The Most Popular Job Roles In Finance

There is a plethora of jobs in the finance industry. Many finance jobs are centered around several primary professions such as commercial banking and investment banking. Naturally the most common jobs fall within those two categories. Currently, the more popular of the two is investment banking. Consequently, the most popular job roles in finance are positions in the investment banking arena.

Industry coverage is a large area covered by investment bankers who specialize in product groups such as utilities, aerospace, real estate, etc. This group has a group of senior bankers called Managing Directors which are backed by Directors, Vice Presidents and Associates. The managing director will help strategize the next move for the group as it grows and the team usually recruits new graduates into this group quite aggressively.

Corporate finance is an area with the primary function of raising money for corporate ventures. As an analyst in this group, you would be responsible for preparing registrations and attend road shows where investors are sold securities. Debt Capital Markets or Equity Capital Markets originate new issues of bonds or securities. They advise about the best time to issue these new debts or equities. Mergers and Acquisitions is yet another department which is under investment banking. Mergers and acquisitions generate fee income for investment banks. The bank sets up the acquisition even under market conditions that would make the acquisition unfavorable through creative methods that benefit all parties and the bank gets paid handsomely for their effort.

Project Finance help fund the infrastructure of a government or oil capital project, generally funneling funds from one foreign country to another when other options for borrowing have dried up. Trading is a job with which most of us are familiar. It is sales of securities on the stock market floor or from an office. Structured finance, derivatives, advisory, equity and fixed income research and international sales and emerging markets are other jobs that can be performed in investment banking.

Public finance, retail brokerage or stockbroker, institutional sales and ratings analyst are the remaining positions in investment banking. Many of these jobs are more glamorous than the others, but they all pay well. The most popular job roles in finance include any position in investment banking which comes with a hefty salary and many also pay bonuses. Commission often accompanies any position that generates sales to compensate for performance. Ratings analysts command an average annual salary of 68,000 with an average of 5,000 in bonuses. An exceptional employee should expect a higher salary. A managing director in Industry Coverage can command a salary of 130,000 to 220,000 annually. The job you pursue in Investment Banking will be your personal choice. Your compensation will be excellent and hopefully, you will find a home based on your talent and interests.

A Change In Tradition Giving A Sympathy Gift

There are a variety of traditional ways to express your sympathy for a loved one during their time of loss. Personalized cards, a flower arrangement, or even just a thoughtful note to the grieving person can be very helpful. But have you ever considered giving a more modern sympathy gift or sympathy basket?

Flowers have always been seen as a way to lift one’s spirits, a simple way for those affected to see the vitality and beauty of life during times of grief. Well-written cards can express our thoughts and feelings when talking may not adequately do so.

Flower arrangements are frequently used to convey the level of our sorrow and heartache. Greeting cards can be a good way to express the words we aren’t able to say during a time of loss. Our traditional beliefs and time-honored customs surely are not the exclusive means to express our grief when someone close to us has recently lost a loved one.

It’s not unexpected. Sending cards through the mail has become somewhat cumbersome in the immediacy of our Internet world, and while flowers still hold special significance to many people, it simply does not represent the changes of the new millennium well. That’s where gifts can work best.

Sympathy gifts can come in all varieties, as long as it’s from the heart. Anything from a bouquet of flowers to a fruit or cheese basket can be an appropriate sympathy gift. Other great ideas are candles or a bottle of quality wine placed in a dignified basket or gift box. This can be a classy and stylish gift for any occasion, but may be especially appreciated when someone has lost a loved one.

When people see one of these nontraditional sympathy gifts, it often raises mixed feelings. Sometimes it does not seem appropriate to give a bottle of wine or basket of cheese at a time of loss. Many people think “there is no reason for celebration, so why give gifts of this type?” What really matters, however, is the sentiment behind the sympathy gift. The true purpose of any sympathy gift is to let the grieving family know that your thoughts and prayers are with them.

You may have a lot to choose from. Companies are seeing this new niche in the industry and are offering more options as part of their regular gift inventory. Some companies specialize in an exclusive line of gifts, and even offer consultants that can advise you on what type of gift might be the most appropriate.

For instance, some of the winemakers themselves have begun offering specialized packages for wines used as sympathy gifts. Of course, a warm, hand-written note is always a nice touch for a loved one who is grieving, but many of these packages can be sent as-is and the intent as a sympathy gift will be clear.

Ibonds A great gift to children and grandchildren

Series I savings bonds (Ibonds) are an ideal gift for children and grandchildren as well as investors looking to add inflation protection to their portfolios.

Ibonds are a type of savings bond (like Series EE savings bonds), and have many of the same features.

As with Series EE savings bonds, Ibonds can be owned directly by minors, whereas other assets, such as stocks and real estate, must be held in trust. This makes them a great gift for children and grandchildren. As with savings bonds, I-bond proceeds used to pay for college expenses are exempt from federal tax, assuming the owners (and their expenses) meet certain criteria.

Ibonds pay a fixed rate of interest as well as another layer of interest that varies with the current rate of inflation, as measured by the Consumer Price Index (CPI). Backed by the United States Government, they provide unique protections and a guarantee that they will never lose money. If the economy enters a period of deflation, Ibonds will never go below 0.00% interest per year.

Ibonds are available with face values as low as $25, and purchases are currently restricted to just $10,000 per year. Ibonds are not intended to be traded, but rather held as a long-term investment. They have a 30 year maturity. Although investors can cash them in as soon as 12 months after purchase, if you redeem an I-bond within five years of buying it, youll forfeit three months worth of interest. As with savings bonds, interest generated by Ibonds doesnt pay out the interest while you own the bond. The interest accrues and gets paid out when you sell the bond or when the bond matures. The good news is, because Ibonds dont make regular interest payments, holders dont pay any taxes until they sell or the bond matures.

Ibonds are taxable at the federal level when sold, but they are not subject to state or local taxes. Because of this, it generally doesnt make sense to hold them inside an IRA.

Because Ibonds dont make regular interest payments but instead generate income when you sell, theyre not a good option for those looking to fund living expenses with the current interest from the bonds. But the Ibonds long maturity and inflation protection feature makes them perfect for the younger members of your family.

You can learn more about Ibonds and how to purchase them by going to the TreasuryDirect website.

Culturally Enriching Cuba Holidays For Art Lovers With 11th Havana Bienal Fair This May-june

Its no secret to anyone that Cuban art, and contemporary Cuban artists for that matter, have been drawing attention from the worldwide art scene over recent years, gaining wider and wider recognition all over the world. This is why the 11th edition of Havanas Bienal (or Biennial) fair taking place from 11th May to 11th June this year will be attracting massive crowds of art lovers, connoisseurs and curious travellers on their Cuba holidays wanting to get a glimpse of Cubas largest art fair.

This massive art event and exhibition is famous for showcasing the work of Cuban avant-garde artists and also gives visitors the opportunity to purchase fine art pieces. During times that Cuban art is making a big come-back (work by Wilfredo Lam, a Cuban painter from the 20th century recently sold for a whopping $3 million US dollars at the 2010 Art Basel Miami Beach Fair), this years fair in Havana looks promising and wont fail to wow visitors.

A four-mile installation titled Behind the Wall will be set up at Havanas iconic Malecon seawall promenade for this years edition of the fair, featuring some striking art-work that will not fail to catch the attention of passers-by.

Esterio Segura, a Havana-born artist and one of the most recognised avant-garde exhibitionists at the fair will mount his Homemade Submarines at the Malecon esplanade which consists of classic American cars from the 50s with wings) and will also position a fibreglass artwork of massive proportions overlooking tourists arriving to their Cuba holidays in Havanas international airport.

This art festival will be open to all art-lovers, industry professionals and holidaymakers enjoying holidays in Havana during the fair exhibition. The Havana Bienal not only celebrates Cuban art but also Latin American art, with a few pieces from Latin American artists also displayed at the fair.

If this kind of art fair sound right up your alley but you cant afford to go on holidays to Cuba this May or June on such short notice than you can also get to enjoy the best of contemporary Cuban art at the largest exhibition of art in Cuba in the UK being showcased this month in Scotland. The Beyond the Frame, Cuban Contemporary Art fair will be open from 7-13th May 2012, from 10am to 5pm Monday to Saturday. Special guests at the event exhibiting their art include Cuban artists Lesbia Vent Dumois, Gustavo Diaz Sosa and Kcho, one of the most highly acclaimed new Cuban artists.

How To Reward Staff For A Job Well Done Gift Cards And More

You can also buy gift card vouchers in advance so that you’re never without a few tokens of appreciation for the right situation. At the end of a long month that was particularly stressful, you’ll be gratified to see how your employees react if you hand them each a gift card as they are heading home. For these instant rewards, restaurant gift cards or cards for major department stores are a nice idea. For the most part, you should try to give gift cards for at least $50 to $100. This is a substantial enough amount to truly show your appreciation and give the recipients some buying power.

Appreciation Dinners

An appreciation dinner isn’t the same as an awards dinner. Taking your staff out for an appreciation dinner is more informal. You can do this for lunch with a whole department if you like, or take one or two employees at a time so that you have some personal face time with them. Regardless of which route you take, be sure to steer the conversation toward your appreciation of their efforts.

An even nicer option for an appreciation dinner is to take out one or two employees at a time and invite their families to join you for dinner. Recognizing the achievements of your staff in front of their family is a lovely way to reward them for their hard work and will give them a chance to show their families that they are vital to the company.

Regardless of what you choose, showing staff how much they are valued goes a long way in terms of boosting office morale. From appreciation dinners to extra time off and more, staff will always remember that that their efforts were recognized and appreciated.

Hedge Funds – How To Make The Right Investment Choices

After the 2008 world economic crisis, finding the right investment vehicles seems much harder and trickier. Worldwide currency, which everyone believed in, has shown its face value and, overall people have lost their confidence in the popular investment means available on the global market. However, one of the post crisis positive effects is that individuals became more aware and cautious about the significance of managing their resources appropriately and securing their assets.

Although the present day market openings sets forth an apparently endless variety of choices, making the right investment is all about selecting that alternative apposite for your means, objectives and goals on short, medium and long term. Resorting to professionals is one of the best ways to drive your worth to the right target as long as you manage to find some trustworthy, skilled, and dependable experts.

In nowadays context, the hedge fund is fairly set at the higher end of the investment opportunities scale. Working as a private pool of capital, little known to the wide public, such funds rather address the sophisticated investor that can afford hefty net investments in the prospect of likewise gains. Unlike most types of funds, a hedge fund gathers capital from a fairly limited number of individuals and, naturally the investment amounts are significantly greater, being typically believed to range between one million and six million dollars. Nevertheless, there is no investment maximal threshold regulation in place.

The hedge fund is actively run by a manager, who is in charge with all financial strategies and decisions. Once in, the investors can not set a veto on his decisions. Drawing back the capital ahead of a predetermined time span usually calls upon considerable penalties, which remain in the fund and are finally split between the remaining investors. The hedge fund manager takes up an operational commission and a performance brokerage.

In comparison with other type of investments, the hedge fund primarily differs through a wider range of investment strategies it can adopt and a more regulatory-free area of action, including short selling and hilt leveraging. No such fund is risk free, yet primarily depending on the objects of ventures, the manager can draw in high gains with relatively small risks. For instance, precious metal investments have proved to be such nest eggs. Although, one needs to be no expert to know that investing in gold – the ultimate safe heaven of all seasons- is the right investment choice for all kinds of financial portfolios, the profits of a hedge fund may considerably overrun those achievable from independent investments.

Why is Affiliate Marketing Popular with Home Based Business Entrepreneurs

The great strides made in the development of the Internet in the recent past has enabled information to be transmitted thousands of miles away with such ease and clarity that time and space are hardly of any consequence to the Internet Marketer today.

Marketing Programs have literally taken over the Internet and riding high, is Affiliate Marketing.

According to the Computer Industry Almanac “The world-wide Internet population for 2004 was 934 million and the projection for 2006 is 1.21 billion.”

Sean Michael Kerner in an article in Click Z News quoting a spokesman for eBay states “According to eBay their largest affiliate earned over $1.3 million dollars in January commission, the largest amount yet in their affiliate program’s history. Their top 25 affiliates averaged over $100,000 per month each and the top 100 affiliates earn almost $25,000 each per month.”

With this sort of statistics around, is it any surprise that thousands of entrepreneurs especially those Home Based Business entrepreneurs with very small marketing budgets are jumping on to the Affiliate Marketing band-wagon!

Given below are some of the Popular reasons for this desire and urge to do Affiliate Marketing:

1. Cost Factor: Most Entrepreneurs refrain from starting a brick and mortar business or for that matter a Home Based Business (non internet) because of the investment required. In Affiliate Marketing the set-up cost is negligible with most programs being free to join and the merchant even providing you with the tools, tips and websites.

2. Pick and Choose Products: With dozens of Affiliate Program providers and thousands of merchants having their own affiliate programs, there are several thousands of products to choose from. You name it they have it! In fact there are even Fortune 500 companies to choose from. The idea is to pick and choose your niche products and promote them.

3. No need for an Inventory. The hassle of purchasing, stocking of items and storing of finished items (in a production unit) and dispatching them are not there. There is no need to maintain an inventory. It is all handled by the merchant.

4. No need for Employees. In any business the wages of the employees is one of the major expenditures to contend with. Here the problem does not arise since the marketer himself will operate his home business and probably get the assistance of a family member to help him.

5. Necessity for Customer Service does not arise. Customer service plays a major role in the success or failure of a business. The advantage here is that there is no direct dealing with the customers. The website will automatically direct the customers to the merchants.

6. Two Tier Affiliate Marketing: An attractive feature of certain affiliate programs is that they have a Two tier system, whereby affiliates can sign up as sub-affiliates below them. When the sub-affiliate earns a commission, the affiliate above him too earns a commission.