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Compendium of Insurance Law

Compendium of Insurance Law
By:Robert Merkin,Johanna Hjalmarsson
Published on 2013-08-22 by CRC Press

The Compendium of Insurance Law consolidates diverse insurance law sources, statutes and codes of practice in one comprehensive volume. Each piece of legislation is supplemented by detailed annotations, which explain the operation and relationship of the legislation with other sources of insurance law. The book is filled with comprehensive coverage of legislation relating to the following areas: regulation, reinsurance, life assurance, property insurance, marine insurance, liability insurance, motor insurance, insurance intermediaries, insurance contracts and competition.

This Book was ranked at 25 by Google Books for keyword Insurance.

Book ID of Compendium of Insurance Law's Books is 7cmAAAAAQBAJ, Book which was written byRobert Merkin,Johanna Hjalmarssonhave ETAG "2a+oBNqDN4I"

Book which was published by CRC Press since 2013-08-22 have ISBNs, ISBN 13 Code is 9781135135539 and ISBN 10 Code is 1135135533

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Official Opinions of the Attorneys General of the State of Ohio (from 1846 to 1904) Advising Public Officers in Relation to Their Official Duties

Official Opinions of the Attorneys General of the State of Ohio (from 1846 to 1904) Advising Public Officers in Relation to Their Official Duties
By:Wade Hampton Ellis
Published on 1905 by

This Book was ranked at 10 by Google Books for keyword Attorney.

Book ID of Official Opinions of the Attorneys General of the State of Ohio (from 1846 to 1904) Advising Public Officers in Relation to Their Official Duties's Books is 1o1KAQAAMAAJ, Book which was written byWade Hampton Ellishave ETAG "v/1nRfKU95Q"

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Credit Booms and Lending Standards

Credit Booms and Lending Standards
By:Giovanni Dell'Ariccia,Deniz Igan,Luc Laeven
Published on 2008 by International Monetary Fund

This paper links the current sub-prime mortgage crisis to a decline in lending standards associated with the rapid expansion of this market. We show that lending standards declined more in areas that experienced larger credit booms and house price increases. We also find that the underlying market structure mattered, with entry of new, large lenders triggering declines in lending standards by incumbent banks. Finally, lending standards declined more in areas with higher mortgage securitization rates. The results are consistent with theoretical predictions from recent financial accelerator models based on asymmetric information, and shed light on the relationship between credit booms and financial instability.

This Book was ranked at 3 by Google Books for keyword Mortgage.

Book ID of Credit Booms and Lending Standards's Books is yDe6oDCpODkC, Book which was written byGiovanni Dell'Ariccia,Deniz Igan,Luc Laevenhave ETAG "89t3+2A9qnk"

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The MVNHS©, Explained

Succinct:

[click to embiggen]

Long live the Much Vaunted National Health Service©.

(SWIDT?)

Going Tradigital

Going Tradigital
By:Nadeem Damani,Angela Johnson
Published on 2013-06 by

Do you ever wonder if there is a way to use Social Media to increase sales or improve retention? Is your network exploding with new contacts every day? If not, maybe it's time for you to chalk out a solid online marketing strategy for your insurance agency. When you are a Tradigital agent, you can: -increase prospecting and opportunities for sales -increase customer service -improve retention and cross sales -gain referrals -humanize your agency brand In Going Tradigital, you will discover the best practices from two top insurance agents who have discovered the power of combining traditional marketing techniques with the latest in digital marketing methods. Your insurance agency can become more profitable and experience exponential growth on social media. Go tradigital. May your agency never be the same again!

This Book was ranked at 33 by Google Books for keyword Insurance.

Book ID of Going Tradigital's Books is TP8PnQEACAAJ, Book which was written byNadeem Damani,Angela Johnsonhave ETAG "REGoIGeOLx8"

Book which was published by since 2013-06 have ISBNs, ISBN 13 Code is 9780989348607 and ISBN 10 Code is 0989348601

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Hurricane Dorian Heads' Up [Updated]

From our friends at Lexis-Nexis:

"Homeowners insurance: 7 things to know about what hurricane-related damage is covered"

These include special deductibles (typically found in policies issued in hurricane-prone locales) and exclusions like water damage (which is where flood insurance can come in handy)

Don't assume, and if you have any questions make sure to call your agent. We're here to help.

UPDATE:

PSA: Florida Residents Reminded Not To Open Fire on #HurricaneDorian pic.twitter.com/HenIFJSr0e
— Breaking911 (@Breaking911) August 29, 2019

(No nukes, either)

Global Resource Sharing

Global Resource Sharing
By:Linda Frederiksen,Margaret Bean,Heidi Nance
Published on 2011-11-09 by Elsevier

Written from a global perspective, this book reviews sharing of library resources on a global scale. With expanded discovery tools and massive digitization projects, the rich and extensive holdings of the world’s libraries are more visible now than at any time in the past. Advanced communication and transmission technologies, along with improved international standards, present a means for the sharing of library resources around the globe. Despite these significant improvements, a number of challenges remain. Global Resource Sharing provides librarians and library managers with a comprehensive background in and summary of the issues involved in global resource sharing. Analyses current and future environments for international resource sharing, including past research and discussions Provides an international perspective on a global library issue Includes examples of successful and innovative global resource sharing initiatives

This Book was ranked at 18 by Google Books for keyword Loans.

Book ID of Global Resource Sharing's Books is Z_5DAgAAQBAJ, Book which was written byLinda Frederiksen,Margaret Bean,Heidi Nancehave ETAG "Xj6c3ePM85w"

Book which was published by Elsevier since 2011-11-09 have ISBNs, ISBN 13 Code is 9781780632889 and ISBN 10 Code is 1780632886

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Timeless

Timeless
By:Lucinda Franks
Published on 2014-08-19 by Sarah Crichton Books

|Words by the millions have been printed about you, but none have revealed your real life, your secret life--which is that you belong to me.| In this beautifully rendered literary memoir, Lucinda Franks, a Pulitzer Prize-winning journalist, tells the intimate story of her marriage to Manhattan District Attorney Robert Morgenthau, one of the great men of our time. After Lucinda interviewed Bob for The New York Times in 1973, the two took a while to understand that they had fallen in love. Franks was a self-styled radical who marched with protesters and chained herself to fences. Morgenthau was a famous lawyer, a symbol of the establishment, who could have helped put her in jail. She was twenty-six. He was fifty-three. Now, thirty-six years into a marriage that was never supposed to happen, one between two people as deeply in love as they are different, they are living proof that opposites can forge an unbreakable life bond. In Timeless, Franks offers a confidential tour of their unconventional years together, years that are both hilarious and interlaced with suspense. At the same time, she takes us behind the scenes to reveal the untold stories behind some of Morgenthau's most famous cases, many of which she helped him brainstorm for. A compelling memoir with piercing insights into how a relationship grows and develops over a lifetime, Timeless grants us an enlightening window into one of New York's most famous yet defiant and iconoclastic couples, and the trials and successes of their union.

This Book was ranked at 20 by Google Books for keyword Attorney.

Book ID of Timeless's Books is bTJkAwAAQBAJ, Book which was written byLucinda Frankshave ETAG "qvif9MmjjXs"

Book which was published by Sarah Crichton Books since 2014-08-19 have ISBNs, ISBN 13 Code is 9781429949279 and ISBN 10 Code is 1429949279

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It Happened One Wedding

It Happened One Wedding
By:Julie James
Published on 2014-05-06 by Penguin

~Shortlisted for the ALA’s 2015 Reading List for Best Romance SHE KNOWS BETTER THAN TO SAY “I DO” After a humiliating end to her engagement, investment banker Sidney Sinclair is done with commitment-phobic men. But when her sister winds up engaged after a whirlwind courtship, Sidney is thrown into close contact with exactly the kind of sexy playboy she wants to avoid—the gorgeous best man. She’s stuck with him, for better or worse, until her sister walks down the aisle, but that doesn’t mean she has to give in to his smooth advances, no matter how tempting they are… BUT HE MAKES IT HARD TO SAY “I DON’T” Special agent Vaughn Roberts always gets his man on the job and his woman in bed. So Sidney’s refusal to fall for his charms only makes him more determined to win over the cool and confident redhead. Only what starts out as a battle of wills ends up as a serious play for her heart. Because the one woman who refuses to be caught may be the only one Vaughn can’t live without… A New York Times Bestseller A USA Today Bestseller A Publishers Weekly Bestseller From the Paperback edition.

This Book was ranked at 9 by Google Books for keyword Attorney.

Book ID of It Happened One Wedding's Books is ne9oAQAAQBAJ, Book which was written byJulie Jameshave ETAG "wO/1DWbQEyY"

Book which was published by Penguin since 2014-05-06 have ISBNs, ISBN 13 Code is 9780698137905 and ISBN 10 Code is 0698137906

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The Rise and Fall of the US Mortgage and Credit Markets

The Rise and Fall of the US Mortgage and Credit Markets
By:James Barth
Published on 2009-06-22 by John Wiley & Sons

The mortgage meltdown: what went wrong and how do we fix it? Owning a home can bestow a sense of security and independence. But today, in a cruel twist, many Americans now regard their homes as a source of worry and dashed expectations. How did everything go haywire? And what can we do about it now? In The Rise and Fall of the U.S. Mortgage and Credit Markets, renowned finance expert James Barth offers a comprehensive examination of the mortgage meltdown. Together with a team of economists at the Milken Institute, he explores the shock waves that have rippled through the entire financial sector and the real economy. Deploying an incredibly detailed and extensive set of data, the book offers in-depth analysis of the mortgage meltdown and the resulting worldwide financial crisis. This authoritative volume explores what went wrong in every critical area, including securitization, loan origination practices, regulation and supervision, Fannie Mae and Freddie Mac, leverage and accounting practices, and of course, the rating agencies. The authors explain the steps the government has taken to address the crisis thus far, arguing that we have yet to address the larger issues. Offers a comprehensive examination of the mortgage market meltdown and its reverberations throughout the financial sector and the real economy Explores several important issues that policymakers must address in any future reshaping of financial market regulations Addresses how we can begin to move forward and prevent similar crises from shaking the foundations of our financial system The Rise and Fall of the U.S. Mortgage and Credit Markets analyzes the factors that should drive reform and explores the issues that policymakers must confront in any future reshaping of financial market regulations.

This Book was ranked at 15 by Google Books for keyword Mortgage.

Book ID of The Rise and Fall of the US Mortgage and Credit Markets's Books is MRAh4Kbr7qgC, Book which was written byJames Barthhave ETAG "iuQXEnfVV08"

Book which was published by John Wiley & Sons since 2009-06-22 have ISBNs, ISBN 13 Code is 9780470493885 and ISBN 10 Code is 0470493887

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Book which have "528 Pages" is Printed at BOOK under CategoryBusiness and Economics

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1,000 Words on LTCi

From Bill Comfort, CLTC:

[click to embiggen]

Says it all, really. Have a plan.

General Index to the Insurance Digest

General Index to the Insurance Digest
By:
Published on 1892 by

This Book was ranked at 24 by Google Books for keyword Insurance.

Book ID of General Index to the Insurance Digest's Books is dyo1AQAAMAAJ, Book which was written by have ETAG "qLzQJAOHAGk"

Book which was published by since 1892 have ISBNs, ISBN 13 Code is and ISBN 10 Code is

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STC Redux

As in Short Term Care insurance.

Recently saw this:

The new short-term care insurance product will help purchasers pay for short-term use of home health care, adult daycare, hospice care, assisted living facility care and nursing home care, according to AARP and American Enterprise.@AARP https://t.co/Qn2gWdEvCA
— ThinkAdv Life/Health (@TA_LifeHealth) August 26, 2019

To which I replied "And I'm sure it will be every bit the value that AARP's affiliate MedSupp plans are.

And BTW: This is hardly "new "

Indeed.

In fact, we blogged on them here over 7 years ago:

"... these policies typically have benefits that last for a year (or even less)"

Hence the "Short" Term label.

La plus ca change....

Retire Inspired

Retire Inspired
By:Chris Hogan
Published on 2016-01-12 by Ramsey Press

When you hear the word retirement, you probably don't imagine yourself scrambling to pay your bills in your golden years. But for too many Americans, that's the fate that awaits unless they take steps now to plan for the future. Whether you're twenty five and starting your first job or fifty five and watching the career clock start to wind down, today is the day to get serious about your retirement. In Retire Inspired, Chris Hogan teaches that retirement isn't an age; it's a financial number an amount you need to live the life in retirement that you've always dreamed of. With clear investing concepts and strategies, Chris will educate and empower you to make your own investing decisions, set reasonable expectations for your spouse and family, and build a dream team of experts to get you there. You don't have to retire broke, stressed, and working long after you want to. You can retire inspired!

This Book was ranked at 28 by Google Books for keyword Mortgage.

Book ID of Retire Inspired's Books is 1MeSDwAAQBAJ, Book which was written byChris Hoganhave ETAG "GxdJOAeoCFo"

Book which was published by Ramsey Press since 2016-01-12 have ISBNs, ISBN 13 Code is 9781937077815 and ISBN 10 Code is 1937077810

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Mortgage Financing

Mortgage Financing
By:Thomas J. McCool,Mathew Scire
Published on 2001 by DIANE Publishing

According to HUD, the economic value of the Mutual Mortgage Insur. Fund grew by about $5 billion in 1999, reaching its highest level in 20 years. This report: estimates the value of the Fund at the end of FY'99, given expected econ. conditions, & compares this est. to the est. of the value of the Fund reported by HUD; determines the extent to which a 2% capital ratio (CR) would allow the Fund to withstand worse-than-expected loan performance due to economic & other factors; & describes options for adjusting the size of the Fund if the estimated CR is different than the amt. needed, & describes the impact that these options might have on the FUND, FHA mortgagors, & the Fed. budget. Tables.

This Book was ranked at 32 by Google Books for keyword Mortgage.

Book ID of Mortgage Financing's Books is RpJZqCaNOd8C, Book which was written byThomas J. McCool,Mathew Scirehave ETAG "b3OrUKI9z5E"

Book which was published by DIANE Publishing since 2001 have ISBNs, ISBN 13 Code is 9780756713690 and ISBN 10 Code is 0756713692

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Insurance

Insurance
By:Rowland Owen,National Playing Fields Association (Great Britain)
Published on 1968* by

This Book was ranked at 35 by Google Books for keyword Insurance.

Book ID of Insurance's Books is DT21AAAAIAAJ, Book which was written byRowland Owen,National Playing Fields Association (Great Britain)have ETAG "6jIOpyvHmNc"

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Happy Lawyer Happy Life

Happy Lawyer Happy Life
By:Clarissa Rayward
Published on 2017-02 by

Can lawyers really be happy? Research the world over is showing us that lawyers are unhappy in very large numbers. Here in Australia, current research suggests that one in three lawyers will experience depression at some stage during their careers. For anyone practising in law or considering it in their future, this statistic is both overwhelming and so very sad. Happy Lawyer, Happy Life is the book for people on the law path who want to live the happiest life they can, at the same time enjoying all that brought them to their law career in the first place. Written by Australian lawyer Clarissa Rayward, Happy Lawyer, Happy Life will give you the tools you need to make the best of your career in the law and, perhaps more importantly, find happiness in your life. Clarissa's own experience of managing unhappiness in her career is combined with the knowledge and wisdom of many other happy lawyers to create this practical guide - a must-read for anyone considering or navigating a career in the law.

This Book was ranked at 33 by Google Books for keyword Lawyer.

Book ID of Happy Lawyer Happy Life's Books is bQf9MAAACAAJ, Book which was written byClarissa Raywardhave ETAG "eJbZd5Qy1NU"

Book which was published by since 2017-02 have ISBNs, ISBN 13 Code is 9780994202529 and ISBN 10 Code is 0994202520

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Stochastic Processes for Insurance and Finance

Stochastic Processes for Insurance and Finance
By:Tomasz Rolski,Hanspeter Schmidli,V. Schmidt,Jozef Teugels
Published on 1999-03-12 by Wiley

Stochastic Processes for Insurance and Finance offers a thorough yet accessible reference for researchers and practitioners of insurance mathematics. Building on recent and rapid developments in applied probability, the authors describe in general terms models based on Markov processes, martingales and various types of point processes. Discussing frequently asked insurance questions, the authors present a coherent overview of the subject and specifically address: The principal concepts from insurance and finance Practical examples with real life data Numerical and algorithmic procedures essential for modern insurance practices Assuming competence in probability calculus, this book will provide a fairly rigorous treatment of insurance risk theory recommended for researchers and students interested in applied probability as well as practitioners of actuarial sciences. Wiley Series in Probability and Statistics

This Book was ranked at 31 by Google Books for keyword Insurance.

Book ID of Stochastic Processes for Insurance and Finance's Books is dlIhmQEACAAJ, Book which was written byTomasz Rolski,Hanspeter Schmidli,V. Schmidt,Jozef Teugelshave ETAG "T7NHy7+20oc"

Book which was published by Wiley since 1999-03-12 have ISBNs, ISBN 13 Code is 9780471959250 and ISBN 10 Code is 0471959251

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Financial Risk in Insurance

Financial Risk in Insurance
By:G. Ottaviani
Published on 2012-12-06 by Springer Science & Business Media

Published with the contribution of the Italian insurance company, INA, this volume contains the invited contributions presented at the 3rd International AFIR Colloquium. In the spirit of actuarial tradition, the colloquium paid attention to the link between the theoretical approach and the operative problems of financial markets and institutions, and insurance companies in particular. The book is thus an important reference work for students and researchers of actuarial sciences and finance, and is also recommended to practitioners with theoretical interests.

This Book was ranked at 37 by Google Books for keyword Insurance.

Book ID of Financial Risk in Insurance's Books is be3vCAAAQBAJ, Book which was written byG. Ottavianihave ETAG "7PbfGBaSeXM"

Book which was published by Springer Science & Business Media since 2012-12-06 have ISBNs, ISBN 13 Code is 9783642578465 and ISBN 10 Code is 3642578462

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Who'da thunk it?

From our favorite actuary:

The individual market is 37% larger than it was in 2013. That’s because the federal govt is covering much of people’s premiums, not because we added “protections” which drive up base premium rates. https://t.co/wd4UdvwbEp https://t.co/llUlFKLwqJ
— Greg Fann (@greg_fann) August 23, 2019

Or more succinctly:

#ImagineThat

Divorce Your Lawyer

Divorce Your Lawyer
By:Sylvia Mandelbaum,Moshe Koenig
Published on 1985-01-01 by Gefen Publishing House Ltd

This Book was ranked at 9 by Google Books for keyword Lawyer.

Book ID of Divorce Your Lawyer's Books is pZSzNT2hNUQC, Book which was written bySylvia Mandelbaum,Moshe Koenighave ETAG "nTKKzrNj3gQ"

Book which was published by Gefen Publishing House Ltd since 1985-01-01 have ISBNs, ISBN 13 Code is 9789652290182 and ISBN 10 Code is 9652290181

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One Hen

One Hen
By:Katie Smith Milway
Published on 2008-02-01 by Kids Can Press Ltd

Inspired by true events, One Hen tells the story of Kojo, a boy from Ghana who turns a small loan into a thriving farm and a livelihood for many.

This Book was ranked at 22 by Google Books for keyword Loans.

Book ID of One Hen's Books is p0WACwAAQBAJ, Book which was written byKatie Smith Milwayhave ETAG "k+/hqs09RLs"

Book which was published by Kids Can Press Ltd since 2008-02-01 have ISBNs, ISBN 13 Code is 9781771381598 and ISBN 10 Code is 1771381590

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Biennial Report of the Attorney General of the State of South Dakota

Biennial Report of the Attorney General of the State of South Dakota
By:South Dakota. Office of Attorney General
Published on 1912 by

This Book was ranked at 7 by Google Books for keyword Attorney.

Book ID of Biennial Report of the Attorney General of the State of South Dakota's Books is 6k8wAQAAMAAJ, Book which was written bySouth Dakota. Office of Attorney Generalhave ETAG "RgJQC2OMYZA"

Book which was published by since 1912 have ISBNs, ISBN 13 Code is and ISBN 10 Code is

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Hamilton County, Ohio, Guide to Recorder's Indexes and Documents, 1794-1988

Hamilton County, Ohio, Guide to Recorder's Indexes and Documents, 1794-1988
By:William H. Graver
Published on 2003 by

This book is designed for anyone who wants to search the books of the Hamilton County Record for any time period up to 1988. It will help you understand the wide variety of information that may be found and will help you plan effective searches.

This Book was ranked at 27 by Google Books for keyword Mortgage.

Book ID of Hamilton County, Ohio, Guide to Recorder's Indexes and Documents, 1794-1988's Books is HLu1pwAACAAJ, Book which was written byWilliam H. Graverhave ETAG "W6xa42S1wmc"

Book which was published by since 2003 have ISBNs, ISBN 13 Code is 9781932250022 and ISBN 10 Code is 1932250026

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Book which have "238 Pages" is Printed at BOOK under CategoryCourt records

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Mortgage Lending, Racial Discrimination, and Federal Policy

Mortgage Lending, Racial Discrimination, and Federal Policy
By:John M. Goering,Ronald E. Wienk
Published on 1996-01-01 by The Urban Insitute

Whether or not there is discrimination in the mortgage lending market is one of the most extensively debated issues in the civil rights arena. Because many early studies were flawed and the results misinterpreted on both sides of the debate, there is little agreement as to the next essential steps in either research or enforcement. This comprehensive volume seeks to clarify the debate by including rigorous review of fair lending research, applied projects, and enforcement activities to date, as well as recommendations for research needed to resolve unanswered questions. The intent of the authors is to help the housing industry, regulators, advocates, and the research community to better understand the issue of discrimination in an important area of American life -- the right to take out a mortgage to buy a home based on one's credit worthiness, not on one's race or ethnic group.

This Book was ranked at 31 by Google Books for keyword Mortgage.

Book ID of Mortgage Lending, Racial Discrimination, and Federal Policy's Books is dX2RvO-KqCMC, Book which was written byJohn M. Goering,Ronald E. Wienkhave ETAG "wF7xE72amD8"

Book which was published by The Urban Insitute since 1996-01-01 have ISBNs, ISBN 13 Code is 9780877666561 and ISBN 10 Code is 0877666563

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Book which have "743 Pages" is Printed at BOOK under CategorySocial Science

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Annual Report of the Commission of Gas and Electricity of the State of New York

Annual Report of the Commission of Gas and Electricity of the State of New York
By:New York (State). Commission of Gas and Electricity
Published on 1906 by

This Book was ranked at 9 by Google Books for keyword Gas/Electricity.

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Due Diligence of Trust-owned Life Insurance

Due Diligence of Trust-owned Life Insurance
By:John Resnick,Richard M. Weber,Lawrence Brody
Published on 2018-02 by

This Book was ranked at 40 by Google Books for keyword Insurance.

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Book which was published by since 2018-02 have ISBNs, ISBN 13 Code is 9781634259774 and ISBN 10 Code is 1634259777

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Tools & Techniques of Life Insurance Planning

Tools & Techniques of Life Insurance Planning
By:Stephan R. Leimberg,Robert J. Doyle
Published on 2004-01-01 by

This Book was ranked at 38 by Google Books for keyword Insurance.

Book ID of Tools & Techniques of Life Insurance Planning's Books is cn7WAAAAMAAJ, Book which was written byStephan R. Leimberg,Robert J. Doylehave ETAG "HPOlDi7N9gE"

Book which was published by since 2004-01-01 have ISBNs, ISBN 13 Code is 9780872186545 and ISBN 10 Code is 0872186547

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Bending that cost curve down: MVNHS©-style

Hard to beat this:

Well yes. A study of cataract surgery in the UK showed that delaying surgery at least a year resulted in many patients dying, becoming too sick or forgetting about it so the numbers of actual procedures were reduced. It is a form of self-rationing then allows access to others.
— kokomored (@kokomored1) August 22, 2019

The study found that patients "with poor eyesight are being forced to wait almost six months for operations ... Lengthening delays and the growing demand for cataract operations are forcing the NHS to send increasing numbers of patients to be treated privately."

But I thought the Much Vaunted National Health Service© was the 'ne plus ultra ' of government run health "care."

Hunh.

Biennial Report and Opinions of the Attorney General of the State of Oregon

Biennial Report and Opinions of the Attorney General of the State of Oregon
By:Oregon. Department of Justice,Oregon. Attorney General's Office
Published on 1928 by

This Book was ranked at 34 by Google Books for keyword Attorney.

Book ID of Biennial Report and Opinions of the Attorney General of the State of Oregon's Books is 4hxOAQAAIAAJ, Book which was written byOregon. Department of Justice,Oregon. Attorney General's Officehave ETAG "2xpeAPDALo4"

Book which was published by since 1928 have ISBNs, ISBN 13 Code is and ISBN 10 Code is

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Gas and Electricity

Gas and Electricity
By:Australia. Parliament. Senate. Standing Committee on Industry, Science, and Technology
Published on 1992 by

This Book was ranked at 20 by Google Books for keyword Gas/Electricity.

Book ID of Gas and Electricity's Books is ME2KaQGhWG8C, Book which was written byAustralia. Parliament. Senate. Standing Committee on Industry, Science, and Technologyhave ETAG "Ekmq/x5jZRQ"

Book which was published by since 1992 have ISBNs, ISBN 13 Code is and ISBN 10 Code is

Reading Mode in Text Status is false and Reading Mode in Image Status is false

Book which have "150 Pages" is Printed at BOOK under CategoryElectric industries

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The Future of Insurance Regulation and Supervision in the EU

The Future of Insurance Regulation and Supervision in the EU
By:Johan van der Ende,Rym Ayadi,Christopher O'Brien,Centre for European Policy Studies (Brussels, Belgium)
Published on 2006 by CEPS

This report offers a comprehensive overview of the developments in the European insurance market over the last decade. It also examines the regulatory initiatives undertaken by the relevant international organizations (IAIS, IAA IASB) in order to develop a global risk-sensitive solvency regime for insurance companies. The authors focus in particular on the ongoing developments of the new European solvency regime (known as Solvency II) and the issues addressed by the proposed EU directives on insurance groups and conglomerates.

This Book was ranked at 33 by Google Books for keyword Insurance.

Book ID of The Future of Insurance Regulation and Supervision in the EU's Books is DTtE45ULJp8C, Book which was written byJohan van der Ende,Rym Ayadi,Christopher O'Brien,Centre for European Policy Studies (Brussels, Belgium)have ETAG "odlXCI9hd6M"

Book which was published by CEPS since 2006 have ISBNs, ISBN 13 Code is 9789290796305 and ISBN 10 Code is 9290796308

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The Theory of Demand for Health Insurance

The Theory of Demand for Health Insurance
By:John A. Nyman
Published on 2003 by Stanford University Press

Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. This book presents a new theory of consumer demand for health insurance. It holds that people purchase insurance to obtain additional |income| when they become ill.

This Book was ranked at 2 by Google Books for keyword Insurance.

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Book which was published by Stanford University Press since 2003 have ISBNs, ISBN 13 Code is 9780804744881 and ISBN 10 Code is 0804744882

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Book which have "201 Pages" is Printed at BOOK under CategoryHealth and Fitness

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Report of the Arguments of the Attorney of the Commonwealth

Report of the Arguments of the Attorney of the Commonwealth
By:Abner Kneeland,Samuel Dunn Parker
Published on 1834 by

This Book was ranked at 29 by Google Books for keyword Attorney.

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The American Mortgage System

The American Mortgage System
By:Susan M. Wachter,Marvin M. Smith
Published on 2011-05-31 by University of Pennsylvania Press

Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and Reform focuses on the causes of the housing market collapse and proposes solutions to prevent another rash of foreclosures. Edited by two leaders in the field of real estate and finance, Susan M. Wachter and Marvin M. Smith, The American Mortgage System examines key elements of the mortgage meltdown. The volume's contributors address the influence of the Community Reinvestment Act, which is often blamed for the crisis. They uncover how the government-sponsored enterprises Fannie Mae and Freddie Mac invested outside the housing market with disastrous results. They present surprising information about low-income borrowers and the strengths of local banks. This collection of thoughtful studies includes extensive analysis of loan practices and the creation of unstable mortgage securities, presenting data largely unavailable until now. More than a critique, The American Mortgage System offers solutions to the problems facing the future of American home ownership, including identifying asset price bubbles, calculating risk, and preventing discrimination in lending. Measured yet timely and by turns provocative, The American Mortgage System provides a careful assessment of a troubled but indispensable part of the economic and social structure of the United States. This book is a sound investment for economists, urban planners, and all who shape public policy.

This Book was ranked at 19 by Google Books for keyword Mortgage.

Book ID of The American Mortgage System's Books is A1eCnnMjHfoC, Book which was written bySusan M. Wachter,Marvin M. Smithhave ETAG "9IaGlTpDgtU"

Book which was published by University of Pennsylvania Press since 2011-05-31 have ISBNs, ISBN 13 Code is 9780812204308 and ISBN 10 Code is 0812204301

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Relationship between CO2, fuel and electricity prices and the effect on Green House Gas (GHG) emissions in Nordic countries

Relationship between CO2, fuel and electricity prices and the effect on Green House Gas (GHG) emissions in Nordic countries
By:
Published on 2008 by Nordic Council of Ministers

This Book was ranked at 32 by Google Books for keyword Gas/Electricity.

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Book which was published by Nordic Council of Ministers since 2008 have ISBNs, ISBN 13 Code is 9789289316781 and ISBN 10 Code is 9289316780

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Book which have "108 Pages" is Printed at BOOK under CategorySOCIAL SCIENCE

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Bank and Insurance Capital Management

Bank and Insurance Capital Management
By:Frans de Weert
Published on 2011-10-14 by John Wiley & Sons

In the aftermath of the financial crisis, capital management has become a critical factor in value creation for banks and other financial institutions. Although complex and subject to regulatory change, the strategic importance of capital management became apparent during the crisis and has moved the subject to the top of corporate agendas. Bank and Insurance Capital Management is an essential guide to help banks and insurance companies understand and manage their capital position. Bridging the gap between theory and practice, it provides proven techniques for managing bank capital, as well as explaining key capital management perspectives, including accounting, regulatory, risk and capital management and corporate finance. It also shows how to analyze a firm's stakeholders such as depositors, policy holders, debt holders and shareholders, and manage their expectations, and how to align risk and capital management so as to best optimize the return on capital and preserve capital in periods of stress. Economic capital is also discussed in depth, as are the practicalities of bank and insurance M&A, and the book also shows how financial innovations can be used to optimise the capital position and how diversification effects are reflected in the capital position. This book will arm readers with the knowledge and skills needed to understand how capital management can improve capital structure and performance, achieving an optimal cost of, and return on capital, creating value as a result.

This Book was ranked at 21 by Google Books for keyword Insurance.

Book ID of Bank and Insurance Capital Management's Books is b6S1SbpQ-xIC, Book which was written byFrans de Weerthave ETAG "8LjavlToDMM"

Book which was published by John Wiley & Sons since 2011-10-14 have ISBNs, ISBN 13 Code is 9780470971642 and ISBN 10 Code is 0470971649

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Review of OMB Guidelines for the Sale of Government Loan Assets

Review of OMB Guidelines for the Sale of Government Loan Assets
By:United States. Congress. House. Committee on Government Operations. Legislation and National Security Subcommittee
Published on 1987 by

This Book was ranked at 22 by Google Books for keyword Loans.

Book ID of Review of OMB Guidelines for the Sale of Government Loan Assets's Books is GOAkAAAAMAAJ, Book which was written byUnited States. Congress. House. Committee on Government Operations. Legislation and National Security Subcommitteehave ETAG "CyTWycYWF/8"

Book which was published by since 1987 have ISBNs, ISBN 13 Code is and ISBN 10 Code is

Reading Mode in Text Status is false and Reading Mode in Image Status is false

Book which have "114 Pages" is Printed at BOOK under CategoryGovernment lending

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Nicolas Biddle and the Bank. Loans and Discounts

Nicolas Biddle and the Bank. Loans and Discounts
By:Nicholas BIDDLE (LL.D.)
Published on 1832* by

This Book was ranked at 38 by Google Books for keyword Loans.

Book ID of Nicolas Biddle and the Bank. Loans and Discounts's Books is Jk5VAAAAcAAJ, Book which was written byNicholas BIDDLE (LL.D.)have ETAG "uHz4OeTGesc"

Book which was published by since 1832* have ISBNs, ISBN 13 Code is and ISBN 10 Code is

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Rise in Mortgage Defaults

Rise in Mortgage Defaults
By:
Published on by DIANE Publishing

This Book was ranked at 33 by Google Books for keyword Mortgage.

Book ID of Rise in Mortgage Defaults's Books is cP6Y8en7_NsC, Book which was written by have ETAG "1y6QrngOchs"

Book which was published by DIANE Publishing since have ISBNs, ISBN 13 Code is 9781437985337 and ISBN 10 Code is 1437985335

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Workbook for Understanding Health Insurance (Book Only)

Workbook for Understanding Health Insurance (Book Only)
By:Michelle A. Green
Published on 2014-01-08 by Cengage Learning

Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.

This Book was ranked at 14 by Google Books for keyword Insurance.

Book ID of Workbook for Understanding Health Insurance (Book Only)'s Books is jesbCgAAQBAJ, Book which was written byMichelle A. Greenhave ETAG "seUqYgH7BOM"

Book which was published by Cengage Learning since 2014-01-08 have ISBNs, ISBN 13 Code is 9781285737676 and ISBN 10 Code is 1285737679

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Rock and Hard Place: Grandpa edition

Well, technically "Grandfathered:" the plan in question dates from 2010, when we wrote it for a younger couple and their 3 (now 4) children. This was one of my favorite plan designs: Anthem's Lumenos HSA product, a legit cat (catastrophic) plan with a $10,000 family deductible, then 100% after. Fit their needs well, and was a great value.

Fast forward 9 years, and (sadly) they're divorcing. Which wouldn't be the end of the world insurance-wise but for a couple complications:

First, now ex-hubby has opted for a Sharing Ministry for himself and the kids, and has failed to pay the August premium. Oh, did I mention that I just learned about all this yesterday?

/sigh

Anyway, Jane reached out to me to fill me in and to ask about her options, . since she would prefer an actual insurance plan. It doesn't look like she'd be eligible for a Special Open Enrollment opportunity (since her plan isn't ACA-compliant), but perhaps she could keep the Lumenos/Anthem plan?

So I reached out to Anthem and learned that she could, in fact, keep the plan (there are some hoops through which she'll need to jump, including getting ex-hubby's signature on the change request).

So what's the dilemma, Henry?

Well, since the August premium is apparently unpaid, the plan is in the 30 day grace period, and that clock is ticking. Once that's over, so's the plan, and the opportunity to keep it. In the meantime, she's waiting to learn whether or not she's been approved for the new job for which she's applied, but won't know that until the 30th.

Which is also the deadline for the change request.

Yikes.

I've suggested that she submit the request anyway, since it doesn't involve sending in any actual money, and she can always change her mind if/when she gets that new gig.

Meantime, it's wait and see.

Skin in the Game

Skin in the Game
By:Daniel Bergstresser,Randolph Cohen,Siddharth Shenai
Published on 2015 by

This Book was ranked at 38 by Google Books for keyword Insurance.

Book ID of Skin in the Game's Books is NCG3vQEACAAJ, Book which was written byDaniel Bergstresser,Randolph Cohen,Siddharth Shenaihave ETAG "+3R4cwKY7ug"

Book which was published by since 2015 have ISBNs, ISBN 13 Code is and ISBN 10 Code is

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The Infallibility of Doctors' “Mindset”

The ongoing saga of Mount Carmel Health System in my home state of Ohio should be a wakeup call for all Medical Organizations. Specifically, that Doctors are fallible.

But to the root of the problem, how did this happen. It happened because Medical Organizations are created by Doctors who have a "negativity bias."

How does the negativity bias affect patient care? Catherine Hambley, PhD discusses this in an article, “What you can do about the negativity bias in Medicine.

“The negativity bias is alive and well in medicine. It starts in medical school where students are frequently exposed to teaching methods that create feelings of shame, ineptitude and incompetency. Early on in their careers, physicians learn both the importance of preventing and avoiding errors as well as the need for perfection.”

This trait is then carried over into their working lives and into the Medical Practices and Organizations in which they create and work. Staff is expected to maintain this super human level of perfection, which causes tremendous stress and burn out. As Dr. Hambley states:

“…we know that mistakes are inevitable. We also know that if we talk about them, we are more likely to prevent their recurrence. The problem is that healthcare workers often avoid acknowledging that an error has occurred. This is typically due to a culture where mistakes are accompanied by some form of punishment, and people often feel humiliated and blamed. Hospital settings can also perpetuate a culture where the negativity bias is enhanced with physician peer review committees and incident reporting systems.”

I have seen this negativity time and again in the Medical Profession. Staff are intimidated not to complain about the “Bad Doctor” because they have seen their peers who do complain punished. In job interviews I am always asked about dealing with the “Bad Doctor”. I always know when that question is coming because the interviewer becomes quiet, usually sighs or breaths in audibly, and then tentatively begins the question. The question is asked because there is a “Bad Doctor” in the organization that has been ignored, supported, and accommodated when in reality he/she should have been acknowledged, discouraged, and censored.

What happens instead is that good, ethical employees become jaundiced to management, which effects their job performance and ultimately leads to less than adequate care. The case of Mount Carmel is the extreme, but it will happen again as long as the Infallibility Mindset is a part of Medical Management.

the attorney in eighteenth century

the attorney in eighteenth century
By:
Published on by CUP Archive

This Book was ranked at 37 by Google Books for keyword Attorney.

Book ID of the attorney in eighteenth century's Books is zOc7AAAAIAAJ, Book which was written by have ETAG "JXf3Zfx+7kk"

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The Banker's Secret

The Banker's Secret
By:Marc Eisenson
Published on 1995-03-01 by Villard Books

An extraordinary and amazingly simple book that teaches you how to save at least tens of thousands of dollars when you prepay your mortgage, The Banker's Secret offers about forty pages of simple-to-follow text and loads of helpful charts.

This Book was ranked at 11 by Google Books for keyword Mortgage.

Book ID of The Banker's Secret's Books is i3cMAAAACAAJ, Book which was written byMarc Eisensonhave ETAG "0dtSJ5Yo4uM"

Book which was published by Villard Books since 1995-03-01 have ISBNs, ISBN 13 Code is 9780812992663 and ISBN 10 Code is 0812992660

Reading Mode in Text Status is false and Reading Mode in Image Status is false

Book which have "244 Pages" is Printed at BOOK under CategoryBusiness and Economics

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Telemedicine in the News

We last blogged on telemedicine last Fall:

"[U]nlimited same-day/next-day doctor appointments for acute issues at $10 a visit and around-the-clock telemedicine for no out-of-pocket cost."

It was in that post that we first learned the newest buzz-phrase "Virtual Primary Care."

Anyway, fast forward a bit, and now the feature will be a required benefit in health insurance plans marketed here in The Buckeye State:

"Private insurance companies in Ohio are now required to cover doctor visits over the phone or on the computer."

The new reg is touted as a benefit to both consumers (for convenience) and providers (who will now be assured of reimbursement):

"Doctors have been anxious to include telemedicine in their practice but until law guaranteed insurance payments, some were reluctant to purchase equipment and learn how to do it."

Quite so.

Of course, no one's addressing the actual elephant in the room: who pays for this?

If you guessed "I, the policyholder, will be paying for it with increased premiums," please collect your winnings at the ticket window to your left.

[Hat Tp: FoIB Bill M]

Resolving Insurance Claim Disputes Before Trial

Resolving Insurance Claim Disputes Before Trial
By:Timothy H. Penn,Judith F. Goodman
Published on 2018-06 by

This Book was ranked at 14 by Google Books for keyword Insurance.

Book ID of Resolving Insurance Claim Disputes Before Trial's Books is G5qDtgEACAAJ, Book which was written byTimothy H. Penn,Judith F. Goodmanhave ETAG "jbE/zPyGwIY"

Book which was published by since 2018-06 have ISBNs, ISBN 13 Code is 9781641050999 and ISBN 10 Code is 1641050993

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Terrible Carrier Tricks: Policy Holder Service edition

One of my life insurance clients called the other day to see if I could help her with her sons' policies. Seems she had bought each of them a Universal Life policy some years ago (before we'd met) and she wanted to professional advice. I was of course happy to oblige, and asked her a few questions:

The plans were about 20 or so years old, and written by her Auto Owners Insurance agent. He has since retired, and the agency to which the plans were re-assigned hasn't been particularly helpful. She did have the annual statements handy, and we were able to determine that the plans were doing well so far (a welcome relief: they often get "upside down" this far in). But it seemed to me that it wouldn't hurt to increase the premium a bit as a hedge against future slumps. To that end, I suggested that she contact AO directly to see about obtaining in-force illustrations (aka "what-ifs") for each plan.

Here's why: due to various tax laws over the years, there is a cap on how much one can put into a given UL each year (yeah. I think that's dumb, too, but there you go). So we needed to determine if we could bump the premiums, and if so, to what effect. Quite routine, really.

What happened next is decidedly not routine: when she called the Home Office, she was told that only her agent could order these illustrations. Putting aside the obvious question of what if she had no agent, why is it the carrier's business if she wanted them? As the owner of the policies, she has every right to this information (as well as changing beneficiaries, premiums, etc).

And even if she wasn't the owner, she should have been told that her sons would need to make the request themselves (not her on their behalf). There's just no excuse for how poorly this was handled. One wonders how she would have been treated if it was a claim.

Shame on Auto Owners Insurance.

[ed: we generally like to give carriers a heads' up on, and opportunity to correct, these types of issues, but AO doesn't seem to have a media relations contact email available]

Commercial Loan Practices & Operations

Commercial Loan Practices & Operations
By:Vincent J. Signoriello
Published on 1990 by Bankers Publishing Company

This Book was ranked at 33 by Google Books for keyword Loans.

Book ID of Commercial Loan Practices & Operations's Books is -FcvAAAAMAAJ, Book which was written byVincent J. Signoriellohave ETAG "D+rycgYuuJE"

Book which was published by Bankers Publishing Company since 1990 have ISBNs, ISBN 13 Code is and ISBN 10 Code is

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Book which have "139 Pages" is Printed at BOOK under CategoryBank deposits

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Natural Gas Monthly: February 2004

Natural Gas Monthly: February 2004
By:
Published on by DIANE Publishing

This Book was ranked at 6 by Google Books for keyword Gas/Electricity.

Book ID of Natural Gas Monthly: February 2004's Books is RTKEezB6-vAC, Book which was written by have ETAG "aQx/Pbs89/o"

Book which was published by DIANE Publishing since have ISBNs, ISBN 13 Code is 9781422347515 and ISBN 10 Code is 1422347516

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