4 hours ago
If you bought a home within the last few years, you might face some mortgage rate regrets. But as everyday people have told me, life doesn't wait for the market. You needed a home at the time you bought it, not before or after when rates were different.
While rates are still relatively high, they've fallen from their peak a few years ago. And if you're looking for a lower monthly payment, it's worth checking if you're paying more than today's average mortgage rate. If you are, a refinance may be on the table.
The math can be complicated, with interest rates, closing costs and amortization schedules to consider. And you can't always count on your lender to do this math for you.
But crunching the numbers is key to making the right refi move. Here's how three homeowners decided it was worth it for them.
When Bob Bradley, a 44-year-old publicist based in Orange County, Calif., married his wife, Kristy Andre, they needed a house to fit their blended family. He sold his 2%-rate condominium to fund a down payment on their family home. The couple bought at a 6.125% rate in June 2024.
#bought #payment
While rates are still relatively high, they've fallen from their peak a few years ago. And if you're looking for a lower monthly payment, it's worth checking if you're paying more than today's average mortgage rate. If you are, a refinance may be on the table.
The math can be complicated, with interest rates, closing costs and amortization schedules to consider. And you can't always count on your lender to do this math for you.
But crunching the numbers is key to making the right refi move. Here's how three homeowners decided it was worth it for them.
When Bob Bradley, a 44-year-old publicist based in Orange County, Calif., married his wife, Kristy Andre, they needed a house to fit their blended family. He sold his 2%-rate condominium to fund a down payment on their family home. The couple bought at a 6.125% rate in June 2024.
#bought #payment
22 hours ago
Realty Income (O) has paid 670 consecutive monthly dividends at a 4.76% yield, and EPR Properties (EPR) yields 5.91% with shares up 29% this year.
All five monthly payers yield above the 4.55% 10-year Treasury, carry covered payouts, and raised their distributions within the past 12 months.
Act now: the ******* yst who called NVIDIA in 2010 just named his top 10 AI stocks — and Realty Income didn't make the cut. Grab the names FREE today.
For retirees who prefer their paychecks to arrive every 30 days instead of every 90, a small corner of the market delivers just that. With the 10-year Treasury yielding 4.55% as of mid-July, income investors are demanding a real premium from equity risk. The five monthly dividend payers below all clear that bar, and each combines a well-covered payout with a documented multi-year track record of monthly checks. This is a lineup built for cash flow that shows up like clockwork.
Realty Income wears the ticker "O" and the nickname "The Monthly Dividend Company" for a reason. Realty Income (NYSE:O) currently yields 4.76%, backed by a monthly cadence that has now stretched to 670 consecutive monthly dividends declared and 114 consecutive quarterly increases. The most recent monthly payout ticked up to $0.271, with the next payment set for August 14, 2026.
#income #realty
All five monthly payers yield above the 4.55% 10-year Treasury, carry covered payouts, and raised their distributions within the past 12 months.
Act now: the ******* yst who called NVIDIA in 2010 just named his top 10 AI stocks — and Realty Income didn't make the cut. Grab the names FREE today.
For retirees who prefer their paychecks to arrive every 30 days instead of every 90, a small corner of the market delivers just that. With the 10-year Treasury yielding 4.55% as of mid-July, income investors are demanding a real premium from equity risk. The five monthly dividend payers below all clear that bar, and each combines a well-covered payout with a documented multi-year track record of monthly checks. This is a lineup built for cash flow that shows up like clockwork.
Realty Income wears the ticker "O" and the nickname "The Monthly Dividend Company" for a reason. Realty Income (NYSE:O) currently yields 4.76%, backed by a monthly cadence that has now stretched to 670 consecutive monthly dividends declared and 114 consecutive quarterly increases. The most recent monthly payout ticked up to $0.271, with the next payment set for August 14, 2026.
#income #realty
2 days ago
By Tom Westbrook and Ankur Banerjee
SINGAPORE, July 28 (Reuters) - Chip stocks tanked across Asia on Tuesday, rattled by the threat of Chinese competition and worries about who's paying for the AI boom, while sliding oil prices did little to allay nerves about U.S. rate hikes potentially starting as soon as this week.
South Korea's KOSPI dived almost 10% to a three-month low, triggering a circuit breaker on the way down as it heads for its largest monthly fall since the Asian financial crisis in 1997. The index had more than tripled over 12 months to June, but it has shed more than a third of its value since that peak.
Shares in SK Hynix and Samsung Electronics, which are under extra pressure in a market transformed by leverage, made losses of more than 12% as their stratospheric rally unwinds in a hurry.
Japan's Nikkei slid about 4%, touching a two-year low, with the selloff following a 2.2% drop for the Philadelphia Semiconductor index on Monday.
#ankur #reuters
SINGAPORE, July 28 (Reuters) - Chip stocks tanked across Asia on Tuesday, rattled by the threat of Chinese competition and worries about who's paying for the AI boom, while sliding oil prices did little to allay nerves about U.S. rate hikes potentially starting as soon as this week.
South Korea's KOSPI dived almost 10% to a three-month low, triggering a circuit breaker on the way down as it heads for its largest monthly fall since the Asian financial crisis in 1997. The index had more than tripled over 12 months to June, but it has shed more than a third of its value since that peak.
Shares in SK Hynix and Samsung Electronics, which are under extra pressure in a market transformed by leverage, made losses of more than 12% as their stratospheric rally unwinds in a hurry.
Japan's Nikkei slid about 4%, touching a two-year low, with the selloff following a 2.2% drop for the Philadelphia Semiconductor index on Monday.
#ankur #reuters
2 days ago
Many people say housing is their biggest monthly expense. Right now, that may be true for me as well, since my mortgage payment alone eats up quite a bit of my paycheck.
The good news is that my husband and I are on track to have our home paid off ahead of retirement. But that doesn't mean we want to stay put. Here are three reasons we plan to downsize, despite the fact that our home should be ours mortgage-free at that point.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
I live in New Jersey, which is known for a few things -- Bruce Springsteen, nice beaches, and some of the worst property taxes in the nation.
I'm not going to share what my property tax bill looks like, but suffice it to say, people from other states gasp when they hear what it is. That's probably the biggest reason I hope to downsize in retirement.
#flashing #Retirement
The good news is that my husband and I are on track to have our home paid off ahead of retirement. But that doesn't mean we want to stay put. Here are three reasons we plan to downsize, despite the fact that our home should be ours mortgage-free at that point.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
I live in New Jersey, which is known for a few things -- Bruce Springsteen, nice beaches, and some of the worst property taxes in the nation.
I'm not going to share what my property tax bill looks like, but suffice it to say, people from other states gasp when they hear what it is. That's probably the biggest reason I hope to downsize in retirement.
#flashing #Retirement
2 days ago
SPYI and QQQI deliver 12% and 14% monthly yields using Section 1256 index options, shielding most distributions from ordinary income tax rates.
JEPI and JEPQ distribute ordinary income from equity-linked notes, creating higher tax drag that compounds against taxable-account investors over time.
ISPY's daily call reset preserves more S&P 500 upside, delivering 17% total returns at a lower 4.6% yield than SPYI or QQQI.
Don't wait: the **** yst who called NVIDIA in 2010 just revealed his top 10 AI stocks. See the full list FREE now.
Covered call ETFs promise double-digit yields from a broad equity index. Three funds stand out for how they handle taxes: the NEOS S&P 500 High Income ETF (NASDAQ:SPYI), the NEOS Nasdaq-100 High Income ETF (NASDAQ:QQQI), and the ProShares S&P 500 High Income ETF (NASDAQ:ISPY).
#spyi #high
JEPI and JEPQ distribute ordinary income from equity-linked notes, creating higher tax drag that compounds against taxable-account investors over time.
ISPY's daily call reset preserves more S&P 500 upside, delivering 17% total returns at a lower 4.6% yield than SPYI or QQQI.
Don't wait: the **** yst who called NVIDIA in 2010 just revealed his top 10 AI stocks. See the full list FREE now.
Covered call ETFs promise double-digit yields from a broad equity index. Three funds stand out for how they handle taxes: the NEOS S&P 500 High Income ETF (NASDAQ:SPYI), the NEOS Nasdaq-100 High Income ETF (NASDAQ:QQQI), and the ProShares S&P 500 High Income ETF (NASDAQ:ISPY).
#spyi #high
2 days ago
How much someone needs for retirement can vary greatly depending on where they live and what kind of lifestyle they want to maintain. According to a recent retirement survey from investment firm Schroders, in order to "retire comfortably," Americans estimate they'll need to have around $1.2 million saved up.
That's a high figure, but the good news is even if someone doesn't have a large lump sum saved up today, they can still potentially be on track to retire with that much by making regular monthly investments in the stock market. Here's a look at how much someone would need to invest each month to be on track to reach that goal.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
The S&P 500 is a fairly safe way to invest in the stock market. The index tracks the top 500 U.S. stocks and provides investors with exposure to a broad mix of sectors. But to generate the best returns, specifically targeting growth stocks may be a better move for investors.
The Vanguard Growth ETF (NYSEMKT: VOO) does just that. Rather than trying to be too diversified, the exchange-traded fund (ETF) focuses on holding positions in the country's top growth stocks. That has enabled it to outperform the S&P 500 index funds in recent years. While the volatility from one year to the next can be high with growth stocks, for investors willing to hold on for not only years but decades, it can be a no-brainer option to invest in this type of fund.
#NVIDIA #signal #Invest #investors
That's a high figure, but the good news is even if someone doesn't have a large lump sum saved up today, they can still potentially be on track to retire with that much by making regular monthly investments in the stock market. Here's a look at how much someone would need to invest each month to be on track to reach that goal.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
The S&P 500 is a fairly safe way to invest in the stock market. The index tracks the top 500 U.S. stocks and provides investors with exposure to a broad mix of sectors. But to generate the best returns, specifically targeting growth stocks may be a better move for investors.
The Vanguard Growth ETF (NYSEMKT: VOO) does just that. Rather than trying to be too diversified, the exchange-traded fund (ETF) focuses on holding positions in the country's top growth stocks. That has enabled it to outperform the S&P 500 index funds in recent years. While the volatility from one year to the next can be high with growth stocks, for investors willing to hold on for not only years but decades, it can be a no-brainer option to invest in this type of fund.
#NVIDIA #signal #Invest #investors
2 days ago
BTCI's monthly payouts dropped from $1.04 to $0.65 in 2026, shrinking the forward yield to 8% versus a misleading 40% trailing headline.
Down 23% year to date with a -2% average annual return since inception, BTCI cushions Bitcoin losses but cannot prevent negative total returns.
Don't wait: the **** yst who called NVIDIA in 2010 just revealed his top 10 AI stocks. See the full list FREE now.
The NEOS Bitcoin High Income ETF (CBOE:BTCI) markets itself as a way to earn equity-like income from Bitcoin's volatility. BTCI pays monthly, uses a synthetic covered call overlay on Bitcoin exposure, and has distributed at rates translating into a headline yield well above 15%. This piece examines how BTCI generates that cash flow, whether the current distribution level is durable, and what trailing price action reveals about total returns.
This Bitcoin-oriented vehicle holds BTC exposure indirectly rather than through spot coins. According to the fund's holdings snapshot, roughly 56% of **** ets sit in U.S. Treasury bills, with Bitcoin exposure coming through positions in iShares Bitcoin Trust (roughly 13%) and VanEck's HODL (roughly 7%). The manager writes call options on Bitcoin ETFs and may layer in bear call spreads, a structure described in fund coverage as a synthetic covered call approach. BTCI's design aims to generate income while maintaining indirect exposure to Bitcoin price movements.
#btci
Down 23% year to date with a -2% average annual return since inception, BTCI cushions Bitcoin losses but cannot prevent negative total returns.
Don't wait: the **** yst who called NVIDIA in 2010 just revealed his top 10 AI stocks. See the full list FREE now.
The NEOS Bitcoin High Income ETF (CBOE:BTCI) markets itself as a way to earn equity-like income from Bitcoin's volatility. BTCI pays monthly, uses a synthetic covered call overlay on Bitcoin exposure, and has distributed at rates translating into a headline yield well above 15%. This piece examines how BTCI generates that cash flow, whether the current distribution level is durable, and what trailing price action reveals about total returns.
This Bitcoin-oriented vehicle holds BTC exposure indirectly rather than through spot coins. According to the fund's holdings snapshot, roughly 56% of **** ets sit in U.S. Treasury bills, with Bitcoin exposure coming through positions in iShares Bitcoin Trust (roughly 13%) and VanEck's HODL (roughly 7%). The manager writes call options on Bitcoin ETFs and may layer in bear call spreads, a structure described in fund coverage as a synthetic covered call approach. BTCI's design aims to generate income while maintaining indirect exposure to Bitcoin price movements.
#btci
2 days ago
Argentina's massive shale oil and gas boom is going from strength to strength. The economically crisis-prone South American country yet again reported record monthly oil and natural gas production for May 2026. This couldn't come at a better time for Argentina and South America. Rising global geopolitical risks, notably due to war in the Middle East, and domestic economic hazards hold the potential to derail the significant economic gains Argentina has made over the last two years.
Ministry of Economy data shows May 2026 oil production hit an all-time high of 887,227 barrels per day. This represents a 0.6% increase month over month and is an impressive 19% greater than the same period a year earlier. Natural gas output also rose to 5.5 billion cubic feet per day, which was just shy of the record 5.7 billion cubic feet daily reported for July 2025. Indeed, May 2026 natural gas production was 5.4% greater than a month prior and a stunning 11% higher year over year.
It is the massive shale boom underway in the 8.6-million-acre Vaca Muerta formation that is responsible for this solid production growth. For May 2026, shale oil comprised 70.6% of Argentina's total oil production, while shale gas made up 69.8% of total output. Those ratios are at record highs for shale oil and gas as a proportion of Argentina's total hydrocarbon output. This is a game changer for Argentina, which recently overtook Colombia to cement its place as South America's fourth largest oil producer.
The Vaca Muerta shale formation, which is regularly compared to the Eagle Ford shale, is in the early stages of development. Drillers in the formation are still in that phase of deciding where the core producing areas are located. The Vaca Muerta is regarded as one of the most promising unconventional oil and gas plays globally, containing an estimated 16 billion barrels of recoverable oil and 308 trillion cubic feet of recoverable natural gas resources. This all points to tremendous future unconventional hydrocarbon production growth for Argentina.
Many of the Vaca Muerta shale formation's characteristics are superior to U.S. shales, even the prolific Permian, which is the largest oil-producing basin in the United States. The formation's shale is significantly thicker than the Permian, with it estimated to be at least double the width, allowing for more horizontal landings per pad and more frac stages per well. The Vaca Muerta's organic content exceeds that found in most U.S. shale plays, while its reservoir pressure is significantly higher.
#record
Ministry of Economy data shows May 2026 oil production hit an all-time high of 887,227 barrels per day. This represents a 0.6% increase month over month and is an impressive 19% greater than the same period a year earlier. Natural gas output also rose to 5.5 billion cubic feet per day, which was just shy of the record 5.7 billion cubic feet daily reported for July 2025. Indeed, May 2026 natural gas production was 5.4% greater than a month prior and a stunning 11% higher year over year.
It is the massive shale boom underway in the 8.6-million-acre Vaca Muerta formation that is responsible for this solid production growth. For May 2026, shale oil comprised 70.6% of Argentina's total oil production, while shale gas made up 69.8% of total output. Those ratios are at record highs for shale oil and gas as a proportion of Argentina's total hydrocarbon output. This is a game changer for Argentina, which recently overtook Colombia to cement its place as South America's fourth largest oil producer.
The Vaca Muerta shale formation, which is regularly compared to the Eagle Ford shale, is in the early stages of development. Drillers in the formation are still in that phase of deciding where the core producing areas are located. The Vaca Muerta is regarded as one of the most promising unconventional oil and gas plays globally, containing an estimated 16 billion barrels of recoverable oil and 308 trillion cubic feet of recoverable natural gas resources. This all points to tremendous future unconventional hydrocarbon production growth for Argentina.
Many of the Vaca Muerta shale formation's characteristics are superior to U.S. shales, even the prolific Permian, which is the largest oil-producing basin in the United States. The formation's shale is significantly thicker than the Permian, with it estimated to be at least double the width, allowing for more horizontal landings per pad and more frac stages per well. The Vaca Muerta's organic content exceeds that found in most U.S. shale plays, while its reservoir pressure is significantly higher.
#record
2 days ago
A single first RMD can push a retiree two IRMAA brackets higher, jumping Medicare Part B premiums from $203 to $406 per month.
IRMAA brackets work as cliffs, meaning that crossing a threshold by even $1 triggers the full surcharge for the entire year based on income from two years prior.
Qualified Charitable Distributions and pre-RMD Roth conversions are the primary tools retirees use to reduce IRMAA exposure before distributions begin.
Two retirees, same $1 million, same 4% rule, buy one finished with $1.4 million, the other hit $0 in 12 years. Our free reader guide explains the flaw that separated them, and the income-first method built to avoid it.
The standard 2026 Medicare Part B premium is $202.90 a month, up from $185.00 in 2025, and for most beneficiaries, that number is the whole story. For a retiree who took his first Required Minimum Distribution in December and watched it land on top of his other income, the figure that arrived from Social Security was different: $405.80 a month. Same coverage, same doctors, two brackets higher on the Income-Related Monthly Adjustment Amount schedule.
#first #part
IRMAA brackets work as cliffs, meaning that crossing a threshold by even $1 triggers the full surcharge for the entire year based on income from two years prior.
Qualified Charitable Distributions and pre-RMD Roth conversions are the primary tools retirees use to reduce IRMAA exposure before distributions begin.
Two retirees, same $1 million, same 4% rule, buy one finished with $1.4 million, the other hit $0 in 12 years. Our free reader guide explains the flaw that separated them, and the income-first method built to avoid it.
The standard 2026 Medicare Part B premium is $202.90 a month, up from $185.00 in 2025, and for most beneficiaries, that number is the whole story. For a retiree who took his first Required Minimum Distribution in December and watched it land on top of his other income, the figure that arrived from Social Security was different: $405.80 a month. Same coverage, same doctors, two brackets higher on the Income-Related Monthly Adjustment Amount schedule.
#first #part
5 days ago
The lawsuit against actor Malcolm Jamal-Warner's mother should serve as a reminder to everyone to update estate plans and other documents regularly, lawyers say.
On July 20, Tenisha Delilah Warner, "The Cosby Show" star's widow, filed a lawsuit against the actor's mother, Pamela Warner, claiming she's owed more than $1.2 million under a premarital agreement.
The agreement included a $1 million life insurance policy that was never put in place by her late husband, $16,000 tax-free each year on their wedding anniversary, Roth IRA funding for as long as they remained married, and $5,000 monthly for serving as his chief of staff and ****** istant. The actor died in July 2025, and his mother is successor trustee of the Warner Family Trust.
The revocable Warner Family Trust left nothing to the Emmy-nominated actor's widow or his 9-year-old daughter because it was established in 1996 and never updated to reflect his new family, the widow said. The couple met in 2015 and married in 2017, the same year their daughter was born.
The trust leaves 70% of Malcolm-Jamal Warner's ****** ets to his mother, 15% to his late father, Robert Warner Jr., and 15% to his half-sister Collage, according to a legal petition Tenisha Warner filed. "This was not Malcolm's intent," she said.
#malcolm #tenisha
On July 20, Tenisha Delilah Warner, "The Cosby Show" star's widow, filed a lawsuit against the actor's mother, Pamela Warner, claiming she's owed more than $1.2 million under a premarital agreement.
The agreement included a $1 million life insurance policy that was never put in place by her late husband, $16,000 tax-free each year on their wedding anniversary, Roth IRA funding for as long as they remained married, and $5,000 monthly for serving as his chief of staff and ****** istant. The actor died in July 2025, and his mother is successor trustee of the Warner Family Trust.
The revocable Warner Family Trust left nothing to the Emmy-nominated actor's widow or his 9-year-old daughter because it was established in 1996 and never updated to reflect his new family, the widow said. The couple met in 2015 and married in 2017, the same year their daughter was born.
The trust leaves 70% of Malcolm-Jamal Warner's ****** ets to his mother, 15% to his late father, Robert Warner Jr., and 15% to his half-sister Collage, according to a legal petition Tenisha Warner filed. "This was not Malcolm's intent," she said.
#malcolm #tenisha
5 days ago
By Alun John, Dhara Ranasinghe and Sophie Kiderlin
LONDON, July 24 (Reuters) - Renewed hostilities in the Gulf have revived stagflation talk, dimming hopes the interim deal between the U.S. and Iran had come in time for the world economy to avoid elevated inflation alongside stagnant economic growth.
Instead, oil prices are back at $100, European gas prices are set for their biggest monthly jump since March and government borrowing costs are at multi-year highs on inflation angst as tensions escalate once more.
Trade frictions are adding to the uncertainty facing consumers, businesses and investors. The U.S. on Friday imposed new tariffs of 10% and 12.5% on goods from 60 trading partners, including the European Union and China, likely raising prices further.
"Stagflation risk has been very much there for each economy since March, in different ways," said Alessia Berardi, head of global macroeconomics, Amundi Investment Institute.
#john
LONDON, July 24 (Reuters) - Renewed hostilities in the Gulf have revived stagflation talk, dimming hopes the interim deal between the U.S. and Iran had come in time for the world economy to avoid elevated inflation alongside stagnant economic growth.
Instead, oil prices are back at $100, European gas prices are set for their biggest monthly jump since March and government borrowing costs are at multi-year highs on inflation angst as tensions escalate once more.
Trade frictions are adding to the uncertainty facing consumers, businesses and investors. The U.S. on Friday imposed new tariffs of 10% and 12.5% on goods from 60 trading partners, including the European Union and China, likely raising prices further.
"Stagflation risk has been very much there for each economy since March, in different ways," said Alessia Berardi, head of global macroeconomics, Amundi Investment Institute.
#john
6 days ago
Truist upgraded CoreWeave to Buy at $126 as AI spending shifts from model training to inference, sparking a 6% single-name rally on Wednesday.
CRWV's gain diverges sharply from peers NET and ORCL, confirming today's move is ******* yst-driven, not a broad cloud sector re-rating.
CRWV trades near $84, well below the $140 ******* yst consensus target, but a 33% monthly pullback and customer concentration warrant disciplined position sizing.
Act now: the ******* yst who called NVIDIA in 2010 just named his top 10 AI stocks — and Snowflake didn't make the cut. Grab the names FREE today.
CoreWeave (NASDAQ:CRWV) shares are climbing in Wednesday morning trading, with CoreWeave stock up 6% to $84.02 after a fresh ******* yst endorsement. The move stands out against a soft tape for cloud infrastructure peers, with Cloudflare (NYSE:NET) shares down 1% to $268.46, Snowflake (NYSE:SNOW) shares down 2% to $265.68, and Oracle (NYSE:ORCL) stock unchanged at $126.50.
#coreweave #analyst #wednesday #peers
CRWV's gain diverges sharply from peers NET and ORCL, confirming today's move is ******* yst-driven, not a broad cloud sector re-rating.
CRWV trades near $84, well below the $140 ******* yst consensus target, but a 33% monthly pullback and customer concentration warrant disciplined position sizing.
Act now: the ******* yst who called NVIDIA in 2010 just named his top 10 AI stocks — and Snowflake didn't make the cut. Grab the names FREE today.
CoreWeave (NASDAQ:CRWV) shares are climbing in Wednesday morning trading, with CoreWeave stock up 6% to $84.02 after a fresh ******* yst endorsement. The move stands out against a soft tape for cloud infrastructure peers, with Cloudflare (NYSE:NET) shares down 1% to $268.46, Snowflake (NYSE:SNOW) shares down 2% to $265.68, and Oracle (NYSE:ORCL) stock unchanged at $126.50.
#coreweave #analyst #wednesday #peers
6 days ago
Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
Private mortgage insurance (PMI) is insurance that protects the lender if you don't make payments on your home loan. If you're putting less than 20% down on a home and taking out a conventional loan, you generally have to pay this cost at closing or as part of your monthly mortgage payments.
PMI is a form of mortgage insurance that applies to conventional loans. If you buy a home with a conventional loan and your down payment is less than 20% of the home's value, buying PMI is mandatory. Lenders also require you to buy PMI if you're refinancing with a conventional loan and you have less than 20% equity in the home.
Lenders set up your PMI with private insurance companies that offer it, and the cost is listed on your loan estimate and closing disclosure.
PMI is there to protect the lender, not the borrower. If you don't make your mortgage payments, the lender can recoup some of the money they're owed from the insurer. But you're not protected from late payment fines or foreclosure.
#payments
Private mortgage insurance (PMI) is insurance that protects the lender if you don't make payments on your home loan. If you're putting less than 20% down on a home and taking out a conventional loan, you generally have to pay this cost at closing or as part of your monthly mortgage payments.
PMI is a form of mortgage insurance that applies to conventional loans. If you buy a home with a conventional loan and your down payment is less than 20% of the home's value, buying PMI is mandatory. Lenders also require you to buy PMI if you're refinancing with a conventional loan and you have less than 20% equity in the home.
Lenders set up your PMI with private insurance companies that offer it, and the cost is listed on your loan estimate and closing disclosure.
PMI is there to protect the lender, not the borrower. If you don't make your mortgage payments, the lender can recoup some of the money they're owed from the insurer. But you're not protected from late payment fines or foreclosure.
#payments
6 days ago
PFF pays 5.52% annually on preferred stocks, but actively managed PFFA nearly doubles that yield to 9.85% via leverage and higher-coupon holdings.
PFFA's 2.11% expense ratio and leverage amplify both income and drawdown risk, making it better suited for cash-flow seekers than capital-preservation investors.
Don't wait: the ******* yst who called NVIDIA in 2010 just revealed his top 10 AI stocks. See the full list FREE now.
Investors who bought the iShares Preferred & Income Securities ETF (NASDAQ:PFF) did so for one reason: steady monthly income from a diversified pool of preferred stocks, without picking individual issues. PFF is the largest preferred ETF on the market at $13.548 billion in ******* ets, charges 0.45%, and has paid a monthly distribution since 2007. The problem is the paycheck. At a 5.52% dividend yield, a $100,000 stake in PFF generates roughly $5,500 a year. For a reader who wants closer to $10,000 on the same balance, an actively managed cousin from Virtus deserves a look.
The preferred-stock fund tracks the ICE Exposure-Weighted U.S. Preferred Stock Index, which is dominated by bank and insurance preferreds. The top of the book reads like a who's who of U.S. financials: Boeing at 3.98%, plus large positions across Bank of America, JPMorgan, Morgan Stanley, and Goldman Sachs preferred series. The exposure is diversified, the beta is low at 0.53, and the price barely moves. That is the appeal and the ceiling.
#yield
PFFA's 2.11% expense ratio and leverage amplify both income and drawdown risk, making it better suited for cash-flow seekers than capital-preservation investors.
Don't wait: the ******* yst who called NVIDIA in 2010 just revealed his top 10 AI stocks. See the full list FREE now.
Investors who bought the iShares Preferred & Income Securities ETF (NASDAQ:PFF) did so for one reason: steady monthly income from a diversified pool of preferred stocks, without picking individual issues. PFF is the largest preferred ETF on the market at $13.548 billion in ******* ets, charges 0.45%, and has paid a monthly distribution since 2007. The problem is the paycheck. At a 5.52% dividend yield, a $100,000 stake in PFF generates roughly $5,500 a year. For a reader who wants closer to $10,000 on the same balance, an actively managed cousin from Virtus deserves a look.
The preferred-stock fund tracks the ICE Exposure-Weighted U.S. Preferred Stock Index, which is dominated by bank and insurance preferreds. The top of the book reads like a who's who of U.S. financials: Boeing at 3.98%, plus large positions across Bank of America, JPMorgan, Morgan Stanley, and Goldman Sachs preferred series. The exposure is diversified, the beta is low at 0.53, and the price barely moves. That is the appeal and the ceiling.
#yield
6 days ago
Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
With the SAVE program ending and major changes for federal student loan borrowers this year, now could be a good time to review your repayment plan — which may also include refinancing.
Refinancing your student loans can help you score a lower interest rate or consolidate multiple monthly payments into one. But if you're refinancing federal student loans, you could also lose some valuable protections and forgiveness opportunities.
The first step is finding a student loan refinance lender that works with your budget and timeline. To help you get started, here are some top options today.
Read more: How to refinance your student loans
#refinance
With the SAVE program ending and major changes for federal student loan borrowers this year, now could be a good time to review your repayment plan — which may also include refinancing.
Refinancing your student loans can help you score a lower interest rate or consolidate multiple monthly payments into one. But if you're refinancing federal student loans, you could also lose some valuable protections and forgiveness opportunities.
The first step is finding a student loan refinance lender that works with your budget and timeline. To help you get started, here are some top options today.
Read more: How to refinance your student loans
#refinance
6 days ago
DIVO delivers a 6.4% monthly yield from 40 blue-chip dividend payers layered with covered-call premiums, returning 65% over five years.
JPM and CAT anchor DIVO's distribution, with JPM posting $21 billion in Q2 net income and CAT sustaining dividends uninterrupted for over 25 years.
Act now: the **** yst who called NVIDIA in 2010 just named his top 10 AI stocks — and Microsoft didn't make the cut. Grab the names FREE today.
Amplify CWP Enhanced Dividend Income ETF (NYSEARCA:DIVO) pays a 6.4% distribution yield in monthly installments, with the latest payout of $0.18284 per share hitting accounts on June 30, 2026. DIVO attracts income investors seeking monthly distributions without relying entirely on options-income funds that sacrifice growth for yield. The core question is whether the distribution is backed by durable cash flow from blue-chip holdings or masks instability.
This is an actively managed portfolio of roughly 40 large-cap dividend payers, with the top 10 accounting for roughly 49% of **** ets. Sector weights lean toward financials at 24%, technology at 15%, and industrials at 13%. The manager collects ordinary dividends, then writes covered calls on selected positions when volatility makes premiums attractive, layering options income on top. The blended payout flows to shareholders monthly.
#divo
JPM and CAT anchor DIVO's distribution, with JPM posting $21 billion in Q2 net income and CAT sustaining dividends uninterrupted for over 25 years.
Act now: the **** yst who called NVIDIA in 2010 just named his top 10 AI stocks — and Microsoft didn't make the cut. Grab the names FREE today.
Amplify CWP Enhanced Dividend Income ETF (NYSEARCA:DIVO) pays a 6.4% distribution yield in monthly installments, with the latest payout of $0.18284 per share hitting accounts on June 30, 2026. DIVO attracts income investors seeking monthly distributions without relying entirely on options-income funds that sacrifice growth for yield. The core question is whether the distribution is backed by durable cash flow from blue-chip holdings or masks instability.
This is an actively managed portfolio of roughly 40 large-cap dividend payers, with the top 10 accounting for roughly 49% of **** ets. Sector weights lean toward financials at 24%, technology at 15%, and industrials at 13%. The manager collects ordinary dividends, then writes covered calls on selected positions when volatility makes premiums attractive, layering options income on top. The blended payout flows to shareholders monthly.
#divo
6 days ago
Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
With the SAVE program ending and major changes for federal student loan borrowers this year, now could be a good time to review your repayment plan — which may also include refinancing.
Refinancing your student loans can help you score a lower interest rate or consolidate multiple monthly payments into one. But if you're refinancing federal student loans, you could also lose some valuable protections and forgiveness opportunities.
The first step is finding a student loan refinance lender that works with your budget and timeline. To help you get started, here are some top options today.
Read more: How to refinance your student loans
#loans
With the SAVE program ending and major changes for federal student loan borrowers this year, now could be a good time to review your repayment plan — which may also include refinancing.
Refinancing your student loans can help you score a lower interest rate or consolidate multiple monthly payments into one. But if you're refinancing federal student loans, you could also lose some valuable protections and forgiveness opportunities.
The first step is finding a student loan refinance lender that works with your budget and timeline. To help you get started, here are some top options today.
Read more: How to refinance your student loans
#loans
6 days ago
By Harshita Mary Varghese
July 22 (Reuters) - AT&T topped quarterly estimates for wireless subscriber additions on Wednesday as cheaper unlimited plans paired with bundled mobile-broadband offerings drew in value-conscious customers, sending its shares up 4%.
The gains build on AT&T's broader convergence strategy of selling multiple connectivity services to the same household to reduce churn and increase customer lifetime value as U.S. telecom providers chase the same finite pool of users.
The bundled offerings also helped the company post record broadband additions, with 367,000 new fiber internet users and 279,000 fixed wireless subscribers.
AT&T in March launched OneConnect, a single subscription that bundles unlimited wireless service with home internet under one monthly bill.
#wireless #broadband #same
July 22 (Reuters) - AT&T topped quarterly estimates for wireless subscriber additions on Wednesday as cheaper unlimited plans paired with bundled mobile-broadband offerings drew in value-conscious customers, sending its shares up 4%.
The gains build on AT&T's broader convergence strategy of selling multiple connectivity services to the same household to reduce churn and increase customer lifetime value as U.S. telecom providers chase the same finite pool of users.
The bundled offerings also helped the company post record broadband additions, with 367,000 new fiber internet users and 279,000 fixed wireless subscribers.
AT&T in March launched OneConnect, a single subscription that bundles unlimited wireless service with home internet under one monthly bill.
#wireless #broadband #same
6 days ago
MINNEAPOLIS — Minnesota coach Niko Medved has received a one-year contract extension with a slight raise after a promising first season at his alma mater.
The university board of regents approved the contract amendment at its regular monthly meeting, giving Medved a $100,000 pay **** p on top of the $100,000 annual increase in his initial six-year deal. Medved is now signed through the 2031-32 season and will make $3.2 million in 2026-27, which ranks 17th out of 18 head coaches in the Big Ten, according to university documents.
The Gophers went 15-18 overall and 8-12 in Big Ten play in Medved’s first year, with a lineup depleted by injuries. The former student manager and **** istant coach for the Gophers was hired last year after seven seasons at Colorado State. He’s entering his 14th year as a head coach, including stops at Drake and Furman.
#medved #gophers #university
The university board of regents approved the contract amendment at its regular monthly meeting, giving Medved a $100,000 pay **** p on top of the $100,000 annual increase in his initial six-year deal. Medved is now signed through the 2031-32 season and will make $3.2 million in 2026-27, which ranks 17th out of 18 head coaches in the Big Ten, according to university documents.
The Gophers went 15-18 overall and 8-12 in Big Ten play in Medved’s first year, with a lineup depleted by injuries. The former student manager and **** istant coach for the Gophers was hired last year after seven seasons at Colorado State. He’s entering his 14th year as a head coach, including stops at Drake and Furman.
#medved #gophers #university
6 days ago
MINNEAPOLIS (AP) — Minnesota coach Niko Medved has received a one-year contract extension with a slight raise after a promising first season at his alma mater.
The university board of regents approved the contract amendment this week at its regular monthly meeting, giving Medved a $100,000 pay ***** p on top of the $100,000 annual increase in his initial six-year deal. Medved is now signed through the 2031-32 season and will make $3.2 million in 2026-27, which ranks 17th out of 18 head coaches in the Big Ten, according to university documents.
The Gophers went 15-18 overall and 8-12 in Big Ten play in Medved's first year, with a lineup depleted by injuries. The former student manager and ***** istant coach for the Gophers was hired last year after seven seasons at Colorado State. He's entering his 14th year as a head coach, including stops at Drake and Furman.
___
AP college basketball: https://apnews.com/hub/ap-... and https://apnews.com/hub/col...
#year #Basketball #gophers #contract
The university board of regents approved the contract amendment this week at its regular monthly meeting, giving Medved a $100,000 pay ***** p on top of the $100,000 annual increase in his initial six-year deal. Medved is now signed through the 2031-32 season and will make $3.2 million in 2026-27, which ranks 17th out of 18 head coaches in the Big Ten, according to university documents.
The Gophers went 15-18 overall and 8-12 in Big Ten play in Medved's first year, with a lineup depleted by injuries. The former student manager and ***** istant coach for the Gophers was hired last year after seven seasons at Colorado State. He's entering his 14th year as a head coach, including stops at Drake and Furman.
___
AP college basketball: https://apnews.com/hub/ap-... and https://apnews.com/hub/col...
#year #Basketball #gophers #contract
7 days ago
This article was originally published on ETFTrends.com.
The threads of the markets continue to weave a complicated story. The landscape has moved from a backdrop characterized by a hawkish Fed, a bulletproof AI investment cycle, and a willingness to look through Iran/U.S. tensions, to one defined by a respite from Fed tightening, doubts about the return on investment of AI spending, and a renewed Iran/U.S. conflict with no end in sight.
Inflation prints have surprised to the downside recently, which takes the risk of an immediate rate hike at the July FOMC off the table. Last week's CPI and PPI readings printed below most expectations, providing a reprieve from the worrying inflation dynamics that emerged following the March energy shock. CPI fell month-over-month in June, the largest monthly decline since April 2020, and is now tracking at 3.5%, down from 4.2% in May. PPI also declined by 0.3% in June and slowed to 5.5% on a year-over-year basis from 6.0% in May.
The decline in headline CPI and PPI was expected given lower energy prices in June. More encouragingly, shelter inflation, a major contributor to core inflation that has little to do with energy prices in the near-term, rose by only 0.1% in June, the smallest monthly increase in six years.
Markets continue to price a benign inflation outlook, even if recent geopolitical developments have increased uncertainty at the margin. One-year inflation swaps imply inflation of just 2.02% over the next year, suggesting investors expect the Iran-related energy shock to remain contained and elevated current prices to fade through base effects. A July FOMC hike appears unlikely, as markets are implying only a 14% probability.
#inflation #fomc #continue
The threads of the markets continue to weave a complicated story. The landscape has moved from a backdrop characterized by a hawkish Fed, a bulletproof AI investment cycle, and a willingness to look through Iran/U.S. tensions, to one defined by a respite from Fed tightening, doubts about the return on investment of AI spending, and a renewed Iran/U.S. conflict with no end in sight.
Inflation prints have surprised to the downside recently, which takes the risk of an immediate rate hike at the July FOMC off the table. Last week's CPI and PPI readings printed below most expectations, providing a reprieve from the worrying inflation dynamics that emerged following the March energy shock. CPI fell month-over-month in June, the largest monthly decline since April 2020, and is now tracking at 3.5%, down from 4.2% in May. PPI also declined by 0.3% in June and slowed to 5.5% on a year-over-year basis from 6.0% in May.
The decline in headline CPI and PPI was expected given lower energy prices in June. More encouragingly, shelter inflation, a major contributor to core inflation that has little to do with energy prices in the near-term, rose by only 0.1% in June, the smallest monthly increase in six years.
Markets continue to price a benign inflation outlook, even if recent geopolitical developments have increased uncertainty at the margin. One-year inflation swaps imply inflation of just 2.02% over the next year, suggesting investors expect the Iran-related energy shock to remain contained and elevated current prices to fade through base effects. A July FOMC hike appears unlikely, as markets are implying only a 14% probability.
#inflation #fomc #continue
7 days ago
Bond traders and Federal Reserve Chairman Kevin Warsh are in agreement on a crucial point: The central bank's fight against inflation still seems far from over. The Labor Department report that US consumer prices in June saw the first monthly drop since 2020 was met with relief in financial markets, where investors last week rapidly unwound bets that the central bank might start raising interest rates later this month. Rob Sockin, Chief Economist at PGIM, discusses his base case of three rate hikes in 2026.
#bond #labor #june
#bond #labor #june
7 days ago
For the first time in the program's history, Medicare is covering weight-loss drugs, and the price tag looks almost too good to pass up.
Beginning July 1, eligible Part D enrollees can access medications including Wegovy, Foundayo, and the Zepbound KwikPen for a flat $50 monthly copay through a temporary federal demonstration called the Medicare GLP-1 (glucagon-like peptide-1) Bridge.
That is a massive discount compared to the retail price of these drugs, which can exceed $1,000 per month without insurance coverage.
It arrives at a moment when roughly 56% of GLP-1 users say affordability is a significant challenge, a poll from KFF, the health policy research organization, found.
But this is not traditional Part D coverage, and the distinction creates financial consequences that could blindside enrollees who ******* ume the program works like every other Medicare prescription benefit they have used.
#part #drugs
Beginning July 1, eligible Part D enrollees can access medications including Wegovy, Foundayo, and the Zepbound KwikPen for a flat $50 monthly copay through a temporary federal demonstration called the Medicare GLP-1 (glucagon-like peptide-1) Bridge.
That is a massive discount compared to the retail price of these drugs, which can exceed $1,000 per month without insurance coverage.
It arrives at a moment when roughly 56% of GLP-1 users say affordability is a significant challenge, a poll from KFF, the health policy research organization, found.
But this is not traditional Part D coverage, and the distinction creates financial consequences that could blindside enrollees who ******* ume the program works like every other Medicare prescription benefit they have used.
#part #drugs
7 days ago
Fred Alger Management, an investment management company, released its "Alger Weatherbie Specialized Growth Fund" second-quarter 2026 investor letter. A copy of the letter can be downloaded here. U.S. equities experienced a strong recovery in Q2 2026, with the S&P 500 Index gaining 15.2%, marking its best quarter since 2020. A ceasefire between the United States and Iran and accelerated investment in artificial intelligence (AI) regained market optimism in the quarter, leading the Information Technology and Industrials sectors upward, and Energy and Utilities lagged because of falling oil and gas prices. In June, the Federal Reserve maintained steady interest rates, but the meeting had a hawkish tone. As AI transitions into its agentic phase, opportunities are identified within sectors adopting the technology. The Weatherbie Specialized Growth Fund's Class A shares outperformed the Russell 2500 Growth Index in the quarter. The Industrials and Information Technology sectors contributed to the relative performance, whereas Financials and Consumer Discretionary sectors detracted. In addition, please check the Fund's top five holdings to know its best picks in 2026.
In its Q2 2026 investor letter, Alger Weatherbie Specialized Growth Fund mentioned stocks like Planet Fitness, Inc. (NYSE:PLNT). Planet Fitness, Inc. (NYSE:PLNT) a US-based franchise that operates fitness centers under the Planet Fitness brand, detracted from the Fund's performance during the quarter. On July 20, 2026, Planet Fitness, Inc. (NYSE:PLNT) closed at $55.25 per share. One-month return of Planet Fitness, Inc. (NYSE:PLNT) was 6.58%, and its shares lost 51.34% over the past 52 weeks. Planet Fitness, Inc. (NYSE:PLNT) has a market capitalization of $4.38 billion.
Alger Weatherbie Specialized Growth Fund stated the following regarding Planet Fitness, Inc. (NYSE:PLNT) in its Q2 2026 investor update:
"Planet Fitness, Inc. (NYSE:PLNT) is one of the largest fitness club franchisors in the world, operating a budget-friendly gym model built around low monthly dues, broad accessibility, and a welcoming brand position. We believe the company benefits from a capital-light franchise structure, strong brand recognition, and a meaningful long-term opportunity to expand its club base both in the U.S. and internationally. During the quarter, shares detracted from performance after the company lowered both its revenue and earnings outlook, as member sign-ups fell short of internal expectations following a recent brand repositioning. Sentiment was also pressured by management transition concerns, including the departure of the Chief Financial Officer, as well as broader pressure on discretionary consumer spending."
#planet #plnt
In its Q2 2026 investor letter, Alger Weatherbie Specialized Growth Fund mentioned stocks like Planet Fitness, Inc. (NYSE:PLNT). Planet Fitness, Inc. (NYSE:PLNT) a US-based franchise that operates fitness centers under the Planet Fitness brand, detracted from the Fund's performance during the quarter. On July 20, 2026, Planet Fitness, Inc. (NYSE:PLNT) closed at $55.25 per share. One-month return of Planet Fitness, Inc. (NYSE:PLNT) was 6.58%, and its shares lost 51.34% over the past 52 weeks. Planet Fitness, Inc. (NYSE:PLNT) has a market capitalization of $4.38 billion.
Alger Weatherbie Specialized Growth Fund stated the following regarding Planet Fitness, Inc. (NYSE:PLNT) in its Q2 2026 investor update:
"Planet Fitness, Inc. (NYSE:PLNT) is one of the largest fitness club franchisors in the world, operating a budget-friendly gym model built around low monthly dues, broad accessibility, and a welcoming brand position. We believe the company benefits from a capital-light franchise structure, strong brand recognition, and a meaningful long-term opportunity to expand its club base both in the U.S. and internationally. During the quarter, shares detracted from performance after the company lowered both its revenue and earnings outlook, as member sign-ups fell short of internal expectations following a recent brand repositioning. Sentiment was also pressured by management transition concerns, including the departure of the Chief Financial Officer, as well as broader pressure on discretionary consumer spending."
#planet #plnt
7 days ago
Medicare sets premiums using your MAGI from two years prior, so a $350,000 pension lump sum can spike Part B costs from $203 to $649 monthly.
IRMAA surcharges act as cliffs, where crossing a threshold by just $1 triggers the full penalty and costs Frank roughly $6,400 in a single year.
A trustee-to-trustee IRA rollover keeps a pension buyout out of MAGI entirely, spreading taxable income over years to stay below IRMAA thresholds.
Are you ahead, or behind on retirement? SmartAsset's free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don't waste another minute; learn more here.
He retired at 65 from a machine parts company that offered him a choice: a monthly pension check for life, or a one-time cash buyout of roughly $350,000. He took the lump sum. It felt safer to control the money himself, and the company had been shaky for years. He rolled some into an IRA, kept a chunk in a taxable brokerage account for a kitchen remodel, and started Social Security at 66.
#monthly
IRMAA surcharges act as cliffs, where crossing a threshold by just $1 triggers the full penalty and costs Frank roughly $6,400 in a single year.
A trustee-to-trustee IRA rollover keeps a pension buyout out of MAGI entirely, spreading taxable income over years to stay below IRMAA thresholds.
Are you ahead, or behind on retirement? SmartAsset's free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don't waste another minute; learn more here.
He retired at 65 from a machine parts company that offered him a choice: a monthly pension check for life, or a one-time cash buyout of roughly $350,000. He took the lump sum. It felt safer to control the money himself, and the company had been shaky for years. He rolled some into an IRA, kept a chunk in a taxable brokerage account for a kitchen remodel, and started Social Security at 66.
#monthly
7 days ago
Denise Richards and Aaron Phypers' divorce battle takes another turn. Phypers has filed a new claim against his estranged wife, citing that she failed to pay court-ordered support.
Aaron Phypers has filed new legal documents against Denise Richards. According to TMZ, the documents state that Richards has failed to pay monthly temporary spousal support and legal costs. The RHOBH star reportedly owes $30k to his lawyers and $5k each month to Phypers.
She reportedly only paid a partial amount, $13,500 to him and $28,000 to the lawyers; however, a $41,500 balance is still outstanding.
Phypers claims that she earns enough through OnlyFans and reality shows to cover his spousal support; however, the actress has failed to pay spousal support as per court orders.
The latest filings ask the court to hold Richards in contempt for reportedly failing to comply with a previously agreed court order.
#failed #aaron
Aaron Phypers has filed new legal documents against Denise Richards. According to TMZ, the documents state that Richards has failed to pay monthly temporary spousal support and legal costs. The RHOBH star reportedly owes $30k to his lawyers and $5k each month to Phypers.
She reportedly only paid a partial amount, $13,500 to him and $28,000 to the lawyers; however, a $41,500 balance is still outstanding.
Phypers claims that she earns enough through OnlyFans and reality shows to cover his spousal support; however, the actress has failed to pay spousal support as per court orders.
The latest filings ask the court to hold Richards in contempt for reportedly failing to comply with a previously agreed court order.
#failed #aaron
7 days ago
By Chris Prentice and Mariam Sunny
NEW YORK, July 22 (Reuters) - Many patients have opted for injectable forms of the wildly popular GLP-1 obesity medications through a pilot program of the U.S. government's Medicare health insurance program for Americans aged 65 and older, according to early indications from doctors and analysts.
The U.S. Centers for Medicare & Medicaid Services this month launched an 18-month trial program that for the first time opens access to Novo Nordisk's Wegovy and Eli Lilly's Foundayo and Zepbound as weight-loss treatment alone for a monthly cost of $50.
Millions of people are expected to qualify, and doctors are already being flooded with interest from patients aged 65 and older. For the most part, they say the process is going well — with some hiccups.
Many pharmaceutical industry experts had expected that patients would prefer pills over injections, for convenience. Novo's U.S. chief Jamey Millar in June said the firm's research indicated that Medicare beneficiaries prefer the oral pill to the injectable on a two-to-one basis.
#medicare #patients #program #older
NEW YORK, July 22 (Reuters) - Many patients have opted for injectable forms of the wildly popular GLP-1 obesity medications through a pilot program of the U.S. government's Medicare health insurance program for Americans aged 65 and older, according to early indications from doctors and analysts.
The U.S. Centers for Medicare & Medicaid Services this month launched an 18-month trial program that for the first time opens access to Novo Nordisk's Wegovy and Eli Lilly's Foundayo and Zepbound as weight-loss treatment alone for a monthly cost of $50.
Millions of people are expected to qualify, and doctors are already being flooded with interest from patients aged 65 and older. For the most part, they say the process is going well — with some hiccups.
Many pharmaceutical industry experts had expected that patients would prefer pills over injections, for convenience. Novo's U.S. chief Jamey Millar in June said the firm's research indicated that Medicare beneficiaries prefer the oral pill to the injectable on a two-to-one basis.
#medicare #patients #program #older
7 days ago
Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
Private mortgage insurance (PMI) is insurance that protects the lender if you don't make payments on your home loan. If you're putting less than 20% down on a home and taking out a conventional loan, you generally have to pay this cost at closing or as part of your monthly mortgage payments.
PMI is a form of mortgage insurance that applies to conventional loans. If you buy a home with a conventional loan and your down payment is less than 20% of the home's value, buying PMI is mandatory. Lenders also require you to buy PMI if you're refinancing with a conventional loan and you have less than 20% equity in the home.
Lenders set up your PMI with private insurance companies that offer it, and the cost is listed on your loan estimate and closing disclosure.
PMI is there to protect the lender, not the borrower. If you don't make your mortgage payments, the lender can recoup some of the money they're owed from the insurer. But you're not protected from late payment fines or foreclosure.
#mortgage #conventional #lender
Private mortgage insurance (PMI) is insurance that protects the lender if you don't make payments on your home loan. If you're putting less than 20% down on a home and taking out a conventional loan, you generally have to pay this cost at closing or as part of your monthly mortgage payments.
PMI is a form of mortgage insurance that applies to conventional loans. If you buy a home with a conventional loan and your down payment is less than 20% of the home's value, buying PMI is mandatory. Lenders also require you to buy PMI if you're refinancing with a conventional loan and you have less than 20% equity in the home.
Lenders set up your PMI with private insurance companies that offer it, and the cost is listed on your loan estimate and closing disclosure.
PMI is there to protect the lender, not the borrower. If you don't make your mortgage payments, the lender can recoup some of the money they're owed from the insurer. But you're not protected from late payment fines or foreclosure.
#mortgage #conventional #lender
9 days ago
Just when we thought things were going in a good direction, tensions in the Middle East escalated again. If things worsen, it may eventually impact broader equities. Even if that doesn't happen, it's always useful for investors to buy shares in solid, dividend-paying corporations that can perform relatively well -- and continue raising their payouts -- regardless of economic conditions.
Let's consider two excellent stocks that fit the bill: AbbVie (NYSE: ABBV) and Johnson & Johnson (NYSE: JNJ). Both are Dividend Kings, or companies with at least 50 consecutive years of dividend increases. Here's why they are among my favorite stocks in this elite group to buy right now.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
AbbVie, a pharmaceutical leader, boasts a deep portfolio of medicines across several therapeutic areas. The company is best-known for its work in immunology, with its two growth pillars, Skyrizi and Rinvoq, performing even better than management had anticipated. They should maintain sales growth for a while, and by the time they run into patent cliffs, the drugmaker will almost certainly have found new growth drivers. AbbVie is developing promising products, including an investigational weight-loss medicine, ABBV-295, that performed well in early stage studies.
The anti-obesity market is growing rapidly, and AbbVie's candidate could prove a highly differentiated **** et, as it can be administered monthly (the current leaders are taken weekly).
Let's consider two excellent stocks that fit the bill: AbbVie (NYSE: ABBV) and Johnson & Johnson (NYSE: JNJ). Both are Dividend Kings, or companies with at least 50 consecutive years of dividend increases. Here's why they are among my favorite stocks in this elite group to buy right now.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
AbbVie, a pharmaceutical leader, boasts a deep portfolio of medicines across several therapeutic areas. The company is best-known for its work in immunology, with its two growth pillars, Skyrizi and Rinvoq, performing even better than management had anticipated. They should maintain sales growth for a while, and by the time they run into patent cliffs, the drugmaker will almost certainly have found new growth drivers. AbbVie is developing promising products, including an investigational weight-loss medicine, ABBV-295, that performed well in early stage studies.
The anti-obesity market is growing rapidly, and AbbVie's candidate could prove a highly differentiated **** et, as it can be administered monthly (the current leaders are taken weekly).
10 days ago
Ethereum (ETH) has managed to stay above $1,800 in the past few days. This is a key area that has acted as both support and resistance for the top altcoin for weeks, and that could define its course in the next few days.
In the last 24 hours alone, ETH has advanced by 1.5% after two consecutive days of losses. Market sentiment has recovered considerably compared to a few days ago, as reports indicated that inflation in the United States cooled down a bit in June.
The Crypto Fear and Greed Index currently sits at 34, meaning that investors' attitude has swung from Extreme Fear to the closest it has gotten to "Neutral" territory since the end of May.
Meanwhile, Ethereum-linked exchange-traded funds (ETFs) brought in positive net inflows amounting to $106 million. This indicates that investors' interest in the top altcoin has been recovering, probably as a result of the latest price action.
Overall, monthly net inflows in July have been positive after two consecutive months of net outflows.
In the last 24 hours alone, ETH has advanced by 1.5% after two consecutive days of losses. Market sentiment has recovered considerably compared to a few days ago, as reports indicated that inflation in the United States cooled down a bit in June.
The Crypto Fear and Greed Index currently sits at 34, meaning that investors' attitude has swung from Extreme Fear to the closest it has gotten to "Neutral" territory since the end of May.
Meanwhile, Ethereum-linked exchange-traded funds (ETFs) brought in positive net inflows amounting to $106 million. This indicates that investors' interest in the top altcoin has been recovering, probably as a result of the latest price action.
Overall, monthly net inflows in July have been positive after two consecutive months of net outflows.
