<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress/2.2.1" -->
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	>

<channel>
	<title>For Your Consideration</title>
	<link>http://blog.marcd.com</link>
	<description>Everything's Wonderful Until the Risk "Shows Up"!</description>
	<pubDate>Fri, 14 Nov 2008 18:48:09 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.2.1</generator>
	<language>en</language>
			<item>
		<title>The Cost of Uncertainty</title>
		<link>http://blog.marcd.com/2008/11/07/the-cost-of-uncertainty/</link>
		<comments>http://blog.marcd.com/2008/11/07/the-cost-of-uncertainty/#comments</comments>
		<pubDate>Fri, 07 Nov 2008 13:02:39 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/11/07/the-cost-of-uncertainty/</guid>
		<description><![CDATA[
&#8220;What we anticipate seldom occurs; what we least expect generally happens.&#8221;- British prime minister and novelist Benjamin Disraeli.
Risk managers understand that there is a price (or cost) to uncertainty. For example: money spent on a loss which did not occur was still spent. But you don&#8217;t have to be a &#8220;risk manager&#8221; to understand this, [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/11/07/the-cost-of-uncertainty/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Assessing Equity Exposures</title>
		<link>http://blog.marcd.com/2008/10/24/assessing-equity-exposures/</link>
		<comments>http://blog.marcd.com/2008/10/24/assessing-equity-exposures/#comments</comments>
		<pubDate>Fri, 24 Oct 2008 17:01:09 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/10/24/assessing-equity-exposures/</guid>
		<description><![CDATA[
Back in 2002, I was spending my time full-time educating myself as to the academic underpinnings of markets. I was uncomfortable investing with alleged financial experts without having a basic understanding of the language of and the basis for their investment ideas and techniques.
One of the very first things I learned was that according to [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/10/24/assessing-equity-exposures/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Wall Street Bailout in terms of Regulatory Risk</title>
		<link>http://blog.marcd.com/2008/09/27/the-wall-street-bailout-in-terms-of-regulatory-risk/</link>
		<comments>http://blog.marcd.com/2008/09/27/the-wall-street-bailout-in-terms-of-regulatory-risk/#comments</comments>
		<pubDate>Sun, 28 Sep 2008 00:15:05 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/09/27/the-wall-street-bailout-in-terms-of-regulatory-risk/</guid>
		<description><![CDATA[Regulatory risk is usually considered as a change in laws and/or regulations that will materially (negatively) impact a business or a business operation. In some cases, it can also refer to noncompliance with governmental regulations, such as in environmental liability exposures. But today let&#8217;s consider the soon to be announced $700B &#8220;Wall Street&#8221; bailout in terms [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/09/27/the-wall-street-bailout-in-terms-of-regulatory-risk/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Bad Timing</title>
		<link>http://blog.marcd.com/2008/09/23/bad-timing/</link>
		<comments>http://blog.marcd.com/2008/09/23/bad-timing/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 11:02:04 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/09/23/bad-timing/</guid>
		<description><![CDATA[Good day, boys and girls!
While the stock market is trying to figure out what it wants to be when it grows up and the media is hyping the panic game as shown in the graphic below, it might be helpful to close your eyes, take a step back, a deep breath and relax. (Double-click on [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/09/23/bad-timing/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Market Capitulation Bewitching Hour is Nigh</title>
		<link>http://blog.marcd.com/2008/09/18/market-capitulation-bewitching-hour-is-nigh/</link>
		<comments>http://blog.marcd.com/2008/09/18/market-capitulation-bewitching-hour-is-nigh/#comments</comments>
		<pubDate>Thu, 18 Sep 2008 13:21:30 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/09/18/market-capitulation-bewitching-hour-is-nigh/</guid>
		<description><![CDATA[Recalling a prior post (which recalled the &#8220;Death of Equities&#8221; from a prior era) is instructive if you can keep your wits about you. While pop psychologists and new agers repeat the oft seen &#8220;Danger + Opportunity = Crisis&#8221; it isn&#8217;t quite so. Risk is real. Market risk is real. And what we are seeing [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/09/18/market-capitulation-bewitching-hour-is-nigh/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Whither AIG?</title>
		<link>http://blog.marcd.com/2008/09/16/whither-aig/</link>
		<comments>http://blog.marcd.com/2008/09/16/whither-aig/#comments</comments>
		<pubDate>Tue, 16 Sep 2008 18:56:26 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Small Business]]></category>

		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/09/16/whither-aig/</guid>
		<description><![CDATA[
OK, as of today, the Fed has said to Lehman, &#8220;NO SOUP FOR YOU!&#8220;, and they are now at the mercy of a bankruptcy court. Merrill Lynch ceases to exist as an independent investment bank and will be swallowed up by Bank of America.
Now, we are witnessing the potential of the bankruptcy of AIG, American [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/09/16/whither-aig/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Financial skullduggery</title>
		<link>http://blog.marcd.com/2008/09/14/financial-skullduggery/</link>
		<comments>http://blog.marcd.com/2008/09/14/financial-skullduggery/#comments</comments>
		<pubDate>Sun, 14 Sep 2008 16:22:25 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/09/14/financial-skullduggery/</guid>
		<description><![CDATA[Now that the US taxpayer is now bailing out Fannie Mae, Freddie Mac and the home-debtor speculators (not to mention all the banks that are being liquidated by the FDIC) it might be a good time to ask this question: Who&#8217;s going to bail out the US taxpayer?
But wait, there&#8217;s more!  Why not bail out [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/09/14/financial-skullduggery/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What&#8217;s the game?</title>
		<link>http://blog.marcd.com/2008/09/02/whats-the-game/</link>
		<comments>http://blog.marcd.com/2008/09/02/whats-the-game/#comments</comments>
		<pubDate>Wed, 03 Sep 2008 01:06:35 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/09/02/whats-the-game/</guid>
		<description><![CDATA[
Five short minutes containing audio of the late comedian Bill Hicks, video of Carl Sagan, and some Hendrix against a down-tempo, ambient dub music backdrop. Enjoy.
The game is to find out what you already are.
]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/09/02/whats-the-game/feed/</wfw:commentRss>
		</item>
		<item>
		<title>God is sending Mr. Acheson a message.</title>
		<link>http://blog.marcd.com/2008/08/25/god-is-sending-mr-acheson-a-message/</link>
		<comments>http://blog.marcd.com/2008/08/25/god-is-sending-mr-acheson-a-message/#comments</comments>
		<pubDate>Mon, 25 Aug 2008 23:18:42 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/08/25/god-is-sending-mr-acheson-a-message/</guid>
		<description><![CDATA[
Today, the New York Post ran a story that simply mystified me. It was entitled, &#8220;Samaritan Trucker Fired&#8221; and tells the story of a man named John Acheson who was fired from his job at Sid Wainer and Son  a Massachusetts based specialty food purveyor, for essentially being a good samaritan.
According to the news report:
1. [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/08/25/god-is-sending-mr-acheson-a-message/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Ursus Head</title>
		<link>http://blog.marcd.com/2008/08/17/ursus-head/</link>
		<comments>http://blog.marcd.com/2008/08/17/ursus-head/#comments</comments>
		<pubDate>Sun, 17 Aug 2008 16:41:41 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Fun]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/08/17/ursus-head/</guid>
		<description><![CDATA[&#8220;Ursus Head&#8221; would make a great name for a garage band, wouldn&#8217;t it?  The name&#8217;s from a small cape located in the bucolic Kenai Peninsula, near Iniskin and Pile Bay Village in southcentral Alaska. (If you click on the link, &#8220;zoom out&#8221; about 8-10 times and click on the &#8220;satellite&#8221; button for full effect!) It&#8217;s [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/08/17/ursus-head/feed/</wfw:commentRss>
		</item>
		<item>
		<title>These times were made for new business start-ups.</title>
		<link>http://blog.marcd.com/2008/07/26/these-times-were-made-for-new-business-start-ups/</link>
		<comments>http://blog.marcd.com/2008/07/26/these-times-were-made-for-new-business-start-ups/#comments</comments>
		<pubDate>Sun, 27 Jul 2008 02:12:13 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/07/26/these-times-were-made-for-new-business-start-ups/</guid>
		<description><![CDATA[To borrow from Nancy Sinatra (of &#8220;These boots were made for walking&#8221; fame), &#8220;These times were made for new business startups!&#8221; It&#8217;s absolutely true: Ironically, times of economic slowdown are some of the best times for starting up a new business. I know it sounds counter-intuitive, but let me make my case with the following [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/07/26/these-times-were-made-for-new-business-start-ups/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Courage is what we need now</title>
		<link>http://blog.marcd.com/2008/07/04/courage-is-what-we-need-now/</link>
		<comments>http://blog.marcd.com/2008/07/04/courage-is-what-we-need-now/#comments</comments>
		<pubDate>Fri, 04 Jul 2008 14:28:26 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/07/04/courage-is-what-we-need-now/</guid>
		<description><![CDATA[People tend to see the world in a &#8220;half-empty&#8221; way, tending to focus on the negative rather than the positive. I suppose that&#8217;s just a human nature thing and it&#8217;s not going away anytime soon. And we&#8217;ve all got good reason to feel this way right now: we&#8217;re in a political and financial malaise and [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/07/04/courage-is-what-we-need-now/feed/</wfw:commentRss>
		</item>
		<item>
		<title>This too, shall pass.</title>
		<link>http://blog.marcd.com/2008/06/15/this-too-shall-pass/</link>
		<comments>http://blog.marcd.com/2008/06/15/this-too-shall-pass/#comments</comments>
		<pubDate>Mon, 16 Jun 2008 01:49:35 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/06/15/this-too-shall-pass/</guid>
		<description><![CDATA[We have limited time on this earth and some of us see fewer years than others.
It&#8217;s comforting to know that no matter the &#8220;anguish of the moment&#8221; we are going through and how insurmountable it all appears, this too shall pass. But it&#8217;s also a warning when the inverse of that proposition is analyzed: No matter how [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/06/15/this-too-shall-pass/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A strategy for evaluating insurance deductibles.</title>
		<link>http://blog.marcd.com/2008/06/10/a-strategy-for-evaluating-insurance-deductibles/</link>
		<comments>http://blog.marcd.com/2008/06/10/a-strategy-for-evaluating-insurance-deductibles/#comments</comments>
		<pubDate>Tue, 10 Jun 2008 18:35:16 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/06/10/a-strategy-for-evaluating-insurance-deductibles/</guid>
		<description><![CDATA[
OK, today let me drop a little insurance strategy on you to help you &#8220;evaluate your insurance premium savings quantitatively by increasing your risk retention&#8221;.
Got that? That&#8217;s a real &#8220;fancy-pants&#8221; way of saying, &#8220;save money by increasing your deductible&#8221;, but now you can sound important-like and impress your insurance-geek friends. Just one word of caution: [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/06/10/a-strategy-for-evaluating-insurance-deductibles/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A &#8220;simple&#8221; way to invest for a short term goal</title>
		<link>http://blog.marcd.com/2008/06/03/a-simple-way-to-invest-for-a-short-term-goal/</link>
		<comments>http://blog.marcd.com/2008/06/03/a-simple-way-to-invest-for-a-short-term-goal/#comments</comments>
		<pubDate>Tue, 03 Jun 2008 15:32:49 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/06/03/a-simple-way-to-invest-for-a-short-term-goal/</guid>
		<description><![CDATA[
Just because something is simple, does not make it simplistic, which almost always is used to connote something negatively. And just because you like to keep things simple, does not make you a simpleton. I am amazed at how some people want to overdo the simplest of things, as if by employing the complex strategy [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/06/03/a-simple-way-to-invest-for-a-short-term-goal/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Buying groceries TODAY: inflation hedge?</title>
		<link>http://blog.marcd.com/2008/06/01/buying-groceries-today-inflation-hedge/</link>
		<comments>http://blog.marcd.com/2008/06/01/buying-groceries-today-inflation-hedge/#comments</comments>
		<pubDate>Sun, 01 Jun 2008 12:00:09 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/06/01/buying-groceries-today-inflation-hedge/</guid>
		<description><![CDATA[
Have you been to the grocery store lately? Erosion of the value of the dollar is not only present in the increase in the cost of energy, but also in the dramatic increase in the cost of our basic family food needs since late last year, as our economy started to unwind.
Like almost everyone I [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/06/01/buying-groceries-today-inflation-hedge/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A &#8220;final&#8221; modest proposal</title>
		<link>http://blog.marcd.com/2008/05/31/a-final-modest-proposal/</link>
		<comments>http://blog.marcd.com/2008/05/31/a-final-modest-proposal/#comments</comments>
		<pubDate>Sat, 31 May 2008 19:36:57 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Fun]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/05/31/a-final-modest-proposal/</guid>
		<description><![CDATA[This post marks the end of my trilogy of modest proposals dealing with our oil dependency.
This morning I was reading new forum posts on brokeroutpost.com. This website is a for mortgage professionals - it&#8217;s very enlightening to see the mortgage crisis from the mortgage broker perspective.
One of the forum posts was on the topic of [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/05/31/a-final-modest-proposal/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Another modest proposal</title>
		<link>http://blog.marcd.com/2008/05/13/another-modest-proposal/</link>
		<comments>http://blog.marcd.com/2008/05/13/another-modest-proposal/#comments</comments>
		<pubDate>Tue, 13 May 2008 12:04:12 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Fun]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/05/13/another-modest-proposal/</guid>
		<description><![CDATA[ It&#8217;s been a while since we&#8217;ve added a new state to the union (Hawaii in August, 1959). Lately I&#8217;ve begun to think that maybe we should start thinking about the political process of adding Iraq as our 51st state. Let me plainly state my case:
1. It would solve the &#8220;pesky&#8221; and on-going problem of [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/05/13/another-modest-proposal/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A modest proposal</title>
		<link>http://blog.marcd.com/2008/05/13/a-modest-proposal/</link>
		<comments>http://blog.marcd.com/2008/05/13/a-modest-proposal/#comments</comments>
		<pubDate>Mon, 12 May 2008 23:59:23 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/05/13/a-modest-proposal/</guid>
		<description><![CDATA[

With oil prices currently at around $125 per barrel, it is difficult to believe the US government&#8217;s calculation that inflation is currently at 3.98%.
It occurred to me that if our wages were indexed to the price of oil, perhaps it wouldn&#8217;t be so bad. So, imagine if you will, that you were making $100,000 when [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/05/13/a-modest-proposal/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What happens to a life when there&#8217;s no more desire for &#8220;more&#8221;?</title>
		<link>http://blog.marcd.com/2008/05/02/what-happens-to-a-life-when-theres-no-more-desire-for-more/</link>
		<comments>http://blog.marcd.com/2008/05/02/what-happens-to-a-life-when-theres-no-more-desire-for-more/#comments</comments>
		<pubDate>Thu, 01 May 2008 22:31:30 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/05/02/what-happens-to-a-life-when-theres-no-more-desire-for-more/</guid>
		<description><![CDATA[To be very specific, what happens to a life when it ceases being a relentless pursuit of money? I think back to my church confirmation classes and remember being taught that the &#8220;love&#8221; of money is the root of all evil. But we&#8217;ve learned that money is nothing more than a storehouse of value and [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/05/02/what-happens-to-a-life-when-theres-no-more-desire-for-more/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Some time away</title>
		<link>http://blog.marcd.com/2008/04/18/some-time-away/</link>
		<comments>http://blog.marcd.com/2008/04/18/some-time-away/#comments</comments>
		<pubDate>Fri, 18 Apr 2008 19:30:01 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Small Business]]></category>

		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/04/18/some-time-away/</guid>
		<description><![CDATA[
Well, just a flurry of activity today, isn&#8217;t it? I&#8217;m going to be away on vacation until late April/early May so I wanted to commit a few ideas that I&#8217;ve been mulling over lately to the site before I either forget them or get caught up in other things. Some concepts I have &#8220;in development&#8221; [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/04/18/some-time-away/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Beware these rationalizations.</title>
		<link>http://blog.marcd.com/2008/04/18/beware-these-rationalizations/</link>
		<comments>http://blog.marcd.com/2008/04/18/beware-these-rationalizations/#comments</comments>
		<pubDate>Fri, 18 Apr 2008 17:45:01 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/04/18/beware-these-rationalizations/</guid>
		<description><![CDATA[Small business start-up capital financing is notoriously tricky. Even in the best of economies, banks won&#8217;t lend to start-ups without significant collateral. It shouldn&#8217;t be surprising  then that in the vast majority of cases, a business&#8217; initial capital financing comes from an owner&#8217;s personal savings. In fact, I cannot think of one of my [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/04/18/beware-these-rationalizations/feed/</wfw:commentRss>
		</item>
		<item>
		<title>5 Forgotten Flood Insurance Concepts</title>
		<link>http://blog.marcd.com/2008/04/18/5-forgotten-flood-insurance-concepts/</link>
		<comments>http://blog.marcd.com/2008/04/18/5-forgotten-flood-insurance-concepts/#comments</comments>
		<pubDate>Fri, 18 Apr 2008 16:12:04 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/04/18/5-forgotten-flood-insurance-concepts/</guid>
		<description><![CDATA[Let&#8217;s first get this out of the way: flood insurance suffers from what the insurance industry calls &#8220;adverse selection&#8221;, which means that for the most part *only* those people that need to buy flood insurance coverage (as required by their lender), in fact do. Some (closer to &#8220;most&#8221;) people assume that it&#8217;s already covered under [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/04/18/5-forgotten-flood-insurance-concepts/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Case of White Mountain Creamery</title>
		<link>http://blog.marcd.com/2008/04/13/the-case-of-white-mountain-creamery/</link>
		<comments>http://blog.marcd.com/2008/04/13/the-case-of-white-mountain-creamery/#comments</comments>
		<pubDate>Sun, 13 Apr 2008 16:35:39 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Life]]></category>

		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/04/13/the-case-of-white-mountain-creamery/</guid>
		<description><![CDATA[
Being tax time, I&#8217;m reminded of a piece of sage advice I&#8217;ve acquired along the way that I&#8217;ll share with you. At one time many years ago, there was an ice cream parlor in my town called &#8220;White Mountain Creamery&#8221;. It made some of the best ice cream I ever tasted and was always packed [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/04/13/the-case-of-white-mountain-creamery/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Basic Tenets of Risk Management</title>
		<link>http://blog.marcd.com/2008/04/13/the-basic-tenets-of-risk-management/</link>
		<comments>http://blog.marcd.com/2008/04/13/the-basic-tenets-of-risk-management/#comments</comments>
		<pubDate>Sun, 13 Apr 2008 16:07:31 +0000</pubDate>
		<dc:creator>Marc DiGiorgio, CIC</dc:creator>
		
		<category><![CDATA[Small Business]]></category>

		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://blog.marcd.com/2008/04/13/the-basic-tenets-of-risk-management/</guid>
		<description><![CDATA[Now that we&#8217;re conversant with the 3 general types of risk, it&#8217;s instructive to understand the basic tenets, or &#8220;truths&#8221;, of risk management.  They may seem simple in concept but you&#8217;d be amazed at how many people don&#8217;t stop to consider, forget, disregard or plainly ignore them in their daily lives.

Don&#8217;t take on more [...]]]></description>
		<wfw:commentRss>http://blog.marcd.com/2008/04/13/the-basic-tenets-of-risk-management/feed/</wfw:commentRss>
		</item>
	</channel>
</rss>
