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May 13, 2008
Agents Must Involve Their Insureds In The Policies Written For Them
Analysis of: Hurricane and Windstorm Deductibles | www.iii.org
Author: GLG Expert Contributor
 An Educated And Fiscally Involved Insured Is Good Business For Everyone
Richard BialekMay 12, 2008
Credit Card Deal on Target for JP Morgan and Target
Analysis of: Target in credit card deal with JPMorgan | www.ft.com
Author: Richard Bialek, Chief Executive Officer , Bialek Group
The credit card deal announced between Target and JP Morgan makes sense for both parties.  It allows Target to address shareholder concerns regarding its card business and mitigate potential growing credit losses. It enables JP Morgan to further develop its private label retail card strategy by...
May 8, 2008
Ranking Doctors and Hospitals
Analysis of: Physician report card validity | physiciansnews.com
Author: GLG Expert Contributor
Ranking doctors and hospitals will certainly move the most profitable patients able to afford commercial health insurance AND travel.  Medical Providers who help set their (local) standards to affect real outcomes reporting regular consumers can understand will increase their market share. ...
April 29, 2008
What the fall in Wellpoint's Profitability means to the industry
Analysis of: WellPoint Net Slides 25% | online.wsj.com
Author: GLG Expert Contributor
This article clearly shows to me that insurers will price business to sell when it makes no sense which results in them telling Wall Street they underpriced the business. We see them so crazy competitive on cases that nobody else even wants just to bring their total membership up to please Wall Street...
Frederic GoldsteinApril 29, 2008
Genetic Testing Will Move to Mainstream Acceptance
Analysis of: Experts see boost to genetic testing from US bill | www.reuters.com
Author: Frederic Goldstein, President and Chief Operating Officer, U.S. Preventive Medicine, Inc.
The passage of this bill by the Senate and the likely passage by the house are both good for consumers as well as the companies that conduct genetic testing.
April 28, 2008
Credit Scoring Should Not Be Used In Determining The Price For Insurance Except For Bonding.
Analysis of: Credit Scoring | www.iii.org
Author: GLG Expert Contributor
Credit scoring further injures those applicants who have had very difficult changes in their lives- mostly by no fault of their own.
April 22, 2008
Cat Modeling is Here to Stay
Analysis of: Insurers Overly Focused On Cat Models, Says Expert | www.propertyandcasualtyinsurancenews.com
Author: Joseph Delaney, Managing Partner, Hilb Rogal and Hobbs of Metropolitan Washington, Inc.
Primary insurers and reinsurers will demand that catastrophic modeling be used in order to justify their underwriting decisions of this type of insurance.  These newer models in conjunction with in-house capacity aggregation tools (Insurers now know where and how much of their capacity...
April 21, 2008
Florida's Soft Market May End Due To Legislative, Not Natural Distasters.
Analysis of: Senate passes homeowner's insurance bill tougher on companies | www.sun-sentinel.com
Author: GLG Expert Contributor
Let The Industry Stabilize And Grow By It's Own Dynamics Instead Of Another House Bill. 
Richard BalandApril 21, 2008
What can Hospitals do about their Spending and Borrowing in 2008?
Analysis of: University Hospitals in Cleveland makes aggressive refinancing move | blog.cleveland.com
Author: Richard Baland, Partner, B2B CFO
Increasing interest rates and debt service, a Decrease in available cash, a Migration to more fixed rate borrowing and appeals to state governments for assistance, a delay in physical plant additions/upgrades
Richard BialekApril 14, 2008
Discover Goes Global With Diners Club Acquisition – A Positive Step
Analysis of: Diners Club assets sold to US card issuer | www.businesstravelworld.com
Author: Richard Bialek, Chief Executive Officer , Bialek Group
The Discover Card acquisition of Diners Club International is a positive step, addressing one of Discover's competitive weaknesses, the lack of a strong global merchant acceptance network. But it is only one component of the comprehensive solution needed to address Discover’s competitive weakness versus...

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