Risk management has become a key factor of successful organizations. Despite risk management's importance, outdated and inappropriate ideas about how to manage risk dominate. This book challenges existing paradigms of risk management and provides readers with new concepts and tools for the current dynamic risk management environment. The framework for the book is a series of questions that allows for an interesting and thought-provoking look at current ideas and forward-looking concepts. This book, intended for senior managers, directors, risk managers, students of risk management, and all others who need to be concerned about risk management and strategy, provides a solid base for not only understanding current best practice in risk management, but also the conceptual tools for exploiting emerging risk management technologies, metrics, regulations, and ideas. The central thesis is that risk management is a value-adding activity that all types of organizations, public, private as well as not-for-profit, can use for competitive advantage and maximum effectiveness.

Confused, Bewildered, Perplexed and Unsure about your Health Insurance Options?

Includes the New Health Insurance Marketplaces

Looking for a resource guide that helps you navigate the maze of health care choices available to you? Want a clear and concise book which answers all your questions? It's not the answers you already know, it's the questions you don't even know to ask Questions you might be thinking about? What does the Affordable Care Act change? What are the Health Insurance Marketplaces? What does Bronze, Silver, Gold and Platinum mean? Am I eligible for premium tax credits or cost-sharing reductions? Should I contribute to an FSA? What are the penalties for not enrolling for health insurance? What is concierge medicine? How do I contribute to an HSA? What are the costs for original Medicare? What's the difference between a Med Supp plan and a Medicare Advantage plan? What's a Medigap plan? Are there tax credits for small business owners? What's a donut hole? What is the MIB? What options do I have for long-term care? Can I qualify for Medicaid?

Click the book cover to "Look Inside" to read the first 10% of the book free. Who might benefit from the information and tools contained in this book? You're going to be turning age 65 in 2014. You're a small business owner figuring out if you can offer health insurance to your employees. You want a comprehensive resource guide covering the new Health Insurance Marketplaces and the plans offered. You're a healthcare professional who wants to learn more about the choices consumers have for their healthcare needs. Retirement Planning and Medicare

Healthcare expenses can torpedo your retirement savings if these costs are not properly taken into account. Thinking that portfolio returns will exceed your potential health care expenses should extensive medical care be needed is ignoring financial market reality. Additional information is included covering: Cost of Health Care Disability Income Insurance Choices for Long-Term Care Medicaid The Future of Health Care