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Accounting for death - Retail life insurance last financial innovation on Wall Street
Rentabilizand death - Retail life insurance last financial innovation on Wall Street
of Economic Trends Economic Trends
Tuesday, September 8, 2009 , 11:04 Economy | Finance & Banking
Consider the mutually beneficial business . John is suffering from an incurable disease . Also, John has a life insurance policy of $ 1 million , money that will accrue after the unfortunate will be dying . What has captured John in this business? Nothing . The latest innovation on Wall Street is described in detail on the blog Economic Trends .
Well, here comes a gracious which aims to John next fair : in exchange for the right to collect the money corresponding insurance, gives a fraction before he died . In other words , John gets lifetime beneficiary of a portion of the amount due to him as a "reward " for his death.
If you live with the illusion that those who caused the current collapse withdrew quietly from the first line , you 're sadly mistaken . They never left the battlefield and I think I would not exaggerate if I say that , ultimately , the notion of " battlefield " in the current acceptance belongs altogether. There are people discreet , almost obscure , but have a destructive capacity fabulous . Their goal is to make balloons not for lard , but charging commission.
It is a new sample of inventiveness investment banks , a bubble in early stage , which may hear in the near future.
Devised scheme is as simple as it is brilliant . Perhaps you are familiar adage that "the only certainty is death ." From this axiom , smart guys of Wall Street are about to develop a new generation of weapons of mass destruction .
Strange business , but quite lucrative , if we consider that a John can lay claims to a maximum of 40 % of the sum insured . So in short invest now, waiting to die John and earning 2.5 times more than you put into the business . If unhappy dies quickly, you put a prodigious profit . A secure business , huh ?
Well, the guys on Wall Street do not get to work as amateurs . Just do not think that any shark hunt Goldman will be destroyed on the corner . The real profit comes from the schema after the principle of the toxic assets underlying mortgage .
So staged schema provides group rights in larger packages for diversification and risk mitigation ( sounds familiar? ) . After this , follow the derivation selling packages of products to achieve a satisfactory level of sophistication. If in terms of the growing mortgage market Wagering proved to be a mistake , I think it is no secret that death is a sure thing. So a strong enough argument to trash noble reisteriza world .
When I first heard of this "new concept " , I thought it's an experiment , and things are going to develop over time. But the scheme seems to be ready for a long time in laboratories.
Read the rest of this article and comment on economic trends .
P. S. The subject is treated in detail by the American press , New York Times delightedly stating : "Back to Business . Wall Street Pursues Profit in Bundles of Life Insurance" .
The mechanism is simple , explains prestigious newspaper : " As the policy owner dies quickly , the profit is higher - even if he lives longer than expected , investors could choose a small profit or could even lose money. "
of Economic Trends Economic Trends
Tuesday, September 8, 2009 , 11:04 Economy | Finance & Banking
Consider the mutually beneficial business . John is suffering from an incurable disease . Also, John has a life insurance policy of $ 1 million , money that will accrue after the unfortunate will be dying . What has captured John in this business? Nothing . The latest innovation on Wall Street is described in detail on the blog Economic Trends .
Well, here comes a gracious which aims to John next fair : in exchange for the right to collect the money corresponding insurance, gives a fraction before he died . In other words , John gets lifetime beneficiary of a portion of the amount due to him as a "reward " for his death.
If you live with the illusion that those who caused the current collapse withdrew quietly from the first line , you 're sadly mistaken . They never left the battlefield and I think I would not exaggerate if I say that , ultimately , the notion of " battlefield " in the current acceptance belongs altogether. There are people discreet , almost obscure , but have a destructive capacity fabulous . Their goal is to make balloons not for lard , but charging commission.
It is a new sample of inventiveness investment banks , a bubble in early stage , which may hear in the near future.
Devised scheme is as simple as it is brilliant . Perhaps you are familiar adage that "the only certainty is death ." From this axiom , smart guys of Wall Street are about to develop a new generation of weapons of mass destruction .
Strange business , but quite lucrative , if we consider that a John can lay claims to a maximum of 40 % of the sum insured . So in short invest now, waiting to die John and earning 2.5 times more than you put into the business . If unhappy dies quickly, you put a prodigious profit . A secure business , huh ?
Well, the guys on Wall Street do not get to work as amateurs . Just do not think that any shark hunt Goldman will be destroyed on the corner . The real profit comes from the schema after the principle of the toxic assets underlying mortgage .
So staged schema provides group rights in larger packages for diversification and risk mitigation ( sounds familiar? ) . After this , follow the derivation selling packages of products to achieve a satisfactory level of sophistication. If in terms of the growing mortgage market Wagering proved to be a mistake , I think it is no secret that death is a sure thing. So a strong enough argument to trash noble reisteriza world .
When I first heard of this "new concept " , I thought it's an experiment , and things are going to develop over time. But the scheme seems to be ready for a long time in laboratories.
Read the rest of this article and comment on economic trends .
P. S. The subject is treated in detail by the American press , New York Times delightedly stating : "Back to Business . Wall Street Pursues Profit in Bundles of Life Insurance" .
The mechanism is simple , explains prestigious newspaper : " As the policy owner dies quickly , the profit is higher - even if he lives longer than expected , investors could choose a small profit or could even lose money. "
duminică, 29 decembrie 2013
For New York lottery winner, $1 million was blowing in the wind
An American citizen (Marvin Rosales Martinez) exactly in New York found the lottery ticket 1 million dollars which had claimed it 1 year ago but lost it. This year the debris cleaned with a vacuum cleaner when he found the note. He says that for a moment not lost confidence
PR8 Web DirectoryNew York
New York
Country : U.S.
Population: 20383000inhabitants
Area: 10 200 sq km
Density : 1 998.3 inhabitants / km ²
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The largest city in the world is located in the northeastern U.S. , the Atlantic coast , in the area of the river Hudson , is placed both on the islands ( Manhattan , Long , Staten ) and the mainland.
For New York lottery winner, $1 million was blowing in the wind
New York has a history too distant. The first European to reach these places inhabited by Indians algokin on April 17, 1524 , the Florentine navigator Giovanni da Verrazzano considered first
New York Explorer Gulf . The land was covered with forests intense , the game bogat.Datorita animal fur , Dutch merchants send their emissaries here : Van Campen and Adrien Block.In 1626, the founding year of the city, Peter Minuit bought from the Indians with ornaments , knives etc . worth $ 30
Manhattan.Pe Island this island was the nucleus of a settlement called Nieuw Amsterdam.Stabilirea Jonas Bronck family Scandinavia ,
outside of Manhattan island has led development of the first houses in the neighborhood that will bear the name , Bronx.Primele buildings of Queens appear in 1640.In 1645 the Dutch bought the island consists of small settlements Long.Colonia Dutch , who took the name of Nieuw Netherland , the Nieuw Amsterdam center , was easy prey for the English fleet sent by the Duke of York , in August 1664 , receiving a new name - preserved until today - New York.Orasul was the capital of the U.S. in the period 1785-1790 .
Initially , the city developed slowly , in Manhattan were 200 inhabitants in 1625 , 33 131 inhabitants in 1790 and 942 292 inhabitants in 1870.Orasul today constituted in 1898 consists of: Manhattan , Queens , Brooklyn, Bronx and Richmond .
Except Richmond, other neighborhoods are themselves millionaires and multimillion cities . The New York Metropolitan Art consists of many cities with many suburbs , in which stands a few cores , which they call statisticilea Merican Standard Metropolitan Statistical Area ( SMSA ) . Main S.M.S.a. which make up the great New York are : New York , Nassau - Sufolk , Newmark , Paterson - Clifton - Passiac , Jersey City New Yorker etc.Conurbatia part of the largest urban concentration in the world.
The core of the huge metropolis was and ul.Primii Manhattan Island residents , the Dutch , have built homes defrisand forest , and wide streets arranged and drepte.Duapa cuerirea British island , immigrants flocked from all countries old Europe . fires consume 1776
Easily cae bulk of buildings and the 1835 abolition of orasului.De determine almost north to south along the island of Manhattan were drawn 10 bulevarde.Avand small space carrying the island with an area of 57 square kilometers, the gradually became crowded city verticala.Considerat by increasing the built space layout , Manhattan Keep cataloged , it is an " exhibition " of
Styles arhitectura.Padurea man invented skyscrapers puts decided pecetea.In neighborhood is famous Central Park neighborhood
blacks , Harlem . East of the park are located neighborhoods Italians ( Little Italy) , Spanish ( SpanishHarlem ) , Chinese ( Chinatown ) , French , Jews , Germans , Manhattan etc.Populatia total is 1.7 million which during the day add 4 300 000 people come to their jobs .
New York has more than 2.5 million buildings , of suburban houses in Zaria - nori.In trufasii 1902 built the first skyscraper that was only 20 etaje.In 1931, Empire State Building rises to its concrete and glass silhouette sky who was to become one of the symbols orasului.Cladirea has 102 floors and a height of 440 m.este visited annually by about 2 million people. It has 72 high speed elevators that can reach the top floor in 50 secunde.Dar heights and this monster was deposed from the World Trade Center that was destroyed some time ago two avioane.World Trade Center consists two twin rectangular buildings , each with 110 floors and 412 m inaltime.Este work 50 000 oameni.Alti
skyscrapers are : Lever Hause with 60 floors , wall Tower 60 floors, 77 floors Chrysler , Rockefeller Center with 70 floors.
New York , the city of cities , but also the symbol of the downfall of American opulence ei.Crime , robberies , drugs, terrorizing the population , degrade and destroy the youth .
The city, which in 1830 produced gas lighting in 1870 and where the first factories stood is now the largest industrial, financial, commercial , transportation and cultural SUAIndustria very diversificata.La New York is the headquarters of the major oil companies Exxon , Texaco , Mobil Oil.Este banking and financial headquarters of the country's size first .
Unparalleled economic power , cultural activity corresponds to the same class . In the city there are 28 universities , among them the famous Columbia University , the 3500 teachers here teach in 69 languages, including Romanian. In New York there are large libraries ( New York Public Library, Queens Public Library , etc. ) , museums ( Guggenheim , Metropolitan Museum of Art) , 19 radio stations , eight television companies , publishers .
The most famous street is Broadway , also known as The Great Whiteway ( great white way ) due to special lighting at night .
Symbol of the city , the inhabitants of their country it identiica symbol is the Statue of Liberty ( Miss Liberty ) , located on Bedloe Island , at the entrance to the bay New York.Partile parts of the statue, made of steel and 8 t 120 t copper were brought from Paris. Americans have built a large concrete base and is 92 m granit.Statuia Torch is made of ruby glass and has 13,000 bulbs W.
All the wonders of New York and others make a great city and tourist center
New York Aquarium
The famous New York Aquarium is the oldest aquarium in America works nowadays. It has an area of over 56,000 square meters and houses a collection of marine life, colorful. He is on Coney Island, the oceanfront.
New York Aquarium is the oldest in America
New York Aquarium is the oldest in America
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