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  • Sustainable Life Insurance : Managing Risk Appetite for Insurance Savings and Retirement Products
    Sustainable Life Insurance : Managing Risk Appetite for Insurance Savings and Retirement Products

    Sustainable Life Insurance: Managing Risk Appetite for Insurance Savings and Retirement Products gives an overview of all relevant aspects of traditional and non-traditional savings and retirement products from both insurers’ and policyholders’ respective risk appetites.Examples of such products include general accounts, whole life, annuities (variable, fixed and fixed indexed, structured), index-linked products, CPPI-based products, etc. The book contains technical details associated with both practice and theory, specifically related to modelling, product design, investments and risk management challenges and solutions, tailored to both insurers’ and policyholders’ perspectives. FeaturesThe book offers not only theoretical background but also concrete, cutting-edge "quick wins" across strategic and operational business axes. It will be an asset for professionals in the insurance industry, and a great teaching/learning resource for courses in risk management, insurance modelling, and more. The book highlights the operational challenges encountered across modelling, product designs and hedging.

    Price: 91.99 £ | Shipping*: 0.00 £
  • They Wish They Were Us
    They Wish They Were Us

    Gossip Girl meets One of Us is Lying in this tense, taut, unputdownable murder mystery. In Gold Coast, Long Island, everything from the expensive boutiques to the manicured beaches, to the pressed uniforms of Jill Newman and her friends, looks perfect.But as Jill found out three years ago, nothing is as it seems. Jill's best friend, the brilliant, dazzling Shaila Arnold, was killed by her boyfriend.After that dark night on the beach, Graham confessed, the case was closed, and Jill tried to move on. Now, it's Jill's senior year and she's determined to make it her best yet.After all, she's a senior and a Player - a member of Gold Coast Prep's exclusive, not-so-secret secret society.Senior Players have the best parties, highest grades and the admiration of the entire school.This is going to be Jill's year. She's sure of it. But when Jill starts getting texts proclaiming Graham's innocence, her dreams of the perfect senior year start to crumble.If Graham didn't kill Shaila, who did? Jill vows to find out, but digging deeper could mean putting her friendships, and her future, in jeopardy. In development as major HBO Max television show THE PLAYERS TABLE A fast paced, nail-biting thriller that keeps you won't be able to put down Authored by The New York Times best-selling author, Jessica Goodman Perfect for fans of Gossip Girl and One of Us is Lying

    Price: 8.99 £ | Shipping*: 3.99 £
  • They Shoot Horses, Don't They?
    They Shoot Horses, Don't They?

    The Great Depression led people to take desperate measures to survive.The marathon dance craze, which flourished at that time, seemed a simple way for people to earn extra money, dancing the hours away for cash, for weeks at a time. But the underside of that craze was a competition and violence unknown to most ballrooms.A lurid tale of dancing and desperation, Horace McCoy's classic American novel captures the dark side of the 1930s.

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  • Strongmen : How They Rise, Why They Succeed, How They Fall
    Strongmen : How They Rise, Why They Succeed, How They Fall

    'A gripping and illuminating picture of how strongmen have deployed violence, seduction, and corruption' Daniel Ziblatt, co-author of How Democracies Die'A timely analysis of how a certain kind of charisma delivers political disaster' Timothy Snyder, author of On TyrannyOurs is the age of the strongman.Countries from Russia to India, Turkey to America are ruled by men who combine populist appeal with authoritarian policy.They have reshaped their countries around them, creating cults of personality which earn the loyalty of millions. And they do so by drawing on a playbook of behaviour established by figures such as Benito Mussolini, Muammar Gaddafi and Adolf Hitler.So why - despite the evidence of history - do strongmen still hold such appeal for us?Historian Ruth Ben-Ghiat draws on analysis of everything from gender to corruption and propaganda to explain who these political figures are - and how they manipulate our own history, fears and desires in search of power at any cost.Strongmen is a fierce and perceptive history, and a vital step in understanding how to combat the forces which seek to derail democracy and seize our rights.

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  • How can one contribute to retirement savings?

    One can contribute to retirement savings by setting up a retirement account such as a 401(k) or an Individual Retirement Account (IRA) and making regular contributions to it. It is also important to take advantage of any employer-sponsored retirement plans and contribute enough to receive any matching contributions. Additionally, one can increase their retirement savings by cutting back on unnecessary expenses and increasing their income through side hustles or investments. Regularly reviewing and adjusting one's retirement savings plan to ensure it aligns with their financial goals is also crucial.

  • Would this retirement savings idea be a good one?

    It's difficult to determine if a retirement savings idea is good without knowing the specific details of the idea. Factors such as the potential return on investment, associated fees, and level of risk should be considered. Additionally, it's important to assess how the idea aligns with your overall financial goals and risk tolerance. Consulting with a financial advisor can help you evaluate the potential benefits and drawbacks of the retirement savings idea.

  • What do you think about people who make retirement savings?

    I think people who make retirement savings are wise and responsible. Planning for retirement shows that they are thinking ahead and taking control of their financial future. It's important to have a safety net for the later years in life, and saving for retirement is a proactive way to ensure financial security in the future. Overall, I believe that making retirement savings is a smart and prudent decision.

  • How can one correctly express that they have private health insurance, even though they are actually covered by statutory health insurance?

    One way to correctly express that you have private health insurance, even though you are covered by statutory health insurance, is to clarify that you have additional private coverage on top of your mandatory public insurance. You can explain that you have chosen to supplement your statutory health insurance with a private plan to access additional benefits or services. It's important to be transparent about your insurance coverage to avoid any confusion or misunderstandings.

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  • They Know Not What They Do
    They Know Not What They Do

    Winner of the 2014 Finlandia PrizeA FAMILY UNDER THREAT.A FATHER'S WORST NIGHTMARE... On the surface, Joe Chayefski has it all. A great job, a beautiful wife and two perfect daughters.But when the lab he works in as a neuroscientist is attacked, Joe is forced to face the past and reconnect with the son he abandoned twenty years earlier. As Joe struggles to deal with the sudden collision of his two lives, he soon finds he needs to take drastic action to save the people he loves.Gripping and suspenseful, They Know Not What They Do skilfully weaves together the big issues of the day- the relationship between science and ethics, and people's increasing inability to communicate - into an ambitious page-turner of a novel.

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  • They See Me Rollin' They Hatin' mug.
    They See Me Rollin' They Hatin' mug.

    Are people jealous of your pastries? Hating on your cakes? Then this is the cake t-shirt is for you.

    Price: 14.95 € | Shipping*: Free €
  • They see me Codin' they Hatin' mug.
    They see me Codin' they Hatin' mug.


    Price: 14.95 € | Shipping*: Free €
  • They Disappeared
    They Disappeared

    A GRIPPING CRIME THRILLER FULL OF STUNNING TWISTSOrla Cracken, IT whizz has disappeared.Detectives Rowan Jackman and Marie Evans soon suspect foul play.Cracken, known as Orac, is no ordinary techie; she was once a field agent traveling abroad undercover, working for the government.Meanwhile two urban explorers have mysteriously disappeared while out exploring abandoned buildings.One went missing at a disused airfield, but was it a military base, or was it civilian?The gruesome discovery of their decaying bodies in ancient church ruins bursts the case wide open, and Jackman and Evans are under pressure to find the killer. It soon becomes clear that the murderer is targeting urban explorers, but why is he determined to track down and torture these people, and how is the case connected to Orac's mysterious past?

    Price: 7.99 £ | Shipping*: 3.99 £
  • How can one buy a car if they have no savings?

    One option for buying a car with no savings is to take out a car loan from a bank or financial institution. This would allow the individual to purchase the car and make monthly payments over time. Another option is to explore financing options offered by the car dealership, such as a lease or a buy-here-pay-here program. It's important to carefully consider the terms and interest rates of any financing option to ensure it is affordable in the long run. Additionally, saving up for a down payment or looking for a more affordable used car could also be viable alternatives.

  • What experiences are there with the selection of ETFs for retirement savings?

    When selecting ETFs for retirement savings, investors have the opportunity to build a diversified portfolio with exposure to various asset classes, such as stocks, bonds, and real estate. ETFs also offer low expense ratios and tax efficiency, making them a cost-effective option for long-term investing. Additionally, the wide range of ETF options allows investors to tailor their portfolio to their risk tolerance and investment goals. However, it's important for investors to carefully research and consider the underlying holdings, expense ratios, and historical performance of ETFs before making investment decisions for their retirement savings.

  • Is there a reduction in income tax for investments in retirement savings?

    Yes, there is typically a reduction in income tax for investments in retirement savings. Contributions to retirement accounts such as 401(k)s or IRAs are often tax-deductible, meaning they can lower your taxable income for the year in which you make the contribution. This can result in a reduction in the amount of income tax you owe, providing an incentive for individuals to save for retirement. Additionally, the earnings on investments within these retirement accounts are tax-deferred, allowing your money to grow without being taxed until you withdraw it in retirement.

  • What is the flexible budgeting 2?

    Flexible budgeting 2 is a budgeting approach that allows for adjustments to the budget based on changes in activity levels. It is an improvement over the original flexible budgeting method, as it takes into account different levels of activity and adjusts the budget accordingly. This allows for better planning and decision-making, as it provides a more accurate representation of costs and revenues at different levels of production or sales. Flexible budgeting 2 is particularly useful for businesses with fluctuating activity levels, as it helps to better manage resources and expenses.

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