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Why I’m happy to pay $70 a month for term life insurance

October 10, 2020

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.

After meeting with a financial planner, my husband and I set out to pay off our credit card debt. We did it in six months, and during that time I started earning more money than ever.
Our financial planner recommended that I buy a term life insurance policy since I was only protected for $20,000 on my husband’s employer-provided policy.
He recommended $1.4 million in coverage for me, which felt high. But after accounting for our standard of living and future financial goals, I went for it.
Now, I feel good about paying $70 a month for that peace of mind.
Policygenius can help you compare life insurance policies to

Red-Hot JinkoSolar Stock Is a ‘Sell’ in the Short Term

October 9, 2020

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Shares of JinkoSolar (NYSE:JKS) have certainly been on a moonshot lately. The Chinese solar manufacturer has risen more than 200% in the past month, coinciding with a breakout in the solar space. Some of the parabolic move higher was certainly warranted given the falling costs and rising demand. However, the rally has now come too far, too fast. It is time for a red-hot JKS stock to cool off.

a green sign with white text: The JinkoSolar (JKS) logo displayed on a plain white wall.

© Provided by InvestorPlace
The JinkoSolar (JKS) logo displayed on a plain white wall.

InvestorPlace Markets Analyst Luke Lango recently took a deep dive into why solar stocks, especially Chinese solar stocks, are poised for continued upside. He noted how the landscape has dramatically changed for JKS. Actual sales are now driving profits, instead of subsidies. This is undoubtedly a more enduring business model

UMB Financial: A Compressed Valuation Should Grind Higher Over The Medium Term (NASDAQ:UMBF)

October 9, 2020

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Investment Thesis

Headquartered in Kansas City, Missouri, UMB Financial Corporation (UMBF) is the $29.7 billion asset holding company for UMB Bank. Formally known as United Missouri Bank, UMBF is a commercial-oriented Midwestern bank. While its runs a fairly branch-lite model, UMBF has 95 branches located throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona and Texas.

UMB Financial, along with its sibling bank, Commerce Bancshares (OTC:CBSH), both have a storied century-long history of being run by the Kemper family. With that being said, I have a lot of faith in Mariner Kemper, the current CEO, and his ability to lead the franchise. He has led the bank for more than 15 years and helped grow assets from $8.2 billion to where they are today.

Today, my bullish stance is predicated on a couple of factors. I think the valuation is too low for such a well-run franchise; however, valuation alone does

2 Top Marijuana Stocks to Buy for the Long Term

October 3, 2020

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Even before the legalization of marijuana in Canada in 2018, cannabis companies were busy investing billions of dollars in facilities to meet implausible demand projections, as well as acquiring their competitors at inflated prices. Looking back, the entire series of events placed the foundation for a catastrophe in the sector. Indeed, the Horizons Marijuana Life Sciences ETFÂ (TSX: HMMJ), an index that tracks the performance of sector constituents, is now down nearly 80% from all-time highs.Â

Now that the bubble has burst, investors have opportunities to do the previously unthinkable — buy top marijuana stocks at a great value. Today, let us look at two companies in this category and how they can reignite their momentum for long-term growth.Â

Image source: Getty Images.

1. HEXO

HEXO (NYSE: HEXO) is a weed producer that grossly miscalculated the demand for marijuana but quickly improvised to overcome its headwinds. The company

Mind The Uncertainty In The Short Term, But Do Not Forget About Inflation

October 1, 2020

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Introduction

One of the most important variables that investors have been carefully watching and trying to predict in the past few months is inflation. The massive rise money supply to avoid economies from plunging into a deflationary depression has led market participants perplex about the potential consequences in the medium to long term. We have seen that uncertainty over inflation expectations have already started to surge significantly since March as more and more investors are convinced that inflation will eventually surprise the market and start to rise unexpectedly.

Inflation is an important variable for asset allocation as some risk off assets may start to perform very poorly if we see a surge in prices. Figure 1 shows three different measures of US inflation in the past 25 years: CPI, core CPI and core PCE (CPI is more volatile as it includes more volatile items such as food or energy). Even

Developing Your Money Life And Long Term Finances Through The Fallen Angels

May 4, 2020

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If your financial situation feels good but not great, you might feel like things are falling out of control – and it doesn’t have to be that way.

Even when we have good momentum with our money it can feel like things aren’t going well sometimes – and we have to recognize that feeling as just our emotions playing tricks on us.

It’s not that we don’t have a good grasp of what’s going on with our money – we just don’t feel like things are going well in general, and that can lead to horrifically unwise decisions later when we act on our emotions rather than the facts of the situation – which could be that we’re perfectly fine but don’t see it.

That is why we need some very strong spirit guidance so that we don’t get off track – it won’t be so difficult to welcome in … Read More

Are You a Good Candidate for Long Term Care Insurance?

May 4, 2020

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Approximately 70% of older adults will need some type of long-term care at some point. This type of care could include a nursing home or various degrees of in-home care, whether that includes skilled nursing care, help with activities of daily living, or some combination of services.

The problem is that these services are very expensive-and the costs are not covered by Medicare, outside of a 100-day period where skilled nursing care is covered for those who qualify and which does not cover non-medical care.

Medicaid does cover some costs of long-term care, but the income requirements to qualify for Medicaid assistance are very strict. It is not uncommon for older adults to spend everything they have on their care in order to qualify, so that by the time they do, they are near destitution.

This can be prevented with an LTC insurance policy. But these policies come with challenges … Read More

Bridge Loans: A Good Option to Raise Money for a Short Term Period

May 3, 2020

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Everyone faces a shortage of money in their life. It doesn’t matter if someone is in business or any other profession, the need for urgent money can arrive anytime. In business, especially, the need for money can come anytime and the urgency to collect or call some fixed amount makes the businessmen choose for Bridge loans.

Bridge loans are short-term loans given for urgent needs to a businessman or any other person who is in need of money. It is given for a period like from three weeks to three years but this period differs from place to place. Bridge loans are also known by the name of swing loans or gap financing. The name itself tells that it is given to ‘fill the gap of money requirement. It is generally backed up by the collateral and the rate of interest charged on the loan amount will be higher in … Read More

Solve Your Funding Needs With Short Term Finance Solutions

May 1, 2020

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Everyone who owns a company knows how difficult it can be to find yourself in a problematic situation when you need some financing, but just cannot find it anywhere. Whether you have some last minute debts that you need to cover or you do not have enough capital to pay the salaries of your employees, in business there are many situations when you need to access a short term loan in order to cover some urgent financial matters. Short term loans can have a deadline ranging from one week to one year, so depending on your company’s needs, you should be able to find proper financing. The benefits of accessing short term finance are that the interests can be much lower and you will be able to complete your financial tasks sooner.

There are many specialized institutions that offer mortgage finance and loans, so any business owner should call and … Read More

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