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	<title><![CDATA[premium Resources | BNET]]></title>
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	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to premium]]></description>
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		<title><![CDATA[Health Insurance: Is AARP Looking Out For You?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/article/health-insurance-is-aarp-looking-out-for-you/351164/]]></link>
		<description><![CDATA[AARP?s health and long-term-care insurance policies are rarely the cheapest option, but they are surprisingly competitive, and can be particularly good for people who are not in perfect health. MoneyWatch compared benefits and real-world prices to find the best plans for you.   Anyone over the age of 50...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Fri, 09 Oct 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/aarp.html"><![CDATA[AARP]]></category>
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		<title><![CDATA[7 Insurance Myths That Can Cost You]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/article/7-insurance-myths-that-can-cost-you/346184/]]></link>
		<description><![CDATA[Think you?re covered? Maybe not. Read these insurance misconceptions and be sure you have the right protection.    	  1. My Job&#8217;s Disability Insurance Will Cover Me   	  You may believe that after an accident or illness your lost income will be covered through...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Wed, 30 Sep 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/coverage.html"><![CDATA[Coverage]]></category>
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		<title><![CDATA[The A-Share Premium: Could It Extend To Toxic Assets Too?]]></title>
		<link><![CDATA[http://industry.bnet.com/financial-services/10002168/the-a-share-premium-could-it-extend-to-toxic-assets-too/]]></link>
		<description><![CDATA[If Shanghai expands listings of foreign banks quickly enough, the A-share premium may be the first real glimmer of hope for toxic western mortgage-backed derivatives. by Daniel M. Harrison]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Tue, 11 Aug 2009 12:00:22 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/assets+inc..html"><![CDATA[Assets Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
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		<category domain="http://resources.bnet.com/topic/daniel+m.+harrison.html"><![CDATA[Daniel M. Harrison]]></category>
	</item>
	<item>
		<title><![CDATA[Finding the Lowest Premium for Physical Silver]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F106910-finding-the-lowest-premium-for-physical-silver%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Michael Zielinski submits:  If you&#8217;ve tried buying physical silver recently, then you are undoubtedly aware of the incredibly high premiums charged above market value. I wrote previously about the premiums for 100 ounce silver bars, which are traditionally a low premium method for acquiring silver. At the time of...]]></description>
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		<pubDate>Wed, 19 Nov 2008 11:36:09 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/silver.html"><![CDATA[Silver]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
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		<category domain="http://resources.bnet.com/topic/ishares+silver+trust.html"><![CDATA[IShares Silver Trust]]></category>
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	</item>
	<item>
		<title><![CDATA[Premiums Paid for 100 Ounce Silver Bars]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F102885-premiums-paid-for-100-ounce-silver-bars%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Michael Zielinski submits:  There has been much recent coverage of the rising premiums being paid to purchase physical gold and silver bullion. This has been cited as a consequence of the extreme demand for precious metals and evidence of the growing disconnect between market prices and physical prices. I...]]></description>
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		<pubDate>Thu, 30 Oct 2008 01:16:33 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://resources.bnet.com/topic/michael+zielinski.html"><![CDATA[Michael Zielinski]]></category>
		<category domain="http://resources.bnet.com/topic/michael+zielinski.html"><![CDATA[Michael Zielinski]]></category>
		<category domain="http://resources.bnet.com/topic/ishares+silver+trust.html"><![CDATA[IShares Silver Trust]]></category>
		<category domain="http://resources.bnet.com/topic/gold+%2526+precious+metals.html"><![CDATA[Gold & Precious Metals]]></category>
	</item>
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		<title><![CDATA[Humana Presses Its (Medicare) Advantage]]></title>
		<link><![CDATA[http://industry.bnet.com/healthcare/1000205/humana-presses-its-advantage-in-medicare-advantage/]]></link>
		<description><![CDATA[Unlike its health-insurance competitor WellPoint, which looks to be ceding its turf in the management of government-sponsored health plans as quickly as it can, Humana remains heavily dependent on managing Medicare and Medicaid plans that account for close to 70 percent of its total membership. And it has a new...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 29 Oct 2008 06:29:37 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/medicare.html"><![CDATA[Medicare]]></category>
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		<category domain="http://resources.bnet.com/topic/david+p.+hamilton.html"><![CDATA[David P. Hamilton]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">HUM</category>
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	<item>
		<title><![CDATA[ACE Limited Q3 2007 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-13071_23-232634.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator  Ladies and gentlemen our question and answer session is conducted electronically. [Operator Instructions]. We will go first to Josh Smith with CREF.   Josh Smith - TIAA-CREF  Hello, can you hear me?   Evan G. Greenberg - Chairman and Chief Executive Officer...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Wed, 24 Oct 2007 12:01:56 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
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	</item>
	<item>
		<title><![CDATA[Comparing Your Milk Checks]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=107574]]></link>
		<description><![CDATA[This is the fifth year we have conducted the analyses of producer milk checks. The purpose of this project has been to better help producers understand their own milk checks and how they might compare their checks with other producers. From the year 2000 through 2004, August milk check premiums...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 10 Nov 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/cornell+university.html"><![CDATA[Cornell University]]></category>
		<category domain="http://resources.bnet.com/topic/y2k.html"><![CDATA[Y2K]]></category>
	</item>
	<item>
		<title><![CDATA[Price Premiums From the Oklahoma Quality Beef Network]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=118624]]></link>
		<description><![CDATA[The Oklahoma Quality Beef Network OQBN a process verification and certification program for preconditioning calves. Preconditioning calves at weaning, improve calves' immune system, and boost performance in post-weaning production phases stocker production and cattle feeding and carcass performance higher grading carcasses with fewer defects. This fact sheet discusses price premiums...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 01 Nov 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/performance.html"><![CDATA[Performance]]></category>
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		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/preconditioning.html"><![CDATA[Preconditioning]]></category>
		<category domain="http://resources.bnet.com/topic/performance+management.html"><![CDATA[Performance Management]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/workforce+management.html"><![CDATA[Workforce Management]]></category>
	</item>
	<item>
		<title><![CDATA[How To Discount Cashflows With Time-Varying Expected Returns]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=70181]]></link>
		<description><![CDATA[While many studies document that the market risk premium is predictable and that betas are not constant, the dividend discount model ignores time-varying risk premiums and betas. A model is developed to consistently value cashflows with changing risk-free rates, predictable risk premiums and conditional betas in the context of a...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Oct 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/valuation.html"><![CDATA[Valuation]]></category>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Inflation in premiums]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=54207]]></link>
		<description><![CDATA[Premiums for what the institute calls "multiple-peril" coverage -- hurricanes, tornados and other weather-related disasters -- increased an average of 6.25% a year over the same period, the report says. To understand why premiums increase, it's important to understand an insurer's reliance on its loss ratio. Loss ratio is the...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 08 Sep 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/inflation.html"><![CDATA[Inflation]]></category>
		<category domain="http://resources.bnet.com/topic/loss+ratio.html"><![CDATA[Loss Ratio]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/currency+%2526+foreign+exchange.html"><![CDATA[Currency & Foreign Exchange]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Uniqueness of the Fair Premium for Equity-Linked Life Insurance Contracts]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=105752]]></link>
		<description><![CDATA[This paper analyzes a contract with periodic premium payments. At each premium date the insurance company invests a certain fraction of the premium in a specific mutual fund. The guaranteed amount will be a function of time and the periodic premium. The bonus has similarities to an Asian option with...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 17 Jul 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/university+of+bonn.html"><![CDATA[University Of Bonn]]></category>
		<category domain="http://resources.bnet.com/topic/mutual+funds.html"><![CDATA[Mutual Funds]]></category>
		<category domain="http://resources.bnet.com/topic/retirement+plans.html"><![CDATA[Retirement Plans]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
	</item>
	<item>
		<title><![CDATA[Forecasting Ability of the Fama and French Three-Factor Model - Implications for Capital Budgeting]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=71253]]></link>
		<description><![CDATA[In this white paper the model-based estimation of the cost of capital, the common practice uses the average historical factor premiums as a proxy for the estimated factor premiums. But evidence shows that the common practice generates very inaccurate estimates. The article proposed an alternative way to estimate factor premiums...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 01 Jul 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/budgeting.html"><![CDATA[Budgeting]]></category>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/model.html"><![CDATA[Model]]></category>
		<category domain="http://resources.bnet.com/topic/west+virginia+university.html"><![CDATA[West Virginia University]]></category>
		<category domain="http://resources.bnet.com/topic/forecasting.html"><![CDATA[Forecasting]]></category>
		<category domain="http://resources.bnet.com/topic/sales+force+management.html"><![CDATA[Sales Force Management]]></category>
		<category domain="http://resources.bnet.com/topic/performance+management.html"><![CDATA[Performance Management]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/sales.html"><![CDATA[Sales]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/workforce+management.html"><![CDATA[Workforce Management]]></category>
	</item>
	<item>
		<title><![CDATA[The 13 Best Times To Use Advertising Specialties & Premiums And Some Other Ideas]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=61789]]></link>
		<description><![CDATA[In the article, the first seven points concentrate on specific target market tools. It is this very description of "target" that gives ad specialties and premiums their place in the mix. Specialties and premiums can be passive, or active, or both. They will make an impression and will support what...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/advertisement.html"><![CDATA[Advertisement]]></category>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/rockingham%252ajutkins%252amarketing.html"><![CDATA[ROCKINGHAM*JUTKINS*marketing]]></category>
	</item>
	<item>
		<title><![CDATA[How to Use Advertising Specialties and Premiums in Direct Marketing]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=61855]]></link>
		<description><![CDATA[The article says that incentives work. They work to get results to ones direct mail, space ad, exhibit stand at a trade show, off a television commercial - in the hands of ones sales reps. Advertising specialties have some characteristics like: They are useful ideas for the office or home,...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/advertisement.html"><![CDATA[Advertisement]]></category>
		<category domain="http://resources.bnet.com/topic/direct+marketing.html"><![CDATA[Direct Marketing]]></category>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/premiums.html"><![CDATA[Premiums]]></category>
	</item>
	<item>
		<title><![CDATA[How To Make Direct Mail Premiums Work For You]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=62784]]></link>
		<description><![CDATA[Testing premiums can change the package's offer so the return on investment can be immense. When used intelligently, there should be no stigma associated with premiums. What premium should the organization test first? It is still hard to beat the hand-held calculator but one has to test and see what...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/direct+mail.html"><![CDATA[Direct Mail]]></category>
		<category domain="http://resources.bnet.com/topic/acculeads.html"><![CDATA[AccuLeads]]></category>
	</item>
	<item>
		<title><![CDATA[The Risk and Return from Factors]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=68702]]></link>
		<description><![CDATA[The ability to identify which factors best capture systematic return covariation is central to applications of multifactor pricing models. This paper uses a common data set to evaluate the performance of various proposed factors in capturing return comovements. Factors associated with the market, size, past return, book-to-market and dividend yield...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/national+bureau+of+economic+research.html"><![CDATA[National Bureau Of Economic Research]]></category>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/pricing.html"><![CDATA[Pricing]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
	</item>
	<item>
		<title><![CDATA[The Death Of The Risk Premium : Consequences Of The 1990’s]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=73824]]></link>
		<description><![CDATA[One of the most striking developments of the 1990's is the evaporation of the forward-looking risk premium for stocks, measured relative to bonds. This development is new enough that it is not yet widely accepted as fact. Whether fact or mere hypothesis, it is useful to consider the implications of...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/asset.html"><![CDATA[Asset]]></category>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/first+quadrant.html"><![CDATA[First Quadrant]]></category>
		<category domain="http://resources.bnet.com/topic/asset+management.html"><![CDATA[Asset Management]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/operational+planning.html"><![CDATA[Operational Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Estimates of the Term Premium on Near-dated Federal Funds Futures Contracts]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=74588]]></link>
		<description><![CDATA[This paper examines estimates of the term premium on federal funds futures rates, with a focus on near-dated contracts and therefore the more immediate policy horizon. The first set of methods assumes that the term premium is constant over time. Under this framework, calculations that use survey data to proxy...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+governance.html"><![CDATA[Corporate Governance]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+law.html"><![CDATA[Corporate Law]]></category>
		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
	</item>
	<item>
		<title><![CDATA[Directly Measuring Early Exercise Premiums Using American and European S&P 500 Index Options]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=75158]]></link>
		<description><![CDATA[The Chicago Board Options Exchange concurrently listed European-style and American style options on the Standard and Poor's 500 Index from April 2, 1986 through June 20, 1986. This unique time allows for a direct measurement of the early-exercise premium in American-style index options. In this study, using ask quotes, we...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 27 Jul 2002 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/arbitrage.html"><![CDATA[Arbitrage]]></category>
		<category domain="http://resources.bnet.com/topic/premium.html"><![CDATA[Premium]]></category>
		<category domain="http://resources.bnet.com/topic/federal+reserve+bank+of+st.+louis.html"><![CDATA[Federal Reserve Bank Of St. Louis]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
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