RISK IS UNCERTAINTY AS TO LOSS… RISK IS OMNIPRESENT AND ALL PERVASIVE… INSURANCE PROTECTS AGAINST THE ECONOMIC LOSS CAUSED BY RISK This book provides an actionable approach to the functions of the insurance industry in an easy to use examination of property, liability, life and health insurance coverages plus information on the basics of a risk management program.

The Dynamics of Retirement is an in depth look at what has to happen BEFORE RETIREMENT. It's written specifically for members of Generation X, and especially those nearer retirement. Remember, retirement for most of us can last as long as our working lives, so your answers to the 8 critical questions will become increasingly relevant. When do you WANT to retire? How LONG will you live? When should you apply for Social Security benefits? You'll find 8 and many more questions needing answers...

Most of us, if we're not already, expect at some point to become a ‘retired’ person. In this book, you'll find a dozen or more ideas to help you navigate the financial side of your life going forward. Unless you plan to live alone on a mountain top, or you’re among the few who win a significant sum in a lottery, finding yourself in retirement with less than enough money is a painful outcome. The ideas I've shared in this ebook will help you accelerate your financial goals and, by extension...

A practical support plan to help you take control of your alcohol intake, with tools to track progress, deal with triggers, social stresses, and stay on track for the long term.Fed up with hangovers? Worried about your health or your bank balance? Or just want to feel your best every day of the week? Without preaching or waffling, How to Be a Mindful Drinker will help you to understand your drinking behaviour and plan your self-moderation goals.Dra...

Succession Planning for Insurance ProfessionalsExperienced financial professionals Tami Romanchuk, CFP®, CLU®, and Lori Power, GBA, CEPA wrote this book with the goal of providing a comprehensive guide for insurance professionals looking to navigate the complexities of succession planning. Succession planning is not just about a future corporate sale, but about building a well-run, valuable, and sustainable business from the start.Key topics covered include...

The 2026 Field Guide addresses estate planning, retirement planning, business planning, and employee benefits in four distinct sections. It includes practical advice on applying the latest legislation and case law, and it incorporates projected inflation adjustments for 2026. Supportive charts accompany complex topics to clarify essential concepts. State-by-state summaries cover sales tax rates, capital gains rates, and estate/inheritance tax rates.

The 2025 Field Guide to Estate Planning, Business Planning & Employee Benefits provides a ready means of identifying and understanding the concepts and techniques used in estate planning, retirement planning, business planning and employee benefits. The 2025 edition has been completely reorganized. The topics previously covered in Part IV have been incorporated into the four main areas so there is no longer a need to flip back and forth in the book. Numerous drawi...

CapAlt Risk Solutions is a special purpose financial strategy designed to optimize operational business risk insurance. Every business enterprise, across all industry categories, is exposed to operational business risks. These risks can be numerous, with some of low frequency but potentially dramatic negative outcomes, and others with higher frequency but smaller negative outcomes. The challenge for every business owner is to decide which risks to insure against and which ones to ignore or...

Who do business owners, entrepreneurs, and professionals learn from? The movers and shakers who’ve successfully charted the same waters. Author Milan Topolovec introduces such pioneers in The 10 People You Meet in Business, his compilation of like-minded innovators and leaders who’ve contributed personal anecdotes of building, owning, and running businesses. When Topolovec started his company, he had no mentors; now, in this book, he provides them to the next generation of entrepreneurs.

The bustling village of Shine Clan has a bit of a wolf problem. Their precious crystal mine has fierce and terrifying howls emanating from it at odd hours, which certainly makes life very difficult for their miners, what with all the screaming and panicking. Thus, the village decides to send in a young girl to investigate, promising her that her ailing mother would be cared for in exchange.But when the girl descends into the mine, she realizes that the source of the howls is not

Why are most people not financially secure? It is because the government, banks, and big corporations are working extremely hard to take away as much of your money as possible. In addition, we let friends, family, and current events dictate how we should handle our monetary affairs. This causes us to make our own mistakes financially. In other words, we give up control. With One-Step Financial Success, you will learn how to • accumulate a large tax-free education fund for your children and...

Job Optional is a thoughtful and down to earth guide to retirement planning that offers unbiased, commonsense advice based upon the author’s experience as a retirement planning professional. It offers both a primer to the financial world as well as a step-by-step guide to planning your own retirement. It is written in terms that a newcomer to investing can understand while providing all the pertinent information necessary to make informed financial decisions. It acts as a primer that takes...