This text focuses on insurance as a tool for addressing risk, as opposed to government benefit programs or involuntary liability using the court system. It examines the public policy and economic nature of insurance, the insurability of risks and applies this to three environmental examples.

This work examines the integenerational transfers that can be expected from a shift to community rating under a mandatory health insurance purchase requirement. The analysis applies to proposals that would limit the adjusting of insurance premiums to account for different risks associated with age.

Now updated to reflect the changing environment of business finance, this book includes new material on life insurance, life annuities and more. Students learn how to master effective problem-solving techniques with 1,224 practice problems and questions. The large number and variety of practical applications offer a feel for how to conduct business and financial transactions in the real world. Finally, review problems offer the opportunity for more study or self-testing.

Publisher's Note: Products purchased from Third Party sellers are not guaranteed by the publisher for quality, authenticity, or access to any online entitlements included with the product. Protect your business from all types of risks--insure your projects with advice from the experts Here you'll find the answers to your questions about insurance, bonding, and risk management for all of your construction projects. This much-needed book helps you assess your requirements for insurance coverage, evaluate policies, find the fairest rates, obtain bonding, and manage risks professionally and confidently. Written by the foremsot experts at Ernst & Young LLP and Willis Corroon Construction, this authoritative guide gives you the information and methods you need to simplify and systematize your project insurance bonding, and risk management issues, and protect your business from all types of liabilities: You'll learn how to: establish your requirements for various types of insurance; determine how to get the insurance you need at the best rate; read and evaluate insurance contracts; secure bonds for both contractors and subcontractors; obtain workers compensation coverage; evaluate environmental issues; understand the role of sureties in litigation. Construction contractors and subcontractors, CPAs, law firms, and insurance and bonding agents will all welcome this comprehensive guide and the authoritative help it gives in ensuring successful outcomes for construction projects of every kind.

Between 1987 and 1991, the portion of Americans covered by individually purchased health insurance dropped 40per cent. Assuming the US will continue to rely on private financing for health care, the author clarifies benefits to society from an efficient health insurance market.

This title is part of UC Press's Voices Revived program, which commemorates University of California Press's mission to seek out and cultivate the brightest minds and give them voice, reach, and impact. Drawing on a backlist dating to 1893, Voices Revived makes high-quality, peer-reviewed scholarship accessible once again using print-on-demand technology. This title was originally published in 1985.

This text analyses the effects on insurance markets and consumers, of proposals to require community rating in all health plans.

Complete profiles of today's most successful annuities... Expert tips on how to maximize your returns...

Variable annuities now outpace mutual funds as the number one choice among street-smart investors—and it's easy to see why. Tax-deferred, commission-free, easy to purchase and redeem, carrying less risk than most other instruments, and exhibiting a superb overall performance, they are an indispensable addition to any low-risk, high-yield portfolio. Now, in the first book of its kind, financial planning expert Gordon Williamson demystifies annuities investing. Writing in a straightforward, down-to-earth style, he:

• Clearly explains how annuities work, profiles their return potential, and frankly assesses their relative advantages and disadvantages
• Steers you to the 100 best annuities for your investment dollar
• Emphasizes risk reduction without sacrificing returns
• Supplies complete annuity profiles, including average annual returns over the past 3, 5, and 10 years
• Ranks and evaluates today's entire spectrum of annuity products—aggressive growth/small cap, international, growth and income, balanced, money market, and more
• Pinpoints the best performing variable annuities
• Includes investment options within each annuity recommended

The word is out: variable annuities are one of the best investment instruments developed in this century. Now find out how you can take full advantage of their unprecedented earning potential with The 100 Best Annuities You Can Buy.

This book puts an end to unnecessary consumer spending by telling how to lower automobile insurance premiums, choose a good HMO or PPO health plan, reduce homeowner's insurance premiums, determine the amount of life insurance really needed, and more.

At the turn of the century, the North Carolina Mutual Life Insurance Company became the "world's largest Negro business." Located in Durham, North Carolina, which was known as the "Black Wall Street of America," this business came to symbolize the ideas of racial progress, self-help, and solidarity in America. Walter B. Weare's social and intellectual history, originally published in 1973 (University of Illinois Press) and updated here to include a new introduction, still stands as the definitive history of black business in the New South. Drawing on a wide range of sources--including personal papers of the company's leaders and oral history interviews--Weare traces the company's story from its ideological roots in the eighteenth century to its economic success in the twentieth century.

Die vorliegende Ausarbeitung zeigt konzeptionelle Grundlagen des Liquiditatsmanagements auf und stellt die Operationalisierung dieser UEberlegungen in fuhrenden deutschen Industrie- und Handelsunternehmen dar. Dies wird erganzt um Beispiele aus der externen Berichterstattung uber Liquiditat und Liquiditatsrisiken. Ausserdem wird ein UEberblick uber die Berucksichtigung von Liquiditat in den Beurteilungen der Analysten und Ratingagenturen sowie uber Untersuchungen zur Bewertung von Liquiditat an den Kapitalmarkten durch Eigen- und Fremdkapitalgeber gegeben.

Katharina Leest widmet sich der Aufrechterhaltung der Nachfrage nach Events in Zeiten einer immer naher kommenden terroristischen Bedrohung. Die Autorin entwickelt einen praxisnahen Katalog von allgemeingultigen Handlungsempfehlungen, welcher Loesungsansatze fur die Einflussnahme auf die durch den Terrorismus induzierten negativen Nachfrageffekte aufzeigt. Die stetig steigende Erlebnisorientierung steht in unmittelbarem Konflikt mit dem evolutionaren Sicherheitsbedurfnis. Die Realisierung eines zielgruppenspezifischen Gleichgewichts zwischen Sicherheit, Freiheit und Wirtschaftlichkeit ruckt in den Fokus.

Die Autoren zeigen in diesem essential auf, wie ein internes Kontrollsystem (IKS) insbesondere in kleinen und mittelgrossen Unternehmen einen wichtigen Beitrag zur finanziellen Fuhrung leisten kann. Zahlreiche konkrete Beispiele und Loesungsansatze aus der Praxis erlautern, wie sich ein IKS pragmatisch und nutzenstiftend umsetzen lasst. Im Finanzbereich ist es ein unverzichtbares Element guter Unternehmensfuhrung - unabhangig von der gesetzlichen Situation. Ein angemessen ausgestaltetes IKS stellt ein effektives Steuerungssystem dar, das eine effiziente operative Planung und Fuhrung des Finanzbereichs unterstutzt. Es leistet u. a. einen wichtigen Beitrag zur Steuerung und Kontrolle der Liquiditat, zur Effizienzsteigerung finanzieller Prozesse und letztlich zu einem nachhaltigen Unternehmenswachstum.

Climate change impacts-more heat, drought, extreme rainfall, and stronger storms-have already harmed communities around the globe. Even if the world could cut its carbon emissions to zero tomorrow, further significant global climate change is now inevitable. Although we cannot tell with certainty how much average global temperatures will rise, we do know that the warming we have experienced to date has caused significant losses, and that the failure to prepare for the consequences of further warming may prove to be staggering. Building a Resilient Tomorrow does not dwell on overhyped descriptions of apocalyptic climate scenarios, nor does it travel down well-trodden paths surrounding the politics of reducing carbon emissions. Instead, it starts with two central facts: climate impacts will continue to occur, and we can make changes now to mitigate their effects. While squarely confronting the scale of the risks we face, this pragmatic guide focuses on solutions-some gradual and some more revolutionary-currently being deployed around the globe. Each chapter presents a thematic lesson for decision-makers and engaged citizens to consider, outlining replicable successes and identifying provocative recommendations to strengthen climate resilience. Between animated discussions of ideas as wide-ranging as managed retreat from coastal hot-zones to biological approaches for resurgent climate-related disease threats, Alice Hill and Leonardo Martinez-Diaz draw on their personal experiences as senior officials in the Obama Administration to tell behind-the-scenes stories of what it really takes to advance progress on these issues. The narrative is dotted with tales of on-the-ground citizenry, from small-town mayors and bankers to generals and engineers, who are chipping away at financial disincentives and bureaucratic hurdles to prepare for life on a warmer planet. For readers exhausted by today's paralyzing debates on yearly "fluke" storms or the existence of climate change, Building a Resilient Tomorrow offers better ways to manage the risks in a warming planet, even as we work to limit global temperature rise.

Artificial intelligence, machine learning, natural language processing, robotics, big data and other new technologies are ready to revolutionize the way we look at healthcare. But if we want them to achieve their full potential, we'll need leaders who understand these new tools and who have long-term strategies in place to take advantage of them. This book will help you to become one of those leaders. Predictive Medicine makes artificial intelligence more accessible for healthcare practitioners without shying away from complex topics and controversial subject matter. It's a call-to-action for a new generation of health leaders and a roadmap to help them usher in a brighter future.