Pet owners should get quotes from a few different providers to compare prices, coverage options and terms. This includes deductibles, copays and payout limits. ASPCA Pet Insurance is thorough and flexible, offering unlimited annual benefits, low deductibles and high reimbursement rates. Unlike some competitors, it covers hereditary and congenital conditions, dental illness and behavioral modification. ASCPA Americans are familiar with the ASPCA for its work preventing cruelty to animals, but the company also offers pet insurance. Their Complete Coverage plan is one of the most comprehensive options available, and it comes with a wellness add-on. Premiums can be customized to…
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Natural Gas Futures are standardized contracts with expiration dates that trade on an exchange like the New York Mercantile Exchange or the Intercontinental Exchange. One contract is equal to 10,000 million British thermal units (Btu). North American natural gas is one of the most volatile commodities in the world. Its volatility stems from a unique demand-supply balance: demand is highly inelastic, especially during winter, while supply remains relatively fixed. Margin Requirements Natural gas is a major energy commodity used by millions of people around the world for heating, cooking and generating electricity. It also plays an increasing role in industrial…
Getting your first driver’s license is a huge accomplishment, and offers freedom you may not have had before. But new drivers can expect to pay more for car insurance until they build up a driving record. As the Zebra explains, insurance companies consider new drivers as high-risk because they lack driving history to review. This can be expensive, but there are ways to reduce costs. Discounts Many new drivers are surprised to find out that they don’t qualify for the discounts that older and more experienced drivers get. While this is to be expected, it’s important for new drivers to…
Getting the best mortgage rate for your homebuying budget requires careful consideration of several factors, including your credit score, debt-to-income ratio, down payment size and loan program. It also helps to compare rates from multiple lenders. Mortgage interest rates shifted slightly this week. Use our mortgage calculators to see what rates you might qualify for, based on your credit score, down payment and loan term preferences. 1. 30-Year Fixed Rate Mortgage Mortgage rates slipped this week, giving a boost to potential homebuyers. The 30-year fixed rate fell to 6.39%, according to mortgage buyer Freddie Mac. That’s a decrease of 0.04…
The Dow Jones is one of the most well-known stock market indexes. It tracks 30 major publicly-traded companies on the New York Stock Exchange. It has a long history and track record, is price-weighted, and is widely accepted. This makes it a reliable indicator of US stocks. However, it can be misleading when analyzing the economy. It’s a Leading Indicator The Dow Jones is the most famous stock market indicator and, for many people, it’s the only one they’ve ever heard of. The Dow is a leading indicator because it tends to rise before the economy hits a downturn. It’s…
AMC stock is swimming up toward a key technical level. A rise above this level could signal a reversal in the trend of demand versus supply. The company also has a good relative strength rating. AMC’s great weekend shouldn’t distract traders from the company’s massive debt load. Even if AMC’s revenue-per-share returns to 2019 levels, the company is still trading at an 80% discount due to immense dilution. APE-split The APE-split is a way for AMC to raise cash and reduce its debt load. It would also increase the number of shares in the company, and allow it to make…
The electric vehicle (EV) market has seen strong growth over the past few years. This is due to a number of factors, including increased awareness and demand for electric vehicles. In addition to the rising demand for EVs, there is also increased competition in the EV market. Several major automakers such as Ford, General Motors, Volkswagen and Chinese car makers BYD and SGMW are all trying to increase their share of the EV market. It’s a Growth Stock Founded in 2008, Tesla has quickly grown to become one of the world’s most successful companies. The company makes electric vehicles (EVs),…
When you purchase a copy of software, it is often sold with a paper license to enable you to install it in many computers. It is a very common and efficient way to license software for businesses that require installing multiple copies of a specific program. New York Governor Andrew Cuomo recently announced that drivers will be able to print their temporary driver license online when renewing or replacing it. This is a great way to save yourself a trip to the DMV. It is valid for driving A paper license is a great way to avoid a costly visit…
Mega-cap tech stocks dragged down the dow jones today as US stocks resumed their months-long sell-off. The decline makes it more likely that the recent 6% gain in the S&P 500 was nothing more than a bear market rally. Before investing in a technology stock, investors should take the time to fully understand its business model and biggest risks. They should also compare a company’s valuation metrics to those of its peers. Common metrics include price-to-earnings and price-to-book ratios. Apple (AAPL) Apple (AAPL), the world’s largest technology company, has a solid business that’s expected to continue growing in the coming…
Toward the end of the 18th century, Saint Nicholas made his first inroads into American popular culture. It was around this time that the tradition of children leaving gifts in their shoes or stockings hung by the fire began. The name Santa Claus emerged from the Dutch word, Sinterklaas. In 1823, Clement Clarke Moore’s poem, Twas the Night Before Christmas, helped irretrievably wed Santa Claus to Christmas. Thomas Nast’s illustrations of him soon followed. St. Nicholas Saint Nicholas was a 4th century bishop from the city of Myra (modern-day Demre, Turkey). He is most famous for his generosity. One story…