Steve Wevodau Insurance News
Multiplied Media announces availability of Poynt local search application for the BlackBerry Storm - Posted by Steven Wevodau
“We have received a tremendous number of requests from BlackBerry Storm owners to provide support for Poynt on their device,” said Andrew Osis, CEO, Multiplied Media. “We’re extremely proud of the product that we’re releasing and believe it has been worth the wait. From the initial response we’ve received, it appears our users agree.”
Poynt is a convenient and timesaving service that connects consumers to local businesses and theaters at the moment they want to buy or acquire products or services. By entering search terms, the consumer is able to find businesses and movies near their location, get phone and address information as well as enhanced additional features such as accessing movie reviews and trailers, and purchasing movie tickets.
Poynt for the BlackBerry Storm smartphone includes such rich features as:
- Cellsite locates - Cellsite locates allow Poynt to quickly access a
user's general location while awaiting a GPS lock.
- GPS - the GPS functionality has been optimized to provide faster
accurate locates. Poynt for the BlackBerry Storm smartphone also
provides GPS access to users on the Verizon network.
- Enhanced User Interface - Poynt's UI was developed specifically for
the BlackBerry Storm to provide users with a true touch-screen
experience.
- Mapping Integration - Poynt is fully integrated with both
BlackBerry® Maps and Google Maps, with turn-by-turn directions
provided through Google Maps.
- Address Book Integration - Users can add frequently accessed listings
to their BlackBerry® Address Book, providing convenience for future
lookups.
- Share Search Results - Integration with BlackBerry® Email allows
users to easily share listings with friends and colleagues.
- Movie Module - Users can plan their night at the movies by seeing
what is playing near them, watching trailers, viewing showtimes,
reading reviews, cast and synopsis, and purchasing tickets.
- Theater Details - Users can get information on seating layouts,
wheelchair accessibility and number of screens.
- Add to Calendar Option - Users have the ability to add movie search
results to their BlackBerry® Calendar by date and showtime, as well
as invite friends to join them. Ticket purchase links are also
included.
Poynt’s application is also available for other BlackBerry smartphone models and takes advantage of their robust capabilities including locates by GPS* and IP detection, click-to-call, click-to-map and click-to-view-website.
Poynt is a free program** and is available to BlackBerry smartphone owners in Canada and the United States. To download Poynt, visit http://m.mypoynt.com from your BlackBerry® Browser.
* Requires a GPS-enabled BlackBerry smartphone.
** Wireless charges may apply. Please check with your wireless service
provider.
About Multiplied Media Corporation
----------------------------------
Multiplied Media (www.multiplied.com) has developed the award-winning application Poynt (www.mypoynt.com), the multimedia local search service available over Microsoft’s Windows Live Messenger, AOL’s AIM instant messaging network and BlackBerry smartphones. Through agreements with Yellow Pages Group in Canada, Idearc Media (SuperPages.com) in the United States and t-info and Infobel in Europe, Poynt simplifies finding and connecting with businesses, retailers and events wherever and whenever it is most convenient for the consumer. Headquartered in Calgary, AB, Canada, Multiplied Media trades on the TSX Venture Exchange under the symbol MMC.
Neither TSX Venture Exchange nor its Regulation Services Provider (as
that term is defined in the policies of the TSX Venture Exchange) accepts
responsibility for the adequacy or accuracy of this release.
The BlackBerry and RIM families of related marks, images and symbols are the exclusive properties and trademarks of Research In Motion Limited.
Source: Multiplied Media Corporation
Insurers continue to slash jobs during lean times - posted by Steven Wevodau
January 25, 2009
Overall, American businesses cut 1.22 million jobs last year.
“In insurance, we’re seeing more layoffs in areas like underwriting because the business levels are down,” said John Challenger, its chief executive.
“Some insurers have losses, and that’s putting intense pressure on their balance sheets,” he said. “If revenues are reduced, they try to cut down the work force so it’s in proportion to their business levels.”
Although there have been layoffs in the health and property/casualty sectors, life insurance companies have been the hardest hit.
The cutbacks continue this year. Companies making cuts include ING Groep NV of Amsterdam, Netherlands, which eliminated 750 positions across the board about two weeks ago and Genworth Financial Inc. of Richmond, Va., which slashed about 1,000 employees — roughly 14% of its global work force.
THINNING THEIR RANKS
Other insurers that are thinning their ranks include Cigna Corp. in Philadelphia, which let go 1,100 people at the start of the year, and The Hartford (Conn.) Financial Services Group Inc., which dismissed 500 employees in November.Analysts said that the number of eliminated posts is a sign of a battered industry that is trying to pick itself up in lean times. Insurers’ fourth-quarter and full-year results will be out soon and will reflect the damage carriers incurred in the fall.
“They’re looking for ways to align their cost structure with the realities of how much money they’ll make over the next year to two years,” said Joel Levine, senior vice president of the life insurance group at Moody’s Investors Service in New York.
“I don’t think it means anything specific to the insurers,” he added. “But in the face of declining earnings, investment losses will go up, and from a capital-raising/financial-flexibility standpoint, it’s hard to raise money.”
Rather than merely keep an eye on which companies are making job cuts, analysts recommended that observers note which departments are facing the eliminations.
Companies that are tightening their belts are reducing the amount they spend on information technology and back-office functions, making the IT department a “natural area to look for layoffs,” Mr. Levine said.
On the other hand, the elimination of salespeople would be a dramatic move, he noted. However, cuts of lackluster salespeople and distribution staff are likely, Mr. Challenger said.
He added that while carriers are suffering the way many financial firms are, the pain in the insurance sector is not nearly as bad as in the banking sector, which has been facing a rocky period of mergers and job cuts.
ING is among the carriers that cut positions across all lines of business, but spokesman Dana Ripley noted that the company has fought to minimize the impact on jobs that require interaction with customers and that are related to distribution.
“For now, we hope that these reductions are sufficient, but you know as well as anyone that if the economy doesn’t stabilize, we’ll have to revisit the subject,” Mr. Ripley said.
Still, some expect layoff levels to improve as the year goes on, particularly if insurers are able to use the $350 billion of federal funds in the second distribution of the Troubled Asset Relief Program to help bolster their balance sheets.
“I’m more optimistic that once we hit the summer, we’ll start to see improvements, fewer layoffs and more stabilization,” Mr. Challenger noted. “I think the TARP will help the situation for insurance companies as the books have big losses that the carriers can’t recognize.”
E-mail Darla Mercado at dmercado@investmentnews.com.
Is State Street’s Demise a Self-Fulfilling Prophecy?
Posted by Steven Wevodau
State Street’s (STT) losses accompanied by their initial statements reminds me very much of MBI and ABK when they first began to crack followed by their impending crash. Two statements from STT’s announcement that are striking are as follows:
- Comment about capital levels: “State Street evaluates the market from time to time. Following recent discussions with investors, State Street has determined not to raise equity capital in this turbulent market.”
- Statement that losses have improved: “Since year end the unrealized after-tax losses in the investment portfolio have improved $400 million to $5.9 billion as of Friday, January 16, 2009.”
The first statement seems to be management saying that they are aware of the problem and have conducted due diligence ($3.6 billion in additional mark-to-market losses didn’t occur out of nowhere), and only then decided that they are amply capitalized.
The second statement is STT’s way of saying, “it isn’t all that bad”. For the record, BK used language similar language when it described securities write-downs in its 4th quarter report:
We believe that the actual incurred loss will ultimately be materially lower based on current assumptions.
Similar to STT, we have two quotes from MBIA’s quarter report (October 25, 2007) when the stock was at $47.
The decline was due to a pre-tax net loss of $352.4 million, or $1.80 per share, that the Company recorded in the third quarter on financial instruments at fair value (”marked-to-market”) and foreign exchange. The loss was a consequence of wider spreads affecting the valuation of the Company’s structured credit derivatives portfolio. Compared with the previous quarter, spreads widened significantly on Commercial Mortgage-Backed Securities (CMBS) collateral and on other asset-backed collateral in the Company’s structured credit derivatives portfolio. The Company believes that the “mark-to-market” loss does not reflect material credit impairment.
Also, a statement from Gary Dunton, MBIA Chairman and Chief Executive Officer,
We remain comfortable that our insured credit derivatives portfolio will not result in material credit losses. More important, wider spreads contributed to a substantially better pricing environment for our insurance and asset/liability management products.
Here too, we have MBI stating that losses are only mark to market, and over the long term, the increased volatility will only strengthen their business. The obvious end was that credit spreads continued to widen, mark to market losses, although they aren’t real yet, DO MATTER, and MBI was ill prepared to handle the situation.
The above situation of mark to market losses, write downs, and the need to increase capital has obviously been common among traditional banks, but I think the comparison of STT to the mortgage insurers is more applicable.
During 2007, ABK and MBI were recording record revenues and their “annuity” type business plan was growing. STT, although its assets under custodial management have decreased, has seen an increase in customers for its primary business, and has been a beneficiary of the move to ETFs. However, both were been burned by their inability to manage their secondary business (but not an upfront revenue generator) of gauging risks and potential effects.
Like the insurers before them, STT has gone on the offensive to differentiate themselves from traditional banks, but the more than doubling of their losses has telegraphed to the market that they are more than just a financial trust company collecting fees for custodial services and not immune from the crisis.
The obvious question becomes STT‘s survival. Fellow trusts BK and NTRS, who came out with healthier reports, will most likely aggressively go after STT’s custodial business. Also, STT may see a serious exit of deposits from their low risk money market accounts if the clients sense a danger of NAV levels less than $1.00 par.
On the positive side, and this is a big positive, STT’s custodial customers have a vested interest in STT staying solvent and a fully functioning company. For large institutional clients, a switch of trust companies will inevitability lead to increased expenses as the two sides work out compatibility issues. In this environment, financial firms aren’t willing to face increased expenses that aren’t definitively necessary.
To conclude, STT in all likelihood is well capitalized to survive its current losses, but like MBI and ABK, it has exposed itself to numerous dangerous fronts that could lead to its demise a lot quicker than anticipated.
Disclosure: no positions
SOURCE: SeekingAlpha
Fraud Set to Rise as Financial Crisis Deepens
Posted by Steven Wevodau
Kroll Report Predicts White Collar Fraud Will Increase Significantly in 2009
- Wednesday January 21, 2009, 9:00 am EST
NEW YORK–(BUSINESS WIRE)–The current financial turbulence and threat of a global recession will result in an increase in white collar crime as well as significant changes in how fraudsters operate, according to the newly released Kroll Global Fraud Report. Kroll expects to see an increase in full-scale fraud investigations involving legal disputes, regulatory action and prosecution in 2009 as whistleblowing also becomes more common.
“In difficult economic conditions, businesses are struggling to compete for fewer business opportunities. This creates more incentives to deviate from proper business practices and engage in fraudulent activities to protect and maintain revenue,” said Blake Coppotelli, senior managing director in Kroll’s Business Intelligence & Investigations practice. “We saw a marked increase in the number of corporate fraud cases during the market downturns of 1987, 1991 and 2001.”
Fraud has been a factor in the current financial crisis since its inception. For example, the overheated U.S. property market and subprime mortgage boom provided opportunities for fraud in both mortgage originations and secondary mortgage-backed securities.
According to Kroll, comprehensive due diligence is a vital tool for containing fraud in a time of economic uncertainty as companies enter new markets and consider foreign direct investment through acquisition or joint venture partnerships.
“Comprehensive due diligence – not a cursory ‘check-the-box’ review – is the key to managing exposure to these threats through the downturn,” said Richard Abbey, managing director in Kroll’s Business Intelligence & Investigations practice. “Companies should not think that they are safer in certain country markets – this is a global concern that spans all industries.”
Additionally, with regulation expected to tighten in the wake of high profile cases such as the Madoff investment fraud, companies will need to re-examine their financial controls, corporate governance, compliance and transparency policies.
Kroll Global Fraud Report key findings:
- The financial crisis will see an increase in fraud claims, legal disputes and regulatory action
- Corporate governance will become a serious issue for shareholders
- Management will need to understand the process of whistleblowing and formulate appropriate responses
- Businesses will need to assess regulatory risk and its impact on future investments
- Cross-border transactions will increase exposure to complex fraud and corruption
- Greater due diligence will be required to ensure sound investment and meet compliance policies
About Kroll
Kroll, the world’s leading risk consulting company, provides a broad range of investigative, intelligence, financial, security and technology services to help clients reduce risks, solve problems and capitalize on opportunities. Headquartered in New York with offices in more than 65 cities in over 33 countries, Kroll has a multidisciplinary team of more than 3,800 employees and serves a global clientele of law firms, financial institutions, corporations, non-profit institutions, government agencies, and individuals. Kroll is a subsidiary of Marsh & McLennan Companies, Inc. (NYSE: MMC - News), the global professional services firm.
The Global Fraud Report, Issue 7, January 2009 is available upon request and at http://www.kroll.com/fraud.
Contact:
Fleishman-Hillard Emilie Moghadam, 202-857-2212 emilie.moghadam@fleishman.com
Feds put Madoff victims on hot seat
posted by Steven Wevodau
Investors clobbered by Bernard Madoff’s admitted Ponzi scheme have something new to feel queasy about—forms sent out last month by the Securities Investor Protection Corp. The forms ask victims to reveal, under penalty of perjury, how much cash they’ve withdrawn from their Madoff accounts for as far back as they can remember.
“Madoff’s records are reputed to be in disarray, so these clients’ sworn statements might be the best evidence out there,” said Howard Elisofon, a partner at Herrick Feinstein, who is representing several jilted Madoff investors. “By filling out the form, they may very well be providing a road map (for the Trustee) to assert a clawback.”
The possibility of clawbacks — investors being forced to disgorge money withdrawn prior to the fund’s collapse — has been looming from the outset. But it wasn’t until the claims forms were mailed out that those fears had any real substance.
Of course, investors who prefer to disappear into the weeds need not file the form. But those wishing to make a claim for lost funds, and to get up to $500,000 per account from SIPC, must fill in the blanks and file their forms.
“The one absolute truth is that if a claimant does not submit a claim form to the Trustee, there is absolutely no possibility of any future distribution,” said Stephen Harbeck, president and chief executive of SIPC.
The SIPC forms also ask victims to provide as much documentation as they can about deposits with the disgraced financier, because the veracity of all of Madoff Securities’ records is in question.
When news broke last month that Bernard Madoff may have perpetrated the world’s largest Ponzi scheme, swindling investors out of an estimated $50 billion, the government appointed a trustee to handle the remains of Mr. Madoff’s empire. The Trustee, Irving Picard of Baker Hostetler, is charged with gathering whatever assets he can find, and carrying out an equitable distribution of the funds to eligible victims.
Investors have until early March to complete the SIPC forms and return them to the Trustee. The forms contain no language limiting how the information will be used. Mr. Picard could not be reached for comment.
Meanwhile, the SIPC is trying to get as much detail as possible from each investor.
“The more information we have, the easier it is to figure out what’s going on,” said Mr. Harbeck. He acknowledges that there is the possibility of asking investors to disgorge profits taken over the years, but says the commission has not made any determinations yet.
“We’re going to be working with the regulations to come up with a plan that does the greatest good for the greatest number, that is consistent with the law,” said Mr. Harbeck. “The information (on the forms) can be used for all purposes, but the primary purpose is to determine the correct amount of the customer claim.”
Under current SIPC rules, each account could be eligible to be reimbursed by up to $500,000 by the agency, but most of Mr. Madoff’s investors lost far more than that. He was famous for turning away would-be clients unless they had more than $1 million to invest.
“There is also some concern that the SIPC may take the position that you’re limited in your recovery to your deposits, minus your withdrawals,” said Brad Friedman, a partner at Milberg who is also representing several former Madoff clients. If the commission uses this rule of thumb, then an investor who redeemed more than $500,000-worth over the past few years may not be able to collect anything.
There is also the possibility that the rules governing the SIPC liability limits could be revised through legislation.
Mr. Friedman believes the concerns about the SIPC forms are overblown. “The likelihood that the sole evidence of such a transfer would be in the SIPC document strikes me as remote,” he said, explaining that at some point, money had to be wired from a customer’s Madoff account to some other account for withdrawal, generating a record at two institutions.
“I doubt Madoff had cash piled up in his desk drawer,” Mr. Freidman added. “There will be a record at another institution of the transfer, and those financial institutions’ are going to be subpoenaed.”
The use of clawbacks does have precedent, however. The most recent example came with the 2005 collapse of the Bayou Hedge Fund Group, also an alleged Ponzi scheme, in which investors lost $450 million. The state court ultimately ruled that clients who withdrew their investments prior to the fund’s bankruptcy declaration could have their money rescinded.
La. second in 2008 insured losses
posted by Steven Wevodau
Associated Press - January 21, 2009 7:14 AM ET
BATON ROUGE, La. (AP) - ISO’s Property Claim Services Unit says Louisiana suffered $2.2 billion in insured losses from catastrophes in 2008, the second-largest total in the United States.
Insurance industry experts say U.S. property and casualty insurers are expected to pay $25.2 billion to homeowners and businesses for 2008 catastrophe losses, the fourth-highest total in a decade. Texas led with $10.2 billion, by far the largest catastrophic loss total last year.
There were losses from 37 catastrophes in 2008, the most disasters in 10 years. Hurricanes caused the most losses, estimated at $13.3 billion, while two tropical storms caused $300 million in damages.
Information from: The Advocate, http://www.2theadvocate.com/
Copyright 2009 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
These Bailouts Won’t Work Either: Dr. Doom
Posted by Steven Wevodau
The new bank bailouts are not likely to work because they are run by the same people who prolonged the economic agony by throwing money at weak companies rather than allowing them to fail and encouraging the strong ones, Marc Faber, the publisher of the Gloom, Doom and Boom Report, told CNBC Monday.
Britain threw its troubled banks another multi-billion pound lifeline Monday by allowing them to insure against steep losses and guaranteeing their debt, while an adviser for U.S. President Elect Barack Obama said the rest of the TART money will be used to clean out bad assets from the financial system.
“The financial crisis has occurred because of government interventions,” Faber told “Squawk Box Europe.”
“Specifically central banks, or specifically the US Fed, by keeping interest rates artificially low for too long, they created a huge leverage in the system. So the people who created the problem now are in charge to bail out the system and that’s why I am very skeptical that it would work,” he added.
The governments’ efforts to pour money into certain businesses to keep them afloat while letting others fail were arbitrary and increased volatility, he said.
“I think it was good that Lehman went bankrupt but I can’t see any reason why AIG has been supported. Either you bail out everybody or nobody,” said Faber.
“The contractions actually serve to build for the future growth, because the weak competitors are eliminated. If you support the weak competitors you essentially penalize the strong competitors and therefore I am very much against these bailout packages.”
There is a chance that the second half of this year may be worse than the first half, but markets, which were oversold in November last year, may go a little higher, according to Faber.
In the credit markets, things seem to have improved “but we have to be aware that there is a danger that one day, government credit, government bonds are going to be downgraded. I think that may be the shoe to drop some time in 2009 or maybe next year,” he said.
(Watch the first part of the CNBC interview with Marc Faber above and the second part here >>>).
Investors counting on the fact that stock prices are very low for long-term growth should bear in mind the Japan lesson, where prices are virtually at the same level they were in 1981, Faber noted.
Commodities may be a better play as some time, when the global economy picks up, prices will rise because investment in new exploration or mining has all but stopped, he said.
“I have shares in Asia, mining stock, exploration companies, physical gold,” Faber said.
“As far as currencies are concerned, I think the dollar is a disastrous currency but the others are even worse. I am leaning more towards the view that the dollar could strengthen even more.”
Poll Finds Americans Support Increased Business Regulation
posted by Steven Wevodau
A clear majority of Americans believe government regulation of business should be increased, a new poll showed Wednesday.
The poll, conducted by Public Strategies Inc. and the Politico news organization, found that more than seven in 10 Americans think U.S. business is on the wrong track, and 67 percent think federal regulation of businesses should be increased.
The poll, first in a quarterly survey to monitor Americans’ trust in public and private institutions, followed a Wall Street collapse that has contributed to a dampening in consumer spending and deepened the recession.
Mark McKinnon, vice chairman of Public Strategies, said the results of the poll showed a a clear change from nearly 30 years ago when Republican President Ronald Reagan was swept to power by disparaging government as the problem, not the solution.
“That’s really shifted here,” he said. “Voters seem to be saying that government is the solution, or at least a big part of it.”
The incoming administration of President-elect Barack Obama is expected to make a push for increased government regulation of the financial industry as a result of the Wall Street meltdown.
Voters appear to be looking toward Obama for change. The poll found 62 percent of Americans surveyed said their confidence in government and in the business community had fallen over the past year.
The poll showed support for Obama in putting together an economic stimulus package aimed at re-energizing the U.S. economy.
It said 45 percent believed the government’s top priority over the next year is to bring forth an economic stimulus package that will employ out-of-work Americans. Only 12 percent cited a U.S. withdrawal from Iraq as the government’s top priority for the next 12 months.
The survey said 46 percent would prefer the stimulus be used for direct spending on infrastructure programs over investments in corporations to protect existing jobs.
(Reporting by Steve Holland)
U.S. Halts Two Ponzi Schemes in Wake of Madoff - posted by Steven Wevodau
The U.S. government took action Thursday to halt two Ponzi schemes as investors continue to reel from the fallout of accused swindler Bernard Madoff’s alleged $50 billion fraud.
Securities and futures regulators charged a Philadelphia-area fund manager with operating a $50 million Ponzi fraud, in which he paid off early investors with money from later investors, officials said.
In a separate case, authorities charged an 82-year-old man with allegedly running a $17 million Ponzi scheme where he targeted the elderly and members of the Catholic community, including priests, religious orders and cemetery funds.
The charges come about a month after Madoff was arrested for allegedly swindling billions from investors, banks and charities. The Securities and Exchange Commission has been criticized for failing to detect Madoff’s alleged fraud.
On Thursday, the SEC and the Commodity Futures Trading Commission alleged that 53-year-old Joseph S. Forte reported consistent returns to his investors even though he consistently lost money, withdrew millions of dollars in fees for personal use, and used investor funds to repay other investors.
Forte claimed he was a successful commodity futures trader and that his fund had a successful track record, the CFTC said. He was never registered with the SEC, nor was his fund registered with the CFTC. The SEC said it has obtained an emergency court order freezing Forte’s assets.
According to the government complaints, Forte conducted the Ponzi scheme since at least February 1995 and solicited about $50 million from as many as 80 investors, including at least one charity, to participate in a commodity futures pool.
The SEC complaint said that late last month, Forte admitted to federal authorities that he had been conducting the Ponzi scheme and that he did not have the funds to repay investors.
Forte admitted that he misrepresented and falsified Forte LP’s trading performance from the very first quarter and arbitrarily selected the percentage of gains that he would report to investors, the complaint said.
From 1995 through Sept. 30, 2008, Forte reported annual returns as high as 37.96 percent. However, from January 1998 through October 2008, the Forte LP trading account had net trading losses of about $3.3 million, the SEC said.
Regulators said efforts are underway to account for and locate funds. Attempts to reach Forte were not successful.
Separately, the SEC and the Department of Justice charged 82-year-old Richard Piccoli with running an alleged Ponzi scheme using his companies, Gen See Capital Corp. and Gen Unlimited. Piccoli advertised almost exclusively in Catholic newspapers, authorities said.
According to the complaints, the New York resident promised investors a guaranteed annual return of 7.1 percent for a $5,000 investment, with a higher rate of return for larger investments. However, Piccoli did not invest the funds and instead used investor funds to make payments owed to other investors, authorities said.
The SEC is seeking a court order to freeze Piccoli and Gen See’s assets. Attempts to reach Piccoli were not successful.
(Reporting by Rachelle Younglai; Editing by Tim Dobbyn, John Wallace, Richard Chang)
100 signed checks found in Madoff’s desk - posted by Steven Wevodau
NEW YORK Prosecutors said yesterday that investigators found 100 signed checks worth $173 million in Bernard Madoff’s office desk that he was ready to send out to family and friends at the time of his arrest last month in what is alleged to be the largest financial fraud in history. The detail was provided in a court filing yesterday. A judge was expected to rule today or Monday on whether Madoff should be sent to jail. Meanwhile, the many Madoff investors who withdrew money from their accounts over the years are now wrestling with an ethical and legal quandary: What they thought were profits was likely money stolen from other clients. The issue came to the forefront as about 8,000 former Madoff clients began to receive letters inviting them to apply for up to $500,000 in aid from the Securities Investor Protection Corp. Lawyers have been warning clients to do some tough math before they apply for funds.
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