Back in 2020, I bought a 5-year deferred fixed annuity, also known as a Multi-Year Guaranteed Annuity (MYGA). A MYGA, in essence, is like a CD issued by an insurance company. The insurance company guarantees a fixed rate for a fixed period. I spoke about MYGAs in my April 2021 presentation, Fixed Income Alternatives in a Low-Yield Environment. ...
By Lewis Nibbelin, Research Writer, Triple-I ...
What Cisco envisioned in July 2023 when we first outlined our next-generation sustainability strategy, The Plan for Possible, has been steadily taking shape, especially its connection to business outcomes. ...
The cold and fog I mentioned last week has continued but I have been getting in some good riding anyway. Also, last week Costco had a good sale on GoPro Hero 13 cameras so my wife bought me one as a Christmas present, and I’ve tried it out on a couple of rides. I like it because it has voice activation so is hands free. I’ve tried both photos and videos. Photos are great and you can also extract good stills from video frames. But I have to raise my camera mount because it catches my phone and handlebars in the shot. Easy to edit that out for stills but not videos. Also I need to get good at video editing so I can extract short clips. So in this post I’ll just show some still photos. ...
As investors look ahead to 2026, one question continues to surface: how does one balance the need for long-term growth with the desire for stability? Equity markets offer growth potential but come with periods of sharp volatility. Traditional debt investments provide comfort and predictability, but often struggle to deliver inflation-beating returns over time. This is where hybrid mutual funds come into focus. By combining equity and debt within a single portfolio, they aim to strike a balance between risk and return. For investors who do not want to take extreme positions at either end of the risk spectrum, the best hybrid mutual funds can offer a practical and disciplined investment solution. ...
Across the US, ambitious brokers and agencies are running into the same wall: rapid growth, complex carrier relationships, and tighter margins are overwhelming legacy reconciliation tools and spreadsheet‑driven processes. Finance teams are buried in carrier statements, producers are frustrated by delayed or inaccurate commissions, and leadership is staring at growing buckets of unapplied cash at month‑end. In a competitive market where every basis point of margin and every day of float matters, fixing direct bill and commission reconciliation is no longer back‑office housekeeping – it is a front‑line driver of profitability and growth. ...
Dr. Elyse Stevens, left, attends a community breakfast at a New Orleans nonprofit, with her former patient Ronald Major who says Stevens treated him like family. Aneri Pattani/KFF Health News hide caption ...
I also used AI to synthesize insights from user reviews and G2 Grid® Reports, comparing ease of use, coaching depth, analytics quality, integration strength, and overall customer satisfaction. This guide includes screenshots from vendor G2 pages, allowing you to see how these platforms look in action and how representatives actually interact with them. ...
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Explains NPS MSF Framework, eligibility, migration rules, fund selection, risks, and whether long-term investors should choose 100% equity under NPS. ...
Most sales teams think they’re giving buyers everything they need: the right decks, demos, and follow-ups. But in reality, buyers are overwhelmed, not engaged. Scattered emails, long threads, and disconnected assets make the buying process confusing and slow. ...
Seasonality shapes nearly every profession and health coaching is no exception. Farmers plan their entire year around growing seasons. Accountants feel the intensity of tax season. Retailers depend on the holiday rush. ...
Rain often creates challenging driving conditions, especially when water accumulates on the road. One of the most common problems drivers face in the rain is hydroplaning. Hydroplaning happens when your tires lose contact with the road due to a layer of water, making it difficult to steer or stop. Learn how to avoid hydroplaning and regain control if it happens to you. ...
Sharing a recap of the books I’ve read lately and if they’re worth adding to your collection. ...
Every winter, I see tons of Facebook ads for bitcoin miners that can double as space heaters. ...
In today’s fast-paced and ever-changing business environment, insurance for businesses is not just a safeguard but a catalyst for growth and resilience. As a business owner, understanding and leveraging the right insurance strategies can be a game-changer. It equips your enterprise with the ability to navigate risks, seize opportunities and foster long-term sustainability. This article explores how insurance for businesses serves as a cornerstone in corporate risk management and why it is indispensable for fostering growth and resilience. ...
Growing up in Texas, I have a special place in my heart for Tex-Mex recipes. Simple dishes like these Tex-Mex lettuce wraps and southwest shepherd’s pie make a regular appearance on our family menu. It’s a delicious twist on the classic shepherd’s pie recipe. ...
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Customized interactions are customized experiences that cater to individual customer preferences and needs. In a market where over 70% of consumers expect personalization, it’s crucial for brands to connect meaningfully with their audience. These interactions can markedly increase revenue and customer loyalty. Comprehending how businesses implement personalized strategies can provide valuable insights, making it important to explore their impact across various industries. What methods are companies using to forge these connections? ...