Cavalcade of Risk #130: Naked beasts run wild edition

Welcome to the Cavalcade of Risk blog carnival, featuring all manner of risky posts.Beastly risksRemember the so-called "first bite rule," which let dog owners off the hook the first time their beloved pooch bit someone? Well, you can forget about it, reports Risk Management for the 21st Century. With most states shifting to a "strict liability" standard there are no more freebies. Issuers of homeowners insurance are getting tired of making dog-related payouts and are starting to tighten up, instituting a variety of exclusions.If the common canine is getting tougher to cover, is there any hope for more exotic specimens such as kangaroos? InsureBlog has spotted a local ordinance regarding exotic pets that may need special policies. Luckily for one Roo, an anonymous donor stepped up to buy a policy to allow the beast to remain a citizen in good standing.Risky ridingAlthough 49 out of 50 states require coverage, about 10 percent of the population admits driving naked (or at least without insurance). So says insurance.com.For those who feel most comfortable with coverage, Stupid Cents has done the grunt work to help sort through the complex task of making apples-to-apples quote comparisons for those considering a shift in carriers.Health affairsThis ain't the Health Wonk Review, but maybe because I'm hosting some bloggers sent policy/risk related health care posts.Looking for a secret thrill? Try springing a Shared Decision Making question on a lawmaker, policymaker, academic or health care executive. Disease Management Care Blog has more on that.Speaking of wild and crazy, can I interest you in a review of premium trends in Medicare Part D (the prescription drug benefit) courtesy of Healthcare Economist?High deductible health plans (HDHPs) try to discourage members from seeking unneeded services by giving consumers some "skin in the game" (note: not to be confused with going naked, as described above). They make an exception for preventive services, which are fully covered. Why, then do HDHP members use fewer preventive services? If the suspense is getting to you, check out the Health Business Blog.Financial funksOne natural disaster could destroy your possessions and completely trash your finances. How to prepare? PT Money provides pragmatic advice from Japan.Tempted to wade into the foreign exchange markets and try your hand at some automated trading? Might want to read what Forex Trading System Central has to say first.Want to juice your lending club returns? Bible Money Matters is succeeding with a strategy to seek out people with lower credit scores  but good jobs and income. He might be onto something, especially since Bargaineering cites a survey showing almost 80 percent of consumer credit reports contain errors.---That's it for this edition, folks. Thanks for reading!The next edition will be hosted by Emily Holbrook at the Risk Management Monitor blog.