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Sunday, May 27, 2012
Wausau WI accountants ? Why compare ... - Business Show
Saturday, May 26, 2012
Money Market Account Rate Deal of the Day: Members Financial Federal Credit Union at 0.65% APY
Taking advantage of a money market account rate is an opportunity that can help you earn money without stalling your daily pace. Members Financial Federal Credit Union provides members with a 0.65% APY.
Money Market Account Rate Terms and Conditions
To receive earnings at the money market account rate noted above, members are required to maintain a minimum account balance of $10,000. If balances dip below the minimum amount, depositors will still enjoy returns at a lower rate. Money market accounts are federally insured under the National Credit Union Administration (NCUA) as long as the member holds under $250,000 with the institution.
About Members Financial Federal Credit Union
Members Financial Federal Credit Union operates as a non-profit financial institution, under the direction of the elected member board. The committee then meets on matters regarding the credit union such as existing interest rates, new products and services and dividends to be disbursed to its members.
As a member, you?re considered a partial owner of the credit union with equal say as to how it should be operated?successfully.
Other Terms and Conditions may apply. Additionally, rates may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.
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3 Sound Suggestions for Better Customer Service - Reasons 2 Rhyme
From your business interests to your potential customers, you can offer exceptional customer service to impress them. It is so easy and make progress in this area and there are many ways that you can accomplish this.
Customer service is something that provides not only basic services, but it answers questions and so much more. Your goal is to have a well-rounded department, and be willing to help your customers and visitors at all times. It is important that your level of service is very high so that positive impressions are made.
Speaking of this ? look at host gator coupons. It might blow your head!
When visiting a website, visitors look at the most attention-grabbing items. People will look at how much customer service is available, in accordance with the type of product or service. What people do is look for signs that a business is for real and professional. In that case, they also take into consideration the degree to which they feel they are being supported. As a result, something you should want to attain with your customer service is being available as often as possible. You can find a lot of strategies for doing this and some of them won?t even present you with problems. But avoid deceiving people into thinking something is there and it really is not. Regardless of the time of day (or night), I have seen sites with online chat that wasn?t ever available. In order to build a successful business you have to learn how to properly deal with any problem that might present itself. As a customer, it would be strange if you couldn?t come up with at least one bad dealing with a business from whom you had bought something or hired to do something for you. This is one of those places that you want to have go smoothly with every transaction. Successfully resolving disputes is important for many reasons. Your company?s reputation is the most important of those concerns. The ideal situation is to take care of the problem in a way that satisfies the customer. Obviously your business interests are also quite important. You need to have some guidelines for dispute resolution in place that you can follow every time somebody raises an issue with your products or services.
Accomplishing hostgator review can be be extremely challenging given that there is not really a lot info out there.
Your customer service department is also your first line of defense in contact with the general public. The information on their website (at least for most businesses) only has contact info, nothing else. So people see that and they either write or call in and ask their questions, etc. You can help protect your business and employees by staying on top of all the devious sorts of scams out there. If there is anything new going around, your customer service team should know about it. Getting a toehold into a business is exactly what the scammers are looking to do. Employees need to learn how to recognize potential intent to harm your company from these scam artists. There are certain methods for building a business that concentrates on lean operations and competence. However, you have to be very careful with customer service due to the nature of the mission. You shouldn?t ever bargain in this area, since there can be so much danger to your business. This department should be the last area that you look at when you are looking for places to trim some fat.
If you?d like to read more about hostgator reviews don?t forget to check message boards, wikipedia and various other wikis, google together with other resources.
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Friday, May 25, 2012
Vatican bank chief ousted in no-confidence vote
VATICAN CITY (AP) -- The president of the Vatican bank has effectively been ousted after receiving a unanimous vote of no-confidence from bank overseers for having leaked documents and failed to do his job at a critical time in the Holy See's efforts to show financial transparency, the Vatican and officials said.
Ettore Gotti Tedeschi has been a polarizing figure ever since he was named president of the bank, known as the Institute for Religious Works, or IOR, in 2009. He is under investigation for alleged money laundering by Italian magistrates, but the investigation isn't believed to have factored into the decision since the Vatican considers the probe to be motivated by outside political interests.
The Vatican said in a statement Thursday that the vote was taken because of Gotti Tedeschi's failure to fulfill the "primary functions of his office." He himself has told prosecutors that he barely paid attention to the bank's works, showing up only two days a week while tending to his primary position as head of Spain's Banco Santander's Italian unit in Milan.
In addition, Gotti Tedeschi was found to have leaked confidential documents to serve his personal and political interests, according to a person familiar with the Vatican's investigation. The person requested anonymity because he was not authorized to speak about the matter.
The Vatican is in the midst of a scandal over leaked documents and has begun a criminal investigation into the source of the leaks, as well as appointed a commission of cardinals to get to the bottom of it.
In the statement, the Vatican said the board had grown increasingly concerned about the governance of the bank and that the situation had deteriorated recently.
During a regularly scheduled board meeting Thursday, the five superintendents, who include the former No. 2 at Deutsche Bank, Ronaldo Hermann Schmitz, and Carl Anderson, head of the Knights of Columbus, a major U.S. Catholic fundraising organization, unanimously adopted a no-confidence motion and recommended that Gotti Tedeschi's mandate be terminated.
His fate isn't final. On Friday the cardinals who sit on the IOR's governing council are to meet to consider the board's decision. While it wasn't clear if they could ignore the no-confidence vote, the Vatican made clear the search was already on for a replacement.
"The council is now looking forward to search for a new and excellent president who will help the institute rebuild relationships between the institute and the financial community based on mutual respect based on internationally accepted banking standards," the IOR said.
The no-confidence vote comes at a critical time for the Holy See in its efforts to shed the IOR's image as a secretive tax haven battered by years of scandal.
The Holy See is heading into a July meeting of Moneyval, a Council of Europe committee that will determine whether it has complied with international norms to fight money laundering and terror financing. Transparency of the IOR's finances has been one of several criteria that the Moneyval evaluators have investigated.
It wasn't clear if the timing of Gotti Tedeschi's ouster was aimed at sending a message to the Moneyval investigators, but just last week the Holy See met with them to discuss the preliminary findings of their report.
Gotti Tedeschi has long painted himself as the symbol of Vatican financial transparency, but the vote Thursday indicated that his primary collaborators on the board had found him to be anything but. He was faulted for not keeping the board of superintendents apprised of the work of the bank, among other failings.
Recently, he raised eyebrows when he made a joke about Hitler, war and economics.
Gotti Tedeschi was a frequent contributor to the Vatican newspaper and went on a very public speaking tour extolling the benefits of a morality-based financial system and citing frequently from the pope's encyclical on the subject, "Charity in Truth."
Italian authorities placed Gotti Tedeschi and the IOR's top manager under investigation in September 2010 and seized ?23 ($30 million) from a Vatican bank account at the Rome branch of Credito Artigiano Spa, after the bank informed the Bank of Italy about possible violations of anti-money laundering norms.
Gotti Tedeschi and the Vatican have denied any wrongdoing, calling the investigation a misunderstanding. No charges have been filed, and the money was subsequently released after the Vatican passed a series of measures to combat money laundering and create a financial watchdog authority ? key requirements for the Moneyval process.
The Vatican bank was founded in 1942 by Pope Pius XII to manage assets destined for religious or charitable works. Located in a tower just inside the gates of Vatican City, it also manages the pension system for the Vatican's thousands of employees.
The bank is not open to the public. Depositors are usually limited to Vatican employees, religious orders and people who transfer money for the pope's charities.
The Vatican bank's finances have long been shrouded in secrecy. Most famously, it was implicated in a scandal over the collapse of the Banco Ambrosiano in the 1980s in one of Italy's largest fraud cases. Roberto Calvi, the head of Banco Ambrosiano, was found hanging from Blackfriars Bridge in London in 1982 in circumstances that remain mysterious.
Banco Ambrosiano collapsed following the disappearance of $1.3 billion in loans the bank had made to several dummy companies in Latin America. The Vatican had provided letters of credit for the loans.
While denying any wrongdoing, the Vatican bank agreed to pay $250 million to Ambrosiano's creditors.
___
Follow Nicole Winfield at www.twitter.com/nwinfield
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Morgan Stanley may refund some Facebook investors
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Analysis: HMO stocks may struggle over health claim costs
NEW YORK (Reuters) - Americans' low use of healthcare services has proved a boon to health insurers over the past two years, reducing medical claim costs and raising profits. The growing view on Wall Street is that those days are over.
A series of first-quarter earnings disappointments for health insurers in the past month has damped hopes for a repeat of the profit windfalls that led to huge stock gains in 2011.
After digesting the reports, many investors fear that medical claims costs are poised to rise. That stands to keep industry shares in check until the investors are sure of the direction of consumer trends.
The sector "could be dead money for some time," said Tim Nelson, a healthcare analyst with Nuveen Asset Management. "There's not going to be the big upside and the big series of beats ... I think investor sentiment will stay cautious until at least the second half of the year."
The Morgan Stanley Healthcare Payor index of insurers has fallen about 12 percent since bellwether UnitedHealth Group Inc kicked off the reporting season last month. That compares with a roughly 5 percent drop for the S&P 500 index.
Last year's lift resulted from the companies' enrolled members using significantly fewer services than the insurers had priced into their plans for employers. Some of that -- such as fewer doctor visits or non-emergency procedures like hip replacements -- stemmed from high unemployment rates, while many Americans who had jobs were unable to cover rising out-of-pocket costs for copayments and deductibles.
But as hiring improves, even slightly, and the country's economic troubles seem more tractable, companies such as Aetna Inc, UnitedHealth and Cigna Corp are telling analysts they are assuming use of healthcare services will rise this year.
"At the minimum, the stocks themselves are in a holding pattern until the second-quarter earnings season in July," said Les Funtleyder, a portfolio manager with Miller Tabak. "Investors are going to be holding their breath to see whether or not the utilization rates we saw coming off of (the first quarter) were just individual data points."
Goldman Sachs analyst Matthew Borsch had downgraded the sector to "neutral" from "attractive" in February based in part pressure on profit margins from price competition.
More recently, Borsch pointed to a "tougher earnings environment" for health insurers, saying cost trends are "no longer a source of positive surprise for most companies."
CONTRARY VIEW
One major uncertainty looms over the sector: the Supreme Court's ruling on the U.S. healthcare overhaul law, expected in late June. Some anticipate a short-term health insurer rally should the court strike down the entire law, which could spare the industry the costs and risks of extending healthcare coverage to millions more Americans.
And some analysts say evidence of more frequent trips to the doctor or hospital is lacking. Even if a slight increase in healthcare use is in the works, they argue, insurers have accounted for it with higher-priced plans.
"A lot of the hospitals are talking about how certain procedures are growing ... but at the same time they are being offset by declines in other areas, so as a whole I don't think it's increasing," said Leerink Swann analyst Jason Gurda. He said near-term business prospects for the sector are still positive.
Richard Evans, a founding partner of boutique investment research firm SSR, sees a silver lining if employment improves. Health insurers may see enrollment increases as a result, with new members who tend to be healthier and therefore need fewer services.
"We actually think that the improving economy, which is signaled by improving utilization, is actually bullish for the commercial HMOs," Evans said. "The market just has got (the stocks) 180 degrees wrong on how to trade them on utilization."
Medical costs increased about 7 percent a year for most of the decade, but growth slowed to 3.9 percent in 2010 and 4.5 percent last year, according to Goldman Sachs, which looked at data for employer-based insurance plans.
A rebounding U.S. economy could drive up demand for healthcare services, as Americans who gain more job security also feel increasingly at ease using their health benefits.
But another theory is that Americans, who now bear a greater share of costs for healthcare, are making a permanent shift to using fewer healthcare services.
The portion of Americans aged 45 to 64 who delayed or skipped medical care due to cost rose from about 9 percent in 2000 to nearly 15 percent in 2010, according to the Centers for Disease Control and Prevention. The rate was similar for 18 to 44-year olds.
CAUTIOUS CALCULATION
Health insurers may also be cautious about making definitive statements about cost trends at this point in the year, because many insurance claims tend to lag quarterly reporting dates.
"Given the billing cycle and the nature of this business, they can't sit there and say through 90 days we know exactly what utilization is doing," said David Heupel, a healthcare analyst with Thrivent Investment Management.
Health insurers set aside a certain amount of reserves each quarter to pay for claims from prior periods, which can come in 90 days or more after services are provided. If costs of those claims end up being lower, companies can record the reserves as profit.
For example, Aetna, the No. 3 U.S. health insurer, initially forecast an 8 percent increase in the cost of claims for 2011 but ended the year with a 5.5 percent increase. The discrepancy between projected and actual costs boosted profits.
For a graphic on Aetna's costs, profits, see: http://link.reuters.com/buv38s
Aetna said last month that healthcare trends stabilized and growth rates were not slowing any more. The company said its claims from the fourth-quarter and earlier basically matched what it had expected. Wall Street had expected Aetna to realize a gain and report higher profits for the first quarter of 2012.
For 2012, Aetna forecast a 6.5 percent increase in -- about one percentage point above last year's total. About 70 percent of Aetna's cost forecast generally is related to prices from providers and manufacturers -- or unit cost -- with the remaining from utilization. Aetna expects unit cost increases to stay basically stable -- up 4.5 percent to 5 percent this year after rising about 5 percent in 2011.
Utilization, however, is expected to rise 1.5 percent to 2 percent this year, from about 0.5 percent last year.
The company expects more costs from physician office visits as well as outpatient services, such as emergency room visits and certain surgeries.
"It's kind of barely trembling the needle, is my interpretation of what these companies are describing," Jefferies & Co analyst David Windley said of the use of health services. "The likelihood that you get significant earnings bonuses from prior period development is much lower."
(Reporting By Lewis Krauskopf; Editing by Michele Gershberg)
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