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- Fremont Michigan Insuracorp: Taking Great Steps in the Right Direction
- Harry Long submits: In my last article on Fremont (FMMH.OB), I wrote that "The proof of the pudding in terms of management's serious about shareholder interests will be if we see significant progress on the expense ratio front next quarter and beyond and a move to expand to other states."...
- External links 2008-11-11
- Fremont Michigan: A Case Study in Board Structure and Risk Control Oversight
- Harry Long submits: This past year, many of us have asked ourselves how corporations could practice such lax risk control. Often, in order to understand a board's effectiveness at risk control, it is wise to examine a board's makeup and the structure of incentives between board members. While corporate strategy...
- External links 2009-08-25
- Government Intervention: A Vision for the Future
- Harry Long submits: "The wise and correct course to follow in taxation and all other economic legislation is not to destroy those who have already secured success but to create conditions under which every one will have a better chance to be successful." Calvin Coolidge Primitive...
- External links 2009-05-21
- Some Questions and Solutions for Fremont Michigan's Management
- Harry Long submits: It is highly important for management and directors to view core business issues from a variety of angles. Hopefully, these questions will stimulate constructive solutions to serious business issues that face Fremont (FMMH.OB). Of course, evidence of effective solutions will be concrete action which quantitatively improves...
- External links 2009-04-24
- Fremont Michigan: Adventures at the Frontier of Corporate Governance
- Harry Long submits: Sometimes, the managements of public companies disappoint us. I have been engaged in a long term relational/activist investment in Fremont Michigan Insuracorp (FMMH.OB) and have gotten to know management, including CEO Richard Dunning, CFO Kevin Kaastra, COO Kent Shantz, EVP David Mangin, VP Kurt Dettmer, and VP...
- External links 2009-03-29
- Ratings Agencies, Public Policy and the Structure of Incentives
- Harry Long submits: The recent debate over whether issuers or investors should pay ratings agencies totally misses the point. Both models create incentives for potential distortions of ratings behavior. As many have pointed out, when issuers pay, there is a clear incentive to make the initial rating higher...
- External links 2009-03-29
- Fremont Michigan Insuracorp: Great Job on Expenses, Need to Raise Rates Fast
- Harry Long submits: In the latest quarter reported, Fremont Michigan Insuracorp (FMMH.OB) decreased its expense ratio from 38.4% to 30.8%. That is a great performance, and if the company can keep dropping the expense ratio to 25% and lower, it will be in the running to make the business a...
- External links 2009-02-27
- Fremont Michigan Insuracorp: The Possible Benefits of Lowering Reinsurance Levels
- Harry Long submits: It might be extremely profitable for Fremont Michigan Insuracorp (FMMH.OB) to moderately reduce its level of reinsurance in certain of its lines. While this might make underwriting results more volatile on a quarterly basis, it would very likely reduce the combined ratio of the company on a...
- External links 2009-01-25
- Fremont Michigan Insuracorp: High Quality Platform at a Bargain Valuation
- Harry Long submits: I've been in an activist campaign to push Fremont Michigan Insuracorp (FMMH.OB) to lower its expense ratio and make other reforms to lower the company's business risk and increase its intrinsic value. To the company's credit, the expense ratio has come down significantly over the past...
- External links 2008-12-23
- Challenging the Low Interest Rate Religion
- Harry Long submits: In The Unintended Effects of Bad Policy (May 18th), I wrote that: [L]ow interest rates often have the opposite of their intended effect. Extremely low interest rates can vacuum liquidity out of nations. Japan has been referred to as a nation where loose monetary policy was like...
- External links 2009-10-07
Additional Resources
- Ebix, Inc. Q4 2008 Earnings Call Transcript
- Question-and-Answer SessionOperator Thank you. Operator instructions Your first question comes from Harry Long [ph]. Harry, your line is open. Harry Long Hi, Mr. Raina, fantastic numbers. What a great quarter. Robin Raina Thank you, Harry, how are you? Harry Long Doing great. It was great meeting with you down...
- Earnings calls 2009-03-17
- Harry Winston Diamond Corporation F3Q08 (Qtr End 10/31/07) Earnings Call Transcript
- Earnings Call Excerpt Harry Winston Diamond Corporation HWD F3Q08 Earnings Call December 13, 2007 9:00 am ET Executives Nancy Murray – V.P. Investor Relations & Communications Robert Gannicott – Chairman & CEO Thomas O’Neill – President Alice Murphy – V.P. & CFO Presentation Nancy Murray ...
- Earnings calls 2007-12-13
- Prisoners of digital television: A misadventure in high-tech regulatory policy—and a harry Potter fix
- IN Harry Potter and the Prisoner of Azkaban, the young student wizard Harry Potter is pursued by a horde of creatures called Dementors. To make a long, well-plotted story far too short, a future version of Harry suddenly appears and waves his magic wand, reciting the spell "Expecto Petronum!" Thus...
- Research articles 2003-04-01
- NUCO and Hoopis team up for the Life Insurance Sales Mastery Forum.(New Conferences)(National Underwriter Co.)(Harry Hoopis)
- To help sales professionals reach their full potential, The National Underwriter Company has teamed up with long-time life insurance producer Harry Hoopis to deliver a new sales educational program to financial advisors. To help sales professionals reach their full potential, The National Underwriter...
- Research articles 2003-10-27
- Remembering Harry and Harriette Moore
- It could not be in Jesus' name, Beneath the bedroom floor, On Christmas night the killers Hid the bomb for Harry Moore. It could not be in Jesus' name The killers took his life, Blew his home to pieces And killed his faithful wife. - Ballad of Harry Moore by...
- Research articles 1999-05-01
- Bloomsbury caught in the Harry Potter spell.
- Byline: The CFO interview Colin Adams Bloomsbury Publishing Colin Adams, group finance director of Bloomsbury Publishing, the company that brought Harry Potter into print, has a lot to smile about - even though he gave his first edition of Harry Potter and the Philosopher's...
- Research articles 2001-11-12
- WIZARD CHANCE TO PLAY HARRY AT HIS OWN GAME; pounds 700,000 computer
- IT'S wizard news - the first official Harry Potter computer game is being launched later this year. Fans will be able to choose their own character and join Harry and friends at Hogwarts School to learn the secrets of a carefully- guarded spell book to help them...
- Research articles 2001-04-08
- Harry Pinzur.(Obituaries)(Obituary)
- Harry Pinzur of Buffalo Grove Graveside services for Harry Pinzur, 86, will be held at 3 p.m. Tuesday, at Shalom Memorial Park Mount Moriah Section, 1700 W. Rand Road at Wilke, Arlington Heights. Harry was a pharmacist for over 50 years, with stores located...
- Research articles 2003-08-26
- Reid: White House Iran Decision Long Overdue
- WASHINGTON, May 31 /U.S. Newswire/ -- Senate Democratic Leader Harry Reid today issued the following statement on the Bush Administration's long-overdue announcement regarding talks with Iran about that country's nuclear program. Two weeks ago, Reid and oWASHINGTON, May 31 /U.S. Newswire/ -- Senate Democratic Leader Harry Reid today issued the...
- Research articles 2006-05-31
- ``Harry Potter and the Goblet of Fire'' Screened for Astronauts on the International Space Station; Warner Bros. Pictures and NASA Send the Film 220 Miles above Earth
- BURBANK, Calif. -- International Space Station Commander William McArthur got a very special viewing of "Harry Potter and the Goblet of Fire" this week. McArthur, a NASA Astronaut, is working and living on the station as part of a six-month mission. As part of NASA's regular assistance to long-duration spaceflight...
- Research articles 2005-11-23
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