Risk your life

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“CD alternatives” in a search engine, and you will read other websites with way more than 2 alternatives.Yeah, John. One had like 10.It’s important that you be careful what you read elsewhere.Let me ask you something. Why do you want to purchase a CD?I want my principal protected and earn a safe return.As we stated earlier, annuities and life insurance have the same risk profile as CDs. In other words, these alternatives protect your principal / investment, just like a CD.However, they offer higher interest rates. Moreover, the growth is tax deferred. In regards to life insurance, the cash value can be withdrawn income tax-free if structured properly. Some annuities and life insurance plans offer living benefits as well.That is not the case with CDs.So, these other websites list:Tech StocksBondsMutual FundsReal EstateREITSMunicipal BondsCryptoForeign currency (what?)Dividend paying stocksWhat do these all have in common?Well, John, from experience, I can lose my money.That is right. These all have the ability to lose your principal/ initial investment.However, because of the risk of losing money, they offer a potentially higher return compared to CDs, annuities, and life insurance.And, they should. Because you are undertaking a greater risk to your investment.But, with CDs, your principal is safe. So, the return is much lower.Annuities and life insurance offer the same principal protection, but they offer a higher return.These options shown on other sites are not true alternatives to CDs.Yes, you should invest in these options, especially if you have a long timeframe.However, they are not true CD alternatives.Now You Know The 2 CD Alternatives That Still Grow Your MoneyAre you looking for an investment that can offer a higher return, but still maintains the same principal protection as certificates of deposit?The CD alternatives we discussed in this article are good choices.These include:AnnuitiesLife insuranceDo you have any questions or would like more information?Feel free to contact us or use the form below.As with anything we do, we always place your interest first. That means we are not beholden to a carrier or company, but to you, and making sure the products we recommend are the right ones for your needs and situation.There is no risk of contacting us. If we can’t help you, we will point you in the right direction as best we can. You can always reach back out to us at any time. Learn More Are you interested in learning more about the information

Put aside additional money through your life insurance policy's cash value component with similar tax-deferred benefits as 401(k)s and other popular plans.Do Life Insurance Savings Accounts Have a Downside?Because permanent life insurance can be costly, the major downside to a life insurance savings account is the price. However, there are several other potential pitfalls you should watch out for, including:A policy lapse. You can typically use your life insurance savings account to satisfy premium payments. However, if you completely drain money from the account, you risk having your policy lapse.Reduced death benefits. If you borrow against your policy’s cash value and don’t pay it back in full, you may reduce the amount of the death benefit your beneficiaries receive.Forfeiture of funds: Most life insurance policies won’t pay out the cash value to your beneficiaries, so you risk losing your money if you don’t use it before you die.What Happens to Your Life Insurance Savings Account If You Die?Once your beneficiary files a death benefit claim, the cash value on your account stops growing. What happens to your remaining funds depends on the type of policy you have and the terms of your individual policy.Unfortunately, because the cash value is separate from the death benefit, your beneficiaries can't access it, and most insurance companies simply absorb any remaining funds after you die. Although some insurers offer policyholders the option of using unused funds to increase the death benefit payout through a paid-up additional insurance rider, exercising this option often comes at a cost. A representative from your insurance company can help you learn more about your policy's specific guidelines.

Overview What You'll Learn Career Programs What Students Say FAQ Overview Historical VaR for Market Risk Overview“Historical VaR for Market Risk” will equip financial professionals with the skills needed to calculate Value at Risk (VaR) using the Historical method, a widely adopted approach by financial institutions. The course covers both equity and fixed-income securities, providing a comprehensive understanding of how past returns can be used to measure market risk. Learners will gain hands-on experience through Excel-based exercises, where they will build and analyze Historical VaR models using real-life data. The course also covers essential concepts such as Price VaR, Yield VaR, and duration, with practical demonstrations to solidify understanding. By the end of the course, participants will be able to apply these techniques confidently to various financial instruments, enhancing their ability to measure market risk. Historical VaR for Market Risk Learning ObjectivesUpon completing this course, you will be able to: List reasons why the historical approach is the Value at Risk (VaR), methodology most widely used by financial institutions Calculate Historical VaR for equities in Excel using historical price data Calculate the duration for a bond and use this to estimate changes in the bond’s price Differentiate between Rate VaR and Price VaR with respect to bonds Calculate VaR for bonds in Excel using historical market dataWho Should Take This Course?This course is ideal for financial professionals, risk managers, and analysts who want to deepen their understanding of market risk assessment using the Historical VaR method. It is also suited for those seeking practical experience in applying VaR calculations to both equity and fixed income securities in real-world scenarios. What you'll learn Introduction Historical VaR for Equities Bond Pricing and Duration Historical VaR for Bonds Course Summary Qualified Assessment This Course is Part of the Following Programs Why stop here? Expand your skills and show your expertise with the professional certifications, specializations, and CPE credits you’re already on your way to earning. Risk Management Specialization Skills You’ll Gain Risk Identification, Regulatory Analysis, Risk Measurement, Risk Mitigation Great For: Market Risk Analyst, Credit Risk Analyst, Compliance Officer, consulting, Enterprise Risk Manager, Audit What Our Members Say EXCELLENT VERY CLEAR, PRACTICAL & INFORMATIVE CHRISTOFOROS KOUNTOURAKIS Historical VaR for Market Risk This course provides all the necessary knowledge required to understand the Historical VaR for Market Risk. Exercises provides enables you to use this knowledge in practical life. Kailas Kasar Historical VAR Good content and good presentation. Exam questions should be more. venugopal rajamanuri Frequently Asked Questions If you haven’t found your answer from our FAQ, please send us a message. What are the requirements to take the courses? All of our certification programs are open to students and professionals in various industries and levels of experience. Our curriculum is designed to teach what you need to know from basic fundamentals to advanced practical case studies. To take the courses and complete the exercises, students will only need access to a PC and/or Mac, Microsoft Suite (2016 or newer), and a stable internet

In the CMS Final Rule, submitting a formal risk assessment of a healthcare facility is not required, but CMS will confirm that facilities are using risk assessment methodologies. The Final Rule further clarifies that they do not require the use of any particular risk assessment procedure.NFPA 99 Section A.4.2 proposes risk assessments to follow procedures such as those outlined in the following: ISO/IEC 31010, Risk Management – Risk Assessment Techniques; NFPA 551, Guide for the Evaluation of Fire Risk Assessments; and SEMI S10-0307E, Safety Guidelines for Risk Assessment and Risk Evaluation Process. In addition to these references, the American Society for Healthcare Engineering (ASHE) offers a risk assessment tool.Early coordination is necessary to ensure that building systems and components are designed to appropriately meet the healthcare facility’s needs. This includes the establishment of a multidisciplinary team with knowledge of the facility’s space use, patient care services, clinical practices and other areas to ensure the design appropriately considers the risk category that will be applicable for the life of the building system. For example, if a healthcare facility builds a new outpatient medical building, the patient care services could be limited based on the designer’s determination of the risk category per NFPA 99.Let Us Help with Your Healthcare Facility Risk AssessmentsOur team at Jensen Hughes helps healthcare facilities with risk management and includes members on the NFPA 99 committee. Learn more about how Jensen Hughes can support your project or healthcare organization with emergency preparedness and implementing risk assessments.