Sunday, February 23, 2014

uncovering Effective Programs Of Need For Speed World Hack

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Tuesday, February 18, 2014

Fitch: Dai-ichi Life Acquisition Won't Hurt Sales Force Profitability

Dai-ichi Life's customer base has been built up largely through its own sales force, which attracts conservative customers who are less sensitive to premium rates and prefer consulting with sales people. By acquiring Sompo Japan DIY, Dai-ichi Life will be able to tap proactive and price-sensitive customers who shop around for products. Non-traditional life insurers, including foreign companies such as Aflac, Inc. (IFS AA-/Stable) and subsidiaries of non-life insurance groups such as NKSJ Himawari Life Insurance Co., Limited, have demonstrated their strength in this market segment with their relatively simpler and cheaper products. Dai-ichi Life is planning to use Sompo Japan DIY as its low-cost operating entity that will provide cheaper and simpler products compared with the products that its core sales force promotes. Dai-ichi Life will start distributing new products via Sompo Japan DIY's agents from 2H15, with the latter expected to change its name by then. Fitch expects Dai-ichi Life's overall credit fundamentals to continue to improve for now. This is due to: improving investment spread; resilient life insurance underwriting backed by a steadily growing profitable third (health) sector; and continued reduction of interest rate risk as the company reduces the duration gap between assets and liabilities. Contacts: Teruki Morinaga Director +813 3288 2772 Fitch Ratings Japan Limited Kojimachi Crystal City East Wing 3F, 4-8 Kojimachi, Chiyoda-ku Tokyo 102-0083 Akane Nishizaki Associate Director +852 2263 9942 Media Relations: Wai-Lun Wan, Hong Kong, Tel: +852 2263 9935, Email: Additional information is available at ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: here . IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEBSITE 'WWW.FITCHRATINGS.COM'.
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Monday, February 17, 2014

real Estate 101 - The Lending Process

Funding is the final step in the process. This occurs after both parties (buyer & seller) have signed all the necessary paperwork, and the bank actually hands over the money so that the seller can be paid. Then you actually get the keys to your new home and the sellers finally begin smiling. In the good old days, funding typically happened at "closing", the loan officer would come with a check and everyone would sit around the table and eat cookies, tell funny stories, and sign papers. It is becoming more frequent that funding occurs only after the underwriter or a bank lawyer has reviewed the loan documents (and often takes one last look at your credit) and the money is wired to the title company who then disburses it. Sometimes this happens quickly but all too often it takes what seems a ridiculously long while and the smiles are fewer and farther between. In Waco, there are still a few lenders that do things the old fashioned way, it sure is a lot less stressful that way.

Now that you're up to speed on obtaining a mortgage, check back soon for the rest of the Real Estate 101 series:
2. Offers and Counteroffers
3. Under Contract and the Option Period
4. Closing