Econet Wireless Zimbabwe Limited (ECO.zw) listed on the Zimbabwe Stock Exchange under the Technology sector has released it’s 2013 circular results for the forth quarter.For more information about Econet Wireless Zimbabwe Limited (ECO.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the Econet Wireless Zimbabwe Limited (ECO.zw) company page on AfricanFinancials.Document: Econet Wireless Zimbabwe Limited (ECO.zw) 2013 circular results for the forth quarter.Company ProfileEconet Wireless Zimbabwe is a diversified telecommunications group; it is the largest enterprise of its kind in Zimbabwe and the largest company on the Zimbabwe Stock Exchange in terms of market capitalisation. Econet Wireless Zimbabwe provides products and solutions for mobile and fixed wireless telephony, public payphones, internet access and payment solutions. In 2009, Econet Wireless Zimbabwe became the first operator in Zimbabwe to launch data services with 3G capability. This was followed by an extensive project to expand its geographic coverage; building a fibre-optic network, providing financial transaction switching and point-of-sale and value-added retail support services. The company is a subsidiary of a privately-owned group controlled by its founder, Strive Masiyiwa. The group’s subsidiaries include Econet Global, Econet Wireless Africa, Econet Wireless International, Econet Enterprises, Liquid Telecom Group and Econet Media.
This share price has fallen 50%. I’m buying and here’s why Andy Ross owns shares in WPP. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” Image source: Getty Images. See all posts by Andy Ross I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Andy Ross | Tuesday, 17th March, 2020 | More on: WPP Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Our 6 ‘Best Buys Now’ Shares Simply click below to discover how you can take advantage of this. Nearly all shares have been hit in the recent market crash. Some though have as ever been hit harder than others. One such company is global advertising and marketing group WPP (LSE: WPP).The sharesThe WPP share price has fallen by over 50% in just the last month. It means the shares now have a P/E of 8 and a dividend yield of over 10%. This is a seemingly very attractive combination of a low-value share and a high income.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…However, WPP has fallen worse than many other companies in the current bear market because it’s got other problems on its hands. For its latest full year, pre-tax profits fell to £982m from £1.2bn. Revenue slipped 0.3% to £10.8bn. Operating profits from continuing operations fell 5.6% to £1.6bn.Coronavirus, if it causes a global recession, is likely to hit advertising particularly hard. Advertising is one of those corporate budgets that companies cut when economic conditions toughen. It seems highly likely that’s exactly what’s going to happen in the short term.Another challenge WPP faces is the dominance of Facebook and Google when it comes to digital marketing. As brands move spend online and away from traditional advertising there’s the possibility it may squeeze opportunities at some of WPP’s agencies.Reasons for optimismThe advertising holding company clearly faces some financial and operational challenges. This explains why the share price has slumped so rapidly. Though it’s not all bad and investors may see value in the shares, especially now.In the UK and ‘rest of the world’ (which includes Asia) the business is still growing, albeit at a low level. The regions saw 0.3% and 1.4% revenue growth respectively. The sale of its Kantar operation means debt can be reduced, from £4bn down to £1.5bn, while £950m will be returned to shareholders through a buyback.The business under Mark Read has slimmed down a lot after rapid acquisition-led growth under Sir Martin Sorrell. Some 50 agencies have gone in the last 18 months. The business is now using data and technology to offer new services to clients, for example helping them succeed on online marketplaces like Amazon and Alibaba.The dividend has been held flat for a couple of years, allowing management to avoid a cut thus far, and dividend cover is still relatively healthy at over 1.3x.Taken together, I am confident with my recent purchase of WPP shares and would be tempted to pick up more once it becomes clearer that the market is recovering from its current coronavirus-induced panic.I know the group faces a number of hurdles, but overall, it’s a business with good margins, reducing debt and a very healthy dividend. The potential for a turnaround to drive significant value for shareholders is also appealing. The ad world is changing, but so is WPP.
Enter Your Email Address See all posts by Manika Premsingh Manika Premsingh owns shares of Rightmove. The Motley Fool UK has recommended Rightmove. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. FREE REPORT: Why this £5 stock could be set to surge Can these FTSE 100 growth stocks keep rising? Here’s what I think Are you on the lookout for UK growth stocks?If so, get this FREE no-strings report now.While it’s available: you’ll discover what we think is a top growth stock for the decade ahead.And the performance of this company really is stunning.In 2019, it returned £150million to shareholders through buybacks and dividends.We believe its financial position is about as solid as anything we’ve seen.Since 2016, annual revenues increased 31%In March 2020, one of its senior directors LOADED UP on 25,000 shares – a position worth £90,259Operating cash flow is up 47%. (Even its operating margins are rising every year!)Quite simply, we believe it’s a fantastic Foolish growth pick.What’s more, it deserves your attention today.So please don’t wait another moment. Get the full details on this £5 stock now – while your report is free. Simply click below to discover how you can take advantage of this. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Property stocks are among the biggest FTSE 100 gainers today. Taylor Wimpey, Barratt Developments, and Persimmon are all up around 3%. After some softening in their share prices over the past few weeks, I reckon this is a good opportunity for investors to buy as the property markets continue to look positive. Robust housing demandAccording to property e-marketplace Rightmove, the housing market continued to strengthen in May. The average price of property coming to market jumped by 1.8% to a record £333,564 compared to the month before. This is the most up-to-date house price index available right now. 5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…This house price increase is also reflected in FTSE 100 property companies demand, as per their recent updates. Barratt Developments recently reported robust forward sales numbers, which refer to sales of homes that are still under completion. In fact, it is fully forward sold for the current financial year. Similarly, Persimmon reported forward sales for the January-April months as 23% above the same time last year and even 11% higher than those in 2019. Taylor Wimpey too has seen resilient customer demand. My concerns for the property marketMy concern, however, is that the housing market has been supported by a unique conditions. These include significant government support, low interest rates, and possibly even higher savings among UK’s households. These are about to change. Government support, like the stamp duty relaxation, will be withdrawn later in 2021. With inflation on the increase, I think it is only a matter of time before banks start raising interest rates. This means that housing loans will become more expensive. Also, as we come out of lockdowns, I reckon household savings can come off. They rose to record levels last year as a proportion of income as lockdowns limited possible spending. High savings are instrumental in buying assets like houses or stocks. But with pent up demand for leisure activities from cinemas to holidays, consumers are expected to start spending more. In other words, there could be a reallocation of funds towards higher spending.What is next for these FTSE 100 growth stocks?This means that the housing market could soften in the near future. This in turn would have a bearing on FTSE 100 property stocks, raising the question – can their prices continue to rise?I think they can. There is no doubt that their share prices have risen over the past year. Barratt Developments, for instance, has seen an almost 50% increase. Persimmon has seen a 35% increase and Taylor Wimpey is up almost 14%. But in relative terms, they are still inexpensive, with price-to-earnings (P/E) ratios ranging between 15 and 28 times. Considering that their results will only improve going forward as well as some continued bullishness in investor sentiment, I think they are growth stocks with potential.Further, economic recovery is expected to be sharp. This should soften some of the blow from the withdrawal of the stamp duty waiver and rising interest rates. I would keep an eye out for house price developments to assess the situation over time, because they reflect underlying demand. When I next buy cyclical stocks, though, I will have them on my wish list. Image source: Getty Images. Our 6 ‘Best Buys Now’ Shares Manika Premsingh | Friday, 28th May, 2021
ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/97659/the-finn-lofts-el-dorado Clipboard Projects CopyLoft•Wichita, United States Photographs ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/97659/the-finn-lofts-el-dorado Clipboard The Finn Lofts / El Dorado 2010 Architects: El Dorado Area Area of this architecture project “COPY” ArchDaily The Finn Lofts / El DoradoSave this projectSaveThe Finn Lofts / El Dorado Area: 30757 m² Year Completion year of this architecture project CopyAbout this officeEl DoradoOfficeFollowProductsConcreteBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingLoftWichitaHousesUnited StatesPublished on December 24, 2010Cite: “The Finn Lofts / El Dorado” 24 Dec 2010. ArchDaily. Accessed 12 Jun 2021.
Projects Text description provided by the architects. The main idea of the project was to design an optimal land use compatible with the investor’s programme and the conditions of land building scheme. The plot is very small ca.600m2 with the entrance from the south,so with common parts we are opening to the south and west. Additionally from the South I withdraw elevation on the ground floor, creating a terrace with arcades thus it fell back farther from the street. I wanted to make this house very simple in plan and form, referring to the classic house. By using precious linings of brick with concrete, wood for warming the perception,titanium-zinc sheet as well as large glazed five-meter I created the impression of modern structure in a classic shape. For a breakdown of the length of the roof I used a one bay on each side what additionally ameliorate the block and create a more usable space in the attic. Save this picture!Courtesy of Damian Cyryl KotwickiRecommended ProductsWindowsVEKAWindows – SOFTLINE 82 ADFiber Cements / CementsApavisaTiles – Nanofusion 7.0WindowsRabel Aluminium SystemsMinimal Casement Windows – Rabel 8400 Slim Super Thermal PlusWoodEGGERLaminatesCustomers are a young couple with own business. The house was designed in accordance with the functional program of the investor. On the ground floor there is a large garage for two cars and an open living area to spend time during the day as well as kitchen, dinning room, a lounge and a lobby with a beautiful circular staircase located in the central part of the house. On the upper floor of localized extra lounge and two bedrooms with bathrooms for inhabitants and guests.Save this picture!Courtesy of Damian Cyryl KotwickiProject gallerySee allShow lessRAIC 2011 Awards of ExcellenceArticlesAD Recommends: Best of the WeekArticles Share Save this picture!Courtesy of Damian Cyryl Kotwicki+ 29 Share Houses CopyHouses•Warsaw, Poland Architects: Damian Cyryl Kotwicki Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/128393/house-in-warsaw-damian-cyryl-kotwicki Clipboard ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/128393/house-in-warsaw-damian-cyryl-kotwicki Clipboard Area: 560 m² Year Completion year of this architecture project House in Warsaw / Damian Cyryl KotwickiSave this projectSaveHouse in Warsaw / Damian Cyryl Kotwicki “COPY” House in Warsaw / Damian Cyryl Kotwicki Year: 2007 “COPY” Poland ArchDaily CopyAbout this officeDamian Cyryl KotwickiOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesHousesWarsawPolandPublished on April 19, 2011Cite: “House in Warsaw / Damian Cyryl Kotwicki” 19 Apr 2011. ArchDaily. Accessed 12 Jun 2021.
CopyAbout this officeEstudio ArzubialdeOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingRosarioArgentinaPublished on March 26, 2013Cite: “Grecco Building / Arzubialde Arquitectos” [Edificio Grecco / Arzubialde Arquitectos] 26 Mar 2013. ArchDaily. Accessed 11 Jun 2021.
“COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/877672/pacaembu-house-dmdv-arquitetos Clipboard Projects ArchDaily “COPY” Architects: DMDV arquitetos Area Area of this architecture project Year: Houses Photographs: Maira Acayaba Manufacturers Brands with products used in this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/877672/pacaembu-house-dmdv-arquitetos Clipboard Manufacturers: Armatex, Cerâmica Atlas, Colormix, Jmar, Monet, TroncoLandscaping Project:KM arquitetura PaisagisticaStructural And Foundation Projects:LHGFacilities Project:Ramoska & CastellaniBuilding Construction:EdificonTeam:André Dias Dantas, Bruno Vitorino, Renato Dalla Marta, Maíra Baltrusch, Rafhael Silva, Fernanda Miguel, Victor Vernaglia, Aline Pinheiro, Ronielle Laurentino e Fabiana Kalaigian.City:São PauloCountry:BrazilMore SpecsLess SpecsSave this picture!© Maira AcayabaRecommended ProductsDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreDoorsdormakabaEntrance Doors – Revolving Door 4000 SeriesDoorsLonghiDoor – HeadlineText description provided by the architects. The starting point of this project was the analysis of the feasibility of maintaining the original construction in the lot, considering a deep reform, or the complete demolition to build a new residency. After studying the brief desired by the future residents, the implantation of the old house and the analysis of the structural system of the existing construction that did not allow great interventions, we concluded that we would achieve a better result considering the conception of a new residenceSave this picture!© Maira AcayabaDecision taken, we seek to use part of the materials of the old construction in the new house. The bricks that can be seen apparent on the facades, the floor stones that compose the landscaping and part of the woodwork of the old construction were stored and reused in the new construction.Save this picture!Ground Floor PlanThe irregular and accentuated geometry lot, as well as the solar analysis, were determinant in the distribution of the program and in the spatial organization of the project. In order to reduce the execution time, we opted to the use of a metallic structure, a solution that enabled greater spans, delivering the ground floor from structural interferences and allowing the “balances” that constitute protected interconnected spaces with the external gardens.Save this picture!© Maira AcayabaThe lower floor, at street level, houses the garage for 4 cars, laundry, warehouses and technical areas. Being partially buried, this is the only concrete floor. The lighting and ventilation of these environments are made through small garden openings that houses the central heaters and a cistern buried to capture the rainwater that is reused by the automatic irrigation system of the gardens. In the upper floor, which we call ground floor, is the main living, interaction and leisure area of the family, consisting of living room, dining room, kitchen and TV room. The integration of the internal areas with the external gardens were prioritized through the adoption of glass closures around the perimeter.Save this picture!1st Floor PlanThe outdoor areas have been separated into two gardens: one in the front portion of the lot, connected to the kitchen and dining area, and the larger one to the bottom that houses the pool and wooden deck, and connects to the porch and barbecue, as well as the shed, A box covered with wood that has two floors composed by the toy room and library that open to the garden, and on the same, the space for sauna and rest.Save this picture!© Maira AcayabaIn the first floor are the three dormitories, the two front ones are separated from the couple dormitory in the posterior portion by the emptiness of the high ceiling of the living room. To protect the frames of the setting sun, we used muxarabis of cumaru wood to protect the sealing glasses, improving thermal comfort.Save this picture!SectionOn the last floor, from where we can see the Pacaembu valley, we located the office, also protected from the sun by vertical bricks of cumaru wood and connected to 2 open terraces permeated by bins integrated to the metallic guardrails.Save this picture!© Maira AcayabaProject gallerySee allShow lessHow One Concrete Manufacturer Helps Architects Reduce Project Costs With An In-House…ArticlesUpcoming 685-Foot Tiered Residential Tower To Extend Austin’s SkylineArchitecture News Share Area: 500 m² Year Completion year of this architecture project Brazil Pacaembu House / DMDV arquitetos CopyHouses•São Paulo, Brazil 2016 Save this picture!© Maira Acayaba+ 25 Share Pacaembu House / DMDV arquitetosSave this projectSavePacaembu House / DMDV arquitetos Photographs CopyAbout this officeDMDV arquitetosOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesPauliniaBrazilPublished on August 17, 2017Cite: “Pacaembu House / DMDV arquitetos” [Casa Pacaembu / DMDV arquitetos] 17 Aug 2017. ArchDaily. Accessed 11 Jun 2021.
Facebook Twitter Home Indiana Agriculture News Grassley Pleased with EPA Nominee’s Rule of Law Pledge grassley-on-pruittPresident-elect Trump’s pick for EPA chief Scott Pruitt recently reassured U.S. senators from Midwest farm states that he will follow the law on renewable fuels, Waters of the US and other issues key for agriculture. He said he will support the rule of law that underpins so much of what EPA does that impacts agriculture, and that was welcome news to Iowa Senator Chuck Grassley.“We got a very positive response of his not just support of the RFS, but more importantly the rule of law, and rule of law is what Congress passes the EPA is supposed to follow and not back it down the way they have in this administration,” he said.”Grassley and many lawmakers from rural states complain the outgoing EPA sold the RFS volume targets short until last year and overreached its rulemaking authority in clean air and clean water actions.The long-fought Waters of the US rule to vastly expand EPA control of water on and off farms is now tied up in the courts, where judges are skeptical it will withstand legal scrutiny. Congressional Republicans failed to override President Obama’s veto of a repeal bill. Grassley stressed the importance of following the law.“There’s one thing that’s very key. I don’t want somebody in EPA that’s going to continue the illegal and ultra vires standards setup by this administration not following the law. We’ve got positive comment that the law is going to be followed. That’s very, very important.”Pruitt, as Oklahoma Attorney General, joined other state counterparts to sue the EPA over WOTUS and, if confirmed to head the agency, would obviously back Trump’s pro-ethanol, pro-jobs agenda.He’ll wait until after Pruitt’s confirmation hearings to decide if he’ll support the nominee, but so far, Grassley says he hasn’t heard anything that would discourage him from voting for Pruitt.Grassley is like many in agriculture. He has grown very weary from the lack of a USDA pick from the President-elect, and Grassley took to Twitter over the weekend to make a recommendation of Bill Northey for the post. Northey is the Iowa Secretary of Ag now in his third term of that elected office.Source: NAFB News Service SHARE Facebook Twitter By Andy Eubank – Jan 10, 2017 SHARE Grassley Pleased with EPA Nominee’s Rule of Law Pledge Previous articleIndiana Farm Bureau Competitors Place in Top 10 in National ContestsNext articleFarm Bureau Confident Trump Will Pick the Right Person Andy Eubank
Authorities View post tag: Royal Navy November 22, 2016 Back to overview,Home naval-today UK, US conclude mine countermeasure drill The navies of U.K. and U.S. concluded their joint mine countermeasures (MCM) exercise 17-1 in the Persian Gulf, on November 17.The 38-day, bilateral exercise between the U.S. Navy and U.K. Royal navy was designed to provide an opportunity for both nations to share knowledge of MCM techniques.U.S. Navy exercise participants included USS Devastator (MCM 6), USS Gladiator (MCM 11), USS Dextrous (MCM 13), and explosive ordnance disposal mobile unit (EODMU) 1, along with Royal Navy MCM ships HMS Bangor (M 109), HMS Chiddingfold (M 37), HMS Penzance (M 106), HMS Middleton (M 34), and auxiliary landing ship dock RFA Lyme Bay (L 3007).Evolutions were tailored to focus on the cooperative skills of both countries in working together to identify and eliminate mine threats that threaten regional security and the free flow of commerce.“U.S. and U.K. MCM forces work together on a daily basis, as well as continuously engaging in bilateral exercises and professional exchanges to ensure that we are able to efficiently deter and counter naval mine threats,” said Capt. Eric Wirstrom, commander, Task Force (CTF) 52. “This exercise provided a valuable opportunity for both nations to optimize force interoperability and increase warfighting effectiveness.”According to the Gladiator crew, the highlight of U.K.-U.S. Mine Countermeasures Exercise 17-1 was the opportunity to practice using a combat SeaFox round — a remotely-operated, unmanned underwater vehicle used to investigate and identify mine contacts on the ocean floor. When a mine is found, a combat round is deployed, detonating a charge next to the mine in order to eliminate the mine threat.“Deploying and detonating the SeaFox combat round was a unique experience,” said Petty Officer 2nd Class Kortni Jonker, one of Gladiator’s SeaFox pilots. “It required a focused, coordinated effort between everyone standing watch on deck and in combat information center, because the engagement work-up and execution was different than the usual investigatory SeaFox round. It was great to put our training to practice.”As part of improving proficiency in mine warfare through force integration among coalition assets, Lyme Bay acted as a command and control station and auxiliary support ship for the exercise.“Lyme Bay acted as an afloat forward support base for the task group as it holds enough provisions, equipment, and fuel to sustain the task group for the duration of the exercise,” said Royal navy Cmdr. David Morgan, commander of RFA Lyme Bay and head of the coalition task group for the exercise. “It also acted as a launch platform for U.S. Mine Hunting Unit (MHU) and Expeditionary Mine Countermeasure Company (EXMCM) sea boats to conduct their tasks, as well as a landing site for HM (Helicopter Mine Countermeasures Squadron) 15 helicopters; allowing us to refine various MCM capabilities.” UK, US conclude mine countermeasure drill View post tag: US Navy View post tag: MCM Share this article
“Many banks and private equity funds are still hiring in Dubai and Asia, so being willing to move there for a few years will probably help your application.”Moving to Dubai has other advantages – the tax burden is much less and living costs are significantly lower than in the UK.Jonathan Black, Director of the Oxford Careers Service, commented that “in this situation there is no space for students to be complacent – but then there never really was.” He went to say that “While certain things are outside our control, employers are going to be interested in how you deal with bad situations.”He urged students not to be discouraged or anxious about the current graduate job market, and to approach their applications with confidence.“Focus on fewer applications, but really concentrate on them. In general, students need to take more care over this process – a leading recruiter told me just the other day that they have to reject 25% of applications purely because of stupid mistakes.”With fewer vacancies available, the importance of networking has never been greater.Jonathan advocates a concerted campaign of what he terms ‘information interviewing’ – a process of sending out letters and emails asking for further information on the sector to key individuals that can often result in a positive outcome. “People never believe me, but it really does work. Extra efforts to be courteous like handwritten thank-you letters can make all the difference.”The Careers Service will be launching a new website later in the term which will allow students to post their CVs online and match them up with recruiters’ profiles. In such an uncertain and difficult time, every increment can make a difference.• Be prepared to move out of Europe. Lehman’s didn’t fire anyone in the Dubai office so be willing to move out to the Middle East• Don’t be discouraged, employers will be interested in how you deal with bad situations• Approach applications with confidence• Focus on fewer applications, but really concentrate on them. In general, students need to concentrate more over this process However, companies will always aim to avoid rescinding graduate offers because of the negative message this sends to campuses.She explained that banks and financial institiutions have made redundancies at every level over the last few months and there may be more to come.She continued, “Banks don’t want to lose juniors as they are the future of the company, but sometimes it’s the only way to cut costs.”Chris Stainton, an Oxford graduate who set up UniVentures, a recruitment consultancy and marketing agency in April 2007, echoed this, saying, “the banking job market has clearly tightened.“Graduate recruiters always respond to business need – the message on worsening market conditions has certainly filtered through, and as a result, banks are focused on recruiting interns rather than full time analysts.”Mergers have affected a large number of financial organisations in the past couple of months, and fewer graduate positions will be offered in the sector as a result.However, our interviewee maintained that prospective candidates shouldn’t be discouraged.She said, “It’s actually a not a bad time to start out in banking. Because of all the redundancies higher up, graduates starting next year are likely to be given more responsibility than they might have otherwise had.“It will be more competitive, but if you’re really interested in the job this is a fascinating time to be in the sector. Recession is like a rite of passage for a banker.”Beating the Crunch in 2009While competition is necessarily going to be much fiercer for this year’s graduate intake, there are steps that Oxford students can take to improve their chances. For those wanting to get into finance, our interviewee’s recommendation is to be willing to move out of Europe. Students graduating in 2009 face unprecedented levels of debt and will struggle to find employment in the contracting economy.The introduction of top-up fees in 2006 along with the rising cost of living will mean that this year’s finalists will graduate with the highest level of student debt ever seen in the UK.According to a survey conducted by the independent university guide Push.co.uk in August 2008, Oxford students will graduate with an average debt of £12,311.On top of this, the Student Loan Company doubled its interest rate to 4.8% earlier this year, bringing it to its highest level since 1991.Loan repayments are collected as a percentage of post-graduation salaries over £15,000, meaning that finding a well-paid job straight from university is absolutely essential for many students.However, the global economic downturn of the past few months has meant that the graduate job market is contracting. Companies are being forced to merge in order to bring down their fixed costs, and as a result fewer graduate positions are on offer.Trinity Mirror plc, which publishes the Daily Mirror and the Sunday Mirror as well as over 150 regional newspapers, announced earlier this year that it had cancelled its graduate scheme, and that recruitment would not recommence for the foreseeable future.The financial world has seen the biggest reductions in graduate positions.A recent survey by the Income Data Services suggested that financial firms are expected to employ 14.7% fewer graduates this year.Growth in the graduate job market as a whole is expected to fall sharply compared to this time last year, with many companies explicitly citing the credit crunch as the cause of this reduction.We spoke to an employee who recently joined Lehman Brothers. She explained the state of affairs within the industry and added that like in all previous recessions, graduate recruitment across the financial sector is going to shrink.