Technology and innovation underlie finance. In order to manage risks successfully, particularly long-term, we must pool large amounts of risk among many, diverse people and overcome barriers such as moral hazard and erroneous framing. Inventions such as insurance contracts and social security, and information technology all the way from such simple things as paper, and the postal service to modern computers have helped to manage risks and to encourage financial systems to address issues pertaining to risk. The tax and welfare system is one of the most important risk management systems.

Complete course materials are available at the Open Yale Courses website: http://open.yale.edu/courses

This course was recorded in Spring 2008.

Duration : 1:14:56

Technorati Tags: Finance, financial, Framing, hazard, innovation, Insurance, invention, Long-term, Moral, Postal, Public, risks, security, service, Social

EZ Plan helps you make ends meet financially. If you lay out your income and expenses on a calendar, EZ Plan will show you how to make ends meet by rearranging your bill due dates or by borrowing money. It calculates when you should have positive and negative balances in your account.

The main program is free, but you must download the latest update at least one time each year. You can also download scripts to use with the program such as payment calculators for fixed and adjustable rate loans, scripts that write multiple payments on your calendar such as paychecks and rent payments, or scripts to help you analyze the costs of various items that you would like to purchase, a new car, solar panels for your home, etc…

The main benefit is simple. Once you have laid out all your incomes and expenses on a calendar, EZ Plan can easily show you if an additional expense will cause you problems. It can also show you how additional income will help you get ahead.

Please visit our website, download a free copy of EZ Plan and send us your comments. Tell us about your personal projects that need cost analysis or bills that you would like us to simulate and we will help you get the most out of your EZ Plan software.

We will soon add planning modules for teachers. These new modules should help teachers take and report attendance, schedule classroom activities, reward student performances, communicate with parents and more… based on school rules and course objectives. Please stay tuned!

Our web address is:

http://sites.google.com/site/goezplan

Duration : 0:9:13

Technorati Tags: Analysis, bankruptcy, Budget, budgeting, Calculator, Calendar, Classroom, cost, Course, EZ, Finance, financial, Forecast, Forecasting, Incentive, Investment, Lesson, market, mortgage, Objectives, Organizer, personal, plan, planning, Reward, School, Simulation, Simulator, stock, Student, Teacher, Tool

Duration : 0:5:59

Technorati Tags: financial, for, long, money, plan, Safe, Term

Duration : 0:10:0

Technorati Tags: annuity, financial, Insurance, Insureez.net, long, planning, Term

Primerica allowed Roy to be his own boss, work as many or as little hours as he chose and enjoy an unlimited income potential* — all while helping families become debt free and financially independent.

Benefits of working with Primerica
•Having the potential for unlimited income*
•Helping people change their lives
•Educating families about how money works
•Having the flexibility to spend more time with family
Skills developed through Primerica
•How to build a business
•How to manage my own finances
•How to manage my time effectively

For Roy, the Primerica Opportunity was a dream come true. Today, his organization continues to grow and he is on his way to fulfilling my goals and dreams. Primerica has changed Roy Lipson’s life!

Please contact Roy Lipson for more information on the Primerica Opportunity and how you can receive a free, personalized Primerica Financial Needs Analysis.

Duration : 0:0:35

Technorati Tags: Annuities, business, Care, Consolidation, debt, Elimination, financial, Fund, home, Homeowner's, Insurance, investments, life, loans, long, mortgage, mortgages, Mutual, ny, opportunity, Plains, Primerica, Services, Term, white

Duration : 0:9:9

Technorati Tags: 401K, advisor, Annuities, bank, bear, bonds, brokerage, bull, buy, cash, certified, CFP, commodities, currency, economics, Federal, financial, fixed, Funds, gain, gold, guaranteed, hyperinflation, income, indices, inflation, Insurance, investing, Investment, IRA, Loss, management, market, monetary, money, Mutual, Pension, pensions, planner, planning, policy, rally, Reserve, retirement, savings, schiff, Scott, sell, stocks, Thomas, Tom, wealth

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:17

Technorati Tags: advice, Annuities, annuity, contracts, Expert, finances, financial, fixed, free, How, Insurance, investing, investments, planning, plans, retirement, to, Village

Duration : 0:5:10

Technorati Tags: 401K, advisor, Annuities, bank, bear, bonds, brokerage, bull, buy, cash, certified, CFP, currency, economics, Federal, financial, fixed, Funds, gain, guaranteed, income, indices, inflation, Insurance, investing, Investment, IRA, Loss, management, market, monetary, money, Mutual, Pension, pensions, planner, planning, policy, rally, Reserve, retirement, savings, Scott, sell, stocks, Thomas, Tom, wealth

Duration : 0:1:6

Technorati Tags: advice, Annuities, annuity, contracts, Expert, finances, financial, fixed, free, How, Insurance, investing, investments, planning, plans, retirement, to, Village

Duration : 0:3:34

Technorati Tags: 401K, Annuities, bond, commercial, crisis, estate, financial, foreclosures, IRA, market, pensions, real, treasuries