Saturday, 16 February 2008


Are you an excellent undergraduate student who combines leadership
skills with strong analytical capabilities?

And do you expect to graduate in 2008 or 2009?


The European Financial Leadership Seminar will expose
you to a real life business case study, which challenges
you to develop strategies and drive decisions together
with top students from all over the world.

GENEVA, MAY 4TH - 9TH, 2008
Application deadline: February 24th, 2008
For more details and online applications:

Please note the following:

Multiple applications will be rejected
Applicants will have to go through the P&G recruiting process
Candidates who have written a P&G test in te last 12 months
need not apply.



Buying a 'Piece of the Pie'

Companies need capital, or invested money, to operate successfully. When a company prospers and requires a large amount of capital, its management may choose to offer shares of its stock to the public. One guide to the stock market illustrates it this way: "Stocks are pieces of the corporate pie. When you buy stocks, or shares, you own a slice of the company."

Invest Wisely

The apparent ease of trading stocks on-line and gaining access to information previously reserved for brokers and professional traders has prompted many individual investors to take up day trading, the buying and selling of stocks full-time. Some have given up lucrative careers to become day traders. Why? "The allure is obvious," explains Money magazine. "No bosses, complete control over how and when you trade and the potential—or so it seems—to make a lot of money." One 35-year-old man who quit his $200,000-a-year job to trade stocks at home is quoted as saying: "How else can you have no inventory and no employees, pay no rent, tap-tap-tap on a keyboard and make a living?"

Experts warn that trading stocks is not as easy as it may seem to a new investor. One psychiatrist who specializes in the stresses of trading observes: "Trading seems deceptively easy, but I like to say that it's the hardest way to make an easy dollar." The endless stream of financial news and advice has not come without side effects. Paul Farrell, quoted earlier, notes: "The relentless thrust of information racing at lightning speed at the individual players—both the individual investor and the institutional trader—is having a major psychological impact: rattled nerves, frustrations, stress."

Overconfidence can also be a snare. Financial columnist Jane Bryant Quinn warns of dangerous attitudes among traders: "You think that if you're at the helm—or at the mouse—bad things can't happen. You'll always be able to intervene in time." She adds: "Because we can access information used by pros, we start to think that we're pros, too." Despite the widely publicized stories of investors who have become rich overnight on the stock market, the trading of stocks carries inherent risks. Some investors have been very successful. Others have suffered significant losses.

Corporate Lottery?
In view of the risks associated with the stock market, is buying stock the same as gambling? A measure of risk is involved in nearly all financial investments. Some people buy real estate, not knowing if the value of a property will increase or decrease over time. Others deposit their money in a bank, trusting that their savings will be secure. While the stock market is more complicated, simply put, one who invests in stocks buys the shares of a company in the hope that the enterprise will prosper and the stocks will increase in value.

Such an investment differs from gambling because the stockholder has purchased part of a company. These shares may be sold to another person or saved in the hope of future growth. This cannot be said of a person who bets money at a casino or on a game of chance. Against the odds, the gambler seeks to predict an uncertain outcome and win the loser or losers' stakes.


"It creates appetites that should not exist, it stimulates cravings that should never be satisfied."—Tony Parsons, columnist.

JOHN never intended to become addicted to 'Internet sex.'* Like many other people who are accidentally exposed to pornography and sex chat rooms, he was using the Internet one day when he stumbled upon a site offering such chat rooms. Soon, he was completely absorbed in cybersex. "I would wait for my wife to go to work," he remembers, "hop out of bed and spend hours in front of the computer."

During marathon sessions, he would not even stop to eat or drink. "I had no awareness of [being] hungry," he says. He began to lie to his wife about his secret activities. It started to affect his concentration at work, and he became more and more paranoid. His marriage began to suffer, and when he finally arranged to meet one of his cybersex partners in real life, his wife became aware of it. Today John is being treated for his addiction.

Antipornography activists point to stories like this as proof of the degrading effects of pornography. It destroys relationships, they claim, demeans women, abuses children, and engenders a perverted and harmful view of sex. On the other hand, supporters defend pornography as free expression and view the detractors as prudish. "People should not be ashamed of their sexual orientation or desires," writes one proponent. "Pornography can be used to start and stimulate open discussions about sex."

A few even suggest that the proliferation of pornography is the hallmark of an open, healthy society. "A society mature enough to cope with the explicit depiction of sex between consenting adults is likely to be one comfortable with sexual diversity and women's equality," says writer Brian McNair.

Does society's ambivalence make pornography acceptable? Why is it so widespread? Is pornography really a dangerous pursuit?


ONE morning in the late 1960's, six-year-old Danjuma approached his father and insisted that he be given the cuts that Igala citizens wore on their faces with pride. Danjuma felt that he could no longer endure the ridicule of his schoolmates who taunted him for not having the facial marks. Though the cuts were usually administered to Igala infants too young to dread the operation, the boys viewed the marks as a sign of bravery. They regarded those without them as cowards who could not face the knife.

Until then, Danjuma's father had resisted giving his son the facial marks. But that morning, pressured by his son's determination to prove his bravery, he took a knife and made three deep horizontal cuts on each side of the boy's face, slightly above the corners of his mouth.

Danjuma's father knew that the real significance of the cuts had little to do with courage. Instead, the cuts would heal into scars of identification. They would be a permanent 'identity card' that could be neither lost nor forged. They would make his son instantly recognizable to his kinsmen, qualifying him for the rights and privileges of an Igala citizen. But the marks would also set him apart from the more than 250 other ethnic groups in Nigeria.

Should facial marks be [outlawed] made illegal in Nigeria?


Your Name:

Your Address:

Your Telephone Number and E-Mail Address:

Objective: Seeking entry-level position in manufacturing.

Education: Graduated from Hometown High School, 2004.

Courses: Language skills, mathematics, computers, woodworking class.

Skills and Abilities: Work well with my hands. Regularly service the family car. Made wooden chairs and a table in my home workshop. Enjoy using my math skills while making furniture. Installed roofing material on a volunteer building project. Can use most types of computers and enjoy learning new programs.

Personal Information: Reliable—missed only two days of school in senior year. Honest—returned a lost wallet that contained money. Friendly—regularly engage in volunteer work in the community and enjoy assisting the elderly. Athletics—love playing basketball. Hobbies—enjoy repairing automobiles and woodworking.

References: Available on request.*
* Reference contacts could include a schoolteacher who knows you well or a family friend who runs a business. By making these names available on request, you can get an early indication that a prospective employer may be interested in hiring you. Be sure to obtain the permission of those you list as references.


One of the largest online employment Web sites in the United States has 17 million résumés listed for potential employers to peruse and some 800,000 jobs listed for the unemployed to consider. Surveys indicate that up to 96 percent of people in some countries search for jobs using the Internet. However, research compiled among professionals from 40 countries shows that only 5 percent of the job seekers among them actually find work through this medium.

Posting your résumé online increases the number of potential employers who know you are looking for a job, but caution is in order. It also increases your chances of becoming a victim of fraud. To protect yourself from this fate, industry experts provide the following advice:

1. Read the privacy policy of an online employment agency before you post your résumé with them. Some job sites sell your personal details to mass-market companies or other interested parties.

2. Post your résumé with only a handful of reputable online job sites. It is vital to protect your personal information to prevent its being misused. Your résumé should never contain the information a thief would need to steal your identity and cause you endless financial trouble. Legitimate employers do not need to know your bank account number, credit card number, or exact date of birth.

3. Beware of vague job offers. Pam Dixon, a researcher with the World Privacy Forum, says that the more general the offer, the less valid it usually is. “Vague wording like ‘We have thousands of jobs’ or ‘We work with major companies’ is a red flag,” she states, adding: “Requests to send in a new copy of your résumé can spell trouble, too.”

Remember, even the most reputable online job sites cannot control what happens to your résumé once it has been downloaded by a potential employer or other interested party.



What is involved in preparing for an interview? You may want to research the company you hope to work for. The more you know about the company, the better the impression you will make during the interview. Your research will also help you determine whether the company really has the kind of work you want or is one you want to work for.

Next, think about what you will wear to the interview. If the job you seek involves manual labor, wear appropriate neat, clean clothing. Neat dress and grooming tell the prospective employer that you take pride in yourself and are thus more likely to take pride in your work. If you are hoping to work in an office, choose modest clothing that is considered suitable business attire where you live. Nigel says: “Choose your clothes long before you are due to attend your interview so that you don’t feel rushed and unnecessarily increase your levels of stress prior to the interview.”

Nigel also recommends arriving for your interview about 15 minutes early. Of course, arriving too early is not wise. But arriving late could be disastrous. Experts say that the first three seconds of your interview are crucial. During that brief time, the interviewer makes assessments about your appearance and your bearing that deeply influence his or her opinion of you. If you are late, you will make an overwhelmingly negative impression. Remember, there are no second chances to rectify first impressions.

Remember, too, that the interviewer is not your enemy. After all, he likely had to apply for his job, so he knows how you feel. In fact, he may be nervous, since he may have received little or no training on how to conduct an interview. In addition, if the interviewer is the employer, he may have much to lose if he chooses the wrong person for the job.

During the interview, concentrate on what the employer needs from you and what you have to offer. Regarding things to avoid, Nigel says: “Don’t fidget or slouch—good posture conveys confidence. Don’t be too informal or overly talkative, and definitely do not use profanity. Also, avoid being negative about your former employers and workmates—if you are negative about them, the interviewer will likely feel you will be negative about this job too.”

Regarding things to do and say during the interview, experts recommend the following: Maintain eye contact with the interviewer, use natural gestures when you speak, and articulate clearly. Be concise and honest when answering questions, and ask relevant questions about the company and the prospective job. At the end of the interview, if you still want the job, ask for it. Doing so will show your enthusiasm.
By following the suggestions outlined, you may soon have a job.



For those applying for executive positions, compiling and distributing a professional résumé is a must.* But no matter what job you seek, a well-prepared résumé can be a great asset. “A résumé tells potential employers not only who you are but also what you have accomplished and why they need you,” says Nigel, an employment consultant in Australia.

How do you compile a résumé? Provide your full name, address, phone number, and e-mail address. State your objective. List the education you have received, highlighting any training and skills that relate to the job you are seeking. Provide details of previous work experience. Include not only what you did but also examples of the goals you reached and the benefits you brought to your previous employers.

Also highlight aspects of your previous employment that qualify you for the job you are currently seeking. Include personal information that describes your qualities, interests, and hobbies. Because companies’ needs differ, you may have to adjust your résumé for each application.

Should you produce a résumé if you are applying for your first job? Yes! There may be many things you have done that qualify as work experience. For example, do you have hobbies, such as woodworking or perhaps fixing up old cars? These can be listed. Have you engaged in any volunteer work? List the type of volunteer work you have done and the goals you have achieved.

Preparing a résumé will help you feel more in control as you search for work. Nigel, mentioned earlier, says: “Writing a résumé helps you organize your thoughts and goals. It also builds your confidence by helping you prepare for potential questions you may be asked during a job interview.”



To increase your chances of finding work, you must be adaptable. Jaime, mentioned in the preceding article, observes: “It is unlikely that you will find a job that has everything you hope for. You need to learn to be content with employment that is less than ideal.”

Being adaptable may mean overcoming prejudice against certain types of work. Consider Ericka, who lives in Mexico. Trained as an executive secretary, she was initially unable to find the kind of work she preferred. “I learned to accept any suitable work,” she says. “For a while I worked as a sales assistant. I also sold tacos on the street and cleaned houses. Eventually, I was able to find a job in my field of expertise.”

When Mary, mentioned in the preceding article, lost her job as a clerk, she too saw the need to be adaptable. She explains: “I wasn’t adamant about finding the same type of work I had been doing. I followed up each job opportunity that came along, even if it involved what some might consider menial work. As a result, I was able to find work to support my two children.”



The fisherman with the largest net is the one most likely to catch fish. So, too, your knowing how to increase the size of your “net” will improve your chances of landing a job. If you are looking for work only by responding to newspaper or Internet advertisements, the majority of available jobs may be slipping past your net. A good number of jobs are never advertised. How can you gain access to this hidden job market?

In addition to responding to advertisements, like Katharina you must set aside time each week to call on businesses that you think may have jobs you can do. Do not wait for them to advertise positions. If a manager says that he has no work, ask him if he knows where else you might look and specifically to whom you should speak. If he offers a suggestion, make an appointment with that company, stating the name of the person who referred you.

You can ask your friends, family, and other associates to help you access the hidden job market. This is how Jacobus, a safety officer in South Africa, found a job. He says: “When the company I worked for went out of business, I let friends and family know that I was looking for work. One day a friend of mine overheard a conversation while in line at a supermarket. One woman was asking another if she knew of anyone looking for work. My friend interrupted and told the woman about me. An appointment was arranged, and I got the job.”


WHO obtains the best job? Is it always the most qualified applicant? “No,” says Brian, an employment consultant. “The job often goes to the most effective job seeker.” What can you do to become a more effective job seeker? Let us consider five suggestions.

If you have lost a good job or have been unemployed for some time, it is easy to become downhearted. “When I first lost my job, I was optimistic about finding another one,” says Katharina, a dressmaker in Germany. “But as the months dragged on and I was unable to find work, I became depressed. Eventually, I even found it hard to talk about the subject with my friends.”

How can you counteract feelings of hopelessness? “It is crucial that you establish your own ‘workday’ schedule so that you start your day knowing what is to be done,” suggests the book Get a Job in 30 Days or Less. The authors recommend that you “set daily goals and record what you have done.” In addition, they say that “each day must start with your getting dressed for work.” Why? “Being dressed properly will give you added confidence even when talking on the telephone.”

Yes, you must make it your job to find a job, no matter how long it takes. Katharina, mentioned earlier, adopted this businesslike approach. She says: “I obtained the addresses and phone numbers of prospective employers from the employment office. I responded to newspaper ads. I studied the phone book and made lists of companies that might have jobs that were not yet advertised, and then I contacted them. I also compiled a résumé and sent it to these companies.” After such systematic searching, Katharina found a suitable job.

culled from awake!


1. Pyramid schemes: These often masquerade as opportunities to make a lot of money with little work and cash outlay. One scheme offers you a computer or some other electronic item if you pay to join a club and then recruit other participants. Another variation is the chain letter. Chain letters are almost always illegal. Most of those who invest in them lose their money.
2. Work-at-home schemes: In one form of this scam, you are offered the opportunity to assemble such things as jewelry, toys, or craft kits. You invest money in the materials and time in assembling the product, only to find that your work cannot be sold to the promoters because it does not meet their standards.
3. Health and diet scams: Flooding the Internet are offers of such things as pills that help you lose weight without exercising or dieting, cures for impotence, and creams to counter hair loss. These offers are sometimes accompanied by testimonials from satisfied customers. Common phrases that appear in these ads include expressions such as “scientific breakthrough,” “miraculous cure,” “secret formula,” and “ancient ingredient.” The truth is, most of these products don’t work.
4. Investment opportunities: These schemes typically offer high rates of return with little or no risk. A common version involves investment in an offshore bank. Investors are lured by assurances that those handling their money have high-level financial connections and possess inside information.
5. Credit repair: These scams offer to remove negative information from your credit file so you can qualify for a credit card, an auto loan, or a job. Despite the assurances, promoters can’t do what they promise.
6. Vacation prize promotions: You receive an E-mail congratulating you on winning a vacation opportunity for a rock-bottom price. Some say that you have been specially selected. Keep in mind that the same notice may have gone out to millions of others and that the accommodation you receive will offer far less than what was advertised.
Source: U.S. Federal Trade Commission


CHARISMATIC and soft-spoken, Wayne seemed to be exactly what Karen was looking for in a husband. “He was everything I had ever prayed and hoped for,” said Karen. “Everyone who saw us thought we were just perfect together. He made out that he idolized the ground I walked on.”

There was a problem, however. Wayne told Karen that he was third in charge of the Australian Secret Intelligence Organization. He wanted to resign, but they would not permit that. He knew too much. They would kill him! Together the couple worked out a plan. They would marry, pool their assets, leave Australia, and flee to Canada. Karen sold her home along with everything she owned and entrusted the money to Wayne.

The wedding took place as planned. Wayne fled the country, but Karen was left behind, abandoned, with less than six dollars in the bank. She soon learned that she had been caught in a web of elaborate lies woven for the sole purpose of defrauding her. Like an actor, Wayne had assumed a role—a role tailor-made to appeal to her.

His background, his interests, his personality, and his professed love for her were fabrications to win her trust—a trust that cost her more than $200,000. A police officer stated: “She’s been emotionally raped. You put the money aside—it’s just incredible how much hurt can be done to a person.”

Does the above sound far-fetched? Far from it! You may fall for such
Situation; but you are likely to fall for similar ones. Check yourself before you wreck yourself!


HOW can you improve your life and find success in the pursuit of love and money? Many people look to astrology for the answer. Every day millions consult newspaper horoscopes in the hope of improving their prospects. Even world leaders have been known to guide their decisions by the stars.

Is astrology trustworthy? How do astrologers make their predictions? Should Christians allow celestial bodies to determine how they live?
What Is Astrology?

According to The World Book Encyclopedia, astrology “is based on the belief that the heavenly bodies form patterns that can reveal a person’s character or future.” Astrologers claim that the precise positions of the planets and the signs of the zodiac at the time of a person’s birth can influence his life course.* The position of these heavenly bodies at any given moment is called a horoscope.

Belief in astrology is ancient. Some four thousand years ago, the Babylonians began to predict the future according to the positions of the sun, the moon, and the five most visible planets. They claimed that these heavenly bodies exerted certain forces that affected human behavior. Later they incorporated the signs of the zodiac into their predictions.


"GOD is the name commonly given to the ultimate source and power of the universe and the subject of religious devotion," says The Encyclopedia Americana. A dictionary defines the term "God" as "the supreme or ultimate reality." What is the nature of such an awesome reality?
Is God an impersonal force or a real person? Does he have a name? Is he a triune entity, a Trinity, as many believe?
An Impersonal Force or a Real Person?
Many who believe in God think of him as a force, not as a person. In certain cultures, for example, gods have been identified with the forces of nature. Some who have examined evidence gathered through scientific research into the structure of the universe and the nature of life on earth have concluded that there has to be a First Cause. Nevertheless, they hesitate to attach a personality to this Cause.

Who do you think God is?


Smart man + smart woman == romance
Smart man + dumb woman == affair
Dumb man + smart woman == marriage
Dumb man + dumb woman == pregnancy

Smart boss + smart employee == profit
Smart boss + dumb employee == production
Dumb boss + smart employee == promotion
Dumb boss + dumb employee == overtime

A man will pay $2 for a $1 item he needs.
A woman will pay $1 for a $2 item that she doesn't need.
A woman worries about the future until she gets a husband.
A man never worries about the future until he gets a wife.
A successful man is one who makes more money than his wife can spend.
A successful woman is one who can find such a man.

To be happy with a man, you must understand him a lot and love him a little.
To be happy with a woman, you must love her a lot and not try to understand her at all.

Married men live longer than single men do, but married men are a lot more willing to die.
A woman marries a man expecting he will change, but he doesn't.
A man marries a woman expecting that she won't change, and she does.

A woman has the last word in any argument.
Anything a man says after that is the beginning of a new argument.

Old aunts used to come up to me at weddings, poking me in the ribs and cackling, telling me, "You're next." They stopped after I started doing the same thing to them at funerals.


Courtesy of: