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About Heather Katsonga-Woodward
She graduated with First Class Honours in Economics from the University of Cambridge. In the past she has written columns as an international correspondent for both Malawi News (on Personal Finance) and the Daily Graphic in Ghana (on Hair).
She is also the author of several books on banking, personal finance, business and African hair.
She lives in England with her husband and their two children.
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Blog postTo round up 2020, I thought some might like to learn a little more about me as an individual. And, because I prefer not to talk about myself I thought I'd share an interview that I had with Alex Sapala who invited me onto his show, the Business, Wealth And Mindset Podcast. Alex is one of the most successful and ambitious Malawians living in Britain today, he's made a massive success of himself in the work place and also with property investing but you would never know because he keeps hims4 months ago Read more
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Blog postBuilding on the last post on 7 things that hold black children back from succeeding. This is the current Economic status of black people in the UK relative to other groups:The Money Spot™ - UK Personal Finance · #36 The wealth of black people in Britain and factors hindering financial successASSETS
On home ownership
According to .gov.uk:63% of households in England owned their own homes in the 2 years from 2016 to 2018;68% of White British households4 months ago Read more -
Blog postI thought it would be fitting to end the 2020 series of The Money Spot podcast with a series on the Economics of being black. The issue I would like to explore first is a list of things that could hold a child back before they are even 18.
Where possible, I will depend on UK studies and statistics but if that’s not possible reference will be made to US studies where much more research on race tends to be available.The Money Spot™ - UK Personal Finance · #35 7 things tha5 months ago Read more -
Blog postHey heather, thanks for your podcast, I find it incredibly useful because it's UK specific and everything else I find seems to be geared towards the US.
Anyhow, my name's Dee, I'm in my 50s and have been a military stay-at-home mum all my adult life although I went to university. Being a military wife has exposed me to so many countries and cultures which I love but you do sometimes encounter traumatic things so it's nice to settle in the UK.
My family currently rents a5 months ago Read more -
Blog postDear Miss Katsonga,
What is your opinion on Critical illness cover? What are the alternatives (for lump sum payout to cover mortgage or other debts) in case one partner is unable to work?
Thanks!
RonjoyThe Money Spot™ - UK Personal Finance · #33 5 ways to remain financially afloat during unemploymentVery formal, Ronjoy…you can call me Heather.
So, you want to know how you can cover yourselves if one person is unable to work.
5 months ago Read more -
Blog postFifi asks about how best to manage her money when her income from month to month fluctuates a lot with some months bringing in just enough for her to get by. She also wonders how best to manage her credit score and to boost her monthly income.
I give a broad answer covering:cutting back on expenses;increasing revenue;thinking about the legacy you want to leave; and creating an exit strategyHeather
p.s. subscribe to my podcast and ask me any money question,&nbs6 months ago Read more -
Blog postHey Heather, my name's Jennifer, I want to start a side hustle but I don't know where to start or how to organise myself. No one that I know has a side hustle; they just do the 9 to 5 then chill...are side hustles just not a British thing? Please help me with some tips, I need some direction...thank you!The Money Spot™ - UK Personal Finance · Starting a side hustle in the UK - things to think about with Sylwia Kotarba-HarrisI stumbled upon Sylwia when I read her post on The growing t6 months ago Read more
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Blog postHi Heather
My name’s Grace. I’m looking into saving money for my little one so that it can be invested in the same way as government-backed child trust funds. My older one has a child trust fund but I don’t know how to go about opening something similar for my younger child. As I understand it, banks don't offer government-backed child trust funds anymore.
The Money Spot™ - UK Personal Finance · #31 What’s the alternative to a UK Child Trust Fund? …A Junior ISAClick ima6 months ago Read more -
Blog postHi Heather
I’m really enjoying your podcasts and have already given a 5 star rating.
I am 57 and plan to retire at 60 so love your retirement items.
When talking about 4% draw down for retirement income, it’s never clear if the figures are before or after tax. For example 4% of £1m is £40k, but after tax this could be nearer £30k.
If you then get a state pension of say £9k, the figure before tax is £49k, but after7 months ago Read more -
Blog postHi Heather, my name's Kimberley. My husband and I have worked hard to build a financial safety net for our family.
We both come from modest backgrounds and weren’t taught much about money so we’ve had to figure everything out on our own and made quite a few mistakes along the way. Do you have any tips we can use to teach our children about managing money so that they make far fewer mistakes than we did?
Thank you!
The Money Spot™ - UK Personal Fi7 months ago Read more -
Blog postRating: 5*/5
One of the best self-improvement books that I have read in a very long time. I wanted to save almost every sentence because it was all so valuable but as that isn’t possible here are a few things I took note of as I listened to the audiobook:
You don’t rise to the level of your goals. You fall to the level of your systems. That is, in addition to setting goals you need to set out a systematic way for achieving those long-term goals. Lofty goals2 years ago Read more -
Blog postI can't believe it's been almost two years since my last book review! That is a long time but it coincides with the period during which I have been working through 13 exams to become a chartered account so I'll forgive myself.
I read tonnes of books in the period, I just didn't have the time to review them. I will not attempt to do back reviews, I'll just pick up with my latest reads.
So, becoming. Like a lot of people I am a big fa2 years ago Read more -
Blog post(function(jQuery) {function init() { wSlideshow.render({elementID:"667254659586825831",nav:"thumbnails",navLocation:"bottom",captionLocation:"bottom",transition:"fade",autoplay:"0",speed:"5",aspectRatio:"auto",showControls:"true",randomStart:"false",images:[{"url":"7/7/0/8/7708949/img-3544.jpg","width":"400","height":"400"},{"url&quo4 years ago Read more
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Blog postRating: 5/5
I started reading autobiographical and other non-fictional accounts of slavery in the summer of 2016. I don't know what sparked my interest, however, a friend suggested that sometimes reading fiction can provide better insights into an era and she was completely right.
Someone Knows My Name, published under the name, The Book Of Negroes was enjoyable, informative, heart-breaking and ultimately a worthwhile read. I strongly recommend it.
Availabl4 years ago Read more -
Blog postRating: 4/5
An interesting read. Besides a few jokes that were ill-placed or simply not funny, there is a good deal of intelligence in this book about how relationships work in the world of modern technology.
All I can say is that I'm glad I'm not involved in this new world of dating, it's so complicated:
People play text messages games with each other like never before.
It appears all this choice is driving people crazy: we keep looking4 years ago Read more -
Blog post5/5
I expected to enjoy Grit by Angela Duckworth and I did, what I didn’t expect, however, is to find cause to dispute any of the book’s proposals…
I’ve known the concept of Grit for ages as my sister is a PhD student in clinical child psychology and as a hobby I read lots of psychology books and many have referred to the concept of Grit.
Now, most people would say that I am a stereotypically gritty person and generally, I would agree, how4 years ago Read more -
Blog postI don't like some of my Facebook comments to get buried and lost, especially if I believe I've given a half-decent reponse. My friend asked the following:
The Question: how does one bring up a child/nephew/niece/student in 2017 with the right mental framework and education so that they are resilient to trauma of finding out that later in life that just like Santa, God is also a fictitious idea that was injected into their innocent brains as a way to control their behaviour?
<4 years ago Read more -
Blog post3.5/5
I love Cookie in Empire but I personally didn’t really enjoy Taraji’s Around The Way Girl.
I usually rate books 4 or 5 if they are a must-read and were a thoroughly enjoyable experience for me; 3.5 means I really like the author but I would have lost nothing if I didn't read the book. In fact, if I was reading the physical book rather than listening to the audiobook I doubt I would have ever reached the end.
Despite good use of langu4 years ago Read more -
Blog post5/5
What an enjoyable book. Perhaps I enjoyed the book more because I am African and I’m raising a mix-raced / mixed-culture child but I thought this book was genuinely well written and well told
I really felt the richness of Trevor Noah’s story. I learnt a fair amount about Apartheid South Africa as well as about the man himself.
Trevor Noah said tonnes of very smart things like: we spend too much time being afraid of failure and afraid o4 years ago Read more -
Blog postBefore you vote on the baby names you like, remember the boxed set of four Queen of Kinks natural hair products is now only $10 / £10 for another 2 days.
It's been massively reduced to clear stock, making a full-sized tube just 2.50, 2.50!!! That's 10% of the real price. Get a few boxes to stock up before we're all out! ALL STOCK MUST GO (links below).
Already bought some? Please buy more.
In the last EIGHT days only we've sold THREE TIMES the volume4 years ago Read more -
Blog postI grew up in a country where everything is everyone’s business!
All my adult life I’ve lived in a country where people generally mind their own business sometimes to the extreme.
Now, I’m writing about this experience because it hasn’t left me since it occurred three days ago:
The Good Husband and I were sat in a restaurant having a date night when I noticed a woman sitting behind me with her son in the pram.
“That kid’s4 years ago Read more -
Blog postRating: 6/5
In 32 years of being on this planet, this is by far the most fascinating book I have ever read and I read a lot.
This book is a historical treasure and modern guide to business. I learnt things about race relations in the US, immediately following the abolition of slavery and it wasn't what I expected; I gained useful knowledge on how to think about education, civics, ethics, fund raising and public speaking. How so much was squeezed into one book is a5 years ago Read more -
Blog postRating: 5/5
Ask most people what they know of early African history and they will probably talk about slavery first. This book takes you away from that narrative. It reminds us of the rich cultural and academic heritage that Africans had for thousands and thousands of years before slavery was even an idea.
The first half is all about classical African history the second half is a Q&A on various questions surrounding black history from African histor5 years ago Read more -
Blog postRating: 4/5
This book is a cross between fiction and reality. A couple vacation in the Serengeti away from their busy humdrum lives in America. The animals they encounter in the Serengeti teach them things about life and business that they had forgotten. They learn that:The 1.5 million wildebeest rely on stubborn endurance and support from the herd to survive;The crocodile is opportunistic;The cheetah ruthlessly effective;The giraffe embodies grace,The lion is a master strateg5 years ago Read more -
Blog postIt’s too impersonal.
It shows a lack of care.
We Africans take care of our relatives when they're old as gratitude for them taking care of us in our youth.
Oh, how I used to be naïve. I used to tell my English friends that we don’t need old age homes in Malawi because we take care of our old people within the family. This is certainly not universal; hundreds of old people in Malawi are completely destitute with no one to support them5 years ago Read more -
Blog post(function(jQuery) {function init() { wSlideshow.render({elementID:"680749103828745292",nav:"thumbnails",navLocation:"right",captionLocation:"bottom",transition:"fade",autoplay:"0",speed:"5",aspectRatio:"auto",showControls:"true",randomStart:"false",images:[{"url":"7\/7\/0\/8\/7708949\/8528006.jpg","width":"400","height":"533"},{"url&5 years ago Read more
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Blog postMichael Serwa, originally from Eastern Europe, is a life coach. He isn't an ordinary run-of-the-mill life coach, however, he's at the top of the coaching game.
He really knows how to get to the soul of a problem. He's gained massive popularity since the launch of his book From Good to Amazing and is so in demand that people now pay up to 5-figures to get onto his calendar. I was honoured to be interviewed by him.
If you have any questions at all ab6 years ago Read more -
Blog postThis blog post is dedicated to my NCT friend, Kat.
Antenatal classes never explained why skin-to-skin contact between mother and baby was important. They said it needs to happen as soon as birth happens but didn’t go into the details of why - frankly, I’m sure most midwives couldn’t give you a proper explanation if you asked outside of the surface level: It helps with bonding, regulating body temperature, preventing postpartum depression etc. But why? Why does it have this impact?&n6 years ago Read more -
Blog postOn 25 October 2014, at about 30 weeks pregnant, Harry's sister hosted a baby shower for our first son Little Zeusy. It was beautiful. It completely surpassed any expectations that Harry and I had for the event. This is the footage of the event:6 years ago Read more
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Blog postI'm somewhere in this picture, can you spot Heather? On 17 October 2014 I was proud to be one of a large group of people that broke The Guinness Book of World Records forThe Most Number of People Attending A Business Speed Networking Event At A Single Venue.
Prior to this day the record was held by Australia and stood at 475 participants where each participant networked with 21 people.
How Did It Work?
The event was hosted by Entrevo. They6 years ago Read more
This is the most straight-forward Chichewa learning book written by a native bilingual speaker. Like many Malawians that grow up in Blantyre or Lilongwe, Heather grew up speaking English and Chichewa simultaneously.
She wanted to teach her English husband some Chichewa but couldn't find a book that broke the language down into simple lessons. They were all a little dull and far too complex. Learning should be fun!
So Heather took matters into her own hands: she created her own series of lessons for her husband. They shared them on YouTube and, based on the response, they decided to organise them into a nifty little book – enter, Chichewa 101. So you can hear how the words are actually said, get the audio book too.
Spare just 30 minutes per day and you’ll complete the series and master the basics in just over three months.
Please visit Chichewa101.com.
Hot oils are probably the most underrated hair treatment. Hot oil can help to condition, soften and revive dull and dry hair instantly. In DIY Hot Oil Treatments Course, Heather introduces you to a range of different hot oil treatments designed to tackle specific hair issues.
Through this book, the first in the DIY Hair Products Series, you will understand how to select the best oils for your hair type (thin or thick, damaged or healthy); and for specific treatments: scalp massage, pre-shampoo hot oil treatments and sealing in hair moisture. To design custom oil treatments you will also want to get DIY Hair Butters Course, the next book in the series to learn more about vegetable butters.
How Does The DIY Hair Product Series Work?
Knowledge on formulating is built up from one book to the next.
Book 1, DIY Hot Oil Treatments Course, discusses carrier oils in great depth as well as how to mix carrier oils and essential oils to create powerful, custom hot oil treatments.
Book 2, DIY Hair Butters Course, discusses vegetable butters in detail as well as how to mix vegetable butters, carrier oils and essential oils to create rich, custom whipped butters for body and hair.
Book 3, DIY Shampoos Course, covers the chemistry of water and surfactants as well as how to make a quality shampoo.
Book 4, DIY Conditioners Course, covers three categories of ingredients in depth: cationic polymers and compounds, fatty alcohols and essential oils and how to make custom conditioners for your hair type and specific hair issues.
Book 5, DIY Moisturizers Course, covers most of the other ingredients that go into hair care formulations; namely: emollients, film formers, humectants, preservatives, proteins and silicones.
Book 6, DIY Detanglers Course, covers specific hydrosols. In addition the appendixes help one to build a hair care routine and improve the formulator’s understanding of hair by explaining its structure, the different types of hair as well as the many hair issues.
In the fourth book in the DIY Hair Products Series, Heather shows you how to make your own conditioner by introducing you to the most common ingredients that make a conditioner. The book also takes you through the hair benefits of different essential oils so that you can make more natural conditioners, if you wish.
After whipped butters, conditioners are probably the second most exciting product to make. The most fascinating moment in the process happens when you have heated up two sets of ingredients, oil-based ones and water-based ones, and you bring them together. In that instant, they go from two clear solutions to a yummy yogurt-like cream. It feels like magic.
How Does The DIY Hair Product Series Work?
Knowledge on formulating is built up from one book to the next.
Book 1, DIY Hot Oil Treatments Course, discusses carrier oils in great depth as well as how to mix carrier oils and essential oils to create powerful, custom hot oil treatments.
Book 2, DIY Hair Butters Course, discusses vegetable butters in detail as well as how to mix vegetable butters, carrier oils and essential oils to create rich, custom whipped butters for body and hair.
Book 3, DIY Shampoos Course, covers the chemistry of water and surfactants as well as how to make a quality shampoo.
Book 4, DIY Conditioners Course, covers three categories of ingredients in depth: cationic polymers and compounds, fatty alcohols and essential oils and how to make custom conditioners for your hair type and specific hair issues.
Book 5, DIY Moisturizers Course, covers most of the other ingredients that go into hair care formulations; namely: emollients, film formers, humectants, preservatives, proteins and silicones.
Book 6, DIY Detanglers Course, covers specific hydrosols. In addition the appendixes help one to build a hair care routine and improve the formulator’s understanding of hair by explaining its structure, the different types of hair as well as the many hair issues.
For those with tangle-prone hair, this sixth book in the DIY Hair Products Series is probably the most important. Every detangler recipe in the book is very different, but one is sure to be a perfect match for you. Heather’s personal favorite is the “Love Me” detangler for weak and brittle hair.
As a lover of all things natural, Heather goes into depth about the benefit of different hydrosols.
Having built up your knowledge on how to make key hair products, Heather also explains the structure of hair itself so you have a better understanding of “the thing” you’re making products for.
How Does The DIY Hair Product Series Work?
Knowledge on formulating is built up from one book to the next.
Book 1, DIY Hot Oil Treatments Course, discusses carrier oils in great depth as well as how to mix carrier oils and essential oils to create powerful, custom hot oil treatments.
Book 2, DIY Hair Butters Course, discusses vegetable butters in detail as well as how to mix vegetable butters, carrier oils and essential oils to create rich, custom whipped butters for body and hair.
Book 3, DIY Shampoos Course, covers the chemistry of water and surfactants as well as how to make a quality shampoo.
Book 4, DIY Conditioners Course, covers three categories of ingredients in depth: cationic polymers and compounds, fatty alcohols and essential oils and how to make custom conditioners for your hair type and specific hair issues.
Book 5, DIY Moisturizers Course, covers most of the other ingredients that go into hair care formulations; namely: emollients, film formers, humectants, preservatives, proteins and silicones.
Book 6, DIY Detanglers Course, covers specific hydrosols. In addition the appendixes help one to build a hair care routine and improve the formulator’s understanding of hair by explaining its structure, the different types of hair as well as the many hair issues.
If you have already been through the first four books in the DIY Hair Products Series, you are probably feeling very confident about formulating products. The fifth book brings all your experience together by elaborating on the different types of ingredients that go into hair products.
In addition, Heather explains how rinse-off conditioners are different from leave-in conditioners (a.k.a. moisturizers). They are both made in the same way; the only difference comes in the concentration of ingredients. Now you have all the resources you need to make a leave-in conditioner that perfectly matches your hair type and problems. Enjoy.
How Does The DIY Hair Product Series Work?
Knowledge on formulating is built up from one book to the next.
Book 1, DIY Hot Oil Treatments Course, discusses carrier oils in great depth as well as how to mix carrier oils and essential oils to create powerful, custom hot oil treatments.
Book 2, DIY Hair Butters Course, discusses vegetable butters in detail as well as how to mix vegetable butters, carrier oils and essential oils to create rich, custom whipped butters for body and hair.
Book 3, DIY Shampoos Course, covers the chemistry of water and surfactants as well as how to make a quality shampoo.
Book 4, DIY Conditioners Course, covers three categories of ingredients in depth: cationic polymers and compounds, fatty alcohols and essential oils and how to make custom conditioners for your hair type and specific hair issues.
Book 5, DIY Moisturizers Course, covers most of the other ingredients that go into hair care formulations; namely: emollients, film formers, humectants, preservatives, proteins and silicones.
Book 6, DIY Detanglers Course, covers specific hydrosols. In addition the appendixes help one to build a hair care routine and improve the formulator’s understanding of hair by explaining its structure, the different types of hair as well as the many hair issues.
Making a shampoo is a lot easier than you would think. If you think commercial, store-bought shampoos are too strong or too generic for your hair type, then with the help of this book, you will never have to buy another bottle again.
In the third book in the DIY Hair Products Series, Heather shows you how to make your own shampoo by introducing you to the most common ingredients that go into a shampoo. If you have dry hair, you no longer have to pay a premium for sulfate-free shampoos because Heather shows you how to make them yourself!
How Does The DIY Hair Product Series Work?
Knowledge on formulating is built up from one book to the next.
Book 1, DIY Hot Oil Treatments Course, discusses carrier oils in great depth as well as how to mix carrier oils and essential oils to create powerful, custom hot oil treatments.
Book 2, DIY Hair Butters Course, discusses vegetable butters in detail as well as how to mix vegetable butters, carrier oils and essential oils to create rich, custom whipped butters for body and hair.
Book 3, DIY Shampoos Course, covers the chemistry of water and surfactants as well as how to make a quality shampoo.
Book 4, DIY Conditioners Course, covers three categories of ingredients in depth: cationic polymers and compounds, fatty alcohols and essential oils and how to make custom conditioners for your hair type and specific hair issues.
Book 5, DIY Moisturizers Course, covers most of the other ingredients that go into hair care formulations; namely: emollients, film formers, humectants, preservatives, proteins and silicones.
Book 6, DIY Detanglers Course, covers specific hydrosols. In addition the appendixes help one to build a hair care routine and improve the formulator’s understanding of hair by explaining its structure, the different types of hair as well as the many hair issues.
Low income is not the reason many people fail to save. The reason is quite simply that they're not following the rules of money. Yes, to attract more money into one's life certain rules need to be followed. These rules are simple and easy to follow but you have to know what they are in order to follow them. This book will let you in on the secrets.
Former investment banker Heather Katsonga-Woodward is an author and entrepreneur. She graduated from the University of Cambridge in 2005. She lives in London with her husband and their hive of happy bees.
This quick reference dictionary is straight-forward and written by a native bilingual speaker. Like many Malawians that grow up in Blantyre or Lilongwe, Heather grew up speaking English and Chichewa simultaneously.
She wanted to teach her English husband some Chichewa but couldn't find a book that broke the language down into simple lessons. They were all a little dull and far too complex. Learning should be fun!
So Heather took matters into her own hands: she created her own series of lessons for her husband. They shared them on YouTube and, based on the response, they decided to organise them into a nifty little book – enter, Chichewa 101. So you can hear how the words are actually said, get the Chichewa 101 Dictionary in audio book format too.
The Chichewa 101 Dictionary comes included with the book Chichewa 101 – Learn Chichewa in 101 Bite-sized Lessons.
www.Chichewa101.com.
These are exciting times to be living in: as a solopreneur you can easily pull in a six or seven figure income and still have plenty of free time. This book provides practical advice for setting up an automated business in today’s environment. It is highly relevant for both digital and physical products.
ABOUT THE AUTHOR
Former investment banker Heather Katsonga-Woodward is an author and entrepreneur. She graduated from the University of Cambridge in 2005.
She set up her first business when she was 18 during a gap year between high school and university.
With lessons learnt from her former businesses she grew her current main business, Neno Natural, from zero to an email list of 3,000 and 20,000 “real” Facebook fans in less than four months.
She lives in London with her husband and their hive of happy bees.
Is dry hair a problem for you? Then this book has been written just for you. Whether you have straight, wavy or curly hair by the time you’re done reading this book you will:
- Know how to build a daily & weekly hair routine that keeps your hair soft
- Learn how to detangle dry hair without incurring massive amounts of breakage
- Understand how to encourage dry hair to grow rather than just break from brittleness
This must-have guide for dry-haired girls is brief and gets straight to the point so you can get through it in one sitting.
Review received via email:"I absolutely love this book; its very simple, detailed and so full of life. This is the first time I have been able to sit down and enjoy reading a book about hair and it was well worth my time. It only took one reading. I only started really taking care of my hair after stumbling across some articles by Heather and immediately subscribed to receive her emails. I now religiously follow her blogs. They are fun and engaging and so so simple to follow through especially reading hair fairytales from queens around the globe. I have been able to reconnect better with my hair through this book and more importantly, take care of it accordingly. I've even shared hair tips with my friends and they've exclaimed to me "it works"....all thanks to Heather. Thankyou so very much for bringing the hair bible to life and I look forward to more hair literature from you." Rosa D
ABOUT THE AUTHOR
Heather Katsonga-Woodward started the kinky & curly hair blog, NenoNatural.com in late 2012 following severe hair thinning issues. Neno is the tiny village in Malawi (Africa) where her dad was born. In under 2 years the blog rapidly grew to over 400,000 Facebook fans and over 40,000 email subscribers.
The site now hosts the largest online collection of curly hair profiles under the trademark Queen of Kinks, Curls & Coils®. The Queen of Kinks brand was expanded to include an annual iOS & Android magazine in 2014 and a full suite if products for dry hair in 2015. Heather graduated with first-class honours in Economics from the University of Cambridge.
Making whipped butters is fun. It’s an inexpensive activity that you can do with friends and family. The best thing about whipped butters is that you can use them on both your hair and your body.
In the second book in the DIY Hair Products Series, Heather shows you how you can blend solid vegetable butters and oils to make your own custom formulations. In addition to providing you with several whipped butter recipes, Heather builds on your oil knowledge from Book 1 by introducing you to some of the best butters for hair and body so you can easily design yummy personalized whipped butter.
How Does The DIY Hair Product Series Work?
Knowledge on formulating is built up from one book to the next.
Book 1, DIY Hot Oil Treatments Course, discusses carrier oils in great depth as well as how to mix carrier oils and essential oils to create powerful, custom hot oil treatments.
Book 2, DIY Hair Butters Course, discusses vegetable butters in detail as well as how to mix vegetable butters, carrier oils and essential oils to create rich, custom whipped butters for body and hair.
Book 3, DIY Shampoos Course, covers the chemistry of water and surfactants as well as how to make a quality shampoo.
Book 4, DIY Conditioners Course, covers three categories of ingredients in depth: cationic polymers and compounds, fatty alcohols and essential oils and how to make custom conditioners for your hair type and specific hair issues.
Book 5, DIY Moisturizers Course, covers most of the other ingredients that go into hair care formulations; namely: emollients, film formers, humectants, preservatives, proteins and silicones.
Book 6, DIY Detanglers Course, covers specific hydrosols. In addition the appendixes help one to build a hair care routine and improve the formulator’s understanding of hair by explaining its structure, the different types of hair as well as the many hair issues.
With the top investment banks now combing the world over to find the very best person for the job, you need to stay a step ahead. To help you succeed, To Become an Investment Banker gives you all the information you need to have at your fingertips as well as extra advice to ensure you stand out from the crowd.
Much of the information is presented in a bullet point format ensuring clarity and absolute ease of access. In addition, the laid-back, chatty tone of this semi-autobiographical book makes it an enjoyable read as well as an essential guide.
Heather Katsonga-Woodward started her investment banking journey in 2004 with an internship at Goldman Sachs. Since then, she has picked up a mass of useful tips that helped her survive, even during the whirlwinds of the 2007-2009 credit crunch. With input from four other investment bankers, To Become an Investment Banker encompasses 25 years of collective banking expertise.
This book is the perfect starting point if your sights are set on working in any major financial center.
Review:
Packed with essential information, practical advice and insider tips, and written in an engaging, conversational style, this book tells you everything you need to know about becoming an investment banker – and more. Debi Alper, Author
NOTE: all images in this book can also be found at girlbanker.com/ebook.
TABLE OF CONTENTS
Introduction
CHAPTER 1: FIGURING OUT WHAT’S WHAT
Commercial / Retail Banking
What Is Investment Banking & What Do Investment Bankers Do?
A Typical Day in the Life of An Investment Banking Analyst
Asset Management
CHAPTER 2: GETTING INTO AN INVESTMENT BANK
Networking
Deciding Where, When and How to Apply
What Degree Will Get You In?
The Application Process
Alternatives to the Standard Hiring Process
Application Enhancers
CHAPTER 3: INTERVIEW BASICS
Interview Behavior
Interview Dress Code
Rules on Answering Interview Questions
CHAPTER 4: COMPETENCY-BASED QUESTIONS
CHAPTER 5: BASIC ECONOMICS
Fiscal Policy
Monetary Policy
CHAPTER 6: BASIC TECHNICAL QUESTIONS
Credit Risk
Brainteasers
CHAPTER 7: TECHNICAL QUESTIONS FOR CORPORATE FINANCE AND EQUITY CAPITALS MARKETS (ECM)
Financial Reporting
Valuation
Cash Equities
Equity Derivatives
CHAPTER 8: TECHNICAL QUESTIONS FOR DEBT CAPITAL MARKETS (DCM) OR FIXED INCOME CURRENCY AND COMMODITIES (FICC)
Bonds and Loans
Foreign Exchange (FX)
Rates
Credit
Commodities
CHAPTER 9: ON THE JOB
Tips That Will Help You to Hit The Ground Running
Personal Habits to Watch Out For
Email Etiquette
Dealing with Tiredness
CHAPTER 10: GIRL BANKER®’S INSIGHTS
On Handling Money
On Being from an Ethnic Minority
On Being a Girl
On Lawsuits
On Resigning
Resources (including Recommended Books)
Headhunters
Appendix 1: Currency Codes
Appendix 2: Banking Lingo and Acronyms
Index
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