The tales surrounding the Jersey Devil of New Jersey have been circulating since the 19th Century, so it could have been easier to think of this creature as more of a myth than of an unidentified creature. But then hundreds of people in New Jersey began to report seeing the creature well into the 2000s, and the overwhelming majority of the reports gave the same description: a creature with hooves, a horse’s head, and bat wings. What’s more is that many unusual footprints and sounds have been discovered that people attribute to the creature.
Very great funny
LAGOS, April 24 (Reuters) - Nigeria's central bank ordered banks on Friday to crack down on borrowers with non-performing loans (NPLs) in a move aimed at avoiding a repeat of a 2009 industry bailout that cost the government $4 billion. A sharp drop in the global price of oil, Nigeria's main export, has triggered a currency crisis in Africa's largest economy and strained government's finances, while also harming the cash flow of some companies with foreign currency loans. Ratings agency Fitch said in February it expects NPLs for Nigerian lenders to rise above a central bank cap equal to five percent of their total loan portfolio but to remain below 10 percent this year, driven by high credit concentration in oil and gas and power sectors. Under the new plan, banks will give bad debtors three months to square up their accounts. Failure to do will result in them being named and shamed in Nigerian media and being barred from currency and government debt markets. "The Central Bank of Nigeria has observed the rising trend of non-performing loans in the industry," Tokunbo Martins, director of banking supervision, said in a statement.
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Our company was born in 2008. Till 2012 we did not offer our services to the public but in January, 2012 the decision
Chat Conversation End Our company was born in 2008. Till 2012 we did not offer our services to the public but in January, 2012 the decision was made. Now AtrexTrade is a company holding diversified financial services and actively working in Forex trading. It is capitalizing on everyday price movements of currencies pairs. These movements are analyzed by the unique software owned by AtrexTrade and treated in terms of global events to make long term projections. Our company offers its services to individual and institutional investors, as well as several pension funds.
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Chat Conversation End With her family recipe in hand, Maria began selling homemade Mexican cheeses to friends and neighbors. Her customers loved her product and as word spread, Maria worked tirelessly to keep up with demand. She was earning money, but needed capital to scale her small business and increase her family’s income. With a $1,500 microloan from Grameen America, Maria was able to buy equipment to store and prepare large batches of cheese. Today, she makes surplus cheese in advance to keep up with demand and increase her sales.
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Russia secures China gas deal at last minute
A last minute agreement over a huge gas deal has spared the blushes of Russian president Vladimir Putin and allows him to return home with a 30-year agreement with China. On Wednesday, PetroChina, the country’s state-owned subsidiary of China National Petroleum Corp, announced that it had agreed the deal with Russia that is thought to be worth well over $400bn. The firm did not reveal the exact price details, however.
Russia has been talking up its potential deal with China as a sign that it doesn’t need Europe’s money for its gas, but a sudden delay to its signing threatened to cause embarrassment to Putin.
Whilst he tours China on his first state visit to the country, Putin has been consistently saying that the deal will be signed, therefore offering Russia an alternative source of income for its gas after the recent troubles with Ukraine and western leaders. At the beginning of the week, Russia’s deputy energy minister, Anatoly Yanovsky, had described the negotiations as being “98 percent ready”.
However, what have been fraught and strenuous negotiations between PetroChina, and Russia’s Gazprom looked like they might have failed to be completed by the time Putin departed today. Speaking to the Financial Times earlier this morning, PetroChina spokesman Mao Zefeng said that price issues over the 30-year, $456bn had yet to be ironed out. “We won’t be signing. At the moment the import price and the domestic price are inverted. We are already losing money on imported gas, and we can’t lose more.”
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Chat Conversation End Both men were runaway winners financially.The purse, the majority of it from pay-per-view revenue from several million American households paying about $90 each to watch, was estimated at roughly $300 million. The contract called for Mayweather to receive 60 percent, win or lose. Mayweather was asked to confirm that he received a $100 million check after the fight, and soon pulled it from a pocket. “The check got 9 figures on it, baby,” said Mayweather, whose payday could double as the revenues get tallied. Inside the arena, show-business celebrities and famous athletes were sprinkled throughout the crowd. The few tickets made available to the public were priced from $1,500 for seats in the top rows to $7,500 for a seat on the floor. Tickets were sold on the secondary market for $40,000 or more. The bulk of the 16,507 fans at the MGM Grand Garden booed the decision by the three judges, who gave Mayweather a wide margin in the 12-round fight — 116-112 on two cards, 118-110 on the other. The judges agreed on 10 of the 12 rounds.
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MBA graduates turning backs on finance for voluntary sector
According to data published by Harvard Business School (HBS), students graduating this year were receiving on average much less in pay than the previous year. It is thought that part of the reason for this might be students shunning the traditional financial services jobs on Wall Street for other careers. According to the school, financial services company’s hired 27 percent of this year’s graduates, much less than 2012’s figure of 35 percent, and the 45 percent back in 2008.
While more graduates are choosing technology-based careers – up six percent to 18 percent of this year’s HBS graduates – many others are choosing the voluntary sector to use their newly acquired business acumen. According to Justin O’Brien, MBA Programme Director at Royal Holloway University in London, the changes are a result of the last decade’s focus on corporate social responsibility.
He wrote recently that NGOs and charities are areas graduates are looking at increasingly, as these sectors have plenty to offer for career prospects: “Many organisational roles in the sector offer interesting challenges combined with good training and development. Pay is also on the increase, with senior management at major charities now routinely earning six figure salaries. Given the fulfilling nature of most work in the sector, it can offer satisfaction that earning a high salary for work you hate cannot compete with.”
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This paper investigates the dependency of international stock market interaction on financial volatility. We show in a stylized economic model that volatility-dependent cross-market spillovers can be interpreted in two different ways, as indicating information flow or uncertainty. If higher volatility in one market leads to higher (lower) reactions in another market, volatility reflects information (uncertainty). We apply a simultaneous time-varying coefficient model, where structural ARCH-type variances serve two purposes: governing the time variation of spillovers and ensuring statistical identification. We analyze data of US and further stock markets. Indeed, we find strong nonlinear, volatility-dependent spillovers.
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Presessional courses are designed for students who wish to improve their knowledge of spoken and written English in preparation for academic study at the University of Birmingham. Students with conditional offers have the option of attending one of these courses instead of retaking IELTS. Postgraduates with conditional offers to study at the Birmingham Business School can usually apply to study on the Business Management English Presessional Programme. Economics students should apply to study on the English for Academic Purposes Presessional.
Floyd Mayweather emerged victorious
Floyd Mayweather emerged victorious from the most lucrative fight in history, beating Manny Pacquiao via a wide unanimous decision in Las Vegas. American Mayweather, 38, delivered a defensive masterclass against his Philippine rival, making the necessary adjustments after only a few rounds before disappearing out of sight. Mayweather, who added the WBO welterweight title to the WBC and WBA titles he already owned, was awarded the fight 118-110, 116-112 and 116-112 by the three judges. With his victory, Mayweather also cemented his status as the greatest pound-for-pound boxer of his generation. The five-weight world champion is now undefeated in 48 professional fights, stretching back 19 years. Six-weight world champion Pacquiao, 36, falls to 57 wins, six losses and two draws. Tickets for the bout - billed as 'The Fight of the Century' - changed hands for as much as $350,000 (£232,000) and American fans were charged almost $100 (£66) to watch on television.
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njoy fantastic rewards with FlyerBonus from the moment you join with 15 bonus points earned on a maiden flight with Bangkok Airways For example, a FlyerBonus member enrolling on January 1st 2011 and then taking a flight with us on January 10th 2011, will automatically have the standard points total credited to their account as well as receiving a bonus 15 points. Just remember to state your FlyerBonus member number when making a reservation or at check-in. Please also note the following conditions: It can take up to 14 working days after the flight activity date for points to appear on your membership activity page. Please do not request point crediting before this time period has elapsed. This offer does not apply to any duplicated member accounts. The 15-point First Flight Bonus will be deducted from member accounts once duplicated accounts have been combined. Should FlyerBonus members forget to present their membership card and/or state their FlyerBonus number, claims for missing points can be done online at www.flyerbonus.com within 6 months of the date of activity This offer is not applicable for flight activity on award tickets/non-revenue tickets booked in the classes of S, X and Z Bonus points do not count towards membership status. Bangkok Airways reserves its absolute right at any time to add, alter, modify, change or vary any or all of the terms and conditions stated herein. In case of any disputes, the decision of Bangkok Airways is final. All other Terms and Conditions of FlyerBonus apply.
Transfer allows you to move money between your personal
Bank-to-Bank Transfer allows you to move money between your personal checking
Chat Conversation End savings accounts here and those you may have at other U.S. financial institutions. Once you are enrolled for Bank2Bank Transfer service, the Bank to Bank Transfers option will be available on your NetTeller online banking menu. With this free service, you can easily manage money between accounts with both inbound and outbound transfer capability. Bank2Bank is offered for established account relationships.2 To request enrollment, click the Enroll Today link below and complete the Bank2Bank Transfer request form. You will receive an email with your enrollment status by the end of the next business day.
Relationship under Various Stochastic Processes
Conventional belief in a negative relationship between uncertainty and investment has dominated real options theory for a long time. These studies argue that increased uncertainty causes a decrease in the current level of investments by raising optimal investment trigger. This paper postulates an argument that increased uncertainty, in certain situations, may actually encourage investment. Since earlier studies mostly base their arguments on the assumption of geometric Brownian motion, the study extends the assumption to alternative stochastic processes, such as mixed diffusion-jump, mean-reverting process, and jump amplitude process. To investigate the relationship between uncertainty and investment, a general approach of Monte Carlo simulation is developed to derive optimal investment trigger under various stochastic processes when the closed-form solution could not be readily obtained. The overall effect of uncertainty on investment may be interpreted by the probability of investing, and the main result finds that the relationship appears to be an inverted U-shaped curve between uncertainty and investment. The implication is that uncertainty does not always discourage investment even under several sources of uncertainty. Therefore, high-risk projects are not always dominated by low-risk projects because high-risk projects may induce investment due to the higher probability of investing.
Kasikornbank: Thai wealth is on the increase money
Thailand’s high-net-worth individuals are increasing, and so local banks are having to up their game in order to capitalise on new business opportunities
In 2013 there was an annual 9.3 percent increase in the Asia-Pacific region of high-net-worth individuals (HNWI) – those with assets of more than $1m – which is now second only to North America. This year high growth of the population in the region continues, according to Capgemini (see sidebar). The 2014 report flags an explosive 17.3 percent growth rate to some 4.32 million individuals for the region, approaching North America’s 4.33 million, thus narrowing the gap of the world’s HNWI population.
In term of the asset holding growth, the statistics show a 10.4 percent annual average growth rate in the Asia Pacific region, which is larger than eight and 8.9 percent of the global and North American average ratio respectively. The growth in population and wealth accordingly, points out the great opportunity for HNWI in Asia Pacific region.
Compared with other countries in the Asia Pacific region, Thai HNWI are worth watching both in terms of their population growth and asset holdings. The Thai HNWI population increased an average 12.7 percent annually over the past five years, outpacing Asia Pacific’s overall 9.5 percent. Moreover, the growth of annual asset holdings for Thai HNWI increased in wealth, averaging a whopping 14.4 percent, beating the regional 10.4 percent. These statistics explicitly show economic growth in the Asia Pacific region, and also add up to a significant opportunity among HNWI customers in the rapidly expanding Thai market.
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The Banking and Finance Review (BFR) is a bi-annual, peer-reviewed international research journal that provides a publication outlet for theoretical as well as empirical issues in the fields of banking and finance. The Banking and Finance Review seeks to promote research that enhances the profession’s understanding of banking and finance. The scope of the Banking and Finance Review is broad. It includes studies in the following areas:Banking, Financial Institutions, Corporate Finance, International Finance, Capital Markets, Commodities Market, Derivatives, Risk Management, Insurance , Fixed Income Securities, Alternative Investments, Portfolio & Security Analysis, Investments, Real Estate Finance and other areas of finance that may be of interest to academicians and financial professionals. The Banking and Finance Review board of editors and ad hoc referees guarantee the high quality standard of the journal.
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China’s coal imports fall by 43 percent
China’s coal imports amounted to 49.07 million during the first three months of the year, falling by 43 percent in comparison to the same period last year. This sharp decline can be attributed to a number of reasons, the most significant being China’s recent economic slowdown. As a result, demand from the industrial sector has slumped drastically, particularly as the practice of power plants purchasing extra coal in order to build stockpiles has ceased.
Stricter standards recently implemented for foreign coal so as to boost the domestic market have further accentuated the fall in imports. Yet, Chinese suppliers continue to be inflicted by debt and oversupply, while prices from overseas remain competitive.
Fewer coal purchases has been coupled with stricter regulations for traditional heavy industries as authorities make a more rigorous effort to reduce pollution. “Environmental pollution is a blight on people’s quality of life and trouble that weighs on their hearts,” Premier Li Keqiang told the National People’s Congress last month. “We must fight it with all our might.”
Beijing is also implementing a number of policies to make the country less energy-dependent; such as limiting the number of fuel intensive projects in badly polluted areas. Plans to reduce the annual consumption of coal by 176 million tonnes will have a direct impact on miners from the Western states of the US and Australia; both of which have experienced soaring sales as China’s energy demands rose exponentially during the peak of its economic boom.
Furthermore, as China continues to invest heavily in diversifying its energy mix, many believe that the glory days for international coal suppliers are over. Yet, Australian industry experts remain hopeful that this is not the case; as China continues to grow, the process of industrialisation and urbanisation is set to continue. According to a report published by the Minerals Council of Australia, around nine million people per annum are added to urban areas, thereby propping up China’s electricity consumption and maintaining growing demand – albeit at a slower rate.
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Shell to buy BG Group for $69bn
Following a turbulent few months during which falling oil prices have resulted in thousands of job cuts, billions of dollars in stranded assets and a string of less-than-impressive earnings, Royal Dutch Shell has reached an agreement with BG Group to acquire the smaller rival for $69.6bn. The deal, made up of both shares and cash, represents a 52 percent premium price on BG’s shares, as of April 7, and could create a new entity worth close to $300bn.
In the past six months, the price of oil has plummeted some 50 percent, and even the biggest names in the business are struggling to acclimatise to a new low price environment. However, the acquisition, which represents one of the biggest of the year so far, will go some way towards bolstering Shell’s competencies in deep water and LNG.
The combined group will add 25 percent to Shell’s proven oil and gas reserves, whilst also adding another 20 percent onto existing production. The combination also means that BG shareholders will benefit from the dividends enjoyed currently by Shell’s own shareholders and generate tax synergies of close to $2.5bn per annum.
By buying into a lesser rival, Shell is able to increase its reserves base using methods apart from exploration, which, in the current climate, is proving increasingly costly.
“This is an important transaction for Shell, accelerating the delivery of our strategy for shareholders. The result will be a more competitive, stronger company for both sets of shareholders in today’s volatile oil price world,” said Jorma Ollila, Chairman of Shell, in a statement. “Bold, strategic moves shape our industry. BG and Shell are a great fit. This transaction fits with our strategy and our read on the industry landscape around us,” added the Shell CEO Ben van Beurden.
A Man Uptown Funk dance on the popular exercise equipment unexpectedly
Many people took the Uptown Funk's Mark Ronson and dance to Bruno Mars Cover and posted on social networks. But you can not do well and attract interest as much as this guy yet.
Carson Dean Uptown Funk dance on the exercise equipment in the gym club and posted in his Facebook and Youtube. Simple choreography interesting made her famous Ellen and invited Carson interview and dance to the audience again.
The video was viewed more than 50 million times on Facebook and thousands Comment!
The Tify voice Input by Mr. Hay Daro
Leadership development through coaching: a case study
The Defence Acquisition University is an example of how professional coaching schemes can work alongside training and development programmes to produce impressive results
Training, executive education and leadership development programming are part of many organisations’ overall talent-management packages, providing key and rising leaders with structured opportunities for skills development and general self-improvement. There’s no doubt about it: investing in learning and leadership development is a win-win for the organisations and individuals who benefit from it.
However, a growing body of evidence shows that training and leadership development programmes are more effective when they include a coaching component. Because coaching is client-driven, it is inherently open to individualisation. As such, it is the perfect complement to already existing programming, providing a structured opportunity to set and pursue goals and put learning from mentoring conversations and classroom training into action.
Putting coaching to the test: The Defence Acquisition University
The Defence Acquisition University (DAU) provides a powerful example of how coaching can reinforce and enhance an already-world-class training and development programme. As the corporate university for the US’ defence acquisition workforce, the DAU provides in-person and virtual learning opportunities and leadership development to the 152,000 military and civilian professionals associated with the largest buying enterprise in the world. In late 2007, the DAU began to explore the possibility of adding a coaching service to its portfolio of offerings in order to improve acquisition outcomes and enhance the leadership capacity of key leaders.
After extensive research and benchmarking, the following year the DAU piloted a rigorous coach-training programme oriented around the International Coach Federation’s (ICF) Core Competencies and Code of Ethics and adapted to the unique needs of the defence acquisition workforce. The DAU’s coaching programme impacts leaders in all functional areas of the defence acquisition workforce, including governance and oversight, programme management, contracting, systems engineering, business and financial management, production and quality management, testing and evaluation, and life cycle logistics.
To date, more than 49 DAU faculty members have completed the university’s training programme and deployed their services to meet the needs of nearly 60 major buying organisations. Through one-on-one and team coaching engagements, these coaches – all of whom are themselves senior faculty members and seasoned defence acquisition professionals – have reached more than 220 key leaders at the strategic and organisational levels. Meanwhile, nearly 3,000 supervisors and mid- and senior-grade leaders have benefitted from a portfolio of targeted leadership development courses designed to extend the understanding and use of coaching skills throughout the defence-acquisition workforce.
Success and progress
In recognition of the DAU’s outstanding use of coaching to augment existing training programmes and empower key leaders to achieve personal and organisational goals, ICF Global awarded the organisation an honourable mention through the 2013 ICF International Prism Award programme. The International Prism Award programme honours organisations that have achieved a standard of excellence in the implementation of coaching programmes; fulfilling rigorous professional standards, addressing key strategic goals, shaping organisational culture, and yielding discernible and measureable positive impacts.DAU coaching clients have reported a high return on expectations in areas including organisational change, networking, strategic thought and leadership, leadership confidence, teamwork, communication, and time management. This is consistent with ICF research around the benefits of coaching. According to the 2009 ICF Global Coaching Client Study, coaching clients have cited positive impacts on self-confidence (80 percent), communication skills (72 percent), interpersonal skills (71 percent), overall work performance (70 percent) and team effectiveness (51 percent).
The DAU has also cited coaching success stories within the defence acquisition workforce. In the DAU’s International Prism Award application, ICF Associate Certified Coach and DAU Director of Leadership Programmes and Coaching, Richard Hansen, told the story of an admiral who spoke at a recent Wounded Warriors banquet about the key role executive coaching played in helping her reach her current rank.
“People say that culture trumps strategy,” Hansen wrote. “Our coaching initiative is realising a synergy between strategy and culture as our leaders embrace the positive impact of coaching.”
An aircraft programme manager who was initially sceptical of coaching reported “immediate and astonishing” results from his engagement with a DAU coach. In a testimonial, he wrote that coaching helped him turn a well-run programme into a benchmark programme where people knew their value and were empowered to “accelerate through change and land on top.”
Savings and efficiencies
With an annual acquisition budget of $350bn, the defence acquisition operating environment demands a high return on every investment of time, manpower and money. The DAU’s initiative has met this demand, with measurable results throughout the coaching programme’s 60 client organisations. One hi-tech programme manager who regularly oversaw projects with annual budgets of more than $5m reported that coaching was instrumental in yielding millions of dollars in cost savings and efficiencies.Meanwhile, the DAU has tracked the workforce-wide impacts of its coaching programme and calculated a non-financial return on investment of 330 percent and a reported financial return on investment of 743 percent.
For more information about how coaching can augment your organisation’s executive education and leadership development programming, visit ICF’s ‘Need Coaching?’ resource at the URL below. This information-packed booklet will help make the case for coaching to decision-makers in your organisation with a concise explanation of what coaching is (and what it isn’t), and a host of compelling data showing that, in organisations of all sizes and across all sectors, coaching works.
Tify Troll's video she feels mocked on Facebook
Learning to develop the best
In economic uncertainty, many executives turn to further education to compete in the jobs market. Rita Lobo explores how executive MBAs are a way to obtain qualifications and stay ahead
Taking education further has always been a way to enhance employability, but as global finances continue to face turbulence and uncertainty, managers and executives are investing more than ever in career-enhancing education opportunities. Obtaining a
n MBA is increasingly expensive. A spot at a top institution like the Judge Business School at the University of Cambridge can cost in excess of £40,000 for one year’s tuition. One year at New York University’s Stern School of Business comes in at $157,000, and the tuition for one year at the Kellogg School at Hong Kong University of Science and Technology will cost nearly $150,000. To ensure the money is well spent and executives get a good return on investment for their time, choosing the right programme at the right university
is imperative.
Recently, there has been a growing trend towards the Executive MBA (EMBA). Though not new – the first EMBA programme was launched by the University of Chicago Business School in 1943 – its popularity has been growing in recent years. These degree programmes are targeted specifically at executives already working in the industry and allow students to continue working during their studies. Increasingly,
universities are launching degree programmes catering to more experienced professionals, geared towards enhancing the careers of working professionals.
Attractive opportunities
The defining factor of EMBAs is that the curriculum is built around the experience and expertise students have already acquired in their working life. Many of the programmes combine classroom learning with full-immersion learning externally, and extensive student/faculty interaction. Mick Cornett, an executive who attended the Stern School EMBA in 2011, said: “Each of the classes has had a direct, sometimes immediate, impact on my day-to-day ability to interact and make decisions.”
Beyond the classroom, the networking and business opportunities for working executives that come with undertaking an EMBA are invaluable. Joshua Scott Chang, who attended the Kellogg-HKUST EMBA programme in 2008, said: “it is a rare opportunity in life to be part of a network of leaders who are passionate about learning and wanting to make a positive contribution to society through business.”
Many working professionals use EMBAs as a way of speeding up their ascent of the career ladder, and many universities suggest enrolment in such courses is associated with recently obtained or anticipated promotions.
Due to the cost of such courses – both in terms of time and money – undertaking an EMBA is often a joint effort between the company and the executive. Employers must be flexible to allow time out for the employee to attend classes, and to support their employee through the gruelling year of work and study. It has been estimated that most EMBA students clock in 100-hour weeks between job and university for the duration of their courses.
EMBAs are often more expensive than regular MBA programmes and the best degrees are almost prohibitively expensive. Many top corporations, such KPMG, Panasonic and Nestlé, have opted to sponsor their executives during their studies. According to the Stern School, many employers find the corporate sponsorship of EMBA students a valuable way to attract and retain top talent: “sponsoring high-potential employees will help organisations demonstrate their commitment to employee
career development”.
This practice is widespread among top-tier companies. According to a recent study by Business and Legal Reports, between 2007 and 2010 there was an increase of 23 percent in the number of companies that had a tuition-funding programme, from 52 percent to 85 percent. The report also showed that, despite the economic downturn, 78 percent of companies had not changed plans to sponsor the further education of valuable employees.
Lorrie Lykins, managing editor and director of research services at the Institute for Corporate Productivity said: “In a lot of our members, Fortune 500 and Global 200 companies, what we’re hearing is that they are really ramping up tuition reimbursement programmes because, as we come out of this recession, the war for talent is really going to ramp up in earnest more than ever before. This is really viewed as a key recruitment tool.”
Benefits for employers and employees
Executives and managers are still willing to put up with the expense of funding their own EMBAs because there is an almost guaranteed return on investment. The Executive MBA Council has concluded from its research that salary and bonus packages for recent EMBA graduates increased by 16.3 percent in 2012. As the business landscape continues to face difficulties and challenges, executives with this type of background and experience are in increasingly high demand.
The jobs market has never been more competitive and an executive with superior academic experience is a coveted employee. This does mean more people are seeking out such courses and it has become increasingly important for prospective EMBA candidates to select the right courses and institutions. As more middle management executives obtain EMBAs, only the best and most reputable institutions will be able to deliver all the benefits students seek.
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Students are great about sending our troops letters, and the troops love ’em. You can see why:
“Dear Soldier, If you’re having a rough day, remember the most important thing in life is to be yourself. Unless you can be Batman.”
“Dear Veterans, You rock more than AC/DC or Metallica or Red Hot Chili Peppers.”
“I am so happy you are risking your life for the USA! My grandpa Bob was in the Navy. Now he likes peanuts.”
