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☆ Michael Farr: These are 2023's top stock picks for what could be a rocky year
▼ + stars: | 2022-12-27 | by ( Michael K. Farr | ) www.cnbc.com time to read: +17 min

Regarding the cloud, AMZN's Web Services business is the market leader in cloud infrastructure services. Moreover, the scale of AMZN's web services business provides many cost advantages as very few companies can compete with AMZN's investment spend and first-mover advantage. Over the long term, we would expect MDLZ to generate double-digit total returns, consisting of high-single digit EPS growth and the 2.3% dividend. There is a long runway remaining for cloud growth as companies slowly deal with legacy investments that still drive value but are not cloud-based. Management remains committed to its goal of high single-digit EPS growth in 2023, followed by sustained double-digit growth in 2024 and beyond.

☆ Health insurance is helping cool inflation. But 'it's not a very good reflection' of what people pay, cautions economist
▼ + stars: | 2022-12-14 | by ( Greg Iacurci | ) www.cnbc.com time to read: +3 min

Health insurance prices fell by 4% in October and 4.3% in November, according to the consumer price index, a key measure of inflation. Health insurance costs had been rising steadily, within a band of roughly 1.5% to 3% a month since October 2021, according to CPI data. That decline in prices on paper is due to the unique way in which the BLS calculates health insurance inflation, economists said. "It's not a very good reflection of prices consumers are going to be seeing," said Andrew Hunter, senior U.S. economist at Capital Economics. Consumers who get health insurance through the workplace paid $1,327 in health premiums for single coverage in 2022 and $6,106 for family coverage, KFF said.

☆ Finding low volatility stocks that generate income for what's likely to be another tumultuous year
▼ + stars: | 2022-12-14 | by ( Michelle Fox | ) www.cnbc.com time to read: +3 min

With 2023 expected to be another rocky year for the stock market, investors may find shelter in low volatility names that produce income. JPMorgan is expecting the S & P 500 to retest this year's lows and Morgan Stanley strategist Mike Wilson believes earnings will shrink 15% to 20% next year. They also have a dividend yield greater than 2% and at least 60% of the analysts covering them rate the stocks a buy, according to FactSet. The companies are all the S & P 1500 and have at least 5 analysts covering them. Some 74% of analysts covering the stock give it a buy rating.

☆ Legislator behind Florida's 'Don't Say Gay' law is accused of Covid-relief fraud
▼ + stars: | 2022-12-07 | by ( Tim Stelloh | Tim Stelloh Is A Breaking News Reporter For Nbc News Digital. | ) www.nbcnews.com time to read: +2 min

The Florida legislator who sponsored legislation critics dubbed the “Don’t Say Gay" bill was accused of illegally obtaining tens of thousands of dollars in Covid-relief funds, authorities said Wednesday. Joseph Harding, 35, was indicted on six counts of wire fraud, money laundering, making false statements and other crimes, the U.S. attorney’s office for Northern Florida said in a release. Harding sought more than $150,000 in loans and received roughly $45,000 in January and February 2021, according to the indictment. "This bill goes way beyond the text on its page," former Rep. Carlos Guillermo Smith, a Democrat who is gay, said in February. He could face 20 years in prison for the fraud charges, 10 years for money laundering and five years for making false statement, the release says.

☆ The Caregiver's Lament: How to handle the costs of care
▼ + stars: | 2022-11-29 | by ( Chris Taylor | ) www.reuters.com time to read: +5 min

In fact, the United States has 53 million unpaid caregivers, according to a study by the National Alliance for Caregiving and the AARP. No wonder 62% of caregivers for loved ones with disabilities or special needs report being overwhelmed by financial stress, according to Fidelity. However, “programs do exist at the federal and state level to help families and caregivers,” said Dyvonne Body, author of the Aspen Institute report. “In our surveys, 46% of caregivers don’t even think to ask about benefits like that,” said Fidelity’s Stoddard. Long-term care insurance helps with issues like home healthcare and nursing homes, with policy premiums generally cheaper the earlier you secure coverage.

☆ Here's how those looking to 'age in place' can fund home health-care services
▼ + stars: | 2022-11-28 | by ( Deborah Nason | ) www.cnbc.com time to read: +4 min

Halfpoint Images | Moment | Getty ImagesSome 70% of people want to age at home, yet only 10% have long-term care insurance, a recent HCG Secure/Arctos Foundation study found. Furthermore, about half of respondents had no idea how much in-home care would cost. "Basically, I try to segment the risk into a short-term need and a long-term need, and to fund them separately," he said. "And most of them can't afford long-term care insurance." Digging into any corporate retiree benefits beyond just a pension, as there's often additional services for in-home care, he said.

My husband and I had a 10-year term life insurance policy that expired several years ago. We decided to buy a universal life insurance policy instead since we can cash it out if we need to. The problem is that life insurance premiums at 30, 40, or 50 are different. After looking at term, whole, and universal life insurance policies and what each offered, we decided not to renew our term life insurance and to buy a universal life policy instead. I know this isn't affordable for everyone, especially if you are still young enough to get inexpensive term insurance.

☆ Baupost’s Seth Klarman slashes Amazon and Alphabet stakes, picks up a car dealership stock
▼ + stars: | 2022-11-15 | by ( Yun Li | ) www.cnbc.com time to read: +1 min

Baupost's Seth Klarman cut his holdings in Amazon and Google-parent Alphabet dramatically last quarter, while picking up a few stocks in the volatile market, a new filing showed. The longtime value investor reduced his stakes in Alphabet and Amazon by nearly 60% each, according to Baupost's latest 13F filing with the Securities and Exchange Commission. Klarman also exited his position in Intel last quarter. Alphabet and Intel had been among Baupost's top 10 holdings at the end of the second quarter. Technology stocks have borne the brunt of this year's market sell-off as rising rates dented the appeal of growth-oriented names.

☆ CVS Health raises outlook as third quarter results beat estimates
▼ + stars: | 2022-11-02 | by ( Jack Stebbins | ) www.cnbc.com time to read: +3 min

CVS Health reported third quarter earnings Wednesday morning that beat Wall Street's expectations. CVS' Health Care Benefits segment grew nearly 10% compared to the same quarter last year, driven in part by an increase in its medical memberships from 2021. CVS encompasses a large swath of health care services, including its prescription and over-the-counter medicine sales, its MinuteClinic patient care services and its pharmacy benefits manager, CVS Caremark. The retailer has signaled a renewed focus on health care this quarter, announcing its purchase of Signify, an at-home health care company, for $8 billion in September. The move mirrors Amazon and Walgreens own expansions further into health care services.

☆ Staff shortages make patient surges harder for children’s hospitals – and the situation won’t get better soon
▼ + stars: | 2022-10-28 | by ( Jen Christensen | ) edition.cnn.com time to read: +8 min

“We’re extremely overwhelmed,” said Dr. Rishi Lulla, director of pediatric hematology/oncology at Hasbro Children’s Hospital in Providence, Rhode Island. Seasonal respiratory viruses fill children’s hospitals every year, but the number of beds that are full now is well above the average. Driving much of the current need for beds at children’s hospitals is a spike in cases of RSV, which are 60% higher than at 2021’s peak. Nurse turnover is up 50% across the country since 2019, according to Mark Wietecha, CEO of the Children’s Hospital Association. Get CNN Health's weekly newsletter Sign up here to get The Results Are In with Dr. Sanjay Gupta every Tuesday from the CNN Health team.

☆ Education Secretary Miguel Cardona says the department is 'moving full speed ahead' to implement student debt relief despite an appeals court temporarily blocking the plan
▼ + stars: | 2022-10-23 | by ( John L. Dorman | ) www.businessinsider.com time to read: +5 min

Miguel Cardona says student debt relief is "moving full speed" despite a temporary hold on the plan. The Eighth Circuit Court of Appeals on Friday issued an administrative stay for the relief plan. "Already, 22 million people have provided the department with the necessary information we need to review their eligibility for student debt relief." In framing the debt relief plan as one that would benefit working and middle-class families, Cardona criticized efforts by several Republican attorneys general to invalidate Biden's student-loan forgiveness plan. The Biden administration also faces legal challenges from Arizona GOP Attorney General Mark Brnovich, the Job Creators Network Foundation, and the Cato Institute over its debt relief plan.

But the Inflation Reduction Act, which represents about a third of the spending, was passed by Democrats alone. The White House is still pushing a more expansive child tax credit that was not included in the Inflation Reduction Act. Here’s a detailed look at what Mr. Biden wanted and what he got:Climate and Environment Proposed $722 billion Passed $509 billionOn climate, the Biden administration got much of what it wanted. Health Care Proposed $563 billion Passed $412 billionOn health care, there were some victories for the president — and much trimming. The family programs were eliminated largely because of concerns from Mr. Manchin about the overall size of what became the Inflation Reduction Act.

☆ The Biden administration wants to make it easier for gig workers to be full-time so Uber drivers and home health workers could qualify for benefits and better pay
▼ + stars: | 2022-10-11 | by ( Jason Lalljee | Juliana Kaplan | ) www.businessinsider.com time to read: +4 min

The Labor Department announced a proposal making it easier for gig workers to be classified as employees. That proposal comes after years of pushback from gig work companies like Uber and Lyft. It's no secret that gig work has been spreading, as the rise of on-demand apps necessitated the rise of on-demand workers. Part of the expansion of unemployment benefits, which also included an additional $600 and then $300 a week, made gig workers eligible for benefits for the first time. The Labor Department announcement comes after years of organizing from labor activists pushing for gig workers to be classified as full employees.

☆ Democrats need to focus on the economy and expose Republican 'anti-worker views' to win the midterms, Bernie Sanders says
▼ + stars: | 2022-10-10 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +4 min

With midterms looming, Bernie Sanders has a message for the Democrats: Focus on the economy. In a new opinion piece, Sanders said Democrats should "expose the Republicans for the phonies that they are." He said it's time for Democrats to confront Republicans about them — "and expose their anti-worker views on the most important issues facing ordinary Americans." As Insider's Walt Hickey reported, Biden saw a huge upswing in polling in late August as those economic policies were announced. Sen. Kyrsten Sinema memorably voted down the $15 minimum wage, and has continually spiked tax hikes on the wealthy.

Further support came Monday, when closely followed Apple analyst Ming-Chi Kuo reported the company asked manufacturing giant Foxconn to "switch production lines of the iPhone 14 to iPhone 14 Pro models." "Aggregate, Pro mix increased from an average of 41% to 56%, reflecting the benefit from Apple's efforts to concentrate upgrades in the Pro Models. The result is the average selling price of the iPhone 14 is probably around $940, the analysts concluded, compared with around $852 last year. As the strength of Pro models becomes an established view, the question shifts to what's happening with demand for the base iPhone models. THE ABOVE INVESTING CLUB INFORMATION IS SUBJECT TO OUR TERMS AND CONDITIONS AND PRIVACY POLICY , TOGETHER WITH OUR DISCLAIMER .

☆ Our measured approach to Humana positioned us well for Thursday's bounce and for whatever comes next
▼ + stars: | 2022-09-15 | by ( Paulina Likos | ) www.cnbc.com time to read: +6 min

Humana increased its adjusted earnings per share guidance for full-year 2022 to about $25, up 25 cents from its previous estimate. We knew there was a possibility that Humana would raise its target, which could cause the stock to rally. This can help boost Medicare Advantage revenue and ultimately help Humana get on the path of $37 per share. We are confident that the Medicare Advantage business will continue to grow. While it's business largely comes from Medicare Advantage plans sold to retail customers, we should point out that Humana's services expand the addressable health care market.

☆ 20 high-paying, growing jobs that only need a high school diploma
▼ + stars: | 2022-09-15 | by ( Madison Hoff | ) www.businessinsider.com time to read: +1 min

Because we were interested in jobs that pay at least the median annual wage, we excluded jobs that paid less than $45,760 a year, the median wage for all occupations in 2021 per data from the Bureau of Labor Statistics. But this occupation pays $29,430, $16,330 less than the median wage in 2021. After putting together our overall list of high-paying, growing jobs, we filtered our list so only occupations that typically need a high school diploma or equivalent for entry were left. We ranked those based on their geometric mean, where a higher geometric means a higher spot on the list. In addition to median annual wages and projected change in employment, we included above on-the-job training for each occupation.

☆ See the presentations that hot healthcare startups used to raise millions from top VCs
▼ + stars: | 2022-09-08 | by ( Lydia Ramsey Pflanzer | ) www.businessinsider.com time to read: +8 min

Here are the presentations obtained by Insider that healthcare startups have used to raise millions. Even so, healthcare startups raised $15.8 billion in the first half of the year, according to Silicon Valley Bank. Insider rounded up all the presentations we've published that healthcare startups have used to raise cash from investors. For instance, check out the 13-slide presentation heart-health startup Miga Health used to raise $12 million in seed funding. Brightside used this presentation to break through a crowded field of mental health startups and convince VCs to invest $24 million.

☆ The technology, devices, and benefits of remote patient monitoring in the healthcare industry
▼ + stars: | 2022-01-15 | by ( Shelagh Dolan | ) www.businessinsider.com time to read: +5 min

One of the tools US health systems and hospitals are turning to for improved outcomes and reduced costs is remote patient monitoring (RPM) technology. Insider IntelligenceOne of the tools US health systems and hospitals are turning to improved outcomes and reduced costs is remote patient monitoring (RPM) technology. What is remote patient monitoring (RPM)? Remote patient monitoring (RPM) is a healthcare delivery method that uses technology to monitor patient health outside of a traditional clinical setting. What are remote patient monitoring devices?

GoBankingRates' new data shows that many cities in Arizona, California, and Florida are getting too expensive for retirees due to high costs of homes, living expenses, and senior care. New data from GoBankingRates shows just how expensive some cities in these states are getting for retirees living on a fixed income. The rankings show that many of the cities that are becoming the most out of reach for seniors are smaller cities and towns in Florida, California, and Arizona. The top three cities that are becoming the most unaffordable for retirees are Ranchos Palos Verdes, California; Walnut Creek, California; and Lincoln, California. Here are the top 21 cities where rising expenses will require a larger retirement fund:

Persons: Palos, GoBankingRates Organizations: Service, Bureau of Labor Statistics Locations: Arizona , California, Florida, California, Palos Verdes, Walnut, Lincoln , California, Englewood , Florida, Sarasota , Florida, Palm Springs , California, Wall, Silicon, Florida , California, Arizona, Palos Verdes , California, Walnut Creek , California

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