December 17, 2017

3rd Annual Employer Healthcare Congress is pleased to announce First Horizon Msaver as a Silver S



DoctorFirst Horizon Msaver Inc. is a leader in the servicing of Health Savings Accounts (HSAs) and is a member of the First Horizon National Corp. (NYSE:FHN) family of companies. With first-to-market technology like electronic enrollment, banking online, online bill pay, investment options and a dedicated HSA customer care center, First Horizon Msaver is helping thousands of Americans get the most out of their tax-favored HSAs. First Horizon companies have been recognized as some of the nation's best employers by AARP and Working Mother. First Horizon also was named one of the nation's 100 best corporate citizens by CRO magazine.

More information can be found at www.firsthorizonmsaver.com.
"We wouldn't miss this opportunity to take part in the upcoming National Health Care Reform Conference.  The NHCR Conference will prove to be an invaluable resource for all in attendance because we know that real Healthcare Reform is not achieved with government control, rules and regulations but rather a nation coming together with resolve to achieve, physical, fiscal and social health responsibility"
 
Craig Keohan, President – First Horizon Msaver, Consumer Driven Health Care Solutions.

Prescheduled Networking Meetings

Throughout the National Healthcare Reform Conference

New Market Research Report: Singapore Retail Report Q4 2010

The Q410 BMI Singapore Retail Report forecasts that total retail sales will grow from an estimated SGD41.54bn (US$29.99bn) in 2010 to SGD47.11bn (US$35.42bn) by 2014. A low unemployment rate, rising disposable income and a strong tourism industry are key factors behind the forecast growth.

Singapore's nominal GDP is forecast to be US$190.5bn in 2010. Average annual GDP growth of 4.9% is predicted by BMI to 2014. With the population expected to increase from 5.1mn to 5.2mn over the forecast period, GDP per capita is predicted to rise from US$37,820 in 2010 to US$45,741 by 2014. Our forecast for consumer spending per capita is for an increase from US$15,656 in 2010 to US$20,240 by the end of the forecast period.

The Singapore Department of Statistics' figures show that median monthly household income from work among all resident households increased by 13% from SGD4,380 (US$3,068) in 2007 to SGD4,950 (US$3,469) in 2008. The number of households in higher income brackets also increased, with the proportion of employed households earning at least SGD7,000 (US$4,900) per month increasing from 33% in 2007 to 39% in 2008.

Visitor arrivals to Singapore declined by 4.3% y-o-y in 2009 to 9.7mn, with the STB stating that its previous target of 17mn visitor arrivals and SGD30bn (US$21bn) in tourism receipts in 2015 will be a challenge. However, with the opening of the World Sentosa and Marina Bay Sands resorts, the STB is targeting 11.5-12.5mn visitor arrivals and SGD17.5-18.5bn in tourism receipts for 2010. The year started well, with visitor arrivals in January 2010 up by 17.6% y-o-y to 908,000; and rising by 24.2% to 857,000 in February, the highest total ever recorded for the month.

BMI forecasts the over-the-counter (OTC) pharmaceutical sector to be worth US$137mn in 2010 and that sales will increase by more than 19% to US$164mn by 2014. Sales of consumer electronics products are expected to increase by 11%, from US$3.26bn in 2010 to US$3.62bn by the end of the forecast period.

Retail sales for the BMI universe of Asian countries in 2010 are forecast at US$2.66trn. China and India are predicted to account for almost 91% of regional retail sales in 2010, and by 2014 their share of the regional market is expected to be more than 92%. Growth in regional retail sales for 2010-2014 is forecast by BMI at 72.2%, an annual average 14%. India should experience the most rapid rate of growth, followed by China. Singapore's market share of 1.1% in 2010 is forecast to fall to 0.8% by 2014.

Report Table of Contents:

Executive Summary
SWOT Analysis
- Singapore Retail Business Environment SWOT
- Singapore Political SWOT
- Singapore Economic SWOT
Business Environment Outlook
- Asia Pacific Retail Business Environment Ratings
- Table: Asia Pacific Retail Business Environment Ratings
- Singapore's Retail Rating
- Limits Of Potential Returns
- Risks To Realisation Of Returns
Market Overview
- Key Players
- Current Trends
Industry Forecast Scenario
- Retail Growth Outlook
- Table: Key Retail Indicators, 2007-2014
- Table: Retail Sales Breakdown By Key Segment, 2010f
- Macroeconomic Outlook
- Table: Singapore – Economic Activity
Regional Retail Outlook
- Asia Pacific Retail Regional Outlook
- Table: Asia Retail Sales, 2007-2014 (US$bn)
- Table: Asia Food Consumption, 2007-2014 (US$$bn)
- Table: Asia Macroeconomic Outlook, 2007-2014
Mass Grocery Retail
- Singapore Mass Grocery Retail SWOT
- Market Overview
- Structure of Singapore's Mass Grocery Retail Market by Estimated Number of Outlets
- Structure of Singapore's Mass Grocery Retail Market by Value (US$bn)
- Structure of Singapore's Mass Grocery Retail Market by Value (SGDbn)
- Estimated Average Sales per Outlet by Format, 2008
- Industry Forecast Scenario
- Table: Mass Grocery Retail Indicators (US$bn) – Historical Data & Forecasts By Format
- Industry Developments
Consumer Electronics
- Singapore Consumer Electronics SWOT
- Singapore Electronics Industry SWOT
- Market Overview
- Computers
- Table: Computers – Demand (US$mn)
- AV
- Table: AV – Demand
- Communications
- Table: Mobile Handsets – Demand
- Industry Forecast Scenario
- Table: Consumer Electronics Overview
- Industry Developments
Automotives
- Singapore Autos Industry SWOT
- Market Overview
- Table: Top 20 New Vehicles Registrations, January-October 2009
- Commercial Vehicles
- Table: New Commercial Vehicle Registrations, 2003-2008
- Table: Top 10 Commercial Vehicles By Brand, 2008
- Table: Top 10 Commercial Vehicles By Brand, January-March 2009
- Industry Forecast Scenario
- Table: Singapore Automotive Sector Registered Vehicles – Historical Data And Forecasts (CBUs)
Country Snapshot: Singapore Demographic Data
- Section 1: Population
- Table: Demographic Indicators, 2005-2030
- Table: Rural/Urban Breakdown, 2000-2030
- Section 2: Education And Healthcare
- Table: Education, 2000-2004
- Table: Vital Statistics, 2005-2030
- Section 3: Labour Market And Spending Power
- Table: Employment Indicators, 2001-2006
- Table: Consumer Expenditure, 2000-2012 (US$)
BMI Methodology
- How We Generate Our Industry Forecasts
- Sources

About Business Monitor International

Business Monitor International (BMI) offers a comprehensive range of products and services designed to help senior executives, analysts and researchers assess and better manage operating risks, and exploit business opportunities, across 175 markets.  BMI offers three main areas of expertise: Country Risk BMI's country risk and macroeconomic forecast portfolio includes weekly financial market reports, monthly regional Monitors, and in-depth quarterly Business Forecast Reports.  Industry Analysis BMI covers a total of 17 industry verticals through a portfolio of services, including in-depth quarterly Country Forecast Reports.  View more research from Business Monitor International at http://www.fastmr.com/catalog/publishers.aspx?pubid=1010

About Fast Market Research

Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.

For more information about these or related research reports, please visit our website at http://www.fastmr.com or call us at 1.800.844.8156.
 

Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.

Poland Insurance Market Forecast (2008-2012) Research Report

CurrenciesThe Polish insurance market has performed reasonably well over the past couple of years except 2009 when the financial crisis hit the market badly. It grew at a CAGR of over 13% during 2005-2009. The Polish insurance market is dominated by life insurance segment that has shown more consistent growth and outperformed non-life counterpart over the last few years. However, life insurance fell sharply in 2009 owing to adverse economic conditions.

According to our new research report "Poland Insurance Market Forecast (2008-2012)", demand for life insurance products in Poland has again picked up with the revival of economy and improvement in income level. This is evident from the fact that the gross written premium by life insurers has increased by around 4% during the first quarter of 2010 over the same period last year. With this revival in demand for life insurance products, the gross premium written by life insurer is expected to grow at a CAGR of around 16% during 2009-2013.

The report provides an extensive research and objective analysis of the growing insurance industry in Poland, its structure and demand potential. The report has also identified the important players operating in the sector. The key players section talks about business profiling of all leading players. Moreover, it has analyzed all the emerging trends, important drivers and key challenges to help investors understand the market conditions.

The report has also identified the possible growth areas for expansion of the Polish insurance industry. Most importantly, the report has figured out the expected insurance sales of both life insurance and non-life insurance segments. The forecast is based on the correlation between past market growth and growth in base drivers, penetration level, rise in living standard, GDP growth and competitive structure and government support.

We sell Retail Industry and business research reports based on market research reports and industry research reports.

New market study, Indonesia Retail Report Q4 2010, has been published

Finance NewspaperThe Q410 BMI Indonesia Retail Report forecasts that the country's retail sales will grow from IDR1.24trn (US$120.02bn) in 2010 to IDR2.09trn (US$201.82bn) by 2014. Strong underlying economic growth, the world's fourth-largest population (which is growing), rising per-capita incomes and the continued development of organised retail infrastructure are key factors behind the substantial growth forecast in Indonesian retail sales.

Indonesia's nominal GDP is forecast to be US$675.57bn in 2010 and BMI predicts average annual GDP growth of 5.7% through to 2014. With the population forecast to increase from 232.5mn in 2010 to 244.7mn by 2014, GDP per capita is predicted to grow 63% by the end of the period, reaching US$4,732. Our forecast for consumer spending per capita is for an increase from US$1,450 in 2010 to US$2,183 in 2014.

Tourism plays a large part in the health of the Indonesian retail industry, with Bali – the jewel in the country's tourism crown – generating 30% of national tourist revenue, an estimated US$3bn a year. According to government data, salaries of employees in the formal sector have risen by 20% since 1999, with the average wage now standing at IDR2,412,000 (US$219) per month. These higher-income earners make up about 30% of the total workforce.

Food consumption is forecast to be US$65.55bn in 2010, rising to an expected US$97.96bn by 2014, an increase of 47.2%. The mass grocery retail (MGR) sector, which is still developing, will achieve even more substantial growth – BMI forecasts sales to rise by 57.7% to US$10.44bn by 2014.

Other retail sub-sectors forecast to show healthy growth over the period include automotives, in which BMI expects sales to increase by 86.5%, from US$11.32bn in 2010 to US$21.11bn by 2014. Over-thecounter (OTC) pharmaceutical sales are forecast to grow by just over 62%, from US$1.47bn in 2010 to US$2.38bn by 2014. Consumer electronic sales are also predicted to rise about 55%, from US$6.96bn in 2010 to US$10.82bn by the end of the forecast period in 2014.

Retail sales for the BMI universe of Asian countries in 2010 are forecast to reach US$2.66trn. China and India are predicted to account for almost 91% of regional retail sales in 2010 and by 2014 their share of the regional market is expected to be more than 92%. Growth in regional retail sales for 2010-2014 is forecast by BMI at 72.2%, with an annual average of 14%. India should experience the most rapid rate of growth, followed by China. Indonesia's forecast market share of 4.0% in 2010 is expected to be the same in 2014.

Report Table of Contents:

Executive Summary
SWOT Analysis
- Indonesia Retail Business Environment SWOT
- Indonesia Political SWOT
- Indonesia Economic SWOT
Business Environment Outlook
- Asia Pacific Retail Business Environment Ratings
- Table: Asia Pacific Retail Business Environment Ratings
- Indonesia's Retail Rating
- Limits To Potential Returns
- Risks To Realisation Of Returns
Market Overview
- Current Trends
- Key Players
Industry Forecast Scenario
- Retail Growth Outlook
- Table: Key Retail Indicators, 2007-2014
- Table: Retail Sales Breakdown By Key Segment, 2010f
- Macroeconomic Outlook
- Table: Indonesia Economic Activity, 2007-2014
Regional Retail Outlook
- Asia Pacific Retail Regional Outlook
- Table: Asia Retail Sales, 2007-2014 (US$bn)
- Table: Asia Food Consumption, 2007-2014 (US$$bn)
- Table: Asia Macroeconomic Outlook, 2007-2014
Mass Grocery Retail
- Indonesia Mass Grocery Retail Industry SWOT
- Market Overview
- Table: Structure Of Indonesia's MGR Sector – Estimated Number Of Outlets
- Table: Structure Of Indonesia's MGR Sector – Sales By Format (IDRbn)
- Table: Structure Of Indonesia's MGR Sector – Sales By Format (US$mn)
- Table: Average Annual Sales By Format, 2008
- Industry Forecast Scenario
- Table: Mass Grocery Retail Sales by Format – Historical Data & Forecasts
- Average Annual Sales by Format – 2008
- Industry Developments
Consumer Electronics
- Indonesia Consumer Electronics SWOT
- Indonesia Electronics Industry SWOT
- Market Overview
- Computers
- Table: Computer Spending By Sector, Estimate
- Table: Computers – Sales, 2007-2014
- Audio/Video
- Table: AV – Demand, 2007-2014
- Mobile Handsets
- Table: Mobile Telephone Industry Sales, 2007-2014
- Industry Forecast Scenario
- Table: Consumer Electronics Overview, 2007-2014
- Industry Developments
Automotive
- Indonesia Autos Industry SWOT
- Market Overview
- Industry Forecast Scenario
- Table: Indonesia Automotive Market – Historical Data And Forecasts
- Table: Indonesia Automotive Market – Historical Data & Forecasts
- Industry Developments
Country Snapshot: Indonesia Demographic Data
- Section 1: Population
- Table: Demographic Indicators, 2005-2030
- Table: Rural/Urban Breakdown, 2005-2030
- Section 2: Education And Healthcare
- Table: Education, 2000-2005
- Table: Vital Statistics, 2005-2030
- Section 3: Labour Market And Spending Power
- Table: Employment Indicators, 2001-2006
- Table: Consumer Expenditure, 2000-2010 (US$)
- Table: Average Annual Manufacturing Wages, 2000-2012
BMI Methodology
- How We Generate Our Industry Forecasts
- Sources

About Business Monitor International

Business Monitor International (BMI) offers a comprehensive range of products and services designed to help senior executives, analysts and researchers assess and better manage operating risks, and exploit business opportunities, across 175 markets.  BMI offers three main areas of expertise: Country Risk BMI's country risk and macroeconomic forecast portfolio includes weekly financial market reports, monthly regional Monitors, and in-depth quarterly Business Forecast Reports.  Industry Analysis BMI covers a total of 17 industry verticals through a portfolio of services, including in-depth quarterly Country Forecast Reports.  View more research from Business Monitor International at http://www.fastmr.com/catalog/publishers.aspx?pubid=1010

About Fast Market Research

Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.

For more information about these or related research reports, please visit our website at http://www.fastmr.com or call us at 1.800.844.8156.
 

Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.

You have until October 2010 to file all claims related to Hurricane Wilma

Demolished HouseAlmost 4.5 years after Hurricane Wilma battered South Florida, some homeowners are still dealing with insurance claims. Some say insurance companies delay payments and slow investigations. Many homeowners still struggle financially to cover all costs denied by their insurance company. Reasons for the unsettled or underpaid claims vary. Unfortunately many homeowners learn years later how extensive hurricane damage was and that their insurance settlement only covered a fraction of the damage. Many policy holders don't know their rights, and go along with an initial low settlement offered by the insurance company.  If you have

   * Do you have Hurricane Wilma insurance claim that settled for less than you deserved?

   * Do you have property damage claim from Hurricane Wilma that was denied by your insurance company?

   * Didn't know that you can reopen a claim to cover all your expenses?

   * Still struggling to pay the bill for repairs, business interruption or moving costs?

Call Today to get a just and fair settlement to cover all costs associated with Wilma: 954.742.8248 or contact me immediately at administrator@florida-pa.com. 

A recent research study by the Office of Program Policy Analysis and Government Accountability showed that hurricane claims handled by Public Adjusters settled for over 700% more funds than those handled by the policy holder!

A licensed Public Adjuster will:

   * File (or re-file) your Hurricane Wilma insurance claim.

   * Expertly assess, document and analyze all Wilma related damage.

   * Review all costs and losses associated with the claim, such as business interruption, loss of income, moving or renting expense and repair costs following Hurricane Wilma.

   * Professionally communicate and negotiate with your insurance company – we speak the same language as your insurance company, but work for you!

   * Handle all related paper work, follow-up calls and appointments.

   * Make sure your insurance company is fully accountable for all damages and losses covered by the policy you continuously pay for.

Let a professional Public Adjuster review your Hurricane Wilma claim.  Florida law provides a five-year Statute of Limitations within which to file or re-open your insurance claim. Thus, the deadline is fast approaching on the Hurricane Wilma insurance claims, so immediate action is required.

Contact Zevuloni & Associates, Public Adjusters Today!

Corporate Headquarters: 10130 NW 47 St., Sunrise, Fl 33351
Phone: 954.742.8248
Toll-Free: 1.877.938.8566
Fax: 954.742.8250
Email: administrator@Florida-Pa.com
 

Zevuloni & Associates, Public Adjusters have handled numerous property insurance claims across Florida, Connecticut and Georgia since 2005. Our winning settlements range from thousands of dollars to over 40 million.

Our impeccable track record and continuous client satisfaction has established Zevuloni & Associates as premier leader in the field of property insurance claims.

We exclusively represent you during the entire claim process by evaluating, estimating and negotiating your claim in the case of a loss.

Spoonful of Generosity Sends Young Boy to Disney World

Williamsville, NEW YORK Silver Spoon Personal Financial Officers, LLC. sponsored, hosted and organized an art auction to benefit the Make-A-Wish Foundation. The proceeds generated helped send 4-year-old Colby and his family to Disney World. Colby is diagnosed with liver cancer and his wish was made possible thanks to Seth Greene, Silver Spoon's CEO.

The art auction was held in late June at the Westwood Country Club. The artwork was sold by celebrity auctioneer, former Buffalo Bills player, Adam Lingner. Twenty-three pieces of art were sold, six more that the previous auction held earlier in the year. "Silver Spoon Personal Financial Officers, LLC. is thrilled that we were able to make Colby's dream come true. We are honored to sponsor this incredible event for the second time, "Greene said, "The Make-A-Wish Foundation is an important organization and we are confident that our company can help provide additional funding to meet their needs."

Silver Spoon Personal Financial Officers, LLC is a comprehensive wealth management office, where clients are made to feel like they were born with a Silver Spoon in their mouths.

Unemployment Health Insurance Alternatives – COBRA and Beyond

COBRA is NOT health insurance. It is, rather, a federal law that helps some terminated employees stay in their group plan for several months. It can be critically important for some families, and can work out well if the insured worker can find another job with group insurance before the benefits run out. However, this does not work out for everybody. Here are some reasons why COBRA is not an unemployment medical plan choice for everybody.

Not all companies are under this mandate. Some companies never had a group plan in the first place. Others are too small to fall under the rules. So terminated employees from these companies will not have his option for a major medical plan. Some unemployed people do not have this option at all.

When a terminated employee accepts an extension of their group medical plan under COBRA rules, they will have to pay for it. In many cases, they not only have to pay the premium they paid before, but they will also have to pay the old employer contribution. Many terminated employees are shocked when they see that their premium will double or triple because the old company is not contributing any longer. So sometimes the premiums are just too expensive for unemployed people to pay!
What are some unemployment health insurance alternatives?

Unemployed people do have some alternatives. These alternatives can also be considered by people who are working, but have jobs or self-employment that does not have group medical benefits.

Individual Health Insurance Policies – Sometimes, if a family is fairly young and healthy, a private plan may actually be a less expensive way to find coverage. Policies are individually underwritten by health insurers, and they may offer low rates to a fairly healthy family.

Before you switch from group to individual major medical, make sure you understand the difference between the old and new policies. There are some circumstances, as with some preexisting conditions or pregnancy, that a private plan will not be a good alternative.