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Caveat
As with many posts, these observations do not apply to all current or former McKinsey consultants. But it does apply - to a lesser degree for some than others - to most of the McKinsey folks I've worked with.What are airline miles and hotel points?
Airlines and hotels have programs to encourage loyalty among their passengers and guests. Participants can earn miles for flights and points for hotel stays. The miles are usually redeemed for free airline travel and the points exchanged for free hotel stays. Participants can also earn various levels of status that entitle them to additional benefits like earning bonus miles and points or free upgrades (e.g., economy to first class seats on a flight, standard room to a suite in a hotel). In addition, there are airline and hotel-affiliated credit cards that allow participants to earn additional miles or points for other purchases.Which programs are most popular?
In McKinsey's US locations, American's "Aadvantage Program" and United's "MileagePlus" are the most popular frequent flyer programs. A few years ago McKinsey's preferred airline switched from American to United so some consultants adjusted their allegiances accordingly. Generally, consultants can book whatever airline they prefer as long as it isn't significantly more expensive than the preferred airline option.Popularity of frequent flyer programs also depends on which airlines serve a given McKinsey location. For example, consultants in Atlanta or Seattle might prefer to amass Delta or Alaska Airlines miles, respectively. Airlines also form partnerships or alliances (e.g., the Star Alliance includes United, US Air, and Air Canada) with each other, meaning you might be able to earn miles in your favorite program for flights on another partner airline.
For hotels, there's a clear favorite at McKinsey - the Starwood Preferred Guest or "SPG" program. There are a few reasons for this:
- Starwood properties can be found in many cities to which consultants have to travel on business
- Starwood includes many great properties (e.g., St. Regis, W, Westin, Sheraton, Meridien) that are worth staying in for both work and vacation.
- SPG often runs promotions for bonus points or free nights (e.g., one free night for every two stays)
- The American Express Starwood credit card allows participants to earn bonus points when used to pay for Starwood hotel stays
- SPG status allows participants to earn more points per dollar spent
Why do consultants care so much about miles and points?
Earning hotel points and airline miles can help offset the downsides of so much time spent on the road away from friends and family. Turning all of that travel into free vacations can go a long way toward taking a break and recovering from the crazy lifestyle, compensate for poor work/life balance and keeping the peace with significant others (SOs).I've also heard BAs speak of miles and points as valuable perks that are even seen as supplemental income. Although consultants are well paid, but some, especially BAs, have passed up more lucrative opportunities to work at McKinsey. So, some consultants consider miles, points, and the things for which they can be redeemed to be important perks that keep them happy.
Over the course of a single travel engagement, it's possible to earn enough airline miles and hotel points for a consultant and their SO to take a free vacation. For example, their flights to Hawaii (with complimentary upgrades to first class, of course!) and a week at the beautiful (and normally quite expensive, on the order of $600+ per night) St. Regis in Princeville, Kauai can be "paid for" using miles and points.
In a future post, I'll discuss the great lengths to which some consultants will go to maximize the number of miles and points they earn.
Why is this important?
If you have current or former McKinsey consultants working for you, it can be helpful to remember how valuable miles and points might be to them. If they have to travel for work, they might be appreciative if you can give them a little latitude in how they get there and where they stay. It's especially worth giving them that freedom if it doesn't make much difference to you and/or they can do it in a cost-effective manner. To the extent that you are able, let them choose their airlines and hotels and let them keep the miles and points that they earn.One anecdote that highlights the importance of these perks comes from McKinsey's West Coast Office (WCO). During the economic downturn, McKinsey, like most companies, had to do some belt-tightening to get through lean times. That included changing policies and cutting back on a lot of perks. As the economy improved some of those cuts were restored and announced at a WCO "town hall" meeting. Out of a substantial list of changes, the only one that elicited an audible response from the audience - a loud cheer - was that consultants would once again be allowed to use their own credit cards (read: SPG AmEx) rather than their corporate cards to pay for expenses including hotel rooms. This means that consultants can once again use their personal SPG AmEx cards to pay for Starwood hotel stays, increasing the number of hotel points they can earn. That change probably didn't deliver a huge financial benefit, but clearly impacted the morale of the consultants.
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The foreign currency exchange market has emerged as one of the fastest-growing globally in the last decade. Supple and inexpensive, foreign exchange trading, or forex, appeals to a wide range of traders.
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Forex trading dates back to the times of barter and trade. Unfortunately, throughout the past, it was available only to the rich individuals, banks and later large corporations.
In the late 1990s, the advent of the internet and modern technology enabled individual traders to connect with forex dealers, and trade online.
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The novice trader needs to know 'what is Forex' and all of its components. Traders should be well versed in the fundaments of the market before trading it. Hence, in the interest of our readers, we have presented all the basics of the Forex market in this article, which includes the size & liquidity, components, types, etc. Also, we have discussed the reasons why you should prefer trading the Forex market over other financial markets.
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Technical analysis involves studying the historical price movements of an asset. For this numerous charts are at the disposal of the traders. As the market moves on every movement of the asset is recorded in the shape of candles, bars or lines. Technical analysis can also be done through indicators and tools especially designed for the forex market. Firstly, it is vital to identify and understand the direction in which the price of a particular asset is trending. The support and resistance lines can be determined from the price charts and timeframes. From individual small scale traders to large players like banks and hedge funds, everyone has access to the price graphs. Advanced computer systems are employed to find out any inconsistencies between several currency pairs. Rarely does a major inconsistency last longer than a few seconds, as recorded by these programs.
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وبسایت موسسه ستاره دانش پارسیان (اپلای استار) مرجع اطلاعات در خصوص تحصیل در آلمان، ویزای دانشجویی آلمان و کمک هزینه تحصیلی آلمان آماده خدمت رسانی و مشاوره به شما علاقه مندان به تحصیل در آلمان می باشد.آلمان
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There are some that are only interested to make profits at the expense of the customer and there are others who are committed to render quality services to customers. Before you make your final decision when choosing an online forex broker, there are several critical factors that you need to consider in order to get a broker who will meet your trading needs. Below are 9 Factors to consider when choosing a Forex Broker.
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One way of you then using those bonus funds to hedge any trade is by placing an opposing trade at two different Brokers, but using the bonus funds to pay for those trades.
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Currencies not classed as major currencies, but are normally traded against a major currency are called minor currencies and crosses.
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Margin calculations in forex are a deposit that a trader puts up in order to secure a position. Think of it as collateral—it's not a fee or a cost, but it ensures that your account can handle whatever trades you are making.
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If you receive more than you are required to pay, the “positive” carry will be added to your trading account. On the other hand, a “negative” carry will be deducted from your trading account. When you open and close a position on the same day, you are not charged, or paid any interest.
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An example of this might be a trader that trades off the 4hr chart. They may choose to look at the charts and scan for trades during the US and UK sessions when the 4hr candle closes.
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If there are other buy orders from other clients then the broker can match the two orders in which case the two clients will trade against each other. However, if there are no opposing orders from other clients then the market maker broker will itself sell the currency pair to the trader.
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Before I get into some specifics of the strategy, you may be wondering how a trader can effectively find good trades if they are not constantly watching the market? The essence of this approach is that the trader will place orders to enter into the market at strategic price points.
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دسترسي هاي پروژه شهيد خرازي از شمال اتوبان خرازي و در بخش جنوبي اتوبان حکيم مي باشد ، همچنين پروژه پدافند ارتش در نزديکي اين پروژه قرار گرفته است
ReplyDeleteليست قيمت نقاشي ساختمان به صورت دقيق و کامل بر اساس نرخ اتحاديه نقاشي ساختمان در سال 1400 را ميتوانيد در اين صفحه از استاده مشاهده نماييد.
توجه داشته باشيد که ليست قيمتهاي نقاشي ساختمان در فروردين 1400 به روز رساني شده است. زماني که حرف از رنگ و نقاشي خانه مي شود
اولين چيزي که به ذهن ما مي رسد قيمت نقاشي ساختمان است. اينکه چگونه نقاشان ساختمان متراژ خانه را محاسبه مي کنند و قيمت دقيقي را اعلام مي کنند
شايد موضوعي باشد که براي شما نيز جالب توجه باشد. در ادامه مي خواهيم ضمن ارائه قيمت نقاشي ساختمان با رنگ روغن و قيمت نقاشي ساختمان با رنگ پلاستيک،
چگونگي محاسبه متراژ خانه جهت رنگ آميزي را بيان کنيم تا بتوانيد خود به راحتي همچون يک نقاش ماهر به محاسبه متراژ و هزينه ها بپردازيد.
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Peshawar Zalmi vs Lahore Qalandars
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