http://digest.creaders.net/articleViewer.php?id=282016
女生最赚钱的十大职业,公关是女生的“传统优势项目”，也是现代社会经济生活中一门高深的学问。在传统上，女生比男生具有更大的公关优势：表达能力、交际能力、协调能力都比男生强而且更富于情感性。
一、 公关
公关是女生的“传统优势项目”，也是现代社会经济生活中一门高深的学问。在传统上，女生
比男生具有更大的公关优势：表达能力、交际能力、协调能力都比男生强而且更富于情感性。在竞争越来越激烈的知识经济时代，在眼球经济时代，公关比任何时候都更重要中高级公关小姐总是在全球各地飞来飞去，为效力的各大公司做专题、组织培训，以至企业战略咨询、与政府的联络等，成为最耀眼的白领女生之一。
二、 人力资源 在国外，没有行政经一职，只有人事经理，专门管理公司的行政事务、人事安排、职工考核培训，建立公司人事制度、利益分配制度等，权利自是一人之下万人之上。国内随着体制改革和经济开发的深入，人力资源的开发和管理越来越受到重视，一个现代企业，最重要的不是资金是否充足，而是是不是有一群有知识有能力并与企业同生共死的员工，而女性所特有的亲和力及号召力使她们更胜任人事经理的工作。
三、 传播媒介 如今可以叫做传媒时代，任何风潮可以在一夜之间传遍世界的每一个角落，因而传媒红人无不红的发紫，从中央电视台“综艺大观”一飞冲天的倪萍，到湖南卫视“快乐大本营”台柱之一的李湘，从由电影下来有操刀电视的第一富婆刘晓庆，到原来效力于传媒后来驾权传媒的杨澜，女生在传媒媒介中始终是一道亮丽养眼的风景线，她们的收入自然是一般人几十辈子也挣不来的。
四、 外企白领 严格说来，外企白领不是一种职业，而是很多种职业的总称，泛指在跨国企业里任中高级职务的人员，她们的言谈举止显示出她们经过了良好的专业培训，中文、洋文随口便来；她们衣级别不同，穿着不同档次的优雅套装，淡装浓抹，进出于高级写字楼；她们的收入是国内一般职员收入的几倍到几十倍，如以人民币计算，月收入应在七八千到数万不等，如果是年薪制则会更高。这一类的代表人物是曾经的吴士宏，她在微软任中国区总经理的时候名利双收，荣获“打工皇后”桂冠，以至于无数少女都以她为榜样，发誓要像她那样出人头地。
五、 注册会计师 这是一个和男生争夺饭碗的行业，目前男女比例大约是一半对一半。虽然女生只占半壁江山，但整个行业的前景非常看好，市场缺口很大。最近几年注册会计师考试统计数字很能说明问题，2001年各科通过考试(及格百分比如下：会计5。7%，审计13。6%，财务9。27%，经济法7。96%，税法6。81%，一次性五科全部通过的比例仅有0。36%，一方面是国家对于注册会计师质量的严格控制，但另一方面也说明注册会计师是不折不扣的“紧销货”。
六、 保险经纪人 同保险代理人一样，保险经纪人代表投保险人购买保险单或介绍保险业务，促使保险合同成立。不同的是，保险代理人代表保险公司与投保人洽谈保险业务，保险经纪人的佣金，一般由保险人即保险公司支付，其主要形式有保险经纪人佣金、招揽佣金、特拥等。美国保险经纪人平均年薪约在20——30万美元，属于高薪收入行业。随着中国加入WTO，保险业将开放，保险经纪人及相应的薪资水平将逐步普遍起来，是女生们大展宏图的好时机。
七、 职业经理人 女生做职业经理人是虎口扒食——这一向是男生的领地。但近年越来越多的女生进入这个行业。职业经理人一生的目标便似乎是在各个大公司里当经理，这里呆不下去。这个行业的女中豪杰里，前面说的吴士宏是一个，格力空调营销总经理董明珠是一个，在一些大的股份制企业里，副总经理的年薪达到50——60万元人民币，部门经理的高层管理人员也可达到30——40万元人民币。 八、 金融银行业 金融银行业在国内算是垄断行业之一，一般职员的薪金在全国平均薪金中高高在上，进入这个行业的门槛很不容易。加入WTO后，垄断打破，国外大量的资金进入，大量的投资人进入，必然带来大量的人才需求，必然拉动行业薪资水平的攀升，据预测，一般骨干员工的年薪在6万元人民币左右，中层管理人才的年薪20——30万人民币，高层管理人才的年薪可达50万人民币以上，甚至冲上100万元人民币大关。
九、 体育明星 男生有体育明星，女生也有体育明星，而且这个行业是少有的河水不犯井水的行业之一。体操、游泳、跳水等是女生历来的热门，并在今后若干年内将继续热门。她们平时的待遇跟男子足球运动员之类比起来尚有一定差距，但一旦拿个什么世界冠军，除了俱乐部的奖金、国家体育总局的奖金十万二十万，还有各种企业赞助和奖励，动辄几十上百万，而随之而来的广告收入让这些奖金简直不值一提——但是，这个行业的不确定性也是最突出的；谁能保证拼老命就一定有出头之日？
十、 影视明星 影视明星大约不需要多说，少男少女们都是最忠实的追星族，明星们长年在国内国外飞来飞去，在各种媒体上唱来跳去，惹红了多少人的眼！她们的显性收入其实不一定算得上最高，但隐性收大约无人能比，像走穴的、逃税的、广告的收入等等，没有人知道她们到底有多少钱，媒体上只有她们的豪宅名车——但这里我要重复一句老话；君子爱财，取之有道——这个行业也有个不确定性的问题：不是“先天资源”好就可以成明星的。
Friday, September 21, 2007
Friday, September 14, 2007
ZT: 投资房地产
http://finance.creaders.net/newsViewer.php?id=750090
Marketwatch刊登文章说，投资房地产不会给人带来一夜发财的机会，但是如果投资者做好足够的研究，买进的机会选得好，还是可以得到相当高的回报。
这篇文章指出：人们投资房地产通常有几种途径，一个就是炒房买进来，装修一下，然后在短时间内卖出获利；另一个，就是买进房子来出租，通常很多年内不会卖掉房子。
买房出租这种投资方式的常规方法可以是买居住屋，高楼的居室，或者商业出租楼房。好处是：靠出租，投资者不仅可以等着房子升值，还可以有一些现金收入。如果通货膨胀上升，房租也可以随之上升。坏处是：投资房地产不像投资股票那样随时可以兑现，而且房地产市场具有很长周期性。
如果不想买进房子但是又想投资房地产的话，投资者不妨考虑投入REIT。好处是不需要自己去管理房子，风险分散，随时可以兑现，又可以为投资者提供现金收入。
如果你不喜欢REIT，想投资真正的房地产，都需要考虑些什么呢？
首先，想想你自己能做什么，比如，律师可以写租约，装修商可以改造房子。一位房地产投资者说，想当房东的人先要想清楚自己是否有能力承担这份责任，至少有90%的人不适合做生意，善于对付房客，不会管理房产。如果请人帮助你管理的话，你的投资收入就会减少很多，出租类的房地产不仅仅是投资，也是一个小生意。
其次，对于房地产来讲，最重要的因素是位置。整个地区的经济环境以及处于什么样的校区都是必须要考虑的。如果购买商业出租房产的就一定要研究一下现有租客的情况。
再次是要注意成本。把所有的可能的费用都算进去，比如保险费。如果房子比较老旧需要翻修，一定要请验房师来查一查房子的框架是否坚固。
最后，一定要想好退路。投资者应该想好他们准备在多长时间内将房子出手。另外，一定要准备一笔款项以背意外修理之需，或者找不到租客的空房期。
投资者一定要注意的是：
一，不要付钱超过房子所值：很多情况下如果你买的房产低于市值就很容易赚钱。千万不要被房子表面的好处所迷惑。(www.creaders.net 记者专稿 转载请注明出处)
二，要仔细阅读房子的公约和条款，不要有遗漏。不然有时罚款也是很厉害的。
三，要仔细调查租客的背景。要查租客的信誉和工作情况以确保他们付得起租金。租客租的时间越长越好。每次老租客搬出新租客搬进中间平均会有两个半月的租金损失－这包括做广告，空房和修理费用。(www.creaders.net 记者专稿 转载请注明出处)
四，不要把摊子搞得太大。不要一下子买一个很大的投资房，也不要在翻修上花很多钱，因为在某些地方翻修不会在回报方面带来很大的不同。
五，找好合作伙伴。很多人在投资房地产是愿意找人合作。如果是新投资者的话最好是找一个有经验的房地产专业人士合作，而且一定要调查一下这个人以前的投资背景以及是否成功。
Marketwatch刊登文章说，投资房地产不会给人带来一夜发财的机会，但是如果投资者做好足够的研究，买进的机会选得好，还是可以得到相当高的回报。
这篇文章指出：人们投资房地产通常有几种途径，一个就是炒房买进来，装修一下，然后在短时间内卖出获利；另一个，就是买进房子来出租，通常很多年内不会卖掉房子。
买房出租这种投资方式的常规方法可以是买居住屋，高楼的居室，或者商业出租楼房。好处是：靠出租，投资者不仅可以等着房子升值，还可以有一些现金收入。如果通货膨胀上升，房租也可以随之上升。坏处是：投资房地产不像投资股票那样随时可以兑现，而且房地产市场具有很长周期性。
如果不想买进房子但是又想投资房地产的话，投资者不妨考虑投入REIT。好处是不需要自己去管理房子，风险分散，随时可以兑现，又可以为投资者提供现金收入。
如果你不喜欢REIT，想投资真正的房地产，都需要考虑些什么呢？
首先，想想你自己能做什么，比如，律师可以写租约，装修商可以改造房子。一位房地产投资者说，想当房东的人先要想清楚自己是否有能力承担这份责任，至少有90%的人不适合做生意，善于对付房客，不会管理房产。如果请人帮助你管理的话，你的投资收入就会减少很多，出租类的房地产不仅仅是投资，也是一个小生意。
其次，对于房地产来讲，最重要的因素是位置。整个地区的经济环境以及处于什么样的校区都是必须要考虑的。如果购买商业出租房产的就一定要研究一下现有租客的情况。
再次是要注意成本。把所有的可能的费用都算进去，比如保险费。如果房子比较老旧需要翻修，一定要请验房师来查一查房子的框架是否坚固。
最后，一定要想好退路。投资者应该想好他们准备在多长时间内将房子出手。另外，一定要准备一笔款项以背意外修理之需，或者找不到租客的空房期。
投资者一定要注意的是：
一，不要付钱超过房子所值：很多情况下如果你买的房产低于市值就很容易赚钱。千万不要被房子表面的好处所迷惑。(www.creaders.net 记者专稿 转载请注明出处)
二，要仔细阅读房子的公约和条款，不要有遗漏。不然有时罚款也是很厉害的。
三，要仔细调查租客的背景。要查租客的信誉和工作情况以确保他们付得起租金。租客租的时间越长越好。每次老租客搬出新租客搬进中间平均会有两个半月的租金损失－这包括做广告，空房和修理费用。(www.creaders.net 记者专稿 转载请注明出处)
四，不要把摊子搞得太大。不要一下子买一个很大的投资房，也不要在翻修上花很多钱，因为在某些地方翻修不会在回报方面带来很大的不同。
五，找好合作伙伴。很多人在投资房地产是愿意找人合作。如果是新投资者的话最好是找一个有经验的房地产专业人士合作，而且一定要调查一下这个人以前的投资背景以及是否成功。
Friday, September 7, 2007
NJIT: Erika Taugher - Mechanical Engineering
Erika Taugher is a star soccer player at NJIT. After playing for just two years, she is poised to become the university’s all-time leading scorer. She’s also a stellar student. In her major, mechanical engineering, she has a near perfect grade-point average of 3.7.
It’s that combination --athlete and engineer – that has helped her get a coveted Wall Street internship. This summer, she’ll work as an intern for J.P. Morgan, a top investment bank in Manhattan. To get the internship, she competed against 500 students from colleges such as Harvard, Yale and Princeton.
“I was intimidated by all those Ivy League students,” said Erika, “but most of them were not engineering majors. And Wall Street firms want to hire engineers.”
Wall Street firms also want athletes. Erika is on her way to Wall Street in large part because of an assist from the Alumni Athlete Network. Founded by Ron Mitchell, a former captain of Harvard’s basketball team, the network helps usher college athletes onto Wall Street.
Over the years, Wall Street recruiters have found that college athletes possess characteristics that tend to make them ideal employees. Athletes tend to be competitive, driven and goal-oriented -- the characteristics one needs to succeed on Wall Street, a high-pressure environment where 80-hour weeks are the norm.
Mitchell’s network accepts 500 applications from college athletes. He then picks some 150 interview candidates, of whom 37 are placed in internships at firms like Citigroup, Goldman Sachs and Merrill Lynch.
What makes these internships so sought after and competitive, said Mitchell, is this: More than 80 percent of the interns are offered full-time jobs. The internship is the main avenue to a Wall Street career. So, these days, if you don’t come into Wall Street as an intern, your chances of working on the Street are dim, he said.
The most recent hiring trend on Wall Street, he added, is the influx of engineers into the financial-services industry. Engineers not only have quantitative skills but computing skills; they thus can handle the sophisticated software programs that power investment firms.
“What gave Erika an edge is her engineering background,” said Mitchell. “Wall Street is eager to hire engineers, whose analytical skills help investment firms make sound decisions. Erika also has a phenomenal personality, so when you combine her quantitative skills with her personality – that’s a winning combination on Wall Street.”
At NJIT, Erika winningly combines academics and athletics. She is a scholar in the Albert Dorman Honors College, and is vice president of finance for the Student Senate. She has a double major -- mechanical engineering and business management -- and though she is just a junior, she is already taking classes toward her MBA. The School of Management offers an accelerated degree program -- a BS/MBA – that helps students jumpstart their careers. She has worked as a teaching assistant in physics, tutoring students in the Educational Opportunity Program.
On the soccer field, Erika’s record is equally impressive. She is close to breaking university records for goals, assists and points. She has also played with the Portuguese National Women’s Soccer Team in the prestigious 2006 Algarve Cup.
And starting in May, when her internship begins, Erika will bring that competitive spirit to Wall Street. She is excited. She’ll be paid $1,200 a week, and live – all expenses paid – in a New York University dormitory. In one summer she’ll get a good sense of how an investment bank operates. She’ll work at J.P. Morgan’s Sales and Trading unit, where she’ll learn how capital flows from the world’s largest investors; follow the financial markets; attend weekly financial market meetings and meet regularly with senior managers.
The internship is ideal for Erika, since she wants to get her MBA and work in finance. She would like to one day work abroad, too. She has an international background. Her mother is Portuguese and her father is Canadian. She grew up in Oakville, Canada, just outside of Toronto, where in high school she excelled in academics and soccer. When she was a senior in high school, she visited a number of top universities in Canada and the U.S. But she decided to attend NJIT – her first choice. And now, after being chosen for the J.P. Morgan internship, she realizes it was the right choice. It was NJIT, she believes, that gave her the edge in getting the internship.
“NJIT is such a unique university,” Erika said, “and I’m just so happy to be here. The coaches and professors have helped me balance soccer and academics. The students here are so smart, and it’s such a supportive learning environment. NJIT sets you up to succeed: That’s why I got this internship.”
It’s that combination --athlete and engineer – that has helped her get a coveted Wall Street internship. This summer, she’ll work as an intern for J.P. Morgan, a top investment bank in Manhattan. To get the internship, she competed against 500 students from colleges such as Harvard, Yale and Princeton.
“I was intimidated by all those Ivy League students,” said Erika, “but most of them were not engineering majors. And Wall Street firms want to hire engineers.”
Wall Street firms also want athletes. Erika is on her way to Wall Street in large part because of an assist from the Alumni Athlete Network. Founded by Ron Mitchell, a former captain of Harvard’s basketball team, the network helps usher college athletes onto Wall Street.
Over the years, Wall Street recruiters have found that college athletes possess characteristics that tend to make them ideal employees. Athletes tend to be competitive, driven and goal-oriented -- the characteristics one needs to succeed on Wall Street, a high-pressure environment where 80-hour weeks are the norm.
Mitchell’s network accepts 500 applications from college athletes. He then picks some 150 interview candidates, of whom 37 are placed in internships at firms like Citigroup, Goldman Sachs and Merrill Lynch.
What makes these internships so sought after and competitive, said Mitchell, is this: More than 80 percent of the interns are offered full-time jobs. The internship is the main avenue to a Wall Street career. So, these days, if you don’t come into Wall Street as an intern, your chances of working on the Street are dim, he said.
The most recent hiring trend on Wall Street, he added, is the influx of engineers into the financial-services industry. Engineers not only have quantitative skills but computing skills; they thus can handle the sophisticated software programs that power investment firms.
“What gave Erika an edge is her engineering background,” said Mitchell. “Wall Street is eager to hire engineers, whose analytical skills help investment firms make sound decisions. Erika also has a phenomenal personality, so when you combine her quantitative skills with her personality – that’s a winning combination on Wall Street.”
At NJIT, Erika winningly combines academics and athletics. She is a scholar in the Albert Dorman Honors College, and is vice president of finance for the Student Senate. She has a double major -- mechanical engineering and business management -- and though she is just a junior, she is already taking classes toward her MBA. The School of Management offers an accelerated degree program -- a BS/MBA – that helps students jumpstart their careers. She has worked as a teaching assistant in physics, tutoring students in the Educational Opportunity Program.
On the soccer field, Erika’s record is equally impressive. She is close to breaking university records for goals, assists and points. She has also played with the Portuguese National Women’s Soccer Team in the prestigious 2006 Algarve Cup.
And starting in May, when her internship begins, Erika will bring that competitive spirit to Wall Street. She is excited. She’ll be paid $1,200 a week, and live – all expenses paid – in a New York University dormitory. In one summer she’ll get a good sense of how an investment bank operates. She’ll work at J.P. Morgan’s Sales and Trading unit, where she’ll learn how capital flows from the world’s largest investors; follow the financial markets; attend weekly financial market meetings and meet regularly with senior managers.
The internship is ideal for Erika, since she wants to get her MBA and work in finance. She would like to one day work abroad, too. She has an international background. Her mother is Portuguese and her father is Canadian. She grew up in Oakville, Canada, just outside of Toronto, where in high school she excelled in academics and soccer. When she was a senior in high school, she visited a number of top universities in Canada and the U.S. But she decided to attend NJIT – her first choice. And now, after being chosen for the J.P. Morgan internship, she realizes it was the right choice. It was NJIT, she believes, that gave her the edge in getting the internship.
“NJIT is such a unique university,” Erika said, “and I’m just so happy to be here. The coaches and professors have helped me balance soccer and academics. The students here are so smart, and it’s such a supportive learning environment. NJIT sets you up to succeed: That’s why I got this internship.”
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