Partner and family life as a challenge for women on their way to become a CFA Charterholder
When I look back at my studies, female students were
always in majority compared to their male colleagues. What is the reason why women
are a minority among CFA charterholders and candidates? Are they less willing
to study further, less committed to their careers or what are the biggest obstacles
for women to become a CFA charterholder?
Chart 1. Gender Breakdown – Members, CFA Society
Czech Republic, August 2016
Source: CFA Institute
CFA program is extremely demanding for both, women and
men. However from my experience the biggest challenge for women is connected
with the timing of the exam. Most of candidates usually enroll in the CFA Program
in the second half of their 20s. At this age, it is very difficult for women to sacrifice
their personal and social life, even if they are highly committed to their
careers. From this perspective, the best start would be to take studies
together with your spouse. You could benefit from studying in tandem, support and real
understanding from your partner. What is more, your partner could not get the
feeling you do not have enough time for him as you would spend the time preparing
for the exam together, and also he would
not have much more spare time available. Unfortunately, life does not always go
this way.
Source: CFA Institute
So the second best option for both genders, allowing
enough time for learning, is to be settled in a long-term relationship. You have
the time available, you have to somehow sacrifice your social life mainly
during the last weeks before the exam, but your personal life is not affected radically
and your partner may even welcome the change. You just spend the evenings and
weekends at home studying, you are not outgoing any more, you do not invite your
friends or family members for dinners, and you do not have any demands on him –
so he can freely enjoy his free time watching
football or meeting with his old mates. The only danger here is that he can get
used to this attitude during the three years of your preparation for the exams.
Up to this point, the difference between both genders
were not that significant – both male and female candidates need support and
tolerance of their partner as they devote the precious free time they could
spend with their partner to education. Although women still tend to be generally
more supportive and understanding in regards to the careers of their partners,
including their enhancement through further studies, this has been changing a
lot and nowadays more and more men adopt the same attitude of trust and encouragement.
Chart 3. Gender Breakdown - All Exam Levels, CFA
Society Czech Republic, March 2016
Source: CFA Institute
Unfortunately, it takes at least three years to
successfully complete the CFA program and commonly even longer and this long
period might bring one big challenge to the study plan of women – pregnancy.
Now, when your study plan includes this random variable, you cannot easily plan
anything. You don’t know if you will be
fit enough to study and sit for the exam, you just focus on yourself and the
baby. When the child comes – you find
yourself totally changed – with different priorities and with extremely limited
amount of time available for revisions. You just throw away all the time
management books, because you have just given birth to your new time manager. You
have to be there for your child all the time, when the child gets ill one week
before your exam, you just drop the books and you are there for her/him – you
are the mother.
So why would you continue with your studies now? It’s
easy – because it was your dream and you have already devoted so much time and
effort to it that you would regret if you had to quit. And even though becoming
mother might somehow slow down your career, it is just a very short period of
your working life. But how to manage it? Where you can find time and energy? It
is time to turn to your partner. He is here to help you. He is the father, not
only the breadwinner, so let him find his role. Ask for help, do not try to be
a perfect mother who will cope everything on her own and get the regular time
for studying – time for yourself – and you will get this so very important
feeling of support and understanding from your life partner together with a boosted
self-confidence.
By Lenka Bolečková, CFA
Program Candidate, Level III
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definitely if you're getting a trusted ethical hacker to help you with hack or clone of your spouse phones or even their social media accounts, like messenger, whatsapp instagram, and mails, etc. especially for spouses in distant relationship I will recommend you to this hacker with the email address, superior.hack WITH . he has helped me on several hack jobs since my friend introduced him to me, he's been so spectacular. for obvious reasons, I would not want to go into details on how he's helped me hack my spouses social media accounts and even my friends when they gossip.
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definitely if you're getting a trusted ethical hacker to help you with hack or clone of your spouse phones or even their social media accounts, like messenger, whatsapp instagram, and mails, etc. especially for spouses in distant relationship I will recommend you to this hacker with the email address, superior.hack WITH . he has helped me on several hack jobs since my friend introduced him to me, he's been so spectacular. for obvious reasons, I would not want to go into details on how he's helped me hack my spouses social media accounts and even my friends when they gossip.
ReplyDeletefor relative hack jobs ranging from
accounts hack
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EMAIL ACCOUNTS HACK
WHATSAPP AND OTHER SOCIAL MEDIA HACK
UNLOCK OF PHONES OF DATE / LATE RELATIVES
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Do you know that you can hack any ATM machine !!!
ReplyDeleteWe have specially programmed ATM cards that can be used to hack any ATM machine, this ATM cards can be used to withdraw cash at the ATM or swipe, stores and outlets. We sell this cards to all our customers and interested buyers worldwide, the cards has a daily withdrawal limit of $5000 in ATM and up to $100,000 spending limit in it stores. We also have credit cards for online shopping, we give the credit cards details to our interested clients worldwide including the credit card if you are in need of any other cyber hacking services, we are here for you at any time any day.
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ReplyDeleteGreetings to you by (BFGL).
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ReplyDeleteThank you so much Mr Walker for making my dreams come through . i got my programmed blank atm card from him . At first when i saw i comments about him i just feel i trying to see if thing will turn around for me because i am a single mother with 2 kids . I contacted Mr Walker because that was same name as my late husband i had faith and follows it's step's doe it cost me a little to get the card but its was just not more thank 5 days i got my card shipped down to me here in Canberra, Australia . In not less than two weeks now i have cash out $12,000 dollars at any POS or ATM Machine daily withdraw of $600 . I'm so happy now paid my bills and have enough to eat and take care of my children. Thank You Mr Walker Contact him : walkerhacker002@yahoo.com
I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting { unitedblankatmhackcard@gmail.com ) they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 48hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: unitedblankatmhackcard@gmail.com
ReplyDelete
ReplyDeleteGET YOUR BLANK ATM AND CREDIT CARD AT
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>>Hello EveryOne This The British hacker You Know and As you Know
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ReplyDeleteI figured it all out when my colleague took me to Pavel
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ReplyDeleteWhatsApp +18573255825
Do you need a hacker to hack into your cheating ass account or do you want us to hack into the following account such as.
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10 ATM merchine hack/password from any Email Address.
11 Get any password from any Facebook, Twitter or Instagram account.
12 Cell phone hacking (whatsapp, viber, line, wechat, etc)
13 Grades changes (institutes and universities)
14 Websites hacking, pentesting.
15 IP addresses and people tracking.
I'm Bradley Blake from IRELAND, working as Financial Consultant in UK.. Am in direct contact with an active and capable Provider of Bank Instruments(SBLC/FC BG & LC) we've close successful deals together since working over the years. Our SBLC/BG can be engaged in PPP Trading, Signature Projects, Petroleum, Oil & Gas, Business Funding, Aviation and MORE.. If interested, you can contact me through.
ReplyDeleteinquiry contact
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Prices Western Union Online Transfer
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easy to do African)
- 200$ = 1500$ (MTCN and sender name + country sender)
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- Bank Us : ( HALIFAX,BOA,CHASE,Wells Fargo...)
. Balance 5000$ = 250$
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. Balance 20000$ = 1000$
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. Balance 5000 GBP = 300 GBP
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. Balance 20000 GBP = 1000 GBP
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ReplyDeleteI am sure a lot of us are still not aware of the recent development of the Blank ATM card.. An ATM card that can change your financial status within few days. With this Blank ATM card, you can withdraw between $2,000-$3,000 -$5, 500-$8,800-$12, 000-$20,000-$35,000 -$50,000 daily from any ATM machine in the world. There is no risk of getting caught by any form of security if you followed the instructions properly. The Blank ATM card is also sophisticated due to the fact that the card has its own security making your transaction very safe and untraceable. i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your order..
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bank login
bank transfer
writing cheques
transfer to cc ...
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contact me : hackerw169@gmail.com
ICQ: 699 396 818
- I have account paypal with good balance
- I hope u good customers and will be long-term cooperation
Prices Western Union Online Transfer
-Transfer(Eu,Uk,Asia,Canada,Us,France,Germany,Italy and very
easy to do African)
- 200$ = 1500$ (MTCN and sender name + country sender)
- 350$ = 4000$ (MTCN and sender name + country sender)
- 500$ = 6000$ (MTCN and sender name + country sender)
- 600$ = 8000$ (MTCN and sender name + country sender)
Then i will do transfer's for you, After about 30 mins you'll have
MTCN and sender name + country sender
- Dumps prices
- Tracks 1&2 US = 85$ per 1
- Tracks 1&2 UK = 100$ per 1
- Tracks 1&2 CA / AU = 110$ per 1
- Tracks 1&2 EU = 120$ per 1
Bank Logins Prices US UK CA AU EU
- Bank Us : ( HALIFAX,BOA,CHASE,Wells Fargo...)
. Balance 5000$ = 250$
. Balance 8000$ = 400$
. Balance 12000$ = 600$
. Balance 15000$ = 800$
. Balance 20000$ = 1000$
- Bank UK : ( LLOYDS TSB,BARCLAYS,Standard Chartered,HSBC...)
. Balance 5000 GBP = 300 GBP
. Balance 12000 GBP = 600 GBP
. Balance 16000 GBP = 700 GBP
. Balance 20000 GBP = 1000 GBP
. Balance 30000 GBP = 1200 GBP
contact me : hackerw169@gmail.com
ICQ: 699 396 818
Selling good and fresh cvv fullz
ReplyDeletetrack 1 and 2 with pin
bank login
bank transfer
writing cheques
transfer to cc ...
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contact me : hackerw169@gmail.com
ICQ: 699 396 818
- I have account paypal with good balance
- I hope u good customers and will be long-term cooperation
Prices Western Union Online Transfer
-Transfer(Eu,Uk,Asia,Canada,Us,France,Germany,Italy and very
easy to do African)
- 200$ = 1500$ (MTCN and sender name + country sender)
- 350$ = 4000$ (MTCN and sender name + country sender)
- 500$ = 6000$ (MTCN and sender name + country sender)
- 600$ = 8000$ (MTCN and sender name + country sender)
Then i will do transfer's for you, After about 30 mins you'll have
MTCN and sender name + country sender
- Dumps prices
- Tracks 1&2 US = 85$ per 1
- Tracks 1&2 UK = 100$ per 1
- Tracks 1&2 CA / AU = 110$ per 1
- Tracks 1&2 EU = 120$ per 1
Bank Logins Prices US UK CA AU EU
- Bank Us : ( HALIFAX,BOA,CHASE,Wells Fargo...)
. Balance 5000$ = 250$
. Balance 8000$ = 400$
. Balance 12000$ = 600$
. Balance 15000$ = 800$
. Balance 20000$ = 1000$
- Bank UK : ( LLOYDS TSB,BARCLAYS,Standard Chartered,HSBC...)
. Balance 5000 GBP = 300 GBP
. Balance 12000 GBP = 600 GBP
. Balance 16000 GBP = 700 GBP
. Balance 20000 GBP = 1000 GBP
. Balance 30000 GBP = 1200 GBP
contact me : hackerw169@gmail.com
ICQ: 699 396 818
Hello all
ReplyDeleteam looking few years that some guys comes into the market
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Available Services
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discount for re-seller
Contact: 24/7
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We have specially programmed ATM cards that can be use to hack ATM
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stores and POS. We sell this cards to all our customers and interested
buyers worldwide, the card has a daily withdrawal limit of $5,000 on ATM
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ReplyDeleteWe are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
Description OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC)
2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me.
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Skype: kelvinbrigth84@gmail.com
Email: kelvinbrigth84@gmail.com
Phone/Whatsapp: +447546769978
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Nabízejí všechny druhy kategorií půjček, které
Krátkodobá půjčka (5 let)
Dlouhodobá půjčka (20_40)
Mediální termínovaná půjčka (10_20)
Nabízejí půjčku jako
Úvěr na bydlení ............., Obchodní úvěr ........ Dluhový úvěr .......
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E-mail .......... (davidwilsonloancompany4@gmail.com)
Pokud jde o finanční krizi a půjčku, pak David Wilson půjčka finanční je místo, kam jít, prosím, řekněte mu, že paní Linda McDonaldová vás řídí, hodně štěstí ................... ....
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