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ผู้เขียน หัวข้อ: 8 เคล็ดลับในการประกันภัยที่อยู่อาศัย  (อ่าน 132 ครั้ง)

anyaha

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8 TIP ON HOMEOWNNER INSURANCE
1. You're a statistic
To an insurer, you're not a person; you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including your occupation, who you are, what you own, and how you live.
2. Know your home's value
Before you choose a policy, it is essential to establish your home's replacement cost. A local builder can provide the best estimate.
3. Insurers differ
As with anything else you buy, what seems to be the same product can be priced differently by different companies. You can save money by comparison shopping.
4. Don't just look at price
A low price is no bargain if an insurer takes forever to service your claim. Research the insurer's record for claims service, as well as its financial stability.
5. Go beyond the basics
A basic homeowners policy may not promise to entirely replace your home.
6. Demand discounts
Americans waste money every year because they forget to ask for them!
7. Insurer isn't necessarily your friend
Your idea of fair compensation may not match that of your insurer. Your insurer's job is to restore your financially. Your job is to prove your  losses so you get what you need.
8. Prepare before you have to file a claim
Keep your policy updated, and reread it before you file a claim so there are no surprise.

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
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anyaha

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ตอบกลับ #1 เมื่อ: มกราคม 10, 2021, 06:45:46 PM
Annuities Meaning
selling annuity
structured settlements annuities

Purpose of an Annuity
An annuity provides income for a specific number of years or for life. An annuity protects a person against outliving their money. Annuities are not life insurance, but a way of accumulating money and liquidating an estate.

Annuity Owner
Annuity owner is the purchaser of the annuity.

Annuitant
Annuitant is the person who receives the payments from the annuity.

Accumulation Period
Accumulation Period, also known as the pay-in period, is the period of time over which the annuitant makes premium payments into the annuity. It is also the time that the premium payments earn interest on a tax deferred basis. Annuity Period, also known as the annuitization period or liquidation period, is the time during which the money that has accumulated during the accumulation period is converted into income payments to the annuitant.
Note: If an annuitant dies during the accumulation period, the beneficiary will receive the cash value or total premiums paid whichever is greater.

Annuity Funding
There are twoways to fund an annuity:
A single payment (lump sum) Periodic payments, in which premiums are paid in installments over a period of time.
Annuities can also be classified according to when income payments from the annuity begin.

Immediate Annuity
An immediate annuity is one that is purchased with a single lump sum payment and provides income payments that start within one year from the date of purchase.

Deferred Annuity
A deferred annuity is an annuity in which the income payments begin sometime after the first year. Deferred annuities can be funded either with a single lump sum or through periodic payments.

Annuity Payout Options
Annuity payout options specify how annuity funds are to be paid out. They are very similar to the structured settlements annuities options used in life insurance and determine how the policy proceeds are distributed to the beneficiaries.

Straight Life Income Option
The Straight Life Payout Option, also known as Pure Life, will pay a specific amount for the remainder of the annuitant's life. This option provides highest monthly benefit for an individual annuity. Although the annuity payments are guaranteed for the lifetime of the annuitant there is no guarantee that all the proceeds will be full fully paid out, because the payments stop after the annuitant's death.

Life With Period Certain
Life with Period Certain is anotherr annuity payout that is contingent on the annuitant dying. Under this option the annuity payments are guaranteed for the entire lifetime of the annuitant and for a specified period of time to the beneficiary.

Fixed Annuities
Fixed Annuities provide a fixed guaranteed payout. Payments that do not vary from one payment to another and guaranteed minimum rate of interest.

Variable Annuities
A variable annuity serves as a hedge against inflation, and is variable because there is not a guarantee of payout. Payments can vary from one payment to another, and there is not a set rate of interest. A variable annuity is considered a security and is regulated by the Securities and Exchange Commission (SEC). An agent selling annuity must also have a securities license in addition to their Life Insurance License.

Accumulation Units
As variable annuity premiums are invested and begin to grow this is known as the accumulation of units.

Annuity Units
Annuity units is the payout phase of the Variable Annuity.

Variable Annuities
A variable annuity is considered a security and is regulated by the Securities and Exchange Commission (SEC). An agent selling annuity must also have a securities license in addition to their Life Insurance License.

Accumulation Units
As variable annuity premmiums are invested and begin to grow this is known as the accumulation of units.

Annuity Taxes
A portion of each annuity benefit payment is taxable and a portion is not. The portion that is nontaxable is the anticipated return of the principal paid in. This is known as the Cost Base. The portion that is taxable is the interest earned on the principal. This is known as the Tax Base.



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anyaha

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ตอบกลับ #2 เมื่อ: กันยายน 20, 2021, 03:26:17 PM
Mergers and Acquisitions of Companies
External development is a form of business growth that results from the acquisition , participation, association or control of a company, companies or assets of other companies, expanding their current businesses or entering new ones. The term used in business jargon is M&A, which comes from Mergers and Acquisitions.

The reasons for a company to decide on external development (mergers, acquisitions, alliances ...) compared to the internal one has its origin in different causes that we will comment on in this definition.

Reasons for mergers and acquisitions
We will highlight the economic and market power reasons.

1. Economic reasons
Cost reduction : Through economies of scale and / or economies of scope through the integration of two companies whose productive and commercial systems are complementary to each other, generating synergies.
Get new resources and capabilities by joining or acquiring another company.

Replacement of the management team : It usually happens that, when management is replaced, there is a greater increase in value.
Obtaining tax incentives that can increase the benefits of acquisitions and mergers, due to the existence of exemptions or bonuses.

2. Motives for market power
It may be the only way to enter an industry and / or a country , as it has strong entry barriers.
When mergers and acquisitions are horizontally integrated , an increase in the market power of the resulting company is sought and, consequently, a reduction in the level of competition in the industry
.
When mergers and acquisitions are vertically integrated, companies that operate at different stages of the production cycle are integrated , the objective is to immediately achieve the advantages of vertical integration , both backwards and forwards.

Types of external development
The types of external development are:
The merger of companies : Integration of two or more companies so that at least one of the originals disappears.

The acquisition of companies : Operation of purchase and sale of packages of shares between two companies, keeping the legal personality each of them.

Cooperation or alliances between companies : Intermediate formula, links and relationships are established between companies, without loss of legal personality of any of the participants, who maintain their legal and operational independence.

Depending on the type of relationship established between the companies, they can be classified into:

Horizontal: The companies are competitors among themselves and belong to the same industry.
Vertical: Companies are located in different phases of the complete cycle of exploitation of a product.
Conglomerates: Companies have very different activities from each other.

Types of mergers
They are unions between two or more companies, with the loss of legal personality of at least one participant.

1. Pure fusion
Two or more companies of an equivalent size, agree to join, creating a new company to which they contribute all their resources; dissolving the primitive companies. (A + B = C)

2. Merger by absorption
One of the companies involved (absorbed) disappears, integrating its assets into the absorbing company. The absorbing company (A) continues to exist, but accumulates to its equity the corresponding to the absorbed company (B).

3. Merger with Partial Contribution of Assets
A company (A) contributes only a part of its assets (a) together with the other company with which it merges (B), either to a new company (C) that is created in the merger agreement itself, or to another pre-existing society (B), which is thus increasing its size (B '); it is necessary that the company contributing assets (A) does not dissolve.

Business Acquisitions Financing
The participation or acquisition of companies takes place when a company buys part of the capital stock of another company, with the intention of totally or partially dominating it.

Acquisition or participation in companies will give rise to different levels or degrees of control depending on the percentage of share capital of the acquired company in its possession and according to the way in which the rest of the securities are distributed among the other shareholders: large packages of shares in the hands of very few individuals or a large number of shareholders with little individual participation.

The purchase of a company can be done through a conventional purchase-sale contract, but in recent decades, two financial formulas have been developed:

Purchase using financial leverage or Leveraged Buy-Out (LBO) .
Public offer for the acquisition of shares (OPA).

1. Buying through financial leverage (LBO)
Buying through financial leverage (LBO) consists of financing a significant part of the acquisition price of a company through the use of debt.

This debt is secured, not only by the buyer's equity or creditworthiness, but also by the assets of the acquired company and its future cash flows. So after the acquisition, the debt ratio tends to reach very high values.

It may be the case that the purchase is made by the same managers of the company to be acquired. In this case we are facing a purchase by management or Management Buy-Out (MBO). The reason why they decide to launch an offer on the company they work for is to put the company in the right direction.

2. The public offer for the acquisition of shares (OPA)
The public offer for the acquisition of OPA shares occurs when a company makes an offer to purchase all or part of the capital stock to the shareholders of another listed company under certain conditions.



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