
Risk Management and Resuming “Normal” Life
Risk Management: A Primer Risk management is a topic we address with clients. We talk about three basic ways to deal with risk: -Retain -Mitigate -Transfer More typically tactics used to address a risk are a combination of the three. Transference is where we use insurance companies to transfer the impact of low probability high cost events (your house burning down). Most of the time spent in this article will be on deciding how much risk we choose to retain and what mitigatio

Unemployment
There were lots of interesting conversations this week and last, but the two most common themes seemed to be around unemployment benefits (be it for client or family members) and what’s going on in the housing market. Unemployment With job losses now at historic highs, the shutdown was the latest event to highlight the differences between hourly hands-on workers and salary type desk workers. Hourly folks not deemed essential were among the first to be laid off and are n