The need for long-term financial planning should occur in the first years of youth, especially now that aging is a widely debated topic. In other words, financial planning should start with our first job. Although for most of us there will always be short or medium term priorities, such as...

Poverty is one of the most serious questions facing the world today. Food, hygiene and education are the main problems of the poorest countries in the world. Volatility in food prices pushed tens of millions of people into poverty and contributed to violence and instability, both extremely...

The insurance companies operating in a competitive and dynamic economic climate, so solvency is a very important problem. The guarantee funds protect policyholders against situations where insurers can not meet its contractual obligations, and supervisors constant attention is how to regulate...

Aging population and the difficulties involved in the social protection systems appears to be a feature of all developed countries. Socio-demographic and economic processes (aging, active population reduction, macroeconomic problems, mainly in countries in transition), which will increase in the...

Any investment work is materialized in investment objectives which, in the end, participate at the accomplishment of the production process as permanent capital. Therefore, the aim of any investment work is to constitute the material substance on which the future estimated action is being...

The material investments are reflected in the corporal immobilizations, with priority in the devices and in the installations, in the lands and in the fittings, in the buildings and in the constructions, in other endowments, but also in other actions and expenses that are assimilated to the...

The risk identification represents the first and most important phase of the risk management process, this consisting also in the potential dangers identification that exists in the entity.

In the world insurances exist only due to the benefits of employees. This simple truth is sometimes neglected. Debates on social insurances are often focused on political and technical problems like risks division, solidarity, insurances system management. Although these aspects are important...

Although post is part of our daily life, many of us assimilating it with the image of the postman or with a stamped letter, we are few in the position of having been given the opportunity to go beyond the counters installed in posts, for a better knowledge of the complexity of this activity. The...

The risk identification represents the first and most important phase of the risk management process, this consisting also in the potential dangers identification that exists in the entity.