The insurance market will surely contract, but it will not collapse. Consumers and companies will still require risk management - albeit, the number of buyers are fewer. Some of the now marginal mid-tier and small carriers may be acquired, or simply fail. Prices will flatten, and rate increases will be needed to raise capital, but the size will be restrained by the contracting economy. However, most insurance industry leaders think that we will be in that contraction through the first half of 2010. With that return to expansion, the industry will still be confronted with the challenges/ opportunities discussed in my last two missives - expanded demand for more sophisticated products and
the need for time-to-market agility while managing losses and expenses.
Can Small Cap Stocks Weather the Storm?Susan Langdon
With recession concerns intensifying in the wake of the COVID-19 pandemic, investors may be wondering whether small cap stocks are poised to struggle. Are small companies more vulnerable now than they have been during other periods of economic distress? And what are the implications for the size premium?
12th-14th May,2020 -the FT launched The Global Boardroom, a new live-
streamed three-day event gathering "the most influential voices" from policy, business, tech and finance to offer a comprehensive picture of the global response to the Covid-19 crisis.
Can Small Cap Stocks Weather the Storm?Susan Langdon
With recession concerns intensifying in the wake of the COVID-19 pandemic, investors may be wondering whether small cap stocks are poised to struggle. Are small companies more vulnerable now than they have been during other periods of economic distress? And what are the implications for the size premium?
12th-14th May,2020 -the FT launched The Global Boardroom, a new live-
streamed three-day event gathering "the most influential voices" from policy, business, tech and finance to offer a comprehensive picture of the global response to the Covid-19 crisis.
Is this a good timefor your firm to enter the federal market?
View the Slide to learn more.
In order to participate in our latest webinars,kindly visit us at www.zweigwhite.com for details.
Commercial real estate section from Beacon Economics\’ San Diego conference on May 21st, 2010. Commercial real estate section written by Patrick Duffy of MetroIntelligence Real Estate Advisors.
Mid Year Outlook for 2012 by LPL Financial Research | What the elections hold for investors |
In LPL’s 2012 Outlook, they predicted that finding a middle ground, or Meeting in the Middle, was going to be key for growth in the markets and economy. In particular, they’ve highlighted a key characteristic of this year:
“Soft sentiment and hard data find middle ground, meaning that we see a convergence between facts and feelings. So far, this has been reflected in economic and market data. Notably, at this year’s midpoint, the gap between consumer confidence and leading economic indicators has narrowed about halfway.” -LPL
Over the last year or so, there has been much talk about another impending recession and how it could impact channel management. The recession theory is based upon historical trends, which suggest business cycles tend to last around five to seven years each. That means every five to seven years we experience some sort of a recession.
While security servicing providers have performed well in recent years, they face anemic core growth, shifting client expectations, rising pressure on fees, and the potential for disruption. The COVID-19 pandemic and associated recession will put further pressure on the industry. In response, they must be bold in their planning and approach to service delivery.
PivotalCRM - How to profit in a downturn_usPivotal CRM
Many businesses are currently struggling to find ways to cut costs and make ends meet, and ambitious new strategies and growth goals are being put on hold till the economy rebounds. But even in a time of uncertainty and contraction, smart companies can find opportunity and growth.
Is this a good timefor your firm to enter the federal market?
View the Slide to learn more.
In order to participate in our latest webinars,kindly visit us at www.zweigwhite.com for details.
Commercial real estate section from Beacon Economics\’ San Diego conference on May 21st, 2010. Commercial real estate section written by Patrick Duffy of MetroIntelligence Real Estate Advisors.
Mid Year Outlook for 2012 by LPL Financial Research | What the elections hold for investors |
In LPL’s 2012 Outlook, they predicted that finding a middle ground, or Meeting in the Middle, was going to be key for growth in the markets and economy. In particular, they’ve highlighted a key characteristic of this year:
“Soft sentiment and hard data find middle ground, meaning that we see a convergence between facts and feelings. So far, this has been reflected in economic and market data. Notably, at this year’s midpoint, the gap between consumer confidence and leading economic indicators has narrowed about halfway.” -LPL
Over the last year or so, there has been much talk about another impending recession and how it could impact channel management. The recession theory is based upon historical trends, which suggest business cycles tend to last around five to seven years each. That means every five to seven years we experience some sort of a recession.
While security servicing providers have performed well in recent years, they face anemic core growth, shifting client expectations, rising pressure on fees, and the potential for disruption. The COVID-19 pandemic and associated recession will put further pressure on the industry. In response, they must be bold in their planning and approach to service delivery.
PivotalCRM - How to profit in a downturn_usPivotal CRM
Many businesses are currently struggling to find ways to cut costs and make ends meet, and ambitious new strategies and growth goals are being put on hold till the economy rebounds. But even in a time of uncertainty and contraction, smart companies can find opportunity and growth.
The PEO Industry in Transition, by Benjamin Gordon, BGSA CEOBenjamin Gordon
Benjamin Gordon and BGSA write about how the professional employer organization (PEO) industry is evolving. Benjamin outlines mergers, acquisitions, investments, transactions, and strategic change underway in the PEO sector.
CBIZ Quarterly Manufacturing & Distribution “Hot Topics” Newsletter (Sep-Oct ...CBIZ, Inc.
This issue delivers links to key resources, NAM’s Manufacturers’ Q3 Outlook Survey and four articles on key industry topics — 3 Ways Manufacturers Can Bridge Talent Gaps & Improve Product; Is It Time to Consider Group Captive Insurance?; Equal or Equitable – The Family Business Owner’s Dilemma; and Special Purpose Acquisition Companies (aka SPACs) Are Really Hot!
IMAP Financial Services sector Leaders: Jonathan Dalton and Khelan Dattani share insights into the global Financial Services sector. They look at how and why the COVID pandemic affected certain geographies and subsectors more than others and the subsequent impact on deal volumes and valuations. They identify the key areas of growth and common trends driving activity across the globe and examine why the sector is becoming increasingly attractive to PE investors, pinpointing opportunities for buyers and sellers.
Emergence of ITOA: An Evolution in IT Monitoring and ManagementHCL Technologies
IT operations analytics(ITOA) plays key role by providing intelligence that makes business sense out of the real-time data being generated by infrastructure components and applications.
USING FACTORY DESIGN PATTERNS IN MAP REDUCE DESIGN FOR BIG DATA ANALYTICSHCL Technologies
Though insights from Big Data gives a breakthrough to make better business decision, it poses its own set of challenges. This paper addresses the gap of Variety problem and suggest a way to seamlessly handle data processing even if there is change in data type/processing algorithm. It explores the various map reduce design patterns and comes out with a unified working solution (library). The library has the potential to ‘adapt’ itself to any data processing need which can be achieved by Map Reduce saving lot of man hours and enforce good practices in code.
HCL HELPS A US BASED WIRELINE TELECOM OPERATOR FOR BETTER LEAD-TO-CASH AND TH...HCL Technologies
The client is a privately-held competitive local exchange carrier, offering voice services, phone services, internet access, etc. to business customers primarily in California and Nevada. HCL's engagement included managed services application portfolio, CRM implementation and reporting. The client achieved seamless transition within three months with 100% off-shore presence using HCL's transition methodology
HCL HELPS A LEADING US TELECOM PROTECT ITS MARKET SHARE AND MAINTAIN HIGH LEV...HCL Technologies
The customer is a worldwide player in Networking & Cloud automation, Workflow automation and sustenance engineering. HCL took complete ownership of the customer's engineering services and saved costs by minimizing material overhead in thermal projections.
HCL suggests solutions to reduce airborne noise being emitted by vacuum cleaners. It has been seen that blowers used in vacuum cleaners are the main source of airborne noise and blade wakes are unavoidable in turbo machines.Focus of this whitepaper is to understand how to reduce sound intensity of vacuum cleaners and studying its effects on human hearing. ERS division in HCL proposes the design of a spiral enclosure for the blower in the vacuum cleaner. HCL suggests solutions to reduce airborne noise being emitted by vacuum cleaners. ERS division in HCL proposes the design of a spiral enclosure for the blower in the vacuum cleaner.
Comply is an IoT enabled, Small Pill Box, with a digital display that keeps track of your medical dosage level as well as the remaining pills. Offload complex tasks by pairing the solution with a smartphone/tablet app or a wearable fitness monitor. The collated data is analyzed from individual Comply units and then sent to the cloud.
Smart City solution providers will face challenges in increasing network load due to the huge amounts of video data flowing through their networks. For cost-effective analytics, distributed architecture with user control is just the right solution required. In Smart Cities with varying applications of video analytics solutions in fields such as security systems, utilities operators, and emergency response systems, it gives users a simple way to pick the feed they would like, instrument the analysis they want, and report the way they require in a simple-configurable manner.
With the advent of IoT and connected devices, there is an urgent need for a security framework that addresses major security goals of embedded devices. Security has to be an exercise built into the product development process instead of adding as an add-on feature.
Connected cars are fast becoming a reality and has the potential to change the way businesses are run. A connected car facilitates devices inside the car to connect with the computing and application servers and use computing power to access real time information and data. Use cases are explained for Transportation, Healthcare and Education fields along with the business models.
A Sigh of Relief for Patients with Chronic DiseasesHCL Technologies
This paper presents a solution for remote health monitoring for chronic diseases like chronic diseases like diabetes, asthma, cardiac arrhythmia, sleep disorders, and hypertension. It commences with the definitions for a better understanding of the terms used, and then excavates into perceiving what technology-enabled care is.
A simple solution that can utilize data, tap into social sentiments and provide business value to mobile users is much desired. Social data can be tapped for both society and business, and everyone is looking for an application that can address both. This paper analyzes a working solution, its tenets and features, and also indulge in a bit of future gazing.
A Novel Design Approach for Electronic Equipment - FEA Based MethodologyHCL Technologies
This paper describes the design approach established to study and simulate the vibration behavior of electronic products and provide good correlation between test data and FE simulation through a well calibrated analytical model. This established and validated approach/methodology has been practically implemented in various real time projects for various HCL clients, thereby eliminating/minimizing the actual hardware testing and prototyping efforts resulting in a significant reduction in turnaround time, increased product cost savings and improved productivity.
Due to the phenomenal development of Networking technology, applications and other services, IP networks are preferred for communication, but are more vulnerable to attacks. To cope with the growing menace of security threats, security systems have to be made more intelligent and robust by introducing Intrusion Detection Systems (IDS) in the security layers of a network.
This white paper explores the role of IDS to detect attacks accurately at an early stage to minimize the impact.
Manufacturing though is increasingly being outsourced, developed countries like Germany are toying with the idea of digitizing the entire process to bring down costs and enhance efficiencies. Learn how Germany is doing it, through Industry 4.0.
The financial services industry has never had a better opportunity to embrace a customer-centric approach to doing business. Raising the bar for customer experience can create clear competitive advantages, and a responsive digital channel offering is essential. Here, insiders from the banking industry, the insurance sector and HCL Technologies’ customer experience management principal discuss the challenges of remaining agile in the digital space.
http://www.hcltech.com/financial-services/cxstudio
Digital Customer Care Solutions, Smart Customer Care Solutions, Next Gen Cust...HCL Technologies
Many banking and financial institutions do not want to embrace digital CRM thinking things have remained same for long and will stay so. Though some are willing, they are reluctant because of organizational flexibility. Experts at HCL tell how organizations can overcome this impediment with HCL’s solutions
The Internet of Things. Wharton Guest Lecture by Sandeep Kishore – Corporate ...HCL Technologies
Internet became mainstream around 20 years ago and the rapid pace of technology development we have seen over these years is fascinating. We are now looking at the biggest revolution ever, in the world of connectivity - Internet of Things (IoT). Everything we can think of around us - at home, work, in the car, or at a retail store -- will be interconnected, exchanging data and information, thus leading to an extremely intelligent network of things. It will lead to richer user experience, improved efficiencies and higher collaboration across the ecosystem. Exciting times await us...
Be Digital or Be Extinct. Wharton Guest Lecture by Sandeep Kishore – Corporat...HCL Technologies
The era of Digital Darwinism is upon us. Businesses have no choice but to adopt digital technologies or disappear. Traditional businesses which do not leverage digital technologies risk becoming irrelevant or losing business to native digital companies which understand technology better. The good news is that most companies realize the importance of digital. However, the not so good news is that many still approach digital as “nice” or “cool to have” rather than treating it as an important aspect for business. Digital is no longer good to have: either be digital or be extinct – there is simply no other option.
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
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.
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Bài tập - Tiếng anh 11 Global Success UNIT 1 - Bản HS.doc
HCLT Whitepaper: Insurance~ The market will contract not collapse
1. Insurance
The Market Will Contract, Not Collapse
The back story
Last July, I updated an earlier article for Communique on
trends in the US Insurance industry. Both articles looked
out over the next few years to see where the industry was
going, and how we might exploit those trends. Little did
anyone suspect what would take place in the intervening
months, and in what ways that would affect the year 2009.
If you will recall, we did anticipate that there would be
“some” financial unrest, but the fundamental picture was
one of critical change in the market place and a
corresponding change in IT support. Well, while much has
changed in the immediate environment, most of those
trends are still on course - albeit when they arrive is now
open to question.
2. The arrival of the “Perfect Storm” ? What's next….?
The insurance market will surely contract, but it will not
Okay, it has become a bit of a cliché as of late,
collapse. Consumers and companies will still require risk
but we did see something akin to that in the
management - albeit, the number of buyers are fewer.
last half of the year, and its repercussions will
Some of the now marginal mid-tier and small carriers may
continue to echo for some time to come.
be acquired, or simply fail. Prices will flatten, and rate
Property & Casualty companies faced a twin
increases will be needed to raise capital, but the size will be
problem through the first three quarters of the
restrained by the contracting economy. However, most
year. Rates for insurance coverage continued
insurance industry leaders think that we will be in that
to fall, albeit at a slowing pace, because
contraction through the first half of 2010. With that return
simply put, there was too much capital in the
to expansion, the industry will still be confronted with the
system. Indeed, net income had fallen by 57%
challenges/ opportunities discussed in my last two missives
for the first half alone, even though overall
- expanded demand for more sophisticated products and
revenue stayed essentially flat. Why?
the need for time-to-market agility while managing losses
Because, insurers sustained a $5.6 billion loss
and expenses.
in the first half; a $20 billion adverse swing
from the same period in '07. The main culprits This leaves the industry facing yet another set of
for the increased losses were hurricanes challenges. With revenue continuing to shrink as the
Gustave and Ike, and an extended and costly economy contracts, operating budgets will shrink
fire season on the US West Coast. Life, Health accordingly. Note though, a recent poll revealed that,
& Annuity companies were in a somewhat across all industries, CIOs expect IT budgets to remain at
different boat. Financial results were mixed - about 8% of that smaller revenue. However, because the
some companies saw rising market share and problem could be relatively short lived, the industry cannot
profits, while others declined. The problem afford to “turn turtle”. Rather, they need to maintain market
was that the market itself was not growing - share, do an even better job of managing expenses, and,
seemingly a bit stalled, possibly due to the most importantly, find ways to position themselves
financial stagnation and uncertainty in the operationally for the turnaround - when it comes.
economy. Still, the investment picture was not
too bad. For P&C companies, investment What we're seeing…..
income had dropped by only 1.4% in the first
The insurance business environment is a mixed bag at the
half - with realized capital losses coming in at
moment. Overall, the industry appears to be weathering
$1.1 billion, a $5.2 billion negative swing from
the storm. But, there will be some further deterioration of
the first half of '07. Life, Health & Annuity was
financial results before it all flattens out. There will be even
not much different. That is, until the bottom
further emphasis on expense management: higher bars set
fell out of the capital markets…. With AIG as
for RoI's; staff expense will be closely scrutinized; and
the exception, companies in both industry
operational budgets, including IT, will be flat at best and
segments were not heavily involved in
most likely see some reduction. We have already seen
subprime mortgages and credit default
some clients pull back on discretionary projects, focusing
swaps. So, for the most part, they have not
time and resources on mission-critical areas. Others are
experienced the disastrous drops in liquidity
consolidating vendors and looking for improved pricing or
that the capital markets and banks have seen.
value at the same time. These are defensive moves, and
But the economic uncertainty has affected
should be expected given the temperament of the times.
both segments in terms of steep declines in
However, we are also seeing a fair amount of strategic
investment returns - a key element in
planning taking place. Not many solid commitments on
profitability - and decreased business and
new major projects yet, but there is a lot of conversation
personal insurance buying.
about and interest in continuing to make critical changes.
Those changes include interest in replacing or enhancing
3. core systems; further automating distribution Acknowledgments
channels, particularly B-to- B, and B-to-C e-
To misquote Capitan Renault in the movie Casablanca - it's
business connectivity; improved data
time to “recognize the usual suspects”. I pulled the data on
management/ analytics. Better document
the state of the industry from a very wide swath of industry
management and mobile computing are areas
and financial news media - National Underwriter, WSJ, Risk
of continued interest from a planning and
and Insurance, to name just a few. The view on where we
“what's possible?” standpoint. “Green IT”
are going comes from many of those same sources, plus IT
translating into reduced energy costs should
industry media - and most importantly from numerous
rise higher in their collective radar - and that
colleagues and contacts throughout the industry. Finally, as
may open up Infra. Interest in BPM and BPO
always, my colleagues in the Insurance vertical are a
continues to increase - albeit tentatively so.
veritable fountain of industry information and insightful
wisdom.
And our opportunity is….
It seems clear now that 2009 will be a very
challenging year. On the one hand, the
continuing economic problems will negatively
impact carrier IT spend, certainly reducing
discretionary spend and likely putting some
mission-critical projects on hold. On the other
hand, they also recognize that they will need
to be poised to capitalize on the expanded
market before that turnaround takes place.
So, 2009 should largely be a holding action,
with strategic planning and preparation for the
follow-on expansion. This presents a
remarkable opportunity for HCL. While the
pain of low organic growth and increased
competition for existing business will make
our year difficult, the fact that carriers are
doing strategic planning plays to our
burgeoning strength. As our Insurance
practice grows more mature, we can position
ourselves to bring technical and domain
expertise, our think-global-act-local flexibility,
and our innovative engineering and deal-
making DNA to the table. This is not a time for
short-term sales thinking. It is a time to think
and act strategically for and with our clients.