Finance Essays

Manzana Insurance is the second largest Insurance Company in the Property Insurance space in California. The case relates to one particular branch, the Fruitvale branch, which has been losing market share to its competitor Golden Gate. This branch deals with the commercial property insurance and has three underwriter teams that …

What is international strategy? “An international strategy is a strategy through which the firm sells its goods or services outside its domestic market” (Hill 378). One of the primary reasons for implementing an international strategy (as opposed to a strategy focused on the domestic market) is that international markets yield …

Introduction: IDS Financial Services operate in the consumer financial service industry. After the acquisition by American Express in 1984 the company went through tremendous growth for three consecutive years in terms of revenue (average 30%), financial plan fees (174%) and its sales force (annual rate11%). The company was facing new …

The definition of love is ” a deep, tender, ineffable feeling of affection and solicitude toward a person.” In “The Gift of the Magi,” the two main characters possess a love for each other that is so strong that they are willing to sacrifice their greatest treasures for each other, …

Forecast in a simple terms is a prediction thru a statement or claim that a particular event will occur in the future. It looks like to me that almost the majority of the people, including children, once in their life time were a forecasters, as sometimes in their past theyve …

E-Commerce: Payment Systems and Security The list of payment solutions for e-commerce seems to be endless. Many banks and ISPs have adapted their own e-commerce payment systems where compatibility has not been considered. However, it seems that everything is currently pointing towards SET (Secure Electronic Transaction) as becoming the standard …

1.Calculate Dunham’s 1995 financial rations. (See Exhibits 1,2, and 3). Current Ratio = (current assets/current liabilities) = (16,268/7,600) = 2.1405% Inventory Turnover = (sales/inventory) = (26,671/6,133) = 4.3487% receivable____ = 5,920___ = 81.01 Days DSO = annual sales/365 26,671/365 Fixed Asset Turnover = (sales/net fixed assets) = (26,671/3,336) = 7.9949% …

Banking education is a form learningteaching where the students act as banks, and teachers, as one who make deposits. Instead of money being deposited into the banks, it is information being deposited into students. The teacher passes his/her information through lectures, homework, and lists of items to be memorized to …

Dexit is a new electronic payment system that designs for low-value transactions. Based on Radio Frequency Identification (RFID) technology, customers can use a small electronic tag to pay for goods and services without entering password on a specialized reader at the retail stores, which is obviously faster than any other …

Group insurance differs from individual insurance in several respects. A distinctive characteristic is the coverage of many persons under one contact. A master contract is formed between the insurer and the group policy owner for the benefit of the individual members. In most plans, the group policy owner is the …