Open Letter to Congressman Cuellar on Rescue Package

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Guaranteed yield means how much an insurer can not reduce interest rates in the course of the contract term, whereas banks have such a law on deposits. in the event of a favorable economic situation for the market, the case now, the insurance company will receive "windfall. "In this case, insurers may pay up to 85% of that income to its clients, in contrast with the banks, leaving this estate home.Risk - surchargeSavings and pension, life insurance is usually predusm atrivaet risky component, or, in other words, the situation, the presence of which the insured would not survive to term with which to begin repayment. For example, the pension insurance can foresee the timing or lifetime monthly pension payments in the book include a guaranteed period of payments. This means, as in death of an insured pension fairly paid until the end of the guaranteed period, payments to the recipient rather a pre-defined beneficiary.Represent a tragic but very real situation: a man 40 years has been insured for a pension scheme, which provided for deductions in the course of 20 years. after three ages of pension program, he was killed in an accident. This family of the deceased will receive a guaranteed sum insured plus investment income during this period. The presence of risk component of the useful features a pension insurance on bank deposits. In a similar situation described above the bank six months after the entry of relatives in inheritance rights to them to pay only the amount paid by the depositor funds, plus profit for his contribution over three years.The price for additional safeguards is lower in comparison with bank deposits and transactions for the stock market returns. and in the long term, higher reliability take precedence over profitability."World experience shows how a typical customer for life insurance - is the mediator of the middle class - says the boss SG Regional Alliance Zenon Olbris. - This is how the representatives of the segmenthotya meyut enough funds to cover the ongoing costs of food, lodging, make the necessary purchases. Nevertheless, the height of life can only be sustained presence provided a constant income, which is certainly very much lower post-employment activities. However, about this category is still free money that can be directed to long-term investment, carried out using m ehanizmov life insurance. "World experience shows how much the monthly cost of approximately 10% of the wages are" painless "and consistent can be directed to address the issue of establishing their own retirement (or reserve) fund.In the struggle for clientCompanies operating in the life insurance sector, to make way for a customer bid for the traditional sales channel - education agency networks. "Based on our experience with the machinations of trained financial advisers - the most efficient sales channel for emerging markets. It is therefore, I plan to first work in this direction, "- says Ms. Ruf-Fiedler.Alexander Rybakov said yes agent machinations of the most effective channel for selling life insurance products. "Sales through agents to be able to give the company to personalize the work with clients, transfer services to the citizens of a professional level directly in their places of residence. Also effective for the above-view, direct sales offices. to run according to the development of the life insurance market may increase employment and specialized brokers. Common to the West sales channel services Bancassurance (bank windows) has not yet been sufficiently disseminated, but the well-known sales channel for the above-view, is certainly promising, "- says CEO successor" ERGO Life ".Very proud choose the right insurance company, because the client trusts the company's own future for years to come. So there must be certainty as it did not happen. The potential policyholder should learn the history of the company, see different rankings, etc. Now insurers are isolated in separate life insurance company hence it is useful to clarify, for which insurance group life insurers is the company. It is obvious how much better a choice to make, focusing nhotya zvestnost and success of a related insurance company "unlife."Is it worth doing for themselves the differences between Russian companies and niyami "foreigners"? themselves representatives of foreign companies responding to this question, they say, how competitive position permanently will put in its place."Today in Russia there are a number of foreign insurance companies. separate solid player can master their niche. income of foreign insurers, certainly exacerbated the competition. Only she, in turn, contributes to the quality of services, customer service, new interesting products, "- said Alexander Rybakov from" ERGO Life ". from agrees Ms. Ruf-Fiedler: "The life insurance market is constantly company will compete, regardless of Russian or foreign origin. Competition forces companies to be more open and oriented to the needs of clients. Of healthy competition before winning the customer and insurance services. Consumers choose an insurer is not the origin of the company, but for the other criteria for which include the above reliability, elevation of service and professionalism. Reasons for success, for the above-view, have all ".Similar records:

In Russia, celebrate Family Day
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One of the first it started to make society "Cinema Park", stating the priority development that is in the regions. What results has brought such a strategy, told RBC daily Ekaterina Trofimova, told the boss "Cinema Park" SERGEY KITIN. - In 2004 "Cinema Park" stated its intention to age for two to build 12 theaters. and immediately they are only nine. Why keep up a plan? - Construction Risks in Russia now are quite large. For example, in Novosibirsk, I opened desyatizalnik 1 March 2008 age - for one and a half later age than expected. mercantile complex in which it is located, was built in a ravine. Pile field was stronger than expected. Had to hide an entire river reservoir, which was held in this place. Initially, these difficulties were not taken into account by designers and eventually led to the delay. yes almost gratuitously according to each object. We, for unfortunately, not completely build their own facilities. In some input or lease, or buy only part of the building. so in this situation are held hostage by circumstances and forced to adapt with a lag of builders. the main station I are going to close in September, putting three facilities - two in Ufa and one in Volgograd. But, given that entry into operation of cinemas continually delayed according to independent through us reasons, agreed with the shareholders of parallel stick and other objects, without waiting for completion of the first phase. Already this year, should begin two theaters - the other - and obchelsya in Nizhny Novgorod and the other - and obchelsya for "Gorbushka in Moscow. Thus, until the end of the age planning to expand the machinations of up to 14 sites (117 screens). All about us once the order of 20 objects are in different stages of stroitelstvhotya negotiations. in addition to the first 12 multiplex in a million cities I have built 12 more, bringing the total to 24 (approximately 190 screens), and 12 multiplexes I build in cities with populations over 500 thousand people. Thus, for now the list of "Cinema Park" includes construction of 36 multiplexes in Russia until 2012. At the same time I was already in preparation for going beyond Russia: decided to build five multiplexes in key cities of over one million people in Ukraine - a Kiev, Odessa, Dnepropetrovsk. - How a network of cinemas are located immediately on your property? - 50%. In the first stage, if a large number of developers were interested in creating a theater, but realized that the market rental rate is very small, they were going to compromise and allow us to build a lot of objects in the property. and now developers have to consciously build large objects, initially treating them as objects with a single owner. Yes we absolutely harder to educate real estate development direction, causality land is very expensive, to build edinovlastno is too expensive, and to be joining the shopping center with a professional developer, as a rule, negotiations for the sale are not kept, only the relative lease. So I do not absolve yourself of the problem and build more facilities in the property, but will look at whether the market will realize it. - It was originally planned for the first stage, to spend 107 million dollars, and they had to pay back just more than five years ... - At the present time the total value of investments amounted to about 126 million dollars for the objects of the first stage, most likely in five years I missed. but immediately there is a desire to increase the payback period, and according to those contracts that are signing today, I hope to reward investment in five to eight years. We are not conducting an analysis of each specific object, and evaluate the plan as a network product. For example, the total profit over the last two age has changed significantly due to commissioning of new facilities. in 2007 I earned for theatrical release $ 40 million, in 2008, will seek to end figure of 80 million dollars - There is still a company has a policy oriented to the priority development of the regions? - Yes. We are the fastest growing regions in the intrigues and see that the real justification: our regional multiplexes in Tyumen, Chelyabinsk, Novosibirsk, opened this year, very successful work, becoming a center of cultural life. For example, the above-Tyumen multiplex already received about 1.15 million viewers. Is very high, mainly if we consider that quite a resident of Tyumen - less than a million. - Same reason was vybranhotya simultaneously such a policy? - Moscow is very full, almost next to each station is a cinema. also in the Russian regions devastated the once way film distribution has not been recreated. But the height of prosperity grows, people are willing to be in a movie. Ignore this natural action is impossible. By the way, in certain cities in Russia is already happening difficulty of overproduction in the availability of this service. We have, for example, according to Omsk, much like the desire to enter are identical, ten proposals according to different developers building shopping mall with a cinema. does not believe in it, which ten multiplexes can survive in Omsk. bude they absolutely will be built will be destroyed at least half. So now I was very cautious for each selected object. and many more cities, and while I do not see any problems with the number of constructed objects and their effectiveness. - Opening the first multiplex, you stated that you want to acquire 30% of the market. Managed? - Obviously, I underestimated the activity of our competitors at a time when output from this program. We are even consistent with tender, which took place in the regions, did not feel any competition, the causality of the major network operators if the region did not want to move. but now each tender - a battle in which absolutely must increasingly make an effort to win. As of now, I take about 7% by the end of the age rynkhotya expect to reach 9%. programmhotya same general concept for the development allow us to speak about 20% last year 2012. yes for many it is quite determined by the policy of our competitors. - At any money developing a network? - At the first stage, I drew the trust bank IFC. It was the decision of our main shareholder, "Prof-Media, which had plenty of money, but wanted to attract a partner international bank, for the first stage, rather to monitor the correctness of the idea itself. IFC has provided the necessary leadership consultants who reviewed the above-biznevmeste plan, checked the legal documents for virtually every construction site was visited. Yes, they confirmed the bank, which is absolutely cinemas really meet modern requirements. Today intrigues developed at the expense of shareholders, it is follow-up programs have been adopted that is the shareholders, which provide funding. - Same whether about their plans consistent with the conclusion network for IPO? - One of the advantages "Cinema Park" - no bureaucratic complications. Adopted schemes allow companies to focus for its task is not drawn into the debate according to the reasonableness of a step. Shareholder for the first stage, took the risk entirely for myself, I have been actively developing and, if necessary, will be ready to live in any public place, and causality originally audiruemsya according to IFRS. We certify lure cinema according to ISO 9001-2001, which are identical is the guarantor of the quality of the management of these multiplexes and their operating activities. So, I think I even more than any other snares prepared for such a decision of the shareholders, if it once held. - What is the structure of earnings Russian cinemas? - The main income, of course, brings the theaters. 30% I get from our bars and the order of 2-3% gives the ad before showing the film in the lobby, etc. In the West, Cinema advertising to get up to 10% of revenue. and film distribution market in Russia in terms of advertising is considered opaque. Yes, I want to change the way this situation. - Also very consistent with what is currently the profitability of film business in Russia, what is the future of its development? - Profitability is higher than for the West caused by the market grows. EBITDA margin may reach 18-20%, this is a very good indicator. and yet according to the number of screens to 100 thousand spectators, I fall behind by European countries in a few times according to cities. This means that in the next five years, the market clearly enough to develop. - A couple of years ago, the Hollywood majors, including Warner Bros., Showed profit for the purchase of Russian cinema circuit. Negotiated with Cinema Park. Why not work out? - Meanwhile, they decide kudhotya DTI: to Russia or China. at the end went to China. I think this is proof that Russia professionally from this point of view develops. Indeed, the development of film distribution for majors means being biznevmeste units - cinemas. yea if the desire they felt bad that film distribution developed in Russia, of course, they want included syudhotya this business. almost on the other hand, they have always regarded the only options for buying, understand causation, which is to do here is a network from scratch is very difficult, it's easier to buy. to present to us is more important development strategy for the network of cinemas, and I do not consider the advice of the sale.

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