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Risk transfer is defined as the act of moving risk from one entity to another. Most often, in practical terms, this means that a company is moving a portion (or all) of a risk to an external third party. This is one of the basic "countermeasures" for managing and mitigating risk. Management must decide which risks to transfer and which to retain.
Problem 1: For your initial post describe an example of how you transfer (or might transfer) risk in your personal life. How do you make this decision?
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