dp/B0FBX1D2JR?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. NCLEXPN LPN LVN NursingExam NextGenNCLEX ExamPrep StudyBooks 2026 Free NursingStudent PracticalNurse NCLEX NursingSchool Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:17 - Content Breakdown 2:33 - Hardest Topics 3:43 - Study Strategy &amp;amp; Next Steps</video:description>
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    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-32-limited-pay-and-single-premium-whole-life-explained</loc>
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      <video:title>Life Insurance Exam National 32 Limited Pay and Single Premium Whole Life Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Limited pay whole life offers permanent protection until age 100 while allowing the owner to stop paying premiums after a set number of years. Premiums for limited pay policies are higher than straight life policies because the total cost is funded over a shorter timeframe. Single premium whole life creates immediate cash value but is classified as a Modified Endowment Contract due to failing the seven-pay test. Modified Endowment Contracts lose their tax-favored status for withdrawals, which are instead taxed as last-in-first-out and may incur penalties. Regardless of how quickly premiums are paid, all whole life policies endow or mature when the cash value equals the face amount at age 100. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vst82dzkVc-d/0YDHNknPQj2_oDkYRQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vst82dzkVc-d/1774693567/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0YDHNknPQj2</video:player_loc>
      <video:duration>250</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-32-highest-and-best-use-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 32, Highest and Best Use Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The four-step analysis used by appraisers to determine the highest and best use of a property. How to distinguish between legally permissible and physically possible constraints on land. Why appraisers must analyze land both as vacant and as currently improved to find the highest value. The definition of interim use and how it appears in exam scenarios. A mnemonic device to help you recall the criteria for highest and best use under pressure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2HsORhTBkE_d/vI8Wh6mPli2_ouSiNH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2HsORhTBkE_d/1774693705/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vI8Wh6mPli2</video:player_loc>
      <video:duration>253</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-28-income-approach-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 28, Income Approach Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How to apply the IRV formula to solve for value, rate, or income The essential steps to calculate Net Operating Income from Potential Gross Income Why debt service and depreciation are strictly excluded from operating expenses The inverse relationship between capitalization rates and property market value How to distinguish between the Income Approach and the Gross Rent Multiplier For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xXkS6d5lok_l/vsCagQSOkz2_gifPNc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xXkS6d5lok_l/1774693712/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vsCagQSOkz2</video:player_loc>
      <video:duration>261</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/best-ptce-study-books-2026-top-3-pharmacy-tech-exam-picks-free-practice</loc>
    <video:video>
      <video:title>Best PTCE Study Books 2026 Top 3 Pharmacy Tech Exam Picks (FREE Practice)</video:title>
      <video:description>The best PTCE study books for 2026! We review the top 3 study guides to help you pass the Pharmacy Technician Certification Exam and earn your CPhT credential. Plus, get FREE PTCE practice questions. PTCE Exam Quick Facts: 90 questions (80 scored + 10 unscored), 1 hour 50 minutes 1,500 scaled score needed to pass (on 1,000-1,600 scale) Administered by Pearson VUE Certification awarded by the PTCB FREE PTCE Practice Questions: https://open-exam-prep.com/exams/ptce FREE AI Study Assistant: https://open-exam-prep.com Recommended Study Books: Test Prep Books PTCB Exam Study Guide 8th Edition: https://www.amazon.com/dp/1637989423?tag=openexamprep-20 Benlow PTCB Study Guide: https://www.amazon.com/dp/B0DVGW2TBP?tag=openexamprep-20 Newstone PTCB Exam Prep: https://www.amazon.com/dp/1989726909?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. PTCE PTCB PharmacyTech PharmacyTechnician CPhT ExamPrep StudyBooks 2026 Free PharmacyStudent PharmacyCertification PharmacyExam Timestamps: 0:00 - Introduction 0:08 - Key Facts &amp;amp; Stats 1:22 - Content Breakdown 2:41 - Hardest Topics 3:48 - Study Strategy &amp;amp; Next Steps</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/v1cq3ryclk3O/vs8rg7n5lj2_uSWTUs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/v1cq3ryclk3O/1774693732/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vs8rg7n5lj2</video:player_loc>
      <video:duration>245</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-1-introduction-to-investment-companies</loc>
    <video:video>
      <video:title>Series 6 1, Introduction to Investment Companies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The three types of investment companies defined by the Investment Company Act of 1940. - How a Face-Amount Certificate promises a fixed future payout for a current investment. - The structure of a Unit Investment Trust (UIT) as a fixed, unmanaged, and self-liquidating portfolio. - The role of an investment adviser and board of directors in a Management Company. - A mnemonic to distinguish between the three company types for your exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qZcmJvmkoECl/vYDaMlmOlz2_zkOTQa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qZcmJvmkoECl/1774693761/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vYDaMlmOlz2</video:player_loc>
      <video:duration>241</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-31-whole-life-insurance-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 31 Whole Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam insurance exam. In this episode you will learn: Whole life provides permanent protection with level premiums and a level death benefit throughout the life of the policy. Cash value acts as a living benefit that grows tax-deferred and can be accessed via policy loans. Policies mature or endow when the cash value equals the death benefit, traditionally at age 100 or 121. Nonforfeiture options like extended term and reduced paid-up insurance protect the policyowners equity if premiums stop. The insurers net amount at risk decreases over time as the cash value within the policy increases. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/XLom-h9sVE9d/vsDqNlmjRj2_UtMnoc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/XLom-h9sVE9d/1774693708/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vsDqNlmjRj2</video:player_loc>
      <video:duration>264</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-19-types-of-deeds-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 19, Types of Deeds Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: General Warranty Deeds provide five specific covenants covering the entire title history of the property. Special Warranty Deeds limit the grantors liability to their own period of ownership only. Bargain and Sale Deeds imply ownership and possession but lack express warranties against hidden liens. Quitclaim Deeds are the preferred legal tool for clearing clouds on title due to zero grantor liability. The Covenant of Seisin is the specific legal promise that a grantor holds valid title and the right to convey it. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1Lw8QhzkpsFi/1I9GNATjQj2_dWrxGM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1Lw8QhzkpsFi/1774693726/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1I9GNATjQj2</video:player_loc>
      <video:duration>270</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-29-mutual-fund-expenses-and-disclosure</loc>
    <video:video>
      <video:title>SIE 29, Mutual Fund Expenses and Disclosure</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The key differences between Class A, B, and C mutual fund shares and their associated sales charges. - How 12b-1 fees are used for marketing and distribution and vary across different share classes. - The specific components of a mutual funds expense ratio and the critical fees that are excluded from it. - The regulatory requirement for delivering a prospectus to investors at or before the point of sale. - The purpose of the Statement of Additional Information (SAI) and how its delivery rules differ from the prospectus. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wXoWJxPcokub/1YDGhRTzRj2_tDoJAa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wXoWJxPcokub/1774693706/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1YDGhRTzRj2</video:player_loc>
      <video:duration>266</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-28-mutual-fund-share-classes</loc>
    <video:video>
      <video:title>SIE 28, Mutual Fund Share Classes</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The primary fee structures of Class A, Class B, and Class C mutual fund shares. - How investors can use breakpoints to receive reduced front-end sales charges. - The difference between a Letter of Intent (LOI) and Rights of Accumulation (ROA) for qualifying for breakpoints. - Why different share classes are suitable for different investor time horizons and investment amounts. - How to identify common exam traps, including suitability questions and the prohibited practice of breakpoint sales. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/11c0Yr4tVExj/vc9bNQnyRi2_FwKfwZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/11c0Yr4tVExj/1774693748/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vc9bNQnyRi2</video:player_loc>
      <video:duration>264</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-53-market-manipulation</loc>
    <video:video>
      <video:title>SIE 53, Market Manipulation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - Understanding the pump and dump scheme where false hype is used to inflate a stocks price for a quick profit. - Identifying front-running as the prohibited practice of a broker trading for their own account based on advance knowledge of a large client order. - Defining painting the tape as the illegal act of creating a false appearance of active trading in a security. - Recognizing specific manipulative tactics like matched orders and marking the close. - Applying the People Freak out over Prices mnemonic to remember the key types of market manipulation. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3RAuYhTIoEpR/9I9rNBn5QO2_TdQdHf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3RAuYhTIoEpR/1774695301/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9I9rNBn5QO2</video:player_loc>
      <video:duration>259</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-50-order-types</loc>
    <video:video>
      <video:title>SIE 50, Order Types</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The difference between certainty of execution (market order) and certainty of price (limit order). - How stop orders are used for risk management and become market orders once triggered. - Why a stop-limit order provides price protection but introduces execution risk. - The common exam trap of a stock price gapping through a stop or limit price. - How to use the SLOBS over BLISS mnemonic to remember where to place orders relative to the market price. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1ao8ND0kMonO/DY9HgBS5RO2_whwFXZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1ao8ND0kMonO/1774695361/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DY9HgBS5RO2</video:player_loc>
      <video:duration>260</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-28-term-life-insurance-fundamentals-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 28 Term Life Insurance Fundamentals Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Term life insurance provides pure death protection with absolutely no cash value or living benefits. It serves as the most economical option for obtaining a high death benefit at a low initial cost. Decreasing term insurance is the standard solution for covering amortized debts like home mortgages. The renewability feature allows the insured to maintain coverage without health evidence at an attained age premium. Convertibility provides a bridge to permanent insurance without requiring the insured to prove their insurability. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2hx42jqAMo0j/uACWgBm4ki2_DEKefP.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2hx42jqAMo0j/1774695496/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uACWgBm4ki2</video:player_loc>
      <video:duration>260</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-25-market-value-vs-market-price-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 25, Market Value vs Market Price Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Market value is a theoretical estimate of the most probable price under ideal conditions. Market price is the actual historical fact of what was paid in a transaction. Arms length transactions are the only reliable indicators of true market value. Cost is the total expenditure for improvements and does not necessarily equal value or price. Value is always an opinion whereas price is always a recorded reality. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qdtGJDrkdk3Q/uQ8XNAn4ly2_EkAadI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qdtGJDrkdk3Q/1774695494/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uQ8XNAn4ly2</video:player_loc>
      <video:duration>245</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-21-human-life-value-concept-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 21 Human Life Value Concept Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: How the Human Life Value approach calculates coverage based on the present value of future earnings potential. The specific variables required for HLV calculations including annual income, work years remaining, and personal consumption. How to distinguish between HLV and the Needs Approach by identifying income-focused versus expense-focused test questions. The impact of interest rates and discount factors on the total required insurance death benefit. How to use age-based multipliers as an exam shortcut for estimating coverage needs across different life stages. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rxpm_lusNc-d/u6DaNBmPky2_YvIUOs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rxpm_lusNc-d/1774695506/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=u6DaNBmPky2</video:player_loc>
      <video:duration>251</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-21-chain-of-title-and-abstract-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 21, Chain of Title and Abstract Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Chain of title is the chronological list of all previous owners and represents the sequential links of ownership. Abstract of title is a condensed summary of all recorded documents including deeds, mortgages, liens, and easements. A suit to quiet title or a quitclaim deed is typically used by owners to fix a broken chain or cloud on title. Title examiners generally search public records for at least forty years to establish a marketable title for the buyer. An abstract is only a report of the public record and does not provide the protection of title insurance or a guarantee of validity. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZfBWNnWANcDH/0A9WhBSPlz2_vEHZMd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ZfBWNnWANcDH/1774695491/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0A9WhBSPlz2</video:player_loc>
      <video:duration>248</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-57-sec-and-securities-laws</loc>
    <video:video>
      <video:title>SIE 57, SEC and Securities Laws</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The key difference between the Securities Act of 1933 (primary market) and the Securities Exchange Act of 1934 (secondary market). - Why the Act of 1933 is called the truth in securities law and its focus on prospectuses and registration statements for new issues. - How the Act of 1934 created the SEC and governs ongoing reporting for public companies, like 10-K and 10-Q filings. - Common exam traps, such as the misconception that the SEC approves securities rather than just clearing them for sale. - The limits of SEC enforcement power, specifically that it can impose civil penalties but must refer cases to the Department of Justice for criminal prosecution. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YWAKJzakckgP/uA9XM7nyQj2_xxIIaT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YWAKJzakckgP/1774695511/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uA9XM7nyQj2</video:player_loc>
      <video:duration>252</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-27-cost-approach-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 27, Cost Approach Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How the cost approach uses the principle of substitution to value unique or special-purpose properties. Why land must be valued separately and is never subject to depreciation in exam math problems. The distinction between reproduction cost for exact replicas and replacement cost for modern utility. The three types of depreciation including physical deterioration, functional obsolescence, and external obsolescence. How to apply the age-life method to determine accumulated depreciation percentages for improvements. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/32FaNDLlck1G/0kDrMRSyQj2_fmCVoS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/32FaNDLlck1G/1774695656/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0kDrMRSyQj2</video:player_loc>
      <video:duration>258</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-04-dependent-rules-and-requirements</loc>
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      <video:title>Enrolled Agent Exam Part 1 04, Dependent Rules and Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical difference between the support tests for a qualifying child versus a qualifying relative. Key age test requirements for a qualifying child, including the under 19, under 24 for students, and disability exceptions. The strict gross income limit that a qualifying relative must meet to be claimed as a dependent. How to apply the tie-breaker rules when a child is a qualifying child for multiple taxpayers. The distinction between relatives who must live with you all year and those who do not. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam real estate exam. In this episode you will learn: How to calculate the Gross Rent Multiplier using price and gross income. The critical difference between the Gross Rent Multiplier and the Capitalization Rate. Why a lower multiplier indicates a potentially more profitable investment for a buyer. How to avoid the common exam trap of mixing monthly and annual rental figures. A simple mnemonic to remember the relationship between income and property value. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>241</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: The primary differences between Level, Decreasing, and Increasing term insurance. Why Decreasing Term is the preferred choice for mortgage protection and amortizing debts. How Increasing Term functions as a rider to address inflation and return of premium features. Common exam traps regarding level premiums versus changing death benefits. A simple mnemonic to categorize term variations based on consumer financial needs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>241</video:duration>
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      <video:title>SIE 55, Customer Protection Violations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The definition of churning and how it is identified based on a clients objectives. - What constitutes an unauthorized trade and the requirements for non-discretionary accounts. - How to determine if a recommendation is unsuitable by analyzing a customers investment profile. - The difference between selling away and a private securities transaction. - The critical distinction between notice and approval requirements for private securities transactions based on compensation. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>257</video:duration>
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      <video:title>Real Estate Exam National 20, Deed Covenants and Warranties Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The definition of the Covenant of Seisin and how it differs from the Right to Convey. Why the Covenant Against Encumbrances only applies to undisclosed liens and easements. The technical meaning of Quiet Enjoyment as a protection against superior title claims. The distinction between Present Covenants and Future Covenants in a deed. How to differentiate General Warranty Deeds from Special Warranty and Quitclaim Deeds. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>251</video:duration>
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      <video:title>Real Estate Exam National 17, Tenancy in Common Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Why Tenancy in Common is the default ownership for non-married co-owners. The distinction between undivided interest and physical division of property. How the lack of survivorship rights makes this form of ownership inheritable. The flexibility of Tenancy in Common regarding unequal shares and different acquisition times. How to identify the Unity of Possession as the only requirement for this ownership type. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>254</video:duration>
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      <video:title>Real Estate Exam National 05, Economic Characteristics of Land Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How scarcity limits the economic supply of land regardless of its physical abundance. The distinction between improvements on the land and improvements to the land. Why permanence of investment, or fixity, makes real estate a long-term, illiquid asset. Why area preference, or situs, is considered the most significant factor in land value. Strategies to differentiate economic characteristics from physical characteristics to avoid common exam traps. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>246</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Insurable interest must exist at the time of application for life insurance policies to be valid. Individuals possess an unlimited insurable interest in their own lives and may name any beneficiary. Legitimate interest is generally limited to close family members, business partners, or key employees. Creditors have a limited insurable interest in debtors only up to the specific amount of the debt. Policies lacking insurable interest at inception are considered void wagering contracts and are unenforceable. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>248</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How the NCLEX tests your scope of practice through delegation scenarios. The Four Ds of Malpractice: Duty, Dereliction, Direct Cause, and Damages. A common exam trap involving the element of Direct Cause in negligence cases. Why specific, objective documentation is your most critical legal defense. How to identify intentional torts like assault, battery, and false imprisonment in test questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Life Insurance Exam National 20 Purpose of Life Insurance Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The critical differences between the Human Life Value and Needs approaches for determining coverage. How life insurance acts as an immediate estate to provide liquidity for final expenses and taxes. The principle of indemnification and why life insurance cannot be used for financial speculation. The L.I.F.E. mnemonic to quickly identify the four primary personal uses of insurance proceeds. How to identify exam traps related to the dependency and blackout periods for beneficiaries. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>240</video:duration>
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      <video:title>Real Estate Exam National 00, Real Property vs Personal Property Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Real property is conveyed via a deed while personal property is conveyed via a bill of sale. The MARIA acronym provides a five-part test to determine if an item is a fixture. Trade fixtures are personal property belonging to a business tenant rather than the landlord. Emblements are annual crops classified as personal property even when attached to the land. Severance is the legal process of turning real property into personal property by removing it from the land. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>245</video:duration>
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      <video:title>Wyoming Life Health Exam Guide 2026 FREE Study Guide &amp;amp; Practice Test</video:title>
      <video:description>FREE Wyoming Life Health Exam Guide 2026 study guide and practice test. Pass your exam with our comprehensive prep materials at open-exam-prep.com Start FREE Practice: https://open-exam-prep.com examprep wyominglifehealthexamguide2026 freestudyguide</video:description>
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      <video:description>FREE Utah Life Health Exam Guide 2026 study guide and practice test. Pass your exam with our comprehensive prep materials at open-exam-prep.com Start FREE Practice: https://open-exam-prep.com examprep utahlifehealthexamguide2026 freestudyguide</video:description>
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      <video:description>A dividend is a distribution of a portion of a companys earnings to shareholders, typically paid quarterly in cash or additional shares. Learn more about Dividend and other key terms for your SIE, SERIES6, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Dividend definition: https://www.open-exam-prep.com/glossary/dividend Exam Tip: Ex-dividend date is 1 business day before record date. Buy BEFORE ex-date to get dividend. --- securities examprep financeexam sie series6 series7</video:description>
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      <video:description>Welcome to the CFP Exam Prep Complete Video Course by Open Exam Prep! YouTube Course Playlist: https://www.youtube.com/playlist?list=PLi1e52n1YnBTnRmczg6zlBMSHnEH46ZuR FREE CFP Exam Preparation Course: https://www.open-exam-prep.com/exams/cfp This comprehensive playlist contains 150+ video lessons covering all six major topics you need to master for the Certified Financial Planner (CFP) exam: COURSE CONTENTS: 1 Fundamentals (20 lessons) Ethics, Fiduciary Duty, Financial Planning Process 2 Investment Planning (30 lessons) Securities, Portfolio Theory, CAPM, Options 3 Insurance (20 lessons) Life, Health, Disability, Long-Term Care 4 Tax Planning (30 lessons) Income Tax, Capital Gains, Deductions, AMT 5 Retirement Planning (30 lessons) 401(k), IRA, Pension Plans, Social Security 6 Estate Planning (20 lessons) Wills, Trusts, Gift Tax, GSTT Each lesson is clear, concise, and exam-focused Perfect for CFP exam candidates Free to watch - subscribe for updates! Visit our website: https://www.open-exam-prep.com Full glossary: https://www.open-exam-prep.com/glossary Subscribe to Open Exam Prep for more exam prep content! --- CFP CFPExam FinancialPlanner ExamPrep Finance Investment Insurance Tax Retirement EstatePlanning OpenExamPrep Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>A put option gives the holder the right to sell an underlying asset at a specified strike price before the expiration date. Learn more about Put Option and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Put Option definition: https://www.open-exam-prep.com/glossary/put-option Exam Tip: Put buyer is bearish. Max loss = premium. Breakeven = strike - premium. --- securities examprep financeexam sie series7</video:description>
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      <video:duration>90</video:duration>
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      <video:description>Joint tenancy is a form of property co-ownership where two or more people hold equal, undivided interests with the right of survivorship, meaning when one owner dies, their share automatically passes to the surviving owner(s). Learn more about Joint Tenancy and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Joint Tenancy definition: https://www.open-exam-prep.com/glossary/joint-tenancy Exam Tip: Joint tenancy needs 4 unities: TTIP (Time, Title, Interest, Possession). Right of survivorship = bypasses probate! --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:duration>103</video:duration>
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      <video:description>A limit order is an instruction to buy or sell a security at a specified price or better, guaranteeing the price but not guaranteeing execution. Learn more about Limit Order and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Limit Order definition: https://www.open-exam-prep.com/glossary/limit-order Exam Tip: Limit = price guaranteed, execution not guaranteed. Buy limit below market sell limit above market. --- securities examprep financeexam sie series7</video:description>
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      <video:description>Equity is the difference between a propertys current market value and the amount owed on the mortgage, representing the owners ownership stake in the property. Learn more about Equity (Real Estate) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Equity (Real Estate) definition: https://www.open-exam-prep.com/glossary/equity Exam Tip: Equity = Value - Mortgage. Equity builds through payments and appreciation. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:description>A death benefit is the amount of money paid to beneficiaries upon the death of an insured person, typically the face amount of a life insurance policy. Learn more about Death Benefit and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Death Benefit definition: https://www.open-exam-prep.com/glossary/death-benefit Exam Tip: Death benefit is income tax-free to beneficiaries. Policy loans reduce the death benefit. --- insurance examprep financeexam life-health</video:description>
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      <video:description>An annuity is an insurance contract that provides a stream of income payments, typically for retirement, in exchange for an initial lump sum or series of payments. Learn more about Annuity and other key terms for your SIE, SERIES6, SERIES7, LIFE-HEALTH exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Annuity definition: https://www.open-exam-prep.com/glossary/annuity Exam Tip: Variable annuity = securities product (needs licenses). Fixed annuity = insurance only. --- insurance examprep financeexam sie series6 series7 life-health</video:description>
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      <video:description>A market order is an instruction to buy or sell a security immediately at the best available current price, guaranteeing execution but not the price. Learn more about Market Order and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Market Order definition: https://www.open-exam-prep.com/glossary/market-order Exam Tip: Market order = execution guaranteed, price NOT guaranteed. Opposite of limit order. --- securities examprep financeexam sie series7</video:description>
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      <video:description>Cash value is the savings component of a permanent life insurance policy that grows tax-deferred and can be accessed through loans or withdrawals during the policyholders lifetime. Learn more about Cash Value and other key terms for your LIFE-HEALTH, SERIES6 exam at Open Exam Prep. This term appears on: LIFE-HEALTH, SERIES6 Full glossary: https://www.open-exam-prep.com/glossary Cash Value definition: https://www.open-exam-prep.com/glossary/cash-value Exam Tip: Cash value = permanent life only (not term). Tax-deferred growth. Loans reduce death benefit. --- insurance examprep financeexam life-health series6</video:description>
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      <video:description>The bid-ask spread is the difference between the highest price a buyer is willing to pay (bid) and the lowest price a seller is willing to accept (ask), representing a transaction cost and liquidity indicator. Learn more about Bid-Ask Spread and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Bid-Ask Spread definition: https://www.open-exam-prep.com/glossary/bid-ask-spread Exam Tip: Bid = what buyers pay (lower). Ask = what sellers want (higher). Spread = transaction cost. Wider spread = less liquid. --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:description>An adjustable rate mortgage (ARM) is a home loan with an interest rate that changes periodically based on market conditions, typically starting with a lower fixed rate before adjusting. Learn more about ARM (Adjustable Rate Mortgage) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary ARM (Adjustable Rate Mortgage) definition: https://www.open-exam-prep.com/glossary/arm Exam Tip: 5/1 ARM = 5 years fixed, then adjusts yearly. Know the caps: initial, periodic, lifetime. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:duration>106</video:duration>
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      <video:description>Complete CNA exam study guide for 2026! Learn about the written test and clinical skills evaluation, all 9 content areas, and tips to pass your certification exam. What youll learn: 00:00 - CNA Exam Overview 00:30 - Exam Format (Written + Skills) 01:00 - Written Exam Content Areas 01:30 - Clinical Skills Test 02:00 - Key Topics to Study 02:30 - Study Tips &amp;amp; Free Resources FREE CNA Practice: https://open-exam-prep.com/exams/cna Full Blog Guide: https://open-exam-prep.com/blog/cna-exam-guide-2026 Key Facts: - Two-part exam: Written (60-70 questions) + Skills (3-5 demonstrations) - 70% passing for written, 100% per skill - Testing vendors: NNAAP, Prometric, D&amp;amp;S, Headmaster - CNA certification opens doors to healthcare careers CNA CertifiedNursingAssistant NursingAssistant CNAExam HealthcareCareers ExamPrep 2026</video:description>
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      <video:duration>109</video:duration>
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      <video:description>Diversification is an investment strategy that spreads investments across various assets, sectors, or geographic regions to reduce risk without necessarily sacrificing returns. Learn more about Diversification and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Diversification definition: https://www.open-exam-prep.com/glossary/diversification Exam Tip: Diversification reduces UNSYSTEMATIC (company) risk, NOT systematic (market) risk. --- general examprep financeexam sie series6 series7 series65 series66</video:description>
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      <video:description>A death benefit is the amount of money paid to beneficiaries upon the death of an insured person, typically the face amount of a life insurance policy. Learn more about Death Benefit and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Death Benefit definition: https://www.open-exam-prep.com/glossary/death-benefit Exam Tip: Death benefit is income tax-free to beneficiaries. Policy loans reduce the death benefit. --- insurance examprep financeexam life-health</video:description>
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      <video:description>A broker-dealer is a financial firm that buys and sells securities for its customers (broker) and for its own account (dealer), regulated by FINRA and the SEC. Learn more about Broker-Dealer and other key terms for your SIE, SERIES6, SERIES7, SERIES63, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES63, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Broker-Dealer definition: https://www.open-exam-prep.com/glossary/broker-dealer Exam Tip: Broker = agent (commission). Dealer = principal (markup). B-D does both. --- general examprep financeexam sie series6 series7 series63 series66</video:description>
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      <video:duration>107</video:duration>
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      <video:description>Agency is a legal relationship where a real estate agent (agent) is authorized to act on behalf of a client (principal) in a real estate transaction. Learn more about Agency (Real Estate) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Agency (Real Estate) definition: https://www.open-exam-prep.com/glossary/agency Exam Tip: OLD CAR = agent duties. Dual agency needs written consent from BOTH parties. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:description>A grace period is a set time after the premium due date during which a policy remains in force even if the premium hasnt been paid, typically 30-31 days for life insurance. Learn more about Grace Period and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Grace Period definition: https://www.open-exam-prep.com/glossary/grace-period Exam Tip: Grace period = 30-31 days typically. Coverage continues, but overdue premium deducted from claims. --- insurance examprep financeexam life-health</video:description>
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      <video:description>Eminent domain is the governments constitutional power to take private property for public use, provided the owner receives just compensation as required by the Fifth Amendment. Learn more about Eminent Domain and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Eminent Domain definition: https://www.open-exam-prep.com/glossary/eminent-domain Exam Tip: Eminent domain = governments power to take property. Must pay JUST COMPENSATION (fair market value). Fifth Amendment protection. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dOcQpBfkdyeQ/5MuXhBLXcb2_UDTZiL.jpg</video:thumbnail_loc>
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      <video:duration>109</video:duration>
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      <video:description>An exclusive agency listing is a listing agreement where one broker has the exclusive right to market the property, but the seller retains the right to sell the property themselves without owing a commission. Learn more about Exclusive Agency Listing and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Exclusive Agency Listing definition: https://www.open-exam-prep.com/glossary/exclusive-agency-listing Exam Tip: Exclusive agency = one agent, but seller can sell themselves commission-free. Less common than exclusive right to sell because agents prefer guaranteed commission. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/L4kUcp0Bhmhk/z21GMQeXcr2_KeZIDs.jpg</video:thumbnail_loc>
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      <video:duration>110</video:duration>
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      <video:description>An appraisal is a professional assessment of a propertys market value, typically required by lenders before approving a mortgage to ensure the loan amount is appropriate. Learn more about Appraisal and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Appraisal definition: https://www.open-exam-prep.com/glossary/appraisal Exam Tip: Three appraisal methods: Sales Comparison, Cost, Income. Residential uses sales comparison. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NPhglBetgiEP/zM1ahBKGca2_ocOyvV.jpg</video:thumbnail_loc>
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      <video:duration>110</video:duration>
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      <video:title>What is Underwriting? LIFE-HEALTH Exam Prep</video:title>
      <video:description>Underwriting is the process by which an insurance company evaluates risk and determines whether to accept an application for coverage and at what premium rate. Learn more about Underwriting and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Underwriting definition: https://www.open-exam-prep.com/glossary/underwriting Exam Tip: Underwriting = risk assessment. Higher risk = higher premium. ACA prohibits health underwriting. --- insurance examprep financeexam life-health</video:description>
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      <video:duration>112</video:duration>
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      <video:title>What is Liquidity? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Liquidity refers to how quickly and easily an asset can be converted to cash without significantly affecting its price. Cash is the most liquid asset, while real estate and collectibles are considered illiquid. Learn more about Liquidity and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Liquidity definition: https://www.open-exam-prep.com/glossary/liquidity Exam Tip: Liquidity = ability to convert to cash quickly. Cash = most liquid. Real estate = illiquid. Illiquid assets often have higher expected returns. --- securities examprep financeexam sie series6 series7 series65 series66</video:description>
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      <video:duration>111</video:duration>
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      <video:title>What is Bundle of Rights? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>The bundle of rights is the set of five legal rights that come with property ownership: the right to use, possess, transfer, encumber, and exclude others (remembered by the acronym UPTEE). Learn more about Bundle of Rights and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Bundle of Rights definition: https://www.open-exam-prep.com/glossary/bundle-of-rights Exam Tip: UPTEE = Use, Possess, Transfer, Encumber, Exclude. Rights can be separated (lease gives up possession). This is a VERY common exam topic! --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:duration>112</video:duration>
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      <video:title>What is Bear Market? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>A bear market is a financial market condition characterized by falling prices, investor pessimism, and negative sentiment, typically defined as a 20% or greater decline from recent highs. Learn more about Bear Market and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Bear Market definition: https://www.open-exam-prep.com/glossary/bear-market Exam Tip: Bear = DOWN (claws swipe down). 20% decline = official bear market. --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:duration>112</video:duration>
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      <video:description>A blue chip stock is a share of a large, well-established, financially sound company with a history of reliable performance, stable earnings, and often regular dividend payments. Learn more about Blue Chip Stock and other key terms for your SIE, SERIES6, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Blue Chip Stock definition: https://www.open-exam-prep.com/glossary/blue-chip-stock Exam Tip: Blue chip = large, established, dividend-paying. Dow Jones has 30 blue chips. --- securities examprep financeexam sie series6 series7</video:description>
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      <video:duration>110</video:duration>
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      <video:title>California Real Estate Exam 2026: Complete Study Guide - Pass Your CA DRE License Exam (FREE)</video:title>
      <video:description>Complete California real estate exam study guide for 2026! Learn DRE requirements, exam format, content breakdown, and strategies to get your California real estate license. What youll learn: 00:00 - California Real Estate Overview 00:30 - Exam Format (150 questions) 01:00 - DRE Requirements 01:30 - Content Breakdown 02:00 - California-Specific Topics 02:30 - Study Tips &amp;amp; Free Resources FREE CA Real Estate Practice: https://open-exam-prep.com/exams/ca-real-estate Full Blog Guide: https://open-exam-prep.com/blog/california-real-estate-exam-guide Key Facts: - 150 questions, 3 hours 15 minutes - 70% passing score - 135 hours pre-license education - Administered by CA DRE CaliforniaRealEstate CARealEstate DRE RealEstateLicense RealEstateExam California 2026</video:description>
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      <video:duration>115</video:duration>
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      <video:title>ATI TEAS 7 Exam 2026: Complete Study Guide - Pass Your Nursing School Admission Test (FREE)</video:title>
      <video:description>Complete ATI TEAS 7 exam study guide for 2026! Learn exam format, all 4 content areas (Reading, Math, Science, English), scoring requirements, and study strategies. What youll learn: 00:00 - TEAS Exam Overview 00:30 - Exam Format (170 questions, 209 minutes) 01:00 - Reading Section (45 questions) 01:30 - Math Section (38 questions) 02:00 - Science Section (50 questions - MOST IMPORTANT!) 02:30 - English Section (37 questions) 03:00 - Study Tips &amp;amp; Free Resources FREE TEAS Practice: https://open-exam-prep.com/exams/teas Full Blog Guide: https://open-exam-prep.com/blog/teas-exam-guide-2026 Key Facts: - 170 total questions (150 scored + 20 pretest) - 209 minutes (3 hours 29 minutes) - No universal passing score (schools set 60-85%) - Science is the LARGEST and most important section TEAS ATI NursingSchool TEAS7 ExamPrep Nursing 2026</video:description>
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      <video:duration>115</video:duration>
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    <video:video>
      <video:title>What is Universal Life Insurance? LIFE-HEALTH Exam Prep</video:title>
      <video:description>Universal life insurance is a permanent life insurance policy with flexible premiums and death benefits, plus a cash value component that earns interest based on current market rates. Learn more about Universal Life Insurance and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Universal Life Insurance definition: https://www.open-exam-prep.com/glossary/universal-life-insurance Exam Tip: Universal life = flexible premiums + death benefit. Cash value can vary. Policy can lapse if underfunded. --- insurance examprep financeexam life-health</video:description>
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      <video:duration>112</video:duration>
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      <video:title>What is FINRA? SIE, SERIES6, SERIES7, SERIES63, SERIES66 Exam Prep</video:title>
      <video:description>FINRA (Financial Industry Regulatory Authority) is a self-regulatory organization that oversees broker-dealers and their registered representatives, administering qualification exams and enforcing securities rules. Learn more about FINRA and other key terms for your SIE, SERIES6, SERIES7, SERIES63, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES63, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary FINRA definition: https://www.open-exam-prep.com/glossary/finra Exam Tip: FINRA = self-regulatory (SRO), not government. SEC = government regulator. --- general examprep financeexam sie series6 series7 series63 series66</video:description>
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      <video:duration>113</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-bull-market-sie-series7-series65-series66-exam-prep</loc>
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      <video:title>What is Bull Market? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>A bull market is a financial market condition characterized by rising prices, investor optimism, and expectations of continued gains, typically defined as a 20% or greater rise from recent lows. Learn more about Bull Market and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Bull Market definition: https://www.open-exam-prep.com/glossary/bull-market Exam Tip: Bull = UP (horns thrust up). Bear = DOWN (claws swipe down). 20% move defines each. --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:duration>112</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/series-6-exam-2026-complete-study-guide-pass-your-investment-company-products-exam-free</loc>
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      <video:title>Series 6 Exam 2026: Complete Study Guide - Pass Your Investment Company Products Exam (FREE)</video:title>
      <video:description>Complete Series 6 exam study guide for 2026! Learn exam format, investment company products, variable contracts, and strategies to pass the FINRA Series 6 license exam. What youll learn: 00:00 - Series 6 Exam Overview 00:30 - Exam Format (50 questions) 01:00 - What You Can Sell 01:30 - Content Breakdown 02:00 - Key Topics 02:30 - Study Tips &amp;amp; Free Resources FREE Series 6 Practice: https://open-exam-prep.com/exams/series6 Full Blog Guide: https://open-exam-prep.com/blog/series-6-exam-guide Key Facts: - 50 scored questions + 5 pretest - 70% passing score (35/50) - 90 minutes - Requires SIE as prerequisite Series6 FINRA InvestmentCompany MutualFunds VariableAnnuities ExamPrep 2026</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cwAstjrYgqui/4NvWNQKaJW2_OtTGMr.jpg</video:thumbnail_loc>
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      <video:duration>115</video:duration>
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    <video:video>
      <video:title>What is Foreclosure? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Foreclosure is the legal process by which a lender takes ownership of a property when the borrower fails to make mortgage payments, typically after several months of default. Learn more about Foreclosure and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Foreclosure definition: https://www.open-exam-prep.com/glossary/foreclosure Exam Tip: Judicial foreclosure = through courts. Non-judicial = faster, uses power of sale clause. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/feAsFjHIJe8O/y31rhlKbIG2_gfbcAx.jpg</video:thumbnail_loc>
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      <video:duration>115</video:duration>
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      <video:title>What is Free Look Period? LIFE-HEALTH Exam Prep</video:title>
      <video:description>The free look period is a mandatory time frame (typically 10-30 days) after receiving an insurance policy during which the policyholder can cancel for a full refund of premiums paid, no questions asked. Learn more about Free Look Period and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Free Look Period definition: https://www.open-exam-prep.com/glossary/free-look-period Exam Tip: Free look = 10-30 days to cancel for FULL refund. Starts at DELIVERY, not purchase. Seniors often get longer periods. --- insurance examprep financeexam life-health</video:description>
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  <url>
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    <video:video>
      <video:title>What is Front Running? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Front running is the illegal practice of a broker executing trades for their own account ahead of a large client order, using advance knowledge that the clients trade will likely move the market price. Learn more about Front Running and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Front Running definition: https://www.open-exam-prep.com/glossary/front-running Exam Tip: Front running = trading ahead of CLIENT orders. Insider trading = trading on COMPANY info. Both are illegal but different! --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:title>What is Eminent Domain? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Eminent domain is the governments constitutional power to take private property for public use, provided the owner receives just compensation as required by the Fifth Amendment. Learn more about Eminent Domain and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Eminent Domain definition: https://www.open-exam-prep.com/glossary/eminent-domain Exam Tip: Eminent domain = governments power to take property. Must pay JUST COMPENSATION (fair market value). Fifth Amendment protection. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:content_loc>https://streaming.open.video/contents/bJFMhDq6cuVj/1774758304/index.m3u8</video:content_loc>
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      <video:duration>116</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-cloud-on-title-real-estate-salesperson-exam-prep</loc>
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      <video:title>What is Cloud on Title? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A cloud on title is any document, claim, lien, or encumbrance that could impair or affect the owners title to property, making the title unmarketable until resolved. Learn more about Cloud on Title and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Cloud on Title definition: https://www.open-exam-prep.com/glossary/cloud-on-title Exam Tip: Cloud on title = any defect making title unmarketable. Quiet title action = court proceeding to clear the cloud. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/c3dEdzbJhihO/zg1XM6LbIH2_fMaqog.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/c3dEdzbJhihO/1774758304/index.m3u8</video:content_loc>
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      <video:duration>115</video:duration>
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  <url>
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      <video:title>What is Compound Interest? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods, causing wealth to grow exponentially over time. Learn more about Compound Interest and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Compound Interest definition: https://www.open-exam-prep.com/glossary/compound-interest Exam Tip: Rule of 72: Divide 72 by interest rate = years to double. Compound = exponential growth. --- general examprep financeexam sie series6 series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KZdQglH7dqgk/zw0ag6fHJH2_Byxyxk.jpg</video:thumbnail_loc>
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      <video:duration>116</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-copay-copayment-life-health-exam-prep</loc>
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      <video:title>What is Copay (Copayment)? LIFE-HEALTH Exam Prep</video:title>
      <video:description>A copay is a fixed dollar amount that an insured person pays for a covered healthcare service, typically due at the time of service, regardless of the total cost. Learn more about Copay (Copayment) and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Copay (Copayment) definition: https://www.open-exam-prep.com/glossary/copay Exam Tip: Copay = fixed amount (25). Coinsurance = percentage (20%). Know the difference! --- insurance examprep financeexam life-health</video:description>
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      <video:duration>114</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-capital-gain-sie-series6-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Capital Gain? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>A capital gain is the profit realized when an investment or asset is sold for more than its original purchase price, subject to taxation based on holding period. Learn more about Capital Gain and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Capital Gain definition: https://www.open-exam-prep.com/glossary/capital-gain Exam Tip: Long-term (more than 1 year) = lower tax rates. Short-term = ordinary income. Wash sale = 30 days. --- securities examprep financeexam sie series6 series7 series65 series66</video:description>
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      <video:duration>115</video:duration>
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      <video:title>What is Trade Date? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>The trade date is the day when a securities transaction is executedwhen the buyer and seller agree to the terms and the order is filled, regardless of when settlement occurs. Learn more about Trade Date and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Trade Date definition: https://www.open-exam-prep.com/glossary/trade-date Exam Tip: Trade date = when order executes. Settlement date = when ownership transfers. T+1 is current standard. Taxes based on TRADE date. --- securities examprep financeexam sie series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gchMxBbRlqpI/5hvXhlLbIH2_ltPLWp.jpg</video:thumbnail_loc>
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      <video:duration>116</video:duration>
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  <url>
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      <video:title>What is Fixture? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A fixture is personal property that has been permanently attached to real property and becomes part of the real estate, transferring with the property when sold unless specifically excluded in the contract. Learn more about Fixture and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Fixture definition: https://www.open-exam-prep.com/glossary/fixture Exam Tip: Use MARIA to determine fixtures. Intent is key! Trade fixtures belong to tenant. When contract specifies, contract controls. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/agpopDfJoeUi/53uWM7fXIH2_HKSCwg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/agpopDfJoeUi/1774758439/index.m3u8</video:content_loc>
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      <video:duration>117</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-deed-of-trust-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Deed of Trust? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A deed of trust is a security instrument used instead of a mortgage in some states, involving three parties: the borrower (trustor), lender (beneficiary), and neutral third party (trustee) who holds legal title until the loan is paid. Learn more about Deed of Trust and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Deed of Trust definition: https://www.open-exam-prep.com/glossary/deed-of-trust Exam Tip: Deed of trust = 3 parties (trustor/borrower, beneficiary/lender, trustee). Mortgage = 2 parties. Deed of trust uses non-judicial foreclosure (faster)! --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:duration>116</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-blue-sky-laws-sie-series63-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Blue Sky Laws? SIE, SERIES63, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Blue sky laws are state-level securities regulations designed to protect investors from fraud, requiring registration of securities offerings and brokers within each state. Learn more about Blue Sky Laws and other key terms for your SIE, SERIES63, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES63, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Blue Sky Laws definition: https://www.open-exam-prep.com/glossary/blue-sky-laws Exam Tip: Blue sky = STATE law. Covered securities = exempt from state registration. NASAA administers Series 63/65/66. --- securities examprep financeexam sie series63 series65 series66</video:description>
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      <video:duration>117</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-529-plan-sie-series6-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is 529 Plan? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>A 529 plan is a tax-advantaged savings plan designed to help families save for future education expenses, offering tax-free growth and withdrawals when used for qualified education costs. Learn more about 529 Plan and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary 529 Plan definition: https://www.open-exam-prep.com/glossary/529-plan Exam Tip: 529 = tax-free growth for education. Can change beneficiary. State tax benefits vary. --- securities examprep financeexam sie series6 series7 series65 series66</video:description>
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      <video:duration>115</video:duration>
    </video:video>
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  <url>
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      <video:title>Nursing Exam Prep NCLEX-RN 76, Burns</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Quickly calculate Total Body Surface Area (TBSA) for adult patients using the Rule of Nines. Apply the Parkland formula for fluid resuscitation, paying close attention to the critical timing rule. Identify the signs of a life-threatening inhalation injury and prioritize airway management above all else. Differentiate between superficial, partial-thickness, and full-thickness burns as it applies to exam questions. Understand that infection prevention is a paramount long-term goal in burn patient care. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>243</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-73-form-8962-premium-tax-credit-reconciliation</loc>
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      <video:title>Enrolled Agent Exam Part 1 73, Form 8962 - Premium Tax Credit Reconciliation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to reconcile Advance Premium Tax Credits (APTC) with the final allowable Premium Tax Credit (PTC) on Form 8962. The role of Modified AGI, the Federal Poverty Line (FPL), and the applicable figure in calculating a taxpayers required contribution. Why the second-lowest-cost silver plan, or benchmark plan, is critical for determining the final PTC amount. How income-based repayment limitations can cap the amount of excess APTC a taxpayer must pay back, a common exam trap. A mnemonic to remember the PTC calculation and reconciliation process for exam day. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>194</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/series-65-5-inflation-deflation-and-the-consumer-price-index</loc>
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      <video:title>Series 65 5, Inflation Deflation and the Consumer Price Index</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the Series 65 exam tests the Consumer Price Index (CPI) and the concept of real, inflation-adjusted returns. - The critical difference between demand-pull and cost-push inflation, with clear, exam-style examples. - Why deflation is a significant risk to the economy and how it impacts different asset classes like stocks and bonds. - How to identify common exam traps, such as confusing deflation with disinflation. - A simple mnemonic to remember the distinction between the two main types of inflation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>245</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-1-introduction-and-types-of-health-losses</loc>
    <video:video>
      <video:title>Health Insurance 1, Introduction and Types of Health Losses</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Health insurance addresses four key losses: medical expenses, disability income, accidental death, and long-term care needs. - The crucial exam distinction between Medical Expense insurance, which pays for care, and Disability Income insurance, which replaces lost wages. - A peril is the direct cause of loss in health insurance, which is limited to either sickness or accidental injury. - A hazard is a condition that increases the chance of a peril occurring and can be categorized as physical, moral, or morale. - How to recognize common exam traps that test your ability to differentiate between loss of income and medical expense coverage in a given scenario. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/agxElzWYkCgj/WU1rN6Kadb2_KVnvNz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/agxElzWYkCgj/1774758449/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WU1rN6Kadb2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-ipo-initial-public-offering-sie-series7-exam-prep</loc>
    <video:video>
      <video:title>What is IPO (Initial Public Offering)? SIE, SERIES7 Exam Prep</video:title>
      <video:description>An IPO is the first sale of stock by a private company to the public, allowing the company to raise capital from public investors and become publicly traded. Learn more about IPO (Initial Public Offering) and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary IPO (Initial Public Offering) definition: https://www.open-exam-prep.com/glossary/ipo Exam Tip: IPO = primary market. Red herring = preliminary prospectus. Lock-up = insiders cant sell immediately. --- securities examprep financeexam sie series7</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WE0qhQeHJr2</video:player_loc>
      <video:duration>117</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-inflation-sie-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Inflation? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Inflation is the rate at which the general level of prices for goods and services rises over time, decreasing the purchasing power of money. Learn more about Inflation and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Inflation definition: https://www.open-exam-prep.com/glossary/inflation Exam Tip: Inflation erodes purchasing power. Fixed income suffers most. Fed targets 2% inflation. --- general examprep financeexam sie series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fJcgAjfIkyTR/Wo0HgBeWIb2_jRXhno.jpg</video:thumbnail_loc>
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      <video:duration>118</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-coinsurance-health-insurance-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Coinsurance (Health Insurance)? LIFE-HEALTH Exam Prep</video:title>
      <video:description>Coinsurance is a cost-sharing arrangement where the insured pays a percentage of covered medical expenses after the deductible is met, typically 20% with insurance paying 80%. Learn more about Coinsurance (Health Insurance) and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Coinsurance (Health Insurance) definition: https://www.open-exam-prep.com/glossary/coinsurance-health Exam Tip: 80/20 = insurance pays 80%, you pay 20%. Applies AFTER deductible is met. --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fJAMFj1ZQeLG/W-urNRLXIa2_wecYmJ.jpg</video:thumbnail_loc>
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      <video:duration>118</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-conversion-privilege-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Conversion Privilege? LIFE-HEALTH Exam Prep</video:title>
      <video:description>The conversion privilege is a policy provision allowing the policyholder to convert a term life insurance policy to a permanent life insurance policy without providing evidence of insurability (no medical exam required). Learn more about Conversion Privilege and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Conversion Privilege definition: https://www.open-exam-prep.com/glossary/conversion-privilege Exam Tip: Conversion = term to permanent WITHOUT medical exam. Valuable if health declines. Check conversion deadline! --- insurance examprep financeexam life-health</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to prioritize the recognition and prevention of critical postoperative complications such as venous thromboembolism (VTE) and hip dislocation. The key differences in nursing precautions for patients with anterior versus posterior surgical approaches to hip replacement. The nurses essential role in preoperative assessment, focusing on screening for infections and managing anticoagulant medications. How to apply principles of effective pain management, including the strategy of administering analgesics prior to physical therapy. Core patient education points for a successful recovery, including understanding weight-bearing status and identifying signs of infection that require reporting. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Complete NCLEX-PN exam study guide for 2026! Learn about the practical nursing exam format, all 8 content areas, and strategies to pass your LPN/LVN licensing exam. What youll learn: 00:00 - NCLEX-PN Overview 00:30 - Exam Format (85-205 questions) 01:00 - Key Differences from NCLEX-RN 01:30 - 8 Content Areas 02:00 - High-Yield Topics 02:30 - Study Tips &amp;amp; Free Resources FREE NCLEX-PN Practice: https://open-exam-prep.com/exams/nclex-pn Full Blog Guide: https://open-exam-prep.com/blog/nclex-pn-exam-guide-2026 Key Facts: - 85-205 questions (adaptive) - 5 hours maximum - Pass/Fail result - For LPN/LVN licensure NCLEXPN NCLEX LPN LVN PracticalNurse NursingExam ExamPrep 2026</video:description>
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      <video:description>An easement is a legal right to use another persons land for a specific purpose without owning it, such as a utility companys right to access power lines or a neighbors right to use a shared driveway. Learn more about Easement and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Easement definition: https://www.open-exam-prep.com/glossary/easement Exam Tip: Easement appurtenant = runs with land (transfers). Easement in gross = personal (utility companies). Know dominant vs. servient estate. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:description>An EPO is a managed care health insurance plan that requires members to use in-network providers for all non-emergency care, but unlike HMOs, does not require a primary care physician referral to see specialists. Learn more about EPO (Exclusive Provider Organization) and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary EPO (Exclusive Provider Organization) definition: https://www.open-exam-prep.com/glossary/epo Exam Tip: EPO = network required (like HMO) + no referrals (like PPO). No out-of-network coverage except emergencies. Lower premiums than PPO. --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
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      <video:description>Adverse possession is a legal doctrine that allows someone to claim ownership of land after occupying it openly, continuously, and without permission for a statutory period, typically ranging from 5 to 20 years depending on the state. Learn more about Adverse Possession and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Adverse Possession definition: https://www.open-exam-prep.com/glossary/adverse-possession Exam Tip: Remember OCEAN: Open, Continuous, Exclusive, Adverse, Notorious. Statutory period varies by state (5-20+ years). Cannot claim government land! --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:description>Blockbusting is an illegal practice where real estate agents induce homeowners to sell by exploiting fears about racial or ethnic groups moving into the neighborhood, then profit by reselling to minority buyers at inflated prices. Learn more about Blockbusting and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Blockbusting definition: https://www.open-exam-prep.com/glossary/blockbusting Exam Tip: Blockbusting = panic peddling = inducing sales through fear of demographic change. ILLEGAL under Fair Housing Act! --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>What is 401(k)? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>A 401(k) is an employer-sponsored retirement savings plan that allows employees to contribute pre-tax dollars, with potential employer matching, and tax-deferred growth until withdrawal. Learn more about 401(k) and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary 401(k) definition: https://www.open-exam-prep.com/glossary/401k Exam Tip: 401(k) is employer-sponsored. IRA is individual. Know the contribution limits! --- securities examprep financeexam sie series6 series7 series65 series66 Recommended Study Materials: Kaplan SIE License Exam Manual (4th Edition): https://www.amazon.com/dp/107884772X?tag=openexamprep-20 SIE Exam Prep 2025-2026 (510 Questions + 6 Full Exams): https://www.amazon.com/dp/B0CN252KP9?tag=openexamprep-20 SIE Exam Prep 2025-2026 with Audiobook Access: https://www.amazon.com/dp/1637758073?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:title>What is Declarations Page? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>A declarations page (dec page) is the first page of an insurance policy that summarizes essential coverage information including the named insured, policy number, coverage limits, deductibles, premiums, and effective dates. Learn more about Declarations Page and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Declarations Page definition: https://www.open-exam-prep.com/glossary/declarations-page Exam Tip: Declarations page = FIRST page with SUMMARY info. Contains: named insured, policy number, limits, deductibles, premium, dates. Does NOT contain exclusions or detailed terms! --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
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      <video:title>What is Exclusive Right to Sell Listing? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>An exclusive right to sell listing is a listing agreement where one broker has the exclusive right to sell the property and earns the commission regardless of who finds the buyer, including the seller. Learn more about Exclusive Right to Sell Listing and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Exclusive Right to Sell Listing definition: https://www.open-exam-prep.com/glossary/exclusive-right-to-sell-listing Exam Tip: Exclusive right to sell = agent gets commission NO MATTER WHO sells (even if seller finds buyer). Most common listing type. Must have expiration date. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>What is Deed of Trust? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A deed of trust is a security instrument used instead of a mortgage in some states, involving three parties: the borrower (trustor), lender (beneficiary), and neutral third party (trustee) who holds legal title until the loan is paid. Learn more about Deed of Trust and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Deed of Trust definition: https://www.open-exam-prep.com/glossary/deed-of-trust Exam Tip: Deed of trust = 3 parties (trustor/borrower, beneficiary/lender, trustee). Mortgage = 2 parties. Deed of trust uses non-judicial foreclosure (faster)! --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:title>What is Binder? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>A binder is a temporary insurance contract that provides immediate coverage until the formal policy is issued, typically valid for 30 to 90 days and containing the essential terms of the future policy. Learn more about Binder and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Binder definition: https://www.open-exam-prep.com/glossary/binder Exam Tip: Binder = TEMPORARY coverage until policy issued. Valid 30-90 days. P&amp;amp;C agents can issue oral or written binders. Terminates when policy is issued or declined! --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
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      <video:duration>120</video:duration>
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      <video:title>What is Investment Grade? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Investment grade refers to bonds rated BBB-/Baa3 or higher by credit rating agencies, indicating lower default risk and greater creditworthiness compared to high-yield (junk) bonds. Learn more about Investment Grade and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Investment Grade definition: https://www.open-exam-prep.com/glossary/investment-grade Exam Tip: Investment grade = BBB-/Baa3 and ABOVE. Below that = junk/high-yield. Know the dividing line! --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:title>What is Insurable Interest? LIFE-HEALTH, PROPERTY-CASUALTY Exam Prep</video:title>
      <video:description>Insurable interest is a legal requirement that the person purchasing insurance must have a financial stake in the insured person or property, ensuring they would suffer a genuine loss if the insured event occurs. Learn more about Insurable Interest and other key terms for your LIFE-HEALTH, PROPERTY-CASUALTY exam at Open Exam Prep. This term appears on: LIFE-HEALTH, PROPERTY-CASUALTY Full glossary: https://www.open-exam-prep.com/glossary Insurable Interest definition: https://www.open-exam-prep.com/glossary/insurable-interest Exam Tip: LIFE = insurable interest at APPLICATION. PROPERTY = insurable interest at LOSS. Spouses, parents, children = automatic interest. --- insurance examprep financeexam life-health property-casualty</video:description>
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      <video:title>What is Interest Rate Risk? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Interest rate risk is the potential for investment losses due to changes in interest rates, particularly affecting fixed-income securities like bonds whose prices fall when rates rise. Learn more about Interest Rate Risk and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Interest Rate Risk definition: https://www.open-exam-prep.com/glossary/interest-rate-risk Exam Tip: Rates UP = Bond prices DOWN. Longer duration = more interest rate risk. --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:title>What is HSA (Health Savings Account)? LIFE-HEALTH Exam Prep</video:title>
      <video:description>An HSA is a tax-advantaged savings account for individuals with high-deductible health plans, offering triple tax benefits: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Learn more about HSA (Health Savings Account) and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary HSA (Health Savings Account) definition: https://www.open-exam-prep.com/glossary/hsa Exam Tip: HSA = triple tax advantage. Requires HDHP. Funds roll over and are portable. --- insurance examprep financeexam life-health</video:description>
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      <video:duration>122</video:duration>
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    <video:video>
      <video:title>What is Duration? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Duration is a measure of a bonds price sensitivity to interest rate changes, expressed in years. A higher duration means greater price volatility when interest rates change. Learn more about Duration and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Duration definition: https://www.open-exam-prep.com/glossary/duration Exam Tip: Duration = interest rate sensitivity. Higher duration = more risk. Zero coupon: duration = maturity. Rates up 1% = price down by duration %. --- securities examprep financeexam sie series7 series65 series66</video:description>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-fair-housing-act-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Fair Housing Act? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>The Fair Housing Act is a federal law that prohibits discrimination in housing based on race, color, religion, national origin, sex, familial status, and disability. Learn more about Fair Housing Act and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Fair Housing Act definition: https://www.open-exam-prep.com/glossary/fair-housing-act Exam Tip: Know all 7 protected classes. Steering and blockbusting are illegal. Mrs. Murphy exemption = 4 or fewer units. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/H5sEAzvRkevd/qUvHMkKHJG2_tjTcDm.jpg</video:thumbnail_loc>
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      <video:duration>123</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-extended-term-insurance-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Extended Term Insurance? LIFE-HEALTH Exam Prep</video:title>
      <video:description>Extended term insurance is a nonforfeiture option that uses the cash value of a permanent life insurance policy to purchase paid-up term insurance for the same face amount, lasting as long as the cash value allows. Learn more about Extended Term Insurance and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Extended Term Insurance definition: https://www.open-exam-prep.com/glossary/extended-term-insurance Exam Tip: Extended term = SAME face amount for LIMITED time. Reduced paid-up = REDUCED face amount for LIFETIME. Know the difference! --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cTwUln07Vmwj/qFuGgALbcG2_ZZYpBH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/cTwUln07Vmwj/1774759101/index.m3u8</video:content_loc>
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      <video:duration>123</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-current-yield-sie-series7-exam-prep</loc>
    <video:video>
      <video:title>What is Current Yield? SIE, SERIES7 Exam Prep</video:title>
      <video:description>Current yield is a bonds annual interest payment divided by its current market price, expressing the income return as a percentage without accounting for capital gains or losses. Learn more about Current Yield and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Current Yield definition: https://www.open-exam-prep.com/glossary/current-yield Exam Tip: Current Yield = Annual Interest divided by Market Price. At discount: Coupon less than CY less than YTM. At premium: Coupon greater than CY greater than YTM. --- securities examprep financeexam sie series7</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/aPcsApqJle3j/qFurgkfacH2_gBFglX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/aPcsApqJle3j/1774759101/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qFurgkfacH2</video:player_loc>
      <video:duration>122</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-comparables-comps-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Comparables (Comps)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Comparables (comps) are recently sold properties similar to a subject property in location, size, features, and condition, used by appraisers and agents to estimate market value. Learn more about Comparables (Comps) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Comparables (Comps) definition: https://www.open-exam-prep.com/glossary/comparables Exam Tip: Adjust the COMP, not the subject. Comp Better = Subtract (CBS). Comp Inferior = Add. Use recent sales within 3-6 months. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/d6k-olrQUCCi/WF1ahBeacW2_tmnceR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/d6k-olrQUCCi/1774759100/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WF1ahBeacW2</video:player_loc>
      <video:duration>123</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-adverse-selection-life-health-insurance-property-casualty-insurance-exam-prep</loc>
    <video:video>
      <video:title>What is Adverse Selection? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>Adverse selection is an insurance phenomenon where higher-risk individuals are more likely to purchase insurance than lower-risk individuals, creating an imbalanced risk pool that can lead to increased premiums and potential market instability. Learn more about Adverse Selection and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Adverse Selection definition: https://www.open-exam-prep.com/glossary/adverse-selection Exam Tip: Adverse selection = PRE-contract problem. Higher-risk individuals seek insurance more. Underwriting and risk classification are key defenses. Moral hazard = POST-contract behavior change! --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/M5AQtnbYVm3j/W_vWgRLqcX2_ndQIKQ.jpg</video:thumbnail_loc>
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      <video:duration>120</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-tila-truth-in-lending-act-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is TILA (Truth in Lending Act)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>TILA is a federal law that requires lenders to disclose key loan terms and costs to borrowers in a standardized format, including the APR, finance charges, and total payments, enabling consumers to compare credit offers. Learn more about TILA (Truth in Lending Act) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary TILA (Truth in Lending Act) definition: https://www.open-exam-prep.com/glossary/tila Exam Tip: TILA = Truth in Lending. APR is the key disclosure. 3-day rescission for refinances/HELOCs (NOT purchase loans). Helps consumers compare credit. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Ias-xj9kJqFl/r-1GMAercG2_IlznQo.jpg</video:thumbnail_loc>
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      <video:duration>123</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-long-term-care-insurance-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Long-Term Care Insurance? LIFE-HEALTH Exam Prep</video:title>
      <video:description>Long-term care insurance is coverage that pays for extended care services not covered by health insurance or Medicare, including nursing home care, assisted living, and in-home care. Learn more about Long-Term Care Insurance and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Long-Term Care Insurance definition: https://www.open-exam-prep.com/glossary/long-term-care-insurance Exam Tip: LTC triggers: cant do 2 of 6 ADLs OR cognitive impairment. Medicare does NOT cover LTC. --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cucIsnndduxP/rUvqN6KacH2_aWlhEn.jpg</video:thumbnail_loc>
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      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
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    <video:video>
      <video:title>What is Fee Simple? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Fee simple (also called fee simple absolute) is the most complete form of property ownership, granting the owner full bundle of rights including the right to use, sell, lease, or bequeath the property without restrictions, with ownership lasting indefinitely and passing to heirs. Learn more about Fee Simple and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Fee Simple definition: https://www.open-exam-prep.com/glossary/fee-simple Exam Tip: Fee simple = MOST COMPLETE ownership. Full bundle of rights: possession, control, enjoyment, exclusion, disposition. Fee simple absolute has NO conditions fee simple defeasible HAS conditions. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/hqwclF4tNe-d/XU1rM6eqcG2_qKHsCe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/hqwclF4tNe-d/1774759236/index.m3u8</video:content_loc>
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      <video:duration>123</video:duration>
    </video:video>
  </url>
  <url>
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    <video:video>
      <video:title>What is Conventional Loan? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A conventional loan is a mortgage not insured or guaranteed by a government agency (unlike FHA, VA, or USDA loans), typically requiring a 20% down payment to avoid private mortgage insurance (PMI). Learn more about Conventional Loan and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Conventional Loan definition: https://www.open-exam-prep.com/glossary/conventional-loan Exam Tip: Conventional = NOT government-backed. PMI required if less than 20% down. PMI can be removed at 20% equity. FHA MIP stays for life of loan! --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/MuoEozStcmER/XU1Xg6KbcH2_gIwiMc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/MuoEozStcmER/1774759236/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XU1Xg6KbcH2</video:player_loc>
      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-amortization-real-estate-salesperson-sie-exam-prep</loc>
    <video:video>
      <video:title>What is Amortization? REAL-ESTATE-SALESPERSON, SIE Exam Prep</video:title>
      <video:description>Amortization is the process of spreading loan payments over time in regular installments, with each payment covering both principal and interest, gradually reducing the loan balance to zero. Learn more about Amortization and other key terms for your REAL-ESTATE-SALESPERSON, SIE exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON, SIE Full glossary: https://www.open-exam-prep.com/glossary Amortization definition: https://www.open-exam-prep.com/glossary/amortization Exam Tip: Early payments are mostly interest, later payments are mostly principal. Know the amortization schedule concept. --- real-estate examprep financeexam real-estate-salesperson sie</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gcsctn4sMu0Q/XouqhkeXdG2_AmDMlk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gcsctn4sMu0Q/1774759241/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XouqhkeXdG2</video:player_loc>
      <video:duration>120</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nclex-rn-exam-2026-complete-study-guide-pass-your-nursing-board-exam-free</loc>
    <video:video>
      <video:title>NCLEX-RN Exam 2026: Complete Study Guide - Pass Your Nursing Board Exam (FREE)</video:title>
      <video:description>Complete NCLEX-RN exam study guide for 2026! Learn about Next Generation NCLEX (NGN), Clinical Judgment Model, all 8 content areas, and strategies to pass your RN licensing exam. What youll learn: 00:00 - NCLEX-RN Overview 00:30 - Exam Format (CAT Adaptive Testing) 01:00 - Next Generation NCLEX (NGN) 01:30 - 8 Content Areas 02:00 - Clinical Judgment Model 02:30 - Study Tips &amp;amp; Free Resources FREE NCLEX-RN Practice: https://open-exam-prep.com/exams/nclex-rn Full Blog Guide: https://open-exam-prep.com/blog/nclex-rn-exam-guide-2026 Key Facts: - 85-150 questions (adaptive) - 5 hours maximum - Pass/Fail result - Includes Next Generation NCLEX items NCLEXRN NCLEX NursingExam RegisteredNurse NGN NCSBN ExamPrep 2026</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/dXhghnPlgeKj/X_1bg7ebcG2_jdGohL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/dXhghnPlgeKj/1774759371/index.m3u8</video:content_loc>
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      <video:duration>124</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-twisting-life-health-property-casualty-exam-prep</loc>
    <video:video>
      <video:title>What is Twisting? LIFE-HEALTH, PROPERTY-CASUALTY Exam Prep</video:title>
      <video:description>Twisting is an illegal insurance practice where an agent induces a policyholder to replace an existing policy with a new one through misrepresentation or incomplete comparison, often to generate new commission. Learn more about Twisting and other key terms for your LIFE-HEALTH, PROPERTY-CASUALTY exam at Open Exam Prep. This term appears on: LIFE-HEALTH, PROPERTY-CASUALTY Full glossary: https://www.open-exam-prep.com/glossary Twisting definition: https://www.open-exam-prep.com/glossary/twisting Exam Tip: Twisting = misrepresenting to replace coverage. Churning = same thing but with own companys policies. Both are ILLEGAL. --- insurance examprep financeexam life-health property-casualty</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KXFsklCtgqUG/rVvXhBLacH2_nrihUM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KXFsklCtgqUG/1774759371/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rVvXhBLacH2</video:player_loc>
      <video:duration>125</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-closing-real-estate-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Closing (Real Estate)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Closing is the final step in a real estate transaction where ownership transfers from seller to buyer, documents are signed, funds are exchanged, and the deed is recorded. Learn more about Closing (Real Estate) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Closing (Real Estate) definition: https://www.open-exam-prep.com/glossary/closing Exam Tip: Closing Disclosure must be received 3 BUSINESS DAYS before closing. Compare to Loan Estimate. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/GXhgozSdNypi/rp0WhBfXcG2_qkhusi.jpg</video:thumbnail_loc>
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      <video:duration>123</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-beta-sie-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Beta? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Beta is a measure of a securitys volatility relative to the overall market, where a beta of 1.0 means the security moves with the market, above 1.0 means more volatile, and below 1.0 means less volatile. Learn more about Beta and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Beta definition: https://www.open-exam-prep.com/glossary/beta Exam Tip: Beta = 1 means same volatility as market. Greater than 1 = more volatile. Less than 1 = less volatile. --- securities examprep financeexam sie series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/aXFIpj5dJeNc/XFuXNReWcH2_HMjhyU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/aXFIpj5dJeNc/1774759376/index.m3u8</video:content_loc>
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      <video:duration>123</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-accelerated-death-benefit-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Accelerated Death Benefit? LIFE-HEALTH Exam Prep</video:title>
      <video:description>An accelerated death benefit is a life insurance policy provision that allows terminally ill policyholders to receive a portion of their death benefit while still living, typically when diagnosed with a terminal illness with 12-24 months to live. Learn more about Accelerated Death Benefit and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Accelerated Death Benefit definition: https://www.open-exam-prep.com/glossary/accelerated-death-benefit Exam Tip: ADB = living benefit for terminal illness. Usually 50-80% of death benefit. Tax-free if terminally ill. Reduces death benefit! --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JLhEkjOAcCSR/XV0HhQKWcW2_XGkjUC.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XV0HhQKWcW2</video:player_loc>
      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-treasury-securities-sie-series6-series7-exam-prep</loc>
    <video:video>
      <video:title>What is Treasury Securities? SIE, SERIES6, SERIES7 Exam Prep</video:title>
      <video:description>Treasury securities are debt instruments issued by the U.S. government to finance operations, considered the safest investments due to being backed by the full faith and credit of the U.S. Learn more about Treasury Securities and other key terms for your SIE, SERIES6, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Treasury Securities definition: https://www.open-exam-prep.com/glossary/treasury-securities Exam Tip: T-Bills = discount, no coupon. T-Notes/Bonds = semiannual coupon. All are state/local tax exempt. --- securities examprep financeexam sie series6 series7</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fchgcj9kleNI/yE0bNAeWdq2_BwWvim.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yE0bNAeWdq2</video:player_loc>
      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-incontestability-clause-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Incontestability Clause? LIFE-HEALTH Exam Prep</video:title>
      <video:description>The incontestability clause is a life insurance policy provision stating that after a specified period (usually 2 years), the insurer cannot contest or void the policy based on material misrepresentation in the application, except for fraud. Learn more about Incontestability Clause and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Incontestability Clause definition: https://www.open-exam-prep.com/glossary/incontestability-clause Exam Tip: Incontestability = after 2 years, insurer CANNOT deny claims for misrepresentation. FRAUD is the exceptioncan always be contested! --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/daxIBjysUmmd/youHgBKHcb2_KtwoKF.jpg</video:thumbnail_loc>
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      <video:duration>125</video:duration>
    </video:video>
  </url>
  <url>
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    <video:video>
      <video:title>What is Hazard? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>A hazard is a condition or circumstance that increases the likelihood or potential severity of a loss occurring from a particular peril, classified as physical, moral, or morale hazards. Learn more about Hazard and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Hazard definition: https://www.open-exam-prep.com/glossary/hazard Exam Tip: Hazard = increases CHANCE of loss. Physical = tangible conditions. Moral = dishonesty/fraud. Morale = carelessness due to having insurance. Peril = actual cause of loss. --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/eHk-tzPBVyoa/youHN7KXdq2_qkRoKu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/eHk-tzPBVyoa/1774759631/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=youHN7KXdq2</video:player_loc>
      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-indemnity-life-health-insurance-property-casualty-insurance-exam-prep</loc>
    <video:video>
      <video:title>What is Indemnity? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>Indemnity is a fundamental insurance principle stating that an insured should be restored to the same financial position they were in immediately before a loss occurred, receiving compensation equal to the actual loss without profit or gain. Learn more about Indemnity and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Indemnity definition: https://www.open-exam-prep.com/glossary/indemnity Exam Tip: Indemnity = restore to PRE-LOSS position, no profit. ACV = Replacement Cost - Depreciation. Life insurance is EXCEPTION (valued policy). Subrogation supports indemnity principle. --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cLAMwnncVupR/yovWgReGdr2_bgksKj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/cLAMwnncVupR/1774759632/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yovWgReGdr2</video:player_loc>
      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-endorsement-life-health-insurance-property-casualty-insurance-exam-prep</loc>
    <video:video>
      <video:title>What is Endorsement? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>An endorsement (also called a rider) is a written amendment attached to an insurance policy that modifies, adds, or removes coverage from the original policy terms. Learn more about Endorsement and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Endorsement definition: https://www.open-exam-prep.com/glossary/endorsement Exam Tip: Endorsement = written modification to policy. Overrides conflicting base policy terms. Called rider in life/health. Can add, remove, or modify coverage. --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/H1AMxnntVmpI/yo1qNALHcq2_OSLvlQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/H1AMxnntVmpI/1774759632/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yo1qNALHcq2</video:player_loc>
      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-life-estate-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Life Estate? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A life estate is a freehold ownership interest in real property that lasts only for the lifetime of a designated person (the life tenant), after which the property passes to another party. Learn more about Life Estate and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Life Estate definition: https://www.open-exam-prep.com/glossary/life-estate Exam Tip: Life estate lasts for someones LIFETIME. Life tenant cannot commit waste. Remainderman gets property automatically at death. Pur autre vie = measured by anothers life. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KZsAgBzBUenk/yV1Gh7fHda2_EjhZxX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KZsAgBzBUenk/1774759641/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yV1Gh7fHda2</video:player_loc>
      <video:duration>125</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-index-fund-sie-series6-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Index Fund? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>An index fund is a mutual fund or ETF designed to track the performance of a specific market index (like the S&amp;amp;P 500) by holding the same securities in the same proportions, offering broad diversification with low fees. Learn more about Index Fund and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Index Fund definition: https://www.open-exam-prep.com/glossary/index-fund Exam Tip: Index funds = PASSIVE management, LOW fees, track a BENCHMARK. Most active managers fail to beat indexes long-term. --- securities examprep financeexam sie series6 series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bJsUsnzcQCnd/ypvGN6LHcr2_pcKZwx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bJsUsnzcQCnd/1774759642/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ypvGN6LHcr2</video:player_loc>
      <video:duration>126</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-disability-insurance-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Disability Insurance? LIFE-HEALTH Exam Prep</video:title>
      <video:description>Disability insurance provides income replacement when a policyholder cannot work due to illness or injury, typically paying 60-70% of pre-disability income after an elimination period. Learn more about Disability Insurance and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Disability Insurance definition: https://www.open-exam-prep.com/glossary/disability-insurance Exam Tip: Own occupation = best definition. 60-70% of income typical. Longer elimination period = lower premium. Individual = tax-free benefits! --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LJwMcFOcVuhj/4F1XNQeWcb2_SYGGzS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LJwMcFOcVuhj/1774759641/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4F1XNQeWcb2</video:player_loc>
      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-contestability-period-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Contestability Period? LIFE-HEALTH Exam Prep</video:title>
      <video:description>The contestability period is typically the first two years of a life insurance policy during which the insurer can investigate and deny claims based on material misrepresentation or fraud in the application. Learn more about Contestability Period and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Contestability Period definition: https://www.open-exam-prep.com/glossary/contestability-period Exam Tip: Contestability = first 2 years, insurer can investigate. After 2 years = incontestable (except fraud). Suicide clause is separate! --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/GXwEpBSBoiUR/y_vXMQLGdr2_CFGsHE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/GXwEpBSBoiUR/1774759631/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y_vXMQLGdr2</video:player_loc>
      <video:duration>125</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-adr-american-depositary-receipt-sie-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is ADR (American Depositary Receipt)? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>An ADR is a certificate issued by a U.S. bank representing shares in a foreign company, allowing American investors to buy foreign stocks on U.S. exchanges in U.S. dollars without dealing with foreign exchanges or currencies. Learn more about ADR (American Depositary Receipt) and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary ADR (American Depositary Receipt) definition: https://www.open-exam-prep.com/glossary/adr Exam Tip: ADR = foreign stock on U.S. exchange in USD. Level I = OTC. Levels II/III = major exchanges. Currency risk still applies! --- securities examprep financeexam sie series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/HJkgAjmklyLl/4V0WMlLbJq2_jBgLNu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/HJkgAjmklyLl/1774759642/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4V0WMlLbJq2</video:player_loc>
      <video:duration>124</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-quiet-title-action-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Quiet Title Action? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A quiet title action is a lawsuit filed to establish ownership of real property and remove any clouds, claims, or disputes affecting the title, resulting in a court judgment that quiets all challenges to ownership. Learn more about Quiet Title Action and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Quiet Title Action definition: https://www.open-exam-prep.com/glossary/quiet-title-action Exam Tip: Quiet title action = court lawsuit to REMOVE clouds and ESTABLISH clear ownership. Results in court judgment on title. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fooggpOdcaTk/5U0WNkeaJb2_YxnaaD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fooggpOdcaTk/1774759702/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5U0WNkeaJb2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-promissory-note-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Promissory Note? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A promissory note is the borrowers written promise to repay a loan, containing the loan terms including principal amount, interest rate, payment schedule, and maturity date. It is the IOU document that creates the debt obligation, separate from the mortgage or deed of trust that secures the loan with property. Learn more about Promissory Note and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Promissory Note definition: https://www.open-exam-prep.com/glossary/promissory-note Exam Tip: Promissory note = the IOU, creates debt obligation. Mortgage/Deed of Trust = security instrument, creates lien. Note is NOT recorded security instrument IS recorded. Maker = borrower, Payee = lender. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/IFpwkn4kgm9i/5U0qMlLqIa2_WLGIKr.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/IFpwkn4kgm9i/1774759832/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5U0qMlLqIa2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-dollar-cost-averaging-sie-series6-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Dollar-Cost Averaging? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Dollar-cost averaging is an investment strategy of investing a fixed dollar amount at regular intervals regardless of price, reducing the impact of volatility over time. Learn more about Dollar-Cost Averaging and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Dollar-Cost Averaging definition: https://www.open-exam-prep.com/glossary/dollar-cost-averaging Exam Tip: DCA = fixed DOLLARS, varying shares. Reduces average cost in volatile markets. --- general examprep financeexam sie series6 series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/azlwpFjthm-l/5E0bglebIb2_HVCLHJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/azlwpFjthm-l/1774759832/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5E0bglebIb2</video:player_loc>
      <video:duration>126</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-commingling-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Commingling? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Commingling is the illegal practice of mixing client funds with personal or business funds, violating fiduciary duties and real estate licensing laws that require separate trust/escrow accounts. Learn more about Commingling and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Commingling definition: https://www.open-exam-prep.com/glossary/commingling Exam Tip: Commingling = MIXING client funds with personal/business funds. ILLEGAL! Must use separate trust/escrow account. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LFlwtnPkhCuP/zouXN6eaIq2_yPwaFy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LFlwtnPkhCuP/1774759832/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zouXN6eaIq2</video:player_loc>
      <video:duration>125</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-accretion-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Accretion? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Accretion is the gradual and imperceptible addition of land to a property through natural deposits of soil, sand, or sediment by water action, with the new land becoming the property of the landowner. Learn more about Accretion and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Accretion definition: https://www.open-exam-prep.com/glossary/accretion Exam Tip: Accretion = GRADUAL land gain from deposits. Avulsion = SUDDEN land change. Reliction = land gain from water RECEDING. Owner keeps accreted land! --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/cphYhFmBgCwk/zU1qNAfbIb2_WonizH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/cphYhFmBgCwk/1774759833/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zU1qNAfbIb2</video:player_loc>
      <video:duration>126</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-64-acute-kidney-injury</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 64, Acute Kidney Injury</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate between prerenal, intrarenal, and postrenal causes of acute kidney injury. The significance of the BUN to creatinine ratio in identifying the type of kidney injury. Key risks of each AKI phase, such as hyperkalemia in the oliguric phase and hypovolemia in the diuretic phase. Priority nursing interventions, including the critical importance of daily weights for fluid status monitoring. The A-E-I-O-U mnemonic for recalling the primary indications for emergency dialysis. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/eppcBjSkNy8j/zV0rN6LGcq2_JFTFJg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/eppcBjSkNy8j/1774759845/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zV0rN6LGcq2</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-70-conventional-loans-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 70, Conventional Loans Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam real estate exam. In this episode you will learn: Conventional loans are private transactions not insured or guaranteed by the government. Conforming loans must adhere to Fannie Mae and Freddie Mac underwriting standards. Private Mortgage Insurance is mandatory for any loan where the LTV exceeds 80 percent. PMI is designed specifically to protect the lender rather than the borrower. Lenders use standard debt-to-income ratios of 28 percent and 36 percent for qualification. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/elh6dp4BcivI/5F1Gh6fHcb2_HKhAFQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/elh6dp4BcivI/1774759849/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5F1Gh6fHcb2</video:player_loc>
      <video:duration>282</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-rebating-life-health-property-casualty-exam-prep</loc>
    <video:video>
      <video:title>What is Rebating? LIFE-HEALTH, PROPERTY-CASUALTY Exam Prep</video:title>
      <video:description>Rebating is an illegal insurance practice where an agent offers part of their commission or other inducements to a prospect as an incentive to purchase a policy, violating state insurance laws designed to ensure fair competition. Learn more about Rebating and other key terms for your LIFE-HEALTH, PROPERTY-CASUALTY exam at Open Exam Prep. This term appears on: LIFE-HEALTH, PROPERTY-CASUALTY Full glossary: https://www.open-exam-prep.com/glossary Rebating definition: https://www.open-exam-prep.com/glossary/rebating Exam Tip: Rebating = giving back part of commission or gifts to get the sale. ILLEGAL in most states! Florida is an exception. --- insurance examprep financeexam life-health property-casualty</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/L4tYED5kIa0l/zp1WglLbJq2_xLRWkW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/L4tYED5kIa0l/1774759968/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zp1WglLbJq2</video:player_loc>
      <video:duration>128</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-guaranteed-insurability-rider-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Guaranteed Insurability Rider? LIFE-HEALTH Exam Prep</video:title>
      <video:description>A guaranteed insurability rider allows the policyholder to purchase additional life insurance at specified future dates or events without providing evidence of insurability (no medical exam required), regardless of changes in health. Learn more about Guaranteed Insurability Rider and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Guaranteed Insurability Rider definition: https://www.open-exam-prep.com/glossary/guaranteed-insurability Exam Tip: Guaranteed insurability = buy MORE coverage later WITHOUT health exam. Valuable if health may decline. Usually ends around age 40-45. --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/e6dIpj4dNiDk/zp1Wh7KbIa2_cnqehx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/e6dIpj4dNiDk/1774759973/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zp1Wh7KbIa2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-day-trading-sie-series7-exam-prep</loc>
    <video:video>
      <video:title>What is Day Trading? SIE, SERIES7 Exam Prep</video:title>
      <video:description>Day trading is the practice of buying and selling securities within the same trading day, closing all positions before the market closes to avoid overnight risk and leverage requirements. Learn more about Day Trading and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Day Trading definition: https://www.open-exam-prep.com/glossary/day-trading Exam Tip: PDT = 4+ day trades in 5 days. Requires 25,000 minimum. Day trading buying power = 4x equity. Know the PDT rules! --- securities examprep financeexam sie series7</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fQt-gl4ccCvR/5p1bg7LqIr2_pEvTCN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fQt-gl4ccCvR/1774759968/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5p1bg7LqIr2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-convertible-bond-sie-series7-exam-prep</loc>
    <video:video>
      <video:title>What is Convertible Bond? SIE, SERIES7 Exam Prep</video:title>
      <video:description>A convertible bond is a corporate bond that can be converted into a predetermined number of the companys common stock shares, offering both fixed income and equity upside potential. Learn more about Convertible Bond and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Convertible Bond definition: https://www.open-exam-prep.com/glossary/convertible-bond Exam Tip: Convertible = lower yield than regular bonds. Conversion Ratio = Par divided by Conversion Price. Convert when stock greater than conversion price. --- securities examprep financeexam sie series7</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KOlQFlTAgiDa/5_0agkLHIq2_ubsroe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KOlQFlTAgiDa/1774759967/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5_0agkLHIq2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-abstract-of-title-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Abstract of Title? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>An abstract of title is a condensed history of all recorded documents affecting a propertys ownership, including deeds, mortgages, liens, and other encumbrances, used to verify clear title before a real estate transaction. Learn more about Abstract of Title and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Abstract of Title definition: https://www.open-exam-prep.com/glossary/abstract-of-title Exam Tip: Abstract = condensed HISTORY of all recorded documents. Chain of title = sequential OWNERSHIP history. Both help verify clear title. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bQd6dBOAIqvI/5p0ah6LXIb2_wmniUh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bQd6dBOAIqvI/1774759968/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5p0ah6LXIb2</video:player_loc>
      <video:duration>126</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-junk-bond-high-yield-bond-sie-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Junk Bond (High-Yield Bond)? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>A junk bond is a corporate bond rated below investment grade (BB+/Ba1 or lower) that offers higher interest rates to compensate investors for the increased risk of default. Learn more about Junk Bond (High-Yield Bond) and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Junk Bond (High-Yield Bond) definition: https://www.open-exam-prep.com/glossary/junk-bond Exam Tip: Junk = BB+/Ba1 and BELOW (below investment grade). Higher yield compensates for higher default risk. Also called high-yield bonds. --- securities examprep financeexam sie series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/IpAstDTkpqFj/4U1XMBLrIH2_VjtFrG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/IpAstDTkpqFj/1774760098/index.m3u8</video:content_loc>
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      <video:duration>129</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-dual-agency-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Dual Agency? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Dual agency occurs when a single real estate agent or brokerage represents both the buyer and seller in the same transaction, creating a potential conflict of interest that requires disclosure and consent. Learn more about Dual Agency and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Dual Agency definition: https://www.open-exam-prep.com/glossary/dual-agency Exam Tip: Dual agency = same agent represents BOTH parties. Requires written consent. Creates conflict of interest. Some states prohibit it entirely. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/N6scojCtlaDl/yo1rN6LaIW2_fmaazs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/N6scojCtlaDl/1774760229/index.m3u8</video:content_loc>
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      <video:duration>128</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-disability-insurance-life-health-exam-prep-2</loc>
    <video:video>
      <video:title>What is Disability Insurance? LIFE-HEALTH Exam Prep</video:title>
      <video:description>Disability insurance provides income replacement when a policyholder cannot work due to illness or injury, typically paying 60-70% of pre-disability income after an elimination period. Learn more about Disability Insurance and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Disability Insurance definition: https://www.open-exam-prep.com/glossary/disability-insurance Exam Tip: Own occupation = best definition. 60-70% of income typical. Longer elimination period = lower premium. Individual = tax-free benefits! --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gUE2FjSspqwc/4VvHhQLqdH2_KkfZRC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gUE2FjSspqwc/1774760228/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4VvHhQLqdH2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
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  <url>
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    <video:video>
      <video:title>What is Churning? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Churning is the illegal practice of excessive trading in a customers account by a broker primarily to generate commissions, without regard to the customers investment objectives. Learn more about Churning and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Churning definition: https://www.open-exam-prep.com/glossary/churning Exam Tip: Churning = excessive trading for commissions. Requires: control + excessive trading + intent. Turnover ratio over 6x = red flag. --- securities examprep financeexam sie series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/f6AIllDdoaxk/yVuWhRKWcX2_cotagj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/f6AIllDdoaxk/1774760239/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yVuWhRKWcX2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-avulsion-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Avulsion? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Avulsion is the sudden and perceptible loss or addition of land caused by the action of water, such as a flood or change in a rivers course, where the original owner retains title to the displaced land. Learn more about Avulsion and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Avulsion definition: https://www.open-exam-prep.com/glossary/avulsion Exam Tip: Avulsion = SUDDEN change (original owner keeps rights). Accretion = GRADUAL change (new owner gains land). This is a common exam distinction! --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/g-AApBDsle-R/y_0bgRfHcG2_QAkWdM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/g-AApBDsle-R/1774760239/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y_0bgRfHcG2</video:player_loc>
      <video:duration>127</video:duration>
    </video:video>
  </url>
  <url>
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    <video:video>
      <video:title>What is Transaction Broker? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A transaction broker is a real estate licensee who facilitates a transaction between buyer and seller without representing either party as an agent, providing limited services while maintaining neutrality. Learn more about Transaction Broker and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Transaction Broker definition: https://www.open-exam-prep.com/glossary/transaction-broker Exam Tip: Transaction broker = NO representation, neutral facilitator. Cannot advocate or share confidential info. Different from dual agency (represents both). --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/G9E2hD8dQu3G/y_vagkeqJW2_WVwlZM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/G9E2hD8dQu3G/1774760239/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y_vagkeqJW2</video:player_loc>
      <video:duration>130</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-ppo-preferred-provider-organization-insurance-exam-prep</loc>
    <video:video>
      <video:title>What is PPO (Preferred Provider Organization)? Insurance Exam Prep</video:title>
      <video:description>A PPO (Preferred Provider Organization) is a health insurance plan that offers a network of preferred providers with lower costs, while allowing members to see any provider without referrals, including out-of-network doctors at higher out-of-pocket costs. Learn more about PPO (Preferred Provider Organization) and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary PPO (Preferred Provider Organization) definition: https://www.open-exam-prep.com/glossary/ppo-preferred-provider-organization Exam Tip: PPO = most flexibility, highest premiums. NO PCP required, NO referrals needed. Can see ANY provider. In-network costs less than out-of-network. Most common plan type (46% of employer plans). --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/b-cwpDndRi0j/4VvGMReqIW2_oWUbig.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/b-cwpDndRi0j/1774760228/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4VvGMReqIW2</video:player_loc>
      <video:duration>131</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-insider-trading-sie-series7-series63-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Insider Trading? SIE, SERIES7, SERIES63, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Insider trading is the illegal practice of buying or selling securities based on material, non-public information, or tipping others to trade on such information. It violates securities laws and can result in civil and criminal penalties. Learn more about Insider Trading and other key terms for your SIE, SERIES7, SERIES63, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES63, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Insider Trading definition: https://www.open-exam-prep.com/glossary/insider-trading Exam Tip: Insider trading = trading on MATERIAL, NON-PUBLIC info. Both tipper AND tippee liable. Criminal penalties up to 20 years! --- securities examprep financeexam sie series7 series63 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LUoYkpjtRiFR/4_1GhQfWIH2_cCANTx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LUoYkpjtRiFR/1774760239/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4_1GhQfWIH2</video:player_loc>
      <video:duration>129</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-encumbrance-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Encumbrance? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>An encumbrance is any claim, lien, charge, or liability attached to real property that may diminish its value or burden its title, but does not necessarily prevent transfer of ownership. Learn more about Encumbrance and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Encumbrance definition: https://www.open-exam-prep.com/glossary/encumbrance Exam Tip: Encumbrance = ANY claim on property (liens, easements, restrictions). Lien = MONETARY encumbrance only. Both run with the land. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ePcEdlTkpCFj/4FvGM7KXJG2_GfEQbw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ePcEdlTkpCFj/1774760244/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4FvGM7KXJG2</video:player_loc>
      <video:duration>129</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-chain-of-title-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Chain of Title? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Chain of title is the complete, sequential history of all transfers of property ownership from the original owner to the present owner, used to verify clear and marketable title. Learn more about Chain of Title and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Chain of Title definition: https://www.open-exam-prep.com/glossary/chain-of-title Exam Tip: Chain of title = sequential OWNERSHIP history. Must be unbroken for clear title. Different from abstract (which includes ALL recorded documents). --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/G-oUEnykoi1H/4VvXM6eGIW2_MAhyhZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/G-oUEnykoi1H/1774760229/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4VvXM6eGIW2</video:player_loc>
      <video:duration>129</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-investment-adviser-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Investment Adviser? SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>An investment adviser is a person or firm that provides advice about securities for compensation, regulated by the SEC (if managing 100M+) or state regulators, and held to a fiduciary standard. Learn more about Investment Adviser and other key terms for your SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Investment Adviser definition: https://www.open-exam-prep.com/glossary/investment-adviser Exam Tip: IA = fiduciary standard. 100M+ = SEC registration. Form ADV = disclosure document. --- general examprep financeexam series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/HqkExFSQcm9Q/z-vWMAKXJG2_TniPtl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/HqkExFSQcm9Q/1774760373/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z-vWMAKXJG2</video:player_loc>
      <video:duration>132</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-leasehold-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Leasehold? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A leasehold is an interest in real property held by a tenant under a lease agreement, granting the right to possess and use the property for a specified period while ownership remains with the landlord (lessor), making it a nonfreehold estate that is less than full ownership. Learn more about Leasehold and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Leasehold definition: https://www.open-exam-prep.com/glossary/leasehold Exam Tip: Leasehold = possession without ownership (nonfreehold). 4 types: Estate for Years (fixed term), Periodic (auto-renews), At Will (no fixed term), At Sufferance (holdover). Estate for Years ends automatically Periodic Tenancy requires notice. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/NhFIBni6MeeJ/5-vGg7LWIH2_XamOPM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/NhFIBni6MeeJ/1774760373/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5-vGg7LWIH2</video:player_loc>
      <video:duration>132</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-hedge-fund-sie-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Hedge Fund? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>A hedge fund is a private investment partnership using sophisticated strategies like leverage, short selling, and derivatives to generate returns for accredited investors, typically with high minimum investments and limited liquidity. Learn more about Hedge Fund and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Hedge Fund definition: https://www.open-exam-prep.com/glossary/hedge-fund Exam Tip: Hedge funds = accredited investors only. 2 and 20 = 2% management + 20% performance. Can use leverage and short selling. --- securities examprep financeexam sie series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/duE2czORgeFj/5o1XhBeWJW2_txKBJp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/duE2czORgeFj/1774760372/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5o1XhBeWJW2</video:player_loc>
      <video:duration>131</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-fiduciary-standard-sie-series7-series65-exam-prep</loc>
    <video:video>
      <video:title>What is Fiduciary Standard? SIE, SERIES7, SERIES65 Exam Prep</video:title>
      <video:description>The fiduciary standard is the highest legal standard of care in financial services, requiring advisers to act in their clients BEST interest at all times, not merely recommend suitable investments. It applies to Registered Investment Advisers (RIAs) under the Investment Advisers Act of 1940. Learn more about Fiduciary Standard and other key terms for your SIE, SERIES7, SERIES65 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65 Full glossary: https://www.open-exam-prep.com/glossary Fiduciary Standard definition: https://www.open-exam-prep.com/glossary/fiduciary-standard Exam Tip: Fiduciary = BEST interest (highest standard). Suitability = suitable (lower). RIAs are ALWAYS fiduciaries. Reg BI enhanced broker-dealer standard but is NOT full fiduciary. Cannot be waived by contract. --- securities examprep financeexam sie series7 series65</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fIx2pBnRIepI/z-vHMAKGJG2_aqFdmg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/fIx2pBnRIepI/1774760500/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z-vHMAKGJG2</video:player_loc>
      <video:duration>130</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-declarations-page-life-health-insurance-property-casualty-insurance-exam-prep-2</loc>
    <video:video>
      <video:title>What is Declarations Page? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>A declarations page (dec page) is the first page of an insurance policy that summarizes essential coverage information including the named insured, policy number, coverage limits, deductibles, premiums, and effective dates. Learn more about Declarations Page and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Declarations Page definition: https://www.open-exam-prep.com/glossary/declarations-page Exam Tip: Declarations page = FIRST page with SUMMARY info. Contains: named insured, policy number, limits, deductibles, premium, dates. Does NOT contain exclusions or detailed terms! --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
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      <video:duration>132</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-72-household-employment-taxes</loc>
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      <video:title>Enrolled Agent Exam Part 1 72, Household Employment Taxes</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical difference between the 2,700 annual FICA threshold and the 1,000 quarterly FUTA threshold for household employees. That all household employment taxes (FICA and FUTA) are reported on Schedule H, which is filed with the employers Form 1040. Why a household employee must receive a Form W-2 and never a Form 1099-NEC, a common point of confusion on the exam. That withholding federal income tax is optional and requires an agreement between the employer and employee via Form W-4. How to apply the control test to determine if a worker is an employee, triggering Schedule H, or an independent contractor. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>225</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/series-65-4-fiscal-policy-and-government-spending</loc>
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      <video:title>Series 65 4, Fiscal Policy and Government Spending</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core difference between fiscal policy (Congress/President) and monetary policy (Federal Reserve) for the Series 65 exam. - How expansionary fiscal policy (increased spending, tax cuts) is used to combat recessions. - How contractionary fiscal policy (decreased spending, tax hikes) is used to fight inflation. - The relationship between deficit spending, the issuance of government securities, and the national debt. - The concept of crowding out where government borrowing increases interest rates and reduces private investment. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>195</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The fundamental difference between the primary market where loans start and the secondary market where they are traded. How Fannie Mae and Freddie Mac provide liquidity by purchasing conforming loans from different types of financial institutions. Why Ginnie Mae is unique as a government agency that guarantees mortgage-backed securities without purchasing loans. How to identify conforming versus non-conforming loans based on secondary market standards. Strategies to avoid common exam traps involving the flow of money and the definition of market liquidity. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FREE SIE Practice Questions 2026: 10 Must-Know Questions with Answers Explained</video:title>
      <video:description>10 FREE SIE practice questions with detailed answer explanations for 2026! Test your knowledge on the most commonly tested SIE exam topics. What youll learn: 00:00 - SIE Question Overview 00:30 - Question 1: Securities Definition 01:00 - Question 2: Equity Securities 01:30 - Question 3: Debt Securities 02:00 - Question 4: Options Basics 02:30 - Questions 5-10: High-Yield Topics 03:00 - Get More Free Practice FREE SIE Practice: https://open-exam-prep.com/exams/sie Full Blog Guide: https://open-exam-prep.com/blog/sie-practice-questions-free These questions cover the most tested SIE topics. Practice more at our free study platform! SIE SIEExam FINRAExam PracticeQuestions SecuritiesExam FreePractice 2026</video:description>
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      <video:duration>135</video:duration>
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      <video:title>What is Current Yield? SIE, SERIES7 Exam Prep</video:title>
      <video:description>Current yield is a bonds annual interest payment divided by its current market price, expressing the income return as a percentage without accounting for capital gains or losses. Learn more about Current Yield and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Current Yield definition: https://www.open-exam-prep.com/glossary/current-yield Exam Tip: Current Yield = Annual Interest divided by Market Price. At discount: Coupon less than CY less than YTM. At premium: Coupon greater than CY greater than YTM. --- securities examprep financeexam sie series7</video:description>
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      <video:duration>132</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-day-trading-sie-series7-exam-prep-2</loc>
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      <video:title>What is Day Trading? SIE, SERIES7 Exam Prep</video:title>
      <video:description>Day trading is the practice of buying and selling securities within the same trading day, closing all positions before the market closes to avoid overnight risk and leverage requirements. Learn more about Day Trading and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Day Trading definition: https://www.open-exam-prep.com/glossary/day-trading Exam Tip: PDT = 4+ day trades in 5 days. Requires 25,000 minimum. Day trading buying power = 4x equity. Know the PDT rules! --- securities examprep financeexam sie series7</video:description>
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  <url>
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    <video:video>
      <video:title>What is Contingency? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A contingency is a condition or clause in a real estate contract that must be satisfied before the transaction can close, allowing buyers to cancel without penalty if the condition is not met. Learn more about Contingency and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Contingency definition: https://www.open-exam-prep.com/glossary/contingency Exam Tip: Contingency = condition that must be met. If not met, buyer can cancel and get earnest money back. Know common contingencies: financing, inspection, appraisal. --- real-estate examprep financeexam real-estate-salesperson</video:description>
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      <video:duration>134</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-best-execution-sie-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Best Execution? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Best execution is the obligation of broker-dealers to execute customer orders at the most favorable terms reasonably available under the circumstances, considering price, speed, and likelihood of execution. Learn more about Best Execution and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Best Execution definition: https://www.open-exam-prep.com/glossary/best-execution Exam Tip: Best execution = broker must get best OVERALL terms, not just price. Consider speed, size, likelihood. Its an obligation! --- securities examprep financeexam sie series7 series65 series66</video:description>
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      <video:duration>133</video:duration>
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  <url>
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      <video:title>What is Pure Risk vs Speculative Risk? Insurance Exam Prep</video:title>
      <video:description>Pure risk involves only the possibility of loss or no loss (insurable), while speculative risk involves the possibility of loss, no change, or gain (not insurable). Insurance companies only cover pure risks because they can be predicted statistically and do not involve voluntary profit-seeking behavior. Learn more about Pure Risk vs Speculative Risk and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Pure Risk vs Speculative Risk definition: https://www.open-exam-prep.com/glossary/pure-risk-vs-speculative-risk Exam Tip: Pure risk = loss or no loss only (INSURABLE). Speculative risk = loss, no change, or gain (NOT INSURABLE). Insurance only covers pure risk. Gambling and investing = speculative. Fire, theft, death = pure. --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
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      <video:duration>139</video:duration>
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  </url>
  <url>
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    <video:video>
      <video:title>What is HMO (Health Maintenance Organization)? Insurance Exam Prep</video:title>
      <video:description>An HMO is a managed care health insurance plan that provides comprehensive coverage at the lowest cost, requiring members to select a primary care physician (PCP) who coordinates all care and provides referrals to specialists within the network. Learn more about HMO (Health Maintenance Organization) and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary HMO (Health Maintenance Organization) definition: https://www.open-exam-prep.com/glossary/hmo Exam Tip: HMO = lowest cost, requires PCP, requires referrals, in-network only. PPO = highest cost, most flexibility. EPO = hybrid (network-only like HMO, no referrals like PPO). --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
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      <video:duration>134</video:duration>
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  <url>
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      <video:title>What is Law of Large Numbers? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>The law of large numbers is a statistical principle stating that as the number of similar, independent exposure units increases, the actual loss experience will more closely approximate the expected or predicted loss, enabling insurers to predict losses with greater accuracy. Learn more about Law of Large Numbers and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Law of Large Numbers definition: https://www.open-exam-prep.com/glossary/law-of-large-numbers Exam Tip: Law of Large Numbers = larger pools = more accurate predictions. Foundation of insurance. Requires similar, independent risks. Catastrophic losses are the exception (correlated risks). --- insurance examprep financeexam life-health-insurance property-casualty-insurance Recommended Study Materials: Life &amp;amp; Health Insurance License Mastery 2025-2026 (500 Practice Questions): https://www.amazon.com/dp/1764327136?tag=openexamprep-20 Life and Health Insurance Study Guide 2025-2026 (645 Questions): https://www.amazon.com/dp/B0DPNCBKJJ?tag=openexamprep-20 Life and Health Insurance License Exam Prep 2025-2026: https://www.amazon.com/dp/B0DNXQGWZB?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>135</video:duration>
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    <video:video>
      <video:title>What is Elimination Period? LIFE-HEALTH Exam Prep</video:title>
      <video:description>The elimination period is the waiting period at the beginning of a disability or long-term care claim before benefits begin to be paid, typically ranging from 30 to 180 dayslonger periods result in lower premiums. Learn more about Elimination Period and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Elimination Period definition: https://www.open-exam-prep.com/glossary/elimination-period Exam Tip: Elimination period = deductible in TIME, not dollars. Longer EP = lower premium. Match to your savings/emergency fund. --- insurance examprep financeexam life-health</video:description>
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      <video:duration>135</video:duration>
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      <video:title>What is Form U4? Securities Registration Exam Prep</video:title>
      <video:description>Form U4 is the registration form that individuals must complete to become associated with a FINRA member firm and obtain required securities licenses, including personal, employment, and disclosure history. Learn more about Form U4 (Uniform Application for Securities Industry Registration) and other key terms for your SIE, SERIES7, SERIES63, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES63, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Form U4 (Uniform Application for Securities Industry Registration) definition: https://www.open-exam-prep.com/glossary/form-u4 Exam Tip: U4 = registration to START. U5 = termination. Update U4 within 30 DAYS of changes. Disclosure questions are critical! --- securities examprep financeexam sie series7 series63 series65 series66</video:description>
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    <video:video>
      <video:title>What is Due Diligence? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Due diligence is the investigation period in a real estate transaction during which buyers thoroughly examine the property, review documents, and verify all aspects of the purchase before finalizing the deal. Learn more about Due Diligence and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Due Diligence definition: https://www.open-exam-prep.com/glossary/due-diligence Exam Tip: Due diligence = buyer investigation period. Includes inspections, title search, surveys. Buyer can cancel for issues found during this period. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/fmcoxlSYImVd/XM8qglLqcr2_pJZGKJ.jpg</video:thumbnail_loc>
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      <video:duration>141</video:duration>
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      <video:title>What is Exclusion? LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Exam Prep</video:title>
      <video:description>An exclusion is a policy provision that specifies conditions, circumstances, or types of losses that are not covered by an insurance policy, eliminating the insurers obligation to pay for those particular claims. Learn more about Exclusion and other key terms for your LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE exam at Open Exam Prep. This term appears on: LIFE-HEALTH-INSURANCE, PROPERTY-CASUALTY-INSURANCE Full glossary: https://www.open-exam-prep.com/glossary Exclusion definition: https://www.open-exam-prep.com/glossary/exclusion Exam Tip: Exclusion = NOT covered. Know common exclusions: war, intentional acts, flood, earthquake. Pre-existing conditions excluded in most policies EXCEPT ACA-compliant major medical. --- insurance examprep financeexam life-health-insurance property-casualty-insurance</video:description>
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      <video:duration>141</video:duration>
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      <video:title>What is FHA Loan? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>An FHA loan is a government-backed mortgage insured by the Federal Housing Administration that allows qualified borrowers to purchase homes with down payments as low as 3.5% and requires mortgage insurance premiums (MIP) for the life of the loan in most cases. Learn more about FHA Loan and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary FHA Loan definition: https://www.open-exam-prep.com/glossary/fha-loan Exam Tip: FHA = 3.5% down (580+ credit), MIP required for LIFE unless 10%+ down. FHA INSURES loans (does not make them). Primary residence only. Upfront MIP = 1.75%, annual MIP = 0.55%. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JywoAnzYMyVG/rgCXgQfrcr2_GJuKik.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JywoAnzYMyVG/1774760777/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rgCXgQfrcr2</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-cma-comparative-market-analysis-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is CMA (Comparative Market Analysis)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>A Comparative Market Analysis (CMA) is an evaluation of similar recently sold properties (comparables) used by real estate agents to help sellers set listing prices and buyers make competitive offers. Learn more about CMA (Comparative Market Analysis) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary CMA (Comparative Market Analysis) definition: https://www.open-exam-prep.com/glossary/cma Exam Tip: CMA = agent-prepared pricing analysis using comparables. Appraisal = licensed appraiser for lender. Know the difference! --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bykQEzPQheMQ/r2CXN6Kqda2_cvonTz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bykQEzPQheMQ/1774760782/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r2CXN6Kqda2</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-assignment-insurance-life-health-exam-prep</loc>
    <video:video>
      <video:title>What is Assignment (Insurance)? LIFE-HEALTH Exam Prep</video:title>
      <video:description>Assignment is the transfer of some or all policy rights from the policyholder to another party, commonly used for collateral assignments (securing loans) or absolute assignments (permanent transfer of ownership). Learn more about Assignment (Insurance) and other key terms for your LIFE-HEALTH exam at Open Exam Prep. This term appears on: LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Assignment (Insurance) definition: https://www.open-exam-prep.com/glossary/assignment Exam Tip: Collateral = temporary, for loans. Absolute = permanent transfer. Assignment transfers ownership rights, not just beneficiary designation! --- insurance examprep financeexam life-health</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/bmA6xljQhiKl/r2DGNlerda2_xsOynb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/bmA6xljQhiKl/1774760777/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r2DGNlerda2</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-gross-rent-multiplier-grm-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Gross Rent Multiplier (GRM)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>The Gross Rent Multiplier (GRM) is a property valuation metric calculated by dividing the property price by its annual gross rental income, providing a quick method to compare investment properties and estimate how many years of gross rent would equal the purchase price. Learn more about Gross Rent Multiplier (GRM) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Gross Rent Multiplier (GRM) definition: https://www.open-exam-prep.com/glossary/gross-rent-multiplier Exam Tip: GRM = Price / Annual Gross Rent. Lower = potentially better value. Major limitation: ignores expenses! Cap rate (uses NOI) is more accurate. GRM is for QUICK comparisons only. --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KntItp9RJmEc/Xx8XM7fqda2_gmIBVV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KntItp9RJmEc/1774760913/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xx8XM7fqda2</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-growth-stock-vs-value-stock-sie-series6-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Growth Stock vs. Value Stock? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Growth stocks are shares of companies expected to grow earnings faster than the market with high P/E ratios and minimal dividends, while value stocks trade below their intrinsic value with lower P/E ratios and often pay dividends. Learn more about Growth Stock vs. Value Stock and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Growth Stock vs. Value Stock definition: https://www.open-exam-prep.com/glossary/growth-stock-vs-value-stock Exam Tip: Growth = high P/E, no dividends, future growth. Value = low P/E, dividends, undervalued. Growth does better in bull markets. --- securities examprep financeexam sie series6 series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/gnxAApnZhqFG/rxCbg6Lbdb2_RGJZzJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/gnxAApnZhqFG/1774760919/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rxCbg6Lbdb2</video:player_loc>
      <video:duration>143</video:duration>
    </video:video>
  </url>
  <url>
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    <video:video>
      <video:title>What is Earnings Per Share (EPS)? SIE, SERIES7, SERIES65 Exam Prep</video:title>
      <video:description>Earnings Per Share (EPS) is a companys net profit divided by the number of outstanding common shares, calculated as (Net Income - Preferred Dividends) / Weighted Average Common Shares Outstanding. It is a key metric for evaluating profitability and stock valuation. Learn more about Earnings Per Share (EPS) and other key terms for your SIE, SERIES7, SERIES65 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65 Full glossary: https://www.open-exam-prep.com/glossary Earnings Per Share (EPS) definition: https://www.open-exam-prep.com/glossary/earnings-per-share Exam Tip: EPS = (Net Income - Preferred Dividends) / Weighted Avg Shares. Stock buybacks INCREASE EPS. Used to calculate P/E ratio. Diluted EPS includes convertible securities. --- securities examprep financeexam sie series7 series65</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/IDdMEBDIJm-i/XN9ahkfaca2_OwcZvR.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/IDdMEBDIJm-i/1774760913/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XN9ahkfaca2</video:player_loc>
      <video:duration>143</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-cap-rate-capitalization-rate-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Cap Rate (Capitalization Rate)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Cap rate is a real estate investment metric calculated by dividing a propertys Net Operating Income (NOI) by its current market value or purchase price, expressed as a percentage to evaluate potential return. Learn more about Cap Rate (Capitalization Rate) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Cap Rate (Capitalization Rate) definition: https://www.open-exam-prep.com/glossary/cap-rate Exam Tip: Cap Rate = NOI / Value. Higher cap rate = higher risk/return. NOI excludes mortgage payments. Know how to calculate value from cap rate! --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/eDB2dnnQIq_P/r3DWNQfbca2_otOqqf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/eDB2dnnQIq_P/1774760920/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r3DWNQfbca2</video:player_loc>
      <video:duration>142</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-basis-point-sie-series7-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Basis Point? SIE, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>A basis point (bp) is one-hundredth of one percent (0.01%), commonly used to express changes in interest rates, bond yields, and fees. 100 basis points equals 1%. Learn more about Basis Point and other key terms for your SIE, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Basis Point definition: https://www.open-exam-prep.com/glossary/basis-point Exam Tip: 1 basis point = 0.01%. 100 bps = 1%. Fed raised by 25 bps = 0.25% increase. Know the conversions! --- securities examprep financeexam sie series7 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/KDtktzDRgq2P/Xx9GN7Lada2_qVrBHn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/KDtktzDRgq2P/1774760914/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xx9GN7Lada2</video:player_loc>
      <video:duration>140</video:duration>
    </video:video>
  </url>
  <url>
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      <video:title>What is Gift Tax? SIE, SERIES7, SERIES65 Exam Prep</video:title>
      <video:description>Gift tax is a federal tax on transferring assets to another person while alive, with an annual exclusion of 18,000 per recipient in 2024 (36,000 for married couples splitting gifts). The lifetime exemption of 13.61 million is unified with the estate tax exemption. Learn more about Gift Tax and other key terms for your SIE, SERIES7, SERIES65 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65 Full glossary: https://www.open-exam-prep.com/glossary Gift Tax definition: https://www.open-exam-prep.com/glossary/gift-tax Exam Tip: 2024 annual exclusion: 18,000/recipient. Lifetime exemption: 13.61M (unified with estate tax). DONOR pays tax. Direct tuition/medical payments are unlimited and excluded. --- securities examprep financeexam sie series7 series65</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/JQFkgpOJMi3k/W2DqgBebcH2_MBnPOa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/JQFkgpOJMi3k/1774761051/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W2DqgBebcH2</video:player_loc>
      <video:duration>150</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-depreciation-real-estate-real-estate-salesperson-exam-prep</loc>
    <video:video>
      <video:title>What is Depreciation (Real Estate)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Depreciation in real estate has two meanings: for tax purposes, it is the annual deduction for the cost of investment property over time (27.5 years residential, 39 years commercial) for appraisal, it is the loss in value due to physical, functional, or external obsolescence. Learn more about Depreciation (Real Estate) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Depreciation (Real Estate) definition: https://www.open-exam-prep.com/glossary/depreciation-real-estate Exam Tip: Physical = wear/tear. Functional = outdated. External = outside factors (ALWAYS incurable). Tax: Residential 27.5 yrs, Commercial 39 yrs. Land is NOT depreciable! --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/N6FgwpPJcawl/W29GgQLadG2_VTAmsQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/N6FgwpPJcawl/1774761051/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W29GgQLadG2</video:player_loc>
      <video:duration>148</video:duration>
    </video:video>
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  <url>
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      <video:title>What is Depreciation (Real Estate)? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Depreciation in real estate has two meanings: for tax purposes, it is the annual deduction for the cost of investment property over time (27.5 years residential, 39 years commercial) for appraisal, it is the loss in value due to physical, functional, or external obsolescence. Learn more about Depreciation (Real Estate) and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Depreciation (Real Estate) definition: https://www.open-exam-prep.com/glossary/depreciation-real-estate Exam Tip: Physical = wear/tear. Functional = outdated. External = outside factors (ALWAYS incurable). Tax: Residential 27.5 yrs, Commercial 39 yrs. Land is NOT depreciable! --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/LUFosjTZcixb/q2DHNAebdH2_zAEewJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/LUFosjTZcixb/1774761061/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q2DHNAebdH2</video:player_loc>
      <video:duration>143</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-appreciation-real-estate-salesperson-exam-prep</loc>
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      <video:title>What is Appreciation? REAL-ESTATE-SALESPERSON Exam Prep</video:title>
      <video:description>Appreciation is the increase in a propertys value over time due to market conditions, improvements, inflation, or increased demand, representing a key source of real estate investment returns. Learn more about Appreciation and other key terms for your REAL-ESTATE-SALESPERSON exam at Open Exam Prep. This term appears on: REAL-ESTATE-SALESPERSON Full glossary: https://www.open-exam-prep.com/glossary Appreciation definition: https://www.open-exam-prep.com/glossary/appreciation Exam Tip: Appreciation = increase in value. Calculate: (New Value - Old Value) / Old Value x 100. Location is the biggest factor! --- real-estate examprep financeexam real-estate-salesperson</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/b8hwxlnYdy_P/qM9Hg7KrdW2_gpXmhX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/b8hwxlnYdy_P/1774761051/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qM9Hg7KrdW2</video:player_loc>
      <video:duration>146</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-asset-allocation-sie-series7-series65-exam-prep</loc>
    <video:video>
      <video:title>What is Asset Allocation? SIE, SERIES7, SERIES65 Exam Prep</video:title>
      <video:description>Asset allocation is an investment strategy that divides a portfolio among different asset classes (stocks, bonds, cash) based on an investors goals, risk tolerance, and time horizon to optimize risk-adjusted returns. Learn more about Asset Allocation and other key terms for your SIE, SERIES7, SERIES65 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65 Full glossary: https://www.open-exam-prep.com/glossary Asset Allocation definition: https://www.open-exam-prep.com/glossary/asset-allocation Exam Tip: Asset allocation = dividing portfolio among asset classes. Most important factor in long-term returns. Strategic = long-term targets Tactical = short-term adjustments. --- securities examprep financeexam sie series7 series65</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/g4tUFn4IMawc/qM8agQLHdG2_PhouLM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/g4tUFn4IMawc/1774761051/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qM8agQLHdG2</video:player_loc>
      <video:duration>145</video:duration>
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  <url>
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      <video:title>What is Estate Tax? SIE, SERIES7, SERIES65 Exam Prep</video:title>
      <video:description>Estate tax is a federal tax on the transfer of assets at death, applying to estates exceeding the exemption amount of 13.61 million per person in 2024 (27.22 million for married couples). The tax rate is 40% on amounts above the exemption. Learn more about Estate Tax and other key terms for your SIE, SERIES7, SERIES65 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65 Full glossary: https://www.open-exam-prep.com/glossary Estate Tax definition: https://www.open-exam-prep.com/glossary/estate-tax Exam Tip: 2024 exemption: 13.61M individual, 27.22M married. 40% tax rate on excess. Portability allows surviving spouse to use deceased spouses unused exemption. --- securities examprep financeexam sie series7 series65</video:description>
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      <video:content_loc>https://streaming.open.video/contents/HzEYwjT6leFH/1774761195/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WxCWMAeWcG2</video:player_loc>
      <video:duration>158</video:duration>
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      <video:title>What is Estate Tax? SIE, SERIES7, SERIES65 Exam Prep</video:title>
      <video:description>Estate tax is a federal tax on the transfer of assets at death, applying to estates exceeding the exemption amount of 13.61 million per person in 2024 (27.22 million for married couples). The tax rate is 40% on amounts above the exemption. Learn more about Estate Tax and other key terms for your SIE, SERIES7, SERIES65 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65 Full glossary: https://www.open-exam-prep.com/glossary Estate Tax definition: https://www.open-exam-prep.com/glossary/estate-tax Exam Tip: 2024 exemption: 13.61M individual, 27.22M married. 40% tax rate on excess. Portability allows surviving spouse to use deceased spouses unused exemption. --- securities examprep financeexam sie series7 series65</video:description>
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      <video:content_loc>https://streaming.open.video/contents/bDcMFBTYUu0d/1774761194/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WNCqNkKGcX2</video:player_loc>
      <video:duration>153</video:duration>
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      <video:description>The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:content_loc>https://streaming.open.video/contents/LFEMgn97Vi-k/1774761197/index.m3u8</video:content_loc>
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      <video:duration>174</video:duration>
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      <video:description>The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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    <video:video>
      <video:title>Enrolled Agent Exam Part 1 60, Identity Protection PIN and Fraud Prevention</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The IP PIN is a mandatory six-digit number for taxpayers whom the IRS has issued one, used to validate identity when filing a tax return. E-filed returns submitted without a required IP PIN are automatically rejected, while paper-filed returns without the PIN face significant processing delays. Taxpayers can voluntarily obtain an IP PIN through the IRSs online tool, but they must pass a stringent identity verification process. A new IP PIN is issued annually on a CP01A notice for confirmed identity theft victims and is only valid for that specific tax year. If a client loses their IP PIN, the correct procedure is for them to retrieve it using the official IRS online portal, as the practitioner cannot obtain it for them. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/N4w6AFm6oa8k/X2CWgAKWdG2_VprDjJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/N4w6AFm6oa8k/1774761316/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X2CWgAKWdG2</video:player_loc>
      <video:duration>191</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-02-filing-status-determination</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 02, Filing Status Determination</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Marital status for tax filing is determined on the last day of the year, December 31st. The Head of Household status requires being unmarried, paying for more than half the cost of a home, and having a qualifying person reside there for more than half the year. A taxpayer can claim Head of Household based on a dependent parent even if the parent does not live with them. Qualifying Surviving Spouse status extends joint filing benefits for two years after a spouses death if the survivor has a dependent child and remains unmarried. The considered unmarried rule allows a married individual to file as Head of Household if their spouse has not lived with them for the last six months of the year. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/K4wcllT6Qq1j/Xw8bgkeHcW2_qToHnm.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/K4wcllT6Qq1j/1774761316/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xw8bgkeHcW2</video:player_loc>
      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-1-introduction-to-capital-markets</loc>
    <video:video>
      <video:title>SIE 1, Introduction to Capital Markets</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The fundamental role of capital markets in connecting investors with businesses. - The clear distinction between the Primary Market, where new securities are issued, and the Secondary Market, where they are traded. - How an Initial Public Offering (IPO) serves as a classic example of a Primary Market transaction. - Why the secondary market, including exchanges like the NYSE and NASDAQ, is crucial for providing liquidity to investors. - A simple mnemonic to remember that in the Primary market, the Proceeds from a sale go directly to the issuing company. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qflIldflhunl/Xg8XhRfGdW2_vCNEOH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qflIldflhunl/1774761448/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xg8XhRfGdW2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/election-to-split-gifts-for-year-of-death</loc>
    <video:video>
      <video:title>Election to Split Gifts for Year of Death</video:title>
      <video:description>The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1fdsFvLAMyfG/Xw9WhAeXdH2_bcrvmK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1fdsFvLAMyfG/1774761448/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Xw9WhAeXdH2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/income-in-respect-of-a-decedent-and-basis-considerations</loc>
    <video:video>
      <video:title>Income in Respect of a Decedent and Basis Considerations</video:title>
      <video:description>The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tthowbHcImec/r29WMQKXdW2_AgycZz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tthowbHcImec/1774761464/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r29WMQKXdW2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-63-chronic-kidney-disease</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 63, Chronic Kidney Disease</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The five stages of Chronic Kidney Disease (CKD) based on Glomerular Filtration Rate (GFR) and why a GFR below 15 indicates end-stage renal disease. How to identify critical electrolyte imbalances such as hyperkalemia and hyperphosphatemia, and their inverse relationship with calcium levels. Why anemia is a primary complication of CKD, stemming from the kidneys inability to produce sufficient erythropoietin. Key nursing interventions, including managing fluid volume excess, implementing dietary restrictions for potassium and phosphate, and preventing renal osteodystrophy. Common NCLEX traps involving nephrotoxic medications and the nurses role in questioning orders for drugs like NSAIDs in patients with low GFR. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/urB2AhfBMqTd/rxCrN6LWcH2_TCxQDw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/urB2AhfBMqTd/1774761449/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rxCrN6LWcH2</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-44-customer-account-types-individual-and-joint</loc>
    <video:video>
      <video:title>SIE 44, Customer Account Types - Individual and Joint</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The defining characteristics of an individual brokerage account. - How assets in an individual account are handled upon the owners death. - The features of a Joint Tenants with Rights of Survivorship (JTWROS) account. - The key differences in ownership and asset distribution for a Tenants in Common (TIC) account. - A mnemonic to easily distinguish between JTWROS and TIC for exam purposes. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uxB6kxqtNCod/X39WMQfXcG2_IMcTkc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uxB6kxqtNCod/1774761465/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X39WMQfXcG2</video:player_loc>
      <video:duration>199</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-capital-gains-tax-sie-series7-series65-exam-prep</loc>
    <video:video>
      <video:title>What is Capital Gains Tax? SIE, SERIES7, SERIES65 Exam Prep</video:title>
      <video:description>Capital gains tax is a tax on the profit from selling investments or assets. Short-term gains (assets held less than 1 year) are taxed as ordinary income long-term gains (held more than 1 year) receive preferential rates of 0%, 15%, or 20% based on income. Learn more about Capital Gains Tax and other key terms for your SIE, SERIES7, SERIES65 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES65 Full glossary: https://www.open-exam-prep.com/glossary Capital Gains Tax definition: https://www.open-exam-prep.com/glossary/capital-gains-tax Exam Tip: Short-term (1 year or less) = ordinary income rates. Long-term (more than 1 year) = 0%, 15%, or 20%. NIIT adds 3.8% for high earners. Wash sale = 30 days. --- securities examprep financeexam sie series7 series65</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vdhwAbetJmnI/X39qhlLXcH2_sFIMeK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vdhwAbetJmnI/1774761464/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X39qhlLXcH2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-13-preferred-stock-basics</loc>
    <video:video>
      <video:title>SIE 13, Preferred Stock Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The dual nature of preferred stock as a hybrid security, blending features of both stocks and bonds. - How preferred stock provides a fixed dividend payment, calculated as a percentage of its par value. - The concept of liquidation preference and where preferred stockholders stand in the payout order during bankruptcy. - Why preferred stockholders typically do not have the voting rights that are granted to common stockholders. - Common exam traps, including the inverse relationship between interest rates and preferred stock prices. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xhd2hvHAgCMI/r39HhkeXdX2_wgcevT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xhd2hvHAgCMI/1774761465/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r39HhkeXdX2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/stock-redemption-buy-sell-agreement</loc>
    <video:video>
      <video:title>Stock Redemption Buy Sell Agreement</video:title>
      <video:description>The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2hx2xtGAdmfO/rx9XMkLHcH2_wkPSwp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2hx2xtGAdmfO/1774761449/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rx9XMkLHcH2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-09-informed-consent</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 09, Informed Consent</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The providers duty is to explain the procedures risks, benefits, and alternatives to obtain consent. The nurses primary role is to witness the signature, verify patient comprehension, and act as a patient advocate. If a patient expresses doubt or misunderstanding, the nurses priority is to notify the provider immediately. Implied consent applies in life-threatening emergencies when a patient is unable to consent. Specific legal rules require consent from a parent or legal guardian for minors and incapacitated adults. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/shgMlhXBkmMl/4gDbN7KXdb2_oZpnrz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/shgMlhXBkmMl/1774761651/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4gDbN7KXdb2</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-06-wages-salaries-and-tips</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 06, Wages, Salaries, and Tips</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Why Box 1 (Wages) and Box 5 (Medicare Wages) on Form W-2 can be different. The exact 20 monthly threshold that triggers the requirement for employees to report tips. How to correctly report allocated tips from Box 8 of the W-2 using Form 4137. A simple rule to distinguish taxable cash-equivalent fringe benefits from non-taxable ones. Key 2025 dollar limits for non-taxable benefits like education, adoption, and transportation assistance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1adscvetRmhQ/ywCaNBLbIb2_ogQoDV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1adscvetRmhQ/1774761664/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ywCaNBLbIb2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-8-types-of-securities-offerings</loc>
    <video:video>
      <video:title>SIE 8, Types of Securities Offerings</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The difference between a primary offering (IPO) and a secondary offering based on who receives the proceeds. - How follow-on offerings differ from secondary offerings, a common point of confusion. - What defines a private placement under Regulation D and who is eligible to participate. - The definition of restricted and control securities and why they are treated differently. - The key requirements of SEC Rule 144, including the six-month holding period for restricted securities. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0to-chGtVmeH/yw8HNlLqIq2_TFgMFa.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0to-chGtVmeH/1774761651/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yw8HNlLqIq2</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-tax-return-form-706</loc>
    <video:video>
      <video:title>Estate Tax Return Form 706</video:title>
      <video:description>The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2tAAhd1BRaLR/4g9qhAKbIq2_xaUWFB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2tAAhd1BRaLR/1774761655/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4g9qhAKbIq2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/executors-fee-waiver-considerations</loc>
    <video:video>
      <video:title>Executors Fee Waiver Considerations</video:title>
      <video:description>The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3hsIAfrsVeVd/y29XMAfqJq2_XPMjLB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3hsIAfrsVeVd/1774761665/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y29XMAfqJq2</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-69-section-1035-tax-free-exchanges-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 69 Section 1035 Tax-Free Exchanges Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: The definition of an IRC Section 1035 tax-free exchange and how it defers tax on gains. Which product swaps are permitted, including Life to Life and Life to Annuity. The critical prohibited exchange from an Annuity to a Life Insurance policy. How the original cost basis carries over to the new contract to maintain tax records. The requirement for the owner and insured to remain identical across both policies to avoid taxation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tdw6EvutQegQ/yNCXgAeHca2_TVJOPl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tdw6EvutQegQ/1774761659/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yNCXgAeHca2</video:player_loc>
      <video:duration>261</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-21-municipal-bonds-general-obligation</loc>
    <video:video>
      <video:title>SIE 21, Municipal Bonds - General Obligation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The fundamental difference between General Obligation (GO) bonds and revenue bonds. - Why GO bonds are uniquely backed by the full faith, credit, and taxing power of the issuer. - The critical role of voter approval before a municipality can issue new GO bond debt. - The key factors used to perform credit analysis on a GO bond, focusing on the issuers economic health. - How to identify common exam traps, such as confusing the analytical factors for GO and revenue bonds. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/WYkYhbLsouma/yhCGhkLXJb2_fZZZtI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/WYkYhbLsouma/1774761795/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yhCGhkLXJb2</video:player_loc>
      <video:duration>213</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-11-common-stock-fundamentals</loc>
    <video:video>
      <video:title>SIE 11, Common Stock Fundamentals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The difference between statutory and cumulative voting rights. - Why common stockholders are not guaranteed dividends. - The key rights associated with stock ownership. - How to distinguish between meaningless par value and important market value. - The core factors that influence a stocks market price. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tMEMcrrAlifQ/4NCbgkeWIr2_riOxAb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tMEMcrrAlifQ/1774761794/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4NCbgkeWIr2</video:player_loc>
      <video:duration>208</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-2-primary-vs-secondary-markets</loc>
    <video:video>
      <video:title>SIE 2, Primary vs Secondary Markets</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - The core function of the primary market as the source of new capital for issuers. - How an Initial Public Offering (IPO) serves as a classic example of a primary market transaction. - The defining characteristic of the secondary market: trades between investors with no proceeds going to the original issuer. - The clear transition point where a security moves from the primary to the secondary market. - A simple memory aid: Primary means Proceeds to distinguish between the two market types on the exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3Iw6ghbcompQ/yxCHhQeHJq2_PaGAke.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3Iw6ghbcompQ/1774761795/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yxCHhQeHJq2</video:player_loc>
      <video:duration>209</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fundamentals-19-consumer-protection-laws</loc>
    <video:video>
      <video:title>Fundamentals 19, Consumer Protection Laws</video:title>
      <video:description>Includes Fair Credit Reporting Act, Fair Debt Collection Act, and Truth in Lending Act. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1Is2EbGlUmLP/43CbgQKHIb2_ViUQSG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1Is2EbGlUmLP/1774761795/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=43CbgQKHIb2</video:player_loc>
      <video:duration>208</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/qualified-domestic-trust-qdots</loc>
    <video:video>
      <video:title>Qualified Domestic Trust QDOTs</video:title>
      <video:description>The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xIwsEbbkUuKi/y39aNlKHJb2_zjfVxe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xIwsEbbkUuKi/1774761805/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y39aNlKHJb2</video:player_loc>
      <video:duration>205</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-40-options-max-gain-max-loss-breakeven</loc>
    <video:video>
      <video:title>SIE 40, Options - Max Gain, Max Loss, Breakeven</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - How to calculate breakeven for call options by adding the premium to the strike price. - How to calculate breakeven for put options by subtracting the premium from the strike price. - Why a long options maximum loss is always limited to the premium paid. - The definition of unlimited risk and why it applies to uncovered short call writers. - How to determine the maximum gain for both long and short option positions. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sysMcd0sguNP/5MCHgAebJa2_shjjey.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sysMcd0sguNP/1774761938/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5MCHgAebJa2</video:player_loc>
      <video:duration>217</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-09-free-look-period-provisions-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 09 Free Look Period Provisions Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Life Insurance Exam. In this episode you will learn: The specific trigger event that starts the free look countdown. The mandatory full refund requirements for returned policies. Differences in timeframe for standard versus replacement policies. Special protections and longer periods provided to senior citizens and annuity owners. How coverage remains active and benefits are payable during the review window. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rNFsAvGtkqCi/z28rhQeaIq2_hFxPax.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rNFsAvGtkqCi/1774761938/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z28rhQeaIq2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-7-fiscal-policy</loc>
    <video:video>
      <video:title>SIE 7, Fiscal Policy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The definition of fiscal policy as the governments tool for managing the economy through taxation and spending. - The fundamental difference between fiscal policy (controlled by Congress and the President) and monetary policy (controlled by the Federal Reserve). - How expansionary fiscal policy, using tax cuts and increased government spending, is used to combat a recession. - How contractionary fiscal policy, using tax increases and decreased government spending, is used to fight inflation. - A simple Gas vs. Brake analogy to remember when each type of policy is appropriate for different economic conditions. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xJd2th0AUi8G/z28bNkLbJq2_vtEOWz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xJd2th0AUi8G/1774761937/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z28bNkLbJq2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-26-below-market-loans</loc>
    <video:video>
      <video:title>Tax 26, Below Market Loans</video:title>
      <video:description>Imputed interest rules apply exceptions for loans under 10,000 or with low net investment income. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qCkwhxfAJaVd/z2DaMkfqJb2_JRQYso.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qCkwhxfAJaVd/1774761950/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z2DaMkfqJb2</video:player_loc>
      <video:duration>212</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-3-important-definitions</loc>
    <video:video>
      <video:title>Estate Planning 3, Important Definitions</video:title>
      <video:description>Decedent, heirs, legatees, donor, donee, abatement, and ademption are key terms in estate planning. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/WolUsr1chq1c/5MDXN7faJa2_MzyVCw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/WolUsr1chq1c/1774762085/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5MDXN7faJa2</video:player_loc>
      <video:duration>214</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-23-original-issue-discount</loc>
    <video:video>
      <video:title>Investment 23, Original Issue Discount</video:title>
      <video:description>Bonds issued below par must accrete the discount annually for tax purposes. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/XzpMgxfddqvb/zh8GhkeqIa2_TpQPTI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/XzpMgxfddqvb/1774762097/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zh8GhkeqIa2</video:player_loc>
      <video:duration>218</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-22-accrued-interest</loc>
    <video:video>
      <video:title>Investment 22, Accrued Interest</video:title>
      <video:description>Buyers of bonds pay sellers for interest accrued since the last coupon payment. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wAdsphWlJiCc/zx8WNQfbIb2_CUlMrN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wAdsphWlJiCc/1774762084/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zx8WNQfbIb2</video:player_loc>
      <video:duration>218</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-18-filing-status</loc>
    <video:video>
      <video:title>Tax 18, Filing Status</video:title>
      <video:description>Single, MFJ, MFS, HOH, and Qualifying Widower determined on last day of tax year. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Znd-dfbdcqua/538GN7KaJr2_DTmSnW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Znd-dfbdcqua/1774762097/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=538GN7KaJr2</video:player_loc>
      <video:duration>216</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-7-long-term-capital-gains-rates</loc>
    <video:video>
      <video:title>Tax 7, Long-Term Capital Gains Rates</video:title>
      <video:description>0%, 15%, 20% based on income thresholds 25% for Section 1250 recapture, 28% for collectibles. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3kxktv1ddyvI/5NCHMRfrJr2_CEBJUW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3kxktv1ddyvI/1774762085/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5NCHMRfrJr2</video:player_loc>
      <video:duration>218</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-18-income-in-respect-of-a-decedent-ird</loc>
    <video:video>
      <video:title>Estate Planning 18, Income in Respect of a Decedent (IRD)</video:title>
      <video:description>Income a decedent was entitled to but not received before death, included in the gross estate without a step-up in basis. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2ElcFxqtMmEj/zh9WMAKbJa2_sHeBcQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2ElcFxqtMmEj/1774762085/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zh9WMAKbJa2</video:player_loc>
      <video:duration>218</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-37-call-options-rights-and-strategies</loc>
    <video:video>
      <video:title>SIE 37, Call Options - Rights and Strategies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The fundamental right of a call option buyer to purchase a stock at a set strike price. - How to calculate maximum gain, maximum loss, and breakeven for a long call position. - The motivations and unlimited risk associated with writing a naked (uncovered) call. - How a covered call strategy works to generate income on an existing stock position. - A simple mnemonic, Call Up, to remember the breakeven formula and bullish sentiment for call buyers. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wSdodtasgmFa/428agAeXJH2_fRKWEX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wSdodtasgmFa/1774762161/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=428agAeXJH2</video:player_loc>
      <video:duration>218</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-31-exchange-traded-funds-etfs</loc>
    <video:video>
      <video:title>SIE 31, Exchange-Traded Funds (ETFs)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - How ETFs are structured and trade intraday on exchanges like individual stocks. - The unique creation and redemption process involving Authorized Participants (APs). - The concept of in-kind transfers and why they are crucial to ETF operations. - The primary reason ETFs are generally more tax-efficient than mutual funds. - Common ways the SIE exam tests the differences between ETFs and mutual funds, especially on pricing and taxation. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/W_gsotvkJCxP/yw8aNReGJG2_MrLuSk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/W_gsotvkJCxP/1774762161/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yw8aNReGJG2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-22-municipal-bonds-revenue-bonds</loc>
    <video:video>
      <video:title>SIE 22, Municipal Bonds - Revenue Bonds</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - The difference between revenue bonds and general obligation (GO) bonds. - The role and importance of a feasibility study in assessing project viability. - What a rate covenant is and how it protects bondholders. - The detailed priority of payments in a net revenue pledges flow of funds. - A mnemonic to help remember the flow of funds for the exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sjkkxhKcoa1I/yg8HhBKWJX2_zjYQkY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sjkkxhKcoa1I/1774762313/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yg8HhBKWJX2</video:player_loc>
      <video:duration>220</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-12-common-stock-dividends-and-splits</loc>
    <video:video>
      <video:title>SIE 12, Common Stock - Dividends and Splits</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The four key dates associated with cash dividend payments. - How to determine who is entitled to receive a dividend based on the trade date. - The impact of a stock dividend on an investors number of shares and share price. - The difference between a forward stock split and a reverse stock split. - Why stock splits and stock dividends do not change an investors total equity value. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rzsAtr1slC2H/yMDGMlfWIX2_VabgnG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rzsAtr1slC2H/1774762313/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yMDGMlfWIX2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-4-business-cycles</loc>
    <video:video>
      <video:title>SIE 4, Business Cycles</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The four phases of the business cycle: expansion, peak, contraction, and trough. - How rising and falling GDP and inflation characterize each economic phase. - Which stock sectors, like cyclical and defensive, perform best in different cycles. - The inverse relationship between interest rates and bond prices during contractions. - A simple mnemonic to remember the cycle order and associated investment strategies. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wDo-sfbcoi2l/4MDqgBKWIG2_uKkwkM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wDo-sfbcoi2l/1774762314/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4MDqgBKWIG2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-39-options-intrinsic-and-time-value</loc>
    <video:video>
      <video:title>SIE 39, Options - Intrinsic and Time Value</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The two components of an options premium: intrinsic value and time value. - How to determine if a call or put option is in-the-money, at-the-money, or out-of-the-money. - The method for calculating an options intrinsic value, and remembering it can never be negative. - What time value represents and how it is affected by time to expiration. - Common question formats and traps on the SIE exam related to option valuation. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qAssAdHAUiwG/yh9WhlLrIG2_IFAIJy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qAssAdHAUiwG/1774762294/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yh9WhlLrIG2</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-9-the-underwriting-process</loc>
    <video:video>
      <video:title>SIE 9, The Underwriting Process</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The key differences between firm commitment and best efforts underwriting and who bears the financial risk in each. - How an underwriting syndicate is formed to share risk among multiple investment banks. - The specific role of a selling group and why its members have no financial liability for unsold shares. - The purpose and rules of the 20-day cooling-off period in the IPO process. - What activities, such as distributing a red herring and taking indications of interest, are permitted and prohibited before a new issue becomes effective. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tokoFf0cRqFO/439Xg7KrJW2_TxaPnJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tokoFf0cRqFO/1774762293/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=439Xg7KrJW2</video:player_loc>
      <video:duration>220</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-20-bond-duration</loc>
    <video:video>
      <video:title>Investment 20, Bond Duration</video:title>
      <video:description>Indicates a bonds sensitivity to interest rate changes, with higher duration implying greater volatility. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0kk2kduAVu8b/4NCqNBeGJH2_NEkfyx.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0kk2kduAVu8b/1774762295/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4NCqNBeGJH2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-21-kiddie-tax</loc>
    <video:video>
      <video:title>Tax 21, Kiddie Tax</video:title>
      <video:description>Unearned income over 2,600 taxed at parents rate applies to dependents under 19 or full-time students under 24. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tkowkvXlUqxP/y3CqhQLGIX2_SoxtgO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tkowkvXlUqxP/1774762314/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y3CqhQLGIX2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-5-types-of-wills</loc>
    <video:video>
      <video:title>Estate Planning 5, Types of Wills</video:title>
      <video:description>Survivorship and disclaimer clauses affect inheritance and tax implications. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2Ec2pbqtRm-d/4x8rN6LGJW2_JzzPoM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2Ec2pbqtRm-d/1774762295/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4x8rN6LGJW2</video:player_loc>
      <video:duration>219</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/good-boy-knows-best-free-exam-prep-shorts-dogs</loc>
    <video:video>
      <video:title>Good Boy Knows Best FREE Exam Prep Shorts Dogs</video:title>
      <video:description>Good boy knows best. The best things in life are free! Study FREE at open-exam-prep.com Free practice tests for: SIE, Series 7, 63, 65, 66 Life &amp;amp; Health Insurance Real Estate License And 50+ more exams! examprep dogs goldenretriever freeeducation shorts cute</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/XSoUwfHsUC-j/5g8qNRLaIX2_SEtIoI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/XSoUwfHsUC-j/1774762422/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5g8qNRLaIX2</video:player_loc>
      <video:duration>16</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-3-economic-indicators</loc>
    <video:video>
      <video:title>SIE 3, Economic Indicators</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The difference between leading, lagging, and coincident economic indicators. - Why the S&amp;amp;P 500 and building permits are considered leading indicators. - How Gross Domestic Product (GDP) provides a real-time snapshot of the economy. - The critical distinction between initial unemployment claims (leading) and the unemployment rate (lagging). - How the Consumer Price Index (CPI) measures inflation and influences Federal Reserve policy. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uSgMdbGtRu_I/zg9qNQeHJW2_EWpoAV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uSgMdbGtRu_I/1774762430/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zg9qNQeHJW2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-15-systematic-vs-unsystematic-risk</loc>
    <video:video>
      <video:title>Investment 15, Systematic vs. Unsystematic Risk</video:title>
      <video:description>Systematic risk is market-wide and undiversifiable unsystematic risk is firm-specific and diversifiable. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/svd6BreJNeTG/5M9bhQfGJG2_gLAOuX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/svd6BreJNeTG/1774762586/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5M9bhQfGJG2</video:player_loc>
      <video:duration>222</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-82-respa-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 82, RESPA Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: RESPA applies to one-to-four family residential dwellings involving federally related mortgage loans. Section 8 of the act strictly prohibits kickbacks or any thing of value exchanged for referrals. The Loan Estimate and Closing Disclosure both follow a strict three-business-day delivery requirement. Lenders are prohibited from requiring an escrow cushion greater than one-sixth of the total annual estimated disbursements. Affiliated Business Arrangements require written disclosure at the time of referral to prevent illegal steering. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/XvFoshKQduKR/z2Drh6LHIG2_bPPcYq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/XvFoshKQduKR/1774762606/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z2Drh6LHIG2</video:player_loc>
      <video:duration>251</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-69-commingling-and-conversion-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 69, Commingling and Conversion Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The fundamental difference between commingling as the act of mixing funds and conversion as the act of spending them. Why commingling is a license violation even if the clients money is never actually spent or lost. How to identify conversion in exam scenarios even when a broker has the intention of paying the money back. The specific exception regarding nominal broker funds used for trust account bank fees. The severe legal and professional consequences including license revocation and criminal charges for embezzlement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xsx6pxbJMigI/5h8aMRfrcH2_ErXWsK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xsx6pxbJMigI/1774762586/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5h8aMRfrcH2</video:player_loc>
      <video:duration>221</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-68-modified-endowment-contracts-and-7-pay-test-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 68 Modified Endowment Contracts and 7-Pay Test Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam life insurance exam. In this episode you will learn: How the seven-pay test calculates cumulative premium limits to determine MEC status. The shift from FIFO to LIFO taxation and how it affects policy withdrawals and loans. The impact of the ten percent IRS penalty for distributions taken before age fifty-nine and a half. Why Modified Endowment Contract status is permanent and cannot be reversed. Why the death benefit generally remains income tax-free despite the loss of living benefit advantages. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/WbxUBf1RJeSH/zN8qh6LrcG2_DzREjZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/WbxUBf1RJeSH/1774762606/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zN8qh6LrcG2</video:player_loc>
      <video:duration>220</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-18-types-of-corporate-bonds</loc>
    <video:video>
      <video:title>SIE 18, Types of Corporate Bonds</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - The difference between secured bonds backed by assets and unsecured bonds (debentures) backed by credit. - How the risk and yield relationship applies to different types of corporate bonds. - The unique features of convertible bonds and their relationship to the underlying common stock. - The concept of phantom income and how zero-coupon bonds are taxed annually. - How to identify the riskiest types of debt, such as subordinated debentures. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Xvh2wrWJguNi/zNDrgkKaIG2_jfBSOT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Xvh2wrWJguNi/1774762566/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zNDrgkKaIG2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-4-research-reports</loc>
    <video:video>
      <video:title>Investment 4, Research Reports</video:title>
      <video:description>Value Line ranks stocks, while Morningstar ranks mutual funds and stocks, aiding investment decisions. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qsxgltXRcqpG/z39Hh6LqJW2_PGLkXk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qsxgltXRcqpG/1774762567/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z39Hh6LqJW2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/insurance-9-rating-agencies</loc>
    <video:video>
      <video:title>Insurance 9, Rating Agencies</video:title>
      <video:description>Evaluate insurer financial strength, with A.M. Best and Moodys providing ratings from high to low. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xsBQobXZJegl/5x8qh7fXIX2_cWMmKv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/xsBQobXZJegl/1774762566/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5x8qh7fXIX2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-19-standard-deduction</loc>
    <video:video>
      <video:title>Tax 19, Standard Deduction</video:title>
      <video:description>Varies by filing status additional amounts for age 65+ or blind. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YrdgkrXIdqoi/5x8XgkLXJW2_bvTBwX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YrdgkrXIdqoi/1774762587/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5x8XgkLXJW2</video:player_loc>
      <video:duration>223</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-6-25-coverdell-education-savings-accounts</loc>
    <video:video>
      <video:title>Series 6 25, Coverdell Education Savings Accounts</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The strict 2,000 annual contribution limit is per beneficiary, not per contributor. - How income limitations for contributors (MAGI phase-outs) can prevent contributions. - The broad range of qualified expenses, including for elementary and secondary school (K-12). - Critical differences between a Coverdell ESA and a 529 Plan, a common point of confusion. - The age restrictions for contributions (must cease at age 18) and distributions (must be used by age 30). For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/srxcAxGJceLG/z39GglKHIG2_rqoIta.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/srxcAxGJceLG/1774762605/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=z39GglKHIG2</video:player_loc>
      <video:duration>211</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-5-dividend-dates</loc>
    <video:video>
      <video:title>Investment 5, Dividend Dates</video:title>
      <video:description>Ex-dividend date determines eligibility for dividends stocks must be purchased before this date to qualify. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1bcolvvQVaMP/WoDXgBKGIq2_qUnVXv.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1bcolvvQVaMP/1774762794/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WoDXgBKGIq2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-12-worthless-securities</loc>
    <video:video>
      <video:title>Tax 12, Worthless Securities</video:title>
      <video:description>Loss deductible in the year securities become worthless artificial sale date is last day of the year. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/YfccgdfQVCmi/qVCqMRerca2_NftUti.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/YfccgdfQVCmi/1774762794/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qVCqMRerca2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-9-wash-sales</loc>
    <video:video>
      <video:title>Tax 9, Wash Sales</video:title>
      <video:description>Losses disallowed if identical securities are acquired within 30 days loss added to new securitys basis. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/WrAIwfaRRihP/WpDWNkfrca2_kekucb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/WrAIwfaRRihP/1774762794/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WpDWNkfrca2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-4-inherited-property-basis</loc>
    <video:video>
      <video:title>Tax 4, Inherited Property Basis</video:title>
      <video:description>Basis is FMV at date of death or alternate valuation date holding period is always long-term. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2fgQpxKQVumb/W_9aM6Lbdq2_jMkVzG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2fgQpxKQVumb/1774762795/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W_9aM6Lbdq2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-21-esops</loc>
    <video:video>
      <video:title>Retirement 21, ESOPs</video:title>
      <video:description>Employee stock ownership plans provide stock to employees, with special rules for voting rights and distributions. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Yxs-xhuQVmpa/qFDXgBLqca2_zQUueH.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Yxs-xhuQVmpa/1774762807/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qFDXgBLqca2</video:player_loc>
      <video:duration>224</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-56-transaction-broker-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 56, Transaction Broker Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The fundamental differences between a non-agent transaction broker and a fiduciary agent. Why transaction brokers are considered neutral facilitators rather than advocates for a specific party. The essential duties that remain mandatory for non-agents including honesty and material defect disclosure. How to distinguish between providing factual information and offering professional advice on the exam. Common pitfalls involving the confusion between transaction brokerage and dual agency. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tbwQpfGIVCKO/W_9HMBLHdq2_kjoJqi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tbwQpfGIVCKO/1774762808/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=W_9HMBLHdq2</video:player_loc>
      <video:duration>236</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-15-retirement-income-pensions-and-annuities</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 15, Retirement Income - Pensions and Annuities</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate between fully and partially taxable pension distributions based on contributions. The step-by-step calculation for the taxable portion of an annuity using the Simplified Method. How to interpret key distribution codes on Form 1099-R, such as Code 1 for early distributions. The most common, testable exceptions to the 10% early withdrawal penalty, including disability and medical expenses. Why a checked Box 2b on Form 1099-R is a critical signal that you must calculate the taxable amount. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2MscFrHQVeha/qp9Hh6LWcr2_OzeRhD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2MscFrHQVeha/1774762960/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qp9Hh6LWcr2</video:player_loc>
      <video:duration>235</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-18-portfolio-performance-measures</loc>
    <video:video>
      <video:title>Investment 18, Portfolio Performance Measures</video:title>
      <video:description>Include Sharpe, Treynor, and Jensens Alpha, evaluating risk-adjusted returns. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/q2oIttGJkyfI/qVDbNkLWJq2_ZGEYjM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/q2oIttGJkyfI/1774762941/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qVDbNkLWJq2</video:player_loc>
      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-2-short-selling</loc>
    <video:video>
      <video:title>Investment 2, Short-Selling</video:title>
      <video:description>Involves selling borrowed stocks hoping to buy them back at a lower price, requiring a margin account. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/t2s6dh17Vaol/rU8qh7eadb2_Lqnabk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/t2s6dh17Vaol/1774762943/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rU8qh7eadb2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/insurance-2-risk-management</loc>
    <video:video>
      <video:title>Insurance 2, Risk Management</video:title>
      <video:description>High frequency/severity risks require avoidance or insurance low severity risks may be retained or reduced. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1MAwgtbRkugR/XE8WNRLqcb2_ENnHjn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1MAwgtbRkugR/1774762942/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XE8WNRLqcb2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-20-child-tax-credit</loc>
    <video:video>
      <video:title>Tax 20, Child Tax Credit</video:title>
      <video:description>2,000 per qualifying child under 17 partially refundable phase-out starts at 400,000 MFJ. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sIgMErGZoaSj/XUDaMkeqcr2_SzxzXu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sIgMErGZoaSj/1774762957/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XUDaMkeqcr2</video:player_loc>
      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-10-personal-residence-gain-exclusion</loc>
    <video:video>
      <video:title>Tax 10, Personal Residence Gain Exclusion</video:title>
      <video:description>Exclude up to 250,000 (500,000 for MFJ) if ownership and use tests are met. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2IAohvfZUmTc/ro9GgRfbdr2_FRIBze.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2IAohvfZUmTc/1774762942/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ro9GgRfbdr2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-21-yield-measures</loc>
    <video:video>
      <video:title>Investment 21, Yield Measures</video:title>
      <video:description>Include coupon rate, current yield, and yield to maturity, each providing different insights into bond returns. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1JtUldH7Qq_J/XE8HhQLXIb2_ueAAoW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1JtUldH7Qq_J/1774763030/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XE8HhQLXIb2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-16-insurance-policy-exchanges-section-1035</loc>
    <video:video>
      <video:title>Tax 16, Insurance Policy Exchanges (Section 1035)</video:title>
      <video:description>Allows tax-free exchanges of life policies and annuities, except annuity for life policy. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/r3pkxvvYRi-P/r-9WMQfHIb2_eskgYX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/r3pkxvvYRi-P/1774763029/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r-9WMQfHIb2</video:player_loc>
      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-5-gifted-property-basis</loc>
    <video:video>
      <video:title>Tax 5, Gifted Property Basis</video:title>
      <video:description>General rule is carryover basis exceptions apply for loss property and appreciated property with gift tax paid. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wNh2ldXIkewR/rEDrNBfXJq2_cXqpjU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wNh2ldXIkewR/1774763029/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rEDrNBfXJq2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-2-cost-basis</loc>
    <video:video>
      <video:title>Tax 2, Cost Basis</video:title>
      <video:description>Original cost basis includes purchase price, FMV of exchanged property, sales tax, freight, installation, and testing costs. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vNpEBxXRQuuO/X_8ahRfbcq2_wgGXPJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vNpEBxXRQuuO/1774763035/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=X_8ahRfbcq2</video:player_loc>
      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-5-defined-benefit-vs-defined-contribution</loc>
    <video:video>
      <video:title>Retirement 5, Defined Benefit vs. Defined Contribution</video:title>
      <video:description>Defined benefit plans promise a specific payout at retirement, while defined contribution plans depend on contributions and investment performance. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Xykwgx0QdaLc/rVCGNBKrdq2_ciNWKQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Xykwgx0QdaLc/1774763040/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rVCGNBKrdq2</video:player_loc>
      <video:duration>225</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-17-capital-asset-pricing-model-capm</loc>
    <video:video>
      <video:title>Investment 17, Capital Asset Pricing Model (CAPM)</video:title>
      <video:description>Relates risk and return using beta, helping in asset pricing and portfolio management. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Exam Prep 2025-2026 (500+ Questions, Investment + Retirement + Tax): https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 Secrets of the CFP Exam Study Guide (Mometrix): https://www.amazon.com/dp/1609713141?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2EtQgrXIda0Q/qECWNBKacX2_ngNvXV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2EtQgrXIda0Q/1774763115/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=qECWNBKacX2</video:player_loc>
      <video:duration>228</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-29-charitable-contributions</loc>
    <video:video>
      <video:title>Tax 29, Charitable Contributions</video:title>
      <video:description>Deduction limits based on AGI and type of property donated carryover allowed for excess contributions. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/uztUwfHIJa2k/WECXNBeqcG2_lDQDLA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/uztUwfHIJa2k/1774763117/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WECXNBeqcG2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-13-section-1244-stock</loc>
    <video:video>
      <video:title>Tax 13, Section 1244 Stock</video:title>
      <video:description>Allows deduction of up to 50,000 (100,000 MFJ) of loss on small business stock as ordinary loss. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Exam Prep 2025-2026 (500+ Questions, Investment + Retirement + Tax): https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2ABEhf1YMyxc/WoCrg6KbdG2_GOxoGu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2ABEhf1YMyxc/1774763117/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WoCrg6KbdG2</video:player_loc>
      <video:duration>228</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-3-adjustments-to-basis</loc>
    <video:video>
      <video:title>Tax 3, Adjustments to Basis</video:title>
      <video:description>Increases include capital improvements decreases include Section 179 and depreciation. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0Dl2cvqJgu-H/WEDWMReacX2_IbPGKB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0Dl2cvqJgu-H/1774763116/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WEDWMReacX2</video:player_loc>
      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-9-5040-test</loc>
    <video:video>
      <video:title>Retirement 9, 50/40 Test</video:title>
      <video:description>Defined benefit plans must cover the lesser of 50 employees or 40% of all employees. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3OhgthfQdq3R/q-9bhBerdW2_DJKdOb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3OhgthfQdq3R/1774763241/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q-9bhBerdW2</video:player_loc>
      <video:duration>226</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-29-investment-companies</loc>
    <video:video>
      <video:title>Investment 29, Investment Companies</video:title>
      <video:description>Include open-end, closed-end, and unit investment trusts, each with unique characteristics. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3OdwFd0JIy3b/WVDWNkLbdH2_svgEND.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/3OdwFd0JIy3b/1774763241/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WVDWNkLbdH2</video:player_loc>
      <video:duration>229</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-8-ordinary-income-rates</loc>
    <video:video>
      <video:title>Tax 8, Ordinary Income Rates</video:title>
      <video:description>Highest rate is 37% applies to ordinary income, Section 1245 recapture, and short-term capital gains. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rSpoobWZgi8H/q_DbNleqcW2_HOxMoY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rSpoobWZgi8H/1774763254/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q_DbNleqcW2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-23-roth-vs-traditional-iras</loc>
    <video:video>
      <video:title>Retirement 23, Roth vs. Traditional IRAs</video:title>
      <video:description>Roth IRAs offer tax-free withdrawals and no required minimum distributions, while traditional IRAs offer tax-deferred growth. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vOhIBrGZhC_c/WpDbhkKbdX2_vxjmJs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vOhIBrGZhC_c/1774763255/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=WpDbhkKbdX2</video:player_loc>
      <video:duration>228</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-25-roth-ira-conversions</loc>
    <video:video>
      <video:title>Retirement 25, Roth IRA Conversions</video:title>
      <video:description>Allow conversion of traditional IRAs to Roth IRAs, with tax implications based on the conversion amount. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qOd6hfaIhevl/q_CGglfGdW2_dbUQcm.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=q_CGglfGdW2</video:player_loc>
      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-10-avoiding-probate</loc>
    <video:video>
      <video:title>Estate Planning 10, Avoiding Probate</video:title>
      <video:description>Achieved through state contract law, life insurance, annuities, and certain account types. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/v8pIxhuQNm8J/qV8Wh7fGdG2_KYXaGM.jpg</video:thumbnail_loc>
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      <video:duration>227</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-10-insurance-guaranty-associations-explained</loc>
    <video:video>
      <video:title>Life Insurance Exam National 10 Insurance Guaranty Associations Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Only admitted insurers are required to be members of state guaranty associations. Funding is derived from assessments on solvent member insurers rather than taxpayers. It is a prohibited trade practice to use the associations existence as a sales inducement. Coverage is capped at specific limits for death benefits and cash values. Investment risks in variable products and surplus lines policies are typically excluded. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1nEowxaYpq-G/XoCGgkfWcG2_FGYQkT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/1nEowxaYpq-G/1774763377/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XoCGgkfWcG2</video:player_loc>
      <video:duration>229</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/insurance-11-life-insurance-types</loc>
    <video:video>
      <video:title>Insurance 11, Life Insurance Types</video:title>
      <video:description>Term life offers temporary coverage whole life provides lifetime protection with cash value. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/s7pMAvvZRuUk/r-CbMBfXcX2_wxNOUk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/s7pMAvvZRuUk/1774763519/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r-CbMBfXcX2</video:player_loc>
      <video:duration>229</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-22-alternative-minimum-tax-amt</loc>
    <video:video>
      <video:title>Tax 22, Alternative Minimum Tax (AMT)</video:title>
      <video:description>Ensures minimum tax payment adjustments and preferences increase taxable income. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/s7tklb1QQaUH/XE8bg7KHcX2_zaPbgg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/s7tklb1QQaUH/1774763513/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=XE8bg7KHcX2</video:player_loc>
      <video:duration>228</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-30-stock-options</loc>
    <video:video>
      <video:title>Retirement 30, Stock Options</video:title>
      <video:description>Include ISOs and NQSOs, providing employees the right to purchase stock at a set price, with specific tax treatments. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tSoowtKJpuvO/roDqhRKGdX2_kehZkn.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tSoowtKJpuvO/1774763513/index.m3u8</video:content_loc>
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      <video:duration>230</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-20-stock-bonus-plans</loc>
    <video:video>
      <video:title>Retirement 20, Stock Bonus Plans</video:title>
      <video:description>Allow employers to contribute stock, with tax benefits for net unrealized appreciation on distributions. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/24kUtxrYoa_R/rUDHMBLXdW2_NbQMNy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/24kUtxrYoa_R/1774763514/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rUDHMBLXdW2</video:player_loc>
      <video:duration>228</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-6-monetary-policy-tools</loc>
    <video:video>
      <video:title>SIE 6, Monetary Policy Tools</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - How the Federal Reserve uses open market operations by buying or selling securities to manage the money supply. - The distinction between the discount rate, set by the Fed, and the market-driven federal funds rate. - Why changing the reserve requirement is the Feds most powerful, but least used, monetary policy tool. - The specific actions the Fed takes to implement expansionary (easy money) versus contractionary (tight money) policies. - A simple mnemonic to remember open market operations: FED BUYS makes the money supply BIGGER, and FED SELLS makes it SMALLER. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3fl2crzsIyLO/r_DXMkfWdW2_dxAcPB.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=r_DXMkfWdW2</video:player_loc>
      <video:duration>230</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-24-yield-curve-theories</loc>
    <video:video>
      <video:title>Investment 24, Yield Curve Theories</video:title>
      <video:description>Explain yield curve shapes based on liquidity preference, market segmentation, and interest rate expectations. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Exam Prep 2025-2026 (500+ Questions, Investment + Retirement + Tax): https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 Secrets of the CFP Exam Study Guide (Mometrix): https://www.amazon.com/dp/1609713141?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/XfloEryANyeI/rVDbN7eWdG2_kezGcp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/XfloEryANyeI/1774763638/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rVDbN7eWdG2</video:player_loc>
      <video:duration>230</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-18-401k-plans</loc>
    <video:video>
      <video:title>Retirement 18, 401(k) Plans</video:title>
      <video:description>Allow employee deferrals, often with employer matching, and are subject to ADP and ACP nondiscrimination tests. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wvlskvDlMCVa/rVDrh6LWdW2_zyqKle.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rVDrh6LWdW2</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-16-trusts-in-estate-planning</loc>
    <video:video>
      <video:title>Estate Planning 16, Trusts in Estate Planning</video:title>
      <video:description>Used for management, creditor protection, and tax avoidance. Types include revocable, irrevocable, and specific trusts like GRATs and QPRTs. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/wbxQEr8cdaMO/rp8WM6ebIH2_zbXsGy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/wbxQEr8cdaMO/1774763638/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=rp8WM6ebIH2</video:player_loc>
      <video:duration>230</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-15-rights-and-warrants</loc>
    <video:video>
      <video:title>SIE 15, Rights and Warrants</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The primary purpose of preemptive rights in protecting existing shareholders from dilution. - How the exercise price for rights is set below the current market price to create immediate value. - The role of warrants as long-term sweeteners, often attached to bonds or preferred stock. - Why warrants are issued with an exercise price above the current market value for future potential gain. - A simple mnemonic to distinguish between short-term rights and long-term warrants for exam day. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vGBIlvDchaKJ/4U9HglLGdr2_TBpKDr.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vGBIlvDchaKJ/1774763774/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=4U9HglLGdr2</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-10-market-indices</loc>
    <video:video>
      <video:title>Investment 10, Market Indices</video:title>
      <video:description>Dow Jones is price-weighted, while S&amp;amp;P 500 is value-weighted, reflecting different market aspects. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/insurance-13-annuities</loc>
    <video:video>
      <video:title>Insurance 13, Annuities</video:title>
      <video:description>Provide periodic payments, with types including immediate, deferred, fixed, and variable, each with unique features. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>232</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/insurance-8-coinsurance-clause</loc>
    <video:video>
      <video:title>Insurance 8, Coinsurance Clause</video:title>
      <video:description>Requires insured to cover a percentage of property value, affecting payout if underinsured. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Y0FsEtSlcihJ/yE8XNkeqJa2_ixYnWp.jpg</video:thumbnail_loc>
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      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-24-ira-contribution-limits</loc>
    <video:video>
      <video:title>Retirement 24, IRA Contribution Limits</video:title>
      <video:description>Contributions are limited by earned income and age, with catch-up contributions allowed for those over 50. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ZKxQAficIqeQ/yECbhRLaIb2_fbwcWt.jpg</video:thumbnail_loc>
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      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-6-will-provisions</loc>
    <video:video>
      <video:title>Estate Planning 6, Will Provisions</video:title>
      <video:description>Survivorship and disclaimer clauses affect inheritance and tax implications. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/s0hEsbnsIqhb/yoDWhBeWJq2_wKCyrj.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yoDWhBeWJq2</video:player_loc>
      <video:duration>231</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fundamentals-6-professionalism</loc>
    <video:video>
      <video:title>Fundamentals 6, Professionalism</video:title>
      <video:description>Requires dignity, courtesy, and appropriate use of CFP marks in professional interactions. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/vhcQwxCtlaSd/4p9XgleXcr2_EtNwyG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/vhcQwxCtlaSd/1774763851/index.m3u8</video:content_loc>
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      <video:duration>232</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fundamentals-10-compensation-models</loc>
    <video:video>
      <video:title>Fundamentals 10, Compensation Models</video:title>
      <video:description>Fee-only, fee-based, and commission structures, with specific disclosure requirements. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (600 Questions + Expert Guidance): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Your Guide to the CFP Certification Exam (Supplement): https://www.amazon.com/dp/1449998321?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/tbwAohzBRaoG/yVDbglKXca2_FYPDKt.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/tbwAohzBRaoG/1774763850/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yVDbglKXca2</video:player_loc>
      <video:duration>232</video:duration>
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  </url>
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    <loc>https://videos.open-exam-prep.com/v/estate-planning-7-power-of-attorney</loc>
    <video:video>
      <video:title>Estate Planning 7, Power of Attorney</video:title>
      <video:description>Allows an agent to act for the principal, ceasing at death. Powers can be general or limited. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sxAMcxydoaoc/y_9rNQKGdq2_YuDPkK.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y_9rNQKGdq2</video:player_loc>
      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-2-unauthorized-practice-of-law</loc>
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      <video:title>Estate Planning 2, Unauthorized Practice of Law</video:title>
      <video:description>Only licensed attorneys can draft legal documents. Planners should refer clients to attorneys for legal advice. CFP Exam Prep Podcast. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>231</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-4-basic-documents</loc>
    <video:video>
      <video:title>Estate Planning 4, Basic Documents</video:title>
      <video:description>Includes wills, durable power of attorney, and advance medical directives to manage assets and healthcare decisions. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qxwssv4BoynR/4_8qN7LaJr2_BwGQuU.jpg</video:thumbnail_loc>
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      <video:duration>232</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/stop-paying-for-exam-prep-free-study-materials-shorts</loc>
    <video:video>
      <video:title>Stop Paying for Exam Prep FREE Study Materials Shorts</video:title>
      <video:description>Why pay 599 for exam prep when you can study FREE? Get FREE practice tests, flashcards, and AI tutoring at open-exam-prep.com We offer FREE exam prep for: SIE Exam Series 7, 63, 65, 66 Life &amp;amp; Health Insurance Property &amp;amp; Casualty Real Estate License And many more! Stop throwing money away. Start studying FREE today. https://open-exam-prep.com examprep freeeducation sie series7 finra shorts studytips</video:description>
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      <video:description>Dont get tricked on your insurance exam! Minimum grace period for life insurance? 30 days (WRONG) 31 days (CORRECT) This is on almost every state insurance exam! Free insurance exam prep: open-exam-prep.com InsuranceExam LifeInsurance ExamPrep Shorts</video:description>
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      <video:description>Combines equity and debt features, providing fixed dividends without maturity dates. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>Investment 12, Coefficient of Variation</video:title>
      <video:description>Assesses risk per unit of return, useful for comparing investments with different returns. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Exam Prep 2025-2026 (500+ Questions, Investment + Retirement + Tax): https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 Secrets of the CFP Exam Study Guide (Mometrix): https://www.amazon.com/dp/1609713141?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>Essential for predicting losses and setting premiums, reducing uncertainty for insurers. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>Must exist at policy inception for life insurance and at both inception and loss for property/liability insurance. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Includes gifts, inheritances, life insurance proceeds, and certain employee benefits. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Gifts are taxed based on FMV at the date of gift. Split gifts and annual exclusions affect tax liability. CFP Exam Prep Podcast. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Allows trust contributions to qualify for annual exclusion by creating a present interest. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Derivative securities providing the right to buy (call) or sell (put) an asset at a specified price. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Protects against pure risks by identifying and transferring risk in areas like home, auto, and health. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Income must be reported expenses not deductible if activity lacks profit motive. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Losses are disallowed buyer has double basis (FMV for losses, sellers basis for gains). -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>234</video:duration>
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      <video:description>Capital, Section 1231, and Ordinary Income Assets. Capital assets include most personal and investment assets, while Section 1231 covers depreciable business property. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Cash value growth within a permanent life insurance policy is tax-deferred until accessed. Withdrawals follow the FIFO (First-In-First-Out) rule, where premiums are returned tax-free first. Any withdrawal amount exceeding the policys cost basis is taxed as ordinary income, never capital gains. Policy loans are generally received tax-free while the policy remains in force, regardless of the cost basis. A policy lapse with an outstanding loan triggers taxation on any loan amount that exceeds the total premiums paid. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>You passed the SIE exam congratulations! But now what? This video walks you through everything that happens after passing the SIE in 2026, including which top-off exam to take next, how to get firm sponsorship, career paths you can pursue, and the timeline to get fully licensed. POST-SIE QUICK FACTS: SIE results valid for: 4 years from passing date Next step: Pass a top-off exam (Series 7, Series 6, or Series 79) Top-off exams require: FINRA member firm sponsorship (Form U4) Series 7 (most popular): General Securities Representative Series 6: Investment Company/Variable Contracts Products Series 79: Investment Banking Representative Series 63/65/66: State registration (often required alongside top-off) Typical timeline to full licensing: 2-6 months after SIE No limit on top-off exam attempts (30-day wait between attempts) Average entry-level financial advisor salary: 60,000-80,000 FREE SIE Practice Questions: https://open-exam-prep.com/exams/sie FREE AI Study Assistant: https://open-exam-prep.com RECOMMENDED STUDY BOOKS: Kaplan SIE License Exam Manual (4th Edition): https://www.amazon.com/dp/107884772X?tag=openexamprep-20 Kaplan SIE Self-Study Package (4th Edition): https://www.amazon.com/dp/1078851123?tag=openexamprep-20 SIE Exam Prep 2025-2026 (510 Questions + 6 Full Exams): https://www.amazon.com/dp/B0CN252KP9?tag=openexamprep-20 Kaplan Series 7 License Exam Manual (2nd Edition): https://www.amazon.com/dp/1078803730?tag=openexamprep-20 AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. SIE SIEExam FINRA Series7 FinancialAdvisor TopOffExam SecuritiesLicense FinanceCareer ExamPrep Free 2026 WallStreet StockBroker InvestmentBanking CareerGuide Timestamps: 0:00 - Introduction 0:07 - Key Facts &amp;amp; Stats 1:46 - Content Breakdown 3:29 - Hardest Topics 5:17 - Study Strategy &amp;amp; Next Steps</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The five requirements for adverse possession using the OCEAN mnemonic. Why permission from the owner is the ultimate trap that defeats a legal claim of hostility. How the concept of tacking allows successive owners to combine their time to meet statutory requirements. The procedural necessity of a quiet title action to establish clear ownership in public records. The critical distinction between gaining legal title and gaining an easement by prescription. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam exam. In this episode you will learn: - The distinct roles of broker-dealers, investment advisers, and market makers. - The definition of an agency transaction, where a firm acts as a broker. - The definition of a principal transaction, where a firm acts as a dealer. - How to identify the compensation for each role: commissions for agents and markups/markdowns for principals. - A mnemonic to remember the difference: ABC (Agent, Broker, Commission). For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/rAkkwbCAkmEd/yp8XN7LWJG2_GzbGuG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/rAkkwbCAkmEd/1774764480/index.m3u8</video:content_loc>
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      <video:duration>235</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-28-property-valuation</loc>
    <video:video>
      <video:title>Investment 28, Property Valuation</video:title>
      <video:description>Uses net operating income and capitalization rate to determine property value. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Exam Prep 2025-2026 (500+ Questions, Investment + Retirement + Tax): https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 Secrets of the CFP Exam Study Guide (Mometrix): https://www.amazon.com/dp/1609713141?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0AcMwhyspuEd/4_9qNQeXJH2_xbGJtO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/0AcMwhyspuEd/1774764483/index.m3u8</video:content_loc>
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      <video:duration>236</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-14-beta</loc>
    <video:video>
      <video:title>Investment 14, Beta</video:title>
      <video:description>Measures systematic risk, or sensitivity to market movements, relative to the market. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>234</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-27-gross-income-inclusions</loc>
    <video:video>
      <video:title>Tax 27, Gross Income Inclusions</video:title>
      <video:description>Includes compensation, business income, interest, dividends, and certain fringe benefits. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/xAokxr4lVu8P/4_9XNQKGIH2_ycrjKt.jpg</video:thumbnail_loc>
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      <video:duration>234</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-13-fee-simple-defeasible-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 13, Fee Simple Defeasible Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The definition of fee simple defeasible and how ownership can be terminated. How to identify fee simple determinable through durational language like so long as and its automatic reversion. The requirements for fee simple subject to condition subsequent, including the need for legal action. The difference between the possibility of reverter and the right of re-entry. Mnemonic devices and word triggers to correctly identify estate types on the national exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/WoEoxxydVexj/zoCqNReadG2_QHNEiy.jpg</video:thumbnail_loc>
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      <video:duration>313</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-25-bond-immunization</loc>
    <video:video>
      <video:title>Investment 25, Bond Immunization</video:title>
      <video:description>Strategy that matches bond durations to investment time horizons to reduce interest rate risk. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>236</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/insurance-14-health-insurance</loc>
    <video:video>
      <video:title>Insurance 14, Health Insurance</video:title>
      <video:description>Major medical covers hospitalization and physician fees, with deductibles and coinsurance affecting costs. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/0VpcotSAoyhP/zE8XNRfGJG2_nfJvoT.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=zE8XNRfGJG2</video:player_loc>
      <video:duration>234</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-12-top-heavy-plans</loc>
    <video:video>
      <video:title>Retirement 12, Top-Heavy Plans</video:title>
      <video:description>Require additional contributions for non-key employees if key employees hold more than 60% of plan assets. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>236</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-10-highly-compensated-employees</loc>
    <video:video>
      <video:title>Retirement 10, Highly Compensated Employees</video:title>
      <video:description>Defined as owning more than 5% of the company or earning over a specified amount, affecting plan testing. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 Retirement Planning Guidebook: Navigating Important Decisions: https://www.amazon.com/dp/1945640154?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>235</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/fundamentals-2-financial-advice-definition</loc>
    <video:video>
      <video:title>Fundamentals 2, Financial Advice Definition</video:title>
      <video:description>Recommendations on financial plans, asset management, and professional services. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/u7BoEvOAkuVQ/5oDHhAfGJW2_VpfQKY.jpg</video:thumbnail_loc>
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      <video:duration>236</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-11-standard-deviation</loc>
    <video:video>
      <video:title>Investment 11, Standard Deviation</video:title>
      <video:description>Measures total risk of a portfolio, indicating volatility and risk level. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qwpYhdz7NCeb/5V9WN7fHJH2_NEJCOQ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/qwpYhdz7NCeb/1774764783/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=5V9WN7fHJH2</video:player_loc>
      <video:duration>237</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-26-simple-plans</loc>
    <video:video>
      <video:title>Retirement 26, SIMPLE Plans</video:title>
      <video:description>Designed for small employers, allowing employee deferrals and employer contributions, with specific eligibility and contribution limits. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/trtAhbS7cqhd/5_DrNQfXJX2_GYzuFp.jpg</video:thumbnail_loc>
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      <video:duration>236</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-16-social-security-integration</loc>
    <video:video>
      <video:title>Retirement 16, Social Security Integration</video:title>
      <video:description>Allows plans to provide additional benefits to employees earning above the Social Security wage base. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/fundamentals-5-continuing-education</loc>
    <video:video>
      <video:title>Fundamentals 5, Continuing Education</video:title>
      <video:description>CFP certificants must complete 30 hours every two years, including ethics training. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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    <video:video>
      <video:title>Estate Planning 9, Probate</video:title>
      <video:description>Legal process of retitling assets, with advantages like clear title but disadvantages like cost and publicity. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-01-introduction-to-individual-taxation</loc>
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      <video:title>Enrolled Agent Exam Part 1 01, Introduction to Individual Taxation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The crucial calculation for Adjusted Gross Income (AGI) and its role on the exam. How to identify above-the-line adjustments versus below-the-line itemized deductions. The three-part test for Head of Household status, especially in post-divorce scenarios. The two-year rule and remarriage restriction for Qualifying Widow(er) status. A simple mnemonic to remember the time limit and rules for Qualifying Widow(er) status. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-6-stock-splits</loc>
    <video:video>
      <video:title>Investment 6, Stock Splits</video:title>
      <video:description>Increase shares and reduce stock price, affecting the number of shares and price per share post-split. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Exam Prep 2025-2026 (500+ Questions, Investment + Retirement + Tax): https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 Secrets of the CFP Exam Study Guide (Mometrix): https://www.amazon.com/dp/1609713141?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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    <loc>https://videos.open-exam-prep.com/v/insurance-18-long-term-care</loc>
    <video:video>
      <video:title>Insurance 18, Long Term Care</video:title>
      <video:description>Covers various care types, with tax-deductible premiums and benefits for qualified policies. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>Estate Planning 20, Special Use Valuation</video:title>
      <video:description>Section 2032A allows valuation of property based on current use rather than highest and best use, with specific conditions and limitations. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Unlimited deductions for transfers between spouses and to qualified charities. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Mandates essential benefits, prohibits lifetime limits, and offers plan categories like Bronze and Silver. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>20% deduction on qualified business income subject to income thresholds and limitations. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Offer benefits to select employees without the restrictions of qualified plans, often involving deferred compensation. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Offers flexible premiums and death benefits, with cash value used to cover costs. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>MYTH: Pre-existing conditions are never covered Free Life &amp;amp; Health exam prep Free Life &amp;amp; Health Insurance exam prep: https://open-exam-prep.com/exams/life-health Recommended Study Materials: Life &amp;amp; Health Insurance License Mastery 2025-2026 (500 Questions): https://www.amazon.com/dp/1764327136?tag=openexamprep-20 Life and Health Insurance Study Guide 2025-2026 (645 Questions): https://www.amazon.com/dp/B0DPNCBKJJ?tag=openexamprep-20 Life and Health Insurance License Exam Prep 2025-2026: https://www.amazon.com/dp/B0DNXQGWZB?tag=openexamprep-20 lifehealthExam ExamPrep StudyTips Free Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>Assumes markets efficiently reflect all available information, making consistent outperformance challenging. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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    <video:video>
      <video:title>Investment 16, Modern Portfolio Theory</video:title>
      <video:description>Focuses on maximizing returns for a given risk level, using concepts like the efficient frontier. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>240</video:duration>
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    <video:video>
      <video:title>Insurance 17, COBRA Coverage</video:title>
      <video:description>Allows continuation of group health coverage after employment changes, with specific eligibility criteria. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>239</video:duration>
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    <video:video>
      <video:title>Insurance 6, Exclusions and Riders</video:title>
      <video:description>Exclusions specify non-covered events riders modify coverage, affecting premiums and benefits. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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    <video:video>
      <video:title>Insurance 5, Agent vs. Broker</video:title>
      <video:description>Agents represent insurers, while brokers represent policyholders, impacting policy negotiations. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>Retirement 2, FIRE Variants</video:title>
      <video:description>Lean FIRE involves minimalistic living, Barista FIRE includes part-time work, and Fat FIRE allows for a more luxurious lifestyle. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>239</video:duration>
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  <url>
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    <video:video>
      <video:title>Insurance 7, Valuation Methods</video:title>
      <video:description>Replacement cost, actual cash value, and agreed value determine compensation for insured losses. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>240</video:duration>
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      <video:title>Retirement 13, Plan Limits</video:title>
      <video:description>Contribution limits for defined contribution plans are capped at the lesser of 100% of compensation or a specified dollar amount. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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    <video:video>
      <video:title>Fundamentals 20, Education Savings Plans</video:title>
      <video:description>529 plans, Coverdell ESAs, and Roth IRAs offer tax advantages for education funding. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>240</video:duration>
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    <video:video>
      <video:title>Fundamentals 17, Monetary Policy Tools</video:title>
      <video:description>Federal Reserve uses reserve requirements, discount rates, open market operations, and excess reserve rates. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (600 Questions + Expert Guidance): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Your Guide to the CFP Certification Exam (Supplement): https://www.amazon.com/dp/1449998321?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>241</video:duration>
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    <video:video>
      <video:title>Estate Planning 15, Applicable Exclusion Amount</video:title>
      <video:description>Lifetime credit against estate and gift taxes, with specific calculations for taxable amounts. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>SIE 14, Types of Preferred Stock</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The key features of cumulative preferred stock and how dividend arrears are handled. - The characteristics of callable preferred stock and why it benefits the issuer. - How convertible preferred stock allows investors to switch to common stock and its impact on yield. - The unique advantage of participating preferred stock in sharing extra corporate profits. - How to identify which features favor the investor versus the corporation and common exam question formats. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>242</video:duration>
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  </url>
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    <loc>https://videos.open-exam-prep.com/v/investment-27-convertible-bonds</loc>
    <video:video>
      <video:title>Investment 27, Convertible Bonds</video:title>
      <video:description>Bonds convertible into predetermined shares, offering potential for equity upside. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Exam Prep 2025-2026 (500+ Questions, Investment + Retirement + Tax): https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 Secrets of the CFP Exam Study Guide (Mometrix): https://www.amazon.com/dp/1609713141?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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    <loc>https://videos.open-exam-prep.com/v/investment-3-margin-requirements</loc>
    <video:video>
      <video:title>Investment 3, Margin Requirements</video:title>
      <video:description>Initial margin is the equity needed to start a trade maintenance margin is the minimum equity to avoid a margin call. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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    <video:video>
      <video:title>Insurance 16, HSA Eligibility</video:title>
      <video:description>Requires high deductible health plan, with tax-free distributions for qualified medical expenses. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/estate-planning-8-methods-to-transfer-property</loc>
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      <video:title>Estate Planning 8, Methods to Transfer Property</video:title>
      <video:description>Includes operation of law, contract, trust, probate, and intestate succession. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>SIE 17, Bond Pricing and Yields</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The inverse relationship between bond prices and interest rates, often compared to a seesaw. - How to calculate a bonds Current Yield and why it differs from the fixed coupon rate. - The key differences between Current Yield (CY), Yield to Maturity (YTM), and Yield to Call (YTC). - A simple rule, The Coupon is your Compass, for ranking yields on discount bonds (coupon is lowest). - How to use the same rule for ranking yields on premium bonds (coupon is highest) and avoid common exam traps. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>243</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-9-investment-policy-statement</loc>
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      <video:title>Investment 9, Investment Policy Statement</video:title>
      <video:description>Guides investment decisions by outlining client objectives, risk tolerance, and constraints. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>243</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/tax-25-section-179-deduction</loc>
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      <video:title>Tax 25, Section 179 Deduction</video:title>
      <video:description>Immediate expensing of up to 1,220,000 of business property reduced by property exceeding 3,050,000. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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    <video:video>
      <video:title>Retirement 27, 403(b) Plans</video:title>
      <video:description>Available to public schools and certain nonprofits, with unique contribution limits and catch-up provisions. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>Fundamentals 4, Code of Ethics</video:title>
      <video:description>Includes honesty, integrity, client best interests, due care, conflict management, and confidentiality. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The definition of appurtenances and why they run with the land. The distinction between fructus industriales and fructus naturales. How the rule of emblements protects tenant farmers personal property rights. Common exam traps regarding fruit trees versus annual field crops. Why appurtenant easements transfer automatically during property sales. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/2ZsoclGBdChl/yx0jhQKWcb2_hTsjJX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/2ZsoclGBdChl/1774765998/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=yx0jhQKWcb2</video:player_loc>
      <video:duration>312</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/insurance-19-disability-insurance</loc>
    <video:video>
      <video:title>Insurance 19, Disability Insurance</video:title>
      <video:description>Provides income replacement, with definitions like own occupation affecting coverage and premiums. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/sNgwFj0tgumQ/y30zNBKGIr2_fXnEIE.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/sNgwFj0tgumQ/1774765960/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y30zNBKGIr2</video:player_loc>
      <video:duration>243</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-28-457-plans</loc>
    <video:video>
      <video:title>Retirement 28, 457 Plans</video:title>
      <video:description>Nonqualified deferred compensation plans for government and tax-exempt entities, with special catch-up provisions. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>243</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-22-distribution-rules</loc>
    <video:video>
      <video:title>Retirement 22, Distribution Rules</video:title>
      <video:description>Qualified plans have specific rules for distributions, including penalties for early withdrawals and required minimum distributions. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/qNsgABWBcyeR/4x1ih7fWIr2_wkqZPW.jpg</video:thumbnail_loc>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/retirement-14-pension-plan-types</loc>
    <video:video>
      <video:title>Retirement 14, Pension Plan Types</video:title>
      <video:description>Include defined benefit, cash balance, money purchase, and target benefit plans, each with unique funding and benefit structures. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/03ksspHsJehO/4x1PMkeGIq2_JrMUoc.jpg</video:thumbnail_loc>
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    <video:video>
      <video:title>Fundamentals 7, Fiduciary Duty</video:title>
      <video:description>CFP professionals must act in the best interest of clients, adhering to fiduciary standards. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>243</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-30-deduction-clustering</loc>
    <video:video>
      <video:title>Tax 30, Deduction Clustering</video:title>
      <video:description>Strategy to maximize deductions by alternating between itemized and standard deductions annually. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/1dBEwpfcpmDQ/zMviM7LWIq2_lRXVah.jpg</video:thumbnail_loc>
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      <video:duration>245</video:duration>
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  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fundamentals-8-conflict-of-interest</loc>
    <video:video>
      <video:title>Fundamentals 8, Conflict of Interest</video:title>
      <video:description>Must disclose and manage conflicts, including compensation and product limitations. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>245</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/fundamentals-1-ethics-emphasis</loc>
    <video:video>
      <video:title>Fundamentals 1, Ethics Emphasis</video:title>
      <video:description>Heavy focus on ethics, communication, and professional conduct in financial planning scenarios. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>244</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/estate-planning-11-types-of-property-ownership</loc>
    <video:video>
      <video:title>Estate Planning 11, Types of Property Ownership</video:title>
      <video:description>Sole ownership, tenants in common, JTWROS, tenants by the entirety, and community property have different probate and tax implications. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>243</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-04-delegation-and-supervision</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 04, Delegation and Supervision</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Master the Five Rights of Delegation: Right Task, Circumstance, Person, Direction, and Supervision. Never delegate tasks involving clinical judgment, such as Evaluation, Assessment, or Teaching (remember the mnemonic EAT). Differentiate between the scopes of practice for LPNs (stable patients, predictable outcomes) and UAPs (standard, unchanging procedures). Recognize that patient stability is the most critical factor in NCLEX delegation scenarios unstable patients always require direct RN care. Understand that the RN retains ultimate accountability for all delegated tasks and must provide appropriate supervision. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/3dhohj1ARe1j/zxuzMReqcq2_mHDPXe.jpg</video:thumbnail_loc>
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      <video:duration>243</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/sie-20-government-agency-securities</loc>
    <video:video>
      <video:title>SIE 20, Government Agency Securities</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The key differences between GNMA, FNMA, and FHLMC. - Why GNMA securities are considered free from credit risk. - How mortgage-backed securities pass payments from homeowners to investors. - What prepayment risk is and why it occurs when interest rates fall. - How to identify common traps and question types related to agency securities on the exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>247</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/tax-15-involuntary-conversions-section-1033</loc>
    <video:video>
      <video:title>Tax 15, Involuntary Conversions (Section 1033)</video:title>
      <video:description>Defers gain if proceeds are reinvested in similar property within specified time. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>245</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/tax-14-section-1202-stock</loc>
    <video:video>
      <video:title>Tax 14, Section 1202 Stock</video:title>
      <video:description>Excludes 50%, 75%, or 100% of gain on qualifying small business stock based on acquisition date. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions, All Domains): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Exam Prep 2025-2026 (500+ Questions, Investment + Retirement + Tax): https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:duration>248</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/fundamentals-18-fiscal-policy-tools</loc>
    <video:video>
      <video:title>Fundamentals 18, Fiscal Policy Tools</video:title>
      <video:description>Congress influences economic growth, price stability, and employment through taxation, spending, and debt management. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this video to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>248</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/estate-planning-19-installment-payments-of-estate-tax</loc>
    <video:video>
      <video:title>Estate Planning 19, Installment Payments of Estate Tax</video:title>
      <video:description>Sections 6166 &amp;amp; 6161 allow for extended payment periods for closely held business interests. Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>249</video:duration>
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    <video:video>
      <video:title>Real Estate Exam National 01, Fixtures and the MARIA Test Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How to distinguish between personal property and real property using the five elements of the MARIA acronym. Why the intention of the person who attached an item is legally considered the most important factor. The difference between residential fixtures and commercial trade fixtures in a licensing exam context. How to identify common exam distractors such as item cost and time of purchase. Why written agreements in the sales contract override standard fixture classification rules. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=y31ONkKHdH2</video:player_loc>
      <video:duration>250</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/sie-19-us-treasury-securities</loc>
    <video:video>
      <video:title>SIE 19, U.S. Treasury Securities</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - Differentiating T-bills, T-notes, and T-bonds by maturity and interest payment structure. - How to interpret and calculate the price of T-notes and T-bonds quoted in 32nds. - The unique tax treatment of U.S. Treasury securities: federally taxable but exempt from state and local taxes. - Understanding how Treasury Inflation-Protected Securities (TIPS) work and the concept of phantom income. - The key characteristics of Treasury securities, including their high safety and liquidity. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>250</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/investment-8-money-market-securities</loc>
    <video:video>
      <video:title>Investment 8, Money Market Securities</video:title>
      <video:description>Include CDs, Treasury Bills, and commercial paper, each providing short-term liquidity with low risk. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:duration>250</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/retirement-19-safe-harbor-401k</loc>
    <video:video>
      <video:title>Retirement 19, Safe Harbor 401(k)</video:title>
      <video:description>Avoids ADP and ACP testing by providing a minimum employer contribution that is fully vested. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Involves accumulation, management, conservation, and transfer of wealth considering legal, tax, and personal objectives. Effective and efficient transfers are crucial. -- Open Exam Prep Podcast. More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>Real Estate Exam National 10, Water Rights Riparian and Littoral Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The fundamental difference between riparian rights for flowing water and littoral rights for stationary water. How to determine property boundaries for navigable versus non-navigable rivers. The core principles of the doctrine of prior appropriation and the role of state permits. Definitions and exam applications for land changes including accretion, erosion, avulsion, and reliction. Effective mnemonics and mental shortcuts to distinguish between various water-related legal concepts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The definitions of par value, coupon rate, and maturity date for corporate bonds. - The fundamental inverse relationship between market interest rates and existing bond prices. - Why a bonds price decreases to trade at a discount when interest rates rise. - Why a bonds price increases to trade at a premium when interest rates fall. - How to use the Interest Rate Seesaw as a mental model to remember this key concept. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:description>Includes stocks, bonds, derivatives, and pooled investments, each offering different risk and return profiles. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/ Recommended Study Materials: CFP Study Guide 2025-2026 (1650+ Questions + 10 Practice Tests): https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 CFP Study Guide 2025-2026 (1500+ Questions + 10 Full Exams): https://www.amazon.com/dp/B0G59GC2DX?tag=openexamprep-20 CFP Study Guide 2025-2026 (900 Questions, All-in-One): https://www.amazon.com/dp/B0FZVVGXSS?tag=openexamprep-20 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>Insurance is regulated at the state level, with NAIC providing model legislation but no direct authority. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>Retirement 3, Qualified Plans</video:title>
      <video:description>Include pension and profit-sharing plans, with specific types like 401(k), ESOPs, and cash balance plans. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>Real Estate Exam National 08, Lot and Block System Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam real estate exam. In this episode you will learn: The lot and block system is primarily used for high-density urban and suburban subdivisions. A plat map must be approved by local government and recorded in public records to be legally valid. A complete legal description includes the lot number, block number, subdivision name, county, and state. The Big Blocks hold Little Lots mnemonic helps distinguish between the two primary units of measurement. The recorded plat method replaces previous descriptions like metes and bounds for individual parcel sales. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The primary investment objectives of the four main mutual fund types: equity, bond, balanced, and money market funds. - How to differentiate between various sub-types, such as growth stock funds and income bond funds. - The core difference between active management and the passive management approach of index funds. - Common suitability questions on the SIE exam, matching investor profiles to the correct fund type. - Key traps to avoid, like confusing money market funds with FDIC-insured bank accounts and understanding the varying risk levels within bond funds. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
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      <video:duration>268</video:duration>
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      <video:description>Governed by acts like the Securities Act of 1933 and 1934, regulating primary and secondary markets. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Defined benefit and cash balance plans require actuarial calculations to determine funding needs. -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:description>Traditional retirement involves ceasing work at a standard age, while alternative retirement includes strategies like FIRE (Financial Independence Retire Early). -- The CFP Exam is known for its difficulty, and as I embark on this learning journey, Ive found it to be quite challenging. I created this podcast to document my study notes, and I hope you find them helpful in your own preparation. -- More Exam Prep Content Visit: https://open-exam-prep.com/</video:description>
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      <video:title>Life Insurance Exam National 07 Unfair Claims Settlement Practices Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: How to identify the misrepresentation of policy provisions designed to avoid paying valid claims. The legal requirements for insurers to acknowledge and respond to claim communications promptly. Why denying a claim without a thorough and documented investigation is an unfair trade practice. The definition of compelling litigation and how lowball settlement offers trigger regulatory violations. The necessity of providing clear and specific explanations for every claim denial issued to a beneficiary. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Life Insurance Exam National 05 Continuing Education Requirements Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam. In this episode you will learn: Producers must complete 24 hours of CE every biennial renewal period. A minimum of 3 ethics-specific hours is required as part of the total 24-hour mandate. Specialized products like annuities and long-term care require unique certification and refresher courses. Licensees are personally responsible for tracking and verifying that their CE credits are reported to the state. Failure to meet CE deadlines results in a lapsed license and the immediate prohibition of insurance transactions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam real estate exam. In this episode you will learn: Trade fixtures are legally classified as personal property or chattel despite physical attachment to a structure. The primary distinction of a trade fixture is its installation by a commercial tenant for business-specific use. Failure to remove trade fixtures before the lease expiration results in the landlord gaining ownership via accession. Tenants maintain a legal obligation to repair any property damage caused by the removal of their trade fixtures. On the national exam, keywords like commercial and business equipment signal the application of trade fixture rules over standard fixture tests. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Life Insurance Exam National 01 NAIC and Model Laws Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam Life Insurance exam. In this episode you will learn: The definition of the NAIC as a voluntary organization coordinating state-based regulation. The difference between NAIC model laws and actual state legislative mandates. How the NIPR and Producer Database facilitate interstate licensing and regulatory transparency. The role of the NAIC in setting uniform financial reporting and solvency standards. Critical exam traps regarding the NAICs lack of federal authority and enforcement power. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>Remember L-C-F for fiduciary duty. Loyalty, Care, Follow client instructions. These are the three components every CFP must uphold when giving financial advice. Why this matters: The exam loves testing fiduciary duty. Get this wrong and youll miss multiple questions. Free CFP exam prep: https://open-exam-prep.com/exams/cfp CFPExam FinancialPlanning ExamPrep StudyTips CFPExam</video:description>
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      <video:description>This free 2026 CJBAT study guide explains everything you need to pass Floridas Criminal Justice Basic Abilities Test for law enforcement (LEO) and corrections (CO) roles. We cover the 97-question format, the critical two-part passing rule that trips up many candidates, a breakdown of all three test sections, and a 4-6 week study plan. Learn the difference between the current IO Solutions test and outdated Morris &amp;amp; McDaniel guides. Start your free practice at open-exam-prep.com. Full blog guide: https://open-exam-prep.com/blog/cjbat-criminal-justice-basic-abilities-guide-2026 Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:38 - Scene 2 1:07 - Scene 3 1:41 - Scene 4 2:10 - Scene 5 2:42 - Scene 6 3:16 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CJBAT Secrets Study Guide: CJBAT Practice Questions and Review for the Florida Criminal Justice Basic Abilities Test: https://www.amazon.com/dp/1516705041?tag=openexamprep-20 - CJBAT Study Guide Florida: Practice Exams and CJBAT Test Prep Book for Law Enforcement and Correctional Officers: 3rd Edition: https://www.amazon.com/dp/1637752156?tag=openexamprep-20 - CJBAT Study Guide: Efficiency-Focused Strategies and Accelerated Content Review Modules for Busy Career Changers + 485 Q&amp;amp;As with Detailed Explanations (5 Full-Length Tests): https://www.amazon.com/dp/B0FHFQBBSC?tag=openexamprep-20</video:description>
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      <video:description>Complete Washington real estate broker exam study guide for 2026! Learn DOL requirements, exam format, unique broker terminology, and strategies to get your WA real estate license. What youll learn: 00:00 - Washington Real Estate Overview 00:30 - Exam Format (140 questions) 01:00 - WA Requirements 01:30 - Content Breakdown 02:00 - WA-Specific Topics (Broker Terminology!) 02:30 - Study Tips &amp;amp; Free Resources FREE WA Real Estate Practice: https://open-exam-prep.com/exams/wa-real-estate Full Blog Guide: https://open-exam-prep.com/blog/washington-real-estate-exam-guide-2026 Key Facts: - 140 questions, 4 hours - 70% passing score on each section - 90 hours pre-license education - Uses broker not salesperson terminology WashingtonRealEstate WARealEstate SeattleRealEstate RealEstateLicense RealEstateExam Washington 2026</video:description>
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      <video:description>Complete Pennsylvania real estate exam study guide for 2026! Learn SREC requirements, exam format, Consumer Notice rules, and strategies to get your PA real estate license. What youll learn: 00:00 - Pennsylvania Real Estate Overview 00:30 - Exam Format (120 questions) 01:00 - PA Requirements 01:30 - Content Breakdown 02:00 - PA-Specific Topics (Consumer Notice!) 02:30 - Study Tips &amp;amp; Free Resources FREE PA Real Estate Practice: https://open-exam-prep.com/exams/pa-real-estate Full Blog Guide: https://open-exam-prep.com/blog/pennsylvania-real-estate-exam-guide-2026 Key Facts: - 120 questions, 4 hours - 75% passing score (higher than most states!) - 75 hours pre-license education - Consumer Notice required Recommended Study Materials: Real Estate License Exam Prep 2025-2026 (2,500+ Questions + 10 Tests): https://www.amazon.com/dp/B0FFBNSBBY?tag=openexamprep-20 PSI Real Estate Exam Prep 2025-2026 (3 Practice Tests): https://www.amazon.com/dp/1516728475?tag=openexamprep-20 Real Estate License Exams For Dummies: https://www.amazon.com/dp/1118572831?tag=openexamprep-20 PennsylvaniaRealEstate PARealEstate SREC RealEstateLicense RealEstateExam Pennsylvania 2026 Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.</video:description>
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      <video:description>Dollar-cost averaging is an investment strategy of investing a fixed dollar amount at regular intervals regardless of price, reducing the impact of volatility over time. Learn more about Dollar-Cost Averaging and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Dollar-Cost Averaging definition: https://www.open-exam-prep.com/glossary/dollar-cost-averaging Exam Tip: DCA = fixed DOLLARS, varying shares. Reduces average cost in volatile markets. --- general examprep financeexam sie series6 series7 series65 series66</video:description>
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      <video:title>What is Diversification? SIE, SERIES6, SERIES7, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Diversification is an investment strategy that spreads investments across various assets, sectors, or geographic regions to reduce risk without necessarily sacrificing returns. Learn more about Diversification and other key terms for your SIE, SERIES6, SERIES7, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES6, SERIES7, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Diversification definition: https://www.open-exam-prep.com/glossary/diversification Exam Tip: Diversification reduces UNSYSTEMATIC (company) risk, NOT systematic (market) risk. --- general examprep financeexam sie series6 series7 series65 series66</video:description>
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      <video:description>Actual Cash Value is a property valuation method that equals replacement cost minus depreciation, representing what property is worth today after accounting for wear and tear. Learn more about Actual Cash Value (ACV) and other key terms for your PROPERTY-CASUALTY, LIFE-HEALTH exam at Open Exam Prep. This term appears on: PROPERTY-CASUALTY, LIFE-HEALTH Full glossary: https://www.open-exam-prep.com/glossary Actual Cash Value (ACV) definition: https://www.open-exam-prep.com/glossary/actual-cash-value Exam Tip: ACV = Replacement Cost MINUS Depreciation. Pays LESS than replacement cost. Common on HO-2 policies. --- insurance examprep financeexam property-casualty life-health</video:description>
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      <video:description>Rule 145 governs securities issued in business combination transactions (mergers, acquisitions, reclassifications), determining when a registration statement is required for shareholders receiving new securities. Learn more about Rule 145 and other key terms for your SIE, SERIES7 exam at Open Exam Prep. This term appears on: SIE, SERIES7 Full glossary: https://www.open-exam-prep.com/glossary Rule 145 definition: https://www.open-exam-prep.com/glossary/rule-145 Exam Tip: Rule 145 = M&amp;amp;A transactions requiring shareholder vote = registration required. Affiliates have same restrictions as Rule 144. --- securities examprep financeexam sie series7</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How comprehensive major medical plans simplified insurance by combining basic and major medical coverage into a single policy. - The function of the single, unified deductible that replaced the older, more confusing corridor deductible system. - How a unified coinsurance percentage applies to most expenses after the deductible is met. - The common exam trap of first-dollar coverage for preventive care, even when a main deductible exists. - Why these plans offer broad protection against catastrophic loss through high maximum benefits and wide-ranging coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OboGRFKlQ6u5/CAqCNdK5c52_uZnvZs.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OboGRFKlQ6u5/1778627597/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CAqCNdK5c52</video:player_loc>
      <video:duration>145</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-8-specimen-labeling-at-bedside</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 8, Specimen Labeling at Bedside</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - To always label specimens immediately after collection, at the patients bedside, before leaving their presence. - That the five essential elements on a specimen label are the patients full name, a second unique identifier, the date, the time, and the collectors initials. - Why pre-labeling tubes before a blood draw is a critical error and a common exam trap. - How a mislabeled specimen leading to a major transfusion reaction is classified as a sentinel event by The Joint Commission. - The mnemonic L.A.B. P.I. to recall that you must Label At Bedside with the Patients name/ID and your Initials/Info. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QfweVFukpQ_B/8Bq8NIeiJO2_VzEUjk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QfweVFukpQ_B/1778627598/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Bq8NIeiJO2</video:player_loc>
      <video:duration>148</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-02-trela-and-commissioners-rules</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 02, TRELA and Commissioners Rules</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - TRELA is the foundational state law for Texas real estate, created by the State Legislature, not TREC. - The Commissioners Rules are administrative rules created by TREC to implement and enforce TRELA. - The difference between a statute (TRELA) and an administrative rule (TREC Rules) is a common exam topic. - TRECs enforcement powers include license suspension or revocation and assessing administrative penalties up to 5,000 per violation. - A frequent exam trap is to confuse TRECs administrative powers with criminal penalties TREC cannot sentence a licensee to jail. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QrwiRBvdlYDy/CBWChYKzJP2_WdFztW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QrwiRBvdlYDy/1778627610/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CBWChYKzJP2</video:player_loc>
      <video:duration>149</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/what-is-regulation-d-reg-d-sie-series7-series63-series65-series66-exam-prep</loc>
    <video:video>
      <video:title>What is Regulation D (Reg D)? SIE, SERIES7, SERIES63, SERIES65, SERIES66 Exam Prep</video:title>
      <video:description>Regulation D provides exemptions from SEC registration for private placements, allowing companies to raise capital by selling securities to accredited investors without the cost and time of a full public offering. Learn more about Regulation D (Reg D) and other key terms for your SIE, SERIES7, SERIES63, SERIES65, SERIES66 exam at Open Exam Prep. This term appears on: SIE, SERIES7, SERIES63, SERIES65, SERIES66 Full glossary: https://www.open-exam-prep.com/glossary Regulation D (Reg D) definition: https://www.open-exam-prep.com/glossary/reg-d Exam Tip: Reg D = private placement exemption. 506(b) = no advertising, can have 35 non-accredited. 506(c) = advertising OK but verify all accredited. --- securities examprep financeexam sie series7 series63 series65 series66</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OtEq7jftQQ2y/ClqnMZeyIO2_WCCpIC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OtEq7jftQQ2y/1778627639/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ClqnMZeyIO2</video:player_loc>
      <video:duration>147</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-22-what-licensees-can-and-cannot-do-with-forms</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 22, What Licensees Can and Cannot Do With Forms</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That licensees are only permitted to fill in the blanks of TREC-promulgated forms with factual statements and business details. - How to properly use the Special Provisions (Paragraph 11) section without engaging in the unauthorized practice of law. - That altering, striking through, or adding legal language to the pre-printed text of a contract is strictly forbidden. - Why you must always refer clients to a licensed attorney for legal advice, contract modifications, or custom document drafting. - The severe penalties for the unauthorized practice of law in Texas, including license revocation and potential criminal charges. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OfASMlLtl2FY/D6qnMdKzJ52_AhGBBF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OfASMlLtl2FY/1778627605/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=D6qnMdKzJ52</video:player_loc>
      <video:duration>160</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-42-capital-asset-pricing-model</loc>
    <video:video>
      <video:title>Series 65 42, Capital Asset Pricing Model</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to calculate a securitys expected return using the Capital Asset Pricing Model (CAPM) formula. - The roles of the risk-free rate, beta, and the market risk premium in the CAPM calculation. - Why the Security Market Line (SML) is the graphical representation of CAPM. - How to use the SML to determine if a security is undervalued, overvalued, or fairly valued. - To identify common distractor information, like standard deviation, in Series 65 CAPM questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UfAm7lfkk6vA/DkX9NcfjIP2_wqoQYZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UfAm7lfkk6vA/1778627609/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DkX9NcfjIP2</video:player_loc>
      <video:duration>156</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-2-anatomy-of-arm-veins-and-site-selection</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 2, Anatomy of Arm Veins and Site Selection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why the median cubital vein is the primary choice for venipuncture due to its stability, size, and low risk. - The precise anatomical risks of using the basilic vein, including its close proximity to the brachial artery and median nerve. - How to differentiate between the cephalic (lateral/thumb side) and basilic (medial/pinky side) veins in the antecubital fossa. - The difference between the common H-pattern and M-pattern vein layouts and why palpation is key. - How the exam tests site selection by focusing on patient safety and the anatomical reasons for the standard order of vein preference. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UtEG6n1sVYFW/DQX9hsLjIP2_YgpAhl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UtEG6n1sVYFW/1778627643/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DQX9hsLjIP2</video:player_loc>
      <video:duration>160</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-13-intermediary-relationship-basics</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 13, Intermediary Relationship Basics</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Intermediary is the Texas-specific alternative to dual agency, applying when one brokerage represents both buyer and seller. - Acting as an intermediary is only legal with explicit written consent from both parties, typically found in representation agreements. - An intermediary broker must remain neutral, facilitating the transaction without providing advice or opinions to either side. - Confidential information, such as negotiating positions, cannot be disclosed by the intermediary without written permission. - A broker may appoint different agents to the buyer and seller, which allows those appointed agents to provide advice to their respective clients. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jhkuIpfso6C4/D6WmhsfOJP2_NXtyzN.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/jhkuIpfso6C4/1778627627/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=D6WmhsfOJP2</video:player_loc>
      <video:duration>161</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-40-medicare-part-a-hospital-insurance</loc>
    <video:video>
      <video:title>Health Insurance 40, Medicare Part A Hospital Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facilities, home health, and hospice care. - The Part A deductible is applied per benefit period, not annually, which can lead to multiple deductibles in one year. - Cost-sharing includes a deductible for the first 60 days, followed by significant daily coinsurance for extended hospital stays and lifetime reserve days. - A critical exam distinction is that Part A covers medically necessary skilled nursing care but excludes long-term custodial care. - Premium-free Part A is available to individuals with at least 40 quarters of Medicare-covered employment history. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SXca7F0spMLz/DRW8hJLPJP2_zOYZWB.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SXca7F0spMLz/1778627656/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DRW8hJLPJP2</video:player_loc>
      <video:duration>161</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-15-types-of-listing-agreements</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 15, Types of Listing Agreements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - With an Exclusive Right to Sell listing, the broker earns a commission regardless of who finds the buyer. - An Exclusive Agency listing allows the seller to find their own buyer without having to pay a commission. - An Open Listing is a non-exclusive agreement where only the broker who is the procuring cause of the sale earns the commission. - Net listings are a major exam trap in Texas because they create a conflict of interest and are functionally prohibited. - The key distinction tested on the exam is whether the broker gets paid if the owner finds the buyer themselves. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/m1sqNDvkp-Tr/Dlr9NdfPJO2_TDXhKq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/m1sqNDvkp-Tr/1778627657/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dlr9NdfPJO2</video:player_loc>
      <video:duration>167</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-09-license-status-types</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 09, License Status Types</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key differences between an active, inactive, and expired license status. - The specific late renewal window of up to six months and the consequences of missing it. - What immediately happens to sponsored agents if their brokers license becomes suspended, revoked, or inactive. - The process for reactivating an inactive license, including CE and sponsorship requirements. - The distinction between a temporary suspension and a permanent revocation as disciplinary actions by TREC. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/nxci3l1dVY1W/97rTgIL4IO2_IzsMjd.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/nxci3l1dVY1W/1778627632/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=97rTgIL4IO2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-18-us-treasury-securities</loc>
    <video:video>
      <video:title>Series 65 18, US Treasury Securities</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key maturity and interest payment differences between T-bills, T-notes, and T-bonds. - The unique tax treatment of Treasury securities: federally taxable but exempt from state and local taxes. - How TIPS provide inflation protection and the associated concept of phantom income. - Why STRIPS are not issued directly by the Treasury and their high sensitivity to interest rate risk. - That U.S. Treasuries are considered the risk-free benchmark because they are backed by the full faith and credit of the U.S. government, eliminating default risk. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OrkK-BHlpUx5/us4SNJLici2_acdbpS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OrkK-BHlpUx5/1778627615/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=us4SNJLici2</video:player_loc>
      <video:duration>167</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-12-coordination-of-benefits</loc>
    <video:video>
      <video:title>Health Insurance 12, Coordination of Benefits</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The main purpose of Coordination of Benefits (COB) is to prevent receiving payments that exceed 100% of the cost of services. - How to determine the primary payer when an individual is covered under their own employers plan and a spouses plan. - The Birthday Rule makes the primary payer the parent whose birthday comes earlier in the calendar year, regardless of age. - How a divorce decree or custody arrangement can override the standard Birthday Rule for dependent children. - The difference in payment responsibility between a primary plan, which pays first, and a secondary plan, which covers remaining costs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/oflmZlLsp61A/0synNILicy2_oFpiPf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/oflmZlLsp61A/1778627656/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0synNILicy2</video:player_loc>
      <video:duration>165</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/afoqt-exam-prep-9-anatomy-of-a-verbal-analogy-abcd-and-7-relationship-types</loc>
    <video:video>
      <video:title>AFOQT Exam Prep 9, Anatomy of a Verbal Analogy A:B::C:D and 7 Relationship Types</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core strategy for any verbal analogy is to define the relationship between the first pair of words (A:B) before considering the answer choices. - The seven most tested relationship types on the AFOQT are synonym, antonym, part-to-whole, function/tool, cause-effect, category, and characteristic. - The most common trap is the relationship reversal, such as confusing a part-to-whole relationship (cockpit:airplane) with a whole-to-part relationship (airplane:cockpit). - To solidify the word relationship, create a precise sentence that connects A and B (e.g., Fatigue is a cause for a yawn). - Every AFOQT verbal analogy follows the A:B::C:D structure, and your goal is to find the word for D that mirrors the A:B relationship exactly. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OmgC2l0koMLY/0s5TgcKOJz2_rtKcYT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OmgC2l0koMLY/1778628079/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0s5TgcKOJz2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-4-tailoring-prince2-to-project-environment</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 4, Tailoring PRINCE2 to Project Environment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That tailoring adapts the PRINCE2 method to a projects specific size, complexity, risk, and environment. - What can be tailored, including processes, roles, management products, and terminology. - The critical rule that the seven PRINCE2 principles are universal and must never be tailored. - How common exam questions test tailoring by presenting scenarios requiring you to distinguish between appropriate adaptation and violating principles. - That all tailoring decisions must be documented by the Project Manager in the Project Initiation Documentation (PID) and approved by the Project Board. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/pRtqVjWkdUC7/ut48Mcficy2_OmoWbL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/pRtqVjWkdUC7/1778628052/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=ut48Mcficy2</video:player_loc>
      <video:duration>169</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-08-license-renewal-and-continuing-education</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 08, License Renewal and Continuing Education</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A standard Texas real estate license is valid for a two-year term. - For most renewals, 18 hours of Continuing Education (CE) are required, which must include the 4-hour Legal Update I and 4-hour Legal Update II courses. - The first license renewal is a major exception, requiring 90 hours of Sales Apprentice Education (SAE) plus the two Legal Update courses. - Missing the renewal deadline results in an expired, inactive license, with a six-month grace period for late renewal before reinstatement is required. - A common exam trap is confusing the 90-hour SAE requirement for new agents with the 18-hour CE requirement for subsequent renewals. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/i_xKUDvcg2_z/0tymNJfydz2_cZtKrw.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/i_xKUDvcg2_z/1778628068/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0tymNJfydz2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-23-payment-of-claims-and-physical-examination</loc>
    <video:video>
      <video:title>Health Insurance 23, Payment of Claims and Physical Examination</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That claim benefits are paid to the insured, their assignee (like a hospital), or a beneficiary. - The facility of payment clause allows insurers to make small, immediate payments to a relative for final expenses. - Insurers have the right to require a physical exam of the insured while a claim is pending. - The insurer is always responsible for the cost of any physical exam or autopsy they require. - An autopsy can be performed at the insurers expense unless it is prohibited by state law. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lmg0JnWdo6Mr/0Z48NJLzcy2_MIGiJF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/lmg0JnWdo6Mr/1778628091/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Z48NJLzcy2</video:player_loc>
      <video:duration>167</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-15-preferred-provider-organizations-ppos</loc>
    <video:video>
      <video:title>Health Insurance 15, Preferred Provider Organizations PPOs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - PPOs offer a network of preferred providers for lower costs but allow out-of-network care at a higher cost-sharing for the member. - Unlike HMOs, PPOs do not require a Primary Care Physician (PCP) to act as a gatekeeper. - Members of a PPO can see specialists without needing a referral. - The key trade-off for the flexibility of a PPO is typically a higher monthly premium. - Exam questions often test the PPO vs. HMO distinction, focusing on flexibility, referrals, and out-of-network coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VmsqMp0kU6eA/uZyThsKydj2_AkBcvi.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VmsqMp0kU6eA/1778628086/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uZyThsKydj2</video:player_loc>
      <video:duration>168</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-4-needle-gauge-and-length-selection</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 4, Needle Gauge and Length Selection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why the 21-gauge needle is the standard for routine adult venipuncture. - When to select a 22-gauge needle for patients with smaller or fragile veins. - The appropriate use of a 23-gauge butterfly needle for difficult or pediatric draws. - How to remember the inverse relationship between gauge number and needle diameter with a simple mnemonic. - How incorrect needle selection, particularly using a gauge that is too small, can lead to hemolysis and compromised test results. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TVt8JjftI-v5/1c4DMYLOcy2_NvhVCD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TVt8JjftI-v5/1778628052/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1c4DMYLOcy2</video:player_loc>
      <video:duration>172</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-30-closed-end-funds-and-uits</loc>
    <video:video>
      <video:title>Series 65 30, Closed-End Funds and UITs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Closed-end funds issue a fixed number of shares in an IPO and then trade on the secondary market like a stock. - A closed-end funds market price is driven by supply and demand, often causing it to trade at a premium or discount to its Net Asset Value (NAV). - Unit Investment Trusts (UITs) feature a fixed, unmanaged portfolio of securities and have a predetermined termination date. - Unlike closed-end funds, UIT units are not traded on an exchange instead, they are redeemable with the trust sponsor. - A key exam distinction is that closed-end funds are actively managed, whereas UITs have a static, supervised portfolio. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/URBiYlLBI2Eq/vszCNYL5cz2_yqWWTT.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/URBiYlLBI2Eq/1778628052/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vszCNYL5cz2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-26-misstatement-of-age-and-other-insurance-provisions</loc>
    <video:video>
      <video:title>Health Insurance 26, Misstatement of Age and Other Insurance Provisions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Misstatement of Age provision adjusts benefits to what the premium would have purchased at the correct age it does not void the policy. - Coordination of Benefits (COB) rules determine which plan is primary, ensuring total claim payments do not exceed 100% of the cost. - For dependent children, the birthday rule states the parent with the earlier birthday in the calendar year has the primary plan. - The Relation of Earnings to Insurance provision applies to disability income, capping benefits to prevent overinsurance relative to pre-disability earnings. - If disability benefits would exceed earnings, the insurer pays a pro-rata benefit and refunds the premium for the excess coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/miceMpGco-nA/vc5DMcL5cz2_LUsMGZ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/miceMpGco-nA/1778628078/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vc5DMcL5cz2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-21-notice-of-claim-and-claim-forms-provisions</loc>
    <video:video>
      <video:title>Health Insurance 21, Notice of Claim and Claim Forms Provisions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The insured must provide a written notice of claim to the insurer within 20 days of a loss, or as soon as reasonably possible. - The 20-day notice period can be extended if circumstances, such as incapacitation, make it not reasonably possible for the insured to comply. - After receiving a notice of claim, the insurer has a 15-day deadline to furnish the claimant with the necessary claim forms. - If the insurer fails to provide claim forms within 15 days, the claimant can satisfy the requirement by submitting a written description of the loss. - A common exam trap is confusing the 20-day Notice of Claim provision with the 90-day Proof of Loss provision. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UVpi_lftgQ_A/vcy8gcezJi2_HXvoFu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UVpi_lftgQ_A/1778628066/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vcy8gcezJi2</video:player_loc>
      <video:duration>171</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-7-basic-medical-expense-insurance</loc>
    <video:video>
      <video:title>Health Insurance 7, Basic Medical Expense Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That Basic Medical Expense policies provide first-dollar coverage, meaning they pay benefits from the start without an annual deductible. - The critical difference between a per-cause deductible, found in Basic plans, and the annual deductible used in Major Medical policies. - The three core components of Basic Medical insurance: Hospital Expense, Surgical Expense (using a fixed surgical schedule), and Physicians Expense. - That Basic policies are defined by their limited, specified benefit amounts, contrasting with the high limits and broad coverage of Major Medical. - How surgical benefits are paid under a surgical schedule with fixed dollar amounts, which is a key distinction from the usual, customary, and reasonable approach in Major Medical plans. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Uywe3lrtlQK4/1IynhdeyJy2_raZFpG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Uywe3lrtlQK4/1778628094/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1IynhdeyJy2</video:player_loc>
      <video:duration>172</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/prince2-exam-prep-6-principle-learn-from-experience</loc>
    <video:video>
      <video:title>PRINCE2 Exam Prep 6, Principle Learn from Experience</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Learn from Experience principle is a continuous cycle applied at the start, during, and end of a project, not just at closure. - The Lessons Log is a dynamic document created in the Starting Up a Project process to capture ongoing lessons. - The Lessons Report is a formal summary created during Closing a Project to pass knowledge to future projects. - A primary exam trap is confusing the timing and purpose of the Lessons Log (a living project document) versus the Lessons Report (a formal summary for others). - PRINCE2 requires project managers to actively seek lessons from past projects at the very beginning of a new project. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PVBGQjfch2-5/vd48NsKjJj2_FWEaMg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PVBGQjfch2-5/1778628068/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vd48NsKjJj2</video:player_loc>
      <video:duration>173</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-9-maximum-groundspeed-100-mph-87-knots</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 9, Maximum Groundspeed 100 mph (87 knots)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The maximum legal groundspeed for a drone under FAA Part 107 is 100 mph, which is equivalent to 87 knots. - Why the FAA exam focuses on groundspeed instead of airspeed, with wind being the key variable. - How to perform the essential exam calculation: Airspeed + Tailwind or Airspeed - Headwind to determine your true groundspeed. - To identify a common exam trap where a legal airspeed becomes an illegal groundspeed due to a strong tailwind. - A simple mnemonic for the test: Tailwind adds, headwind subtracts, for the groundspeed facts. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mCwSZjadU2fY/vZyDMteiIy2_GOFOIj.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mCwSZjadU2fY/1778628087/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vZyDMteiIy2</video:player_loc>
      <video:duration>173</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-21-the-broker-lawyer-committee</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 21, The Broker-Lawyer Committee</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Broker-Lawyer Committee consists of 13 members: 6 brokers appointed by TREC, 6 lawyers appointed by the State Bar president, and 1 public member appointed by the governor. - The committees sole purpose is to draft and revise standardized contract forms for use by real estate licensees. - This committee acts only in an advisory role to the Texas Real Estate Commission (TREC). - A critical exam distinction: The committee drafts and recommends forms, but only TREC has the authority to promulgate (approve and mandate) them. - The Broker-Lawyer Committee holds no power to enforce rules, investigate complaints, or discipline licensees. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/iyoOJDHcoYK7/vt58NsfiIz2_vpAeMb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/iyoOJDHcoYK7/1778628100/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vt58NsfiIz2</video:player_loc>
      <video:duration>175</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-17-provider-reimbursement-methods</loc>
    <video:video>
      <video:title>Health Insurance 17, Provider Reimbursement Methods</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How Fee-for-Service reimbursement incentivizes the quantity of medical services provided. - The core concept of Capitation as a fixed, per-member-per-month payment, shifting financial risk to providers. - Why Salary-Based reimbursement removes the direct financial incentive for the volume of services. - The function of Diagnosis-Related Groups (DRGs) in reimbursing hospitals with a fixed amount for specific diagnoses. - The key differences in provider incentives and common exam traps associated with each reimbursement model. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/l7pKMlHBc-0z/1ZzDMdfjIi2_Pcdflf.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/l7pKMlHBc-0z/1778628058/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1ZzDMdfjIi2</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-10-time-value-of-money-calculations</loc>
    <video:video>
      <video:title>Series 65 10, Time Value of Money Calculations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The inverse relationship between discount rates and present value a higher rate leads to a lower present value. - Why an annuity due, with payments at the beginning of a period, is always more valuable than an ordinary annuity, which has payments at the end. - How to apply the Rule of 72 to quickly estimate the time or interest rate needed to double an investments value. - Common exam traps, such as confusing an annuity due with an ordinary annuity and miscalculating periods for semi-annual compounding. - The conceptual difference between future value (compounding) and present value (discounting) as tested on the Series 65 exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Q7li7jucNYC4/1tzTNsLiJi2_gvJFkI.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Q7li7jucNYC4/1778628067/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1tzTNsLiJi2</video:player_loc>
      <video:duration>174</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-36-ltc-elimination-period-benefit-period-and-inflation-protection</loc>
    <video:video>
      <video:title>Health Insurance 36, LTC Elimination Period Benefit Period and Inflation Protection</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The LTC elimination period is a time-based deductible, and a longer period will lower the policys premium. - The benefit period is the maximum duration for which the policy pays, and a longer period increases the premium. - Inflation protection is a vital LTC feature to ensure benefits keep pace with the rising cost of care. - Compound inflation protection provides more significant benefit growth and is the most suitable option for younger purchasers. - Exam questions frequently test the inverse relationship between the elimination period and premium, and the direct relationship between the benefit period and premium. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mUsKNnHkpYTW/uc5DMYezIP2_GPbaEL.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mUsKNnHkpYTW/1778628241/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uc5DMYezIP2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-94-substance-use-disorders</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 94, Substance Use Disorders</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Why alcohol and benzodiazepine withdrawal are life-threatening emergencies that take priority over opioid withdrawal. How to apply assessment tools like CIWA-Ar for alcohol and COWS for opioids to guide nursing care in exam scenarios. The critical difference between naloxone for acute opioid overdose and methadone or buprenorphine for long-term treatment. Why the primary nursing priority during stimulant withdrawal is suicide prevention due to severe depression. A mental shortcut, Opiate Opposite, to instantly distinguish between the signs of opioid intoxication and withdrawal on the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VVlC6BulUQ1X/0cy8MZf4I52_aHXlZe.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VVlC6BulUQ1X/1778628374/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0cy8MZf4I52</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-88-foreign-tax-credit-fundamentals</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 88, Foreign Tax Credit Fundamentals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Why taking a foreign tax credit is almost always more beneficial than taking an itemized deduction for foreign income taxes paid. How to identify a creditable foreign tax, focusing on income taxes versus non-creditable taxes like VAT or property taxes, a common exam trap. The foreign tax credit limitation, which restricts the credit to the amount of U.S. tax liability on that same foreign source income. Why you must calculate the credit separately for different income categories, such as passive and general, preventing the use of excess credits from one category to offset tax in another. The carryover rule for unused credits, which allows them to be carried back one year and then forward for up to ten years. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ResWJlaZI2nZ/0c5CMtf4IO2_oFFVpb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ResWJlaZI2nZ/1778628388/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0c5CMtf4IO2</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-76-at-risk-rules-and-basis-limitations</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 76, At-Risk Rules and Basis Limitations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Loss deductions must sequentially clear three hurdles: Basis, At-Risk, and Passive (B-A-P). S corp shareholders do not receive basis for entity-level debt, unlike partners in a partnership. At-risk amounts generally include cash invested plus recourse debt, but exclude nonrecourse financing. Form 6198 is used to calculate and apply the at-risk limitations to losses. A key exam exception allows qualified nonrecourse financing for real estate activities to be included in the at-risk amount. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/iRx42FqsR29Y/0szmhsL5JP2_xUUsJJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/iRx42FqsR29Y/1778628374/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0szmhsL5JP2</video:player_loc>
      <video:duration>176</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-6-vein-palpation-and-patient-assessment</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 6, Vein Palpation and Patient Assessment</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Always use your index finger for palpation, as your thumb has its own pulse that can be confused with an artery. - A suitable vein feels bouncy and firm, unlike a hard, cord-like sclerosed vein which should be avoided. - A distinct pulsating sensation indicates an artery, a critical site to avoid during venipuncture. - Never draw from sites with hematomas, extensive scarring, edema, or where an IV line was recently placed. - Proper vein anchoring involves using your thumb to pull the skin taut 1-2 inches below the site to prevent the vein from rolling. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VqAiYBXYgMTA/utzTMJeiIO2_oOwXix.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VqAiYBXYgMTA/1778628394/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=utzTMJeiIO2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-3-evacuated-tube-system-components</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 3, Evacuated Tube System Components</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The three core components of an evacuated tube system are the holder, the double-ended needle, and the vacuum tube. - The pre-calibrated vacuum inside each tube is crucial for drawing the correct blood volume, ensuring a proper blood-to-additive ratio. - The multi-sample needle features a rubber shut-off valve on the shorter end to prevent blood leakage between tube changes. - The entire needle and holder assembly is a single-use device and must be disposed of as one intact unit into a sharps container. - Common exam traps include questions about incorrect disposal procedures, like recapping or disassembling the device, and misidentifying the cause of a short draw, which is typically a loss of vacuum. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Oqca2Fb7J6ey/0Z5DMYKyJO2_fNokrl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Oqca2Fb7J6ey/1778628387/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0Z5DMYKyJO2</video:player_loc>
      <video:duration>178</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-95-recognition-of-income-cash-vs-accrual</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 95, Recognition of Income - Cash vs Accrual</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Distinguish between the cash method (income when received) and the accrual method (income when earned). Identify constructive receipt and when income is considered available without substantial limitation. Apply the all-events test to determine income recognition for accrual-basis taxpayers. Recognize the special one-year deferral rule for certain prepaid income under the accrual method. Pinpoint which types of businesses are generally required to use the accrual method for tax purposes. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VqwmNnK6c2LB/0dy8gcK4JO2_ywnHIX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VqwmNnK6c2LB/1778628388/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0dy8gcK4JO2</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-01-trec-structure-and-functions-explained</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 01, TREC Structure and Functions Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Texas Real Estate Commission (TREC) is composed of nine members appointed by the governor: six are licensed brokers and three are from the general public. - TRECs primary role is to enforce the Texas Real Estate License Act (TRELA), not to create the law itself. - A common exam trap is knowing what TREC cannot do, such as mediating commission disputes or handling criminal matters. - Aspiring agents must complete 180 hours of specific, TREC-approved coursework to be eligible for a license. - The Real Estate Recovery Fund has specific payout limits: 125,000 per transaction and a 250,000 lifetime maximum per licensee. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/R_B8QFvsU21z/0d49Msf5J52_bJBLtS.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/R_B8QFvsU21z/1778628373/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0d49Msf5J52</video:player_loc>
      <video:duration>177</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-87-high-risk-pregnancy</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 87, High Risk Pregnancy</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate between gestational hypertension, preeclampsia, and eclampsia based on key clinical signs like proteinuria and seizures. To recognize HELLP syndrome (Hemolysis, Elevated Liver enzymes, Low Platelets) as an emergency requiring immediate delivery. The classic distinguishing features of placenta previa (painless, bright red bleeding) versus placental abruption (painful, dark red bleeding). Why insulin, not oral hypoglycemics, is the priority medication for managing gestational diabetes on the NCLEX. The two primary nursing interventions for preterm labor: administering tocolytics to slow contractions and corticosteroids to mature fetal lungs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QecKJBrQcULq/uJ4DNtK5I42_sKpozM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QecKJBrQcULq/1778628397/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uJ4DNtK5I42</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-85-pediatric-infectious-diseases</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 85, Pediatric Infectious Diseases</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate between measles (rubeola) and chickenpox (varicella) rashes based on description and distribution. The critical isolation precautions using the mnemonic MTV is on the Air for measles, TB, and varicella. To recognize key complications for diseases like mumps, including orchitis and meningitis. Specific, testable return-to-school criteria for chickenpox (all lesions crusted) and pertussis (5 days of antibiotics). The absolute contraindication of giving live vaccines like MMR and varicella to severely immunocompromised patients. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mWleInHYgU07/1Y58gte5JO2_zCWyWX.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mWleInHYgU07/1778628648/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1Y58gte5JO2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-96-fringe-benefits-taxable-vs-excludable</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 96, Fringe Benefits - Taxable vs Excludable</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Cash or cash equivalents, regardless of the amount, are never excludable as a de minimis fringe benefit. Transportation benefit exclusions are capped at a specific monthly limit (315 for 2025) and any excess is taxable. Dependent care assistance benefits are excludable only up to 5,000 per year amounts over this are taxable income. For a company-provided athletic facility to be an excludable benefit, it must be located on the employers premises. Qualified employee discounts on property are limited by the employers gross profit percentage discounts exceeding this are taxable. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mWhiVpbIhI0Y/1c5Dhcf5JO2_tiTBPz.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mWhiVpbIhI0Y/1778628657/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1c5Dhcf5JO2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-05-texas-sales-agent-exam-format</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 05, Texas Sales Agent Exam Format</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Texas Sales Agent Exam has two parts: 80 national questions and 30 state-specific questions. - A passing score of 70% is required on each section independently, not as a combined average. - You are given a single 150-minute block of time to complete both the national and state sections. - Be prepared for strict Pearson VUE testing center rules, including ID requirements and a ban on personal items. - After three failed attempts, you must complete 30 hours of additional education for each failed section before you can retest. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/i0hWIDGJJMwA/vIznMcL5JP2_ZdmhFl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/i0hWIDGJJMwA/1778628648/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vIznMcL5JP2</video:player_loc>
      <video:duration>181</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-14-health-maintenance-organizations-hmos</loc>
    <video:video>
      <video:title>Health Insurance 14, Health Maintenance Organizations HMOs</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The two defining characteristics of an HMO are its prepaid service model and the use of a Primary Care Physician (PCP) as a gatekeeper. - HMO members must use in-network providers, and there is no coverage for out-of-network care except in cases of a true medical emergency. - A referral from the PCP is mandatory to see a specialist self-referrals will result in a denied claim. - The main types of HMO models (Staff, Group, IPA) are differentiated by the employment or contractual relationship between the HMO and its physicians. - A key distinction from a PPO is that an HMO requires a gatekeeper and generally does not provide out-of-network benefits, whereas a PPO does. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/iKFi3zvRd-uA/vdyCgYKyd52_YKhjmu.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/iKFi3zvRd-uA/1778628649/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=vdyCgYKyd52</video:player_loc>
      <video:duration>180</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-2-04-hobby-vs-business-activity-for-profit-test</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 2 04, Hobby vs Business Activity for Profit Test</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The IRS uses a nine-factor test under 183 to determine if an activity is a business or a hobby. - An activity is presumed to be for-profit if it shows a profit in at least 3 of the last 5 consecutive years. - The profit motive presumption for horse-related activities is 2 profitable years out of the last 7 years. - Hobby income is reported on Schedule 1, but related expenses are non-deductible for individuals through 2025 due to TCJA. - Meeting the profit presumption shifts the burden of proof to the IRS but does not guarantee business classification. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/nbgSQnH7UI8s/8Y5SNsLydi2_WCQVWh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/nbgSQnH7UI8s/1778628738/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Y5SNsLydi2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-33-business-uses-of-disability-insurance</loc>
    <video:video>
      <video:title>Health Insurance 33, Business Uses of Disability Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Business Overhead Expense (BOE) insurance covers fixed costs like rent and employee salaries, but explicitly excludes the owners salary. - BOE policy premiums are tax-deductible as a business expense, but the benefits received are considered taxable income to the business. - Key Person Disability insurance protects a business from the financial loss of a vital employee, with the business receiving the benefit tax-free. - Disability Buy-Sell insurance provides funds for remaining owners to purchase the business interest of a partner who becomes permanently disabled. - Premiums for Key Person and Disability Buy-Sell policies are not tax-deductible, and the benefits are received by the business income tax-free. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SrwC-pHZlQxB/Csz9Mceydz2_YecRTb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SrwC-pHZlQxB/1778628730/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Csz9Mceydz2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-30-elimination-period-and-benefit-period-for-disability</loc>
    <video:video>
      <video:title>Health Insurance 30, Elimination Period and Benefit Period for Disability</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The elimination period in disability insurance acts as a time-based deductible before benefits are paid. - A longer elimination period decreases the policy premium, while a shorter period increases it. - The benefit period is the maximum duration for which disability benefits will be paid. - A longer benefit period increases the policy premium due to the insurers higher potential payout. - How to distinguish the per-claim elimination period from the one-time probationary period at the start of a policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ivgC6BuZUUDq/8s5nNsLydz2_aAdSTK.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ivgC6BuZUUDq/1778628729/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8s5nNsLydz2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-87-backup-withholding-requirements</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 87, Backup Withholding Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: That backup withholding is a flat 24% rate applied to specific payments like interest, dividends, and nonemployee compensation. How a missing or incorrect Taxpayer Identification Number (TIN) on Form W-9 is the most common trigger for backup withholding. The process initiated by an IRS B-Notice when a payees name and TIN on a Form 1099 do not match IRS records. That backup withholding can also be required if the IRS notifies a payer that the payee has underreported interest or dividend income. How to advise clients to stop backup withholding by providing a correct Form W-9 or resolving underreporting issues directly with the IRS. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/TfcWJpHQoU0q/8Y4CNtfOdy2_TpmmFW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/TfcWJpHQoU0q/1778628729/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Y4CNtfOdy2</video:player_loc>
      <video:duration>182</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-26-adrs-reits-and-other-equity-securities</loc>
    <video:video>
      <video:title>Series 65 26, ADRs REITs and Other Equity Securities</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - American Depositary Receipts (ADRs) trade in U.S. dollars but expose investors to significant currency risk. - Real Estate Investment Trusts (REITs) must distribute at least 90% of their net investment income to shareholders to avoid corporate-level taxation. - Rights are short-term instruments issued to existing shareholders to let them maintain their proportionate ownership during new share offerings. - Warrants are long-term instruments, often used as sweeteners, with an exercise price set above the market price at issuance. - The Series 65 exam frequently tests the distinctions between rights and warrants, particularly their timeframes and initial exercise prices. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VvkO6FGZV23Y/8Yy9Ndf5cz2_ENSSKl.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/VvkO6FGZV23Y/1778628730/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Yy9Ndf5cz2</video:player_loc>
      <video:duration>183</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-18-sellers-disclosure-exemptions</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 18, Sellers Disclosure Exemptions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The seven major categories of transactions exempt from the Sellers Disclosure Notice in Texas. - The critical distinction between a property sold as-is and a seller who is legally exempt from disclosure. - That an agents duty to disclose known material facts persists even when the seller is exempt. - How sales of new, unoccupied homes by a builder represent a key exemption tested on the exam. - A simple mnemonic, Courts, Kin, and Construction, to recall the most common exemption scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SIEeIzLRR--q/CdyCMcK5di2_BcHIrU.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SIEeIzLRR--q/1778628863/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CdyCMcK5di2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-04-pre-license-education-requirements</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 04, Pre-License Education Requirements</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The total pre-license education requirement in Texas is 180 hours, divided into six specific 30-hour courses. - The six mandatory courses are Principles of Real Estate I &amp;amp; II, Law of Agency, Law of Contracts, Promulgated Contract Forms, and Real Estate Finance. - Exam questions test knowledge of the specific required courses, not just the 180-hour total, often using scenario-based questions. - Only courses from providers officially approved by the Texas Real Estate Commission (TREC) will satisfy the education requirements. - The initial 180 pre-license hours are distinct from the Sales Agent Apprentice Education (SAE) required for your first license renewal. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PFdeNBHZMYfW/8t59NYfOcy2_fOzsUD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PFdeNBHZMYfW/1778628936/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8t59NYfOcy2</video:player_loc>
      <video:duration>185</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-34-long-term-care-insurance-fundamentals</loc>
    <video:video>
      <video:title>Health Insurance 34, Long-Term Care Insurance Fundamentals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That standard health insurance and Medicare do not cover long-term custodial care, creating the need for LTC insurance. - The distinction between the three levels of care: Skilled (24/7 medical professional), Intermediate (intermittent skilled care), and Custodial (help with ADLs). - Why custodial care, assistance with Activities of Daily Living like bathing and dressing, is the most common type of long-term care. - The different settings where LTC services can be delivered, including nursing homes, assisted living, home health care, and adult day care. - A simple mnemonic, S-I-C (Skilled, Intermediate, Custodial), to remember the levels of care from highest to lowest medical intensity. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SBBi-FvJcYL5/Ct48hdejJy2_sGNZnb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SBBi-FvJcYL5/1778628951/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ct48hdejJy2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-06-sponsorship-and-broker-supervision</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 06, Sponsorship and Broker Supervision</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - A Texas sales agent cannot practice real estate without being sponsored by a licensed broker. - Sponsoring brokers are ultimately responsible for the authorized acts of the sales agents they sponsor. - TREC requires sponsoring brokers to maintain written policies and procedures to ensure agent competency. - When a sponsorship is terminated, the sales agents license becomes inactive, and they cannot perform any real estate activities. - A sales agent is prohibited from engaging in any brokerage activities during the time between terminating one sponsorship and activating a new one. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ppBy-FvYJMLy/8d4ShYKiIi2_ojGIak.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/ppBy-FvYJMLy/1778628952/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8d4ShYKiIi2</video:player_loc>
      <video:duration>184</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-14-intermediary-with-appointments</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 14, Intermediary With Appointments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An intermediary broker with appointments must remain neutral and cannot provide advice to the buyer or seller. - Appointed agents are permitted to provide advice and opinions to the party they are appointed to represent. - Acting as an intermediary requires written consent from both parties, followed by written notice of the appointments. - Confidential information given to an appointed agent is protected and must not be disclosed to the other party or the intermediary broker. - A key exam trap is confusing the neutral role of the broker with the advisory capacity of the appointed agents. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PBFKNp0JMIMB/8J4DNIfzJi2_zgeJec.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PBFKNp0JMIMB/1778628935/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8J4DNIfzJi2</video:player_loc>
      <video:duration>185</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-93-scholarships-fellowships-and-educational-assistance</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 93, Scholarships, Fellowships, and Educational Assistance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to distinguish between tax-free qualified education expenses like tuition and fees, and taxable non-qualified expenses like room and board. That funds requiring a student to teach or perform research are considered fully taxable compensation for services, not a tax-free scholarship. The application of the annual exclusion limit of 5,250 for educational assistance benefits provided by an employer. That only students who are candidates for a degree are eligible for tax-free treatment of their scholarships for qualified expenses. Why the taxable portion of a scholarship can create an income tax filing requirement for a student, even if they are a dependent. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/OFlW-B1Qd-LY/9syDNJeOcj2_qXkdkJ.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/OFlW-B1Qd-LY/1778628952/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9syDNJeOcj2</video:player_loc>
      <video:duration>187</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/faa-part-107-drone-exam-prep-8-operations-over-moving-vehicles</loc>
    <video:video>
      <video:title>FAA Part 107 Drone Exam Prep 8, Operations Over Moving Vehicles</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Operations over moving vehicles are regulated under FAA Part 107.145. - Flying over moving vehicles is permitted within a closed or restricted-access site, provided all vehicle occupants are notified. - A drone meeting Category 1, 2, or 3 requirements may transit over moving vehicles on public roads. - Sustained flight over moving vehicles on public roads is prohibited, even with a categorized drone. - A key mnemonic to remember the exceptions is: Closed, Cat, or Cross. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jBxyJD07JQTs/9Y4DhJLPdy2_mOnAzG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/jBxyJD07JQTs/1778628937/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9Y4DhJLPdy2</video:player_loc>
      <video:duration>187</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-24-legal-actions-and-change-of-beneficiary-provisions</loc>
    <video:video>
      <video:title>Health Insurance 24, Legal Actions and Change of Beneficiary Provisions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An insured must wait a minimum of 60 days after submitting proof of loss before they can file a lawsuit against the insurer. - The statute of limitations for taking legal action against an insurer is three years from the date proof of loss was required. - A revocable beneficiary, which is the default designation, can be changed by the policyowner at any time without needing the beneficiarys consent. - An irrevocable beneficiary cannot be changed unless the policyowner obtains that beneficiarys written consent. - Exam questions frequently test the specific timeframes of the Legal Actions provision and the consent requirement for irrevocable beneficiaries. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Snh8_zvYIIUY/Ds5CNJe5dz2_rOLRVC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Snh8_zvYIIUY/1778628935/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ds5CNJe5dz2</video:player_loc>
      <video:duration>187</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-22-bond-pricing-yields-and-duration</loc>
    <video:video>
      <video:title>Series 65 22, Bond Pricing Yields and Duration</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fundamental inverse relationship between bond prices and interest rates. - How to identify the correct order of yields (Nominal, Current, YTM, YTC) for both premium and discount bonds. - That duration, not maturity, is the key measure of a bonds price sensitivity to interest rate changes. - How to spot the most volatile bond by looking for the longest maturity and lowest coupon. - The common exam trap of identifying the yield to worst for callable bonds trading at a premium (YTC) or discount (YTM). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/mFle_lqJh6VB/Ds5ngdf4cj2_JvWfBC.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/mFle_lqJh6VB/1778628951/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Ds5ngdf4cj2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-6-interest-rates-and-yield-curves</loc>
    <video:video>
      <video:title>Series 65 6, Interest Rates and Yield Curves</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The inverse relationship between interest rates and bond prices, often visualized as a seesaw. - A normal, upward-sloping yield curve typically signals expectations of economic expansion. - An inverted, downward-sloping yield curve is a classic indicator of a potential economic recession. - The Federal Funds Rate is the volatile overnight lending rate between banks, which is targeted by the Federal Reserve to conduct monetary policy. - The Prime Rate is the benchmark rate banks charge their best corporate clients and is directly influenced by, and higher than, the Federal Funds Rate. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PiE0_Fb7d-C6/Dc5nMtL4dj2_WsYFmO.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/PiE0_Fb7d-C6/1778628960/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dc5nMtL4dj2</video:player_loc>
      <video:duration>186</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-20-trec-promulgated-forms-overview</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 20, TREC Promulgated Forms Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why TRECs primary goal with promulgated forms is public protection and preventing the unauthorized practice of law. - The critical difference between an addendum (used before signing) and an amendment (used after signing). - That using promulgated forms is mandatory for Texas license holders whenever a relevant form exists for the transaction. - The key exceptions to mandatory use, including forms prepared by property owners, attorneys, or required by government agencies. - A mnemonic to recall the exceptions: Agents Are Protected when Government has No Form (Agent as principal, Attorney, Property owner, Government, No form exists). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/kCxaJjrZUMgr/DZ59NsLzIj2_nLbzEF.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/kCxaJjrZUMgr/1778629226/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=DZ59NsLzIj2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-31-residual-and-partial-disability-benefits</loc>
    <video:video>
      <video:title>Health Insurance 31, Residual and Partial Disability Benefits</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Residual disability benefits are triggered by a loss of income, with payments proportional to the percentage of earnings lost. - Partial disability benefits are paid when an insured can perform some, but not all, of their essential job duties, often for a flat percentage and a limited time. - The exam tests your ability to distinguish the two based on keywords: loss of income points to residual, while inability to perform duties points to partial. - Benefit calculations are a key difference: residual is a variable percentage based on income loss, while partial is typically a fixed 50% of the total benefit. - A helpful mnemonic is: Residual is for Reduced Revenue and Partial is for Performing Part of the job. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/pBwmUjqZoULX/9Zy8Mtf5Jz2_iNcVGD.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/pBwmUjqZoULX/1778629218/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9Zy8Mtf5Jz2</video:player_loc>
      <video:duration>188</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-34-annuities-fixed-variable-and-indexed</loc>
    <video:video>
      <video:title>Series 65 34, Annuities Fixed Variable and Indexed</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The distinction between the accumulation and annuitization phases and how they are tested. - The different risk profiles of fixed, variable, and indexed annuities and why only variable annuities are securities. - The LIFO (Last-In, First-Out) tax treatment for non-qualified annuity withdrawals, a common exam trap. - The dual threat of surrender charges from the insurance company and the 10% IRS penalty for withdrawals before age 59.5. - How tax-deferred growth is a key benefit but that all earnings are eventually taxed as ordinary income. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/nCta2lL7U2VY/9JyngJfOIz2_eeVKqW.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/nCta2lL7U2VY/1778629224/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9JyngJfOIz2</video:player_loc>
      <video:duration>189</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-99-form-1040-review-and-common-errors</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 99, Form 1040 Review and Common Errors</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to determine the most advantageous filing status between Qualifying Widow(er) and Head of Household. The rule for correctly applying multiple additional standard deduction amounts for age and blindness. Why an unsigned tax return is considered invalid and how this impacts the official filing date. How the exam tests credit eligibility rules, like the investment income limit for the EITC, over complex math. When common forms like Schedule B are required based on specific income thresholds. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jlE8JF1YpITt/9JyDNIKOJy2_eXvWYh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/jlE8JF1YpITt/1778629218/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9JyDNIKOJy2</video:player_loc>
      <video:duration>189</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-15-inflation-risk-liquidity-risk-and-opportunity-cost</loc>
    <video:video>
      <video:title>Series 65 15, Inflation Risk Liquidity Risk and Opportunity Cost</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Inflation risk, or purchasing power risk, means an investments nominal return may not outpace rising costs, leading to a negative real return. - The Series 65 exam tests inflation risk through suitability scenarios where conservative, fixed-income investments jeopardize a clients long-term financial goals. - Liquidity risk is directly measured by the bid-ask spread a wider spread signals difficulty in selling an asset quickly without a significant price reduction. - A common exam trap involves recommending illiquid investments like non-traded REITs or limited partnerships to clients with stated short-term cash needs. - Opportunity cost is the potential return missed by choosing one investment over another, often tested as an advisers failure to recommend a more suitable, higher-returning alternative to holding excess cash. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SCteNDqQlIUs/9tzmhJe4Jy2_kcETfc.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SCteNDqQlIUs/1778629218/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=9tzmhJe4Jy2</video:player_loc>
      <video:duration>190</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-17-sellers-disclosure-notice</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 17, Sellers Disclosure Notice</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - When the Texas Sellers Disclosure Notice is required for 1-4 unit residential properties and the key exceptions tested on the exam, such as new homes and foreclosures. - That sellers must disclose all known material defects, even if a defect has been previously repaired, and that an as is clause does not eliminate this duty. - The buyers seven-day unconditional right to terminate the contract after receiving the disclosure notice, if it was delivered after the contracts effective date. - That if the seller never provides the disclosure, the buyer retains the right to terminate the contract at any point before the closing. - Common exam traps, including the relationship between the as is clause and the non-waivable duty to disclose known property conditions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/O5gy_DKIlIUX/8YzmNtLiJ42_qlkMkG.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/O5gy_DKIlIUX/1778629361/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8YzmNtLiJ42</video:player_loc>
      <video:duration>191</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-1-order-of-draw-and-tube-color-coding</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 1, Order of Draw and Tube Color Coding</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The official CLSI standard order of draw: Blood Culture, Light Blue, Red/Gold (SST), Green, Lavender, and Gray. - Why preventing additive carryover is the critical reason behind the specific tube sequence. - How common additives like EDTA, Sodium Citrate, and Heparin function and can interfere with other tests. - To identify common exam traps, such as questions testing the impact of EDTA on potassium and calcium levels. - The mnemonic Stop, Light, Red, Green, Lavender, Gray to easily recall the correct order during the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/iTsWVzqYQMnZ/8szDhYLyJO2_HRfSot.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/iTsWVzqYQMnZ/1778629370/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8szDhYLyJO2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-27-disability-income-insurance-fundamentals</loc>
    <video:video>
      <video:title>Health Insurance 27, Disability Income Insurance Fundamentals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why disability income benefits are limited to 60-70% of pre-disability earnings. - The critical difference between the own occupation and any occupation definitions of total disability. - How exam questions test your understanding of which disability definition is more favorable to the insured. - The distinction between a partial disability benefit and a residual disability benefit. - Common exam traps, such as confusing income replacement ratios and the nuances of partial versus residual benefits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UTwyNjf6l-V5/8sy8gZLPJP2_fWEhRi.jpg</video:thumbnail_loc>
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      <video:description>Choosing the right calculator for the FRM exam is a critical decision. With only 4 GARP-approved models, which one gives you the best chance to pass? This video breaks down the Texas Instruments BA II Plus, BA II Plus Professional, HP 12C, and HP 12C Platinum. We cover: - Why calculator speed is crucial for the FRM exams quantitative questions. - The key difference: Algebraic vs. RPN entry. - The single most important feature for FRM candidates (and only one calculator has it). - Our 1 recommendation for most students. - Who should consider the HP 12C. Read the full side-by-side comparison and get FRM-specific keystroke examples on our blog: https://open-exam-prep.com/blog/best-calculators-for-frm-exam-2026 Timestamps: 0:00 - Introduction 0:07 - Scene 1 0:41 - Scene 2 1:12 - Scene 3 1:46 - Scene 4 2:19 - Scene 5 2:50 - Scene 6 3:19 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - FRM Exam Study Guide 2025-2026: Your All-in-One Prep to Success with Practice Questions, Detailed Explanations, and Expert Strategies: https://www.amazon.com/dp/B0FSXTW43V?tag=openexamprep-20 - Wiley Study Guide for 2021 Part I FRM Exam: Complete Set: https://www.amazon.com/dp/1119800358?tag=openexamprep-20 - FRM EXAM STUDY GUIDE 2025-2026: Comprehensive Preparation for Part I and Part II Covering All Core Topics with Over 600 Practice Questions, Detailed Explanations, and Proven Exam Strategies: https://www.amazon.com/dp/B0FPMNWDN3?tag=openexamprep-20</video:description>
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    <loc>https://videos.open-exam-prep.com/v/the-best-calculator-for-the-cfp-exam-in-2026-a-3-minute-guide</loc>
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      <video:title>The Best Calculator for the CFP Exam in 2026 (A 3-Minute Guide)</video:title>
      <video:description>Which calculator should you buy for the CFP exam? This guide compares the top 6 CFP Board-approved calculators for 2026, including the TI BA II Plus, HP 12C, and HP 10bII+. We cover pricing, key features, the critical memory-clear reset process, and which models are also approved for the CFA exam. Read the full comparison on our blog: https://open-exam-prep.com/blog/best-calculators-for-cfp-exam-2026 Master the material with our free CFP exam prep resources: - Free CFP Study Guide - Free CFP Practice Questions Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:39 - Scene 2 1:11 - Scene 3 1:45 - Scene 4 2:19 - Scene 5 2:53 - Scene 6 3:23 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CFP Study Guide 20252026: 10 Full-Length Practice Tests, 1650+ High-Yield Questions, and Detailed Answer Explanations to Help You Pass the Certified Financial Planner Certification on Your First Try: https://www.amazon.com/dp/B0FBLDWZPM?tag=openexamprep-20 - CFP EXAM PREP 2025 2026: Launch Your Financial Planning Career with This Expert Guide Including In-Depth Review, 500+ Practice Questions and Answers: https://www.amazon.com/dp/B0DZSGCJMJ?tag=openexamprep-20 - Secrets of the CFP Exam Study Guide: CFP Test Review for the Certified Financial Planner Exam (Mometrix Secrets Study Guides): https://www.amazon.com/dp/1609713141?tag=openexamprep-20</video:description>
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      <video:duration>228</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-11-usual-customary-and-reasonable-charges</loc>
    <video:video>
      <video:title>Health Insurance 11, Usual Customary and Reasonable Charges</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That UCR is the maximum amount an insurer recognizes for a service in a specific geographic area, based on what local providers usually charge. - How balance billing occurs when an out-of-network provider charges more than the UCR amount and bills the patient for the difference. - That all insurer payment calculations (like coinsurance) are based on the UCR amount, not the providers higher actual charge. - How to calculate the insureds total out-of-pocket cost by adding the deductible, coinsurance, and the full balance-billed amount together. - The critical difference between UCR for out-of-network care and contractually negotiated rates for in-network providers, who cannot balance bill. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/T6EGUpTAo23B/165CMZezcP2_vNWofc.jpg</video:thumbnail_loc>
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      <video:duration>192</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-18-mandatory-uniform-provisions-overview</loc>
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      <video:title>Health Insurance 18, Mandatory Uniform Provisions Overview</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That all individual health policies must include the 12 mandatory provisions created by the NAIC to protect the insured. - How the exam tests your ability to differentiate between the 12 mandatory provisions and the 11 optional provisions. - The specific timelines for the Grace Period provision, which are 7, 10, or 31 days depending on premium frequency. - The critical timeframes for the claims process: 20 days for Notice of Claim, 15 days for the insurer to provide Claim Forms, and 90 days for Proof of Loss. - Common exam traps, such as the 10-day waiting period for sickness coverage after a policy is reinstated. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/jYdKVlO7M2TW/1lzmgcKzcO2_DoVecv.jpg</video:thumbnail_loc>
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      <video:duration>193</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-16-point-of-service-plans-and-exclusive-provider-organizations</loc>
    <video:video>
      <video:title>Health Insurance 16, Point of Service Plans and Exclusive Provider Organizations</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why a POS plan is considered a hybrid of HMO and PPO plans. - The critical role of the Primary Care Physician (PCP) as a gatekeeper in POS plans. - The key features of an EPO plan, including its strict network and lack of a referral requirement. - How the exam tests the differences in out-of-network coverage between POS and EPO plans. - A simple mnemonic to distinguish between POS and EPO plans on your exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/l1B0Ij57dIes/vl5nhtKzd52_XooRul.jpg</video:thumbnail_loc>
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      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-17-cash-equivalents-and-money-market-instruments</loc>
    <video:video>
      <video:title>Series 65 17, Cash Equivalents and Money Market Instruments</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key features of Treasury Bills, including their risk-free nature and issuance at a discount. - The characteristics of commercial paper, such as its 270-day maximum maturity for SEC exemption. - The role of Negotiable CDs as tradable, interest-bearing bank deposits. - How Bankers Acceptances facilitate international trade through a banks guarantee. - The function of Repurchase Agreements as collateralized short-term loans. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/ULdiZzn7h2KA/17yTgcf4cP2_jSpkjF.jpg</video:thumbnail_loc>
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      <video:duration>194</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-10-out-of-pocket-maximum-and-stop-loss-provisions</loc>
    <video:video>
      <video:title>Health Insurance 10, Out-of-Pocket Maximum and Stop-Loss Provisions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The out-of-pocket maximum is the absolute most an insured will pay for covered, in-network services in a policy year. - Once the out-of-pocket limit is reached, the insurance company pays 100% of all subsequent covered costs. - Deductibles, coinsurance, and copayments for covered services are the three costs that count toward meeting the maximum. - A critical exam trap is knowing what does NOT count: monthly premiums, non-covered services, and out-of-network charges. - The terms out-of-pocket maximum and stop-loss provision are often used interchangeably on the exam to refer to the insureds spending cap. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/T1tmZlO7JIp4/1R5mNtfPcP2_lIVaSL.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1R5mNtfPcP2</video:player_loc>
      <video:duration>192</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-2-individual-vs-group-health-insurance</loc>
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      <video:title>Health Insurance 2, Individual vs Group Health Insurance</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Individual underwriting focuses on a single persons health, while group underwriting assesses the collective risk of the entire group. - Experience rating for group plans bases premiums on the groups past claims history. - Community rating for individual plans sets premiums based on geographical area, not personal health. - Group insurance naturally minimizes adverse selection because the group exists for reasons other than seeking insurance. - In a group plan, the employer holds the master policy, while the employee receives a certificate of insurance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/VLpmVlCQdYnt/1l5CgZLPc42_PFbEer.jpg</video:thumbnail_loc>
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      <video:duration>193</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/fe-exam-prep-10-npv-irr-benefit-cost-ratio-when-each-wins</loc>
    <video:video>
      <video:title>FE Exam Prep 10, NPV, IRR, Benefit-Cost Ratio When Each Wins</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why Net Present Value (NPV) is the definitive method for ranking mutually exclusive projects. - How to avoid the common FE exam trap of incorrectly choosing a project based on the highest Internal Rate of Return (IRR) or Benefit-Cost (B/C) ratio. - The specific accept/reject criteria for a single project using NPV (0), IRR (MARR), and B/C Ratio (1). - Why IRR and B/C ratios can be misleading when comparing projects of different investment scales. - A memorable shortcut to recall the correct decision method: N-P-V for the V-I-P (Very Important Project). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/phc0_BjRlYUZ/CQ5mNJKOcz2_EZCEgK.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CQ5mNJKOcz2</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/servsafe-manager-exam-prep-9-norovirus-1-cause-of-foodborne-illness-in-us</loc>
    <video:video>
      <video:title>ServSafe Manager Exam Prep 9, Norovirus 1 Cause of Foodborne Illness in US</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Norovirus is the 1 cause of foodborne illness in the U.S., primarily spread by infected food handlers touching ready-to-eat foods. - Key exam symptoms are projectile vomiting and watery diarrhea, with an onset time of 12 to 48 hours. - As one of the Big 6 pathogens, any employee diagnosed with or showing symptoms of Norovirus must be excluded from the operation. - An employee must be symptom-free for at least 24 hours before returning to work, and sometimes requires a medical release. - The FDA Food Code section 2-501.11 mandates a written procedure for cleaning up vomit and diarrhea to prevent the spread of the virus. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QahW2pSIR6o6/C6zDhZf5dy2_gkfjSO.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=C6zDhZf5dy2</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-39-medicare-overview-and-eligibility</loc>
    <video:video>
      <video:title>Health Insurance 39, Medicare Overview and Eligibility</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The four main eligibility pathways for Medicare: age 65, receiving SSDI for 24 months, End-Stage Renal Disease (ESRD), and ALS. - The difference between Medicare Part A (Hospital Insurance) and Part B (Medical Insurance), focusing on enrollment and premium requirements. - How to calculate the 7-month Initial Enrollment Period (IEP) for an individual turning 65. - Common exam traps related to the 24-month disability waiting period and late enrollment penalties. - A simple mnemonic to recall the functions of Medicare Parts A, B, C, and D. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/Rqx8UnyJUMTq/8A59gZKOdj2_GbCgdA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/Rqx8UnyJUMTq/1778630916/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8A59gZKOdj2</video:player_loc>
      <video:duration>196</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-11-sellers-agent-vs-buyers-agent</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 11, Sellers Agent vs Buyers Agent</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - In Texas, a single agency relationship means an agent owes fiduciary duties, remembered by the acronym OLDCAR, exclusively to their client (either the seller or the buyer). - The duties owed to a customer (the other party) are limited to honesty, fairness, and the disclosure of all known material facts about the property. - Subagency is not the default relationship in Texas an agent working with a buyer is expected to represent the buyer, which must be formalized in writing. - Agency relationships are created by express written agreements, and a written agreement is required in Texas before a residential buyer can be shown property. - A common exam trap is confusing the duty of confidentiality to a client (e.g., their financial motivation) with the mandatory duty to disclose material property defects to a customer. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/kep4QFmIo-Ur/CQ4CNZfjJj2_FTZjeY.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CQ4CNZfjJj2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/health-insurance-29-own-occupation-vs-any-occupation-definition-of-disability</loc>
    <video:video>
      <video:title>Health Insurance 29, Own Occupation vs Any Occupation Definition of Disability</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The definition of own occupation disability and why its most favorable to the insured. - The more restrictive definition of any occupation disability and how it limits benefit eligibility. - How modified own occupation policies create a common exam trap. - Why many policies switch from an own occupation to an any occupation definition after a set period, a key concept for the exam. - A simple mnemonic to quickly distinguish between own occupation and any occupation on your test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/O1oCYjP6V6KZ/CQyTMdeyIz2_qPamuV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/O1oCYjP6V6KZ/1778630998/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CQyTMdeyIz2</video:player_loc>
      <video:duration>195</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-40-suitability-and-know-your-customer</loc>
    <video:video>
      <video:title>Series 65 40, Suitability and Know Your Customer</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the Know Your Customer (KYC) rule requires gathering all relevant financial information before making any recommendations. - Why Investment Adviser Representatives (IARs) are held to a fiduciary standard, which is a higher legal duty than the suitability standard. - How a recommendation can be technically suitable but still violate the fiduciary standard if it is not in the clients absolute best interest. - That an IAR is prohibited from making recommendations if a client fails to provide sufficient personal and financial information. - How to properly handle an unsolicited client order for an investment that the IAR deems unsuitable. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/UXk0MzPYUYhY/CB4ThcfiIj2_mYubNY.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/UXk0MzPYUYhY/1778631011/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CB4ThcfiIj2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-10-fiduciary-duties-old-car</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 10, Fiduciary Duties OLD CAR</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The six fiduciary duties defined by the acronym OLD CAR: Obedience, Loyalty, Disclosure, Confidentiality, Accounting, and Reasonable Care. - How the duty of Obedience is strictly limited to lawful instructions, a common exam trap. - Why the duty of Confidentiality extends forever and survives the termination of the agency relationship in Texas. - The critical distinction between the fiduciary duty of Disclosure to a client versus the general duty to disclose known property defects to all parties. - The serious consequences for breaching a fiduciary duty in Texas, including license revocation by the Texas Real Estate Commission (TREC). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/nHsCIln6kMM4/87z8MsfyIj2_qwJUAy.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/nHsCIln6kMM4/1778630998/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=87z8MsfyIj2</video:player_loc>
      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-98-individual-taxpayer-identification-number-itin</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 98, Individual Taxpayer Identification Number (ITIN)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to apply for an ITIN using Form W-7 and when it must be attached to a federal tax return. The strict documentation requirements, including the difference between original, certified, and notarized copies. The specific role of a Certifying Acceptance Agent (CAA) in verifying documents. The three-consecutive-year non-use rule that causes an ITIN to expire. The critical distinction that an ITIN is for tax purposes only and does not authorize work or provide Social Security benefits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>198</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/cda-exam-prep-10-handwashing-protocol-when-and-how</loc>
    <video:video>
      <video:title>CDA Exam Prep 10, Handwashing Protocol When and How</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The six essential steps of the CDA-approved handwashing procedure, including the 20-second scrub. - Key instances when handwashing is mandatory, such as after diapering, before eating, and after outdoor play. - How handwashing protocols are assessed under CDA Competency Standard 1 during the verification visit and portfolio review. - Common exam traps, such as inconsistent application of the rules and improper reliance on hand sanitizer instead of soap and water. - A simple mental shortcut to remember when handwashing is necessary: Handle messy, before mouth. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/Skc4NlOQIIUY/1778631145/index.m3u8</video:content_loc>
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      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/phlebotomy-exam-prep-9-standard-venipuncture-procedure-steps</loc>
    <video:video>
      <video:title>Phlebotomy Exam Prep 9, Standard Venipuncture Procedure Steps</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Patient identification using at least two identifiers is the most critical first step before any venipuncture procedure. - The tourniquet must not be left on for more than one minute to prevent hemoconcentration, a common exam topic. - Always allow the antiseptic to air dry completely before needle insertion to avoid specimen hemolysis and patient discomfort. - The correct order of draw is crucial to prevent additive cross-contamination a failure here can lead to rejected specimens and incorrect test results. - Specimen tubes must be labeled immediately after the draw, at the patients side, and never beforehand, to prevent critical identification errors. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>199</video:duration>
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  <url>
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      <video:title>AFOQT Exam Prep 8, Test-Day Logistics 5 Hours, ID, Snacks, Mental Stamina</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The AFOQT is a 5-hour marathon requiring mental stamina train by taking full-length, timed practice tests. - Forgetting your government-issued photo ID or test confirmation means an automatic forfeit of your exam attempt. - Strategically use your limited break time with water and a protein-based snack to avoid energy crashes and maintain focus. - No electronic devices, including smartwatches or calculators, are permitted in the testing room violations lead to immediate dismissal. - A solid pre-test routineincluding good sleep, a protein-rich breakfast, and arriving 30 minutes earlyis critical for peak performance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=965mNtfOJj2</video:player_loc>
      <video:duration>197</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-98-elimination-management</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 98, Elimination Management</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to prioritize interventions for urinary retention by starting with a bladder scan. The critical difference between a healthy, pink stoma and a dusky, ischemic stoma requiring immediate surgeon notification. The correct technique for advancing a Foley catheter after urine return but before balloon inflation to prevent urethral trauma. The least invasive first principle when managing patient constipation. The HANDS mnemonic (Hygiene, Aseptic insertion, No dependent loops, Drainage bag below bladder, Sealed system) to prevent CAUTIs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>197</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/how-to-pass-the-picat-meps-verification-test-2026-at-home-asvab-guide</loc>
    <video:video>
      <video:title>How to Pass the PiCAT &amp;amp; MEPS Verification Test (2026 At-Home ASVAB Guide)</video:title>
      <video:description>Your complete guide to the 2026 PiCAT exam. This video covers everything you need to know about the at-home ASVAB, including the critical 30-minute MEPS Verification Test (Vtest) you MUST pass to validate your scores. We explain the rules, eligibility, common Vtest failure points, the new ASVAB Forms 9 content, AFQT minimums for every branch, and how line scores qualify you for jobs in the Army, Navy, Air Force, Marines, Space Force, and Coast Guard. Read the full guide on our blog: https://open-exam-prep.com/blog/picat-pre-employment-icat-exam-guide-2026 Prepare with our FREE PiCAT practice tests and AFQT calculator! Timestamps: 0:00 - Introduction 0:00 - Scene 1 0:28 - Scene 2 0:59 - Scene 3 1:27 - Scene 4 1:56 - Scene 5 2:26 - Scene 6 2:56 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - ASVAB EXAM PREP 20262027: The Complete Prep Book with 30 Full-Length Practice Tests to Boost Your AFQT and Qualify for Top Military Careers (The Official Armed Forces Prep Series): https://www.amazon.com/dp/B0FDQF2ZJ2?tag=openexamprep-20 - ASVAB Total Prep 2025-2026: Includes 7 Full Length Practice Tests + 2000+ Practice Questions and Flashcards + Online Access to Interactive Video Lessons and Tutorials (Kaplan Test Prep): https://www.amazon.com/dp/150629720X?tag=openexamprep-20 - ASVAB Premium Prep 2025-2026: Includes 6 Full Length Practice Tests, 1000+ Practice Questions + Online Access to Interactive Video Lessons and Tutorials (Kaplan Test Prep): https://www.amazon.com/dp/1506297188?tag=openexamprep-20</video:description>
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      <video:duration>199</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-03-texas-real-estate-recovery-fund</loc>
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      <video:title>Real Estate Exam Texas 03, Texas Real Estate Recovery Fund</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The purpose of the Texas Real Estate Recovery Trust Account as a fund of last resort for consumers. - The updated payment limits: up to 125,000 per transaction and an aggregate total of 250,000 per licensee. - The absolute requirement to obtain a final court judgment before a claim can be filed with the fund. - Key exclusions, such as the fund not covering punitive damages or acts committed by unlicensed individuals. - The immediate license revocation that occurs for a licensee once a payment is made from the fund on their behalf. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/l6pGMBT7M6E4/8Q4ChIf4d52_IskqaA.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/l6pGMBT7M6E4/1778631364/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Q4ChIf4d52</video:player_loc>
      <video:duration>200</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-91-anxiety-disorders</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 91, Anxiety Disorders</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate nursing interventions based on the four levels of anxiety. Why safety and simple, direct commands are the priority for severe and panic-level anxiety, not education. The critical difference between fast-acting benzodiazepines for acute attacks and long-term SSRIs for management. The correct initial nursing approach for OCD rituals, which involves allowing the behavior while setting firm limits. How to apply the SAFE mnemonic (Stay, Assess, Firm commands, Environment) for patients in severe distress. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/p6xa6jiQJ20Z/8Q4nMtLPc42_JtHAKq.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/p6xa6jiQJ20Z/1778631363/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=8Q4nMtLPc42</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-20-corporate-bonds-types-and-features</loc>
    <video:video>
      <video:title>Series 65 20, Corporate Bonds Types and Features</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Secured bonds are backed by specific assets (collateral), while unsecured bonds, known as debentures, are backed only by the issuers creditworthiness. - The trust indenture is the formal legal agreement between the bond issuer and the trustee that details all terms, features, and covenants of the bond. - Callable bonds benefit the issuer by allowing them to redeem bonds early, which creates reinvestment risk for the investor therefore, they offer higher coupon rates as compensation. - Convertible bonds benefit the investor by allowing them to convert the bond into common stock, a valuable feature that results in the bond carrying a lower coupon rate. - Corporate bond credit ratings directly impact their yield higher-rated, safer bonds have lower yields, while lower-rated (junk) bonds have higher yields to compensate for greater default risk. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/SQBO6jSZJI1W/CA5Chte5cP2_MtDZOM.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/SQBO6jSZJI1W/1778631363/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=CA5Chte5cP2</video:player_loc>
      <video:duration>198</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/enrolled-agent-exam-part-1-94-tax-benefits-for-adoption</loc>
    <video:video>
      <video:title>Enrolled Agent Exam Part 1 94, Tax Benefits for Adoption</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The critical timing difference for claiming expenses between domestic adoptions (claimable the year after payment if not final) and international adoptions (only claimable after finalization). How the special needs adoption rule allows a taxpayer to claim the full maximum credit (16,810 for 2025) for a finalized domestic adoption, regardless of their actual out-of-pocket expenses. To distinguish between the nonrefundable tax credit and the employer assistance exclusion, and that the same expenses cannot be used for both benefits. That any portion of the nonrefundable adoption credit unused due to tax liability limitations can be carried forward for up to five years. To identify common ineligible expenses tested on the exam, such as costs related to a surrogate or the adoption of a spouses child. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/CqcyQrrdc2Dz/D64mhILiJP2_ePjTNp.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/CqcyQrrdc2Dz/1778631703/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=D64mhILiJP2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-14-interest-rate-risk-and-reinvestment-risk</loc>
    <video:video>
      <video:title>Series 65 14, Interest Rate Risk and Reinvestment Risk</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The inverse relationship between interest rates and existing bond prices. - How duration measures a bonds sensitivity to interest rate changes. - Why bonds with long maturities and low coupons have the highest interest rate risk. - What reinvestment risk is and why it occurs when interest rates fall. - Common exam traps that test the opposing nature of interest rate risk and reinvestment risk. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/8ukWQv1tg687/Dk58MtfiJ52_bEGZUV.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/8ukWQv1tg687/1778631703/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dk58MtfiJ52</video:player_loc>
      <video:duration>201</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-83-pediatric-respiratory-conditions</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 83, Pediatric Respiratory Conditions</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate between Croup (viral, barking cough) and Epiglottitis (bacterial, drooling), and why one is a medical emergency. The absolute contraindication of using a tongue depressor in a child with suspected Epiglottitis. Why nasal suctioning is the priority nursing intervention for an infant with Bronchiolitis (RSV), especially before feeding. The correct order of medication administration during an acute pediatric asthma attack, prioritizing bronchodilators over corticosteroids. How to identify early and subtle signs of pediatric respiratory distress, such as tachypnea and nasal flaring, which are tested before late signs like cyanosis. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DqAKItbcJY26/Dk5SNcLiJ42_AkDiWg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DqAKItbcJY26/1778631702/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=Dk5SNcLiJ42</video:player_loc>
      <video:duration>202</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-38-trusts-and-estates-as-clients</loc>
    <video:video>
      <video:title>Series 65 38, Trusts and Estates as Clients</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key tax and control differences between revocable and irrevocable trusts. - The fiduciary responsibilities of a trustee under the Uniform Prudent Investor Act. - How trusts and wills interact with the probate process in estate planning. - The purpose and application of the Generation-Skipping Transfer Tax (GSTT). - A mnemonic to easily distinguish between revocable and irrevocable trusts for the exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/FZl0NxWAhYTZ/usqeocLjcj2_dHZjNl.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=usqeocLjcj2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-12-information-about-brokerage-services-iabs</loc>
    <video:video>
      <video:title>Real Estate Exam Texas 12, Information About Brokerage Services IABS</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - When you must provide the IABS form (at the first substantive dialogue, not first contact). - The definition of a substantive dialogue with a practical open house example. - The key exemptions from the IABS requirement, including leases under one year and open houses. - Common exam traps, such as placing a link in an email signature versus the email body. - The crucial distinction that the IABS is a disclosure notice, not a contract that creates agency. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/F3dK3tvAd2ms/uYW1otficy2_ogTgDL.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uYW1otficy2</video:player_loc>
      <video:duration>203</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-37-business-entity-types-as-clients</loc>
    <video:video>
      <video:title>Series 65 37, Business Entity Types as Clients</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The fiduciary considerations for a sole proprietorship center on the single owners suitability due to unlimited personal liability. - For general partnerships, suitability must be determined for all partners because they all share unlimited liability. - LLCs and S-corporations offer limited liability, and investment recommendations must consider all members or shareholders. - C-corporations are separate legal and taxable entities therefore, suitability is based on the corporation itself, not the shareholders. - A key distinction for the Series 65 exam is understanding the pass-through taxation of sole proprietorships, partnerships, LLCs, and S-corps versus the double taxation of C-corps. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/DgFeJvqtR2e4/0dWKUseycy2_ywOXHk.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/DgFeJvqtR2e4/1778631980/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=0dWKUseycy2</video:player_loc>
      <video:duration>204</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-97-mobility-and-safe-patient-handling</loc>
    <video:video>
      <video:title>Nursing Exam Prep NCLEX-RN 97, Mobility and Safe Patient Handling</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Prioritize a thorough patient assessment of vital signs and pain before any mobility or transfer activity. Apply proper body mechanics using the B.A.C.K. mnemonic (Bend, Align, Center, Keep close) to protect yourself from injury. Select the correct assistive device, such as a cane on the strong side, based on the patients specific stability and weight-bearing status. Identify common NCLEX traps, such as relying on a patients self-report of readiness over objective clinical data. Connect safe positioning and regular turning schedules to the prevention of pressure injuries in immobile patients. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Hedge funds and private equity are unregistered securities suitable only for accredited investors who meet specific income or net worth tests. - The net worth calculation for an accredited investor explicitly excludes the value of their primary residence, a common exam trap. - These investments are characterized by limited liquidity, often enforced by multi-year lock-up periods during which shares cannot be sold. - The use of leverage is a key strategy to amplify returns, but it also significantly magnifies the risk of loss, a critical disclosure point. - They typically feature a high 2 and 20 fee structure and fund of funds structures can lead to multiple layers of fees for the investor. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Major Medical policies provide broad coverage with high limits and are the most tested health policy type. - The correct calculation order for a claim is: total bill, minus the calendar-year deductible, then apply the coinsurance percentage. - The out-of-pocket maximum, also known as the stop-loss provision, is the absolute most an insured will pay for covered costs in a year. - Exam questions frequently test your ability to calculate the final amounts paid by both the insurer and the insured. - A corridor deductible is a unique feature of supplemental major medical plans, paid by the insured after a base plans benefits are exhausted but before the major medical plan pays. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The gain on a partnership interest sale is split between ordinary income and capital gain. A partners basis, crucial for the gain calculation, must be adjusted for all K-1 items like income, losses, and distributions. Section 751 hot assets, which are unrealized receivables and inventory, are what trigger ordinary income treatment. Any gain remaining after accounting for the hot asset portion is treated as a capital gain. Partnerships must file Form 8308 to report the sale of an interest involving hot assets to both the IRS and the partner. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How a strengthening U.S. dollar negatively impacts U.S. exporters and benefits U.S. importers. - The direct relationship between a strong dollar and a U.S. trade deficit. - How a weakening U.S. dollar can help reduce a trade deficit by making exports cheaper and imports more expensive. - The concept of the balance of payments, including the current account and the difference between debits (money out) and credits (money in). - The connection between Federal Reserve monetary policy, interest rates, currency strength, and the balance of trade.</video:description>
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      <video:description>The ASWB social work licensing exam is changing in August 2026. This video breaks down everything you need to know: the new 3-domain structure, the shift from 150 to 110 scored questions, and the critical new focus on applied ethics. Well explain the difference between old KSA questions and new applied knowledge scenarios and give you a concrete 8-week study plan to prepare. Read the full guide on our blog: https://open-exam-prep.com/blog/aswb-exam-2026-changes-new-format-study-guide Start our FREE ASWB study course updated for the 2026 exam. Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:42 - Scene 2 1:10 - Scene 3 1:41 - Scene 4 2:18 - Scene 5 2:52 - Scene 6 3:22 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - LCSW Study Guide 2025-2026: Complete Review + 1020 Questions and Detailed Answer Explanations for the ASWB Clinical Social Work Exam (6 Full-Length Exams): https://www.amazon.com/dp/1998805506?tag=openexamprep-20 - Social Work ASWB Clinical Exam Guide, Second Edition: A Comprehensive Study Guide for Success - Book and Free App Updated ASWB Clinical Exam Guide with ASWB Clinical Practice Exam: https://www.amazon.com/dp/0826147135?tag=openexamprep-20</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Standard deviation measures an investments total risk, which is the combination of systematic and unsystematic risk. - Beta is a narrower metric that measures only the systematic, or market, risk of an investment relative to a benchmark like the S&amp;amp;P 500. - Alpha represents the excess return an investment earns above its expected return, given its beta, serving as a measure of manager performance. - R-squared indicates how much of a portfolios movement is explained by its benchmark, and a high R-squared is necessary for alpha and beta to be considered reliable statistics. - A common Series 65 exam trap involves a security with a high alpha but a low R-squared, which implies the alpha is not a meaningful indicator of performance. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Distinguish the three grounds for an OIC: Doubt as to Collectibility, Doubt as to Liability, and Effective Tax Administration (ETA). Understand that Reasonable Collection Potential (RCP) is the key metric for Doubt as to Collectibility offers. Recognize that Doubt as to Liability focuses on the legitimacy of the tax debt, not the taxpayers ability to pay. Identify that ETA offers apply when collection in full would cause severe economic hardship, even if the taxpayer could technically pay. Recall that taxpayers must be fully compliant with all current filing and payment obligations before an OIC will be considered. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Taxpayers must be age 70½ or older to make a Qualified Charitable Distribution (QCD). A QCD allows a direct, tax-free transfer of up to 105,000 (indexed annually) from an IRA to an eligible charity. The amount of the QCD can satisfy all or part of a taxpayers Required Minimum Distribution (RMD) for the year. A key exam trap is understanding that funds must go directly from the IRA to the charity if the taxpayer receives them first, the distribution is taxable. A QCD is excluded from the taxpayers Adjusted Gross Income (AGI) and cannot also be claimed as an itemized charitable deduction. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>FREE PHR Study Guide 2026: The 10-Week Plan to Pass (72% Pass Rate)</video:title>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Partnership for Long-Term Care Programs allow individuals to protect assets from Medicaid spend-down requirements on a dollar-for-dollar basis. - To be partnership-qualified, LTC policies must be tax-qualified and include specific, age-based inflation protection. - The NAIC Model Act provides critical consumer protections for LTC policies, including that they must be guaranteed renewable. - LTC policies cannot require prior hospitalization to trigger benefits and cannot exclude coverage for Alzheimers disease. - A 30-day free-look period is a standard consumer protection provision in long-term care insurance policies. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific income (200k/300k) and net worth (1M) thresholds for an Accredited Investor. - Why the value of a primary residence is a common exam trap in the net worth calculation. - The definition of a Qualified Purchaser, focusing on the 5 million in investments requirement. - How these definitions allow access to private placements and hedge funds under Regulation D and the Investment Company Act of 1940. - The key hierarchy: all Qualified Purchasers are Accredited Investors, but not all Accredited Investors are Qualified Purchasers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The key difference between an exclusive and non-exclusive buyer representation agreement and how it impacts commission. - The essential elements required for a buyer representation agreement to be valid and enforceable in Texas. - How broker compensation is structured within the agreement, including who pays and what happens when commissions differ. - The rules surrounding the termination of an agreement and the buyers potential liability. - How the protection period (safety clause) works, and the critical step an agent must take to enforce it. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>233</video:duration>
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      <video:title>Series 65 25, Equity Valuation Methods</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The core distinction between fundamental analysis (evaluating a businesss intrinsic health) and technical analysis (evaluating market trends and price charts) for the Series 65 exam. - How the P/E ratio is used to assess if a stock is overvalued or undervalued, and its typical association with growth and value companies. - Why the PEG ratio provides a more complete picture than the P/E ratio by incorporating the companys earnings growth rate. - The conceptual basis of the dividend discount model, which values a stock based on the present value of its future dividend payments. - The meaning of book value and how the price-to-book ratio can be used to identify potentially undervalued securities. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 79, Mechanical Ventilation</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to differentiate key ventilator modes like Assist-Control (AC) and its risk for respiratory alkalosis versus Synchronized Intermittent Mandatory Ventilation (SIMV) used for weaning. Why increasing PEEP improves oxygenation but requires an immediate blood pressure assessment due to the risk of hypotension from decreased cardiac output. The critical components of the Ventilator-Associated Pneumonia (VAP) bundle, including head-of-bed elevation, sedation vacations, and meticulous oral care. How to use the DOPE mnemonic to rapidly troubleshoot ventilator alarms, distinguishing between high-pressure alarms caused by obstructions and low-pressure alarms caused by leaks. The absolute priority nursing action for any unresolved ventilator alarm in a deteriorating patient is to disconnect and manually ventilate with an Ambu bag. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>233</video:duration>
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    <loc>https://videos.open-exam-prep.com/v/nursing-exam-prep-nclex-rn-77-shock-states</loc>
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      <video:title>Nursing Exam Prep NCLEX-RN 77, Shock States</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Differentiate shock by its core problem: Pump (Cardiogenic), Pipe (Distributive), Tank (Hypovolemic), or Block (Obstructive). Recognize that while hypotension is common, early shock signs include tachycardia, tachypnea, and altered mental status. Understand the critical difference in fluid resuscitation aggressive fluids are vital in hypovolemic and distributive shock but are harmful in cardiogenic shock. Identify distributive shock (like sepsis) by massive vasodilation leading to relative hypovolemia and a low systemic vascular resistance. Prioritize interventions for obstructive shock that relieve the physical obstruction, such as a pericardiocentesis for cardiac tamponade. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>236</video:duration>
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      <video:title>Enrolled Agent Exam Part 2 02, Self-Employment Tax and Schedule SE</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to properly calculate the base for self-employment tax by first applying the 92.35% multiplier to net earnings. - The breakdown of the 15.3% SE tax rate into its 12.4% Social Security and 2.9% Medicare components. - How the Social Security wage base limit affects the tax calculation, especially when a taxpayer has both W-2 wages and self-employment income. - The income thresholds and rules for the Additional 0.9% Medicare Tax. - The correct placement of the deduction for one-half of self-employment tax as an above-the-line adjustment to income. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>238</video:duration>
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      <video:title>Enrolled Agent Exam Part 1 100, Exam Day Strategies and Final Review</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Master time management by aiming for an average of 2.1 minutes per question, banking time on easier questions for more complex ones. Utilize the Answer, Flag, and Drag method to ensure you answer every question, flagging difficult ones to review at the end of the section. Fully take your mandatory 15-minute break after the first 50 questions to reset mentally, remembering you cannot return to the first section. Focus your final review on high-weight Part 1 topics like gross income, adjustments to AGI, and standard versus itemized deductions. Beware of common exam traps like absolute words (always, never) and confusing similar concepts such as adjustments and itemized deductions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>236</video:duration>
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  <url>
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      <video:title>Enrolled Agent Exam Part 1 91, Retirement Plan Contribution Limits for 2025</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: The 2025 base, standard catch-up, and special age 60-63 catch-up limits for 401(k) plans. The 2025 contribution and catch-up limits for Traditional and Roth IRAs. How to differentiate and apply the unique contribution rules for SIMPLE IRAs, including their two catch-up tiers. The calculation method and overall limit for SEP IRA contributions for self-employed individuals. Common exam traps, such as confusing different plan limits and misinterpreting the new age-based catch-up rules. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>237</video:duration>
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  <url>
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      <video:title>Enrolled Agent Exam Part 1 78, Net Operating Losses (NOLs)</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to apply the 80% taxable income limitation to Net Operating Loss deductions. The modern rule for NOLs is indefinite carryforward with no carryback, except for specific farming losses. Why nonbusiness deductions like the standard deduction cannot create or increase an NOL. Common exam traps, such as confusing current NOL rules with outdated pre-TCJA or temporary CARES Act provisions. The simple mnemonic Eighty Forward Forever to remember the core post-2020 NOL rules. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>240</video:duration>
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      <video:title>FREE CAPM Study Plan: How to Pass in 10 Weeks (2026 Guide)</video:title>
      <video:description>Your complete guide to passing the 2026 PMI Certified Associate in Project Management (CAPM) exam. This video provides a free, 10-week study plan perfect for career changers and aspiring project managers. We cover: - The 2026 CAPM exam format and structure - A strategic breakdown of the four weighted domains - A week-by-week study timeline (7-10 hours/week) - Key readiness targets before you test - Essential test-taking strategies for exam day - CAPM career and salary expectations Ready to get started? Access our 100% FREE CAPM practice questions and study materials here: https://open-exam-prep.com/blog/capm-exam-study-guide-2026 Timestamps: 0:00 - Introduction 0:07 - Scene 1 0:40 - Scene 2 1:15 - Scene 3 1:50 - Scene 4 2:25 - Scene 5 3:02 - Scene 6 3:36 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - CAPM Exam Prep 2025-2026: Unofficial All in One CAPM Study Guide 2025 for the Certified Associate in Project Management Examination. Includes CAPM Exam Review Material and 787 Practice Test Questions: https://www.amazon.com/dp/B0DQB7F8D3?tag=openexamprep-20</video:description>
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      <video:duration>239</video:duration>
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  <url>
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      <video:title>Health Insurance 19, Entire Contract and Time Limit on Certain Defenses</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Entire Contract provision consists of the policy, the application, and any attached riders, forming the complete agreement. - Verbal statements or promises made by an agent that are not in the written contract are unenforceable. - The Time Limit on Certain Defenses sets a two-year period for insurers to contest misstatements on an application. - After the two-year contestability period, a policy cannot be voided or a claim denied for misstatements, unless they were fraudulent. - A key exam trap involves scenarios where a claim arises after the two-year period for non-fraudulent misstatements, the insurer must pay. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>238</video:duration>
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      <video:title>Enrolled Agent Exam Part 1 75, Passive Activity Loss Carryovers</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Suspended passive losses are not permanently lost they are carried forward indefinitely to future tax years. Carryover losses are first used to offset passive income from any source before being applied to nonpassive income. A complete, taxable disposition of a passive activity unlocks all suspended losses associated with that specific activity. Upon death, suspended losses are deductible on the final return, but reduced by the step-up in basis. When a passive activity is gifted, the suspended losses are added to the recipients basis and are not deductible by the donor. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>242</video:duration>
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      <video:title>Real Estate Exam National 04, Physical Characteristics of Land Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: Immobility ensures that land transactions are always governed by the laws of the jurisdiction where the land is located. Indestructibility is the physical characteristic that prevents land from being depreciated for tax purposes. Uniqueness, also known as non-homogeneity, is the legal basis for the remedy of specific performance in real estate contracts. The mnemonic I I U helps candidates distinguish physical characteristics from economic ones like situs and scarcity. National exam questions often use the term non-homogeneity to test a candidates understanding that no two parcels of land are identical. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>239</video:duration>
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      <video:title>How to Pass the Pesticide Applicator Exam in 2026 (Core + Category Guide)</video:title>
      <video:description>Your complete guide to passing the 2026 Pesticide Applicator exam. This video covers the EPAs Core + Category framework under 40 CFR 171, key topics like calibration math and signal words, and the most common commercial categories. Well walk you through the test structure, common mistakes, and how certification can boost your salary. Get 100% FREE study guides, practice questions, and calibration worksheets at open-exam-prep.com. Full blog guide: https://open-exam-prep.com/blog/pesticide-applicator-exam-guide-2026 Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:44 - Scene 2 1:17 - Scene 3 1:50 - Scene 4 2:25 - Scene 5 2:56 - Scene 6 3:30 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - Pesticide Applicator Exam Study Guide 2026-2027: Over 450 Practice Test Questions with Step-by-Step Explanations: https://www.amazon.com/dp/B0GMPPWT9F?tag=openexamprep-20 - California Qualified Applicator License: Laws, Regulations, and Basic Principles of Safe and Effective Pesticide Use: https://www.amazon.com/dp/B0DXFB3J7F?tag=openexamprep-20 - PESTICIDE APPLICATOR EXAM PREP BOOK 2026: A Comprehensive Review with Full-Length Practice Test to help you master the PESTICIDE APPLICATOR Exam: https://www.amazon.com/dp/B0GQGDHRW6?tag=openexamprep-20</video:description>
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      <video:title>FREE CCMA Study Guide 2026: How to Pass the NHA Exam (8-Week Plan)</video:title>
      <video:description>This video provides a complete CCMA study guide for the 2026 NHA exam. We break down the official exam blueprint, domain weights, and pass-rate trends to build a practical, 8-week study plan that works for busy candidates. Inside this guide: - NHA CCMA Exam Format (180 questions, 3-hour limit, 390 passing score) - Key Domains: Clinical Patient Care (18%), Phlebotomy &amp;amp; EKG (16%) - A step-by-step 8-week study timeline - Common mistakes to avoid - Career and salary outlook for Medical Assistants (44,200 median pay) Read the full article and access our 100% FREE CCMA practice questions: https://open-exam-prep.com/blog/ccma-study-guide-2026 Prepare with our free CCMA practice tests: https://open-exam-prep.com/practice/ccma Timestamps: 0:00 - Introduction 0:06 - Scene 1 0:41 - Scene 2 1:15 - Scene 3 1:49 - Scene 4 2:25 - Scene 5 2:56 - Scene 6 3:34 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - NHA CCMA Study Guide 2026-2027: Complete Review + 3240 Questions and Detailed Answer Explanations for the Certified Clinical Medical Assistant Exam (18 Full-Length Exams): https://www.amazon.com/dp/1998805603?tag=openexamprep-20</video:description>
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      <video:title>Real Estate Exam National 92, Material Facts and Stigmatized Property Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The definition of material facts and the reasonable person standard for property disclosure. Why latent defects must be disclosed even when a property is sold in as is condition. The distinction between physical property defects and psychological stigmas like notorious crimes. Federal requirements for lead-based paint disclosures and their impact on material fact standards. How to avoid misrepresentation and fraud when a buyer asks direct questions about a property stigma. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>ServSafe Manager Exam Prep 10, The FAT TOM Conditions for Bacterial Growth</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - FAT TOM is a mnemonic for the six conditions bacteria need to grow: Food, Acidity, Time, Temperature, Oxygen, and Moisture. - The FDA Food Code defines the temperature danger zone as 41F to 135F, the range where pathogens multiply most rapidly. - TCS foods can only be exposed to the temperature danger zone for a cumulative maximum of four hours before they must be discarded. - Bacteria thrive in a neutral to slightly acidic environment with a pH between 4.6 and 7.5. - Foods with a high water activity (aw) of 0.85 or greater provide sufficient moisture to support bacterial growth. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to calculate Section 704(c) built-in gain when a partner contributes appreciated property. - The mandatory allocation of pre-contribution gain back to the contributing partner when the partnership sells the asset. - The definition and impact of the ceiling rule limitation under the traditional allocation method. - The purpose of the traditional method with curative allocations and the remedial method in correcting ceiling rule distortions. - How to properly allocate post-contribution appreciation based on the partnership agreement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Enrolled Agent Exam Part 1 97, Tax Return Preparer Due Diligence</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Due diligence under Section 6695(g) is mandatory for returns claiming EITC, CTC/ACTC, AOTC, and HOH status. Completing and filing Form 8867 is a non-negotiable part of the due diligence process. The knowledge requirement demands proactive questioning and probing of client information, not just passive acceptance. The 2025 penalty is 600 per failure, meaning multiple errors on one return can lead to multiple penalties. Use the mnemonic Kings Cant Refuse Documents to recall the four pillars: Knowledge, Checklists (Form 8867), Record Retention, and Documentation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: CC&amp;amp;Rs are private land use controls that are recorded in the deed and run with the land to bind all future owners. In a conflict between public zoning and private CC&amp;amp;Rs, the more restrictive requirement always takes precedence. Covenants are promises where violations lead to injunctions or damages, while conditions carry the risk of title forfeiture. Enforcement is handled privately through HOAs or neighbors, and the doctrine of laches can prevent enforcement if delayed too long. Any private restriction that violates Fair Housing laws is illegal, unenforceable, and considered void. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>254</video:duration>
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      <video:title>Real Estate Exam National 03, Bundle of Rights Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How to use the DEEP-C mnemonic to identify the five primary rights of ownership. Why the right of disposition includes encumbrances and easements, not just property sales. The distinction between the right of possession and the right of enjoyment regarding title claims. How the right of control is limited by government police powers and zoning regulations. The concept of severability and how owners can transfer individual sticks from their bundle. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>248</video:duration>
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      <video:title>How to Pass the AHIMA RHIT Exam in 2026 (A Step-by-Step Guide)</video:title>
      <video:description>Get the complete guide to passing the 2026 AHIMA Registered Health Information Technician (RHIT) exam. This video breaks down the RHIT exam structure, the 6 content domains, common failure points like healthcare statistics, and the critical CAHIIM eligibility rule. Learn why the RHIT is a valuable HIM generalist credential and how to prepare with a proven study plan. Read the full guide on our blog: https://open-exam-prep.com/blog/ahima-rhit-registered-health-information-technician-exam-guide-2026 Start your FREE RHIT exam prep with our practice questions: https://open-exam-prep.com/practice/rhit Timestamps: 0:00 - Introduction 0:08 - Scene 1 0:42 - Scene 2 1:14 - Scene 3 1:54 - Scene 4 2:25 - Scene 5 3:01 - Scene 6 3:35 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - RHIT Exam Secrets Study Guide: RHIT Test Review for the Registered Health Information Technician Exam: https://www.amazon.com/dp/1610728270?tag=openexamprep-20 - RHIT Exam Prep: Study Guide for the Registered Health Information Technician Certification Exam 12 Full-Length Practice Exams 1800 Questions: https://www.amazon.com/dp/B0FNS38T1H?tag=openexamprep-20 - RHIT Exam Prep All-in-One Study Guide 1,262+ Q&amp;amp;A with Explanations 4 Practice Exams 2 Online Simulators Covers All 6 Exam Domains Updated ... (RHIT) Exam Certification Study Guide: https://www.amazon.com/dp/B0DX7FZ2B5?tag=openexamprep-20</video:description>
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      <video:title>Real Estate Exam National 95, Variances and Nonconforming Uses Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - The legal definition of a variance and the mandatory requirement of proving physical hardship. - Why financial gain and personal convenience are never grounds for a zoning variance. - How nonconforming uses are established via grandfather clauses when zoning laws change. - The three primary ways a nonconforming use can be lost through expansion, abandonment, or destruction. - The critical distinction between a legal nonconforming use and an illegal use violation. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>260</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to apply Eriksons psychosocial stages to answer NCLEX questions on patient care. Identifying age-appropriate communication techniques, from offering toddlers choices to ensuring adolescent privacy. Recognizing developmental red flags versus normal findings, such as stranger anxiety in an infant. The importance of safety interventions tailored to each developmental stages unique risks. Using the progression of play (Solitary, Parallel, Associative, Cooperative) to select appropriate toys and activities. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:title>Nursing Exam Prep NCLEX-RN 81, Postoperative Complications</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: Recognize the timeline of postoperative complications using the 5 Ws mnemonic (Wind, Water, Wound, Walking, Wonder Drug). Prioritize airway and breathing atelectasis is the most common complication in the first 48 hours, signaled by diminished breath sounds and low-grade fever. Identify subtle signs of hemorrhage and shock, such as restlessness and tachycardia, which often appear before a significant drop in blood pressure. Differentiate between wound dehiscence and evisceration, understanding the critical first action for evisceration is to cover the wound with a sterile, saline-soaked dressing. Anticipate paralytic ileus in abdominal surgery patients by assessing for absent bowel sounds and abdominal distention, and know that early ambulation is a key preventative measure. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>256</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: The critical ownership and taxation differences between stock companies and mutual companies. How to identify fraternal benefit societies through keywords like lodge system and nonprofit status. The specific role of an attorney-in-fact in managing unincorporated reciprocal insurers. Why Lloyds associations are classified as syndicates of underwriters rather than traditional insurance carriers. How to navigate exam questions regarding the election of the board of directors for different organization types. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>252</video:duration>
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      <video:title>FREE NCE Study Guide 2026: The 12-Week Plan to Pass the National Counselor Exam</video:title>
      <video:description>Stop memorizing and start preparing strategically for the National Counselor Examination (NCE). This free 2026 study guide gives you the 12-week plan, pacing strategies, and high-yield domain focus you need to pass. Learn to master the NBCC format, avoid common traps, and build your clinical judgment and endurance for test day. Access our full guide and 100% FREE NCE practice questions at open-exam-prep.com. Full blog guide: https://open-exam-prep.com/blog/nbcc-nce-study-guide-2026 Timestamps: 0:00 - Introduction 0:05 - Scene 1 0:43 - Scene 2 1:21 - Scene 3 1:57 - Scene 4 2:27 - Scene 5 3:02 - Scene 6 3:36 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - National Counselor Examination (NCE) Study Guide 2026: A Complete Exam Review Featuring Practice Questions, Mastery Strategies, and Full-Length Mock Exams: https://www.amazon.com/dp/B0GLDVR927?tag=openexamprep-20</video:description>
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      <video:duration>247</video:duration>
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      <video:title>Series 65 29, Exchange-Traded Funds vs Mutual Funds</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That ETFs can be traded throughout the day at changing prices, while mutual funds are priced only once per day at the closing Net Asset Value (NAV). - How the in-kind creation and redemption process makes ETFs generally more tax-efficient by avoiding the forced capital gain distributions common in mutual funds. - The crucial difference between passively managed index ETFs, which aim to track a benchmark at a low cost, and actively managed ETFs, where a manager attempts to outperform an index. - Why an ETFs structure can be more suitable for clients in high tax brackets or those who want the flexibility to react to market news during the trading day. - A simple mnemonic to remember the trading difference: ETFs trade all day, but mutual funds wait for the final say. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>262</video:duration>
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      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That cumulative preferred stock requires issuers to pay all missed dividends (arrears) before paying common stockholders. - How convertible preferred stock offers the potential for capital appreciation by allowing conversion into common stock, usually for a lower dividend. - Why callable preferred stock benefits the issuer, who can redeem shares when interest rates fall, creating reinvestment risk for the investor. - That participating preferred stock allows holders to receive extra dividends beyond the stated rate during highly profitable years. - How preferred stock prices are sensitive to interest rates, moving inversely to rate changes, similar to bonds. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>264</video:duration>
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      <video:title>Real Estate Exam National 99, Real Estate Math Fundamentals Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How to calculate the necessary sales price to achieve a specific net amount for a seller using the 100% minus commission rate method. A simple mnemonic to memorize 43,560 square feet in an acre to ensure accuracy on land measurement problems. The critical rule of using the lower of the appraised value or sales price when calculating Loan-to-Value ratios. How to identify and exclude non-operating expenses like mortgage interest and depreciation when calculating Net Operating Income. The process for calculating daily prorations using a 360-day statutory year to allocate closing costs between buyers and sellers. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>263</video:duration>
    </video:video>
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    <loc>https://videos.open-exam-prep.com/v/sie-25-bond-risks-call-inflation-and-liquidity</loc>
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      <video:title>SIE 25, Bond Risks - Call, Inflation, and Liquidity</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the SIE Exam. In this episode you will learn: - The relationship between falling interest rates and an issuers decision to call a bond. - How callable bonds create reinvestment risk for investors. - The definition of purchasing power risk and its impact on fixed-income investments. - How liquidity risk varies significantly between different types of bonds, such as Treasuries and municipal bonds. - A mnemonic to help distinguish between call, inflation, and liquidity risks on the exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/iwEwsfKiJWHz/0Yq8UYe5ci2_IYCASu.jpg</video:thumbnail_loc>
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      <video:duration>261</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-texas-19-agent-disclosure-duties</loc>
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      <video:title>Real Estate Exam Texas 19, Agent Disclosure Duties</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An agents independent duty to disclose known material facts overrides a sellers instructions. - The specific requirements for the federal lead-based paint disclosure for all homes built before 1978. - The consequences for failing to provide a Municipal Utility District (MUD) notice before a contract is signed. - Key disclosure rules for Public Improvement Districts (PIDs) and properties in coastal areas. - A simple mnemonic, L-M-P-C, to remember the major statutory disclosures tested on the Texas exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lGEAddKjM0OZ/0YWnVZePdy2_rPGdrV.jpg</video:thumbnail_loc>
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      <video:duration>244</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-93-government-powers-pete-explained</loc>
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      <video:title>Real Estate Exam National 93, Government Powers PETE Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The critical distinction between Police Power and Eminent Domain regarding owner compensation. How to differentiate the right of Eminent Domain from the legal process of condemnation. The Fifth Amendment requirements of public use and just compensation for government takings. Why property tax liens maintain a super-priority status over other recorded liens. The conditions under which property reverts to the state through the power of Escheat. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QsEolxvqNKGY/uZrTpJfici2_qfqJLE.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uZrTpJfici2</video:player_loc>
      <video:duration>266</video:duration>
    </video:video>
  </url>
  <url>
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      <video:title>Real Estate Exam National 86, Assumption vs Subject To Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The critical legal differences in personal liability between assuming a mortgage and taking title subject to a lien. How the process of novation works to legally release an original seller from debt obligations. The role of the alienation clause and why it prevents the transfer of most conventional loans. Which government-backed loan types typically allow for assumption by a new buyer. How to identify the correct party responsible for deficiency judgments in different foreclosure scenarios. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lwsotvfjISP5/uZXnpYKzdz2_PMahtR.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uZXnpYKzdz2</video:player_loc>
      <video:duration>264</video:duration>
    </video:video>
  </url>
  <url>
    <loc>https://videos.open-exam-prep.com/v/life-insurance-exam-national-04-lines-of-authority-and-license-types-explained</loc>
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      <video:title>Life Insurance Exam National 04 Lines of Authority and License Types Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam Life Insurance exam. In this episode you will learn: The critical distinctions between Life and Accident and Health lines of authority. The dual-registration requirements involving FINRA for Variable products. How the exam differentiates between Property damage and Casualty liability. The commercial restrictions inherent in the Personal Lines license. Using the LAP CVP mnemonic to master the major lines of authority. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/owccBxXiJGaW/0ZqCVYK5ci2_quOkge.jpg</video:thumbnail_loc>
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      <video:duration>264</video:duration>
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  <url>
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      <video:title>Enrolled Agent Exam Part 2 05, Partnership Formation 721 Nonrecognition</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That under 721, neither the partner nor the partnership generally recognizes a gain or loss on the contribution of property for a partnership interest. - How a partners initial basis is determined by the adjusted basis of the property they contribute, not its fair market value. - How liabilities assumed by the partnership reduce a partners outside basis by the net amount of debt relief. - The critical exception where a partner must recognize capital gain if the net liability relief exceeds their contributed propertys basis. - That contributing services for a partnership interest is a taxable event resulting in ordinary income, as 721 only applies to property. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:duration>267</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-98-easements-explained</loc>
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      <video:title>Real Estate Exam National 98, Easements Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The critical differences between Easements Appurtenant and Easements In Gross. How to correctly identify the Dominant and Servient estates in exam scenarios. The legal requirements for creating easements through Necessity and Prescription. Common termination methods including Merger, Release, and Abandonment. A simple mnemonic to remember which property carries the burden of an easement. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/k5pMhxeaNKJq/1IX8odfOcz2_GqOXnk.jpg</video:thumbnail_loc>
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      <video:duration>275</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-89-cercla-and-superfund-liability-explained</loc>
    <video:video>
      <video:title>Real Estate Exam National 89, CERCLA and Superfund Liability Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: CERCLA creates a federal Superfund for cleaning up hazardous waste sites and emergency pollutant releases. Strict liability means owners are responsible regardless of whether they were negligent or even aware of the contamination. Joint and several liability allows the government to hold a single owner responsible for the entire cost of cleanup. Retroactive liability extends the financial burden to previous owners who held title when the hazardous substances were disposed of. The innocent landowner defense is only available if a Phase One environmental site assessment was conducted prior to purchase. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/QUFUwfubIWQz/1YXCVJe4dj2_hJMvfh.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/QUFUwfubIWQz/1778641240/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1YXCVJe4dj2</video:player_loc>
      <video:duration>278</video:duration>
    </video:video>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-36-individual-client-profiles-and-life-stages</loc>
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      <video:title>Series 65 36, Individual Client Profiles and Life Stages</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How the four client life stages (Accumulation, Consolidation, Spending, Gifting) directly impact suitable asset allocation on the Series 65 exam. - The critical difference between risk capacity and risk tolerance, and which takes precedence in exam scenarios. - Why a clients time horizon for a specific goal can override their general life stage in determining investment strategy. - How to identify common exam traps that test your understanding of matching client profiles to appropriate investment recommendations. - A simple mnemonic, All Children Spend Gifts, to easily recall the typical progression of financial life stages. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:content_loc>https://streaming.open.video/contents/k5xcFteqIWbX/1778641301/index.m3u8</video:content_loc>
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      <video:duration>282</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/series-65-23-common-stock-fundamentals</loc>
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      <video:title>Series 65 23, Common Stock Fundamentals</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The difference between statutory and cumulative voting rights and how they are tested. - How preemptive rights protect shareholders from dilution during new share issuance. - The mechanics of forward and reverse stock splits and their impact on an investors total position value. - The standard market capitalization classifications (large-cap, mid-cap, small-cap) and their associated risk profiles. - The key characteristics that distinguish growth stocks (high P/E, no dividends) from value stocks (low P/E, dividends). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/lTxchhKrIGa5/1tXmpdKyIy2_iBSkps.jpg</video:thumbnail_loc>
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      <video:duration>283</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-91-flood-zone-and-wetlands-regulations-explained</loc>
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      <video:title>Real Estate Exam National 91, Flood Zone and Wetlands Regulations Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: How to identify Special Flood Hazard Areas (SFHAs) and the specific requirements for Zones A and V. The mandatory insurance rules for properties with federally related mortgages in high-risk zones. The definition of wetlands under Section 404 of the Clean Water Act and the role of the U.S. Army Corps of Engineers. Why flood zone and wetland status are considered material facts that require mandatory disclosure. Common exam traps regarding standard homeowners insurance coverage and federal vs. private insurance roles. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/R5dUsdqigGcr/1JX9UceyIi2_EAbgKb.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/R5dUsdqigGcr/1778641280/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1JX9UceyIi2</video:player_loc>
      <video:duration>280</video:duration>
    </video:video>
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  <url>
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      <video:title>Real Estate Exam National 84, Loan Qualification DTI Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: - How to distinguish between front end housing ratios and back end total debt ratios. - Why lenders require gross monthly income instead of net income for all DTI calculations. - The standard qualifying percentages for conventional loans (28/36) and FHA loans (31/43). - Which monthly recurring obligations count toward the back end ratio and which expenses to ignore. - The role of the three CsCapacity, Capital, and Characterin the mortgage underwriting process. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/p-dkFd1qI4lY/1trDUcKjJi2_jGpYCg.jpg</video:thumbnail_loc>
      <video:content_loc>https://streaming.open.video/contents/p-dkFd1qI4lY/1778641246/index.m3u8</video:content_loc>
      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=1trDUcKjJi2</video:player_loc>
      <video:duration>273</video:duration>
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  <url>
    <loc>https://videos.open-exam-prep.com/v/real-estate-exam-national-96-eminent-domain-and-condemnation-explained</loc>
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      <video:title>Real Estate Exam National 96, Eminent Domain and Condemnation Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The distinction between the governments power of Eminent Domain and the legal process of Condemnation. The two constitutional requirements under the Fifth Amendment including public use and just compensation. How just compensation is calculated using fair market value at the time of the taking. The definition of Inverse Condemnation and how it differs from standard condemnation proceedings. Essential mnemonics like PETE and ICE to categorize government powers and property taking steps. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uIr9oZKyI52</video:player_loc>
      <video:duration>284</video:duration>
    </video:video>
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  <url>
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      <video:title>Real Estate Exam National 83, TILA and TRID Explained</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam. In this episode you will learn: The critical difference between Interest Rate and APR for disclosure purposes. Which specific loan types qualify for the TILA three-day right of rescission. The exact timelines for delivering the Loan Estimate and the Closing Disclosure. How to identify trigger terms in real estate advertising that require full disclosure. The Three Three Three mnemonic for mastering TRID timing requirements. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
      <video:thumbnail_loc>https://video-meta.open.video/poster/PTxgtfuihGHY/uYWCpdK5I52_JLBMsE.jpg</video:thumbnail_loc>
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      <video:player_loc>https://videos.open-exam-prep.com/embed?contentId=uYWCpdK5I52</video:player_loc>
      <video:duration>278</video:duration>
    </video:video>
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      <video:title>How to Pass the 2026 NBRC TMC Exam: An 8-Week Study Plan</video:title>
      <video:description>Get the complete guide to passing your CRT and RRT exams in 2026. This video breaks down the NBRC TMC exam format, the content you MUST focus on, how scoring works for the RRT pathway, and the critical 2027 transition timeline. We provide a detailed, week-by-week 8-week study plan to help you prepare effectively. Find more free resources, practice questions, and study guides on our site. Read the full article: https://open-exam-prep.com/blog/crt-rrt-exam-guide-2026 Timestamps: 0:00 - Introduction 0:07 - Scene 1 0:37 - Scene 2 1:09 - Scene 3 1:38 - Scene 4 2:09 - Scene 5 2:39 - Scene 6 3:10 - Next steps Recommended study resources: Disclosure: As an Amazon Associate, Open Exam Prep earns from qualifying purchases. We may earn a commission if you buy through these links. - NBRC STUDY GUIDE 2025-2026: THE ALL-IN-ONE STUDY GUIDE FOR RESPIRATORY THERAPY CERTIFICATION WITH 600+ QUESTIONS FOR THE THERAPIST MULTIPLE-CHOICE EXAM: https://www.amazon.com/dp/B0FTXRT2R6?tag=openexamprep-20 - Therapist Multiple Choice (TMC) Mock Exam: 500 Practice Questions: https://www.amazon.com/dp/B0F1FNQMH4?tag=openexamprep-20 - CRT &amp;amp; RRT Exam Secrets Study Guide: CRT &amp;amp; RRT Test Review for the Certified Respiratory Therapist &amp;amp; Registered Respiratory Therapist Exam: https://www.amazon.com/dp/1609715373?tag=openexamprep-20</video:description>
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      <video:duration>213</video:duration>
    </video:video>
  </url>
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      <video:title>Nursing Exam Prep NCLEX-RN 99, NCLEX-RN Test Taking Strategies</video:title>
      <video:description>This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: How to deconstruct NCLEX questions by identifying keywords like first, best, and priority. To apply the ABCs (Airway, Breathing, Circulation) as the primary mental shortcut for prioritization scenarios. The effective strategy of treating each Select All That Apply (SATA) option as an individual true or false question. How to spot and avoid common exam traps, such as answer choices containing absolute words like always or never. The importance of using the nursing process, specifically assessing before implementing, to correctly answer questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep</video:description>
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