Why paying $36 a month for disability insurance is worth it for me

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.

If you were hurt in a car wreck, accident around the house, or taken out of commission by a surprise illness and couldn’t go to work for a while, would your finances get you through? Perhaps you have three, six, or more months of emergency savings. But eventually, most households would run out of money.

As a self-employed freelancer, I set a goal of about one year of savings in my emergency fund, but with a stay-at-home wife, three kids, two dogs, and a mortgage, I know I have to do more than save to protect my family. 

After reading about how another Business Insider writer signed up for disability

Read More

Continue Reading

Responsible IoT Innovation Is A Real Opportunity For Social Change

Chief Operating Officer at Esper, driving customer and partnership growth in North America, APAC and worldwide. 

Smart, connected devices have already had a huge affect on people, culture and the workplace. However, we haven’t even begun to see the disruptive potential of IoT innovation. According to a forecast by Gartner, Inc., 5.8 billion edge devices will be deployed in 2020. There’s no question that IoT innovation will change society permanently — and, ideally, for the better.

Virtually all disruptive technologies can reinforce biases and systems of oppression. However, IoT innovation can also create social change by improving global access to health care, education, justice and transportation. Tech leaders have a chance to create a meaningful impact on global communities by committing to socially responsible IoT innovation. The IoT revolution is a chance for individuals and organizations to address inequity. It’s time to adopt a more responsible framework for

Read More

Continue Reading

Johnson Investment Counsel Inc. Invests $259,000 in Vanguard Large-Cap ETF (NYSEARCA:VV)

Johnson Investment Counsel Inc. bought a new position in shares of Vanguard Large-Cap ETF (NYSEARCA:VV) during the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm bought 1,810 shares of the company’s stock, valued at approximately $259,000.

Several other institutional investors and hedge funds have also made changes to their positions in VV. Johnson Financial Group LLC grew its position in Vanguard Large-Cap ETF by 193.6% in the 2nd quarter. Johnson Financial Group LLC now owns 595,351 shares of the company’s stock valued at $85,135,000 after buying an additional 392,557 shares during the last quarter. Headinvest LLC grew its position in Vanguard Large-Cap ETF by 24.9% in the 2nd quarter. Headinvest LLC now owns 50,345 shares of the company’s stock valued at $7,199,000 after buying an additional 10,035 shares during the last quarter. Fort Pitt Capital Group LLC purchased a new

Read More

Continue Reading

5 tips for keeping your fall mums happy, healthy and beautiful

Those fall mums look so good at the garden center or grocery store that you splurge on a few big pots for your front porch.

But after a couple of weeks, they no longer look so good — the blooms are browning and the unopened buds are drying out. What did you do wrong?

Probably nothing, according to gardening experts.

The colorful mums make excellent cut flowers and attract pollinators to the garden into late fall, according to Carol Papas, a Penn State Master Gardener. Mums are photoperiodic, meaning that they’re stimulated to bloom when the number of daylight hours is decreasing. Avoid planting them near a streetlight or a light source that might inhibit bud production, she said.

“I hate to say it, but a lot of times they are

Read More

Continue Reading

Do big nonprofit hospitals spend more on charity care than for-profits? This study says no

Large for-profit hospitals spend more on charitable services as a percent of total expenses than their nonprofit counterparts, according to a study from researchers with the Harvard T.H. Chan School of Public Health in Boston.

Charity care is the unbilled and uncollected expenses that hospitals write off for patients who can’t pay for services. To evaluate charity care spending across similar for-profit and nonprofit hospitals, researchers paired for-profit hospitals with nonprofit hospitals that are similar in size, location and teaching status. The authors compared how much the hospitals spent on charity care relative to total expenses. Hospital data came from CMS’ 2018 Medicare cost reports, the most recent full year of publicly available data, and median household income data came from the Dartmouth Atlas.

Overall, average total charity care was $4.3 million for for-profit hospitals and $7.1 million for nonprofit

Read More

Continue Reading

Without public transit, there will be no economic recovery

Once the epicenter of the world’s worst public health crisis in a hundred years, New York City has emerged as a test case for how discipline and planning can contain the novel coronavirus. As the only region in the U.S. that has so far successfully managed both COVID-19 and a phased reopening, the New York metropolitan area is also likely to be the epicenter of our national economic recovery. Everyone in the U.S., from unemployed service sector workers to the president, has an interest in a rapid return to normal. 

Unfortunately, the White House and the Senate have thus far squandered our chances by failing to pass recovery legislation that funds the mass transit systems that ten million daily riders — and billions of dollars in wages, goods and services they produce — rely on to get to jobs in our nation’s biggest financial hub. The current breakdown in talks

Read More

Continue Reading

Muthoot Finance to offer complimentary COVID-19 insurance for gold loan customers

Muthoot Finance, Muthoot Finance share price, gold loan, muthoot gold loan, free insurance, MSCI index inclusion, Edelweiss Financial Services, Muthoot net income, market news, latest news on Muthoot FinanceThe Muthoot Super Loan (MSL)is a type of gold loan offered to those customers who wish to avail of a higher loan amount against their gold.

Muthoot Finance Limited, the NBFC gold loan provider, today tied up with Kotak Mahindra General Insurance to provide complimentary Covid-19 insurance cover for their gold loan customers.

During these uncertain times (pandemic), Muthoot Finance has been extending benefits to its customers. The Company is offering a higher per gram lending rate for Gold Loan along with a complimentary Covid-19 insurance cover up to Rs 1 lakh for its MSL Scheme gold loan customers.

The Muthoot Finance Ayush Gold Loan is an initiative of Muthoot Group through which they will provide complimentary Covid19 insurance cover to their eligible gold loan customers. This complimentary Covid19 cover, however, will be available only for the customers availing a gold loan from Muthoot Finance under the MSL Scheme.

The

Read More

Continue Reading

Man accused of taking dead roommate’s credit cards | Local

The body of a Fort Wayne man lay decomposing in a bedroom while a roommate took his credit cards, a debit card, prescriptions and disabled veteran’s medical identification, according to court documents. 

Police said Matthew D. Crawley also used the man’s checkbook to pay for a motel room and purchases from a grocery store. 

Crawley, 40, of the 4200 block of Roseview Road, is charged with misdemeanor failure to report human remains and conversion. He also faces a felony identity deception charge punishable by up to 2 1/2 years in prison. 

An arrest warrant was issued Tuesday, and court records show Crawley also is wanted for a probation violation. He pleaded guilty in February to operating a vehicle while intoxicated and operating a vehicle after being a habitual traffic offender and was given a suspended sentence. 

Witnesses including a mail carrier told investigators they hadn’t seen Ronold Troyer for awhile.

Read More

Continue Reading

Alpine Consulting and OroCommerce Announce Partnership to Enable eCommerce for Large B2B Businesses

AUSTIN, Texas, July 22, 2020 /PRNewswire/ — Alpine Consulting, Inc., a leader in eCommerce strategy, implementations, and services, and Oro, Inc., a leading B2B eCommerce product company, have announced a strategic partnership. Alpine is excited to be part of this small and elite group of Oro partners.  

Alpine, with over 20 years of success in eCommerce professional services, offers a team of highly experienced professionals focused on designing and implementing complex B2B eCommerce solutions.

“As we look forward to the future, we are excited about our new Oro partnership that will help enable the extensive eCommerce work we do. OroCommerce is a great foundation to help our existing and new clients exceed their Commerce goals. OroCommerce is a proven B2B platform that has performed well for many organizations. the platform provides many advanced B2B features that previously required expensive customization. Oro offers significant value for our B2B clients,” said

Read More

Continue Reading

Getting the Best Quotes on Homeowners Insurance

Average Homeowners Insurance Premiums by State
State Average Premium
Alabama $1,403
Alaska $950
Arizona $847
Arkansas $1,357
California $1,040
Colorado $1,539
Connecticut $1,530
Delaware $842
District of Columbia $1,284
Florida $1,943
Georgia $1,234
Hawaii $1,108
Idaho $736
Illinois $1,061
Indiana $1,010
Iowa $970
Kansas $1,543
Kentucky $1,093
Louisiana $1,889
Maine $867
Maryland $1,044
Massachusetts $1,510
Michigan $969
Minnesota $1,349
Mississippi $1,558
Missouri $1,301
Montana $1,207
Nebraska $1,455
Nevada $778
New Hampshire $977
New Jersey $1,216
New Mexico $1,028
New York $1,309
North Carolina $1,037
North Dakota $1,236
Ohio $864
Oklahoma $1,834
Oregon $690
Pennsylvania $903
Rhode Island $1,553
South Carolina $1,264
South Dakota $1,191
Tennessee $1,187
Texas $1,819
Utah $699
Vermont $929
Virginia $988
Washington $866
West Virginia $921
Wisconsin $765
Wyoming $1,234
Source: National Association of Insurance Commissioners

Which Variables Affect Homeowners Insurance Quotes?

Homeowners insurance quotes are specific to each applicant—there is no one-size-fits-all price. Instead, insurance companies

Read More

Continue Reading

Load More