This document provides sample slides from Burton-Taylor International Consulting LLC about product segmentation in the variable annuity and life insurance industries. It includes statistics showing that variable annuity premiums grew 17% in 2006, driven by broker-dealers and wirehouses. Most fixed annuity distributors also saw growth except for banks. Another slide shows that annuities and insurance account for 35% of US broker-dealer annual commissions, and improved illustration capabilities can directly boost their revenue and closing rates.
What Small Business Wants from Banking & PaymentsPaul McAdam
Small businesses want simplified, comprehensive banking relationships that bundle multiple financial products. As businesses grow larger, they tend to use more complex banking and payment products. Relationship-based product packaging allows banks to better meet customer needs, improve profitability, and make it harder for competitors to copy their offerings or for customers to comparison shop. The survey found adoption of cash management, payments, credit, and deposit products increases as company size grows.
Anne Glover - Amadeus Capital - UK - Stanford - Jan 7 2013Burton Lee
- Amadeus Capital is a leading early stage investor in information and communications technology companies based in Europe.
- It has over 15 years of experience investing in startups, with 85 companies funded and £500 million in assets under management across 7 funds.
- While Europe has lagged the US in terms of venture capital funding levels, the median pre-money valuations for European startups are significantly lower than in the US, making it an attractive time to invest.
- However, venture capital returns in Europe have been low since 2000, and fund raising remains a challenge due to the withdrawal of traditional limited partners from the market in recent years.
Managing foreign exchange risk wes seegar, bank of america - 25 january 2012Jessica Roch
Managing foreign exchange risk is important for companies that export or have international operations. Exchange rate fluctuations can significantly impact revenues and profits. Companies should establish a foreign exchange risk management strategy to mitigate risks from currency movements. This may include hedging currency exposures through the use of financial instruments like forwards and options. Proper management of foreign exchange risk is critical for financial planning and success in global markets.
Mobile Payments and Mobile Commerce
# Market overview
# Competitive landscape
# Region analysis
# Value chain
As of September 2012
Sources: Gartner, Euromonitor, Mashable, Arthur D. Little, mobilepaymentstoday.com, Sapient Nitro, internetretailer.com, deltapartnersgroup.com, paymentobserver.com
The document discusses mobile telephony tariffs and service affordability in Latin America. It defines affordable service and explains how measuring affordability is necessary to estimate market efficiency and design universal service programs. The document presents data showing significant dispersion in mobile tariffs across Latin American countries when measured in US dollars and US dollars adjusted for purchasing power parity. International benchmarking reveals that tariffs in Brazil may have affordability issues based on typical expenditure thresholds.
Post Crisis Financing Options for the Payday IndustryDecosimoCPAs
Presentation from the 2010 CFSA Conference made by Decosimo's Mike Costello on post crisis financing options for businesses in the payday advance industry.
Annie's Project - Risk Management for Farm and Ranch Womennacaa
This document provides information about Annie's Project, a program that aims to empower farm women through financial education. It discusses the vision, mission, method of delivery, audiences served, and impact of the program. Some key points:
- Annie's Project was founded in 2003 and aims to bring financial security to rural women involved in agriculture through a series of six educational classes.
- Classes are three hours long and cover five risk management areas. They seek to connect women, provide a safe space for discussion, and impart guided financial intelligence.
- The method involves partnering with extension services and using surveys to measure changes in knowledge, attitudes, and behaviors from the program.
- Over 8,000 women nationwide
D2 Capital Partners: Opportunity For AccessIan Nguyen
The document discusses opportunities for private equity and strategic partnerships in Vietnam. It notes that Vietnam has experienced strong GDP growth driven by domestic consumption and urbanization. However, foreign direct investment in domestic sectors like education, healthcare, and retail has been low, representing opportunities for growth capital. While Vietnam faces some economic challenges, policies aim to sustain growth and manage risks. Overall, the document outlines several attractive sectors in Vietnam, such as real estate and consumer, for private equity investment.
What Small Business Wants from Banking & PaymentsPaul McAdam
Small businesses want simplified, comprehensive banking relationships that bundle multiple financial products. As businesses grow larger, they tend to use more complex banking and payment products. Relationship-based product packaging allows banks to better meet customer needs, improve profitability, and make it harder for competitors to copy their offerings or for customers to comparison shop. The survey found adoption of cash management, payments, credit, and deposit products increases as company size grows.
Anne Glover - Amadeus Capital - UK - Stanford - Jan 7 2013Burton Lee
- Amadeus Capital is a leading early stage investor in information and communications technology companies based in Europe.
- It has over 15 years of experience investing in startups, with 85 companies funded and £500 million in assets under management across 7 funds.
- While Europe has lagged the US in terms of venture capital funding levels, the median pre-money valuations for European startups are significantly lower than in the US, making it an attractive time to invest.
- However, venture capital returns in Europe have been low since 2000, and fund raising remains a challenge due to the withdrawal of traditional limited partners from the market in recent years.
Managing foreign exchange risk wes seegar, bank of america - 25 january 2012Jessica Roch
Managing foreign exchange risk is important for companies that export or have international operations. Exchange rate fluctuations can significantly impact revenues and profits. Companies should establish a foreign exchange risk management strategy to mitigate risks from currency movements. This may include hedging currency exposures through the use of financial instruments like forwards and options. Proper management of foreign exchange risk is critical for financial planning and success in global markets.
Mobile Payments and Mobile Commerce
# Market overview
# Competitive landscape
# Region analysis
# Value chain
As of September 2012
Sources: Gartner, Euromonitor, Mashable, Arthur D. Little, mobilepaymentstoday.com, Sapient Nitro, internetretailer.com, deltapartnersgroup.com, paymentobserver.com
The document discusses mobile telephony tariffs and service affordability in Latin America. It defines affordable service and explains how measuring affordability is necessary to estimate market efficiency and design universal service programs. The document presents data showing significant dispersion in mobile tariffs across Latin American countries when measured in US dollars and US dollars adjusted for purchasing power parity. International benchmarking reveals that tariffs in Brazil may have affordability issues based on typical expenditure thresholds.
Post Crisis Financing Options for the Payday IndustryDecosimoCPAs
Presentation from the 2010 CFSA Conference made by Decosimo's Mike Costello on post crisis financing options for businesses in the payday advance industry.
Annie's Project - Risk Management for Farm and Ranch Womennacaa
This document provides information about Annie's Project, a program that aims to empower farm women through financial education. It discusses the vision, mission, method of delivery, audiences served, and impact of the program. Some key points:
- Annie's Project was founded in 2003 and aims to bring financial security to rural women involved in agriculture through a series of six educational classes.
- Classes are three hours long and cover five risk management areas. They seek to connect women, provide a safe space for discussion, and impart guided financial intelligence.
- The method involves partnering with extension services and using surveys to measure changes in knowledge, attitudes, and behaviors from the program.
- Over 8,000 women nationwide
D2 Capital Partners: Opportunity For AccessIan Nguyen
The document discusses opportunities for private equity and strategic partnerships in Vietnam. It notes that Vietnam has experienced strong GDP growth driven by domestic consumption and urbanization. However, foreign direct investment in domestic sectors like education, healthcare, and retail has been low, representing opportunities for growth capital. While Vietnam faces some economic challenges, policies aim to sustain growth and manage risks. Overall, the document outlines several attractive sectors in Vietnam, such as real estate and consumer, for private equity investment.
This document provides an analysis of the Auroch Portfolio for August 2010. It summarizes the performance of various asset classes and funds, showing that Auroch portfolios outperformed all asset classes for the quarter ending June 2010. It then describes the Alpha strategy, noting it uses macro indicators to overweight sectors, focuses on business outperformance, and tends to invest in dominant companies exhibiting a competitive advantage. Charts show the Alpha strategy outperforming the Nifty index since December 2009.
by Location, FY 2010 (in INR Lakhs)
1) R&D operating costs in India have continued to decline over the past 24 months, generating significant cost savings for headquarters. However, strengthening of the INR against the USD had a marginal negative impact on further cost declines.
2) The cost of operations decreases as company size increases due to cost optimization efforts and economies of scale, and increases with larger headcounts due to overhead costs.
3) Bangalore has the highest personnel costs in India and therefore the maximum overall cost of operations.
The document provides an overview of Multiplus, TAM Airlines' loyalty program. Some key points:
- Multiplus was established as a separate business unit in 2009 and had its IPO in 2010, operating TAM's loyalty program and forming network partnerships.
- It has over 8 million members and 160 commercial partnerships, allowing members to accumulate and redeem points across multiple programs.
- Multiplus earns revenue from selling points to partners and using the points to purchase rewards from partners. It aims to profit from the spread between these amounts as well as points that expire unused.
This document provides a summary of TV viewership in Pakistan from January to December 2010. It includes the following key points:
- The TV viewership panel consisted of 675 households across major Pakistani cities, with the largest representation from Karachi and Lahore.
- There were over 81 local TV channels in the top 8 urban cities broadcasting in Pakistan in 2010 across genres like news, entertainment, sports, children's and music programming.
- Average daily TV usage per household was highest in January at 364 minutes and lowest in September at 309 minutes, fluctuating between 320-360 minutes on average across the year.
- The median home price in the Portland area declined 13.9% over the last year to $246,200 as of Q2 2009, continuing a weakening trend.
- Local job losses over the last year were sharp at -56,800 (-5.5%), contributing to weak housing demand.
- Mortgage rates remain low while affordability is improving, with the monthly mortgage payment-to-income ratio at a historically strong 15.4% in Q2 2009.
- Foreclosure rates on prime loans are low at 0.4% while rates on subprime and Alt-A loans show large local increases compared to a year ago but remain below national averages.
This document provides information on several high loan-to-value (LTV) mortgage product options from Bank of America. It lists the LTV, debt-to-income ratios, and minimum credit score requirements for various products including 80-20 loans, 100% LTV loans, neighborhood programs, and agency 97% LTV loans. The document emphasizes that these high LTV options help give potential home buyers "the way" to purchase homes and allow mortgage brokers to expand their customer base and close more loans.
The document summarizes renewable energy and energy efficiency investment opportunities in Morocco. Morocco imports a large portion of its energy needs and aims to reduce its dependence on imports through developing renewable sources like wind and solar. Morocco has significant potential for wind and solar energy due to its unique location and climate. The country also has a goal of reducing energy consumption 12% by 2020 through national energy efficiency programs focused on industry, transport, and residential sectors.
The local housing market report for Austin, Texas in the third quarter of 2009 found:
- The median home price was $189,100, down slightly from a year ago but higher than the national median of $177,900.
- Existing home sales growth remained sluggish at -1.9% compared to 5.9% nationally.
- Job losses continued in Austin but at a lower rate than the national average, and the unemployment rate of 7.2% was below the 9.8% national rate.
- Housing affordability was better than historical averages and stronger than the national market due to lower mortgage payments as a percentage of income.
MoPub Mobile Advertising Marketplace Report (Q2 2012)Jim Payne
The document provides a summary of a report on the mobile advertising marketplace from Q2 2012. Some key findings include:
- Demand from advertisers for mobile ad impressions through real-time bidding auctions increased 300% from Q1 to Q2 2012.
- While iOS commands higher prices (eCPMs) than Android by 86%, Android is gaining share of total ad impression volume.
- Social networking, music, lifestyle, and health/fitness apps saw the largest growth in impression volumes, while music, lifestyle, and business apps achieved the highest eCPMs.
14000
12000
1) The company, ZuluTrade, is a social trading platform founded in 2006 that allows users to automatically mirror the trades of expert forex traders.
2) ZuluTrade has over 50,000 users, processes over $400 billion in trading volume annually, and is growing by 300-500 new registrations daily.
3) ZuluTrade differentiates itself by enabling real-time social trading where users can see what trades experts are making and automatically copy those trades through their brokerage accounts.
The document provides an investor presentation for Multiplus S.A., TAM Airlines' loyalty program in Brazil. Some key points:
- Multiplus has over 8.5 million members and partnerships with over 160 companies after starting as an independent business unit in 2009.
- It has a flexible business model where it sells points to partners to award customers and buys rewards from partners to deliver to members.
- In the second quarter of 2011, Multiplus saw a 34.3% increase in gross billings of points and a 28.5% net income margin, demonstrating growth and profitability.
- Future opportunities for growth include expanding into new market segments, increasing credit card usage in Brazil, and lever
Raddon Financial Group conducted a survey on consumer use and likelihood of using cell phones to make purchases and payments in stores. The survey found that 53% of respondents currently use their phone to make some in-store payments, while 33% are extremely or very likely to use their phone to pay at stores. Younger consumers, known as Generation Y, are more open to mobile payments than older generations.
The document provides financial details of SBI Life Insurance for the first 9 months of fiscal year 2010-2011, highlighting a 52% increase in net profit to Rs. 301 crores, a 28% growth in gross written premium to Rs. 7,770 crores, and a 50% increase in assets under management to Rs. 36,861 crores. It also notes the expansion of SBI Life's branch network to 628 branches and employee strength to 7,334 during the period. SBI Life's managing director commented that the company will continue focusing on customer centricity and operational excellence to sustain profitable growth.
1. The document discusses two insurance agents and which is more likely to succeed. The second agent is identified as being a specialist for teachers - having insured over 200 teachers in the city and developing a special insurance program for teachers.
2. It then discusses segmentation, target markets, and positioning in marketing. It provides examples of how to segment markets based on demographics, psychographics, behaviors, and other factors.
3. The key to success is identified as becoming a specialist in a unique target market segment. It emphasizes the need to deeply understand the segment's needs and behaviors to develop specialized products and services tailored specifically for that niche market.
The document discusses market segmentation and target marketing. It defines market segmentation as dividing a market into groups with different needs that may require tailored products or messaging. Various ways to segment markets are described, including geographic, demographic, psychographic, and behavioral factors. The document also defines target markets as the specific segments an organization aims to reach. Market positioning is presented as how a product is defined in a customer's mind relative to competitors. The overall document provides an overview of segmenting customers, targeting specific groups, and positioning offerings for marketing purposes.
Vivek Gupta gives a presentation about becoming an MDRT insurance agent. He outlines the benefits which include high earning potential, unique pensions, promotions, and sense of achievement. MDRT agency offers over Rs. 12 lakh in first year commissions and hereditary and renewal commissions. Success stories are shared of agents earning over Rs. 2 crore annually. The process to become an agent requires tests, training, and licensing. Becoming an MDRT agent provides financial security, status, and an opportunity for those with communication skills and a desire to be businessmen.
Psychographic segmentation divides audiences based on lifestyle traits, social class, and behaviors. It uses demographic data to understand audiences' behaviors, habits, and psychologies. Marketers obtain psychographic data from various sources like surveys, social media, and focus groups. Psychographic segmentation involves dividing audiences into groups according to social class, lifestyle characteristics defined by models like the 4Cs, and behaviors related to product usage, benefits, and loyalty. It also segments based on buyer readiness stages that range from awareness to purchase.
LIC was established in 1956 and is fully owned by the Government of India. It has a large market share and offers a wide range of insurance products. However, it is facing challenges in the southern region of India. To address this, LIC should increase the number of agents, offer higher commissions, and provide free health insurance to attract more customers aged 20-35 years old in the south.
LIC of India is the largest life insurance company in India. It was established in 1956 after the nationalization of the insurance industry. LIC has over 250 million policyholders and a majority share of the life insurance market. It offers a wide range of insurance products and has expanded its services through technology and partnerships. LIC is a significant investor in infrastructure development in India and aims to provide financial security to all citizens.
- Life insurance first came to India from England in 1818, with the Oriental Life Insurance Company starting as the first life insurer.
- The Insurance Act of 1912 was passed to regulate the insurance business, requiring actuarial certification of premium rates and valuations.
- The LIC Act was passed in 1956 leading to the nationalization of the insurance industry and creation of LIC as a statutory body.
- Today, LIC dominates the Indian life insurance market as the largest insurer, though private players have gained significant share in recent years.
This document provides an analysis of the Auroch Portfolio for August 2010. It summarizes the performance of various asset classes and funds, showing that Auroch portfolios outperformed all asset classes for the quarter ending June 2010. It then describes the Alpha strategy, noting it uses macro indicators to overweight sectors, focuses on business outperformance, and tends to invest in dominant companies exhibiting a competitive advantage. Charts show the Alpha strategy outperforming the Nifty index since December 2009.
by Location, FY 2010 (in INR Lakhs)
1) R&D operating costs in India have continued to decline over the past 24 months, generating significant cost savings for headquarters. However, strengthening of the INR against the USD had a marginal negative impact on further cost declines.
2) The cost of operations decreases as company size increases due to cost optimization efforts and economies of scale, and increases with larger headcounts due to overhead costs.
3) Bangalore has the highest personnel costs in India and therefore the maximum overall cost of operations.
The document provides an overview of Multiplus, TAM Airlines' loyalty program. Some key points:
- Multiplus was established as a separate business unit in 2009 and had its IPO in 2010, operating TAM's loyalty program and forming network partnerships.
- It has over 8 million members and 160 commercial partnerships, allowing members to accumulate and redeem points across multiple programs.
- Multiplus earns revenue from selling points to partners and using the points to purchase rewards from partners. It aims to profit from the spread between these amounts as well as points that expire unused.
This document provides a summary of TV viewership in Pakistan from January to December 2010. It includes the following key points:
- The TV viewership panel consisted of 675 households across major Pakistani cities, with the largest representation from Karachi and Lahore.
- There were over 81 local TV channels in the top 8 urban cities broadcasting in Pakistan in 2010 across genres like news, entertainment, sports, children's and music programming.
- Average daily TV usage per household was highest in January at 364 minutes and lowest in September at 309 minutes, fluctuating between 320-360 minutes on average across the year.
- The median home price in the Portland area declined 13.9% over the last year to $246,200 as of Q2 2009, continuing a weakening trend.
- Local job losses over the last year were sharp at -56,800 (-5.5%), contributing to weak housing demand.
- Mortgage rates remain low while affordability is improving, with the monthly mortgage payment-to-income ratio at a historically strong 15.4% in Q2 2009.
- Foreclosure rates on prime loans are low at 0.4% while rates on subprime and Alt-A loans show large local increases compared to a year ago but remain below national averages.
This document provides information on several high loan-to-value (LTV) mortgage product options from Bank of America. It lists the LTV, debt-to-income ratios, and minimum credit score requirements for various products including 80-20 loans, 100% LTV loans, neighborhood programs, and agency 97% LTV loans. The document emphasizes that these high LTV options help give potential home buyers "the way" to purchase homes and allow mortgage brokers to expand their customer base and close more loans.
The document summarizes renewable energy and energy efficiency investment opportunities in Morocco. Morocco imports a large portion of its energy needs and aims to reduce its dependence on imports through developing renewable sources like wind and solar. Morocco has significant potential for wind and solar energy due to its unique location and climate. The country also has a goal of reducing energy consumption 12% by 2020 through national energy efficiency programs focused on industry, transport, and residential sectors.
The local housing market report for Austin, Texas in the third quarter of 2009 found:
- The median home price was $189,100, down slightly from a year ago but higher than the national median of $177,900.
- Existing home sales growth remained sluggish at -1.9% compared to 5.9% nationally.
- Job losses continued in Austin but at a lower rate than the national average, and the unemployment rate of 7.2% was below the 9.8% national rate.
- Housing affordability was better than historical averages and stronger than the national market due to lower mortgage payments as a percentage of income.
MoPub Mobile Advertising Marketplace Report (Q2 2012)Jim Payne
The document provides a summary of a report on the mobile advertising marketplace from Q2 2012. Some key findings include:
- Demand from advertisers for mobile ad impressions through real-time bidding auctions increased 300% from Q1 to Q2 2012.
- While iOS commands higher prices (eCPMs) than Android by 86%, Android is gaining share of total ad impression volume.
- Social networking, music, lifestyle, and health/fitness apps saw the largest growth in impression volumes, while music, lifestyle, and business apps achieved the highest eCPMs.
14000
12000
1) The company, ZuluTrade, is a social trading platform founded in 2006 that allows users to automatically mirror the trades of expert forex traders.
2) ZuluTrade has over 50,000 users, processes over $400 billion in trading volume annually, and is growing by 300-500 new registrations daily.
3) ZuluTrade differentiates itself by enabling real-time social trading where users can see what trades experts are making and automatically copy those trades through their brokerage accounts.
The document provides an investor presentation for Multiplus S.A., TAM Airlines' loyalty program in Brazil. Some key points:
- Multiplus has over 8.5 million members and partnerships with over 160 companies after starting as an independent business unit in 2009.
- It has a flexible business model where it sells points to partners to award customers and buys rewards from partners to deliver to members.
- In the second quarter of 2011, Multiplus saw a 34.3% increase in gross billings of points and a 28.5% net income margin, demonstrating growth and profitability.
- Future opportunities for growth include expanding into new market segments, increasing credit card usage in Brazil, and lever
Raddon Financial Group conducted a survey on consumer use and likelihood of using cell phones to make purchases and payments in stores. The survey found that 53% of respondents currently use their phone to make some in-store payments, while 33% are extremely or very likely to use their phone to pay at stores. Younger consumers, known as Generation Y, are more open to mobile payments than older generations.
The document provides financial details of SBI Life Insurance for the first 9 months of fiscal year 2010-2011, highlighting a 52% increase in net profit to Rs. 301 crores, a 28% growth in gross written premium to Rs. 7,770 crores, and a 50% increase in assets under management to Rs. 36,861 crores. It also notes the expansion of SBI Life's branch network to 628 branches and employee strength to 7,334 during the period. SBI Life's managing director commented that the company will continue focusing on customer centricity and operational excellence to sustain profitable growth.
1. The document discusses two insurance agents and which is more likely to succeed. The second agent is identified as being a specialist for teachers - having insured over 200 teachers in the city and developing a special insurance program for teachers.
2. It then discusses segmentation, target markets, and positioning in marketing. It provides examples of how to segment markets based on demographics, psychographics, behaviors, and other factors.
3. The key to success is identified as becoming a specialist in a unique target market segment. It emphasizes the need to deeply understand the segment's needs and behaviors to develop specialized products and services tailored specifically for that niche market.
The document discusses market segmentation and target marketing. It defines market segmentation as dividing a market into groups with different needs that may require tailored products or messaging. Various ways to segment markets are described, including geographic, demographic, psychographic, and behavioral factors. The document also defines target markets as the specific segments an organization aims to reach. Market positioning is presented as how a product is defined in a customer's mind relative to competitors. The overall document provides an overview of segmenting customers, targeting specific groups, and positioning offerings for marketing purposes.
Vivek Gupta gives a presentation about becoming an MDRT insurance agent. He outlines the benefits which include high earning potential, unique pensions, promotions, and sense of achievement. MDRT agency offers over Rs. 12 lakh in first year commissions and hereditary and renewal commissions. Success stories are shared of agents earning over Rs. 2 crore annually. The process to become an agent requires tests, training, and licensing. Becoming an MDRT agent provides financial security, status, and an opportunity for those with communication skills and a desire to be businessmen.
Psychographic segmentation divides audiences based on lifestyle traits, social class, and behaviors. It uses demographic data to understand audiences' behaviors, habits, and psychologies. Marketers obtain psychographic data from various sources like surveys, social media, and focus groups. Psychographic segmentation involves dividing audiences into groups according to social class, lifestyle characteristics defined by models like the 4Cs, and behaviors related to product usage, benefits, and loyalty. It also segments based on buyer readiness stages that range from awareness to purchase.
LIC was established in 1956 and is fully owned by the Government of India. It has a large market share and offers a wide range of insurance products. However, it is facing challenges in the southern region of India. To address this, LIC should increase the number of agents, offer higher commissions, and provide free health insurance to attract more customers aged 20-35 years old in the south.
LIC of India is the largest life insurance company in India. It was established in 1956 after the nationalization of the insurance industry. LIC has over 250 million policyholders and a majority share of the life insurance market. It offers a wide range of insurance products and has expanded its services through technology and partnerships. LIC is a significant investor in infrastructure development in India and aims to provide financial security to all citizens.
- Life insurance first came to India from England in 1818, with the Oriental Life Insurance Company starting as the first life insurer.
- The Insurance Act of 1912 was passed to regulate the insurance business, requiring actuarial certification of premium rates and valuations.
- The LIC Act was passed in 1956 leading to the nationalization of the insurance industry and creation of LIC as a statutory body.
- Today, LIC dominates the Indian life insurance market as the largest insurer, though private players have gained significant share in recent years.
The document appears to be a research report submitted by Emmanuel Savio to his professor Renu Tiwari at St. Andrews College exploring life insurance products offered by the Life Insurance Corporation of India (LIC). It provides background on LIC and describes several of its popular life insurance plans, outlining their key features, benefits, eligibility requirements, and other details. The report was submitted to fulfill research objectives for Emmanuel's Bachelor of Commerce degree in the academic year 2011-2012.
The document discusses different types of market segmentation. It defines market segmentation as breaking buyers into internally similar but externally different groups. There are four main bases for segmentation: geographic, demographic, psychographic, and behavioral. Demographic segmentation divides the market based on variables like age, gender, income, occupation, and household size. Psychographic segmentation uses psychological attributes, lifestyles, and attitudes to develop behavioral profiles of customers. Behavioral segmentation focuses on factors like usage occasions, benefits sought, and brand loyalty.
The document provides guidance for small merchants on protecting payment card data. It discusses understanding risks to payment card data, protecting business with basic security measures, and where to get help. The security basics are organized from easiest to most complex to implement, and include using strong unique passwords, protecting and limiting storage of card data, inspecting payment terminals for tampering, installing software updates, using trusted partners, and more. The goal is to help small businesses start with basic steps to enhance data security.
The document discusses various risks to consider for retirement planning such as longevity risk, inflation risk, and investment risk. It introduces variable annuities as a potential solution to help mitigate these risks by providing guaranteed lifetime income, protection against market downturns, and upside potential from stock market investments. Variable annuities can help secure retirement income through features such as living benefits and death benefits. Working with a financial advisor can help assess if a variable annuity is a suitable strategy for individual retirement goals and risk tolerance.
O documento lista os artilheiros da Segunda Divisão do Campeonato Gaúcho de 2014, com Serjão, do São Gabriel, liderando com 5 gols e Michel, do Rio Grande, empatado também com 5 gols.
By Sree Sreenivasan | @Sree | sree@sree.net
On April 28, 2012, I gave a TEDxNYED talk at the Museum of the Moving Image in Queens, NY.
My topic: Connecting the Physical & the Digital:
A Key to Getting Anything Done
Or, "What I learned from
a typo, a flower and a revolution"
Among the items I talked about, the #Kristofize project saluting @NickKristof: http://bit.ly/kristofize
Este documento presenta una traducción de 50 palabras del inglés al español realizada por un estudiante de la Universidad Tecnológica de Torreón para su clase de Procesos Industriales. La traducción incluye palabras como "autocumplida", "rico", "suficiente", "trampas", "incauto", "evitar", "comienzo", "logrado", "rápidamente", "aprendido", "cualquier cosa", "analizar", y "se" entre otras.
BDPA Chapter Building Workshop - Week #3
Everything You Always Wanted to Know About BDPA, But Were Afraid to Ask!
One hour each week devoted to sharing information with current and future BDPA leaders on what it takes to run a successful BDPA chapter. We will discuss every aspect of the BDPA experience ... both tactical and strategic.
There will be a lesson plan for each session ... however, we will be flexible enough to provide you with answers to questions that are on your mind. Our goal is to eventually ensure that each and every chapter is functioning and successful.
Attendees should include anyone who is currently in a leadership role ... and anyone who is currently thinking about entering a leadership role in a BDPA chapter, region or national office.
Week #3 - held on November 4, 2014. Agenda focused on national BDPA awards program
Οι μαθητές και μαθήτριες της Στ' τάξης του Δ.Σ. Βαμβακοφύτου Σερρών , προσπαθούν να κατανοήσουν και να γευτούν το έργο των καλλιτεχνών της γενιάς του 1880.
El documento discute los efectos positivos y negativos de las redes sociales. Positivamente, permiten la comunicación global, ayudan a las pequeñas empresas a promocionarse de forma económica. Negativamente, su uso excesivo puede causar problemas en las relaciones personales y dependencia. La conclusión es que los efectos dependen del uso y tiempo dedicado, y que deben usarse con moderación.
The document summarizes the IntraLinks Deal Flow Indicator report for the third quarter of 2009. It found a 10% increase in global deal activity from the second quarter, driven by increases in all regions. Increased activity was attributed to continued strength in equity markets, large non-distressed deals returning, and increased distressed M&A. Deal volume was up in technology and life sciences but slightly up or flat in other industries. Overall deal volume was still down 19% from the third quarter of 2008, though improving from earlier in the year.
BARGENTO 2.0 Keynote Magento - Thomas FleckBargento ES
Magento is a fast-growing ecommerce platform that has seen significant increases in downloads, transactions, merchants, and community members since its founding in 2008. It offers both open-source and commercial versions that can be used by companies of all sizes to build flexible ecommerce sites and apps. Magento provides tools, training, and consulting services to help merchants successfully implement and scale their online businesses.
The Top Reasons Enterprises Outsource IT to MSPsCA Nimsoft
Half of Executives Say They Foresee Moving Toward 100 Percent MSP Engagement
The survey, conducted in association with Enterprise Management Associates™ (EMA), collected responses, experiences and opinions from executives, mid-level managers and individual IT contributors from mid-sized and large organizations. All participants were currently engaged with an MSP, planning to engage and MSP, or had used MSP services in the past.
Visit www.nimsoft.com for more information.
Heavy Reading - Mobile Operator Perspectives: Monetization Optimization and V...Cisco Service Provider
The survey found that:
1) Mobile video and speed tiers were seen as the most promising monetization opportunities, while toll-free mobile broadband was seen as the least attractive.
2) Video traffic growth was identified as a significant challenge for network planning over the next two to five years, especially by those in corporate management and technical roles.
3) Most respondents expected to deploy a video optimization solution within the next three years to help manage rising mobile video traffic on their networks.
Optimum ventures - Bevo Agro - Take Private ProposalBen Cappellacci
This is a preliminary round presentation deck for the UBC Finance Club Pacific Venture Capital Competition. It was created by Ben Cappellacci, Chris Fenn, Raena Kai and Scott Redwood.
Health care marketers face challenges with tight budgets and changing patient and physician expectations. While traditional challenges remain top priorities, new trends around digital media and empowered patients are not fully addressed. Marketers plan to use traditional tactics but also leverage online channels in a conservative way. To succeed, marketers will need skills beyond traditional health care roles, such as creativity and communication.
Workday Webinar: How HR Spends on TechnologyWorkday
The tough economy has hit IT budgets hard, but there’s one area where many companies continue to invest, and it might surprise people. According to a new Towers Watson survey, 83% of respondents said they are maintaining or increasing spending on HR software in 2010. That’s just one eye-opening result from Towers Watson’s recently completed survey of 456 companies, two-thirds of which have more than 5,000 employees. Although other areas of software often top the trendy list (think social networking), that survey finding and others show that the market for human resource management software is also quite dynamic.
Tom Keebler, global practice leader for HR technology at research firm Towers Watson, presented the survey during a June 23 webinar hosted by Workday and moderated by Bill Kutik, co-chair of HR Technology Conference and joined by Leighanne Levensaler, Workday’s vice president of HCM strategy.
Watch the webinar! http://bit.ly/hBqdL0
The Workforce Central Business Connection’s 2010 Survey on Pre-Employment Drug
Screening was conducted in June, 2010.
Pierce County companies that currently use The Business Connection’s recruiting,
testing, and training services, and additional area employers, were invited to complete
the web-based survey.
This document summarizes the results of a 2013 cloud and IT metering survey. 205 organizations responded to questions about their cloud usage, infrastructure, spending expectations, and concerns. Key findings include that most use public IaaS for test/dev and production, with cost savings and flexibility as top benefits. Private cloud is used more for production, with flexibility and cost savings as top benefits. Spending on both public and private clouds is expected to increase in 2013 for most respondents. Security is a top concern for both public and private clouds. IT metering is used by 39% primarily through on-premise or custom applications to optimize costs and efficiency.
Bank of America Merrill Lynch 2012 Global Metals, Mining & Steel ConferenceAnglo American
We aim to deliver a future with real and sustainable value. Read our presentation as delivered by Cynthia Carroll, Chief Executive, Anglo American, at the Bank of America Merrill Lynch 2012 Global Metals, Mining & Steel Conference.
You can find out more about Anglo American here:
http://www.angloamerican.com/
http://www.facebook.com/angloamerican
http://www.twitter.com/angloamerican
http://www.youtube.com/angloamerican
http://www.flickr.com/photos/angloamerican
http://www.linkedin.com/company/anglo-american
Sri Lanka stock market weeekly foreign holding update 6 jan 2012Ishara Gamage
Foreign investors sold Sri Lankan stocks totaling Rs.154 million for the week. Commercial Bank and JKH saw the highest levels of foreign selling, while Ceylon Tobacco had the most foreign buying, though at relatively lower levels. Overall foreign participation in the market remained subdued.
The document provides an overview of the global banking industry. It discusses trends in the industry, current challenges faced by banks, and variations across regions. Specifically, it notes that while banking is a large and growing industry, profitable growth is becoming more difficult to achieve. Banks are facing pressure to lower costs and increase revenues through fundamental changes and innovation. However, many banks are not seen as innovators. The document emphasizes that linking business model innovation with enabling technologies is critical for banks to overcome this integration gap and address current challenges.
Dealmaker Index - Sales Effectiveness Study | The Global Sales Industry - Whe...Altify
This webinar presented regional findings from the Dealmaker Index on sales performance. It found that sales reps were more likely to make their quotas if they excelled in areas like maximizing revenue, accessing key buyers, differentiating their offering, and keeping an accurate sales pipeline. The webinar reviewed data showing differences in performance across global regions. It concluded by explaining how attendees could use the Dealmaker Index to assess their own sales effectiveness and get advice on improving performance.
The document discusses how Vistage member companies were able to do more with less during difficult economic times from 2005-2009. Key points:
- 86% of Vistage CEOs reported doing more with less in a 2010 survey
- Vistage member company revenue grew at a compounded annual rate of 5.8% on average during this period, significantly outperforming the -9.2% average growth rate of all U.S. companies
- Growth rates varied by industry, but Vistage companies grew in most sectors while others declined
- Vistage is presented as a resource that can help companies grow even in challenging economic environments through leadership development and support
The document summarizes the key findings of a 2012 study on transportation management systems conducted by Supply Chain Insights. It discusses how transportation planning has traditionally involved one-way communication between transportation planners and other functions like IT and data maintenance. It then provides an example of how one large company, Loblaw, has established a Transportation Center of Excellence to bring more strategic alignment, standardization, and analytics to its transportation planning. The webinar aimed to highlight techniques for increasing effectiveness through presentation of the study findings and commentary from consultants and industry panelists.
The annual meeting presentation provides an overview of Fairfax's financial results, guiding principles, subsidiary performance, and international diversification. Key points include Fairfax achieving 11.2% and 11.5% compound annual growth in book value per share and share price over 5 years, maintaining an underwriting profit approach to float, and growing its Indian subsidiary ICICI Lombard from $6 million in premiums in 2002 to $894 million in 2008.
The document discusses how Vistage member companies were able to grow their revenues during a difficult economic period from 2005 to 2009, while most companies saw revenue declines. Specifically:
- 86% of Vistage CEOs reported doing more with less resources in 2010.
- Vistage member company revenues grew at a compound annual rate of 5.8% from 2005-2009, compared to a 9.2% decline for the average U.S. company.
- Growth rates varied by industry, but several sectors like services and retail saw higher growth for Vistage companies compared to national averages.
The document promotes Vistage as a way for companies to achieve smart growth even during difficult economic
Vistage Member Companies Outperform D&Bmdschwartz777
The document discusses how Vistage member companies were able to grow their revenues during a difficult economic period from 2005 to 2009, while most companies saw revenue declines. Specifically:
- 86% of Vistage CEOs reported doing more with less resources in 2010.
- Vistage member company revenues grew at a compound annual rate of 5.8% from 2005-2009, compared to a 9.2% decline for the average U.S. company.
- Growth rates varied by industry, but several sectors like services and retail saw higher growth for Vistage companies compared to national averages.
The document promotes Vistage as a way for companies to achieve smart growth even during difficult economic
Vistage members outperform peers, according to Dunn & Bradstreet studyGreg Davison
The document discusses how Vistage member companies were able to grow their revenues during a difficult economic period from 2005 to 2009, while most companies saw revenue declines. Specifically:
- 86% of Vistage CEOs reported doing more with less resources in 2010.
- Vistage member companies achieved a compound annual growth rate of 5.8% on average during this period, compared to a -9.2% decline for the average U.S. company.
- Growth rates varied by industry, but Vistage companies fared better across all sectors compared to national averages.
The document promotes Vistage as a way for companies to achieve smart growth even during difficult economic times.
The document summarizes the Miami startup scene by mapping 155 total startups across various categories and years. It shows that most startups are in the consumer web, enterprise, and networking categories. The annual breakdown shows growth from 2007 to 2012. Employee statistics show the average startup has 11 employees, and 8 employees for those under 30 employees. Sources listed help provide data on over 300 Miami area startups.
CapTechTalks Webinar Slides June 2024 Donovan Wright.pptxCapitolTechU
Slides from a Capitol Technology University webinar held June 20, 2024. The webinar featured Dr. Donovan Wright, presenting on the Department of Defense Digital Transformation.
Andreas Schleicher presents PISA 2022 Volume III - Creative Thinking - 18 Jun...EduSkills OECD
Andreas Schleicher, Director of Education and Skills at the OECD presents at the launch of PISA 2022 Volume III - Creative Minds, Creative Schools on 18 June 2024.
A Visual Guide to 1 Samuel | A Tale of Two HeartsSteve Thomason
These slides walk through the story of 1 Samuel. Samuel is the last judge of Israel. The people reject God and want a king. Saul is anointed as the first king, but he is not a good king. David, the shepherd boy is anointed and Saul is envious of him. David shows honor while Saul continues to self destruct.
How to Manage Reception Report in Odoo 17Celine George
A business may deal with both sales and purchases occasionally. They buy things from vendors and then sell them to their customers. Such dealings can be confusing at times. Because multiple clients may inquire about the same product at the same time, after purchasing those products, customers must be assigned to them. Odoo has a tool called Reception Report that can be used to complete this assignment. By enabling this, a reception report comes automatically after confirming a receipt, from which we can assign products to orders.
How to Download & Install Module From the Odoo App Store in Odoo 17Celine George
Custom modules offer the flexibility to extend Odoo's capabilities, address unique requirements, and optimize workflows to align seamlessly with your organization's processes. By leveraging custom modules, businesses can unlock greater efficiency, productivity, and innovation, empowering them to stay competitive in today's dynamic market landscape. In this tutorial, we'll guide you step by step on how to easily download and install modules from the Odoo App Store.
How to Setup Default Value for a Field in Odoo 17Celine George
In Odoo, we can set a default value for a field during the creation of a record for a model. We have many methods in odoo for setting a default value to the field.