Nationwide has grown from an automobile insurance company in 1926 to one of the world's largest diversified financial services organizations. The CEO highlights Nationwide's focus on serving customers through innovative products and services. Nationwide succeeds by creating new ways to help consumers achieve their financial goals while remaining committed to values of honesty and integrity. Nationwide extends its passion for serving consumers to improving the communities where it operates through philanthropic activities.
eFolder Lunch, Three Secrets to Pricing and Packaging Your BDR ServiceDropbox
The document discusses pricing and packaging strategies for backup and disaster recovery (BDR) services. It provides examples of bundled pricing models for BDR services with different server and storage capacities. It also discusses the benefits of simplifying and standardizing offerings through bundled pricing, while still meeting customer needs. Maintaining high profit margins is emphasized through strategies like understanding labor costs and avoiding overcommitting on pricing.
Horario Examenes Finales Educacion Ii Modulomarthcita
Este documento presenta el horario de las asignaturas de un módulo de formación de una escuela profesional de educación. Se detallan las asignaturas de 10 ciclos diferentes con sus horarios correspondientes a ser impartidos los días sábado y domingo de una semana en febrero.
Craigslist was founded in 1995 and has since expanded to over 450 cities in 50 countries. It is a classified advertising website that allows free listings for jobs, housing, and other items. While Craigslist generates revenue through these free listings, it also faces issues with scams on its site since it does not verify transactions. Some research has shown that Craigslist advertising can account for 40% of traffic to real estate listings and is a low-cost marketing option compared to traditional print ads.
Plants are living things that are not animals. They usually have roots, stems, leaves and flowers. However, some plants like ferns, mosses, conifers and fungi do not have some of these typical plant parts. Mosses have no real roots, stems or leaves and the whole plant can absorb water. Fungi are not green, have no stems, roots or leaves, and their main part is an underground network of threads that bring in food and water. Ferns have roots, underground stems and leaves and reproduce through spores. Conifers, also known as gymnosperms, are often evergreen and come in many shapes and sizes, some producing seeds inside cones.
Thompson Technologies is a veteran-owned IT staffing firm that has been in business since 1995. They specialize in contract, contract-to-hire, and direct hire placements of expert-level IT talent across various technologies and functions. They pride themselves on their thorough recruitment process, long-term relationships with consultants, and commitment to client and community service.
Nationwide Financial Services reported strong financial results in 2006. Net operating earnings increased 16% to $708 million, driven by a 3% increase in total revenues to $4.4 billion. Total assets grew 3% to $119.4 billion. The company achieved record net operating earnings, strong cash flows, and made progress on initiatives to strengthen the business. Variable annuity sales rebounded significantly from 2005. Overall, the company had an excellent year that met or exceeded its aggressive financial and operational goals.
eFolder Lunch, Three Secrets to Pricing and Packaging Your BDR ServiceDropbox
The document discusses pricing and packaging strategies for backup and disaster recovery (BDR) services. It provides examples of bundled pricing models for BDR services with different server and storage capacities. It also discusses the benefits of simplifying and standardizing offerings through bundled pricing, while still meeting customer needs. Maintaining high profit margins is emphasized through strategies like understanding labor costs and avoiding overcommitting on pricing.
Horario Examenes Finales Educacion Ii Modulomarthcita
Este documento presenta el horario de las asignaturas de un módulo de formación de una escuela profesional de educación. Se detallan las asignaturas de 10 ciclos diferentes con sus horarios correspondientes a ser impartidos los días sábado y domingo de una semana en febrero.
Craigslist was founded in 1995 and has since expanded to over 450 cities in 50 countries. It is a classified advertising website that allows free listings for jobs, housing, and other items. While Craigslist generates revenue through these free listings, it also faces issues with scams on its site since it does not verify transactions. Some research has shown that Craigslist advertising can account for 40% of traffic to real estate listings and is a low-cost marketing option compared to traditional print ads.
Plants are living things that are not animals. They usually have roots, stems, leaves and flowers. However, some plants like ferns, mosses, conifers and fungi do not have some of these typical plant parts. Mosses have no real roots, stems or leaves and the whole plant can absorb water. Fungi are not green, have no stems, roots or leaves, and their main part is an underground network of threads that bring in food and water. Ferns have roots, underground stems and leaves and reproduce through spores. Conifers, also known as gymnosperms, are often evergreen and come in many shapes and sizes, some producing seeds inside cones.
Thompson Technologies is a veteran-owned IT staffing firm that has been in business since 1995. They specialize in contract, contract-to-hire, and direct hire placements of expert-level IT talent across various technologies and functions. They pride themselves on their thorough recruitment process, long-term relationships with consultants, and commitment to client and community service.
Nationwide Financial Services reported strong financial results in 2006. Net operating earnings increased 16% to $708 million, driven by a 3% increase in total revenues to $4.4 billion. Total assets grew 3% to $119.4 billion. The company achieved record net operating earnings, strong cash flows, and made progress on initiatives to strengthen the business. Variable annuity sales rebounded significantly from 2005. Overall, the company had an excellent year that met or exceeded its aggressive financial and operational goals.
Nationwide is one of the largest insurance and financial services companies in the world, with more than $117 billion in assets. In 2002, Nationwide strengthened its financial foundation by improving statutory net income from a net loss of $295 million in 2001 to a net gain of $252 million in 2002. Nationwide focuses on serving customers, partners, and stakeholders by providing insurance, retirement, and investment products and services while maintaining financial strength and stability.
Riveron Consulting provides financial consulting services to help clients achieve successful business transactions from acquisition to divestiture. They work with private equity firms, public and private businesses, and lenders across industries. Unlike typical firms, Riveron consultants have extensive experience in both public accounting and industry roles. They deliver high-quality transaction services and special projects to maximize financial returns for clients.
CIA-Leavitt Insurance Agency provides insurance and risk management solutions to commercial groups, associations, and governmental entities. They are a full-service agency and member of the Leavitt Group, one of the largest insurance agencies in the US. CIA-Leavitt works as a business partner with clients to build lasting relationships and develop long-term solutions through consistent, quality service.
Tenura is a customer-centric, diversified real estate holding company that offers integrated real estate services including brokerage, title, mortgage banking, insurance, and home warranty. The company's vision is to revolutionize the real estate industry by bundling services to provide a superior customer experience and generate referrals, while also creating long-term value for shareholders and employee-owners.
This document is the 2006 annual report for Genworth Financial, Inc. It summarizes Genworth's performance in 2006, including generating over $1.3 billion in net income and a 15% increase in earnings per share. It discusses Genworth's core values and its strategy to evolve to meet changing consumer needs, such as becoming more consumer-focused, distributor-preferred, and leveraging its leadership in capital markets. The report outlines Genworth's goals to transform how it serves customers and partners to further its mission of helping people achieve their dreams.
This document is Genworth Financial's 2006 Annual Report. It discusses Genworth's four business segments: Protection, Retirement Income and Investments, Mortgage Insurance, and Corporate and Other. For each segment, it provides the net income and net operating income for 2006. The report was submitted to the SEC and includes Genworth's audited financial statements and information on its management, business, properties, legal proceedings, market performance, and financial results.
Credence was conceived to take advantage of an opportunity in financial services by tailoring recommendations and solutions to individual customer needs and wants. By providing top quality experts and latest technology, Credence aims to bring previously expensive services to a wider customer base. Credence also seeks to be engaging for all stakeholders by offering convincing knowledge and financial education to help customers achieve their goals, while aligning its own interests with customers to ensure long and productive relationships.
Rampver Financials is a financial services firm that provides risk management, money and asset management, and consulting services. They work with individuals on financial planning, insurance, education savings, and retirement, and assist institutions with employee benefits programs. Rampver has expertise in investment instruments, mutual funds, and insurance, and links to major players in the Philippine capital markets. They have a track record of providing training programs to leading corporations. Rampver takes a needs-based approach to determining ideal financial solutions for clients. Originally incorporated in 1993 as a trading company, Rampver repositioned itself in 1994 as a financial intermediary representing clients. They have established relationships with reputable principals and aim to professionalize and solutions
DreamGains Financials India Private Limited, a trusted name in the financial services arena, provides you with the entire gamut of financial advisory services under one roof. We provide recommendations for Stock Cash, Stock Futures, Nifty Futures, Commodities, F & O traded in NSE, providing our clients with vigorous and reliable solutions to satisfy all their financial needs. Whether you are a seasoned veteran or a stock market rookie, we are here to help.
There are certain market trends that are very simple in essence, but difficult to take advantage of, unless you know where to look and what to do.
People make the mistake of buying high and selling low all the times. The trick is to get a head of the curve.
Join the revolution and change the way you trade forever!!!
Cargile Investment Management is a financial advisory firm based in Midland, Texas that offers Wall Street-caliber services with a personal approach. They use their expertise to help clients navigate complex financial decisions and manage their wealth. Cargile provides comprehensive investment advice, financial planning, insurance advice, and other services to help clients achieve their long-term goals. As an independent firm, they make recommendations based on their in-house research and knowledge of financial markets while keeping clients' best interests in mind.
SKCG Group is one of the largest privately-held Risk Management and Insurance advisory firms in the US. For over 100 years, SKCG has provided comprehensive insurance coverage and retirement planning services to businesses and individuals. SKCG strives to offer unmatched personal service and customized solutions to help clients focus on their businesses and lives by managing risks, insurance needs, and employee benefits.
NFP International Insurance Solutions provides insurance solutions to protect the assets and wealth of international/multinational clients. They have experts in areas like wealth transfer, tax planning, and asset protection who can design customized strategies. Partnering with NFP allows advisors to enhance their services for multinational clients and address complex risks and planning needs across international borders. NFP has comprehensive resources and platforms to help advisors successfully serve their multinational clientele.
Foresight provides bespoke financial planning solutions tailored to each client. They take time to understand clients and manage their finances professionally on an ongoing basis. Foresight uses a rigorous 6-stage financial planning process called The Quantum Programme to develop clear, innovative solutions for clients. They ensure clients' financial plans are monitored regularly and updated to meet changing needs.
This document provides information about JoycePayne Partners, an independent financial planning and investment management firm. They aim to provide customized strategies and solutions to successful individuals, families, and institutions. Their mission is to deliver financial peace of mind through comprehensive financial planning, investment management, and other services. They take a holistic approach to understand each client's unique circumstances and goals.
This document provides information about JoycePayne Partners, an independent financial planning and investment management firm. The firm offers comprehensive financial planning and customized investment portfolios. JoycePayne Partners aims to serve as clients' personal chief financial officer by getting to know them well and their unique financial goals and challenges to provide individualized solutions. The firm focuses on building long-term relationships with clients and prioritizes trust, integrity, and acting as a fiduciary.
Highland Capital Brokerage specializes in life insurance and works with financial advisors to provide customized life insurance solutions. They have decades of experience and strong relationships with insurance companies. Their experts can help advisors with complex planning needs around wealth transfer, business succession, charitable planning, and more. Highland takes data security seriously and partners with industry leaders to securely manage client information and applications.
Credence was created to take advantage of opportunities in financial services by adapting solutions to individual client needs. The company aims to help clients grow their assets while providing advisors with satisfied customers. Through experienced professionals and advanced technology, Credence offers services previously only available to multi-million dollar clients to a wider range. The company strives to understand each client's financial needs and provide a knowledgeable framework to help them make investment decisions and achieve their goals, ensuring aligned interests between the company and its clients.
Vistra's new logo represents a unified vision and shared values across the company as it helps clients progress towards a better future. The arrow shape symbolizes Vistra's forward momentum while the transparent layers represent collaboration. Vistra assists clients in overcoming challenges of expanding globally such as navigating changing regulations. With deep industry knowledge and expertise in international jurisdictions, Vistra provides regulatory and compliance support to clients.
Lucas Fettes & Partners is an independently owned insurance brokerage and financial planning firm that offers tailored solutions to corporate and individual clients. They provide a range of services including commercial insurance, personal insurance, corporate and personal financial planning, and wholesale brokerage facilities. The firm prides itself on offering high-quality personalized service and building long-term relationships with clients.
Lucas Fettes & Partners - offering tailored solutions for corporate and perso...Lucas Fettes & Partners
Lucas Fettes & Partners is an independently owned insurance brokerage and financial planning firm that offers tailored solutions to corporate and individual clients. They provide a wide range of services including commercial insurance, personal insurance, corporate and personal financial planning, and wholesale brokerage facilities. The firm prides itself on offering high-quality personalized service and building long-term relationships with clients.
This document contains slides from an American Airlines presentation given by Gerard Arpey, Chairman & CEO. It discusses several topics:
1) Safe harbor statements noting forward-looking statements are subject to risk factors.
2) Rising oil prices, showing a graph of prices rising from $58 in 2007 to over $134 in mid-2008, offsetting the company's $6 billion in cost reductions.
3) New baggage and change fees announced to offset rising fuel costs, expected to generate several hundred million dollars.
This document contains a presentation by Beverly Goulet, Vice President of Corporate Development and Treasurer of an unnamed company, covering various topics:
1) It includes statements regarding forward-looking comments being subject to risk factors that could affect actual results.
2) Slide 3 discusses the company's fuel hedging for 3Q08 and full year 2008.
3) Slide 20 shows the company's net debt levels from 2002-2008, which have increased significantly.
The presentation provides an overview of the company's financial performance, fuel costs and hedging, debt levels, and other key metrics.
Nationwide is one of the largest insurance and financial services companies in the world, with more than $117 billion in assets. In 2002, Nationwide strengthened its financial foundation by improving statutory net income from a net loss of $295 million in 2001 to a net gain of $252 million in 2002. Nationwide focuses on serving customers, partners, and stakeholders by providing insurance, retirement, and investment products and services while maintaining financial strength and stability.
Riveron Consulting provides financial consulting services to help clients achieve successful business transactions from acquisition to divestiture. They work with private equity firms, public and private businesses, and lenders across industries. Unlike typical firms, Riveron consultants have extensive experience in both public accounting and industry roles. They deliver high-quality transaction services and special projects to maximize financial returns for clients.
CIA-Leavitt Insurance Agency provides insurance and risk management solutions to commercial groups, associations, and governmental entities. They are a full-service agency and member of the Leavitt Group, one of the largest insurance agencies in the US. CIA-Leavitt works as a business partner with clients to build lasting relationships and develop long-term solutions through consistent, quality service.
Tenura is a customer-centric, diversified real estate holding company that offers integrated real estate services including brokerage, title, mortgage banking, insurance, and home warranty. The company's vision is to revolutionize the real estate industry by bundling services to provide a superior customer experience and generate referrals, while also creating long-term value for shareholders and employee-owners.
This document is the 2006 annual report for Genworth Financial, Inc. It summarizes Genworth's performance in 2006, including generating over $1.3 billion in net income and a 15% increase in earnings per share. It discusses Genworth's core values and its strategy to evolve to meet changing consumer needs, such as becoming more consumer-focused, distributor-preferred, and leveraging its leadership in capital markets. The report outlines Genworth's goals to transform how it serves customers and partners to further its mission of helping people achieve their dreams.
This document is Genworth Financial's 2006 Annual Report. It discusses Genworth's four business segments: Protection, Retirement Income and Investments, Mortgage Insurance, and Corporate and Other. For each segment, it provides the net income and net operating income for 2006. The report was submitted to the SEC and includes Genworth's audited financial statements and information on its management, business, properties, legal proceedings, market performance, and financial results.
Credence was conceived to take advantage of an opportunity in financial services by tailoring recommendations and solutions to individual customer needs and wants. By providing top quality experts and latest technology, Credence aims to bring previously expensive services to a wider customer base. Credence also seeks to be engaging for all stakeholders by offering convincing knowledge and financial education to help customers achieve their goals, while aligning its own interests with customers to ensure long and productive relationships.
Rampver Financials is a financial services firm that provides risk management, money and asset management, and consulting services. They work with individuals on financial planning, insurance, education savings, and retirement, and assist institutions with employee benefits programs. Rampver has expertise in investment instruments, mutual funds, and insurance, and links to major players in the Philippine capital markets. They have a track record of providing training programs to leading corporations. Rampver takes a needs-based approach to determining ideal financial solutions for clients. Originally incorporated in 1993 as a trading company, Rampver repositioned itself in 1994 as a financial intermediary representing clients. They have established relationships with reputable principals and aim to professionalize and solutions
DreamGains Financials India Private Limited, a trusted name in the financial services arena, provides you with the entire gamut of financial advisory services under one roof. We provide recommendations for Stock Cash, Stock Futures, Nifty Futures, Commodities, F & O traded in NSE, providing our clients with vigorous and reliable solutions to satisfy all their financial needs. Whether you are a seasoned veteran or a stock market rookie, we are here to help.
There are certain market trends that are very simple in essence, but difficult to take advantage of, unless you know where to look and what to do.
People make the mistake of buying high and selling low all the times. The trick is to get a head of the curve.
Join the revolution and change the way you trade forever!!!
Cargile Investment Management is a financial advisory firm based in Midland, Texas that offers Wall Street-caliber services with a personal approach. They use their expertise to help clients navigate complex financial decisions and manage their wealth. Cargile provides comprehensive investment advice, financial planning, insurance advice, and other services to help clients achieve their long-term goals. As an independent firm, they make recommendations based on their in-house research and knowledge of financial markets while keeping clients' best interests in mind.
SKCG Group is one of the largest privately-held Risk Management and Insurance advisory firms in the US. For over 100 years, SKCG has provided comprehensive insurance coverage and retirement planning services to businesses and individuals. SKCG strives to offer unmatched personal service and customized solutions to help clients focus on their businesses and lives by managing risks, insurance needs, and employee benefits.
NFP International Insurance Solutions provides insurance solutions to protect the assets and wealth of international/multinational clients. They have experts in areas like wealth transfer, tax planning, and asset protection who can design customized strategies. Partnering with NFP allows advisors to enhance their services for multinational clients and address complex risks and planning needs across international borders. NFP has comprehensive resources and platforms to help advisors successfully serve their multinational clientele.
Foresight provides bespoke financial planning solutions tailored to each client. They take time to understand clients and manage their finances professionally on an ongoing basis. Foresight uses a rigorous 6-stage financial planning process called The Quantum Programme to develop clear, innovative solutions for clients. They ensure clients' financial plans are monitored regularly and updated to meet changing needs.
This document provides information about JoycePayne Partners, an independent financial planning and investment management firm. They aim to provide customized strategies and solutions to successful individuals, families, and institutions. Their mission is to deliver financial peace of mind through comprehensive financial planning, investment management, and other services. They take a holistic approach to understand each client's unique circumstances and goals.
This document provides information about JoycePayne Partners, an independent financial planning and investment management firm. The firm offers comprehensive financial planning and customized investment portfolios. JoycePayne Partners aims to serve as clients' personal chief financial officer by getting to know them well and their unique financial goals and challenges to provide individualized solutions. The firm focuses on building long-term relationships with clients and prioritizes trust, integrity, and acting as a fiduciary.
Highland Capital Brokerage specializes in life insurance and works with financial advisors to provide customized life insurance solutions. They have decades of experience and strong relationships with insurance companies. Their experts can help advisors with complex planning needs around wealth transfer, business succession, charitable planning, and more. Highland takes data security seriously and partners with industry leaders to securely manage client information and applications.
Credence was created to take advantage of opportunities in financial services by adapting solutions to individual client needs. The company aims to help clients grow their assets while providing advisors with satisfied customers. Through experienced professionals and advanced technology, Credence offers services previously only available to multi-million dollar clients to a wider range. The company strives to understand each client's financial needs and provide a knowledgeable framework to help them make investment decisions and achieve their goals, ensuring aligned interests between the company and its clients.
Vistra's new logo represents a unified vision and shared values across the company as it helps clients progress towards a better future. The arrow shape symbolizes Vistra's forward momentum while the transparent layers represent collaboration. Vistra assists clients in overcoming challenges of expanding globally such as navigating changing regulations. With deep industry knowledge and expertise in international jurisdictions, Vistra provides regulatory and compliance support to clients.
Lucas Fettes & Partners is an independently owned insurance brokerage and financial planning firm that offers tailored solutions to corporate and individual clients. They provide a range of services including commercial insurance, personal insurance, corporate and personal financial planning, and wholesale brokerage facilities. The firm prides itself on offering high-quality personalized service and building long-term relationships with clients.
Lucas Fettes & Partners - offering tailored solutions for corporate and perso...Lucas Fettes & Partners
Lucas Fettes & Partners is an independently owned insurance brokerage and financial planning firm that offers tailored solutions to corporate and individual clients. They provide a wide range of services including commercial insurance, personal insurance, corporate and personal financial planning, and wholesale brokerage facilities. The firm prides itself on offering high-quality personalized service and building long-term relationships with clients.
This document contains slides from an American Airlines presentation given by Gerard Arpey, Chairman & CEO. It discusses several topics:
1) Safe harbor statements noting forward-looking statements are subject to risk factors.
2) Rising oil prices, showing a graph of prices rising from $58 in 2007 to over $134 in mid-2008, offsetting the company's $6 billion in cost reductions.
3) New baggage and change fees announced to offset rising fuel costs, expected to generate several hundred million dollars.
This document contains a presentation by Beverly Goulet, Vice President of Corporate Development and Treasurer of an unnamed company, covering various topics:
1) It includes statements regarding forward-looking comments being subject to risk factors that could affect actual results.
2) Slide 3 discusses the company's fuel hedging for 3Q08 and full year 2008.
3) Slide 20 shows the company's net debt levels from 2002-2008, which have increased significantly.
The presentation provides an overview of the company's financial performance, fuel costs and hedging, debt levels, and other key metrics.
Credit Suisse Group Global Airline Conference Presentationfinance11
This document contains a presentation by Beverly Goulet, Vice President of Corporate Development and Treasurer of an unnamed company. The presentation includes slides on the company's 3Q08 results showing a net loss compared to earnings in the prior year. Additional slides provide details on oil prices, the company's hedging strategy, total debt levels, planned 2009 capacity reductions, new and modified fees, investments in the future, and alliances. The presentation contains forward-looking statements and refers readers to SEC filings and a webcast for further information.
- The document is a letter informing stockholders about AMR Corporation's 2004 Annual Meeting of Stockholders to be held on May 19, 2004 at the American Airlines Training & Conference Center in Fort Worth, Texas.
- Stockholders are invited to attend and vote on items of business including electing 12 directors, ratifying the selection of Ernst & Young LLP as independent auditors, and considering two stockholder proposals.
- Instructions are provided for stockholders on how to vote, including voting online, by telephone, or by returning a proxy card, and details on admission to the annual meeting by ticket.
The document is a notice from AMR Corporation inviting stockholders to attend its 2005 Annual Meeting of Stockholders on May 18, 2005 at 8:00am at the American Airlines Training & Conference Center in Fort Worth, Texas. It provides information on the items of business to be voted on, including the election of directors, ratification of auditors, and a stockholder proposal. Stockholders of record as of March 21, 2005 are entitled to vote. Admission to the meeting will require an admission ticket or proof of stock ownership.
The document is a notice from AMR Corporation inviting shareholders to attend its 2006 Annual Meeting of Stockholders on May 17, 2006. It provides information on voting procedures and requirements for attendance. Shareholders as of March 20, 2006 are entitled to vote. The meeting will be held at the American Airlines Training & Conference Center in Fort Worth, Texas, where admission will require a ticket or proof of stock ownership.
AMR 2006 Shareholders’ Meeting Voting Resultsfinance11
All 13 nominees for Director were elected at American Airlines' 2006 stockholders meeting on May 17, 2006. Over 93% of shares were voted, with 176 million shares represented. Ernst & Young was ratified as the independent auditor with over 99% of votes in favor. Proposals relating to term limits for outside directors, majority vote requirements, separation of CEO/Chairman roles, and cumulative voting all failed to pass, receiving only around 30% support or less.
The document is a letter inviting stockholders to attend AMR Corporation's annual meeting on May 16, 2007. It provides details on the meeting location, eligibility to vote, and how to submit a proxy vote by internet, phone, or mail. Stockholders are encouraged to vote as their input is important. Management will provide updates and answer questions at the meeting.
AMR 2007 Shareholders’ Meeting Voting Resultsfinance11
At the American Airlines 2007 stockholders meeting on May 16, 2007:
- All 12 nominees for the board of directors were elected, with over 90% of shares voted.
- Stockholders ratified the selection of Ernst & Young LLP as independent auditors for 2007 with over 98% of votes for.
- Stockholder proposals relating to cumulative voting, special shareholder meetings, performance based stock options, and advisory resolution to ratify executive compensation all failed to pass, receiving less than 55% of votes.
The document is a notice for the annual stockholder meeting of AMR Corporation to be held on May 21, 2008. It provides details on the meeting such as time, location, items of business to be addressed which include electing directors, ratifying auditors, and considering four stockholder proposals. It also covers eligibility to attend, requirements to vote, and quorum details. Stockholders are encouraged to vote by proxy in advance of the meeting.
AMR 2008 Shareholders’ Meeting Voting Resultsfinance11
1. All 13 nominees for Director were elected at the 2008 Stockholders Meeting with a minimum of 181,494,763 votes for.
2. The ratification of Ernst & Young LLP as independent auditors for 2008 was approved with 98.45% of votes for and 1.55% against.
3. A stockholder proposal relating to cumulative voting for election of directors was rejected with 30.80% of votes for and 69.20% against.
AMR Corporation had a very successful 1998 financially. The company reported record net earnings of $1.3 billion, a 33.4% increase over 1997. AMR's strong performance was driven by robust demand for air travel and lower fuel prices, enabling the airline businesses to increase revenues without significant fare discounting. AMR also made progress across its key strategic objectives - growing its airline networks, improving customer service, and expanding The Sabre Group's technology solutions business.
This document is the annual report for AMR Corporation for the year 2000. It discusses the company's improved financial performance for the year, including net earnings of $752 million compared to $543 million in 1999. It summarizes strategic initiatives undertaken in 2000 related to safety, service, product, technology, culture, and network - the six areas of the company's Airline Leadership Plan. These initiatives include fleet expansion, onboard comfort enhancements, technology investments, employee programs, and network growth through regional jets and international partnerships. The report also outlines major acquisitions announced in 2001 that will significantly expand American Airlines' fleet and network by acquiring assets from TWA, US Airways, and a stake in DC Air.
The document discusses the challenges American Airlines faced in 2001, including a slowing economy before September 11th and the devastating impacts of the terrorist attacks on September 11th and the loss of Flight 587 in November. It describes the cost-cutting measures American took, such as reducing capacity, retiring aircraft, cutting capital and operating expenses. It highlights that despite the difficulties, American completed the acquisition and integration of TWA and continued its More Room Throughout Coach campaign. The letter closes by stating that while 2001 brought great challenges, American's values and principles will guide it going forward.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
2. a message
from our CEO
Nationwide has come a long way since we first started doing business in 1926. As we’ve
grown from an automobile insurance company to one of the world’s largest diversified
financial services organizations, we’ve focused on one thing: providing the best possible
service to our customers.
Our On Your SideSM promise is our pledge to constantly serve the best interests of our many
stakeholders. And our talented associates are united in their passion to provide On Your Side
service every day.
In these changing times, we won’t accept the status quo. We succeed by creating new and
innovative ways to help consumers achieve their financial goals.
In addition, our focus on financial discipline enables us to grow profitably and allows us to
expand our ability to serve more and more people. Throughout our history, we’ve grown
while remaining true to our values of honesty and integrity, and our values will guide us
long into the future.
Our passion for serving consumers also extends to the communities where we live and
work. By going the extra mile for our customers and our communities, we make a difference
in the lives of others. That’s what our On Your Side promise is all about.
Jerry Jurgensen
3. Nationwide knows focusing on our customers’ needs will lead us to success. Because each
customer is different, we make our products and services available to them in person,
over the phone, toll-free at any hour of the day or night, and via the Internet.
helping consumers Nationwide’s success relies on us setting ourselves apart from Investors seeking a range of options in an uncertain market
achieve financial security our competitors. That means providing innovative products, can depend on the wide range of investment-management
services, tools and advice that enable our customers to make solutions from Nationwide’s global asset-management arm.
the right choices. Gartmore Group provides stable value and asset allocation
When disaster strikes, Nationwide People choose Nationwide because we keep our On Your Side
funds, top-tier portfolio managers and a global trading
promise. Whether it’s helping them protect their personal
can be counted on to fulfill our Our investment and life insurance products give customers platform.
property or helping them plan their long-term financial security,
On Your Side promise and to help the choices they need to plan for the future. We use state-of-
our customers count on us to be there for them.
the-art financial modeling tools so customers have the best We’re now here for customers wishing to secure mortgages
our customers rebuild and recover.
information as they make their financial decisions. or to refinance their homes. Nationwide Advantage Mortgage
Our goal is to do all the right things for customers so they can
Company approves loans in minutes, not days. Our agents
protect their biggest investments – their homes, businesses,
Retirement can be a scary word for millions of Americans. thoroughly explain home financing, and our Web site enables
automobiles, and their financial futures. We offer fast
That’s why customers rely on Nationwide to be their trusted customers to evaluate loan options while keeping paperwork
underwriting, superior claims management and competitive
partner on financial issues. We’re committed to helping them to a minimum.
rates. We also make our products and services available in a
invest for retirement, and Nationwide’s extensive network of
variety of ways, including online quick-quote capability for auto
investment professionals help their clients develop financial Looking out for the best interests of our customers is
and property insurance in both English and Spanish.
plans and recommend investment products. We also offer Nationwide’s top priority. Whether it’s helping protect
products that help customers better manage their assets what is dear to them or helping protect their financial future,
Keeping our promise is never more important than in times
during retirement. our customers can feel confident having our best service
following natural disasters. Responding when our customers
all the time.
need us most is when Nationwide shines brightest. Our claims
representatives go the extra mile so the lives of our customers are
restored quickly.
4. Nationwide’s service to the agricultural community
stretches back to 1909, when we began offering
serving America’s affordable fire insurance to Iowa’s farmers.
small businesses
growing our commitment
to agriculture
Small businesses are the backbone of America. They employ more than half of all
American workers and account for more than half of the country’s economic output.
They’re a part of the American dream, and that’s why Nationwide is committed to Nationwide was formed to meet the needs of farmers. Eight decades later, we still support the
helping them succeed. group we started out to serve.
Nationwide is one of Nationwide’s agricultural
We know every business is unique, which is why we take the time to analyze each We serve the needs of America’s farmers in many ways. As our customers’ businesses have grown
the largest providers service companies
business and develop a plan tailored to meet its specific situation. We understand that through the years, we’ve grown with them, broadening our product offerings to include a wide
owning a small business can be both rewarding and challenging. And we can help range of commercial property and liability coverages. We’ve also expanded our services with leading
of retirement plans combined are the largest
small-business owners meet the challenges and experience the rewards by offering loss-prevention programs and risk solutions, supported by an expert array of agronomists, engineers
for small businesses. insurer of farms in the
solutions that help them manage risk, provide employee benefits and reach their and registered nurses who can help our agricultural customers prevent costly losses.
financial goals. United States.
There are many steps between the field and the dinner table. Our On Your Side solutions make
Nationwide can help small-business owners build and maintain their businesses by managing the bottom line easier for many agribusinesses that transport, store, process, package,
offering an array of insurance coverages, investment products and retirement plans. and prepare farm products.
Also, Nationwide provides services that help businesses of all sizes manage the costs
We help agriculture thrive by working with farm bureaus and other leading agriculture organizations.
associated with employee absence, illness and injury.
These groups sponsor Nationwide and promote our products to their members. In return, we provide
Nationwide believes in building lifetime relationships, and small-business owners products and services that are specially designed with agricultural customers in mind. We help these
can depend on us. Nationwide helps small-business owners achieve their dreams by organizations promote and serve the industry through efforts such as legislative support and farm
helping them recover from the unexpected, manage risks and plan for their future. safety programs.
With our On Your Side promise helping them succeed, business owners can focus their Our agricultural heritage is an important part of who we are. Working with our agricultural customers
time and energy doing what’s most important to them – growing their businesses. and partners, we continue to seek new and better ways to serve America’s farming community.
5. Our relationships are based on honesty, collaboration
leading with and mutual benefit – another way we back up our
our talent On Your Side promise.
building relationships
with business partners
At Nationwide, we Trust, respect, honesty and integrity are much more than just words at Nationwide.
These – along with focusing on customers and valuing people – are our core values Nationwide’s ability to fulfill our On Your Side promise wouldn’t be possible without many of the
appreciate diverse and at the heart of who we are. business partners we count on to help us serve the financial needs of our customers.
viewpoints that lead
It’s living these values that makes Nationwide associates a family. And the values We believe the Nationwide way of doing business is important to our partners and consumers alike.
to innovative ideas for provide the cornerstone for our culture. Our values-based approach to business resonates with all our stakeholders, who know that our
relationships and decisions are guided by honesty, integrity and accountability.
serving our customers. We seek creativity and new ways of thinking, knowing these come from people in
all walks of life. We embrace inclusion because we understand that only through We’re fortunate to work with a wide range of partners – retirement plan sponsors from the
appreciating the richness of our diversity will we find the innovative ideas to set us private and public sectors, affinity groups through whom we market our products and services,
apart from our competition. and sponsor groups that include, among others, the National Association of Counties, the U.S.
Conference of Mayors and the many agricultural cooperatives whose relationships with us have
Working together across boundaries, we share a bias for action and a passion for steadily expanded since our founding.
results. And, we think it’s important to have fun along the way.
And every day we work with our own exclusive Nationwide agents and thousands of investment
Nationwide challenges associates to deliver our On Your Side promise to customers professionals, firms and independent agents to meet the diverse financial needs of America’s
and rewards that high performance. We strongly support individual development and consumers.
provide opportunities for associates to try different things, learn new skills and hone
their talents through their careers with us. Nationwide can be counted on to provide our best service all the time. That’s true for our millions
of customers, and it’s also true for our partners.
Our relationships are based on honesty, collaboration and mutual benefit – another way we back
up our On Your Side promise.
6. “Nationwide’s partnership with the Tom Joyner Foundation is an
example of giving back and providing work and life experiences
for students from historically Black colleges.”
improving lives Tom Joyner, The Tom Joyner Foundation
in our communities
looking out for future generations
Since 1990, the Nationwide Nationwide works every day to help people achieve financial security. And our
At Nationwide, we help customers protect their future, but we also know we need to help
Car seats save lives.
commitment to help goes well beyond what we do for our customers. Another
Foundation has donated more secure the future for generations to come. That’s why we’re so involved in safety programs,
important part of the On Your Side promise is our commitment to the communities Programs such as
than $100 million to non-profit why we offer internships, and why our associates mentor children in our local communities.
where our associates and agents live and work.
Corazón de mi Vida
organizations throughout the
Keeping America safe has long been a passion for Nationwide. We encourage consumers to
Since 1959, the Nationwide Foundation has distributed tens of millions of dollars educate parents about
United States. take an active role in their safety. Developing programs and engaging in partnerships with
in grants – including more than $100 million since 1990. The largest portion of
the right way to buckle safety advocates help us remind the public to drive safely and to take steps to protect their
grants has gone to organizations that provide health and human services, but the
up children. homes. These are important messages, and we’re committed to reaching out to consumers
Nationwide Foundation also supports educational, civic and cultural organizations.
“The generous and caring spirit of all ages.
But Nationwide’s contribution to the community goes well beyond its grants.
of Nationwide’s associates is
Throughout the year, associates enthusiastically donate their time and resources to We know helping students prepare for their careers helps them become successful
recognized and appreciated by We partner with many
organizations like United Way, American Red Cross, local schools and community adults. To give students a start on their future, we offer internship programs locally as
those who need help the most. organizations across the country. groups, including the well as through national programs such as The Tom Joyner Foundation and the Hispanic
Scholarship Fund.
At United Way, we look forward National Highway Traffic
The Nationwide Foundation provides grants to qualifying organizations where
to working with Nationwide for Safety Administration,
associates spend at least 25 hours as volunteers. Half of all Nationwide Foundation
Mentoring children is one of the most rewarding ways Nationwiders give back to their
gifts are directed by associates in the form of such grants, as well as dollar-for-dollar
many years to come.” Mothers Against Drunk communities. Through programs like Big Brothers Big Sisters, tutoring and adopt-a-school,
matches to the United Way and educational institutions.
our associates help children develop life skills that will help them succeed in whatever they
Driving and the National
Brian Gallagher want to do in life.
Additionally, Nationwide has invested more than $350 million to revitalize urban Latino Children’s
President and CEO neighborhoods and created programs that foster home ownership in these areas.
Institute. Protecting the future of our children is important. By keeping them safe and opening up
United Way of America new worlds for them to explore, we can help get them off on the right start.
We’re dedicated to improving the lives of all the people we serve, and we’re very
proud of our long-standing tradition of caring for our communities.
7. reaching out
to consumers and partners
Companies Products Distribution Channels
Life Insurance and Retirement Savings
Nationwide Variable and fixed annuities, life Financial planners, brokerages, financial institutions,
Financial insurance, private-sector retirement pension plan administrators, Nationwide Financial
plans, advisory services, immediate Network agents, exclusive Nationwide agents
annuities
Nationwide Public-sector retirement plans Direct sales
Retirement
Solutions
The 401(k) Company 401(k) retirement plans Direct sales
TBG Financial Deferred compensation plans, Direct sales
Companies Products Distribution Channels
corporate-owned life insurance
Property and Casualty
Nationwide Insurance for autos, motorcycles, boats Exclusive Nationwide agents, sponsor organizations,
Asset Management
Insurance and RVs; homes and businesses employers, banks, Internet
Gartmore Group Mutual funds, investment services for Financial planners, Internet
Allied Insurance Insurance for autos, homes, businesses Independent agents
individuals and institutions
and farms
Nationwide Insurance for farms and agribusinesses; Direct sales, exclusive Nationwide agents,
Other
Agribusiness loss-control services independent agents
Nationwide Mortgages, home equity lines of credit Internet, Nationwide exclusive agents, direct sales
Scottsdale Specialty insurance products for General agents
Advantage
Insurance businesses and individuals, commercial Mortgage
and excess liability coverage, pet Company
insurance GatesMcDonald Administrative services to help Direct sales
employers manage costs of absence,
Titan Insurance and Specialty auto insurance Exclusive Nationwide agents, independent agents
illness and injury
Victoria Insurance
Nationwide Individual and group health insurance, Exclusive Nationwide agents, brokers, sponsor
Health Plans health savings accounts, health organizations
reimbursement accounts, special risk
coverage
8. about Nationwide
Nationwide, a Fortune 500 company based in Columbus, Ohio,
is one of the largest insurance and financial services companies
in the world.
We serve consumers’ financial needs through three primary
businesses: domestic property and casualty insurance, life
insurance and retirement savings, and asset management.
We also are engaged in strategic investments.
Nationwide provides a full range of insurance and financial
services, including auto, homeowners and commercial insurance,
life insurance, annuities, retirement plans, mutual funds and
employer-related administrative services.
More than 30,000 Nationwide associates provide On Your Side
service to our customers every day.