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The most comprehensive list of open positions websites last updated on Mar 1 2021.
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Find Your Next Finance Job | eFinancialCareers Thousands of global open positions in financial services, investment banking, fintech and more. Browse news and career advice from the finance industry.
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The Swaddle: A Health, Gender, & Culture Magazine | The Swaddle The latest in health, gender, and culture in India -- and why it matters.
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Find Your Next Finance Job | eFinancialCareers Thousands of global open positions in financial services, investment banking, fintech and more. Browse news and career advice from the finance industry.
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FutureofWorking.com | Career Advice for the Future When giving a speech or presentation, how you start can make or break you. You want the beginning to be strong and instantly pull your audience in so that you have their full attention from the get-go. Here are 25 effective ways to start a speech or presentation. 1. The Common Ground Open Opening with a real life experience, goal or interest is a great way to grab the attention of the audience to show them that they can gain something by listening to you. By establishing common ground with the audience, especially if it is done with humility and grace, you put yourself on the same level as your audience. If you are an elderly CEO of a company and you discuss finances with a group of younger entry-level employees, you have to share your own business experiences when you were younger so that the audience will better understand your message. 2. Ask a Question If you want to make your audience think right away, ask them a question to start your speech. Ask either a rhetorical or literal question. Whether or not an answer to that question is called for, when people are posed with a question that matters to them, they will intuitively answer. When you ask a question, raise your hand to indicate what you want the audience to do. After asking a question like "How many people here are self-employed?", see if any audience members raise their hands. Take advantage of this engagement by getting into the heart of your speech. 3. Quote Sometimes it is as easy as opening with a relevant quote. You can set the tone for the rest of your speech if you have a quote that is memorable. You should keep in mind that whoever you quote has to be well known by the audience because if it is someone like your next-door neighbor, the quote will fall flat with everyone. If you are discussing topics related to politics, for example, it is wise to quote a former United States President. "If there is anything that a man can do well, I say let him do it. Give him a chance." -Abraham Lincoln 4. The Contrast Open If speeches feel like boxing matches to you, this type of opening would often be used. Showcase the difference between diametrically opposed concepts, positions, ideas or words, and the end result will be that some audience members will feel persuaded to change their perspective or embrace something new. There are always two sides to every story, and both sides have to be equally presented. What are the differences between a need and a want? Obstacles and opportunities? Problems and solutions? Highlighting the differences will get audiences to understand the points you are trying to make. 5. Tell a Story Before making the key points of your speech, telling a story to start can draw your audience in. Some of the most powerful words that can immediately grab the attention of the audience would be "Once upon a time" because regardless of age people will love stories of any kind. When you start your speech with a line like "Once upon a time", the audience will know that a story is coming. People will immediately calm down, become quiet, and listen to what you have to say. Whether it is fiction or non-fiction, telling a story will resonate with audience members. 6. Imagining Something If you want people to go on a unique journey with you, encourage them to imagine certain scenarios. For example, if you are working for a non-profit organization that brings water to people who lack the resources to get water, a good opener would be something like "Imagine being thirsty all the time, but never having anything to drink." By having them imagine scenarios like that, you make the audience a part of your presentation. They can actively empathize and engage with the content of your speech because they actually put themselves into that setting. 7. Humor Though this should never be forced onto the audience, when properly implemented you will put a lot of smiles on the faces of those you speak to. Being funny during a speech can be very difficult, but it is a way to give yourself relief as a public speaker. Telling jokes in your opening is a sign to the audience that you don't take yourself too seriously, and that they can relate to you in some way. One witty opener would be "If you can hear me, please start clapping as to confuse those that cannot make out what I am saying." 8. "This Day In History" Open One main reason why audiences gather to listen to speeches is that they can learn something. If you start your speech with a historical fact, the audience will immediately pay attention. For example, if the day of your speech falls on March 5, you would open your speech with "On this day, March 5, 1963: the Hula Hoop, a hip-swiveling toy that became a huge fad across America when it was first marketed by Wham-O in 1958, is patented by the company's co-founder, Arthur "Spud" Melin. An estimated 25 million Hula Hoops were sold in its first four months of production alone." 9. Thank the Organizers and Audience If you want to stick to the basics of public speaking, simply mention the people who made it possible for you to have a presentation. Thanking the event organizers and the audience compliments them, makes them feel proud and happy about your presence, and strongly connects you to the audience. Refer to the person who introduced you to one or more of the senior people in the organization in the audience, and compliment that person as a showing of respect. Be humble and genuine in your positive comments toward the organization. 10. Positive Statement Staying positive throughout a speech can be challenging, but it will become easier if you start your speech with a positive statement. You can begin by telling the audience how much they will like and appreciate what you have to say. For example, you could say something like "You're really going to enjoy the time we spend together today. I'm going to share with you some of the most thought-provoking ideas my company has ever made." The upbeat tone of this opening is enough to make the audience invested in whatever follows. 11. The Skeptical Audience Open A doubting audience is a difficult audience to handle. From the start, they may not trust your ideas or they could be against what you are proposing. Whether they were disappointed in the past or if they are simply stuck in their ways, they will put up a brick wall in front of you. The more hostile the crowd, the faster you must address the gap. Blending your goals and the needs of the audience requires a careful combination of anticipating the major objections, avoiding defensiveness, acknowledging the obvious truths early, and understanding the divided loyalties between the intractable, the undecided, and the supportive. Identify which of those must hear your message and adjust accordingly. 12. The Puzzle Open Brain teasers and mind puzzles tend to capture the attention of audiences that like to be given mental exercises. As the audience tries to figure out what it will take to solve them, they become highly engaged with the practice. Capitalize on this behavior by proposing a riddle, asking a puzzling question that you promise to reveal in the end, and suggesting that the audience complete a mathematical equation and promising to give the answer context as you go along during the speech. Alternatively, reveal one puzzle piece after another throughout the course of your speech to help your audience find the right solution. 13. Refer to Current Events Bringing documentation of something that is currently relevant to the public will help you to illustrate your point the way you want to. Use a current event story that is on the front page of your local newspaper to transition into your subject, and hold it up as you refer to it in your introduction. This serves as a visual image to the audience that they will keep in their minds as they see you hold up this documentation. When they hear you recite or read a key point of the news story, they will carefully pay attention to you. 14. Refer to a Recent Conversation One way to keep the topic you wish to talk about relevant to the audience is to refer to a recent conversation you had with someone attending this public speaking event. Hours or minutes before you get on stage to address the audience, you could be engaging in a thought-provoking conversation with someone in a lobby, and that person might tell you that this is one of the best times to be working in a specific industry. It is likely that many audience members will share the same view as that person, so when you mention this conversation in your introduction they will have something to relate to. 15. The Activity Open An active audience is one that will be more likely to keep listening to you after you finish your introduction. Keeping an audience preoccupied with an activity works well during training sessions and workshops when you are trying to teach a specific skill. Engaging in activity right from the start allows the audience to recognize the benefits of listening to your message. The activity has to be fun but also challenging enough. If they quickly get through it they will spend the rest of the workshop sitting in their chairs doing nothing. 16. The Study Hall Open If you are someone who loves using data-heavy charts and graphs to illustrate your points, you have to be careful about how you present your data to the audience. While they want to be informed, people in the audience also don't want to be bombarded with too much information all at once. Establishing a school setting and distributing paper handouts of data to your audience to begin your session helps them to follow along. Ask them to read the charts and graphs, and following their review you are well on your way to making your key points. 17. The PowerPoint Open When PowerPoint technology is used correctly it is a highly effective tool for the audience. Otherwise, it immediately makes your presentation feel boring. Slides that are overly literal will fall flat, but conceptual and eye-catching images give strength to your words. Pick captivating and intriguing images. If you present a talk on how to make ice cream, you could begin with a slide that shows the finished product of your ice cream brand. Describe the process of making ice cream in your introduction, and as you proceed you show slides in reverse, moving from final product to the very beginning. Along the way, you guide the viewer through each step. 18. The Audio Clip Open Your voice remains front and center for your talk, but additional sounds can bring more clarity to your message. Your words will be given more meaning with the help of a short audio clip as it makes your message more memorable. If you are teaching a music school, you can include two brief audio excerpts, a before and after of student instruction. Though your words do matter, these clips can have a better impact in persuading students to join your school. Audio testimonies, song recordings, oral accounts, and speech snippets all make for good audio clips. 19. Silence A subtle pause of silence, even if it extends to only 10 seconds, gives your audience enough time to sit and quiet down. Most audiences expect a speaker to begin right away. If you want to get the attention of an audience, taking that extra pause will help your cause. People will start wondering why you are being so quiet as they gather around, and when you break your silence and start speaking you can use that pause to illustrate a key point. Sometimes the main challenge in public speaking events is to get the audience into a silent state. 20. The Challenge Open Audiences want to be challenged and motivated to contribute to something they feel passionate about. Open your speech with a challenge if you are looking to increase sales, raising money for a project, asking for volunteers, or wanting legislative change. It isn't just about buying into your message but also taking the actions to manifest it. Start your speech with something like this: "Leaders see possibilities where followers see obstacles. I am here today to call for leaders to encourage those who are unsure about the project to look past the stumbling blocks we face in the development of this local park and consider giving citizens a better environment." 21. Multiple Choice Test Presenting your own multiple-choice test can draw your audience to your topic, and this approach is tailor-made for a talk with multiple perspectives about an issue or different solutions to the same problem. An example of this open would be to say the following: "As a company, we have several routes we can take regarding growth and increased sales. We could a) buy smaller companies to diversify our portfolio of services, b) move resources to focus on only a few, or c) we could opt to franchise. After we evaluate these options together, I will offer the option that I think is the way for us to go." 22. The Mystery Open The odds are likely that your audience loves to solve mysteries. Whether they are read in books or watched on television, mysteries grab the attention of people simply because of the uncertainty that is wrapped around them. When using this open present some clues on stage, regardless of which side of the argument they lean towards. Remind the audience of these clues throughout the speech and encourage them to come up with their own conclusions before revealing how your mystery gets solved. 23. Have Audience Members Talk to Each Other All audiences will be sitting close together in a setting where they will be visible in front of you, so you might as well take advantage of this. Encourage people to talk to others that are sitting next to them, and specifically to let them know what they would like to learn from your speech. Encourage your audience to discuss with each other any particular points. Any commands or show of leadership on your part will easily influence the audience, as long as you do it with confidence. 24. Bring Up Statistics Even if you don't bring any charts or graphs to illustrate your points, simply mentioning important statistics will resonate with the audience to get your message across the right way. Statistics have the potential to trigger the emotional appeal of the audience. One example of presenting statistics in your open would be something like: "In 2019 there were 152,000 homeless people roaming the streets in California. By 2025 that number is expected to nearly double." This kind of open highlights the need to address the problem of homelessness because the statistic is powerful, personalized and surprising. 25. The Unexpected Definition Open Dictionaries are obviously accurate, but there are times when words gain more power when they are redefined. If you are a valedictorian and you want to share how much your fellow students mean to you, the open can go like this: "The dictionary defines classmate as a member of your class, but my definition for you all is much broader than that. We were friends, teammates, and mentors. As worthy opponents, we challenged each other on the field and in the classroom. And, we now can define ourselves as fellow graduates." Conclusion How you start your presentation will depend on what kind of presentation you are giving, and what tone you want to set for your audience. Regardless of which you choose to begin with, incorporating one of these strong tools into your speech ensures that your presentation is a success from the very start.
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Careers at Banque Saudi Fransi - Banque Saudi Fransi Learn more about life and work at Banque Saudi Fransi. Browse our open positions and apply to them yourself or share vacancies with suitable contacts.
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Find Your Next Finance Job | eFinancialCareers Thousands of global open positions in financial services, investment banking, fintech and more. Browse news and career advice from the finance industry.
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Find Your Next Finance Job | eFinancialCareers Thousands of global open positions in financial services, investment banking, fintech and more. Browse news and career advice from the finance industry.
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Find Your Next Finance Job | eFinancialCareers Thousands of global open positions in financial services, investment banking, fintech and more. Browse news and career advice from the finance industry.
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Pain in the Neck | notes from a neck pain clinic Here's a short public facing piece I wrote published today over at 'The Conversation'. I hope you find it a useful clinical resource to open conversations you have with neck pain sufferers (and perhaps colleagues as well!) about 'bad posture'. The original article is here: If you suffer from neck pain, you're not alone. Spinal pain is one of the leading causes of disability worldwide and its occurrence has increased dramatically over the past 25 years. While most episodes of neck pain are likely to get better within a few months, half to three-quarters of people who have neck pain will experience repeated episodes of pain. It's often said there are "good and bad postures" and that specific postures can contribute to spinal pain but this belief is not supported by scientific evidence. Indeed, research shows that poor sleep, reduced physical activity and increased stress appear to be more important factors. So despite attempts by health professionals to correct your posture and the use of "ergonomic" chairs, desks, keyboards and other gadgets chances are so-called "lifestyle factors" – such as getting enough sleep, making sure you exercise and keeping stress to a minimum – seem to be more salient in relieving and preventing the pain in your neck. The posture myth Although beliefs about posture run deep, science is telling a very different story – and there is a strong challenge to the long-assumed role of posture as a cause of neck pain. A recent high-quality study, of more than 1,000 teenagers, for example, showed no statistically significant relationship between spinal posture and neck pain – despite there being easily identifiable postural subgroups in the study, such as those who sat slumped or those who sat upright. So yes, people do sit in positions that vary from person to person, but it appears to have nothing to do with pain. In fact, it appears from this particular study that the adolescent's "posture" has more to do with their mood. Research has also shown that changing the way you sit while working – by altering your workstation – so-called "ergonomic interventions", have little to no impact on whether a person develops neck pain. Also, there is little high-quality evidence that ergonomic interventions can lead to a speedier recovery for someone with neck pain. ShutterstockMDGRPHCS In various studies, researchers have followed groups of people who don't have neck pain along with those who only experience occasional neck pain for periods. Some people in these groups developed troublesome neck pain and the researchers looked closely at them. Those with neck pain were found to be getting less quality and quantity of sleep and were working in jobs with high strain. They were also less physically active and had depressed mood. Their bodies are essentially experiencing greater stress and they notice more "muscle tension" in their neck. Importantly, this is all before the pain has even developed. Researchers have found that, even among children as young as nine years old, symptoms such as tiredness and sleep difficulties – along with headaches, abdominal pain and lower mood – were risk factors for both the occurrence and persistence of weekly neck pain when the children were monitored for four years. Sleep, exercise and relaxation The flip side of this is that having a stronger neck, enjoying exercise – even simply walking a greater number of steps each day – have all been shown to protect against getting neck pain. This, along with making sure we don't become sleep deprived, less physically active and stressed will hopefully manage and prevent neck pain more successfully. So feel free to sit how you want to at your desk. If you find yourself sitting for long periods in one position make an effort to switch it up – as one of the key things to avoid getting pain in your neck is to change positions frequently through the day. And if you do have neck pain, get a few early nights, consider doing something relaxing – and why not go for a walk at lunchtime. Importantly, you also need to stop worrying about how you sit or walk, because science seems to show that there may be no such thing as a "bad" posture after all. This article is republished from The Conversation under a Creative Commons license. Read the original article.
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The Conservative Income Investor | Aside from the usual recommendations to own companies with dominant market positions, strong balance sheets, and high earnings growth, what is something that investors should keep in mind over the next 20+ years of investing that maybe didn't matter as much in the past? My view is that investors should be taking to heart the 1970s recommendations of Peter Drucker who predicted that one of the endings of perpetual technological development is that friction will cease to exist between the original source of a product and the consumer. This means that you should be wary about investing in companies that act as middlemen. Take something like Dick's Sporting Goods (DKS). It's a $5.3 billion company that is divided into 114 million pieces that trade at $47 per share each. It earns a profit of $350 million, or $3.07 per share. The valuation of 15x earnings is pretty low for a company that has ten-year top-line growth of 11.5%, ten-year earnings per share growth of 16.5%, and a valuation of 19-23x earnings during that time. Since the $3 per share IPO in October 2002, the stock has grown a $10,000 investment into $151,000 in just fourteen years. That is especially impressive when you consider that the current valuation of the stock is competitive with the recession-level P/E ratio level and is otherwise the cheapest opportunity to buy Dick's Sporting Goods since the IPO. Yet, when I study Dick's Sporting Goods, there is a limitation on the type of way it should be considered. It's not something like General Electric, Coca-Cola, Colgate-Palmolive, Nestle, or Brown Forman where you can buy the shares, and then set it and collect the dividends for the rest of your life knowing with a high probability that something will be there decades from now. There will come an expiration date for the company because the original source goods--the Nike and Under Armour products that get customers through the door--are now beginning to contact customers directly without the need for a vendor middleman like Dick's Sporting Goods to act as an intermediary to connect Nike shoes and golf clubs to the consumer. At first, I noticed that Nike and Under Armour were beginning to sell their own products directly to consumers online. That was something that would compete with Dick's Sporting Goods, but not necessarily in a mutually exclusive way--it is conceivable to think of a world where Nike and Under Armour's online sales grow while Dick's Sporting Goods also earns a tidy growing profit selling those goods to customers as well. That's because shoes, jackets, shirts, pants, and so on are the type of good you like to see firsthand and get a feel for--it's distinguishable from buying a book on Amazon because there is a certain in-person customization that enough customers will require. But what has bothered me, from the perspective of someone studying the business model at Dick's Sporting Goods, is that Nike and Under Armour have successfully opened their open stores that sell their products directly to consumers. If there is a pair of Nike shoes that you want, why not just go to Nike instead of an intermediary that will have to raise the price enough to own their own keep as well? The coherence of the intermediary's business model takes on a substantial impairment when the end products that a customer desires can be purchased through the end company itself. There are three reasons why a business earns a profit over the long term. You may buy something because it is cheap, you may buy something because it is convenient, and you may buy something because you want the specific product itself. An example of the first category is airlines--unless you belong to a frequent flyer program, you will choose which airline to travel based on price. If Delta tickets cost $139, and Southwest tickets cost $129, you're going to choose Southwest unless there is some other externality weighing on your decision--e.g. maybe you had a bad experience flying Southwest before, maybe the Delta routes are more timely, etc. Absent an intervening externality, price wins out. Convenience is the second moat, and this is the weakest of them all. You might frequent a grocery store because it's by your house--you wouldn't actively choose it based on price, and you don't seek out the grocery store for it's own sake, but it's only a five minute drive away so you go there anyway. And the third type of business is the strongest--when you want the specific product itself. You don't just want shoes--you want Nike shoes. You don't just want soda--you want something sold through Coca-Cola, Pepsi, or Dr. Pepper. You don't just want acetaminophen--you want Johnson & Johnson's Tylenol. Using our Dick's Sporting Goods example, you can see that the profits are built on convenience. People don't want Nike shoes because they bought them at Dick's Sporting Goods; they buy them at Dick's Sporting Goods because that is the most convenient way to get Nike shoes with the immediate knowledge that they fit. This is the type of business model that is the most vulnerable to disruption. It doesn't mean that you shouldn't buy Dick's Sporting Goods--the current price around $47 per share does offer some protection, but it's the kind of company that you may not want to hold beyond five years. A quick 40% pop, or the spotting of a branded company with a similar valuation to Dick's, is enough justification to get out of the company because firms built on convenience exclusively are not inherently meant to be lifetime holdings. This observation usually leads to a follow-up like: So what do you do if you own Wal-Mart stock? There are three things that Wal-Mart has going for it that might distinguish from an investment in a firm like Dick's Sporting Goods. It sells products that don't face competition from the branded source; it has the additional benefit of cost advantages in addition to convenience advantages; and the firm is 50% owned by the Walton family which reduces the inherent conflict of self-interests that exists in a corporation where there is a disunity between management and shareholders. Although Wal-Mart faces convenient and price competition from Amazon, and in some instances, Aldi and Kroger, it still offers enough of a price advantage on a decent number of offerings that it may be the preferred choice of customers not only because it is close by but also because you want to see the oranges and bananas before you buy them and there's probably not a better price if you look elsewhere either. The Wal-Mart business model isn't just built on convenience; it's built on the mixture of cost and convenience. Also, anytime you buy stock in a company, you also face the disadvantage of not fully knowing what's going on inside the company. When you buy a few hundred or a few thousand shares of a billion-dollar corporation, you can't quite measure the management team's survivalist instinct and know the specifics of how that instinct (if it exists) translates into a sound strategy that will serve shareholders well. With the Walton family collectively owning over $100 billion of the company's $214 billion in market value, you can strongly presume that the survivalist instinct exists at the management level (because the Walton family's control of the board permits them to choose officers) so the only unknown is whether the survivalist instinct translates into a strategy that permits shareholders to prosper. It's one set of unknowns instead of a double set of unknowns. The most straightforward way to solve this problem--recognizing that Wal-Mart has a strong cost and convenience advantage but unsure whether it is built to withstand the decades--is to take your Wal-Mart dividends if Wal-Mart is a meaningful position you hold and then invest them in companies that more clearly have generational-holding characteristics. If the Wal-Mart business model is only meant to grow earnings for 23 more years, well, you get at least 92 dividend payments to mitigate that final outcome. But if you're trying to figure out what should be your investing north star for the next two decades, and have concerns about the rate of disruption brought about by technological change, then you should focus on companies where people seek it out to specifically acquire the products that they sell. Strong brands should be your first priority, and can easily fill two thirds of a portfolio. Then, you focus on the low-cost producers in an industry that have some type of cost advantage--companies with the GEICO, Wells Fargo, U.S. Bancorp, Exxon business model. That can take up anywhere from 10% to 30% of your selections. And lastly, you should aim to keep less than 10% of your wealth that is earmarked for long-term business ownership towards those companies that are exclusively about convenience. Those are the businesses most susceptible to shareholder wipeout, and therefore, should be a disfavored investment category.
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