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5 Tips When Buying Life Insurance for the First Time

September 28, 2020

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ERIE, Pa., Sept. 21, 2020 /PRNewswire via COMTEX/ —
ERIE, Pa., Sept. 21, 2020 /PRNewswire/ — Major life changes like getting married, starting a family or buying a house are often when people start thinking about buying life insurance. It can be a process that may sound intimidating or confusing – but it’s also very important.

During this Life Insurance Awareness Month, Erie Insurance shares five points to discuss with your agent when buying life insurance for the first time.

Understand who (or what) you are protecting. While anyone experiencing a significant life event like getting married or starting a family often recognizes the need for life insurance, others may not realize they could benefit from it as well. For instance, stay-at-home parents and student loan cosigners could have a definite need for life insurance.
Only buy

South Korea’s September Exports Seen Growing for First Time in Seven Months: Reuters Poll | Investing News

September 28, 2020

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By Joori Roh and Jihoon Lee

SEOUL (Reuters) – South Korea’s exports likely grew for the first time in seven months in September due to more working days than a year earlier and heavy shipments of microchips as China’s Huawei Technologies stockpiled ahead of U.S. sanctions, a Reuters poll showed.

Going forward, economists surveyed by Reuters expected South Korea’s exports to suffer as major overseas markets have been hit by second waves of coronavirus, which will keep global demand subdued.

September shipments were seen rising 2.0% from a year earlier, according to a median estimate of 18 economists, the first growth since February and rebounding sharply from a 10.1% plunge in August.

“Exports will likely post growth for the first time since the COVID-19 outbreak due to more working days, pre-orders ahead of Chuseok holiday and Huawei’s chip stockpiling,” said Park Sang-hyun, Hi Investment & Securities’ chief economist.

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South Korea’s September exports seen growing for first time in seven months: Reuters poll

September 28, 2020

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By Joori Roh and Jihoon Lee

SEOUL (Reuters) – South Korea’s exports likely grew for the first time in seven months in September due to more working days than a year earlier and heavy shipments of microchips as China’s Huawei Technologies stockpiled ahead of U.S. sanctions, a Reuters poll showed.

Going forward, economists surveyed by Reuters expected South Korea’s exports to suffer as major overseas markets have been hit by second waves of coronavirus, which will keep global demand subdued.

September shipments were seen rising 2.0% from a year earlier, according to a median estimate of 18 economists, the first growth since February and rebounding sharply from a 10.1% plunge in August.

“Exports will likely post growth for the first time since the COVID-19 outbreak due to more working days, pre-orders ahead of Chuseok holiday and Huawei’s chip stockpiling,” said Park Sang-hyun, Hi Investment & Securities’ chief economist.

There are

It’s time for states that grew rich from oil, gas and coal to figure out what’s next

September 27, 2020

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By Bradley Handler, Colorado School of Mines; Matt Henry, University of Wyoming, and Morgan Bazilian, Colorado School of Mines

These are very challenging times for U.S. fossil fuel-producing states, such as Wyoming, Alaska and North Dakota. The COVID-19 economic downturn has reduced energy demand, with uncertain prospects for the extent of its recovery. Meanwhile, rising concern about climate change and the declining cost of renewable energy are precipitating a sharp decline in demand for coal in particular.

As a result, fossil fuel-dependent states and communities face the prospect of budget shortfalls and lower employment for the next several years. As researchers who study energy from economic, cultural and public policy perspectives, we believe that it is time for these states to develop long-term plans to diversify their economies and help ensure just and equitable transitions.

The idea of a just transition emerged from North American labor law, and

Time Management Tips For Small Business Owners

May 4, 2020

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Most business owners probably already know that 20 percent of their product comprises 80 percent of their sales. Save time in the long run by discovering exactly which products or services are driving the business. Focus the majority of your energy on the important things and cut back on the time you devote on the other 80 percent.

Learn to prioritize. Just as 20 percent of your product drives your business, some of your activities are more productive than others. It is an old but good time management tip to tackle your most important projects first. Teach this strategy to your employees so that you will all find the time to complete the important projects. Once you rank your activities based on order of importance, give yourself a set amount of time to complete them. For example, give yourself a time limit to return phone calls and reply to emails, … Read More

Mortgages – The Best Time to Finance

May 4, 2020

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If you have already decided to purchase a home and you don’t have the luxury of waiting for a market change, your lending rate will in large part depend on the market. If you have time to decide when to jump into the mortgage market, then research mortgage rate forecasts for the next year. If rates are expected to increase you may want to submit an application quickly, if rates are moving down you can wait.

Of course your credit rating will be another relatively fixed variable in your quest to get the best rate, if it’s relatively low you will pay a higher rate. So if you have time before you need to borrow attempt some credit repair through one of the better known repair firms. It usually takes a few months for them to make a difference but the points they gain could save you significantly over the … Read More

Three Reasons Why Money Was The Worst Invention Of All Time

May 1, 2020

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Who invented money? Ask any number of people and they couldn’t tell you who it was that actually invented money or where the idea came from. History has given us some bad ideas, but money has to be the worst and here are my top three reasons why.

Something Invented By Man Should Not Have Power Over Him.
If I think really hard and try to imagine a time without money, before it was invented and used on a daily basis, I tend to imagine that the world was a completely different place. People most likely had a barter type society where goods and services were exchanged and that is how one survived. If I had a particular skill, say hunting, and you were hungry you could come to me for food. The idea would be that if you could make fire, and I could provide the food, then we

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