indonesia sharia insurance industry forecast 2013

best insurance stock - indonesia sharia insurance market forecast 2013 : Respect of the law will disahkannya about sharia insurance, six months after being all sharia units available in conventional master should spin off. According to sharia economic practitioner of the Shariah Economic Society (MES), Muhammad Syakir Sula. According Syakir Sula, in the year 2013 will be a lot of spin-off insurance sharia or break away from the conventional parent.

"If the Law on insurance verified, draftnya, among others, say six months after confirmation of Law sharia insurance then all units should be in the spin-off," he said, after filling Sharia Insurance Seminar event in Hall Student Center, Wednesday (12/12 / 2012) ago.

If there is no sharia insurance capital to stand on its own, then said Syakir, it should be merged with other syariah insurance. "If the insurance company does not have capital sharia then he should merge, merge with others," he said. It also reveals, from 43 sharia insurance industry, only one or two insurance sharia will not spin off. "But from the 43 sharia insurance industry, most of which only two may not be a spin-off, others I think will spin off its capital for 50 billion is not great," he said.

more Prospective

Syakir too optimistic, development and growth of insurance, capital markets, will be far more prospective pawnshop forward.

"I think now this, in Indonesia is only 22 percent of non-bank industry so the rest of the bank's policy direction forward I think that 22 percent would like to raise this to about 25 percent of the means towards the development and growth of insurance, capital markets, pawnshop will prospective far ahead, I think the regulator will forward this very attention to the balance between the growth of banking insurance growth, "he explained. *

Axa insurance stock prices forecast 2013

Axa insurance stock prices forecast 2013 : AXA Group (CS.PA) Year over year, AXA Group has seen revenues remain relatively flat (�98.9B to �99.0B), though the company was able to grow net income from �2.7B to �4.3B. A reduction in the percentage of sales devoted to cost of goods sold from 105.29% to 86.06% was a key component in the bottom line growth in the face of flat revenues.

On Dec. 18, 2012, Standard & Poor's Ratings Services lowered its counterparty  credit and insurer financial strength ratings on the core operating entities  of France-based composite insurer AXA group to 'A+' from 'AA-'. The outlook is  stable.

In our base-case assumptions, we expect the group's underlying earnings to  grow in the mid-single digits over 2013 and 2014, on the back of stable  contributions from its major business segments, continued improvement in the  P/C combined ratio (a measure of underwriting profitability), and steady life

and savings margins.

On August 21st, 2012 AXA announced the launch of its 2012 employee share offering ("SharePlan 2012"), a capital increase reserved to its employees worldwide. Over 21,000 employees in 40 countries, representing over 18% of the eligible employees, subscribed to SharePlan 2012.

AXA Group announced the appointment of V�ronique Weill, Chief Operating Officer and member of the Executive Committee, to the Group's Management Committee as of January 1. V�ronique Weill joined the company in June 2006 after having spent more than 20 years at JP Morgan, notably as Group head of Operations for Investment Banking and global head of IT & Operations for Asset Management and Private Clients. She was appointed Group Chief Operating Officer of AXA in December 2009, and is now in charge of Group Marketing, Distribution, IT, Operational Excellence, Procurement and GIE AXA.

AXA Market share in Asian
French insurer AXA is keen to expand its business in Singapore and Asia. As part of its growth plans, AXA unveiled its new offices that will house more than 600 of its staff in general and life insurance. Located at 8 Shenton Way, the AXA Tower stands 235 metres with 52 storeys. AXA is also focused on building its presence in Asia, where insurance premiums are expected to grow 17 per cent to US$957 billion in 2015. AXA commands a 9.5 per cent market share in general insurance with health, cargo and motor as its main products. So far, Indonesia and Thailand are AXA's key Asian markets for life insurance where it enjoys market share of 16 and 6 to 7 per cent, respectively. 

 AXA Group's Annual Earnings & Annual Revenues

AXA Group reported annual 2011 earnings of �1.57 per share on 02/18/2012. AXA Group had revenues for the full year 2011 of �86.1B. This was -5.3% below the prior year's results.

AXA Fundamentals

ear Ending	Revenue (� m)	Pre-tax (� m)	EPS	P/E	PEG	EPS Grth.	Div	Yield
31-Dec-07	86,116.00	7,695.00	213.61�	12.5	n/a	-11%	111.94�	4.2%
31-Dec-08	84,662.00	406.00	159.43�	9.7	n/a	-25%	38.18�	2.5%
31-Dec-09	84,646.00	5,564.00	149.00�	11.1	n/a	-6%	55.00�	3.3%
31-Dec-10	83,390.00	3,826.00	177.00�	7.0	0.4	+19%	69.00�	5.5%
31-Dec-11	80,570.00	4,589.00	143.00�	7.0	n/a	-19%	69.00�	6.9%

AXA Group (CS.PA) Forecasts Revenue

Revenue (� m)	Pre-tax (� m)	EPS	P/E	PEG	EPS Grth.	Div	Yield
31-Dec-12	85,414.50	6,290.86	183.74�	7.5	0.3	+28%	73.00�	5.5%
31-Dec-13	87,774.74	6,695.38	198.28�	7.0	0.9	+8%	78.40�	5.9%

AXA Group (CS.PA) Forecast Ratios

Year Ending	Revenue/Share	Price/Revenue per Share
31-Dec-12	� 35.76	0.39
31-Dec-13	� 36.75	0.38

 Data source FactSet Research Systems

 AXA Group (CS.PA) stock chart 1 year

AXA Shares Trends & Recommendations

Key Statistics for AXA Shares

About AXA Insurance Group

AXA Group, through its subsidiaries, provides insurance and asset management services. Its Life & Savings segment offers term life, whole life, universal life, endowment, disability, deferred and immediate annuities, and other investment-based products; and critical illness and permanent health insurance products for individual and commercial clients. The company�s Property & Casualty segment provides motor, household, property, and general liability insurance; health products; and engineering services to support prevention policies in companies.

AXA Group�s International Insurance segment offers coverage to large national and international corporations primarily relating to property damage, third party liability, marine, aviation and transport, construction and financial risk, and directors and officers liability, as well as provides loss-prevention and risk management services. It also offers assistance services, including medical aid for travelers, automobile-related road assistance, home assistance, and health-related services primarily to banking and insurance companies, tour operators, telecommunication operators, and automobile manufacturers, as well as to gas, water, and electricity utilities. In addition, this segment manages a book of reinsurance contracts of variable annuities with guaranteed minimum death and income benefits.

The company�s Asset Management segment provides investment management and related services to individual investors, and private and institutional clients; research portfolio analysis and brokerage-related services for institutional investors; and equity capital markets services for issuers of publicly traded securities. AXA Group�s Banking segment offers a range of retail banking products, such as current and savings accounts, mortgage loans, and mutual funds. The company operates primarily in Europe, North America, and the Asia-Pacific region. AXA Group was founded in 1852 and is headquartered in Paris, France.

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Insurance industry forecast 2013

Best Insurance stock - Insurance industry forecast 2013 : be depressed in the near term as a result of downward pressures on investment yields. Overall, the industry remains well capitalized whereby policyholder surplus for the P&C sector stood at $567.8 billion at June 30, 2012, an increase of $17.5 billion from yearend 2011. Policyholder surplus for life and accident & health sector was $318.4 billion June 30, 2012, compared to $310.4 billion at Dec. 31, 2011. In spite of this, both the P&C and life sectors continue to trade below book  value. The NASDAQ Insurance Index was up 4.52 percent for the first nine months of 2012 compared to 11.28 percent for the S&P 500. To counter this lackluster stock market performance, insurance companies are expected to create shareholder value by aggressively relying on share repurchases. Several carriers have recently announced their intention of doing this, and we expect this trend to continue well into 2013.

On the investment side, the Federal Open Markets Committee has announced its intention to keep interest rates low until mid- 2015. While this is a universal challenge for all insurance companies, it�s a distinct concern for P&C carriers. Their assets must be invested in short-term to medium-term maturities, which have been in a continuous decline (the average five-year and 10-year Treasury yields were 0.6 percent and 1.5 percent, respectively, in July 2012, compared to 1.4 percent and 2.75 percent in July 2011.) On top of this, in recent years, underwriting operations have also been less profitable.

Fitch Ratings expects combined ratios for 2012 and 2013 to be 101.1 percent and 100.3 percent, respectively. And while this is a marked improvement over 2011, we expect the P&C industry to see continued challenges. In the 1990s, insurance companies saw returns in excess of 7 percent through fixed income securities; today these yields have declined to roughly 5.5 percent. Therefore, we�ve seen a number of insurers exit or re-price unprofitable business lines and revisit their investment allocation and risk tolerance strategies to maintain or enhance the investment yields. In particular, a number of life and annuity

carriers have made these moves: Hartford, Sun Life and Manulife announced plans to exit the life and annuity business, and AXA and Aegon have offered lump-sum payments to their variable annuity contract holders with rich living benefit guarantees to remove the associated risks from their balance sheets. We expect this trend to continue.

To bolster investment yields, insurance companies are changing their asset allocation strategy, shifting to distressed asset classes, longer duration bonds, commercial mortgage loans and equities. But this means some companies, according to AM Best, are �deploying cash and short-term investments into lower-quality, high-risk investments� which could negatively impact their capital adequacy ratios and, therefore, their ratings. Yet, one positive impact of the continued lowinterest rate environment for some insurers, at least in the short-term, has been significant unrealized gains on older bond portfolios. But although this has a positive impact on surplus, it has not had much impact from an earnings perspective. Some insurers have opportunistically realized some of these gains, but it comes at the expense of earning lower yields in the future, as well as dealing with asset liability mismatch issues going forward. Download full articel

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Total insurance claims from hurricane sandy 2012

Best Insurance stock - Total insurance claims from hurricane sandy 2012, insurance claims in 2012,; A leading insurance company says natural disasters cost the industry $65 billion last year and that Superstorm Sandy accounted for nearly two-fifths of the total. However, Munich Re AG said Thursday total insured losses from natural catastrophes were down from a record $119 billion in 2011, when devastating earthquakes in Japan and New Zealand cost the industry dear.

The company said total economic costs in 2012 from natural disasters - including uninsured losses - amounted to $160 billion, compared with the previous year's $400 billion. Sandy was blamed for at least 120 deaths when it battered eastern coastline areas at the end of October. New York, New Jersey and Connecticut were the hardest-hit states. Munich Re estimated insured losses from Sandy at $25 billion and total losses at $50 billion.

Here is the number of insurance claims released by various insurance companies sand storm due 2012, which we took from various reputable news sites

Insured Losses From Hurricane Sandy $7-$15 Billion: AIR Worldwide

Catastrophe modeling firm AIR Worldwide estimated Tuesday evening that insured losses from Hurricane Sandy to onshore properties in the U.S. would be in the range of $7 billion to $15 billion. AIR�s insured loss estimate includes wind and storm surge damage to onshore residential, commercial and industrial properties and their contents, automobiles, and time element coverage (additional living expenses for residential properties and business interruption for commercial properties). Read More..

AXA Art InsuranceLosses from Hurricane Sandy May Reach $500 Million

Two months after Hurricane Sandy caused severe flooding in many Chelsea galleries, the bill for the art world�s recovery is shaping up to be hefty. By mid-November, AXA Art Insurance, one of the largest art insurers, estimated that it would be paying out $40 million, and a Reuters report last week quoted industry estimates suggesting that insurance losses for flooded galleries and ruined art may come to as much as $500 million � or the rough equivalent of what the art insurance business takes in each year. That would amount to the largest loss the art world and its insurers have ever sustained.Read More..

Swiss Re Sees $900 Million Insured Hurricane Sandy Losses
Swiss Re Ltd. (SREN), the world�s second- biggest reinsurer, said it estimates its claims burden from Hurricane Sandy to be about $900 million. Total market losses could be as much as $25 billion, Swiss Re dropped as much as 0.8 percent in Zurich. It fell 0.6 percent to 66.30 francs at 9:31 a.m., valuing the company at 24.6 billion Swiss francs ($26.5 billion). Munich Re, the world�s biggest reinsurer, declined 0.2 percent to 129.6 euros. Hannover Re (HNR1) lost 0.3 percent to 56.98 euros. Read more..

Selective Insurance Group Announces Hurricane Sandy Storm Losses
Insurance Group, Inc. (SIGI) today announced a preliminary pre-tax gross Hurricane Sandy loss of between $100 to $120 million and a pre-tax net loss of approximately $52 million, including reinstatement premiums and reinsurance recoveries. About two-thirds of the claims are in personal lines with the remaining in commercial lines.  One area of uncertainty remains business interruption claims, which are included in the estimates but are still developing as some businesses are not back to full operation.

Selective is the sixth largest writer for the National Flood Insurance Program and expects record claim activity this quarter that will generate estimated, pre-tax, claim service revenue of $12 million, which will partially offset the $52 million loss.  Together, these items will impact the fourth quarter statutory combined ratio by approximately 10 points and add an anticipated 2 points to our previous 2012 full-year guidance for the statutory and GAAP combined ratios. Read More..

AIR increases hurricane Sandy insured loss estimate by over 70%
Risk modeller AIR Worldwide has published an update to their estimate of insured losses resulting from hurricane Sandy today and the numbers have jumped considerably. AIR�s first estimate was published on the 30th October and in that update they gave a range of $7 billion to $15 billion of losses but said they expected it to rise. In today�s update AIR have given a tighter, but much higher estimated range of between $16 billion and $22 billion of losses to the insurance industry from Sandy. That�s a pretty significant jump, with the low-end estimate increasing by 128% from $7B-$16B, the mid-point estimate increasing by 72% from $11B-$19B and the high-end estimate increasing by 46% from $15B to $22B. AIR puts the increase down to the following: Read More..

Hurricane Sandy claims may exceed insurance program funds: FEMA
The federal government's flood insurance program may not have access to enough funds to cover anticipated claims from Hurricane Sandy victims, a top official at the Federal Emergency Management Agency said on Thursday. Edward Connor, FEMA's deputy associate administrator for federal insurance, told an insurance advisory panel on Thursday that his agency is projecting a flurry of flood-related claims in the neighborhood of $6 billion to $12 billion. read more..

to complete the total data sandy storm damage insurance claims in 2012, we are in need of data on the number of insurance claims from your insurance company, please post in the comments below

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Beazley insurance Stock Rating Prices Target

Beazley stock rating prices target : Nomura reissued their buy rating on shares of Beazley (LON: BEZ) in a research report released on Thursday morning. Nomura currently has a $3.42 (212 GBX) price target on the stock.

BEZ has been the subject of a number of other recent research reports. Analysts at Canaccord Genuity reiterated a hold rating on shares of Beazley in a research note to investors on Friday, November 23rd. They now have a $2.95 price target on the stock. Separately, analysts at JPMorgan Chase reiterated a neutral rating on shares of Beazley in a research note to investors on Thursday, November 22nd. They now have a $2.82 price target on the stock. Finally, analysts at JPMorgan Chase reiterated a neutral rating on shares of Beazley in a research note to investors on Friday, October 19th.

Shares of Beazley opened at 181.90 on Thursday. Beazley has a one year low of GBX 130.60 and a one year high of GBX 184.00. The stock�s 50-day moving average is currently GBX 167.6. The company�s market cap is �921.1 million.

About Beazley plc

Beazley plc is the parent company of specialist insurance businesses. The Company operates in six segments: Life, accident and health segment, which underwrites life, personal accident and sports risks; Marine segment, which underwrites a range of marine classes, including hull, energy, cargo and specie and war risks; Political risks and contingency segment, which underwrites terrorism, political violence, expropriation and credit risks, as well as contingency and risks associated with contract frustration; Property segment, which underwrites commercial, homeowners� and engineering property insurance on a worldwide basis; Reinsurance segment specializes in writing property catastrophe, property per risk, aggregate excess of loss and pro-rata business, and Specialty lines segment, which underwrites professional lines, employment practices liability, specialty liability, directors� and officers� liability and healthcare.

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F&C Asset Management stock rating prices target by jefferies Group

Best insurance stock today - F&C Asset Management stock rating prices target by jefferies Group : Jefferies Group reiterated their buy rating on shares of F&C Asset Management (LON: FCAM) in a research report sent to investors on Thursday morning. The firm currently has a $2.10 (130 GBX) price target on the stock.

Several other analysts have also recently commented on the stock. Analysts at JPMorgan Chase reiterated a neutral rating on shares of F&C Asset Management in a research note to investors on Tuesday, December 4th. They now have a $1.82 price target on the stock. Separately, analysts at Numis Securities Ltd reiterated a hold rating on shares of F&C Asset Management in a research note to investors on Monday, November 12th. They now have a $1.46 price target on the stock.

Shares of F&C Asset Management opened at 102.90 on Thursday. F&C Asset Management has a 52 week low of GBX 59.262 and a 52 week high of GBX 103.40. The stock�s 50-day moving average is currently GBX 95.05. The company�s market cap is �542.0 million.

F&C Asset Management plc (F&C) is an asset management company. The Company�s customers include insurance companies, institutional, retail and wholesale investors, for whom it manages investments, including fixed income, equities, property and alternative asset classes.

In permanent life insurance

Term life insurance or term assurance is a form of life insurance providing coverage at a fixed rate of payments for a limited period of time. On the expiry of the policy, the policy owner is left with the choice to renew the term life insurance policy or to let the coverage end. This type of insurance policy is in sharp contrast to permanent life insurance. In permanent life insurance, duration extends until the policy owner reaches 100 years of age. However, the policy does not provide any returns beyond the stated benefit, unlike permanent policies, which have a savings component that can be used for wealth accumulation. The fact is that it is the least expensive way to purchase a substantial death benefit on a coverage amount per premium over a specific period of time. The point is that after the stipulated period, coverage at the previous rate of premiums is no longer guaranteed. After the expiry of the period, in case, if the insured dies during the term, the death benefit will be paid to the beneficiary. The subject policy is generally associated with pure income replacement needs for an individual. It functions in such a way that it satisfies claims against what is insured if the premiums are up to date and the contract has not expired. In fact, it does not provide for a return of premium if no claims are filed. The plans are simple to understand and give you the choice to choose your plan, inclusions, premiums and payment frequency. The subject insurances gives you tax benefits under section 80 (C). Many term insurance plans are easily available online. The simplest form of it is for a term of one year and the company will provide death benefit to the beneficiary if the insured died during the one year term.It is also known as a pure risk cover plan for it helps you reduce the financial problems associated with any life risk arising to you. Side by side mitigating the risk, it helps your loved ones to overcome that financial trauma on account of a particular risk. A version of term insurance which is commonly purchased is annual renewable term (ART). Here, the premium is paid for one year of coverage. The policy is guaranteed to be able to be continued each year for a given period of years varying from 10 to 30 years and occasionally until age of 95. The rate of the premium goes on increasing with each renewal period. It eventually becomes financially viable as the rates for a policy would eventually exceed the cost of a permanent policy. The documents needed for taking a term life insurance policy are; Age Proof, Identity Proof, Address Proof, Income Proof, Duly Filled Proposal Form, and Some plans may require you to undergo Medical Tests.

Another insurance cost slicing approach

Reaching the age of retirement is a well deserved event that warrants the reward of being able to really experience the greater things in life. But working hard over the span of ones life surely takes a toll on personal health. Because of this, more and more senior citizens will need some sort of aid in their living situations. Data shows that as many as 50 % of our nations elderly are in need of assisted care. In addition, as the amount of individuals needing these programs heightens, so does cost. Fortunately, there are multiple methods to minimize month to month prices that are not nearly as complex as one may believe. One approach is to utilize the web. The internet has reinvented the buying and selling of goods and services. Therefore, it goes without saying that insurance (like everything else) is more affordable online. Being dubious about this concept is perfectly reasonable, but if bought right, it can cut your insurance costs by as much as 30 %. There are numerous reasons as to why insurance rates are lower from online retailers. Selling insurance internet is highly competitive due to the fact that so many salespersons utilize the web as a selling tool. Therefore, with increasing rivalry comes decreasing costs for potential customers. Next, think about daily operational costs for local lenders, they have supplemental costs like rental fee and office essentials to deal with. An online retailer has marginal operation cost obligations and can as a result sell at a lesser rate. Another insurance cost slicing approach is to make your monthly payments a routine. You may not think it, but insurance suppliers notice steady payment patterns because they result in a significant amount of savings for the agency. For instance, if you pay your dues on the same day every month then the insurance firm doesn't have to worry about the cost of distributing your statement. The money you save for the agency by paying your bills on time is reprimanded via lower monthly costs. Last but not least, the sooner you obtain a policy, the less you will have to pay in the future. Even if you are years from pension, it is crucial to note that almost ten percent of Americans, even those as young as 40, need facilitated care. Purchasing insurance earlier on in life is a safeguard for when you are older, as effective money maintenance and costs become more and more hard to overcome as you age.

Camilla Bratt -Insurance

Anticimex). He has own home insurance for their property in the House. If e.g. the House would burn down, as in the case of the article and he is causing, well my house insurance cover this, although I do not live in the House? Grateful for reassurance.
Camilla Bratt: Hej, Your condominium insurance would rebuild the House. If an investigation shows that your son has been careless and thus is liable for damages, liability insurance in his own home insurance to compensate potential damages. Liability insurance cannot replace an injury where the person is liable for damages covered by the same insurance as the one to have the damages. But that is not the case for you and your son.

Bamse: why do insurance companies always have even social security numbers before they leave the prices? There are no pages that lists prices and compare companies in the style of subsidy-hunting; now (i.e. without the need to leave their or someone else's social security number first)?
Camilla Bratt: Hi, Companies request social security numbers if you call or want pricing information online. US companies have said they can provide pricing information without disclosing your social security number if you are writing to the company.
Tomas: last winter, we ran out to a large amount of snow on the roof pushed away a takstos, where evacuation from the kitchen fan went out. Noticed this not at once, but only when melt water was looking down through the hole in the roof, into the wind, further down in the ceiling and then dripped down on the kitchen bench. In our entirely newly built/renovated kitchen! Fortunately, I was able to quickly close the hole and cut up and access the insulation in the ceiling, from the wind. But what then surprised me immensely was to l�nsf�rs�kringar refused me compensation on the grounds that it does not replace due to injuries. Only actual damages, which in this case was a piece of sheet metal chimney for a few hundred dollars. Not a penny for the kitchen. Lucky, the kitchen was not destroyed, it was enough to wipe out and replace the insulation, but I had been away for a few days and not found it, it had gone quite badly and no reimbursement

More insurance companies can raise premiums for smokers

Read more Frightening pictures will discourage smoking

Several insurance companies are reluctant to smokers should pay a higher premium. Skandia, which raises the premium suggests that those who smoke are exposing themselves to greater risk and, therefore, should pay more.
As of Monday, Skandia to levy a 25 to 50 percent higher premium for thos
e in the health declaration indicated that they smoked daily. The fee increase, which was presented on Saturday in the Dagens Nyheter's debate page for those who sign up for health insurance, personal accident insurance, or life insurance. L�nsf�rs�kringar would not raise premiums for smokers.
"We do not want to take a position on smoking. In addition, it is very hard to verify if people smoke or not, says H�kan Tell, Director of the health risk assessment of l�nsf�rs�kringar.
Trygg-Hansa will monitor the impact of Skandia's premium increase.
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"We have at times asked if the policyholder is a smoker. The trials were stopped because it is difficult to get accurate answers about living habits. Another problem is those who relapse, says Bj�rn Sporrong, head of Security-Hansa. solarwinds
To take account of smoking when valuations, however, is not something new, he said.
-We take into account whether people with severe asthma or blood circulatory diseases have not stopped smoking, he continues. gcu  innovatrics  spectrum aeromed
Trygg-Hansa believes that smoking in the future will have a greater significance for risk assessment.
Among smokers and non-smokers that DN [DAGENS NYHETER] talked with on the town were opinions shared. Among non-smokers were criticisms of Skandia's largest premium increase. What is the next step? Which should then be higher premiums?
Smokers, however, had some understanding that they would pay for the risks of smoking. Marcus Andersson, who had been lured to a Bachelor Party, sprang on her cigarette while he defended the increase in premiums.
I am party smokers. But I think a premium increase is reasonable. Smoking costs society a great deal of money and it is not unreasonable that smokers themselves should pay.
His friend Jocke Eriksson is also positive:
� I like the idea. Smokers can add their own money for costs. But I can imagine that it will be difficult discussions if insurance companies to sort out if it is smoking, which led to some damage, "he says, and tells her that it was over with both snus as cigarettes, for his part, five years ago.
Skandia's premium increase means that a perfectly healthy 40-year-old woman who smoke will pay $ 1.050 in annual premiums for a life insurance. For a non-smoker is premium $ 70.
How should the company determine whether people are lying?
� This is a matter of conscience. Here, the same rules of honesty that when we today fill in health declaration, says Per Blankets, medical risk assessment officer, Skandia Liv.
� For care records shows that someone has stated incorrect facts in the health declaration, payment changes. It can be the same with smoking, he continues.

BSU also held a meeting with the famous Russian writer

Work will begin on October 4 to participate in the International Humanitarian Forum in Baku, Vladimir Nikolayevich famous Russian writer Voynovic Baku Slavic University (BSU) students and teachers gorusmusdurAz?rTAc reports that at the meeting of the BSU rector, professor Kamal Abdullayev
Baku, October 3 (LSU). Work will begin on October 4 to participate in the International Humanitarian Forum in Baku, Vladimir Nikolayevich famous Russian writer Voynovic Baku Slavic University (BSU), met with students and teachers.
APA reports that the meeting of the BSU rector, professor Kamal Abdullayev spoke about the importance of the forum.
It was the visitors who took part in the event's history, culture, as well as have the opportunity to get acquainted with the literature. Discussions with representatives of the Azerbaijani community of Russian prose is also important to be familiar with.
Then KAbdullayev not only in Russia but also in Europe and the United States by offering its popular writer VNVoynovici meeting participants spoke about the life and creativity.
Baku and expressed his satisfaction with the arrival of VNVoynovici, attaches great importance to meeting with young people and the positive impact of the creation of such meetings, he said.
Russian and Azerbaijani peoples lived together for many years the writer has noted that, historically, have played an important role in bringing the literature of the relations between the two nations. After that, the writers, poets and literary critics will make a great contribution to the development of bilateral relations.
Due to the fact that young people prefer speaking at the meeting said that a well-known writer, he studied the works of these meetings thoughts and ideas of the young generation uses. It is very important to know the views of young people to create new works. Therefore, the relations between nations should continue to be the future of today's youth.
Then VNVoynovic answered students' questions.
At the end of the newly published book writer "fairy tales for adults" a few copies of the book were presented to the BSU library.

Hankuk University of Foreign Languages ??in Baku State University

In order to participate Baku International Humanitarian Forum, who arrived in the Republic of Korea Hankuk University of Foreign Languages, Spanish literature scholar Chul Park and the dean of the university's external relations, foreign languages ??professor at the faculty of Baku State on October 3 Tae Yeonb Janq
Baku, October 3 (LSU). In order to participate Baku International Humanitarian Forum, who arrived in the Republic of Korea Hankuk University of Foreign Languages, Spanish literature scholar Chul Park and the dean of the university's external relations, foreign languages ??professor at the faculty of Baku State University on October 3 Tae Yeonb were Janq.
APA reports that the meeting held in the university's rector, MP, academician Abel Maharramov establishment and development of the university's history, and international relations activities, programs and projects of the grant reported on.
With the establishment of diplomatic relations between the Republic of Korea, Republic of Korea President stressed that the country celebrates the 20th anniversary of the first republics as independent states, one of which was that.
Academic A.Maharramov between the two countries in the political, economic, educational, cultural and other fields said that the development of relations and cooperation in the mutual visits of heads of state of both countries' contribution to the development said.
Already in 2007, the rector of the university, noted that the Korean language and literature in the field of education, he said 38 students.
Rector of BSU students of the faculty of applied mathematics at the University of KAIST Korea successfully continue their education, as well as their staff of trained ICT don?c?kl?rini said.
Abel Maharramov of Azerbaijan-Korean friendship and cooperation between the two countries in the development of Information Assurance Center, spoke about the role of exchange of researchers and PhD students, professors and staff professional development in the field of mutual assistance, organization of seminars and conferences with the participation of the parties, the importance of the projects and programs of mutual interest said.
Hankuk University of Foreign Languages ??Chul Park expressed his satisfaction with the meeting between the two countries, and scientific and educational relations would be expanded.
CPark, as well as the first university in Central Asia, Azerbaijan and Turkey, said that the teaching activities of the department.
Living in the country of student-teacher exchanges between the two institutions said that they are interested.
With special emphasis on the importance of the Baku International Humanitarian Forum meeting, discussions were held regarding the future development of cooperation between the two institutions agreed on the implementation of the teacher-student exchange.
Korean scientist was presented with a gift.
Korean guests at the State University of Azerbaijan-Korea got acquainted with the activities of the Center for Information Assurance.

Info Sharp: I second the Homeland

Homeland of my second. Azerbaijan and its capital very much. Innovations of the visit to Baku, we witness the changes. Large-scale renovation work in Baku, Leading edge buildings are being constructed Baku, October 3 (LSU). Homeland of my second. Azerbaijan and its capital very much. Innovations of the visit to Baku, we witness the changes. Large-scale renovation work in Baku, Leading edge buildings are being constructed. People are fascinated by the beauty of Seaside National Park. In the true sense of the word, is a process of rapid development. Now one of the most beautiful cities in the world. This is the second visit to Baku International Humanitarian Forum, former member of the German Bundestag, Professor Hakki Keskin, a special meeting to interview. Noting that the visit is often a guest on International Humanitarian Forum in Baku, he said: "I ??think they chose the right way. Recognition is of great importance in the world. In this respect, it is very important to hold such a prestigious event. Well-known personalities from around the world come together here, discuss topics of international importance will also be familiarized with Azerbaijan, Baku will have an opportunity to learn more about the development process. The role of the media as a forum multikulturizm and current issues will be discussed. These are very important issues in the world. At the same time the doors open to the world to discuss global problems demonstrates once again ".

Coca Cola the world on brendidir

Trade brand 77.8 billion dollars.
Baku, 4 October"Coca Cola" brandy of the world 8 in 2012 interest of expensive brandy olmaqda continue.
This "Interbrand" agency managing the world of expensive face brandy and think of traditional hesabatinda deyilir.
M�t?x?ssisl?rin r?yin? d?y?ri, "Coca Cola" trade brand of 77.8 billion dollars b?rab?rdir. 22-ci in q?rarlasan "Pepsi" 16.6 billion dollars in Caucasus and that "Coca Cola" from 4.7 times.
"Interbrand" of m?lumatlarina is the second of the "Apple" rivers. Il d?f?d?n d?y?ri artaraq two more during the brand's 76.6 billion dollars reached 63,3 percent in 1998. Set "IBM" (75.5 billion dollars) baglayir. Besliy? "Google" (69,7 billion) and "Microsoft" (57.9 billion) companies. Onluqda "General Electric

The ECB warning that the public debt will go for 100% of GDP if the adjustment fails

The European Central Bank has estimated that Spain�s government debt will surpass the barrier of 100% of its gross domestic product (GDP), if it fails to complete the structural adjustment plan announced to restore sustainability to their accounts and reduce the deficit below the 3 percent limit imposed by Brussels. The Agency States that President Mario Draghi in its September issue, at worst the State provided that responsibility could rise up to a peak of 104% of GDP in 2016. This choice would triple pre-crisis levels when he was over 35%. The ECB defines three possible scenarios for Spain: the first is carried out on the basis of economic policies, the second depends on changes in interest rates and the third, in which the Government intends to infringement regulations before the Commission and its partners Union euros. The latter is, in the opinion of the Central Bank, the largest drop since it would prevent the deficit reduction and then is the worst consequence would be for Spanish public debt continue to rise over the next four years. �In this scenario, the debt-to-GDP ratio will peak at 104% in 2016 and then decrease to 103% in 2020?, the ECB said. The reason for the gap between the level of 68.5%, which closed the 2011 with 106% is, in principle, to credit up to 100,000 billion bailout of banks and, from there, the lack of success in reforms would make it impossible to recover a positive balance between revenue and expenditure. Restore the sustainability of public finances is a prerequisite for allocating resources to reduce liabilities and that require further borrowing.

A challenge to Obama and the � Arab spring Part 1

Islamic radicalism has become a challenge for the United States, the policy of the President and the new democratic Governments that emerges from popular revolts. Islamic radicalism, overshadowed in recent years by force and the nobility of the Arab spring, has become a great challenge for the United States, in particular for President Barack Obama�s policies, and, by extension, new and still weak democratic Governments that emerges from popular revolts. This challenge, the result is yet to be decided, coincides with the moment of greatest vulnerability for Obama, just weeks before the election, and complete definition of the direction in which the Arab world is heading. Attacks on U.s. embassies and Western symbols, which began on Tuesday and is spread over 20 Muslim countries from North Africa to Asia, sent yesterday, after several acts of violence that have left several people dead, including the U.s. Ambassador to Libya � has created a sense of lawlessness in some large cities like Cairo, and triggered global alarm. If the protest movement is contained here, the consequences would be limited: more interruptions in a region convulsed by nature. But if you�ve played and continues for several days, you will eventually have a significant impact, both in the countries concerned by the protests and in the electoral process in the United States.

A challenge to Obama and the � Arab spring � (part 2)

The death of Osama bin Laden, at the end of the war in Iraq, early withdrawal from Afghanistan and, above all, making the Arab streets in recent years by the forces much more diversified and reformers had created the illusion of that radicalism was buried. The protests of recent days, symbolized by the erection of a flag of Al Qaeda in the United States Embassy in Tunisia served to remind us that it is not. But had enough opportunities for extremist forces of the Islamic world should send the message that we lack. However, with all the concern that these events have generated, not everything what happened in these days is cause for pessimism. First, we must take into account the size of the protests. According to various correspondents, the groups have attacked the embassies or flags burned in no circumstances exceed a few hundred, nothing compared to the hundreds of thousands who occupied Tahrir square and other places in the region for weeks or longer with the heroism of Syria fighters. Even more telling was the reaction of the Governments involved. Libyan authorities have arrested and convicted of the murders of four US officials, avoiding, perhaps, that the fleet of the United States must take the law alone.

Bicycle theft in the household insurance

More than 300,000 bicycles are stolen or stolen temporary authorization. The resulting damage is immense. The insurance companies pay annually about 100 million � for stolen bicycles. If you consider that only a small part of the bike is insured, it is clear that the estimated number of bicycle thefts is much higher. Anyone who owns a bike should think about his bike to insure a bike theft insurance. Especially with expensive wheels a bicycle theft insurance is advisable as a theft insurance does not otherwise provide replacement.

The bike theft insurance can be used as auxiliary power for most household insurance will be completed. The Hauratversicherung occurs when damage to household goods through robbery, burglary, vandalism, fire, storm, hail and tap water. For household furnishings, and of household goods of a household are counted. In addition to the mere cost of the damage to property and contents insurance assumes the costs for cleanup and hotel accommodation if the home or the home is temporarily uninhabitable by the damage became. Can be additionally included a protection against glass damage, damage caused by natural forces, against surge damage and against theft of bicycle.

When the bike theft insurance, you should know exactly what services they include. Many bike theft insurance policies cover only fully robberies that have occurred in the period between six and 22 clock, unless you had the bike at that time in use. Newer insurance policies often do not have this restriction more. It is therefore important if you have an existing bike theft insurance, to look at the conditions carefully, as necessary to complete a more recent contract.

Important in a bike theft insurance is that you know the part number of his bicycle. Knowing the frame number may be a condition for the performance of the bike theft insurance.

Most household insurance with enclosed bicycle theft insurance pay in case of theft, for example, but not vandalism. This means that if the bike is retrieved and this has been badly damaged, the bike theft insurance for the damage to the bike does not arise. This assumes the bike theft insurance the damage must also be demonstrated that the bicycle was properly secured by measures such as a bicycle lock. It is also important that you keep the bike purchase invoice and the invoices for items such as a bicycle lock or additional equipment to be able to demonstrate the value in the event of damage to the bicycle.

The insurance covers the contents insurance with enclosed bicycle theft usually an amount exceeding 5 percent of the sum insured. Who wants to take out a bike theft insurance, you should therefore compare the sum insured to the value of the bicycle and of course the premium amount. For very old and very inexpensive bikes, it may be that the premium is too high and the bike theft insurance is not so worthwhile. For new and high-priced wheels it is recommended in any case, if one has compared the conditions of insurance and the claims settled.

When the bike theft insurance after a claim has both the customer and the insurance company the option to terminate the existing contract extraordinarily.

There are very few insurance companies that offer a clean bike theft insurance with no insurance.

If you are not sure whether his household insurance to bicycle theft has been or who is considering extending the insurance coverage for his new bike make sure the conditions of his existing household insurance read carefully and can explain them if necessary by his insurance. Only way to ensure that you have for your bike, the bike theft insurance that you need.

The stock market turns up at summer

If history repeats itself, the stock market to turn up during the summer.

A compilation of course development on the Stockholm Stock Exchange shows on several factors pointing to fluctuating nature now is over. An argument for the stock market to turn up is the fact that the Stockholm bears late hit by declining rates during two summers in a row, 2010 and 2011 and experience happens there three summers in a row. Another argument is the time that has passed since the last Exchange top that fell 16 March passes 100 dragarstrecket.

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Tags: Stock Exchange, Course Development, Stockholm Stock Exchange

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Welcome to SparaCerberus save the Cerberus is a gathering place for news. The aim is to help both existing as potential clients and employees to quickly and easily able to follow developments in savings, investments and insurance solutions. The goal is to offer information that contributes to a better financial planning.For existing and potential clients who wish to establish and maintain an effective financial planning, please contact Cerberus. Cerberus on Twitter

It is worthwhile to defer income tax

Asking for deferral of capital gains tax on the dwelling is worthwhile, however, makes the rules that some hesitate to move, and this slows down the housing market.

It is currently cheaper to borrow by the Government than by the Bank since schablonbeskattningen corresponding to a deductible rate of around 3.25% while the bank rate is around 4%.

Daniel Liljeberg, Chief Economist of the owners believe that it depends on what you think about interest rates development, but in the present situation, it is better not to pay capital gains tax, but instead pay the tax suspension.

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Tags: Home, Capital Gains Tax, Income Tax, Profit Tax

Tuesday, July 3rd, 2012 housing, InvesteringLeave (a) ReplyCancel replyName (required) Mail (will not be published) (required) WebsiteMessage

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Welcome to SparaCerberus save the Cerberus is a gathering place for news. The aim is to help both existing as potential clients and employees to quickly and easily able to follow developments in savings, investments and insurance solutions. The goal is to offer information that contributes to a better financial planning.For existing and potential clients who wish to establish and maintain an effective financial planning, please contact Cerberus. Cerberus on Twitter