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This book examines how people respond to, experience and think about risk. The authors stress the need to take into account the cultural dimensions of risk and risk-taking and consider the influence that gender, social class, ethnicity, sexual orientation, occupation, geographical location and nationality have on our perceptions of risk
Each of us is, to some extent or other, a reflection of the experiences of our lives. However, whether and how we succeed is determined at least in part by how we cope with those experiences and what we learn from them. This is the story of a man who, despite a difficult family life and professional setbacks, developed the determination, drive and skills to create a successful business and happy life. Geoff’s skills and self-motivation gave him the drive, determination and tenacity to continue a journey through hardship to reach self-fulfillment and, ultimately, success. His book describes the life journey of a young man’s heart and his desire to turn his dreams and vision into a business success. Freedom After The Sharks shows how, even in a declining economy, a business can survive and even succeed. It covers some real-life experiences and offers some suggestions for dealing with problems and issues. It provides a guide to finding your way in the business world. The book is suitable for entrepreneurs who might not be sure of the path to take or who want to benefit from other people’s mistakes and failures. Other audiences include middle management or junior executives who are looking for a fascinating life story of courage, drive and inspiration, as well as graduates and college students, who will find information that will help prepare them for their careers.
The aim of the book is to provide an overview of risk management in life insurance companies. The focus is twofold: (1) to provide a broad view of the different topics needed for risk management and (2) to provide the necessary tools and techniques to concretely apply them in practice. Much emphasis has been put into the presentation of the book so that it presents the theory in a simple but sound manner. The first chapters deal with valuation concepts which are defined and analysed, the emphasis is on understanding the risks in corresponding assets and liabilities such as bonds, shares and also insurance liabilities. In the following chapters risk appetite and key insurance processes and their risks are presented and analysed. This more general treatment is followed by chapters describing asset risks, insurance risks and operational risks - the application of models and reporting of the corresponding risks is central. Next, the risks of insurance companies and of special insurance products are looked at. The aim is to show the intrinsic risks in some particular products and the way they can be analysed. The book finishes with emerging risks and risk management from a regulatory point of view, the standard model of Solvency II and the Swiss Solvency Test are analysed and explained. The book has several mathematical appendices which deal with the basic mathematical tools, e.g. probability theory, stochastic processes, Markov chains and a stochastic life insurance model based on Markov chains. Moreover, the appendices look at the mathematical formulation of abstract valuation concepts such as replicating portfolios, state space deflators, arbitrage free pricing and the valuation of unit linked products with guarantees. The various concepts in the book are supported by tables and figures.
We must take risks if we are to grow personally and professionally. Risks are a part of a fully-lived life. But in the commotion of today's fast-paced, technology-driven world, people have become disconnected from the wise counsel of their inner resources, hampering their ability to make meaningful choices. Consequently, risks are increasingly being taken in an impulsive, haphazard, and often reckless way. In Right Risk, Bill Treasurer draws on the experiences and insights of successful risk-takers (including his own experiences as a daredevil high diver) to detail ten principles that readers can use to take risks with greater intelligence and confidence. Right Risk is about taking more deliberate and intentional risks in an increasingly complex world. It aims to answer such questions as: How do I know which risks to take and which to avoid? How do I balance the need to take more risks with the need to preserve my safety? How do I muster up the courage to take risks when it is so much easier not to? How do I confront all those people who keep telling me what a mistake it would be to take the risk? And, most importantly, How do I make risk-taking less of an anxiety-provoking experience? Right Risk will help readers take risks with greater discipline, focus, and maturity-to confidently face life's challenges and take advantage of life's opportunities.
The research project leading to this book was initiated in the fall of 1979 when the American Council of Life Insurance (ACLI) contacted Dan McGill, chairman of the Wharton School Insurance Department, about conducting a study on risk classification in life insurance. The ACLI was concerned about legislative and judicial activity in this area and its potential effects on the life insurance industry. A meeting was held at the ACLI offices in Washington, D.C., between several members of the ACLI staff and Dan McGill and David Cummins representing the Wharton School insurance department. An agreement was reached that a study would be conducted at Wharton dealing with issues in risk classification. Although the staff of the ACLI suggested directions the study might take, it was agreed that the design and execution of the study would be solely under the control of the researchers. The researchers also retained unrestricted publication rights in the results of the study. This agreement has been honored by the ACLI during the course of the project.
In Even the Odds, Karen Firestone explains how risk assessment plays a prominent role in all aspects of life. We may all define risk, and our tolerance for it, somewhat differently, but we might all agree it plays a pivotal role in guiding us toward an optimal outcome. As a long-time investment advisor, Firestone has grown accustomed to interpreting risk on a daily basis. She has developed four core tenets of risk-taking we can all apply to anticipating, evaluating, and responding to the risks we face in our business, investing, and personal lives. These tenets are right-sizing; right-timing; relying on skill, knowledge, and experience; and staying skeptical about numbers, promises, and forecasts. Firestone's approach is both practical and accessible to individuals who are making important decisions, such as embarking on new career or life changes, starting or running an enterprise, making a sizable investment, or deciding how to balance across a full portfolio of assets. The book is rich with anecdotes and examples of how many prominent leaders in their fields encountered and dealt with risk along the way. Firestone also shares her own successes and failures, in particular when she decided to risk it all--a fabulous career managing billions of dollars at a premium investment company, her reputation, and the security at home that comes with a strong and stable job--to go out on her own. Even the Odds helps us understand the broader implications of risk--and how it guides our decision-making--so that we can improve outcomes across multiple facets of our lives, from our businesses and investments, to the personal choices we make.
The media constantly bombard us with news of health hazards lurking in our everyday lives, but many of these hazards turn out to have been greatly overblown. According to author and epidemiologist Geoffrey C. Kabat, this hyping of low-level environmental hazards leads to needless anxiety and confusion on the part of the public concerning which exposures have important effects on health and which are likely to have minimal or no effect. Kabat approaches health scares as "social facts" and shows that a variety of factors can contribute to the inflating of a hazard. These include skewed reporting by the media, but also, surprisingly, the actions of researchers who may emphasize certain findings while ignoring others; regulatory and health agencies eager to show their responsiveness to the health concerns of the public; and politicians and advocates with a stake in a particular outcome. By means of four case studies, Kabat demonstrates how a powerful confluence of interests can lead to overstating or distorting the scientific evidence. He considers the health risks of pollutants such as DDT as a cause of breast cancer, electromagnetic fields from power lines, radon within residences, and secondhand tobacco smoke. Tracing the trajectory of each of these hazards from its initial emergence to the present, Kabat shows how publication of more rigorous studies and critical assessments ultimately help put hazards in perspective.
This book offers hope for those struggling with a changed life after brain injury. Long-term survivor Carole Starr offers gentle encouragement, hard-won wisdom and numerous strategies that survivors, caregivers and professionals can use. ¿To Root & To Rise¿ is more than a book; it¿s also a workbook. The questions in each chapter allow readers to take Carole¿s strategies and apply them to their own experience. These questions can be answered on one¿s own, with family members, with rehabilitation professionals, or with a brain injury support group. This book is a powerful resource you¿ll refer to again and again.
It is now sociological common sense to declare that, in everyday life, large numbers of people approach matters of work, family life, trust and friendship with 'risk' constantly in mind. This book, provides an introductory overview and critical assessment of this phenomenon. Iain Wilkinson outlines contrasting sociological theories of risk, and summarizes some of the principle discoveries of empirical research conducted into the ways people perceive, experience and respond to a world of danger. He also examines some of the moral concerns and political interests that feature in this area of study. Designed to equip readers not only with the sociological means to debate the human consequences of our contemporary culture of risk, but also, with the critical resources to evaluate the significance this holds for current sociology, this book provides a perfectly pitched undergraduate introduction to the topic.