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.