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Rkumar published in Relationship

6 Ways to Keep Your Dating Relationship Exciting

After you have been in a dating relationship for a while, you may sink into a routine and begin to forget the exhilarating passion you used to feel. Fortunately, this isn’t a necessary side effect of a long-term relationship, and it is possible to keep things exciting for months and years to come. Here are five ideas to get you thinking about how to keep the fire alive.

Relive Your First Date

Sometimes, the best way to remember the passionate feelings you had at the start of your dating relationship is to go back to where they all began. Make reservations at that first restaurant you visited, pick up your date, and don’t kiss unless it happened that first time. You can even try re-introducing yourselves and asking the basic questions that you already know the answers to. You might be surprised when it feels like you are discovering love all over again.

Start a Project Together

Find a long-term endeavor that both of you can work on throughout your dating relationship. Have you always talked about fixing up your garage but never gotten around to it? Invite your significant other to help out and contribute ideas for the redesign. Do you love cooking together? Try making your own salsa (or pasta sauce or hot chocolate mix) and sending it to your friends. These projects will give you lots of quality time to spend together and get to know each other. Plus, you will end up with a great finished product you can be proud of together.

Have “getaway” Nights

Every few weeks, spend a night with no distractions but each other. Leave phones, computers, and anything else that connects you to the world at home. Go to a small restaurant where you won’t see anyone you know. Take an evening to pretend that you’re the only two people on Earth. If you want, spend the night at a hotel in town to really feel like you’re getting away.

Write Letters to Each Other

Even if you see each other every day, write letters back and forth. Writing down your thoughts not only lets you open up your heart and mind in a new way, but it gives you a permanent way to hold on to those feelings forever. Two lovers exchanging letters is a classic romantic cliché and it may be the perfect way to reignite the passion of your dating relationship.

Give Simple Gifts.

Sure, holidays are times to give elaborate, expensive gifts. Let every day be an opportunity to give small, simple gifts, though. You’ll have just as much fun picking them out as your partner will when receiving them. Sometimes, the smallest things make the biggest difference.

Read Through a Book Together

Find a novel that addresses a subject matter you’re both interested in. Set up a schedule for how frequently you will each read and discuss your views at the end of each chapter. It’s a very good way to get the discussion going and get a deeper look into each other’s thoughts. Who says a dating relationship cannot also be a book club?

If your dating relationship doesn’t feel as exciting as it used to, don’t worry! These tips should get your mind thinking about fun and intimate ways to remember the love you’ve always had.

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Pranabbhandari published in Business

Explain What Is Leveraged Finance

The usage of debt and debt markets has been increasing especially with the rising cost of raising equity as well as the easy availability of debt as well as leveraged financing in the market. One popular method of raising debt is through leveraged finance investment banking. Leveraged Finance or Leveraged lending is a commercial loan usually by a syndicate of banks to a particular company or a group of companies who may already be under a huge amount of debt. The risk in leveraged finance is high due to the high debt of the borrower company and that is why the transactions are generally arranged by an investment banking company that is known as the arrangers.

How large is the leveraged finance market?

Leveraged Finance and lending arose and gained prominence in the 1980s and the markets have expanded ever since then. The Leveraged finance investment banking market though is more prominent in the United States as compared to Europe. The total value of leveraged finance in the United States was at $497 Billion in 2010 which has more than doubled to $1.2 trillion as of 2019. As compared to the same, the markets in Europe had an outstanding leveraged loan worth $180 billion which was less than the yearly transactions conducted in the United States.

Why are Leveraged Loans undertaken?

Leveraged loans are often risky transactions for both the parties involved i.e., both the borrower as well as the lender. The borrower might already have high levels of debt on their books and taking on additional debt may push them to bankruptcy which could harm both the borrower and the lender. Despite the inherent riskiness of the transaction, there has been a huge demand for a leveraged finance investment bank in the United States. The transactions are particularly favoured to undertake Leveraged Buyouts especially in the case of LBOs by the management of the organization. Since the management won’t have the necessary finance to fund the buyout, leveraged loans are resorted to. In MBOs and LBOs, management often places their faith in overturning the fortunes of the company and repaying the loans from the cash flow of the company.

Apart from LBOs and MBO’s, leveraged finance is also used for strategic acquisitions that may lead to value unlocking or synergy creations as well as refinancing a firm. Refinancing generally is to change the capital mix of the organization and usage of debt allows them to reduce the overall cost of capital of the company.

How are Leveraged Loans structured?

Leveraged Loans are often structured in multiple tranches for providing protection to the senior and secured lenders whereas the losses up to an extent are borne by the junior or subordinated tranches of the lenders. The securitization form of transactions is also used in leveraged finance wherein the loan is transferred to a special purpose entity and such loan is securitized and sold off to various investors. Such securitization may also be as per various tranches for offering protection to the senior investors.

The structure of a leveraged loan or leveraged finance is often complex due to the various tranches as well as types of loans that are fitted in a single transaction. To manage as well as reduce such complexity, investment banking companies are hired to assist with the management of the transaction.

Role of Investment Banks in Leveraged Finance:

Investment Banks play a large role in leveraged finance as they are often the main part of the entire transaction. Investment Banks play the role of the intermediary between the financial institutions and the borrowers and allow either of the parties to feel at ease. Many companies even offer the services of underwriting the leveraged loans to the financial institutions reducing their risks and increasing the faith of the institutions in raising the loans to the borrower.

Investment Banks also generally monitor the transactions in order to ensure the borrowing firm does not face bankruptcy. Firms like Acuity Knowledge Partners, often assist financial institutions as well as Investment banks in monitoring the financial condition as well as the credit quality of the borrower to ensure they’re in no deterioration. In case of worsening conditions, the firm can act as an advanced monitoring system to ensure that the lenders or the investment bank step in and assist in course correction.

Conclusion:

Leveraged Finance Investment Banking in simple terms can be understood as a high-risk loan to a below-investment-grade company. The yield on such loans is higher than the normal rate in order to compensate for the additional risk being taken upon by the lenders. Leveraged Finance finds a market in economic upturns while taking a backseat in the downturns, however, the popularity of the means of finance, especially in the United States ensures that the transaction type is here to stay.

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Corine published in Business

How to Make a Good CV in 2021?

At a time when recruiters do not spend much time on each job application, making a simple, clear and concise curriculum vitae has become the guarantee to attract their attention and arouse their interest. Recruiters are receiving more and more applications and have less and less time to allocate to each of them (between 6 and 40 seconds per CV depending on the studies). Creating the perfect CV then became a sine qua non for landing a job.

Determine What to Include in the CV

The first step is to take stock of the information that will appear in the document. If this is your first time writing a CV, this step is even more important. The point is to identify the relevant elements of your professional career that echo the job description (experience, skills, profile sought in the advertisement, training, etc.) in order to write an application that is both suitable for the post and personalized.

This step requires your full attention since it is this work that will give relevance to your CV. Indeed, a good CV is an optimized CV in which only judicious elements appear according to the advertisement. For example, if you are applying for a sales position, no need to mention your training in butchery or your 6 months as a handler. Limit yourself to experiences that demonstrate knowledge of sales or customer relations (summer job, internships, fixed-term contracts, etc.).

Choose a Simple CV Template

Once you know exactly what information to put on your CV, it is time to choose the right cv template that will showcase them. You can take inspiration from existing examples on the Internet and create your CV using word processing software such as Word or use a tool that makes your job easier and offers templates to fill out. We recommend choosing an online CV creator. Thus, you just have to let yourself be guided to fill in the different sections and the site takes care of the layout and design. Free and without registration, this generator allows you to create a simple, efficient and clear curriculum vitae.

Include your professional social media profiles

Social networks must be highlighted on your CV. As a matter of fact, showing your networking strength on your resume is very advantageous. You can insert a QR Code pointing to your LinkedIn profile or your personal blog for instance. This will show that you are connected, follow the trends and give yourself good visibility. It will also allow recruiters to easily access your profile on LinkedIn. You can also include Twitter and Facebook on your resume. Apart from that, you can show them that you can learn new things, and you won’t be afraid of stepping outside your comfort zone.

In 2021, a professional CV is a simple, elegant and airy CV. But don’t confuse this simplicity with banality. You need a little originality if you want to grab the recruiter’s attention. To make your job easier, always consider using a reliable CV generator. You will save time and improve your chances to land a job interview.

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