iEphraim

There is one very important question often asked in interviews: "Why should we hire you". As simple as this question may seem, some people may find it challenging to answer. I believe that there is a strategy that can be adopted to best answer this question. By understanding how to answer questions structurally, any question, including interview questions, will be easier to answer. I will share three keys in this article. To begin with, explain your educational background and previous experiences. Do not simply state, "I graduated with a Bachelor of Science in Biology." Instead, say, "I graduated with honours in Biology from the prestigious University of Watersrand and was one of the top ten graduating students in my class." Use the same approach for your work experience. Secondly, describe a skill or two you have acquired from your previous experience. For example, "I have mainly worked in teams with people from different backgrounds in my previous e...

Several individuals do not invest due to their risk aversion. People who are risk averse tend to prefer results with low uncertainty over results with high uncertainty, even if the average returns on investment of the latter is higher in monetary value than the more certain outcome. However, I am of the opinion that everyone can invest, even those who may consider themselves somewhat risk averse. In investing, risks can be categorised into three broad categories, low risk, medium risk, and high risk, and of course, the higher the risk, the higher the return.  Being a risk averse individual is no disadvantage. Even if one invests only in low risk securities and is consistent, regardless of whether one is risk tolerant or risk averse, they will soon see the benefits of investing. The key to this type of investor is consistency and over time the little drops add up. There are several low-risk investments that return an average of 9% per year over a long period of time.  My l...

Introduction In the UK, the minimum pension contribution is 8% evenly split between the employer and employee. Some employers give you the option to increase your pension, in my case up to 8%. Some people, however, do not understand why it's important to take advantage of this opportunity provided by their employer, as they believe that paying fewer pension contributions will result in higher net cash flow.  The return on pension is even greater since, for example, if you max out your contributions at 8%, your employer will match that amount as well. Therefore, your pension is guaranteed to increase by 4%. A Practical example. A 4% pension contribution on a salary of £50k is £2k per year (your contribution alone), and with the employer's total contribution is £4k. You get a total of £8k if you contribute at the max of 8%.  The net cash implication of not contributing to this additional pension is around £1k. If you contribute instead of receiving cash now, you will receive...

This information will equip you with essential information that will help you transit and settle-down seamlessly into the UK system. They are in no way exhaustive so it also good for you to conduct your  research in areas that are important to you.  This article is a response to specific questions asked by somebody who has gotten a job in the professional services space. Therefore, you will find that I've used a lot of terminologies in the professional services sphere that you can replace with terms that are common in your field. Question addressed here include.  1. Readiness for excellent working skills and workplace etiquette in the UK  2. Cost saving technique especially with family of 4  3. Process of Owing properties without ILR/PR - e g. House & it's benefits  4. Ways to fast track ILR/PR in the UK rather than waiting for the 5years period  5. List of other side hustle/business that someone can get involved to increase source of...