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办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
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Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
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办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
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Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
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Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
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Joanna Elson CBE, Chief Executive Officer, Independent Age
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Steve Groves, Chair, Key Retirement Group
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The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
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Monthly Market Risk Update: June 2024 [SlideShare]Commonwealth
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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Personal Accident and Health Insurance Market in Malaysia to 2017
1. Personal Accident and Health Insurance in Malaysia, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Malaysian personal accident
and health insurance segment, including:
The Malaysian personal accident and health insurance segments growth prospects by insurance categories
Key trends and drivers for the personal accident and health insurance segment The various distribution
channels in the Malaysian personal accident and health insurance segment The detailed competitive landscape
in the personal accident and health insurance segment in Malaysia The detailed regulatory framework of the
Malaysian insurance industry A description of the personal accident and health reinsurance segment in
Malaysia Porter's Five Forces Analysis of the personal accident and health insurance segment
Summary
The Malaysian personal accident and health insurance segment accounted for a 5.4% share of the insurance
industrys written premiums in 2012, the lowest share of all the segments. Rising levels of healthcare
expenditure, increasing employment rates and industrial growth drove growth in the segment during the
review period (20082012). The value of the segment increased from MYR1.4 billion (US$0.41 billion) in
2008 to MYR2.0 billion (US$0.66 billion) in 2012, at a compound annual growth rate (CAGR) of 10.1%. The
Malaysian healthcare system comprises public and private healthcare services and the aging population is
expected to drive the segment over the forecast period, due to an increase in demand for cover.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in
Malaysia:
It provides historical values for Malaysia's personal accident and health insurance segment for the reports
20082012 review period, and forecast figures for the 20122017 forecast period It offers a detailed analysis of
the key categories in Malaysia's personal accident and health insurance segment, along with market forecasts
until 2017 It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio,
commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and
retentions It analyses the various distribution channels for personal accident and health insurance products in
Malaysia Using Porters industry-standard Five Forces analysis, it details the competitive landscape in
Malaysia for the personal accident and health insurance segment It provides a detailed analysis of the
reinsurance segment in Malaysia and its growth prospects It profiles the top personal accident and health
insurance companies in Malaysia and outlines the key regulations affecting them
Reasons To Buy
Make strategic business decisions using in depth historic and forecast market data related to the Malaysian
personal accident and health insurance segment and each category within it Understand the demand-side
dynamics, key market trends and growth opportunities within the Malaysian personal accident and health
insurance segment Assess the competitive dynamics in the personal accident and health insurance segment,
along with the reinsurance segment Identify the growth opportunities and market dynamics within key product
categories Gain insights into key regulations governing the Malaysian insurance segment and its impact on
Personal Accident and Health Insurance in Malaysia, Key Trends and Opportunities to 2017
2. companies and the market's future
Key Highlights
The personal accident and health segment accounted for 5.4% of the industrys written premium in 2012, and
recorded a review-period CAGR of 10.1% Rising consumer healthcare expenditure and limitations of public
healthcare system will provide new areas of growth Malaysias stable macroeconomic environment is
expected to drive growth in the personal accident and health segment over the forecast period The insurance
industry of Malaysia is supervised and regulated by the Central Bank of Malaysia (BNM), under the
supervision of the Ministry of Finance and according to the rules and regulations stipulated in the Insurance
Act 1996 The personal accident and health segment is moderately concentrated, with the 10 leading insurers
collectively accounting for 66.3% of premiums in 2012
table Of Content
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Malaysian Insurance Industry Attractiveness
3.1 Insurance Industry Size, 2008-2017
3.2 Key Industry Trends And Drivers
3.2.1 Business Drivers
3.2.2 Consumer Drivers
4 Personal Accident And Health Insurance Segment Outlook
4.1 Personal Accident And Health Insurance Growth Prospects By Category
4.1.1 Personal Accident
4.1.2 Travel Insurance
4.1.3 Health Insurance
5 Analysis By Distribution Channels
5.1 Direct Marketing
5.2 Bancassurance
5.3 Agencies
5.4 E-commerce
5.5 Brokers
Personal Accident and Health Insurance in Malaysia, Key Trends and Opportunities to 2017
3. 5.6 Other Channels
6 Porter's Five Forces Analysis - Malaysian Personal Accident And Health Insurance
6.1 Bargaining Power Of Supplier: Low
6.2 Bargaining Power Of Buyer: Low To Medium
6.3 Barriers To Entry: Low
6.4 Intensity Of Rivalry: Medium To High
6.5 Threat Of Substitutes: Low
7 Reinsurance Growth Dynamics And Challenges
7.1 Reinsurance Segment Size, 2008-2017
7.2 Reinsurance Segment Size By Type Of Insurance, 2008-2017
8 Governance, Risk And Compliance
8.1 Legislation Overview And Historical Evolution
8.2 Regulations By Type Of Insurance
8.2.1 Life Insurance Regulations
8.2.2 Property Insurance Regulations
8.2.3 Motor Insurance Regulations
8.2.4 Marine, Aviation And Transit Insurance Regulations
8.2.5 Personal Accident And Health Insurance Regulations
8.3 Compulsory Insurance
8.3.1 Motor Third-party Liability Insurance
8.3.2 Workmen's Compensation Insurance
8.3.3 Travel Insurance
8.3.4 Insurance Against Liability For Pollution
8.4 Supervision And Control
8.4.1 International Association Of Insurance Supervisors
8.4.2 Central Bank Of Malaysia Or Bank Negara Malaysia (bnm)
8.5 Non-admitted Insurance Regulations
8.5.1 Overview
8.5.2 Intermediaries
8.5.3 Market Practices
8.5.4 Fines And Penalties
8.6 Company Registration And Operations
8.6.1 Types Of Insurance Organization
8.6.2 Establishing A Local Company
8.6.3 Foreign Ownership
8.6.4 Types Of License
8.6.5 Capital Requirements
Personal Accident and Health Insurance in Malaysia, Key Trends and Opportunities to 2017
4. 8.6.6 Solvency Margins
8.6.7 Reserve Requirements
8.6.8 Investment Regulations
8.6.9 Statutory Return Requirements
8.6.10 Fee Structure
8.7 Taxation
8.7.1 Insurance Premium Or Policy Taxation
8.7.2 Corporate Tax
8.7.3 Vat
8.7.4 Captives
8.8 Legal System
8.8.1 Introduction
8.8.2 Access To Court
8.8.3 Alternative Dispute Resolution (adr)
9 Competitive Landscape And Strategic Insights
9.1 Overview
9.2 Leading Companies In The Malaysian Personal Accident And Health Segment
9.3 Comparison Of Top-five Insurers
9.3.1 Gross Written Premium
9.3.2 Net Earned Premiums
9.3.3 Gross Claims
9.3.4 Paid Claims
9.4 American International Assurance Bhd - Company Overview
9.4.1 American International Assurance Bhd - Key Facts
9.4.2 American International Assurance Bhd ? Key Financials
9.5 Msig Insurance (malaysia) Bhd - Company Overview
9.5.1 Msig Insurance (malaysia) Bhd - Key Facts
9.5.2 Msig Insurance (malaysia) Bhd - Key Financials
9.6 Chartis Malaysia Insurance Bhd - Company Overview
9.6.1 Chartis Malaysia Insurance Bhd - Key Facts
9.6.2 Chartis Malaysia Insurance Bhd - Key Financials
9.7 Zurich Insurance Malaysia Bhd - Company Overview
9.7.1 Zurich Insurance Malaysia Bhd - Key Facts
9.7.2 Zurich Insurance Malaysia Bhd ? Key Financials
9.8 Allianz General Insurance Company (malaysia) Bhd - Company Overview
9.8.1 Allianz General Insurance Company (malaysia) Bhd - Key Facts
9.8.2 Allianz General Insurance Company (malaysia) Bhd - Key Financials
9.9 Kurnia Insurans (malaysia) Bhd - Company Overview
9.9.1 Kurnia Insurans (malaysia) Bhd - Key Facts
9.9.2 Kurnia Insurans (malaysia) Bhd - Key Financials
9.1 Multi-purpose Insurans Bhd - Company Overview
Personal Accident and Health Insurance in Malaysia, Key Trends and Opportunities to 2017
5. 9.10.1 Multi-purpose Insurans Bhd - Key Facts
9.10.2 Multi-purpose Insurans Bhd - Key Financials
9.11 Axa Affin General Insurance Bhd - Company Overview
9.11.1 Axa Affin General Insurance Bhd- Key Facts
9.11.2 Axa Affin General Insurance Bhd- Key Financials
9.12 Ace Group - Company Overview
9.12.1 Ace Group - Key Facts
9.12.2 Ace Group - Key Financials
9.13 Tokio Marine Life Insurance Malaysia Bhd - Company Overview
9.13.1 Tokio Marine Life Insurance Malaysia Bhd - Key Facts
9.13.2 Tokio Marine Life Insurance Malaysia Bhd ? Key Financials
10 Business Environment And Country Risk
10.1 Business Confidence
10.1.1 Market Capitalization Trend - Bursa Malaysia, Malaysia
10.2 Economic Performance
10.2.1 Net Foreign Direct Investment
10.2.2 Gdp At Constant Prices (us$)
10.2.3 Gdp Per Capita At Constant Prices (us Dollar)
10.2.4 Gdp At Current Prices (us Dollar)
10.2.5 Gdp Per Capita At Current Prices (us Dollar)
10.2.6 Gdp By Key Segments
10.2.7 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us Dollar)
10.2.8 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices As A Percentage Of Gdp
10.2.9 Manufacturing Net Output At Current Prices (us$)
10.2.10 Manufacturing Net Output At Current Prices As A Percentage Of Gdp
10.2.11 Mining, Manufacturing And Utilities At Current Prices (us$)
10.2.12 Mining, Manufacturing And Utilities At Current Prices As Percentage Of Gdp
10.2.13 Construction Net Output At Current Prices (us$)
10.2.14 Construction Net Output At Current Prices As A Percentage Of Gdp
10.2.15 Inflation Rate
10.2.16 Current Account Balance As A Percentage Of Gdp
10.2.17 Exports As A Percentage Of Gdp
10.2.18 Imports As A Percentage Of Gdp
10.2.19 Exports Growth
10.2.20 Imports Growth
10.2.21 External Debt As A Percentage Of Gdp
10.2.22 Annual Average Exchange Rate Us$-myr
10.2.23 International Tourist Receipts
10.2.24 Total Length Of Roads And Railways
10.3 Infrastructure Quality And Availability
10.3.1 Commercial Vehicles Imports Total Value
Personal Accident and Health Insurance in Malaysia, Key Trends and Opportunities to 2017
6. 10.3.2 Commercial Vehicles Exports Total Value
10.3.3 Automotive Exports Total Value
10.3.4 Automotive Imports Total Value
10.3.5 Life Expectancy
10.3.6 Total Internet Subscribers
10.4 Labor Force
10.4.1 Labor Force
10.4.2 Unemployment Rate
10.5 Demographics
10.5.1 Household Consumption Expenditure (us$)
10.5.2 Gross National Disposable Income
10.5.3 Total Population
10.5.4 Urban And Rural Populations
10.5.5 Female Percentage Of The Population
10.5.6 Male Percentage Of The Population
10.5.7 Median Age Of The Population
10.5.8 Age Distribution Of The Total Population
10.5.9 Number Of Households
11 Appendix
11.1 Methodology
11.2 Contact Timetric
11.3 About Timetric
11.4 Timetric's Services
11.5 Disclaimer
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Personal Accident and Health Insurance in Malaysia, Key Trends and Opportunities to 2017