Sage 50 Payroll for Beginners Course Overview Mastering payroll is essential for any business operation, and Sage 50 Payroll is one of the UK’s most widely used systems for managing employee payments, tax, pensions, and more. This beginner-level course is designed to introduce you to the complete payroll process using Sage 50, from setting up company details to running year-end reports. Whether you’re looking to work in payroll, start a role in HR or finance, or simply want to enhance your accounting knowledge, this course provides step-by-step training to help you build a solid foundation. You’ll start by exploring payroll basics and navigating company and legislation settings. Then, you’ll dive into practical tasks such as adding employees, entering payments, generating reports, and handling submissions. You’ll also gain insights into essential year-end procedures and how to process final payments correctly, giving you confidence in real-world scenarios. No prior payroll experience is required, making this course ideal for aspiring payroll administrators or small business owners looking to manage staff payments in-house. With flexible online learning and practical modules, this course ensures that you can develop your Sage 50 skills at your own pace — ready to take on payroll duties with efficiency and accuracy. Extra Included: Free Accredited Certificate Included Lifetime Access Free Student ID Card Learning Outcome Understand the fundamentals of Sage 50 Payroll software Learn how to set up company and legislation settings correctly Gain the skills to add new and existing employees to the payroll system Process payrolls and update employee records efficiently Handle statutory payments and employee departures with confidence Master e-submissions and produce accurate reports and year-end summaries Who is this Sage 50 Payroll for Beginners Course for? This Sage 50 Payroll for Beginners course is ideal for aspiring payroll administrators and HR assistants who want to develop practical skills in managing payroll processes. It’s also perfectly suited for small business owners looking to handle their company’s payroll operations in-house. In addition, accountancy or finance students aiming to enhance their career prospects will benefit greatly from this course. Whether you're starting from scratch or looking to refresh your knowledge, this course provides the foundation you need to confidently use Sage 50 Payroll. Entry Requirements There are no formal prerequisites for this course. It is open to anyone interested in learning payroll using Sage 50, regardless of previous experience. A basic understanding of computer use is helpful, but not essential. All you need is a stable internet connection and a desire to learn! Accredited Certification After successfully completing the course, you can get a UK and internationally accepted certificate to share your achievement with potential employers or include it in your CV. For the PDF certificate, you’ll need to pay £9.99. You can get the hard copy for 15.99, which will reach your doorstep by post.
>> 12-Hour Knowledge Knockdown! Prices Reduced Like Never Before << Do you know the UK's cyber security threat landscape? In 2023 alone, businesses faced over 1.5 million cyber attacks, costing an estimated £29 billion. With cybercrime on the rise, there's a growing demand for skilled cybersecurity professionals. Feeling vulnerable? What if you could be part of the solution, protecting vital data and infrastructure? This CompTIA Training Bundle Package includes: Course 01: Cloud Computing / CompTIA Cloud+ (CV0-002) Course 02: CompTIA CySA+ Cybersecurity Analyst (CS0-002) Course 03: Advanced Diploma in Cyber Security at QLS Level 7 Course 04: IT: Ethical Hacking & IT Security This CompTIA Training bundle equips you with the knowledge and skills to become a cybersecurity expert. You'll master ethical hacking, cloud computing, and web development, preparing you for globally recognised certifications. With our CompTIA Training gain practical skills to protect data and systems, boost your career, and contribute to a safer digital future. Learning Outcomes of CompTIA Training Develop comprehensive knowledge and skills for the CompTIA CySA+ certification. Master ethical hacking principles and techniques for identifying vulnerabilities. Gain in-depth understanding of IT security best practices and threat mitigation strategies. Learn to navigate the complexities of cloud computing with CompTIA Cloud+. Enhance your expertise in cloud data security and infrastructure optimisation. Develop the ability to detect and respond to cyber threats effectively. Don't wait for your future to be hacked! Take control of your career with this powerful CompTIA Training bundle. Enrol today in our CompTIA Training and unlock your potential in a field with endless possibilities! Why Choose Our CompTIA Training Bundle? 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The CompTIA Training is affordable and simple to understand Lifetime access to the CompTIA Training course materials The CompTIA Training comes with 24/7 tutor support Start your learning journey straightaway! *** Course Curriculum *** Course 01: Cloud Computing / CompTIA Cloud+ (CV0-002) Section 01: What You Need To Know Section 02: Introducing The Cloud Section 03: System Requirements For Cloud Deployments Section 04: Cloud Storage Section 05: Cloud Compute Section 06: Cloud Networking Section 07: Cloud Security Section 08: Migrating To The Cloud Section 09: Maintaining Cloud Solutions Section 10: Troubleshooting Cloud Solutions Course 02: CompTIA CySA+ Cybersecurity Analyst (CS0-002) Section 01: Introduction Section 02: The Importance Of Threat Data And Intelligence Section 03: Threat Intelligence In Support Of Organizational Security Section 04: Vulnerability Assessment Tools Section 05: Threats And Vulnerabilities Associated With Specialized Technology Section 06: Threats And Vulnerabilities Associated With Specialized Technology Section 07: Threats And Vulnerabilities Associated With Operating In The Cloud Section 08: Mitigating Controls For Attacks And Software Vulnerabilities Section 09: Security Solutions For Infrastructure Management Section 10: Software Assurance Best Practices and much more... Course 03: Advanced Diploma in Cyber Security at QLS Level 7 Module 01: Introduction To Cyber Law Module 02: Cyber Law, Cyber Ethics And Online Gambling Module 03: Cyber Crime, Cyber Security And Trust In Cyberspace Module 04: Threat Factors: Computer As A Target Module 05: Threats To Cyber Security By Criminals And Organised Crimes Module 06: Threats To Cybersecurity By Hacktivists And Nation-States Module 07: Cyberterrorism Module 08: An Evolving Threat: The Deep Web Module 09: Fraud Module 10: Jurisdiction Course 04: IT: Ethical Hacking & IT Security Introduction To Ethical Hacking Reconnaissance - Surveying The Attack Surface Scanning And Enumeration - Getting Down To Business Network Presence Attacking Web Hacking Social Engineering - Hacking Humans How will I get my Certificate? After successfully completing the course, you will be able to order your Certificates as proof of your achievement. PDF Certificate: Free (Previously it was £12.99*4 = £51) CPD Hard Copy Certificate: Free ( For The Title Course: Previously it was £29.99) CPD 230 CPD hours / points Accredited by CPD Quality Standards Who is this course for? Anyone interested in learning more about the topic is advised to take this course. This bundle is ideal for: IT Professionals Career Changers Security Enthusiasts Students Requirements You will not need any prior background or expertise in this CompTIA Training bundle. Career path This CompTIA Training bundle will allow you to kickstart or take your career in the related sector to the next stage. Security Analyst IT Auditor Penetration Tester Cloud Security Specialist Security Consultant Certificates CPD Accredited Digital Certificate Digital certificate - Included Upon passing the Course, you need to order a Digital Certificate for each of the courses inside this bundle as proof of your new skills that are accredited by CPD QS for Free. CPD Accredited Hard Copy Certificate Hard copy certificate - Included Please note that International students have to pay an additional £10 as a shipment fee.
The aim of a "Cost Volume Profit (CVP) Analysis" course is to provide learners with a comprehensive understanding of the principles and applications of CVP analysis in managerial accounting.After the successful completion of the course, you will be able to learn about the following, Understand CVP Analysis. Understanf Breakeven Point. Calculate Margin of Safety. Explore Operating Leverage. Understand Sales Mix. Analyze Sales Mix and Break-even Analysis. In a Cost Volume Profit (CVP) Analysis course, one can expect to learn about the principles and applications of CVP analysis in managerial accounting. The course will cover topics such as fixed and variable costs, contribution margin, breakeven point, and margin of safety. Student will learn how to use these concepts to make informed decisions about pricing strategies, product mix, and production volume. Student will also learn how to create and interpret CVP analysis charts and graphs, which can help you visualize the relationship between costs, sales volume, and profits. Additionally, you'll explore the impact of various factors on CVP analysis, such as changes in sales volume, costs, and product mix. The Understanding Cost Volume Profit Analysis course teaches key concepts and tools related to CVP analysis. Participants will learn about the uses and benefits of CVP analysis, the calculation of the breakeven point, the margin of safety, operating leverage, and sales mix. The course will also cover the impact of changes in the sales mix on breakeven analysis and profits. It is suitable for individuals in accounting, finance, operations, or business management roles, or anyone looking to improve their financial analysis skills. VIDEO - Course Structure and Assessment Guidelines Watch this video to gain further insight. Navigating the MSBM Study Portal Watch this video to gain further insight. Interacting with Lectures/Learning Components Watch this video to gain further insight. Understanding Cost Volume Profit Analysis Self-paced pre-recorded learning content on this topic. Understanding Cost Volume Profit Analysis Put your knowledge to the test with this quiz. Read each question carefully and choose the response that you feel is correct. All MSBM courses are accredited by the relevant partners and awarding bodies. Please refer to MSBM accreditation in about us for more details. There are no strict entry requirements for this course. Work experience will be added advantage to understanding the content of the course. The certificate is designed to enhance the learner's knowledge in the field. This certificate is for everyone eager to know more and get updated on current ideas in their respective field. We recommend this certificate for the following audience. CEO, Director, Manager, Supervisor Financial Analyst Business Manager Operations Manager Management Accountant Financial Controller Cost Accountant Strategic Planner Chief Financial Officer (CFO) Budget Analyst Sales Manager. Investment Advisor Financial Planner Wealth Management Specialist Mutual Fund Manager Investment Analyst Portfolio Manager Financial Consultant Retirement Planning Specialist Investment Operations Specialist Securities Trader Average Completion Time 2 Weeks Accreditation 3 CPD Hours Level Advanced Start Time Anytime 100% Online Study online with ease. Unlimited Access 24/7 unlimited access with pre-recorded lectures. Low Fees Our fees are low and easy to pay online.
Looking to get hired—or promoted—in construction, infrastructure, or structural design? The Civil and Structural Engineering 20-in-1 Premium Bundle is your gateway to becoming a cross-functional, in-demand professional in today’s fast-paced built environment industries. Description Civil and structural engineering careers don’t run on theory alone—they demand applied skills, regulatory knowledge, and cross-disciplinary understanding. This bundle has been carefully curated to align with what employers want on the CVs they’re shortlisting today. From land surveying and construction safety to CDM Regulations and fire safety, this training package is perfect for those pursuing roles in structural design, site management, cost estimation, and beyond. And with vital supporting topics like project management, report writing, and quality assurance included, you're not just more knowledgeable—you’re far more hireable. The engineering sector rewards those who move early and train broadly. This limited-time bundle gives you 20 topic-driven courses for the cost of less than one—and the kind of professional range that makes you harder to replace. FAQ Q: Who is this bundle best suited for? A: Aspiring civil engineers, quantity surveyors, site supervisors, architectural technologists, and construction consultants. Q: Will this help me get a job in engineering? A: It's tailored to reflect current hiring needs in civil, structural, and construction engineering sectors. Q: Can this boost an existing engineering career? A: Absolutely. It’s ideal for upskilling toward supervisory or cross-disciplinary roles. Q: Is this bundle relevant to UK regulations? A: Yes—topics like CDM, RIDDOR, and PUWER are widely applicable to UK-based roles. Q: Is there a time limit on this offer? A: Yes. The value-packed access is limited—once it's gone, it’s gone. Q: Is this suitable for those new to the industry? A: Yes. It supports both newcomers and professionals building a broader knowledge base.
Caring for individuals in their final stages of life is a role that demands deep professionalism and empathy. The End of Life Care: 20-in-1 Premium Online Courses Bundle is designed to help you build trust with families, gain employer confidence, and enter a field that truly values dignity and preparedness. For those seeking roles in palliative care, hospice support, or elderly care sectors, this bundle delivers a strong, well-rounded profile that stands out where it matters. Description End-of-life care roles require more than heart—they demand skill, sensitivity, and cross-disciplinary awareness. This bundle brings together 20 essential certifications covering patient support, emergency preparedness, team leadership, and communication. The result? A powerful all-in-one career credential pack designed to show employers that you’re more than capable—you’re ready. Ideal for those seeking roles in hospices, care homes, NHS palliative units, or family-based support care. The value is unmatched—20 certifications in one affordable bundle. Don’t wait until hiring demand spikes again. Invest now, certify quickly, and bring peace of mind to families while building a career you can be proud of. FAQ Which industries benefit from this bundle? Hospices, elderly care homes, NHS palliative care, home support services, and private care agencies. Is this bundle beginner-friendly? Yes. It’s suitable for newcomers as well as those currently in care roles. How quickly can I use the certificates? Certificates are available upon completion of each course—perfect for updating CVs immediately. Is this suitable for part-time learners? Absolutely. Study at your own pace with flexible online access. Will this increase my hireability? Yes. It’s tailored to job-ready certification in one of the most sensitive and in-demand care sectors. Is this pricing permanent? No. This bundle is a limited-time release. Once closed, enrolment won’t reopen soon.
If you're serious about hands-on careers in repair, maintenance, or technical support, the Mechanic Training: 20-in-1 Premium Online Courses Bundle is your all-in-one toolkit for becoming job-ready and attention-worthy. From auto garages to electronics shops, from engineering firms to emergency response—this bundle boosts your chances of hire, promotion, or even starting your own trade service. Description Employers in technical trades want more than a one-trick professional—they want adaptable, safety-conscious, mechanically minded individuals who can communicate well, solve problems fast, and work smart. This 20-course bundle gives your profile exactly that polish. Whether it's car repair, bike maintenance, welding, or inventory management, every certification signals a new dimension of competence. If you're applying for mechanic, technician, or support roles, showing this kind of commitment gives hiring managers no reason to hesitate. Value like this doesn’t stay on the shelf long. FAQ Q: Is this suitable for beginner mechanics? A: Yes. It’s designed to help entry-level job seekers and self-taught learners become more employable. Q: What kind of roles can this lead to? A: Vehicle technician, bike mechanic, repair technician, warehouse assistant, or field service support. Q: Are the certifications valid for job applications? A: Definitely. Each one comes with a downloadable certificate you can attach to CVs and portfolios. Q: Is safety training included in this bundle? A: Yes—multiple courses cover key safety areas such as RIDDOR, fire safety, and first aid. Q: Do I need tools or workshop access? A: No. The bundle is designed to provide job-focused knowledge without requiring hands-on practice. Q: Why act now? A: Demand for multi-skilled technical workers is rising fast. This bundle gives you a chance to ride that demand—without breaking the bank.
Get ahead in the dynamic and evolving world of biomedical science with a 20-in-1 bundle designed for careers at the intersection of healthcare, research, and innovation. Whether you're entering the field or upskilling for advancement, this bundle helps you stand out where it counts. Description The biomedical and life sciences industries are expanding fast, with roles requiring not only subject-specific knowledge but also operational and compliance readiness. This career-focused bundle combines scientific fundamentals with the professional and technical skills that employers value. From clinical labs and pharmaceutical companies to public health bodies and biotech startups, this bundle gives you a competitive edge in industries where precision, communication, and regulatory awareness are critical. It’s perfect for aspiring lab technicians, data analysts, compliance officers, or healthcare support professionals looking to enhance their CVs with relevant, practical competencies. With 20 courses bundled together at a cost far lower than enrolling in them separately, it’s not just smart—it’s strategic. Jobs in this sector move quickly. This bundle helps ensure you do too. FAQ Q: Who should take this course bundle? A: Anyone pursuing careers in biomedical science, healthcare support, lab work, or environmental sciences. Q: What types of roles could this help me apply for? A: Lab technician, biomedical assistant, pharmacy support, public health analyst, or medical admin. Q: Can this bundle help me transition into healthcare from another field? A: Yes, it’s suitable for career switchers looking to build relevant competencies. Q: Is prior lab experience required? A: Not at all—this bundle is accessible to beginners and professionals alike. Q: What makes this bundle a good investment? A: You get 20 job-relevant courses for one affordable price, and lifetime access to keep learning as the industry evolves.
This comprehensive Microsoft Excel 2016 course is designed to take you from a complete beginner to an advanced Excel user, equipping you with essential skills for data analysis, financial modeling, and business productivity. Whether you're managing budgets, analyzing sales data, or automating repetitive tasks, this course provides hands-on training with real-world examples. In this ultimate course, you will get the opportunity to establish a solid foundation in Excel. The course will first teach you the basic functions and formulas. Gradually, you will learn to work with multiple Worksheets. Furthermore, the course will introduce you to the essentials of Pivot Tables and Pivot Charts. In addition, you will know how to analyse data in Excel. The course will also show you the fundamentals of forecasting data and data mapping. At the end of the course, you will be able to take your Excel skills to the next level. This course will also provide you with a QLS- endorsed certificate and elevate your resume. Join now! Learning Outcomes Familiarise yourself with the basic to advanced level excel tools Learn the process of managing and modifying Workbooks Enrich your knowledge of Pivot Tables and Pivot Charts Develop your skills in data analysis Learn about lookup functions and formula editing Grasp the principles of data mapping and forecasting Certificate of Achievement Endorsed Certificate of Achievement from the Quality Licence Scheme Upon successful completion of the final assessment, you will be eligible to apply for the Quality Licence Scheme Endorsed Certificate of Achievement. This certificate will be delivered to your doorstep through the post for £119. An extra £10 postage charge will be required for students leaving overseas. CPD Accredited Certificate After the successful completion of the final assessment, you will receive a CPD-accredited certificate of achievement. The PDF certificate is for 9.99, and it will be sent to you immediately after through e-mail. You can get the hard copy for 15.99, which will reach your doorsteps by post. Method of Assessment At the end of the course, there will be an MCQ assessment. To pass this exam, you must score at least 60%. When you submit the assessment, it will be examined, and the results will be given to you immediately. Who Is This Course For? This course is ideal for beginners with no prior Excel knowledge, office professionals looking to enhance efficiency, students preparing for careers in finance/data, and entrepreneurs managing business data. It’s also valuable for accountants, analysts, and administrative staff seeking to upgrade their skills. Whether for academic, professional, or personal use, this course provides step-by-step training for all levels. Career path This Microsoft Office 2016 Excel Beginner to Advanced course is designed to help you expand your knowledge and understanding of this sector. After completing the course, you will be able to explore career options such as Data Entry Clerk – £18K–£24K Administrative Assistant – £20K–£28K Financial Analyst – £30K–£50K Accountant – £25K–£45K Business Intelligence Analyst – £35K–£60K Excel Trainer / Consultant – £30K–£55K Course Contents Microsoft Excel Beginners Getting Started with Microsoft Office Excel 2016 Performing Calculations Modifying a Worksheet Formatting a Worksheet Printing Workbooks Managing Workbooks Microsoft Excel Intermediate Working with Functions Working with Lists Analyzing Data Visualizing Data with Charts Using PivotTables and PivotCharts Microsoft Excel Advanced Working with Multiple Worksheets and Workbooks Using Lookup Functions and Formula Auditing Sharing and Protecting Workbooks Automating Workbook Functionality Creating Sparklines and Mapping Data Forecasting Data Resources
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Getting Started The MSc in Accounting and Finance is designed to help students become leaders in the financial sector. This programme is specifically tailored for individuals with relevant practical experience and a recognised Postgraduate Diploma (PgD) in Accounting and Finance or an equivalent qualification. The programme aims to extend and enhance students' understanding and competence gained through professional qualifications. It seeks to develop their ability to think strategically about management and organisational change within accounting and finance. The MSc in Accounting and Finance programme suits AIA, ACA, ACCA, CIMA, ICAP, or CPA Australia graduates. It provides a means to support accounting practitioners & ongoing professional and personal development needs. Upon completing the programme, students are awarded the prestigious MSc in Accounting and Finance degree from the University of Buckingham. Additionally, students can attend the graduation ceremony held in the UK to celebrate their achievements and join fellow graduates in this momentous event. The MSc in Accounting and Finance (Advanced Entry) is delivered by the London Graduate School and awarded by the University of Buckingham through distance learning. You will receive excellent support from academic team of London Graduate School, including your programme manager and your supervisor who will be with you every step of the way. About Awarding Body Buckingham is unique. It is the only independent University in the UK with a Royal Charter and probably the smallest, with around 2,700 students (approx 1,600 on campus). The University campus is well known for being one of the most attractive locations in the region. The Great Ouse River, home to much wildlife, winds through the heart of campus. Each student mixes with over 100 other different nationalities, so being at Buckingham is just like being in a mini global village. These contacts, acquaintances and friendships carry on long after life at Buckingham is over. Ranked Top 10 for Student Satisfaction Ranked Top 10 for Graduate Prospect Recognised by World Education Services (WES) OTHM Qualifications are approved and regulated by Ofqual (Office of Qualifications and Examinations Regulation) and recognised by Qualifications Wales. OTHM qualifications have achieved a reputation for maintaining significant skills in various job roles and industries like Business Studies, Leadership, Tourism and Hospitality Management, Health and Social Care, Information Technology, Accounting and Finance, Logistics and Supply Chain Management. OTHM serves the progression option with several UK universities that acknowledges the ability of learners after studying Level 3-7 qualifications to be considered for advanced entry into corresponding degree year/top-up and Master's/top-up programmes. Regulated by ofqual.gov.uk Recognised by World Education Services (WES) Assessment Assignments and Project No Examinations Entry Requirements A relevant Level 7 Postgraduate Diploma, such as the OTHM Level 7 Diploma in Accounting and Finance. A Bachelor's degree or an equivalent or higher qualification. A copy of a valid photo ID. A Statement of Purpose outlines your motivations for joining the course and your career aspirations in accounting and finance. An updated Curriculum Vitae (CV) that highlights at least two years of work experience at the graduate level in either a managerial or professional capacity. English Language Requirements A pass in English at A-level. A bachelor's degree that was studied and assessed in English. An IELTS overall score of 6.5, with a minimum of 6.0 in each component. A TOEFL score of 72 overall, with a minimum of 18 in reading, 17 in listening, 20 in speaking, and 17 in writing. This includes the TOEFL Home Edition. Learners must request before enrolment to interchange unit(s) other than the preselected units shown in the SBTL website because we need to make sure the availability of learning materials for the requested unit(s). SBTL will reject an application if the learning materials for the requested interchange unit(s) are unavailable. Learners are not allowed to make any request to interchange unit(s) once enrolment is complete. Structure MSc in Accounting and Finance (Advanced Entry) Programme Structure Research Methods Consultancy Project Report Delivery Methods The MSc in Accounting and Finance (Advanced Entry) is delivered by the London Graduate School and awarded by the University of Buckingham through distance learning. You will receive excellent support from academic team of London Graduate School, including your programme manager and your supervisor who will be with you every step of the way. Resources and Support School of Business & Technology London is dedicated to offering excellent support on every step of your learning journey. School of Business & Technology London occupies a centralised tutor support desk portal. Our support team liaises with both tutors and learners to provide guidance, assessment feedback, and any other study support adequately and promptly. Once a learner raises a support request through the support desk portal (Be it for guidance, assessment feedback or any additional assistance), one of the support team members assign the relevant to request to an allocated tutor. As soon as the support receives a response from the allocated tutor, it will be made available to the learner in the portal. The support desk system is in place to assist the learners adequately and streamline all the support processes efficiently. Quality learning materials made by industry experts is a significant competitive edge of the School of Business & Technology London. Quality learning materials comprised of structured lecture notes, study guides, practical applications which includes real-world examples, and case studies that will enable you to apply your knowledge. Learning materials are provided in one of the three formats, such as PDF, PowerPoint, or Interactive Text Content on the learning portal. How does the Online Learning work at SBTL? We at SBTL follow a unique approach which differentiates us from other institutions. Indeed, we have taken distance education to a new phase where the support level is incredibly high.Now a days, convenience, flexibility and user-friendliness outweigh demands. Today, the transition from traditional classroom-based learning to online platforms is a significant result of these specifications. In this context, a crucial role played by online learning by leveraging the opportunities for convenience and easier access. It benefits the people who want to enhance their career, life and education in parallel streams. SBTL's simplified online learning facilitates an individual to progress towards the accomplishment of higher career growth without stress and dilemmas. How will you study online? With the School of Business & Technology London, you can study wherever you are. You finish your program with the utmost flexibility. You will be provided with comprehensive tutor support online through SBTL Support Desk portal. How will I get tutor support online? School of Business & Technology London occupies a centralised tutor support desk portal, through which our support team liaise with both tutors and learners to provide guidance, assessment feedback, and any other study support adequately and promptly. Once a learner raises a support request through the support desk portal (Be it for guidance, assessment feedback or any additional assistance), one of the support team members assign the relevant to request to an allocated tutor. As soon as the support receive a response from the allocated tutor, it will be made available to the learner in the portal. The support desk system is in place to assist the learners adequately and to streamline all the support process efficiently. Learners should expect to receive a response on queries like guidance and assistance within 1 - 2 working days. However, if the support request is for assessment feedback, learners will receive the reply with feedback as per the time frame outlined in the Assessment Feedback Policy.