Do you work for a company that comes with an active risk management policy? Do you consult with companies that manage risks or should? Are you in a benefit plan that may or may not manage risks? Then, this is for you perhaps. Much has been manufactured from risk management in recent years. Let’s focus on employee advantage programs, both executive and broad-based.

Most everyone out there will some sort of risk management in most of their welfare advantage plans. Their healthcare plans are often fully covered by insurance, or if not, they at least have some type of stop-loss insurance in place. And, year they know that they can boost the employee portion of cost-sharing next.

With respect to other welfare benefits, LTD plans tend to be fully insured, life insurance programs as well. Consider them, in practically all of these plans, employers are pooling their risks. Suppose we consider retirement plans. What a trendy topic to create about: risk. The word has been out for nearly 25 years now. Escape defined benefit plans.

Diligent readers (I’m sure I’ve at least one) will recall that I had written several weeks back that one DB programs (specifically cash balance) handled properly are less dangerous than 401(k) plans from the plan sponsor standpoint. Since no one commented on this, can I presume that everyone who read it decided with me?

  • Non-control investments from as little as $2 million
  • It was setup in 1963
  • Manage your debts carefully
  • US Individual Retirement Accounts
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If you’re like the majority of people, when you’re dieting you hover around the scale constantly. Today Your biggest concern seems to be how much weight have you lost. What most people don’t seem to realize though, is that reducing your weight can be a problem. If you’re centered on losing weight, you might not realize that you’re losing the wrong weight.

The reason many trend weight-loss diets work so well or seem to, is basically because they cause you to quickly lose drinking water weight very. The human body will hold 10 pounds well worth of water weight typically approximately. Depending on your lifestyle, as well as your health status, you could actually be holding as much as 20 or 30 pounds of water weight. Crash diets are made to cause your system to lose that water weight quickly. So they appear like they’re working, because your size shows you losing weight. Other diets may cause your body to lose muscle mass. Muscle weighs more than fat, so if you start losing muscle tissue it’ll look good on the scale.

Losing muscle tissue is dangerous though, and can cause you to very ill. How much weight you lose isn’t really important, unless you are actually burning up body fat. And the scale won’t let you know if you’re losing fat. You can inform when you’re starting to get rid of fat though, because your clothes start to fit differently, and you may actually start to see the difference in … Read more