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☆ How to lay a strong foundation for your small business' success before opening day
▼ + stars: | 2024-06-26 | by ( Sponsor Post | ) www.businessinsider.com time to read: +4 min

Open a business bank accountOpening a business bank account is the best way to keep your business and personal finances separate. Many small business owners find that building an advisory team made up of an accountant, a bookkeeper, and an attorney can save them from making costly mistakes. If you can't afford professional advisors, your local Small Business Development Center, run by the US Small Business Administration, and SCORE, a nonprofit staffed by seasoned volunteer executives, can provide you with free advice. Small business insurance from State Farm offers coverages for a wide range of business types, allowing you to personalize policies tailored to fit your specific needs through a local agent. Learn how State Farm can support your small business in 2024.

Organizations: Small Business Development Center, US Small Business Administration, SCORE, State Farm, Insider Studios Locations: coverages, copycats

☆ Here are Wednesday's biggest analyst calls: Nvidia, Meta, Tesla, Chipotle, Ferrari & more
▼ + stars: | 2024-05-22 | by ( Michael Bloom | ) www.cnbc.com time to read: +8 min

Here are Wednesday's biggest calls on Wall Street: Morgan Stanley reiterates Tesla as overweight Morgan Stanley said it's sticking with its overweight rating on Tesla but says it's only a matter of time before others automakers begin to take advantage of AI also. Morgan Stanley reiterates Meta as overweight Morgan Stanley said that, as users adopt the company's Reels product it becomes a "monetization opportunity." Morgan Stanley reiterates Dell as a top pick Morgan Stanley said Dell remains a favorite name at the firm. Morgan Stanley reiterates McDonald's as overweight Morgan Stanley said it's standing by the fast-food chain. Morgan Stanley reiterates Ferrari as overweight Morgan Stanley said it's standing by its overweight rating on the automaker.

Persons: Morgan Stanley, Tesla, Piper Sandler, Piper, Meta, Dell, JMP, Oppenheimer, it's, Goldman Sachs, Goldman, Kraft Heinz, McDonald's, Rosenblatt, John Malone, Sportico, Morgan Stanley downgrades, Generac, Jefferies, Needham, Stryker, Ferrari, MSFT Organizations: GM, Ford, Nvidia, Blackwell, ODM, Lenovo, Dell, China Tech Hardware, Costco, " Bank of America, Bank of America, Kraft, Brunswick, UBS, Brunswick Corporation, Atlanta Braves Holdings, Deutsche Bank, Waste Management, Deutsche, Price, Jefferies, Prudential, Lincoln National, Microsoft, Garmin, of America Locations: Coinbase, Shopify

But many people don't realize just how much of their insurance coverage is tied to their employment. Disability, life, health, dental, vision — all can evaporate quickly after a pink slip. Life insuranceAnother common employer-provided insurance is group life insurance, which pays out a death benefit if you die while employed. Similar to disability insurance, though, this group life insurance is contingent on your working at that company. That's why I highly recommend considering an individual life insurance policy.

Persons: it's, They're, It's, you've Organizations: Business, Healthcare

☆ How to manage your money in your 40s, according to CFPs: As your investments grow, 'mistakes can get bigger' too
▼ + stars: | 2024-04-16 | by ( Annie Probert | ) www.cnbc.com time to read: +4 min

In your 40s, financial priorities can range from taking care of aging parents to funding the activities and futures of your kids. Here are four steps certified financial planners recommend taking with your money throughout your 40s. You generally have two options for life insurance: term or permanent. Term life insurance provides coverage for a set amount of time, often somewhere between 10 and 30 years, while permanent life insurance, also known as whole life, provides coverage for the rest of your life. Term life insurance is generally fitting for people looking for affordable, temporary coverage, while permanent life insurance is more flexible and can earn interest.

Persons: Andrew Fincher, Fincher, you've, Joe Conroy Organizations: Financial

☆ Why car insurance costs are skyrocketing and leading to higher inflation
▼ + stars: | 2024-04-11 | by ( Michael Wayland | ) www.cnbc.com time to read: +6 min

RobertCrum | Getty ImagesDETROIT – Skyrocketing auto insurance costs helped contribute to inflation accelerating at a faster-than-expected pace in March and are adding to the ever more expensive costs for U.S. vehicle owners. Auto insurance costs have been on the rise for some time, growing every month as part of the index since December 2021. However, auto insurance remains a small portion of the CPI, with a 2.85% weighting. watch nowThe insurance cost increases on inflation come more than two years after the Biden administration largely blamed used car prices for pushing inflation higher in January 2022. The cost of vehicle insurance — which is mandatory in almost every state — varies by provider, driver, coverage and location.

Persons: Sean Tucker, Kelley, David Sampson, Sampson, Biden, Mitchell, Power, —, it's, Price, Mark Garrett, — CNBC's Robert Ferris, Jeff Cox Organizations: Getty, DETROIT, U.S, Auto, U.S . Bureau of Labor Statistics, American, Casualty Insurance Association, CNBC, Progressive, Power's U.S . Auto Insurance, State Farm, Liberty Mutual Locations: U.S, Power's U.S, Geico, .

Health insurance, life insurance, auto insurance, disability insurance, homeowners insurance, and renters insurance all require the policyholder to pay a premium to continue receiving coverage. The types of insurance policy premiums include car, life, health, homeowners, renters, and disability insurance. Life insurance premiumsAs previously mentioned, term life insurance premiums are locked in when the policy is signed. Another factor that goes into homeowners insurance premiums is your insurance score, which you do have some control over. Insurance premiums frequently asked questionsHow often do I have to pay insurance premiums?

Persons: policyholders, you'll, they're, Policygenius Organizations: Health Locations: New York, California

On domestic trips, travel medical insurance usually take a backseat to your health insurance. Emergency medical evacuation insuranceAnother benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Like other types of insurance, medical travel insurance rates are calculated based on various factors. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). Medical travel insurance frequently asked questionsWhat's the difference between trip insurance and travel medical insurance?

Persons: It's, it's, you'll Organizations: Travelers

LAS VEGAS (AP) — When the Super Bowl was in the balance in the fourth quarter a year ago, coach Andy Reid's Kansas City Chiefs put a twist on their frequent pre-snap motion. Two wide-open touchdown passes that helped the Chiefs beat the Philadelphia Eagles 38-35 for a Super Bowl title. “He gives you all different types of looks, funky looking plays, different misdirections,” 49ers All-Pro linebacker Fred Warner said. “I think to put it simply, they do a really good job of marrying their run plays to their pass plays,” Chiefs linebacker Drue Tranquill said. But with more defenses disguising coverages and switching after the snap, the motion can confuse defenses and create breakdowns in coverage.

Persons: Andy Reid's, Reid, Kyle Shanahan, “, ”, Nick Bosa, Kadarius Toney, Darius Slay, Toney, Skyy Moore, Damien Williams, Fred Warner, there’s, we’ve, ” Reid, Steve Wilks, Drue Tranquill, Peyton Manning, Chris Foerster, There’s Organizations: LAS VEGAS, Andy Reid's Kansas City Chiefs, Chiefs, Philadelphia Eagles, Kansas City, 49ers, ” Niners, Eagles, Niners, Reid's Chiefs, ” 49ers, “, Globe, Raiders, NFL, San Francisco, Solutions, SIS, ” Chiefs Locations: San Francisco, Kansas, ”, Miami

☆ The 8 things I really wish I knew before I traveled solo to 100 countries
▼ + stars: | 2024-01-19 | by ( Abbie Synan | ) www.businessinsider.com time to read: +4 min

I've solo traveled to more than 100 countries since 2013 and I've learned lessons along the way. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . What was meant to be a short sabbatical from the US turned into visiting over 100 countries in the last decade. Here are the things I wish I'd known back when I set foot in country No. Solo travel will push you out of your comfort zone and challenge you in ways nothing else can.

Persons: I've, —, Abbie Synan, Abbie Synan There's, you've Organizations: Service, Google Locations: Bangkok, Cambodia, Nepal

Fabric by Gerber Life launched a new investment account for parents to invest on behalf of their kids. Gerber Life's partner brand, Fabric by Gerber Life, offers affordable term life insurance, free wills — and now a new investment account for your child. Fabric by Gerber Life has launched UGMA custodial accounts on their digital platform so you can invest for your child's future. How to open a UGMA account with Fabric by Gerber LifeOpening an account with Fabric by Gerber Life is simple and only takes about five minutes. Flexible spendingA UGMA account is a type of custodial account that permits parents/guardians to invest on behalf of a child/dependent.

Persons: —, Gerber, you'll, grantor, It's Organizations: Gerber Life, Service, Gerber, Fort Washington Investment Advisors, Social, Capital, IRS, Transportation Locations: There's

☆ NFL Week 7 Sunday: Bill Belichick earns historic win, Chiefs and Eagles claim wins
▼ + stars: | 2023-10-23 | by ( Ben Morse | ) edition.cnn.com time to read: +8 min

CNN —It might have been ‘super bye week’ in the 2023 NFL season – six teams weren’t taking the field – but the action that did take place didn’t disappoint. Legendary coach joins legendary companyThe New England Patriots have had a tough time of it lately. Belichick reacts after a play in the second half of the game against the Bills. The Bills fought back in the second half and the Patriots needed a late score to win the game. David Eulitt/Getty ImagesAfter the victory, Mahomes described why his connection with Kelce has worked so well over the years.

Persons: Bill Belichick, that’s, Mac Jones, Ezekiel Elliott, Don Shula, George Halas, Belichick, Patriots –, –, Maddie Meyer, “, I’m, ” Belichick, Josh Allen, Jones, Mike Gesicki, ” Jones, you’ve, “ You’ve, he’s, Madden, Patrick Mahomes, Mahomes, Travis Kelce, Taylor Swift, Brittany Mahomes, David Eulitt, Kelce, ” Mahomes, ”, ” Kelce, Justin Herbert, Bryan Cook, ” Herbert, Jalen, AJ Brown, Dallas Goedert, hadn’t, Tim Nwachukwu, Tua Tagovailoa, De’Von Organizations: CNN, Kansas City Chiefs, Philadelphia Eagles, Bowl, New England Patriots, Patriots, Buffalo Bills, Gillette, Sunday, New, Cleveland Browns, Bills, Super Bowl, ”, The Kansas City Chiefs, Detroit Lions, Los Angeles Chargers, Kansas City, Famer, Chargers, Chiefs, ” Eagles, Miami Dolphins, Super, Lincoln Financial, Eagles, Miami, Dolphins, Baltimore Ravens Las Vegas Raiders, Chicago Bears Cleveland Browns, Indianapolis Colts Buffalo Bills, New England Patriots Washington, New York Giants Atlanta Falcons, Tampa Bay Buccaneers Pittsburgh Steelers, Los Angeles Rams Arizona Cardinals, Seattle Seahawks Green Bay Packers, Denver Broncos Los Angeles Chargers, Kansas City Chiefs Miami Dolphins Locations: New England, Arrowhead, Kansas

To help future-proof emergency spending, I realized I might need insurance coverage. First is general liability coverage, which safeguards your business in the event someone makes a claim against you or your business. BOP also includes property coverage, which helps protect business property you own, lease or rent, including your buildings, equipment, furniture, and inventory. Find the Best Business Insurance for You Meet Simply Business. "In the event that a work-related injury or illness should occur, workers' compensation coverage helps provide protection for you and your employees," he said.

Persons: I've, Matthew Richards, Richards Organizations: Travelers Insurance, Business Insurance, Workers Locations: New York

☆ The vicious cycle of homeowners insurance: It's increasingly expensive to protect homes in the disaster-prone areas that need it most
▼ + stars: | 2023-09-20 | by ( Dan Latu | ) www.businessinsider.com time to read: +6 min

Earlier this year, Allstate joined State Farm in no longer offering new home insurance in California over climate risk. Across the country, 83% of prospective homebuyers said climate risk factored into where they are shopping for homes, according to a recent Zillow study. Danny Collins of Hobe Sound, Florida, told Insider in July how the bank holding his mortgage raised his monthly rate by $1,000, citing increased flood insurance. Matheus told Insider. Have you moved or are you considering a move because of climate risk and extreme weather events?

Persons: Carolyn Kousky, Berkshire Hathaway, Vox, Dave Jones, they'll, Danny Collins, Collins, Bob Stephens, Stephens, Martha Flanagan, Jason Beury, Charles Matheus, Kelly Roberge, Matheus, Dan Latu Organizations: Service, The Washington Post, Environmental Defense Fund, Allstate, Berkshire, Nationwide, National Association of Insurance, . Erie Insurance Group, Washington Post, State Farm, Farmers Insurance, Insurance, Wall Street, Journal, Hobe, Marathon Locations: Florida, Kansas, New York, California, Louisiana, United States, Coral, Florida's, Hobe Sound, Arizona, Brooklyn , New York, Kansas City , Kansas, Utica , New York, dlatu@insider.com

☆ Is Travel Insurance Worth It?
▼ + stars: | 2023-09-05 | by ( Kat Tretina | ) www.wsj.com time to read: +12 min

Trip cancellation and interruption coverage is the most common form of travel insurance, making up nearly 90% of travel protection plans sold. Travel medical: When you travel to another country, typical health insurance plans — including Medicare — don’t cover you. Like all forms of insurance, travel insurance policies don’t cover every event that can impact your vacation. “When you travel using airline miles and hotel points, most credit card travel insurance policies won’t cover the trips,” says Huffman. “If you do not get travel insurance, you are rolling the dice,” says Hines, who adds she always recommends travel insurance to her clients.

Persons: Kat, we’ve, it’s, ”, Tiffany Hines, Mark Friedlander, ” What’s, Friedlander, Lee Huffman, Huffman, Kevin Payne, Payne, Hines, “ We’ve, won’t Organizations: Global, Travel, Insurance Information Institute, Disease Control, Prevention, World Health Organization, Spirit Airlines, Delta, Allianz Travel Locations: Athens , Georgia, Europe, U.S

☆ How to buy a home insurance policy in era of climate risk and more frequent disasters
▼ + stars: | 2023-08-30 | by ( Cheryl Winokur Munk | ) www.cnbc.com time to read: +4 min

Frequent weather catastrophes, induced in part by climate change, are bearing down on homeowners and would-be buyers. Here's how consumers can navigate the home insurance market amid increasing climate-driven weather risks:The home insurance market disruption is going to get worseThings are likely to get worse for homeowners and would-be buyers. Also in June, Farmers Insurance became the latest insurer to pull out of Florida, a market that's been roiled with turmoil for many years. Policyholders should expect to pay moreThe average cost of homeowners insurance nationwide is $2,777 a year, with rates varying by state, according to Insurance.com, a consumer comparison service. Already, some homeowners are choosing to roll the dice on ownership without insurance rather than pay increasing premiums.

Persons: Hurricane Ian, Idalia, Ian —, John Dickson, David A, Sampson, —, George Hosfield, Rich Sorkin, Stephen Bennett Organizations: Global, Aon, American, Casualty Insurance Association . Insurance, LexisNexis, Allstate, Farmers Insurance, Jupiter Intelligence Locations: Pine, Hurricane, Matlacha , Florida, Florida, California, Cuba, Oklahoma, Hawaii, Arkansas, Louisiana , Nebraska , Iowa , Kansas , Oklahoma , Illinois, Kentucky, Tennessee

AdvertisementAdvertisementIn the end, I found I could save almost $600 by switching my auto insurance alone to another highly-rated insurance company, Travelers. And if I switched auto and homeowners insurance coverage to this insurer, I could save $1,335 annually. Compare auto insurance quotes from multiple providers with Coverage.com. Getting auto insurance quotesI'm a financially savvy person, but I still found shopping for car insurance quotes and switching plans rather daunting. Switching insurance companies was easier than I thoughtOne point of contention I had with switching companies is the fact I had already prepaid auto insurance coverage for the year.

Persons: I'm, Ashley Brown, Connor, That's Organizations: Allstate, Service, Travelers, Cincinnati Financial, Connor Insurance, Company Auto, Travelers Insurance Locations: Wall, Silicon, Indianapolis

USAA Preferred Cash Rewards Visa Signature Card RewardsThe USAA Preferred Cash Rewards Visa Signature® Credit Card offers a flat rate of 1.5% cash back as we already mentioned, and there is no welcome bonus offered on this card. USAA Preferred Cash Rewards Visa Signature Card Benefits and FeaturesThe USAA Preferred Cash Rewards Visa Signature® Credit Card doesn't have a ton of perks, but it does have some. USAA Preferred Cash Rewards Visa Signature Card vs. Wells Fargo Active Cash CardWhile the USAA Preferred Cash Rewards Visa Signature® Credit Card offers a better-than-average rate of 1.5% cash back with no annual fee, the Wells Fargo Active Cash® Card offers superior rewards and benefits by far. USAA Preferred Cash Rewards Card Frequently Asked QuestionsIs the USAA Preferred Cash Rewards Visa Signature Card a good card? Why You Should Trust Us: How We Reviewed the USAA Preferred Cash Rewards CardWhen reviewing the USAA Preferred Cash Rewards Visa Signature® Credit Card, we followed our credit card rating methodology.

Persons: Dash, USAA, Cash, you'll, Cardholders, it's, cardholders, Wells, Read Organizations: USAA, Wells, Chase Locations: J.D, USAA, Wells

The Best Pet Insurance for Senior DogsMany pet insurance companies have high premiums for older pets and exclude animals that have pre-existing conditions. Pet Insurance for Seniors Company ReviewsSpot Pet InsuranceThe first thing to love about Spot Pet Insurance: There's no upper age limit. Why You Should Trust Us: Our Expert Panel for the Best Pet Insurance for Senior DogsTo put together this list of the best pet insurance for seniors, we interviewed the following experts:Vanessa Selger, an emergency veterinarian in Virginia Beach. Methodology: How We Chose the Best Pet Insurance for Senior DogsTo choose the best pet insurance for seniors, we compared more than 14 pet insurance companies and followed our insurance rating methodology. The Experts' Advice on Choosing The Best Pet Insurance for SeniorsWhen you're choosing pet insurance for senior animals, there are three main factors: the cost, your pet's age, and their health.

Persons: they're, Trupanion, Vanessa Selger, you'll, it's, Pumpkin, It's, Figo, ASPCA, Kari Steere, Selger, Steere Organizations: Insurance, Senior Dogs, Reading Chevron, Pet Insurance, Pet, American Kennel, AKC Insurance, Seniors Locations: Virginia Beach

I looked into getting new homeowners insurance and found I could save around $900 a year. We have also had a $2 million umbrella insurance policy for the last few years, which complicates matters even more. But in recent years, we've sold our two rental properties, so we're back down to the basics of homeowners insurance, auto coverage, and umbrella insurance. Note that you can also use a homeowners comparison site like The Zebra to compare several homeowners insurance quotes in one place. Comparing costs and coveragesUltimately, I found that switching homeowners insurance companies could help me save as much as $900 per year.

Persons: I'm, —, I've, we've Organizations: Service, Allstate, State, Liberty Mutual, GEICO Liberty Mutual, Central Indiana, Insurify, Progressive Locations: GEICO

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). As someone who only has one personal credit card, I was nervous about applying for a new credit card and wanted to make sure it was something I really needed. After seeing how complicated I was making my finances and bookkeeping by charging business items to my personal credit card, I decided it was time to get a business credit card and opened up the Capital One Spark Miles for Business. But in addition to being able to use credit card rewards for free travel, my business card also helped me save money over the years in other ways. Over the years, I've found myself using several different insurance coverages that come with my business credit card.

Persons: —, I've, That's Organizations: Service, Business, Chevron, Capital, FedEx

Compare Chase Sapphire Preferred and Reserve Chase Sapphire Preferred® CardChase Sapphire Reserve® Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. with either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you're covered for up to $10,000 per ticket. Travel Accident InsuranceOf all the travel insurance you'll hopefully never need, travel accident insurance must be at the top of the list. Both the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® offer trip cancellation and interruption insurance. To use the travel insurance that comes with the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, all you need to do is pay for your travel with your card.

☆ Do I Need Rental Car Insurance?
▼ + stars: | 2023-04-17 | by ( ) www.wsj.com time to read: +10 min

By Ben LuthiWhen you rent a car, the most stressful decision just might be whether to accept the rental car insurance. Rental car insurance can provide short-term coverage if you need to rent a vehicle on vacation or while your car is in the shop. Types of rental car insuranceCar rental companies offer four different types of car rental insurance coverage, most of which may already be covered by your personal auto policy. However, note that liability protection and insurance for personal injuries or belongings are not included in credit card rental car insurance. When do you need rental car insurance?

No matter your destination, single trip travel insurance may be the ticket to protecting your investment and providing peace of mind before, during, and after takeoff. How does single trip travel insurance work? Who needs single trip travel insurance? For example, you'll need travel medical insurance for emergencies as your standard health insurance probably won't cover you abroad. For example, you'll need travel medical insurance for emergencies as your standard health insurance probably won't cover you abroad.

Travel insurance weekly rates at a glance:Average premium: $336.52Average trip cost: $6,758.36Average trip length: 15 daysWhat is travel insurance? See Insider's picks for the best travel insurance »Some credit cards offer a limited amount of travel insurance annually. Policy type Average days between purchase to trip Average trip length (days) Average trip cost Average cost of travel insurance Cancellation 53 13 $6,758.36 $403.47 Non-cancellation 16 19 N/A $91.33Source: SquareMouthWhen is the best time to travel? When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Travel Insurance Rates FAQsHow much does travel insurance cost?

Travel insurance weekly rates at a glance:Average premium: $316.57Average trip cost: $6,747.16Average trip length: 15 daysWhat is travel insurance? See Insider's picks for the best travel insurance »Some credit cards offer a limited amount of travel insurance annually. Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Policy type Average days between purchase to trip Average trip length (days) Average trip cost Average cost of travel insurance Cancellation 53 13 $6,747.16 $396.32 Non-cancellation 16 19 N/A $91.01Source: SquareMouthWhen is the best time to travel? When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

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