Join Canadian 5Star Directors OLU & ROSLYN OGUNNIYI for this informal but highly informative presentation.
You will gain clear insight and understanding about a dependable way to develop a new, substantial stream of income while working from home.
Be sure to invite your friends.
Here is the link to register:
https://www2.gotomeeting.com/register/259749674
Numis Business Overview Presentation Thursday 4/26 9:30pm edt / 6:30pm pdt
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Saving for retirement isn’t enough. Protecting your nest egg is essential to secure your financial future over the long-term. Financial planners advise retirees and pre-retirees to look closely at their insurance coverage — to make sure there are no gaps — to protect assets they’ve spent a lifetime building. Yet many baby boomers, particularly the most affluent, are likely to be under-insured where it counts the most. According to a recent survey by ACE Private Risk Services, a division of the global insurer ACE Group, nearly all of the insurance agents and brokers surveyed said wealthy consumers were likely to be under-insured in at least one form of liability coverage, such as “umbrella liability coverage,” which guards against the threat of multimillion dollar lawsuits. About 86 percent of agents reported affluent clients had inadequate coverage to rebuild homes, which often represent a significant part of a retirees’ net worth. ——————————————————————————————— Quick thought: The advice and concepts make perfect sense and we should all take time to analyze our current insurance policies and whether we need more or less. Lesson learned: I refinanced my lease to a buy. The dealership informed that Geico would most likely lower my rate if requested. Sounds great right? Wrong. I was to save a whopping thirty dollars per term, two terms to a year. BUT, Geico would cut my coverage my half! So the math: $30 dollars x 2 terms= $60. Divide by 12 months and I save a princely sum of $5 dollars a month. Coverage is cut 50%, savings are equivalent to one happy meal a month. RIDICULOUS!!!!! Another way to combat this issue would simply be to create a second income stream that was residual and direct. Would a side project suit you? Would two to five thousand dollars a month change your life? Would it buy you breathing room? I’d wager it would. Lets talk or click the bitly link. http://bit.ly/zDqDaE @changeinadvance changeinadvance@gmail.com or simply comment on this post
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- The shareholder rejection of Citigroup’s executive compensation package leaves the company with few options—none of them good. It’s almost certain, in fact, that the company will be sued by shareholders, in this writer’s analysis. Part of the problem here is that Pandit has already been paid $15 million (plus retention awards potentially worth twice that much) under the compensation scheme rejected by shareholders. Citi [ C 35.08 +0.00 (+0.00%) ] shareholders, you see, were asked to approve last year’s pay package—so this is a retrospective vote. If Pandit doesn’t agree to give up pay he’s already received—and the odds of that happening are exceedingly long—the plaintiff’s attorneys will be filing lawsuits in short order. As DealBook’s Steven Davidoff explains: Citigroup may also face litigation. In a number of other cases, shareholder plaintiffs’ lawyers have sued after votes rebuffed pay packages, claiming that the board of directors breached its fiduciary duties or wasted corporate money by ignoring shareholders and paying excessive compensation. Citigroup is such a big target, the chances of it escaping such a suit are very low unless Mr. Pandit gives back all of this compensation. But I suspect that Mr. Pandit will not be in such a generous spirit. The potential success of such a suit is uncertain. So far, we have two major decisions addressing what the law is in these circumstances. One case involving Cincinnati Bell was allowed to go forward by a Federal District Court judge in Ohio. It remains to be seen if the plaintiffs will be successful, but merely by moving forward, the plaintiffs’ lawyers are likely to push Cincinnati Bell to a settlement to avoid costly litigation and possibly embarrassing disclosures. Another lawsuit involving Beazer Homes USA was dismissed by a Georgia state court in deference to the business judgment of the directors and the complex procedural grounds for such cases. The board at Citi could have avoided this altogether. It had advanced warning that its compensation package could be in trouble. Institutional Shareholder Services, the influential proxy advisor, recommended a “no” vote on Citigroup’s executive compensation package. Citi could have sought to negotiate a compensation package that I.S.S. would support—but chose to go ahead with the one it had in place. It’s not too much of a mystery why shareholders rejected the package. Citi’s stock is down 20 percent from a year ago, while the S&P is up more than 6 percent. Rival megabank JPMorgan Chase [ JPM 43.29 -0.61 (-1.39%) ] is down just 1.30 percent from a year ago—and its shareholders actually get a sizable dividend. Pandit is now saying it’s possible Citi won’t even try to pass the Federal Reserve’s stress tests—which it needs to do to raise its dividend—until next year. You can see why shareholders might not want to pay $15 million for this kind of performance. Citigroup is largely owned by institutional investors, such as pension funds and mutual funds. Collectively, institutional investors own 62 percent of the firm. The fact that Citi failed to get support for Pandit’s pay package means that at least some of these sophisticated institutions have turned against the board—at least on compensation. This wasn’t some sort of populist uprising of the “99 percent” voting against the “1 percent.” It was money turning against money. The “say on pay” vote—which was required under the Dodd-Frank reforms—is officially only an advisory plebiscite. This is the first time a major financial institution has seen shareholders reject a pay proposal. In many ways, it will be a test case for how Wall Street will respond to shareholders second-guessing how its executives are paid. Follow John on Twitter. (Market and financial news, adventures in New York City, plus whatever is on his mind.) You can email him at john.carney@nbcuni.com.
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