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The definitive thoughts, frameworks, and analyses on modern risk.
If you think I’m being an alarmist, I get it. Meanwhile, I just finished one of the most alarming articles I’ve ever read. In my lifetime. The title: “I’m a 37-Year-Old Mom & I Spent Seven Days Online as an 11-Year-Old Girl. Here’s What I Learned.” ONLY read this article if you require VERY graphic […]
One of the world’s oldest tour companies, Thomas Cook, abruptly announced it was going out of business yesterday. While not quite “fake news”, the advice provided by a travel expert on NBC Evening News during their report on this story can best be characterized as “glib news”. In this NBC report, consumers are advised to […]
Probably because I was in New York City on Sept 12, 2001 and not the day before , my most vivid memories of the terror attacks of 9/11/2001 are actually the result of my experiences the following day. This is not just my convenient memory; my recollections are indelible and many. On September 12, EVERYONE was […]
Although these three words are borrowed from “The Rime of the Ancient Mariner” , they capture the heartbroken sentiments many homeowners experience after a failure in their internal plumbing system has caused water to flow throughout their home. Sometimes for many hours or days. Just how common are losses like this? Research from the […]
If Mother Nature was trying to send us a message in 2017, it reminds me of the adage “When Momma ain’t happy, ain’t nobody happy”. Mountains ravaged by wildfires weaponized into a tsunami of mud, boulders, and fallen trees offers this clear message: we’d be wise to heed the lessons of the past and prepare […]
Not knowing the right questions to ask about your insurance protection is among the key reasons far too many consumers hear the dreaded words “you’re not covered” at the worse possible time — after a personal property or liability insurance loss. Not knowing what we don’t know is a dangerous and common cognitive bias that […]
It is likely old news to most insurance consumers that the National Flood Insurance Program (NFIP) administered by FEMA is plagued with challenges. Challenges as in problems. Many. Big. Problems. This excellent New York Times article provides a sobering analysis of those problems. THE BIGGEST PROBLEM: As illustrated by the excellent chart below, although […]
While the answer is a resounding YES, there is a catch. Not surprisingly, the impressive new safety features in modern vehicles first requires the driver to learn how to properly use those features. Perhaps because old habits die hard, many motorists are not deriving a benefit from each of the safety features their vehicle provides. […]
With Thanksgiving over, the New Year is fast approaching. From a personal risk management perspective, I can share there is ONE major safety risk that can be easily managed, though each day many of us willingly invite this risk into our lives – and the lives of our loved ones. Driving While Distracted is […]
A colleague once shared with me that she felt ill-prepared for an approaching hurricane, and sought some advice. Offering such advice can be problematic, as I never know quite where to start. For example, I sure don’t want to be that guy who reminds others to have the obvious items —- bottled water, batteries, flashlights, etc. Everyone […]