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| brighthouse financial mailing address for payments: Annuities For Dummies Kerry Pechter, 2023-06-14 Looking for steady retirement income? Read this book! Turning retirement savings into a steady income is a big step toward a worry-free retirement. This book introduces you to how to add annuities to your investment mix. It helps you evaluate how to select the best annuities for your needs and steer clear of the worst. You’ll learn how different types of annuities can help you turn your retirement savings into a monthly paycheck, protect your investments from market ups and downs, postpone taxes, stay in your home for the rest of your life, and even buy long-term care insurance for less.. Written by an annuity thought leader who is a frequent guest-expert on webcasts, podcasts and radio broadcasts as well as editor and publisher of Retirement Income Journal, the book offers the knowledge earned from interviews with hundreds of annuity industry insiders on their own turf. Get insight into which annuities do (or don’t) provide near-retirees and retirees with solid value. Stretch your savings into lifelong income Ask smarter questions when talking to an agent, broker or adviser Retire with less anxiety about the market Feel more in control of your financial life Annuities For Dummies is the must-have guide for anyone making retirement plans or managing their retirement savings. |
| brighthouse financial mailing address for payments: Deutsche Bank Wetfeet, 2006 |
| brighthouse financial mailing address for payments: Bank On Yourself Pamela Yellen, 2010-03-23 The Wall Street Journal, USA Today, and BusinessWeek bestseller Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future reveals the secrets to taking back control of your financial future that Wall Street, banks, and credit card companies don’t want you to know. Can you imagine what it would be like to look forward to opening your account statements because they always have good news and never any ugly surprises? More than 100,000 Americans of all ages, incomes, and backgrounds are already using Bank On Yourself to grow a nest-egg they can predict and count on, even when stocks, real estate, and other investments tumble. You’ll meet some of them and hear their stories of how Bank On Yourself has helped them reach a wide variety of short- and longterm personal and financial goals and dreams in this book. |
| brighthouse financial mailing address for payments: Directory of Corporate Counsel, 2024 Edition , |
| brighthouse financial mailing address for payments: DIRECTORY OF CORPORATE COUNSEL. , 2023 |
| brighthouse financial mailing address for payments: The Only Guide to Alternative Investments You'll Ever Need Larry E. Swedroe, Jared Kizer, 2010-05-13 The rewards of carefully chosen alternative investments can be great. But many investors don’t know enough about unfamiliar investments to make wise choices. For that reason, financial advisers Larry Swedroe and Jared Kizer designed this book to bring investors up to speed on the twenty most popular alternative investments: Real estate, Inflation-protected securities, Commodities, International equities, Fixed annuities, Stable-value funds, High-yield (junk) bonds, Private equity (venture capital), Covered calls, Socially responsible mutual funds, Precious metals equities, Preferred stocks, Convertible bonds, Emerging market bonds, Hedge funds, Leveraged buyouts, Variable annuities, Equity-indexed annuities, Structured investment products, Leveraged funds The authors describe how the investments work, the pros and cons of each, which to consider, which to avoid, and how to get started. Swedroe and Kizer evaluate each investment in terms of: Expected returns Volatility Distribution of returns Diversification potential Fees Trading and operating expenses Liquidity Tax efficiency Account location Role in an asset-allocation program Any investor who is considering or just curious about investment opportunities outside the traditional world of stocks, bonds, and bank certificates of deposit would be well-advised to read this book. |
| brighthouse financial mailing address for payments: Sustainable Life Insurance Aymeric Kalife, Ludovic Goudenège, Tan Xiaolu, Mouti Saad, Mounir Bellmane, 2023-08-18 Sustainable Life Insurance: Managing Risk Appetite for Insurance Savings and Retirement Products gives an overview of all relevant aspects of traditional and non-traditional savings and retirement products from both insurers’ and policyholders’ respective risk appetites. Examples of such products include general accounts, whole life, annuities (variable, fixed and fixed indexed, structured), index-linked products, CPPI-based products, etc. The book contains technical details associated with both practice and theory, specifically related to modelling, product design, investments and risk management challenges and solutions, tailored to both insurers’ and policyholders’ perspectives. Features The book offers not only theoretical background but also concrete, cutting-edge quick wins across strategic and operational business axes. It will be an asset for professionals in the insurance industry, and a great teaching/learning resource for courses in risk management, insurance modelling, and more. The book highlights the operational challenges encountered across modelling, product designs and hedging. |
| brighthouse financial mailing address for payments: Retirement Planning For Dummies Matthew Krantz, 2020-01-09 Advice and guidance on planning for retirement Retirement Planning For Dummies is a one-stop resource to get up to speed on the critical steps needed to ensure you spend your golden years living in the lap of luxury—or at least in the comfort of your own home. When attempting to plan for retirement, web searching alone can cause you more headaches than answers, leaving many to feel overwhelmed and defeated. This book takes the guesswork out of the subject and guides readers while they plan the largest financial obligation of their life. Take stock of your finances Proactively plan for your financial future Seek the help of professionals or go it alone Use online tools to make retirement planning easier Whether you're just starting out with a 401(k) or you’re a seasoned vet with retirement in your near future, this book helps younger and older generations alike how to plan their retirement. |
| brighthouse financial mailing address for payments: The Myth of the Free Market Mark Anthony Martinez, 2009 * Explains how the 2008 financial meltdown came about and how to revitalize global and domestic economies * Shows how capitalist economies developed and why the state matters in their functioning Free market purists claim that the state is an inefficient institution that does little for society beyond providing stability and protection. The activities related to distributing resources and economic growth, they say, are better left to the invisible hand of the marketplace. These notions now seem tragically misguided in the wake of the 2008 market collapse and bailout. Mark Martinez describes how the flawed myth of the invisible hand distorted our understanding of how modern capitalist markets developed and actually work. Martinez draws from history to illustrate that political processes and the state are not only instrumental in making capitalist markets work but that there would be no capitalist markets or wealth creation without state intervention. He brings his story up to the present day to show how the seeds of an unprecedented government intervention in the financial markets were sown in past actions. The Myth of the Free Market is a fascinating and accessible introduction to comparative economic systems as well as an incisive refutation of the standard mantras of neoclassical free market economic theory. |
| brighthouse financial mailing address for payments: Life Insurance Fact Book , 1959 |
| brighthouse financial mailing address for payments: Beyond Great Arindam Bhattacharya, Nikolaus Lang, Jim Hemerling, 2020-10-06 Great is no longer good enough. Beyond Great delivers a powerful new playbook of 9 core strategies to thrive in a post-COVID world where all the rules of the game are being re-written. Beyond Great answers to two fundamental questions which face business leaders today in a world shaped by daunting and disruptive technological, economic, and social change. First, what is outstanding performance in this new volatile era? Second, how do we build competitive advantage in a world with new and often uncertain rules? Supported by years of research and hands-on consulting practice, this book presents a comprehensive framework for building a high performing, resilient, adaptive, and socially responsible global company. The book begins by taking an incisive look at these disruptive forces transforming globalization, including economic nationalism; the boom in data flows and digital commerce; the rise of China; heightened public concerns about capitalism and the environment; and the emergence of borderless communities of digitally connected consumers. Distilled from the study of hundreds of companies and interviews with dozens of business leaders, the authors have distilled nine core strategies – the new winning playbook of the 21st century. Beyond Great argues that business leaders today must lead with a new kind of openness, flexibility and light-footedness, constantly layering in new strategies and operational norms atop existing ones to allow for always-on transformation. Leaders must master a whole new set of rules about what it takes to be global, becoming shapeshifters adept at handling contradiction, multiplicity, and nuance. This book will show them how. |
| brighthouse financial mailing address for payments: The Babylon Bee Guide to Democracy Babylon Bee, 2022-09-06 From the authors of the bestselling Babylon Bee Guide to Wokeness, and the minds behind the popular website The Babylon Bee comes a tongue-in-cheek guide to Democracy where you'll learn how to rig elections, bribe politicians, and crush your political enemies for good. In The Babylon Bee Guide to Democracy, America's favorite satirists take you into a world you might have thought was beyond parody--politics. From closed-door meetings of bureaucrats deciding the fates of millions to preposterous lies from the campaign trail, The Bee skewers our political overlords with matchless wit. In this visual guide, you’ll learn how to rig an election, how to stage an insurrection, which political party you should join, and more--everything you need to fully participate in the worst political system of all time (except for all the others). |
| brighthouse financial mailing address for payments: The Retiring Mind Robert P. Delamontagne, 2010 Delamontagne leads prospective and recent retirees on a journey of psychological, emotional, and spiritual growth to help them cope with the challenges of a difficult transition. |
| brighthouse financial mailing address for payments: The Change Monster Jeanie Daniel Duck, 2002-08-13 A Powerful Look at Corporate Change and Why Mergers, Reorganizations, and Transformations Succeed or Fail “[One of the] best business books of 2001 . . . [a] useful and intelligent tool for coping with the inevitable metamorphoses of business (and life).” —Miami Herald “Provocative imagery . . . useful questions for managers to ask themselves.” —Harvard Business Review “The Change Monster not only talks intelligently about the social dynamics and emotions of people [in change efforts], it does so with wisdom, insight, and practicality.”—Daniel Leemon, executive vice president and chief strategy officer, Charles Schwab Corporation “A practitioner’s primer on revitalization that puts you in the shoes of some who have failed and others who have succeeded. In doing so, Jeanie Daniel Duck graphically delivers her main message to management: Learn to master the emotions and obsessions of those who stand in the way of change, including your own, and once you do, you have your hands on a miraculous engine for change.” —Michael Useem, professor of management and director of the Center for Leadership and Change at the Wharton School, University of Pennsylvania, and author of The Leadership Moment and Leading Up “Duck is an acute and empathetic observer of the changes erupting in the workplace from the convulsive nature of corporate evolution. . . . Jeanie Duck’s terrific book is a . . . useful and intelligent tool for coping with the inevitable metamorphoses of business (and life). Sensitive but tough, Duck’s compassionate wisdom is street smart without a trace of glibness.” —Miami Herald |
| brighthouse financial mailing address for payments: Financial Mail , 2006-12 |
| brighthouse financial mailing address for payments: The World Almanac and Book of Facts 2024 Sarah Janssen, 2023-12-05 #1 New York Times Bestseller! Get thousands of facts at your fingertips with this essential resource: sports, pop culture, science and technology, U.S. history and government, world geography, business, and so much more. The World Almanac® is America’s bestselling reference book of all time, with more than 83 million copies sold. For more than 150 years, this compendium of information has been the authoritative source for school, library, business, and home. The 2024 edition of The World Almanac reviews the biggest events of 2023 and will be your go-to source for questions on any topic in the upcoming year. Praised as a “treasure trove of political, economic, scientific and educational statistics and information” by The Wall Street Journal, The World Almanac and Book of Facts will answer all of your trivia needs effortlessly. Features include: Special Feature: Election 2024: A new feature covers all voters need to know going into the 2024 presidential election season, including primary and caucus dates, candidate profiles, campaign finance numbers, and more. 2023—Top 10 News Topics: The editors of The World Almanac list the top stories that held the world's attention in 2023, from wildfires and earthquakes to Israel, Ukraine, and the U.S. Congress. 2023—Year in Sports: Hundreds of pages of trivia and statistics that are essential for any sports fan, featuring complete coverage of the 2022 FIFA Men's World Cup, 2023 FIFA Women's World Cup, and 2023 World Series. 2023—Year in Pictures: Striking full-color images from around the world in 2023, covering news, entertainment, science, and sports. 2023—Offbeat News Stories: The World Almanac editors found some of the strangest news stories of the year. World Almanac Editors' Picks: Time Capsule: The World Almanac lists the items that most came to symbolize the year 2023, including a Swiftie-created friendship bracelet and the House Speaker's gavel. The World at a Glance: This annual feature of The World Almanac provides a quick look at the surprising stats and curious facts that define the changing world. Other Highlights: Stats and graphics across dozens of chapters show how the pandemic continues to affect the economy, work, family life, education, and culture. Plus more new data to help understand the world, including housing costs, public schools and test scores, streaming TV and movie ratings, and much more. |
| brighthouse financial mailing address for payments: Your Strategy Needs a Strategy Martin Reeves, Knut Haanaes, 2015-05-19 You think you have a winning strategy. But do you? Executives are bombarded with bestselling ideas and best practices for achieving competitive advantage, but many of these ideas and practices contradict each other. Should you aim to be big or fast? Should you create a blue ocean, be adaptive, play to win—or forget about a sustainable competitive advantage altogether? In a business environment that is changing faster and becoming more uncertain and complex almost by the day, it’s never been more important—or more difficult—to choose the right approach to strategy. In this book, The Boston Consulting Group’s Martin Reeves, Knut Haanæs, and Janmejaya Sinha offer a proven method to determine the strategy approach that is best for your company. They start by helping you assess your business environment—how unpredictable it is, how much power you have to change it, and how harsh it is—a critical component of getting strategy right. They show how existing strategy approaches sort into five categories—Be Big, Be Fast, Be First, Be the Orchestrator, or simply Be Viable—depending on the extent of predictability, malleability, and harshness. In-depth explanations of each of these approaches will provide critical insight to help you match your approach to strategy to your environment, determine when and how to execute each one, and avoid a potentially fatal mismatch. Addressing your most pressing strategic challenges, you’ll be able to answer questions such as: • What replaces planning when the annual cycle is obsolete? • When can we—and when should we—shape the game to our advantage? • How do we simultaneously implement different strategic approaches for different business units? • How do we manage the inherent contradictions in formulating and executing different strategies across multiple businesses and geographies? Until now, no book brings it all together and offers a practical tool for understanding which strategic approach to apply. Get started today. |
| brighthouse financial mailing address for payments: Financial Accountant , 2007 |
| brighthouse financial mailing address for payments: The World Almanac and Book of Facts 2023 Sarah Janssen, 2022-12-13 #1 New York Times Bestseller! Get thousands of facts at your fingertips with this essential resource: sports, pop culture, science and technology, U.S. history and government, world geography, business, and so much more. The World Almanac® is America’s bestselling reference book of all time, with more than 83 million copies sold. For more than 150 years, this compendium of information has been the authoritative source for school, library, business, and home. The 2023 edition of The World Almanac reviews the biggest events of 2022 and will be your go-to source for questions on any topic in the upcoming year. Praised as a “treasure trove of political, economic, scientific and educational statistics and information” by The Wall Street Journal, The World Almanac and Book of Facts will answer all of your trivia needs effortlessly. Features include: Special Feature: Coronavirus Status Report: A special section provides up-to-the-minute information about the world’s largest public health crisis in at least a century. Statistical data and graphics across dozens of chapters show how the pandemic continues to affect the economy, work, family life, education, and culture. 2022 Election Results: The World Almanac provides a comprehensive look at the entire 2022 election process, including Election Day results for House, Senate, and gubernatorial races. 2022—Top 10 News Topics: The editors of The World Almanac list the top stories that held the world's attention in 2022, from the death of Queen Elizabeth to the invasion of Ukraine. 2022—Year in Sports: Hundreds of pages of trivia and statistics that are essential for any sports fan, featuring complete coverage of the Winter Olympic Games in Beijing and the 2022 World Series. World Almanac Editors' Picks: Most Memorable Rivalry Match-ups: Looking back from Coach K's final Duke-UNC face-off in 2022, The World Almanac editors created a list of all-time favorite rivalry games across sports history. 2022—Year in Pictures: Striking full-color images from around the world in 2022, covering news, entertainment, science, and sports. 2022—Offbeat News Stories: The World Almanac editors found some of the strangest news stories of the year. World Almanac Editors' Picks: Time Capsule: The World Almanac lists the items that most came to symbolize the year 2022. The World at a Glance: This annual feature of The World Almanac provides a quick look at the surprising stats and curious facts that define the changing world. |
| brighthouse financial mailing address for payments: The New Corporate Climate Leadership Edward Cameron, Emilie Prattico, 2021-12-05 This book provides a comprehensive treatment of the role of the private sector in accelerating the transition to a low-carbon, climate-resilient, and inclusive world. In the lead up to and since the historic Paris Agreement on climate change, more than 6,000 companies from 120 countries representing more than $36.5 trillion in revenue have made climate commitments. Examining this trend, The New Corporate Climate Leadership provides a clear synthesis of the relationship between the real economy and climate change and offers a state-of-the-art assessment of corporate initiatives that focus on greenhouse gas emissions reductions and the management of climate risk through enhanced resilience. It debates the relative merits of incremental and sequenced ambition versus radical systems change – including a critique of the prevailing capitalist approach to climate change – and provides an actionable guide to skills development for change-makers in the shift toward a low-carbon world. Drawing on perspectives from leading thinkers inside the private sector, across government, and within civil society to truly interrogate the scale, scope, and speed of progress, this book provides a clear vision for what the next generation of corporate climate leadership should look like. Optimistic in tone, this book will be of great interest to students, scholars, and practitioners of climate change and sustainable business. |
| brighthouse financial mailing address for payments: Marketing Machine: The Secret History of the Future of Marketing (ROI) Guy R. Powell, 2018-09-10 Marketing should be as simple as putting money into the marketing side of the machine and watching revenue spurt out the other side. But if your brand isn't what you'd like it to be, if your consumer's purchase cycle is complex or long lasting, or if your products and services don't lend themselves to being purchased online, you already know it's not that easy. Guy R. Powell, founder and president of ProRelevant, explores four critical dimensions that businesses must master to become best in class and stay best in class: - needs to be a machine. - needs to be agile. - needs to be prepared for the future. - must own the future. As marketing expands in complexity with more and more online and offline media choices, marketers must still deliver the highest revenue for the least cost with the highest level of certainty. Build the right measurement infrastructure and leverage the best information possible to profitably grow your business with Marketing Machine. |
| brighthouse financial mailing address for payments: The World Almanac and Book of Facts 2022 Sarah Janssen, 2021-12-07 A 2021 USA Today Bestseller! Get thousands of facts at your fingertips with this essential resource: business, the arts and pop culture, science and technology, U.S. history and government, world geography, sports, and so much more. The World Almanac® is America’s bestselling reference book of all time, with more than 83 million copies sold. For more than 150 years, this compendium of information has been the authoritative source for school, library, business, and home. The 2022 edition of The World Almanac reviews the biggest events of 2021 and will be your go-to source for questions on any topic in the upcoming year. Praised as a “treasure trove of political, economic, scientific and educational statistics and information” by The Wall Street Journal, The World Almanac and Book of Facts will answer all of your trivia needs effortlessly. Features include: Special Feature: Coronavirus Status Report: A special section provides up-to-the-minute information about the world’s largest public health crisis in at least a century. Statistical data and graphics across dozens of chapters show how the pandemic continues to affect the economy, work, family life, education, and culture. Special Feature: 20 Years in Afghanistan: The World Almanac provides history, data, and other context for the end of America's longest war and the future of Afghanistan and its people. 2021—Top 10 News Topics: The editors of The World Almanac list the top stories that held the world's attention in 2021. 2021—Year in Sports: Hundreds of pages of trivia and statistics that are essential for any sports fan, featuring complete coverage of the Olympic Games in Tokyo and the sports world's ongoing adaptations to the coronavirus pandemic, and much more. 2021—Year in Pictures: Striking full-color images from around the world in 2021, covering news, entertainment, science, and sports. 2021—Offbeat News Stories: The World Almanac editors found some of the strangest news stories of the year. World Almanac Editors' Picks: Time Capsule: The World Almanac lists the items that most came to symbolize the year 2021, from news and sports to pop culture. World Almanac Editors' Picks: Memorable Recent Sports Scandals: From a trash-can banging, sign-stealing scandal to the doping of horses and humans, World Almanac editors select some of the sports world's biggest black marks from the last 20 years. The World at a Glance: This annual feature of The World Almanac provides a quick look at the surprising stats and curious facts that define the changing world. The Biden Administration: Complete coverage of the presidential transition in Washington, DC, including cabinet-level leadership and the filling of other key administration roles. Other New Highlights: First data available from the 2020 Census, congressional appropriation and redistricting, and much more. |
| brighthouse financial mailing address for payments: The Imagination Machine Martin Reeves, Jack Fuller, 2021-06-08 A guide for mining the imagination to find powerful new ways to succeed. We need imagination now more than ever—to find new opportunities, rethink our businesses, and discover paths to growth. Yet too many companies have lost their ability to imagine. What is this mysterious capacity? How does imagination work? And how can organizations keep it alive and harness it in a systematic way? The Imagination Machine answers these questions and more. Drawing on the experience and insights of CEOs across several industries, as well as lessons from neuroscience, computer science, psychology, and philosophy, Martin Reeves of Boston Consulting Group's Henderson Institute and Jack Fuller, an expert in neuroscience, provide a fascinating look into the mechanics of imagination and lay out a process for creating ideas and bringing them to life: The Seduction: How to open yourself up to surprises The Idea: How to generate new ideas The Collision: How to rethink your idea based on real-world feedback The Epidemic: How to spread an evolving idea to others The New Ordinary: How to turn your novel idea into an accepted reality The Encore: How to repeat the process—again and again. Imagination is one of the least understood but most crucial ingredients of success. It's what makes the difference between an incremental change and the kinds of pivots and paradigm shifts that are essential to transformation—especially during a crisis. The Imagination Machine is the guide you need to demystify and operationalize this powerful human capacity, to inject new life into your company, and to head into unknown territory with the right tools at your disposal. |
| brighthouse financial mailing address for payments: Why the Poor Pay More Gregory D. Squires, 2004-10-30 Exposes abusive lending practices, their impact on the working poor, and what can be done to combat this insidious form of discrimination. |
| brighthouse financial mailing address for payments: Where Nobody Knows Your Name John Feinstein, 2015-03-17 Minor league baseball is quintessentially American: small towns, small stadiums, $5 tickets, $2 hot dogs, the never-ending possibility of making it big. But looming above it all is always the real deal: Major League Baseball. John Feinstein takes the reader behind the curtain into the guarded world of the minor leagues, like no other writer can. Where Nobody Knows Your Name explores the trials and travails of the inhabitants of Triple-A, focusing on nine men, including players, managers and umpires, among many colorful characters, living on the cusp of the dream. The book tells the stories of former World Series hero Scott Podsednik, giving it one more shot; Durham Bulls manager Charlie Montoya, shepherding generations across the line; and designated hitter Jon Lindsey, a lifelong minor leaguer, waiting for his day to come. From Raleigh to Pawtucket, from Lehigh Valley to Indianapolis and beyond, this is an intimate and exciting look at life in the minor leagues, where you’re either waiting for the call or just passing through. |
| brighthouse financial mailing address for payments: Mexican WhiteBoy Matt de la Peña, 2008-08-12 Newbery Award-winning and New York Times bestselling author Matt de la Peña's Mexican WhiteBoy is a story of friendship, acceptance, and the struggle to find your identity in a world of definitions. Danny's tall and skinny. Even though he’s not built, his arms are long enough to give his pitch a power so fierce any college scout would sign him on the spot. Ninety-five mile an hour fastball, but the boy’s not even on a team. Every time he gets up on the mound he loses it. But at his private school, they don’t expect much else from him. Danny’ s brown. Half-Mexican brown. And growing up in San Diego that close to the border means everyone else knows exactly who he is before he even opens his mouth. Before they find out he can’t speak Spanish, and before they realize his mom has blond hair and blue eyes, they’ve got him pegged. But it works the other way too. And Danny’s convinced it’s his whiteness that sent his father back to Mexico. That’s why he’s spending the summer with his dad’s family. Only, to find himself, he may just have to face the demons he refuses to see--the demons that are right in front of his face. And open up to a friendship he never saw coming. Matt de la Peña's critically acclaimed novel is an intimate and moving story that offers hope to those who least expect it. [A] first-rate exploration of self-identity.-SLJ Unique in its gritty realism and honest portrayal of the complexities of life for inner-city teens...De la Peña poignantly conveys the message that, despite obstacles, you must believe in yourself and shape your own future.-The Horn Book Magazine The baseball scenes...sizzle like Danny's fastball...Danny's struggle to find his place will speak strongly to all teens, but especially to those of mixed race.-Booklist De la Peña blends sports and street together in a satisfying search for personal identity.-Kirkus Reviews Mexican WhiteBoy...shows that no matter what obstacles you face, you can still reach your dreams with a positive attitude. This is more than a book about a baseball player--this is a book about life.-Curtis Granderson, New York Mets outfielder An ALA-YALSA Top Ten Best Book for Young Adults A Junior Library Guild Selection |
| brighthouse financial mailing address for payments: Financial Economics of Insurance Ralph S.J. Koijen, Motohiro Yogo, 2023-04-04 An authoritative and comprehensive graduate textbook on the modern insurance sector The traditional role of insurers is to insure idiosyncratic risk through products such as life annuities, life insurance, and health insurance. With the decline of private defined benefit plans and government pension plans around the world, insurers are increasingly taking on the role of insuring market risk through minimum return guarantees. Insurers also use more complex capital management tools such as derivatives, off-balance-sheet reinsurance, and securities lending. Financial Economics of Insurance provides a unified framework to study the impact of financial and regulatory frictions as well as imperfect competition on all insurer decisions. The book covers all facets of the modern insurance sector, guiding readers through its complexities with empirical facts, institutional details, and quantitative modeling. An up-to-date textbook for graduate students in economics, finance, and insurance Covers a broad range of topics, including insurance pricing, contract design, reinsurance, portfolio choice, and risk management Provides promising new directions for future research Can be taught in courses on asset pricing, corporate finance, industrial organization, and public economics An invaluable resource for policymakers seeking an empirical and institutional account of today’s insurance sector |
| brighthouse financial mailing address for payments: Minority Business Success Leonard Greenhalgh, James H. Lowry, 2011-02-28 In Minority Business Success, authors Leonard Greenhalgh and James Lowry chart a path for the full participation of minority businesses in the U.S. economy. Today, minorities are well on their way to becoming the majority of our workforce and a large part of our entrepreneurial endeavors; their full contribution is essential to national competitive advantage in a global economy. The beginning of this book summarizes demographic changes in America and shows why it's in the national interest to foster the survival, prosperity, and growth of minority-owned businesses. The authors outline why these businesses are vital to the solution to our current economic woes. Next, the book turns to what minority firms must do to take their place in major value chains, and, finally, the book examines what governments, corporations, and support organizations ought to be doing to foster minority inclusion. In total, Greenhalgh and Lowry lay out a new paradigm for developing minority businesses so that they can fully contribute to our national competitive advantage and prosperity. |
| brighthouse financial mailing address for payments: Mergers, Acquisitions, and Other Restructuring Activities Donald DePamphilis, 2011-08-22 Two strengths distinguish this textbook from others. One is its presentation of subjects in the contexts wherein they occur. The other is its use of current events. Other improvements have shortened and simplified chapters, increased the numbers and types of pedagogical supplements, and expanded the international appeal of examples. |
| brighthouse financial mailing address for payments: Long Bright River Liz Moore, 2020-01-07 ONE OF BARACK OBAMA'S FAVORITE BOOKS OF THE YEAR, BY THE AUTHOR OF THE THE GOD OF THE WOODS AN INSTANT NEW YORK TIMES BESTSELLER A GOOD MORNING AMERICA BOOK CLUB PICK [Moore’s] careful balance of the hard-bitten with the heartfelt is what elevates Long Bright River from entertaining page-turner to a book that makes you want to call someone you love.” – The New York Times Book Review This is police procedural and a thriller par excellence, one in which the city of Philadelphia itself is a character (think Boston and Mystic River). But it’s also a literary tale narrated by a strong woman with a richly drawn personal life – powerful and genre-defying.” – People A thoughtful, powerful novel by a writer who displays enormous compassion for her characters. Long Bright River is an outstanding crime novel… I absolutely loved it. —Paula Hawkins, #1 New York Times-bestselling author of The Girl on the Train Two sisters travel the same streets, though their lives couldn't be more different. Then one of them goes missing. In a Philadelphia neighborhood rocked by the opioid crisis, two once-inseparable sisters find themselves at odds. One, Kacey, lives on the streets in the vise of addiction. The other, Mickey, walks those same blocks on her police beat. They don't speak anymore, but Mickey never stops worrying about her sibling. Then Kacey disappears, suddenly, at the same time that a mysterious string of murders begins in Mickey's district, and Mickey becomes dangerously obsessed with finding the culprit--and her sister--before it's too late. Alternating its present-day mystery with the story of the sisters' childhood and adolescence, Long Bright River is at once heart-pounding and heart-wrenching: a gripping suspense novel that is also a moving story of sisters, addiction, and the formidable ties that persist between place, family, and fate. |
| brighthouse financial mailing address for payments: The Book of Broken Promises Bruce Kushnick, 2015-02-20 Broken Promises is the third book in a trilogy spanning 18 years. Bruce Kushnick, author, senior telecom analyst and industry insider, lays out, in all of the gory details, how America paid over $400 billion to be the first fully fiber optic-based nation yet ended up 27th in the world for high-speed Internet (40th in upload speeds). But this is only a part of this story. With over four million people filing with the FCC to 'Free the Net', one thing is abundantly clear -- customers know something is terribly wrong. Every time you pay your bills you notice that the price of your services keeps going up, you don't have a serious choice for Internet (ISP), broadband or cable service, much less competitors fighting for your business, or maybe you can't even get very fast broadband service. Worse, over the last few years, America's ISPs and cable companies have been rated the most hated companies in America. While Net Neutrality concerns (detailed in Broken Promises) are important, the actions are only a first step and will most likely be tied up in court for the next few years. More importantly, it does not resolve most of the customer issues and there is nothing else on the horizon that will fix what's broken. Broken Promises documents the massive overcharging and failure to properly upgrade the networks, the deceptive billing practices, the harms caused from a lack of competition, the gaming and manipulating of the regulatory system, from the states to the FCC, and exposes the companies' primary strategy: How much can we get away with? There has been little, if any, regard for the customers they serve.--From http://newnetworks.com/bookbrokenpromises/ --(viewed on June 12, 2015). |
| brighthouse financial mailing address for payments: Class Paul Fussell, 1992 This book describes the living-room artifacts, clothing styles, and intellectual proclivities of American classes from top to bottom. |
| brighthouse financial mailing address for payments: Investment Industry Claims Debunked Robert P. Kurshan, 2021-11-29 This book is for people who want to know what to do with the money they save: so that it’s there when they need it — to buy a home, pay for college, etc. — but also grows enough so they don’t outlive it. The investment industry is fixated on the importance of maintaining a “balance” of stocks and bonds, shifting to more bonds as one ages. This book challenges this belief by arguing that what’s actually important is to have just enough bonds and cash to support spending needs from a stable source, and to replenish these through the sale of stocks at propitious times when the stock market is not depressed. It features simple mathematical calculations, an explanation of basic financial objects like stocks, bonds, ladders, CDs, ETFs, or annuities, a discussion of how to evaluate financial risk, examinations of insurance, fraud deterrence, dollar cost averaging, benefits of a mortgage, risks of a pension, and general advice about healthcare. Although the book is written to be accessible to those with little or no prior knowledge of finance, the studies and conclusions presented here benefit a multitude of financial investors. |
| brighthouse financial mailing address for payments: Report of the Presidential Commission on the Space Shuttle Challenger Accident DIANE Publishing Company, Southgate Publishers, 1995-07 |
| brighthouse financial mailing address for payments: Culture Renovation: 18 Leadership Actions to Build an Unshakeable Company Kevin Oakes, 2021-01-12 Seize and expand the competitive edge with a smart, well-managed culture “renovation” Most business leaders understand the power of a dynamic, positive culture—but almost every effort to change culture fails. Why? The approach is often all wrong. Rather than attempt to “transform” a new culture from the ground up, leaders need to instead spearhead a culture renovation. It’s all about keeping what works, changing what needs to be changed, and ensuring proper care and maintenance—much like refurbishing and living in a beautiful historic home and improving its overall value. In Culture Renovation, the head of the world’s leading HR research firm—the Institute for Corporate Productivity (i4cp)—Kevin Oakes provides tangible, tactical insights drawn from a robust data set and informed by CEOs and HR leaders at many of the world’s top companies. You’ll find everything you need to rebuild your corporate culture with care and expertise, including: Three phases and detailed action steps for architecting the change you want to see Practical insights and examples from T-Mobile, Microsoft, 3M, and other top companies The traits of a healthy corporate culture Proven talent practices to maintain your new culture for long-term success Oakes identifies 18 proven leadership actions for turning any culture into an agile, resilient, and innovative high-performance organization. You’ll learn how to best understand the culture in place today and set a new cultural path for decades to come; develop a co-creation mindset; identify influencers and blockers; ferret out skeptics and non-believers; measure, monitor, and report progress; and implement “next practices” in talent strategies to sustain the renovation. Culture Renovation delivers everything you need to plan, build, and maintain a corporate culture that drives profits, growth, and business sustainability now and well into the future. |
| brighthouse financial mailing address for payments: Burning Bright Nick Petrie, 2017-01-10 “LOTS OF CHARACTERS GET COMPARED TO MY OWN JACK REACHER, BUT PETRIE'S PETER ASH IS THE REAL DEAL.”—Lee Child *An Entertainment Weekly Must List Pick In the new novel featuring war veteran Peter Ash, “an action hero of the likes of Jack Reacher or Jason Bourne” (Lincoln Journal-Star), Ash has a woman’s life in his hands—and her mystery is stranger than he could ever imagine. War veteran Peter Ash sought peace and quiet among the towering redwoods of northern California, but the trip isn’t quite the balm he’d hoped for. The dense forest and close fog cause his claustrophobia to buzz and spark, and then he stumbles upon a grizzly, long thought to have vanished from this part of the country. In a fight of man against bear, Peter doesn’t favor his odds, so he makes a strategic retreat up a nearby sapling. There, he finds something strange: a climbing rope, affixed to a distant branch above. It leads to another, and another, up through the giant tree canopy, and ending at a hanging platform. On the platform is a woman on the run. From below them come the sounds of men and gunshots. Just days ago, investigative journalist June Cassidy escaped a kidnapping by the men who are still on her trail. She suspects they’re after something belonging to her mother, a prominent software designer who recently died in an accident. June needs time to figure out what’s going on, and help from someone with Peter’s particular set of skills. Only one step ahead of their pursuers, Peter and June must race to unravel this peculiar mystery. What they find leads them to an eccentric recluse, a shadowy pseudo-military organization, and an extraordinary tool that may change the modern world forever. |
| brighthouse financial mailing address for payments: Mergers, Acquisitions, and Corporate Restructurings Patrick A. Gaughan, 2017-11-27 The essential M&A primer, updated with the latest research and statistics Mergers, Acquisitions, and Corporate Restructurings provides a comprehensive look at the field's growth and development, and places M&As in realistic context amidst changing trends, legislation, and global perspectives. All-inclusive coverage merges expert discussion with extensive graphs, research, and case studies to show how M&As can be used successfully, how each form works, and how they are governed by the laws of major countries. Strategies and motives are carefully analyzed alongside legalities each step of the way, and specific techniques are dissected to provide deep insight into real-world operations. This new seventh edition has been revised to improve clarity and approachability, and features the latest research and data to provide the most accurate assessment of the current M&A landscape. Ancillary materials include PowerPoint slides, a sample syllabus, and a test bank to facilitate training and streamline comprehension. As the global economy slows, merger and acquisition activity is expected to increase. This book provides an M&A primer for business executives and financial managers seeking a deeper understanding of how corporate restructuring can work for their companies. Understand the many forms of M&As, and the laws that govern them Learn the offensive and defensive techniques used during hostile acquisitions Delve into the strategies and motives that inspire M&As Access the latest data, research, and case studies on private equity, ethics, corporate governance, and more From large megadeals to various forms of downsizing, a full range of restructuring practices are currently being used to revitalize and supercharge companies around the world. Mergers, Acquisitions, and Corporate Restructurings is an essential resource for executives needing to quickly get up to date to plan their own company's next moves. |
| brighthouse financial mailing address for payments: The Financial Times Handbook of Corporate Finance Glen Arnold, 2013-08-27 The Financial Times Handbook of Corporate Finance is the authoritative introduction to the principles and practices of corporate finance and the financial markets. Whether you are an experienced manager or finance officer, or you’re new to financial decision making, this handbook identifies all those things that you really need to know: · An explanation of value-based management · Mergers and the problem of merger failures · Investment appraisal techniques · How to enhance shareholder value · How the finance and money markets really work · Controlling foreign exchange rate losses · How to value a company The second edition of this bestselling companion to finance has been thoroughly updated to ensure that your decisions continue to be informed by sound business principles. New sections include corporate governance, the impact of taxation on investment strategies, using excess return as a new value metric, up-to-date statistics which reflect the latest returns on shares, bonds and merger activities and a jargon-busting glossary to help you understand words, phrases and concepts. Corporate finance touches every aspect of your business, from deciding which capital expenditure projects are worth backing, through to the immediate and daily challenge of share holder value, raising finance or managing risk. The Financial Times Handbook of Corporate Finance will help you and your business back the right choices, make the right decisions and deliver improved financial performance. It covers the following areas: · Evaluating your firm’s objectives · Assessment techniques for investment · Traditional finance appraisal techniques · Investment decision-making in companies · Shareholder value · Value through strategy · The cost of capital · Mergers: failures and success · Merger processes · How to value companies · Pay outs to shareholders · Debt finance · Raising equity capital · Managing risk · Options · Futures, forwards and swaps · Exchange rate risk |
| brighthouse financial mailing address for payments: The New Retirement Jan Cullinane, 2022-05-03 Craft your complete retirement plan with help from this straightforward and robust blueprint In the newly revised Third Edition of The New Retirement: The Ultimate Guide to the Rest of Your Life, best-selling and award-winning retirement author Jan Cullinane delivers an organized, engaging, and holistic treatment of retirement planning. With extensive updates and additions throughout, the book includes surveys, questionnaires, and worksheets to help readers understand and apply the critical steps affecting retirement planning. In this book, you’ll also find: Fresh and informative examples from real people about all aspects of their retirement journey, from savings and tax issues to location selection to second careers/remote work, and leaving a legacy Thorough explorations of niche retirement lifestyles, established locations, and new retirement communities Discussions of critical issues affecting potential and current retirees, including health, relationships, politics, climate, demographics, and working Perfect for anyone contemplating full or phased retirement, as well as for those who are already retired, The New Retirement, 3rd edition, is an invaluable handbook for planning the penultimate chapter of your life. |
| brighthouse financial mailing address for payments: Information Needs of Communities Steven Waldman, 2011-09 In 2009, a bipartisan Knight Commission found that while the broadband age is enabling an info. and commun. renaissance, local communities in particular are being unevenly served with critical info. about local issues. Soon after the Knight Commission delivered its findings, the FCC initiated a working group to identify crosscurrent and trend, and make recommendations on how the info. needs of communities can be met in a broadband world. This report by the FCC Working Group on the Info. Needs of Communities addresses the rapidly changing media landscape in a broadband age. Contents: Media Landscape; The Policy and Regulatory Landscape; Recommendations. Charts and tables. This is a print on demand report. |
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