5 year financial plan template personal

Share to Twitter Share to Linkedin Genetic testing once was offered only to people with rare genetic conditions, or strong family histories of disease that spanned generations. But genetic testing is now being offered to healthy people, to detect if they carry a genetic change (often referred to as a “variant” or “mutation”) that may place them at high risk to develop preventable conditions, including some cancers and cardiac conditions. In theory, population genetic testing makes sense. Instead of waiting for a person to die of a heart attack at a young age, we can learn of some of those risks ahead of time and mitigate them. This approach works not only for the person having testing and their family members – who may also be at risk – but also for our medical system, employers, and overarching health care costs that we, as a society, want to minimize. But in practice, are we there yet? Cristi’s story illustrates that we still have a long way to go to … [Read more...] about Population Genetic Testing: Save Lives And Money, While Avoiding Financial Toxicity

Share to Twitter Share to Linkedin Cigna Thursday reported nearly $1.6 billion in quarterly profits thanks to rising health plan membership and continued growth of the company’s Evernorth health services business. Net income rose 6% to $1.56 billion, or $4.90 per share, in the second quarter compared with $1.46 billion, or $4.25 per share, for second quarter of last year, the company’s earnings report said . Revenues, meanwhile, rose 5% to $45.5 billion compared to $43.1 billion in the year-ago period. Cigna’s profits and growing customer base contributed to the company’s decision to raise its financial outlook for the rest of 2022 yet again. Cigna now says full year 2022 consolidated adjusted income from operations “is projected to be at least $7.165 billion, or at least $22.90 per share,” which is 30 cents more than an earlier projection, the company disclosed Thursday. “Our focus on our customers, patients and clients continues to resonate in … [Read more...] about Cigna’s Evernorth And Health Plan Growth Push Profits To $1.6 Billion

Share to Twitter Share to Linkedin Federico J. González, CEO of Radisson Hotel Group, believes the company is entering a new phase of growth with the recent, pre-pandemic launch of Radisson Collection, a new luxury segment for the hospitality company. Paired with the announcement that Radisson Hotel Group Americas and Choice Hotels are combining forces, he sees a bright future for the growing number and reach of its brands. Radisson Collection is the newest brand for Radisson, which in its own right, is growing by leaps and bounds. The combination of Radisson’s North and Latin American hotels and Choice Hotels gives loyalty program members more opportunity to redeem their points around the world . González shares details of the new luxury brand for Radisson, its new hotel openings and what loyalty program members and guests can expect when they visit. When and why did you launch Radisson Collection? The brand launched in March 2018, but is really … [Read more...] about Radisson Hotel Group CEO Outlines Plans For Luxury, Sustainability And 2022 Growth

Share to Twitter Share to Linkedin Two years after the first rounds of Covid stimulus payments were sent by the federal government, efforts are beginning to assess the effect of direct cash payments. I have long been an advocate for cash payments, especially for rent, instead of expensive and inefficient building programs. A couple of studies point at two important outcomes from the Covid cash. First, the money helped solve real problems associated with Covid and poverty. Second, the money created some subjective impacts, specifically more awareness about money and budgeting and a heightened sense of anxiety about what happens when the subsidy is gone. If we’re going to move toward a cash for rent strategy, it’s worth taking a look at these outcomes. “ How Effective Is (More) Money? ” asks a study completed by a team of researchers looking at hundreds of Covid relief payments sent out to households during the pandemic. At first, their answer – “we find no … [Read more...] about Cash For Housing Better Than More Building Alone

PELOSI’S JAN 6 PRIMETIME SPECTACULAR BEGINS THIS WEEK… FORMER ABC NEWS PRESIDENT JOINS CAMPAIGN… AXIOS : Scoop: Jan. 6 committee’s secret adviser The House’s Jan. 6 committee has turned to a renowned former network news executive to hone a mountain of explosive material into a captivating multimedia presentation for a prime-time hearing Thursday. James Goldston — former president of ABC News, and a master documentary storyteller who ran “Good Morning America” and “Nightline” — has joined the committee as an unannounced adviser, Axios has learned. […] I’m told Goldston is busily producing Thursday’s 8 p.m. ET hearing as if it were a blockbuster investigative special. MORE … NETWORKS PLAN TO INTERRUPT PROGRAMMING TO TAKE IT LIVE… At least two of the broadcast networks will interrupt evening programming for live coverage anchored by ABC’s David Muir and CBS’ Norah O’Donnell. NBC will announce plans soon. MORE… DEM CONGRESSMAN WANTS JAN 6 COMMITTEE TO PUSH … [Read more...] about Editor Daily Rundown: Pelosi’s Jan 6 Primetime Spectacular Kicks Off This Week

Your credit score is one of the most important measures of your financial health. It tells lenders at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or new lines of credit. A higher credit score can also open the door to the lowest available interest rates when you borrow. If you would like to boost your credit score, there are a number of quick, simple things that you can do. While it might take a few months to see an improvement in your credit score, you can start working toward a better score in just a few hours. Key Takeaways It takes less than a couple of days to pull all your credit reports from the three major credit bureaus, and assessing your credit score is the first step to raising it. In just a few hours, you can set due-date alerts for bills, so you know when a bill is coming up. Paying your bills on time Is one of the most important steps in improving your credit score. Pay down … [Read more...] about How to Improve Your Credit Score Fast

Share to Twitter Share to Linkedin Most of the countries at the top of a new list of the wealthiest in the world are not among the biggest or the mightiest. Many, in fact, are among the smallest: Consider Luxembourg , which tops the list published by Global Finance. Singapore, Ireland, Qatar, Macao and Switzerland follow the world’s only grand duchy. The indicators of a nation’s wealth can vary from one ranking to another — thus the differences among them — but often include a country’s Gross Domestic Product, or GDP (goods and services produced by a country during one year), the GDP per capita (the average amount of money that each person in a country earns in a year) or the gross national income, or GNI. MORE FROM FORBES Ready To Move To Europe? These 6 Countries Are The Best For American Expats To Enjoy Life By Cecilia Rodriguez Examining the per capita GDP of each country around the globe is a frequent parameter because it … [Read more...] about The Richest Countries In The World: Tiny Luxembourg At The Top

Huge, advertising-based, general-purpose social networks aren’t the high-growth cash cows they once were, as Facebook’s recent “growth” numbers would suggest. Many consumers, it turns out, would rather spend their time watching short-form videos than sharing memes and hitting “like” buttons. And new restrictions on user tracking have made it harder for mass-market social networks to target ads. advertisement advertisement The founders of a new social network called Niche believe the next generation of social networks might cater to online communities formed around more specific interests, such as hobbies or creator businesses . So, on the Niche app, which became available in the App Store Tuesday, you would find groups formed around rock climbing or around people who enjoy collecting Star Wars memorabilia. Eventually, Niche will host groups based on many different things, including music artists and business events. advertisement … [Read more...] about These Facebook and Tinder vets are building a Web3 social network called Niche

Share to Twitter Share to Linkedin President Biden’s recent infrastructure proposal has a $2 trillion plus price tag and he’s looking for a way to pay for at least some it. During his campaign, President Biden said he would not raise taxes on anyone earning less than $400,000 per year. Since direct tax increases on most people would break his campaign promise, Biden is looking elsewhere. One piece of his current plan is to raise the federal corporate income tax rate from 21% to 28%. While this does not directly violate his pledge, there is plenty of evidence that raising corporate income taxes affects all workers by reducing wages, slowing employment growth, and impeding innovation. Federal corporate income tax changes are relatively rare, but with 50 states there is a lot of change and variation at the state level. Rates vary from a high of 11.5% in New Jersey to a low of 2.5% in North Carolina. Economists have studied state corporate tax changes for … [Read more...] about Higher Corporate Taxes Affect Everyone

Share to Twitter Share to Linkedin After a meteoric rise during the pandemic, the buy now, pay later (BNPL) business is facing a future clouded by deteriorating economic conditions, competition from the likes of Apple and bank credit card issuers and a looming regulatory crackdown. At least, that’s the conventional wisdom. Since the federal Consumer Financial Protection Bureau (CFPB) opened an inquiry into the industry last year, regulation has generally been framed as a “ backlash ” and threat to the industry’s growth. A research note issued Sunday by Goldman Sachs analyst Michael Ng, which initiates coverage of Affirm Holdings with a neutral rating, observes that “the evolving US BNPL regulatory landscape results in the risk of potential regulation that could reduce the pace of consumer and merchant adoption.” Yet a deeper look suggests regulation could actually benefit the leaders in the American BNPL sector. While BNPL has been around in the US … [Read more...] about Why Regulation Will Help The Buy Now, Pay Later Giants