Financial Services

How Annuity Training And A Retirement Institute Certificate Can Advance Your Career

By Cory Bowman

As a financial advisor, you will come to find that your clients may be concerned with their retirement investment decisions. As the retirement industry is expected to grow exponentially over the next decade and as baby boomers plan to retire, it is a good idea for you to achieve retirement certification from a retirement institute, in addition to annuity training. Clients are worried about inflation, their pensions and tax benefits among other things.

Throughout their investing lives, your soon to be retiree clients have probably invested in hedge funds. What will drive hedge fund returns you may ask? The persistence of these funds is directly related to autocorrelated returns. Serial correlation, also known as the first-order autocorrelation, measures the extent to which the return in one period is related to the return in the next period. Unlike correlation coefficients, a serial correlation only has to do with a single asset category. Serial correlations range from a negative number to positive 1.00. Examples of different serial coefficients of asset categories are REITs = real estate (0.1), EAFE = foreign stocks (0.1), LCS = large cap stocks (0.0), SCS = small cap stocks (0.0), LTB = long-term U.S. Government bonds (-0.3), and MTB = med-term U.S. Government bonds (-0.1). There is virtually no relationship between returns of most assets from one year to the next, excluding T-bills with an example serial coefficient of 0.8.

[youtube]http://www.youtube.com/watch?v=traGKwKz93k[/youtube]

Another common investment for your clients to consider is bonds. The U.S. bond market is valued at roughly $30 trillion (2009); $82 trillion worldwide. The Barclays Aggregate Bond Index is comprised of more than 7,000 different bonds, many of which are so illiquid that fund managers cannot buy, even if they wanted to. In your annuity training, you will learn that R-squared reflects the percentage change of a funds fluctuation that can be explained by the change in its benchmark index. A fund that highly corresponds to its respective index has an R-squared in the high 80s or 90s. For the 10-year period ending September 2006, only two of 15 funds with 10-year R-squareds of 98 or higher outperformed the Barclays Aggregate Bond Index. Fund expenses prevented the other 13 possible funds from outperforming the index.

The advisor trained by a retirement institute who is seeking index-type returns for their retiree clients will have to either choose low expense funds or portfolios that have securities different than their respective indexspecifically, high-yield issues. Defaults on U.S. junk bonds for the 2006 calendar year were 1.3%, just under 1.0% for 2007, well below the historical average of 4.5%, as computed by S&P. In November 2009, the junk bond default rate peaked at an annualized rate of 14.5%. The actual default rate for all of 2009 was 13.7%; 151 issuers defaulted on a record $119 billion in bonds. Moodys expected the default rate to fall to 3.3% by the end of 2010. Surprisingly, for the first five months of 2010, the annualized rate was just 1%; nine issuer defaults, a cumulative total of $1.7 billion.

Planners who choose to attend a retirement institute will learn how to maximize their clients tax advantages of retirement savings, as well as other annuity options. In addition to basic annuity training and understanding, having a background in retirement planning will put you in ahead of other financial planners, as your vast skill set will be attractive to clients of all ages!

About the Author: Cory Bowman is Director of Ops at the Institute of Business Finance. IBF has helped thousands of members of the financial services industry attain designations. For more information about

annuity training

,

retirement institute

, visit http://www.icfs.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=692312&ca=Finances

Parents arrested after putting baby on Craigslist

Sunday, June 1, 2008

A couple from Vancouver, British Columbia, Canada has been arrested on charges of public mischief after listing their seven day old baby girl on the popular Internet classified ads website Craigslist.

The listing claimed that the baby was unexpected, “healthy and very cute”. It asked CAN 10 000 for the baby. It also listed a phone number belonging to a stolen cellphone, which was used to find the couple.

It was first noticed by a 62-year old grandmother browsing the website for furniture, who said “I was shaking, and I thought, ‘Come on, how did this even get through?'” The couple claimed that the listing, which has since been removed, was a hoax.

The father, Jeremy Pete, had a history of car thefts and evasion of police, while the mother, 23-year-old Bethany Granholm, had convictions of property theft, fraud and impersonation. The parents have now been released, but charges are still being considered. The baby has been placed in provincial care.

A suspected copycat incident occurred just four days later, also offering a seven-day-old baby girl for CAN 10 000 on Craigslist. This incident turned out to be a hoax, and no child was in danger.

Last week saw a similar incident in Germany, where a couple listed a seven month old baby on eBay. In this case the police have launched a child trafficking investigation, despite the parents’ assertion that the listing was a joke.

Athletes prepare for 2012 Summer Paralympics at the Paralympic Fitness Centre

Monday, August 27, 2012

London, England — As Paralympians ready for the Games which are set to open later this week, they have access to a world class fitness center inside the Paralympic Village which is designed to maximise their pre-Game preparations.

According to volunteers staffing the center, instead of being a single large room, as in Beijing, the building has numerous rooms. It, along with the adjacent Village Services Centre, is designed to be converted into a school after the games conclude. Rooms have been structured as a gym, an auditorium, and science laboratories.

Gym equipment is supplied by Technogym, an Italian firm that has supplied gym equipment for the Olympics since 2000. Equipment has been provided not just for for the Fitness Centre, but for gyms at all the Olympic venues. The newest equipment is oriented toward maximum flexibility, allowing athletes to exercise the particular muscles that they most require for their sport.

In addition to the equipment, the Fitness Centre also provides instructors trained in the use of the equipment, the likes of which athletes from many countries have never seen before. There are also a number of instructors available to provide motivational training.

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Retail

Tips On Marketing A Product With Video Online}

Tips on Marketing a Product with Video Online

by

SimonMSkinner

All the rage is marketing online with videos. Everyone and their brother are trying it out and many people are succeeding. However, there are a few things that you should try if you’re going to be successful. Let’s look at some tips that you should use if you’re going to market with video online.

[youtube]http://www.youtube.com/watch?v=o9zcs1dg8qo[/youtube]

– Decide what it is that you want to cover with your video. You don’t want to be all over the place with the message of your video. Decide what it is that you’re trying to accomplish and stick with that throughout the video. If you want someone to buy something, keep that your central purpose. If you want to give away a free report, make that your central purpose. If you want someone to opt-in to your ezine, then focus on that. The important thing is that you stick with a centralized message. You don’t want to sell them something, give them a free report , and get them to opt-in all in the same video. You can break those down into three different videos if you need to later.- Plan out your video ahead of time. Just like in movies, they practice the script a few times before they go into actually shooting the scene. You should do exactly the same thing. Write out a script or outline of what you want to say. Read through it a few times until you feel comfortable with it. Memorize it and talk like you’re not reading from a script. It will help you sound much more knowledgeable about your product or service. You don’t want it to look or feel like an infomercial with canned applause. Just run through everything a few times before you crank out the finished product. – Let someone else watch it before you upload it. Get your spouse’s or friend’s opinion before you put it out for the world to see. Sometimes they will catch something that you have missed. Don’t allow them to beat up your vision, but simply use them as a tool to catch obvious errors. The last thing you want to do is put out a video that looks rushed and under-prepared. – Upload your video to the major video sites like YouTUbe. You want to maximize your exposure with this video to as many people as possible. The more people that see it, the more likely you are to sell your products or services. Therefore, you need to get it in front of as many people as you can. Then sit back and let your video do the rest.- Continually promote your videos whenever possible. Embed links to them on your website or blog. Send links out in your emails. Post links in forums or discussion groups. You might even send people to them through pay-per-click advertising. Remember that if no one sees the videos, they can’t do you any good. Keep these tips in mind before you get started with your own videos. Remember that you can succeed with video advertising. The important thing is that you actually get started. After that, you’ll figure it out as you go.This free video online article is brought to you by http://www.mehype.com

Mehype.com offer general internet users the chance to create videos for corporations looking to promote their products, services or brand. When people view these videos the producers (and the companies that are being promoted) earn money. Mehype is the creation of a virtual sales force to spread viral brand advocacy through creative video content. Visit www.mehype.com for all of your

online video marketing

needs.

Article Source:

Tips on Marketing a Product with Video Online}

Japan earthquake death toll estimated at over 10,000

Tuesday, March 15, 2011

The official death toll from the devastating Japanese earthquake that hit on Friday is now nearing 1,900, while police officials say that it is all but certain the final toll will be at least 10,000 people dead.

Bodies are still being recovered—2,000 thus far in the Miyagi Prefecture alone. The official count of those missing has now reached 2,300, though in one town alone, an estimated half of the 17,000 person population is still unaccounted for. Approximately 350,000 people have been left without homes; shelters are providing housing for the moment.

Due to infrastructure damage, survivors in the hard-hit northeast coast of Japan are coping with limited resources, including food, water and electricity. In the Iwate Prefecture, a government official stated that the incoming goods from relief efforts are only about ten percent of what is necessary.

At the Fukushima I Nuclear Power Plant, a second explosion occurred on Monday at the building housing Reactor 3, following an explosion Saturday at the Reactor 1 building. Reactor 2 was also reported to have difficulties with its cooling system.

Several dead in Oregon college shootings

Sunday, October 4, 2015

Nine people were killed on Thursday by 26-year-old Chris Harper Mercer on the campus of Umpqua Community College in Roseburg, Oregon. By various reports seven or nine people were also injured. Officials said Mercer killed himself during the subsequent shootout with police.

Mercer began the killing spree in a class where he was a student by shooting the class teacher, and killed eight students in that and at least one other classroom. In the next classroom, a student nurse unsuccessfully tried to save the life of her friend who was wounded by the gunman. Another student, ex-soldier Chris Mintz, was shot seven times after coming to help.

The reasons for the attack are not known but CNN reports he singled out people who identified themselves as Christian. The BBC noted Mercer may have revealed his plans via social media and possibly left a written statement. He briefly served in the US Army in 2008.

An ATF (Bureau of Alcohol, Tobacco, Firearms and Explosives) agent said authorities found six weapons at the college and a further seven weapons from the gunman’s home, including a shotgun, all of which appear to have been obtained lawfully by Mercer and members of his family. State laws permit people to carry concealed weapons in higher education institutions and at least one other person at the college was armed. Oregon recently passed a new gun law in response to a shooting incident in 2012, in which a man used a stolen rifle to murder two other people in a Portland shopping center.

Somehow this has become routine. The reporting is routine. My response here at this podium ends up being routine, the conversation in the aftermath of it

Later on Thursday, President Barack Obama spoke for twelve minutes about the incident and called for stricter gun controls in line with other countries like Australia and the United Kingdom. Referring to earlier similar shootings, he said “Somehow this has become routine. The reporting is routine. My response here at this podium ends up being routine, the conversation in the aftermath of it. We have become numb to this”. This is reportedly the fifteenth occasion Obama has spoken out after such a killing spree. He expressed his belief that there would soon be a “press release” from the pro-gun lobby, who would call for a reduction of gun controls. He also predicted there would be criticism levelled at him about his politicization of the matter, but he said “this is something we should politicize.” Although no new initiative was outlined, Obama highlighted Congressional opposition which had stopped “the collection of data on shooting incidents” and stated “this is not something I can do myself.”

Public Relations

Debt Recovery Its Meaning And Significance

By Raina Sabharwal

A debt settlement or debt recovery, usually takes place when a debtor is unable to pay the debt and the attempts of the creditor to take back his money have failed. This process where the creditor cancels a part of the debt and agrees to accept the remaining is also called debt negotiation. There is some difference between debt settlement and debt negotiation. The settlement is an agreement and the negotiation is the process employed for the same. The consumers either approach a debt settlement company or approach their own creditors before this. They also take debt counseling conducted by experts in which they negotiate with the creditors to settle the debt for a lower amount than owed, as the debtor saves their money for a lump-sum settlement payment. In this process the debtor receives a letter from the creditor stating that the debt obligation is fulfilled.

Debt settlement programs are also provided by third party debt resolution firms who coordinate the payment plans, and then collaborate on behalf of the consumers. These programs lower the monthly payment contributions to a minimum and get consumers debt free in a short span of time.

There are various types of debts that are eligible for debt settlement. Usually, only unsecured debts like the credit cards and medical claims can be fixed for payment. Home and car loans which are secured debts cannot be settled for payment because the creditor can recover the items bought with the credit issued to the borrower. If the debtor chooses to enter in a debt settlement program, then some companies accept smaller debt loans. The debtor’s primary motivation for the enrollment in such a program is to pay off the debts according to the debtor’s financial capability. On the other hand the motivation of the creditor is to get back his funds, which would be impossible if the debtor filed for bankruptcy. In this the creditor usually gets more funds as compared to the normal process.

The process of debt recovery is a very demanding task for the debtor because agencies are repeatedly contacting them to accumulate money owed on bills, loans and other balances. In this the collector may choose to pursue the funds through phone, mail, fax, in person or telegram.

Reputable agencies employ numerous resources for tracing debtors. They have an access to many public databases which help to trace the debtor’s recent activities. They hire professionals who investigate into the affairs of the debtor.

[youtube]http://www.youtube.com/watch?v=xuRAcDqfDj0[/youtube]

There are basically five main objections for debt settlement. They are as follows:

Damages credit

The method of negotiating and reaching debt settlements with creditors requires the debtor to set aside money into a settlement fund from which settlements are paid. Due to the debtor’s financial hardship, the debtor is unable to make minimum payments towards credit card debts while saving up and setting aside money to payoff settlements.

Increased collection calls

The failure to continue the planned debt repayment results in increased debt collection activities that cause the debtor undue stress.

Possibility of lawsuits

The fright of lawsuits is also an objection to debt settlement.

Tax consequences

Another common objection to debt settlement is that debtors whose debts are partially canceled outside the bankruptcy system will need to report the canceled portion of the debt as taxable income.

Debt settlement trade associations are also being set up to promote the state governments as many state legislatures are passing laws that restrict out-of-state companies from providing debt negotiation services to in-state residents. Two examples of these associations working at the global level are the United States Organization for Bankruptcy Alternatives (USOBA) and The Association of Settlement Companies (TASC).

About the Author: Research Counsel, Mindsprings Solutions (India) Pvt. Ltd. is a legal process outsourcing company providing legal assistance lawyers, law firms and similar organisations. mindsprings.net/lpo-legalprocessoutsourcing.blogspot.com

Source: isnare.com

Permanent Link: isnare.com/?aid=202511&ca=Legal

Grand National winning horse ‘Comply or Die’ dies, aged 17

Wednesday, May 11, 2016

Comply or Die, the racehorse who won the 2008 Grand National has died at the age of 17. His death was announced by his former trainer, David Pipe. He died over at the weekend in Gloucestershire, where he had been staying with jockey Timmy Murphy. He was cremated on Monday and his ashes will return to Murphy.

Murphy was the jockey in the saddle when Comply or Die won the 2008 Grand National. Speaking to the Press Association, he spoke about the horse’s death. He said, “He was part of the furniture at home so it’s very sad. He gave me the greatest day of my career, obviously that can never be taken away. He paraded at Cheltenham and Aintree and was getting ready to do some dressage in the summer. I’m not actually sure how he died, to be honest, but it wasn’t nice to come home to. He was cremated on Monday. He was a happy horse and he was also very clever.”

During his racing career he made £798,809 in prize-money after winning a total of eight races.

The 2008 Grand National victory was his greatest achievement and he almost matched it when he came second place in 2009. He retired in 2011 but remained active, often being paraded at race grounds such as Aintree and Cheltenham. He also participated in some hunting activities. Pipe said, “Since his retirement he had been a lead-horse at Timmy Murphy’s establishment before trying his hand at dressage, a discipline in which he had proven very successful”.

Tributes have been paid to Comply or Die on social media by horse racing fans with several tweeting their appreciation and memories.