|
|
|
 Free Download Changes in the Life Insurance Industry: Efficiency, Technology and Risk Management By Anthony M. Santomero (auth.), J. David Cummins, Anthony M. Santomero (eds.) 1999 | 369 Pages | ISBN: 1461372933 | PDF | 15 MB Major challenges for life insurance companies have been posed by an unprecedented wave of mergers and acquisitions in the insurance industry and the emergence of non-traditional competitors such as banks, mutual fund companies and investment advisory firms. This is the first book to analyze the determinants of firm performance in the life insurance industry by identifying the `best practices' employed by leading insurers to succeed in this dynamic business environment. The book draws upon data from insurer financial statements as well as upon an extensive survey of life insurer management practices and strategic choices in distribution systems, information technology, mergers and acquisitions, human resources and financial strategies. Generic strategies such as cost leadership, customer focus, and product differentiation are analyzed as well as strategic practices specific to the insurance industry. Best practices are identified by measuring the economic efficiency of insurers and by comparing firms across the industry. Both cost and revenue efficiency are measured relative to best practice efficient frontiers consisting of the industry's dominant life insurance firms. Economies of scale and the effects of mergers and acquisitions on efficiency are also analyzed. Financial strategies are examined with specific reference to pricing policy, valuation of assets and liabilities, and the current state of firm-level risk management systems. The benchmarks established are the result of extensive fieldwork that identifies key financial risks and methodologies to both measure and manage them at the firm level. The results discussed in the book indicate that firm performance is significantly correlated with management practices and strategic choices. Thus, life insurers can improve profitability by adopting optimal combinations of strategies. The book contains important new material on the effects of strategic choices in product distribution systems, information technology, mergers and acquisitions, human resources, and financial risk management policies. In the area of efficiency, the methodology provides a new approach for identifying peer groups of insurers and measuring the performance of individual insurers relative to their peer group. On the topics of risk and pricing, new insights are offered relative to current methodologies and in regard to areas where improvement is clearly warranted. The book concludes with an analysis of the future opportunities and challenges in the life insurance industry facing managers, and the strategic options available to them to cope with these changes.  Free Download Madonna Harrington Meyer, "Care Work" English | 2000 | pages: 361 | ISBN: 0415925428 | PDF | 2,2 mb Care Work is a collection of original essays on the complexities of providing care. These essays emphasize how social policies intersect with gender, race, and class to alternately compel women to perform care work and to constrain their ability to do so. Leading international scholars from a range of disciplines provide a groundbreaking analysis of the work of caring in the context of the family, the market, and the welfare state.  Free Download Kate Hamblin, "Care Technologies for Ageing Societies: An International Comparison " English | ISBN: 1447364805 | 2023 | 174 pages | PDF | 9 MB EPDF and EPUB available Open Access under CC-BY-NC-ND licence.  Free Download Forrest Capie, "Capital Controls: A Cure Worse Than the Problem?" English | 2002 | pages: 117 | ISBN: 0255365063 | PDF | 0,3 mb Free capital movements played an important part in the economic integration and globalisation of the nineteenth century. By the end of the century capital flows were on a remarkable scale. The modern use of capital controls dates back to the 1930s. Professor Capie analyses historical experience with capital controls, in Britain and elsewhere, and reviews the theory. He concludes that such controls are damaging and that there is no case for reviving them, as some economists have suggested and as anti-globalisers would wish. Capital mobility improves the worldwide allocation of resources, channelling resources to their most productive uses. Controls on capital movements result in dead weight losses and bureaucratic costs. They are difficult to remove and they damage the credibility of the government's commitment to a market economy.  Free Download Canadian Business Law Today, 2nd Edition by Breen English | 2022 | ISBN: 1260881407 | 604 pages | MOBI | 4.57 Mb Canadian Business Law Today, Second Edition, is an exciting, updated and long-awaited ground up product specifically designed for one semester courses, or for instructors that want concise business law coverage. This concise coverage aims to expose students to the areas of law that are commonly encountered, for not just business graduates but everyone as they negotiate their way through everyday life. Fundamental topics of Canadian business law such as the court and legal system, tort law, contract law, employment law, property law, and business organization are introduced and discussed. With an emphasis on active learning to engage students in the 21st century, Canadian Business Law Today contains current Canadian examples, legal scenarios, and case studies, along with comprehensive instructor resources to suit a variety of teaching and learning styles. An accessible writing style combined with engaging pedagogical elements motivates students to actively participate in their learning. McGraw Hill's award-winning technology, Connect, is a digital option available for Breen. Connect is built with students in mind, featuring SmartBook 2.0 and Application Based Activities to support students' learning and engagement.  Free Download Camp Bestival at Home: Have a Family Festival Every Day by Josie da Bank, Rob da Bank English | May 23rd, 2024 | ISBN: 1529925746 | 256 pages | True EPUB | 82.74 MB Get wild. Get messy. 'Dad dance' like no one's watching. Nourish your body and mind. Let go of the reins and the routines. Make memories and have some serious fun.  Free Download Gerard McCann, "COVID-19, the Global South and the Pandemic's Develop Impact " English | ISBN: 1529225655 | 2022 | 224 pages | PDF | 10 MB EPDF and EPUB available Open Access under CC-BY-NC-ND licence.  Free Download James Morone, "By the People: Debating American Government, Brief Edition Ed 6" English | ISBN: 0197661505 | 2023 | 704 pages | PDF | 239 MB Winner of the Textbook & Academic Authors Association's Textbook Excellence "Texty" Award  Free Download Buying Your First Home: Tried and True Real Estate Tips for Finance Options, Closing Costs, and Building Equity To Master the Art of Homeownership by V J Dean English | February 29, 2024 | ISBN: N/A | ASIN: B0CWVVMY82 | 229 pages | EPUB | 1.71 Mb Outsmart the competition and learn inside tricks of the trade to enable you to get on the property ladder and start securing your future.  Free Download Butter Boards: 100 Inventive and Savory Spreads for Entertaining by Alejandra Diaz-Imlah, Jamison Diaz-Imlah English | June 10th, 2024 | ISBN: 1646434226 | 208 pages | True EPUB | 76.17 MB From the delicious trend that took the internet by storm comes Butter Boards, featuring over 100 savory spreads and complementary recipes to take your entertaining to the next level. |
: 