The document discusses various risks in retirement planning such as longevity risk, market volatility, inflation, and sequencing of returns. It provides simulations showing the probability of different portfolio allocations meeting income needs over a 25-year retirement and the likelihood of funds lasting to different ages. The key risks retirees face include running out of money, healthcare costs, and inflation eroding purchasing power. Managing these risks requires intelligent diversification among stocks, bonds, and funds.
AMI Perspective On Current Economic Crisis March 09jbenedict3
The document provides an overview of the current economic crisis from the perspective of AMI Investment Management. It discusses [1] how the crisis developed from the boom brought on by low interest rates and easy credit conditions, leading to overindebtedness; [2] the state of overindebtedness among households, firms, and governments; and [3] how the crisis unfolded as default rates rose and asset prices fell, destabilizing the financial system. It examines events like the Bear Stearns and AIG bailouts and the passage of TARP. The document considers where the economy and markets may be headed as the massive deleveraging process continues.
This document appears to be a presentation given by Michael D. Fraizer, the Chairman and CEO of Genworth Financial, at the UBS Global Insurance Conference on June 26, 2008. The presentation discusses Genworth's financial performance, strategy, priorities for 2008, and provides an overview of its U.S. mortgage insurance business which is facing challenges from the difficult environment. Specifically, it notes Genworth's operating EPS for 2007 was $3.07 and is expected to be in the range of $2.25 to $2.65 for 2008 reflecting the impact of losses in its U.S. mortgage insurance business. However, the presentation outlines levers to drive future growth and shareholder value as Genworth repositions its
Russell Investments provides a forecast for the US economy in 2013. They predict a 65% probability of a modest recovery with growth near 2.0% and inflation staying near the Fed's 2% target. Unemployment is forecast to be 7.3% by the end of 2013. Political risks from fiscal policy decisions could impact markets. The recovery faces challenges from the ongoing recession in Europe and China's economic rebalancing.
This document provides an overview of planning for retirement. It discusses defining retirement dreams and developing a retirement plan, including estimating expenses, identifying future income sources, and ensuring adequate savings. The document emphasizes balancing security, enjoyment, and reducing risks through proper planning. It encourages the reader to take action now by scheduling a consultation to discuss financial planning concepts.
If you’re like many Americans, you’ve been setting aside money for your retirement. Now that you’re nearing retirement age, it may soon be time to start drawing money from your qualified retirement plans. When it comes to taking distributions, you face a number of important decisions, including which money to use first.
- Genworth's U.S. mortgage insurance portfolio has a lower risk profile than industry peers based on factors such as lower concentrations of loans with FICO scores < 620, interest-only loans, and loans in California and Florida.
- Genworth's delinquency and default rates are lower than industry rates across vintages from 2004 to 2007, with the exception of some higher default rates in the 2007 policy year, which is still early.
- Within Genworth's portfolio, delinquency and default rates increase as FICO scores decrease, and are higher for adjustable rate mortgages, loans with loan-to-value ratios over 95%, and Alt-A loans.
1) GE expects earnings of around $18 billion in 2008, below its previous forecast, but above the S&P 500's performance.
2) For 2009, GE projects Industrial segment growth of 0-5%, Financial Services earnings of around $5 billion, and flat performance for Corporate/C&I.
3) GE will maintain its $1.24 per share dividend for 2009 and expects long-term earnings growth to return to 10% after the recession ends.
Yield vs. Liquidity in Income Producing InvestmentsDavid Wrubel
This document discusses the balancing act between investing for yield and liquidity in income-producing investments. It notes that traditional fixed income investments like treasuries, corporate bonds, and dividends currently offer very low yields. As an alternative, it proposes net lease real estate funds that invest in properties leased to investment-grade companies. These funds aim to provide higher, predictable yields while taking on bond-like risk due to the quality of the tenants and long-term leases. The document argues this can offer superior risk-adjusted returns compared to more liquid but lower-yielding options.
AMI Perspective On Current Economic Crisis March 09jbenedict3
The document provides an overview of the current economic crisis from the perspective of AMI Investment Management. It discusses [1] how the crisis developed from the boom brought on by low interest rates and easy credit conditions, leading to overindebtedness; [2] the state of overindebtedness among households, firms, and governments; and [3] how the crisis unfolded as default rates rose and asset prices fell, destabilizing the financial system. It examines events like the Bear Stearns and AIG bailouts and the passage of TARP. The document considers where the economy and markets may be headed as the massive deleveraging process continues.
This document appears to be a presentation given by Michael D. Fraizer, the Chairman and CEO of Genworth Financial, at the UBS Global Insurance Conference on June 26, 2008. The presentation discusses Genworth's financial performance, strategy, priorities for 2008, and provides an overview of its U.S. mortgage insurance business which is facing challenges from the difficult environment. Specifically, it notes Genworth's operating EPS for 2007 was $3.07 and is expected to be in the range of $2.25 to $2.65 for 2008 reflecting the impact of losses in its U.S. mortgage insurance business. However, the presentation outlines levers to drive future growth and shareholder value as Genworth repositions its
Russell Investments provides a forecast for the US economy in 2013. They predict a 65% probability of a modest recovery with growth near 2.0% and inflation staying near the Fed's 2% target. Unemployment is forecast to be 7.3% by the end of 2013. Political risks from fiscal policy decisions could impact markets. The recovery faces challenges from the ongoing recession in Europe and China's economic rebalancing.
This document provides an overview of planning for retirement. It discusses defining retirement dreams and developing a retirement plan, including estimating expenses, identifying future income sources, and ensuring adequate savings. The document emphasizes balancing security, enjoyment, and reducing risks through proper planning. It encourages the reader to take action now by scheduling a consultation to discuss financial planning concepts.
If you’re like many Americans, you’ve been setting aside money for your retirement. Now that you’re nearing retirement age, it may soon be time to start drawing money from your qualified retirement plans. When it comes to taking distributions, you face a number of important decisions, including which money to use first.
- Genworth's U.S. mortgage insurance portfolio has a lower risk profile than industry peers based on factors such as lower concentrations of loans with FICO scores < 620, interest-only loans, and loans in California and Florida.
- Genworth's delinquency and default rates are lower than industry rates across vintages from 2004 to 2007, with the exception of some higher default rates in the 2007 policy year, which is still early.
- Within Genworth's portfolio, delinquency and default rates increase as FICO scores decrease, and are higher for adjustable rate mortgages, loans with loan-to-value ratios over 95%, and Alt-A loans.
1) GE expects earnings of around $18 billion in 2008, below its previous forecast, but above the S&P 500's performance.
2) For 2009, GE projects Industrial segment growth of 0-5%, Financial Services earnings of around $5 billion, and flat performance for Corporate/C&I.
3) GE will maintain its $1.24 per share dividend for 2009 and expects long-term earnings growth to return to 10% after the recession ends.
Yield vs. Liquidity in Income Producing InvestmentsDavid Wrubel
This document discusses the balancing act between investing for yield and liquidity in income-producing investments. It notes that traditional fixed income investments like treasuries, corporate bonds, and dividends currently offer very low yields. As an alternative, it proposes net lease real estate funds that invest in properties leased to investment-grade companies. These funds aim to provide higher, predictable yields while taking on bond-like risk due to the quality of the tenants and long-term leases. The document argues this can offer superior risk-adjusted returns compared to more liquid but lower-yielding options.
This document is from a presentation by Michael D. Fraizer, Chairman and CEO of Genworth Financial, at the UBS Global Financial Services Conference on May 14, 2008. The presentation discusses Genworth's strategy of providing financial security products across different life stages. It acknowledges challenges in the US mortgage insurance market in 2008 due to the difficult environment, but expresses confidence in Genworth's positioning for improved future performance. The presentation outlines priorities for 2008, including navigating challenges in US mortgage insurance, expanding wealth management and retirement offerings, growing internationally, and transitioning life and long term care business lines.
Ar welcome - exploring alternative sources of income - 06 08 12alanreid
Forward helps investors meet challenges through innovative strategies and fresh ideas. It explores alternative income strategies including real estate preferreds, real estate and infrastructure, and municipal bonds. Several funds and their managers are mentioned that implement these strategies.
How to reduce portfolio risk through periodic re-balancing. The impact of dividends on total portfolio return. Thoughts on Social Security’s future.
Investment Styles: Large growth versus large value
Top 5 Financial Mistakes Women Make and Way to Avoid Themcparker10
Paker Financial, LLC presentation to the 2009 Charles County Women's Fair, A Journey to Wellness. Charles County Commission for Women. College of Southern Maryland. Center for Business and Industry. La Plata, MD. 7 Mar. 2009.
The document discusses strategies for transitioning from the retirement accumulation stage to the retirement income stage. It introduces the 3-7-5 strategy which involves identifying three levels of retirement expenses, seven sources of retirement income, and five options for improving income. The strategy is illustrated through a hypothetical example of a retired couple, Ken and Patty, and how their retirement income sources could be reallocated to better match their expenses. The key steps are analyzing anticipated retirement expenses versus income and developing recommendations to enhance income through options like working longer or adjusting investments.
This document is the 2009 annual report for Northwestern Mutual. It summarizes the company's financial results for 2009, highlighting that despite volatility in financial markets, Northwestern Mutual paid over $4.7 billion in policyholder dividends, an increase of 4% from 2008. The report also features interviews with several policyholders who felt financially secure during the economic downturn thanks to their policies and relationships with Northwestern Mutual financial representatives.
The 2010 annual report for Northwestern Mutual summarizes the company's strong financial performance in 2010. Some key points include:
- Total surplus grew $3.4 billion to $17.6 billion and policyowner dividends approved for 2011 were nearly $4.9 billion.
- Total revenue was $23.1 billion and total assets were $180 billion, increases of 8% and 8% respectively from 2009.
- Northwestern Mutual maintained the best possible financial strength ratings from the four major rating agencies.
The report highlights how the company continued to deliver superior financial value to policyholders while keeping a strong focus on helping customers plan for long-term financial security even during a time of economic uncertainty.
AIG Second Quarter 2008 Conference Call Credit Presentationfinance2
The document summarizes AIG Financial Products' (AIGFP) super senior credit derivatives portfolio as of June 30, 2008. Some key points:
- AIGFP's net notional exposure was $441 billion, down from $469.5 billion last quarter. The largest concentrations were in multi-sector CDOs and regulatory capital relief transactions.
- The weighted average subordination was 19.6%, similar to last quarter. Most transactions have regulatory capital calls starting in January 2008.
- For regulatory capital relief transactions in corporate credits, the largest exposures were to Germany at $14.2 billion, followed by the USA and Netherlands. Most of these trades had low historical losses.
This document is a presentation from Patrick Kelleher, Chief Financial Officer of Raymond James, given on March 5, 2008. It summarizes Genworth Financial's 2007 financial performance, with operating EPS of $3.07 and operating ROE of 11-14%. It outlines Genworth's strategy of delivering financial security across different life stages. It also provides updates on priority growth opportunities in international markets and fee-based wealth management, as well as the U.S. mortgage insurance business and investment portfolio.
Remarks by Robert L. Reynolds, President and Chief Executive Officer, Putnam InvestmentsFinancial Advisor/Private Wealth Innovative Retirement SymposiumOrlando, Florida, March 12, 2013
One reason I was pleased to be invited is that Financial Advisor’s slogan, “Knowledge for the Sophisticated Investor,” echoes the core themes I want to talk with you about today. I believe that there is a crying need — among asset managers, advisors, and investors — for new thinking and new solutions.
Abraham Lincoln’s great adage “As our case is new, so we must think anew and act anew” has never been more relevant. Five years after the worst economic crisis to hit global capitalism in our lifetimes, we are still feeling the aftershocks. We find ourselves moving ever so tentatively into a financial future about which the only thing we seem sure of is that it will likely be very different than the investment world we all grew up with.
Core topics
To me, this suggests that the conventional wisdoms shaped by decades of high-return investing — first in equities from 1982 to 2000, then in fixed-income markets over most of this young century — need to be re-examined, revised, or even scrapped.
And while I certainly don’t claim to have all the answers, I do want to sketch some of the new solution-oriented approaches that Putnam sees emerging, such as innovative investment strategies, changed views on portfolio construction, greater risk-awareness, and advances in practice management, including new technologies to enable advisors to reach and influence clients.
I would also like to suggest three retirement policy innovations that the financial services industry should take the lead on — now.
Winfield Refuse Management is considering financing options to acquire Mott-Pliese Integrated Solutions for $125 million. The options considered are: debt with fixed principal repayments, debt, equity, and a combination of debt and equity.
Debt with fixed principal repayments of $6.25 million annually over 15 years has the lowest net present value of financing costs. It also provides the highest expected earnings per share and return on equity under likely earnings scenarios. Monte Carlo simulations show Winfield can meet debt obligations and maintain strong interest, debt, and dividend coverage ratios under varying earnings outcomes.
Therefore, the recommendation is for Winfield to finance the acquisition through the issuance of bonds with no principal repayments
Winfield Refuse Management Inc.Raising Debt vs. Equitysubhash kalal
Winfield Refuse Management is considering financing options for a $125M acquisition of Mott-Pliese Integrated Solutions. The options considered are: 1) Debt with fixed principal repayments, 2) Debt only, 3) Equity, 4) Debt and equity. Debt only has the lowest NPV cost of financing, while equity has the highest. Debt options provide the highest expected earnings per share and return on equity under likely earnings scenarios. Monte Carlo simulations show Winfield can meet debt obligations and dividend payments under varying earnings outcomes for all financing alternatives. Winfield should finance through issuing bonds with no principal repayments.
This document discusses social finance as a sustainable approach to managing money that delivers both social/environmental benefits and economic returns. It provides examples of social finance at different levels of involvement from grants to equity investments. Products include venture capital funds, local development funds, and debt mechanisms. When perspectives are aligned constructively, social finance can create innovative solutions and change whole systems as seen with the Great Bear Rainforest agreement in Canada.
The document provides an introduction to investing, discussing the need to build wealth for retirement, education costs, and other major expenses. It outlines various investment tools like stocks, bonds, cash, and mutual funds, and how they balance risk and return. The document emphasizes the importance of setting clear investment goals, allocating assets strategically based on risk tolerance, and using techniques like diversification and dollar cost averaging to manage risk over time. Professional advice is recommended to develop an appropriate investment plan.
Making The Most Of Retirement Assets 2008 Compliance Approvedguest3c7636
The document discusses considerations for retirement assets and planning. It notes that social security provides 39% of retirement income for most people, while pensions provide 19% and personal savings 14%. Proper retirement planning requires determining retirement goals, taking inventory of current assets, and developing a long-term retirement plan that accounts for taxes, inflation, longevity risks, and market volatility. The document emphasizes starting retirement planning early and contributing consistently to retirement funds over a long period.
The document provides instructions for an aspiring writer to practice different figurative language and stylistic devices to make their story more interesting. The writer is tasked with creating examples of different devices like synecdoche, metonymy, zeugma, anaphora, euphemism, irony, and anastrophe by responding to prompts or links provided. Once practiced with the examples, the writer must incorporate all the devices into a short story of at least two pages and submit it for review to help make their writing more stylish for their publisher.
Benchmarking is a management tool that can provide competitive advantages when utilized properly. There are two types of benchmarking - metrics which focus on quantifiable data, and practices which take a more holistic view of processes. Benchmarking can also be done internally against a company's own best performances, or externally against competitors. When partnering with foreign firms, requesting that partners become ISO 9000 certified can provide a framework for quality control that is globally recognized.
The talk proposes using an historical perspective to discuss transcranial magnetic stimulation (TMS) for treating major depressive episodes. It outlines 3 historical steps: (1) 18th century electrical brain stimulation experiments in psychiatry, (2) late 20th century validation of repetitive TMS as focal brain stimulation, and (3) using 21st century neuroimaging-guided TMS to better target stimulation and account for neuroanatomical variability between patients. MRI-guided TMS has shown better outcomes than conventional 5cm localization methods alone. Future directions include optimizing individualized "electrical brain interaction" through real-time neuroimaging.
Paralelo recursos casacion forma - fondo y recurso de nulidad Derecho procesa...cristianuretadiaz
1. La casación en la forma y en el fondo son recursos destinados a invalidar resoluciones judiciales ante tribunales superiores. 2. La casación en la forma busca invalidar sentencias por vicios procesales, mientras que la casación en el fondo alega errores de derecho que influyeron en el fallo. 3. Ambos recursos se interponen por escrito y pueden dar lugar a la invalidación de la resolución recurrida o a su confirmación.
This document provides information about training courses offered by Agilent Technologies, including:
- Classroom training courses on topics like gas chromatography, liquid chromatography, mass spectrometry, and atomic spectroscopy offered at Agilent's Customer Education Center in Germany.
- Customized on-site training that can combine standard Agilent course material with lab-specific information.
- On-site consulting for assistance with method development and application optimization.
- A table listing specific courses along with their duration, location, price, and scheduled dates throughout 2016.
El documento define la ofimática como la automatización de las comunicaciones y procesos que se realizan en una oficina a través de hardware y software que permite crear, manipular, almacenar y transmitir información digitalmente. Luego menciona algunas suites de ofimática como Gnome Office, OpenOffice.org, Siag Office y KO Office. Finalmente, resume brevemente la historia de Microsoft Office, notando que apareció en 1989 para Mac y Windows en 1990 y originalmente incluía Word, Excel y PowerPoint.
This document is from a presentation by Michael D. Fraizer, Chairman and CEO of Genworth Financial, at the UBS Global Financial Services Conference on May 14, 2008. The presentation discusses Genworth's strategy of providing financial security products across different life stages. It acknowledges challenges in the US mortgage insurance market in 2008 due to the difficult environment, but expresses confidence in Genworth's positioning for improved future performance. The presentation outlines priorities for 2008, including navigating challenges in US mortgage insurance, expanding wealth management and retirement offerings, growing internationally, and transitioning life and long term care business lines.
Ar welcome - exploring alternative sources of income - 06 08 12alanreid
Forward helps investors meet challenges through innovative strategies and fresh ideas. It explores alternative income strategies including real estate preferreds, real estate and infrastructure, and municipal bonds. Several funds and their managers are mentioned that implement these strategies.
How to reduce portfolio risk through periodic re-balancing. The impact of dividends on total portfolio return. Thoughts on Social Security’s future.
Investment Styles: Large growth versus large value
Top 5 Financial Mistakes Women Make and Way to Avoid Themcparker10
Paker Financial, LLC presentation to the 2009 Charles County Women's Fair, A Journey to Wellness. Charles County Commission for Women. College of Southern Maryland. Center for Business and Industry. La Plata, MD. 7 Mar. 2009.
The document discusses strategies for transitioning from the retirement accumulation stage to the retirement income stage. It introduces the 3-7-5 strategy which involves identifying three levels of retirement expenses, seven sources of retirement income, and five options for improving income. The strategy is illustrated through a hypothetical example of a retired couple, Ken and Patty, and how their retirement income sources could be reallocated to better match their expenses. The key steps are analyzing anticipated retirement expenses versus income and developing recommendations to enhance income through options like working longer or adjusting investments.
This document is the 2009 annual report for Northwestern Mutual. It summarizes the company's financial results for 2009, highlighting that despite volatility in financial markets, Northwestern Mutual paid over $4.7 billion in policyholder dividends, an increase of 4% from 2008. The report also features interviews with several policyholders who felt financially secure during the economic downturn thanks to their policies and relationships with Northwestern Mutual financial representatives.
The 2010 annual report for Northwestern Mutual summarizes the company's strong financial performance in 2010. Some key points include:
- Total surplus grew $3.4 billion to $17.6 billion and policyowner dividends approved for 2011 were nearly $4.9 billion.
- Total revenue was $23.1 billion and total assets were $180 billion, increases of 8% and 8% respectively from 2009.
- Northwestern Mutual maintained the best possible financial strength ratings from the four major rating agencies.
The report highlights how the company continued to deliver superior financial value to policyholders while keeping a strong focus on helping customers plan for long-term financial security even during a time of economic uncertainty.
AIG Second Quarter 2008 Conference Call Credit Presentationfinance2
The document summarizes AIG Financial Products' (AIGFP) super senior credit derivatives portfolio as of June 30, 2008. Some key points:
- AIGFP's net notional exposure was $441 billion, down from $469.5 billion last quarter. The largest concentrations were in multi-sector CDOs and regulatory capital relief transactions.
- The weighted average subordination was 19.6%, similar to last quarter. Most transactions have regulatory capital calls starting in January 2008.
- For regulatory capital relief transactions in corporate credits, the largest exposures were to Germany at $14.2 billion, followed by the USA and Netherlands. Most of these trades had low historical losses.
This document is a presentation from Patrick Kelleher, Chief Financial Officer of Raymond James, given on March 5, 2008. It summarizes Genworth Financial's 2007 financial performance, with operating EPS of $3.07 and operating ROE of 11-14%. It outlines Genworth's strategy of delivering financial security across different life stages. It also provides updates on priority growth opportunities in international markets and fee-based wealth management, as well as the U.S. mortgage insurance business and investment portfolio.
Remarks by Robert L. Reynolds, President and Chief Executive Officer, Putnam InvestmentsFinancial Advisor/Private Wealth Innovative Retirement SymposiumOrlando, Florida, March 12, 2013
One reason I was pleased to be invited is that Financial Advisor’s slogan, “Knowledge for the Sophisticated Investor,” echoes the core themes I want to talk with you about today. I believe that there is a crying need — among asset managers, advisors, and investors — for new thinking and new solutions.
Abraham Lincoln’s great adage “As our case is new, so we must think anew and act anew” has never been more relevant. Five years after the worst economic crisis to hit global capitalism in our lifetimes, we are still feeling the aftershocks. We find ourselves moving ever so tentatively into a financial future about which the only thing we seem sure of is that it will likely be very different than the investment world we all grew up with.
Core topics
To me, this suggests that the conventional wisdoms shaped by decades of high-return investing — first in equities from 1982 to 2000, then in fixed-income markets over most of this young century — need to be re-examined, revised, or even scrapped.
And while I certainly don’t claim to have all the answers, I do want to sketch some of the new solution-oriented approaches that Putnam sees emerging, such as innovative investment strategies, changed views on portfolio construction, greater risk-awareness, and advances in practice management, including new technologies to enable advisors to reach and influence clients.
I would also like to suggest three retirement policy innovations that the financial services industry should take the lead on — now.
Winfield Refuse Management is considering financing options to acquire Mott-Pliese Integrated Solutions for $125 million. The options considered are: debt with fixed principal repayments, debt, equity, and a combination of debt and equity.
Debt with fixed principal repayments of $6.25 million annually over 15 years has the lowest net present value of financing costs. It also provides the highest expected earnings per share and return on equity under likely earnings scenarios. Monte Carlo simulations show Winfield can meet debt obligations and maintain strong interest, debt, and dividend coverage ratios under varying earnings outcomes.
Therefore, the recommendation is for Winfield to finance the acquisition through the issuance of bonds with no principal repayments
Winfield Refuse Management Inc.Raising Debt vs. Equitysubhash kalal
Winfield Refuse Management is considering financing options for a $125M acquisition of Mott-Pliese Integrated Solutions. The options considered are: 1) Debt with fixed principal repayments, 2) Debt only, 3) Equity, 4) Debt and equity. Debt only has the lowest NPV cost of financing, while equity has the highest. Debt options provide the highest expected earnings per share and return on equity under likely earnings scenarios. Monte Carlo simulations show Winfield can meet debt obligations and dividend payments under varying earnings outcomes for all financing alternatives. Winfield should finance through issuing bonds with no principal repayments.
This document discusses social finance as a sustainable approach to managing money that delivers both social/environmental benefits and economic returns. It provides examples of social finance at different levels of involvement from grants to equity investments. Products include venture capital funds, local development funds, and debt mechanisms. When perspectives are aligned constructively, social finance can create innovative solutions and change whole systems as seen with the Great Bear Rainforest agreement in Canada.
The document provides an introduction to investing, discussing the need to build wealth for retirement, education costs, and other major expenses. It outlines various investment tools like stocks, bonds, cash, and mutual funds, and how they balance risk and return. The document emphasizes the importance of setting clear investment goals, allocating assets strategically based on risk tolerance, and using techniques like diversification and dollar cost averaging to manage risk over time. Professional advice is recommended to develop an appropriate investment plan.
Making The Most Of Retirement Assets 2008 Compliance Approvedguest3c7636
The document discusses considerations for retirement assets and planning. It notes that social security provides 39% of retirement income for most people, while pensions provide 19% and personal savings 14%. Proper retirement planning requires determining retirement goals, taking inventory of current assets, and developing a long-term retirement plan that accounts for taxes, inflation, longevity risks, and market volatility. The document emphasizes starting retirement planning early and contributing consistently to retirement funds over a long period.
The document provides instructions for an aspiring writer to practice different figurative language and stylistic devices to make their story more interesting. The writer is tasked with creating examples of different devices like synecdoche, metonymy, zeugma, anaphora, euphemism, irony, and anastrophe by responding to prompts or links provided. Once practiced with the examples, the writer must incorporate all the devices into a short story of at least two pages and submit it for review to help make their writing more stylish for their publisher.
Benchmarking is a management tool that can provide competitive advantages when utilized properly. There are two types of benchmarking - metrics which focus on quantifiable data, and practices which take a more holistic view of processes. Benchmarking can also be done internally against a company's own best performances, or externally against competitors. When partnering with foreign firms, requesting that partners become ISO 9000 certified can provide a framework for quality control that is globally recognized.
The talk proposes using an historical perspective to discuss transcranial magnetic stimulation (TMS) for treating major depressive episodes. It outlines 3 historical steps: (1) 18th century electrical brain stimulation experiments in psychiatry, (2) late 20th century validation of repetitive TMS as focal brain stimulation, and (3) using 21st century neuroimaging-guided TMS to better target stimulation and account for neuroanatomical variability between patients. MRI-guided TMS has shown better outcomes than conventional 5cm localization methods alone. Future directions include optimizing individualized "electrical brain interaction" through real-time neuroimaging.
Paralelo recursos casacion forma - fondo y recurso de nulidad Derecho procesa...cristianuretadiaz
1. La casación en la forma y en el fondo son recursos destinados a invalidar resoluciones judiciales ante tribunales superiores. 2. La casación en la forma busca invalidar sentencias por vicios procesales, mientras que la casación en el fondo alega errores de derecho que influyeron en el fallo. 3. Ambos recursos se interponen por escrito y pueden dar lugar a la invalidación de la resolución recurrida o a su confirmación.
This document provides information about training courses offered by Agilent Technologies, including:
- Classroom training courses on topics like gas chromatography, liquid chromatography, mass spectrometry, and atomic spectroscopy offered at Agilent's Customer Education Center in Germany.
- Customized on-site training that can combine standard Agilent course material with lab-specific information.
- On-site consulting for assistance with method development and application optimization.
- A table listing specific courses along with their duration, location, price, and scheduled dates throughout 2016.
El documento define la ofimática como la automatización de las comunicaciones y procesos que se realizan en una oficina a través de hardware y software que permite crear, manipular, almacenar y transmitir información digitalmente. Luego menciona algunas suites de ofimática como Gnome Office, OpenOffice.org, Siag Office y KO Office. Finalmente, resume brevemente la historia de Microsoft Office, notando que apareció en 1989 para Mac y Windows en 1990 y originalmente incluía Word, Excel y PowerPoint.
Este documento presenta el cronograma de entregas para tres cortes de una clase, incluyendo parciales, presentaciones y trabajos independientes. En el primer corte en marzo se incluyen la entrega de un balance general y estado de resultados, una presentación sobre compañías mal administradas y un trabajo sobre la bolsa de valores colombiana. En abril, el segundo corte contempla un parcial, presentación sobre estados financieros y un trabajo de portafolio de inversión. Finalmente, en mayo, el tercer corte comprende un parcial
esta presentación trata de enseñar un poco sobre la clasificación de las roscas y la compatibilidad entre ellas. también hablamos un poco sobre las normas que las rigen
El documento describe las principales causas del fracaso de las pequeñas y medianas empresas (PYMES) en México. Estas incluyen una mala planeación y estrategias, falta de conocimiento previo sobre cómo administrar un negocio, mala gestión de recursos financieros y operaciones, y falta de innovación. Además, señala que la mayoría de las PYMES quiebran dentro de los primeros cinco años debido a estos factores relacionados con la administración.
The document summarizes an AGM management presentation made by Orbite on June 22, 2016. It discusses the status of construction of Orbite's high-purity alumina plant, including commissioning activities completed and next steps. It also provides an update on Orbite's commercial activities including sample shipments and qualification processes with customers. The presentation outlines challenges faced during construction and adjustments that will be made going forward, including appointing a new COO. Finally, it discusses opportunities for waste monetization through extracting valuable materials from waste stockpiles and partnerships.
Este documento contiene hojas de inspección para escaleras y escaleras de mano en una fábrica. Resume los tipos de escaleras, defectos comunes y consideraciones de mantenimiento. También incluye secciones para inspeccionar edificios, maquinaria, equipos, herramientas y aparatos mecánicos, identificando áreas seguras e inseguras.
The document discusses the Island Gold Mine site visit that took place on May 27, 2015. It includes an agenda for the visit with presentations on workforce health and safety, sustainability and community, geology and exploration, operations, and development plans. Safety protocols are reviewed for the underground tour, mill tour, core shack and other areas of the site visit. Statistics on the mine's workforce, health and safety performance, environment and community programs are also presented.
2015 A "volcanic" year (active volcanoes)Makala D.
The document lists dates and locations of volcanic activity from various volcanoes around the world between January and December 2015. Specifically, it mentions eruptions and activity at Mount Etna, Villarrica volcano, Tongan volcano, Mount Sinabung, Piton de la Fournaise volcano, Kilauea volcano, Momotombo volcano, Colima volcano, and Calbuco volcano during this time period. All photos are credited to their original authors.
This document summarizes Michael Fraizer's presentation at the UBS Global Insurance Conference on June 26, 2008. The presentation discusses Genworth Financial's strategy, financial performance, business segments, and priorities. It provides an overview of challenges in the US mortgage insurance business and steps taken to address them. It also reviews growth opportunities in fee-based products, international expansion, and transitioning life and long-term care blocks.
This document discusses strategies for building better retirement portfolios. It outlines risks retirees face like inflation, longevity, lifestyle changes, and market volatility. Traditional fixed income approaches are unlikely to hedge inflation well. Instead, it recommends a total return portfolio strategy using a mix of stocks, bonds, and cash to potentially provide higher returns, manage withdrawals, and reduce volatility through diversification. Maintaining cash reserves and periodically rebalancing can help generate steady income and manage emotions.
- Genworth's U.S. mortgage insurance portfolio has a lower risk profile than industry peers based on factors like FICO scores, loan-to-value ratios, and product types.
- Default rates are increasing across all vintages and risk segments but remain below industry levels, with 2007 defaults lowest and 2005/2004 highest.
- Fixed rate loans and those with higher FICO scores are performing better than adjustable rate loans and those with lower FICO scores and higher LTV ratios.
- Management is navigating challenging market conditions through prudent risk and pricing actions while still achieving growth in premiums and maintaining a lower loss ratio than peers.
Zuk Financial Group is an independent retirement planning firm established in 1974 that serves over 30,000 clients. The presentation provided information on retirement income planning, including the need to fund retirement accounts early and regularly to benefit from compound growth, diversifying investments over time from growth to income assets as retirement approaches, and working with a financial advisor to develop a customized retirement income plan. Attendees were encouraged to contact Zuk Financial Group for a comprehensive planning consultation.
This document discusses risk and return in the context of sound investing. It shows that while large cap stocks achieved the highest returns from 1982-2002, they also carried the highest risk as measured by standard deviation. A targeted blend of different asset classes can capture higher risk-adjusted returns by landing on the efficient frontier of the risk-return graph. The basics of asset allocation involve dividing investments among stocks, bonds, and cash, with more sophisticated strategies incorporating different subclasses within each class. Rebalancing ensures your asset allocation stays in line with your goals and risk tolerance over time.
This presentation by Michael Fraizer, CEO of Genworth Financial, provides an overview of Genworth's strategy and financial performance. It notes that 2008 EPS will be impacted by losses in the US mortgage insurance business due to the difficult housing environment, but that Genworth is taking actions to improve future performance. These include increasing prices and tightening guidelines for US mortgage insurance, growing fee-based wealth management and retirement income businesses internationally, and transitioning or redeploying capital from underperforming blocks of life insurance, long term care insurance, and other business lines. The presentation emphasizes growing businesses with returns in the high-teens range or above while navigating short-term challenges in the US mortgage market.
The document discusses how Guardian Life Insurance Company has maintained strong financial ratings and returns during the market downturn, noting their excellent capital ratios, operating margins, dividend payments, and whole life policy values compared to peers. It emphasizes Guardian's commitment to policyholders as mutually owned companies have held steady or increased statutory surpluses without government assistance, and that Guardian has a well-diversified investment portfolio designed to manage risk.
GMAC Executive Vice President and Chief Financial Officer Sanjiv Khattri.finance8
The document discusses forward-looking statements and risk factors that could cause actual results to differ from expectations. It notes that statements with words like "expect" and "anticipate" are intended to identify forward-looking statements that are subject to important risk factors described in SEC filings. The summary also notes that GMAC management cannot guarantee the accuracy of its forward-looking statements.
This document summarizes Genworth Financial's performance in 2007 and outlook for the future. Some key points:
- Genworth reported $3.07 in operating EPS and an operating ROE of 11-14% in 2007. International operations contributed 50% of earnings.
- Genworth's strategy focuses on delivering financial security across different life stages. It aims to drive growth through opportunities like international mortgage insurance, fee-based wealth management, and income guarantees.
- The U.S. mortgage insurance portfolio has a primarily prime risk mix and benefited from captive reinsurance protection. Actions were taken to improve pricing and guidelines on certain products in 2008.
Real Rates Of Return On C Ds Public Xadv14975 V 04 08lynnereynolds
This document discusses the real rates of return on certificates of deposit (CDs) after accounting for taxes and inflation. It provides an example comparing CD rates from 1980, 2002, and 2007 with the average federal tax rate for top taxpayers during those years and inflation rates. After subtracting taxes and inflation, CDs in 1980 provided a real rate of return of -3.13%, while in 2002 and 2007 the real rates of return were -1.39% and -0.60%, respectively, showing that stability of CDs comes at the cost of low or even negative returns after taxes and inflation are considered. The document encourages asking a financial representative about other options from Jackson National Life Insurance Company that may help meet savings goals.
1) The document discusses Bank of America's enterprise risk management strategies and capabilities. It highlights how the bank manages various types of risk, including credit, market, and operational risk across its consumer and commercial businesses.
2) Key strengths that help the bank manage risk include its breadth of client access, industry insights, and integrated risk management structure.
3) The bank has improved its risk profile by rebalancing its commercial credit portfolio and enhancing risk monitoring tools.
This document summarizes a presentation on pricing guarantees for variable annuities given recent market conditions. It discusses how lower interest rates, lower expected equity returns, and higher realized volatility are challenging pricing assumptions. Many insurance companies have had to increase reserves, accelerate write-offs, and modify products with higher fees or reduced guarantees due to losses. Hedging guarantees is also very difficult in this environment of increased volatility, basis risk, and funding costs. Proper pricing now requires considering economics rather than just accounting impacts.
This document summarizes a presentation on pricing variable annuity guaranteed living benefits given in 2009. It discusses how recent market trends have impacted pricing, including large losses announced by insurers, increased reserves, and changes to VA product designs. It also examines factors affecting pricing, such as lower interest rates, higher volatility, increased hedging costs, and higher asset correlations. The presentation argues that pricing assumptions may need to be adjusted to account for these changes in the economic environment.
This document provides an overview of basic financial concepts for members of the armed forces, including saving, using credit wisely, checking your credit report, insurance, avoiding inappropriate deals, budgeting, cash equivalent investments, creating an emergency fund, investing basics, asset classes like stocks and bonds, active and passive investment strategies, and basic investment products like stocks, bonds, mutual funds, and US savings bonds. The goal is to help service members take control of their finances and plan for both short- and long-term financial goals.
The document provides an introduction to investments and covers key concepts such as risk and return, asset classes, diversification, and inflation. It explains that higher risk investments like shares and property have historically delivered higher returns than lower risk investments like cash and fixed interest. It emphasizes the importance of diversification across different asset classes and managers to reduce risk.
Global Corporate and Investment Banking President Gene Taylor presented on the division's strategy for growth between 2006-2011. The goals are to increase revenues by $10 billion and earnings by $3 billion through deepening client relationships, increasing market share internationally, and strategically deploying capital. Global Investment Banking Head Brian Brille then discussed the strategic themes of integrated delivery of Bank of America's capabilities, capturing largest fee pool opportunities including becoming a top 3 investment bank in the US, and growing the international presence including becoming a top 10 investment bank in Europe.
capital one Lehman Conference Presentationfinance13
Capital One provides a presentation on its financial performance and positioning. It discusses (1) executing on its vision of national lending and local banking, (2) delivering an operating profit of $463M despite significant credit headwinds, and (3) decisions that position it to navigate cyclical challenges and deliver value over the cycle through resilient businesses, conservative risk management, and lower lending lines.
The document summarizes key topics discussed in a seminar on financial empowerment for educators, including common financial questions from young couples, kids, and about financial security, estate planning, sources of income in retirement, lessons for lifetime investing, and tips for investing strategies.
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf46adnanshahzad
How to Start Up a Company: A Step-by-Step Guide Starting a company is an exciting adventure that combines creativity, strategy, and hard work. It can seem overwhelming at first, but with the right guidance, anyone can transform a great idea into a successful business. Let's dive into how to start up a company, from the initial spark of an idea to securing funding and launching your startup.
Introduction
Have you ever dreamed of turning your innovative idea into a thriving business? Starting a company involves numerous steps and decisions, but don't worry—we're here to help. Whether you're exploring how to start a startup company or wondering how to start up a small business, this guide will walk you through the process, step by step.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
Each framework is presented with visually engaging diagrams and templates, ensuring the content is both informative and appealing. While this compilation is thorough, please note that the slides are intended as supplementary resources and may not be sufficient for standalone instructional purposes.
This compilation is ideal for anyone looking to enhance their understanding of innovation management and drive meaningful change within their organization. Whether you aim to improve product development processes, enhance customer experiences, or drive digital transformation, these frameworks offer valuable insights and tools to help you achieve your goals.
INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
10. Blue Ocean Strategy
11. Strategyn’s Jobs-To-Be-Done (JTBD) Framework with Job Map
12. Design Sprint Framework
13. The Double Diamond
14. Lean Six Sigma DMAIC
15. TRIZ Problem-Solving Framework
16. Edward de Bono’s Six Thinking Hats
17. Stage-Gate Model
18. Toyota’s Six Steps of Kaizen
19. Microsoft’s Digital Transformation Framework
20. Design for Six Sigma (DFSS)
To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations
Top mailing list providers in the USA.pptxJeremyPeirce1
Discover the top mailing list providers in the USA, offering targeted lists, segmentation, and analytics to optimize your marketing campaigns and drive engagement.
How MJ Global Leads the Packaging Industry.pdfMJ Global
MJ Global's success in staying ahead of the curve in the packaging industry is a testament to its dedication to innovation, sustainability, and customer-centricity. By embracing technological advancements, leading in eco-friendly solutions, collaborating with industry leaders, and adapting to evolving consumer preferences, MJ Global continues to set new standards in the packaging sector.
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdfthesiliconleaders
In the recent edition, The 10 Most Influential Leaders Guiding Corporate Evolution, 2024, The Silicon Leaders magazine gladly features Dejan Štancer, President of the Global Chamber of Business Leaders (GCBL), along with other leaders.
How to Implement a Real Estate CRM SoftwareSalesTown
To implement a CRM for real estate, set clear goals, choose a CRM with key real estate features, and customize it to your needs. Migrate your data, train your team, and use automation to save time. Monitor performance, ensure data security, and use the CRM to enhance marketing. Regularly check its effectiveness to improve your business.
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Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...APCO
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
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Navigating the world of forex trading can be challenging, especially for beginners. To help you make an informed decision, we have comprehensively compared the best forex brokers in India for 2024. This article, reviewed by Top Forex Brokers Review, will cover featured award winners, the best forex brokers, featured offers, the best copy trading platforms, the best forex brokers for beginners, the best MetaTrader brokers, and recently updated reviews. We will focus on FP Markets, Black Bull, EightCap, IC Markets, and Octa.
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