Time is money is the phrase we hear, but time is your health. Busy people have a difficult time balancing work, family and fitness. We tend to dedicate so much to our career and to others that we often times don't focus on our own health. This book is a guide for the busy person. It is written in an easy read/ quick read format and is full of great tips and tactics to get fit and healthy when your lifestyle is full of travel, hotels, office time, and a busy household. Master Troy takes a difficult concern that we all have and gives us simple resources to solve our health and fitness issues. This book is full of wonderful comments and tips from many professionals on how they handle fitness with their busy life, and also features great resources to save you time and get you fit and healthy. This resource is designed for you, by people just like you who don't have a lot of "Extra" time in their day.

Running an insurance agency requires many skills. Questions arise such as "How do I hire the right people that complement my operation? How can I streamline my agency so that we maximize the potential of every person in the agency? How do I market and brand my agency?" These are only a few of the questions that every business owner must answer in order to run an efficient agency. This book covers the business aspect of running an agency, maximizing profit, and improving customer service. Whether you are new to the industry or have been an agent for decades, this book will evoke thought-provoking perspectives and vision that will make a positive impact on your agency operation.

The federal crop insurance program began in 1938 when Congress authorized the Federal Crop Insurance Corporation. The current program, which is administered by the U.S. Department of Agriculture's Risk Management Agency (RMA), provides producers with risk management tools to address crop yield and/or revenue losses for about 130 crops. The federal farm safety net also includes the farm commodity support programs, which provide price and income support for a much narrower list of "covered and loan commodities" such as corn, wheat, rice, and peanuts. In purchasing a crop insurance policy, a producer growing an insurable crop selects a level of coverage and pays a portion of the premium -- or none of it in the case of catastrophic coverage -- which increases as the level of coverage rises. The federal government pays the rest of the premium. This book provides a primer on the federal crop insurance program and briefly summarises changes to the program by the 2014 farm bill.

Nonfinancial Defined Contribution (NDC) schemes are now in their teens. The new pension concept was born in the early 1990s, implemented from the mid-1990s in Italy, Latvia, Poland and Sweden, legislated most recently in Norway and Egypt and serves as inspiration for other reform countries. This innovative unfunded individual account scheme created high hopes at a time when the world seemed to have been locked into a stalemate between piecemeal reforms of ailing traditional defined benefit schemes and introducing pre-funded financial account schemes. The experiences and conceptual issues of NDC in its childhood were reviewed in a prior anthology (Holzmann and Palmer, 2006). This new anthology published in 2 volumes serves to review its adolescence and with the aim of contributing to a successful adulthood. Volume 1 on Lessons, Issues, Implementation includes a detailed analysis of the experience and the key policy lessons in the old and new pilot countries and general thoughts around the implementation of NDCs in other countries, including Chile, Greece and China. Volume 2 on Gender, Politics, Financial Stability includes deeper and new analyses of these issues that found limited or no attention in the 2006 publication. The key policy conclusions include: (i) NDC schemes work well (as documented by the experience of Italy, Latvia, Poland and Sweden during the crisis) but there is room to make them work even better; (ii) Go for an immediate transition to the new scheme to avoid future problems; (iii) Identify the legacy costs and their explicit financing during the transition as they will hit you otherwise soon; (iv) Adopt an explicit stabilizing mechanism to guarantee solvency; (v) Establish a reserve fund to guarantee liquidity; (vi) Elaborate an explicit mechanism to share the systemic longevity risk; and, last but not least; (vii) Address the gender implications of NDC with deeper analysis and open political discourse.

This policy note provides an initial assessment of Libya's labor market and discusses policy options for promoting employability as part of a broader jobs strategy. It is intended as a contribution to evidence on Libya's labor market for the benefit of policy makers, civil society and the broader international community.

"Insurance is often confused with risk management, yet it simply finances part of the risk with another entity, i.e. the insurance company. In reality, it is up to the organization's executive team to proactively manage risks." - Ed Kempkey You don't need a full time risk manager to gain the benefits these best practices offer. Balancing Risk exposes five myths that often prevent organizations from implementing risk management programs, and provides straightforward concepts and metholodologies upon which to build your plan. The step-by-step process includes examples you can follow as well as a simple system to easily document and measure your success. - Increase operational effectiveness and efficiency - Enhance the identification of opportunities and threats - Establish a reliable basis for decision making and planning - Improve stakeholder confidence and trust

"Wir sichern Generationen." heisst es im OEffentlichkeitsauftritt der Deutschen Rentenversicherung. Doch was heisst die gesetzliche Rentenabsicherung, fur die rund 81 Millionen Burger in Deutschland heute und vor allem in 20, 30 oder gar 50 Jahren? Bei vielen Burgern bildet die Deutsche Rentenversicherung (DRV) und deren gesetzlichen Leistungen eine feste Planungsgroesse. Der Versicherte erhalt Schutz - ob bei Erwerbsminderung oder im Alter. Fur viele Hinterbliebene entsteht ein zusatzlicher finanzieller Anker. Mit der Einfuhrung des Alterseinkunftegesetzes im Jahre 2005 wurde die steuerliche Betrachtungsweise der gesetzlichen Rentenversicherung neu geregelt. Auf Grundlage derer, entstand das Drei-Schichten-Modell. Das vorliegende Buch betrachtet die Erwerbsphase und auch die Rentenphase, mit zahlreichen Praxisbeispielen, innerhalb der gesetzlichen Vorsorgeschicht I - der Basisversorgung. Was das fur die Beitragsaufwendungen und die daraus resultierenden gesetzlichen Rentenleistungen bedeutet und warum die gesetzliche Rentenversicherung Grundlage fur viele Beratungen ist und bleibt, zeigt Ihnen das vorliegende Werk. Das Buch richtet sich dabei sowohl an Berater der Finanzbranche, als auch alle Interessierten, die tiefer in die Materie der Deutschen Rentenversicherung einsteigen moechten. Es bringt Klarheit in teils nebuloese Sachverhalte und verspricht anwendbare Antworten aus der Praxis. Der Leser erhalt ein verlassliches Kompendium, das umfassende und praktische Informationen bereithalt. Bringen Sie Licht ins Dunkel und beantworten Sie Ihre und komplexe Fragestellungen von Kunden souveran. Nutzen Sie den Mehrwert an Kompetenz und entdecken Sie neue Moeglichkeiten durch eine AEnderung der Perspektive. Die neuen Regelungen ab Juli 2014 (Mutterente, Rente ab 63 etc.) werden dabei berucksichtigt.

Traditionally, organizational risk managers focused on cost containment, aiming to attain the highest level of protection at the lowest possible cost. More recently, the growing embrace of enterprise risk management is prompting organizations to look at risk management as a source of value creation and competitive advantage. The leading enterprise risk management (ERM) frameworks - ISO 31000 and COSO - present compelling rationale but leave the "how-to" operational questions largely unanswered. Building on the idea of "risk profiling," Banasiewicz presents his vision for how the promise of ERM can be turned into an operational reality by thoughtfully leveraging quantitative & qualitative, numeric & text data. He outlines a step-by-step process for transforming readily available and informationally-rich, though not always well-utilized data into objective estimates of downside and upside risks. The overall focus of Risk Profiling of Organizations is on showing how otherwise diverse organizational exposures can be looked at as different parts of a single whole.

In general, insurance is a highly regulated financial product. Every state requires licenses for insurance companies, and most states closely regulate both company conduct and the details of the particular insurance products sold in the state. This regulation is usually seen as important for consumer protection; however, it also creates barriers to entry in the insurance market and typically reduces to some degree the supply of insurance that is available to consumers. Rather than requiring consumers who may be unable to find insurance from a licensed insurer to simply go without insurance, states have allowed consumers to purchase insurance from non-licensed insurers, commonly called non-admitted or surplus lines insurers. Although any sort of insurance could be sold by a surplus lines insurer, most such transactions tend to be for rarer and more exceptional property and casualty risks, such as art and antiques, hazardous materials, natural disasters, amusement parks, and environmental or pollution risks. This book discusses surplus lines insurance, and property and casualty insurance.

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.