Monthly Archives: September 2017

When And How Far Should One Go

Introduction

Diversification today most executives and boards realize how difficult it is to add value to businesses that aren’t connected to each other in some way. Yet too many executives still believe that diversifying into unrelated industries reduces risks for investors or that diversified businesses can better allocate capital across businesses than the market does-without regard to the skills needed to achieve these goals. Because few have such skills, diversification instead often caps the upside potential for shareholders but doesn’t limit the downside risk. As managers contemplate moves to diversify, they would do well to remember that in practice, the best-performing conglomerates in the United States and in other developed markets do well not because they’re diversified but because they’re the best owners, even of businesses outside their core industries.

Meaning

Diversification is a form of corporate strategy whereby a company seeks to increase profitability through greater sales volume obtained from new products and/ or new markets. Diversification can occur either at the business unit level or at the corporate level. At the business unit level, it is most likely to expand into a new segment of an industry that the business is already in. At the corporate level, it is generally very interesting entering a promising business outside of the scope of the existing business unit.

Arguments

Like any other structure, this structure has also lot to offer which needs to be analyzed-

A. LIMITED UPSIDE, UNLIMITED DOWNSIDE:

The argument that diversification benefits the shareholders by reducing volatility was never compelling. At an aggregate level, conglomerates have underperformed more focused companies both in the real economy (growth and returns on capital) and in the stock market. Even adjusted for size differences, focused companies grew faster.

From the above graph, it can be viewed that a higher % of conglomerates tend to provide returns in the range of 8% to 18% as compared to focused companies. On the contrary, there are much lesser % of conglomerate companies that offer negative returns and also high growth rate returns.

The answer to these patterns is that in conglomerates there are businesses that offer high returns and others which offer lower returns. Thus the returns are averaged out. But in the case of focused companies, those which are performing companies perform either tend to outperform or underperform as compared to its peers. This is because of the fact that the capital that is invested in these companies is focused and thus there is little leeway available for them to maneuver as compared to the conglomerates which tend to readjust their capital as per the situation.

Becoming Licensed

These professionals will generally accept a percentage of the payout on the claim as their fee. Many policyholders will file a claim themselves but if the policyholder is afraid there will be a dispute on the claim or it is a complex claim it is best if you work with a public adjuster.

When hired by the policyholder you will look the insurance policy over in order to know what is covered and the coverage limits. The next step is to look at the situation for which the policyholder is filing a claim. The public adjuster will document the claim and packages it for the insurance company. When documenting the claim the adjuster will address key issues that could be used as grounds for a denial or dispute of the claim by the claim adjuster. If the payout is not what it should be then the adjuster will negotiate with the insurance company to get the best deal for the policyholder.

Before you can become a public adjuster you have to be licensed. In the United States what the requirements are to become licensed depends on the state. If you are a non-resident you could obtain a license there if both states will allow it. A common requirement is that you have to be at least eighteen years of age and pass a criminal background check. You also have to receive a passing score of at least eighty percent on the written public adjuster examination but the passing score can vary by state. All states have a licensing and application fee that you have to pay before you can get your license. Some states will require you to have a certain amount of experience adjusting claims that are first party. You may also be required to be supervised by a licensed adjuster for a certain length of time or have proof of employment.

Some states want their adjusters to continue their education. They have to follow all the laws that are set by their state or they can have their licenses revoked. Many public adjuster licenses expire after twenty-four months or it could be on the even years, depending on the state. Many states will send a notice when it is time to renew. If you miss the deadline to renew your license, some states that have a grace period while others make you retake the examination.

This article is penned by Lora Davis for Insurance Claim Recovery Support. Our licensed experts package your claim file for carrier submission and negotiate a fair and prompt insurance settlement. So if you need a commercial claims adjuster or insurance adjuster then we are able to help.

 

The Easiest Way To Save Money

No more searching online for hours trying to find the best price for your purchase! The way to save an extraordinary amount of money is via saving money memberships! More specifically, lifetime saving money memberships! I am going to go over the 3 things you need to look for before getting any type membership like this!

1. Duration – You can get one that only last for a few months or years but if you’re looking to save thousands of dollars each year then your best bet is to find a one that offers a lifetime holding. Especially if you enjoy the benefits, it would be ideal to continue to enjoy it for the rest of your life. There are plenty of lifetime holding ones out there, however, if you can’t find one you like that offers that then at least look for one that has a long duration. A 10 year or even a 15 year saving money membership will do some great things in terms of adding more money into your wallet.

2. Do The Math – You have to look at the price! If you are looking to get a lifetime one, you may have to pay a decent chunk of money. But it’s important to remember that it’s a one-time payment. You also have to make sure you’ll be able to save more than you originally spent or else it kind of defeats the purpose. Doesn’t it? If a saving money membership with a lifetime holding requires a one-time $5,000 payment but you are able to save $2,000 each year, do the math! That’s a great saving money membership! You will be able to save more money then you originally spent after 3 years! After the 3 years you will be smooth sailing! Be sure to do the math before you freak out about the price!

3. Look At The Benefits – If you want to maximize your savings you’re going to have to look at the benefits! Look for a saving money membership that has a ton of benefits! If you get one for gasoline, you need to make sure you purchase a ton of gasoline each year! There are several out there that allow you to use it on almost anything! There’s no need to limit your savings! As I mentioned before, it would be nice to save on a wide variety of things and you certainly can!

So, if you are looking to save an extraordinary amount of money each and every year your best bet is to look into a saving money membership! However, don’t get one without looking into it first and getting some information! Make sure that it has a high duration (preferably lifetime), do the math and make sure that you are going to be able to save more money then it took to get the membership in the first place, and finally be sure to look at the benefits so you can maximize your savings with a wide variety of things!

“Discover How To Make $1,500 Per Week Starting Today!”

Is It Worth Someone’s Life?

That summarizes the value of money. It represents our clothing, food, housing, and even our health but it I still not worth someone’s life. The situation we are now in is far different from the world of ancient times. The monetary system by which the world operates, however, has only been around since the bronze age when the manufacture of coins was made possible.

Trade began more than two million years ago in the Stone Age as sites occupied by Homo Erectus and dated to around that time demonstrate. So what changed? Man’s progress and development of weapons and metal tools allowed greater things to eventuate. It led to kings, wars and the building of empires and a slippery slope of dependency on man’s abilities rather than God.

In the Roman Empire Emperors charged nations and taxes were introduced to support Rome and debt followed. Those who could not pay their taxes were enslaved or executed as examples to others.

The Emperor who established the system under which the economy still runs was Constantine who also created the Catholic Church for power and control of the nations under his command. He is 666 in Revelation 13:12-18 and his purpose was to seal up the things of God and bury the truth under a great wall of deceit.

It is time for the wall to go and my reincarnation and instructions from the Spirit, which is the real God, has led to the knowledge to bring it down. Money is a part of it and the economic systems of the world are in dire straits. The fact that they are man-made and money is not from God then it is of no value and most certainly is not worth someone’s life.

The work of the 2 beasts of Revelation goes to the heart of the financial systems through which they still run the world. My experience is pertinent to understanding why these things are known by me and are published on the Internet for free.

Observations in the natural world show that all living things are provided with proper food and housing without the need for money. Man, on the other hand, has created a situation whereby he cannot sustain himself without it.It is first an invention with no spiritual value and it’s not part of the natural events. It is artificial and an instrument of power and control. It bears the monarch’s head because the king replaced God as the source of everything that nature would normally provide.