Financial Consulting Quotes

A manager’s emotional commitment is the ultimate trigger for their discretionary effort, worth more than financial, intellectual & physical commitment combined.

Careful now: even a financially rewarding, intellectually stimulating work environment isn’t the same as living your own values.

I had let it all grow. I had supposed It was all OK. Your life Was a liner I voyaged in. Costly education had fitted you out. Financiers and committees and consultants Effaced themselves in the gleam of your finish. You trembled with the new life of those engines. That first morning, Before your first class at College, you sat there Sipping coffee. Now I know, as I did not, What eyes waited at the back of the class To check your first professional performance Against their expectations. What assessors Waited to see you justify the cost And redeem their gamble. What a furnace Of eyes waited to prove your metal. I watched The strange dummy stiffness, the misery, Of your blue flannel suit, its straitjacket, ugly Half-approximation to your idea Of the properties you hoped to ease into, And your horror in it. And the tanned Almost green undertinge of your face Shrunk to its wick, your scar lumpish, your plaited Head pathetically tiny. You waited, Knowing yourself helpless in the tweezers Of the life that judges you, and I saw The flayed nerve, the unhealable face-wound Which was all you had for courage. I saw that what you gripped, as you sipped, Were terrors that killed you once already. Now I see, I saw, sitting, the lonely Girl who was going to die. That blue suit. A mad, execution uniform, Survived your sentence. But then I sat, stilled, Unable to fathom what stilled you As I looked at you, as I am stilled Permanently now, permanently Bending so briefly at your open coffin.

The financial sector provides ample rewards for those who agree with them: lucrative consultancies, research grants, and the like. The documentary raises a question: Could this have influenced some economists’ judgments?

The European Parliament responded by focusing on corporate governance. If corporations wanted to be legal citizens they could damned well shoulder the responsibilities of good citizenship as well as the benefits. Social as well as financial audits were the order of the day. Directives outlining standards for corporate citizenship were drafted and a lucrative niche for a new generation of management consultants emerged - those who could look at an organization and sound a warning if its structure rewarded pathological behaviour.

Change is inevitable but progress is truly optional.

Don’t always believe the advice of financial adviser / intermediary consultant because they might have misguided you to sale their product. You chose your product according to your needs.

The guilt of moving on seeps into my life every time I do something I thought I couldn’t do without you. Every time I make a financial decision, I take over your job. Every time I fix the washing machine, choose a wallpaper without consulting you, I feel guilty. How dare I function without you! What could you have possibly meant to me if I can function without you? Much less, function well. Every so often I’m overwhelmed with the decisions. In those moments I hate you for leaving me. But I am stronger now, and I like being strong. And for this, I feel guilty. When can I stop proving that I loved you? When will I stop believing that loving you better might have saved you?

Marx wrote about finance and industry all his life but he only knew two people connected with financial and industrial processes. One was his uncle in Holland, Lion Philips, a successful businessman who created what eventually became the vast Philips Electric Company. Uncle Philips' views on the whole capitalist process would have been well-informed and interesting, had Marx troubled to explore them. But he only once consulted him, on a technical matter of high finance, and though he visited Philips four times, these concerned purely personal mattes of family money. The other knowledgeable man was Engels himself. But Marx declined Engel's invitation to accompany him on a visit to a cotton mill, and so far as we know Marx never set foot in a mill, factory, mine or other industrial workplace in the whole of his life.

The wealthy exert a commanding influence over the state through virtually unlimited political campaign contributions, armies of lobbyists, the revolving door that shuffles former government officials into corporate jobs as consultants and lobbyists (and moves bankers into positions in financial regulatory agencies), and the aforementioned control of news and media outlets that defines both the subjects of public discourse and the range of acceptable opinion.

A manager’s emotional commitment is worth more than their financial, intellectual and physical commitment combined.

All communities require sustainable ways to make a living. Economic sustainability involves: Small-scale business, crafts, and services that create maximum diversity of economic base and a rich ecology of financial, income and job opportunities. Possibilities include cottage industries, local services, education, printing and publishing, trading, small-scale manufacturing, consulting, shops and cooperatives.

How long have you been a financial advisor? At least ten years is what you want to hear. Experience is an important factor. You want to know that the person giving you advice has been through good and bad economic times. What certificates, licenses, or accreditations do you have? Your advisor has got to be licensed to give you advice. Nobody, and I mean nobody, should be giving financial advice in any way, shape, or form if they have not taken the time to get the necessary credentials to give you that advice. At the very least, you want your advisor to have one if not more of the following certifications and licenses: ~ CERTIFIED FINANCIAL PLANNER™ (CFP®) ~ Chartered Financial Consultant (ChFC) ~ Personal Financial Specialist (PFS) ~ NAPFA-Registered Financial Advisor ~ Financial Planning Association (FPA) ~ A Series 7 license ~ A Series 6 license ~ Registered Investment Advisors License

Quite often, the discussion of purpose in an organizational setting is diluted by groupthink, as most people don’t feel comfortable giving their honest opinion, especially when doing so could impact their employment or financial status. Therefore, organizations must work to find ways to create safe environments for honest sharing and empower key stakeholders to make decisions that aren’t always popular—because to do something truly special, you must be as honest, defined, and differentiated as possible.

Maybe it’s time Steve Jobs stopped thinking quite so differently,” Business Week wrote in a story headlined “Sorry Steve, Here’s Why Apple Stores Won’t Work.” Apple’s former chief financial officer, Joseph Graziano, was quoted as saying, “Apple’s problem is it still believes the way to grow is serving caviar in a world that seems pretty content with cheese and crackers.” And the retail consultant David Goldstein declared, “I give them two years before they’re turning out the lights on a very painful and expensive mistake.

In simplest terms, you won’t be able to unlock your creative potential, achieve sustainable success, or even be fundamentally happy unless you align your internal and external worlds—unless you’re true to yourself. Therefore, to begin the journey of discovering your purpose, you must focus on what matters to you internally, not externally. And the first step in this process is to eliminate obstacles that prevent you from hearing the signal above the noise. These obstacles include things such as commercial concerns, financial motivations, comparing yourself to someone else, and other manifestations of ego.

Declan Lynch was a liar. He'd been a liar his entire life. Lies came to him fluidly, easily, instinctively. What does your father do for a living? He sells high-end sports cars in the summer, life insurance in the winter. He's an anesthesiologist. He does financial consulting for divorcees. He does advertising work for international companies in English-speaking markets. He's in the FBI. Where did he meet your mother? They were on yearbook together in high school. They were set up by friends. She took his picture at the county fair, said she wanted to keep his smile forever. Why can't Ronan come to a sleepover? He sleepwalks. Once he walked out to the road and my father had to convince a trucker who'd stopped before hitting him he was really his son. How did your mother die? Brain bleed. Rare. Genetic. Passes from mother to daughter, which is the only good thing, 'cause she only had sons. How are you doing? Fine. Good. Great. At a certain point, the truth felt worse. Truth was a closed-casket funeral attended by its estranged living relatives, Lies, Safety, Secrets. He lied to everyone. He lied to his lovers, his friends, his brothers. Well. More often he simply didn't tell his brothers the truth.

Your career is likely to bear more resemblance to that of a writer than that of an athlete or painter. You should look ahead to your forties as the time when you will be at your peak of creativity, technical proficiency, and energy, and also have enough phronesis to realize your potential. The more your field depends on good judgment that comes only from experience, the longer you can expect to sustain a high level of performance into your fifties and sixties. To put it another way: Even if you wait as late as thirty to start accumulating the fifty thousand chunks of expertise, you will still have completed that apprenticeship when you approach the peak of your other powers in your forties. So push out your time horizon and don’t get frustrated if what you hoped would be a meteoric rise proves to be more measured. You’re not failing; you’re getting better at your craft and can reasonably aspire to master it one day. In the meantime, consult Wikipedia to check on the lives of those who became conspicuously successful at a young age. Ted Sorenson? After JFK was assassinated, he had a financially successful career as an attorney and remained a participant in politics, but, like sports heroes, rock stars, and pure mathematicians, he had to turn forty knowing that his most exciting professional years were behind him. How sad. And how happy you should be that you aren’t going to be a famous presidential aide at thirty-two.

Financial deregulation, easy credit and regulatory neglect combined with the degradation of our value system to create a religion of money and of power. The achievement of infinite wealth and fame became the ultimate standard, to be achieved at any price. The junk-bond peddlers and the raiders, the speculators and the savings-and-loan hustlers with their legions of consultants, their lobbyists and their friendly politicians, turned this country into a vast casino. Crimes were committed, crimes against the entire nation. These crimes will cost hundreds of billions of dollars. They have also undermined confidence in a system that was built up over generations. The nation will need a lengthy recovery from this madness.

The relationship between humanity and work involves money, but in something of a negative correlation. The jobs and roles that are the most human and would naturally be most attractive tend to pay nothing or close to nothing. Mother, father, artist, writer, musician, coach, teacher, storyteller, nurturer, counselor, dancer, poet, philosopher, journalist—these roles often are either unpaid or pay so little that it is difficult to survive or thrive in many environments. Many of these roles have high positive social impacts that are ignored by the market. On the other hand, the most lucrative jobs tend to be the most inorganic. Corporate lawyers, technologists, financiers, traders, management consultants, and the like assume a high degree of efficiency. The more that a person can submerge one’s humanity to the logic of the marketplace, the higher the reward.

When I started my marketing company, I fell into the same trap most entrepreneurs do in the early stages of their business. Desperate for sales I created page after page on my website, offering everything and anything from logo design and email marketing to Google AdWords and SEO. It was only when I stripped all of this noise away and focused almost exclusively on Google AdWords and PPC marketing that things started to happen for me. It was easier to rank my website on Google because the whole website was optimised around specific niche keywords. It was easier to close customers, because they wanted professional PPC services and I could demonstrate with little effort that I was a PPC specialist. In most cases I didn't even need to demonstrate this point because 5 seconds spent on my website would tell the client that my whole business was Google AdWords PPC. By making it look like the only thing I specialised in was PPC consultancy, I cornered the market in every channel my services were advertised.   But

SINCE the financial crisis, it has become commonplace to argue that banks should be run as utilities, not casinos. At least in terms of their financial performance, that seems to be happening. In 2006, the eight American banks that regulators have since labelled “globally systemically important” generated casino-like profits, with returns on equity of 30% on average, according to Oliver Wyman, a consultancy. They are currently managing less than 11%, and there is worse to come: the Federal Reserve recently announced plans to oblige them to raise extra capital. By one calculation that would reduce their return on equity to little over 8%, other things being equal—a lower return than America’s water companies make. And other things are unlikely to be equal. American regulators continue to biff big banks with blistering fines. Then there is the requirement that banks produce “living wills”, explaining how they could be wound down if disaster strikes: the regulators have rejected every single “will” they have received so far as too flimsy. Making banks easier to close down will probably leave them even less profitable.

The most widely cited figure for the number of women suffering from Female Sexual Dysfunction comes from 1999: according to this, some 43 per cent of all women have a medical problem around their sex drive.27 This survey was published in the Journal of the American Medical Association (JAMA), one of the most influential journals in the world. It looked at questionnaire data asking about things like lack of desire for sex, poor lubrication, anxiety over sexual performance, and so on. If you answered ‘yes’ to any one of these questions, you were labelled as having Female Sexual Dysfunction. For the avoidance of any doubt about the influence of this paper, it has – as of a sunny evening in March 2012 – been cited 1,691 times. That is a spectacular number of citations. At the time, no financial interest was declared by the study’s authors. Six months later, after criticism in the New York Times, two of the three authors declared consulting and advisory work for Pfizer.28 The company was gearing up to launch Viagra for the female market at this time, and had lots to gain from more women being labelled as having a medical sexual problem.

As we’ve seen, one of the most frequently pursued paths for achievement-minded college seniors is to spend several years advancing professionally and getting trained and paid by an investment bank, consulting firm, or law firm. Then, the thought process goes, they can set out to do something else with some exposure and experience under their belts. People are generally not making lifelong commitments to the field in their own minds. They’re “getting some skills” and making some connections before figuring out what they really want to do. I subscribed to a version of this mind-set when I graduated from Brown. In my case, I went to law school thinking I’d practice for a few years (and pay down my law school debt) before lining up another opportunity. It’s clear why this is such an attractive approach. There are some immensely constructive things about spending several years in professional services after graduating from college. Professional service firms are designed to train large groups of recruits annually, and they do so very successfully. After even just a year or two in a high-level bank or consulting firm, you emerge with a set of skills that can be applied in other contexts (financial modeling in Excel if you’re a financial analyst, PowerPoint and data organization and presentation if you’re a consultant, and editing and issue spotting if you’re a lawyer). This is very appealing to most any recent graduate who may not yet feel equipped with practical skills coming right out of college. Even more than the professional skill you gain, if you spend time at a bank, consultancy, or law firm, you will become excellent at producing world-class work. Every model, report, presentation, or contract needs to be sophisticated, well done, and error free, in large part because that’s one of the core value propositions of your organization. The people above you will push you to become more rigorous and disciplined, and your work product will improve across the board as a result. You’ll get used to dressing professionally, preparing for meetings, speaking appropriately, showing up on time, writing official correspondence, and so forth. You will be able to speak the corporate language. You’ll become accustomed to working very long hours doing detail-intensive work. These attributes are transferable to and helpful in many other contexts.

Was this luck, or was it more than that? Proving skill is difficult in venture investing because, as we have seen, it hinges on subjective judgment calls rather than objective or quantifiable metrics. If a distressed-debt hedge fund hires analysts and lawyers to scrutinize a bankrupt firm, it can learn precisely which bond is backed by which piece of collateral, and it can foresee how the bankruptcy judge is likely to rule; its profits are not lucky. Likewise, if an algorithmic hedge fund hires astrophysicists to look for patterns in markets, it may discover statistical signals that are reliably profitable. But when Perkins backed Tandem and Genentech, or when Valentine backed Atari, they could not muster the same certainty. They were investing in human founders with human combinations of brilliance and weakness. They were dealing with products and manufacturing processes that were untested and complex; they faced competitors whose behaviors could not be forecast; they were investing over long horizons. In consequence, quantifiable risks were multiplied by unquantifiable uncertainties; there were known unknowns and unknown unknowns; the bracing unpredictability of life could not be masked by neat financial models. Of course, in this environment, luck played its part. Kleiner Perkins lost money on six of the fourteen investments in its first fund. Its methods were not as fail-safe as Tandem’s computers. But Perkins and Valentine were not merely lucky. Just as Arthur Rock embraced methods and attitudes that put him ahead of ARD and the Small Business Investment Companies in the 1960s, so the leading figures of the 1970s had an edge over their competitors. Perkins and Valentine had been managers at leading Valley companies; they knew how to be hands-on; and their contributions to the success of their portfolio companies were obvious. It was Perkins who brought in the early consultants to eliminate the white-hot risks at Tandem, and Perkins who pressed Swanson to contract Genentech’s research out to existing laboratories. Similarly, it was Valentine who drove Atari to focus on Home Pong and to ally itself with Sears, and Valentine who arranged for Warner Communications to buy the company. Early risk elimination plus stage-by-stage financing worked wonders for all three companies. Skeptical observers have sometimes asked whether venture capitalists create innovation or whether they merely show up for it. In the case of Don Valentine and Tom Perkins, there was not much passive showing up. By force of character and intellect, they stamped their will on their portfolio companies.

How lonely am I ? I am 21 year old. I wake up get ready for college. I go to the Car stop where I have a bunch of accquaintances whom I go to college with. If I'm unfortunately late to the stop, I miss the Car . But the accquaintances rarely halt the car for me. I have to phone and ask them to halt the car. In the car I don't sit beside anyone because the people I like don't like me and vice versa. I get down at college. Attend all the boring classes. I want to skip a class and enjoy with friends but I rarely do so because I don't have friends and the ones I have don't hang out with me. I often look at people around and wonder how everyone has friends and are cared for. And also wonder why I am never cared for and why I am not a priority to anyone. I reach home and rest for few minutes before my mom knocks on my door. I expect her to ask about my day. But she never does. Sometimes I blurt it out because I want to talk to people. I have a different relationship with my dad. He thinks I don't respect him and that I am an arrogant and self centered brat. I am tired of explaining him that I'm not. I am just opinionated. I gave up. Neither my parents nor my sis or bro ask me about my life and rarely share theirs. I do have a best friend who always messages and phones when she has something to say. That would mostly be about his girlfriend . But at times even though I try not to message him of my life. I do. I message him about how lonely I am. I always wanted a guy or a girl best friend. But he or she rarely talk to me. The girl who talk are extremely repulsive or very creepy. And I have a girl who made me believe that I was special for her.She was the only person who made me feel that way. I knew and still know that she is just toying with me. Yet I hope that's not true. I want to be happy and experience things like every normal person. But it seems impossible. And I am tired of being lonely. I once messaged a popular quoran. I complimented him answers and he replied. When I asked him if I can message him and asked him to be my friend he saw the message and chose not to reply. A reply, even a rejection is better than getting ignored. A humble request to people on Quora. For those who advertise to message them regarding any issue should stop doing that if they can't even reply. And for those who follow them. Don't blindly believe people on Quora or IRL Everyone has a mask. I feel very depressed at times and I want to consult a doctor. But I am not financially independent. My family doesn't take me seriously when I tell them I want to visit a doctor. And this is my lonely life. I just wish I had some body who cared for me and to stand by me. I don't know if that is possible. I stared to hate myself. If this continues on maybe I'll be drowning in the river of self hate and depreciation. Still I have hope. Hope is the only thing I have. I want my life to change. If you read the complete answer then, THANKS for your patience. People don't have that these days.

THE BLUE FLANNEL SUIT" I had let it all grow. I had supposed It was all OK. Your life Was a liner I voyaged in. Costly education had fitted you out. Financiers and committees and consultants Effaced themselves in the gleam of your finish. You trembled with the new life of those engines. That first morning, Before your first class at College, you sat there Sipping coffee. Now I know, as I did not, What eyes waited at the back of the class To check your first professional performance Against their expectations. What assessors Waited to see you justify the cost And redeem their gamble. What a furnace Of eyes waited to prove your metal. I watched The strange dummy stiffness, the misery, Of your blue flannel suit, its straitjacket, ugly Half-approximation to your idea Of the properties you hoped to ease into, And your horror in it. And the tanned Almost green undertinge of your face Shrunk to its wick, your scar lumpish, your plaited Head pathetically tiny. You waited, Knowing yourself helpless in the tweezers Of the life that judges you, and I saw The flayed nerve, the unhealable face-wound Which was all you had for courage. I saw that what you gripped, as you sipped, Were terrors that killed you once already. Now I see, I saw, sitting, the lonely Girl who was going to die. That blue suit, A mad, execution uniform, Survived your sentence. But then I sat, stilled, Unable to fathom what stilled you As I looked at you, as I am stilled Permanently now, permanently Bending so briefly at your open coffin.

fulfill our mission with the Rational ApproachTM, a comprehensive softwareengineering solution consisting of three elements: • A configurable set of processes and techniques for the development of software, based on iterative development, object modeling, and an architectural approach to software reuse. • An integrated family of application construction tools that automate the Rational Approach throughout the software lifecycle. • Technical consulting services delivered by our worldwide field organization of software engineers and technical sales professionals. Our customers include businesses in the Asia/Pacific region, Europe, and North America that are leaders in leveraging semiconductor, communications, and software technologies to achieve their business objectives. We serve customers in a diverse range of industries, such as telecommunications, banking and financial services, manufacturing, transportation, aerospace, and defense.They construct software applications for a wide range of platforms, from microprocessors embedded in telephone switching systems to enterprisewide information systems running on company-specific intranets. Rational Software Corporation is traded on the NASDAQ system under the symbol RATL.1

In 1988 two consultants, Jim Rosenthal and Juan Ocampo, wrote Securitization of Credit, a road map that helped Citibank and Chase Manhattan survive the South American debt crisis. The book, the first on a subject that soon washed over the financial world like a tsunami, showed the banks, unable to earn their way out of their bad debt situation, that by securitizing the loans on their books—packaging them up and selling them into the secondary debt markets—they could effectively walk away from the loans, albeit while still taking a hit to their balance sheets.

But that was thirteen years ago. Today, the crème de la crème flock to younger, more vibrant companies, in both entry-level and much higher positions. The brightest students tend to not want to work for large companies anymore, and McKinsey is a large company. In the 1970s every smart student received an offer from Arthur Andersen, then about ten thousand strong. The more adventurous went to McKinsey, which employed a paltry four hundred by comparison. Today Arthur Andersen is gone, and McKinsey has taken its place in the student imagination. It’s for the average Harvard Business School graduate, not the Baker scholars. And, as has always been the case, McKinsey consultants continue to leave for big positions elsewhere. Among others, Facebook chief operating officer Sheryl Sandberg is a McKinsey alumnus, as is Google chief financial officer Patrick Pichette. McKinsey may be a career firm for some, but it tends to lose its best people.

Enron. One: The firm endorsed Enron’s asset-light strategy. In a 1997 edition of the Quarterly, consultants wrote that “Enron was not distinctive at building and operating power stations, but it didn’t matter; these skills could be contracted out. Rather, it was good at negotiating contracts, financing, and government guarantee—precisely the skills that distinguished successful players.” Two: The firm endorsed Enron’s “loose-tight” culture. Or, more precisely, McKinsey endorsed Enron’s use of a term that came straight out of In Search of Excellence. In a 1998 Quarterly, the consultants peripherally praised Enron’s culture of “[allowing executives] to make decisions without seeking constant approval from above; a clear link between daily activities and business results (even if not a P&L); something new to work on as often as possible.” Three: The firm endorsed Enron’s use of off–balance-sheet financing. In that same 1997 Quarterly, the consultants wrote that “the deployment of off–balance-sheet funds using institutional investment money fostered [Enron’s] securitization skills and granted it access to capital at below the hurdle rates of major oil companies.” McKinsey heavyweight Lowell Bryan—godfather of the firm’s financial institutions practice—put it another way: “Securitization’s potential is great because it removes capital and balance sheets as constraints on growth.” Four: The firm endorsed Enron’s approach to “atomization.” In a 2001 Quarterly, the consultants wrote: “Enron has built a reputation as one of the world’s most innovative companies by attacking and atomizing traditional industry structures—first in natural gas and later in such diverse businesses as electric power, Internet bandwidth, and pulp and paper. In each case, Enron focused on the business sliver of intermediation while avoiding the incumbency problems created by a large asset base and vertical integration.

Wendy sat in my o ice, perched on the edge of her chair, alert, inquisitive, and a little bit embarrassed. An experienced and highly successful real estate agent, she had come to me for a financial consultation—and the facts of her situation were hardly reassuring. Although she earned well over $250,000 a year and was able to put two kids through private school at an annual cost of $15,000 each, her personal finances were a mess. A self-employed single parent, she had less than $25,000 saved for retirement, no life or disability insurance, and never bothered to write a will. In short, this intelligent, ambitious businesswoman was completely unprotected from the unexpected and utterly unprepared for the future. When I asked Wendy why she had never done any financial planning, she shrugged and o ered a response I'd heard countless times before: “I've always been too busy working to focus on what to do with the money I make.

Mom,” I said, “do you know where the family money is?” I thought it would be an easy question. After all, my father was a successful financial consultant and stockbroker who taught investment classes three nights a week. My mother had to be up to speed on the family finances. At first, however, she didn't reply. Then she squirmed slightly in her chair. “Of course I know where our money is,” she finally said. “Your father manages it.” “ But where is it? Do you know where he's got it invested?” “ Well, no, I don't. Your father handles all that.” “ But don't you have your own accounts, your own line of credit?” My mother laughed. “David,” she said, “what do I need a line of credit for? I have the best bank in the world—your father.

ABOUT THE AUTHOR Charles Ferguson won an Oscar in 2011 for Inside Job, his documentary on the financial crisis, and was an Oscar nominee for his first documentary, No End In Sight, on the war in Iraq. He is a graduate of the University of California at Berkeley, holds a PhD in Political Science from MIT, and has been a technology policy consultant to the White House and the Office of the US Trade Representative, as well as to leading technology companies including Apple, IBM, and Texas Instruments. He was the co-founder of Vermeer Technologies, which invented the web tool Front Page, later sold to Microsoft. A former visiting scholar at MIT and Berkeley, he has also been a senior fellow at the Brookings Institution in Washington, DC. He has written four books, and is a life member of the Council of Foreign Relations and a director of the French-American Foundation.

o n o f R a t i o n a l S o f t w a r e C o r p o r a t i o n i s t o e n s u r e t h e s u c c e s s o f c u s t o m e r s c o n s t r u c t i n g t h e s o f t w a r e s y s t e m s t h a t t h e y d e p e n d o n . We enable our customers to achieve their business objectives by turning software into a source of competitive advantage, speeding time-to-market, reducing the risk of failure, and improving software quality. We fulfill our mission with the Rational ApproachTM, a comprehensive softwareengineering solution consisting of three elements: • A configurable set of processes and techniques for the development of software, based on iterative development, object modeling, and an architectural approach to software reuse. • An integrated family of application construction tools that automate the Rational Approach throughout the software lifecycle. • Technical consulting services delivered by our worldwide field organization of software engineers and technical sales professionals. Our customers include businesses in the Asia/Pacific region, Europe, and North America that are leaders in leveraging semiconductor, communications, and software technologies to achieve their business objectives. We serve customers in a diverse range of industries, such as telecommunications, banking and financial services, manufacturing, transportation, aerospace, and defense.They construct software applications for a wide range of platforms, from microprocessors embedded in telephone switching systems to enterprisewide information systems running on company-specific intranets. Rational Software Corporation is traded on the NASDAQ system under the symbol RATL.1

methods. For instance, at Deloitte Consulting, the largest tax and financial services company in the world, employees are trained in a curriculum named “Moments That Matter,” which focuses on dealing with inflection points such as when a client complains about fees, when a colleague is fired, or when a Deloitte consultant has made a mistake. For each of those moments, there are preprogrammed routines—Get Curious, Say What No One Else Will, Apply the 5/5/5 Rule—that guide employees in how they should respond.

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Finance was the leading industry to which government opened the growth gates, as it had done previously for manufacturing, railways, suburban housing, and advanced technology. Beginning seriously in the 1980s, government deliberately, piece by piece, dismantled the regulatory structure that had tamed finance into something of a utility. And as in the past, entrepreneurs rushed in and innovated. The lucrative innovations ranged from collateralized debt obligations (CDOs—called by Warren Buffett “financial weapons of mass destruction”) and the like, on through high-speed trading (to us, a robotized cousin of front-running).4 The increase of the weight of finance in America’s GDP came about not so much by increasing the numbers of those employed in the sector, but by increasing the take of those high up in the industry. During the 1970s, average pay in finance was roughly the same as in most other industries; by 2002, it was double.5 The legions of clerks and tellers remained poorly paid; the gain went to the top, most of it to the top of the top. By 2005, finance accounted for a full 40 percent of all corporate profits. And many of the very most lucrative parts of finance—hedge funds, private equity partnerships, venture partnerships—were not structured and therefore not counted as corporations. Along with the accountants and consultants, add to this profit-making machine the Wall Street law firms that are part and parcel of finance, although they do not count as finance, but rather as business services. Finance got considerably more than 40 percent.

MODEL 2: Multiple Stakeholder Sustainability, Fons Trompenaars and Peter Woolliams (2010) PROBLEM STATEMENT How can I assess the most significant organizational dilemmas resulting from conflicting stakeholder demands and also assess organizational priorities to create sustainable performance? ESSENCE Organizational sustainability is not limited to the fashionable environmental factors such as emissions, green energy, saving scarce resources, corporate social responsibility, and so on. The future strength of an organization depends on the way leadership and management deal with the tensions between the five major entities facing any organization: efficiency of business processes, people, clients, shareholders and society. The manner in which these tensions are addressed and resolved determines the future strength and opportunities of an organization. This model proposes that sustainability can be defined as the degree to which an organization is capable of creating long-term wealth by reconciling its most important (‘golden’) dilemmas, created between these five components. From this, professors and consultants Fons Trompenaars and Peter Woolliams have identified ten dimensions consisting of dilemmas formed from these five components, because each one competes with the other four. HOW TO USE THE MODEL: The authors have developed a sustainability scan to use when making a diagnosis. This scan reveals: The major dilemmas and how people perceive the organization’s position in relation to these dilemmas; The corporate culture of an organization and their openness to the reconciliation of the major dilemmas; The competence of its leadership to reconcile these dilemmas. After the diagnosis, the organization can move on to reconciling the major dilemmas that lead to sustainable performance. To this end, the authors developed a dilemma reconciliation process. RESULTS To achieve sustainable success, organizations need to integrate the competing demands of their key stakeholders: operational processes, employees, clients, shareholders and society. By diagnosing and connecting different viewpoints and values, their research and consulting practice results in a better understanding of: The key challenges the organization faces with its various stakeholders and how to prioritize them; The extent to which leadership and management are capable of addressing the organizational dilemmas; The personal values of employees and their alignment with organizational values. These results help an organization define a corporate strategy in which crucial dilemmas are reconciled, and ensure that the company’s leadership is capable of executing the strategy sustainably. It does so while specifically addressing the company’s wealth-creating processes before the results show up in financial reports. It attempts to anticipate what the corporate financial performance will be some six months to three years in the future, as the financial effects of dilemma reconciliation are budgeted.

From a purely financial perspective, the time and energy people devote to these events can often be better spent, said Leo Arnoult, president of Arnoult & Associates, a fund-raising consulting firm and a past chairman of Giving USA, which releases an annual report on charity contributions. The money that individuals contribute to these events is small compared with the money from a charity’s largest donors, who typically contribute 60 to 70 percent of what an organization raises in a year, he said.

Why don’t I just stop training juniors? I said to myself as I angrily turned the pedals. Why don’t I just do all the operating myself? Why should I have to carry the burden of deciding whether they can operate or not when the fucking management and politicians dictate their training? I’ve got to see the patients every day on the ward anyway as the juniors are so inexperienced now – on the few occasions when they’re actually in the hospital, that is. Yes, I shall no longer train anybody, I thought with a sudden sense of relief. It’s not safe. There are so many consultants now that having to come in occasionally at night wouldn’t be a great hardship . . . The country’s massively in debt financially, why not have a massive debt of medical experience as well? Let’s have a whole new generation of ignorant doctors in the future. Fuck the future, let it look after itself, it’s not my responsibility. Fuck the management, and fuck the government and fuck the pathetic politicians and their fiddled expenses and fuck the fucking civil servants in the fucking Department of Health. Fuck everybody.

the Financial Times last month, perhaps not. The article marked a new form of employment: the nursery consultant. These people, who charge from £290 an hour, must find a nursery that will put their clients’ toddlers on the right track to an elite university.

There is no simple way to determine when and where to get help. Many factors come into play, including the child’s age, family’s financial status, insurance, knowledge of resources, religious affiliation, availability of services in community, and so on. Parents may seek outside assistance for their adopted child when other factors such as a divorce, job loss, or other stresses compound the family needs. Parents are generally in the best position to determine when to get help, but advice from relatives, family physicians, teachers, and others in a position to know the family should be carefully considered. Services for children with special needs are provided by a variety of professionals. A physician—pediatrician or the family practitioner—is usually the place to begin. Families may be referred to a neurologist for a thorough assessment and diagnosis of neurological functioning (related to cognitive or learning disabilities, seizure disorders or other central nervous system problems). For specific communication difficulties, families may consult with a speech and language therapist, while a physical therapist would develop a treatment plan to enhance motor development. A rehabilitation technologist or an occupational therapist prescribes adaptive aids or activities of daily living. Early childhood educators specializing in working with children with special needs may be called a variety of titles, including Head Start teachers, early childhood special education teacher, or early childhood specialist.

Article 5 of the Nauruan Constitution provides: (1)No person shall be deprived of his personal liberty, except as authorised by law in any of the following cases: (a) in execution of the sentence or order of a court in respect of an offence of which he has been convicted; (b) for the purpose of bringing him before a court in execution of the order of a court; (c) upon reasonable suspicion of his having committed, or being about to commit, an offence; (d) under the order of a court, for his education during any period ending not later than the thirty-first day of December after he attains the age of eighteen years; (e) under the order of a court, for his welfare during any period ending not later than the date on which he attains the age of twenty years; (f) for the purpose of preventing the spread of disease; (g) in the case of a person who is, or is reasonably suspected to be, of unsound mind or addicted to drugs or alcohol, for the purpose of his care or treatment or the protection of the community; and (h) for the purpose of preventing his unlawful entry into Nauru, or for the purpose of effecting his expulsion, extradition or other lawful removal from Nauru. (2)A person who is arrested or detained shall be informed promptly of the reasons for the arrest or detention and shall be permitted to consult in the place in which he is detained a legal representative of his own choice. (3)A person who has been arrested or detained in the circumstances referred to in paragraph (c) of clause (1) of this Article and has not been released shall be brought before a Judge or some other person holding judicial office within a period of twenty-four hours after the arrest or detention and shall not be further held in custody in connection with that offence except by order of a Judge or some other person holding judicial office. (4)Where a complaint is made to the Supreme Court that a person is unlawfully detained, the Supreme Court shall enquire into the complaint and, unless satisfied that the detention is lawful, shall order that person to be brought before it and shall release him. Detention of asylum seekers in Nauru is contrary to the Nauruan Constitution. By offering financial and personal incentives to Nauruan politicians, the Australian government has engaged in unlawful people trading. The

Dr. Al Rosen. He is a former accounting professor, one of the most reputable forensic accountants in North America. Dr. Rosen has consulted or given independent opinions on over 1,000 litigation-related engagements. In recent years he has written two books, which have sounded alarm bells about the state of the accounting profession, but the profession makes more money by not heeding his warnings. What concerns him should concern us all. His first book was titled “Swindlers” and went into detail about how easy it is to financially dupe investors in Canada and the U.S. His book gave examples from cases he has handled in his career. His second book “Easy Prey Investors” is also a must read for anyone investing in Canada or the U.S. In it he reveals the tricks and traps of the accounting industry that no others in the industry have the courage or the moral freedom to voice. The story below, from the UK, gives a snapshot and a link to the kind of accounting fraud that Dr. Al Rosen has long been warning us about. January 15, 2018 On Monday, Carillion, the U.K.’s second-largest construction company, announced that it would go into compulsory liquidation. Carillion is a construction company, it also provides facilities management and maintenance services such as cleaning and catering in the U.K.’s National Health Service hospitals, providing meals in 900 schools, and maintaining prisons. It holds a number of government contracts, including for the construction of a high-speed rail link and for the maintenance of roads. 43,000 employees worldwide, 20,000 work in the U.K.; the company also has a significant presence in the

To help burnish its image in the face of so many legal, financial, and public-relations problems, Purdue hired former New York mayor and Republican insider Rudy Giuliani and his consulting firm, Giuliani Partners. Just a few months after his lauded response to the 9/11 terrorist attacks, Giuliani’s job was to convince “public officials they could trust Purdue because they could trust him,

In this hypercompetitive media environment, editors and producers no longer have the patience—or the financial luxury—to allow journalists to develop their own expertise or deep knowledge of a subject. Nor is there any evidence that most news consumers want such detail. Experts are often reduced to sound bites or “pull quotes,” if they are consulted at all.

Your purpose is the emotional and spiritual energy that surrounds the commercial aspects of what you do; it can’t be to make a lot of money or sell a lot of widgets. While generating a significant financial return may be a result of pursuing your purpose, it can’t be why you do what you do. Money isn’t what the journey’s about. We aren’t here to survive; we’re here to self-actualize and thrive.

Jenna, you are halfway to freedom from Wayne. A few more months and you can hand him back to us, and not have to deal with him anymore. If you launch this business with him, you are locked in, day in and day out, for a minimum of four or five years. And really, can you imagine him really helping at these events? I just see him knocking over ice sculptures, and tipping over cakes, and generally being a bull in the china shop everywhere he goes. A bull on steroids. With an inner ear imbalance. On roller skates." "Enough, lawdouche, she gets it." "I know. But again, Wayne is pretty clear that his area here would be identifying and helping land clients, and consulting on thematic details and event brainstorming, and keeping up with all industry aspects of the target market." "You mean going to movies, reading comics, and playing video games." "Yep, something like that." "You can't really be thinking you are going to do this." "I can be thinking that. And I'm pretty sure that the only opinion I asked you for on this was legal ramifications and financial obligations. I don't really care about your personal opinions." "Well, that hurts my feelings, because I still care about you on a personal level, and I think this is a huge mistake for you personally." I wait for my heart to race, for the sweats to start, for my colon to twist itself into a pretzel. And when none of that happens, I look at Brian. "I think, that being the case, that perhaps you ought to speak to your partners about who might be the best attorney to work with me moving forward." "You're firing me? Because I care about you?" "I'm firing you because I need an attorney who is less personally interested in the decisions I make. I'm a big girl, and I have a dad. And clearly, this is no longer a good fit. I'll appreciate a call from the other partners by the end of the week with a plan that I can review." "Seriously, I feel like you've completely lost your mind!" "Careful, Brian. At the moment, I'm asking you be removed from my account. However uncomfortable that may be for you with your partners, I assume you would rather that, than having to explain why I'm leaving the firm entirely. And I will be advising Wayne to shift to the same person I am with, obviously, for convenience." His chiseled jaw snaps shut, and while I can see a dozen retorts on the tip of his tongue, he doesn't speak. "Thank you. I'll review this further, and will discuss my decision with my new attorney. You'll get formal word from Wayne on his choice soon, I'm sure.

I created time in my schedule as well as in that of my staff to hold follow-up consultations with our business leaders. These were one-to-two-hour-long meetings on a variety of topics, held every six weeks, and organized around presentations that were short (no more than ten pages long) and that contained up-to-date data on the business’s financial and operational performance. Our follow-up consultations forced leaders to gather and analyze data regularly throughout the year, since they now bore responsibility for reporting it to me. Strategy would no longer be a one-time annual event that everyone quickly forgot.

If you are already in a situation like this or married to and perhaps have a blended family with a person who has a narcissistic ex-partner, you need to do the same due diligence as those who themselves have a toxic ex-partner. Ensure that you document everything. Consult with an attorney on ensuring that custodial and financial matters are as clearly articulated as possible, maintaining strict boundaries, and recognizing that this is baggage that you didn’t ask for but that came as part of the new relationship

The Ultimate Guide to Student Loans by Bruce Mesnekoff With the cost of college rising and governmental/private funding declining, it is no wonder that most Americans are concerned about their ability to finance a post-secondary education. Tuition prices are rising at Community Colleges, State Schools, Private and Technical colleges, leaving most Americans wondering how they are going to afford to pay for their education. This book educates parents, grandparents, young adults and students of all ages how to optimize the educational payment process. The Ultimate Guide To Student Loans is the collaboration of two financial experts who guide you through the confusing maze of investing for education and the student loan world from beginning to end. Jordan Goodman, America’s Money Answers Man, personal finance expert and frequent guest on radio and TV shows, and Bruce Mesnekoff, CEO of The Student Loan Help Center, student loan management and consolidation expert, share their knowledge and simplify the complicated process and maze of government and private rules and regulations about student loans. They also guide you through all of your investment choices to finance college education. This book helps you understand student loans by explaining: ways to invest so that you can avoid taking on student loans in the first place the optimum ways to get the best student loans paying off your loans as quickly as possible The book provides extensive information and resources to help you no matter where you are in the student loan financing process. These resources include contact information and descriptions for: federal regulatory organizations educational associations websites loan repayment programs The book also offers an appendix with abbreviations, acronyms and a glossary of student loan related terms. Also you can consult with The Student Loan Help Center for all kind of your consolidation problems. Use this book to improve your entire educational financing experience!

The Acme Company is a provider of financial services located in Cheyenne, which has been in business for 30 years and has a capitalized market value of $800 million. The Acme buyer knows this! It’s nothing novel or new or related to the project. It’s irrelevant. Here’s an excellent situation statement: The Acme Company has traditionally attracted the best and brightest talent because of its excellent brand and relationships with top schools. However, recent bad publicity over poor financial decisions, the removal of the CEO, and loss of key contacts in top schools have made it imperative to launch an aggressive plan to acquire the best talent in the industry, both at entry and senior levels. That situation appraisal explains exactly why you’ve been talking, why the project is urgent, and what the general goals are. Take a project you’re considering, have under way, or have completed, and try writing your own situation appraisal below:

1977 Palawan Island, Philippines   Taer and Anak became our tour guides, accompanying us wherever we went. Although we did not pay for their services, we treated them to meals and paid their entrance fees to places of interest. Whenever I asked about their home and schooling schedules, they provided anomalous excuses.               The first few nights, they stayed at my hut. Since we had nothing in common besides unbridled sex, I soon grew weary of their presence. Moreover, I needed time alone, but they couldn’t bear the thought of leaving. They clung onto me as if I were their saviour.               I had no choice but to bid them to return home – and that was the straw that broke the camel’s back. They confided in me that they had run away from their dysfunctional families and were homeless before we met. They had been relying on me to provide for them. I now had a problem I hadn’t envisioned.               So, I consulted with my rowing buddies. These were their suggestions: ●       Without telling the boys, move to another part of the city. ●       Call it quits and compensate the boys with some financial aid. ●       Break off all ties with them. I ended up doing all three, but that was not the end of Taer and Anak. My saving grace was that I had not told the boys my return date to Canada. The rest of my Palawan Island vacation was spent avoiding the Filipino teenagers. More to the point, this was what transpired after my ‘Dear John’ conversation with them.

U.S. Bancorp & Capital Trust is a licensed Investment Bank and Statutory Trust specialized in assisting entrepreneurs and businesses across the world with equity investments, management consulting, financial advisory services and establishment of investment banks and capital protected private equity funds.

One Stanford op-ed in particular was picked up by the national press and inspired a website, Stop the Brain Drain, which protested the flow of talent to Wall Street. The Stanford students wrote, The financial industry’s influence over higher education is deep and multifaceted, including student choice over majors and career tracks, career development resources, faculty and course offerings, and student culture and political activism. In 2010, even after the economic crisis, the financial services industry drew a full 20 percent of Harvard graduates and over 15 percent of Stanford and MIT graduates. This represented the highest portion of any industry except consulting, and about three times more than previous generations. As the financial industry’s profits have increasingly come from complex financial products, like the collateralized debt obligations (CDOs) that ignited the 2008 financial meltdown, its demand has steadily grown for graduates with technical degrees. In 2006, the securities and commodity exchange sector employed a larger portion of scientists and engineers than semiconductor manufacturing, pharmaceuticals and telecommunications. The result has been a major reallocation of top talent into financial sector jobs, many of which are “socially useless,” as the chairman of the United Kingdom’s Financial Services Authority put it. This over-allocation reduces the supply of productive entrepreneurs and researchers and damages entrepreneurial capitalism, according to a recent Kauffman Foundation report. Many of these finance jobs contribute to volatile and counter-productive financial speculation. Indeed, Wall Street’s activities are largely dominated by speculative security trading and arbitrage instead of investment in new businesses. In 2010, 63 percent of Goldman Sachs’ revenue came from trading, compared to only 13 percent from corporate finance. Why are graduates flocking to Wall Street? Beyond the simple allure of high salaries, investment banks and hedge funds have designed an aggressive, sophisticated, and well-funded recruitment system, which often takes advantage of [a] student’s job insecurity. Moreover, elite university culture somehow still upholds finance as a “prestigious” and “savvy” career track.6

I had several friends from law school who were very enterprising guys, much more so than the average law student. They each started businesses after practicing law at large firms for multiple years. What kind of businesses did they start? They started boutique law firms. This is completely unsurprising if you think about it. They’d spent years becoming good at delivering legal services. It was a field that they understood and could compete in. Their credentials translated too. People learn from what they’re doing and do it again on their own. It’s not just lawyers; the consulting firm Bain and Company was started by seven former partners and managers from the Boston Consulting Group. Myriad boutique investment banks and hedge funds have spun out of large financial organizations. You can see the same pattern in the startup world. After PayPal was acquired by eBay in 2002, its founders and employees went on to found or cofound LinkedIn (Reid Hoffman), YouTube (Steve Chen, Jawed Karim, and Chad Hurley), Yelp (Russel Simmons and Jeremy Stoppelman), Tesla Motors (Elon Musk), SpaceX (Musk again), Yammer (David Sacks), 500 Startups (Dave McClure), and many other companies. PayPal’s CEO, Peter Thiel, famously made a $500,000 investment in Facebook that grew to over $1 billion. In this sense, PayPal is one of the most prolific companies of recent times. But if you look at any successful growth company you’ll start to see their alumni show up doing parallel things. Former Apple employees founded or cofounded Android, Palm, Nest, and Handspring, companies that revolve around devices. Former Yahoo! employees founded Ycombinator, Cloudera, Hunch.com, AppNexus, Polyvore, and many other web-oriented companies. Organizations give rise to other organizations like themselves.

8 Lending Terms That Every Entrepreneur Must Know In case you’re recently starting your chase for business financing, you’re likely new somewhere down in new terms and loaning language. Also, it’s sufficient to make even the most energetic business person feel overpowered. Try not to proceed with your inquiry without assessing a couple of the fundamental terms you have to know to settle on an educated choice about financing your business. We’ve separated eight must-know terms underneath. 1. Term credit. Term credits are a singular amount of money you pay back, in addition to enthusiasm, over a settled timeframe. Customary term credits generally offer longer installment terms and lower regularly scheduled installments than here and now advances and different types of crisis financing. Securing a term advance, nonetheless, requires a high level of financial soundness with respect to your business. In the event that your business is extremely youthful, has poor credit, or shows some other sort of hazard to your bank, you may think that its hard to secure a term advance from a customary loan specialist. 2. SBA advance. Independent company Administration advances offer much longer terms and lower costs than customary term remarkably, halfway ensured by the U.S. government. SBA credits are particularly intended to give entrepreneurs the most reasonable financing conceivable as they develop their organizations. (Prepare yourself, in any case, for a long and focused endorsement process and bunches of printed material.) 3. Credit extension. Another mainstream advance item your bank may offer is a business credit extension. This sort of financing gives a borrower spinning credit, enabling you to obtain and pay back that acquired sum again and again while remaining inside a most extreme, as you would with a charge card. Not at all like an advance, a credit extension offers you capital as required, and you’ll just pay enthusiasm on what you pull back. 4. Yearly rate. A yearly rate, or APR, is basically the yearly cost of your credit. It’s cited as a rate, similar to your financing cost, yet gives a more precise perspective of what your advance will cost you. Notwithstanding interest owed, your APR will likewise incorporate any beginning expenses, shutting charges, documentation charges, and so forth. The APR offer you get will differ from bank to moneylender, in view of the advance item you’re chasing and your history as a borrower. On the off chance that you’ve been peering toward an advance, make sure to consider its APR before pushing ahead. The credit’s aggregate yearly cost could be higher than you foreseen. 5. Pay explanation. A pay explanation points of interest your business’ net wage, income and costs for a particular period, for example, quarterly or every year. You’ll run over this term when rounding out your advance application. It’s a standout amongst the most critical segments of your application. You may likewise observe it called a “benefit and misfortune proclamation.” This record outlines your business’ monetary wellbeing and the quality of its main concern to your loan specialist. You can set up your announcement yourself or with the assistance of a bookkeeper. Wage explanations accompany their own arrangement of language, so it acquaints yourself with their vocabulary before making a plunge alone. 6. Security. Guarantee portrays any advantage you promise to a moneylender to help secure a credit. This could incorporate land, hardware, money due, stock – anything a loan specialist could sell in the event that you default. Security limits the hazard to your loan specialist should you neglect to hold up your finish of the deal. In case you’re thinking about a secured advance, hope to set up guarantee when you apply. Unsecured advances won’t require guarantee and commonly accompany less stringent credit prerequisites, yet additionally higher rates.

Diversification is a way to protect financial consultants and stock brokers from ever looking really bad, but it also stops them from looking really good as well. What happens with broad diversification—holding a portfolio of, say, fifty or more different stocks—is that the winners will be canceled out by the losers, just as the losers will be canceled out by the winners. Diversification creates a situation that basically mimics the market or an index fund. An adviser who counsels diversification never looks very good or very bad, just average.

Business Plan Writers If you need a business plan in less than a week, our consulting service can help! Our business plan consultants will create a business strategy that will impress your investors. We looked at all the best business plan writing services and compared their features and pricing. Here is our in depth comparison and recommendations. A business plan writing service is a team of business experts that take your ideas & numbers, combine it with some of their own research and produce a professional, well-formatted business plan. We looked at the 3 top business plan writing services and compared their features and pricing. From start-up guidance to operations consulting, your company can become more successful with the support of one of our business consultants. First, let our team learn more about your business and listen to your needs. Then, we’ll identify key areas of opportunity, and help you to implement the right business plan and strategy for the growth of your company. It was a good startup. It had a good idea and, much more important, a market window, differentiation and experience to make it happen. One of my first engagements in business planning was as business plan consultant to a startup with three experienced founders. I met with them several times, listened always, and did their business plan. I built the financial model, wrote the text, and produced the document as a business plan document. But I wasn’t part of the team.

Consulting Sample Business Plans If you need a first-class Business Plan, Pitch Deck, or Financial Forecast, let us help. Talk to an expert startup business plan consultant today! Our business plan consultants will create a business strategy that will impress your investors. We provide unique and affordable Business Plan Writing Solutions delivered through a high level of quality service ensuring total client satisfaction. Business Solutions Consulting (BSC) is a start-up consulting firm focused on serving the comprehensive needs of businesses in the full range of the business cycle. Consultants need business plans too! Check out these sample business plans for consultants and consulting related businesses. An outline of some of the key pieces that should be in your plan, including an executive summary, business overview, risks, financial plan, and other key sections for your consulting company business plan.

Questions on the following topics can help you identify helpful information about the company that you can then use to refine your hypothesis—and ultimately structure a more customized issue tree: Capabilities and expertise Distribution channels Cost structure (mainly fixed versus variable; is it better to have higher fixed costs with lower variable, which is a barrier to entry, or vice versa?) Investment costs (optional: only if the case involves an investment decision) Intangibles (e.g., brands, brand loyalty) Financial situation Organizational structure (optional: if, for example, team organization is in conflict with how customers want to do business, as in the case with the Fortune 500 CIO who wanted to do business with just one person)

After you analyze each company independently, you’ll run a third analysis of the two companies combined, which will provide you with qualitative insights about the benefits of such a transaction. Once you run all the analyses, you would use the qualitative data to refine your hypothesis and then analyze the potential benefits quantitatively (e.g., estimate the magnitude of financial benefit).

Referral consultant Paul McCord says, “The traditional method of ‘do a good job and ask for referrals’ does not give your client a reason to give you referrals. We make the assumption that if we have done a good job, the client will like and respect us and be willing to give us referrals. Again, this is far from the case. Most clients will not give good, quality referrals just because they like you or because you have done a good job for them. You must give them a reason to give you referrals. They need to understand why it is in their best interest to give you referrals.”7

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Wilbur Ross, the new commerce secretary, had extensive investments in China, and one of his companies was partnered with a state-owned Chinese corporation (under pressure, Ross appears to have divested in 2019).42 While in China in 2017 he talked up a partnership between Goldman Sachs and the state-owned investment fund China Investment Corp, to provide up to $5 billion to buy into US manufacturers, including sensitive assets.43 (Readers might consult this book’s index to grasp the outsized role Goldman Sachs plays in Beijing’s influence operations.) Trump’s director of the National Economic Council, Gary Cohn, had been president of Goldman Sachs, which was heavily involved with Chinese banks, giving Cohn a personal stake in their success. Among his financial interests in China before his appointment was a multimillion-dollar stake in a huge Party-controlled bank, the Industrial and Commercial Bank of China, which he helped to buy assets in the US.

If you’re willing to act on Right-Side Up thinking, you’ll become an irresistible resource to your clients and your prospects.

I’m reminded in moments like this of a pig-headed argument from former NSA consultant Ed Giorgio: “privacy and security are a zero sum-game.”1 I’ll let Dwight D. Eisenhower respond to that: “If you want total security, go to prison.” Security is only valuable when it enhances your personal freedom at the expense of no one else. Privacy is the best way to achieve security. More importantly, freedom, not security, is the highest value of a society.

We are a fee-only financial advisor in Austin TX. We offer financial planning and investment management services to individuals and families who uphold traditional values, and are passionate about travels, the outdoors, and giving back to their community. Our plan is tailored specifically for YOU, your value, your goals, and your life aspirations. We will work with you step by step until you reach your goal. Think of us as your personal financial fitness coach. Your first consultation is free.

But guess what happened. Once salaries became public information, the media regularly ran special stories ranking CEOs by pay. Rather than suppressing the executive perks, the publicity had CEOs in America comparing their pay with that of everyone else. In response, executives’ salaries skyrocketed. The trend was further “helped” by compensation consulting firms (scathingly dubbed “Ratchet, Ratchet, and Bingo” by the investor Warren Buffett) that advised their CEO clients to demand outrageous raises. The result? Now the average CEO makes about 369 times as much as the average worker—about three times the salary before executive compensation went public. Keeping that in mind, I had a few questions for the executive I met with. “What would happen,” I ventured, “if the information in your salary database became known throughout the company?” The executive looked at me with alarm. “We could get over a lot of things here—insider trading, financial scandals, and the like—but if everyone knew everyone else’s salary, it would be a true catastrophe. All but the highest-paid individual would feel underpaid—and I wouldn’t be surprised if they went out and looked for another job.” Isn’t this odd? It has been shown repeatedly that the link between amount of salary and happiness is not as strong as one would expect it to be

Professional investment advisers are best at providing other valuable services, including asset allocation guidance, information on tax considerations, and advice on how much to save while you work and how much to spend when you retire. Further, most advisers are always there to consult with you about the financial markets.

Quickbooks Proadvisor support +1-877-383-3611 Want to take your financial consulting practice to the next level, earn client trust, and easily connect with a vast pool of potential customers? Certification as a QuickBooks ProAdvisor brings you these and many more benefits. And the best part is, you can boost your business at no cost with just a few hours of your time. By joining the QuickBooks ProAdvisor program and completing a test, your ProAdvisor certification demonstrates your superior knowledge of the QuickBooks system. You will be prepared to provide both expert business and financial consulting. Certification as a QuickBooks ProAdvisor will improve your efficiency and increase the success of your practice. We’ll discuss these and more benefits in detail later in this article.

Quickbooks Proadvisor support +1-877-383-3611 Want to take your financial consulting practice to the next level, earn client trust, and easily connect with a vast pool of potential customers? Certification as a QuickBooks ProAdvisor brings you these and many more benefits. And the best part is, you can boost your business at no cost with just a few hours of your time. By joining the QuickBooks ProAdvisor program and completing a test, your ProAdvisor certification demonstrates your superior knowledge of the QuickBooks system. You will be prepared to provide both expert business and financial consulting. Certification as a QuickBooks ProAdvisor will improve your efficiency and increase the success of your practice. We’ll discuss these and more benefits in detail later in this article.

Quickbooks ProAdvisor support +1-877-788-4840 Want to take your financial consulting practice to the next level, earn client trust, and easily connect with a vast pool of potential customers? Certification as a QuickBooks ProAdvisor brings you these and many more benefits. And the best part is, you can boost your business at no cost with just a few hours of your time. By joining the QuickBooks ProAdvisor program and completing a test, your ProAdvisor certification demonstrates your superior knowledge of the QuickBooks system. You will be prepared to provide both expert business and financial consulting. Certification as a QuickBooks ProAdvisor will improve your efficiency and increase the success of your practice. We’ll discuss these and more benefits in detail later in this article. QuickBooks makes their certification program easy by providing free training resources, such as self-guided modules, webinars, and even live course options. You do not need to be a bookkeeper or an accountant or have any specific education certificates or degrees. By investing just one or two hours a day, you can become a certified QuickBooks ProAdvisor in as little as two weeks.

A similar financial review of another outside consultancy had been so stressful that the firm’s CEO had had a heart attack in the middle of the process, even as the audit had found no improprieties

But Ernst & Ernst was an innovative firm. The Ernsts were the first accountants to advertise, and they blazed the path of combining audit and consulting services. The Ernst brothers understood that financial information was valuable, not only to investors, but also to managers, who could use the data to improve their business decisions. The Ernsts further saw the benefit of giving combined audit and tax advice. When the federal income tax was established in 1913, Ernst & Ernst immediately set up a tax department. If the Ernst brothers were concerned about potential conflicts of interest from simultaneously attesting to an audit and advising on taxes, strategy, and disclosure, they kept that to themselves. The Ernsts were visionaries, and had no time for prudish accounting old-timers. When the American Institute of Certified Public Accountants, a long-established accounting trade group, accused the Ernsts of violating its rules against soliciting and advertising, the brothers resigned their AICPA membership.17

Human relationships with key people in the company cannot be delegated. Financial decisions are yours, as well as any decisions to take on key human resources. In the legal area you are the one who must decide strategy, after listening to the advice of others, and then you must rely on good advisers or consultants to carry it out. "Delegate everything except command" as an entrepreneur friend of mine once said. You should always know how much your company is earning, where it’s working at a loss, and why.

There are many ways to discover that you’re not valuable in our economy. For Jason Benn the lesson was made clear when he realized, not long after taking a job as a financial consultant, that the vast majority of his work responsibilities could be automated by a “kludged together” Excel script.

Geoffrey Learmonth strives to invest in his physical and mental well-being every day. The time he sets aside for his family is one he wants to expand on the most. He believes this is the best way to further his goal of running his own investment consulting business in the future. With a unique skill set of understanding and helping people reach their lifelong financial goals, Geoffrey is confident in his future aspirations.

Top-down financial analyses help you understand if everything is worth it. Because if it is not worth it, why do all the detailed work in the first place?

It all began when I was asked to write an essay for a new radical magazine called Strike! The editor asked if I had anything provocative that no one else would be likely to publish. I usually have one or two essay ideas like that stewing around, so I drafted one up and presented him with a brief piece entitled “On the Phenomenon of Bullshit Jobs.” The essay was based on a hunch. Everyone is familiar with those sort of jobs that don’t seem, to the outsider, to really do much of anything: HR consultants, communications coordinators, PR researchers, financial strategists, corporate lawyers, or the sort of people (very familiar in academic contexts) who spend their time staffing committees that discuss the problem of unnecessary committees. The list was seemingly endless. What, I wondered, if these jobs really are useless, and those who hold them are aware of it?

DAN LOK’S NONNEGOTIABLES BUSINESS WELL-BEING: Sixty minutes a day spent on thinking, developing strategies, and keeping a pulse on my team. EMOTIONAL WELL-BEING: Thirty minutes a day spent on a morning ritual that includes visualization, Attitude of Gratitude meditation, and deep breathing exercises. FINANCIAL WELL-BEING: Thirty minutes a day looking at financials and investments and reviewing numbers. GROWTH: Sixty minutes a day learning. This includes reading, consulting with experts, and meeting with other founders and CEOs. PHYSICAL WELL-BEING: Sixty minutes a day of physical exercise, three times a week.

A couple recently came to my office. Let’s call them Mark and Elizabeth Schuler. They came in for a consultation at Elizabeth’s request. Mark’s best friend was a stockbroker who had handled the couple’s investment portfolio for decades. All they wanted from me was a second opinion. If all went well, they planned to stop working within five years. After a quick chat about their goals, I organized the mess of financial paperwork they’d brought and set about assessing their situation. As my team and I prepared their “Retirement Map Review,” it was immediately apparent the Schulers were carrying significant market risk. We scheduled a follow-up appointment for two weeks later. When they returned, I asked them to estimate their comfortable risk tolerance. In other words, how much of their savings could they comfortably afford to have exposed to stock market losses? Elizabeth laughed at the question. “We’re not comfortable losing any of it,” she said. I had to laugh too. Of course, no one wants to lose any of their money. But with assets housed in mutual funds, 401(k)s, and stocks, there’s always going to be some measure of risk, not to mention fees to maintain such accounts. We always stand to lose something. So how much could they tolerate losing and still be okay to retire? The Schulers had to think about that for a while. After some quick calculations and hurried deliberation, they finally came up with a number. “I guess if we’re just roughly estimating,” Mark said, “I could see us subjecting about 10 percent of our retirement savings to the market’s ups and downs and still being all right.” Can you guess what percentage of their assets were at risk? After a careful examination of the Schulers’ portfolio, my team and I discovered 100 percent of their portfolio was actually invested in individual stocks—an investment option with very high risk! In fact, a large chunk of the Schulers’ money was invested in Pacific Gas & Electric Company (PG&E), a utility company that has been around for over one hundred years. Does that name sound familiar? When I met with the Schulers, PG&E stock was soaring. But you may remember the company name from several 2019 news headlines in which the electric and natural gas giant was accused of negligence that contributed to 30 billion dollars’ worth of damage caused by California wild fires. In the wake of that disaster, the company’s stock dropped by more than 60 percent in a matter of months. That’s how volatile individual stocks can be.

IMCI Advisory & Coaching is a special division of the IMCI Group, dedicated to offering a wide spectrum of solutions that play an integral role in organizational success. These include Interim Management, Succession Management, Executive Search, HR Management, Business Coaching, and Training. They have a team of high-profile industry experts and consultants who are certified and experienced to provide definitive solutions for any kind of organizational needs.

. “And I came to know about the mistress. Andrea Darius. I met her for the first time before we were married. Beautiful woman, so beautiful. Smart, classy, very high-society type. She looked kind of like Katherine Heigl—that stately, confident, above-it-all look. I’d suspected from the first time I met her. There was something in the way she looked at him, it was just there. She was an image consultant, a public relations expert who specialized in the financial sector. Lenders and investors are constantly scrutinized, especially private companies and hedge fund managers. But that was just a front. That was one of the first issues I faced when I looked the other way. I made excuses to make my existence more acceptable in my own eyes.” She laughed hollowly. “While I’m a leper in Manhattan, Andrea is still a prominent figure in New York society. There’s been speculation that she’s a high-priced prostitute or even madam. Who knows? Who cares?

We operate on the belief that every business is unique and requires tailored strategies. This is why we focus on understanding your business before offering solutions. We offer a unique approach to consulting, have a diverse experienced team, and specialize in many types of business verticals. Our services include business strategy, leadership development, operational efficiency, market analysis, customer engagement, and financial planning.

+27603051423 Call or whats-app a great woman all your problems now *It was like a bad omen with what we call (Isiqhitho) in our South African religion. I decided to visit or consult with Dr Anina. When I got to her temple she touched my forehead and my palm, then she prayed for me. She told me to wait for 7 (seven) days in order to see the outcome/results. Within (3) three days my girlfriend sent me a text message asking me and my family to meet with her family the very same week at her parental home. *On arrival, my girlfriend could hardly hold back herself. When she saw me, she just broke in tears and knelt down asking me to marry her right there as she was ready to be my wife. As they say, the rest was history. We made a great couple after the wedding and we are now a happy family. *We have been together for Four years now ever since. Once again I would like to thank Anina. Just in case you face the same problem as mine, don’t hesitate or waste your time, visit her and you won’t regret. Contact the Great Healer Anina now for your relationship and marriage problems+27603051423

To see another distinction between risk and uncertainty, we consult the dictionary: Risk is “the possibility of suffering harm or loss.” Uncertainty is “the condition of being uncertain,” and uncertain is “not known or established.” So risk always includes the notion of loss, while something can be uncertain but might not include the chance of loss.

What is Freelancing? Freelancing is a work arrangement where individuals offer their services to clients on a project basis, often remotely and without being tied to a single employer. In this model, freelancers are self-employed and take on various assignments from different clients, rather than having a traditional full-time job. A Freelancer can provide various types of services in a wide range. Such as Article writing, Graphic design, Web development, Digital marketing, Consulting, SEO, and more. They have the flexibility to choose the projects they work on, set their own rates, and determine their work schedules. Some features of freelancing are discussed below: Flexibility: Freelancers usually work on projects of their choice and set their own working hours. Because they have that freedom, which allows them to balance work with personal life. Independence: Freelancers are essentially their own bosses. They manage their work, clients, and business operations independently. Diversity: Freelancers can work on different projects for different clients, gaining exposure to different industries and challenges. Remote Work: Most freelancers work remotely, enabling them to collaborate with clients from around the world without the need for a physical office. Project-Based: Freelancers are hired for specific projects or tasks, with defined start and end dates, rather than being employed on a long-term basis. Skill-Based: Freelancers offer specialized skills that clients might not have in-house, making them valuable for tasks requiring expertise. Income Variation: Freelancers' income can vary based on the number and type of projects they take on, making financial planning important. Client Relationships: Building strong client relationships is crucial for repeat business and referrals. Self-Promotion: Freelancers often need to market themselves to attract clients and stand out in a competitive market. Basically, you can do freelancing with the work you want to do or the work you are good at. The most interesting thing is that in this field you are everything and your decision is final.

Another tenet of the Gita is nonattachment to results. As Lord Krishna, an incarnation of God, tells Arjuna: “You have the right to work, but never to the fruit of work. You should never engage in action for the sake of reward, nor should you long for inaction.” Sever work from outcome, the Gita teaches. Invest 100 percent effort into every endeavor and precisely zero percent into the results. Gandhi summed up this outlook in a single word: “desirelessness.” It is not an invitation to indolence. The karma yogi is a person of action. She is doing a lot, except worrying about results. This is not our way. We are results-oriented. Fitness trainers, business consultants, doctors, colleges, dry cleaners, recovery programs, dieticians, financial advisors. They, and many others, promise results. We might question their ability to deliver results, but rarely do we question the underlying assumption that being results-oriented is good. Gandhi was not results-oriented. He was process-oriented. He aimed not for Indian independence but for an India worthy of independence.

What is Freelancing? Freelancing is a work arrangement where individuals offer their services to clients on a project basis, often remotely and without being tied to a single employer. In this model, freelancers are self-employed and take on various assignments from different clients, rather than having a traditional full-time job. A Freelancer can provide various types of services in a wide range. Such as Article writing, Graphic design, Web development, Digital marketing, Consulting, SEO, and more. They have the flexibility to choose the projects they work on, set their own rates, and determine their work schedules. Some Features of Freelancing are Discussed Below: 1. Flexibility: Freelancers usually work on projects of their choice and set their own working hours. Because they have that freedom, which allows them to balance work with personal life. 2. Independence: Freelancers are essentially their own bosses. They manage their work, clients, and business operations independently. 3. Diversity: Freelancers can work on different projects for different clients, gaining exposure to different industries and challenges. 4. Remote Work: Most freelancers work remotely, enabling them to collaborate with clients from around the world without the need for a physical office. 5. Project-Based: Freelancers are hired for specific projects or tasks, with defined start and end dates, rather than being employed on a long-term basis. 6. Skill-Based: Freelancers offer specialized skills that clients might not have in-house, making them valuable for tasks requiring expertise. 7. Income Variation: Freelancers' income can vary based on the number and type of projects they take on, making financial planning important. 8. Client Relationships: Building strong client relationships is crucial for repeat business and referrals. 9. Self-Promotion: Freelancers often need to market themselves to attract clients and stand out in a competitive market. Basically, you can do freelancing with the work you want to do or the work you are good at. The most interesting thing is that in this field you are everything and your decision is final. Please Visit Our Blogging Website to read more Articles related to Freelancing and Outsourcing, Thank You.

The matching principle applies to service companies as well as product companies. A consulting firm, for example, sells billable hours, meaning the time each consultant is working with a client. Accountants still need to match all the expenses associated with the time—marketing costs, materials costs, research costs, and so on—to the associated revenue.

The deep work paid off. Benn quickly landed a job as a developer at a San Francisco tech start-up with $25 million in venture funding and its pick of employees. When Benn quit his job as a financial consultant, only half a year earlier, he was making $40,000 a year. His new job as a computer developer paid $100,000—an amount that can continue to grow, essentially without limit in the Silicon Valley market, along with his skill level.

Thomas Rauchegger of Cramer & Rauchegger, Inc. is an accomplished financial consultant, licensed Series 7 Securities Representative, a Series 66 holder, a Certified Estate planner, and a life insurance license holder who obtained a Master of Business Administration from the University of Central Florida. In his 15 years of experience, Tom has adopted a philanthropic approach in the areas of finance and estate planning – delivering reliable and trustworthy service to all clients as an advocate for the best-possible retirement years.

He saw it as ironic that there were financial cuts to be made, yet the consultants brought in from outside to oversee the exercise were paid excessively.

Team roster—address, phone and fax of your doctors, and their assistants. • Notes—from consultations and conversations with your doctors. You can refer back to them if you are confused about anything they told you, and perhaps save yourself a call to their office. • Test results—copies of any important test results or reports such as mammograms, pathology reports, etc. • Questions—an ongoing list of questions to ask your doctors during your next visit (unless they are urgent . . . then call immediately). • Symptom tracking—if you are tracking any symptoms associated with treatment such as nausea to report back to your doctors. • Financial statements—keep copies of all medical bills from doctors and hospitals, whether they were sent to you or submitted directly to your insurance company. Also keep copies of all Explanation of Benefit (EOB) statements from your insurance company.

It is estimated that the financial burden of mental illness worldwide will reach $16 trillion by 2030. The World Health Organization reports that over 300 million people suffer from depression alone, making it the leading cause of disability worldwide. That projection is not only disturbing but emphasizes the need to seek disruptive, innovative approaches to psychiatric disease. Mobilehealth can help fill these needs for at least two reasons: given the number of available mental health professionals, it is virtually impossible for all those in need of those services to be cared for face-to-face, a dilemma that is especially acute in low and middle-income countries. And there is also some evidence to suggest that many patients are more willing to open up about their psychological concerns online during an anonymous consultation. 

Limitation #4 – Specified Service Businesses Businesses that are in the accounting, legal, health, performing arts, actuarial, athletic, consulting, financial services and brokerage services do not qualify for the 20% pass-through business deduction unless the taxable income of the owner is less than $315,000 ($157,500 for single individuals). This limitation also applies to any business whose principal asset is the skill or reputation of one of the employees or owners, such as an independent contractor

Americans seek advice with an appetite that seems to be insatiable. We watch televised “experts” in the hope of finding solutions to interpersonal problems, financial woes, and sexual dysfunction. We read advice columns and go to seminars. We consult selfimprovement websites. And we buy books. There are more than thirty thousand self-help titles in print in the United States today, and it’s estimated that Americans will spend close to one billion dollars buying them this year.

Adjusting the public record in the West was certainly more complicated than it was at home, and vastly more expensive. Tony Blair guarded the financial details of his consultancy work as jealously as Nazarbayev guarded the details of his kickbacks, but the three-term prime minister’s services were said to cost Kazakhstan $13 million a year. Blair understood when to use light, when darkness. Back in 2006, investigators from the Serious Fraud Office chasing down bribery related to the sale of British fighter jets to Saudi Arabia had tried to inspect the middlemen’s Swiss accounts. The House of Saud had sent word that such interference in their affairs would cause them to cancel the next multibillion-dollar batch of planes from BAE Systems, formerly British Aerospace. Blair’s government halted the SFO investigation, on the grounds of Saudi Arabia’s invaluable assistance in heading off attacks by adherents of the jihadism the kingdom itself sponsored. For Sir Dick Evans, a lifelong arms dealer who had risen to the chairmanship of BAE and been questioned by the SFO’s bribery investigators as they homed in on their targets, this represented a bullet dodged at the last second. His next profitable course would lead to Kazakhstan, to set up an airline, Astana Air.