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Informative Articles

Bankruptcy as a debt management solution: Why do so many of us have so much debt?
In 2004, 1,562,174 Americans sought protection from creditors through bankruptcy court - a per capita rate over ten times higher than during the worst years of the Great Depression! According to the Consumer Federation of America, in 2003 alone over...
Debt Management UK - Time Tested Formula For Freedom From Debts.
UK residents seem to enjoy a strange relationship with debts. While they cannot do with a large debt load over their shoulders, they also cannot do without incurring them for long. If a survey is to be taken out of the most rash spenders,...
Head Concierge: Personal and Corporate Concierge Service, Assistant and Lifestyle Management Team.
Press Release IMMEDIATE RELEASE Head Concierge Ltd, Unit F76, Du Cane Court, London SW17 7JW, Tel 020 8675 6293, Fax 0870 1331573 Email Info@headconcierge.com Web site www.headconcierge.com Chance to have a Human Personal Organiser One of the...
Project management best practices
As both an active project manager and a project management trainer, people often ask me what are the fundamental aspects to successful project management. Whilst there have been many great books written on the subject, I always summarise what I...
True Information Management: Far More Than Technical Automation Support
Across the Regular army, the term Selective information Management connotes different substance. In a garrison environment, a unit or section selective information direction military officer is typically that computer smart...
 
Conservative Investment Management Pays for This Firm

It is genrally not a good idea for an independent financial adviser to endorse specific companies or products by name and this article is not intentionally written as an endorsement. But when another industry magazine printed an article sub-titled “American Skandia’s Stroke of Genius” for viewing by financial professionals only, it seems apparent that the outstanding actions of this company deserve further comment in public media.

In short, variable annuities are insured stock accounts where a private insurance company guarantees that investors will not lose money. That guarantee can be expensive to insurance companies, especially when the stock market perfumes poorly as is has in the past few years.

Some variable annuity companies are facing significant losses from these guarantees, to the point of threatening the financial stability of some very popular names in the financial services industry. But one of the


largest issuer’s of variable annuities, American Skandia, has been able to avoid this financial risk through the use of unique but fundamentally sound investment management and accounting. In other words, by setting up automated systems to automatically manage money more conservatively during periods of declining stock prices, American Skandia has significantly outmaneuvered the market and avoided risk for its investors.

American Skandia is one of the few investment companies that offers a no-load account without investment commissions through independent investment advisers. It own distribution costs are minimal because the company does not maintain an internal sales force, but relies instead on the recommendations of independent financial advisers.

About the Author

Tony Novak is an independent writer and financial adviser in Narberth PA who provides OnlineAdviser services through MedSave.com and FreedomBenefits.org

 

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Management - Wikipedia, the free encyclopedia
The phrase "management is what managers do" occurs widely, suggesting the difficulty of ... The management of a large organisation may have three levels: ...
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Free Management Library
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Welcome to the American Management Association
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Project Management Institute (PMI) - The largest project ...
The organization of choice for project management professionalism. PMI establishes Project Management standards, provides seminars, educational programs and ...
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IT Project Management and IT Service Management Ideas and Analysis ...
Datamation provides ideas and analysis for IT managers, featuring case studies and trend spotting reports on IT project and service management issues.
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Management
International review on management research. Peer-reviewed, occasional. Ejournal, with tables of content, abstracts and full articles available on-line.
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Advances the human resource profession to ensure that HR is recognized as an essential partner in developing and executing organizational strategy.
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FEMA | Federal Emergency Management Agency
Agency of the US government tasked with Disaster Mitigation, Preparedness, Response & Recovery planning.
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FT.com / Business Life
Account Manager. Recruiter: Financial Times. Part Qualified Management Accountant. Recruiter: Robert Half Finance & Accounting ...
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Small Business Management: Advice and Guides
Online guide to small business management. Find articles, advice and how-to guides.
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Academy of Management Online
Academy of Management: This is the official web site of the Academy of Management, with information on membership, journals, list servers, web sites, ...
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Provides business management articles, webcasts, online learning, and books as well as conferences focused on leadership and decision making.
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Object Management Group
Distributed object computing industry standards group founded in 1989. Defined standards include CORBA and IIOP.
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Management Reading | Global Executive | Business | Economist.com
The one management thinker every educated person should read Nov 17th 2005 ... The story of Emerson's successful management process is fascinating. ...
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Emerald: Home
Publisher of journals in management and library and information services, engineering, applied science and technology.
www.emeraldinsight.com
 
Yale School of Management
The mission of the Yale School of Management is to educate global leaders for business and society. We pride ourselves in providing a hard-edged business ...
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US Office of Personnel Management
Official Federal Government site listing positions nationwide for special agent, federal police officers and related jobs.
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