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Articles by Andrew Osterland
HSD112 REAL-WORLD PATTERNS OF HOMOLOGOUS RECOMBINATION REPAIR TESTING OF PATIENTS WITH METASTATIC CASTRATION-SENSITIVE PROSTATE CANCER (MCSPC) IN THE US COMMUNITY ONCOLOGY SETTING
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Insuring A Riskier World
Expanding coverage is critical as losses exceed existing protection. Climate change, urbanization, and inflation are combining to make losses from natural catastrophes like hurricanes and wildfires far more severe. The difference between total global economic losses and the portion covered by insurance policies rose 3.1% year over year, reaching $1.83 trillion in 2023, according to Swiss Re. That difference in global protection has increased by more than 40% since 2013.
How AI and Insurtech Are Transforming the Insurance Industry
Big insurance companies aren’t known for their nimbleness. Many of the largest global insurers have been around for more than a century, and their time-tested business models and operating processes have changed very little. They are like supertankers; for them to change directions takes a long time.
Insurers’ Big Bet On Alternative Investments
Life insurance companies used to be conservative investors. For decades, they relied on long-term bonds—safe, steady, and predictable—to match their policy obligations. But as interest rates plunged following the 2008 financial crisis, traditional investment models no longer delivered sufficient returns. Now insurers are embracing alternative investments like private debt, infrastructure, and real estate—often partnering with asset managers and private equity firms to boost yields.
Private Market Assets For The Masses
It used to be tough investing in private market assets. Typically, at least a couple of hundred thousand dollars was required, and you had to commit the money for up to 10 years or more. You had to be an accredited investor (sophisticated and experienced), and you had to be ready to fork over more capital in the future depending on the terms. Not anymore.
Appetite For Alternative Assets Grows In Private Banking
Publicly traded stocks and bonds have been great investments over the last 15 years, but wealthy investors are increasingly looking for alternatives to what the public securities markets offer them. Whether from fear that public stocks are overvalued, that inflation will rise again, or that market volatility will increase going forward, wealthy investors want a change from the traditional. Private banks are gearing up to help provide alternatives.
Atezolizumab Plus Bevacizumab in Patients with Unresectable Hepatocell
Back to Journals » Journal of Hepatocellular Carcinoma » Volume 12 Authors Cosgrove D, Tan R, Osterland AJ , Hernandez S, Ogale S, Mahrus S, Murphy J, Wilson T, Patton G, Loaiza-Bonilla A, Singal AG Received 8 October 2024 Accepted for publication 13 January 2025 Published 18 April 2025 Volume 2025:12 Pages 791—804 DOI https://doi.org/10.2147/JHC.S492881 Checked for plagiarism Yes Review by Single anonymous peer review Peer reviewer comments 2 Editor who approved publication: Prof.
Optimism Around Equity: Q&A With GW&K Investment Management's Bill Sterling
Global Finance: What’s the outlook for the global economy? Bill Sterling: This year, many global equity markets are at or near record highs on expectations of a global economic soft landing. Sluggish growth is forecast for 2024 to reflect the impact of higher interest rates put in place over the past two years.
Boeing’s C-Suite Shuffle
Embattled Boeing announced a wholesale management shake-up last month. David Calhoun, a Boeing board member for 15 years and CEO for the last four, will leave the company at year’s end. Stan Deal, head of the commercial airplanes division, will give way to Stephanie Pope, Boeing’s COO since December. And Steve Mollenkopf, former CEO of Qualcomm, will replace board Chair Larry Kellner and oversee the selection of a new CEO.
Global Salon: Q&A With André Casterman
André Casterman, founder of Casterman Advisory, advises fintechs and financial institutions on trade finance, capital markets and digital asset technologies. Casterman spent 24 years at Swift, leading various innovations in the interbank payments, corporate treasury and trade finance markets. He helped create the first digital trade settlement instrument.
GW Platt Foreign Exchange Bank Awards 2024-Global And Regional Winners
The volatile foreign exchange (FX) markets challenge CFOs and corporate treasurers when managing their currency risks and reporting financial results. Since 2022, the dramatic rise of the US dollar against virtually every other world currency has wreaked havoc on the profits of US multinationals as the value of their foreign earnings plummeted.
If you're worried about market volatility, here's how this advisor says you should handle the stress Original
Izusek | E+ | Getty Images Emotions can get the better of us when it comes to investing — particularly when financial markets get volatile. Behavioral finance tells us we are inherently bad investors, prone to making decisions based on emotions rather than evidence and self-interest. Just as we are a bundle of biases and fears in our personal lives, we are in our investing lives, as well.
If you're worried about market volatility, here's how this advisor says you should handle the stress
Key Points Behavioral science tells us that people are largely, by nature, bad investors, prone to rash decisions based on emotion. Emotions and biases aren't necessarily bad when it comes to investing, says certified financial planner Tim Maurer, but they do need to be kept in perspective. "People need to accommodate their emotions in advance rather than them causing you to make snap decisions in difficult times," Maurer said.
Global Finance Magazine - GW Platt Foreign Exchange Provider Awards 2023
The Covid-19 pandemic created some waves in the foreign exchange markets over the last couple of years, but the re-emergence of global inflation and inflation-fighting central banks has truly rocked the currency world this year. After more than a decade of relatively calm markets, volatility is back with a vengeance in the FX markets. As the Federal Reserve and then other central banks began raising interest rates this year, currencies began to fluctuate wildly.
Can you afford a 'second act' after retirement? Here are some questions to ask yourself Original
Fg Trade | E+ | Getty Images Are you ready for a "second act" in retirement? Sadly, large numbers of Americans heading into their 60s are not — at least from a financial perspective. While the average amount of retirement savings for Americans between the ages of 55 and 64 was $408,000 in 2019, per the Federal Reserve Survey of Consumer Finances, the median savings was just $134,000 for that group.
CNBC: Amor y dinero. ¿Es sano compartir cuentas y activos en pareja?
What to Know El dinero puede no ser lo más importante cuando estás enamorado, pero las consideraciones financieras pueden hacer o deshacer una relación. Una cuenta bancaria conjunta puede tener sentido para las parejas que viven juntas, pero combinar inversiones, bienes raíces y otros activos requiere mucha más reflexión y planificación. El contexto de fusionar o mantener activos separados a menudo se considera bajo la apariencia de un acuerdo prenupcial antes de un matrimonio legal.
Pairing up? How to know when it’s time to combine your finances Original
Hispanolistic | E+ | Getty Images Money may not be top of mind if you're in love, but it deserves some serious consideration if you want a lasting relationship. A partnership that pools resources and shares expenses can be a very good thing for a relationship and for each other's financial well-being. However, different spending and saving habits can also be an enduring source of conflict for couples.
Pairing Up? Here’s How to Know When It’s Time to Combine Your Finances
Money may not be top of mind when you're in love, but financial considerations can make or break a relationship. A joint bank account can make sense for couples living together, but mixing investments, real estate and other assets requires much more thought and planning. The context of merging or keeping assets separate is often considered under the guise of a prenuptial agreement before a legal marriage.
Stressed about credit card debt? Take these steps to help trim high-interest account balances Original
Peter Muller | Image Source | Getty Images Few things cause more financial distress and anxiety than a large slug of high-interest rate credit card debt. Millions of Americans of all income levels carry large balances on credit cards that charge very high interest rates. According to Federal Reserve data, the average annual percentage rate on cards issued by commercial banks was 16.45% at the end of last year, and rates charged by store credit cards can be well over 20%.
Declararse en bancarrota, lo que hay que saber para solicitarla
Las solicitudes de quiebra personal han disminuido drásticamente desde el comienzo de la pandemia de coronavirus, pero con el aumento de las tasas de interés y la disminución del alivio del gobierno, es probable que las cifras de presentación aumenten durante este año, dicen los expertos. “Recibí más llamadas en las últimas semanas que en los seis meses anteriores”, dijo Charles Juntikka, un abogado con sede en Nueva York que se especializa en leyes de bancarrota.
If you're facing bankruptcy, here's what experts say to do before, during and after you file Original
Personal bankruptcy filings have fallen dramatically since the beginning of the coronavirus pandemic, but with interest rates rising and government relief waning, filing numbers will likely pick up through this year, say experts. "I've had more calls in the last few weeks than the previous six months," said Charles Juntikka, a New York-based lawyer who specializes in bankruptcy law.
Economic worries further older Americans' pandemic-era plans to delay retirement, survey finds Original
Yacobchuk | Istock | Getty Images What is retirement? When does it start? And how has Covid-19 affected Americans' retirement plans? An ongoing survey of U.S. retirees and near-retirees suggests there's a wide range of opinions on these fundamental questions and a rapidly changing perspective on what retirement will look like in the future.
Estate planning 101: the do’s and don’ts, what to expect to pay and what your options are Original
Jodi Jacobson | Getty Images You don't have to be older and rich to do some estate planning. In fact, regardless of age and wealth, experts say virtually everyone should consider how they want their assets distributed upon their death and what decisions will be made by whom if they are unable to make those decisions later in life.
Global Finance Magazine - Reconstruction Then And Now: Q&A With Former Ukraine National Bank Governor Valeria Gontareva
Valeria Gontareva, governor of the National Bank of Ukraine 2014–2017, knows a few things about rebuilding in the wake of conflict. She talks about how Ukraine’s economy can be restored. Global Finance: What were the challenges you faced when you were appointed governor of the National Bank of Ukraine and how does it compare to the situation now? Valeriya Gontareva: Ukraine lost 20% of our GDP because of the annexation of the Crimea and the war in the Donbas.
Here's what you need to know about reverse mortgages Original
William_potter | Istock | Getty Images With the stock market getting volatile but the housing market still hot, reverse mortgages have become a more attractive tool for older Americans who need cash for retirement but want to stay in their homes. Home Equity Conversion Mortgage loan volume was up 26% in March, according to data from the U.S. Department of Housing and Urban Development reported by service provider Reverse Market Insight.
Getting an inheritance or winning the lottery can create serious emotional and financial challenges Original
D-keine | E+ | Getty Images Money, for all the opportunities it affords, can be a major source of stress and anxiety if you're not used to having it. Coming into sudden wealth, whether via inheritance, a career windfall or luck in the lottery, can create serious emotional and financial challenges for people who have not had a lot of money in their lives. "Will you continue to work?
Are you dreaming of an early retirement? The earlier you retire, the greater the risk, experts warn
Kathrin Ziegler | DigitalVision | Getty Images Life may be short but early retirement might be, too, if you don't have a solid financial plan for life after work. Whether it's due to pandemic burnout, a new attitude on life or an optimism fueled by surging stock and real estate markets, more Americans appear to be retiring early, based on U.S. Bureau of Labor Statistics data.
Are you saving enough for retirement? Odds are, probably not. Original
Muslianshah Masrie | Photodisc | Getty Images Are you saving enough now for your eventual retirement? The odds are that you probably aren't. The latest Federal Reserve Survey of Consumer Finances for 2019 found that the median amount of savings in Americans' retirement accounts was $65,000. To say the least, that nest egg will not provide you with a very comfortable retirement. The figure, however, applies to Americans of all ages.
Are You Saving Enough for Retirement? Odds Are, Probably Not
The latest Federal Reserve Survey of Consumer Finances found the median amount of savings in Americans' retirement accounts was $65,000. About half of all Americans are at risk of not being able to maintain pre-retirement standards of living, said Angie Chen, research economist at the Center for Retirement Research at Boston College. But coming up with savings targets can be counter-productive, said certified financial planner Jude Boudreaux. Are you saving enough now for your eventual retirement?
Global Finance Magazine - Setting Up Sanctions: Q&A With Hagar Chemali
Hagar Chemali, an expert in terrorism financing, has worked at the US Treasury, the National Security Council and the UN. She speaks about sanctions—what works, what doesn’t—and Russia. Global Finance: How effective have international sanctions on Russia and President Vladimir Putin been so far? Hagar Chemali: The coordination on these sanctions is the most impressive I’ve ever seen.
'There are so many ways to lose money.' Advice for college athletes from former basketball player turned financial advisor Original
University of Arizona Wildcats guard Joe McLean plays defense against UCLA Bruins guard Kevin Dempsey during a Pacific-10 Conference game on Jan. 7, 1993. Ken Levine | Getty Images Sport | Getty Images Like many former NCAA college basketball players, Joe McLean had dreams of playing in the NBA. The 6'6" forward played four years for celebrated coach Lute Olsen on the University of Arizona Wildcats. He made it to the Final Four in 1994 and averaged nearly 10 points per game in his last season.
¿Quieres tener un bebé? Prepara tu bolsillo con estos consejos de finanzas, según CNBC
Lo que debes saber Puede que el dinero no sea lo primero en lo que piensen los padres jóvenes cuando esperan un hijo, pero debería ser una prioridad. En 2015, el Departamento de Agricultura de EEUU calculó el costo de criar a un niño hasta los 18 años en $233,610, es decir unos $12,978 por año. Sin embargo, la cifra era un costo promedio y el estudio encontró una amplia variación en los gastos relacionados con los niños según los ingresos del hogar.
¿Quieres tener un bebé? Prepara tu bolsillo con estos consejos, según CNBC
Lo que debes saber Puede que el dinero no sea lo primero en lo que piensen los padres jóvenes cuando esperan un hijo, pero debería ser una prioridad. En 2015, el Departamento de Agricultura de EEUU calculó el costo de criar a un niño hasta los 18 años en $233,610, es decir unos $12,978 por año. Sin embargo, la cifra era un costo promedio y el estudio encontró una amplia variación en los gastos relacionados con los niños según los ingresos del hogar.
¿Quieres tener un bebé? Prepara tu bolsillo con estos consejos, según CNBC
Lo que debes saber Puede que el dinero no sea lo primero en lo que piensen los padres jóvenes cuando esperan un hijo, pero debería ser una prioridad. En 2015, el Departamento de Agricultura de EEUU calculó el costo de criar a un niño hasta los 18 años en $233,610, es decir unos $12,978 por año. Sin embargo, la cifra era un costo promedio y el estudio encontró una amplia variación en los gastos relacionados con los niños según los ingresos del hogar.
¿Quieres tener un bebé? Prepara tu bolsillo con estos consejos, según CNBC
Lo que debes saber Puede que el dinero no sea lo primero en lo que piensen los padres jóvenes cuando esperan un hijo, pero debería ser una prioridad. En 2015, el Departamento de Agricultura de EEUU calculó el costo de criar a un niño hasta los 18 años en $233,610, es decir unos $12,978 por año. Sin embargo, la cifra era un costo promedio y el estudio encontró una amplia variación en los gastos relacionados con los niños según los ingresos del hogar.
Budgeting for a baby: Here's what financial advisors recommend for new parents Original
StefaNikolic | E+ | Getty Images Certified financial planner Amber Miller is used to thinking about the costs and challenges of life for her clients. It gave her a leg up when it came to preparing for the birth of her own first child last year. "We had our daughter, Zahra, in August, and we're still head over heels about it," said Miller, a senior financial planner with The Planning Center in Minneapolis.
Budgeting for a Baby: Here’s What Financial Advisors Recommend for New Parents
Money may not be what young parents think about first when they're expecting a child, but it should be a priority. In 2015, the U.S. Department of Agriculture estimated the cost of raising a child to the age of 18 at $233,610, or $12,978 per year. The figure, however, was an average cost and the study found wide variation in child-related spending based on household income. Certified financial planner Amber Miller is used to thinking about the costs and challenges of life for her clients.
Global Finance Magazine - Russia Sanctions Unite The World
Countries respond to military power with economic might. The Russian invasion of Ukraine has united much of the world in a common purpose to make the war as painful as possible economically for Russia. Sanctions are the weapon of choice.
Just getting started in investing? Here are 5 tips for young investors Original
The now-volatile stock market may not be the ideal starting point for new investors, but it's always a good time to begin investing. Millennial Americans — ranging in age from 22 to 40 — are famously wary of the financial markets. Market collapses like the dotcom bust of 2002 to 2004 and the financial crisis of 2008 will do that.
Global Finance Magazine - Beyond The Mailroom: Q&A With Pitney Bowes' President Of Global Financial Services Christopher Johnson
Christopher Johnson, president of Global Financial Services at Pitney Bowes, speaks about global small business lending and the goals for PB’s Chartered Bank and Financial Services division. Global Finance: Is there a global market for small-business lending? Christopher Johnson: Small-business finance is a fragmented market. Traditionally, banks in the US and elsewhere have been rewarded for lending to large, safe companies.
Global Finance Magazine - Asia-America Relations: Q&A With Standard Chartered Bank's Steven Cranwell
Global Finance speaks with Steven Cranwell, CEO of the Americas at Standard Chartered Bank, about the outlook for Southeast Asia, the Americas and pan-Pacific trade. Global Finance: What is the outlook for the ASEAN countries and the opportunity for US companies interested in the region? Steven Cranwell: Most people understand the favorable macro advantages in the region.
Global Finance Magazine - The Great Resignation: Q&A With Conference Board's Gad Levanon
Gad Levanon, Conference Board labor-markets economist, talks about changes for employers and the outlook for jobs, wages and productivity as economies recover from the pandemic. Global Finance: How bad are the current labor shortages and how much are they a US phenomenon? Gad Levanon: The labor shortages we’re facing now are extreme, and it’s not just in the US. The long-term trends of an aging population and a decline in the working-age population affect many countries.
As college enrollment plunges, schools must adapt to post-pandemic reality
Holger Hill | fStop | Getty Images A college degree is still the ticket to better earnings and a more successful career. Data from the U.S. Bureau of Labor Statistics continues to support the traditional idea that college is the path to a better life, but fewer Americans seem to be buying into it these days. The higher education world is in shock after a second consecutive year of dramatic declines in college and university enrollments this fall.
'Great Resignation' has put many workers 'in the driver's seat for first time in 30 years,' experts say
sturti | E+ | Getty Images It's a great time to quit your job. Just make sure you have another one to go to. The latest data from the ADP Worker Vitality report found that the "Great Resignation" going on in today's labor market is still paying off handsomely for those leaving their jobs for a new one.
Ending a marriage? Don't get divorced from financial reality in the process Original
skynesher | E+ | Getty Images A lawyer may be your first call when you decide you want a divorce, but a financial advisor should be your second. In many cases, a divorce has more impact on a person's current and future financial well-being than any other event in their lives. Sound financial planning may be the last thing on your mind when your marriage ends — particularly if it ends in conflict — but it may never be more valuable.
Aging baby boomers raise the risk of a long-term-care crisis in the U.S. Original
Maskot | Maskot | Getty Images It is easy to feel pessimistic — even apocalyptic — about the looming challenge of long-term care for the nearly 71 million baby boomers heading into their golden years. Consider a few numbers: There are currently 14 million people receiving some form of long-term care. That number will double by 2050, according to estimates from the U.S. Centers for Medicare and Medicaid Services.
This could be the worst market for a first-time homebuyer, experts say Original
Buying a first home is always a huge decision. It's even bigger when the market has been as hot as it has in the last two years. Financial advisors say this could be the worst market for home buyers we've ever seen, and caution clients to perhaps wait. Certified financial planner Rick Kahler, founder of Kahler Financial Group in Rapid City, South Dakota, expected the coronavirus pandemic might cool down a real estate market that had been rising for the last decade.
Global Finance Magazine - Ready For Takeoff
Easy money puts big Canadian corporates in a good position for post-pandemic recovery, but for smaller companies funding remains tough. Like virtually all corporate executives in Canada, Pedro Farah, the CFO of Nutrien, has been working from home since early last year when the coronavirus first surged across much of the country.
Here are smart steps to take now to make tax filing easier for 2021 Original
Tetra Images | Tetra images | Getty Images Next year's tax return is probably the last thing on most Americans' minds right now. With millions of individuals and business owners still dealing with their taxes for this year, next year can wait. "The financial industry, and the whole country, has compliance fatigue," said Ed Reitmeyer, a CPA and a regional partner-in-charge for tax services at Marcum LLP.
Here Are Some Smart Things to Do With Your Tax Refund
Increases in unemployment and changes to the tax code might have signaled smaller tax refunds this year for many, but federal stimulus aid has come to the rescue. Refunds this year are tracking closely to last year, when the average American got nearly $3,000. Here are five responsible things to do with the money, and three smart ways to treat yourself. For a while, it looked like tax season might not deliver the usual refund euphoria that grips most Americans every spring.
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