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Steps To Risk

Quoted from No. Tabloid Nova. 639/XIII

Risk is all that can happen in the man himself is not to happen. Every human being has the risk of what he is doing. In addition, human life itself also contains many risks.

There are some risks that can be avoided, and there is some risk that can not be avoided. Examples of risks that can be avoided is the risk of accidents or the risk of theft. While the example of the risks that can not be avoided is the risk of death.

The effects of risk often cause large losses. Whether the loss of the psyche, as well as losses from the financial side. If your house falls to the fire, then you will experience financial losses in the amount equivalent to the value of your home when the fire occurred. Therefore, it is important for you to anticipate every risk that may occur on yourself.


Hear the words anticipate risk, your mind may be brought directly to the term "insurance". In the science of financial planning, the purpose of insurance is to protect the (beauty) you from financial losses arising from the occurrence of a risk. For example, you may not be able to avoid the risk of accidents on yourself, but you can protect their yourself from financial loss arising from the accident.

Are all the risks that can happen to you need to be insured? The answer is not. For example, shoes that often you have the possibility to use stolen lost. But what I will assure you your shoes? Likely not. Why? This is because if you lost your shoes, the number of losses you may not.

As if you have a house fire, the financial losses that may arise can be enormous. That's why you need to take fire insurance for your home.

Options to anticipate such risks, called the Risk Management. For convenience, I call this course as the anticipated risk. In writing this time, I will show you how you can anticipate the risks that can occur on yourself.


Financial losses can occur when you experience death, accident, illness, or if your property lost or damaged. Sometimes, financial losses can also occur if you have legal claims from third parties, like when you bump up to other people injured, and you are required to replace all of the cost of treatment.

Now, what options are available for you to anticipate the risk? We assume you are required by your boss (or anyone) to bring a package with the use of vehicles, from city A to city B. However, the situation of street bustling threatened to create your risk of accidents. Therefore, there are a number of options for you to anticipate these risks:

1. Avoiding Rrisiko. You can avoid the risk of accidents. How, do not drive. But the consequence, the package will not be sent.
2. Facing the risk. You can drive and take the package as normal without the need to be careful, and you accept the consequences if the true risk of accidents happen
3. . Reduce the Risk. You drive and bring the package, but be careful in the drive. Thus, the risk of accidents can be reduced.
4. Risk share. Package that you must take two shared with your friends. He brought some of the package in a different vehicle, so have you.
5. Risk transfer. You ask your friend, telling the whole package.

Well, now we try to anticipate practical theory of the risk. For instance we only want to buy your house, but like the other houses in general, the house that you buy will have a risk of fire. For manages, the options available to you is:

1. Engage home alone, do not buy (to avoid the risk).
2. Buying a home, and the only risk is, where you hope that the risk of fire do not occur (the risk).
3. Providing a tube fire in your home (reducing risk).
4. Delivering some losses on the other hand, if you have a house fire (the risk).
5. Transferring the entire loss on the other hand, if you have a house fire (risk transfer).

Options fourth and fifth above that we know with insurance. This means that the insurance can be a party that you serahi loss when you have a risk.

Decision making

Once you know what options are available for you to anticipate the risk, then your next step is to write the risk of what may happen to you, and the choice of what you will use to manages. Below are the steps:

1. Know your risk
2. Consequently, risk evaluation, when it occurred.
3. Take a decision on what choice you will use to anticipate the risk

For example, the risk that may occur on your self is death, accident, sickness, falls on the vehicle, falls on the car, lay, and can not work. Therefore, the steps are:

1. Know your risk: death.
2. Evaluation result: Cost of living that your family will not leave due.
3. Take the decision:

1. Avoiding the Risk: In this case it is not possible to avoid the risk of death.
2. Facing the Risk: Can only, with the consequence that the cost of living will not be due to family
3. Reduce Risk: Risk death can not be reduced
4. The risk: Submitting a part of family life on the other hand you when you die
5. Transfer of risk: Submitting all of your family life on the other hand, when you die.

It is up to you, a decision which would be retrieved.

After you take the decision to risk one, then repeat these steps for the risk that the next (like accidents). So forth. So now you have a program already anticipating the risk to your family.


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