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Women's Forum West 25Th Anniversary Booklet
� � ��� �� � �� � � � � � � � � � � � � � � � �� � �� �� � ��� ��� ������� �������� ������� ������� ������� ������� ������� ������� ������� ������ President’s Message Message President’s WFW President’s Message ur 25th Anniversary is the perfect time to reflect on our history and to Olook ahead. It also seems like the right time to introduce our new logo ‘Achieve, Inspire, Connect’. Our members are women whose leadership and achievements are recognized in their professions and in our communities. Women’s Forum West was founded to provide a forum where women leaders could connect. An organization where women leaders of northern California could share experiences and ideas, and where we could support each other personally and professionally. We are proud to have 30 pioneer members still active, and to welcome new exemplary women who represent virtually all-professional fields in the profit and non-profit sectors. We are proud to be one of the founding chapters of the International Women’s Forum. IWF ‘is an organization of preeminent women of significant and diverse achievement. Members come together across national and international boundaries to share knowledge and ideas, to enrich each others lives, to provide a network of support and to exert influence in their communities and globally. IWF has 3800 members worldwide from 61 affiliates in 20 countries We are honored that the Rt. Hon. Kim Campbell, former PM of Canada and current President of IWF, has joined us to celebrate our anniversary. Our Legacy Foundation founded in 1994 sets us apart from other solely networking groups. With its recently completed strategic plan, it has the energy and vision to effectively develop future women leaders. Finally, our strength and vigor is in our members’ participation. -
NG: on the Phone Is Tom Lightcap, from Perry Capital, and Let's
TRANSCRIPT Citi 2010 Financial Services Conference March 11, 2010 Host Keith Horowitz, CFA, Citi Investment Research Speaker Vikram Pandit, Citi Chief Executive Officer John Gerspach, Citi Chief Financial Officer PRESENTATION KEITH: I'm very pleased to introduce our next speaker, Vikram Pandit. Vikram took over as CEO of Citigroup in December of 2007 and since then has spearheaded a half a trillion reduction in our balance sheet, reduced the expense run rate by 20%, significantly enhanced our risk management infrastructure, and most importantly, has provided strategic clarity to our business model, including the exit of several businesses, all while maintaining focus on our clients and building on our solid international platform. So, essentially, he's taken a total restructuring of our business in the midst of one of the worst economic environments of our time to better position us for the next cycle. Here to tell you more about the Citi story is CEO Vikram Pandit. VIKRAM: Thank you. Thank you, Keith, and good afternoon. Thanks all for joining me today. I appreciate this opportunity to speak to you about Citi and where we are. Over the last few months, I've had the opportunity now to go to around approximately twenty countries where Citi is located. And when I go around, I get a chance to meet government officials, obviously our clients, and of course our people And what is striking to me is regardless of where I go, how deeply rooted Citi is in these countries. And we've known these markets well for a number of years because we've been in these countries for decades, and some of them for more than 100 years. -
2. the ISSUER Citigroup Is a Global Diversified Financial Services
2. THE ISSUER Citigroup is a global diversified financial services holding company whose businesses provide a broad range of financial services to consumer and corporate clients. Citigroup was incorporated in Delaware in 1988 pursuant to the Delaware General Corporation Law. The Company is a bank holding company within the meaning of the U.S. Bank Holding Company Act of 1956 registered with, and subject to examination by, the Board of Governors of the Federal Reserve System (FRB). Some of the Company’s subsidiaries are subject to supervision and examination by their respective federal and state authorities. At December 31, 2008, the Company had approximately 134,400 full-time and 4,100 part-time employees in the United States and approximately 188,400 full-time employees outside the United States. During 2008, the Company benefited from substantial U.S. government financial involvement, including (i) raising an aggregate of $45 billion through the sale of Citigroup non-voting perpetual, cumulative preferred stock and warrants to purchase common stock to the U.S. Department of the Treasury, (ii) entering into a loss-sharing agreement with various U.S. government entities covering $301 billion of Company assets, and (iii) issuing $5.75 billion of senior unsecured debt guaranteed by the Federal Deposit Insurance Corporation (FDIC) (in addition to $26.0 billion of commercial paper and interbank deposits of Citigroup’s subsidiaries guaranteed by the FDIC outstanding at the end of 2008). In connection with these programs and agreements, Citigroup is required to pay consideration to the U.S. government, including in the form of dividends on the preferred stock and other fees. -
Wanita Paling Berpengaruh Di Dunia
100 Wanita Paling Berpengaruh di Dunia 1 Angela Merkel Chancellor Germany 2 Sheila Bair Chairman, Federal Deposit Insurance Corp. U.S. 3 Indra Nooyi Chief executive, PepsiCo U.S. 4 Cynthia Carroll Chief executive, Anglo American U.K. 5 Ho Ching Chief executive, Temasek Singapore 6 Irene Rosenfeld Chief executive, Kraft Foods U.S. 7 Ellen Kullman Chief executive, DuPont U.S. 8 Angela Braly Chief executive, WellPoint U.S. 9 Anne Lauvergeon Chief executive, Areva France 10 Lynn Elsenhans Chief executive, Sunoco U.S. 11 Cristina Fernandez President Argentina 12 Carol Bartz Chief executive, Yahoo U.S. 13 Sonia Gandhi President, Indian National Congress Party India 14 Ursula Burns Chief executive, Xerox Corp. U.S. 15 Anne Mulcahy Chairman, Xerox Corp. U.S. 16 Safra Catz President, Oracle U.S. 17 Christine Lagarde Minister of Economy, Finance & Employment France 18 Gail Kelly Chief executive, Westpac Australia 19 Marjorie Scardino Chief executive, Pearson Plc. U.K. 20 Chanda Kochhar Chief executive, ICICI Bank India 21 Mary Sammons Chief executive, Rite Aid Corp. U.S. 22 Michelle Bachelet President Chile 23 Paula Reynolds Chief restructuring officer, AIG U.S. 24 Carol Meyrowitz Chief executive, TJX Companies U.S. 25 Andrea Jung Chief executive, Avon U.S. 2 Patricia Woertz Chief executive, Archer Daniels Midland U.S. 6 2 Guler Sabanci Chairman, Sabanci Holding Turkey 7 2 Barbara Desoer President, Bank of America Home Loans & U.S. 8 Insurance 2 Brenda Barnes Chief executive, Sara Lee Corp. U.S. 9 3 Risa Lavizzo- Chief executive, The Robert Wood Johnson U.S. 0 Mourey Foundation 3 Ann Livermore Executive vice president, Hewlett-Packard U.S. -
Writing That Works: How to Communicate Effectively in Business
Writing That Works Third Edition How to communicate effectively in business: e-mail letters memos presentations plans reports proposals resumes speeches Kenmeth Roman and Joel Raphaelson If language is not correct, then what is said is not what is meant; If what is said is not what is meant, Then what ought to be done remains undone. —CONFUCIUS Contents Epigraph Preface: Why a Third Edition? 1. Writing That Works 2. Don’t Mumble—and Other Principles of Effective Writing 3. “I Love My Computer” 4. E-mail—the Great Mailbox in the Sky 5. Memos and Letters That Get Things Done 6. Writing for an Audience: Presentations and Speeches 7. Plans and Reports That Make Things Happen 8. Recommendations and Proposals That Sell Ideas 9. Asking for Money: Sales and Fund-Raising Letters 10. Coping with Political Correctness 11. Writing a Resume—and Getting an Interview 12. Editing Yourself 13. Making It Easy to Read Other Books That Will Help You Write Better Acknowledgments About the Author Praise for Writing That Works, 3rd Edition Previous Books Copyright About the Publisher Preface Why a Third Edition? The first edition of this book was written on a typewriter; we delivered a typed manuscript to the publisher. We wrote the second edition on computers and delivered a printed manuscript. This edition was written on computers and emailed to our editor—no manuscript, not even disks. That illustrates one of the changes in the way people communicate that propelled us to undertake a thorough revision. E-mail has become so ubiquitous that we added a chapter and revised several others to take full account of its influence. -
Frontiers in Finance for Decision Makers in Financial Services March 2008
frontiers in finance for decision makers in financial services March 2008 FINANCIAL SERVICES Retail banking in focus: The future of payments Challenges looming? Retail banking in the U.K. and the U.S. An inside perspective from Terri Dial, Lloyds TSB After the credit crunch Where now? he financial services sector The ways in which consumers Introduction has been much in the news use retail banks are changing rapidly. frontiers in finance recently – and the news The payments industry faces significant March 2008 has not been good. Within challenges – and opportunities – from the space of a few months, the continuing move away from cash we have seen the onset of to a range of electronic alternatives. Ta severe credit crunch, a liquidity crisis Mobile payment technologies are at Northern Rock leading to a run on the making rapid inroads in Asia Pacific. bank and Société Générale revealing it In Europe, SEPA, the Single Euro has lost €4.9 billion ($7.1billion; £3.7 billion) Payments Area, now being introduced, closing out massive unauthorized trades will have profound implications, perhaps placed by a rogue employee. Some not yet fully appreciated. The move to respected commentators are speculating real-time payments presents additional Brendan Nelson Vice Chairman, KPMG in the U.K. about the onset of a global recession. challenges, most notably in relation Global Chairman, Financial Services This edition of frontiers in finance is to the increased potential for fraud. primarily focused on retail banking, but Meanwhile, despite the background touches on all of these themes. While of turbulence and uncertainty, the it is impossible – and foolhardy – to imperative of improving the efficiency predict in detail how the credit crunch and effectiveness of current business will play out, some general implications models remains. -
Town Hall Meeting
Town Hall Meeting November 17, 2008 Going into 2009 Stronger than 2008 Underlying business remains strong, and revenues have been stable Expenses expected to be down 20% from peak levels Headcount expected to be down 20% in the near-term from peak levels Significant reduction in risky assets Very strong capital position Strong competitive position to seize future opportunities 1 Global Universal Bank Is The Right Model Universal Bank Strategy Remains Unchanged Payments Deposit Wholesale Asset Value-added Services Gathering Leverage Investment services 2 Benefits of the Global Universal Bank Model Total Assets Asset Intensive Deposit Sources Total Deposits $2,050B $780B GTS $273 $1,090 Securities & Banking Wealth $124 Management $118 Cards Consumer $287 Consumer Banking, GTS, Deposits $842 GWM, Other 3 Key Differentiator Unparalleled International Business YTD 3Q’08, about 50% of Citi’s adjusted revenues have come from outside the U.S.(1) U.S Historical Industry Citi Non-U.S. (2) % Long-term growth trends Growth Rate (3) Reported Ex-Acq. Deposit growth 4-6% 14% 10%+ Cards growth 3-5% 24% 15%+ Loan growth (ex-Cards) 4-6% 8% 6%+ Net Credit Margin (YTD ’08): Cards 6.5% 15.7% Other consumer loans ~3.75% ~12.0% 2008-2009 Projected GDP growth (4) (1)-1% 4-6% (1) Excluding S&B revenue marks, press release disclosed items and Corporate Other. (2) International growth reflects 2002-2008 period. (3) Based on Federal Reserve data. (4) Based on Citi economist forecasts; non U.S. GDP forecasts are for emerging markets (including China, India, Korea, Poland, Russia, South Africa, Turkey, Brazil & Mexico). -
Will Visitors Lift NY out of the Doldrums?
20091123-NEWS--0001-NAT-CCI-CN_-- 11/20/2009 7:02 PM Page 1 INSIDE Powerful TOP STORIES women, but not Growing condo glut yet equal means even more —Jill Kaplan on the state of auction action ® women execs, PAGE 2 Page 11 Fox may have U.S., but for CNN, the VOL. XXV, NO. 47 WWW.CRAINSNEWYORK.COM NOVEMBER 23-29, 2009 PRICE: $3.00 world is its oyster PAGE 3 Inside Goldman’s CHUCK’S WAGON ROLLS $500M small-fry Sen. Schumer has initiative conquered D.C. But PAGE 3 now he has to deliver The city waits--and on health, biz, more waits--for Wall St.’s jobs train to arrive BY ERIK ENGQUIST PAGE 4 late one August night in 1998, as Want to guess what Charles Schumer was driving back a Rudy vs. Kirsten to his hotel after a dozen campaign events in western New York, he matchup look like? spotted a minor league baseball THE INSIDER, PAGE 8 stadium. The Buffalo Bisons were in extra innings, and the stands were packed. “You could see his eyes light up,” says Jack O’Donnell,an aide accom- panying the Brooklyn congressman, who was running for the U.S. Sen- ate. “He turned to me, and I said, ‘You don’t even have to say it.’ ” They drove up, pulled out a “Meet Congressman Chuck Schumer” sign and began working the crowd.“We spent an hour run- ning back and forth,” Mr. O’Don- nell recalls. “One kid came up to BUSINESS LIVES Chuck and said: ‘I’ve seen you on TV. -
Copyrighted Material
12_77328X bindex.qxd 11/16/05 7:37 PM Page 170 Index See also Accommodations and Restaurants indexes below. GENERAL INDEX Art museums and galleries Bellagio Art Gallery, 98–99 Guggenheim/Hermitage Museum, ccommodations, 17–62. See also A 101–102 Accommodations Index The Wynn Collection of Fine Art, downtown, 58–62 109–110 East of the Strip, 52–57 Arts Factory Complex, 96, 98, 143 Mid-Strip, 31–46 The Atomic Testing Museum, 98 North Strip, 46–52 Avenue Q, 149 price ranges, 17 Avis, 11 reservations services, 18 shopping arcades, 140–143 South Strip, 18–31 Adventuredome, 113 Babysitters, 13 AeroMexico, 5 Bali Hai Golf Club, 115–116 Air Canada, 5 Bally’s Las Vegas Airfares, 6 casino, 129 Airlines, 5–6 Jubilee!, 153–154 Aladdin tennis courts, 118 casino, 129 Banks, 13 shopping, 140 The Bar at Times Square, 160 Alamo, 11 Bars, 160–163 Alaska Airlines, 5 gay, 166–168 Allegiant Air, 5 The Beach, 164 Aloha Air, 5 Bellagio American Airlines Vacations, 4–5 casino, 129 American/American Eagle, 5 Cirque du Soleil’ O, 151–152 American Express emergency Petrossian Bar, 160 number, 15 shopping, 140 American Golf, 115 Bellagio Art Gallery, 98–99 American Superstars, 149–150 “Big 6 and 8” bet, 122 American Trans Air/Comair, 5 Big Shot, 109 America West, 5 Binion’s, 134 Amtrak, 7 Blackjack, 120–121 Angel Park Golf Club, 115 Blue Man Group, 150 Antiques, 145 Body English, 164–165 Antiques at the Market, 145 Bonanza Gift and Souvenir Shop, AntiqueCOPYRIGHTED Square, 145 143–144 MATERIAL “Any Craps” bet, 123 Bonnie Springs Ranch, horseback Appian Way, 141 riding, -
ANNUAL REVIEW 2008 CREATING the UK’S LEADING FINANCIAL SERVICES PROVIDER 1 Lloyds Banking Group Annual Review 2008
ANNUAL REVIEW 2008 CREATING THE UK’S LEADING FINANCIAL SERVICES PROVIDER 1 Lloyds Banking Group Annual Review 2008 GROUP KEY PERFORMANCE INDICATORS – FINANCIAL STATUTORY PROFIT BEFORE TAX £m EARNINGS PER SHARE † pence (80%) 2006 4,248 (39%) 2006 45.3 2007 4,000 2007 48.6 2008 807 2008 29.7 PROFIT BEFORE TAX † £m RETURN ON EQUITY † % (35%) 2006 3,588 2006 24.4 2007 3,756 2007 24.3 2008 2,426 2008 15.8 INCOME AND COST GROWTH 2008 † % TOTAL SHAREHOLDER RETURN % Income 2 2006 24.8 Costs 6 (12.1) 2007 (70.7) 2008 ECONOMIC PROFIT † £m DIVIDEND pence (58%) 2006 1,604 (68%) 2006 34.2 2007 1,725 2007 35.9 2008 731 2008 11.4 GROUP KEY PERFORMANCE INDICATORS – NON-FINANCIAL ENGAGEMENT INDEX †† % NET PROMOTER SCORE††† 2006 74.5 (4.3) 2007 2007 75.3 2008 5.5 2008 78.3 † Excluding volatility, a provision in respect of certain historic US dollar payments, a provision for the Financial Services Compensation Scheme levy, goodwill impairment; and, in 2007, results of discontinued businesses, profit on sale of businesses and the settlement of overdraft claims; and, in 2006, the pension scheme related credit. †† Read more in Our People section (page 14). ††† Read more in Corporate Responsibility section (page 13). PRESENTATION OF INFORMATION In order to provide a more comparable representation of underlying business performance in certain commentaries, insurance and policyholder interests volatility have been separately analysed for the Group’s insurance businesses. In addition, a provision in respect of certain historic US dollar payments, a provision in respect of the Financial Services Compensation Scheme levy and goodwill impairment in 2008; VIEW OUR ANNUAL REPORT ONLINE and the profit on the sale of businesses, the results of discontinued businesses and the A full version of our Annual Report and Accounts and settlement of overdraft claims in 2007 have been separately analysed in the Group’s information relating to Lloyds Banking Group is available results. -
Frommer's Las Vegas 2004
Las Vegas 2004 by Mary Herczog Here’s what the critics say about Frommer’s: “Amazingly easy to use. Very portable, very complete.” —Booklist “Detailed, accurate, and easy-to-read information for all price ranges.” —Glamour Magazine “Hotel information is close to encyclopedic.” —Des Moines Sunday Register “Frommer’s Guides have a way of giving you a real feel for a place.” —Knight Ridder Newspapers About the Author Mary Herczog lives in Los Angeles and works in the film industry. She is the author of Frommer’s New Orleans, California For Dummies, Frommer’s Portable Las Vegas for Non-Gamblers, and Las Vegas For Dummies, and has contributed to Frommer’s Los Angeles. She still isn’t sure when to hit and when to hold in blackjack. Published by: Wiley Publishing, Inc. 111 River St. Hoboken, NJ 07030 Copyright © 2004 Wiley Publishing, Inc., Hoboken, New Jersey. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system or trans- mitted in any form or by any means, electronic, mechanical, photocopying, record- ing, scanning or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, 222 Rosewood Drive, Danvers, MA 01923, (978) 750-8400, fax (978) 646-8700. Requests to the Publisher for permission should be addressed to the Legal Department, Wiley Publishing, Inc., 10475 Crosspoint Blvd. Indianapolis, IN 46256, (317) 572-3447, fax (317) 572-4447, E-Mail: [email protected]. -
Northwestern Poet Plays with Fire Awakening the Nation's Taste Buds
NORTHWESTERN UNIVERSITY WEINBERG COLLEGE OF ARTS AND SCIENCES NORTHWESTERN POET PLAYS WITH FIRE AWAKENING THE NATION’S TASTE BUDS THE FULBRIGHT: GATEWAY TO THE WORLD FALL/WINTER 2006/2007 THE MAGAZINE OF ARTS AND SCIENCES VOLUME 7, NUMBER 2 7 Will Butler: Poet and Rock Star By Nancy Deneen NORTHWESTERN UNIVERSITY Photo by Mary Hanlon FROM THE DEAN WEINBERG COLLEGE OF ARTS 10 Fulbrighters in AND SCIENCES DEPARTMENTS the Field: What They Learned, common sentiment expressed to stu- Many students are deeply concerned with the 1 What they Gave COVER PHOTOS, CROSSCURRENTS IS dents, from freshman welcoming ethical dilemmas posed by the “big issues.” From the Dean FROM TOP: PUBLISHED TWICE addresses all the way to commencement These talented young adults have the intellectual by Nancy Deneen A YEAR FOR ALUMNI, A speeches, is that we—faculty, administrators, flexibility, the openness to new ideas, the won- 2 FROM THE ARCADE FIRE’S ALBUM, PARENTS, AND FUNERAL FRIENDS OF THE alumni, parents (in short, “adults”)—look to derful tendency to question our assumptions, that Letters COVER ART BY TRACY MAURICE JUDD A. AND MARJORIE today’s students (the “next generation”) to make we expect will enable them to find ways to bridge 16 WEINBERG COLLEGE FRANK JONES IN A STORY IN OF ARTS major contributions in resolving the complex the divide on the most challenging issues: stem 3 The Far-Reaching Impact THE ARIZONA REPUBLIC AND SCIENCES, issues we face as a society. cells and cloning, free trade and the protection of of the Center for Faculty Awards PHOTO BY DAVID WALLACE NORTHWESTERN It is not just the adults who hope that the next jobs, immigration, national security, preservation International Economics UNIVERSITY.