acts of god and man ruminations on risk and insurance columbia business school publishing

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Acts Of God And Man

Author : Michael Powers
ISBN : 9780231153676
Genre : Business & Economics
File Size : 27. 6 MB
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Much has been written about the ups and downs of financial markets, from the lure of prosperity to the despair of crises. Yet a more fundamental and pernicious source of uncertainty exists in today's world: the traditional “insurance” risks of earthquakes, storms, terrorist attacks, and other disasters. Insightfully exploring these "acts of God and man," Michael R. Powers guides readers through the methods available for identifying and measuring such risks, financing their consequences, and forecasting their future behavior within the limits of science. A distinctive characteristic of earthquakes, hurricanes, bombings, and other insurance risks is that they impact the values of stocks, bonds, commodities, and other market-based financial products, while remaining largely unaffected by or “aloof” from the behavior of markets. Quantifying such risks given limited data is difficult yet crucial for achieving the financing objectives of insurance. Powers begins with a discussion of how risk impacts our lives, health, and possessions and proceeds to introduce the statistical techniques necessary for analyzing these uncertainties. He then considers the experience of risk from the perspectives of both policyholders and insurance companies, and compares their respective responses. The risks inherent in the private insurance industry lead naturally to a discussion of the government's role as both market regulator and potential "insurer of last resort." Following a thoughtful and balanced analysis of these issues, Powers concludes with an interdisciplinary investigation into the nature of uncertainty, incorporating ideas from physics, philosophy, and game theory to assess science's limitations in predicting the ramifications of risk.

Contemporary Financial Intermediation

Author : Stuart I. Greenbaum
ISBN : 9780124059283
Genre : Business & Economics
File Size : 41. 34 MB
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In Contemporary Financial Intermediation, Third Edition, Greenbaum, Thakor and Boot offer a distinctive approach to financial markets and institutions, presenting an integrated portrait that puts information at the core. Instead of simply naming and describing markets, regulations, and institutions as competing books do, the authors explore the endless subtlety and plasticity of financial institutions and credit markets. This edition has six new chapters and increased, enhanced pedagogical supplements. The book is ideal for anyone working in the financial sector, presenting professionals with a comprehensive understanding of the reasons why markets, institutions, and regulators act as they do. Readers will find an unmatched, thorough discussion of the world's financial markets and how they function. Provides a distinctive and thought-provoking approach to the world's financial markets Explores the endless subtleties and plasticity of financial institutions and credit markets Newly revised, with six new chapters and increased pedagogical supplements Presents anyone working in the financial markets and sector with a comprehensive understanding of the inner workings of world markets

Ravioli Rules

Author : Alfred Manganiello
ISBN : 0988753200
Genre :
File Size : 86. 70 MB
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If you ever thought there was a parallel between food and management, you are right. The making of the Ravioli and its presentation is filled with management theories and practices. All types of leaders and managers can learn about effective management from Ravioli Rules. This book takes a new twist on management principles using the Ravioli making business as the teacher. In this whimsical and witty parable, Alfredo and Mario, now grandfathers, tell their two grandaughters, Abigail and Theresa, a story of their first Ravioli experience. For Alfredo and Mario it is deja vu. They are watching as their two little grandaughters are experiencing a Ravioli event almost identical to an event they had when they were the same age. For Alfredo and Mario, this event early in their lives catapulted them into a life altering and learning experience. Alfredo and Mario decide to share, with their grandaughters, the lessons learned from their experience. In this lifetime journey, Alfredo and Mario tell Abigail and Theresa a story of when and how the Ravioli first came into their lives. How the first denial of the Ravioli leads them to create a strategy to make sure they were not denied the Ravioli again. How the negative experience leads to their life altering decision to make their own Ravioli. As they journey through the discovery of the Ravioli, they even have to overcome obstacles from relatives who would not share the Ravioli recipe with them. When they finally make their first Ravioli they begin a period of reflection and action that leads to learning and sharing, culminating in their greatest lesson - a lifetime of Ravioli making experience. From a humble beginning, they made family sized Ravioli dishes evolving into a small catering business and eventually into a full production Ravioli operation. As a result of this Ravioli making experience, Alfredo and Mario have created a series of lessons called Ravioli Rules, which they are sharing with their grandaughters over their lifetime. Through their experiences they have created simple, entertaining and clear explanations on how to make Ravioli and manage the Ravioli makers. The two grandaughters, when they are mature, thank their grandfathers with the greatest Ravioli gift ever. You will never look at management and making Ravioli the same way ever again! Buon Appetito!

The Infatuations

Author : Javier Marias
ISBN : 9780307960733
Genre : Fiction
File Size : 54. 96 MB
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A New York Times Book Review Notable Book, NPR Great Reads, and Onion A.V. Club Best Book of 2013 Each day before work María Dolz stops at the same café. There she finds herself drawn to a couple who is also there every morning. Observing their seemingly perfect life helps her escape the listlessness of her own. But when the man is brutally murdered and María approaches the widow to offer her condolences, what began as mere observation turns into an increasingly complicated entanglement. Invited into the widow's home, she meets--and falls in love with--a man who sheds disturbing new light on the crime. As María recounts this story, we are given a murder mystery brilliantly encased in a metaphysical enquiry, a novel that grapples with questions of love and death, chance and coincidence, and above all, with the slippery essence of the truth and how it is told. This ebook edition includes a reading group guide.

Moral Mazes

Author : Robert Jackall
ISBN : 9780199729883
Genre : Business & Economics
File Size : 34. 8 MB
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This classic study of ethics in business presents an eye-opening account of how corporate managers think the world works, and how big organizations shape moral consciousness. Robert Jackall takes the reader inside a topsy-turvy world where hard work does not necessarily lead to success, but sharp talk, self-promotion, powerful patrons, and sheer luck might. What sort of everyday rules-in-use do people play by when there are no fixed standards to explain why some succeed and others fail? In the words of one corporate manager, those rules boil down to this maxim: "What is right in the corporation is what the guy above you wants from you. That's what morality is in the corporation." This brilliant, disturbing, funny look at the ethos of the corporate world presents compelling real life stories of the men and women charged with running the businesses of America. This anniversary edition includes an afterword by the author linking the themes of Moral Mazes to the financial tsunami that engulfed the world economy in 2008.

The Economics And Politics Of Choice No Fault Insurance

Author : Edward L. Jr. Lascher
ISBN : 0792374673
Genre : Business & Economics
File Size : 47. 60 MB
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In recent years, choice no-fault has emerged as a popular but controversial proposal for addressing the problem of high automobile insurance rates. Choice plans offer consumers the option of a lower-cost insurance policy with restrictions on filing lawsuits or a higher-cost policy with full tort rights. Some American states have implemented choice programs, and major federal choice legislation is now pending in the United States Congress. Choice no-fault has caught the attention of policy makers, the insurance industry, and academics. Until now, however, no single book has pulled together the available research on the topic. The Economics and Politics of Choice No-Fault Insurance fills that gap. Edited by scholars from different disciplines, each of whom has written extensively on automobile insurance issues, the book includes some of the best work in the area. Former Massachusetts Governor and presidential candidate Michael S. Dukakis wrote the foreword. Contributors include University of Virginia Law Professor Jeffrey O'Connell, widely considered the `father of no-fault,' as well as authors of the influential RAND study of the potential effects of choice no-fault on insurance rates. The book chapters, most of which were written especially for this volume, cover topics ranging from the impact of choice no-fault on accidents and driving behavior, to the effects of choice on medical care usage, to alternative approaches for resolving accidents involving both `no-fault' and `tort' electors, to the political feasibility of choice legislative proposals. Emphasis on the potential advantages of choice no-fault is balanced by consideration of possible ill effects.

Capitalism 3 0

Author : Peter Barnes
ISBN : 9781626563933
Genre : BUSINESS & ECONOMICS
File Size : 67. 23 MB
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The commons — those creations of nature and society we inherit together and must preserve for our children — is under siege. Our current version of capitalism — the corporate, globalized version 2.0 — is rapidly squandering this heritage. Now, Peter Barnes offers a solution: protect the commons by giving it property rights and strong institutional managers. Barnes shows how capitalism — like a computer — is run by an operating system. Our current operating system gives too much power to profit-maximizing corporations that devour the commons and distribute most of their profits to a sliver of the population. And government — which in theory should defend the commons — is all too often a tool of those very corporations. Barnes proposes a revised operating system — Capitalism 3.0 — that protects the commons while preserving the many strengths of capitalism as we know it. His major innovation is the commons trust, a market based legal entity with the power to limit the use of scare commons, charge rent, and pay dividends — in both cash and services — to everyone. In Barnes' vision, an array of commons trusts would institutionalize our obligations to future generations, fellow citizens, and nature. Once established, they'd use markets and property rights to create a better world for us all. Capitalism 3.0 offers a practical alternative to our current flawed economic system. It points the way to a future in which we can retain capitalism's virtues while mitigating its vices.

Beyond The Metropolis

Author : Louise Young
ISBN : 9780520275201
Genre : History
File Size : 52. 55 MB
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In Beyond the Metropolis, Louise Young looks at the emergence of urbanism in the interwar period, a global moment when the material and ideological structures that constitute “the city” took their characteristic modern shape. In Japan, as elsewhere, cities became the staging ground for wide ranging social, cultural, economic, and political transformations. The rise of social problems, the formation of a consumer marketplace, the proliferation of streetcars and streetcar suburbs, and the cascade of investments in urban development reinvented the city as both socio-spatial form and set of ideas. Young tells this story through the optic of the provincial city, examining four second-tier cities: Sapporo, Kanazawa, Niigata, and Okayama. As prefectural capitals, these cities constituted centers of their respective regions. All four grew at an enormous rate in the interwar decades, much as the metropolitan giants did. In spite of their commonalities, local conditions meant that policies of national development and the vagaries of the business cycle affected individual cities in diverse ways. As their differences reveal, there is no single master narrative of twentieth century modernization. By engaging urban culture beyond the metropolis, this study shows that Japanese modernity was not made in Tokyo and exported to the provinces, but rather co-constituted through the circulation and exchange of people and ideas throughout the country and beyond.

Sacred Economics

Author : Charles Eisenstein
ISBN : 9781583943984
Genre : Political Science
File Size : 39. 66 MB
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Sacred Economics traces the history of money from ancient gift economies to modern capitalism, revealing how the money system has contributed to alienation, competition, and scarcity, destroyed community, and necessitated endless growth. Today, these trends have reached their extreme—but in the wake of their collapse, we may find great opportunity to transition to a more connected, ecological, and sustainable way of being. This book is about how the money system will have to change—and is already changing—to embody this transition. A broadly integrated synthesis of theory, policy, and practice, Sacred Economics explores avant-garde concepts of the New Economics, including negative-interest currencies, local currencies, resource-based economics, gift economies, and the restoration of the commons. Author Charles Eisenstein also considers the personal dimensions of this transition, speaking to those concerned with "right livelihood" and how to live according to their ideals in a world seemingly ruled by money. Tapping into a rich lineage of conventional and unconventional economic thought, Sacred Economics presents a vision that is original yet commonsense, radical yet gentle, and increasingly relevant as the crises of our civilization deepen. Sacred Economics official website: http://sacred-economics.com/ About the Imprint: EVOLVER EDITIONS promotes a new counterculture that recognizes humanity's visionary potential and takes tangible, pragmatic steps to realize it. EVOLVER EDITIONS explores the dynamics of personal, collective, and global change from a wide range of perspectives. EVOLVER EDITIONS is an imprint of North Atlantic Books and is produced in collaboration with Evolver, LLC. From the Trade Paperback edition.

The Occupy Handbook

Author : Janet Byrne
ISBN : 9780316220200
Genre : Business & Economics
File Size : 71. 89 MB
Format : PDF
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Analyzing the movement's deep-seated origins in questions that the country has sought too long to ignore, some of the greatest economic minds and most incisive cultural commentators - from Paul Krugman, Robin Wells, Michael Lewis, Robert Reich, Amy Goodman, Barbara Ehrenreich, Gillian Tett, Scott Turow, Bethany McLean, Brandon Adams, and Tyler Cowen to prominent labor leaders and young, cutting-edge economists and financial writers whose work is not yet widely known - capture the Occupy Wall Street phenomenon in all its ragged glory, giving readers an on-the-scene feel for the movement as it unfolds while exploring the heady growth of the protests, considering the lasting changes wrought, and recommending reform. A guide to the occupation, THE OCCUPY HANDBOOK is a talked-about source for understanding why 1% of the people in America take almost a quarter of the nation's income and the long-term effects of a protest movement that even the objects of its attack can find little fault with.

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