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SIVP11: Hemmeligheden bag at blive kaldt til samtale med dyrlæge Simon Vølund  

Se noter og links på sivp.dk/11

Uopfordret vs. opfordrede ansøgninger
Der kommer en strøm af uopfordrede ansøgninger, men har for Simon ikke de den store værdi. Har han ikke en stilling åben, vil ansøgninger kun sjældent give anledning til en samtale.
Simon vil ofte slå en stillingen op selvom han i forvejen har kendskab til kvalificerede ansøgere. Han ønsker på den måde at afsøge hvad markedet kan tilbyde. Uopfordrede ansøgninger har selvfølgelig en effekt, men ikke den store effekt i Odense.
Ansøgningen skal naturligvis være pænt sat op, så den præsentere sig godt. Og der må godt være et billede med. Simon ser ikke selv stavefejl, men det er der andre, der gør og de må ikke være der. Og så skal kliniknavnet være stavet rigtigt.
Det skal være tydeligt at ansøgeren brænder for at arbejde på lige netop Odense Dyrehospital. Og det skal ikke være synligt at du bare har sendt den samme ansøgning ud til 10 forskellige steder.
Du må gerne vise at du har sat dig ind i virksomheden og som minimum har været inde på hjemmesiden.
Simon springer hurtigt til CV’et da man ikke kan løbe fra hvad man lavet. Man kan i princippet have fået andre til at skrive ansøgningen.
Simon anbefaler at du sender et billede med til din ansøgningen. Det behøver ikke at professionelt taget billede. Det kan godt være et mere almindelige billede, men lad nu være med at tage profilbilledet fra Facebook med trutmund og dyb udskæring. Det virker ikke.


Et spændende menneske
Et langt og flot CV kan selvfølgelig vække interesse, men du kan også være interessant på andre måder.
Du kan også vise, at du er et interessant menneske. Du skal dog ikke tegne et glansbillede, for så falder du igennem til samtalen.
Simon kigger efter om du har prøvet at lave andre ting før og under studiet. Det er vigtigt at du har prøvet at være ude i det virkelige liv. Du får en fordel ved at have erfaringer fra det virkelige liv.
Det tæller aldrig ned at have gode karaktere, men det er ikke afgørende om du har været længere tid om at komme igennem studiet.
Det kan dog godt give Simon en bekymring, hvis du alene har 10- og 12-taller og CV’et samtidig viser, at man ikke har lavet andet end sit skolearbejde.

Aktiviteter i dit CV
Simon anbefaler at du har lyst til at opleve verden og viser det. Samtidig skal du også finde noget, der viser, at du er stabil.
Faglige relevante aktiviteter tæller selvfølgelig mere og et ophold på et universitet i udlandet er også godt. Det er dog ikke nødvendigvis afgørende.
Grundlæggende er Simons anbefaling, at dine aktiviteter viser, at du har engagement.
Få for eksempel en praktikdag eller to, bare for at komme ud og snakke med folk og undgå at blive for rusten.


Jobsamtalen
Simon anbefaler, at du optræder som dén du er. Du skal selvfølgelig komme til tiden og også være helt almindelig påklædt. Du må gerne være fint klædt på, men din påklædning må ikke forvirre intervieweren. Det er bedre at være neutral.
Du skal være dig selv – også i din påklædning.
Du skal være ordentlig forberedt og have undersøgt noget om virksomheden, og Simon siger at det er godt lige at have været inde på hjemmesiden og eventuelt på Facebook.
Simon fortæller også at han med årene er blevet mere tro imod sin mavefornemmelse. Hvis der er en kant ved ansøgeren, vil Simon hellere tage en samtale nummer to.
Som ansøger bør man prøve at være opmærksom på hvilken stemning intervieweren lægger op til. Simon kan godt lide en afslappet og humoristisk tone, men det kan virke useriøst for andre. Du skal altså prøve at lure den anden af og fange tonen.
For Simon er en god samtale én hvor 3 kvarter er gået uden at man kan huske om alle spørgsmål er blevet stillet.


Dine fortrin, når du ikke har erfaring
Simon fortæller at han og alle andre godt ved at man kan ikke have erfaring, når man lige er kommet ud fra studiet. Nogle kan have prøvet lidt mere end andre, og på den måde have et fortrin, men meget bliver afgjort af om du har engagement.
Simon anbefaler at du viser lyst til at udfordring din egen grænse og viser at du har prøvet nogle ting på egen hånd. Du skal selvfølgelig samtidig kunne kende dine begrænsninger, men også kunne vise at du har prøvet nogle ting på egen hånd.
Hvis du har gåpåmod og engagement til at lære faget, kan du en ny dyrlæge sagtens tjene sin løn ind.

Een politiek oogje dichtknijpen bij bank Monte dei Paschi ; Paul Buitink en Han de Jong  

Een politiek oogje dichtknijpen bij de redding van de bank Monte dei Paschi di Siena. Zuur voor de Italianen om de eerste bank in moeilijkheden onder een zwaar Europees resolutieregime te stellen. Han de Jong is hoofdeconoom van de ABN-AMRO. Paul Buitink spreekt met hem over de Europese bankenunie. De bankenunie werd tijdens de crisis van 2008 opgericht om de grote verschillen tussen de Europese banken te normaliseren om stabiliteit van het geldstelsel binnen Europa te creëren. Er moest eenheid komen tussen de banken in regels en maar ook in toezicht. De Europese Bankenunie kreeg het toezicht over de Europese banken, wat voordien door de Nationale banken werd uitgevoerd. De Europese Bankenunie wordt aangestuurd door de ECB in Frankfurt. De Unie heeft drie pijlers waarop haar taken zijn berust: het toezicht op de Europese banken, het resolutiemechanisme en het depositogarantiestelsel. De Jong plaatst kanttekeningen bij de werking van het bail-in regiem in het resolutiestelsel. Bij de eerste testcase van het resolutiestelsel ging het al mis. De problemen bij de Italiaanse bank Monte dei Paschi di Siena werden om politieke redenen buiten het resolutiestelsel opgelost. Opnieuw werd een bank met publieke middelen overeind gehouden door de ECB en de Italiaanse staat. De Jong vraagt zich af of het resolutiemechanisme stelsel überhaupt wel kan werken. Als een individuele bank in de problemen komt kan het systeem wellicht haar werk doen, maar bij een systeemcrisis is het volgens hem contraproductief. De risico's op besmettingsverschijnselen zijn dan groot en kunnen veel banken gaan raken. De Jong vindt overigens niet dat de problemen bij de bank Monte dei Paschi di Siena als een systeemcrisis gezien kunnen worden. De oplossingen voor die bank buiten het resolutiestelsel werden politiek gedreven. De Jong stelt dat het zuur was voor de Italianen. Niet eerder was het nodig een Italiaanse bank te redden, terwijl in heel Europa banken met collectieve middelen overeind gehouden werden. Zuur is het dan om de eerste bank in moeilijkheden onder een zwaar resolutieregiem te stellen. Om die reden werd het politieke besluit genomen een oogje dicht te knijpen bij de redding van de bank Monte dei Paschi di Siena. website: http://www.cafeweltschmerz.nl/een-politiek-oogje-dichtknijpen-bij-bank-monte-dei-paschi-paul-buitink-en-han-de-jong Help Café Weltschmerz en onze toekomst. Adopteer een aflevering of ondersteun ons met een donatie: http://www.cafeweltschmerz.nl/doneer

885 – Talking to a Bank Teller  

Rich man, poor man – everyone goes to the bank at some point. Learn how to talk to someone at your bank in this episode.

Slow dialog: 1:08
Explanations: 3:22
Fast dialog: 15:44

Bank Teller: Can I help you?

Antonio: Yes, I’d like to deposit this check.

Bank Teller: Please fill out a deposit slip and be sure to endorse the check on the back.

Antonio: Here you are. I’ve already filled out a slip and signed the check. I’d also like to cash this other check.

Bank Teller: Sure, I can help you with that. Here you are. Here’s a receipt for your deposit and I’ve cashed your check. Let me count out your $100: 20, 40, 60, 80, 100.

Antonio: Thanks. Could I also check my bank balance for my other account?

Bank Teller: No problem. You just have to swipe your ATM card and enter your PIN. It looks like you have a balance of $1,752. Will that be all?

Antonio: Oh, I have that much? I’d like to withdraw $80.

Bank Teller: All right. You’ll need to fill out a withdrawal slip. Why don’t you step aside while you do that so I can help the next customer, and when you’re done, come back to this window and I’ll help you.

Antonio: Okay, I’ll do that. And if I want to transfer money between accounts?

Bank Teller: You’ll need to fill out a withdrawal slip for the first account and a deposit slip for the second.

Antonio: Got it. This might take awhile.

Bank Teller: No problem, sir. We’re here all day – at least until 5:00.

Script by Dr. Lucy Tse

Avsnitt 37: Simon Gustavsson  

I veckans avsnitt bryter vi vårt tidigare mönster och istället för att diskutera en idrott eller ett fysiologiskt fenomen ingående så fördjupar vi oss istället i ett extremexempel på vad människokroppen klarar av.

Simon Gustavsson, coach och delägare i Umara Sport gästar podden och berättar om när han nyligen cyklade från den mest norra punkten i Sverige ända ner till söder utan att äta någonting på vägen. Totalt blev det 230 mil på cykel under 15 dagar.

Vi får höra om hur Simon förberedde sig inför loppet genom att dricka shakes med grädde och glass, hur det kändes under tiden han cyklade, när hans blodsocker blev lågt och hur mer intensiv cykling fick honom att må illa. Slutligen får vi även veta lite hur det har fungerat efter det att Simon kom i mål.

Hålltider
00:00:00 Introduktion av Simon Gustavsson
00:10:00 Sena lärdomar kring dum träning
00:13:25 Sverigetrampet - cykla rakt genom Sverige utan att äta
00:18:00 Att hålla salt och vätskebalans utan någon mat
00:22:30 Hur Simon bulkade inför Sverigetrampet
00:26:00 Reaktioner innan Simon började cykla
00:28:00 De tuffaste delarna av resan och säkerhetsåtgärder
00:33:30 På vilken intensitet cyklade Simon?
00:39:05 Har Simon några bestående men från utmaningen?
00:40:30 Mätning av kroppssammansättning före, efter bulk och efter cyklingen
00:47:30 Hur mådde Simon mentalt under tiden?
00:52:25 Har Simon lärt sig något användbart under tiden?
00:55:20 Willes tidsmål inför midnattsloppet
00:56:20 Har Simons trivselvikt lagt sig högre efter hans bulk?
00:59:50 Vad var det första Simon åt efter de 15 dagarna?
01:03:45 Händer det något oväntat fysiologiskt under tiden?
01:06:30 Teoretiskt så skulle Simon kunnat ta sig tvärs över USA

7 Tips to Increase your Borrowing Capacity by over $139,000!  

In this week's episode, we're going through how to increase your borrowing capacity. People struggle to get loans initially, and it's only becoming harder because APRA is tightening lending requirements. This is really just, how much people can take out and we'll go through seven practical tips.

This is all simple stuff and whether you're looking at buying in the short term, or medium to long term this will affect building your wealth and your property journey.

If you like this episode, make sure you tell your friends!

 

Tip 1: Reduce credit cards and don't get debt because it seems like a good idea at the time! A lot of people think that they need to get a credit card for credit history when this is actually wrong. At the moment they've only got negative credit reporting. It's more about having a good credit file, you don't need to establish history.

Reduce any credit card owing you have. If you've got a $10,000 credit limit this will reduce your borrowing capacity by $40,000. So essentially, four times the credit impact. Even if you have no debt owing on the $10,000 credit card - it will still be assessed as if the whole thing is debt, as the assumption is that you could go to the casino and spend that whole $10,000.

  Tip 2: Clean up your unsecured debts   Secured loans - a mortgage is a secured loan because the bank can sell it if something happens. An unsecured loan is a credit card because there's no collateral or security against it.   You can go to the bank and they'll give you $15,000 to have a holiday, but you will pay huge rates aginst that and it will affect your borrowing capacity. If you default on the $15,000 holiday loan the bank will have a hard time getting its money back.   Even a small car loan will affect this. Just $500 a month ends up decreasing your borrowing capacity by over $80,000. It's amazing how those small things do add up and can affect your ability to grow a portfolio.   There's good debt and bad debt, and car loans like that should be paid as quickly as possible so that they don't affect your borrowing capacity. If you've got an existing property, you could look at debt consolidation, where you increase your home loan to add your car loan onto it. The trap here is that the extra $10,000 they keep for 30 years so the interest costs are higher. Speak to a broker about this before doing it!     Tip 3: Sort out your paperwork

As a mortgage broker, I see how bad people are with paperwork, but this is so important! You need to have your group certificates, rates notices, pay slips etc. all ready to go. It's amazing how disorganised people are with this. Get your paperwork in check because this can affect your borrowing capacity. So go through a pre-approval process first so that you don't need to waste time when you're ready.

Get your paperwork in check because this can affect your borrowing capacity. So go through a pre-approval process first so that you don't need to waste time when you're ready to move forward with things.

No one likes paperwork but unfortunately, it is necessary. If the bank is lending you $500,000+ a few pieces of paper are necessary!

 

 

Tip 4: Shop around for deals between banks

You need to look after yourself, which means ensuring that you're getting the best rate. If you want to get into investing, look at different lenders and deals because these small differences can really hold you back.

There are two things that make a difference.

 

How much the bank will lend you

If you've got a combined income of $85,000 - between lenders there can be an $139,000 difference between them. So doing your research can make a huge difference.


Now, this isn’t just limited to home loan rates because, surprisingly, different banks can potentially increase your borrowing capacity. If you have a look at the scenario we have put together below for 2 adults, no kids and a combined annual income of $85,000. There is over $139,000 difference in how much Lender A and Lender G will lend the couple!

Lender A          $465,900

Lender B          $456,438

Lender C          $427,258

Lender D          $411,000

Lender E          $399,508

Lender F          $361,459

Lender G          $326,516

 

Lenders mortgage insurance 

There can be a huge difference again between banks. For example between them, there could be a $6,000 difference on how much insurance you pay the bank. This is compounded over 30 years equates to almost $30,000 over 30 years, four times the amount. LMI is a good tool if you need it, but if you are going to do it make sure you find the best rate. 

 

Tip 5: If you have split loans with someone else, show how you are sharing them

If you have owned property with friends or family members in the past you may own 50% of the property. Therefore, you own 50% of the home loan associated but in the eyes of some banks, you are considered wholly liable for the debt even though you only own 50% of the property.

Fairly or unfairly, they assume you need to make 100% of the loan repayments but are only entitled to 50% of the rent. This can severely decrease your borrowing capacity.

 

 

Tip 6: Consider extending your loan

Again, this is situational. If you can extend the term of your home loan is it really a good idea?

Pro - extending the term of the loan means you can borrow more with fewer repayments each month

Con - more interest because it's a longer period

 

This is something to seek advice on and proceed with caution.

Practically, this would look like:

$300,000 loan at 5% over 25 years - $1,753 per month with the total interest payable $226,131

If you, however, looked at extending the loan term to 30 years, it would look like this:

$300,000 loan at 5% over 30 years - $1,610 per month with total interest payable $279,767

 

Tip 7: Save!

Save! Anyone who has been successful in generating a number of properties has great cash flow management. To do that, you've got to have the ability to save money!

If you have more savings in the bank, the bank will lend you more money. The more cash you put towards a property, the more the banks will give you.

The boring stuff is true.

 

 

In summary Reduce your credit card limits! You can do it online or call your bank. Shop around for different banks or get someone else to do it for you. Having more savings, if you've got a bigger deposit you can avoid lenders mortgage insurance. The more you have, the more the bank will lend you. Long term, the banks want to see you at 60 - 70%, if you're too highly geared, you're very susceptible to issues. Try to have them positively geared, as this income is the one thing you can control.

Make sure you are working with a professional mortgage broker like the team at Red & Co to maximise how much you can borrow, and grow your property portfolio in a sustainable way. Also, check out Louis' podcast SelfMadeMil.com.au

Folge 58 - Sozial-ökologische Bankarbeit - Interview mit Rouven Kasten von der GLS Bank  

Das Thema ethische Geldanlage hatte ich vor nicht allzu langer Zeit im Podcast "Der Finanzwesir rockt". Mit der Folge 58 meines Podcasts möchte ich noch etwas näher auf einen Teilbereich davon eingehen, die sozial-ökologische Bankarbeit. Dafür habe ich Rouven Kasten von der GLS Bank in meinen Podcast eingeladen, der auf unterhaltsame Weise Rede und Antwort stand.

Diese Folge wird präsentiert vom Finanzrocker-Backstagepass. Einfach anmelden, 60-seitiges E-Book erhalten und auf dem Laufenden bleiben, was im Blog und im Podcast passiert.

Seit anderthalb Jahren arbeitet Rouven bei der Genossenschaftsbank und ist dort für die digitale Kommunikation und soziale Medien zuständig. Er berichtet im Interview über seinen Alltag und erklärt die deutlichen Unterschiede zu anderen Banken. Vieles war für mich auch neu und der Ansatz der GLS gefällt mir ausgesprochen gut.Grundlegende Unterschiede liegen schon in dem Leitspruch der GLS Bank "Geld ist für die Menschen da". 

Die Bank aus Bochum finanziert ökologische Landwirtschaft, Bildung, Soziales, erneuerbare Energien, Wohnen und noch einiges mehr. Komplett verzichtet wird auf die Unterstützung von Atomkraft, Rüstung, Agrogentechnik und Kinderarbeit.Rouven und ich sprechen über eine Stunde über die Gründung der GLS Bank, die Entwicklung, das Internet, Markenbildung und noch so einiges mehr. Aber auch Rockmusik, Segeln, eine Gestalterhütte und soziale Medien spielen eine wichtige Rolle. Eine typisch bunte Finanrocker-Podcast-Folge also.

Zur Homepage der GLS Bank Zur Facebook-Seite der GLS Bank Zur Twitter-Seite der GLS Bank Zum Blog der GLS Bank Zu Rouvens Blog Gestalterhütte
Mikro020 Abstiegskampf  

Kommentare der Hörer und Links zu den Quellen findet ihr auf www.mikrooekonomen.de Deutsche Bank: - CDS Chart Überblick und Zinskurve der nachrangigen und der Coco-Anleihen der Deutschen Bank: -- Täglich aktualisierte CDS Preise, Deutscher Derivate Verband -- Confounded Interest: Germany's Deutsche Bank and Commerzbank continue slip sliding away -- Zer0hedge: Deutsche Bank Stock Crashes Near Single-Digits As CDS Spike To Record Highs - FAZ: Geldinstitute: Der Abstieg der Deutschen Großbanken - IWF hält Deutsche Bank für gefährlich | ZEIT ONLINE - Laufende Prozesse der Deutschen Bank (lol) - Eigentlich könnte man von der „Abwicklung“ der Banca Monte dei Paschi di Siena etwas über eine Rettung nach den neuen europäischen Regeln lernen. Aber das ist immer noch nichts geklärt: Handelsblatt: Kapitalerhöhung fällt kleiner aus - Im Fall der Geldwäsche des Staatsfonds von Malaysia ist entgegen meiner Aussage im Podcast unklar, ob die Deutsche Bank hier Täter oder Opfer war n-tv: Transaktion von 700 Mio Dollar - Deutsche Bank in 1MDB-Skandal verwickelt HSH Nordbank und die absaufenden Schiffskredite: - Zum Verkauf der Schiffskredite an den Steuerzahler: Wiwo: HSH Nordbank - Länder übernehmen faule Schiffskredite - Zeit Interview mit CEO Ermisch „Für den Staat hat sich dadurch nichts geändert“ Zeit: HSH Nordbank:"Die Altlasten sind gruselig" - Sehr detailliertes Blog über die deutschen Bad Banks von Dani Parthum: diedeutschenbadbanks.de Türkei ist Ramsch - Wiener Zeitung: Ärger über Ramschstatus - Lage des Tourismus: Handelsblatt: Tourismus in der Türkei: Der Schock nach den Schocks Wir sparen uns zu Tode (Teil VII) … - Weitwinkelsubjektiv: Yeah, wir haben uns den Einheitsboom komplett weggespart - „Wie kaputt ist deine Schule“-Karte aus Berlin: http://schulsanierung.tursics.de/ Wo unsere Kinder lernen - Kaputte Verwaltung in Berlin: Ein Grund: 74 (!) IT-Dienststellen in Berlin: Presseschelte - SZ: EU-Schuldenstaaten - Sorgen im Süden - Die Replik von Investigate Europe: The reporter who mistook his bias for success Hörerfeedback & Bier: - Macho-Bier sagt Marco: Horny Betty - Gutes Bier sagt egghat: Klosterbrauerei Scheyern: Klosterbier Export dunkel - Leider nicht gut genug um das hier zu schlagen: Weltenburger Klosterbrauerei Barock dunkel Pick: - von Marco: THE QUIET GERMAN - The astonishing rise of Angela Merkel, the most powerful woman in the world. By George Packer Intro-Music: Title: “Femme Fatale: 30a”; Composer: Jack Waldenmaier; Publisher: Music Bakery Publishing (BMI) Viel Spaß beim Hören! Wir möchten eine offene Plattform schaffen und den Podcast weiterentwickeln. Eure Spende hilft uns dabei. Bankverbindung: Marco Herack GLS Bank IBAN: DE61 4306 0967 2065 2209 00 BIC: GENODEM1GLS

#17 [AUDIO DRAMA] Mortes Ao Som De Jazz  

Áudio Drama “Mortes Ao Som de Jazz”, uma produção original do podcast Contador de Histórias. Em uma São Paulo noir na década de 40, um assassino conhecido como “Asssassino do Jazz” nunca foi pego. Mas agora sua identidade está em risco quando um imitador começa a matar pessoas do mesmo jeito querendo conhecer o verdadeiro assassino e cabe aos detetives da Polícia de São Paulo, Bernardo e Afonso, investigarem o caso repleto de tensão e reviravoltas. Link para download: https://goo.gl/e8ldHM Duração: 22min História Original e Roteiro: Danilo Vieira Battistini Revisão: Victor Vargas Edição e Mixagem: Danilo Vieira Battistini – Tom Tom Semitom Com as vozes de: Narrador.............Julio Franco Afonso.................Felipe Grinan Bernardo.............Nelson Machado Manuela..............Samira Fernandes André...................Mauro Castro Euler....................Ricardo Fábio Marcel.................Ramon Campos Henrique..............Mauro Eduardo Antônio................André Sauer Jornaleiro.............Lucas Gama Homem #1...........Gilberto Baroli Mulher #1.............Leticia Quinto Homem #2...........Carlos Seidl Mulher #2.............Ana Clara Fischer Homem Bar..........Jorge Destez Policial #1.............Rogério Cesar Policial #2.............Danilo Battistini Estúdios de Gravação: Centauro Comunicaciones; Luminus; Mousikê Central Art Estúdio de Mixagem: Centauro Comunicaciones Músicas utilizadas (Por ordem de aparição) J.J. Bop – Andrew Hale & Simon Hale Redemption Pt.2 – Andrew Hale & Simon Hale New Beginning Pt.2 – Andrew Hale & Simon Hale Minor 9th – Andrew Hale & Simon Hale Temptation Pt.2 – Andrew Hale & Simon Hale Temptation Pt.1 – Andrew Hale & Simon Hale Fall From Grace Pt.2 – Andrew Hale & Simon Hale Pride Of The Job Pt.2 - Andrew Hale & Simon Hale Guilty - Andrew Hale & Simon Hale & The Real Tuesday Weld & Claudia Brucken (I Always Kill) The Things I Love - Andrew Hale & Simon Hale & The Real Tuesday Weld & Claudia Brucken Contador de Histórias Theme - Henrique Fajardo As músicas com vocais são de autoria de Andrew Hale & Simon Hale & The Real Tuesday Weld & Claudia Brucken Versão e adaptação: Danilo Vieira Battistini Interprete: Manuela Perez Arte usada de Patrick Brown em: http://patrickbrown.deviantart.com/art/L-A-Noire-204923718 Agradecimentos: Muito obrigado em especial aos Padrinhos e Madrinhas do Contador de Histórias: Andriolli Costa, Carlos Henrique Diniz, Aline Della Paschoa, Natalia Angelotti, Ana Carolina, Glauber Coelho, Maria do Carmo, Lucas Orlandelli, Henrique Fajardo, Tereza Maria. Obrigado a todos que ajudaram de alguma forma! Todos os dubladores que cederam parte de seu tempo pra me ajudar em mais um áudio drama. Ana Carolina (Pequena) por todo a ajuda, apoio, ideias e opiniões, te amo! Victor (Muha) por mais uma revisão! Todos que ajudaram de alguma forma nesse projeto, que tem acompanhado o esforço que tenho feito pra todo esse trabalho que não vai parar! Manu por ter me ajudado com as músicas cantadas! Leandro Fonseca por ter ficado de técnico na Mousikê. Nelson Machado por emprestar a voz não só para seu personagem mas também na abertura do podcast! Se você gostou, não esqueça de curtir, comentar e compartilhar! Vocês são o motivo pelo qual esse podcast continua! E se quiser contribuir com o projeto visite https://www.padrim.com.br/contadordehistorias e saiba como ajudar! Um muito obrigado e até o próximo!

How to Pitch a Top VC with Simon Menashy @ MMC Ventures  

Simon Menashy is Investment Director at MMC Ventures where he is responsible for leading new and follow on investments as well as supporting existing MMC portfolio companies. He also sits on the board for WeDoBoticca and Sky Futures and works closely with a number of other B2B and B2C businesses including Growth Intelligence, Mubi, Small World, Somo.  Prior to MMC Simon worked in European tech and media consulting, working with clients including the BBC, Virgin Media, BT, Thompson Reuters and Ofcom as part of the Deloitte Strategy team in London

 

Items Mentioned in Today's Show:

Base79 Growth Intelligence

In Today's Episode You Will Learn:

1.) How Simon made his move from consulting into the world of VCs?

2.)Simon recently tweeted how not to pitch to VCs, so what should founders be doing when pitching? What are the fundamentals in terms of required documentation? 

3.) Does Simon agree with Peter Thiel’s opinion that disruption is fundamentally bad for society? What industries does Simon feel will be next disrupted?

4.) With the increasing length of time it takes for venture backed companies to IPO, how does Simon feel the funding path is changing?

5.) How does Simon believe the tech eco system is going in London and what can be done to increase VC funding and engender a silicon valley esque feel to London?

Today's episode finishes with a quick fire round where we hear Simon's thoughts on the apple watch, what the biggest red flags are when viewing a pitch and his most recent investment and why he said yes?

You can follow HarrySimon and The Twenty Minute VC on Twitter.

 

Policy Issues Affecting the Bank of England: inflation control and social choice [Audio]  

Speaker(s): Mark Carney, Professor Amartya Sen | A lecture by Mark Carney, the Governor of the Bank of England, followed by a discussion and Q&A with Amartya Sen, Professor of Economics and Philosophy at Harvard University, charied by Professor Lord Stern. Mark Carney is Governor of the Bank of England and Chairman of the Monetary Policy Committee, Financial Policy Committee and the Board of the Prudential Regulation Authority. The Governor joined the Bank on 1 July 2013. After a thirteen-year career with Goldman Sachs in its London, Tokyo, New York and Toronto offices, Mark Carney was appointed Deputy Governor of the Bank of Canada in August 2003. In November 2004, he left the Bank of Canada to become Senior Associate Deputy Minister of Finance. He held this position until his appointment as Governor of the Bank of Canada on 1 February 2008. Mark Carney served as Governor of the Bank of Canada and Chairman of its Board of Directors until 1 June 2013. Amartya Sen is Thomas W Lamont University Professor and Professor of Economics and Philosophy at Harvard University. He is the recipient of the 1998 Nobel Prize in Economics and an LSE Honorary Fellow. Nicholas Stern is the Chair of the Grantham Research Institute on Climate Change and the Environment at the LSE and is currently the President of the British Academy. The Department of Economics at LSE (@LSEEcon) is one of the largest economics departments in the world. Its size ensures that all areas of economics are strongly represented in both research and teaching. The Centre For Macroeconomics (@CFMUK) brings together world-class experts to carry out pioneering research on the global economic crisis and to help design policies that alleviate it.

Episode 47: Deutsche Bank - helt eller skurk?  

I den 47. udgave af #forpengenes spiller Deutsche Bank en art hovedrolle. Indirekte men også direkte. I den indirekte version er Deutsche Bank den stabiliserende part i den meget lidt succesfulde børsnotering af Nets. Vi kommer ind på hvorfor Nets ikke har udviklet sig i den retning, som investorerne havde håbet på og giver svaret på hvad der vil ske med de aktier, som Deutsche Bank på vegne af emissionsbankerne som varetog børsnoteringen, opkøber i kølvandet på børsnoteringen. I den mere direkte rolle fokuserer vi på hvorfor der er så stor opstandelse om Deutsche Bank og hvad det betyder for investeringstilliden, at de har et så stort arsenal af økonomiske masseødelæggelsesvåben (derivater). Du får ikke svar på om du skal købe eller sælge Deutsche Bank aktier, men du bliver forhåbentlig lidt klogere på hvorfor det er et tegn på investeringsmæssig mistillid, når en så stor bank som Deutsche Bank er, kun prisfastsættes til lidt i overkanten af 25 % af den bogførte egenkapital. Podcasten holder efterårsferie i uge 42 og 43.

Episode 013: Jerry Clark - Collar Bomb, Pizza Bank Robbery  

Show Notes:
In this episode I interview Jerry Clark who served 21 years in federal law enforcement.  He was an NCIS agent, DEA agent and finished his career as a FBI agent. Jerry is interviewed about one of the most bizarre bank robbery schemes in the history of the FBI. Known officially as COLLARBOMB, the case involves a pizza deliveryman who robbed a bank with a time bomb locked around his neck.  It took Jerry and his partners from AFT and the Erie Police Department several years to unravel the complicated plot. At the end of the case there were a total of three dead bodies.

Jerry has a Ph.D. in Criminal Justice and is currently an Assistant Professor Criminal Justice at Gannon University in Erie, Pennsylvania. He and his co-author Ed Palattella have written two true crime books, Pizza Bomber - The Untold Story of America's Most Shocking Bank Robbery and A History of Heists - Bank Robbery in America.

 

Special Agent
Gerald C. Clark, Jr.
01/1990 (NCIS, DEA, FBI)
Retired - 06/30/2011
 

 

 

 

 

 

 

 

 

 

 

Jerry worked violent crime and bank robbery cases for most of his federal law enforcement service. The Pizza Bomber case was the most challenging and long-term investigation of his career

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Jerri Williams, a retired FBI agent, author and podcaster, attempts to relive her glory days by writing crime fiction and hosting FBI Retired Case File Review, a true crime podcast available for subscription on iTunes and Stitcher. Her novel—Pay To Play— about a female agent investigating corruption in the Philadelphia strip club industry will be released on September 20, 2016.

This episode was sponsored by FBIRetired.com – the only on-line directory made available to the general public featuring “retired” FBI AGENTS / ANALYSTS interested in showcasing their skills to secure business opportunities.

 

 

 

The post Episode 013: Jerry Clark – Collar Bomb, Pizza Bank Robbery appeared first on Jerri Williams - FBI Crime Fiction.

The Butterfly Defect [Audio]  

Speaker(s): Professor Ian Goldin, Professor Danny Quah | Professor Goldin will address how global hyperconnectivity creates systemic risks and how this can be managed effectively. Ian Goldin is Director of the Oxford Martin School and Professor of Globalisation and Development at the University of Oxford. Professor Goldin was Vice President of the World Bank (2003-2006) and prior to that the Bank's Director of Development Policy (2001-2003). He served on the Bank's senior management team and led the Bank's collaboration with the United Nations and other partners as well as with key countries. As Director of Development Policy, he played a pivotal role in the research and strategy agenda of the Bank. From 1996 to 2001 he was Chief Executive and Managing Director of the Development Bank of Southern Africa and served as an advisor to President Nelson Mandela. He succeeded in transforming the Bank to become the leading agent of development in the 14 countries of Southern Africa. During this period, Goldin served on several Government committees and Boards, and was Finance Director for South Africa's Olympic Bid. Previously, Goldin was Principal Economist at the European Bank for Reconstruction and Development (EBRD) in London, and Program Director at the OECD Development Centre in Paris, where he directed the Programs on Trade, Environment and Sustainable Development. He has a BA (Hons) and a BSc from the University of Cape Town, an MSc from the London School of Economics and Political Science, and an MA and Doctorate from the University of Oxford. Danny Quah is Professor of Economics and International Development at LSE, and Director of the Saw Swee Hock Southeast Asia Centre, at LSE's Institute of Global Affairs. Jean-Pierre Zigrand is Associate Professor of Finance at LSE and Director of the Systemic Risk Centre. The Systemic Risk Centre (@LSE_SRC) investigates the risks that may trigger the next financial crisis and develops practical tools to help policy-makers and private institutions become better prepared. Credits: Tom Sturdy (Audio Post-Production), LSE AV Services (Audio Recording).

SG #054: Banken  

Lernmaterial zu dieser Folge: www.slowgerman.com

Momentan ist eines der größten Themen die Finanz- und Wirtschaftkrise. Fan hat mich nun gebeten, über das deutsche Bankwesen zu sprechen, und das werde ich gerne tun.

Es gibt viele sehr bekannte deutsche Banken, zum Beispiel die Deutsche Bank oder die Commerzbank. In Deutschland gibt es sehr wenige Privatbanken, dafür aber viele öffentlich-rechtliche oder genossenschaftliche Banken. Das ist alles etwas kompliziert, im Grunde kann man sagen, es gibt drei verschiedene Arten von Banken in Deutschland. Zum einen gibt es die Genossenschaftsbank – eine Genossenschaft ist eine bestimmte Rechtsform. Die bekannteste Genossenschaftsbank in Deutschland ist wohl die Volks- und Raiffeisenbank. Die zweite Art ist eine öffentlich-rechtliche Bank, zum Beispiel eine Sparkasse. Das Hauptziel der Sparkassen ist nicht, Gewinne zu erzielen. Vereinfacht gesagt geht es ihnen mehr um den Bürger als um das Geld. So sollte es zumindest sein. Die dritte Bankenart ist die Privatbank.

Was kann man bei einer Bank alles machen? Zunächst mal hat man oft schon als Kind die Möglichkeit, das ersparte Geld zur Bank zu bringen. Ich erinnere mich, dass ich ein Sparschwein hatte – das war ein Schwein aus Porzellan, das oben einen Schlitz hatte. Dort konnte man Münzen hineinwerfen. Wenn das Schwein voll war, wurde es zur Bank gebracht und das Geld auf ein Sparkonto eingezahlt. So haben viele deutsche Kinder gelernt, zu sparen.

Später eröffnet man bei der Bank ein Girokonto. Das passiert meist dann, wenn man anfängt zu arbeiten und regelmäßige Einnahmen hat. Ein Girokonto ist sehr praktisch. Man kann viele Zahlungen automatisieren, das nennt man dann einen Dauerauftrag. Ich habe es zum Beispiel so eingerichtet, dass an jedem ersten Tag im Monat das Geld für die Miete automatisch von meinem Konto auf das Konto meiner Vermieterin überwiesen wird.

Schecks werden in Deutschland nur noch sehr selten von Privatpersonen verwendet. Stattdessen gibt es so genannte Einzugsermächtigungen. Ich habe zum Beispiel einen Vertrag unterschrieben, und dieser Vertrag erlaubt meinem Stromanbieter, dass er jeden Monat oder jedes Quartal Geld von meinem Konto abbuchen darf. Er holt sich also das Geld selber, das der Strom kostet. Das gleiche gilt für die Heizung, das Wasser, Versicherungen und ähnliches. Daher muss ich mich um nichts mehr kümmern, alles ist automatisiert.

Wenn ich einer anderen Person Geld schicken möchte, weil ich zum Beispiel bei eBay etwas gekauft habe, dann kann ich das Geld überweisen. Eine Überweisung ist ein Blatt Papier, ein Formular. Dort trage ich meinen Namen ein und meine Kontonummer, und den Namen und die Kontonummer des Menschen, bei dem ich etwas gekauft habe. Dann noch den Geldbetrag, und einen so genannten Verwendungszweck, also ein Stichwort, damit der Verkäufer weiß, wofür das Geld gedacht ist. Diese Überweisung gebe ich dann bei der Bank ab, und das Geld wird überwiesen. Noch einfacher ist es online – die meisten Banken bieten mittlerweile in Deutschland Online-Banking an. Hier kann ich online ausfüllen, wem ich Geld schicken möchte, und alles geht ganz schnell. Damit die Bank weiß, dass nur ich Zugriff auf das Konto habe, hat sie mir einen Online-Zugang eingerichtet, der mit einem Passwort geschützt ist. Dieses Passwort habe ich per Post zugeschickt bekommen. Außerdem muss ich jede Transaktion, also zum Beispiel jede Überweisung, mit einer TAN-Nummer bestätigen. Diese TAN-Nummern bekommt man ebenfalls per Post geschickt.

Natürlich kann man auch in Deutschland längst mit Plastik bezahlen. Das bedeutet, man kann Plastikkarten benutzen, um zu bezahlen. Am weitesten verbreitet sind ec-Karten. EC steht dabei für Electronic Cash. Mit so einer Karte kann ich auf mein Girokonto zugreifen. Zum Beispiel kann ich an einem Bankautomaten Geld abheben. Dafür muss ich die ec-Karte in den Automaten einführen, dann meine PIN-Nummer eingeben, das sind vier Zahlen, und dann kann ich Bargeld abheben. Ich kann mit der ec-Karte auch einkaufen. Im Supermarkt fragt mich die Kassiererin dann entweder nach meiner PIN-Nummer, die man dann selber eintippen muss, oder man muss einen Bon unterschreiben, also einen Kassenzettel. Das geht einfach und schnell. Praktisch ist auch, dass man mit der ec-Karte oft auch in ganz Europa bezahlen kann, und zwar immer dann, wenn auf der Karte auch das „Maestro“-Zeichen abgedruckt ist.

Kreditkarten sind in Deutschland auch verbreitet, aber es ist noch nicht üblich, dass man kleine Beträge mit der Kreditkarte bezahlt. Vor allem amerikanische Ketten wie Starbucks akzeptieren zwar Kreditkarten auch für einen Kaffee, oft aber ist es nicht so. Das hängt vor allem damit zusammen, dass die Kreditkartengesellschaften wie VISA oder Mastercard Gebühren vom Verkäufer verlangen. Sein Gewinn ist also geringer, wenn der Kunde mit Karte bezahlt. Vor allem in Tankstellen oder Restaurants und in Kaufhäusern kann man aber ohne

Rethinking Development Finance [Audio]  

Speaker(s): Dr Jim Yong Kim | On the eve of the World Bank Group – International Monetary Fund Spring Meetings, World Bank Group President Jim Yong Kim will discuss how we must fundamentally shift development finance to meet the aspirations of the world’s 7 billion people and become the first generation in history to end extreme poverty. Jim Yong Kim (@JimYongKim), M.D., Ph.D., is the 12th President of the World Bank Group. Soon after he assumed his position in July 2012, the organization established two goals to guide its work: to end extreme poverty by 2030; and to boost shared prosperity, focusing on the bottom 40% of the population in developing countries. In September 2016, the World Bank Group Board unanimously reappointed Kim to a second five-year term as President. During his first term, the World Bank Group supported the development priorities of countries at levels never seen outside a financial crisis and, with our partners, achieved two successive, record replenishments of the World Bank Group’s fund for the poorest. The institution also launched several innovative financial instruments including facilities to address infrastructure needs, prevent pandemics, and help the millions of people forcibly displaced from their homes by climate shocks, conflict, and violence. Kim’s career has revolved around health, education, and delivering services to the poor. Before joining the World Bank Group, Kim, a physician and anthropologist, served as the President of Dartmouth College and held professorships at Harvard Medical School and the Harvard School of Public Health. From 2003 to 2005, as director of the World Health Organization’s HIV/AIDS department, he led the "3 by 5" initiative, the first-ever global goal for AIDS treatment, which greatly to expand access to antiretroviral medication in developing countries. In 1987, Kim co-founded Partners In Health, a non-profit medical organization that now works in poor communities on four continents. Kim has received a MacArthur "Genius" Fellowship, was recognized as one of America's "25 Best Leaders" by U.S. News & World Report, and was named one of TIME magazine's "100 Most Influential People in the World". Zeinab Badawi (@bbczeinabbadawi) is a Sudanese-British television and radio journalist, currently the presenter of Global Questions and Hard Talk for the BBC. Through her own production company she has produced and presented many programmes, including currently the definitive TV series of African history in association with UNESCO. Zeinab is one of the best-known broadcast journalists working in the field today. In 2009 she was awarded International TV Personality of the Year by the Association of International Broadcasters, and was named in Powerlist 2012 and 2015 as one of Britain's top 100 most influential members of the black community. She is the current Chair of the Royal African Society, a Queen's appointment to the Board of the Historic Royal Palaces, a trustee of BBC Media Action (the charitable arm of the BBC), a Vice-President of the United Nations Association UK, and a board member of the African Union Foundation. She is also a member of the World Economic Forum's Global Agenda Council for Africa.

TAP008: Flight Control Laws  

Flight Control Laws

The flight control law is basically the relationship between the pilot's input on the side stick and the resulting aircraft or flight control surface response.
There are 3 flight control laws Normal Law, Alternate Law and Direct Law

 

As a general rule, normal law deals with single failures of a system and alternate law deals with double failures.

Within Normal Law we have three sub categories,

Ground Mode
Flight Mode
Flare Mode

Ground Mode was designed to make the aircraft behave more naturally when rotating at liftoff. The relationship between the side stick and the aircrafts response is much more like a conventional aircraft.
For pitch control - there is a direct relationship between Side stick deflection and elevator deflection. Once the aircraft reaches 75kts the maximum elevator deflection is reduced from 30 degrees to 20 degrees. If we haven't manually set a trim position using the trim wheel then the THS or trimmable horizontal stabiliser will automatically set to 0.
For lateral control - The side stick demands aileron and spoiler deflection as opposed to a roll rate but its not a direct relationship, the amount of deflection is dependant on the aircraft speed. As a extra bit of information for you, only spoilers 2 to 5 and the ailerons are used for roll. The rudders being a mechanical linkage aren't affected so you just have to remember that they become more sensitive the faster you go. There are no protections at all when in ground law.

Flight Mode
The aircraft will then start to blend smoothly from ground mode into flight law once the pitch attitude reaches 8 degrees. In roll this takes half a second and for pitch it takes five seconds.
There's a good graphic in the FCOM with this information on. Its in
Descriptions - Flight Controls - Flight control System - Normal Law - General

 

once the aircraft has been airborne for more than 5 seconds we are then in flight mode. This is obviously the one we are exposed to 99% of the time we are operating. As we mentioned a minute ago, normal law keeps us within the aircraft envelope and prevents us from doing manoeuvres that could potentially endanger the flight. It also gives the aircraft certain characteristics when manually flying.
In pitch the sidestick demands a load factor as opposed to an elevator deflection. So an input on the sidestick will give a pitch rate at low speed or a g-load at high speed. This is designed to give an aircraft response that the pilot would naturally expect. One of the first things you notice about the Airbus is the lack of trimming which is for me one of the best features. Therefore if there is no input on the stick the aircraft will maintain its flightpath even if the speed changes. In fact even if you change the thrust or the configuration, the aircraft will compensate for the pitching moments. This makes manual flying very easy and frees up lots of capacity.
With Roll, Again, unlike a conventional aircraft, lateral inputs on the side stick don't demand aileron deflection directly. They demand a roll rate and full side stick deflection will demand 15 degrees per second.
Just like with pitch, the aircraft will auto trim so the bank angle will be maintained when you let go of the stick up to 33 degrees, and will also automatically provide a pitch compensation and perform a coordinated turn using yaw. The maximum bank angle the aircraft will allow you to do is 67 degrees.
Beyond 33 degrees, the aircraft won't auto trim and if the side stick is then released it will return back to 33 degrees. In addition to this, above the 33 degrees, spiral stability is introduced and pitch compensation isn't available. The reason they've written this into the software is because there is no reason to fly at such high bank angles for a prolonged period.

Protections

Angle of Attack -
Autopilot out at Alpha prot, then from Alpha prot to alpha max side stick demands Alpha directly. Alpha floor trigger TOGA thrust and speed continues to decrease until we get back to Alpha max which the speed won't go below.

Load Factor -
+2.5G to -1G clean
+2G to 0G in any config other than clean

Pitch Attitude-
-15 degrees all configs
+30 degrees config 1, 2 and 3
+25 degrees config Full

High Speed Protection-
Autopilot out at VMO/MMO, master caution and overspeed ECAM at VMO/MMO +4 kts, then at VMO/MMO +6 kts, pitch trim is frozen, max bank angle is reduced and a nose up demand is triggered.

Bank Angle -
Max 67 degrees
Reduced to 45 degrees in Alpha protection and 40 degrees in high speed protection
Side stick pressure required to maintain bank angles greater than 33 degrees unless in high speed protection when its zero.

 

Alternate Law is generally for situations where there has been a double failure of a system which results in either lack of redundancy or integrity of the protections found in normal law. Auto pilot and auto thrust are still available.
You can get alternate law with protections and alternate law without protections.
With protections - has the following characteristics and protections,

Load Factor still has the same protections as normal law (+2.5G to -1G clean and +2 to 0G configured).

Pitch has no protections, the green equals symbols are replaced by amber ones.

Roll is now a direct stick-to-surface relationship. To help reduce the roll rate, in alternate and direct law only ailerons and spoilers 4 & 5 are available. As a note, if spoiler 4 has failed number three will replace it and if the ailerons have failed, all roll spoilers (2 to 5) become available. There are no bank angle protections and the green equals signs are replaced by amber crosses.
Yaw control, as its a mechanical linkage isn't changed although only yaw damping is available.

Angle of Attack protection is no longer available and is now replaced by low speed stability. It's available for all configurations and is active from 5 to 10 knots above the stall speed. Somewhere in this range (as it depends on weight and config) a gentle nose down signal is introduced but this can be overridden. The speed scale now shows VLS followed by a black and red barber pole below V Stall Warning. At V Stall Warning, you get....... the stall warning! which is the words STALL STALL STALL repeated until the speed is back above V stall warning. With this you will also get the associated master warning. The warning can't be cancelled by pressing the master warning button on the glareshield Its important to remember that the aircraft can be stalled.

High Speed Protection is replaced by high speed stability instead. The speed tape looks the same and has the same warnings and sounds as normal law. The only difference is that there's no protection to stop the overspeed. Instead we have a nose up demand from the aircraft but this can be overridden. It's worth noting that VMO is reduced from 350 to 320 knots. I was once asked by a trainer what speed would I select for an emergency descent. There's no right answer here but he said he always selects 320kts because if then for some reason you go into alternate law, you won't have an overspeed to deal with on top of everything else which I thought was a good little tip.

Alternate law with protections lost is the same as alternate law but you don't get the high speed and low speed stability. So basically you only have the load factor limitation which I'll say again as repetition is the key to remembering things, +2.5 to -1G clean and +2 to 0G in any other config.

Alternate law then automatically downgrades to Direct Law when the landing gear is selected down.
Once in Direct Law, all protections and stabilities are lost. We are now essentially flying a conventional aircraft. Pitch now joins Roll and Yaw in having a direct stick-to-surface relationship. Overspeed and stall warnings are still exactly the same as Alternate Law.

The most noticeable difference when going into direct law is the lack of autotrim. 'USE MAN PITCH TRIM' is displayed in amber on the PFD. This is why many of the procedures advise taking flap 3 before gear down if flap 3 is the landing config because then the autopilot will get the aircraft correctly trimmed before it has to be done manually. Any trim adjustments will have to be made using the trim wheels either side of the thrust levers.

 

Remembering how to draw the speed tapes in each configuration

Firstly, the high speed barbers pole is the same in all cases, so just remember its black and red - easy At the slow end of the speed scale, every case has VLS, its always there, whatever - again, easy Normal Law has alpha prot (the tiger tail) and then you can't go slower than the bottom of that so its a solid red bar (think of as signifying stopping) Alternate and direct law look exactly the same as each other, they both just go from VLS to a barbers pole just like the high speed one. All the equals signs are only green in Normal law, they are amber in alternate and direct.

 

And that's it. If you can remember those simple rules, next time you're asked to draw the speed scale you will be ahead of mos

Runter kommen sie immer – Neues von der Deutschen Bank  

"Ich würde mich schämen, wenn wir in der Krise Staatsgeld annehmen würden." Diesen Satz sagte der damalige Vorstandschef der Deutschen Bank Josef Ackermann auf dem Höhepunkt der Finanzkrise 2008. Ein Satz, der immer noch nachklingt, gerade jetzt, wo es der Bank offenbar schlecht geht. Die US Justiz fordert für faule Hypothekendeals vor der Finanzkrise 14 Milliarden Dollar Strafe. Ob die Deutsche Bank dieses Geld aus eigener Kraft auftreiben kann, ist fraglich. Nach einem Bericht der Wochenzeitung "Die Zeit" bereitet die Bundesregierung bereits einen Rettungsplan für den Fall einer Schieflage der Deutschen Bank vor. Das Bundesfinanzministerium dementiert, Deutsche Bank-Chef Cryan auch. Staatshilfen im Wahljahr wären für die Kanzlerin sicherlich auch der Supergau und ein Offenbarungseid für alle Versuche seit der Finanzkrise, das globale Finanzsystem sicherer zu machen. Was aber, wenn sich die Gerüchte bestätigen? Stellt sich dann nicht auch die Frage: Wer braucht eigentlich noch die Deutsche Bank?

Integrating Financial Stability and Monetary Policy Analysis [Audio]  

Speaker(s): Oystein Olsen, Dr Sushil Wadhwani | The past decade shows how monetary policy and financial stability are interlinked. In recent years, Norges Bank has been one of few central banks where the risk of a build-up of financial imbalances has played an explicit role in monetary policy. Norges Bank was also one of the first to establish an analytical framework for the Basel III macroprudential countercyclical capital buffer. The Governor, Øystein Olsen, will discuss both analytical and organisational aspects of integrating monetary policy and financial stability and share experiences from Norges Bank so far. Øystein Olsen is the Governor of Norges Bank (Norway's central bank), a position he has held since 2011. Sushil Wadhwani is the founder of Wadhwani Asset Management LLP and a former member of the Bank of England's Monetary Policy Committee. Dr Wadhwani was educated at the London School of Economics and Political Science, where he obtained a BSc (Econ), MSc (Econ) and PhD (Econ). Sir Charles Bean is a Professor of Economics at LSE and a former Deputy Governor of the Bank of England. The Systemic Risk Centre (@LSE_SRC) investigates the risks that may trigger the next financial crisis and develops practical tools to help policy-makers and private institutions become better prepared.

A Norman Conqueror at the bank.  

You see the strangest people in the most unlikely places sometimes. I was at the bank the other day, making a deposit, when I heard a, "Clomp, clomp, clomp" to my side. I turned to look at the person next to me, and standing there was a Norman soldier. Yes, I'm not kidding! He was completely dressed and ready for battle. I recognized him as Norman because of his helmet which was very round, with a long nose piece. From his neck to the floor was a cloak of chain mail. He had a sword, a helmet, and long leather boots. I laughed, and said, "Well, you don't see that every day, do you?" The bank clerk who was serving the man also smiled. "Could I take your photo for my blogpage?" I asked. He was perfectly happy with my request, and even posed for me. "Actually," I said to him,"could you act like your just getting money out at the bank?" I wanted the photo of this Norman conqueror to be amusing. After having his photo taken, he handed me a flier. It was for the Renaissance fair at the local college. It will have historical characters from many different ages. I think calling it 'Renaissance' is a loose name. There will be archery, costumes of different times, knights fighting, and all that sort of thing. It'll be worth a visit. I'll have to take the kids there because they are obsessed with battles between knights. I'm sure the gentleman I met at the bank had no trouble handing out his fliers. He certainly got plenty of attention being dressed like that. I've seen some very interesting people around town. You can always find one or two people who are dressed outlandishly, or who are shouting at the traffic. A fascinating looking individual who I would love to interview was standing at the bus stop the other day. He was dressed like a wizard, exactly like Gandalf from the Lord of the Rings. Someone like that surely has some stories to tell. Grammar notes. Related vocabulary: unlikely, to make a deposit, to kid, clerk. 1. He is the most unlikely man for the job; I don't know if he will have any success at all. 2. They made a huge deposit in the bank, and then, a week later, took all the money out. 3. She married the same man three times; I'm not kidding! 4. The bank clerk is so helpful, much more so than the others. Tweet // //

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