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Goldman Sachs initiated coverage of Disney with a buy rating and a price target that implies more than 20% upside. Elsewhere, Piper Sandler raised its price target on Uber, calling for nearly 25% upside. Analyst Jonna Kim simultaneously raised her price target to $30 from $28, citing a likelihood in earnings upside. As a catalyst, Kim cited "potential upside to FY24 Street estimates given solid topline momentum combined with margin expansion on continued inventory & expense management." — Lisa Kailai Han 5:41 a.m.: Goldman Sachs initiates Disney with a buy rating Disney has room for upside growth ahead, according to Goldman Sachs.

Persons: Goldman Sachs, Raymond James, Piper Sandler, TD Cowen, Jonna Kim, Kim, Lisa Kailai Han, Jeff Chung, Chung, — Lisa Kailai Han, Ranjan Sharma, Sharma, Uber, Thomas Champion's, AMZN, Michael Ng, Ng, Raymond James downgrades, RJ Milligan, Milligan, PENN, Fred Imbert Organizations: CNBC, Disney, Penn Entertainment, Navy, Citi, IHS, Volkswagen, JPMorgan, Google, Yahoo, Uber, ESPN, Netflix, Disneyland, Raymond James downgrades Penn Entertainment, NFL, Penn Locations: 2024E, 2025E, Singapore, TikTok, Indonesia, Philippines, Malaysia, Monday's

☆ How to pick a good, affordable college before applying
▼ + stars: | 2024-06-17 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +8 min

New York CNN —Long before you take your high schooler on college campus tours, consider this: Shopping for college shouldn’t be any different than shopping for a home. Getting into that top 25% cohort is based on SAT or ACT scores, and having a high, unweighted GPA based on a rigorous high school curriculum. Other ways to reduce college costs before applyingWhile your children are in high school they can take other steps to reduce the total cost of their education. If their high school doesn’t offer them, there is a program called Freshman Year for Free offered by the Modern States Education Alliance. Getting the minimum AP scores a college requires to earn a college credit will lower how much you ultimately have to spend on tuition.

Persons: New York CNN — Long, ”, Beth Walker, Walker, doesn’t, pare, Mike McKinnon, won’t, Todd Fothergill, Fothergill, you’re, ” Fothergill, ” Walker, Said Walker, “ Organizations: New, New York CNN, shouldn’t, “, College, ”, National Institute of Certified College Planners, Ivy League, Loan, Students, Stafford, American, Tax, of Education College, College Board, Free, Modern States Education Alliance Locations: New York

☆ The digital dermatologist will see you now
▼ + stars: | 2024-06-13 | by ( Susan Griffin | ) edition.cnn.com time to read: +8 min

video calls and digital images to discuss skin concerns remotely) compared to 14.1% pre-Covid, said the American Academy of Dermatology. The advent of digital dermatology, pushed forward by increasingly innovative and sophisticated digital tools — not only smartphones and video calling apps but artificial intelligence — is enabling a growing number of global brands to diagnose, prescribe and produce bespoke creams via virtual consultation rooms. I tried Klira, a digital dermatology service co-founded in 2021 by British dermatologist Dr. Emma Craythorne. From Simon Ourian MDWhile digital dermatology makes it possible to access the expertise of people who might otherwise be out of your price bracket or zip code, there are inevitable drawbacks and limitations to using a digital dermatologist exclusively. “Although it was not a total transformation, my skin did get a bit better and I would recommend the digital dermatologist route,” she said.

Persons: tweens, ”, Shoshana Marmon, Emma Craythorne, Klira’s, dermatologists, Craythorne, Claire Todd, Emily Thompson, Dr Simon Ourian, Kim Kardashian, Megan Fox —, Dr Simon, “ I’d, Simon Ourian, Thompson, ” Dr, Ifeoma Ejikeme, Bryony Firth, “, I’d, I’ve, Ejikeme Organizations: CNN, Technology, American Academy of Dermatology, Dermatology, New York Medical College, Klira, Adonia Medical Clinic Locations: Cleethorpes, England, Los Angeles, London, Bernard, Gloucestershire, New York

☆ Internet addiction may harm the teen brain, MRI study finds
▼ + stars: | 2024-06-04 | by ( Kristen Rogers | ) edition.cnn.com time to read: +8 min

A new study has possibly captured that objectively, finding that for teens diagnosed with internet addiction, signaling between brain regions important for controlling attention, working memory and more was disrupted. Specifically, internet ‘addiction,’ which was initially conjured up by (psychiatrist) Ivan K. Goldberg in 1995 as a joke. Das wasn’t involved in the study. “Overall, the mechanisms underlying internet addiction are more like an emerging pattern than a finished picture,” Chang said. “Similar to substance and gambling disorders, internet addiction rewires the brain, making it harder to resist internet related stimuli,” he added.

Persons: ”, Max Chang, ” Dr, David Ellis, Ellis, wasn’t, Ivan K, Goldberg, ’, ” Ellis, isn’t, Eva Telzer, ” Telzer, Smita Das, Das wasn’t, Caglar, Yildirim wasn’t, ” Chang, Chang, Yildirim, Das, ” Das, “ Organizations: CNN — Teens, Mental Health, Brigade, Family Service, University of Bath’s Institute for Digital Security, Disorders, University of North, Chapel Hill, Stanford Medicine, Khoury College of Computer Sciences, Northeastern University, American Psychiatric Association, APA Locations: San Francisco, United States, Asia, China, University of North Carolina, Chapel, California, Boston, APA’s

☆ Buying a home in retirement: Here’s what it takes for retirees to get a mortgage
▼ + stars: | 2024-06-01 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +7 min

Lenders’ chief focus will be on your ability to repay your mortgage with your various sources of non-paycheck income. “When you qualify for a mortgage, it’s all based on your income,” said Melissa Cohn, regional vice president at William Raveis Mortgage. That ratio falls to between 43% and 45% if you’re taking out a jumbo loan, she added. What you should consider before taking out a mortgageEven before seeking a mortgage, get a good grasp on your expected monthly income and expenses in retirement. To get the truest reading on what makes financial sense, compare mortgage expenses to your investment returns on an after-tax basis, Stork noted.

Persons: ”, Jim Stork, homebuyers, you’ve, Melissa Cohn, we’ll, Fannie Mae, ” Cohn, Cohn, Mark Luscombe, Cohen, Lori Trawinski, Trawinski, you’re, Stork, ” Stork Organizations: New, New York CNN, National Association of Realtors, William, Mortgage, Social Security, Wolters, Kluwer, Accounting, AARP Locations: New York, Illinois, Florida

☆ These stocks are the most hated on the Street, but their fundamentals are improving
▼ + stars: | 2024-05-31 | by ( Lisa Kailai Han | ) www.cnbc.com time to read: +3 min

Some stocks on Wall Street are absolutely hated by analysts and investors, but their fundamentals are improving, leaving a potential buying opportunity for contrarian investors, according to UBS. Most analysts currently covering the stock have assigned it a hold rating, with predicted upside of about 16% to consensus price targets. "The iconic automaker continues to enjoy strong profits from its core markets and a policy driven investment cycle in the U.S," the analyst wrote. Most analysts have assigned Airbnb stock a hold rating. The analyst consensus has shares at a hold rating, with predictions suggesting the stock could rise an average of 26% from its Thursday close.

Persons: Jonathan Golub, Bernstein, Daniel Roeska's, Wedbush, Scott Devitt, Ben Chaiken, Jan, Chaiken, Clorox, Estee Lauder, — CNBC's Michael Bloom Organizations: UBS, Stocks, Wall, Ford Motor, Ford, Cruise, Mizuho, Pfizer, Gartner, Northern Trust

☆ Veteran shares his harrowing bear attack survival story
▼ + stars: | 2024-05-28 | by ( Marnie Hunter | ) edition.cnn.com time to read: +6 min

I never let go of the bear spray can,” Burke wrote in the post. He interlaced his fingers behind his neck with the bear spray canister caught in one of his fingers,” NPS said via email. “I recorded a short video telling my people that I loved them.”A photo provided by the National Park Service shows the airlift operation. “The number one thing that kept me alive during the attack was reading and understanding what to do in the event of a bear attack and being prepared with the bear spray,” he said in his post. • Carry bear spray, know how to use it, and keep it readily accessible.

Persons: CNN — Shayne Patrick Burke, Burke, “, ”, ” Burke, “ I’ve, Chloe Organizations: CNN, grizzlies, National Park Service, Army, NPS, Teton Interagency Dispatch Center, John’s Locations: Wyoming, Grand Teton, South Hadley , Massachusetts, Massachusetts, Teton, St

Meanwhile, JPMorgan upgraded Huntington Bancshares to overweight from neutral, with a price target that implies upside of 31%. Analyst Scott Hanold's $90 price target implies that shares of Civitas could rise 25% from here. These two headwinds combined together could create near-term pressures for the stock by limiting Zscaler's billings growth, the analyst wrote. Nowinski's price target of $182, down from $275, implies the stock could rise 6% from here. The bank upgraded shares of the cruise operator to buy from neutral and lifted its price target to $24 from $21.

Persons: Mizuho, Scott Hanold's, Hanold, — Lisa Kailai Han, Wells, Andrew Nowinski, F4Q24, Nowinski, Patrick Cunningham, Cunningham, Lisa Kailai Han, Andrew Boone, Boone, Max, Duolingo, Ben Chaiken, Jan, Chaiken, Steven Alexopoulos, Alexopoulos, Huntington, Fred Imbert Organizations: CNBC, Cruise Line, JPMorgan, Huntington, RBC, Civitas Resources, RBC Capital Markets, Citi, DuPont DuPont, DuPont, Max, Mizuho, Cruise Locations: DAU, Mizuho, Norwegian, Huntington Bancshares, Columbus , Ohio, Friday's

Morgan Stanley accompanied the move by cutting its price target to $100 from $120. His $185 price target, up from $160, forecasts that shares of Take-Two could rally 23% from Wednesday's close. — Lisa Kailai Han 5:55 a.m.: Bernstein initiates Ford at an outperform rating Investors who don't own Ford are missing out, according to Bernstein. — Lisa Kailai Han 5:55 a.m.: JPMorgan upgrades Hasbro Don't expect Hasbro's momentum to slow in the near future, according to JPMorgan. It also raised its price target on shares to $74 from $61, implying upside of 22%.

Persons: Bernstein, Morgan Stanley downgrades NetEase, Morgan Stanley, Alex Poon, Poon, Lisa Kailai Han, Omar Dessouky, Dessouky, — Lisa Kailai Han, Sam Poser, Sean Dodge, Dodge, GoodRx, Ford, Daniel Roeska, Roeska didn't, Roeska, Christopher Horvers, Fred Imbert Organizations: CNBC, Ford, JPMorgan, Hasbro, NetEase, Bank of America, Rockstar Games, Rockstar, Supreme, Corp, Trading, EMEA, Timberland, RBC, RBC Capital Markets, pharma, Kroger Locations: China, Wednesday's, Americas

☆ China's sweeping measures to prop up the property sector will need time to show results
▼ + stars: | 2024-05-21 | by ( Evelyn Cheng | ) www.cnbc.com time to read: +3 min

A real estate construction site in Wanxiang City, Huai 'an City, East China's Jiangsu province, May 17, 2024. Future Publishing | Future Publishing | Getty ImagesBEIJING — China's sweeping moves on Friday to increase support for real estate will take time to show results, analysts said. Despite the news, S&P is still sticking to its base case from earlier in the month that China's property market is likely still "searching for a bottom," Edward Chan, director, corporate ratings, said during the firm's webinar on Monday. But he pointed out that for real estate to see significant stabilization, homebuyers' demand and confidence will need to improve after a market downturn of nearly three years. "We believe Beijing is headed in the right direction with regard to ending the epic housing crisis," Nomura's Chief China Economist Ting Lu said in a report Monday.

Persons: Huai, Edward Chan, Ting, Nomura, Goldman Sachs, Chief China Economist Hui Shan, Ting Lu, P's Chan Organizations: Future Publishing, Getty, BEIJING, Chief China Economist, China Locations: Wanxiang City, City, East China's Jiangsu, Hong Kong, Beijing, Ting Lu, China

☆ Creating an income-producing portfolio
▼ + stars: | 2024-05-20 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +7 min

A lot goes into creating and managing an income-producing portfolio that works for you. Knowing your expenses will give you a good sense of the income you’ll need. Ways to generate incomeTake the income you think you’ll need and subtract from that the income you expect. For example, if you need $65,000 a year but will only bring in $40,000, you’ll need to generate the other $25,000. • For money you’ll need in three to five years, use short-term corporate bonds as well as longer-term CDs.

Persons: it’s, Will, David Seufer, you’ll, Marguerita Cheng, ”, David Edmisten, Edmisten, Cheng, ” Seufer, “, ” Edmisten, Seufer, they’re, ” Cheng Organizations: New, New York CNN, Gravitas, Social Security, Blue, ” Capital, Social Locations: New York

☆ Analysis: Why Republicans are likely to win the Senate this year
▼ + stars: | 2024-05-18 | by ( Harry Enten | ) edition.cnn.com time to read: +6 min

Senate Democrats (including independents who caucus with them) hold 23 seats up for election this year; Republicans hold 11. Positive signs for DemocratsBut is the race for the Senate really over if Republicans just win West Virginia? Democratic Senate candidates seem to be at least tied or ahead in Arizona, Michigan, Montana, Nevada, Ohio, Pennsylvania and Wisconsin. Of course, Democratic Senate candidates outrunning the top of the ticket is nothing new. For Democrats to have any chance of holding the Senate, Republicans would have to lose all these Senate races.

Persons: we’ve, Donald Trump, Trump, Democratic Sen, Joe Manchin, Simone Pathe, it’s, we’re, Joe Biden, Biden, Sens, Bob Casey of Pennsylvania, Tammy Baldwin, Kari Lake, Lake, Nevada’s, Missouri’s Todd Akin, Mehmet Oz, Mark Kelly, Larry Hogan, I’m, ” Organizations: CNN, White, Senate, Republicans, Democratic, Republican, Republican Senate, Democrats, Florida, GOP, West Virginia, New York Times, Siena College, Biden Locations: nonjudicial, West Virginia, Texas, West, Arizona , Michigan, Montana , Nevada , Ohio, Pennsylvania, Wisconsin, Arizona, Nevada , Pennsylvania, Senate, Maine, Arizona , Nevada , Montana and Ohio, Montana, Ohio, Michigan , Pennsylvania, Maryland –

☆ You just heard your college-bound child is getting less aid than you hoped. Now what?
▼ + stars: | 2024-05-10 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +8 min

New York CNN —The good news is your child got into college and is preparing to enroll this fall. The bad news is that you’ve just learned the aid package your child’s school is offering is much smaller than you’d hoped. Over four years of college, students can take out a total of up to $27,000. “That’s cash-flow friendly while your child is in college,” Walker said. Also, Bogardus suggests checking to see if your state offers a tuition aid plan or subsidized loan rates for educational expenses.

Persons: you’ve, sobering, ”, Beth Walker, “, ” Walker, they’ve, Joseph Bogardus, it’s, Bogardus, Skip, Walker, you’ll Organizations: New, New York CNN, College Board, Center for College Planning Solutions, College, ”, Stafford, PLUS Locations: New York, New England, Stafford

☆ Analysis: Why the Israel-Hamas war isn’t Biden’s Vietnam
▼ + stars: | 2024-05-03 | by ( Harry Enten | ) edition.cnn.com time to read: +5 min

CNN —Joe Biden’s Democratic base has been divided over the Israel-Hamas war. To some, including people within Biden’s own party, the public demonstrations against the war in Gaza remind them of the Vietnam War protests. A mere 2% answered with some version of the Israel-Hamas war (e.g., the Middle East conflict). An unpopular warThis is dramatically different from what we saw in 1968, when the Vietnam War forced President Lyndon Johnson to abandon his reelection bid. Only a small fraction of that polling decline can be attributed to Biden’s war response.

Persons: Joe Biden’s, Biden, That’s, Lyndon Johnson, it’s, Donald Trump, Trump, Biden’s Organizations: CNN, Joe Biden’s Democratic, NBC, Gallup, Republican, Trump, Black South, ABC, Quinnipiac Locations: Israel, Gaza, Vietnam, Africa’s, South Africa

☆ Friday's analyst calls: Street reacts to Apple buybacks and Coinbase earnings
▼ + stars: | 2024-05-03 | by ( Alex Harring | ) www.cnbc.com time to read: +12 min

Analyst Scot Ciccarelli upgraded the retailer to buy from hold and raised his price target by $6 to $86. — Alex Harring 6: 22 a.m.: Here's what Wall Street thinks of Coinbase's earnings Coinbase's stronger-than-expected earnings have prompted analyst reactions. Barclays' Benjamin Budish (underweight, $179 price target unchanged, 21.8% downside): "The biggest question going forward is, how sustainable are these trends? — Alex Harring 6:12 a.m.: Wall Street reacts to Apple earnings Apple's buyback announcement has caught the eye of Wall Street analysts. Analyst Benjamin Nolan upgraded the railroad stock to buy from hold and increased his price target by $19 to $267.

Persons: Morgan Stanley, Jefferies, Bernstein, Aneesha Sherman, Sherman, — Alex Harring, Truist, Scot Ciccarelli, Ciccarelli, Ollie's, Estee Lauder, Dara Mohsenian, Mohsenian, Alex Harring, FactSet, Coinbase, what's, —, Goldman Sachs, Will Nance, Benjamin Budish, Oppenheimer's Owen Lau, JPMorgan's Samik Chatterjee, Morgan Stanley's Erik Woodring, Michael Ng, bullish, George Notter, Notter, We've, it's, Stifel, Benjamin Nolan, Nolan, — Alex Harring —, Michael Bloom Organizations: CNBC, Arista and Union Pacific, Apple, Arista, FactSet, Barclays, Bloomberg, ASU, Street, Services, Jefferies, Arista Networks, Nvidia, Microsoft, Meta, Pacific, Union Pacific Locations: F3Q, China, Thursday's

☆ These 70 House Democrats and 21 Republicans voted against a bill to crack down on antisemitism on college campuses
▼ + stars: | 2024-05-01 | by ( Bryan Metzger | ) www.businessinsider.com time to read: +4 min

70 House Democrats voted against it, including the longest-serving Jewish House Democrat. AdvertisementThe House of Representatives passed a bill on Wednesday designed to crack down on antisemitism on college campuses. The bill sailed through by a 320-91 bipartisan vote, with 70 House Democrats and 21 House Republicans voting against it. In December, Nadler also led 92 House Democrats in voting "present" on a GOP-sponsored resolution that equated anti-Zionism with antisemitism. 13 House Democrats voted against the resolution outright.

Persons: —, Mike Lawler, That's, Jerry Nadler —, Nadler, Hakeem Jeffries, Mike Johnson, Marjorie Taylor Greene, Jesus Christ, Jesus, Herod, Read, Y0eeOiVfnw —, Marjorie Taylor Greene 🇺🇸 ( Organizations: Jewish House Democrat, Service, Democrats, Republicans, Lawmakers, Republican Rep, of Education, International Holocaust, Alliance, State, Jewish House, Department of Education, Department, Education, GOP, Interagency, Force, House, Catholic Locations: York, Israel, Georgia

☆ Once-hot AI play Super Micro is getting crushed, but most analysts are staying bullish
▼ + stars: | 2024-05-01 | by ( Lisa Kailai Han | ) www.cnbc.com time to read: +3 min

Super Micro Computer shares are selling off at the moment, but major Wall Street firms are hopeful about the company's long-term prospects. Super Micro, one of the vendors that builds Nvidia-based servers, released quarterly results on Tuesday after market close. Super Micro also bumped up its fiscal 2024 revenue guidance above its previously estimated range and what analysts are expecting. But a revenue miss dragged shares of Super Micro 16% lower on Wednesday. On the other hand, Goldman Sachs and Wells Fargo maintained their neutral-equivalent ratings for shares of Super Micro.

Persons: LSEG, Samik, Chatterjee, Ruplu Bhattacharya, George Wang, Wang, Goldman Sachs, Wells Fargo, Wells, SMCI, Michael Ng, Ng Organizations: Micro Computer, Nvidia, Super, JPMorgan, Barclays, Bank of America, DELL Locations: CY25, East, UAE, Saudi Arabia, Sweden, Japan, Korea, Malaysia

☆ Tuesday's analyst calls: Nvidia to get a boost from new chip, Ralph Lauren poised to jump
▼ + stars: | 2024-04-30 | by ( Lisa Kailai Han | ) www.cnbc.com time to read: +9 min

Tuesday's analyst calls focused on red-hot tech giant Nvidia, which is seen as benefitting from the release of its new Blackwell chip, the GB200. 7:02 a.m.: Deutsche Bank sees 33% upside for Live Nation on strong fundamentals Strong fundamentals could spell further upside for shares of Live Nation Entertainment , according to Deutsche Bank. Soff also applauded the company for expanding into new add-on services, including providing upselling opportunities and selling advertising on the Live Nation app. Although a potential regulatory investigation could curtail the stock, Soff doesn't believe that Live Nation stock will ultimately take much damage. 6:03 a.m.: Jefferies initiates Ralph Lauren at a buy, sees momentum with younger consumers Ralph Lauren is shaping up to be a quality growth stock, according to Jefferies.

Persons: Blackwell, Jefferies, Ralph Lauren, Benjamin Soff's, Soff, shouldn't, — Lisa Kailai Han, Airbnb, James Lee, Lee's, headwinds, Brent Thrill, Ashley Helgans, Ralph Lauren's, Helgans, Taylor Swift, Timothy Acuri, Acuri, Hopper, — Lisa Kailai Han — CNBC's Michael Bloom Organizations: CNBC, Nvidia, UBS, Deutsche Bank, Nation, Live Nation Entertainment, Mizuho, Paris, tailwinds, Paris Olympics, Chegg, Blackwell, Microsoft, Oracle Locations: Europe

☆ Teen vaping linked with toxic lead exposure, study finds
▼ + stars: | 2024-04-29 | by ( Kristen Rogers | ) edition.cnn.com time to read: +6 min

Now, a new study, building upon previous evidence, has found that among teens, vaping often may spike the risk of exposure to lead and uranium — potentially harming brain and organ development in young people. However, chronic exposure to metals, “even at low levels, can lead to detrimental health impacts, affecting cardiovascular, renal, cognitive and psychiatric functions,” she added. The study was conducted at one point in time, so the authors couldn’t control for chronic or long-term exposure. The authors acknowledged that their study is observational, meaning it didn’t find a causal relationship between vaping and toxic metal levels. But knowing why this preference led to higher uranium exposure requires more research.

Persons: CNN — Vaping, vaping, ”, Hongying Daisy Dai, Vaping, Dai, coauthors, vaped, Dai wasn’t, ” Dai, “, Lion Shahab, Shahab, wasn’t, don’t, ” Shahab Organizations: CNN, Tobacco, Tobacco Survey, US Food and Drug Administration, biostatistics, University of Nebraska Medical Center, National Youth Tobacco Survey, Tobacco and Health, University College London, UCL Tobacco, Alcohol Research, ” Locations: United States, vaping

☆ CNN Analysis: No, Trump’s legal woes aren’t helping him
▼ + stars: | 2024-04-28 | by ( Harry Enten | ) edition.cnn.com time to read: +5 min

Trump’s success might make you believe that he has turned the conventional wisdom on its head – that somehow, his legal troubles are helping him politically. There isn’t much of a sign that Trump’s legal woes are helping him among the wider electorate, even if they aren’t hurting him necessarily. Consider Trump’s polling against President Joe Biden. You might think that Trump would be gaining against Biden, if the cases against Trump were helping him. It’s not clear whether the money Trump’s raising because of appeals to his base during his legal troubles is offsetting the amount his committees are spending.

Persons: Donald Trump, Joe Biden, Trump, Biden, pollster, pollsters, don’t, Trump’s, isn’t, he’s, I’m Organizations: CNN, Republican, Biden, Trump, Marist College, Reuters, New York Times, Siena College, NBC, Quinnipiac University, Marquette University Law School, Times, Financial Times Locations: York, Quinnipiac, New York

If you already have life insurance, consider adding funeral or burial insurance, also known as "final expense" insurance. Final expense insurance, also called burial or funeral expense insurance, covers end-of-life expenses like the funeral service, body preparation, cremation, the casket or urn, transportation, etc. Types of final expense policiesBesides term and permanent life insurance, final expense insurance comes in several forms. Final expense life insurance is for those who might be in poor health and can't qualify for traditional life insurance. Final expense life insurance FAQsWho should consider final expense life insurance?

Persons: you'll, It's Organizations: AARP, Consumers Alliance, Colonial Penn, Mutual, Life Insurance, Chevron Locations: Colonial, Omaha, Illinois

How to cancel your life insurance policyCanceling a term life insurance policyThere are several ways to cancel a term life insurance policy. Alternatives to life insurance cancelationcanceling your life insurance policy isn't ideal if you have dependents who rely on your income for financial support. If you have a whole life insurance policy, look into reduced paid-up life insurance. Life insurance settlementIf you don't have a terminal diagnosis and you want to sell your term life insurance policy, you can apply for a life insurance settlement with a third-party provider instead of canceling your policy. Canceling life insurance FAQsWill I get any money back if I cancel my life insurance policy?

Persons: Lucas Siegel, Siegel, wouldn't, policyholders, you've Organizations: Internal Revenue Service

To submit a life insurance claim, however, you'll need to know which life insurance company holds the person's policy. NAIC's Life Insurance Policy Locator ServiceIf you don't know the insurance company your deceased loved one has a policy with, the NAIC's Life Insurance Policy Locator Service can help with your search. What to do once you find a life insurance policyFiling a claimOnce you've identified the insurance company and retrieved the deceased's policy information, follow these steps to claim a found life insurance policy:Contact the insurance company: The insurer will provide the claims form and instructions. The closest living relative (e.g., spouse or child)The policy's beneficiaryEstate executors and TrusteesFinding life insurance policy frequently asked questionsHow can I determine what type of life insurance policy I need? Only the beneficiaries named in the policy or their legal representatives have the right to file a claim on a life insurance policy.

Persons: you've, Policygenius Organizations: National Association of Insurance, Social, National Association, Insurance, Financial

☆ What a buyer’s agent will do for you when you’re looking for a new home
▼ + stars: | 2024-04-22 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +8 min

The obligations of a buyer’s agent to youLegally and ethically, buyer’s agents have six key obligations to you. Obedience: While they can make recommendations, a buyer’s agent must follow your instructions, assuming you’re not asking them to do anything illegal. Such a body may be known as the real estate commission, the board of real estate or department of real estate. Find out, too, if the agent has availability that will work with your schedule, said David Kent, founder of The Real Buyer’s Agent in Charleston, South Carolina. It also may include what commission you will pay the agent if the seller of a home you buy hasn’t agreed to pay both the listing agent and the buyer’s agent, which is traditionally how it’s been done.

Persons: –, ”, Amy Lessinger, That’s, ” Lessing, Lessinger, else’s, you’re, RESPA, they’re, Jason Abrams, David Kent, Kent, ” Abrams, Abrams Organizations: New, New York CNN, National Association of Realtors, NAR, National Association of Real, Keller Williams Realty Inc Locations: New York, Charleston , South Carolina

☆ Here are the top 10 smartest cities in the world — and none are in the U.S.
▼ + stars: | 2024-04-22 | by ( Ernestine Siu | In Ernestinesiu | ) www.cnbc.com time to read: +4 min

These are the ten smartest cities in the world, according to IMD. This year's index was produced by the IMD World Competitiveness Center's Smart City Observatory in collaboration with the World Smart Sustainable Cities Organization (WeGO) that's based in Seoul, South Korea. Smart cities in Europe and Asia are gaining ground globally while North American cities have fallen down the ranks, according to the 2024 Smart City Index released April. Here are the top 10 smart cities, according to the 2024 Smart City Index. While European cities dominated the list, Asian cities are gaining ground too.

Persons: Bruno Lanvin, Lanvin Organizations: IMD, Smart, Smart Sustainable Cities Organization, United Arab Emirates, Washington DC, San, U.S, Boston, CNBC Locations: Seoul, South Korea, Europe, Smart, Asia, Zurich, Switzerland Oslo, Norway Canberra, Australia Geneva, Switzerland Singapore Copenhagen, Denmark Lausanne, Switzerland London, England Helsinki, Finland Abu Dhabi, Denver, Los Angeles, San Francisco, New York City, Chicago, Singapore, Beijing, Taipei City, Shanghai

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