Donations:

I do not know if donations can be regarded as a business but if it can be a way to earn some income for our work on the network. Donations online became popular about the same time as the Paypal payment system and for a time we saw had websites asking their users for donations to continue offering the service. My impression is that the world of free software is a model that has worked but I have many information. If I know the experience of a project like eyeOS but what I have is that it was very profitable. This line would also donationware and donations that Wikipedia calls itself every so often to keep operating.

Selling virtual products:

This virtual money and virtual products is something I have always known a lot of attention. In virtual worlds and online games is very common to use virtual money to buy certain objects or properties within the game and there are companies and people who have seen this as a business opportunity. For the first is that a business is for companies that develop this kind of video games and virtual worlds that encourage consumption and real money to buy things in the game. A well-known case of this is the online game Habbo where in order to access certain sites or to decorate your room as the user must buy Habbo Credits.

Contests:

In the network is very common organization of all types of contests and delivering all kinds of prizes to users. Organize and provide something of great value to loyal users and is often a good way to get presence in the media, especially if it is something original and appealing. Therefore for websites can be very interesting to organize competitions are sponsored by companies that are part of income support in management costs. Bitacoras.com The awards are a good example of that, having secured major sponsors for some of their categories.

Events:

It’s good business to organize an event of internet? the truth is that there are many but so few of them will become profitable in economic terms. Most of these events arise as a need of the industry and its organizers are a great way to make themselves known and gain influence. Therefore we can not regard the event as a business model but maybe as a supplement or as a way to attract interest in our other projects.

Work, work, work:

Makes 20 the number of business models in the network. No work, no reward and all the big Internet businesses have something in common, a lot of work by its creators. And I do not mean you have to kill to work with intelligence and effectiveness may not be necessary to work from sun to sun, but nobody thinks to create a successful product in the network do not have to work hard.

Professional projection:

With the advent of internet, but especially with the rise of blogs and social networks as we have seen a new batch of professionals has been able to use these tools to promote maximum as professionals, made a name in the sector in which they work and especially improvements in their specialty. Enrique Dans sounding names like ourselves that we talk about influential on the internet and through their daily work in front of her blog is invited to many conferences and workshops around the world, an activity that must be very lucrative and is perfectly complementary to a practicing teacher in a school. This is just one example of many professionals who use the network every day as your best tool for promotion.

Consultancy:

We can say that it is somehow related to the previous case, but it deserves a separate space for those professionals who use the network to offer their services and use all the tools of internet communication that puts its power to communicate with their clients and work with them without being physically in the same place. In this line we can find for example advocacy services offered by internet Javier Muñoz iAbogado from its web platform. Also in terms of Internet strategy consulting concerns we have begun to offer these services from the brand that we have called Loogic Business.

Crowdsourcing:

Is a development and outsourcing is that companies can make orders for certain jobs to many people involved in partnership to achieve, but without having to join a specific company or institution, all internet and totally virtual . One of the best examples of this system is the labor market created by Amazon and is known as Mechanical Turk. A place where thousands of people volunteer to perform tasks that do not require much expertise, but if time and ability to carry it out.

White label:

Internet is very common to use white-label services to create new sites based on models of success. As we saw recently in Loogic Minijuegos was creating Web services applications using a white label web coloring drawings, a social network of contacts and a web of online tournaments. The Mini brand is so strong that many guarantees of success if you offer other services to their loyal users. In this case, instead of having to create from scratch using other services that are offered as private label and saves a lot of money on development. For Web services with a smooth white-label offering to the projects acknowledged can be an interesting option to improve incomes.

Micro:

Although it has not come to have the success that many had hoped the fact is that options for access to micro-services or content can work quite well for specific cases. We are not talking about a premium service but rather the use of payments for different operations. Some examples may be a mobile content downloads or software downloads from secure servers to prevent virus issues. A very interesting example at Softonic we see that at the time of discharge gives us the chance to do it safely if we make a micropayment SMS. The combination of the use of mobile SMS and the web in this sense becomes very business model that we should take more account of income to supplement our projects.

Auctions:

Always said that eBay was a need related to a hobby of their creator, and hence has become one of the largest Internet companies, including listed companies. But Ebay is not the only company that lives on the internet auctions, almost every country with a good level of internet penetration of this type have appeared in some auction sites have been purchased by the leader. More recently we have begun to emerge as the reverse auction sites, some of them are becoming quite well known and has brought a new business model the industry that seemed dominated by the leadership of Ebay.

Purchase domains for sale:

I am in favor of speculation in domain names and premium seems logical to me to be a scarce commodity (coches.com, viajes.com, moda.com, noticias.com …) I understand that there are people who are engaged in the business of buying and sell these domains. But I do not like where this domain is moved to “no premium” because persons who registered thousands of domain names which are preventing assemble projects have internet facility available for domains that fit our interests. However, what needs to recognize is that in the business of speculation in domain names and big money moves is a phenomenon that is part of this whole area so it must be borne in mind.

Contents of payment:

Here is the outcast of the big Internet businesses, at least in a general content is concerned. Content on the Internet began to be free, users got used to us and now there is no way to charge for content created exclusively for internet. Clearly there are exceptions (pornography, financial analysis and little else) but now no one is to create a blog for example and charge for that users can read it. In Spain we had a case that made us realize that the contents of closed and had no future payment, the daily El Pais closed its content and wanted to charge users for reading in the time it took to realize that it was not another good business daily, The World, became the leader of the network audience.

Software as a Service:

Is closely related to the premium services that we have seen, but there are important differences in this respect, more goals than the actual operation. What I see is that software as a service (SaaS) is to lead the network applications that we used normally installed on our computers and in many cases these applications are more aimed at the business use. Besides the companies that offer software as a service also provides ongoing support and maintenance to business customers, so the relationship and dependence between the two is far in May. Premium services for their part are applications that take full meaning on the Internet, and often do not even have an offline equivalent, plus in most cases do not have options for user support. As the SaaS is primarily targeted at businesses find it much easier everything that has to do with charging for the use of applications, businesses are more accustomed to paying for certain tools the user.

Email marketing:

Forgotten by the majority of projects that have recently emerged on the network, but we should consider it more as it has always been a good way to supplement income from advertising on the web. Sending newsletters by email, either with the contents of the website or specific content has been moved by subscribing via feed, especially by blogs, but there are still many people who would prefer that you get the information by email instead of having to surf the web in search of new content being created. There are many companies that specialize in email marketing for businesses and working with advertising results is a fairly common method. Finally, we should consider it as a perfect complement to e-commerce and stores that can inform their customers of new products and offerings, only to maintain contact with the user and affect the brand’s presence and can be quite useful.

Business Channels:

It is an option that has become popular thanks to Youtube that is offering long and reaching agreements with all types of businesses to create their own channels within the portal videos. Companies involved in audio-visual items are in perfect showcase Youtube to broadcast their content and this site offers the ability to customize their channels and provide specific options for their users. This system have begun to use some projects in Spain and I think it will be a good option to diversify income or access to companies to build relations or advertising services.

Brokerage:

Many websites are already content or services using affiliate or intermediary systems as the main source of income. It is impossible for millions of users that populate the network with information and direct access to a service, so the companies that have offered to serve as intermediaries to bring their message or products to as many users as possible . These companies sell their products or services have defined their own systems of working with brokers and how much better is the relationship between the firm and the broker can obtain better results. Businesses such as the sale of airline tickets or hotel reservation is well suited for this, also brokering the sale of financial products. The price comparisons and products are some of the sites that base their business model brokering.

Reserves of insurance companies are of two kinds. The first group consists of net and carried out, as in all businesses, for example, Legal Reserve Reserve Optional Reserve General Provident etc.

The other group is composed of the technical operation of its own insurance.

The reservations of the first group are designed to increase the resources of the company, prevent future losses or to make subsequent distributions between partners or shareholders. In contrast, the technical reserves are not responding to these purposes and represent a liability or commitment by the insurance company, putting well highlighted the essential difference between the two types of reserves.

Provision for current risk: A certain portion of the premiums paid each year on insurance if any, are transferred to this reserve. For each of the classes of insurance that is operated using a pool of this nature, both direct insurance and for reinsurance taken.

The insured to obtain insurance, acquires the obligation to pay the premium in advance. Do immediately or in installments, the fact is that the company has an active mass of values which must deal with claims relating to policies issued. Casualties occurring in the year of issuance of the policy is credited with the mass values. But you may find casualties in the exercise later. Therefore, to meet its payment is necessary to book in premiums each year, a certain proportion, which is credited to the Reserve of current risk of each of the possible insurance.

On the establishment of such reservations apply the following rules:

o In general, for any insurance risk must reserve 80% of premiums, net of reinsurance and cancellations, which are representative of the risk does not run at the year end.

In marine insurance or who is hired by the travel booking is made by total premiums, net of reinsurance and cancellations, for the last two months of each year.

o insurance and fidelity guarantee should be reserved for 40% of net premiums each year and an additional 15% on average net premiums for the past three years.

Math Book: It is for life insurance. Theoretically these insurance premiums, given their nature, should be raised continually, by the greater likelihood of death of the insured as time passes. But if so do life insurance would be prohibitive from a certain age. To avoid this inconvenience insurance companies receive premiums or half flush. Mean that an insured will pay their premiums too early with respect to what is appropriate for their likelihood of death, and pay lower premiums after a certain age. The amount paid in excess during these early years, is the premium savings. With this and the part that takes the risk premium, as well as accrued interest, is the mathematical form of insurance.

Reserve for outstanding claims: This reserve is credited with the amount of claims reported to remain in the process of settlement and for this reason have not been paid, whether direct insurance or reinsurance.

Life Insured Accumulation Fund: this fund is credited to the items to be distributed among the policyholders of the Life section as fringe benefit under the conditions stipulated in the policies. These items can be useful in this Section or income thereof shall affect this end.

There’s a new type of Web site out there, one that aims to help baby boomers buy long term care Insurance more easily. The idea is that the next generation has seen our parents’ long term care needs and wants to have its own solution. Those who believe that Medicaid will step in are very wrong, and they are certainly not alone as this is a common belief. More can be found here. The first question a buyer may want to ask themselves would be: What is Long Term Care Insurance? The site gives all the details, but in a nut shell, it is the insurance that takes care of people who are too well to be in the hospital, yet to sick to be independent.

The policies are issued when you cancel the insurance contract terminates. This usually occurs in the following cases:

* Failure to pay the premium.

* Change owner of the thing insured.

* Reluctance.

* Fraud by the insured.

With the cancellation of the policy the insurer is only entitled to a premium for the risk you run.

Claims Settlement

Claims that communication begins with the insured or the beneficiary of the insurance must be made to the insurer, to make this pay the sum insured. For the settlement of claims are required three steps:

1. The verification of the incident.
2. Valuation.
3. The settlement, to make your payment.

In order to fully verify the claim, the insurer requires a series of tests designed to that end and makes all efforts to ensure that it considers appropriate in the event that is covered by insurance.

The valuation of the damage to the insured in the insurance on things is very important because the amount of compensation depends not only on the sum insured, but also the value of things in the days of the incident. The value of insured property requires the intervention of experts or expert liquidators.

Reinsurance is a contract by which an insurer has taken a direct part of it transferred insurance to another insurer, which therefore takes the responsibility to pay the proportion that corresponds in the event of the risks specified in the insurance contract.

The risk can be assumed that technically an insurance company have a limit, after which imposes the need for reinsurance to transfer to other companies such excess risk.

The basic rule for establishing the limit of risk that can assume is in the uniformity of capital insured for each company.

To avoid an imbalance that can cause lack of uniformity in the capital, the companies reinsure part of insurance that exceeds the normal limit of insurance capital.

The limit of the risks that can run an insurance company is called full. The company that gave the surplus of its full and transferor is called a reinsurance liabilities. The company that takes the reinsurance is called the grantee, and a reinsurance asset.

In turn, a reinsurance asset may be the subject of a new reinsurance with another company. This is called retrocession reinsurance. Usually companies pay to the transferee cedants the same premium charged to policyholders and paid them a commission higher than that payable to their agents or brokers.

In our country reinsurance is regulated by INDER (National Institute of Reinsurance), which monopolizes the domestic reinsurance companies and 30% approx. The foreign companies. In turn the I.N.D.E.R. can go back to their reinsurance companies operating in foreign country or foreign insurers.

Most insurance companies are corporations in which the sovereign body is the Assembly of Shareholders and its governing body the Board of Directors or Directors appointed by the shareholders meeting in assembly.

Directory Management reports directly to the General, who, like any business, is the executive responsible for driving the company pursuant to resolutions adopted at that.

Acceptance and Issuance of Insurance Policies

The issuance of the policies is done via the following steps:

1. Application of insurance.

2. Verification of all information contained in the application.

3. Acceptance of insurance.

4. Issuance of the policy.

The application is the proof of insurance whereby the insured asks the insurance company a certain. Therefore it contains the information necessary for the insurer knows exactly who has the risk of running out insurance. The main data are:

* Date.

* Identification Data insurable.

* Object and the insurance risk.

* A description of the thing to be sure.

* Amount of insurance.

The declaration reduces health costs of issuing the policy, because it is less costly to make such a statement verifying the medical review, and simplifies management at the insured to induce him to take a life insurance. Accepted the request, the policy is issued pursuant to that data and delivers accordingly.