Description: This paper identifies and discusses issues affecting retirees’ abilities to successfully navigate medical insurance choices after their employer retiree medical insurance group benefit plan has been terminated and replaced by an outsourced health reimbursement account (HRA) providing accessibility to a stipend through eligible medical insurance claims submissions.

Description: Family structures have expanded in recent decades and so have some beneficiary forms in insurance, banking and investment accounts. This essay includes suggestions for further expansion of those little-discussed but very important forms.

Description: This essay argues against the securitization of residential mortgages. The originating lending institution should have significant skin in the game when it makes a loan, but the securitization process removes this important financial control.

Description: This essay examines the root causes of the 2008 global financial crisis precipitated by the bursting of the housing bubble. The author suggests that if fraud is not addressed, future crises, perhaps even worse, will occur.

Description: Lessons learned in the financial crisis - global ramifications and need for better financial reporting standards and market oversight.

Description: Explains how Dodd-Frank will impact activities of an insurance company in a number of ways.

Description: Describes some of the challenges to be overcome in United States regulation of systemic risk. Argues that actuarial contributions can significantly accelerate progress in systemic risk regulation.

Description: Identifying what ORSA reviewers should ask to engage discussion.

Description: Reminding that incentive compensation needs to hit the target on average, needs to have variability related to the level of control over company’s fortune and ensure people are participating.

Description: Investment Fallacies: Extended periods of robust macroeconomic growth are healthy for investing.