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Dot Grids Notebook Vol.2: Bullet Journal: Blank Dot Pattern Notebook Dotted Grid Size 10 X 8 Inches, 110 Dot Grid Pages, Minimalist Planner, for Sketching, Jotting Down Thoughts, Writing Notes and Drawing Art and Sketch Book for Kids. Colorful Cute Cover.
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6.600000 USD

Dot Grids Notebook Vol.2: Bullet Journal: Blank Dot Pattern Notebook Dotted Grid Size 10 X 8 Inches, 110 Dot Grid Pages, Minimalist Planner, for Sketching, Jotting Down Thoughts, Writing Notes and Drawing Art and Sketch Book for Kids. Colorful Cute Cover.

by Deana Delisiotio
Paperback / softback
Book cover image
Property Casualty Insurance License Exam Study Guide 2018 & 2019: Property and Casualty Insurance License Exam Study Prep & Practice Test Questions
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66.140000 USD

Property Casualty Insurance License Exam Study Guide 2018 & 2019: Property and Casualty Insurance License Exam Study Prep & Practice Test Questions

by Test Prep Books Insurance License Team
Paperback / softback
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Dot Grids Notebook Vol.3: Blank Dot Pattern Notebook Dotted Grid, Bullet Journal: Size 10 X 8 Inches, 110 Dot Grid Pages, Minimalist Planner, for Jotting Down Thoughts, Writing Notes Sketching and Drawing Art and Sketch Book for Kids. with Colorful Cute C
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6.290000 USD

Dot Grids Notebook Vol.3: Blank Dot Pattern Notebook Dotted Grid, Bullet Journal: Size 10 X 8 Inches, 110 Dot Grid Pages, Minimalist Planner, for Jotting Down Thoughts, Writing Notes Sketching and Drawing Art and Sketch Book for Kids. with Colorful Cute C

by Deana Delisiotio
Paperback / softback
Book cover image
Weekly Meal Menu Planner with Grocery List: Meal Planner Notebook Journal Tracking and Prepping Your Meals with Grocery Shopping List: Food Menu Planner
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6.600000 USD

Weekly Meal Menu Planner with Grocery List: Meal Planner Notebook Journal Tracking and Prepping Your Meals with Grocery Shopping List: Food Menu Planner

by Joy M Port
Paperback / softback
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Dot Grid Notebook: Isometric Dot Paper, 8.5 X 11, Bullet Grid, Dotted Grid Notebook, 100 Pages, Cat Premium Cover
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5.660000 USD

Dot Grid Notebook: Isometric Dot Paper, 8.5 X 11, Bullet Grid, Dotted Grid Notebook, 100 Pages, Cat Premium Cover

by Lucius Easton
Paperback / softback
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Drought, excessive heat, typhoons and other natural events can greatly affect agricultural producers. Named peril index insurance is a risk-management tool that could be bundled with other tools to contribute to increased agricultural sustainability and improved food security in developing countries.
Risk modeling for appraising named peril index insurance products: a guide for practitioners
Drought, excessive heat, typhoons and other natural events can greatly affect agricultural producers. Named peril index insurance is a risk-management tool that could be bundled with other tools to contribute to increased agricultural sustainability and improved food security in developing countries.
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41.950000 USD

Risk modeling for appraising named peril index insurance products: a guide for practitioners

by Chloe Dugger, Huybert Groenendaal, Shadreck Mapfumo
Paperback / softback
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Consumer Attitudes Toward Credit Insurance provides the findings of a survey of approximately 3600 individuals who had the opportunity to purchase credit life insurance in conjunction with all types of consumer loans, except first mortgages and credit cards. The survey that forms the basis of the book was conducted in ...
Consumer Attitudes Toward Credit Insurance
Consumer Attitudes Toward Credit Insurance provides the findings of a survey of approximately 3600 individuals who had the opportunity to purchase credit life insurance in conjunction with all types of consumer loans, except first mortgages and credit cards. The survey that forms the basis of the book was conducted in 1993 by the Credit Research Center at Purdue University's Krannert Graduate School of Management. It replicates and expands upon four previous national studies of credit insurance consumers, done between 1970 and 1985. Despite the generally positive findings of prior research with respect to consumer attitudes toward credit insurance, several open questions remain of interest to policy makers, specifically the question of whether coercion is involved in the sale of the insurance. Consumer Attitudes Toward Credit Insurance addresses these outstanding issues. It presents a profile of who is currently being served by the credit insurance market, as well as the reasons borrowers purchase the product and their experience with the offer of credit insurance at point of sale.
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219.450000 USD

Consumer Attitudes Toward Credit Insurance

by Michael E. Staten, John M. Barron
Hardback
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1. THE PROBLEM OF CATASTROPHE RISK The risk of large losses from natural disasters in the U.S. has significantly increased in recent years, straining private insurance markets and creating troublesome problems for disaster-prone areas. The threat of mega-catastrophes resulting from intense hurricanes or earthquakes striking major population centers has dramatically ...
Catastrophe Insurance: Consumer Demand, Markets and Regulation
1. THE PROBLEM OF CATASTROPHE RISK The risk of large losses from natural disasters in the U.S. has significantly increased in recent years, straining private insurance markets and creating troublesome problems for disaster-prone areas. The threat of mega-catastrophes resulting from intense hurricanes or earthquakes striking major population centers has dramatically altered the insurance environment. Estimates of probable maximum losses (PMLs) to insurers from a mega- catastrophe striking the U.S. range up to $100 billion depending on the location and intensity of the event (Applied Insurance Research, 2001).1 A severe disaster could have a significant financial impact on the industry (Cummins, Doherty, and Lo, 2002; Insurance Services Office, 1996a). Estimates of industry gross losses from the terrorist attack on September 11, 2001 range from $30 billion to $50 billion, and the attack's effect on insurance markets underscores the need to understand the dynamics of the supply of and the demand for insurance against extreme events, including natural disasters. Increased catastrophe risk poses difficult challenges for insurers, reinsurers, property owners and public officials (Kleindorfer and Kunreuther, 1999). The fundamental dilemma concerns insurers' ability to handle low-probability, high-consequence (LPHC) events, which generates a host of interrelated issues with respect to how the risk of such events are 1 These probable maximum loss (PML) estimates are based on a SOD-year return period.
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219.450000 USD

Catastrophe Insurance: Consumer Demand, Markets and Regulation

by Michael R. Murray, Paul R Kleindorfer, Robert W. Klein, Martin F. Grace
Hardback
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Natural disasters such as large-scale flooding are on the increase. Climate change directly affects our basis of existence. This includes residential buildings, and commercial and industrial properties. The author highlights the requirements that will have to be met by a protection system for buildings in the future. Insurance against natural ...
Insurance Systems in Times of Climate Change: Insurance of Buildings Against Natural Hazards
Natural disasters such as large-scale flooding are on the increase. Climate change directly affects our basis of existence. This includes residential buildings, and commercial and industrial properties. The author highlights the requirements that will have to be met by a protection system for buildings in the future. Insurance against natural hazards lies at the heart of such a system. The insurance systems of Germany, France, Spain, Switzerland and the USA are presented. The author explains what type of insurance system is best suited to meet the challenge of climate change. The starting point of the legal section is statutory insurance with a monopoly. The question of whether such insurance is compatible with Swiss and EU law is examined. Keywords in this respect are economic freedom, competition, services of general interest and universal service.
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146.990000 USD

Insurance Systems in Times of Climate Change: Insurance of Buildings Against Natural Hazards

by Cornel Quinto
Paperback
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Arnaboldi highlights the importance of one of the three pillars of the Banking Union, the common mechanism for insuring deposits. She claims that integrated financial markets require a European solution with regard to deposit insurance and that the establishment of a pan-European scheme could address the problems for large cross-border ...
Deposit Guarantee Schemes: a European Perspective
Arnaboldi highlights the importance of one of the three pillars of the Banking Union, the common mechanism for insuring deposits. She claims that integrated financial markets require a European solution with regard to deposit insurance and that the establishment of a pan-European scheme could address the problems for large cross-border banks.
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73.500000 USD

Deposit Guarantee Schemes: a European Perspective

by Francesca Arnaboldi
Hardback
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After World War II, banks and other mortgage lenders began requiring insurance to protect them against flawed or defective real estate titles. Over the past sixty years, the title insurance industry has grown steadily in size, power, and secrecy: policies are available for both lenders and property owners and many ...
The American Title Insurance Industry: How a Cartel Fleeces the American Consumer
After World War II, banks and other mortgage lenders began requiring insurance to protect them against flawed or defective real estate titles. Over the past sixty years, the title insurance industry has grown steadily in size, power, and secrecy: policies are available for both lenders and property owners and many title insurers offer an array of other real estate services, such as escrow and appraisal. Yet details about the industry's operational procedures remain closely guarded from public exposure. In The American Title Insurance Industry, Joseph and David Eaton present evidence that improvements in recordkeeping over the last sixty years-particularly the advent of computers-have reduced the likelihood of a defective title going unnoticed in a property transaction. But the industry's flaws run deeper than mere obsolescence: in most states, title insurers are allowed to engage in anticompetitive business practices, including price-fixing. Among the findings in this meticulously researched study are instances of insurers charging premiums well above the amount necessary to compensate them for assuming the risk of defect and identical policies with identical risk that vary in price by hundreds of percentage points for different geographic locations. The authors also examine the widely ignored role that the federal and most state governments play in perpetuating the title insurance industry's unfair practices. Whereas most private industries prefer as little government intervention as possible, title insurers welcome it. Federal statue exempts title insurers from anti-trust liability, opening the door for price-fixing and destroying any semblance of free-market competition or market power for consumers. A landmark study for elected officials, and all those involved in the insurance, real estate, and brokerage industries, The American Title Insurance Industry brings to light a long-neglected problem-and offers suggestions for how it might be remedied.
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57.750000 USD

The American Title Insurance Industry: How a Cartel Fleeces the American Consumer

by David J Eaton, Joseph W. Eaton
Hardback
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When Congress authorized the National Flood Insurance Program (NFIP) in 1968, it intended for the program to encourage community initiatives in flood risk management, charge insurance premiums consistent with actuarial pricing principles, and encourage the purchase of flood insurance by owners of flood prone properties, in part, by offering affordable ...
Affordability of National Flood Insurance Program Premiums: Report 2
When Congress authorized the National Flood Insurance Program (NFIP) in 1968, it intended for the program to encourage community initiatives in flood risk management, charge insurance premiums consistent with actuarial pricing principles, and encourage the purchase of flood insurance by owners of flood prone properties, in part, by offering affordable premiums. The NFIP has been reauthorized many times since 1968, most recently with the Biggert-Waters Flood Insurance Reform Act of 2012 (BW 2012). In this most recent reauthorization, Congress placed a particular emphasis on setting flood insurance premiums following actuarial pricing principles, which was motivated by a desire to ensure future revenues were adequate to pay claims and administrative expenses. BW 2012 was designed to move the NFIP towards risk-based premiums for all flood insurance policies. The result was to be increased premiums for some policyholders that had been paying less than NFIP risk-based premiums and to possibly increase premiums for all policyholders. Recognition of this possibility and concern for the affordability of flood insurance is reflected in sections of the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA 2014). These sections called on FEMA to propose a draft affordability framework for the NFIP after completing an analysis of the efforts of possible programs for offering a /means-tested assistancea to policyholders for whom higher rates may not be affordable. BW 2012 and HFIAA 2014 mandated that FEMA conduct a study, in cooperation with the National Academies of Sciences, Engineering, and Medicine, which would compare the costs of a program of risk-based rates and means-tested assistance to the current system of subsidized flood insurance rates and federally funded disaster relief for people without coverage. Production of two reports was agreed upon to fulfill this mandate. This second report proposes alternative approaches for a national evaluation of affordability program policy options and includes lessons for the design of a national study from a proof-of-concept pilot study.
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51.450000 USD

Affordability of National Flood Insurance Program Premiums: Report 2

by National Academies of Sciences, Engineering, and Medicine, Division of Behavioral and Social Sciences and Education, Committee on National Statistics, Division on Engineering and Physical Sciences, Board on Mathematical Sciences and Their Applications, Division on Earth and Life Studies, Water Science and Technology Board, Committee on the Affordability of National Flood Insurance Program Premiums
Paperback / softback
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Deposit insurance has risen rapidly across the world. It was accelerated by the rash of financial crises that have struck in recent years. The contributions to this volume strike a fascinating balance between the interest of regulators, the view of academics as to how the issues should be handled, and ...
Deposit Insurance
Deposit insurance has risen rapidly across the world. It was accelerated by the rash of financial crises that have struck in recent years. The contributions to this volume strike a fascinating balance between the interest of regulators, the view of academics as to how the issues should be handled, and the interests of banks and their depositors.
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136.500000 USD

Deposit Insurance

Hardback
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A compact yet comprehensive expose of the best international practical experience in catastrophe risk management at the country level. Outlines the key challenges involved in building national catastrophe insurance schemes. Clearly illustrates how countries exposed to natural disasters can manage their catastrophe risk exposures to reduce the cost of risk ...
Catastrophe Risk and Reinsurance: A Country Risk Management Perspective
A compact yet comprehensive expose of the best international practical experience in catastrophe risk management at the country level. Outlines the key challenges involved in building national catastrophe insurance schemes. Clearly illustrates how countries exposed to natural disasters can manage their catastrophe risk exposures to reduce the cost of risk for national economies by following the classical corporate risk management model. The book contains valuable practical insights for risk and insurance professionals, and government policy makers on the key challenges involved in designing a successful national catastrophe risk management programme. The international focus offers innovative insights of the foremost academics in the area alongside practical expertise from leading international reinsurance and risk professionals, based on their experience of running some of the largest catastrophe risk programmes worldwide. In addition it demonstrates the importance of public-private partnerships in catastrophe risk financing by suggesting the roles of government and private risk markets. Finally, the title examines the best international practices at each stage of catastrophe risk management including: country risk assessments and risk modelling, risk transfer products as well as optimal institutional arrangements for national catastrophe risk management, including national reinsurance and insurance pools.
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145.04 USD

Catastrophe Risk and Reinsurance: A Country Risk Management Perspective

Hardback
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This unique book is a guide for students and graduates of mathematics, statistics, economics, finance, and other number-based disciplines contemplating a career in actuarial science. Given the comprehensive range of the cases that are analyzed in the book, the Actuaries' Survival Guide can serve as a companion to existing study ...
Actuaries' Survival Guide
This unique book is a guide for students and graduates of mathematics, statistics, economics, finance, and other number-based disciplines contemplating a career in actuarial science. Given the comprehensive range of the cases that are analyzed in the book, the Actuaries' Survival Guide can serve as a companion to existing study material for all courses designed to prepare students for actuarial examinations.
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55.600000 USD

Actuaries' Survival Guide

by Fred Szabo
Paperback
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This book offers a comprehensive view on bancassurance from its origin to future challenges and opportunities, considering the relevant changes currently interesting the financial services industry. It also provides a detailed review of theoretical and empirical literature dealing with financial conglomeration.
Bancassurance in Europe: Past, Present and Future
This book offers a comprehensive view on bancassurance from its origin to future challenges and opportunities, considering the relevant changes currently interesting the financial services industry. It also provides a detailed review of theoretical and empirical literature dealing with financial conglomeration.
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131.250000 USD

Bancassurance in Europe: Past, Present and Future

by Ornella Ricci
Hardback
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An expose on the delusion, greed, and arrogance that led to America's credit crisis The collapse of America's credit markets in 2008 is quite possibly the biggest financial disaster in U.S. history. Confidence Game: How a Hedge Fund Manager Called Wall Street's Bluff is the story of Bill Ackman's six-year ...
Confidence Game: How Hedge Fund Manager Bill Ackman Called Wall Street's Bluff
An expose on the delusion, greed, and arrogance that led to America's credit crisis The collapse of America's credit markets in 2008 is quite possibly the biggest financial disaster in U.S. history. Confidence Game: How a Hedge Fund Manager Called Wall Street's Bluff is the story of Bill Ackman's six-year campaign to warn that the $2.5 trillion bond insurance business was a catastrophe waiting to happen. Branded a fraud by the Wall Street Journal and New York Times, and investigated by Eliot Spitzer and the Securities and Exchange Commission, Ackman later made his investors more than $1 billion when bond insurers kicked off the collapse of the credit markets. * Unravels the story of the credit crisis through an engaging and human drama * Draws on unprecedented access to one of Wall Street's best-known investors * Shows how excessive leverage, dangerous financial models, and a blind reliance on triple-A credit ratings sent Wall Street careening toward disaster Confidence Game is a real world Emperor's New Clothes, a tale of widespread delusion, and one dissenting voice in the era leading up to the worst financial disaster since the Great Depression.
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17.800000 USD

Confidence Game: How Hedge Fund Manager Bill Ackman Called Wall Street's Bluff

by Christine S. Richard
Paperback / softback
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This applied study addresses the large flood exposures of Central Europe and proposes efficient financial and risk transfer mechanisms to mitigate fiscal losses from such natural catastrophes. In 2010 the V-4 Visegrad countries (i.e., Poland, Czech Republic, Hungary and Slovakia) demonstrated their historical vulnerability to floods - Poland suffered $3.2 ...
Financial and Fiscal Instruments for Catastrophe Risk Management: Addressing the Losses from Flood Hazards in Central Europe
This applied study addresses the large flood exposures of Central Europe and proposes efficient financial and risk transfer mechanisms to mitigate fiscal losses from such natural catastrophes. In 2010 the V-4 Visegrad countries (i.e., Poland, Czech Republic, Hungary and Slovakia) demonstrated their historical vulnerability to floods - Poland suffered $3.2 billion in flood related losses, comparable to it $3.5 billion of losses in 1997. Flood modeling analysis of the V-4 shows that a disaster event with a 5 percent probability in any given year can lead to economic losses in these countries of between 0.6 percent to 1.9 percent of GDP, as well as between 2.2 percent to 10.7 percent of government revenues. Larger events could quadruple such losses. The European Union Solidarity Fund is available as a mechanism for disasters but it comes into effect at only very high levels of losses, does not provide sufficient funding, and is not speedy. An insurance-like mechanism for National Governments can be tailored for country-portfolio needs for buildings, properties and critical infrastructure. By virtue of the broad territorial scope, fiscal support should use mechanisms that provide payments triggered by physical flood measurements in selected areas (rather than site-by-site losses as in the traditional insurance industry). A multi-country mechanism for insurance pooling of risks to protect infrastructure can also provide major cost efficiencies for all governments, using parametric-or index contracts. Savings from pooling can range from 25 to 33 percent of the financing costs that each country would otherwise have paid on its own. There are several instruments and options for both insurance, and debt financed mechanisms for funding catastrophes. All instruments can be analyzed based on equivalencies in terms of market spreads. A hybrid-like instrument, the catastrophe bond, is really a risk transfer instrument but structured as a debt security. The V-4 countries should therefore begin to set up the financial mechanisms to prevent major fiscal losses from future catastrophic floods and avoid fiscal disruptions when these occur. The instruments proposed can be market tested and supplemented with exacting studies on hydrology and topography used to fine tune the loss estimations per event and where property and infrastructure are exposed.|Kill the Messenger is perhaps the most thorough and authoritative work in defense of educational testing ever written. Phelps points out that much research conducted by education insiders on the topic is based on ideological preference or profound self-interest. It is not surprising that they arrive at emphatically anti-testing conclusions. Much, if not most, of this hostile research is passed on to the public by journalists as if it were neutral, objective, and independent. This volume explains and refutes many of the common criticisms of testing; describes testing opponents strategies, through case studies of Texas and the SAT; illustrates the profound media bias against testing; acknowledges testings limitations, and suggests how it can be improved; and finally, outlines the consequences of losing the war on standardized testing.
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27.250000 USD

Financial and Fiscal Instruments for Catastrophe Risk Management: Addressing the Losses from Flood Hazards in Central Europe

by John D. Pollner
Paperback / softback
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The Business Owner's Definitive Guide to Captive Insurance Companies: What You Need to Know about Formation and Management
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26.240000 USD

The Business Owner's Definitive Guide to Captive Insurance Companies: What You Need to Know about Formation and Management

by Peter J Strauss
Hardback
Book cover image
Property and Casualty Insurance License Exam Study Guide: Test Prep and Practice Questions
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43.040000 USD

Property and Casualty Insurance License Exam Study Guide: Test Prep and Practice Questions

by Trivium Test Prep, Property and Casualty Exam Prep Team
Paperback
Book cover image
Marine Investigations
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78.750000 USD

Marine Investigations

by David H Pascoe
Paperback / softback
Book cover image
National & Mandatory Flood Insurance
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133.08 USD

National & Mandatory Flood Insurance

Hardback
Book cover image
Adjuster's Life: From Resume to Payday
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11.540000 USD

Adjuster's Life: From Resume to Payday

by MR Douglas Lee Spurling
Paperback / softback
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What exactly is title insurance for a property? What does it do? What does it mean? Fundamentals of Title Insurance explains the basic elements of title insurance and gives attorneys and real estate professionals practical knowledge and tools they need to best counsel and protect their clients. Intended as a ...
Fundamentals of Title Insurance
What exactly is title insurance for a property? What does it do? What does it mean? Fundamentals of Title Insurance explains the basic elements of title insurance and gives attorneys and real estate professionals practical knowledge and tools they need to best counsel and protect their clients. Intended as a broad yet thorough overview, Fundamentals of Title Insurance explains what title insurance means, what it can and cannot do, and what the parties in a real estate deal can ask for in a transaction. Written in an accessible, user-friendly manner, this guide provides examples, practice pointers, charts and checklists throughout the text to explain key points. The author, general counsel for a nationwide title insurance company and a leading industry expert, covers all relevant topics, beginning with a general background of title insurance, its variations and common features, and typical title insurance coverage and issues. Additional topics include:* What is title insurance, and why should consumers obtain it* Explanations of the 2006 ALTA Loan Policy and the 2006 ALTA Owner's Policy* The expanded coverage residential loan policy* When to secure a short form title policy* Title insurance requirements of government-sponsored enterprises and agencies, such as Fannie Mae and Freddie Mac* Regulation of rate and forms* Types of endorsements and which ones to request* Marked-up commitments, pro forma policies, and extended coverage* Closing protection letters* Guidance for retention limits and reinsurance in commercial transaction* Specialized title insurance products, guarantees, and other products
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157.450000 USD
Paperback / softback
Book cover image
An expose on the delusion, greed, and arrogance that led to America's credit crisis The collapse of America's credit markets in 2008 is quite possibly the biggest financial disaster in U.S. history. Confidence Game: How a Hedge Fund Manager Called Wall Street's Bluff is the story of Bill Ackman's six-year ...
Confidence Game: How Hedge Fund Manager Bill Ackman Called Wall Street's Bluff
An expose on the delusion, greed, and arrogance that led to America's credit crisis The collapse of America's credit markets in 2008 is quite possibly the biggest financial disaster in U.S. history. Confidence Game: How a Hedge Fund Manager Called Wall Street's Bluff is the story of Bill Ackman's six-year campaign to warn that the $2.5 trillion bond insurance business was a catastrophe waiting to happen. Branded a fraud by the Wall Street Journal and New York Times, and investigated by Eliot Spitzer and the Securities and Exchange Commission, Ackman later made his investors more than $1 billion when bond insurers kicked off the collapse of the credit markets. * Unravels the story of the credit crisis through an engaging and human drama * Draws on unprecedented access to one of Wall Street's best-known investors * Shows how excessive leverage, dangerous financial models, and a blind reliance on triple-A credit ratings sent Wall Street careening toward disaster Confidence Game is a real world Emperor's New Clothes, a tale of widespread delusion, and one dissenting voice in the era leading up to the worst financial disaster since the Great Depression.
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16.44 USD
Hardback
Book cover image
Modern bank insurance is traced to its roots in The Chinese Cornerstone of Modern Banking: The Canton Guaranty System and the Origins of Bank Deposit Insurance 1780-1933. Frederic Delano Grant, Jr. provides new understandings of the Canton System, collective responsibility for debt at Canton, and the history of deposit insurance. ...
The Chinese Cornerstone of Modern Banking: The Canton Guaranty System and the Origins of Bank Deposit Insurance 1780-1933
Modern bank insurance is traced to its roots in The Chinese Cornerstone of Modern Banking: The Canton Guaranty System and the Origins of Bank Deposit Insurance 1780-1933. Frederic Delano Grant, Jr. provides new understandings of the Canton System, collective responsibility for debt at Canton, and the history of deposit insurance. The Canton Guaranty System inspired radical reform in New York in 1829 - the ancestor of all modern deposit insurance. Yet it was never the success imagined, and soon failed. In the Opium War, the Chinese government as implicit guarantor was forced to pay its debts in full on 23 July 1843. The afflictions of the Chinese system, including moral hazard, too big to fail, and unenforced laws, remain familiar today.
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187.950000 USD
Hardback
Book cover image
With ever increasing property-casualty risks and unabated growth in hazard-prone areas, insurers and reinsurers now envision the possibility of disaster losses of 50 to 100 billion dollars in the United States. Against this backdrop, the capitalization of the insurance and reinsurance industries has become a crucial concern. While it remains ...
The Financing of Catastrophe Risk
With ever increasing property-casualty risks and unabated growth in hazard-prone areas, insurers and reinsurers now envision the possibility of disaster losses of 50 to 100 billion dollars in the United States. Against this backdrop, the capitalization of the insurance and reinsurance industries has become a crucial concern. While it remains unlikely that a single event might entirely bankrupt these industries, a big catastrophe could place firms under severe stress, jeopardizing both policy holders and investors and causing profound ripple effects throughout the U.S. economy. This book explores the disturbing yet realistic assumption that a large catastrophic event is inevitable. The essays aim to offer means of both reassessing and raising the level of preparedness throughout the insurance and reinsurance industries.
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118.650000 USD
Hardback
Book cover image
River and coastal floods are among the nation's most costly natural disasters. One component in the nation's approach to managing flood risk is availability of flood insurance policies, which are offered on an individual basis primarily through the National Flood Insurance Program (NFIP). Established in 1968, the NFIP is overseen ...
A Community-Based Flood Insurance Option
River and coastal floods are among the nation's most costly natural disasters. One component in the nation's approach to managing flood risk is availability of flood insurance policies, which are offered on an individual basis primarily through the National Flood Insurance Program (NFIP). Established in 1968, the NFIP is overseen by the Federal Emergency Management Agency (FEMA) and there are about 5.4 million individual policies in the NFIP. The program has experienced a mixture of successes and persistent challenges. Successes include a large number of policy holders, the insurance of approximately $1.3 trillion of property, and the fact that the large majority of policy holders - 80% - pay rates that are risk based. NFIP challenges include large program debt, relatively low rates of purchase in many flood-prone areas, a host of issues regarding affordability of premiums, ensuring that premiums collected cover payouts and administrative fees, and a large number of properties that experience severe repetitive flood losses. At the request of FEMA, A Community-Based Flood Insurance Option identifies a range of key issues and questions that would merit consideration and further analysis as part of a community-based flood insurance program. As the report describes, the community-based option certainly offers potential benefits, such as the prospect of providing coverage for all (or nearly all) at-risk residents and properties in flood-prone communities. At the same time, many current challenges facing the NFIP may not necessarily be resolved by a community-based approach. This report discusses these and other prominent issues to be considered and further assessed.
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56.700000 USD

A Community-Based Flood Insurance Option

by Division on Engineering and Physical Sciences, Board on Mathematical Sciences and Their Applications, Division on Earth and Life Studies, Water Science and Technology Board
Paperback / softback
Book cover image
Foreign direct investment and private capital flows are highly concentrated geographically, with almost half of them reaching five top destinations. These flows tend to evade many high-risk countries. Regulatory and contractual risks, particularly in infrastructure, have inhibited investments in many parts of the developing world. A core objective of the ...
World Bank Group Guarantee Instruments 1990-2007: An Independent Evaluation
Foreign direct investment and private capital flows are highly concentrated geographically, with almost half of them reaching five top destinations. These flows tend to evade many high-risk countries. Regulatory and contractual risks, particularly in infrastructure, have inhibited investments in many parts of the developing world. A core objective of the World Bank Group (WBG) has been to support the flow of private investment for development; guarantees and insurance have been among the instruments that the WBG has used to pursue this objective. This study examines three main questions: should the WBG be in the guarantee business; have guarantee instruments in the three WBG institutions been used to their potential as reflected in WBG expectations and perceived demand; and, is the WBG appropriately organized to deliver its range of guarantee products in an effective and efficient manner.
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30.49 USD
Paperback / softback
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