What Is a White Paper?

What is a white paper? A white paper is an information document issued by a company or non-profit organization to promote or highlight the features of a solution, product or service that it offers or plans to offer. White papers are also used as a method of presenting government policies and legislation and to gauge public opinion. Key points to …

Read More »

How the Dividend Yield and Dividend Payout Ratio Differ

When comparing the two measures of dividends, it is important to know that the dividend yield tells you what the simple rate of return is in the form of cash dividends to shareholders, but the dividend distribution rate represents the portion of a company’s net profit that is paid out in the form of dividends. Although dividend yield is the …

Read More »

USAA Home Insurance Review 2022

The benefits explained Great customer service. In addition to a 24-hour chat option, you can reach its customer service line six days a week. Home sharing coverage. If you are renting a room or an entire house, USAA offers what they call home-sharing coverage. Those who are regular house hosts might be interested in jumping on this type of insurance. …

Read More »

Vertical Bull and Bear Credit Spreads

Once the trader discovers options understands basic options buying and selling strategies (discussed in Naked call writing and Go long on calls), as well as important pricing dimensions, it’s time to move on to an intermediate level of trading knowledge. This article presents the vertical credit spread, which comes in two forms: the bull set spread and the bear call …

Read More »

USAA Life Insurance Review 2022

USAA Allianz American Fidelity life insurance Types of coverage Whole life, term life, universal life Universal life index Term life, final expenses, whole life Dividends for 2020 $42 million Not applicable Not applicable Online application Available Unavailable Available AM Highest rating A++ A+ A- Prices for temporary policies Excellent N / A Very well NAIC Complaint Index 0.22 0.31 .002 …

Read More »

Principal Life Insurance Review 2022

Principal Life is not one of our top-rated life insurance companies. You can review our list of the best life insurance companies for what we think are better options. Pros Explained Multiple permanent coverage options to choose from: Principal offers three categories of permanent coverage choose from: universal life, indexed universal life, and variable universal life. Multiple term conversion options: …

Read More »

Who Needs Life Insurance the Most?

L’avenir n’est jamais certain, même pour ceux qui se sentent au sommet de la vie. Mais s’il y a des gens qui dépendent de vos revenus et que vous n’avez pas un énorme compte bancaire à laisser derrière vous, vous voudrez peut-être réfléchir aux implications financières d’une maladie ou d’un accident soudain. Cela signifie-t-il que vous avez besoin assurance-vie? Dans …

Read More »

Klarna vs. Affirm: Which Should You Choose?

Klarna To affirm Amount due on purchase 25% As low as $0 Repayment Terms Pay 25% every 2 weeks Varies by loan type Interest None if paid on time 0% or 10% to 30% Credit check required Flexible credit check Varies by loan type Late fee $7 None Popular brands available Tommy Hilfiger, Bed Bath & Beyond, Sephora, Nike Platoon, …

Read More »

Net Leverage (Insurance) Definition

What is net (insurance) leverage? Net leverage is the sum of an insurance company’s net indebtedness written premiums report and sound net liability ratio. Net leverage is used to determine an insurer’s degree of exposure to errors in pricing and loss estimation. It is used as an indicator of the financial health of the insurance company. Key points to remember …

Read More »