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Credit card debt management
Credit cards that are used in moderation could be helpful in managing your finances. This means that splurging through the use of credit cards is almost financial suicide. Here are few tips to manage the way you use your credit card...
ERM Not Just For the "Big Guys" Anymore, Small Business Rights Management, A Reality
Small Business Rights Management (SBRM) is a term which reflects the shift ERM (Enterprise Rights Management) technology has taken as awareness of industry compliance issues and protection of original works has evolved and become implicit...
Offshore outsourcing - Ideal tool for a successful business management
The core of business management is using your time in areas that are more productive. Imagine precious hours of your time are wasted on doing loads manual work that eats your energy. Do you think that your time should be utilized in implementing...
Techniques in Time Management
There are a number of techniques in managing times, but for the most part time management has basic rules. Communication, social skills, empathy, open minded, thoughts, feedback, and other elements key in to time management schemes. In order to...
Time Management in Control
Being in control of your time is important if you are a hard worker, with a family, and have other needs and requirements to meet. When you are not in control of your time, you success is at risk. To be a successful individual in life, you should...
 
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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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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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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Agency of the US government tasked with Disaster Mitigation, Preparedness, Response & Recovery planning.
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Online guide to small business management. Find articles, advice and how-to guides.
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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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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.
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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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