This document proposes a job insurance product to provide financial protection for individuals facing job insecurity. It would operate similarly to life insurance by assessing risk factors like an individual's job sector, experience, salary, and work history to determine insurance premiums. An analysis of the target market in Southeast Asia and Australia found the highest demand among professionals in healthcare, education, and government jobs. The proposed business model would generate revenue from premiums and investments, keeping initial operating costs low without a physical office. Job insurance could help reduce stress for those facing job loss and supplement existing government unemployment programs.
Strategic analysis telco ismael soto oct 2012Yatepeino.com
1) The telecommunications market in Spain has reached maturity with little room for growth, forcing companies to engage in price wars that are unsustainable and reducing profits.
2) Customers now value low prices and free phones over quality and are educated to seek the best deals, not long-term relationships with providers.
3) For telecommunications companies to generate sustainable customer pools, they must differentiate by transforming from voice/text service providers to companies that deliver valuable content and capabilities through advanced, customer-driven applications.
The Urban Enterprise Zone program in New Jersey provides tax incentives and financial assistance to businesses in designated urban communities to encourage job creation and economic growth. Businesses in UEZs receive benefits like reduced sales tax rates, tax exemptions on equipment/facility investments, and tax credits for hiring employees. The profiles provide data on the UEZ districts in East Orange, Irvington, Newark, and Orange, including statistics on population, employment, income levels, and the largest industries in each zone.
The document provides an overview of the employment market and opportunities for mid-level managers across Europe. It discusses how the market was impacted by the 2008 recession, but is now starting to recover slowly. It notes opportunities exist depending on one's skills and how they position themselves. The top industries for growth and hiring include financial services, technology, renewable energy, and social services. Critical skills in demand include communication, analysis, technical skills, and management/leadership. Developing these skills and experience in applying them will provide advantages for obtaining preferred roles. Networking is also important for finding work opportunities.
This document provides information about the SSON Asia 2011 conference to be held September 5-8, 2011 in Singapore. It includes an introduction, descriptions of speakers and their areas of expertise, regional metrics and benchmarks, an agenda for the week's events, the SSON events calendar, and a list of sponsors. The conference aims to explore how shared services organizations can evolve to deliver greater value and business outcomes through innovation, operational excellence, and addressing challenges like the global talent shift.
Contingent Labor White Paper May 2011 Linked Intbokowy
Contingent labor is one of the most overlooked and mismanaged resources. Companies that are effective in managing contingent labor have a more flexible workforce, pay markup rates half the industry average, and have fewer suppliers to manage. Many organizations lack the ability to manage this category across business units and regions due to lack of visibility, clear reporting and leadership. To address this opportunity, Cost & Capital Partners has published a category sourcing guide to provide an overview of how companies can gain control over contingent labor and unlock the benefits promised.
1) Despite economic recovery in some countries, the gap in total working hours compared to pre-crisis trends remains large.
2) Long-term unemployment has increased sharply since the beginning of 2009 while inactivity has also risen.
3) Investment levels remain well below pre-crisis trends, hampering job creation.
4) Many countries have focused fiscal policy on consolidation rather than further stimulus, which could support employment. Labor market policies have also not been utilized much so far.
The document discusses payroll and HR services offered by CompuPay. It summarizes that CompuPay offers innovative and flexible payroll products, a range of HR solutions, and excellent client services. It positions CompuPay as a partner that can help businesses of any size streamline operations and focus on their core business by taking over complex payroll and HR tasks.
A study of over 22,000 leaders from BRIC (Brazil, Russia, India, China) and G7 (Canada, France, Germany, Italy, Japan, UK, US) countries found both similarities and differences in work motivations between and within the groups. Stimulating work was the top motivator for both, but advancement, pay, and development opportunities were more important to BRIC leaders. Autonomy and mission belief appealed more to G7 leaders. There was also variability within countries, such as a friendly workplace mattering most in Japan and responsibility for others in Germany/France. Understanding cultural differences in leader motivation can help organizations engage and retain key talent.
Strategic analysis telco ismael soto oct 2012Yatepeino.com
1) The telecommunications market in Spain has reached maturity with little room for growth, forcing companies to engage in price wars that are unsustainable and reducing profits.
2) Customers now value low prices and free phones over quality and are educated to seek the best deals, not long-term relationships with providers.
3) For telecommunications companies to generate sustainable customer pools, they must differentiate by transforming from voice/text service providers to companies that deliver valuable content and capabilities through advanced, customer-driven applications.
The Urban Enterprise Zone program in New Jersey provides tax incentives and financial assistance to businesses in designated urban communities to encourage job creation and economic growth. Businesses in UEZs receive benefits like reduced sales tax rates, tax exemptions on equipment/facility investments, and tax credits for hiring employees. The profiles provide data on the UEZ districts in East Orange, Irvington, Newark, and Orange, including statistics on population, employment, income levels, and the largest industries in each zone.
The document provides an overview of the employment market and opportunities for mid-level managers across Europe. It discusses how the market was impacted by the 2008 recession, but is now starting to recover slowly. It notes opportunities exist depending on one's skills and how they position themselves. The top industries for growth and hiring include financial services, technology, renewable energy, and social services. Critical skills in demand include communication, analysis, technical skills, and management/leadership. Developing these skills and experience in applying them will provide advantages for obtaining preferred roles. Networking is also important for finding work opportunities.
This document provides information about the SSON Asia 2011 conference to be held September 5-8, 2011 in Singapore. It includes an introduction, descriptions of speakers and their areas of expertise, regional metrics and benchmarks, an agenda for the week's events, the SSON events calendar, and a list of sponsors. The conference aims to explore how shared services organizations can evolve to deliver greater value and business outcomes through innovation, operational excellence, and addressing challenges like the global talent shift.
Contingent Labor White Paper May 2011 Linked Intbokowy
Contingent labor is one of the most overlooked and mismanaged resources. Companies that are effective in managing contingent labor have a more flexible workforce, pay markup rates half the industry average, and have fewer suppliers to manage. Many organizations lack the ability to manage this category across business units and regions due to lack of visibility, clear reporting and leadership. To address this opportunity, Cost & Capital Partners has published a category sourcing guide to provide an overview of how companies can gain control over contingent labor and unlock the benefits promised.
1) Despite economic recovery in some countries, the gap in total working hours compared to pre-crisis trends remains large.
2) Long-term unemployment has increased sharply since the beginning of 2009 while inactivity has also risen.
3) Investment levels remain well below pre-crisis trends, hampering job creation.
4) Many countries have focused fiscal policy on consolidation rather than further stimulus, which could support employment. Labor market policies have also not been utilized much so far.
The document discusses payroll and HR services offered by CompuPay. It summarizes that CompuPay offers innovative and flexible payroll products, a range of HR solutions, and excellent client services. It positions CompuPay as a partner that can help businesses of any size streamline operations and focus on their core business by taking over complex payroll and HR tasks.
A study of over 22,000 leaders from BRIC (Brazil, Russia, India, China) and G7 (Canada, France, Germany, Italy, Japan, UK, US) countries found both similarities and differences in work motivations between and within the groups. Stimulating work was the top motivator for both, but advancement, pay, and development opportunities were more important to BRIC leaders. Autonomy and mission belief appealed more to G7 leaders. There was also variability within countries, such as a friendly workplace mattering most in Japan and responsibility for others in Germany/France. Understanding cultural differences in leader motivation can help organizations engage and retain key talent.
MeadWestvaco reported second quarter 2007 earnings. Sales increased 9% to $1.7 billion compared to the second quarter of 2006. Profit from primary segments grew 20% to $149 million. Segment profits increased across Packaging Resources (38% to $90 million), Consumer & Office Products (41% to $24 million), and Specialty Chemicals (42% to $11 million). Consumer Solutions profit grew 4% to $24 million. The company expects positive momentum to continue into the seasonally stronger second half of 2007.
India, one of the most prolific content creating and consuming markets has not been able to produce corresponding revenues for the content creators or wealth for shareholders.
The document discusses business mobility and Nokia's business mobility solutions. It notes that 850 million people globally used mobile phones for business purposes in 2009, while only about 20 million used mobile email daily. The adoption of mobility solutions is well along, with factors like virtual workforces and disruptive technologies driving business needs for productivity and efficiency gains through mobility. Nokia provides business mobility solutions across planning, deployment, operations and optimization. It discusses Nokia phones, software and services that provide integrated mobility solutions for businesses.
Intra lase's international expansion a growing global presenceSM2 Strategic
IntraLase has expanded internationally with 182 laser systems installed outside the US as of mid-2006, comprising 40% of their total installed base. A survey of 78 IntraLase customers in 7 countries found that revenues increased 28-92% after adopting IntraLase, with price increases in 6 countries and volume increases in all 7. Adoption rates within practices varied by country from 55% in Spain to over 95% in Asia/Pacific markets. Each country profile provided details on the LASIK market, number of IntraLase placements, and impact of IntraLase on prices, volumes, revenues and adoption rates.
Private equity deal activity in India increased significantly in Q1 2010 compared to Q1 2009:
- Total private equity investment rose 185% from $675 million to $1.94 billion.
- The median and average deal sizes increased to $10 million and $26 million from $8 million and $19 million.
- Utilities, consumer discretionary, and financials sectors saw the most deals worth $484 million, $440 million, and $403 million respectively.
- There were 88 deals in Q1 2010 compared to 65 deals in Q1 2009.
The document summarizes the effects of the economic crisis on the marketing research industry in Switzerland. It notes that cutbacks show that researchers are not seen as essential to solving economic problems. However, the crisis also highlights shortcomings in some types of marketing research that fail to provide valuable insights. The text discusses issues of validity, reliability, and representativeness of research methods. It indicates that higher-quality random survey methods are losing ground to online panels in competitive industries. Overall, the crisis is impacting research most in openly competitive markets, while protected sectors in Switzerland's small domestic markets face less threat for now.
What do Technology Users think about JDF? (2005)VIGCbe
This document summarizes the results of an online survey conducted by the Flemish Innovation Center for Graphic Communication (VIGC) in March/April 2004 on technology users' knowledge and perceptions of JDF.
The survey received 142 responses, mainly from printers and prepress companies. It found that while the JDF "brand" was widely recognized, in-depth knowledge of JDF specifications and products was limited. Respondents saw benefits to JDF for data exchange but had doubts about its complexity and benefits for smaller companies. Future importance of JDF was seen as higher over longer timeframes of 3-10 years. The survey concluded that while awareness of JDF was growing, implementation will be a long
The Lehman Wave
Investigating what is happening in the Financial Crisis
By Robert Peels
LogiChem 2011 will be the event's tenth anniversary and an opportunity for the most senior chemical supply chain & global logistics directors from the European chemicals community to come together once again share experiences, make new contacts and benchmark the latest chemical supply chain initiatives.
Not only will LogiChem 2011 be a chance for the chemical industry to reminisce about the last ten years but an opportunity to shape the next decade. To celebrate a decade of LogiChem, there will be an exciting three day programme filled with networking opportunities in our new location, Antwerp.
The document discusses The Timken Company's transformation into a global enterprise in 2000. Some key points:
1) Timken accelerated its transformation in 2000 by aligning its businesses with global industries and taking actions to improve performance and achieve profitable growth.
2) Timken created 8 new global businesses to better utilize global capacity, talent, and resources and broaden its market reach to work more closely with customers.
3) Timken's sales totaled $2.6 billion in 2000, up 6% from 1999, and earnings before restructuring charges were $74.6 million, up from $62.6 million in 1999.
4) Timken believes the transformation has added strength to its base
1. Benefits from IT capability planning are evident for leadership, employees, and external benchmarking.
2. For leadership, it enabled setting strategic targets, drove cost savings, and delivered return on investment.
3. For employees, it made the company a best employer and improved careers.
4. Externally, it enabled retaining critical skills and comparing staff benchmarks against industry.
Janet miller - Leveraging The Music City BrandNAMA
This document discusses leveraging Nashville's "Music City" brand for economic development purposes. It provides context on Nashville's economic development strategies, including business recruitment, expansion, entrepreneurship, and product improvement. Specific marketing methods are outlined, including targeting key industries, consultants, media outlets, and leveraging Nashville's reputation through events and as a creative, musical city. Emphasis is placed on peer-to-peer marketing and leveraging Nashville's authentic "Music City" identity to attract businesses and talent.
XConnect is a global leader in IP Federations, providing ENUM registries and SIP-based peering services to enable seamless routing between IP networks. It operates the world's largest number of federations across segments including global, national, UC enterprise, and video. XConnect's patented technology addresses challenges of IP interconnect through configurable policy control and support for voice, video, and other multimedia services. With ongoing growth of IP communications including VoIP, video, and UC, XConnect is well positioned for continued expansion through its global multi-federation strategy and ability to enable new services.
The documents discuss challenges facing the pharmaceutical industry, including reputation issues, pricing pressures, impending patents expiring, and an aging population in Europe putting pressure on healthcare systems. They also discuss the need for pharmaceutical companies to shift to a more customer-centric model focused on providing value to customers rather than just selling products, and for sales forces to have a deeper understanding of disease states and healthcare economics.
Preliminary findings of the Brighton Fuse Firm Survey. Descriptive, using a subset of the sample (n=104). Caution in the interpretation of the (intriguing) findings is advised.
The document provides guidance on calculating social media marketing return on investment (ROI) through a goal-based approach. It discusses challenges in measuring social media ROI and outlines common social media marketing goals. It then provides a framework for measuring ROI against the goals of strengthening your brand, acquiring contacts, and generating sales through metrics like reach, engagement, sentiment, and growing your audience. Brand reach is calculated as Facebook fans + Twitter followers. Content reach includes brand reach plus shares. Engagement looks at shares, replies and comments. Sentiment examines positive versus negative mentions. Acquiring contacts is measured by growth in brand reach. Generating sales can be estimated through surveys and tracking social-specific offers and links. [END SUMMARY]
The document provides guidance on calculating social media marketing return on investment (ROI) through a goal-based approach. It discusses measuring ROI for the goals of strengthening brands, acquiring contacts, and generating sales. Metrics for brand reach, content reach, engagement, sentiment and growth in social media followers are described. Tracking surveys, social media-specific offers and analytics can help attribute sales and traffic to social media efforts. Developing brand advocates within social communities is also discussed.
KlikEyeDoc is an online platform that aims to connect optometrists across the United States. It facilitates alumni relations and provides continuing education resources to solve knowledge needs. Optometrists, faculty, researchers, and students can use the platform. Key features include promoting optometry practices, online profiles, job postings, group discussions, and a knowledge stream of educational content. The goal is to engage and improve the profession and career prospects of optometrists.
This document contains summaries of several brochures produced by a company called El Encanto for their properties in Punta Mita, Mexico. The brochures were designed as sales and marketing tools to showcase properties available for rent or purchase and encourage potential customers to inquire. Specific brochures highlighted an overall view of El Encanto properties and amenities, individual properties for sale, and a spa at a related resort in the British Virgin Islands.
This document provides instructions for filing Forms W-2 and W-3 with the Social Security Administration (SSA). It advises not filing the red Copy A downloaded from the website, as it is not scannable, and penalties may apply for filing non-scannable forms. It instructs to order official IRS forms by calling a provided phone number or filing electronically on the SSA website. Additional IRS publications are referenced for information on printing the tax forms.
MeadWestvaco reported second quarter 2007 earnings. Sales increased 9% to $1.7 billion compared to the second quarter of 2006. Profit from primary segments grew 20% to $149 million. Segment profits increased across Packaging Resources (38% to $90 million), Consumer & Office Products (41% to $24 million), and Specialty Chemicals (42% to $11 million). Consumer Solutions profit grew 4% to $24 million. The company expects positive momentum to continue into the seasonally stronger second half of 2007.
India, one of the most prolific content creating and consuming markets has not been able to produce corresponding revenues for the content creators or wealth for shareholders.
The document discusses business mobility and Nokia's business mobility solutions. It notes that 850 million people globally used mobile phones for business purposes in 2009, while only about 20 million used mobile email daily. The adoption of mobility solutions is well along, with factors like virtual workforces and disruptive technologies driving business needs for productivity and efficiency gains through mobility. Nokia provides business mobility solutions across planning, deployment, operations and optimization. It discusses Nokia phones, software and services that provide integrated mobility solutions for businesses.
Intra lase's international expansion a growing global presenceSM2 Strategic
IntraLase has expanded internationally with 182 laser systems installed outside the US as of mid-2006, comprising 40% of their total installed base. A survey of 78 IntraLase customers in 7 countries found that revenues increased 28-92% after adopting IntraLase, with price increases in 6 countries and volume increases in all 7. Adoption rates within practices varied by country from 55% in Spain to over 95% in Asia/Pacific markets. Each country profile provided details on the LASIK market, number of IntraLase placements, and impact of IntraLase on prices, volumes, revenues and adoption rates.
Private equity deal activity in India increased significantly in Q1 2010 compared to Q1 2009:
- Total private equity investment rose 185% from $675 million to $1.94 billion.
- The median and average deal sizes increased to $10 million and $26 million from $8 million and $19 million.
- Utilities, consumer discretionary, and financials sectors saw the most deals worth $484 million, $440 million, and $403 million respectively.
- There were 88 deals in Q1 2010 compared to 65 deals in Q1 2009.
The document summarizes the effects of the economic crisis on the marketing research industry in Switzerland. It notes that cutbacks show that researchers are not seen as essential to solving economic problems. However, the crisis also highlights shortcomings in some types of marketing research that fail to provide valuable insights. The text discusses issues of validity, reliability, and representativeness of research methods. It indicates that higher-quality random survey methods are losing ground to online panels in competitive industries. Overall, the crisis is impacting research most in openly competitive markets, while protected sectors in Switzerland's small domestic markets face less threat for now.
What do Technology Users think about JDF? (2005)VIGCbe
This document summarizes the results of an online survey conducted by the Flemish Innovation Center for Graphic Communication (VIGC) in March/April 2004 on technology users' knowledge and perceptions of JDF.
The survey received 142 responses, mainly from printers and prepress companies. It found that while the JDF "brand" was widely recognized, in-depth knowledge of JDF specifications and products was limited. Respondents saw benefits to JDF for data exchange but had doubts about its complexity and benefits for smaller companies. Future importance of JDF was seen as higher over longer timeframes of 3-10 years. The survey concluded that while awareness of JDF was growing, implementation will be a long
The Lehman Wave
Investigating what is happening in the Financial Crisis
By Robert Peels
LogiChem 2011 will be the event's tenth anniversary and an opportunity for the most senior chemical supply chain & global logistics directors from the European chemicals community to come together once again share experiences, make new contacts and benchmark the latest chemical supply chain initiatives.
Not only will LogiChem 2011 be a chance for the chemical industry to reminisce about the last ten years but an opportunity to shape the next decade. To celebrate a decade of LogiChem, there will be an exciting three day programme filled with networking opportunities in our new location, Antwerp.
The document discusses The Timken Company's transformation into a global enterprise in 2000. Some key points:
1) Timken accelerated its transformation in 2000 by aligning its businesses with global industries and taking actions to improve performance and achieve profitable growth.
2) Timken created 8 new global businesses to better utilize global capacity, talent, and resources and broaden its market reach to work more closely with customers.
3) Timken's sales totaled $2.6 billion in 2000, up 6% from 1999, and earnings before restructuring charges were $74.6 million, up from $62.6 million in 1999.
4) Timken believes the transformation has added strength to its base
1. Benefits from IT capability planning are evident for leadership, employees, and external benchmarking.
2. For leadership, it enabled setting strategic targets, drove cost savings, and delivered return on investment.
3. For employees, it made the company a best employer and improved careers.
4. Externally, it enabled retaining critical skills and comparing staff benchmarks against industry.
Janet miller - Leveraging The Music City BrandNAMA
This document discusses leveraging Nashville's "Music City" brand for economic development purposes. It provides context on Nashville's economic development strategies, including business recruitment, expansion, entrepreneurship, and product improvement. Specific marketing methods are outlined, including targeting key industries, consultants, media outlets, and leveraging Nashville's reputation through events and as a creative, musical city. Emphasis is placed on peer-to-peer marketing and leveraging Nashville's authentic "Music City" identity to attract businesses and talent.
XConnect is a global leader in IP Federations, providing ENUM registries and SIP-based peering services to enable seamless routing between IP networks. It operates the world's largest number of federations across segments including global, national, UC enterprise, and video. XConnect's patented technology addresses challenges of IP interconnect through configurable policy control and support for voice, video, and other multimedia services. With ongoing growth of IP communications including VoIP, video, and UC, XConnect is well positioned for continued expansion through its global multi-federation strategy and ability to enable new services.
The documents discuss challenges facing the pharmaceutical industry, including reputation issues, pricing pressures, impending patents expiring, and an aging population in Europe putting pressure on healthcare systems. They also discuss the need for pharmaceutical companies to shift to a more customer-centric model focused on providing value to customers rather than just selling products, and for sales forces to have a deeper understanding of disease states and healthcare economics.
Preliminary findings of the Brighton Fuse Firm Survey. Descriptive, using a subset of the sample (n=104). Caution in the interpretation of the (intriguing) findings is advised.
The document provides guidance on calculating social media marketing return on investment (ROI) through a goal-based approach. It discusses challenges in measuring social media ROI and outlines common social media marketing goals. It then provides a framework for measuring ROI against the goals of strengthening your brand, acquiring contacts, and generating sales through metrics like reach, engagement, sentiment, and growing your audience. Brand reach is calculated as Facebook fans + Twitter followers. Content reach includes brand reach plus shares. Engagement looks at shares, replies and comments. Sentiment examines positive versus negative mentions. Acquiring contacts is measured by growth in brand reach. Generating sales can be estimated through surveys and tracking social-specific offers and links. [END SUMMARY]
The document provides guidance on calculating social media marketing return on investment (ROI) through a goal-based approach. It discusses measuring ROI for the goals of strengthening brands, acquiring contacts, and generating sales. Metrics for brand reach, content reach, engagement, sentiment and growth in social media followers are described. Tracking surveys, social media-specific offers and analytics can help attribute sales and traffic to social media efforts. Developing brand advocates within social communities is also discussed.
KlikEyeDoc is an online platform that aims to connect optometrists across the United States. It facilitates alumni relations and provides continuing education resources to solve knowledge needs. Optometrists, faculty, researchers, and students can use the platform. Key features include promoting optometry practices, online profiles, job postings, group discussions, and a knowledge stream of educational content. The goal is to engage and improve the profession and career prospects of optometrists.
This document contains summaries of several brochures produced by a company called El Encanto for their properties in Punta Mita, Mexico. The brochures were designed as sales and marketing tools to showcase properties available for rent or purchase and encourage potential customers to inquire. Specific brochures highlighted an overall view of El Encanto properties and amenities, individual properties for sale, and a spa at a related resort in the British Virgin Islands.
This document provides instructions for filing Forms W-2 and W-3 with the Social Security Administration (SSA). It advises not filing the red Copy A downloaded from the website, as it is not scannable, and penalties may apply for filing non-scannable forms. It instructs to order official IRS forms by calling a provided phone number or filing electronically on the SSA website. Additional IRS publications are referenced for information on printing the tax forms.
The hospitality industry is leveraging social, local and mobile (SoLoMo) technologies to enrich the customer experience. Hotels are using mobile apps to allow customers to book rooms, access loyalty programs, search for recipes from executive chefs, and get recommendations for nearby places. They are also using Facebook for marketing campaigns, collecting customer stories, and running contests. Experience apps on iPads in hotel rooms provide integrated luxury experiences by controlling room settings and placing food orders. SoLoMo initiatives are spreading customer experiences and generating customer data to increase loyalty and promotions.
Our component accounting factsheet sets out the findings from a survey carried out by Grant Thornton, to the housing sector about their experience of component accounting to date.
This document summarizes the payroll and human resources services offered by CompuPay. It outlines that they provide highly innovative payroll products including advanced online and computer-based tools. They also offer a range of HR solutions and excellent client services. CompuPay has over 25 years of payroll experience and is one of the top five payroll providers in the country. Their goal is to free businesses from the distractions of payroll so they can focus on their core competencies.
The document discusses payroll and HR services offered by CompuPay. It summarizes that CompuPay offers innovative and flexible payroll products, a range of HR solutions, and excellent client services. It also mentions over 25 years of payroll experience and being among the top five payroll providers nationally. CompuPay aims to free businesses from payroll distractions so they can focus on their core competencies.
The document discusses payroll and HR services offered by CompuPay. It summarizes that CompuPay offers innovative payroll products and services, a range of HR solutions, over 25 years of experience, and high client satisfaction. It promotes their flexibility and ability to grow with companies of any size.
This document summarizes the payroll and human resources services offered by CompuPay. It outlines that they provide highly innovative payroll products, a range of HR solutions, excellent client services, over 25 years of experience, and that they are among the top five payroll providers nationally. It promotes that businesses of all sizes can outsource their payroll to CompuPay in order to streamline operations and focus on their core business activities.
Latest Borrell media panel from Q3 2009 reflecting panel\'s views on changing media environment and channels--bleak outlook on phone directories while mobile applications and Google continue strong.
MeadWestvaco reported second quarter 2007 earnings. Sales increased 9% to $1.7 billion compared to the second quarter of 2006. Profit from primary segments grew 20% to $149 million. Segment profits increased across Packaging Resources (38% to $90 million), Consumer & Office Products (41% to $24 million), and Specialty Chemicals (42% to $11 million). Consumer Solutions profit grew 4% to $24 million. The company expects positive momentum to continue into the seasonally stronger second half of 2007.
3. Core Business and Value
Proposition
Job insecurity has grown increasingly over the past decade affecting
Employees well being;
Employees family;
Psychological concerns.
One of the major reason of worry is that across the developed world i.e. countries
like USA, the youth population is declining both in absolute number and as a
proportion of the working-age population.
Job Insurance will provide people with a product very similar in offerings to the life
insurance services
Some of the measures taken into account the employees’ riskiness of the current
job, their experience and no of years in the present and past employment and pay
scale.
Financial Maths | Group 13
5. Target Market
J Housing Sector
Housing Sector Finance
Finance Hospitality
Hospitality Retail
Retail
O
Professional &
B Professional &
Business Manufacturing
Manufacturing Airlines
Airlines Automobiles
Automobiles
Business Services
Services
S Healthcare
Healthcare Energy
Energy Education
Education Utilities
Utilities
E
C International
International
Public Safety
Public Safety Funerals
Funerals
T Business
Business
O Riskiness
Accounting
Accounting Government
Government Pharmaceuticals
R
Target Demography – South East Asia, India, Australia
Financial Maths | Group 13
6. Analytics
Online survey was conducted to get a feel of the market
90 respondents from various sectors
Survey Analysis
Premium as % of Salary Job Sector
45 20
18
40 16
35 14
No. of people
30 12
No of people
10
25 8
20 6
4
15 2
10 0
5
g
s
n
re
t
m
en
tin
er
io
es
s
ca
co
0
i ce
th
at
ke
m
vic
le
th
uc
O
uit
rv
ar
Te
er
al
1%-3% 3%-5% 5%-7%
Ed
Se
cr
M
He
lS
d
Re
an
ia
s
es
nc
&
% of Salary
IT
sin
na
HR
Bu
Fi
Financial Maths | Group 13
8. Profitability Analysis through
Simulation
Sectors are divided into Chunks based on the
Riskiness of the job
The Frequency is determined of the people who will
come in to get insured
Job Riskiness is also determined as a probability
Salary & Term of the policy is determined as a
Normally Distributed function
The maximum sum assured is fixed to be 1.5 times of
the salary
The premium is dependent on the work experience,
and the Riskiness of the chunk
Financial Maths | Group 13
9. Business Model
Revenue generation through
Underwriting, where the insurers select the risks and
decide how much premium to pay
Investing the premiums they collect from insured parties
Initially to keep the operating costs low, no office premises
model has been proposed and all the transactions will be
routed through our web portal
Points which require more consideration
Gender bias has not been considered
Job history of the customer
Minimum salary level to be decided
Financial Maths | Group 13
10. Conclusion
Tremendous scope in the fragile job market
Anticipating an economic boom after the current
downturn, Job Insurance is a business with large market
Guarantees a less stressful situation in case of a job loss
Can supplement the various government plans like
unemployment fund etc
Can act as Tax Benefit Instruments for the insurers
Financial Maths | Group 13