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Canceling Life Insurance
  + stars: | 2024-04-26 | by ( Ronda Lee | Alani Asis | Paul Kim | ) www.businessinsider.com   time to read: +11 min
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
How to Find a Life Insurance Policy
  + stars: | 2024-04-24 | by ( Liz Knueven | Alani Asis | Paul Kim | ) www.businessinsider.com   time to read: +12 min
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
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
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
Morgan Stanley reiterates Ford and General Motors at overweight Morgan Stanley remains bullish on both automakers. Loop initiates DoorDash as buy Loop said in its initiation of the stock that it has more earnings potential. We think that years of debate over viability and earnings potential of on-demand gig platforms has been settled." Morgan Stanley upgrades Shopify to overweight from equal weight Morgan Stanley said market share gains are increasing for Shopify. Morgan Stanley reiterates Microsoft at overweight Morgan Stanley said it's bullish heading into earnings next week. "
Persons: Oppenheimer, Morgan Stanley, Ford, Mizuho, Jefferies, Ulta, they've, Riley, we've, Wells, Sunnova, it's, we're, Edward Jones downgrades Hershey, Edward Jones, Hershey, Wolfe, Raymond James downgrades, Raymond James, Dell, Needham, Baird, COLM Organizations: Nvidia, General Motors, GM, Mizuho, Netflix, Bank of America, Lam Research, NOVA, " Bank of America, Meta, JPMorgan, Charlotte, Shopify, RBC, Inspire, Systems, Microsoft, UBS, Columbia Locations: U.S, Charlotte , North Carolina
This work diminished short-term revenue, but was best for customers, much appreciated, and should bode well for customers and AWS longer-term. We're also making progress on many of our newer business investments that have the potential to be important to customers and Amazon long-term. Being intentional about building primitives requires patience. Customers building their own FM must tackle several challenges in getting a model into production. Customers' AI models contain some of their most sensitive data.
Persons: Andy Jassy, Jassy, Jeff Bezos, he's, we've, Martha Stewart, Clinique, we're, We've, bode, We're, I've, iterating, We'd, we'd, Fox, affordably, you've, They're, Anthropic, that's, Claude, Dana, debugs, Slack Organizations: Amazon, Services, AWS, Deal, Prime, MGM, Savings, Regions, Citadel, Target, Storage Service, Netflix, Disney, Max, Paramount, CIA, . Intelligence, Amazon Freight, Carrier, Amazon Shipping, Foods, Drones, Amazon Pharmacy, Amazon Clinic, Robotics, Nvidia, Ricoh, NatWest, FMs, Meta, Bridgewater Associates, Farber Cancer Institute, Delta Air Lines, Intuit, KT, Lonely, LexisNexis, Netsmart, Pfizer, PGA, Rocket Companies, Siemens, Media, Inc Locations: North America, U.S, Europe, India, Brazil, Australia, Mexico, Middle East, Africa, Malaysia, New Zealand, Kingdom of Saudi Arabia, Thailand, Berlin, Hulu, Amdocs, Genomics England, GoDaddy, GenAI
Foxes were once humans’ best friends, study says
  + stars: | 2024-04-11 | by ( Mindy Weisberger | ) edition.cnn.com   time to read: +7 min
Archaeologists originally uncovered the near-complete D. avus skeleton buried alongside a human at Cañada Seca, a site in northern Patagonia, in 1991. Parts of the D. avus specimen were buried alongside a human at Cañada Seca, a site in northern Patagonia. D. avus lived from the Pleistocene Epoch (around 2.6 million to 11,700 years ago) into the Holocene, becoming extinct about 500 years ago. With a similar diet to D. avus, dogs may have helped speed the foxes’ extinction by outcompeting them. Dogs could also have carried and transmitted diseases that sickened the foxes, Lebrasseur added.
Persons: wasn’t, Ophélie, avus, Francisco Prevosti “, Dusicyon avus, , Lebrasseur, Cinthia, ” Lebrasseur, Dr, Aurora, d’Anglade, , Francisco Prevosti, it’s, ” Mindy Weisberger Organizations: CNN, Wellcome Trust, Archaeology Research, University of Oxford’s School of Archaeology, Royal Society Open Science, Argentina’s, Technical Research, Universidade, Oxford, Scientific Locations: what’s, Argentina, South America, Cañada Seca, Patagonia, United Kingdom, Europe, Asia, Spain, Patagonia . Hunter
In Europe — much like in the U.S. — a few key stocks have been driving the market, especially earlier this year, according to Morgan Stanley. In late February, just five stocks were responsible for 60% of European stock market gains year-to-date, the bank said. The company has grown into one of the largest, most integrated payment providers, Morgan Stanley said. Exclusive Networks Morgan Stanley says this is one of the largest and fastest-growing specialist distributors of cybersecurity products globally. The nature of threats is constantly changing, and so the products offered by the vendors – and the vendors themselves – are constantly changing," Morgan Stanley said.
Persons: Morgan Stanley, CompuGroup Morgan Stanley, Networks Morgan Stanley, — CNBC's Michael Bloom Organizations: Solutions, Networks Locations: Europe, U.S, , Germany, France, Austria
CNN —Two years ago, I could never have predicted the hype which surrounds tonight’s NCAA women’s basketball Final Four. Women’s college basketball is not just on the map for casual fans, it’s a star on the map – thanks at least, in large part, to Iowa star Caitlin Clark. Women’s college basketball is beating America’s pastime. More people have been searching women’s college basketball than for US President Joe Biden. Check the prices for the men’s and women’s college basketball Final Four.
Persons: didn’t, Muffet McGraw, it’s, Caitlin Clark, Let’s, Angel Reese’s, Clark, Reese, Andy Lyons, Dee Vanderhoef, Rebecca Gratz, Joe Biden Organizations: CNN, NCAA, Angel Reese’s LSU, ESPN, Iowa, LSU, Stanley, ABC, Iowa Hawkeyes, Holy Cross Crusaders, UConn, USC, Google Locations: Iowa
New York CNN —If you haven’t sent in your 2023 income tax return yet, you have until April 15 to do so. But keep in mind, that extension only gives you more time to file your federal income tax return. The IRS has already received more than 80 million income tax returns for 2023, according to its most recent figures released Friday. Besides a refund, the IRS further notes low- and moderate-income earners also may be eligible to receive the Earned Income Tax Credit. And if you do file and are owed a refund, it may be withheld if you have yet to file your 2021 or 2022 returns.
Persons: haven’t, you’re, David Hubber, ” Hubber Organizations: New, New York CNN, Taxpayers, Patriots, Washington , D.C, IRS, “ Taxpayers, Department, DOJ, DOJ’s Locations: New York, Maine and Massachusetts, Washington ,, Idaho, Pennsylvania
It's important to choose your words carefully and use assertive language, say authors and communication experts Kathy and Ross Petras. "The key is to be assertive without being overly aggressive," the Petrases wrote for CNBC Make It last year. No, if you have something important to say, then say it." If you're nervous or insecure during a meeting or conversation, changing a few words won't change the way you feel. 'I don't know'"I don't know" is a common filler phrase, or crutch word, to fill space until people can complete their thoughts.
Persons: Kathy, Ross Petras, Danny Rubin, , Rubin, Simon Taylor, Eric Yaverbaum, Yaverbaum Organizations: CNBC, Ericho Communications
President Joe Biden speaks at the United Auto Workers political convention at the Marriott Marquis in Washington, D.C., Jan. 24, 2024. The new Environmental Protection Agency rules released Wednesday aim to cut tailpipe emissions by 49% between model years 2027 and 2032. The EPA set a target for EVs to make up at least 35% of new vehicle sales by 2032. The EPA's new strategy for cutting tailpipe emissions doesn't focus only on EVs. The EPA's percentage targets for EV adoption are not mandates but expectations for how automakers could meet the emissions regulations.
Persons: Joe Biden, Saul Loeb, Biden, Emmanuel Rosner, Mary Barra, Ngan, John Bozzella, Stocks, Tesla, weren't, Chelsea Hodgkins, Martin Viecha, Chris Kapsch, Morgan Stanley, Adam Jonas Organizations: United Auto Workers, Marriott Marquis, Washington , D.C, AFP, Getty, DETROIT, Environmental Protection Agency, EPA, EV, Detroit Automotive, Wall Street, Detroit, General Motors, Ford Motor, Chrysler, capex, Deutsche Bank, Chevrolet Silverado, Huntington Place Convention, Afp, Alliance for Automotive Innovation, United Auto Workers union, UAW, Toyota, Public Citizen, Sierra Club, Democratic, GM, Ford Locations: Washington ,, Detroit , Michigan, U.S, Detroit, Michigan
Still, we're here to guide our children in a compassionate way through difficult moments at all stages of development. As child psychologists, we've developed an acronym that can assist us all through this process, regardless of our child's age: H.E.L.P. Whatever their action, before you react, it's smart to stop and ask yourself: Where is their behavior coming from? An underdeveloped thinking brain, an overactive emotional brain, and a lack of perspective leads to chaos and poor decision-making. Or is my reaction a reasonable response to my child's behavior, like if my child yelled "I hate you," and my feelings are hurt?
Persons: we've, Lean
The "US industrial renaissance" will be the top investment theme of the coming decade, Richard Bernstein Advisors said. The trend of American companies shifting away from dependence on foreign labor and supply chains should dominate investment strategies in the coming decades the firm said. "The market is already rewarding the beneficiaries of this capital reallocation, but we expect years, if not decades, of further performance from this critical investment theme," RBA president Richard Bernstein said in a note this week. For the US, that means big investment in infrastructure on manufacturing will be needed in the coming years as the world reorients. "The market has already recognized the re-industrialization investment theme despite investors' myopia with respect to more exciting technology-related themes, like artificial intelligence.
Persons: Richard Bernstein, Overreliance, Bernstein, Organizations: Richard Bernstein Advisors, Service, Republicans Locations: America
However, that won’t happen if you just let it sit in a traditional checking or savings account that yields next to nothing. High-yield online savings accountsThe average annual percentage yield on bank savings accounts was just 0.52% as of March 13, according to Bankrate. As with any bank savings rate, high-yield savings account rates can change overnight, and the bank may not alert you when it lowers it. But don’t confuse money market accounts with money market mutual funds, which invest in short-term, low-risk debt instruments. Unlike money market deposit accounts, money market mutual funds are not insured by the FDIC.
Persons: , Ted Rossman, ” Rossman, Ken Tumin, Schwab, you’d, Tumin, Doug Ornstein, Andy Smith, Ornstein, doesn’t, ” Smith Organizations: New York CNN, Bankrate, JPMorgan Chase, Bank of America, Fidelity, TIAA Wealth Management, FDIC, Securities Investor Protection Corp, Edelman, AAA Locations: New York, Wells Fargo, United States
Morgan Stanley reiterates Starbucks as overweight Morgan Stanley said it's standing by its overweight rating on Starbucks shares. Morgan Stanley upgrades Pepsi to overweight from equal weight Morgan Stanley said the beverage giant is undervalued. Morgan Stanley initiates Ball Corporation as equal weight Morgan Stanley initiated the beverage can company and says the stock is fairly valued right now. Morgan Stanley names LifeStance a top pick Morgan Stanley named the mental health company a top pick on Monday. Morgan Stanley reiterates Micron as underweight Morgan Stanley raised its price target on the stock to $78 per share from $74.75 and said it's sticking with its underweight rating heading into earnings later this week.
Persons: KeyBanc, Morgan Stanley, it's, Telsey, ESAB, Mizuho, Goldman Sachs, Tesla, Raymond James downgrades, Raymond James, LifeStance, Wolfe, Bernstein, Truist, Wells, Wells Fargo, F2Q Organizations: Apple, JPMorgan, 1Q, Meta, HSBC, Nvidia, Netflix, RBC, Howmet Aerospace, York Community Bank, Pepsi, Ball, Citi, Micron, IT, Downside, Bank of America, Taiwan Semiconductor, Pinnacle, of America, Pinnacle West Capital Corp, ISI, UBS, CCL Locations: Berlin, underperform, Taiwan, Arizona, Underperform
RAND focused on various ways that terrorists inside the US could wreak havoc with drone swarms. Current technology allows unmanned aircraft to be employed in what RAND terms "surrogate swarm technology," in which formations are only loosely coordinated. James Newsome/US ArmyNations such as America and China are busy developing military drone swarms. Such technology is becoming available to the public: the FAA has already allowed limited use of drone swarms to spray crops. Thus the question isn't if intelligent drone swarms become a domestic security threat, but when.
Persons: , What's, Alfred Hitchcock's, James Newsome, Daniel Gerstein, Gerstein, isn't, Michael Peck Organizations: Service, RAND Corp, Business, RAND's Homeland, Analysis, Department of Homeland Security, RAND, Kremlin, 11th Armored Cavalry Regiment, Threat Systems Management Office, US Army Nations, FAA, Defense, Foreign Policy, Rutgers Univ, Twitter, LinkedIn Locations: Afghanistan, Ukraine, Russia, America, China, North Carolina, Forbes
New York CNN —The average federal tax refund is more than $3,000, according to the latest data from the IRS. … They don’t understand how much interest they’re paying,” Russ said. Create or add to an emergency fundYou can use your refund to start or bolster an emergency fund. If you have high-rate debt and you’re lacking emergency savings, Russ suggested you might use a portion of your refund to attack your debt and the other portion to create an emergency fund. If you need the money within three years, you might consider putting your refund in certificates of deposits and US Treasury bonds.
Persons: you’re, , Eric Bronnenkant, Keyana Russ, ” Russ, Russ, Bronnenkant, Roth,  Bronnenkant, Charles Schwab, ” Bronnenkant Organizations: New, New York CNN, Ponds Financial, Invest, Roth IRA, Treasury Locations: New York, Ponds
Inexpensive ways to access emergency funds
  + stars: | 2024-03-11 | by ( Jeanne Sahadi | ) edition.cnn.com   time to read: +7 min
And while surveys indicate that there are plenty of people in just such a situation, there are some inexpensive and safe ways to access emergency funds. putting it on a credit card but paying that bill in full when it comes due). An earlier survey by Bankrate, meanwhile, found that two-thirds of US adults worried they don’t have enough emergency savings to cover them if they lost their primary source of income. Her bills were piling up and she had already accrued high credit card balances from her years in school. To make the next emergency expense less stressful and costly, you can build emergency savings with small amounts consistently over time.
Persons: Bankrate.com, Bankrate, Noah Damsky, , Marcel Miu, ” Miu, Daisy Martini, she’d, Rodney Williams, Martini, , Damsky, Linda Grizely Organizations: New, New York CNN, Federal Reserve, Marina Wealth Advisors, New York City’s Department of Education, Financial Locations: New York, New
An NBER working paper found that older siblings tend to make more money than their younger siblings. AdvertisementFor years, researchers have found that the eldest child tends to earn more money and perform better on cognitive tests than their younger siblings. AdvertisementOther reasons first-born siblings might have an advantageDayal told BI that studies across various countries and contexts have corroborated the idea that older siblings tend to have more education and economic success than their younger siblings. "Interestingly, these benefits start to emerge around age 12, when older siblings have more to teach and younger siblings are more ready to learn." AdvertisementGrant cited a study of 240,000 Norwegian teenagers that found younger siblings who had firstborn siblings die in infancy went on to have higher intelligence scores than laterborns with firstborn siblings.
Persons: , Meltem, Daysal, Younger, Dayal, Sandra Black, Columbia University who's, Adam Grant's, Grant Organizations: Service, National Bureau of Economic Research, of Economics, University of Copenhagen, Columbia University Locations: Denmark
“Should exposure to microplastics and nanoplastics be considered a cardiovascular risk factor? Nanoplastics have been found in human blood, lung and liver tissues, urine and feces, mother’s milk, and the placenta. The examination found “visible, jagged-edged foreign particles” scattered in the plaque and external debris from the surgery, the study said. Presence of microplastics and nanoplastics, and subsequent inflammation, may act to increase one’s susceptibility to these chronic diseases,” Stapleton said in an email. However, calling the study results “a direct link to cardiovascular disease is a stretch for the findings,” she added.
Persons: , Raffaele Marfella, Marfella, University of Campania Luigi Vanvitelli, Philip Landrigan, ” Landrigan, nanoplastics, Landrigan, Mary Conlon, , that’s, Andrew Freeman, Phoebe Stapleton, Rutgers University’s Ernest Mario, , ” Stapleton, Leonardo Trasande, don’t, Trasande Organizations: CNN, New England, of Medicine, University of Campania, Boston College, Program, Global Public Health, Global, Planetary Health, International, Water Association, Surgeons, Jewish Health, Rutgers, Rutgers University’s Ernest Mario School of Pharmacy, Getty, American Academy of Pediatrics, NYU Langone Health, Natural Resources Defense Council, Invest Locations: Naples, Italy, Denver, Piscataway , New Jersey
Sleep is an important lifestyle factor in reducing risk for type 2 diabetes, a new study has found. In terms of risk for type 2 diabetes, there wasn’t a significant difference between those with normal sleep and those who slept six hours. And even for those who ate the healthiest, their diet didn’t offset the effects of insufficient sleep on diabetes risk. The findings are also based on participants’ recollections of their food and sleep habits, according to the study. Confirming a causal relationship “would require randomized trials intervening on sleeping habits to increase sleep time and see if this reduces risk of diabetes in those at risk, e.g.
Persons: CNN —, Dr, Diana Nôga, ” Nôga, , Leana Wen, Wen wasn’t, ” Wen, Naveed Sattar, ” Sattar, Wen Organizations: CNN, JAMA, biosciences, Uppsala University, Lighthouse Films, George Washington University Milken Institute School of Public Health, University of Glasgow Locations: Sweden, United Kingdom, Scotland,
Colorectal cancer rates in younger people have been rising for the past two decades. Cancer dietitian Meredy Birdi shared three breakfast recipes to eat to prevent colorectal cancer. AdvertisementCases of colorectal cancer are rising in younger people, but eating a healthy diet could help lower the risk. Colorectal cancer is now the leading cause of cancer death for men under 50 and the second deadliest cancer for women in the same age group. AdvertisementEqually, a diet high in processed meats, red meat, and ultra-processed foods has been linked to a higher risk of colorectal cancer, Birdi said.
Persons: Birdi, , we've, Berry, chia Organizations: Service, American Cancer Society, Cancer Research Fund Locations: London
“The Supreme Court had the opportunity in this case to exonerate Trump, and they chose not to do so. Using the 14th Amendment to derail Trump’s candidacy has always been seen as a legal longshot, but gained significant momentum with a win in Colorado’s top court in December, on its way to the US Supreme Court. But in Colorado, a series of decisions by state courts led to a case that Trump ultimately appealed to the US Supreme Court in January. The Colorado Supreme Court, on a sharply divided 4-3 vote, affirmed the findings about Trump’s role in the US Capitol attack but said that the ban did, in fact, apply to presidents. Trump is appealing, and a state court paused those proceedings while the Supreme Court dealt with the Colorado case.
Persons: Donald Trump, Joe Biden, Trump, John Roberts, Clarence Thomas, Samuel Alito, Neil Gorsuch, Brett Kavanaugh –, , ” Trump, Sonia Sotomayor, Elena Kagan, Ketanji Brown Jackson, Amy Coney Barrett, Steve Vladeck, Sotomayor, Kagan, Barrett, Jackson, ” SCOTUS, Trump’s, State Jena Griswold, ” Griswold, , Norma Anderson, Trump “, Roberts, Kavanaugh, lobbed, Jonathan Mitchell, Barack Obama, ” Kagan, Jason Murray, CNN’s Marshall Cohen, Devan Cole Organizations: CNN, GOP, Trump, University of Texas School of Law, US Capitol, Republican, Colorado, State, U.S, Democrats, Citizens, Colorado Supreme, Biden Locations: Colorado, Washington, U.S ., “ Colorado, Colorado’s, Maine and Illinois, Minnesota , Michigan , Massachusetts, Oregon, Maine, An Illinois, United States
Amazon labelled Apple's FineWoven iPhone 15 case as a "Frequently returned item." AdvertisementApple's FineWoven iPhone 15 cases have been dragged on the internet for their seemingly questionable quality— and some customers want a refund. As of March 1st, Amazon has labeled Apple's FineWoven Case as a "Frequently returned item." Amazon flagged Apple's Finewoven iPhone case as a "Frequently returned item" as of March 1st. Some say the 'Finewoven' iPhone case fell apart after months of use.
Persons: , Jordan Hart, pic.twitter.com, WnyFN2HhPk — Stuart Shelton, I've, Joanna Stern Organizations: Service, Amazon, Apple, CDC Locations: @srcshelton
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