GLG News by Employee Benefits Experts

Richard BialekChief Executive Officer Bialek Group

TALF - Implications for Credit Card Issuers

March 12, 2009

Analysis of:Press Release: The Federal Reserve Board Announces the Creation of the Term Asset-Backed Securities Loan Facility (TALF) | www.federalreserve.gov

This program will be a benefit for the large credit card issuers: JP Morgan Chase, Citicorp, Bank of America, American Express, Discover and Capitol One, all of whom can position themselves as a high quality, AAA rated, source of new loans. TALF could prove to be especially helpful to American Express, Discover and Capital One, credit card issuers who lack the branch network and deposit base of the big money center banks. TALF could open up a funding source by reviving the credit card securitization market.

Ronald BartonPresidentThe Profit Consultant

We have to burst the Healthcare Bubble

February 2, 2009

Analysis of:Facts on Healthcare | www.nchc.org

We have the world's most expensive healthcare system costing $2.4 trillion per Year 4.3 times more than we spend on national defense, 20% of GDP. It is also one of the world's worst systems ranked 37th by the World Health Organization. Costs are escalating at 7%, at least twice the rate of inflation. Our Healthcare System is the most inefficient and wasteful among leading industrial countries. Other countries with some regulation, provide Universal Healthcare for about half of the cost of our system, which does not. We can support economic recovery through healthcare reform. About 46% of the US population is receiving government provided healthcare at a cost of $1 trillion. This includes politicians, prisoners, armed forces, federal and state employees and Medicaide and Medicare recipients. There is little central purchasing power leverage and billions of our tax dollars are being wasted along with billions of dollars of philanthropic, employer, employee and individuals monies.

Jeanette PlowmanIndependent ConsultantJeanette Plowman

While the RPO concept has taken a healthy shape in the Western countries, in India however, the RPO sector is currently at its infant stage.

August 7, 2008

Analysis of:HR outsourcing gaining steam | www.hindu.com

A recent study claimed that the global BPO industry will be worth $230 billion by 2012 and India stands to gain $50 billion of that global pie.  This boom may be in the wake of an U.S. economic downturn as employers who have historically shied away from offshoring may now become more receptive to the idea to cut costs. After the business process outsourcing and knowledge process outsourcing boom, the corporate sector in India is steadily gearing up for a new concept - RPO, which is recruitment process outsourcing. It aims at taking the burden out of the head-hunting. While the RPO concept has taken a healthy shape in the Western countries, in India however, there are only a few RPO firms currently catering to the needs of various domestic as well as multi-nationals in hiring employees for them.  The RPO sector in India is currently at its infant stage. 

John David CoffeyPresidentDavid Coffey Agency, Inc.

Floods And Crop Futures

July 14, 2008

Analysis of:P/C Insurers Still Above Water After 2008 Midwest Floods: S&P | www.insuranceassetmanager.com

Will The Mid-West Floods Of Early Summer Negatively Affect Crop Futures?

John David CoffeyPresidentDavid Coffey Agency, Inc.

The public no longer needs state run insurance programs as competition has returned

June 30, 2008

Analysis of:Growth of State-Run Property Insurance Plans Flattens | usinsurancenews.com

FAIR Plans are no longer the only carrier in business. 

John David CoffeyPresidentDavid Coffey Agency, Inc.

Both insureds and agents realize the necessity of Life Insurance, no matter how hard the times, or cost.

June 9, 2008

Analysis of:Only Universal Life Sales Show Growth in the First Quarter in 2008, LIMRA Reports | www.insurancenewsnet.com

Insureds know they must have Life Insurance, but they are scared to buy what can be an excruciatingly complicated protective instrument. An agent seasoned by years of application can help the insured select a Life Insurance policy that will suit their circumstances.

Richard BialekChief Executive Officer Bialek Group

MasterCard Clouds on the Horizon?

June 4, 2008

Analysis of:MasterCard "buy," target price raised | www.newratings.com

The near-term prospects for MasterCard are positive, despite a weak US economy. MasterCard is riding a trend of payment transactions moving from cash and check to card and electronic media. The challenge to MasterCard comes from potentially disruptive regulatory and technology forces that MasterCard must acknowledge and address.

John David CoffeyPresidentDavid Coffey Agency, Inc.

Rates are stabilizing, but availability and capacity remain soft.

June 2, 2008

Analysis of:Insurance Markets May Stabilize, MMC Reports | www.propertyandcasualtyinsurancenews.com

Underwriters are the gatekeepers of rates. In the current insurance environment, they bring fiscal discipline to the market as opposed to simply offering lower rates for the sake of more business. 

John David CoffeyPresidentDavid Coffey Agency, Inc.

Overbearing Regulation; "Do As We Say......"

May 19, 2008

Analysis of:Florida Senate Property Insurance Bill Pleases Regulators, Angers Insurers | www.insurancejournal.com

As Insurance Regulation In Florida Goes, So Will The Free Insurance Market- Hard 

John David CoffeyPresidentDavid Coffey Agency, Inc.

Agents Must Involve Their Insureds In The Policies Written For Them

May 13, 2008

Analysis of:Hurricane and Windstorm Deductibles | www.iii.org

 An Educated And Fiscally Involved Insured Is Good Business For Everyone

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