A solid, comprehensive book that outlines the world of insurance and its intricacies.

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WHAT INSURANCE COMPANIES DON’T WANT YOU TO KNOW

AN INSIDER SHOWS YOU HOW TO WIN AT INSURANCE

In this debut business book, Erkis draws on his decades of experience in actuarial work—as well as his experience as a consumer in the insurance market—to explain the ins and outs of buying and using different types of insurance.

Erkis is thorough and straightforward in his presentation of what health, disability, life, and car insurance packages cover, how to compare them, and how to determine how much coverage is enough. With skillful use of analogy (“The restaurant uses what you ate at prior visits to arrive at a better estimate; the insurance company does the same by reviewing how many claims you have made in the past”), the guide makes underwriting and risk-management concepts comprehensible, and readers are left with a clear understanding of how the premiums they pay relate to the coverage they benefit from. With both footnotes and examples, the text offers advice that is both thorough and easy to understand, as in the comparison of low- and high-deductible premiums and payouts. Erkis is an advocate for maintaining sufficient insurance but encourages readers to take on no more coverage than they require for financial security, offering the story of his own consultation with an insurance broker as an example of smart decision-making. The book does not shy away from discussing the industry’s shortcomings (in particular, the difficulty of comparing pricing when each company offers varying benefits). It also addresses the use of insurance products as a personal finance tool, pointing out the often misleading claims customers are offered and instructing readers on how to evaluate the potential benefits of annuities and life insurance. Although the frequent reminders of topics covered in other chapters can be excessive, the writing is generally strong, clearly explaining sometimes-complex topics in straightforward language.

A solid, comprehensive book that outlines the world of insurance and its intricacies.

Pub Date: March 4, 2017

ISBN: 978-1-5423-2030-6

Page Count: 156

Publisher: CreateSpace

Review Posted Online: Aug. 1, 2017

Kirkus Reviews Issue: Sept. 15, 2017

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Occasionally wonky but overall a good case for how the dismal science can make the world less—well, dismal.

GOOD ECONOMICS FOR HARD TIMES

“Quality of life means more than just consumption”: Two MIT economists urge that a smarter, more politically aware economics be brought to bear on social issues.

It’s no secret, write Banerjee and Duflo (co-authors: Poor Economics: A Radical Rethinking of the Way To Fight Global Poverty, 2011), that “we seem to have fallen on hard times.” Immigration, trade, inequality, and taxation problems present themselves daily, and they seem to be intractable. Economics can be put to use in figuring out these big-issue questions. Data can be adduced, for example, to answer the question of whether immigration tends to suppress wages. The answer: “There is no evidence low-skilled migration to rich countries drives wage and employment down for the natives.” In fact, it opens up opportunities for those natives by freeing them to look for better work. The problem becomes thornier when it comes to the matter of free trade; as the authors observe, “left-behind people live in left-behind places,” which explains why regional poverty descended on Appalachia when so many manufacturing jobs left for China in the age of globalism, leaving behind not just left-behind people but also people ripe for exploitation by nationalist politicians. The authors add, interestingly, that the same thing occurred in parts of Germany, Spain, and Norway that fell victim to the “China shock.” In what they call a “slightly technical aside,” they build a case for addressing trade issues not with trade wars but with consumption taxes: “It makes no sense to ask agricultural workers to lose their jobs just so steelworkers can keep theirs, which is what tariffs accomplish.” Policymakers might want to consider such counsel, especially when it is coupled with the observation that free trade benefits workers in poor countries but punishes workers in rich ones.

Occasionally wonky but overall a good case for how the dismal science can make the world less—well, dismal.

Pub Date: Nov. 12, 2019

ISBN: 978-1-61039-950-0

Page Count: 432

Publisher: PublicAffairs

Review Posted Online: Aug. 29, 2019

Kirkus Reviews Issue: Sept. 15, 2019

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A timely, vividly realized reminder to slow down and harness the restorative wonders of serenity.

STILLNESS IS THE KEY

An exploration of the importance of clarity through calmness in an increasingly fast-paced world.

Austin-based speaker and strategist Holiday (Conspiracy: Peter Thiel, Hulk Hogan, Gawker, and the Anatomy of Intrigue, 2018, etc.) believes in downshifting one’s life and activities in order to fully grasp the wonder of stillness. He bolsters this theory with a wide array of perspectives—some based on ancient wisdom (one of the author’s specialties), others more modern—all with the intent to direct readers toward the essential importance of stillness and its “attainable path to enlightenment and excellence, greatness and happiness, performance as well as presence.” Readers will be encouraged by Holiday’s insistence that his methods are within anyone’s grasp. He acknowledges that this rare and coveted calm is already inside each of us, but it’s been worn down by the hustle of busy lives and distractions. Recognizing that this goal requires immense personal discipline, the author draws on the representational histories of John F. Kennedy, Buddha, Tiger Woods, Fred Rogers, Leonardo da Vinci, and many other creative thinkers and scholarly, scientific texts. These examples demonstrate how others have evolved past the noise of modern life and into the solitude of productive thought and cleansing tranquility. Holiday splits his accessible, empowering, and sporadically meandering narrative into a three-part “timeless trinity of mind, body, soul—the head, the heart, the human body.” He juxtaposes Stoic philosopher Seneca’s internal reflection and wisdom against Donald Trump’s egocentric existence, with much of his time spent “in his bathrobe, ranting about the news.” Holiday stresses that while contemporary life is filled with a dizzying variety of “competing priorities and beliefs,” the frenzy can be quelled and serenity maintained through a deliberative calming of the mind and body. The author shows how “stillness is what aims the arrow,” fostering focus, internal harmony, and the kind of holistic self-examination necessary for optimal contentment and mind-body centeredness. Throughout the narrative, he promotes that concept mindfully and convincingly.

A timely, vividly realized reminder to slow down and harness the restorative wonders of serenity.

Pub Date: Oct. 1, 2019

ISBN: 978-0-525-53858-5

Page Count: 288

Publisher: Portfolio

Review Posted Online: July 21, 2019

Kirkus Reviews Issue: Aug. 15, 2019

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