This document is a quarterly publication from the Insurance Accounting & Systems Association (IASA) that includes the following:
1) The cover story is an article about the rise of social media and the risks it poses to insurance companies, including reputational damage from comments on platforms like Facebook and Twitter.
2) Other sections include association news, articles on topics like actuarial acumen and loss reserve valuation, and information on IASA's executive education programs.
3) The publication provides updates on insurance industry trends, regulatory issues, and educational opportunities for insurance professionals.
Social media has moved from the fringes of techno geek culture to the mainstream with astonishing speed. The terms “social media” (or “social networking” or “Web 2.0”) is a catch-all for a variety of digital services, usually free to users and carrying advertising, perhaps the best known of which is Facebook.
A few years ago, this industry barely existed. Now it’s growing and evolving too quickly for anyone to keep pace with it. Where all this is going is impossible to predict, except to say that it is not going away, particularly given the proliferation of smartphones, iPads and tablets, and other mobile devices.
And as technology has always outpaced regulation, social media is no exception. Regulators in the US and Europe have so far issued only general regulatory guidance and still seem to be struggling to get their arms around the issue. As a result firms are skeptical about what steps they should take – if any – to start their foray into social media.
This paper gives firms a look at the four main social media outlets; provides tips in navigating these websites; and lays out a best practices framework for developing a comprehensive social media policy.
Disclaimer: This communication is provided by Advent Software, Inc. for informational purposes only and should not be construed as, and does not constitute, legal advice on any matter whatsoever discussed herein.
Many hurdles traditionally stood in the way of CEOs’ entry into the world of social media. Top barriers cited in prior Weber
Shandwick research on “unsocial” CEOs in 2013 included: social media usage by CEOs was unusual for the industry or region,
there was no proof that it returns value, there was no demand, and it was too risky. Interestingly, barriers such as legal
obstruction and industry regulation were infrequently raised (The Social CEO: Executives Tell All, Weber Shandwick and KRC
Research). Much to their credit, CEOs are overcoming these challenges and, to a growing degree, embracing the opportunities
that come from being social.
Operating in an increasingly connected and transparent digital world where the general public is acutely attuned to what CEOs
say and do, executives see online engagement as a prime opportunity for their chief executives to share their companies’
stories and elevate the reputation of their companies. With eight in 10 global executives reporting that it is important for
CEOs to have a visible public profile for a company to be highly regarded, online channels and social media become one set of
tools for CEOs to increase their external equity. And doing so comes with reputational rewards: highly regarded companies
are more than three times as likely as those with weak reputations to have a CEO who participates in social media. (The CEO
Reputation Premium: Gaining Advantage in the Engagement Era, Weber Shandwick and KRC Research.)
Managing reputation for US technology companies in the UKBrunswick Group
Corporate reputations across most sectors have deteriorated in recent years, but the tech industry has proved almost immune to reputational damage. Recently, however, major concerns around data privacy, corporate tax and the use of online networks by terrorists have caused UK public and media sentiment to shift. These issues have also put the tech sector on a collision course with governments and regulators, both in the UK and across Europe.
Drawing on new opinion research from Brunswick Insight, this presentation examines why trust in tech companies is falling in the UK, and provides a basis for designing strategies to rebuild it. We also look at the practical implications of a damaged reputation as the sector faces up to new challenges and a more hostile environment.
For more information please contact:
Amanda Duckworth: www.brunswickgroup.com/people/directory/amanda-duckworth/
Chris Blundell: www.brunswickgroup.com/people/directory/chris-blundell/
Phil Riggins: www.brunswickgroup.com/people/directory/phil-riggins/
Social media has moved from the fringes of techno geek culture to the mainstream with astonishing speed. The terms “social media” (or “social networking” or “Web 2.0”) is a catch-all for a variety of digital services, usually free to users and carrying advertising, perhaps the best known of which is Facebook.
A few years ago, this industry barely existed. Now it’s growing and evolving too quickly for anyone to keep pace with it. Where all this is going is impossible to predict, except to say that it is not going away, particularly given the proliferation of smartphones, iPads and tablets, and other mobile devices.
And as technology has always outpaced regulation, social media is no exception. Regulators in the US and Europe have so far issued only general regulatory guidance and still seem to be struggling to get their arms around the issue. As a result firms are skeptical about what steps they should take – if any – to start their foray into social media.
This paper gives firms a look at the four main social media outlets; provides tips in navigating these websites; and lays out a best practices framework for developing a comprehensive social media policy.
Disclaimer: This communication is provided by Advent Software, Inc. for informational purposes only and should not be construed as, and does not constitute, legal advice on any matter whatsoever discussed herein.
Many hurdles traditionally stood in the way of CEOs’ entry into the world of social media. Top barriers cited in prior Weber
Shandwick research on “unsocial” CEOs in 2013 included: social media usage by CEOs was unusual for the industry or region,
there was no proof that it returns value, there was no demand, and it was too risky. Interestingly, barriers such as legal
obstruction and industry regulation were infrequently raised (The Social CEO: Executives Tell All, Weber Shandwick and KRC
Research). Much to their credit, CEOs are overcoming these challenges and, to a growing degree, embracing the opportunities
that come from being social.
Operating in an increasingly connected and transparent digital world where the general public is acutely attuned to what CEOs
say and do, executives see online engagement as a prime opportunity for their chief executives to share their companies’
stories and elevate the reputation of their companies. With eight in 10 global executives reporting that it is important for
CEOs to have a visible public profile for a company to be highly regarded, online channels and social media become one set of
tools for CEOs to increase their external equity. And doing so comes with reputational rewards: highly regarded companies
are more than three times as likely as those with weak reputations to have a CEO who participates in social media. (The CEO
Reputation Premium: Gaining Advantage in the Engagement Era, Weber Shandwick and KRC Research.)
Managing reputation for US technology companies in the UKBrunswick Group
Corporate reputations across most sectors have deteriorated in recent years, but the tech industry has proved almost immune to reputational damage. Recently, however, major concerns around data privacy, corporate tax and the use of online networks by terrorists have caused UK public and media sentiment to shift. These issues have also put the tech sector on a collision course with governments and regulators, both in the UK and across Europe.
Drawing on new opinion research from Brunswick Insight, this presentation examines why trust in tech companies is falling in the UK, and provides a basis for designing strategies to rebuild it. We also look at the practical implications of a damaged reputation as the sector faces up to new challenges and a more hostile environment.
For more information please contact:
Amanda Duckworth: www.brunswickgroup.com/people/directory/amanda-duckworth/
Chris Blundell: www.brunswickgroup.com/people/directory/chris-blundell/
Phil Riggins: www.brunswickgroup.com/people/directory/phil-riggins/
The Newest Element of Risk Metrics: Social MediaPriyanka Aash
In order to identify, measure and track the risk exposure that different elements of social media have on an organization, organizations require a threat metric framework to evaluate a network’s current risk posture. Learn how to take an ocean of data and distill it to the most critical risk indicators.
(Source: RSA USA 2016-San Francisco)
Yahoo's Lawsuit Against Former Employee for Leaking Information to PressTric Park
Yahoo filed a lawsuit against Cecile Lal, who it identified as a former chief of staff to a senior vice president at the company, in Santa Clara County superior court. The claim alleges breach of contract and breach of a fiduciary duty of loyalty by Lal, who it says leaks confidential information to author and journalist Nicholas Carlson.
201309 LOMA Policyowner Service and Contact Center WorkshopSteven Callahan
Presentation to insurance service leaders on service and contact center opportunities to provide competitive differentiation as well as summary results of a recent short survey on contact center challenges.
The Newest Element of Risk Metrics: Social MediaPriyanka Aash
In order to identify, measure and track the risk exposure that different elements of social media have on an organization, organizations require a threat metric framework to evaluate a network’s current risk posture. Learn how to take an ocean of data and distill it to the most critical risk indicators.
(Source: RSA USA 2016-San Francisco)
Yahoo's Lawsuit Against Former Employee for Leaking Information to PressTric Park
Yahoo filed a lawsuit against Cecile Lal, who it identified as a former chief of staff to a senior vice president at the company, in Santa Clara County superior court. The claim alleges breach of contract and breach of a fiduciary duty of loyalty by Lal, who it says leaks confidential information to author and journalist Nicholas Carlson.
201309 LOMA Policyowner Service and Contact Center WorkshopSteven Callahan
Presentation to insurance service leaders on service and contact center opportunities to provide competitive differentiation as well as summary results of a recent short survey on contact center challenges.
20140408 LOMA Life Insurance Conference: STP More Than Just A Tweak To Your O...Steven Callahan
Provides an overview of what may be achieved through the digitalization of new business processing and the implementation of straight-through processing including the digital delivery of life insurance policies.
Připravili jsme pro vás trendovou studii o m-commerce. Potřebujete se zorientovat v problematice, zjistit něco o důležitých technologiích a získat přehled o zajímavých projektech z celého světa?
Discussion of strategies for increasing profits without focusing on expense reduction but instead on areas with leverage like claims. Specific examples for gaining an edge are discussed.
201210 Insurance and Technology: Changing Times- How CIO's Can Increase Influ...Steven Callahan
Contributor to an article following Elite 8 winner announcements discussing how CIO's can increase their strategic influence and better enable their organizations to realize the benefits from technology.
201204 Nolan QNL: Life and Annuity Industry OutlookSteven Callahan
An abbreviated version of the industry forecast for 2012 pointing out the highlights of key issues, strategies, areas needing focus, and likely structural changes.
Article discussing key trends in technology and considerations for leaders looking for strategies to achieve competitive advantage without taking years and millions of dollars. Offers up the question of legacy system replacement tradeoffs and alternatives.
15 Learnings from the European Innovation Academy 2015Nikita Lukianets
PocketConfidant participated in the
European Innovation Academy 2015 to shape it’s vision and learn new things. European Innovation Academy is the World's Largest Extreme Accelerator Focused on IT Innovations. The vision of the EIA is to help teams to move from idea to startup in only 15 days #EIA2015
201210 Insurance and Technology: Elite 8 CommitteeSteven Callahan
Recognition by Insurance and Technology as a member of the advisory board for their annual Elite 8 CIO awards. The Nolan Company's nominee, Brian LeClaire, was one of the winners.
We set out to answer these questions and ended up writing “Our Playbook for Digital Crisis Management 3.0.” Born out of our global experience preparing for and responding to brand and corporate crises, it’s now part of our global training program.
We wanted to understand how social media was fundamentally changing the way we approach crisis management. We wanted to marry established crisis practices with the most evolved thinking in social media marketing and social business practices. We also wanted to be highly practical – today’s experts need a suite of apps they can quickly access when a crisis threatens to break.
Corporate Advocacy in a Time of Social Outrage.pdfIQbal KHan
Businesses can’t weigh in on every issue that employees care about. But they can create a culture of open dialogue and ethical transparency. by Alison Taylor
Measuring Value Of New Media Channels While Combining Them With Traditional C...Shael Sharma
4th Annual Corporate Communications ForumBombay 14-15 May’09:
Measuring Value Of New Media Channels While Combining Them With Traditional Channels To Manage Reputation In A Digitally Connected World
25law43665_ch02_025-046.indd 25 111618 1108 AMC H .docxstandfordabbot
25
law43665_ch02_025-046.indd 25 11/16/18 11:08 AM
C H A P T E R T W O
Managing Public
Issues and Stakeholder
Relationships
Businesses today operate in an ever-changing external environment, where effective management
requires anticipating emerging public issues and engaging positively with a wide range of stake-
holders. Whether the issue is growing concerns about climate change, health care, safety at work
or in our schools, social equality, or consumer safety, managers must respond to the opportunities
and risks it presents. To do so effectively often requires building relationships across organizational
boundaries, learning from external stakeholders, and altering practices in response. Effective man-
agement of public issues and stakeholder relationships builds value for the firm.
This Chapter Focuses on These Key Learning Objectives:
LO 2-1 Identifying public issues and analyzing gaps between corporate performance and stakeholder
expectations.
LO 2-2 Applying available tools or techniques to scan an organization’s multiple environments and assess-
ing stakeholder materiality.
LO 2-3 Describing the steps in the issue management process and determining how to make the process
most effective.
LO 2-4 Identifying the managerial skills required to respond to emerging issues effectively.
LO 2-5 Understanding the various stages through which businesses can engage with stakeholders, what
drives this engagement, and the role social media can play.
LO 2-6 Recognizing the value of creating stakeholder dialogue and networks.
Final PDF to printer
26 Part One Business in Society
law43665_ch02_025-046.indd 26 11/16/18 11:08 AM
A 2016 study from the Public Affairs Council found that many major corporations are
feeling increased pressure to speak out on social issues, ranging from discrimination and
human rights to environmental sustainability and quality education. Among companies
with more than $15 billion in annual revenue, more than three in four said expectations for
engagement had risen. Most of the pressure to engage in social issues, said the companies,
has come from their own employees.1
Legislative battles in North Carolina, Tennessee, Mississippi, and Georgia prompted
business leaders to take a stand favoring rights for transgender individuals. Dow Chemical,
Alcoa, and Northrup Grumman lobbied elected officials and publicly condemned measures
seen as discriminatory. Monsanto lead the fight in Missouri against a bill that would allow
businesses to deny certain services to same-sex couples as a matter of religious freedom. In
response to North Carolina’s state legislature passing a law that blocked antidiscriminatory
protections at the local level, Deutsche Bank, the German financial institution with signifi-
cant business in the United States, said it would freeze its plans to add jobs in North Caro-
lina. PayPal announced it would halt its plans to open a new global operations center there.
While .
This presentation will give a brief overview of social and digital media and how it has become a major part of our lives, businesses and ecosystem.
It is important to understand how it affects our daily lives, and also how media and the way we communicate has changed (and still is changing) drastically.
Our Playbook for Digital Crisis and Issue Management 3.0Ogilvy Consulting
We set out to answer these questions and ended up writing “Our Playbook for Digital Crisis Management 3.0.” Born out of our global experience preparing for and responding to brand and corporate crises, it’s now part of our global training program.
We wanted to understand how social media was fundamentally changing the way we approach crisis management. We wanted to marry established crisis practices with the most evolved thinking in social media marketing and social business practices. We also wanted to be highly practical – today’s experts need a suite of apps they can quickly access when a crisis threatens to break.
Social media is the modern Pandora’s box: it has had a meteoric rise as a tool to interact and engage with customers, but also a dark underside exposing companies to new types of risk. Almost two-thirds of companies surveyed say that social media is a significant or critical risk to their brand reputation, yet 60% of companies either never train their employees about their corporate social media policies or do so only upon hiring. This report outlines how to be more proactive about managing social media risk through following a detailed four-step process: Identify, Assess, Mitigate, and Evaluate.
Guarding the Social Gates: The Imperative for Social Media Risk ManagementUzzi Ohana
Social media is the modern Pandora’s box: it has had a meteoric rise as a tool to interact and engage with customers, but also a dark underside exposing companies to new types of risk. Almost two-thirds of companies surveyed say that social media is a significant or critical risk to their brand reputation, yet 60% of companies either never train their employees about their corporate social media policies or do so only upon hiring. Moreover, 43% of companies have less then one full-time equivalent (FTE) dedicated to managing social media risk.
Corporate reputation is an intangible asset amounting to up to 70% of an organisation’s market capitalisation. Recent evolutions in the business environment and social communications have made stakeholder engagement an essential part of the strategy of responsible and successful organisations in order to maintain this capital. But research shows that most engagement efforts in multinational or multi-services companies are kept in silos and uncoordinated across business units or departments.
This document describes some of the engagement guidelines provided by the AA1000 and GRI assurance standards and how following these guidelines with an appropriate collaborative, full circle platform can help:
* identify important stakeholders and groups ;
* map them and their opinions on the organisation’s strategic issues ;
* engage them appropriately and monitor impacts.
in a natural continuous improvement cycle to help respond to short term events in the context of a long term communication and corporate reputation management strategy.
It also describes engagement in the context of crisis management and social media to show how detecting earlier warning signals both enhances the organisation’s ability to contain the crisis and lowers the cost at which this is done.
201207 Tech Decisions: 5 Keys to Fast Successful New Deployments.pdfSteven Callahan
Article reviews how to deal with the deluge of new technological options and the aspects of a strategy for quick, high quality implementations of emerging technologies. Based on company success stories, article lays out what will work.
20140826 I&T Webinar_The Proliferation of Data - Finding Meaning Amidst the N...Steven Callahan
Joint presentation with I&T's covering the proliferation of data available to insurance companies today and a high level view of searching for value and leveraging the relevant and useful buried in all of the trivia.
201406 IASA: Analytics Maturity - Unlocking The Business ImpactSteven Callahan
Overview of how experienced insurers are finally unlocking the business value of analytics to strengthen financial results through improved underwriting, better pricing, agent enablement, enhanced risk management, and targeted cost reductions and how analytics maturity and a roadmap increases the odds of success.
Reviews the importance of the claims payment process and how that moment of truth can define the competitive advantage of an insurance company. Focus is on how understanding and improving the process of claims payment benefits market share and organic growth.
201308 Insurance And Technology Webinar: Upgrading Financial SystemsSteven Callahan
Webinar on the reasons for upgrading financial systems, which are often left behind with the focus on customer facing administration and distribution management systems. Yet regulations are forcing companies to look at the benefits of upgrading their financial systems.
201005 LOMA CFO Inforum: State of the Insurance IndustrySteven Callahan
Overview of the key drivers and economics influencing the insurance industry in the coming years. Major trends in products, distribution, and service discussed.
201307 Nolan QNL: Game-Changers - Big Data AnalyticsSteven Callahan
How is big data and the use of analytics altering insurance company risk management and operations? What are the key factors to successfully integrating and using the deluge of new information and tools.
201202 Insurance News Network: CIO Stepping Stones to SuccessSteven Callahan
Discussion of the major issues facing CIO's and how they could best enhance their influence on corporate strategic direction and supporting strategies.
Article discussing longer term implications of the current challenges facing the industry and likely structural changes that will occur over time. Technology, talent management, operations and service differentiation are all discussed.
Quick interview discussing most effective way to start leveraging the power available in analytics and big data. Discusses key points on how to successful gain traction integrating analytics into the decision making process.
201205 Property Casualty 360: TMI is Never BadSteven Callahan
Quoted several times in article on the value of information and how the industry is unlikely to ever get too much. Information is critical so insurance decision making; managing it is becoming far more difficult.
201207 Insurance and Technology: Next Gen Mobile Strategies Table StakesSteven Callahan
Article on how companies not joining in rolling out strategies for leveraging mobile technology may end up at a competitive disadvantage. Discussion of key factors associated with mobile strategies and why all companies should be looking at ways to leverage.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
when officially can i withdraw my pi Network coins.DOT TECH
When will I be able to sell my Pi coins?
Pi open mainnet is in 3years time that is 2026. So if you can't wait till then you can still sell your pi coins to Chinese investors looking forward to hold massive amounts of pi coins before mainnet launch in 2026.
You can't meet the investors directly you have to go through their vendors.
A pi vendor is someone who buys pi coins from miners and resell them to investors.
I have a vendor I sell pi coins to and I and my friends have sold more than 10k coins to him.feel free to telegram him if you want to sell.
@Pi_vendor_247
#pi network
#sell pi coins
#money
how to sell pi coins in Canada, Uk and AustraliaDOT TECH
If you are interested in selling your pi coins in Canada, UK or any other country in the world, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇
@Pi_vendor_247
#pi network
#pi coins
#pi
#money
#passive income.
how can I transfer pi coins to someone in a different country.DOT TECH
The answer is yes.
You can easily transfer pi network coins to any user in any country. All the receiver needs is the kyc verified and mainnet approved wallet to recieve the coins.
How to sell pi coins?
If you are looking forward to sell. I will leave the telegram contact of my personal pi vendor:
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
9th issue of our inhouse magazine Ingenious May 2024.pdfAnkur Shah
The Ingenious magazine is a quarterly magazine prepared by the alumni of FCFP under the able guidance of our Guru Shri Gopinath Radhakrishnan sir.
The magazine comprises of writeups related to economy; finance & industry based on our research.
how can i trade pi coins for Bitcoin easily.DOT TECH
Pi is not launched yet on any exchange, it is not sellable, but you can actually exchange your I network coins to other currencies. By selling your pi network coins to investors and holders of the coins.
How can I find a pi network investor
Lol, you don't need to find a investor all you have to do is to sell your pi coins to a vendor [ buys from miners and resells to the holders]
I will leave the whatsapp contact of my personal pi network vendor to trade Pi coins with.
@Pi_vendor_247
#pi network
#pi
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#legit
#bitcoin
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.
201211 IASA theInterpreter: Social Media - Beware the Iceberg
1. A publication of the Insurance Accounting & Systems Association
theInterpreter®
FALL 2012
Vol. LXXXII
Issue II
®
Social
Media
Beware the
Iceberg
Feature Story p. 12
Actuarial Acumen
Association News p. 24
Leadership Development
p.10
Special Section:
Executive Education in Focus
2. columns departments
feature story
special section
8 President’s Message
Embracing Mystery
9 From the Executive Director
Malala’s Story
14 IFRS Update
To IFRS or Not To IFRS
16 The Trend Toward
Self-Service
R&D Priorities Driven by
Industry Demands
4 Editorial Opinion
6 About IASA
6 Members Only Benefits
23 Association News
• Career Skills Development Track Recap
• National Volunteer Profile: Celeska Fredianelli
• Leadership Development
• Industry Pulse
• Top Tech Trends from San Diego
• Committee Spotlight:
Marketing & Communications
• The Lighter Side
12 Actuarial Acumen: Tips for Effective
Governance over Loss Reserve Valuation
In today’s competitive business environment, effective corporate governance is paramount. Govern-
ing insurance loss reserves (typically the largest liability on an insurance company’s balance sheet)
requires management and the Board of Directors to understand key actuarial elements to interact
efficiently with and govern the actuarial function. In fact, it is critical for directors and others charged
with insurance company governance to understand loss reserve valuation and effectively navigate
the actuarial reporting process.
15 Executive Education in Focus
The IASA Executive Education Program continues to evolve to serve the changing educational needs
of insurance executives across the country and across the industry. Included in this special section of
the Interpreter is extended coverage of recent Executive Education Program events, and details about
what you can expect in the future.
cover story p. 10
Steve Callahan of the Robert E. Nolan Company
believes social media has moved “from a fad to a
deep-rooted part of the fabric of our society for not
only business, but our personal lives as well.” In this
article, he details the “arrival” of social media in
terms of legitimate impact on our society as a whole
and the insurance industry in particular. According to
Callahan, “the final stamp of arrival was the October
3rd live streaming of the second presidential debate
of the season on YouTube, marking a milestone
similar in magnitude to the now-recognized impact
of the first televised debates in the 1960s between
John F. Kennedy and Richard Nixon.”
FALL 2012 x Vol. LXXXII x Issue II
Fall 2012 3
A publication of
®
®
contents®
PUBLISHED BY
Insurance Accounting
& Systems Association, Inc. (IASA)
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Phone: (919) 489-0991, Fax: (919) 489-1994
Email: info@iasa.org
VICE PRESIDENT
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Linda Paolucci
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Linda.paolucci@tiaa-cref.org
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Copyright 2012 by IASA. All right reserved.
Note: The views expressed in Interpreter articles and
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Social
Media
Beware the
Iceberg
3. S
ocial media has
moved from a fad to
a deep-rooted part
of the fabric of our
society for not only business, but
our personal lives as well. The
final stamp of arrival was the
October 3rd
live streaming of the
second presidential debate of the
season on YouTube, marking a
milestone similar in magnitude
to the now-recognized impact of
the first televised debates in the
1960s between John F. Kennedy
and Richard Nixon.
So, in terms of social media,
recent developments make
asking “Where are we today?”
extremely relevant and timely.
Just consider:
• Over two-thirds (66 percent)
of individuals in U.S. use social
media, including over 50 percent
of senior citizens, with 900
million plus on Facebook
and approximately 140 million
on Twitter.
• According to the
Independent Insurance Agents
of America (IIA), over 60
percent of independent
agencies are using Facebook
and LinkedIn, primarily for lead
generation, brand advertising
and customer engagement.
• Nearly 80 percent of
surveyed insurers are either
already using, or are planning
to very shortly start using, some
form of social media, with 80
percent listing their number one
concern as compliance.
• Over three-fourths (75
percent) of carriers involved
in social media are actively
monitoring their agents using
customized software systems,
while over two-thirds (66
percent) also require pre-
approval of all content.
• Budgeting for 2013, over
three-fourths (75 percent) of
the companies surveyed will be
increasing their investment in
the use of social media.
Like the infamous iceberg,
the issues surrounding social
media run deep and far exceed
the obvious surface level
marketing and collaboration
aspects getting all the attention,
and the portion underwater
is not only vast, but it can be
deadly. Companies face an
entirely new assortment of risks,
including reputational damage,
First and Fourth Amendment
suits, slander, defamation,
misrepresentations, intellectual
capital theft, data breaches,
business interruption, human
rights violations and invasion
of privacy. And, each risk is
amplified by employee and agent
use of social media.
These days, it’s easy for
a tweet to go viral and do
immeasurable damage to a
company’s reputation. Even
a Facebook post can generate
tens of thousands of “likes,”
bringing negative attention to a
decision. In essence, social media
effectively internationalizes
complaints. YouTube videos
personalize issues and can
translate across platforms to
tweets and a Facebook page. Two
very recent examples stand out:
• Progressive’s recent social
media-driven settlement over
the handling of Katie Fisher’s
automated claim in August of
this year, potentially setting
the stage for future claims
practices; and,
• Aetna’s reinstatement of
Arijit Guha’s policy covering his
cancer treatments after a barrage
of reputation-harming tweets,
creating an exception that could
become a precedent.
According to Symantec’s
2011 State of Security Survey,
social media ranked number two
behind mobile computing on the
list of “somewhat” or “extremely
significant” industry trends
affecting the security of IT. The
World Economic Forum profiled
the extent of the exposure by
listing cyber security as one of
the top five risks to watch along
with demographic challenges
and weapons of mass destruction
in its 2011 Global Risks Report.
No longer simply a marketing
debate on whether or not there
is adequate ROI, social media
represents a significant business
risk as well, with roughly 35
percent of businesses investing in
cyber insurance as part of their
risk management programs.
Managing exposures remains
a complex and unclear process.
There are many unresolved
legal questions about balancing
10 Fall 2012 theInterpreter x www.iasa.org
cover story
Social
Media
Beware the
Iceberg
by Steven M. Callahan, CMC®