Antonia Watson gestiegen um chief financial Officer der ANZ Bank, eine der beiden Frauen eine Rolle in einem der fünf Großbanken zusammen mit BNZs Adrienne Duarte halten werden.

Das macht sie zu einer der am meisten Geld-versierte Menschen auf diesen Inseln, so es eine Überraschung kommen kann, dass ihre Anlagestrategie "diversifizieren, kaufen und halten" so ein einfaches Rezept für den Erfolg ist.

Wie finanziell versierte seid? Sehr, ich hoffe. Ich wäre ein bisschen wie ein Betrug ein CFO einer Bank, wenn ich nicht.

Wie abholen Sie Ihre Fähigkeiten Geld?

Meine Mutter und mein Vater lehrte meine Schwestern und mich den Wert des Geldes sehr jung - wir haben Aufgaben, um Geld für die Reisen zu verdienen, und ich hatte Teilzeitarbeit ab ca. 13 Jahren alt, ein bisschen mehr Geld zu verdienen. Wenn wir Dinge wie Rollerskates oder ein Fahrrad haben mussten wir einige unserer eigenen Ersparnisse in Richtung zu ihnen setzen.

Welchen Rat gibst du eine "normale" Person unsicher, wie Sie ihre finanziellen Allgemeinbildung verbessern?

Scheuen Sie nicht um Rat Fragen. Ich denke, finanzieller Allgemeinbildung in den Schulen gelehrt werden sollte, aber es gibt auch jede Menge Community-basierte Programme, die Menschen helfen, mehr Geld-gesinnt zu sein. Die sorted.org.nz-Website ist ein guter Ort zum starten.

Siehst du manchmal eine Trennung zwischen Menschen, die finanziell sehr bei der Arbeit sind und den Status ihrer persönlichen Finanzen?Ja, mich. Nicht, dass meine persönlichen Finanzen in einem schlechten Zustand, aber ich versuche zu vermeiden, Buchhaltung außerhalb der Arbeit also mein Mann achtet darauf der Rechnungen und investieren, mit meinen Input von Kurs und Buchhalter tut meine Steuererklärung.

Haben Sie ein Finanzberater?

Nr., ich habe meine eigene relativ einfach investieren-Politik, die vielfältigen kaufen ist und halten lange, aber ich weiß wo man beraten zu lassen, wenn ich es brauche.

Was war Ihre erste bezahlte Arbeit?Außerhalb der Aufgaben zu Hause und bei meiner Eltern Apotheke zu arbeiten war es in einer Polling-Kabine für die Parlamentswahl 1984 tätig. Ich war nicht wahlberechtigt, aber ich habe eine satte $160 für den Tag, der war damals eine Menge Geld. Ich war schon immer groß, und ausgerechnet der Tag würde sagen zu mir, Sie noch gestimmt haben? Ich war 14.

Wie prägen Ihre Erziehung, Ihre Einstellung zu Geld?

Wohl meine Eltern hätten entzogen wird, geben uns Geld für Reisen oder für die großen Elemente selbst bezahlt, aber die Lektion nicht immer Dinge gab mir auf einem Teller war wichtig. Es hat mich gelehrt, Entscheidungen über Ausgaben oder speichern und bereit mich für den Tag, wenn ich auf meine eigene ausgehen würde.

Wenn ein Kind fragte Sie der beste Weg, Geld zu verdienen, was würdest du sagen?

Immer eine gute Ausbildung erste darauf konzentrieren. Es gibt keine einfache Möglichkeit, Geld zu verdienen - Sie dafür arbeiten müssen. Suchen Sie nach etwas, das Sie gerne tun und dann versuchen Sie herauszufinden, eine Möglichkeit, dafür - bezahlt werden Sie eher geneigt, härter arbeiten und mehr Erfolg.

Apropos Kinder, engagieren Sie sich in globalen Frauen, die das Ziel der Schaffung einer Pipeline von "next Generation" führenden Frauen auf den höchsten Ebenen der Corporates und Führung hat. Wie verwalte, die Frauen mit Kindern?

Ich weiß nicht, wie Leute Kinder Arbeit und verwalten. Ohne Kinder selbst habe ich ein enormes Maß an Bewunderung für Frauen, die beides tun. Das beste, was, das ich spielen kann, ist sicher, dass ich meine Mitarbeiter die Flexibilität, die Sie benötigen erlauben, um Beruf und Familie so weit wie möglich zu verwalten. Das gilt für männliche und weibliche Mitarbeiter - wir haben weitere führenden Frauen in der Belegschaft, wenn ihre Partner auch die Flexibilität, die Last zu teilen haben.

Bitte sagen Sie mir, wie du zu der Philanthropie und wie einige Leute meinen es denken: "geplante Zuwendungen". Was hat das in Ihrem Leben Geld tun?

Doch ein gutes Stück von "ad hoc" zu geben, fördert eine Reihe von Kolleginnen und Kollegen im Movember wird ein aktuelles Beispiel. Für geplante Zuwendungen, der Hauptallee, die ich benutze ist die ANZ-Mitarbeiter-Stiftung, die unsere Abrechnung geben, die ich zufällig ist auf Stuhl. Periodische Abrechnung Abzüge von Personal werden durch die Bank, und zweimal im Jahr, die wir auf würdige Wohltätigkeitsorganisationen entscheiden, welche Zuschüsse erhalten vom Personal nominiert wurden abgestimmt. Seit dem Start hat die Stiftung mehr als $ 3 Millionen 520 Wohltätigkeitsorganisationen und Gemeindegruppen in ganz Neuseeland gegeben.

Sagen Sie uns Ihre besten Investitionsentscheidung jemals?

Immer speichern Sie einen Teil von meinem Lohn von meinem ersten Job. Während ich die Logik verstehe der zuerst Ihre Hypothek bezahlen, sparen einen regelmäßigen Betrag sowie die Zahlen so viel wie möglich aus der Hypothek für mich gearbeitet.

Was ist dein größter Fehler Investition gewesen?

Spekulative Aktien, beobachten sie im Wert steigen, aber nicht den Gewinn an Zeit, bevor sie Bruchlandung bewusst zu kaufen. Sie sollten eine Ausnahme meine Strategie "kaufen und halten" und lehrte mich nicht, ob er "die nächsten Apple" ist. Wie bei vielen anderen Dingen im Leben, sehen Sie für den Stoff vor dem Glanz.

Wie summieren Sie Ihre Gefühle in Richtung zu den Ausgaben?

Mein Mann und ich haben eine Ausgabe Schwäche - wir lieben zu essen in teuren Restaurants. Aber ich fahre einen Toyota Corolla so in meinem Kopf es Art von Evens heraus. Tipps, die für mich gearbeitet haben sind: verbringen Sie im Rahmen Ihrer Möglichkeiten; verbringen Sie nicht mehr auf eine Kreditkarte als monatlich abzahlen können; wie Sie mehr verdienen sicher, dass Sie nicht nur mehr, verbringen aber, dass Sie mehr sparen oder Ihre Hypothekenrückzahlungen zu erhöhen.

Ihr seid in KiwiSaver und wenn also, die Fonds und warum?

Absolut. Ich bin in der ANZ KiwiSaver Lebenszeiten-Option, wo meine Ersparnisse durch Mittel, die auf der Grundlage von meinem Alter verschoben werden. Warum? Ich arbeite bei ANZ, aber das ist nicht der einzige Grund. Sie müssen arbeiten, um mich als Kunden und tun dies mit günstigen Preisen, gute Rendite und externe Validierung durch Auszeichnungen.

Gambling ist so etwas wie ein Volkssport. Gefällt Ihnen ein Flattern? Mein Buchhalter Gehirn sagt mir, es gibt keine Logik zu spielen, wie die Chancen gegen Sie gestapelt sind. Aber ich kann nicht widerstehen, Powerball, wenn es mehr als ein paar Mal rückgängig gemacht wurde. Abgesehen davon ist das mein Spiel ziemlich beschränkt auf das Office-Gewinnspiel auf der Melbourne Cup.

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When it comes to securing investment, the overwhelming challenge for most entrepreneurs comes from trying to determine how to make a convincing pitch. Fortunately, it does not have to be that difficult.

As an entrepreneur and MBA who was schooled in traditional investment raising, I have always been told that to find investment capital for your business, you needed a comprehensive business plan, detailing (among other things) S.W.O.T. (strengths, weaknesses, opportunities and threats), operations and marketing plans, and financial models showing projections, cash flow, return on investment, risk analysis, etc.

These days, I am working on a new startup idea with Startup.SC, a South Carolina startup business incubator that focuses on scalable technology companies. What I have learned over the past few weeks is that although there is no exact formula for successfully developing a pitch, start by asking yourself this simple question:

If you were an investor, what would you want to see in a pitch?

Quite simply, put yourself in the shoes of the investors you are pitching and focus on these things:

1. Customer acquisition, not revenue.

More than revenue projections, investors want to know how you are going to capture and retain customers. In a roundabout way, it is essentially the same thing (both deal with revenue), but while revenue projections can be formulaic and are for the most part completely pulled from the air, what speaks to investors is a clear, effective and executable plan for capturing customers and keeping them.

2. The jockey, not the horse.
Investors bet on jockeys, not horses. What investors want to see is that you are committed and able to fulfill the task of implementing your plan through challenges as well as successes, and that you are the type of person who is going to see it through to the end. Ultimately, a great idea is worthless without great execution. Prove that you are the person to carry out the vision.

3. Flexibility, not recipes.
You may have an idea of how you want to structure your company and your investments, but understand that every investor has different expectations, as do their partners and stakeholders.



4. Remember: Nobody wants to see you fail.
When negotiating with investors, entrepreneurs often get stuck in the wicked mind game of trying to determine who is making out the best. In reality, success depends mutually on two things: your passion and capabilities and your investors' money.

In the end, everyone loses if you fail, so it is in nobody's best interest to create a situation that erodes any chance of success.

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Social media and financial advice aren't such an easy match after all.

Sure, the initial attraction is obvious. With one stroke, advisers can woo clients with regular investment tips on Facebook and Twitter, building an audience and drumming up business. Then, after establishing a rapport with their followers, they can follow up with one-on-one video conferencing to clients on Skype or FaceTime without leaving their screens.

But back up a minute.

Old-fashioned, face-to-face communication is still key, advisers say, even for those who use social media extensively. In-person meetings are a must to glean nuances about risk tolerance and financial needs that clients may not even realize about themselves, let alone be able to communicate. Worse, pat advice on Facebook and Twitter can run the risk of looking like a hot tip and other worthless advice littering some investment websites.

So, how best to proceed on social media? Here are some things to consider:

1. Set the right tone

Being on social media is about "being where the people are. It's about being engaged, sincere, genuine and contributing something of value. And over time, you build relationships," said Will Britton, a financial adviser in Kingston.

For him, social media is a place to begin a conversation. For instance, he hopes to open dialogues with his regular roundup of stories from financial media, acting as a mini news service for people following him on Twitter. By linking to these stories and affixing his Twitter tag, he's effectively handing out electronic business cards to the world.

"My presence [on social media] is enough for people to know what I do professionally. There's certainly some professional content, whether it's sharing links to worthwhile articles or videos or stuff that I come across."

It's a faux pas, though, to look like someone selling something, he said.

"I try to stay away from overt marketing, A) because we get into compliance issues from an industry point of view, and B) I just don't think that that's what the people on those platforms want anyway. They're looking for connections and conversations and engagement. They're not looking for spam and ads and 'Come buy this from me,'" he said.


2. Differentiate between public and private

Investment professionals need to draw a clear line between public and private, a line that's not always clear in social media, nor in real life.

Take this easy scenario: a conversation at a children's hockey game. In the stands, parents inevitably get to talking. Often the topic will turn to money and, sooner or later, an investment pro such as Mr. Britton will have to mention that he's a financial adviser.

That's when another parent may get serious and ask a direct question about the family's finances. That's when the informal conversation needs to stop and continue in private. It's best to think of social media as a giant referral service for investment advisers, he said.

"I think a lot of the time, people definitely aren't going to the Yellow Pages [to find advisers], and I don't even know if they're going to Google any more," he said. "They are crowdsourcing that information. They're going to their community, wherever it is, whether it's online or off, and saying, 'Hey, does anyone know a good financial planner?'"


3. Social media still isn't seen as a replacement for traditional financial news sources

There's skepticism surrounding social media as an information source in the investment community.

Institutional investors remain particularly wary, according to a global poll by communications network AMO conducted in January this year. Their survey of 105 institutional investors in 12 countries found that 85 per cent feel that social media sites are generally not reliable for financial news.

Yet, at the same time, they also indicate a future for it, with 82 per cent saying that social media is growing in importance in financial communications. Thirty-nine per cent of these are prone to looking at investment forums for work regularly or occasionally, and 28 per cent consult them under exceptional circumstances. LinkedIn was the most popular of the social media sites, with 59 per cent consulting it at some point, although a large 41-per-cent segment reported never using it professionally. About 46 per cent reported ever consulting Twitter professionally.

Similarly for retail investors, an online survey in August of 2013 for BMO InvestorLine found that social media platforms, such as LinkedIn and Facebook, were still slow to be seen as reliable investment-news vehicles. Only a third of the 1,020 Canadian investors surveyed said they use social media for investment insights.

In comparison, 69 per cent of those investors surveyed said they found TV current events and business news trustworthy, and 55 per cent said the same for newspapers and magazines. So linking to more traditional news sources may still be a good habit for advisers online, rather than linking to blogs, forums or other social media.

All of this suggests that social media continues to make inroads, but it still has a way to go.


4. Organize online advising more effectively

Victor Godinho, a financial planner in Toronto and still in his early twenties, sees social media as perfectly suited to the 20- to 40-year-old crowd he caters to. Every Friday, he posts a financial tip on his social media sites, from Instagram and Facebook to Twitter and Pinterest. He has a client in Ottawa with whom he conferences on Skype.

Yet he adds that Skype and social media require a more effective use of time, rather than just chatting for an hour in his office. "You need to keep their attention [online], or you need to make sure they're on the same page as you, considering you're in two different locations."

It's a supplement to in-person meetings. "Every year when we do our annual review, we'll meet in person," he said, and "when you're in-person, you're inclined to talk more than just business."

But for a video conference, advisers need to send clients documents ahead of time. Time onscreen needs to be managed more efficiently, and the meeting needs to move along at a faster speed. More pre-planning is required to make the meeting more effective. It requires a different communication skill, with a focus on not wasting time.

"If you can make that easier on your client, that's the best thing you can do," Mr. Godinho said.




About Corliss Online Financial Mag

Corliss Group Online Financial Mag is a stock-market education website designed to teach beginners how to trade shares. Corliss Group Online Financial Mag does this in a manner easy to understand and uses only relevant and essential information required to trade shares on the stock market.

Corliss Group Online Financial Mag was formed because of the lack of stock-market-related websites that impart the steps required to begin trading safely; thus, our step-by-step guide to buying shares.

What can an individual who lives on a small salary do to invest and augment his income somehow? Here are some tips to follow:

1. Invest in something close to your heart

Whether it is in music or cooking, investing in a small venture will have a greater chance of surviving and even achieving reasonable success if it involves doing something close to your heart or within your experience as a person or as a worker. If you work as a waiter, why not learn as much as you can about some way of improving a recipe or a drink and come up with your own sideline you, or with a partner, can run during weekends or after work?

We hear this advice often and yet not many take it to heart or are brave enough to actually do it. Many feel it takes too much effort and money to start a business. This is not true, in general. Making a single unique jacket or fashion accessory and selling it can be the one step you need to encourage yourself to make more. Even a used item such as a broken sofa, if repaired and furbished to look attractive might bring you some income you never thought you could have from what you already have.

Oftentimes, all it takes is a lot of imagination and a dose of courage to jump right ahead on a new venture you never tried before.

2. Learn the basic math

Any business, small or big, will depend largely on good and proper basic accounting. Learning the fundamental methods of bookkeeping will go a long way to controlling the flow of resources and understanding the nature of your business finance. We all knew about the Chinese who, for many centuries, used the abacus to make sure they got the entire math figured out. With the calculator or the PC today, the job has become even easier and more efficient as we can keep records as well of our transactions.

Still, there are other tricks we can avail of to make the task easy and more enjoyable. Finger-Math can be a tool one can learn and use during those hectic moments when technology Is not around to your aid. Mental math is a trick we can also develop to enhance our acuity in this area. Whatever suits your personality and style, make sure the math is a primary focus in your business. Remember, math is but a tool to make your work easier; but loving the work can make a lot of difference in how you conduct the business.

3. Know you product

Knowing your product is as important as how much you price it eventually. You may have a good round figure for your product's price; but if you have not truly known your product (what it directly provides, what value it adds to its user, how it can be enhanced beyond its basic use), you will not fathom its true worth for you and for your customer.

Knowing your product goes beyond appreciating its innate value. Peanut butter is not just for making bread taste better or eating by itself. It can also be used for adding flavour to other recipes or with other food (try it with banana). And unless you tell people it can be used as so, they will never discover its other uses. Advertising or showing it in your packaging can be the step you need to do to enhance your product's value and appeal as well as its price.

4. Know your customers

Not all people will want to buy your product or service. How to change their mind is the challenge you must never give up on. Changing your approach may allow you to capture certain customers you know patronize other brands. Price reduction, although it is not always the best thing to do or other come-ons, such as giveaways or freebies, may help promote your product in certain market locations you wish to capture.

Talking to people and being sensitive to their needs will help you get a clearer picture of your prospective customers.

5. Know your competitors

Knowing your customers will teach you how to appreciate and know your competitors indirectly as well. If you feel your product is better than your competitors and yet you cannot break into the bigger share of the market , then there must be something wrong with your product or your marketing approach.

Companies who have been in the business for many years have a lot to teach you how to go about your own venture. Get as much information from them directly through visiting their stores and factories or indirectly through reading books, magazines and websites.

6. No matter how many competitors you have, you can still join in if you are unique

Unless every corner in your area has a small variety store, you can still put up your own as long as you provide a unique feature in your business. Delivering your product while others wait for buyers can be your advantage in these busy times. Or, you can have orders picked up at certain times to encourage people to buy fresh vegetables, fruits or meat, for instance. The trick is to make your customers feel special and given a personal touch. Adding something nobody else provides may be the advantage you need to keep the competitors behind.

7. Find out what works for you and your product

Eventually, you will have to experiment and make a lot of mistakes as to how you can improve your product, your price and your style of operation. But things will change as economic and social realities also change ad adapting creatively will allow you to stay afloat. Being prepared for such eventualities ahead of others will help you reduce risks and manage your business well.

In the end, running a business may take more and more of your time and may lead you to give up your day-job. If you feel the time is right, then go ahead. Most business-people started that way. Make up your mind at the very start that the option is always present. It is just a matter of time when you will take the brave jump.

Spain's economic crisis, the government's response to it, and pervasive corruption have inspired a flowering of the black market economy. FORTUNE -- Outside the front door of an IKEA in the Barcelona suburb of L'Hospitalet de Llobregat, a group of men -- mostly immigrants from Ecuador -- offer shoppers informal delivery services. In Spain's crisis economy, it's a competitive business -- to cut down on conflict, the drivers pick numbered balls to set a queue -- and with some negotiating, a shopper can get immediate delivery for less than what IKEA's official drivers charge.