Professor Wahlen's teaching and research interests focus on financial accounting, financial statement analysis and the capital markets. His research investigates earnings quality and earnings management; earnings volatility as an indicator of risk; fair value accounting for financial instruments; accounting for loss reserve estimates by banks and insurers; stock market efficiency with respect to accounting information; and testing the extent to which future stock returns can be predicted with earnings and other financial statement information. ...
Barbara has a BA (Hons) in Business and Management and is currently at the end of her
MSc in International Finance degree. Barbara started her career working as an intern for
the European Commission in Brussels, and then in 1999 she joined Datamonitor
Financial Services department as an analyst. Barbara's work at Datamonitor involved
various projects and reports, including the FinTab project, where she helped to develop
an online data resource covering the insurance, banking, investments and payment cards
sectors. Barbara also authored a number of reports......
Financial and insurance markets always operate under various types of uncertainties
that can affect nancial positions of companies and individuals. In nancial and
insurance theories these uncertainties are usually referred to as risks. Given certain
states of the market, and the economy in general, one can talk about risk exposure.
Any economic activities of individuals, companies and public establishments aiming
for wealth accumulation assume studying risk exposure. The sequence of the corresponding
actions over some period of time forms the process of risk management.
This paper addresses issues in financial sector regulation from two perspectives. First, it reports on the state of implementation of financial regulatory standards across banking, insurance, and securities sectors in a select group of Fund member countries. Second, it raises issues relating to the design of these three sector standards, arising from the implementation experience and the evolving structure of financial systems. In this regard, the paper identifies a few emerging regulatory risks and some cross-sectoral issues that may warrant further guidance by standard setters....
Distance-based pricing can help achieve equity objectives. Since annual vehicle mileage
tends to increase with income, fixed-price insurance causes lower-income motorists to
subsidize the insurance costs of higher-income motorists within their rate class.
Distance-based insurance pricing provides overall savings to lower-income motorists,
and would allow some low-income households to own a vehicle for basic mobility that
they cannot currently afford.
Distance-based pricing lets motorists save money by reducing mileage, an option that is
Taxation of financial intermediation receives surprisingly little ana-
lytical attention, despite its practical importance both for national
budgets and for the efficient functioning of the financial system.
This volume is an attempt to provide a coherent overview of the
policy issues involved.
The Terrorism Risk Insurance Extension Act of 2005 requires the President’s
Working Group on Financial Markets (PWG) to perform an analysis regarding the long-
term availability and affordability of insurance for terrorism risk, including group life
coverage; and coverage for chemical, nuclear, biological, and radiological events; and to
submit a report of its findings to Congress by September 30, 2006.
The ownership of insurers and the scope of their activities may also pose market challenges.
While competition is arguably limited by the presence of few players, such as in the Irish insurance system,
the existence of several players is not the only measure of market competitiveness. Mobility across insurers
is low in many OECD countries. It is also sometimes challenging to establish incentives for “healthy” and
equitable competition among PHI insurers, as they face incentives to concentrate on good risks, thereby
failing to cover more vulnerable individuals.
Yet – outside the major pension funds and insurance companies – institutional investor allocations to clean
energy projects remain limited, particularly when it comes to the types of direct investment which can help
close the financing gap. Reasons for institutional investor hesitancy include a lack of information and
expertise when it comes to the type of direct infrastructure investment required to finance clean energy
projects, and a potentially unsupportive regulatory backdrop.
The Full Scoop - How To Generate Leads For Insurance Online
By: Jason Hornung – President Jason Hornung Agency, Inc. If you look around my site for any length of time, you'll notice the survey in the sidebar. The last question I ask is "what can I do to knock your socks off". Just the other day, I got this as a response to that very question: "Show me how to generate leads without just taking my money and running. Not much logs in the fire here." In this post, I'll give you all the steps that are involved with generating...
In this article, you are going to discover some things about insurance marketing on the internet that you won't hear anywhere else. And you'll see exactly why these things will prevent you from ever being successful marketing for insurance online. So buckle up tight and prepare for the ride partner...
If you are struggling with debt, having trouble managing your
money, or just aren't making enough money, you're reading the
My intent with this book is that it will be a guide for you to get
your finances on track as simply and easily as possible. This book
isn't intended to be a detailed manual on complex financial
subjects. It is simply meant to help you through the initial steps of
gaining control of your finances and to show you ways of
increasing your income.
Chapter 3 - Non-bank financial institutions (NBFIs). In this chapter, you will learn to: Understand the role of NBFIs in the financial system, outline the financial products and services provided by NBFIs, describe NBFI’s principal sources and uses of funds, examine the regulatory system.
Ohio’s best health insurance plans are available at Ohioquotes.com. Recent surveys and research reports have named the top medical insurance plans in the state for individuals and families. Ohioquotes.com, the top-rated consumer resource, provides instant quotes to these plans, and allows residents of the Buckeye state to easily compare affordable coverage and purchase policies at the lowest available rates. “We realize that it’s very confusing to research all of the different types of policies,” said CEO Ed Harris.
Insurance Websites - 3 Strategic Pillars Fundamental To Success
By: Jason Hornung – President Jason Hornung Agency, Inc. I’ve discovered 3 strategic pillars that are fundamental to the success of anyone who wants to market online. But before I get into those, you should know that the assumption here is that you already understand that having insurance websites are essential… I’m NOT going to be talking about building a website here today – what I have to share with you is far more advanced than that. Ok, now that we have that disclaimer out of the way, let’s talk about the...
How To Create An Online System To Generate Insurance Agent Leads
By: Jason Hornung – President Jason Hornung Agency, Inc. Below you will find a transcript from a coaching call I did with my client Russ Sims, who is an agent in Seattle. We are discussing how to use the Agent’s Lead Machine system to start generating insurance agent leads as quickly as possible. Just so you know, these coaching calls are normally $97 each for 30 minutes. However, if you enroll in the Agent’s Lead Machine Program by clicking the link below, you can get two of these calls for...
Symmetry Financial Group specializes in selling mortgage protection insurance policies. Our agents earn fruitful incomes in rewarding careers helping families to realize the benefits of mortgage protection insurance. This ebook was created to provide insurance agents with a culmination of insight and knowledge into achieving financial success in the mortgage protection business – gleaned from over 50 years of real world, firsthand experience in the industry.
Financial institutions are the firms that provide access to the financial markets, they sit between savers and borrowers and so are known as financial intermediaries. Banks, insurance companies, securities firms and pension funds,... In this chapter will introduce the financial institutions. Inviting you refer.
Chapter 8 - Home and automobile insurance. In this chapter, you will learn to: Identify types of risks and risk management methods and develop a risk management plan, assess the insurance coverage and policy types available to homeowners and renters, analyze the factors that influence the amount of coverage and cost of home insurance.
Chapter 9 - Health and disability income insurance. In this chapter, you will learn to: Recognize the importance of health insurance in financial planning, analyze the costs and benefits of various types of health insurance coverage as well as major provisions in health insurance policy, assess the trade-offs of different health insurance plans.