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Risk Management for Enterprises and Individuals
by Etti Baranoff Patrick Lee Brockett Yehuda KahaneThis book is intended for the Risk Management and Insurance course where Risk Management is emphasized. When we think of large risks, we often think in terms of natural hazards such as hurricanes, earthquakes or tornados. Perhaps man-made disasters come to mind such as the terrorist attacks in the U.S. on September 11, 2001. Typically we have overlooked financial crises, such as the credit crisis of 2008. However, these types of man-made disasters have the potential to devastate the global marketplace. Losses in multiple trillions of dollars and in much human suffering and insecurity are already being totaled, and the global financial markets are collapsing as never before seen. We can attribute the 2008 collapse to financially risky behavior of a magnitude never before experienced. The 2008 U.S. credit markets were a financial house of cards. A basic lack of risk management (and regulators' inattention or inability to control these overt failures) lay at the heart of the global credit crisis. This crisis started with lack of improperly underwritten mortgages and excessive debt. Companies depend on loans and lines of credit to conduct their routine business. If such credit lines dry up, production slows down and brings the global economy to the brink of deep recession or even depression. The snowballing effect of this failure to manage the risk associated with providing mortgage loans to unqualified home buyers have been profound, indeed. When the mortgages failed because of greater risk- taking on the Street, the entire house of cards collapsed. Probably no other risk-related event has had, and will continue to have, as profound an impact world wide as this risk management failure. How was risk in this situation so badly managed? What could firms and individuals have done to protect themselves? How can government measure such risks (beforehand) to regulate and control them? These and other questions come to mind when we contemplate the consequences of this risk management fiasco. Standard risk management practice would have identified sub-prime mortgages and their bundling into mortgage-backed-securities as high risk. People would have avoided these investments or would have put enough money into reserve to be able to withstand defaults. This did not happen. Accordingly, this book may represent one of the most critical topics of study that the student of the 21st century could ever undertake. Risk management will be a major focal point of business and societal decision making in the 21st century. A separate focused field of study, it draws on core knowledge bases from law, engineering, finance, economics, medicine, psychology, accounting, mathematics, statistics and other fields to create a holistic decision-making framework that is sustainable and value- enhancing. This is the subject of this book.
Risks, Controls, and Security: Concepts and Applications
by Vasant Raval Ashok FichadiaAn accountant's guide to managing control risks In today's networked world, security and risk control are no longer just the province of the IT department. Accountants and other business managers who are responsible for corporate risk management must fully understand the control and security risks that can affect the financial health of the entire organization. Risks,Controls and Security: Concepts and Applications introduces you to today's control risks and how to manage them. Beginning with basic systems controls and security awareness, the book provides you with a clear comprehension of the concepts,issues, and techniques of information security in a networked environment. Moving from theory to application, you'll cover all the key security principles that are applicable to all businesses,including e-businesses: * Enterprise risk management * Control and security frameworks * Basic cryptography and public key infrastructure * Security for operating systems, applications, database management systems, and telecommunications * Network and web security * Policy, regulation, and ethics Real-world problem scenarios and a wealth of pedagogical features--discussion questions, short exercises, example cases, and"concept maps" that help you visualize the material--ensure your confident grasp of the material and enable you to put "security into practice." Designed for practicing professionals as well as for students in accounting, business management, and computer science, Risks,Controls and Security will prepare you well for meeting the challenge of protecting information assets.
Risky Business: The Science Behind Risk-Taking (Fountas & Pinnell Classroom, Guided Reading Grade 6)
by Gemma RymerGO AHEAD, TAKE A CHANCE Daredevil, risk-taker, adventure seeker. You probably know someone, or are someone, who fits the bill. Or maybe you're the complete opposite and would rather stand with your feet firmly on the ground while your friends bungee jump off a bridge. Now, scientists offer logical explanations for why some people do incredibly risky things. NIMAC-sourced textbook
Rita the Frog Princess Fairy: A Rainbow Magic Book (The Fairy Tale Fairies #4)
by Daisy MeadowsJoin the Fairy Tale Fairies as they make sure everyone's favorite fairy tale characters get their happily ever after! Happily Ever After? Once upon a time, Rachel and Kirsty were excited to attend the special Fairy Tale Festival at TipTop Castle. But when Jack Frost steals the Fairy Tale Fairies' magic items, stories everywhere get all jumbled up. Even worse, characters from inside the books are coming to life and finding their way into the human world! Rita is hopping mad -- the goblins have hidden her magic charm and she can't find it anywhere. Only Kirsty and Rachel can help her get it back before it's too late! Find the special fairy object in each book and help save the Fairy Tale Magic!
The Rival Detective
by Walker Styles Ben WhitehouseIn this fifth Rider Woofson adventure, there's a new detective in town and he's trying to steal Rider's latest case!When there's a trouble at the Museum of Feline Art, Rider and the PI Pack arrive to find a new detective already on the scene. Wolf Growler is a super sleuth with crime-solving chops and he is paw-sitive he has this case solved. Can Rider prove that this rival detective is all bark and no bite, or will one of the PI Pack members get collared from a crime they didn't commit? With easy-to-read language and illustrations on almost every page, the Rider Woofson chapter books are perfect for emerging readers.
The Riverside Reader
by Joseph F. Trimmer Maxine HairstonThe seventh edition of The Riverside Reader, like its predecessors, presents essays by acknowledged masters of prose style, including George Orwell, Flannery O'Connor, and Maya Angelou, along with many new voices such as Judith Ortiz Cofer, Natalie Angier, John Berendt, and Wendy Lesser. Almost half of the selections are new to this edition. As always, introductions, readings, study questions, and writing assignments are simple, clear, and cogent.
Roach's Introductory Clinical Pharmacology
by Susan M. FordPrepare your students for successful practice and NCLEX-PN success with this updated 11th Edition of Roach’s Introductory Clinical Pharmacology. <p><p>Developed by nurses for nurses, this practice-oriented text not only helps students learn about drugs and their effect on real people, but also models how to relay this information to patients. Known for its impeccably accurate drug content, this bestseller focuses on basic principles and the nurse's responsibility in medication management. <p><p>The book’s easy-to-understand writing style combines with empowering online resources, including videos, NCLEX-PN-style review questions, and drug monographs, to help students hone their critical thinking and problem-solving skills as they master one of the most challenging content areas in the curriculum.
The Road Less Traveled: Seventh Grade Reader (Reading to Learn)
by Tim KennedyThe Road Less Traveled, Grade 7 Reader (Reading to Learn Series)
Road to Reading: A Program for Preventing and Remediating Reading Difficulties
by Benita A. Blachman Darlene M. TangelRoad to Reading provides a framework for providing both early intervention to prevent reading difficulties and remedial instruction for students who are struggling to learn to read.
Road to Robbery: A QUIX Book (A Miss Mallard Mystery)
by Robert QuackenbushWorld-famous duck-tective Miss Mallard goes undercover in Germany in this engaging Aladdin QUIX mystery.While on a speaking tour at military bases in the Kaiserslautern district of Southern Germany, Miss Mallard the world-famous ducktective, and her nephew, Willard Widgeon of the Swiss police, become involved in a new mystery when the medical center is robbed. Miss Mallard goes undercover as one of the staff to solve the case!
The Road to Success: Learning How to Become an Effective Negotiator
by Terry L. Boles Lon D. Moeller S. Beth BellmanThis book aimed at the undergraduate population, compares learning to negotiate to learning to drive. Like driving, negotiation is a teachable skill that involves self-assessment, situation assessment, and lots of practice. Like a driver’s education course, the reader will review some of the basic principles of negotiations – the “rules of the road” – on their road trip to negotiation success and have the opportunity to practice the art of negotiating through negotiation exercises, case studies, and discussion questions found in the online component of the book. The book navigates the terrain of distributive bargaining, (negotiating a lease, buying a car), integrative negotiations (multiple issue negotiations that focus on joint gain), preparation strategy, trust, ethics and cultural issues. It is flush with examples, cases and exercises that will educate and challenge the novice negotiator.
Road Trip East
by AbekaWhether hiking through the Allegheny National Forest in Pennsylvania or visiting the 9/11 Memorial in New York City, students are in for an exciting adventure in Road Trip East. <p><p>As they travel the four regions east of the Mississippi River, students will appreciate classic poetry by Robert Frost and illustrations by Robert Lawson, explore geographical land-scapes and historical monuments, and delight in heartwarming historical fiction and nonfiction narratives. <p><p>A variety of selections will aid in building knowledge of literary concepts. In addition, students will analyze elements of poetry such as repetition, meter, and rhyme scheme as well as the compare-contrast text structure. Students will begin to recognize, analyze, and write selections that compare and contrast two topics. Throughout the reading of this book students will be challenged to analyze the material and draw conclusions from it with thinking questions marked with an asterisk.
Road Trip Event Reader: My Little Pony (Passport to Reading Level 2)
by HasbroHit the road with your favorite ponies in this exciting leveled reader based on a special episode of My Little Pony: Friendship is Magic!The Mane Six can't wait for the Rainbow Festival in Hope Hollow! But when Twilight Sparkle and her friends arrive, they find the town and all its residents completely devoid of color. In an instant, their dream vacation starts to feel more like a nightmare! The Mane Six will have to solve the mystery behind this washed-out world if they hope to bring the "rainbow" back to the Rainbow Festival and color back to the lives of their new friends.Passport to Reading: Featuring a winning combination of favorite licensed characters and carefully controlled text--reading along or reading alone just got more fun with Passport to Reading! All books include a parent letter, word count, Guided Reading level, and number of sight words.Level 2: Reading out Loud: encourages developing readers to sound out loud, includes more complex stories with simple vocabulary.©2019 Hasbro. All Rights Reserved.
Road Trip West
by AbekaStudents will encounter inspiring native legends, daring cowboy tales, and heart-warming American classics on their Road Trip West. Travel to majestic mountains, sparkling shores, peaceful plains, and dusty deserts West of the Mississippi with the Daniels family on their thrilling Road Trip West.
Roar of the Thunder Dragon: A Branches Book (Dragon Masters #8)
by Tracey WestA mysterious Dragon Master has kidnapped the Lightning Dragon!Pick a book. Grow a Reader!This series is part of Scholastic's early chapter book line, Branches, aimed at newly independent readers. With easy-to-read text, high-interest content, fast-paced plots, and illustrations on every page, these books will boost reading confidence and stamina. Branches books help readers grow!In book #8, Drake and the rest of the Dragon Masters are searching for Lalo the baby Lightning Dragon! Lalo was kidnapped by Eko -- Griffith's first Dragon Master. Eko ran away with her Thunder Dragon, Neru, years ago. Now she's back and she wants to kidnap every dragon in the kingdom! Can Drake and the other Dragon Masters rescue Lalo and stop Eko before it's too late?
Roar of the Thunder Dragon: A Branches Book (Dragon Masters #8)
by Tracey West Damien JonesThis series is part of Scholastic's early chapter book line, Branches, aimed at newly independent readers. With easy-to-read text, high-interest content, fast-paced plots, and illustrations on every page, these books will boost reading confidence and stamina. Branches books help readers grow! <p><p> In book #8, Drake and the rest of the Dragon Masters are searching for Lalo the baby Lightning Dragon! Lalo was kidnapped by Eko -- Griffith's first Dragon Master. Eko ran away with her Thunder Dragon, Neru, years ago. Now she's back and she wants to kidnap every dragon in the kingdom! Can Drake and the other Dragon Masters rescue Lalo and stop Eko before it's too late?
