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How do I invest millions of dollars of insurance premiums (OPM) into the stock market?
I used to manage (sold company) the seperate accounts for a small insurance company.  They had about 40mm in assets.  They were extremely conservative.  They didn't buy junk and seldom (-5%) bought equities.  The reason was that this guy had been through several bull an bear markets including credit collapse and crash.  Multiple times he lost out on whole positions (Lehman Brothers Corporate Bonds for example), but this is inevitable.  They came to me after the market had done most of it's shedding in 2010.  I say this because you have to be careful with other people's money.  Regardless of your intentions there will be a day where you look bad for buying certain things even though your intentions were good.  So, with that here are my guidelines and some advice.  Don't invest over 20% of assets into equities.  This is quantified in fact and back-tested return for risk driven metrics using modern portfolio theory and days and days of Monte Carlo simulations looking at the worst that can happen (specific to an insurance company and those premiums).  Trust me on this one.  Stay away from hybrid equity/bond type of investment vehicles.  (Like structured notes).  They are not why you think they are and should be classified as a single bank holding (the underwriter) and as a bond if that writer.  For example a JP Morgan S&P 500 structured note would be considered a JP Morgan Bond at wherever it's credit rating.  If your going to buy equities there should be no reason to own small cap, alternatives or any cash equitizatuon type strategies or products.  So stick to Large cap and limited mid.  On real estate only buy companies, not products and stay away from pitched deals like Hines REIT, etc.  These locked up and provided no return of principle in the credit crunch.  This can happen again and probably will some day.  If you get a flush of claims this may constrain your cash flow, liquidity, etc.  Only buy companies that are Large or Mid sized in the REIT space.  The only reason to be in this space anyway is for the income.  Max allocation to REITs is about 10% any given day.  You need to split the $$ into buckets that represent each products premiums.  Then you need to know your bogey or what yield is required for that product.  For example if you've sold DI, Life and Fixed Annuities you'll want to split each out and invest based on each with assumptions like mortality, future income streams, required yield to pay x % of claims average, etc., etc.  I'll assume you know your assumptions (actuarial) for claims, etc.  If not you should probably hire an actuary for each line.  If not, you'll end up killing the company.  Also, state regulators will want to know what your invested in, how you make those decisions, etc.  They have regulations on this and "What you should invest in" is actually documented by your state insurance regulator or via the NAIC with published guidelines.  So, now that that is out of the way I would invest the following way.  12% Large Cap dividend paying equities5% Large Cap Real Estate dividend paying equities  3% Mid Cap Dividend Paying Equities The rest (80%) in bonds invested specific to your lines.  You'll always want to consider the following: No bonds below investment grade (BBB)All bonds YTW (yield to worst) +\- 1.5% of FMC (Fair Market Curve).  This means when buying bonds they need to be fairly priced so your going to need a measure for this.  The FMC provides you the specific tool to make sure your paying a fair price for your bonds.  Without it your getting taken advantage of by the broker, dealer, etc.  So if a AA corporate 5 yr utility bond is yielding 2%, then the FMC should show extremely close to 2%, within about 40-50 basis points (FMC is a printout via bloomberg terminal showing all bonds on the curve with a table showing the same, like an average price list for all bonds based on category, rating and maturity, this exists no where else that I am aware of in real time, etc.)Bonds should be diversified across and within fixed income asset classes:Government (not just Treasuries, but TVA and things like this)CorporateHigher Yield (without junk)Taxable Muni ( like build America bonds, also look at the county and research if their trying to get bankruptcy protection, if in California). Agency (GNMA/etc)Etc.Factors:Credit ratingName MaturityYTMYTWYTC (yield if called)# of bonds (always buy 25 bonds at a minimum per order)PriceSpreadMaterial credit eventsI just realized I could write a book on this topic, and could go one for 100 pages. I'll leave it here but I think you get the picture.  A tool I think you might consider would be ETFs.  I always thought I probably could have condensed this company/clients holding down to about 10 position from 300 using ETFs, but they wouldn't ever do it because it goes back to not owning any vehicles.  On Wall Street vehicles are products built for one purpose.  To make your money.  So we stayed away from them.  But, I'm not as risk adverse personally and could do the same with them.  Check out black rocks site under the IShares ETF site and look for their fixed income tool.  It is a montage that basically looks like a market carpet for bonds, but you could in theory once you know your bogeys use this tool to get the perfect risk/reward trade off with maturity, duration and yield for a bond mix using ETFs exclusively.  You just put in your parameters and risk and it spits out a mathematically correct and backtested algo solution to the weighting of which is perfect for this in my opinion.  I could do more if consulting, but hopefully you get what it takes, how to invest this $$, etc.  But, I do think you need an actuary to run some real #s for you for liability reasons alone, not to mention a stated, factual and perfected measure of what it's going to take to pay claims based on your assets and premium flow.  Also, one last thing.  Your going to need to write an IPS or Investment Policy Statement that spells all this out and sigh it and have anyone else sigh it as well who has anything to do with the decisions in this portfolio.  Good luck.
In what cases do you have to fill out an insurance claim form?
Ah well let's see. An insurance claim form is used to make a claim against your insurance for financial, repair or replacement of something depending on your insurance. Not everything will qualify so you actually have to read the small print.
How much time and money does it take for a new startup (50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?
I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a significant health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.
How does one get invited to the Quora Partner Program? What criteria do they use, or is it completely random?
I live in Germany. I got an invite to the Quora partner program the day I landed in USA for a business trip. So from what I understand, irrespective of the number of views on your answers, there is some additional eligibility criteria for you to even get an email invite.If you read the terms of service, point 1 states:Eligibility. You must be located in the United States to participate in this Program. If you are a Quora employee, you are eligible to participate and earn up to a maximum of $200 USD a month. You also agree to be bound by the Platform Terms (https://www.quora.com/about/tos) as a condition of participation.Again, if you check the FAQ section:How can other people I know .participate?The program is invite-only at this time, but we intend to open it up to more people as time goes on.So my guess is that Quora is currently targeting people based out of USA, who are active on Quora, may or may not be answering questions frequently ( I have not answered questions frequently in the past year or so) and have a certain number of consistent answer views.Edit 1: Thanks to @Anita Scotch, I got to know that the Quora partner program is now available for other countries too. Copying Anuta’s comment here:If you reside in one of the Countries, The Quora Partner Program is active in, you are eligible to participate in the program.” ( I read more will be added, at some point, but here are the countries, currently eligible at this writing,) U.S., Japan, Germany, Spain, France, United Kingdom, Italy and Australia.11/14/2018Edit 2 : Here is the latest list of countries with 3 new additions eligible for the Quora Partner program:U.S., Japan, Germany, Spain, France, United Kingdom, Italy, Canada, Australia, Indonesia, India and Brazil.Thanks to Monoswita Rez for informing me about this update.
How can I get more people to fill out my survey?
Make it compellingQuickly and clearly make these points:Who you are and why you are doing thisHow long it takesWhats in it for me -- why should someone help you by completing the surveyExample: "Please spend 3 minutes helping me make it easier to learn Mathematics. Answer 8 short questions for my eternal gratitude and (optional) credit on my research findings. Thank you SO MUCH for helping."Make it convenientKeep it shortShow up at the right place and time -- when people have the time and inclination to help. For example, when students are planning their schedules. Reward participationOffer gift cards, eBooks, study tips, or some other incentive for helping.Test and refineTest out different offers and even different question wording and ordering to learn which has the best response rate, then send more invitations to the offer with the highest response rate.Reward referralsIf offering a reward, increase it for referrals. Include a custom invite link that tracks referrals.
Can UK drivers drive in Republic of Ireland without having to pay for any extra insurance/fill out any paperwork?
Can UK drivers drive in Republic of Ireland without having to pay for any extra insurance/fill out any paperwork?If you are a UK driver bringing your UK car here for a visit, chances are your UK insurance already covers you for everything you need (but check!) Your EU license is acceptable all over the EU (for now) which includes Ireland.It might be worth getting breakdown insurance, especially if you are coming here by boat. It’s less of a big deal if you already live in the North.If you are moving here to live, check with the Irish Revenue first about importing your car. If you don’t do it right you can be hit for a big chunk of tax.
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