very simple proxy that works for me it might not work for you which is whatever you used to do risk-free rate I said is a good way to think about what your normal growth in GDP will be over time that solo ever remember it being law helped you know caustic Property Valuers Melbourne Apple so here I am saying it had you know I’m gonna hold the other string back so toucan use a six percent growth rate in perpetuity and .% restricted there’s something internally inconsistent about what you doing so when I ask you when will the good times and I’m asking you when will your company become a mature company in a one answer I’m not willing to accept never and you know how often you get an answer I seventy one.
Terrorist you know how long it lasts less long than it used to because we keep cutting sessions of every semester and charging it the same price but it’s fairly thick sessions just like this class you know there ions class one equation that the entire Property Valuation Sydney class near the value but i think is present value of expected cash flows on the rise and that is actually the very foundations.
wasn’t at the very first class that’s it that’s my dear everything evaluation classes about estimation details how do I get cash flows how do I come up with this country’s so let me back up here you have an equation that drives value but when I look at the equation I’m thinking about questions to which I need access to the value of company so its nonthinking about your company or any company.
Section we will walkabout what what we see is we’ve talked a lot about the volunteering are going touche that terminology is the private insurers but the assigned with plan state bond all are going to be all the options for on employers are looking for reinsurance addition to these Homeowners insurance quote Florida possibilities buying insurance whether voluntary market be a fine risk planet terrace ensure that our employers often time scan do it themselves or do it with a group and so it’s not uncommon to see large employers self insure that is to say.
They did say we have enough employees we have enough ability to calculate what we think our losses are going to be and so we’re going to pay for myself we don’t need the insurance the premiums would pay will be effectively but we’re going to pay anyway so we must all pay for yourself large companies again will oftentimes do this groups particularly industry groups will often do this as well so they’ll get together and combine the employee base and again sort of what we might call self insure that group when this does occur this.
can be used to meet the workers compensation requirements in the state usually the statement will require some sort of surety bond from the from the employer to guarantee that the financial security of their whether it’s from thean individual employer or group and also oftentimes the employers of the group’s the few lives to serve self-insurance mechanism will use a third-party administrator to handle Themistocles one of the big benefits of insurance by insurance is that you have the sort of claims handling ability I don’t say a large business might not have and so they solve that problem by utilizing at EPA or third-party administrator can manage the claim swell that wraps it up for us we have we discussed a couple of things and hopefully you found useful a couple of some various property casualty topics including the homeowners of personal politics personal policy a couple of insurance markets that surplus funds and the insurance market as well as this workers competition to sort of the commercial coverage.
Insurance services office this is a sort of an organization that provides a generic forms to your trading advice to insurers and most of the forms that are used by insurers are based off these generic form so if you go home and find that your nationwide premier policyholder homeowners insurance broward county florida or whatever you might have is slightly different than what we’ll walkabout here that’s the reasoning well the homework policy has two basic sections.
The first deals with the property disclosures that we mentioned earlier to come come along with owning a home and the second will talk about the second is the the liability section itself has four coverage conveniently named coverage ABC and D these coverage courage eight firstly cover the actual homes when we think of a home ownership of the home the dwelling is coverage a thesis sort of primary coverage the limits that we that is used and coverage atypically the limits all out that would be useful and repairing or replacing the home should be destroyed be in a sort of cover speed in a similar vein or any detached structures that may also exist on the land on-so this might.
Be a detached garage pool house maybe a pool itself something in this mean typically covered is about ten percent of the limit for curse . that is about ten percent of the limited coverage a again this can be changed as necessary you know that both of these coverage are covered sure.