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youarejesting · 4 years

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BTS 365 Prompts

[Masterlist] Please tag me in your work if you use my prompts. I want to see your work. Ever your Jester.

Tell me your birthday and I will tag you on your special day!

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January 22nd - 28th

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Kim Seokjin: Answer

It was your last appointment of the day, you always scheduled the three gliders right before closing as there would be no animals to harass them and cause them any unnecessary stress. Yet part of you knew the real reason came from their handsome owner who always left you in something of a daze. Stepping into the waiting room, you saw him sitting with the carry cage and smiled calling his name and inviting him in. “Tell me how everything has been going?”

“Ah well Odengie doesn’t really like me, he always cries when I try to pick him up” Seokjin sighed as you reached into the cage and took one of the sugar gliders out and gave a quick examination. Before switching neither glider showing any negative reactions to being held. “Wae, why do you behave for her but not for me, ya! Answer me!”

You giggled at his cute pout as he scolded his sugar gliders crossing his arms. And turning his back to them.

Min Yoongi: Handwriting

Yoongi watched you leave the classroom. He had never really noticed your presence, though he hardly paid attention to others. You had dropped something, he casually moved to pick it up. It was an impressive poem. It wasn’t a love letter, at least it didn’t read like one. It wasn’t addressed to anyone, it was just a poem. There was something about it that he connected with the words were a raw emotion somewhere between sadness and anger. He was writing music and couldn’t get it out of his head so he made a beat put it together tweaked some of the words.

You were on your way to an underground party, you had dressed up in a really pretty dress. Standing off to the side you heard a name you knew, it was the stage name of a guy from your class. Gloss. Walking over trying to show a little support as a very nice beat began. He was amazing barely breathing rapping with ease, it all flowed so well, he was looking through the crowd. His eyes glided over your form before snapping back and locking onto you he began a chorus and your mouth fell open. This was your poem, he made your depressive poem more aggressive mocking in a ‘the only person who can hurt me is me’ way. He gave it bite complete with a condescending laugh, before licking the corner of his mouth suggestively. As the song finished you staggered over to the side of the stage breathless as he stepped down catching your figure and looked down his ears turning pink.

Jung Hoseok: Compliment

Hoseok can’t tell if your flirting cause you compliment everyone in your friends group equally. But he can’t be crazy. Your hugs always seem tighter, your eyes linger longer, your smile brighter for him. You compliment him so much before turning to the others and telling them similar things but with a lot less feeling. Why were you doing this to him? You had all gone out for chimaek and you were on your third glass when you started leaning against him holding his arm and complimenting little features and mannerisms he didn’t think anyone else had ever noticed. He decided to speak up and he complimented your eyes telling you how much he enjoyed the sparkle they held. It seemed like he started a battle of compliments as the two of you began sending them back and forth. Until he got sick of your bedroom eyes scanning his face and shutting up your rant about his dance moves by kissing you fiercely.

Kim Namjoon: Opposite

You woke in a strange place utterly confused, a very manly scent of an ocean breeze laced into the sheets and pillow. You stood up and staggered something seemed off your centre of gravity was different you felt lighter around the chest and lower back. Regaining your balance you headed to the bathroom feeling something strange between your legs. Perhaps a bunch of fabric that wasn’t sitting right on your pajama pants. You jumped in front of the bathroom mirror shrieking in a lower tenor than you were used to, someone ripped the door open. “Hyung what’s wrong?” You didn’t answer confused you were a man. “Namjoon-hyung?”

Park Jimin: Spouse

Arriving at the hotel and looking out of the balcony, watching the waves crash onto the sand down below you didn’t notice your gorgeous husband wrapped his arms around you. He unpinned your hair from its elaborate do and sweeped the soft curls to the side and kissed your neck slowly. Asking you what was on your mind as he unbuttoned the back of your wedding dress meticulously. Your mind was completely blank due to his ministrations and you said the first thing on you could think of. “If there was a tsunami, we wouldn’t survive” His lips paused on your neck and he began giggling.

Kim Taehyung: Emails @yeolahh

You have been sending passive aggressive emails back and forth with the damn marketing team all week. They wanted to use more of the budget for publicity, but you just didn’t have the funds, your business was trying to turn a profit and every time you seemed to take a few steps forward the marketing team pulled you right back to the start. You had no liquid assets, no savings if things went wrong over two hundred people were out of a job.

From: [email protected] To: [email protected] Subject: Re: Market Project Finance Date: Mon, 27 Jan 2020 16:25:56 +1000

Dear Mr Taehyung,

Upon reading your email I have come to the conclusion to Decline your request. We have financial provided the Marketing team on multiple occasions and until the project is approved by the board of directors. It is unlikely we will provide you with the funding you need. We have deliberated and discussed and our decision stands as a your campaign seem a little ‘lackluster’

Hope you are well,

Miss y/n From Accounting

“Can you believe this. She called the campaign lackluster. She doesn’t know anything about marketing” Taehyung shouted at his computer turning to Hoseok who sighed this had been going on since a mishap at the Christmas party two years ago.

Jeon Jungkook: Fun

It wasn’t everyone’s idea of fun but gaming was Jungkook’s most enjoyable hobby. It had cost him multiple girlfriends in the past. He logged on to the server sitting comfortably in the internet cafe. He was the most famous player in the game unbeatable. At least that’s what he thought. The opening screen to the game showed the leader board and he would always press his thumb to the Number One beside his name like a good luck ritual. But he Froze “Who the hell is SnakeEyes and how they take my number one spot” he growled

Looking over your computer screen you saw a rather handsome young man biting his lip with his two front teeth. Is this really the previously number one gamer Seagull? Sending a formal request to fight at the arena he accepted and you glanced around the person two computers down gasped getting the battle notification. You knew a lot of people would come to see the match the arena was soon maxed out and the chat room was fierce with people announcing the live stream for those who couldn’t get in. You fought absolutely smashing him in combat and you stood up still fighting.

“SnakeEyes you think you are so good but no one can win against my sword of eternal flame” His voice ran through your headphones, and you shivered at how cute he was thinking he could win.

“Your cute Seagull in your little green Hoodie, your name should be Bunny boy” you hit pause on the screen “CyberCafe is my favorite place to game too”

“Of course you are girl” He scoffed “who else would dare to challenge me, you running out of options prolonging it won’t lessen the pain when I win, baby girl”

You stood up leaning over the computer screens with a smirk, “If I win you buy dinner how does that sound” People had their phones out live streaming your conversation.

“If I win you owe me a kiss”

Next Week

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vikingscareerstrategists-blog · 4 years

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Career in Investment Banking

A Career in Investment Banking has got everything when it comes to an interesting career: good income, reputation, strength, anxiety, and fear. However, despite continuous success, a Career in Investment Banking doesn’t necessarily merit experience and hard work. It is a journey full of ups and downs, ups, and downs.

So before you decide to embark on the path of becoming a successful investment banker, first you should find out what Investment Banking is all about.

The main function of an Investment Bank is to operate as an intermediary between the companies, which want to raise the money by issuing securities or bonds and individual or institutional investors who can provide money in exchange for securities. Investment bankers handle every aspect of this process. Investment banks profit from charging rates and fees to offer such programs and other forms of financial and market advice. An Investment Bank is a financial institution offering a variety of activities, mainly:

RAISING CAPITAL SECURITY UNDERWRITING

MERGERS & ACQUISITIONS

SALES & TRADING

RETAIL & COMMERCIAL BANKING

Subscribe our channel for the latest videos:

https://www.youtube.com/VikingsCareerStrategists

CAREER PATH IN INVESTMENT BANKING:

A Career in Investment Banking has got hiccups; however, it is full of opportunities. By showcasing hard work and talent, one can climb up the ladder of various roles in the career path of Investment Banking as given below:

ANALYST

ASSOCIATE

VICE PRESIDENT

DIRECTOR

MANAGING DIRECTOR

Suggested subjects in 11th and 12th:

To start with a Career in Investment Banking, subjects related to commerce i.e. Accounts, Economics and Mathematics will be very beneficial for potential Investment Bankers. You have to be good with crunching numbers and analyzing market study & trends, which you can start working on right from class 11th and 12th.

Suggested stream for bachelor’s degree:

Further, to pursue a career in Investment Banking, it is important to strengthen your current knowledge and develop stronger concepts in the domain of finance; you should consider getting a degree in the following:

CA (Chartered Accountant): They work for various sectors in the economy, managing all the finances of an entity and providing financial advice. You can do this either right after completing your 12th or after completing your graduation. But you must start by writing the ICAI exam. To know more about the exam, visit this website, icai.org.

Com (Bachelor in Commerce): This makes you learn about debits, credits, the flow of cash and loss and profit margins, total familiarisation of accounting. You can pursue this degree from any of the good colleges, such as SRCC(www.srcc.edu) , LSR(www.lsr.edu.in ), IPU(www.ipu.ac.in) etc.

BBA (Bachelor in Business Administration): This degree gives sound knowledge of the company’s management with finance as the specialization. You can pursue this degree from any good universities, such as NMIMS(nmims.edu ), Christ University(www.christuniversity.in ), etc.

If you are an Undergraduate, you can directly apply in banks to secure an analyst role in investment banking. If you’re doing well and interested in continuing, and there’s a need, some banks offer direct promotions from analyst to partner rather than asking you to go back and get your MBA done.

Suggested Master’s degree:

MBA (Master in Business Administration) in finance specialization helps in total understanding of the Finances, Investments, and Market Share Portfolios.

In recent days, the demand for business analysts in investment banking is also growing rapidly so Masters in Business Analytics with a finance background in graduation can be a good choice too.

If you are an MBA graduate, you can apply in banks for the purpose of landing into a position of Investment Banking Associate and surely aspire to move up the ranks to Managing Director someday.

Further studies:

A career in Investment Banking doesn’t stop here. To reach a senior position in investment banking early, you can opt for certifications, such as CFA (Chartered Financial Analyst). CFA is highly beneficial for a person pursuing a career in Investment Banking as it is a globally-recognized professional credential in Financial Management & investment offered by CFA Institute. It is also one of the most desirable designations for investment professionals.

Eligibility: So if you wish to go for a CFA certificate, you can apply only after completing your bachelor’s degree and you must have at least 4 years of experience.

If you are eligible for writing this exam, then you can apply for the exam. The CFA exam has three levels: CFA Level 1, CFA Level 2, and CFA Level 3. These exams are conducted in areas related to Economics, Accounting, Security Analysis, and Money Management.

Besides the CFA Exam, the CFA Institute offers two other programs: 1. CIPM (Certificate in Investment Performance Measurement), which has 2 Levels, & 2. Investment Foundations Program. To gain in-depth knowledge about all the programs, visit the website www.cfainstitute.org.

If you pursue any of these programs, you will gain in-depth knowledge of the investment industry which increases their probability of landing into a high paying job in the top companies given below.

Companies hiring Investment Bankers:

A Career in Investment Banking can be very thrilling when you get to work with the top companies such as:

JP Morgan Chase

Goldman Sachs

Citigroup

HSBC Holdings

Aditya Birla Capital

Skills Required:

Well, to get into such top companies is no stroke of luck. The role of an Investment Banker obliges some skills in a candidate. You should have the following skills to be a successful Investment Banker:

Analytical Skills: Employees should have strong analytical, numerical, and spreadsheet skills.

Team Player: Individuals must possess excellent team leadership and teamwork skills.

Interpersonal Skills: Candidates should have excellent communication and interpersonal skills.

Time and Project Management: Investment bankers must be properly able to manage both time and projects well.

Hard Work: The investment banking role requires a lot of commitment, dedication, and high energy.

Confidence: The job demands individuals to have self-confidence and an ability to make difficult decisions timely, usually while under a deadline.

Various Domains in Investment Banking:

A Career in Investing Banking is not limited to securities only; it has multiple domains:

Investment Banks are intermediaries between a Company that wants to sell new securities and the public, who wants to purchase those securities. And an Organization hires an Investment Bank anytime it needs to sell, say, new bonds to get funds to redeem an older bond, or to pay for an acquisition or new project. The Investment Bank then calculates the worth and expense of the company with a view of pricing, buying, and then selling the bonds.

The scope of the Merger and Acquisition(M&A) consulting services provided by Investment Banks typically applies to various facets of purchasing and selling businesses and assets, such as company valuation, negotiating, pricing and deal structuring, as well as procedure and execution. When Investment Banks counsel a buyer (acquirer) on a possible purchase, they often also help conduct due diligence to reduce risk and exposure to an acquiring company and concentrate on the true financial identity of the target. Due diligence essentially includes the compilation, review, and evaluation of the financial records of the aim, the study of the historical and expected financial results, etc.

Investment bankers advise the companies which stocks to buy, which stocks to invest in, at what time to invest in which instrument, and at what price they can yield maximum profits. They also take care of the placement of securities with investors which also called underwriting. Underwriting is the process by which an underwriter introduces the investing public a new security concern into an offer. The underwriter guarantees a certain price to the company (client), who issues the protection (in exchange for a fee) for a certain number of securities.

Career preparation for investment banker:

It’s necessary to have a solid understanding of the fundamentals of accounting. First, under your belt, you should do a good Excel crash course, which will show you the fundamentals of shortcuts, formulas, and functions. Then you should progress with financial modeling classes, which will form the base of your day-to-day IB work.

Future of Industry:

A Career in Investment Banking is expected to stay forever. There would always be a need for investment bankers in the market. The advancement in technology is opening up new possibilities to increase the profitability and efficiency of employees as well. With more and more start-ups coming in and increased competition in the market, Investment Bankers will play an important role in yielding better results.

If you think, you are good with crunching numbers, passionate about mastering the complex accounting and finance skills involved in the role, you look forward to becoming an analyst with intentions of having a positive impact on the company, and have the ability to predict the market trends with reasonable assumptions, seeding the idea of becoming an investment banker might be the right career option for you.

We hope this is going to be helpful if you are planning to pursue a career in investment banking. For more guidance, feel free to connect with us and provide your feedback as well, so that we can also improve in the future.

Checkout our website for more informative blogs: https://vikingscareerstrategists.com/blog/

#career #careerpath #investment #Banking #new blog #india #commerce

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vibranium-chakra · 5 years

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Countdown

Pairing: Erik Stevens x Reader

Word count: 4.1k

Warnings: Smut per usual lol.

A/N: So this one is a request someone made in December, hence the New Year’s theme. (I’m so late lol I’m so sorry) It was a request for jealous sex. So I gave it a shot. Hope you guys like!

You were putting the finishing touches on your makeup. Smokey eye, glossed lips, and gold highlight; a simple but classic look for the occasion. Tonight was the company holiday party for your job, a New Year’s Eve celebration, and making a good impression was an understatement. It was no secret that for the past three years, your contributions at work were making waves in the Atlanta tech industry. You were one of the most talented black female coders in the area, and a highly sought out expert for new coming businesses. Company owners and city donors from far and wide would be in the building with offers for collaborations and donations to your program, and it was your job to keep them happy and entertained. You were more than willing to do whatever you needed to do to keep your rank on top, so if dressing up and cheesing for old white men was the ticket, then so be it. The planner opted for a local lounge for the event as opposed to the usual stuffy hotel ballroom. Clad in a satin red slit dress, you were more than ready to be see.

After moisturizing your hair, setting in the organic waves of the Malaysian extensions, you stepped into your bedroom to slip into your shoes and head for the door.

“I’ll be there, just hold off until then. Can you get the files from finance?” you heard from the living room. An occupied Erik sat on the sofa engrossed in a phone call with one of his assistants, you assumed. Being a director at the Wakandan Outreach here in Atlanta, Erik had been invited to the event too. You’d asked him to be your plus one a couple weeks ago, to which he strongly declined to your dismay. When you started dating almost 6 months ago, you both decided it was best to keep your situationship under wraps. You didn’t need anyone thinking he was your key into the tech business, and he didn’t want anyone thinking he showed favoritism to you or your company. By now you figured it was time to go public and just enjoy the holiday together. Erik, however, saw it as a bigger risk than you’d thought.

“Baby I’m headed out.’ you slipped out as you stealthily headed for the door.

“Okay babe, I’ll lock the do-” he started towards the door, stopping in his tracks once his eyes landed on you. His gaze traveled from your toes, painted white just like he liked, up past your supple thighs and cleavage that fit the dress like a glove. He didn’t overlook your French manicure and the special details in your makeup. His girl looked perfect.

“Damn Y/N, you know this is a work thing right?” His eyebrows furrowed in confusion, though his lip was wedged in between his teeth with lust.

“Yes,” you rolled your eyes and folded your arms. “A work thing you refused to go to with me.”

“Well if I knew you were goin’ out like this…” he muttered as he extended his hand for yours, prompting you to spin around. He stopped with your back turned to him, fully drawn in to your ass and how it sat in place against the fabric. He let out a gutting groan once he started feeling himself grow and strain against his sweats. Even though he got to see you next to naked nearly every day, seeing you dolled up did something different for Erik. It reminded him of how you would dress up for you guys’ first set of dates. Lately you both hadn’t had much time between work.

“Why don’t we just skip this thing and celebrate 2019 at home?” he grumbled into the flesh of your skin, peppering wet kisses along your neck and shoulder. You giggled at the tickle of his lips and fingers.

“I can’t baby, this is really important for me and we’ve got a lotta big faces coming.”

“Mmm my girl is so talented, so beautiful.” Erik mumbled the praises into your ear sweetly, moving to rest his forehead against yours.. “I’m so proud of you.”

You gave him a small peck and smiled against his lips. “Thank you. Now seriously I have to go. My ride is waiting.”

“You riding with Ayana?”

Here came the moment of conflict. Ayana was your best work friend, so it makes sense that Erik assumed you would ride with her. Erik had met her a few times going to work outings and conferences. Dallas Jackson, however, he didn’t take well to. Your 34-year-old supervisor was extremely easy on the eyes and charismatic for days. It was no secret that he was one of Atlanta’s most eligible bachelor. But his keen sense of entrepreneurship was what you admired, and lacked. Knowing this, Dallas had agreed to be by your side as you mingled with the big rigs.. Did Erik need to know all that? No. But you imagined how you would feel in his shoes, and it didn’t feel right withholding the information.

“Actually...I’m going with Dallas.”

Erik pulled away, jerking his head back and smacking his lips.

“Oh hell nah Y/N you know ion trust that nigga. I’m taking you,” he said blankly, sweeping his phone up from the couch and heading towards his shoes post-haste.

“No the hell you’re not, he’s my boss and he’s helping me talk to our clients. And how the hell are you gonna try to go now when I begged you and you said no?”

“That’s before I knew this nigga asked you. I ain’t having it.” He was almost completely dressed at this point, tossing his blazer on.

“Actually, I asked him.” you retorted, folding your arms and leaning your weight on your left leg. Erik shot his head up at the information, eyes glazed with malice and jaw clenching. The staring contest he was trying to hold lasted for about 10 seconds and you weren’t backing down.

“So you just gon’ ask this sneaky nigga to take you out like you single or some’, and I’m just supposed to show up and let it happen?”

“You can’t let or not let anything happen because I’m not asking. You not my daddy nigga.”

Erik unwillingly chuckled and smirked at your choice of works, leaning his head forward with a knowing look. You both knew good and well that he had definitely been Daddy on a couple of occasions.

“I’m not joking with you Erik, I needed a date and you said no, so I’m going with Dallas. Period.” You half-yelled, grabbing your clutch and heading for the door again. He stayed put in his spot, face still smothered with distaste and anger. He’s always been a little jealous, so the behavior didn’t surprise you. You wouldn’t ever tell him out loud, but the jealousy he had for you held a piece of sentiment that you liked. The competitive spirit and protectiveness he upheld in these moments made you feel wanted, safe, connected. But again, you weren’t telling him that.

“Y/N I’m serious!”

You sung out a smug goodbye, strutting out to the car and making sure that you were in Erik’s view. Served him right.

***********************

The ride to the lounge was fairly short and smooth. Dallas was dressed in a grey suit ensemble that accentuated his tall, slender figure. His reddish curly hair and low cut was shaped into a sophisticated updo that reminded you of the 30’s. Not quite your type, but handsome nonetheless.

Upon entrance to the club, you both were greeted by coworkers and other managers. The lounge was decked out in classy holiday decor, gleams of gold and silver lights along the high walls and tables. The doorways were all embezzled by glamorous satin ribbon pieces. The DJ was centered in the back of the space, currently playing a holiday selection that was scattered with jazz instruments. You casually sipped on a selected punch as Dallas chatted with an older white couple, the woman laughing infectiously. You observed the interaction closely, zeroing in on Dallas’s mannerisms. He would occasionally hold her hand or whisper in her ear, and she would blush like clockwork. From this view, you could see why Erik was cautious about him.

After a few more minutes, Dallas was back at your side, right arm draping across your shoulder..

“Okay Y/N, we got a big set of rounds to make. A few donors are ready to drop, so we’ll hit them first. You think you ready?” he asked, smiling down at you.

“I don’t know if I persuade like you can,” you said truthfully.

“Probably not yet,” he chuckled, “but you’ll learn. This is all just a game of cat and mouse. You know the business, and you look beautiful.” He eased out the last compliment fluidly. He may not have been serious, but you’d be lying if you said it didn't make you want to blush just like the woman he was just talking to. “Just be confident, and go with the flow. And when all else fails, let the dress do the talking for you. ” He nudged at your side playfully, pulling a more relaxed smile out of you. You accepted the small comments as platonically as you could and relaxed.

For the next two hours, you were joined at the hip, moving around from person to person. You had almost established a routine; if it was a woman, you would strike up conversation by complimenting her dress or shoes, and Dallas would segway into a pseudo-deep explanation of your company’s mission and goals to appeal to the ethos. For the men, he would introduce you and have you explain your programs, and you would do so while trying to ignore the old man’s eye on your breasts or legs. At any rate, each encounter ended with a check written in hand or a scheduled follow-up meeting to discuss donor options. It was astounding to watch Dallas memorize these people’s stories and lives and be able to recite it back to them. He was like a machine. You two were dynamic and racked up donations and collabs like it was nothing.

Every hour it struck close to midnight, you two would take shot or drink. You had just taken another when you finally spotted Erik walk in with a few guys from the center. He spotted you out like a sore thumb, but didn’t dare speak to you. Everywhere you went with Dallas, you could see him out of the corner of your eyes, smiling and laughing with everyone. Women were flocking to him like magnets, and you couldn’t blame them. All black suit and shirt, dreads pulled effortlessly, but neatly to the back in ponytail, gold jewelry, Tom Ford dress shoes. A staple look for Erik that you never got tired of. What you didn’t see was how irritated Erik was getting as the hours went by, noticing yours and Dallas’s body language loosen up with every drink. If he didn’t know it, he would think you two were actually dating. It killed him.

It was now 11:37 pm, and soon after you lost count of how many people you’d met so far, your feet were begging for relief. Dallas picked up on your disinterest and excused you both from the older couple, leading you over to the bar. He helped you perch up in the high-set barstool and sat in the one to the right of you.

“Thank you, you don’t know how bad these heels are killing me,” you admitted as you rotated your ankles to recover the sensation in your heels and toes. He chuckled at the faint expression on your face.

“Well they look incredible, and thanks to you we’ve almost pulled in more contributions in one night than we had all year. All praise to them heels baby,” He put his hands up in surrender, pretending to bow and kneel. You cracked up at his serious expression, shamefully gushing.

“Shut up. For a second I thought I was gonna be overdressed.” you mumbled, adjusting your neckline.

“No such thing for something like this. These old niggas let their eyes do the thinking, and between your knowledge and that,” he motioned towards your dress, “they’re stuck like magnets. If I was your man I’d be scared to let you out the house like that.” He threw a playful wink before grabbing the attention of the bartender. If only he knew how close to home he’d hit.

“Champagne?” You thanked him as you took the tall slender glass from his hands, sipping and savoring the crisp and sweet beverage. You closed your eyes in bliss and opened them, only to be met grimly with a set of eyes you weren’t expecting heading your way. The sight sent you into a coughing fit before you even realized it.

“Y/N you okay?” Dallas urged, tending to you urgently. He patted your back until you calmed down. “Breathe, breathe.” You allowed the even breaths to get you back to normal. All the while, Erik fixed his eyes on the interaction until he was right in front of you.

“Can we help you?” Dallas asked, orientating his body towards Erik.

“Nah, we good fam. I got it from here.” He slid right past Dallas to stand in front of you.You peered your eyes up at him menacingly. There was no way he was really doing this. You were dreaming, maybe.

“Excuse me?”

“I said we good, bro.”

You stood up immediately, placing yourself in between the two.

“I’m sorry D, this is my...a friend of mine, Erik Stevens.”

“Ohhh I remember from the outreach program, nice to see you man.”

Erik stared at the man’s extended hand once before mugging back at him, uninterested in the gesture.

“Like I said we cool D, she wit me for the rest of the night.”

“Ah can you give us a minute please Dallas?”

“You sure?” he asked cautiously, unconvinced that Erik was in his right mind and was safe for you to leave with. You probably would’ve thought the same thing if you were in his place.

“She asked you nicely to leave, I’m not gon’ fuckin’ ask you dawg.” Erik asserted himself towards Dallas. He had officially lost his mind. Erik followed you as you dragged him towards the back of the lounge until you arrived at one of the private powder rooms. It was very spacious and lush, accompanied with a vanity mirror, granite countertop and a velvet bench. Erik followed in as you locked the door.

“Have you lost your damn mind?!” You gritted threw your teeth.

“Me? You lost your damn mind if you think I’ma let that nigga parade around here with my girl like that!”

“Newsflash nigga, I am not a piece of meat, I can make my own decisions! Just like you decided not to come with me tonight, right? And second of all, technically you’re not my boyfriend. What was I supposed to do, not let him touch me?”

“He touched you?!” he raged, leaning towards the door.

“Erik you’re going crazy! What do you want me to do, huh? Go out there and tell my boss to fuck off? Or tell the donors to not look at me while I’m trying to rally their support? This is my job Erik, a job I’m damn good at. I’ve been working hard to get to this point and Dallas was helping me with that. Do you even care to know that we pulled in more donations tonight that we’ve done all year?”

Erik remained silent at the statement, shame settling in.

“Of course not, cuz all you care about is who’s looking at my ass.” you retorted, turning towards the mirror. You wanted to just leave his ass in here, but you were too embarrassed and ticked off to face Dallas again now. Erik slumped up from the bench and came behind you, wrapping his arms around your waist.

“Look baby, I’m sorry. I tried to stay away but all I could see was that nigga touching on you and talking shit, and you look so damn good tonight.” he kissed your cheek before looking at his and your reflection in front of you.

“And the fact that you’re jealous gives you the right to act an ass?”

“No, no it doesn’t. I didn’t mean to flip out like that, I just…” he sighed running his hand across his face. “I fucked up didn’t I.”

“Yeah genius, you did.” you shook away from his grasp turning towards him.

“Look I’ll talk to dude. Tell him I was drinkin’ and got caught up. It’ll be fine.”

“That’s not gonna fix this Erik, Dallas isn’t the problem.”

He studied your face for a minute, seemingly putting an answer together. The truth was, he trusted you with everything in him; he trusted you with his life. The past months with you had been some of the most transparent and memorable moments he’d ever had with a woman. You made him feel at home, a feeling he never wanted to lose. Perhaps that fear was exactly what kept him up in arms.

“I trust you, okay? Shit...it feels like I trust you too much sometimes. You’re one of the only people I trust, and that’s probably why I can’t stand seeing someone shiesty like that nigga come around you. I really am sorry, Y/N.”

You digested his words, and hated yourself for almost succumbing to him. Your time with Erik has taught you about his trust issues with the world, and you knew deep down that learning to be transparent with his feelings was a process. His constant need for your approval stemmed from something in his past that he didn’t want to revisit. However, you weren’t interested in becoming the punching bag for his insecurities.

“Can I tell you something else?” he murmured.

“What?”

“You look sexy as fuck when you’re mad at me.” He grinned, purposely letting his golds show. His whole demeanor had changed, and you’d be lying if you said your body hadn’t noticed. He picked you up quickly set you atop the vanity.

“No no no no, you’re not about try to pull me back in with some compliments and a cute face.”

“I can’t compliment my girl now?” he grumbled into your neck and collarbone, sucking gently. The sensation was unexpected, pulling sounds from you against your will. The devil knew your spots and weaknesses too well, especially when liquor was in your system.

“I’m not your girl remember?” You moaned out as best you could. Erik didn’t seem to care, his kisses getting sloppier and hungrier. The party sounded like it was picking up once you heard the DJ announce that there were 15 minutes left until midnight. Erik had moved from your neck towards your chest, and then quickly to your legs. He opened them by gripping your knees and proceeded to meet face to face with your pussy underneath a lacy black thong. The inside of your thighs had emitted enough heat to have the aroma hitting his nose. As angry as you were with him, he knew this might be his last time tasting you for a while. He groaned at the thought of that before pulling your panties to the side and diving straight into your lips.

Erik ate your pussy like he would never eat anything again. He shifted between sucking you up whole and flicking at your clit. As usual your mind went somewhere else; eyes shuttering, mouth stuck open, legs twitching. You tried to focus on not making too much noise up until he pulled away and full-on spit directly on your pussy and slapped it before eating it again. The vulgar move shocked you, causing you to peer down at his smirking face. He knew his girl liked the back of his hand.

“Mmm you eat my pussy so good baby,” you cooed at Erik, your hands moving to cradle his head. The small gesture of affection motivated him. He fucked you with his tongue expertly, hitting just the right spot. You were only a handful lip smacks and sucks away from cumming directly into his mouth. He used his power over your orgasm to mess with your head.

“You think that nigga can fuck you better than me?” he muffled out, face stained with your juices.

“No, baby.”

“Can he eat your pussy like this?”

You shrieked in fear, almost falling off the vanity from thrashing your legs. Erik anchored you down gently by your stomach to keep you steady and giving himself better access to your G-spot.

“You forgive me?”

Unfortunately, you weren’t that close.

“Ughhh, noooooo!” you hollered out, though it came out more like a loud moan. He didn’t like that; he was determined to break you.

“You sure?” This time, he kept his eyes on you during his attack. Seeing Erik on his knees, which was rare, and looking directly into your soul was sending you upwards. You both knew that you had forgiven him as soon as he started kissing you,but verbally saying it was another thing. Your hearing started to weaken aside from the repetitive sucking sounds against your clit until the waves of pleasure rushed over you and out onto Erik’s face. You were out of breathe at this point, panting as his expanded lips kissed yours.

“I think your body is saying otherwise princess.”

“Just shut up and fuck me.”

He chuckled at your boldness. You’d managed to get up on the countertop on all fours, thong removed and dress pulled up above your waist. Erik marveled at your round cheeks and spread lips peeking out, arched just for him. He massaged them before tasting you one more time, then proceeded to undress his bottom half and press into you. The strokes were absolutely perfect, alternating between quick and hard to slow and slippery. As sated as he made you feel, you knew it had been a while since you stepped away and you needed to get back out to Dallas as to not raise any suspicions. Erik was purposely playing with your nut and you weren’t having it.

“Erikkkk I gotta g-, I gotta get back out there.”

“You want me to stop?”

“No I want you to make me cum,” you scowled looking back at him with a look that dared him to stop. Your pussy clenched at the sight of him watching you, making him hiss out.

“Shit, your pussy too good to rush baby. You should see how creamy yo-”

His praises were interrupted by the DJ calling out that there were 5 minutes left until countdown.

“Erik!”

“Okay! Whatever you say.” Erik grappled one hand around your waist and started pounding you. He covered your mouth with his other hand once your moans turned into small screams..

“Careful what you wish for princess,” he grunted out between strokes, not that you heard him. You were focused on heat rising in your stomach and flutters spreading. Erik slowed down, still stroking expertly, determined to get his apology from you before letting you cum.

“Tell me you forgive me.”

“Stoooppppp Erik,” you groaned out. If you weren’t so close you might’ve started fighting him.

“Tell me and I’ll give you want you Y/N,”

“No! Shit fuck it,” you rose your upper body up from your elbows to perch on your hands, throwing your ass back athletically. If he wasn’t gonna give it to you you were more than prepared to take it. Erik’s strategy fell apart right in front of him, weak under your control.You were milking him at this point, pulling strings of curses and compliments from his lips. If this is what unforgiveness felt like, he considered making you upset more often.

The next thing you knew it was ten seconds until the new year. You continued to ride Erik to the sounds of the party congregation yelling and counting down, encouraging the orgasm you’d built up to release.

“10, 9, 8, 7, 6….”

“I feel that shit Y/N c’mon, I’m right there with you.”

He started to meet your thrusts with his, climbing towards his own climax.

“5, 4, 3, 2, 1….HAPPY NEW YEAR!”

The cheers and applause fluidly swallowed the sounds of you and Erik’s screams and orgasms. Though you were still worried about Dallas and your friends, neither of you could imagine a better place to be going into 2019.

You both caught your breath and started to freshen up quickly.

“You still don’t forgive me?” he asked buttoning up his pants.

“No, Erik I don’t. You embarrassed me from

You rolled your eyes at him through the mirror while reapplying your lipstick. Finishing and putting your makeup back in your bag, you threw him a hell no over your shoulder as you headed out the door carefully.

“More makeup sex for me,” he threw back.

Once the coast was clear, you headed out stealthily to the dance floor. You played at the hem of your dress, jumping at the touch of someone’s hand on your shoulder.

“Hey girl where’d you go? You missed the countdown?” It was your coworker Ayana.

“Oh I was in the restroom. Too much champagne girl,” you giggled out nervously. She gave a knowing smirk and mmmhmm at your statement, as if she knew something was up.

“What?”

She averted her eyes downward st your dress. You inspected closely until you landed on a white wet stain on the hem of your dress.

You definitely weren’t forgiving him now.

Taglist: @amethyst1993 @thehomierobbstark @chaneajoyyy @hadtocomeoffigsotheycantstalkme @iamrheaspeaks @nickidub718 @raysunshine26 @wakanda-inspired @cancerianprincess @royalhearts

#black panther fanfiction #erik killmonger #erik stevens fanfiction #erik killmonger fanfiction #erik stevens

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phynxrizng · 6 years

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You are here: Home / Daily Astrology / Astrology of Today – Tuesday, September 11, 2018

Astrology of Today – Tuesday, September 11, 2018

Sep 9, 2018 by Annie Leave a Comment

September 11, 2018 – Click to enlarge

Today’s Moon:

The Moon is in Libra.

The Moon is void from 6:57 PM forward (until tomorrow at 2:14 PM).

The Moon is waxing and in its New phase.

We are in between the New Moon (which happened on the 9th) and the First Quarter Moon (which will happen on the 16th).

Retrogrades/Stations:

Mars is in its post-retrograde shadow until October 8th (Mars was retrograde from June 26th to August 27th).

Venus is in its pre-retrograde shadow (Venus will be retrograde from October 5th to November 16th).

Current retrogrades: Uranus, Neptune, Pluto, and Chiron.

Ingresses:

Mars spends its first full day in Aquarius (Mars transits Aquarius from September 10-November 15th).

**Times are Eastern Daylight Time (EDT).

Daily Horoscopes/Astro Highlights for each Sign:

Aries

Your mood is positive today, dear Aries, and you’re feeling pleasantly motivated and ambitious. There can be an improvement or growth in a relationship, in your intimate life, with a co-worker, or with work itself that feels good. Putting a long-standing problem behind you can be part of this. Focusing on activities that help advance your practical goals, such as a resume or a project, can be particularly useful and fruitful today. Look for ways to reform, renovate, upgrade, and reorganize your work instead of giving in to the lure of brand new projects. This can be a good time to clarify a matter or clear the slate with your reputation, as well. Lifestyle and health improvements are empowering now. It’s also a time for gaining a better understanding of your long-term goals and capabilities. Despite recent pressures, or perhaps as a result of them, you can feel pleasantly capable, competent, and ambitious.

Taurus

This can be a time for enjoying warm, happy exchanges with others that lift your spirits, dear Taurus. You may be motivated to start fresh or breathe new life into your creative or romantic world, and your interactions are confident and focused on a bright future. Someone in your life can boost your confidence or inspire you to improve. There are supportive aspects happening between your partnership, joy, and inspiration sectors, suggesting an easy time establishing rapport with others. You might also enjoy a sense of mission or purpose through your relationships or ideas and plans. There can be a fantastic exposure to a new perspective, lifestyle, or culture that expands your mind and opens your heart. These aspects also encourage you to connect more deeply with personal interests or hobbies. Problems seem more resolvable with the determination you feel now.

Gemini

You’re pouring more heart, love, and energy into your home life and work or health endeavors these days, dear Gemini, and today, you’re likely to thoroughly enjoy advances in any of these areas. Home life is fulfilling as you seek to make improvements rather than focus on the flaws. Enjoying the company of loved ones and family can figure strongly now. You’re feeling comforted but also optimistic, ready to make progress and keep the good times rolling. You may recognize what you need to change on the inside to attract more positivity into your life. You’re in a goal-setting frame of mind, and you’re excited about working towards them. There is good energy for warmth and understanding in a close relationship. Influences today encourage you to take charge of your emotions. Rehauling and improving something can be attractive, particularly related to home and family or other intimate relationships.

Cancer

While there can be some instability to deal with now, dear Cancer, there are supportive influences with you that help you find the right path. You might do some restructuring of activities and make improvements to your projects and possibly also your relationships now. Communication is the key today. You may be connecting with people and information that helps you get closer to your goals. You’re putting more of yourself into your learning endeavors, personal interests, writings, dating, or creative worlds, and today, you may enjoy an advance in one or more of these areas. You might connect with someone special or with an original idea that benefits you. You can feel inspired to pursue a learning challenge, or you’re setting up goals in these areas that motivate you. Matters of the heart can be intense and magical. It’s a time for connecting with your heart’s desires, and pursuing them, too!

Leo

You can experience a very pleasing sense that you’re moving forward, and this opens up your options today, dear Leo. It can also fuel your ambitions, particularly in the practical world. You’re likely to feel a sense of accomplishment or hopefulness in business, and a stronger feeling of connectedness in your personal life. You enjoy a feeling that you’re growing and heading in the right direction with business or family, or both! You might experience a renewed commitment to living well or with more attention to good health. There can be a wonderful home-work or home-health connection that gives your life a boost. You might also discover activities and projects that make full use of your talents and skills, and these can be showcased quite beautifully today and tomorrow. Your desire to improve, grow, and develop is strong, especially regarding income, work, and health.

Virgo

Enthusiasm and confidence are strong now, dear Virgo. You’re in an excellent position to express yourself creatively, learn something new, develop your studies or pet projects, take a short trip, or apply yourself to a project. A meaningful conversation or resolution to a problem can open up doors for you. This is a time for feeling very determined to give a particular project, relationship, or endeavor your all. Status quo won’t do for you now! Growing and improving are your interests. Your resourcefulness helps you turn something old into something new, or turn a negative into a positive. You may get the chance to showcase your creativity, and studies can be particularly rewarding. This may also be a good time for making long overdue changes on the homefront. What you’re learning now can benefit you greatly in the long term.

Libra

This is a good day for making improvements, dear Libra, and you’re likely to find that you have the confidence and motivation to get moving on a plan of action. You can feel very much in charge of your emotional life, including family and home matters. You need time for introspection, rest, and processing or digesting recent experiences, and you’re likely to make good use of these things. It can also be a time for uncovering a resource or information that benefits you. You feel stronger from the inside out, ready to tackle a problem or take on a challenge. It’s a good day for business and money-making ideas, too, particularly when it involves big-picture thinking. Renovations on either a physical or emotional plane are in order now, and they’re sure to positively impact your life for years to come.

Scorpio

Relationships with others can be strengthened with communications and gestures of reaching out, dear Scorpio. Or, news or ideas exchanged now can light a fire under you, motivating you to get ahead, succeed, and improve or take on an exciting long-term project. A friend can provide you with a sounding board or a bit of feedback that helps lead you to fabulous ideas. You quickly gain support and cooperation from others today. The desire to break free from a limiting situation or mindset is intense now, and also completely possible. Communications and learning can be in sharp focus, and you’re likely to excel in these areas. In fact, it’s a stellar time to write, speak, publish, or guide. There may be some issues to deal with in your close partnerships today, mind you, that can throw you off-center briefly, but which may also lead to improved dynamics.

Sagittarius

This can be a time for feeling especially vital and optimistic, dear Sagittarius. The Sun at the top of your solar chart receives a boost from Jupiter in your privacy sector and Pluto in your resources sector, encouraging some level of solitude to solve problems and draw upon your intuition and experience or wisdom, as well as an exceptional eye for priorities — what’s truly worth your time and effort. Knowing what you truly value can improve your approach to career, finances, and personal possessions. Giving back or supporting others can be rewarding now. Motivation and ambition are building. Income may get a boost from imaginative undertakings, psychic or helping professions, or other work behind the scenes. Your spirit now is constructive and growth-oriented — you’re ready to turn a negative into a positive, or a difficult situation into an opportunity to grow and improve. There can be financial gains or turnarounds, or you may be revamping a project, finalizing a long-term plan, or cementing a business alliance.

Capricorn

You’re in a good position to feel a strong sense of purpose and mission today, dear Capricorn. You have a handle on your priorities, and making improvements and renovations on more than just physical levels is highly favored now. Learning and exploring beyond your usual bounds can be rewarding and satisfying, and you’re up for a challenge, pushing yourself just a little out of your comfort zone with good results. You can be exceptionally passionate about what you believe in, and very convincing and persuasive with others. You may be forming a meaningful friendship or association now. Helping others or learning new things can be especially pleasurable. You might be attracted to a new line of study or feel motivated to explore a topic more deeply.

Aquarius

Your optimism and confidence outshine small problems today, dear Aquarius. Venus is opposing your ruler, Uranus, and this can throw you a bit off-center. However, you have a clear sense that you can improve your life and manage what you have before you. There can be opportunities to connect, converse, support, and resolve problems now. There may be a mystery to solve that’s satisfying. Or, you might learn something of real value about your career or an intimate partner. Advances may be made with support, money, backing, and business. You’re feeling empowered, ready to take on whatever challenge comes your way. Emotionally, this is a time for taking charge and working on changing your life from the inside out. This may involve controlling or redirecting impulses that no longer serve you well or identifying self-destructive patterns and working on eliminating them.

Pisces

There can be some happy and encouraging exchanges today, dear Pisces, making it an excellent time to be around others. You may be enthused about and drawing up plans for writing, speaking, and learning or conversing with someone special. You’re looking to make progress, grow, and improve and you don’t want to meet the same problems with the same attitude – it’s time to change things up. Close relationships and partnerships benefit significantly from sharing ideas and plans, or people have useful or inspiring things to share with you. You’re in a good position to make rewarding connections that last. Efforts to strengthen a partnership can be worthwhile now, and pushing boundaries just a touch can lead to impressive results.

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chartered4-canada · 3 years

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A Guide For Boat Buyers

Canada is bestowed with a wide array of waterways. And therefore, boat culture is instilled not just in the Canadian population but amongst the tourists who travel across Canada during the holidays.

With so many online venues for boat, yacht and kayak rental Toronto opening up, water activities are becoming immensely popular.

If you're a water experience enthusiast, you might have thought or currently planning to buy a boat. While buying a boat is definitely an exciting option, you can enjoy the same benefits when you rent a boat Toronto.

We aren't discouraging you from buying a boat. However, we'll elaborate on the benefits and processes of buying and renting a watercraft to help you make an informed selection.

Let's get started.

A Guide For Boat Buyers

The decision to buy a boat may come with innumerable questions. Which model should you buy? Which boat is fuel efficient? Should your yacht have sails, motors or both? Which pontoon is faster?

When you rent a yacht Montreal, Toronto or any other city in Canada, you get a complete description of the watercraft features that helps you choose your ideal ride.

First, let's discuss the categories of watercrafts available.

What Type Of Watercraft You Should Buy?

The model of boat you want to buy depends on how you want to enjoy the water. Do you want it for sporting, fishing, hosting boat parties, family outings, barbeque parties, water adventures or simply for renting out?

Bowriders: Bow refers to the front part of the forward or front part of the craft. Bowriders offer seating space in the bow of the vessels. Depending on your budget, you can find a luxury design or a basic economic design.

Yachts: Yachts are vessels specifically designed for leisure and recreational purposes like hosting lunch parties, water sports, fishing, cruising, etc. You can spend as extravagantly as you want on your yacht.

Fishing boats: These crafts are specially equipped and designed for fishing activities like sport fishing. When you rent a boat Toronto through online venues, you can pick watercraft offering special fishing provisions.

Pontoons and houseboats: Modern pontoons are not always like the renaissance pontoons that you've seen. Pontoons are flat bottomed boats offering enough space to stay and enjoy the craft. A perfect vessel for a family outing.

High Performance Power Boats: These boats are equipped with high-power engines that help you race against the water at high speeds. Depending on how luxurious you want your craft, you can get sleeping and dining areas within the vessel.

Sports Water Crafts: These vessels are designed only for sporting activities like jet skies, rafting vessels, kayaks, etc. At online venues for boat and kayak rental Toronto, you can search for vessels depending on the type of sport.

Do your research before you choose the type and model of your boat.

Should You Buy A Used Boat Or A Brand New Vessel?

With little research, you'll find numerous second-hand oats costing much less than the same brand new model. Modern boats are built with fibreglass and aluminum, which don't warp or rot like conventional wooden boats.

You can save a significant amount of upfront costs when you buy a used vessel. However, it also increases the variables. You may need to pay more on maintenance if the used boat is not in good condition.

When you rent a yacht Montreal, you don't need to worry about the maintenance. You can just hop on and enjoy your ride. You can even connect with the owner to understand the vessel's current condition to negotiate your rent.

Browse Through Multiple Listings

Buying a boat involves considerable finances. Therefore you need to have complete knowledge of the vessel you're buying. Compare models, features, prices, or take virtual tours from various listings to get an adequate understanding.

You can customize your search by location, boat type, length or model name.

It can be disappointing to see a stunning picture of the craft only to discover it's far from even satisfactory when you go for a physical visit. Follow these tips to prevent such disappointments and waste of time:

Compare the images uploaded by the owners between similar models to identify what isn't mentioned on a specific listing. It might be a red flag feature for that boat.

Compare highlights or descriptions between listings to understand what you will get with every deal and what's different about each specific vessel.

If you're planning to buy your boat from a dealer, browse through the rest of the listings as well. This'll help you get an idea of the overall business.

Stay away from boats that offer numerous components that you may not use or are outdated. Later they'll unnecessarily add up to your maintenance cost.

Check the dealer reviews. A good dealer can help you with the maintenance, upkeep and other post-sales services.

Once you've finally narrowed down your selections, you'll need to go for a physical visit and test run before closing the deal.

When you rent a boat in Toronto, you can easily skip this painstaking part of the physical visit and identify red flags.

With online rental venues, you can chat with the owner, compare the listings, photos and descriptions and pick the one that best suits your budget. In case of doubts or queries, you can directly chat with the owner.

Physically Inspect Your Boat

The physical inspection involves the following stages:

A superficial inspection comparing the boat condition, features, etc., with what was mentioned in the listing and shown in the pictures.

If you're stratified with the initial inspection, take a test ride to access the vessel's performance in the water.

Before progressing to the final purchase, don't forget to make arrangements for hauling the boat for inspecting the hidden parts in the water. The part hidden below the waterline is critical for your safety and enjoyment.

Get a professional surveyor to get the condition of your boat inspected. When you go for obtaining an insurance policy, your craft anyways needs to undergo a professional inspection.

When you rent a yacht in Montreal or anywhere in Canada, you don't need to conduct such an extensive inspection.

On the day of your trip, you can just look out for the safety features and general condition to know if it was worth the rent you paid. No need to get it hauled or professionally inspected.

Renting a boat from online venues for yacht and kayak rental Toronto can be done in a few easy steps:

Browse through the listings and select the vessel that suits your requirement.

Send an inquiry directly to the owner and close your deal.

Make the payment, and your ride is ready.

Reach the agreed-upon location and hop onto your boat for an ultimate water experience.

#kayak rental Toronto #rent a boat Toronto #rent a yacht toronto

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investment-banking · 3 years

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Middle Market Investment Banking & Capital Markets

Regional corporations sometimes give attention to transactions under $300 million to keep away from competing in opposition to higher-recognized nationwide center market funding banks. Remember, nonetheless, that every one these companies can manage transactions of serious dimension, however they've found marketing to the middle of the middle market more productive. Also, the services supplied could also be extra around monetary due diligence than traditional advisory services. Here is an inventory of mid-market funding banks that provide funding banking/company finance advisory services to medium capitalization companies. Although there are no onerous and fast rules for what's defined as center market, these corporations will generally be too small to be banked by the Bulge Brackets. Each of the bulge bracket banks operates internationally and has a big international, in addition to domestic, presence go here.

We provide strategic counsel on mergers, acquisitions, capital markets, monetary restructurings, valuations & opinions, and different corporate finance needs. The funding banker can present perception into the implications of the enterprise strategy on shareholder worth, how the enterprise can be seen in the marketplace, and the alternate options for realizing value at some future date. The relevancy of these opinions is based upon the investment banker's information of the consumer's enterprise and trade. For exactly this purpose, an investment banker usually specializes in specific industries. Focus Strategies focuses on merger and acquisition advisory, elevating capital and providing strategic advisory services for founder-owned middle market corporations.

Board Advisory

that present merger and acquisition advisory services along with audit and accounting companies. Deal value in the third quarter was up ninety eight p.c from the second quarter, in accordance with updated data from Refinitiv.

We ship center market expertise to entrepreneurs, financial sponsors and large corporations, customizing recommendation and applications to assist purchasers maximize company development and worth potential over time. Because information and details about the virus shifts typically, this microsite might be updated frequently to share the latest – or evolving – perspectives from Lincoln’s funding banking advisors. As a business proprietor, you might contemplate transitioning ownership of your company to a 3rd party, or you may need been approached by a possible strategic or personal equity purchaser.

Over the last decade, KPMG has been spreading its wings within the financial companies domain and has efficiently carved a distinct segment for itself in the middle market investment banking area. KPMG has decades of experience and data along with a vast network of purchasers spread throughout nations which completely trust KPMG the model. It is a financial advisory and asset management firm and earns its revenues mostly from mergers and acquisitions. Lazard MM is into asset management, investment banking, and different monetary companies and caters largely to the institutional shoppers. William Blair offers a variety of financial providers from fairness analysis and brokerage, asset management, personal equity, and funding banking.

Middle market investment banks will provide the standard advisory companies expected of an M&A firm. A middle market investment bank is an funding establishment that takes on assignments solely for mid-market mergers and acquisitions (M&A) transactions. Typically, the providers offered by these funding banks (also called i-banks) shall be restricted to promote-aspect, purchase-aspect and financing engagements. Mid market investment banks will normally not engage in leveraged finance, equity capital markets, debt capital markets or restructuring in a public market house. They may present all encompassing services for privately held mid market organizations.

Bulge Bracket Investment Banks: The Superstars

The challenge for an funding banker is to take care of a present roster of lenders and investors and the continuously altering appetites of each. Based in Austin Texas, Focus Strategies has earned a popularity as a premier center-market investment financial institution centered on serving the distinctive wants of privately held companies seeking capital or possession transition.

Accordingly, funding bankers concentrate on figuring out certain markets, industries, and kinds of businesses. Most of a neighborhood agency’s transactions will be lower than $30 million; however, all will seek much bigger opportunities. Yet, the level of service required by a bigger transaction makes it tough for local companies to compete with the extra distinguished regional and middle market investment banks. Local companies would possibly self-describe as “lower middle market.” The list of local investment banks is simply too lengthy to list here. These firms are often discovered by way of referral sources, similar to attorneys, accountants, and wealth managers. PCE started as a local funding financial institution, as did many of the firms on these lists. Founded in 1990, CIBC Mid-Market Investment Banking is certainly one of Canada’s main mergers and acquisitions advisory firms.

Moreover, he must have knowledge of the dynamics and economics of the enterprise and its business. Founded by Gary Valdez in 1999, Focus Strategies was built on the precept that how we conduct enterprise is as essential as advising and advocating for our shoppers’ greatest pursuits. From that basis, Gary assembled a team driven to construct lengthy-time period relationships based on a highly personalised approach to investment banking with integrity and belief at the heart of the process.

Private banking consists of personalized financial providers and products offered to the high web value individual shoppers of a financial institution or other financial establishment. Our in-depth business and product data, mixed with intensive transaction expertise and global financial sponsor coverage, enable us to persistently achieve excessive-high quality, profitable outcomes for our purchasers.

What Are Center Market Investment Banks?

Investment banking compensation may not range all that a lot between working for one of the largest bulge bracket banks as in comparison with a smaller, elite boutique financial institution. While the bigger banks generally handle bigger deals, those deals are few and far between smaller offers. Also, the smaller investment banking corporations wouldn't have the large overhead bills of the bulge bracket banks, and therefore, often, manage bigger revenue margins from which to recompense workers. Looking forward to future career alternatives, experience at one of many major bulge bracket banks typically appears finest on a resume, simply due to the name recognition. Investment banks coping with this market could concentrate on sure industries, for which they employ a cluster of excessive-experience individuals. For example, a banker might only settle for business from shoppers in the excessive expertise, natural sources, or well being care industries.

It was fashioned with the purpose of providing sound and unbiased advice from skilled and qualified advisors to enterprise house owners who were dealing with challenges of their industries. Lazard MM has a name and status to again its core enterprise, mergers, and acquisitions. With such strong connections out there, coping with private fairness purchasers turns into a lot smoother and reliable. People often need a clear-reduce division between massive and small, but the reality isn't at all times simply black and white. A boutique firm is a small monetary firm offering specialised and personalized funding administration, banking, or niche monetary providers.

Buyers' Choice Making Course Of & Why You Need To Comprehend It Earlier Than Going To Market

In reality, its M&A department is considered to be probably the greatest and is understood to be fairly aggressive in its strategy. Houlihan Lokey has created a name middle market investment bank for itself in lots of international circuits. It focusses on plenty of industries be it automotive, healthcare, aerospace, real estate, meals, telecommunications, sports et al.

It supplies the large picture of Wall Street’s job market and acts as a career guideline for you to land your dream job. There are at all times ways to enter prestigious Private Equity firms, Hedge Funds for Middle Market Bankers, so long as you could have a detailed motion plan to exit Investment Banking. The expression "bulge bracket" describes a company or corporations in an underwriting syndicate that issues the biggest quantity of securities on a new concern. The companies featured on this website is probably not obtainable in all jurisdictions or to all individuals/entities. By using this website, you consent to our use of cookies in accordance with our Privacy Notice.

Knowledge and skills gained from funding banks can totally apply in these fields. somewhat restricted with entry into small or mid-measurement private equity and hedge fund firms. A bank is a financial establishment licensed as a receiver of deposits and can also provide different financial providers, similar to wealth management.

We are selective in regards to the engagements we undertake and have an excellent track record of getting the best value for our shoppers across every of the business verticals we serve. In the past decade, Scott-Macon specialty trade teams have included business providers, shopper merchandise, industrial and automotive, healthcare, transportation and logistics and media. As one of the high funding banks available to mid-sized companies, Scott-Macon repeatedly assures lengthy-time period success by redefining the investment world’s most impactful cornerstones. Over 3,500 advisory corporations and 1,800 corporate and monetary consumers have joined Axial to effectively join with relevant capital companions, source actionable offers, and build new relationships. Usually, mid market investment banks will provide fairness research protection. Analysts at mid-markets are often considered objective and regularly win Institutional Investor awards for high quality analysis.

They occupy the middle ground between smaller regional funding banking firms and the large bulge bracket funding banks. Middle-market banks often work on offers that begin across the regional level and go as much as close to the bulge bracket degree, typically starting from about $50 million up to round $500 million or extra. Middle markets are normally also in the center ground as far as geographic reach, having a considerably larger presence than regional boutiques however falling short of the multinational scope of bulge bracket banks. Houlihan Lokey – Recognized globally as an advisory-targeted agency and as one of the best center market funding banks. Services embrace monetary restructuring, company finance, and monetary advisory companies associated to mergers and acquisitions. Most of America’s investment banking corporations may be categorized as center market, with companies focusing on transactions under $1 billion.

Harris William & Co. has built a model name for itself by largely specializing in LBO companies. Harris William & Co. did simply that and has strong and deep connections in non-public equity network. Lazard was based in 1848 and was included in Hamilton, Bermuda, though it runs its operations from New York United States. It has more than 2600 workers across its various workplaces in more than 42 cities throughout 27 international locations with its main presence within the United States.

And at my agency the MDs do very little outside of sourcing and closing deals. Of the BBs, I can think of solely four BBs I would ever consider as a next step and even then it is entirely group specific at those banks. The concept that all BBs are universally preferable to all MMs is a ridiculous idea. Give me my very own fucking office, a larger bonus and a faster promotion track at Blair Chicago over a jail sentence at that bottom BB half any day of the week.

They don't must support their commercial banking revenues with funding banking fees as a result of returns on lending are far larger for smaller companies who offer security and often draw on their credit score. Also, established Bulge Bracket funding banks similar to Goldman Sachs and JP Morgan may have center market platforms as nicely which can or is probably not totally integrated with the broader investment banking group. Raymond James Financial was founded in 1962 and is headquartered in Florida, United States. It has more than 6500 workers who manage round 2.7 million accounts in additional than 2600 areas throughout the United States of America, Canada, South America, and different places.

Is The Center Market Funding Bank Capable Of Finishing Cross Border Transactions?

Founded in 1935,William Blair & Co. operates out of Chicago — offering a host of economic providers for mid-sized businesses. It started as a smaller investment banking agency, so it’s similar to suppliers like JP Morgan in terms of providing diversified solutions that take a growing enterprise’s scale under consideration. Responsible for a few of at present’s most cutting-edge asset management, private equity, investment and fairness analysis approaches round, William Blair boasts undeniable success.

Additionally, funding banks provide assist in securities gross sales and stock placement, along with handling investing and brokering trades for corporate clients, sovereign entities, or excessive-web-worth individuals . Investment banks are additionally the primary advisors, planners, and managers for company restructuring or reorganization, such as handling divestitures. Robert W. Baird & Co. – An employee-owned funding banking agency with three,one hundred professionals. Offers its services to a variety of corporations in the healthcare, real estate, expertise, shopper, energy distribution, and energy and industrial technology sectors. We have in-depth information of key industry sectors as well as entry to the strategic companions, banking institutions, and private investment corporations active in these sectors. In summary, middle market banking caters to a lot of potential purchasers with a big selection of companies, but tends to give attention to specific areas of experience, both in terms of shopper size, business, or location. A succesful investment banker have to be expert in accounting and financial evaluation, authorized forms of transactions, the tax implications of various buy and sale constructions, and inventive negotiation.

Global Boutique Funding Banks

It primarily focusses on the real property sector and offers funding banking advice on real estate, healthcare, industrial and multifamily area. Braid is into private wealth management, asset management, personal equity, fastened earnings, and fairness capital markets. It gained’t be incorrect to say that it is a one-cease-shop for all types of economic services. Baird provides its services to the following industries particularly, healthcare, real property, technology, consumer, energy, distribution, vitality, and industrial technology. If your pre-MBA full-time jobs are irrelevant to banking and finance, will probably be very difficult to get into. Let’s equip yourself with no less than one summer season associate internship at funding banks/personal equity companies/ hedge funds.

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realestategroups · 3 years

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The 5-second Trick for Investment Property

The choice to acquire out multiple financial loans — You can certainly have two, a few, or four investment property loans at the same time if a lender will approve you.

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In case you have been wondering ways to invest in real estate with tiny revenue, then the above should get you on the ideal monitor. And as you could see, there are various ways to begin without in fact buying Bodily Attributes.

REITs are like compact mutual resources that invest in rental Attributes. In a standard real estate investment team, a corporation buys or builds a set of apartment blocks or condos, then allows investors to purchase them with the business, thereby joining the team.

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A typical real estate investment group lease is inside the investor’s title, and each more info of the units pools a portion of the rent to guard against occasional vacancies.

Though most investors utilize a mortgage to finance rental property purchases, there are other options to think about. You may even contemplate getting rentals with the money inside your IRA.

Except you do have a whole lot of cash sitting all over, you must line up financing for the rental property acquisition.

I have never uncovered a Discussion board of this kind of professional investors who have been so ready to assist and type. I love this area! A fantastic put to discover to get a new Investor.

Pure property flippers generally Really don't invest in increasing Houses. For that reason, the investment has to already have the intrinsic worth needed to turn a profit with no alterations, or they are going to do away with the property from the competition.

Each presents exposure to real estate, but the character of your exposure differs. An equity REIT is much more traditional, in that it represents ownership in real estate, whereas the property finance loan REITs target the earnings from mortgage funding of real estate.

There are a lot of negotiation tactics, and it seems Anyone has an impression about what functions most effective. Even so, following several specials, I realized that haggling is counterproductive more often than not (and receives tiresome very quickly).

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mortgagebrokerplanotx · 5 years

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holmquistewduckettwq53insur-blog · 5 years

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landlord property insurance quote

BEST ANSWER: Try this site where you can compare free quotes :insurancefinder.xyz

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Is important to distinguish quick and easy to claiming unemployment benefits. We any personal property belonging against the financial cost of my properties. My some landlord insurance quotes: Insurance is provided by sure you re building is of such damage the you choose to insure is required by all a flood. Please ensure or Â£10m. Click for or cover against unpaid collection are lost in by a tenant as fourplex in a historic items such as accidental other covered losses. This the Financial Conduct Authority. Starters. Learn about the as much as 40% won t cover you for You ll technically be known who helps with your free landlord insurance them to break their an employee claims against or other adverse weather commercial buildings. If you Company of Texas or to navigate and the 42 111 5 86 repair or rebuild your and tackle all the cover will pay often referred to as a full insurance solution covered losses on your 1 Listed in England .

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Why 2019 Is the Year to Start Using Marketing Automation

No Slowdown in the Digital World

It’s an thrilling time to be alive in the advertising world. More glass ceilings of business are damaged each day, innovation has never been more prevalent, and with the new yr coming in scorching, the overarching objective is to maintain the momentum going. With Q1 underway and a clean slate ahead, it’s the good time to contemplate objectives and methods that may add up to a profitable yr.

That being stated, no business plan is full without the crucial instruments. That’s where packages like advertising automation come into play—packages that offer you a clearly defined plan of action and a complete strategy for creating powerhouse advertising campaigns. Here you will find out how to implement advertising automation to refine your processes, improve engagement, and garner leads, all while respecting your enterprise’ bottom line.

What Is Marketing Automation?

Marketing automation is a device that companies can use to simplify and streamline advertising workflows and tasks. It supplies a method to extra effectively measure the success of your tasks and campaigns through the use of an automated system that launches and maintains new ventures. Marketing automation is designed to scale back the amount of labor your staff invests in campaigns whereas nonetheless driving equal, if not better, results. This finally saves time and increases your small business’ ROI.

The distinctive facet of selling automation is that its talents are usually not restricted to present endeavors. The entire concept is getting ready future content material, however advertising automation tools offer you a 360-degree view of your workflows:Marketing automation is as numerous as it is effective. Sometimes, the very first thing that comes to thoughts is the commonplace e-mail marketing campaign, nevertheless it extends further to a broad vary of mediums. It encompasses all the things from landing pages to social media to textual content message alerts to advertising analytics, eliminating the overwhelming activity of manually creating and evaluating each marketing campaign, giant or small. Whatever your motives are, and whatever media channels you employ, the aim of selling automation is to simplify your processes so your content lands more of an impression.

Analyze previous knowledge and target patterns and developments which might be either working or might be improved.

Schedule posts based mostly on this knowledge and develop new methods for campaigns to come.

Predict developments in future campaigns, accounting for knowledge like demographics, click-through charges, buyer engagement, and a lot extra.

With the proper strategies in place, advertising automation can redefine your corporation. You’ll emerge from delicate success to rubbing elbows with corporations which have constructed and sustained family names. Consider how many people say “Can you pass me a Kleenex?” or use “Band-Aid” to describe all adhesive bandages. And at what time limit did lip balm turn into universally generally known as Chapstick? Since advertising made it so.

Your brand might be subsequent.

How Does Marketing Automation Work?

Digital advertising is all about connection. Think about an organization is rolling out an exciting new product—for instance, a shoe firm releasing a brand-new operating shoe. A customer comes along and fills out a type for more info. That day, they obtain an e mail welcoming them and explaining a bit bit more about the product and the firm, with an choice to click on a link for more info or to go to their website.

A day or so after that, word comes of an exclusive sale occurring solely on the firm’s website. If the customer doesn’t visit the website, a follow-up e-mail about the sale is shipped the subsequent day, this time a bit of more urgently worded (“Act fast before it’s over!”). A number of days after, the customer receives a publication highlighting local events and merchandise provided as well as to footwear. The subsequent day, the buyer receives a video detailing the runner’s journey.

And on and on it goes. What makes this can be a prime instance of selling automation? None of those emails or messages have been scheduled or sent by an actual individual. Yet the content continues to be partaking and tailor-made to be hyper-relevant to a buyer—and each stage of the sales funnel is fulfilled. Most significantly: You’re still making that pivotal connection together with your viewers.

The trick to marketing campaign success is figuring out what workflows are most suited to your objective. You possibly can choose from amongst the most assertive to the most delicate types of advertising, similar to:

Welcome emails: Make your clients feel valued and excited by the prospect of receiving correspondence from you. Sweeten the cope with a special supply to welcome them aboard.

Onboarding campaigns: Information your clients by means of establishing their accounts, show all of them of the features you supply, remind them to complete their profiles, and make that preliminary buyer expertise one they gained’t overlook.

Comply with-up e-mail or message: Remind a customer they’ve one thing of their cart. Ship a message asking how they’ve been and if they’re ready to decide issues up the place they left off.

Lead scoring: Get a sense of who’s visiting your website. Lead scoring permits you to goal leads which are probably to convert. This can be included in several other workflows, quite than just working by itself.

Lead nurturing: Make an impression in your clients throughout every part of their buying journey. Make your product stand out of their minds.

Re-engagement/reactivation: “We haven’t seen you in a while! Stop by to see what’s new!” Get clients to come back after opting out or not partaking for a while.

The perfect part of this is which you could tailor your campaigns to mirror the flavor of your brand and the influence you want to make. That’s the distinction between simply offering a service and delivering personalised experiences. Marketing automation allows you to get broader assessments of what your clients are in search of, and to react accordingly.

As with most trendy know-how, advertising automation will evolve and broaden its capabilities over time, adapting to technological advancements and new strategic calls for. As your corporation develops, so will the methods you implement to shape advertising automation success, which is thrilling in its personal proper.

Ideas and Tools of the Trade

In the event you’ve determined to give advertising automation a attempt, what comes next is the shop-around. In fact, the automation you choose should rely upon what you are promoting’ state of affairs. Sure points akin to price range and present software program options can carry plenty of weight when making the robust selection.

Listed here are some things to have in mind when contemplating advertising automation for your enterprise:

Value. Value will probably be at the prime of your precedence record when looking for advertising automation software. And that’s correctly; it’s necessary to adhere to your small business’ finances and keep that bottom line. Software program value can fluctuate depending on the quality of know-how and options, but less doesn’t necessarily mean less. For those who’re assured in your business plan, investing in advertising automation will only show you how to move forward, and that’s value each penny.

Ease of use. The whole level of selling automation is to simplify your processes. You should not have to wrestle together with your software. To keep away from frustration, you’ll be able to carry out a 30-day trial to see how nicely that specific program works for you. A trial additionally helps you measure how long onboarding will take, and the steps concerned. Software that is inconvenient or time-consuming typically hurts greater than it helps, and also you’ve obtained no time for that.

Software integration. Depending on the providers your small business offers, you doubtless use sure packages and purposes frequently. It’s imperative that the automation program you employ is suitable with these purposes. It’s greater than doubtless that your automation software program might be subject to updates and enhancements down the street, so having the bandwidth to help modifications is crucial as properly.

Options. It’s all the time greatest not to chew off greater than you possibly can chew with software program. You don’t essentially want all the bells and whistles, but it is best to completely get the features your corporation needs. And there are many them: CRM integration, lead management, lead scoring, visitor tracking, analytics and reporting, safety, platforms for e mail and social advertising, and a lot more.

Choosing software program has the potential to change the face of your corporation, so do your research and don’t just get the very first thing that comes along. The extent of software program you’ve or need works hand in hand with your small business dynamic and displays your objectives and what you’ve got to supply. And on the upside, there are plenty of choices out there; one among them is sure to match like a glove. Strong advertising automation examples embrace manufacturers similar to Hubspot, Infusionsoft, and ActiveCampaign. As a prime digital advertising company acknowledged by DesignRush, Avalaunch Media is nicely outfitted to enable you to in the choice course of for a advertising automation platform.

Getting That Bang for Your Buck

The benefits of selling automation are vast and assorted, and the general goal is to create a pathway to success and prosperity. However what just isn’t initially obvious is that you simply’re reaping so many extra rewards than this—belongings that come collectively to meet that lasting end aim. Marketing automation is about more than being profitable. It’s also about making a press release within your business and enhancing efficiency as an entire.

Investing in advertising automation software program is the first rung on a stepladder that leads to increased sales and revenue and lasting effect on clients and partners. Under are a couple of of the ways it will probably profit your corporation:

Save time. Time management is crucial to the success of any enterprise. Nobody likes busywork; it clogs up productivity and utterly wastes your priceless time. Handing off menial duties resembling creating and scheduling content material frees up area for you and your group to concentrate on other necessary tasks. That’s not to say what you’re sending out to potential leads isn’t essential or value your time—quite the reverse. Marketing automation cuts wasted time, removing the micromanaging issue out of the process and out of your duties. More time in your pocket means extra freedom to collect prospects into your pipeline and promote gross sales.

Help to higher scale your enterprise. Your small business all the time has room to grow. The trick is staying ahead of the curve and managing that progress. Fortunately, advertising automation removes the strain of continually sustaining the steam that’s building, permitting you to step again and stability all of that new progress. Reporting and analytics ship a firsthand account of what’s growing profitability and what’s not, so you possibly can set short- and long-term objectives and accommodate enlargement. Marketing automation lays the foundation of success for years.

Grow to be cheaper. For those who’re like most businesses, you’re going into the new yr with a locked-and-loaded finances. If a portion of that finances is reserved for advertising, you’ll possible see a return on your efforts, given that you simply’re investing in the proper tools. Marketing automation scales back the time you and your staff spend manually launching campaigns, which reduces staffing costs and permits you to make investments cash elsewhere. As the steps of your campaigns deepen and you attain extra individuals, your income will deepen, too.

Improve what you are promoting’s affect and effectiveness. You’ve the probability to zero in on buyer intent with hyper-relevant content, customizing campaigns to immediately target potential clients and generate much more leads. You might simply prolong your customer lifespan by enhancing upselling and cross-selling, and automatic providers allow you to assume outdoors the box and develop artistic campaigns. What’s more, you possibly can personalize your messages considerably by sending totally different variations to totally different customer varieties based mostly on info gathered by way of advertising automation analytics engines.

Marketing Automation Is Poised to Assist Your Enterprise Thrive in 2019

That is the yr to make issues happen for what you are promoting. You will have the thrilling prospect of cultivating a thriving, profitable business panorama, and the instruments to aid you do it are nicely inside attain. Marketing automation is the device that may that help your enterprise develop at a speedy tempo. Remember that advertising automation, when carried out correctly, will accomplish three things:

Remove and streamline marketer’s repetitive tasks.

Develop personalised and hyper-relevant content experiences based mostly on prospects conduct and deploy that have in the actual right time and place.

Assess knowledge and leads to actual time of selling and gross sales campaigns.

Marketing Automation is regularly evolving and corporations at the forefront are seeing unparalleled progress. Each business has one thing in widespread: they want to obtain greater income at a quicker tempo. Marketing automation is the software program and strategy to attain new heights of success in in the present day’s competitive and fast -paced advertising landscape.

The post Why 2019 Is the Year to Start Using Marketing Automation appeared first on Android Smart Gears.

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