And people think about financials as just being banks, but the reality is with Zurich and RSA, property and casualty insurers are paid for taking risk.

FORBES: Don't Ignore These Contrarian Buys

India is an intense experience for even the most seasoned traveler, and the peaceful vibe of Nadesar Palace, a 28-acre, 10-room property now managed by the Taj Group, provides a lush counterpoint to stark reality.

FORBES: Lifestyle Feature

With sales volumes down across Scotland, the majority of areas saw little or no change in the "reality gap", although both Edinburgh and East Lothian has bucked the trend, with the average property being sold for more than the asking price.

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"I want something to be left to attract them to the property, " he says of the lower level, which also has an arcade and virtual-reality golf simulator.

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