The Affordable Health Care Act of (2010) is in the early stage of implementation as of late 2013. Commonly referred to as OBAMACARE, the health care program is designed to encourage millions of taxpayers and citizens to purchase some form of medical insurance coverage for each person including family members.

A guide to health insurance and the Affordable Care Act for consumers. This book describes the health reform provisions of the Affordable Care Act, including essential health benefits, the health care exchanges, and premium subsidies available for certain individuals. The book also describes the main features of health insurance plans in the U.S., including characteristics of health maintenance organizations (HMOs) and preferred provider organizations (PPOs), and typical cost-sharing mechanisms, including deductibles, coinsurance and copayments. Practical examples of the operation of deductibles, coinsurance and copayments are provided.

Managing Risk: A Guide for Physicians and Practices is one component of Daktori's Financial Fellowship Program and is approved for up to 7.5 hours of Category I Continuing Medical Education (CME) credits in all states for all specialties. The monograph helps physicians avoid liability traps arising from casual events that meet the legal definition of the doctor-patient relationship, contribution to diagnosis, miscommunication with patients and staff, poor layout of the office (especially high risk communication areas), drug therapy dangers, and non-medical liability risks for the practicing physician. Additional sections have been added on HIPAA risks, telemedicine liability and more. Free Daktori newsletter subscription (register at www.daktori.com/contact) and complimentary consultation with one of the authors also included with purchase. If continuing education credit is desired, please see included instructions.

How to Beat Obamacare briefly covers the most important parts of the Patient Protection and Affordable Care Act signed into law in 2010 by President Obama. It gives a framework for making smart choices in the new healthcare environment.

How to Save for Retirement and Use Your Savings TODAY Retirement Planning and Rapid Wealth Creation for the Family will teach you and your Family EXACTLY how to save for retirement. Saving for retirement and knowing how to save for retirement can be one of the most valuable skill sets a family has, and lead family members to a more rewarding life today while investing for tomorrow. The book will show you a straight-forward, logical way to save for retirement. It will show you a way to use that same savings money as though you had never touched it. You will learn how to put together a solid retirement, as well as increase your cash flow in the years leading up to retirement. You will literally get your money working in two different directions at once so that you can live better today while saving for tomorrow. Just by picking up this book and implementing the simple strategy outlined, you could easily save $100,000 to $200,000 over your lifetime if you are currently using credit cards or financing major expenses.

GAO-11-616 - Federal Crisis: Review of Federal Reserve System Financial Assistance to American International Group, Inc. In September 2008, the Board of Governors of the Federal Reserve System (Federal Reserve Board) approved emergency lending to American International Group, Inc. (AIG)--the first in a series of actions that, together with the Department of the Treasury, authorized $182.3 billion in federal aid to assist the company. Federal Reserve System officials said that their goal was to avert a disorderly failure of AIG, which they believed would have posed systemic risk to the financial system. But these actions were controversial, raising questions about government intervention in the private marketplace. This report discusses (1) key decisions to provide aid to AIG; (2) decisions involving the Maiden Lane III (ML III) special purpose vehicle (SPV), which was a central part of providing assistance to the company; (3) the extent to which actions were consistent with relevant law or policy; and (4) lessons learned from the AIG assistance. To address these issues, GAO focused on the initial assistance to AIG and subsequent creation of ML III. GAO examined a large volume of AIG-related documents, primarily from the Federal Reserve System--the Federal Reserve Board and the Federal Reserve Bank of New York (FRBNY)--and conducted a wide range of interviews, including with Federal Reserve System staff, FRBNY advisors, former and current AIG executives, AIG business counterparties, credit rating agencies, potential private financiers, academics, finance experts, state insurance officials, and Securities and Exchange Commission (SEC) officials. Although GAO makes no new recommendations in this report, it reiterates previous recommendations aimed at improving the Federal Reserve System's documentation standards and conflict-of-interest policies. While warning signs of the company's difficulties had begun to appear a year before the Federal Reserve System provided assistance, Federal Reserve System officials said they became acutely aware of AIG's deteriorating condition in September 2008. The Federal Reserve System received information through its financial markets monitoring and ultimately intervened as the possibility of bankruptcy became imminent. Efforts by AIG and the Federal Reserve System to secure private financing failed after the extent of AIG's liquidity needs became clearer. Both the Federal Reserve System and AIG considered bankruptcy issues, although no bankruptcy filing was made. Due to AIG's deteriorating condition in September 2008, the Federal Reserve System said it had little opportunity to consider alternatives before its initial assistance. As AIG's troubles persisted, the company and the Federal Reserve System considered a range of options, including guarantees, accelerated asset sales, and nationalization. According to Federal Reserve System officials, AIG's credit ratings were a critical consideration in the assistance, as downgrades would have further strained AIG's liquidity position. After the initial federal assistance, ML III became a key part of the Federal Reserve System's continuing efforts to stabilize AIG. With ML III, FRBNY loaned funds to an SPV established to buy collateralized debt obligations (CDO) from AIG counterparties that had purchased credit default swaps from AIG to protect the value of those assets. In exchange, the counterparties agreed to terminate the credit default swaps, which were a significant source of AIG's liquidity problems. As the value of the CDO assets, or the condition of AIG itself, declined, AIG was required to provide additional collateral to its counterparties.

The business of reinsurance developed at the fringe of financial services and, for most of its existence, went largely unnoticed outside the expert community. More recently, both public and professional sensitivity towards managing risks has increased and reinsurers have emerged as authorities on global threats such as climate change and natural catastrophes. This is the first book to provide a comprehensive historical description of this industry. It traces the global development of reinsurance from the early 19th century until today. As such it gives a detailed account of how the nature of risk itself changed over the last 200 years. It highlights all aspects relevant in shaping the industry from the development of risk, risk engineering and risk management, actuarial science, the financial and monetary environment, market conditions, impacts of politics, the effects of regulatory changes, to large risks and natural catastrophes. A comprehensive introduction by the editors highlights the different challenges and approaches to managing risk from a reinsurance perspective such as mathematical, financial, legal, and contractual developments, as well as the changing business models adopted. All of these are dealt with in further detail by ten contributing authors.