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The Lifelong Learning Sector: Reflective Reader

The Lifelong Learning Sector: Reflective Reader

Edited by:

March 2010 | 144 pages | Learning Matters
This book provides an overview of the Lifelong Learning Sector while also helping students engage with professional writing. Each chapter in the book is presented as an independently authored 'paper' concentrating on a key theme, including professionalism, reflective practice and how previous experience can shape teaching. Guidance and discussion notes follow to help the reader evaluate the writing and approach, and activities are included to develop the readers' own professional skills in reading and writing. This is an invaluable text for all those working towards QTLS, covering key content, demystifying academic writing, and encouraging reflective reading and practice.
How previous experience can shape our teaching
The origins and implications of the professional standards for teachers in the Lifelong Learning Sector
Are lesson plans important?
Teaching for inclusion: pedagogies for the ‘sector of the second chance’
Responding to learners’ literacy and numeracy needs
Assessment 14-19
Professionalism and reflective practice
Belonging and collegiality: the college as a community of practice
Mentoring in theory and practice
Institutional issues: the college of further of education as a 21st century organization

A very useful starting point for education students in general; however, also a good source of reference for students who need to provide a critical discussion of reflective models.

Miss Lynne Sanders
Teacher Education, City College
September 20, 2013

For learners who struggle to complete reflective learning journals this is very informative and I would recommend to all my learners to dip into this book for help.

Mrs Dorothy Braidwood
Professional Studies, Norfolk Adult Education Service
May 2, 2013

This is a very useful book in support of the higher level learner.

Mrs Andrea Morgans
General Education, Cardiff and Vale College
February 18, 2013

A useful introductory text, especially for Level 3 and 4

Cathie Lacey
Education (Walsall), Wolverhampton University
October 31, 2012

A reference book for experienced and new tutors that can place reflective practice in the fore front of all tutors lessons.
For Dtlls learners a must read in understanding what reflective practice is all about.

Mr Paul Reed
Teaching, Learning and Standards, Riverside College Halton
October 12, 2012

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Any opinions, findings, conclusions, or recommendations expressed in this dissertation are those of the authors and do not necessarily reflect the views of UKDiss.com.

Evolution of Investment Banking

Info: 5488 words (22 pages) Dissertation
Published: 12th Dec 2019

Reference this

Tagged: Banking

At a very macro level, ‘Investment Banking’ as term suggests, is concerned with the primary function of assisting the capital market in its function of capital intermediation, i.e., the movement of financial resources from those who have them (the Investors), to those who need to make use of them for generating GDP (the Issuers). Banking and financial institution on the one hand and the capital market on the other are the two broad platforms of institutional that investment for capital flows in economy. Therefore, it could be inferred that investment banks are those institutions that are counterparts of banks in the capital markets in the function of intermediation in the resource allocation. Nevertheless, it would be unfair to conclude so, as that would confine investment banking to very narrow sphere of its activities in the modern world of high finance. Over the decades, backed by evolution and also fuelled by recent technologies developments, an investment banking has transformed repeatedly to suit the needs of the finance community and thus become one of the most vibrant and exciting segment of financial services. Investment bankers have always enjoyed celebrity status, but at times, they have paid the price for the price for excessive flamboyance as well.

To continue from the above words of John F. Marshall and M.E. Eills,

‘investment banking is what investment banks do’

. This definition can be explained in the context of how investment banks have evolved in their functionality and how history and regulatory intervention have shaped such an evolution. Much of investment banking in its present form, thus owes its origins to the financial markets in USA, due o which, American investment banks have banks have been leaders in the American and Euro markets as well. Therefore, the term ‘investment banking’ can arguably be said to be of American origin. Their counterparts in UK were termed as ‘merchants banks’ since they had confined themselves to capital market intermediation until the US investments banks entered the UK and European markets and extended the scope of such businesses.

Investment banks

help companies and governments and their agencies to raise money by issuing and selling acquisitions and other types of financial transactions.

Investment banks also act as intermediaries in trading for clients. Investment banks differ from stocks, bonds, and mutual funds. However some firms operate as both brokerages and investment banks; this includes some of the best known financial services firms in the world.

More commonly used today to characterize what was traditionally termed” investment banking” is “sells side.” This is trading securities for cash or securities (i.e., facilitating transactions, market-making), or the promotion of securities (i.e. underwriting,research, etc.).

The “buy side” constitutes the hedge funds, and the investing public who consume the products and services of the sell-side in order to maximize their return on investment. Many firms have both buy and sell side components.

An individual or institution, which acts as an underwriter or agent for corporations and municipalities issuing securities. Most also maintain broker/dealer operations, maintain markets for previously issued securities, and offer advisory services to investors. Investment banks also have a large role in facilitating mergers and acquisitions, private equity placements and corporate restructuring. Unlike traditional banks, investment banks do not accept deposits from and provide loans to individuals. Also called investment banker.

Who needs an Investment Bank?

Any firm contemplating a significant transaction can benefit from the advice of an investment bank. Although large corporations often have sophisticated finance and corporate development departments provide objectivity, a valuable contact network, allows for efficient use of client personnel, and is vitally interested in seeing the transaction close.

Most small to medium sized companies do not have a large in-house staff, and in a financial transaction may be at a disadvantage versus larger competitors. A quality investment banking firm can provide the services required to initiate and execute a major transaction, thereby empowering small to medium sized companies with financial and transaction experience without the addition of permanent overhead, an investment bank provides objectivity, a valuable contact network, allows for efficient use of client personnel, and is vitally interested in seeing the transaction close.

Most small to medium sized companies do not have a large in-house staff, and in a financial transaction may be at a disadvantage versus larger competitors. A quality investment-banking firm can provide the services

The main activities and units

The primary function of an investment bank is buying and selling products both on behalf of the bank’s clients and also for the bank itself. Banks undertake risk through proprietary trading, done by a special set of traders who do not interface with clients and through Principal Risk, risk undertaken by a trader after he or she buys or sells a product to a client and does not hedge his or her total exposure. Banks seek to maximize profitability for a given amount of risk on their balance sheet

An investment bank is split into the so-called

Front Office

Middle Office

Back Office.

The individual activities are described below:

Front Office Investment Banking

is the traditional aspect of investment banks which involves helping customers raise Corporate Finance (often pronounced “corpfin”).

mutual funds) .

Research and Structuring.

Sales desks then communicate their clients’ orders to the appropriate trading desks, which can price and execute trades, or structure new products that fit a specific need.

Research is the division which reviews companies and writes reports about their prospects, often with “buy” or “sell” ratings. While the research division generates no revenue, its resources are used to assist traders in trading, the sales force in suggesting ideas to customers, and investment bankers by covering their clients. In recent years the relationship between investment banking and research has become highly regulated, reducing its importance to the investment bank.

has been a relatively recent division as derivatives have come into play, with highly technical and numerate employees working on creating complex structured products which typically offer much greater margins and returns than underlying cash securities.

Middle Office

* operational risk” and the assurance Middle Offices provide now include measures to address this risk. When this assurance is not in place, market and credit risk analysis can be unreliable and open to deliberate manipulation.

Back Office Operations

involve data-checking trades that have been conducted, ensuring that they are not erroneous, and transacting the required transfers. While it provides the greatest job security of the divisions within an investment bank, it is a critical part of the bank that involves managing the financial information of the bank and ensures efficient capital markets through the financial reporting function. The staff in these areas are often highly qualified and need to understand in depth the deals and transactions that occur across all the divisions of the bank.

New products

Investment banking is one of the most global industries and is hence continuously challenged to respond to new developments and innovation in the global financial markets. Throughout the history of investment banking, many have theorized that all investment banking products and services would be copyrighted, they are very often copied quickly by competing banks, pushing down trading margins.

For example,

OTC contract has to be uniquely structured and could involve complex pay-off and risk profiles. Listed option contracts are traded through major exchanges, such as the CBOE, and are almost as commoditized as general equity securities.

In addition, while many products have been commoditized, an increasing amount of profit within investment banks has come from proprietary trading, where size creates a positive network benefit (since the more trades an investment bank does, the more it knows about the market flow, allowing it to theoretically make better trades and pass on better guidance to clients).

Potential conflicts of interest may arise between different parts of a bank, creating the potential for financial movements that could be market manipulation. Authorities that regulate investment banking (the Chinese wall which prohibits communication between investment banking on one side and research and equities on the other.

Some of the conflicts of interest that can be found in investment banking are listed here:

  • Historically, equity research firms were founded and owned by investment banks. One common practice is for equity analysts to initiate coverage on a company in order to develop relationships that lead to highly profitable investment banking business. In the 1990s, many equity researchers allegedly traded positive stock ratings directly for investment banking business. On the flip side of the coin: companies would threaten to divert investment banking business to competitors unless their stock was rated favorably. Politicians acted to pass laws to criminalize such acts. Increased pressure from regulators and a series of lawsuits, settlements, and prosecutions curbed this business to a large extent following the 2001 stock market tumble
  • Many investment banks also own retail brokerages. Also during the 1990s, some retail brokerages sold consumers securities which did not meet their stated risk profile. This behavior may have led to investment banking business or even sales of surplus shares during a public offering to keep public perception of the stock favorable.
  • Since investment banks engage heavily in trading for their own account, there is always the temptation or possibility that they might engage in some form of front running.

Types of investment banks

(guarantee the sale of) stock and bond issues, trade for their own accounts, make markets, and advise corporations on capital markets activities such as

mergers and acquisitions

Merchant banks

were traditionally banks which engaged in trade financing. The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. Unlike

Venture ca pital firms, they tend not to invest in new companies.

Investment banks provide four primary types of services:

Raising capital, advising in mergers and acquisitions, executing securities sales and trading, and performing general advisory services. Most of the major Wall Street firms are active in each of these categories. Smaller investment banks may specialize in two or three of these categories.

Raising Capital

An investment bank can assist a firm in raising funds to achieve a variety of objectives, such as to acquire another company, reduce its debt load, expand existing operations, or for specific project financing. Capital can include some combination of debt, common equity, preferred equity, and hybrid securities such as convertible debt or debt with warrants. Although many people associate raising capital with public stock offerings, a great deal of capital is actually raised through private placements with institutions, specialized investment funds, and private individuals. The investment bank will work with the client to structure the transaction to meet specific objectives while being attractive to investors.

Mergers and Acquisitions

Investment banks often represent firms in mergers, acquisitions, and divestitures. Example projects include the acquisition of a specific firm, the sale of a company or a subsidiary of the company, and assistance in identifying, structuring, and executing a merger or joint venture. In each case, the investment bank should provide a thorough analysis of the entity bought or sold, as well as a valuation range and recommended structure.

Sales and Trading

These services are primarily relevant only to publicly traded firms, or firms, which plan to go public in the near future. Specific functions include making a market in a stock, placing new offerings, and publishing research reports.

General Advisory Services:

Advisory services include assignments such as strategic planning, business valuations, assisting in financial restructurings, and providing an opinion as to the fairness of a proposed transaction.

Terms Related To Investment Bank

Buying and Selling

Deciding on the proper time to purchase a security that you would like to add to your holdings can be a daunting task. If the price drops immediately after you buy, it may seem as if you missed out on a better buying opportunity. If the price jumps right before you make your move, you may feel as if you paid too much. As it turns out, you should not let these small fluctuations influence your decision too much. As long as the fundamentals that led you to decide on the purchase have not changed, a few points in either direction should not have a large impact on the long-term value of your investment.

Similarly, the fact that an investment has been increasing in value of late is not a sufficient reason for you to purchase it. Momentum can be very fickle, and recent movement is not necessarily an indicator of future movement. Therefore, buying decisions should be based on sound and thorough research geared toward discerning the future value of a security relative to its current price. This analysis will probably not touch upon price movement in the very recent past. As you learn more about investing you’ll get better at deciding when to buy, but most experts recommend that beginners avoid trying to time the market, and just get in as soon as they can and stay in for the long haul.

The proper time to buy a security is quite simply when it is available for less than its actual value. These undervalued securities are actually not as rare as they sound. However, the problem is simply that they are never sure bets. The value of a security includes estimates of the future performance of factors underlying the value of the security. For stocks, these factors include things like earnings growth and market share. Changes can be predicted to a degree, but they are subject to fluctuation due to forces both within and beyond the control of the company.

The overall economic climate, changes in the industry or even bad decisions by management can all cause a security poised to ascend in value to become an under performer. Therefore, it is essential to practice your analysis before putting your money into action. Make some mock purchases based on your personal analysis technique and track the results. Not all of your decisions will lead to the results you were expecting, but if most of your choices turn out to be good and there are mitigating factors that you can learn from to explain your missteps, then you may be ready to put your analysis technique and investing strategy into action.

At this point, the need to continuously monitor your investments does not disappear. Both under performers and overachievers should be studied carefully to fine-tune your strategy. You should also regularly look at your securities to make sure that the fundamentals for success that led you to buy in the first place are intact. If not, you may need to prepare to cash in and start looking for the next opportunity.

One way to avoid the hassles of deciding when to buy altogether is to practice dollar-cost averaging. This strategy advocates investing a fixed dollar amount at regular intervals. The price when you first invest is relatively unimportant (as long as the fundamentals are sound) because you will be purchasing shares at a different price each time you buy. The success of your investment then lies not with short-term fluctuations, but with the long-term movement of the value of the security.

There comes a time when investments must be liquidated and converted back into cash. In a perfect world, selling would only be necessary when investment goals have been reached or time horizons have expired, but, in reality, decisions about selling can be much more difficult. For one thing, it can be just as hard to decide when to sell as it can be to decide when to buy. No one wishes to miss out on gains by selling too soon, but, at the same time, no one wishes to watch an investment peak in value and then begin to decline.

Investors often seek to sell investments that have dropped in value in the short-term. However, if conditions have not changed significantly, drops in price may actually represent an opportunity to buy at a better price. If the initial research, which led to the purchase, was sound, a temporary decline does not preclude the success that was originally predicted. Of course, things change, and if the security no longer meets the criteria that led to its purchase, selling may in fact be the best option.

Selling may also become necessary if investment goals change over time. You may need to reduce the amount of risk in your portfolio or you may have the opportunity to seek out greater returns. Additionally, a security may have increased in value to the point that it is overvalued. This creates an excellent opportunity to cash in and seek out new undervalued investments. Often you will need to make this type of sale in the course of rebalancing a portfolio necessitated by gains and losses in different areas.

Selling can be especially difficult when an under performing stock must be dumped. Some investors let their emotions dictate their actions and hold on to stocks that have fallen in value rather than to sell, thinking that selling at a loss is like admitting that they made a mistake. However, realizing the loss and moving on to better investments is often preferable to continuing to hold onto a loser in the hopes that it will somehow rebound.

When considering any sale, you must factor in the costs of the sale itself. Fees and taxes will eat into profits, so they must be subtracted from any increases in value to understand the true impact of the transaction. Capital gains taxes are higher for gains on investments held less than one year, so it’s often wise to invest for the long term rather than to buy and sell quickly. On the other hand, it can be dangerous to hold an investment longer than you want to, simply to reduce the tax burden.

It is essential to remember that just because an investment increases in value after it has been sold does not necessarily mean that it was sold prematurely. Managing risk and diversification are often more important than capitalizing on short-term gains in a particular security. Keeping in mind the initial goals for the investment and adjusting them to fit your present goals will allow you to make smarter decisions about selling.

Principles of Investing

1. Start Investing Now
We say this not just to discourage procrastination, but because an early start can make all the difference. In general, every six years you wait doubles the required monthly savings to reach the same level of retirement income. Another motivational statistic: If you contributed some amount each month for the next nine years, and then nothing afterwards, or if you contributed nothing for the first nine years, then contributed the same amount each month for the next 41 years, you would have about the same amount. Compounding is a beautiful thing.

2. Know Yourself

The right course of action depends on your current situation, your future goals, and your personality. If you don’t take a close look at these, and make them explicit, you might be headed in the wrong direction.

Current Situation:

How healthy are you, financially? What’s your net worth right now? What’s your monthly income? What are your expenses (and where could they be reduced)? How much debt are you carrying? At what rate of interest? How much are you saving? How are you investing it? What are your returns? What are your expenses?

What are your financial goals? How much will you need to achieve them? Are you on the right track?

Risk Tolerance:

How much risk are you willing and able to accept in pursuit of your objectives? The appropriate level of risk is determined by your personality, age, job security, health, net worth, amount of cash you have to cover emergencies, and the length of your investing horizon.

3. Get Your Financial House In Order

Even though investing may be more fun than personal finance, it makes more sense to get started on them in the reverse order. If you don’t know where the money goes each month, you shouldn’t be thinking about investing yet. Tracking your spending habits is the first step toward improving them. If you’re carrying debt at a high rate of interest (especially credit card debt), you should unburden yourself before you begin investing. If you don’t know how much you save each month and how much you’ll need to save to reach your goals, there’s no way to know what investments are right for you.

If you’ve transitioned from a debt situation to paycheck-to-paycheck situation to a saving some money every month situation, you’re ready to begin investing what you save. You should start by amassing enough to cover three to six months of expenses, and keep this money in a very safe investment like a money market account, so you’re prepared in the event of an emergency. Once you’ve saved up this emergency reserve, you can progress to higher risk (and higher return) investments: bonds for money that you expect to need in the next few years, and stocks or stock mutual funds for the rest. Use dollar cost averaging, by investing about the same amount each month. This is always a good idea, but even more so with the dramatic fluctuations in the market in the past 10 years. Dollar cost averaging will make it easier to stomach the inevitable dips.

And remember; never invest in anything you don’t understand.

4. Develop A Long Term Plan

Now that you know your current situation, goals, and personality, you should have a pretty good idea of what your long-term plan should be. It should detail where the money will go: cars, houses, college, and retirement. It should also detail where the money will come from. Hopefully the numbers will be about the same.

Don’t try to time the market. Get in and stay in. We don’t know what direction the next 10% move will be, but we do know what direction the next100% move will be.

Review your plan periodically, and whenever your needs or circumstances change. If you are not confident that your plan makes sense, talk to an investment advisor or someone you trust.

5. Buy Stocks

Now that you’ve got a long term view, you can more safely invest in ‘riskier’ investments, which the market rewards (in general). This requires patience and discipline, but it increases returns. This approach reduces the entire universe of investment vehicles to two choices: stocks and stock mutual funds. In the long run, they’re the winners: In this century, stocks beat bonds 8 out of 9 decades, and they’re well in the lead again. According to Ibbotson’s Stocks, Bonds, Bills and Inflation 1995 Yearbook, here are the average annual returns from 1926 to 1994 (before inflation):

  • Stocks: 10.2% (and small company stocks were 12.1%)
  • Intermediate term treasury bonds: 5.1%
  • 30-day T-bills: 3.7%

But is it really worth the additional risk just for a few percentage points? The answer is yes. 10% a year for 20 years is 570%, but 7% a year for 20 years is only 280%. Compounding is God’s gift to long-term planners.

If you buy outstanding companies, and hold them through the market’s gyrations, you will be rewarded. If you aren’t good at selecting stocks, select some mutual funds. If you aren’t good at selecting mutual funds, go with an index fund (like the Vanguard S&P 500).

6. Investigate Before You Invest

Always do your homework. The more you know, the better off you are. This requires that you keep learning, and pay attention to events that might affect you. Understand personal finance matters that could affect you (for example, proposed tax changes). Understand how each of your investments fits in with the rest of your portfolio and with your overall strategy. Understand the risks associated with each investment. Gather unbiased, objective information. Get a second opinion, a third opinion, etc. Be cautious when evaluating the advice of anyone with a vested interest.

If you’re going to invest in stocks, learn as much as you can about the companies you’re considering. Understand before you invest. Research, research, Read books. Consider joining an investment club or an organization like the American Association of Individual Investors. Experiment with various strategies before you put your own money on the line. Examine historical data or participate in a stock market simulation. Try a momentum portfolio, a technical analysis portfolio, a bottom fisher portfolio, a dividend portfolio, a price/earnings growth portfolio, an intuition portfolio, a mega trends portfolio, and any others you think of. In the process you’ll find out which ones work best for you. Learn from your own mistakes, and learn from the mistakes of others.

If you don’t have time for all this work consider mutual funds, especially index funds.

7. Develop the Right Attitude

The following personality traits will help you achieve financial success:

Develop a plan, and stick with it. As you continue to learn, you’ll become more confident that you’re on the right track. Alter your asset allocation based on changes in your personal situation, not because of some short-term market fluctuation.

Let your intelligence, not your emotions; make your decisions for you. Understand that you will make mistakes and take losses; even the best investors do. Re-evaluate your strategy from time to time, but don’t second-guess it.

Don’t let your emotions be ruled by today’s performance. In most cases, you shouldn’t even be watching the day-to-day performance, unless you like to. Also, don’t ever feel like it’s now or never. Don’t be pressured into an investment you don’t yet understand or feel comfortable with.

The following personality traits will hurt your chances of financial success:

If you are unwilling to take any risk, you will be stuck with investments that barely beat inflation.

As an investment class, ‘get rich quick’ schemes have the worst returns. If your expectations are unrealistically high, you’ll go for the big scores, which usually don’t work.

It is generally a good idea to avoid making financial decisions based on emotional factors.

8. Get Help If You Need It

The do-it-yourself approach isn’t for everyone. If you try it and it’s not working, or you’re afraid to try it at all, or you just don’t have the time or desire, there’s nothing wrong with seeking professional assistance.

If you want others to handle your financial affairs for you, you will nevertheless want to remain involved to some degree, to make sure your money is being spent wisely.

Initial Public Offerings

Initial Public Offerings (IPOs) are the first time a company sells its stock to the public. Sometimes IPOs are associated with huge first-day gains; other times, when the market is cold, they flop. It’s often difficult for an individual investor to realize the huge gains, since in most cases only institutional investors have access to the stock at the offering price. By the time the general public can trade the stock, most of its first-day gains have already been made. However, a savvy and informed investor should still watch the IPO market, because this is the first opportunity to buy these stocks.

Reasons for an IPO

When a privately held corporation needs to raise additional capital, it can either take on debt or sell partial ownership. If the corporation chooses to sell ownership to the public, it engages in an IPO. Corporations choose to “go public” instead of issuing debt securities for several reasons. The most common reason is that capital raised through an IPO does not have to be repaid, whereas debt securities such as bonds must be repaid with interest. Despite this apparent benefit, there are also many drawbacks to an IPO. A large drawback to going public is that the current owners of the privately held corporation lose a part of their ownership. Corporations weigh the costs and benefits of an IPO carefully before performing an IPO.

Going Public

If a corporation decides that it is going to perform an IPO, it will first hire an investment bank to facilitate the sale of its shares to the public. This process is commonly called “underwriting”; the bank’s role as the underwriter varies according to the method of underwriting agreed upon, but its primary function remains the same.

In accordance with the Securities Act of 1933, the corporation will file a registration statement with the Securities and Exchange Commission (SEC). The registration statement must fully disclose all material information to the SEC, including a description of the corporation, detailed financial statements, biographical information on insiders, and the number of shares owned by each insider. After filing, the corporation must wait for the SEC to investigate the registration statement and approve of the full disclosure.

During this period while the SEC investigates the corporation’s filings, the underwriter will try to increase demand for the corporation’s stock. Many investment banks will print “tombstone” advertisements that offer “bare-bones” information to prospective investors. The underwriter will also issue a preliminary prospectus, or “red herring”, to potential investors. These red herrings include much of the information contained in the registration statement, but are incomplete and subject to change. An official summary of the corporation, or prospectus, must be issued either before or along with the actual stock offering.

After the SEC approves of the corporation’s full disclosure, the corporation and the underwriter decide on the price and date of the IPO; the IPO is then conducted on the determined date. IPO’s are sometimes postponed or even withdrawn in poor market conditions.

The aftermarket performance of an IPO is how the stock price behaves after the day of its offering on the secondary market (such as the NYSE or the NASDAQ). Investors can use this information to judge the likelihood that an IPO in a specific industry or from a specific lead underwriter will perform well in the days (or months) following its offering. The first-day gains of some IPO’s have made investors all too aware of the money to be had in IPO investing. Unfortunately, for the small individual investor, realizing those much-publicized gains is nearly impossible. The crux of the problem is that individual investors are just too small to get in on the IPO market before the jump. Those large first-day returns are made over the offering price of the stock, at which only large, institutional investors can buy in. The system is one o

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Butler vs Wisconsin Milwaukee Spread, Trends, and Free Pick – 2011 Horizon League Championship Game

Butler Bulldogs (22-9) at Wisconsin Milwaukee (19-12)
When: Tuesday, March 8th, 2011
Where: US Cellular Arena, Milwaukee, Wisconsin
Time: 8:00 CT

Open an Account at BetUS.com Now! Sign up at BetUS.com to bet all the Web’s best NBA and NCAA basketball odds and props!

The point spread for tonight’s Horizon League Championship Game between the Butler Bulldogs and Wisconsin Milwaukee Panthers opened up Monday afternoon at -3 in favor of the road team Bulldogs at BetUS.com and the total was set at 137. So far, early indications are that the betting public is on the Panthers as 64% are on the home team. To help you better decide who to bet, take a look at these trends for tonight.

Bulldogs are 2-6 ATS in their last 8 Tuesday games.

Bulldogs are 1-4 ATS in their last 5 road games vs. a team with a home winning % of greater than .600.

Panthers are 6-1 ATS in their last 7 games as a home underdog.

Panthers are 6-1 ATS in their last 7 games following a S.U. win.

Under is 4-1 in Bulldogs last 5 vs. Horizon League.

Under is 4-1 in Bulldogs last 5 games as a favorite.

Over is 4-1 in Panthers last 5 overall.

Under is 9-3 in Panthers last 12 games following a ATS win.

Bulldogs are 1-5 ATS in the last 6 meetings in Wis.-Milwaukee.

Bulldogs are 0-6 ATS in the last 6 meetings.

My Prediction: Wisconsin Milwaukee gets to play this game at home by virtue of sweeping the season series this year against Butler. The Bulldogs are a much more experienced team in this situation and won’t lose to the Panthers for a third time. Take Butler minus the points.

Butler -3


text:
Product Marketing Manager - Cloud

Mendix, Boston | London | Rotterdam

We help enterprises achieve their digital goals

Duration: Full-Time

Mendix is on a mission to enable anyone in any organization – from the marketing coordinator to the software developer to the CEO – to create things that are transformational for their company.  We are fundamentally reinventing the way applications are created and we’re reinventing the future of software development.  Sounds ambitious, right?  We agree.

Not to brag, but nearly 4,000 organizations worldwide, including KLM, Medtronic, Merck, and Philips, rely on Mendix to build web and mobile applications.  Thousands of our customers use our platform to delight their clients and empower their employees. It’s no surprise that we’re a recognized Leader by Gartner and Forrester in a red-hot market expected to exceed $21 billion by 2022.  Ok, maybe we did want to brag a little.  But we’re proud of what we’ve accomplished…and…we’re humble enough to admit that we need you to make us even more effective.

Product Marketing Manager - Cloud

Job Summary: As part of a massive investment in marketing to support our market-leading growth, we are looking for a dynamic, creative, and results-oriented Product Marketing Manager. Our ideal candidate is someone whose education and previous experience demonstrate technical acumen, communication, and hands-on curiosity. Traditional product marketing experience is welcome, but not necessary. Successful candidates in the past have come from product management, sales engineering, and services domains.

· Become an expert in market problems, buyer pain, Mendix value, and competitive differentiation of Mendix Cloud products by spending 20% of your time in market.
· Create messaging and positioning that maps Mendix value to pain in our target audiences and articulates offensive differentiation.
· Collaborate closely with Product Management and other Product Marketers to drive market-driven, data-driven strategic product direction.
· Partner with Sales Enablement to ensure sales teams are up-to-date with the latest product updates and releases, as well as the messaging and Sales Plays to support them.
· Influence goals and strategy of Go To Market by acting as an SME within Marketing to support demand generation, lead conversion, PR, and AR stakeholders. Inform Campaign design and execution with industry knowledge and content/asset delivery.
· Engage with Press and Analysts to support team goals for Awareness.
· Prioritize customer outcomes relentlessly and balance diverse stakeholders

Minimum Qualifications:

1. 5-10 years of relevant professional experience
2. Success working across geographically dispersed teams.
3. Deep knowledge of cloud-based service delivery trends, including DevOps, immutable infrastructure, and cloud-native computing models (containers, serverless)
4. First-hand experience with products such as AWS, Azure, GCP, RedHat OpenShift, Kubernetes, Cloud Foundry, Infrastructure Orchestration (e.g, Puppet, Ansible), and/or CI/CD tools (e.g., Jenkins, GitLab)
5. Exposure to enterprise IT security landscape
6. Maniacal focus on delivery the best possible outcomes for our customers
7. Maniacal focus on market-driven, data-driven decision making

Our Guiding Principles

While we live on different continents, speak different languages, and work on different things, we are bound by our “MendixBlue” guiding principles.  Being “MendixBlue” means that you live the culture, and you consistently improve it as we grow.  It’s kind of a big deal.

We put the customer first.  Without our customers, we have no business.  So, if you act in the best interest of our customers, always…you belong here.

We think big. We work to have a meaningful, lasting impact on the world.  So, if you aim high and think long term…you belong here.

We innovate.  We want to be what happens next.  So, if you ask “what if?” and work to find a way or make one…you belong here.

We nurture talent.  We look, not just at the sum of what an individual has done, but at the potential of who they can be.  So, if you’re up for learning from your failures…you belong here.

We hear every voice.  Inflated egos don’t last here, humility does.  So, if you share credit and ensure that the best ideas win – regardless of who they come from…you belong here.

We own it.  If something needs doing, we do it. So, if you focus on the outcome, and take initiative to get it done…you belong here.

We have fun.  We use laughter as a common language.  We can ask for help and we’re happy to give it.  So, if you find joy and purpose in what you do…you belong here.

Make your career at Mendix.

There are precious few jobs that let you create the future. But you’ll find one at Mendix. We are at a pivotal time in our company’s existence: where rapid growth meets stable funding.  This is the time for industrious people to raise their hands to solve the next generation of problems. Mendix is a place where ambitious people can thrive; where you can identify an issue, propose a solution, and build the structure to make it happen.

Important to know: Mendix is a Siemens business, which means we’re backed by the resources and stability of one of the world’s largest and most forward-looking enterprises. Think: job security.

Since our company was founded in 2005, our aim has been to create a great work environment for people at all stages in their careers. That’s why we are so pleased and honored that we were rated a top Cloud Computing Company to work for in 2019, based on feedback from our employees on Glassdoor. With offices in the Netherlands, the UK, Germany, and the US, (and more coming), we provide an international playground to truly impact the world through low-code.

About Mendix

About us We are creating an application platform that empowers people to build and continuously improve apps at unprecedented speed and scale. Who we are We’ve been in your shoes We know firsthand how hard it can be to quickly build software your users love, while maintaining the control you need. Having worked with hundreds of enterprise customers, we also understand how difficult it is to successfully execute a digital strategy. Our mission Our founders created Mendix to solve the biggest challenge in digital innovation: to empower IT and Business teams to collaborate like never before, while experiencing unmatched speed and control. These principles are architected into the very core of our platform, and they drive our relentless focus on your success. We are here to help We love helping you build breakthrough digital experiences, rejecting the conventional approach of merely doing the same things faster. We seek a long-term partnership with your team so we can help you deliver transformative value through applications. Our conviction—and your success—is powered by a diverse team of passionate and exceptional talent.

Want to learn more about Mendix? Visit Mendix's website.