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The law of large numbers employs probability theory to estimate the frequency of certain events with reasonable accuracy; the larger the number (or population), the greater the accuracy. Collective risk spread is an enigmatic description for assessin...

Even with bitcoin, when one door closes, another opens in the ever-evolving crypto world! The conception, reception, and rejection of bitcoin and related cryptocurrencies as legal tender in two very different countries: China: In the toughest bl...

Almost any heightened euphoric report about some “fantastic” equity stock position tends to raise my total sceptic alarm system. Yes, it’s probably an over cynical reaction, but that’s the training of investment professionals worldwide who are fiduc...

This article is part three of the series on rewiring retirement. You were a modern working couple, headed to, or in retirement. Throughout your lives, working careers, family nurturing, relative caregiving, you have almost never, except possibly...

Twenty years on from September 11, 2001: who does not remember this day? The horrendous, mortal assault on American soil and innocent lives, shattered the US national psyche in the country considered the inviolate global leader. Bermuda lost two of ...

Trader 1: What's the call on the Libor? Trader 2: Where would you like it, Libor that is? Trader 3: Mixed feelings, but mostly I'd like it all lower so the world starts to make a little sense. Trader 4: The whole HF [hedge fund] worl...

Democratic discourse! Dear readers, thank you for the shares and the commentators who illuminated reasons for and against climate change risk on last week’s article in The Royal Gazette, headlined “Climate change: Code Red for humanity”. Bermuda doe...

Another island morning as dawn slowly crests the horizon. Your house is chilled. Windows streaked with ice; ground covered in snow; the precious grass you’ve spent hours fertilising and watering into perfection is frozen. “This can’t be. I’m dreaming...

Part two of “Thinking of retiring – don’t.” Instead, start your journey to the Age of Enlightenment. Thousands of articles have been written about retirement financial planning, spending before and after, managing investments for income needs, a...

Part six: continuing Bermuda Insurance Monthly Series – last Saturday of each month The business of risk management and insurance encompasses millions of decisions, strategies, analyses, probability outcomes, the entire range of geography, all c...