An Outline Of Joint Funds India Essay

An Outline Of Joint Funds India Essay
This chapter is fanatical for providing theoretical outline of joint funds India. This chapter too offerings the kinds of countless schemes, advantages and
problems and also explicates the applicable terminology.
A Mutual fund is a trust that pools the investments of a number of stakeholders who share a mutual financial aim. The money thus composed is then
capitalized in capital market instruments such as shares, debentures and other securities. The income received through these funds and the capital
increases understood are shared by its element holders in amount to the number of units kept by them. Thus a mutual fund is the most appropriate
investment of the common man as it offers a chance to invest in an expanded, skillfully managed basket of securities at a comparatively low cost. The
flow chart below defines largely the working of mutual funds.
MUTUAL FUNDS IN INDIA
ABN AMRO Mutual Fund в”‚Birla Sun Life Mutual Fundв”‚Bank of Baroda Mutual Fund (BOB Mutual Fund)в”‚HDFC Mutual Fundв”‚HSBC
Mutual Fundв”‚ING Vysya Mutual Fund в”‚Prudential ICICI Mutual Fundв”‚Sahara Mutual Fund в”‚State Bank of India Mutual Fund (SBI)в”‚Tata
Mutual Fund. The concept of mutual funds in India dates back to the year 1963. The era between 1963 and 1987 marked the existence of only one
mutual fund Company in India with Rs. 67bn assets under management (AUM).by the end of its monopoly era. The Unit Trust of India (UTI), by the
end of the 80s decade,
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bond case mutual of seattle insurance company Essay
Bond Case
Sam Strother and Shawna Tibbs are vice presidents of Mutual of Seattle Insurance Company and co–directors of the company's pension fund
management division. An important new client, The North–Western Municipal Alliance, has requested that Mutual of Seattle present an investment
seminar to the mayors of the represented cities, and Strother and Tibbs, who will make the actual presentation, have asked you to help them by
answering the following questions.
1) What are the key features of a bond?
2) What are call provisions and sinking fund provisions? Do these provisions make bonds more or less risky?
3) How does one determine the value of any asset whose value is based on expected future cash flows?
4) How is the value of a ... Show more content on Helpwriting.net ...
Nominal Yield (Coupon Rate). Theinterest rate defined on the coupon. This is generally the interest rate you receive if: you acquired the bond at par
(that is, at neither a discount nor a premium to its par value) there is no call feature on the bond you don't reinvest coupon payments and, you are
resolved to hold the bond until maturity. In reality, it is almost certainly not your actual interest rate. Current Yield. Factors in the bond's market price,
which is generally not the same as par value. Yield to Maturity. Considers the current market price, the coupon rate and the time to maturity and
assumes that interest payments are reinvested at the bond's coupon rate. This is the most accurate, and most widely quoted, measure of return on a

A Study on Mutual Funds of India
CHAPTER 1
INTRODUCTION
MEANING| A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is
then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the
capital appreciation realised are shared by its unit holders in proportion to the number of units owned by them. Thus a Mutual Fund is the most suitable
investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low
cost. In other words, Mutual fund is a mechanism for pooling the resources by issuing units to the investors and investing funds ... Show more content
on Helpwriting.net ...
It includes swot analysis, products and services.Chapter IV : Conceptual study.This chapter gives a detailed information on the various concepts of
mutual funds, types of mutual funds, fund houses operating in India,Chapter V :Data analysis.This chapter analyses and interprets the data collected
from the questionnaire.Chapter VI : Findings suggestions and conclusion.This chapter gives details about the findings from the study, suggestions for
improvement and the conclusion.CHAPTER 2INDUSTRYPROFILEORIGIN, GROWTH AND DEVELOPMENT OF THE MUTUAL FUND
INDUSTRYThe mutual fund industry in India started in 1963 with the formation of Unit Trust of India, at the initiative of the Government of India
and Reserve Bank of India.First Phase – 1964–87 Unit Trust of India (UTI) was established on 1963 by an Act of Parliament. It was set up by the
Reserve Bank of India and functioned under the Regulatory and administrative control of the Reserve Bank of India. In 1978, UTI was de–linked from
the RBI and the Industrial Development Bank of India (IDBI) took over the regulatory and administrative control in place of RBI. The first scheme
launched by UTI was Unit Scheme

Customer Attitude Toward Insurance
CUSTOMER ATTITUDE TOWARDS PRODUCT
OF HDFC STANDARD LIFE INSURANCE
Submitted by,
SANDHYA MBA– Semester III
(Session 2009–2010)
CHAPTER: 1
INTRODUCTION OF THE
Study
INTRODUCTION OF THE STUDY
In my research I have tried to find out what the customer attitude towards the product of HDFC Standard Life Insurance. The study has been carried out
in Bhilai. It has been carried out with the purpose to study the customer attitude towards Hdfc.
In my study I have used parameter like tax benefit, return, saving, future uncertainty, and other benefit provided by the company.
An attitude is a hypothetical construct that represents an individual's degree of ... Show more content on Helpwriting.net ...
The group's joint venture in China with Tianjin Economic
Development Area General Company ("TEDA") became operational in 2003. Returns through regular bonuses
Standard Life Group (Standard Life plc and its subsidiaries) * Standard Life Group (Standard Life plc and its subsidiaries) * The Standard Life group
has been looking after the financial needs of customers for over 180 years * It currently has a customer base of around 7 million people who rely on
the company for their insurance, pension, investment, banking and health–care needs * Its investment manager currently administers Г‚ВЈ125 billion in
assets * It is a leading pensions provider in the UK, and is rated by Standard & Poor's as 'strong' with a rating of A+ and as 'good' with a rating of
A1 by Moody's * Standard Life was awarded the 'Best Pension Provider' in 2004, 2005 and 2006 at the Money Marketing Awards, and it was voted a 5
star life and pension's provider at the Financial Adviser Service Awards
for the last 10 years running. The '5 Star' accolade has also been awarded to Standard Life Investments for the last 10 years, and to Standard Life Bank

since its inception in 1998.
Standard Life Bank was awarded the 'Best Flexible Mortgage Lender' at the Mortgage Magazine Awards in 2006.
KEY STRENGTHS
1) Financial Expertise as a joint venture of financial

Why Do People Spend More Time Buying A New Car Or Planning...
Introduction Why do people spend more time buying a new car or planning a vacation than investing their life savings? Most people know they
should play a more active role in their investments but they often do not know where to start. Investing simply means putting your money to work
so it can make more money. The responsibility for retirement planning is shifting to the individual. According to Statistics Canada, the amount of
paid workers covered by a registered pension plan dropped from 44.2 % in 1985 to 38.5% in 2005. Saving for retirement will likely be the biggest
financial goal for most Canadians and investing is one of the few ways that can help achieve their goals. Investing is not a get–rich quick scheme nor
is it gambling. Gambling is putting your money at risk by betting on a random outcome with the hope that you might win more money. Wise investors
don't leave it to chance. They have a plan and commit money only when they have a reasonable expectation of profit. Everyone has a different idea of
what money means to them – personal freedom. A sense of security or the ability to afford the things they want in life. Having an investment plan can
help you get where you want to be. An Investment funds is a pool of money collected from many investors that is used by the fund manager to
purchase and sell stocks, bonds or other securities in accordance with the fund's investment objective. The purpose of this paper is to discuss two
investment funds –

Why Teens Shouldn T Drive Essay
Why teens should not be allowed to drive
There are good and bad drivers no matter the age group but experience and patience make a good driver. Teen drivers are new to the scene and when
someone is learning something new, there is always a learning curve and within that learning curve, there will always be missteps and accidents.
Learning something new takes time and skipping the tutorial to go into the game for real, just isn't safe for the driver and the other people around the
rookie. Teens involved in accidents are mainly due to their lack of experience and distractions in and out of the vehicle.
Teenagers have many things on their mind at this point in their life, and driving is a very serious thing. People's lives are in danger when ... Show more
content on Helpwriting.net ...
Teenagers have a lot on their mind, and that can be a distraction while driving while at the same time still a rookie. They always have tests to study
for, reports due, and relationships. All of these things can contribute to an accident while driving. Another factor that tie in distraction and
inexperienced teens from driving is how addicted they are to their phones. Checking your phone while driving is one of the biggest causes for
accidents, and they might think they are in a safe space to check their phone, but really you always need to be alert and that may cause an accident.
Many disagree with us, saying that teens are actually safe drivers just because they received their licensed and say that they are patient and mature
yet we assert that those teens are the minority and the public looks at the bigger picture. The majority of teens are the opposite of safe drivers being
impatient and immature and that is a major concern to driver and everyone else around them. For instance, In an article called , "Experts Say Teen
Drivers Need More Practice" by Theresa Juva–Brown, a journalist for The Westchester County, N.Y. Journal News, expresses, "Some 3,000 teenagers
are killed each year in car crashes nationwide, making it the leading cause of death for 13– to 19–year–olds, according to the Insurance Institute for
Highway Safety" (2). Though 3000 lives are not a lot, those deaths

Empirical Literature Review On Corporate Governance
2.4 Empirical Literature Review 2.4.1 Corporate Governance and Firms Performance The argument of Berle and Means (1932) on corporate
governance formed the foundation for further studies by various researchers on the trend of corporate governance. Their study revealed the
possibility of creating a separation of control between the mangers who run the large size corporations and the owners who are the provider of
capital. This observation of a departure and separation of ownership and control gave rise to a situation where emphasis is now focusing on the
behavioural aspect and topical theory of the firm. Kajola (2009) examined corporate governance and firm performance in Nigeria The result reveals
that there is a significant relationship between Return on Equity (ROE) and board size as well as chief executive status. The study further reveals a
positive significant association between Profit Margin (PM) and chief executive. Weisbach (1988), Heranlin and Weisbach (1991) examine agency
theory and corporate governance .They observed that there is a positives relationship between firm performance and the proportion of outside
directors sitting on the board. However, in the works of Forberg (1989), Weisbach (1991), Bhagat and Black (2002) and Sanda... Show more content on
Helpwriting.net ...
(2000) was able to conclude that Independence together with activity of the Audit Committee is associated with a lower incidence of AAER For
control variables, growth of company or the CEO as Chair of the Board resulted in a greater incidence of fraud. Klein (2002b) report of studies carried
out on corporate governance mechanism and abnormal accrual in the books established negative relationship between board/audit committee
independence and abnormal accruals. No evidence between having all independent audit committee and abnormal accruals. Changes from majority
independent boards and/or audit committees result in as significant increase in abnormal accruals. Percentage of CEO holdings is not

Frederick Mutual Insurance Case Summary
BRIAN CULP AND FREDERICK MUTUAL INSURANCE COMPANY'S
MEMORANDUM IN SUPPORT OF THEIR MOTION FOR A PROTECTIVE ORDER
Brian Culp and the Frederick Mutual Insurance Company (hereinafter referred to collectively as "Movants"), through the undersigned counsel, move
this Court pursuant to Md. Rule 2–403, Md. Rule 2–510, and Md. Code (2008, 2017 suppl.) В§ 9–405 of the Courts and Judicial Proceedings Article
("CJP"), for a protective order as to the Subpoena and Notice of Deposition of Brian Culp, Propounded by Defendants, Lowe's Home Centers, Inc.;
Dave Swagger, a/k/a/ David Swagger; and Randolph Scott ("Defendants"), and in support thereof, state as follows:
STATEMENT OF FACTS
On or about February 26, 2016, Plaintiff; Joyce Ollie Floyd, ("Floyd") ... Show more content on Helpwriting.net ...
The Lowe's Defendants also assert a cause of action for breach of contract against Groundtec claiming that it breached paragraphs 23 and 26 in the
Agreement. See Exhibit A, at В¶В¶ 23–28.
In support of these allegations, the Lowe's Defendants cite to the insurance provision at paragraph 23 in the Agreement, and allege that Groundtec
was required to name Lowe's as an additional insured on Groundtec's general liability policy. See Exhibit A, at В¶ 11. The Lowe's Defendants also
cite to the indemnity provision at paragraph 26 in the Agreement and allege that Groundtec was required to defend and indemnify Lowe's as an
additional insured on Groundtec's general liability policy. See Exhibit A, at В¶ 11. At all relevant times, Groundtec was insured by and through a
general liability insurance policy issued by Movant, Frederick Mutual Insurance Company, which has a principle place of business at 57 Thomas
Johnson Driver, Frederick Maryland 21702. Mr. Brian Culp is an employee of Frederick Mutual Insurance Company, and was assigned to supervise the
claim by the Lowe's Defendants against Frederick Mutual's insured, Groundtec.
Shortly thereafter, the Lowe's Defendants, by and through counsel, demanded that Groundtec and/or Frederick Mutual Insurance Company agree to
defend and indemnify the Lowe's Defendants pursuant to Groundtec's contract with Merit Service Solutions, LLC (a non–party) and based upon the
Lowe's Defendants' claims that they qualify as additional

Chapter 17 Mutual Funds and Hedge Funds
Chapter 17
1. Why are mutual funds popular with individual investors?
Able to enjoy economies of scale by incurring lower transaction costs and commissions. Provide opportunities for small investors to invest in a liquid
and diversified portfolio of financial securities.
2. What is the purpose of index funds? How does this differ from other equity mutual funds? Why are index funds growing in popularity? Index funds
are funds in which managers buy securities in proportions similar to those included in a specified major index. Index funds involve little research or
management, which results in lower management fees and higher returns than actively managed funds. Actively managed funds turn over their
holdings rapidly.
3. How ... Show more content on Helpwriting.net ...
Insider Trading and Sec Fraud Enforcement Act of 1988– required mutual funds to develop mechanisms and procedures to avoid insider trading abuses.
Market Reform Act of 1990– allows the SEC to introduce circuit breakers to halt trading on exchanges and restrict program trading when it is deemed
necessary. National Sec Market Improvement Act 1996– exempts mutual fund companies from oversight by state securities regulators.
8. In what ways are hedge funds different from mutual funds?
Are not subject to heavy regulation that apply to mutual funds. Do not have to disclose their activities to third parties. Because of less regulation, they
use aggressive strategies that are unavailable to mutual funds. Actual data cannot be individually tracked. Self–reported. Take positions speculating that
some prices will rise faster than others. Do not have to register with SEC. They avoid regulation by limiting the number of investors to less than 100
and by requiring investors to be accredited.
9. What are the primary differences between index funds and ETFs? What are two examples of ETFs?
ETFs are traded on a stock exchange at prices that are determined by the market.Etfs can be traded during the day, they can be purchased on margin
and sold short by an investor. ETF investors can defer capital gains as long as they

Personal Narrative: My Internship At State Farm Simon Office
I had an internship in State Farm Simon Office (an insurance agency) within the Curricular Practical Training portion of my studies since Oct 2014.
State Farm is a well–known national brand, which offers automobile/boat/motorcycle insurance, homeowners insurance, life insurance, business
insurance and a number of other insurance lines. Our office is an independent agency for State Farm, which serves individuals, families and businesses
in the Philadelphia suburbs and, more commonly, across state lines into Delaware and New Jersey. My position in the office isMarketing Assistant. I
worked with the agent to plan and execute marketing strategies, to create marketing targets, to allocate marketing resources among different channels
and to oversee and measure the success of marketing efforts.
Summary of my internship experience ... Show more content on Helpwriting.net ...
One of my daily responsibilities is to find more business opportunities for the office. I did a lot researches and found tremendous potential in the
regions, especially among first–generation immigrants and new arrivals who, while having insurance needs, are not well acquainted with the U.S.
insurance system and how insurance claims and policies work. Among these potentials, we found the big opportunities in Asian–Americans who are
often ignored or overlooked by traditional marketing channels. Specially, all of us in the office are Chinese and we understand more about Asian
culture. Based on the marketing research, we three discussed together to decide the marketing goal: to build the current business into much larger
agency, by identifying, targeting, reaching and offering insurance products to a new generation of insurance customers, with a particular focus on
Asian–Americans in the Philadelphia, New Jersey and Delaware

A State Farm Agent For 25 Plus Years
Isidro Cora Jar has been a State Farm agent for 25 plus years. He is a graduate of Akron University and received his bachelor degree in accounting.
He worked his way through college, working three jobs in order to pay tuition every year. He always believed that working hard and being caring
would be the best pay off in life. Being on his own since the age of eighteen, it taught him a lot that would carry on with him through out the years of
raising a family, life skills and working at State Farm Insurance. When Mr. Cora was a senior in college, a manager approached him from state Farm,
and decided to take advantage of the situation that he felt was best for him. As he entered the sales field, he had to start from the scratch. He wasn't
giving anything to start with, so he had to work dreadful hours, in order to build his cliental to open his first agency office.
State farm was founded in 1929 and is the largest auto insurer in the U.S. since 1942, and one of every five cars on the road is insured with State
Farm. 'State Farm Mutual Automobile Insurance Company is also the parent company of several wholly owned subsidiaries that provide property and
life insurance, banking products and mutual funds'. State farm fire and Casualty Company was formed in 1935 to provide customers property, boat,
homeowners, and commercial line property; It has been the largest insurer of homes since 1964. State Farm began with Michele's original vision to
operate fairly and do the right thing

An Outline Of Joint Funds India Essay
Chapter 3
Company profile This chapter is fanatical for providing theoretical outline of joint funds India. This chapter too offerings the kinds of countless
schemes, advantages and problems and also explicates the applicable terminology. A Mutual fund is a trust that pools the investments of a number of
stakeholders who share a mutual financial aim. The money thus composed is then capitalized in capital market instruments such as shares, debentures
and other securities. The income received through these funds and the capital increases understood are shared by its element holders in amount to the
number of units kept by them. Thus a mutual fund is the most appropriate investment of the common man as it offers a chance to invest in an
expanded, skillfully managed basket of securities at a comparatively low cost. The flow chart below defines largely the working of mutual funds.
MUTUAL FUNDS IN INDIA ABN AMRO Mutual Fund в”‚Birla Sun Life Mutual Fundв”‚Bank of Baroda Mutual Fund (BOB Mutual Fund)в”‚HDFC
Mutual Fundв”‚HSBC Mutual Fundв”‚ING Vysya Mutual Fund в”‚Prudential ICICI Mutual Fundв”‚Sahara Mutual Fund в”‚State Bank of India
Mutual Fund (SBI)в”‚Tata Mutual Fund. The concept of mutual funds in India dates back to the year 1963. The era between 1963 and 1987 marked
the existence of only one mutual fund Company in India with Rs. 67bn assets under management (AUM).by the end of its monopoly era. The Unit
Trust of India (UTI), by the end of the 80s decade,

Super Bowl Ad Analysis Essay
Nationwide Mutual Insurance Company and Preventing Avoidable Accidents Nationwide Mutual Insurance Company's Super Bowl advertisement,
"#makesafehappen" released on February 1st, 2015, has received negative attention because of its morbid yet practical depiction of a young boy who
has passed away due to a "preventable accident" before experiencing the life in which a teen or young adult would otherwise. The advertisement also
uses the death of a young child to appeal to parents; especially the mothers, largely using pathos to raise awareness of deadly accidents which could
otherwise be preventable. Logos and ethos, although weak in this advertisement, also raises awareness on preventing avoidable accidents. Before
discussing ethos, pathos,... Show more content on Helpwriting.net ...
The emotional appeals utilized in the video are both heart–warming and worrisome due to the language and tone the boy uses throughout the
advertisement. The repetition of the phrase, "I'll never get to", creates empathy for the boy through people who were able to accomplish the things the
boy was not due to his "preventable accident". This sympathy for the boy then creates acknowledgment, especially for parents, of the "preventable"
dangers that lurk in the world; bringing about, the success of the "makesafehappen"

Liberty Mutual Contribution Report
Liberty Mutual Hiring Team, I'm excited to be writing you about the opportunites in your claims department. I've worked closely with insurance
representatives and found their function to be key in facilitating coverage for those in need. Liberty Mutual has impressed me with its altruistic pursuits
on a very personal level, by aiding myself and other volunteer fire fighters in the prevention of fires in my community, (Chewelah, Wa). As i've
researched further into LM's contribution report, I've found that LM truely values giving back and it shines true through its tremendous employees
/corporate donations. This inspired my goal– to use the tool of my experience to become a pillar, not only in my team, but as a support for those in
need. This

Human Resource Management : The Field Of Human Resources
Human Resource Management
My desired career is that of a human resource generalist. The field of a human resource generalist is responsible for the recruitment, new employee
orientation, on–boarding and off–boarding, and prepares and maintain employee handbook of the organization's workforce. To obtain a position as a
human resource generalist, employers look for someone with a bachelor's degree in human resource management depending on the amount of
experience, this would get you an entry level position. But to become a top candidate for a human resource position, employers look for someone with
a master's degree. The field of human resources can be broken down into many categories, for example, HR managers, sr. managers, and directors of
human resources. Job growth for HR generalist is expected to grow by 9 percent from 2014 to 2024, making it a fast growing occupation, reports
the U.S. Bureau of Labor Statics with the median annual salary of $104,440 for an HR manager. The reason why I chose this career is that I am very
passionate about working with people in a way they can help themselves. It 's important to find the employees who are the right fit for the job and who
can help improve the success of an organization.
Interviewee
I interviewed Mrs. Renee Stovall, who is the talent advisor at Sentry Insurance Company. Sentry Insurance Company is one of the largest and strongest
mutual insurance companies in the United States. It was founded in 1904 to offer insurance

State Farm 's Mission Statement
State Farm was founded in 1922 by a retired farmer and insurance salesman, George Jacob "G.J." Mecherle. Mecherle's original vision, to operate
fairly and do the right thing for the customers, still guides the company today. What started as a single line auto insurance company, has now grown
to an entity offering nearly 100 products and services to help customers manage today and prepare for tomorrow. Currently, the company handles
nearly 35,000 claims per day, which demonstrates its level of commitment to policyholders. State Farm offers access online and offline through
statefarm.com, or through one of more than 18,000 agent offices nationwide. Over the next few sections, State Farm's mission, culture, and family
of companies will be discussed as a summary of the organization and its achievements. Mission According to JLP (2005), State Farm's mission
statement seeks to display its mission, vision, and shared values. It states: State Farm's mission is to help people manage the risks of everyday life,
recover from the unexpected, and realize their dreams. We are people who make it our business to be like a good neighbor; who built a premier
company by selling and keeping promises through our marketing partnership; who bring diverse talents and experiences to our work of serving the
State Farm customer. Our success is built on a foundation of shared values – quality service and relationships, mutual trust, integrity and financial
strength. Our vision for the future

Indian Mutual Fund Industry Profile Essay
Chapter 1 comprises of introduction to the topic, industry profile of Indian mutual fund, theoretical background of the study and need of the study.
Introduction is talking about what is the project is all about and how it related to the topic. The profile of Indian mutual fund industry includes history,
structure and performance of Indian mutual fund industry etc. Theoretical background of the study talks about structure of the study, and how the
theory is formulated. Need of the study is about which public sector or private sector mutual is better in case of returns.
DEFINITION
The securities and Exchange Board of India (Mutual Funds) Regulation, 1993 defines a mutual fund "a fund established in the form of a trust by a
sponsor, to raise monies by the trustees through the sale of units to the, public, under one or more schemes, for investing in securities in accordance
with these regulations".
In this study the study on the performance evaluation of public and private sector mutual funds in India is carried out through relative performance
index, risk–return analysis, Treynor 's ratio, Sharp 's ratio, Jensen 's measure. The data used is daily closing NAVs. The source of data is website of
Association of Mutual Funds in India (AMFI). The results of performance measures suggest that most of the mutual fund have given positive return
during 2013 to 2015. The financial system includes of financial institutions, instruments and markets that deliver an active

The Investors Behavior Towards Mutual Fund Essay
A
SUMMER INTERNSHIP PROJECT
ON
"To study the Investors Behaviour towards Mutual Fund in surat city"
Submitted to
S.R. LUTHRA INSTITUTE OF MANAGEMENT
IN PARTIAL FULFILLMENT OF THE
REQUIREMENT OF THE AWARD FOR THE DEGREE OF
MASTER OF BUSINESS ADMINISTRATION
In
Gujarat Technological University
UNDER THE GUIDANCE OF
Faculty Guide:Company Guide:
Mr. Paresh DaveMr.Jignesh Madhvani
(Asst. Professor)Internal Trainer (Torin Wealth Management.)

Submitted by
Mr. ATMIYA J. PATEL [Batch No. 2014
–16, Enrollment No.148050592045]
MBA SEMESTER III
S.R. LUTHRA INSTITUTE OF MANAGEMENT – 805
MBA PROGRAMME
Affiliated to Gujarat Technological University
Ahmedabad
August, 2015 Student's Declaration
I, Mr. Atmiya J. Patel, hereby declare that the report for Summer Internship Project entitled "To Study the Investors Behaviour towardsMutual Fund in
surat city" is a result of my own work and my indebtedness to other work publications, references, if any, have been duly acknowledged.
Place: Surat
Date: _____________
__________________
(Atmiya J. Patel) Institute's Certificate
Certifiedthat this Summer Internship Project Report Titled "
To Study the Investors Behaviour towards Mutual Fund in surat city" is the bonafide work of Mr. Atmiya J. Patel (Enrollment No.148050592045),
who has carried out the research under my supervision. I also certify further, that to the best of my knowledge the work reported herein does not form
part of

State Farm Insurance: Edward B. Rust Jr.
My topic is on the Chief Executive Officer of State Farm Insurance, Edward B. Rust Jr.
Like his grandfather and father before him, Edward B. Rust Jr. became the chairman and chief executive officer of State Farm Insurance Companies.
Having been associated with the company his entire life, Rust was well rounded in the mutual insurer 's corporate culture, which placed a great deal of
emphasis on serving policyholders, who were the legal owners of the company, and avoiding spending money unnecessarily. However, despite a
lifelong association with State Farm, Rust maintained that growing up in the Midwest and learning rural values provided a moral foundation that
would become more important to his achieving success as a chief executive. One ... Show more content on Helpwriting.net ...
Rust 's personal commitment to education was also evident in his willingness to serve as a trustee and adviser to Illinois Wesleyan University, the
University of Illinois, and Stanford University as well as serving as the cochairman of the Business Coalition for Excellence in Education and on
President Bush 's transition team covering educational issues.
A message from Mr. Rust, "Every day each of us makes choices where integrity, honesty, and trustworthiness come into play. These are
hard–to–measure qualities, but they 're priceless when it comes to customer confidence in what we do and how we do it.
It 's important that we know this about each other and that our customers know this about us: At State Farm, we do not just do what 's legal, but also
right."
Mr. Rust has been Chairman of the Board and Chief Executive Officer of State Farm Insurance Companies since 1987. State Farm Insurance is the
largest insurer of automobiles and homes in the United States. Along with being the largest insurance agency they are an extremely philanthropic
company. Even with all of Mr. Rust's success, he takes time to help others succeed. He is obviously a great and caring leader.
Reference List
France, Mike, "Father Knew Best–and So Did Grandfather," BusinessWeek, November 8, 1999, p. 142.
France, Mike, and Andrew Osterland, "State

A Lecture About Salary Package And Investment
This week, we have a great honor to have Cass Chappell giving a lecture about salary package and investment. Mr. Chappell, who is skilled in
financial planning, investment services, and insurance, is the CFP of Chappell Financial Group. Before this class, I have never thought about
investing and other factors in the salary package. One reason is I am new here, and the other reason is I have never thought about retirement. No one
has ever told me or talked with me about investing in retirement. I have learnt a lot from this class. Mr. Chappell told us stock is an excellent way to
get money from one company, because it means the ownership of the company. However, it is also risky for an employee holding stock from his or her
company. Bonds are much safer investment for people. As for mutual funds, it is one of the most exciting investments. Mutual funds have different
focuses and ranges, and small companies have more risks than big companies. If you are sure about your retirement date, you can invest mutual funds
related to that specific date in the future. One of the biggest take–away for me is three baskets. I did not know any of them or their factors. The first
basket is called "Regular". No option limitation or minimum limitation for this choice. People who invest this basket can pull out their money at any
time. Moreover, they do not need to pay tax. The second basket is "Roth". It does not have option limitation, but you have to put at least $5,500 in your
accounts. In

Indian Mutual Fund Industry: Challenges and Future Prospects
INDIAN MUTUAL FUND INDUSTRY: CHALLENGES AND FUTURE PROSPECTS Ms.Renu Introduction India has been the fastest growing
markets for mutual fund industry. With progressive liberalization of economic policies, there has been rapid growth of capital market, money market and
financial services Industry including merchant banking, leasing and venture capital (Tripathy, 1996). The increasing globalization of financial groups,
rapid spread of ... Show more content on Helpwriting.net ...
21,805 crores.
Fourth Phase (Since February 2003): Following the repeal of UTI ACT 1963, it was bifurcated into two separate entities in February 2003. One is the
specified undertaking of UTI, functioning under rules framed by government of India. Hence does not come under the purview of mutual fund
regulations. The second undertaking, UTI Mutual Fund Ltd, (registered with SEBI) ; was sponsored by State Bank of India, Punjab National Bank,
Bank of Baroda and Life Insurance Corporation. It functions under the mutual fund regulations and at the end of January 2003 had assets under
management worth Rs. 29,835 crore.
Benefits of Mutual Fund Investment
Mutual fund investors enjoy the benefits of portfolio diversification, professional management at low cost and greater transparency compared to other
financial institutions, such as banks, thrifts, insurance companies and pension funds.
Diversification: Investor can diversify his portfolio through mutual funds without requiring large amount of funds as mutual funds invest in a number
of companies across different sectors and industries. It also helps him in spreading the risk over a range of securities. So the diversification reduces
the risk as all the stocks do not decline at the same time and in the same proportion.
Professional Management: Investment in mutual funds also enables the investors to reap the benefits of professional management. Mutual fund team
includes the

Investing and How to Make Money
Question 1: Do you prefer investing your money in financial markets?
INTERPRETATION:
Out of 60 respondents, 80% respondents prefer investing money in financial markets. This is because investors are having sufficient knowledge about
the market. Some of the other reasons behind it are as follows:
пѓјTransparency in the market
пѓјInvestors protection
пѓјMore chance of earnings
Question 2: Do you think Indian financial market will show a progressive trend in future?
INTERPRETATION:
In this pie chart, 75% of the respondents say that they see Indian financial market very progressive in future, while 20% of the respondents feel that the
market is not favourable. Rests 5% stand neutral.
This is because growth rate of the economy is being increasing and showing a positive way to investor for their investment in the financial market.
Question 3: Which investment option would you prefer for investing your money?
INTERPRETATION:
In this case, out of 60 respondents 65% prefer to invest in mutual funds. The response to mutual fund is very positive because it has high awareness and
investor feel it as secured and assured investment.
ULIP's have 25% response, this is due to the fact of lack of awareness among the investors, and moreover it has a lock in period of 5 years.
There are some investors who opted for others; it includes investing in stocks, government securities, corporate bonds, post office savings etc.
Because of lack of awareness

Asset Value Of A Mutual Fund Essay
A mutual fund is one of the investment programs that is a pool of funds from many investors, and trade in securities such as diversified holdings,
stocks, bonds, mortgages, money market instruments, other securities etc... Professional portfolio managers use the money from the investors to buy
securities to meet the funds investment objectives. Investors own units that represent a proportionate share of all of mutual funds assets. Net asset
value per unit (NAVPU) is used to process the price for the individual unit of themutual fund. Net asset value will change is due to the fluctuation (rise
or fall) in the market value of the asset held by the funds.
Mutual funds are under securities regulations. The Mutual Fund Dealers Associations of Canada is national self regulatory organization in the
Canadian mutual fund industry. The MFDA regulates and oversights the business conducts of its members, and their representatives to protect the
investors and reinforce public confidence in mutual fund industry.
The advantages of the Mutual funds are professionally managed by portfolio management, and attempt to generate income such as capital gains on
sales, dividends on stocks or interest on bonds for the investors. Most of Investors purchase in mutual funds due to the lack of time or expertise to
manage their own portfolios. Investing in a mutual fund is a relatively inexpensive to a small investor to get a full–time portfolio manager to control or
monitor their investments.

9.Investors' Perception About Mutual Fund. Financial Markets
9. Investors ' Perception about Mutual Fund Financial markets are constantly becoming more efficient by providing more promising solutions to the
investors. Being a part of financial markets although mutual funds industry is responding very fast by understanding the dynamics of investor's
perception towards rewards, still they are continuously following this race in their endeavor to differentiate their products responding to sudden
changes in the economy. Thus, it is high time to understand and analyse investor's perception and expectations, and unveil some extremely valuable
information to support financial decision making of mutual funds. Financial markets are becoming more exhaustive with financial products seeking
new innovations... Show more content on Helpwriting.net ...
Fallowing table describes the data of whether investor on the basis of two demographic fields 1. Age of respondent and 2. Occupation of respondent.
Coding used in study The data collected through primary survey is used for statistical analysis after allotment of coding for bringing results lucid and
understandable for readers. The codes so used are hereunder. Table 9.1 Codes applied in study CodeOccupationResponses %CodeAgeResponses %
O1Salaried298 (59.6 %)A1Between 20–3090 (18 %) O2Businessman/ Self Employed95 (19 %)A2Between 31–40167 (33.4 %) O3Retired72 (14.4
%)A3Between 41–50104 (20.8 %) O4Student9 (1.8 %)A4Between 51–6065 (13 %) O5House Wife26 (5.2 %)A5More Than 6074 (14.8 %) Total500
(100 %)500 (100 %) Table 9.2 Distribution of sample units Age–wise age of investorTotal A1A2A3A4A5Whether investorYES65121665160363
NO2546381414137 Total901671046574500 From the above table 9.2 it conclude that highest number of investor comes under the age group of 31–40
years, A2 = 121 this is may be because of recent developments during post recession in share markets and mutual funds showed some what stagnant
performance in negative trend of market . Table 9.3 Distribution of sample units occupation–wise Occupation of investorTotal O1O2O3O4

Why Do Money Earn More Money For You?
Why manage Wealth? It's your hard earned money, why not manage it? Why shouldn't your money earn more money for you? Well these questions
would certainly seem obvious to you, but are these not what are the questions that matter a lot as you grow old? Of course this is a materialistic
world where money has gained a whole lot of value and for one's sustenance and better livelihood one desires for more and more wealth. For the
purpose of generating huge wealth we need to manage our money in an efficient way and that is where Portfolio Management comes into play.
Portfolio could be termed as a mixture of various outlays of investment done by you, or in short "Asset Allocation". What is an ideal Portfolio? This is
a very common question asked... Show more content on Helpwriting.net ...
growing your wealth, managing your wealth and protecting your wealth. Growing your wealth is a necessary step for affecting the other two
aspects, for which it is required to follow a strict and disciplined investment approach on the basis of your risk taking ability. First of all you need
to figure out what your needs are in accordance with time. This will help you invest in a better way to fulfil these needs. Managing your wealth is as
important as growing your wealth, otherwise growth chart can take a reverse movement at any time. Thus, managing your wealth by the way of
evaluating your portfolio on a periodical basis is very important, along with studying about the sectors in which you have made investment by the way
of performance updates, report analysis. Earning is not just for the sake of today, but also for tomorrow, for you and your family. This is where the
third aspect of Portfolio Management comes into play–protecting your wealth. Growing and managing would give you enough of wealth but these are
like waves, coming and going back, or say ups and downs. Thus, to gain maximum out of it we need to protect it by the means of risk management,
diversification, hedging or insurance. All three, growing, managing and protecting your wealth, when integrated and made a portfolio out of the same,
will surely be a successful one, tapping out huge earnings potential. As discussed Portfolio Management is "Asset Allocation" and when this allocation
is done

A Brief Note On Northwestern Mutual And Financial Planning
On May 31, I began working for Northwestern Mutual in downtown Nashville. Northwestern Mutual is a Fortune 500 life insurance and financial
planning company. Since then, my title hasn't just been intern or college intern and I wasn't just doing busy work or making copies for people.
Northwestern Mutual treats their college interns as full time representatives with all of the daily jobs and responsibilities that full time employees
handle. Northwestern gave me the title Financial Representative and sent me on my way to make a difference in peoples' lives by giving them the
opportunity to gain financial security through live insurance and financial planning.
Being a Financial Representative with Northwestern Mutual has been a very ... Show more content on Helpwriting.net ...
Talk about an encouraging and reassuring first day after being so scared!
A typical work day during this program looks something like this: get to the office around 7:00 AM, start dialing at 9:00 AM, and then from 10:00
AM on is when meetings are set up to meet with potential clients. Every day I had to wake up and call 30–40 people and repeat my sales language
over and over again to try to get them to meet with me. Of those 30–40 people per day, only about 10–15 would answer and about 3–5 would actually
say yes to setting up a meeting with me. Once I met with the people who agreed to meet with me, I would complete a something called a Fact
Finder on them. Basically, a Fact Finder is a booklet of questions that I ask to get to know the clients professional, personal and financial goals
along with their current finances. At the end of the Fact Finder, is when you talk about what services that you offer and how those services can help
that person based on the information that was talked about in the Fact Finder. Since May 31, I was able to write six lives on two couples and a
young adult. That is when the rewarding part occurs. It is an indescribable feeling to know that you just covered a family and that now they are safer
because of you and your hard work. This job is not about instant gratification in any way. You could meet with the same

The Five Excellent Investment Characteristics
Five Excellent Investment Characteristics By Keith Tufte | Submitted On September 22, 2014 Recommend Article Article Comments Print Article
Share this article on Facebook 1 Share this article on Twitter 1 Share this article on Google+ 1 Share this article on Linkedin 1 Share this article on
StumbleUpon 1 Share this article on Delicious 1 Share this article on Digg 1 Share this article on Reddit 1 Share this article on Pinterest 1 Expert
Author Keith Tufte We favor investments that are low cost, tax efficient, diversified, liquid, and simple. Many investors often run into trouble when
they invest in things that do not have these five characteristics. Investments with these five characteristics have been profitable over time, but typically
are not very exciting. There is generally not a "hot story that you need to act on now!" associated with them. The financial services industry generally
does not favor these type of investments because they generate very little profit from them. We are in the business of helping to maximize the wealth of
our clients, not the financial services industry. Keep in mind that this list of investment characteristics is not comprehensive. Other factors to look for
in investments might include attractive valuation, low correlation to your other holdings, a nice dividend yield or interest income, a tilt towards areas
of the market that have produced higher returns such as value stocks, an appropriate risk level for you, etc. Low Cost. We

Ethics in Business Essay
Introduction
Ethics in business is important of everyday moral and ethical norms to business. Perhaps, the Ten Commandments from Bible come to mind as an
example of morality that still used by many today. These commandments carry concept of being truthful and honest, and try to stay away from theft
and greed. An idea of stewardship can be found in the Bible as well as many other religious literatures that can be and have been applied to business.
Beside religion, philosophy also carries similar ethical traditions. For example, Plato's main theme of Republic is justice, and Aristotle in his Politics
cares model of economic relations, business and trade. Today, Business Ethics is the conduct that businesses carry in... Show more content on
Helpwriting.net ...
FACTs of WA
–MU
Washington Mutual Bank, aka WA–MU, was organized in September 1889 to help provide funds for rebuilding Seattle after the great fire. Washington
Mutual became the largest thrift in the US, and one of its largest banks. From that beginning, Washington Mutual has grown into financial services
company that offered services in mortgages, credit cards and retail landings. "But if its rise was storied, its fall was spectacular, ending in the largest
bank failure in American history to date" (The New York Times, 2010). Sadly, Washington Mutual Bank, or WA
–MU, was seized on Thursday,
September 25, 2008.
In April 21, 1982, Washington Mutual acquired Murphey Favre, Inc. and Composite Research & Management Co. WA
–MU decided to keep on the
firm's executive vice president, Kerry K. Killinger. Kerry was elevated to the position of president in 1988 and chief executive officer in 1990 (The
New York Times, 2010). Kerry's leadership brought new strategies to the company. According to The New York Times (2010), in July 1996, Mr.
Killinger engineered the purchase of the 158–branch California–based American Savings Bank, a $1.4 billion deal that nearly doubled the size of
Washington Mutual, instantly making it the third largest American savings and loan.
Financial centers were redesigned, exchanging the traditional banking atmosphere for that of a department

Mutual Funds Essay
Available ONLINE www.vsrdjournals.com
VSRD–IJBMR, Vol. 2 (4), 2012, 167–178
RESEARCH COMMUNICATION RESEARCH COMMUNICATION
A Study of Opportunities and Challenges for Mutual Fund in India : Vision 2020
1
Sarish*
ABSTRACT
In this paper, I have undertaken a study on mutual funds. The mutual fund sectors are one of the fastest growing sectors in Indian Economy and have
awesome potential for sustained future growth. Mutual funds make saving and investing simple, accessible, and affordable. The advantages of mutual
funds include professional management, diversification, variety, liquidity, affordability, convenience, and ease of recordkeeping
–as well as strict
government regulation and full disclosure. The Mutual Funds ... Show more content on Helpwriting.net ...
Investor plans for long horizon after considering the fundamental factors and assumes moderate risk. The main objectives of rational investors are
maximizing returns and minimizing risk, safety of the principal, tradability and liquidity are his subsidiary objectives. Financial instruments can be
categorized by form depending on whether they are cash instruments or derivative
instruments: Cash instruments are financial instruments whose value is determined directly by markets. They can be divided into securities, which are
readily transferable, and other cash instruments such as loans and deposits, where both borrower and lender have to agree on a transfer. Derivative
instruments are financial instruments which derive their value from the value and characteristics of one or more underlying entities such as an asset,
index, or interest rate. They can be divided into exchangetraded derivatives and over–the–counter (OTC) derivatives. Alternatively, financial
instruments can be categorized by "asset class" depending on whether they are equity based (reflecting ownership of the issuing entity) or debt based
(reflecting a loan the investor has made to the issuing entity). If it is debt, it can be further categorized into short term (less than one year) or long term.
Foreign Exchange instruments and transactions are neither debt nor equity based and belong in their own category. A legal document such as a

Analysis Of Raghu Nandan 's Understanding Of An Intrapreneur
Intrapreneurial
Intrapreneurial Opportunities are key components for companies actively involved in new strategic planning as they seek success in the near future.
Raghu Nandan's understanding of an intrapreneur is an individual or a group of individuals that work for a large company that take internal ideas and
visions within a company and configures them into a higher gross profit for a company (Nandan, 2009). An intrapreneur is similar to an entrepreneur
with the concept of a business idea that is created with innovation and designed to generate a revenue stream but the only difference is that and
entrepreneur doesn't operate under a large company.
Customer Reach
By performing a PEST analysis on State Farm insurance, it is clear that the auto insurance industry in New York is operating under many laws and
restrictions when viewed from a political perspective. Since State Farm is a financial service, there is no physical product that is being created and
manufactured. Financial service can be difficult to market because there is no product and discussed in the social element of the PEST analysis,
insurance companies don't always have a good reputation. It is import for intrapreneurs to develop excellent marketing and advertisements that will
attracted many customers with intentions of company expansion. With advertisement in this industry, there should be many targeted markets. A great
example of State Farm taking advantage of its intrapreneurial opportunities is

Advantages And Disadvantages Of Mutual Fund
1.1Introduction of financial market:
High return and high risk are correlated to each other and the same can be applied in financial market. In financial matters, the term market implies the
total of purchasers and vendors and the exchanges between them. A financial market is a market where the participant's sale and purchase financial
securities, commodities and other negotiable items of value at a pre–determined price derived from demand and supply mechanism.
Figure.1.1: Financial Market Components
The financial markets have basically two major components:
1)Capital market
2)Money market.
Capital Market is a market where long term securities are traded. It is a place from where the business sector will fulfill its demand for long ... Show
more content on Helpwriting.net ...
Every investment company appoints a fund manager who invests the money in different investment opportunities. These could run from shares to
debentures to currency market instruments, contingent on the plan's expressed targets. The income earned through these investments and the capital
appreciation acknowledged by the plan is shared by its unit holders in extent to the quantity of units claimed by them. Therefore a Mutual Fund is the
most appropriate investment for the investor as it offers a chance to put resources into an enhanced, professionally managed basket of securities at a
moderately low cost. Mutual fund schemes are offered on the basis of structure and investment objectives.
a)Structure based schemes:
i)Open–Ended Schemes: These schemes do not have a fixed maturity period. Under this an investor can buy and sell the units at any point of time. The
main feature of this scheme is liquidity which enables the investor to invest and redeem units at any point of time in the scheme. ii) Close–Ended
Schemes: The schemes have a fixed maturity of say 2 to 15 years. One can directly buy the investment in the scheme at the time of issue and thereafter
sell the units of the scheme on the stock exchange where they are listed. The units of these scheme were redeemed at NAV (Net Asset

Journal of Accounting and Economics
Journal of Accounting and Economics 35 (2003) 347–376 Management of the loss reserve accrual and the distribution of earnings in the
property–casualty insurance industry$ William H. Beaver, Maureen F. McNichols, Karen K. Nelson* Department of Accounting, Graduate School of
Business, Stanford University, Stanford, CA 94305, USA Received 2 March 2002; received in revised form 14 January 2003; accepted 27 January
2003 Abstract We document that property–casualty insurers with small positive earnings understate loss reserves relative to insurers with small
negative earnings. Furthermore, loss reserves are managed across the entire distribution of earnings, with the most income–increasing reserve accruals
reported by small proп¬Ѓt п¬Ѓrms,... Show more content on Helpwriting.net ...
We also provide evidence on management's exercise of discretion over the entire earnings distribution rather than only in the area immediately around
zero. The magnitude and frequency of earnings management is of signiп¬Ѓcant interest to standard setters and regulators, but existing research
provides little relevant evidence (Healy and Wahlen, 1999; Dechow and Skinner, 2000). Our analysis indicates that earnings management occurs across
the entire distribution of reported earnings, with earnings management by small proп¬Ѓt п¬Ѓrms accounting for only a fraction of total earnings
management activity. Speciп¬Ѓcally, we п¬Ѓnd that the least proп¬Ѓtable п¬Ѓrms understate reserves relative to the most proп¬Ѓtable п¬Ѓrms. This
evidence is consistent with P&C п¬Ѓrms managing loss reserves to smooth earnings rather than to take an earnings ''bath.'' Our second research
objective is to examine the effect of ownership form and п¬Ѓnancial condition on management of the loss reserve accrual and the distribution of
earnings. Because the extent of owner–manager and owner–policyholder conп¬‚icts varies across public, private, and mutual insurers (Mayers and
Smith, 1988, 1994), incentives to manage earnings are also likely to vary.1 For public and mutual insurers, we п¬Ѓnd that small proп¬Ѓt п¬Ѓrms
signiп¬Ѓcantly understate loss reserves relative Concurrent research by Beatty et al. (2002) examines whether there is a discontinuity in the
distribution of earnings changes for public and private banks. 1 W.H.

Notes On Bank Investment Management Services Ltd Essay
A. UTI Asset management company (P) ltd B. Bank sponsored BoB asset management companyltd Can bank investment management services ltd PNB
asset management company ltd SBI funds management company ltd C. Institutions GIC asset management company ltdIDBI principal asset
management co ltdIL&FS asset management co ltdJeevan bima sahayoge asset management co ltd D. Private sector 1. Indian Benchmark asset
management co ltdCholamandalam asset management co ltd Escort asset management co ltd JM capital management ltd Kotak Mahindra asset
management ltd Sundaram asset management co ltd Reliance capital asset management ltd 2. Joint ventures – Pre dominantly Indian Burlap sun life
insurance management co ltd Credit capital asset management co ltd DSP Merrill Lynch fund manager pvt ltd First Indian management co ltd Tata TD
water house asset management pvt ltd HDFC asset management pvt ltd 3. Joint ventures – Pre dominantly Foreign Alliance capital asset management
(India) pvt ltd Deut she asset management (India) pvt ltd Dundee investment management research pvt ltd HSBC asset management (India) pvt ltd ING
investment management (India) pvt ltd Morgan Stanley investment management pvt ltd Prudential ICICI management co ltd Standard Chartered asset
management co pvt ltd Sun F & C asset management (India) pvt ltd Templeton asset Management (India) pvt ltd Zurich Asset management company

The Case For Scam An Insurance Company By Staging...
Holmes decides to convince Pitezel to take out a very large life insurance policy to scam an insurance company by staging Pitezel's death and
substituting another corpse in his place, which he assured Pitezel he would had no trouble getting ahold of. In all reality, this was Holmes' way of
getting out of the predicament he had put himself in by trusting someone too much. In November of 1893, Holmes and Pitezel leave Chicago to
travel across the country and commit frauds along the way. In July of 1894, Holmes attempts to swindle another pharmacy in Saint Louis, Missouri,
just as he had done when he first got to Chicago. This time, on the other hand, it does not work out for Holmes. Holmes, for the first time ever in his
criminal career, he is behind bars. While in jail, he meets Marion Hedgepeth, whom he shared a jail cell with. Holmes shares the insurance swindle plan
with Hedgepeth, who "gave Holmes the name of a twisted attorney that could put over an insurance swindle" (Hounded to death by ghosts of the castle
he built, 1914, p. 19, col. 1–7). Holmes promises Hedgepeth five hundred dollars for the hook up with the attorney if the attorney can make the plan
happen. Holmes ends up being bailed out of prison by his third wife, Georgianna Yoke, after Holmes told her false reasons why he was arrested in
the first place. Once again, Holmes has received another lucky charm where he could have been in jail for much longer, and perhaps put away forever.
Several weeks later,

Mutual Insurance Company Of Iowa
Mutual Insurance Company of Iowa The Mutual Insurance Company of Iowa (MICI) has an office in Des Moines, Iowa that is responsible for the
processing of their insurance claims (Heizer & Render, 2014). The company sales have grown at a rapid rate, and the volume of claims has as well.
However, due to the limited workforce, facility constraints, and administrative procedures, the outflow of claims is substantially less than the inflow.
It presents a major issue because the claim processing time has been significantly increased. It has created customer dissatisfaction on a large level
and prompted many to take legal action against the company. Facts Ms. Cook realizes there is no simple solution to this situation, but recognizes that
something must be done to fix this overwhelmed system (Heizer & Render, 2014). She decided to follow the Just In Time (JIT) approach for its
economic benefits and quality of work. It was facilitated through the part–time employees that were brought in to clear the backlogs. JIT is an
inventory strategy companies employ to increase efficiency and decrease waste by receiving goods only as they are needed in the production process,
thereby reducing inventory costs (Investopedia, n.d.). The claim processing team was provided with training for JIT strategy, and their jobs were
redesigned to improve the quality their work. The training consisted of claim processing, data entry, and cross–functions were given for quick and
enhanced work quality. Issue

Advantages And Disadvantages Of Hedge Fund
Since investors cannot invest in a gauge of the hedge fund universe, it is crucial to focus on the performance of individual funds. Do individual hedge
funds beat the market? Do they outperform mutual funds? Academic literature on the performance on hedge funds does not provide a clear answer as
to whether hedge funds outperform the market. Moreover, there are a number of challenges facing researchers wanting to explore this issue. Firstly,
due to hedge fund's unregulated nature, unbiased data is hard to retrieve since only a small number of hedge funds disclose their performance
voluntarily. This problem is referred to as the survivorship bias and refers to how the data available to researchers might be skewed since only well
performing hedge funds have the incentive to voluntarily declare their earnings. Therefore, the data available will be missing those hedge funds that
have been shut down or liquidated (Ackerman, McEnally and Ravenscraft, 1999).The range of ... Show more content on Helpwriting.net ...
Hedge funds may have strategies that yield payoffs similar to those of a company which sells earthquake insurance; most of the time the insurance
company makes no payouts on its insurance policies and has a nice profit, but from time to time disaster comes and the insurance company makes
large losses that may exceed its accumulative profits from good times. Though investors in an insurance company know that it sells earthquake
insurance, investors in hedge funds may find it impossible to assess that the hedge fund takes the risk of large losses before these losses have
materialized. The general argument is that looking at past performance does not guarantee constant future return because it may seem that a hedge fund
has low volatility but at the same time there is a high probability the fund may lose all its assets at once (Stulz,

I Want To Be A Teacher In High School
I.Job I want to be a teacher in high school. This idea has come from my mother and seeing my teachers. A teacher seemed so interesting and it's
something that I've wanted to do. I also want to have the thousand days off because I want to have a good amount of myself. I want to work in
California since it is convenient for me and for my family. On the other hand, I do want to be a good distance away from them. Its one of those that I
want to be both far away from my family and simultaneously in the same state away. I might work at San Marcos High School because it is close to
where I want to go to for college. The college is California State University, San Marcos. I want to have a focus on history because it is my favorite
subject. The spark came from two of my favorite history teachers in all of my years at the school. They were my eighth–grade teacher and junior year
history teacher. They were teachers that just didn't lecture for hours on end. Both of them made learning about history really fun and I want to
continue what they do. I expect to have to get a bachelor's degree or better in history and other courses since I want to be a history teacher. I would also
need to have a degree in teaching and pass its state's exam for teaching if need be. Some states include a teacher's program in with the learning that I
do at college. The salary for a starting a high school teacher in the Golden State of California is $46,060. The FICA amount I would pay is $3,524. My

State Farm Insurance Is Based Out Of Bloomington, Illinois
State Farm Insurance (n/a)
State Farm insurance is based out of Bloomington, Illinois, where the company was foundered 94 years ago, in 1922. It has since expanded,
becoming the industry leader for both home and auto insurance in the USA, with over 65,000 employees, and according to Nerd Wallet the company
held 18.7% of the market share in 2014. In addition to their insurance services State Farm also offers a range of other financial services. Also foundered
in 1922, United Services Automobile Association (USAA) specializes in insurance but offers other financial services to their clients. The
company came about when a group of soldiers decided to insure each other's automobiles. There was no looking back from there, the company
now owns 5.2% of the market share in what is considered a crowded market place. According to their website, "The State Farm mission is to help
people manage the risks of everyday life, recover from the unexpected, and realize their dreams." The website goes on to state the values and vision
of the company that makes their mission come to life. These values and vision are, "We are people who make it our business to be like a good
neighbor; who built a premier company by selling and keeping promises through our marketing partnership; who bring diverse talents and experiences
to our work of serving the State Farm customer. Our success is built on a foundation of shared values – quality service and relationships, mutual trust,
integrity and financial

The First Mutual Insurance Company
Benjamin Franklin helped to establish in 1752, what it would be the first mutual insurance company. For many years, the United States government
never considered necessary to incorporate a system that would compensate their citizens in case any injury, accident or loss happen to them. It wasn't
until 1735 the first underwrote fire insurance company was created; in Charleston, South Carolina. Underwrite insurance companies are the ones, that
analyze all the risk of insuring a particular person or asset and uses that information to set a premium pricing for insurance policies. But it took 20 years
to create the first mutual insurance company, one in which policyholders would come together to share the risk.
The Philadelphia Contributionship, the nation's oldest successful property insurance company. Insurance companies offered safety to their customer
that's why a lot of people subscribed as soon as the Philadelphia Contributionship opened. Now–a–days there are hundreds of insurance companies and
they all cover different aspects of our daily lives. One of the most successful insurance companies in the United States is State Farm.
State Farm was founded in 1922 by a retired farmer George J Mecherle. At first this insurance company specialized only in auto insurance for farmers.
Many years after this company started to expend their services and start offering life insurance and home owner's insurance, in addition to banking and
financial services. This company started to

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