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Momentum Books
Trading Momentum with Moving Averages
Businesses are Overpaying by 20% on Insurance Premiums!
Paying for insurance premiums, which are consistently rising, are becoming a real problem for both large and small organizations to deal with in their budgets. The economic downturn of the past year or so in particular has brought this situation into sharp relief. Yet often overlooked is the fact that according to recent findings, as much as 70% of businesses are overinsuring their fixed assets!
The problem arises from a systemic lack of accurate and up to date information in the asset register, the database which keeps all the information on tangible assets. This inevitably leads to businesses insuring equipment, hardware and machinery they no longer own. Another scenario is where the value of insured assets has depreciated to the extent where the insurance premiums could be lowered simply by calculating this asset depreciation.
This issue is compounded at the time of the insurance claim itself, when a lack of detailed information causes insurance companies to challenge or underpay on claims.Here I'm talking about things like accurate descriptions, proof of where the asset is located, identifying serial numbers and so on.Consider a home insurance claim in which you were unable to provide proof of ownership of the items you were claiming to have lost - the insurance company wouldn't give you the time of day.
Often when equipment is replaced or becomes obsolete the finance department will see it as being a resolved situation, since the value has depreciated to nothing, so it doesn't affect the financial figures.What this means is that updating the asset database is not high on the to do list for many. The cost is merely put off, however, until such time as yo do need to make an insurance claim, at which point the lack of an up to date asset inventory will really cause you problems with your claim.
It probably wouldn't come as much of a surprise to a lot of businesses to hear they dont have the best grasp of the state of their fixed assets. But the majority would be unaware of the sheer extent to which this is the case. Even less known is the extent of the savings that could be made from proper asset managment on insurance costs, and the gains in improving the success and outcomes of claims. According to an expert in fixed asset management solutions, the amount of overpayment in insurance due to poor asset management stands at a staggering 20%. Surely that justifies some serious time and investment on making sure you have a decent fixed asset tracking system in place.
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Frequently Asked Questions...
Solution manual to Fundamentals of Momentum, heat and mass transfer 5th edition?
Im a broke college student and I'm in need of an ebook file version of Fundamentals of momentum, heat and mass transfer 5th edition by Welty, Wicks, Wilson and Rorrer. I've tried ebookee and was only able to get Fundamentals of Heat and Mass transfer which is the wrong book.
Answer:
If you can not find an official electronic copy of the book, you best bet would be to join, or form, a study group. With at least one person that does have a copy of the solution manual.
You also may want to try a shout out on Craigslist or Freecycle to see if any of last semester students are willing to let go of their copy.
