Basic characteristics of the following marketing system used in life and health insurance: a. Agency building system b. Nonbuilding agency system c. Direct response system 1- Agency building system: This system involves hiring and training new agents that represent only the insurer. Sales can be expanded by hiring and training more new agents. There are 2 different kinds of systems: General agency system: the insurer hires a salesperson that has experiences and represents only the insurer
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Financial Ratio Analysis TABLE OF CONTENTS Executive Summary Introduction Liquidity i. ii. iii. Working Capital Current Ratio Current Cash Debt Coverage Ratio pg. 7 pg. 3 pg. 5 pg. 6 Asset Management i. ii. Inventory Turnover Days in Inventory iii. iv. Solvency i. ii. iii. iv. Accounts Receivable Turnover Receivable Collection Period pg. 9 Debt to Total Assets Ratio Cash Debt Coverage Ratio Times Interest Earned Ratio Free Cash Flow pg. 11 Profitability Ratios i. ii. iii. iv
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Determine two to three (2-3) methods of using stocks and options to create a risk-free hedge portfolio I found the research of this question to be extremely interesting. The simplest form of purchasing securities in order to reduce portfolio risk is hedging. These securities are intended to have negative correlation to the remainder of our portfolio so that it can help offset any other potential losses in our portfolio. We can hedge by buying a put option. We can buy stock with one put option with
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The Purpose of Work Measurement Method study is the principal technique for reducing the work involved‚ primarily by eliminating unnecessary movement on the part of material or operatives and by substituting good methods for poor ones. Work measurement is concerned with investigating‚ reducing and subsequently eliminating ineffective time‚ that is time during which no effective work is being performed‚ whatever the cause. Work measurement‚ as the name suggests‚ provides management with a means
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Utilitarianism is a consequentialist theory‚ which means that it judges the morality of an action based on the consequences that follow from it rather than on external moral duties. Philosophers who adhere to utilitarianism regard the maximisation of utility as the key determent for understanding whether an action is right or not . In this essay I will argue that the amount of utility produces by an action is not an ideal way of determining its morality. This will be done by firstly clarifying the
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Stockholder Ratios Stockholders are primarily interested in two things: (1) The creation of value‚ and (2) The distribution of value. Stockholder ratios such as earnings per share and return on common equity provide information about the creation of value for shareholders. The value is distributed to shareholders in one of two ways. Either the corporation issues dividends or repurchases stock. The remainder of the stockholder ratios—dividend yield‚ dividend payout‚ stock repurchase payout
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Starbucks Ratio Analysis 2. Market Capitalization = closing price * shares outstanding = 37.29 * 742.6 = 27691.55 3. A. P/E = Price per share / Earnings per share = 37.29 / 1.66 = 22.46 times B. Market-to-Book = Market price per share / Book value per share = Price per share / (Total shareholders’ equity / Shares outstanding) = 37.29 / (4384.9 / 742.6) = 6.32 times C. Enterprise value-to-EBITDA=
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RATIO ANALYSIS Meaning of Ratio:- A ratio is simple arithmetical expression of the relationship of one number to another. It may be defined as the indicated quotient of two mathematical expressions. According to Accountant’s Handbook by Wixon‚ Kell and Bedford‚ “a ratio is an expression of the quantitative relationship between two numbers”. Ratio Analysis:Ratio analysis is the process of determining and interpreting numerical relationship based on financial statements. It is the technique of
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compare of the current profitability‚ efficiency and financial stability of Premier Investments Ltd and David Jones Ltd over last 2 years. Methods of analysis include trend‚ horizontal and vertical analyses as well as ratios such as Gross Net profit margin‚ Inventory turnover and Current ratios. All calculations can be found in the appendices. Results of data analysed show that David Jones Ltd have better performance and is more stability than Premier Investments Ltd. In particular‚ Premier Investments
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Date of Experiment: Introduction Glucose-6-phosphase (G6Pase) is an enzyme presented in liver and used in the hydrolysis of glucose-6-phosphate (G6P). This catalyst the final step in glycogeneogeneis and glycogenolysis which is the key point of homeostatic regulating the blood glucose levels in our bodies. In the experiment‚ we will determine the activity of G6Pase. Frist‚ we will extract the G6Pase from pig liver sample. Then‚ we will assay for the liver G6Pase by
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