Paul Kosinski

Hedging is a way for investors to protect themselves from significant loss as it can offset or minimize the chance that the assets will lose value. All investors should be familiar with the practice because portfolio protection is often just as valuable as portfolio growth and appreciation.
Hedging Strategies
Individual investors, corporations, and portfolio managers use hedging strategies to reduce their exposure to risks. To hedge against risk, investors make offsetting trades in securities...

Emotional intelligence has been a major buzzword in business. As much as people prefer to divide work from personal life, it can be hard to have emotional boundaries at a workplace where employees spend at least 40 hours of their time a week.
Emotional intelligence is the foundation of effective business meetings, employee happiness, and a positive environment for efficient work and success.
What is Emotional Intelligence?
Emotional intelligence is a positive psychology concept that emerged t...

Most employees take a passive role in their careers. They put their heads down, work hard, and hope that their accomplishments will lead to success. Sometimes they get lucky, and management takes notice of their work. Promotions, raises, and expanded responsibilities land in their lap. Other times they get unlucky and are stuck with poor management, lousy company performance, and a perpetual feeling of “being stuck.”
In both cases, something other than an employee’s actions, luck, is in charg...

Being an inclusive leader not only means promoting diversity, but also having the capability to innovate and deal with the many uncertainties they may face. While these leaders may all have very different approaches on how to lead, they all share the same characteristics making them more inclusive. These characteristics help to form a framework which leads to building a more diverse workplace and inclusive of all no matter race, religion, or sexual orientation. The following are just a few of...

Introduction: Quick Definition
The most common example of underwriting is when a bank or financial organization offers an individual a loan. This loan can be for a car, a home, or to pay down debt. However, underwriting can also be applied to insurance or investments.
Simply put, underwriting is the process in which a lender takes on an individual’s financial risk. So, if an individual seeks to receive a mortgage loan, the individual must meet with a banker and fill out their application. The...

Before putting your money to work, it’s essential to ask these four fundamental questions to make sure your investment is safe and in the best strategic position to accrue value over time.
What is Your Investment Objective?
Too often, people ignore this seemingly bland question or answer as vaguely as – to make money. However, what you are trying to accomplish will determine how often you trade, how much per trade you should expect to lose or gain, what your timeline is for every position tak...

Investment banking can be an intimidating field to think about. It’s been compared to organizations like the mafia by some writers. Investment bankers prefer to keep knowledge of what they do and how they do it from the general public. In many ways, they conceal their jobs behind layers of secrecy from laypeople. For a long time, investment banking was a kind of old boys’ club, and it can still be a tough nut for outsiders to crack.
The truth is, investment banking can be a great career, but ...

Many may have heard the term “hedge fund” but may be unfamiliar with what hedge funds actually are, what sets them apart from other financial instruments, or how they are used to generate income for those who invest using this method.
Here is a basic overview of what hedge funds are and their essential defining characteristics.
Hedge Funds as Investment Tools
Hedge funds are primarily used as mechanisms to generate revenue based on investments provided by the “limited partners” and managed by...

If a corporation, individual, or sovereign entity is struggling to pay their debts, one option is debt restructuring. The ability to restructure debt can prevent companies from defaulting on loans, filing for bankruptcy, or even going out of business entirely. It can also be a way to lower interest rates. Bankruptcy can be complicated and costly, so debt restructuring is often the better option when it comes to addressing a company’s financial woes. So how does debt restructuring work?
Direct...

Running a successful business can give you a great sense of accomplishment. Achieving such a milestone requires you to consider different factors that can push your business to success. Along the way, it is essential to evaluate your business based on various criteria to determine whether it is headed in the right direction. Here are some tips on what to look for to know if your business is thriving.
Volume of clientsAll businesses exist to serve clients in one way or another. The primary ben...

During the 2008 financial crisis, there was a drastic reduction in the availability of business and consumer credit. It was difficult to get loans for small businesses, or even cars and student loans. As a result, the Federal Reserve instituted the Term Asset-Backed Securities Loan Facility (TALF), which helped to mitigate market pressure and encouraged continued investor trading. It did so by issuing non-recourse loans of eligible asset-back securities (ABS) for up to five years. The goal wa...

Most professionals see networking as an uncomfortable and necessary evil to seek new opportunities, establish influential relationships, and get essential tasks done. Business leaders who want to advance their careers, build their reputations, and develop a personal brand may have to engage in operational and personal networking.
Operational networking enables professionals to build strong and long-lasting relationships with supervisors, subordinates, customers, suppliers, and other personnel...

There’s no one right way to invest. Instead, it’s about finding the balance between the amount of risk you’re comfortable with and the needs of your future. But just because it’s about being comfortable doesn’t mean that you need to be complacent. You can use a lot more vectors than just your gut instinct when determining your risk tolerance.
Currency vs. Purchasing Power
Does it matter more how much money you have or how much value that money has at the moment? That’s going to affect your to...

Slaving on the clock from sun up to sun down may seem like the noble thing to do as a dedicated leader, but as it turns out, this leadership style symbolizes time mismanagement and the inability to work smartly. To be successful in a role that largely affects the lives of others as well as the wellbeing of an organization, there has to be a certain level of tact and resourcefulness. Consider these helpful tips to get the job done with less to worry about.
Pay Attention To Team Members
A cruci...

Banks make loans to individuals and companies who then pay back the amount of the loan plus interest. Since banks make money from loans, those loans are considered the bank’s assets. However, those assets also come with liability. What if someone defaults on a loan the bank has given them and is unable to pay back the money they owe to the bank? This presents a risk or liability for the bank. While the bank stands to make money by collecting the interest on a loan, they also could potentially...