risk express

“Managing a Consumer Lending Business” summarizes the lore and the knowledge of the business as the new century begins. It covers many subjects a good manager should know: the importance of how to attract enough good accounts to offset the inevitable bad accounts that every lender will get, controlling line sizes, encouraging use by good customers/discouraging or controlling the bad customers, managing profitability with predictability, if he or she is to effectively run a high-volume consumer business.

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This second edition of The Limits to Certainty has been thoroughly revised and edited. A new chapter on `Facing Social Uncertainty’ has been added, while the section on `Value and Time in the Service Economy: The Notion of Utilization’ has been extended in order to include the conclusions of recent research conducted by the authors on the subject of waste prevention on the product level, i.e. making a better use of resources during the utilization of goods. The key to economic progress has always been the better allocation of resources, and the majority of resources available today are in the form of service activities. In order to measure and exploit such resources, one needs a theoretical frame of reference based on the notions of risk and uncertainty, rather than on the ‘certain’ equilibrium of the present economic system. Service means performances, in real periods of time, which means that the identification of values must be based on probabilities: the assessment of the probability and cost of a distribution of events in the future. The Limits to Certainty, with a Preface by Ilya Prigogine and a Foreword by Alexander King, is thus about the economic foundations of the Service Economy. The Limits to Certainty is published under the auspices of the Club of Rome and is, in fact, a follow-up to a report published by the Club in 1980, Dialogue on Wealth and Welfare, in which is was proposed that the limits to growth were the limits of a specific type of economic growth that had successfully been developed voer a period of two centuries. This earlier report went on to propose that a new economic growth needed to integrate economic and ecological factors, in practice as well as in theory and therefore revise the notion of economic value. This economic transition developed parallel to a growing movement at a more fundamental philosophical level favoring indeterminism against determinism: the notions of risks and uncertainty are increasingly considered as the realm of the new challenges, as compared to a perception – typical of the deterministic era – according to which risk and uncertainty reflect a level of `imperfect knowledge’ which science would or should eliminate: a positive versus a negative connotation of risk and uncertainty.

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This book is an indispensable guide to the risks of medications, environmental toxins, and herbal remedies taken during pregnancy and breastfeeding.

Since the discovery of birth defects caused by thalidomide, expectant mothers have questioned the effects of medications and other substances during pregnancy and breastfeeding.

This book offers authoritative descriptions of the risks involved during pregnancy and breast-feeding, from prescription drugs, diseases, chemicals, vitamins, herbs, foods, alcohol, cigarette smoke, recreational drugs, and other abuse substances.

Some of the topics covered:

• Tests for determining risks before conception, during pregnancy and after birth
• Charts and scores of answers to Frequently Asked Questions
• Charts of safe/unsafe medications, chemicals, vitamins, herbs and foods
• Practical advice for treating illnesses, avoiding exposure to toxic chemicals, and eating safely.

The Complete Guide to Everyday Risks in Pregnancy and Breastfeeding has information that counselors for Motherisk share two hundred times a day.

Since 1985, the Motherisk program at The Hospital for Sick Children has provided counseling based on the most up-to-date evidence research on tertatogens, substances or environmental factors that can cause birth defects. Motherisk is one of the biggest programs of its kind worldwide, counselling some 2,000 callers per week.

This book will be an invaluable reference throughout a pregnancy and while nursing.

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Today, when your fortunes can literally change overnight, the new strategic imperative is making your moment of maximum risk your moment of maximum opportunity. In The Upside, Adrian Slywotzky provides bold and original ideas for growth breakthroughs as well as the practical tools to use Monday morning, such as

•How to change the odds for your next major initiative and create potential industry breakthroughs, as Toyota did with its expanding universe of Prius vehicles.

•Shape and exploit risk, don’t be shaped by it. Become a knowledge-intensive business and continuallyincrease the knowledge gap between yourself and rivals, as Coach and Tsutaya of Japan have convincingly done.

•A category killer can’t kill what’s not in its category. When basketball legend Bill Russell faced a taller, stronger Wilt Chamberlain, he led the Celtics to victory by inventing a different game. The same thinking lets Target prosper in a Wal-Mart world—and can help you outcompete the “unbeatable” rival in your own industry.

•When you come to a fork in the road—take it! Only a fraction of companies survive when industries experience technological or strategic transitions. To be a survivor, learn the secret that enabled Microsoft to weather the advent of the Internet—the art of the double bet.

•Stuckinabusinessbox? Findthebiggerbox—and then the biggest.When growth stagnates, capture more of your customer’s dollars through demand innovation and big-box thinking, as companies from Continental AG and Ikea to Procter & Gamble have done.

•Your competitors can also be your greatest enablers of profit. Stop competing yourself to death! The key is knowing when to compete and when to collaborate, as Apple has shown with its revolutionary approach to the music business.

In the 1980s conventional wisdom was that you could have high quality or low cost, but not both—until Japanese makers of cars and electronics showed otherwise. Now, high quality and low cost are required just to enter the marketplace. Today, we face a similar paradox when it comes to risk and reward. Rather than shrink from the high risk so integral to the tumultuous global economy, Adrian Slywotzky shows how it can be your greatest source of growth and future reward.

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