5 things you may not know about personal insurance in 2020

Laveta Brigham


a group of people posing for the camera: Life insurance from FWD, NTUC Income, critical illness changes, payment deferment from Life Insurance Association are some new changes in 2020

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Life insurance from FWD, NTUC Income, critical illness changes, payment deferment from Life Insurance Association are some new changes in 2020

Insurance has become more important than ever these days, in light of the Covid-19 pandemic, global economic doom and gloom, and all the bad things that have happened in 2020, sending people scrambling to find some measure of protection.

Insurance policies with lower premiums and shorter terms, as well as investment-linked policies, saw increased demand this year as consumers sought more affordable coverage. Some companies such as AIA, DBS, Great Eastern and HSBC also started offering free Covid-19 coverage for a limited period of time, while others introduced or added dengue coverage to their offerings.

More recently, local insurer Singlife also announced plans to merge with Aviva Singapore — a move that will make them one of the largest insurance companies in South-east Asia

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Why Cincinnati business leaders are working to attract more minority entrepreneurs to the Tri-State

Laveta Brigham

The protests have quieted down here in the Tri-State, but the calls for racial equality and justice are still loud and clear. WCPO will examine where the movement goes from here in “From Protests to Solutions – The Movement for Change,” airing at 7:30 tonight on WCPO and wherever you stream WCPO 9.

CINCINNATI — Joe Vazquez started his construction company in 2008 — hundreds of thousands of dollars in debt but convinced his background as a CPA would help him succeed in business during an economic downturn.

Now, with close to 100 employees and nearly $50 million in annual revenue, Vazquez is looking to grow Vazquez Commercial Contracting, LLC to $250 million in revenue within the next seven years.

He expects much of that growth to occur more than 500 miles away from his company’s Kansas City headquarters — right here in Greater Cincinnati.

“I see Cincinnati being bigger

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Why breaking your mortgage early for lower rates won’t save you money

Laveta Brigham

A growing number of homeowners are asking about breaking mortgage early for lower rates (Getty Images)
A growing number of homeowners are asking about breaking mortgage early for lower rates (Getty Images)

Record low mortgage rates might make breaking your term early seem enticing, but the penalty costs will wipe out the potential savings.

Variable mortgage rates have fallen over the course of the COVID-19 pandemic, following a string of interest rate cuts by the Bank of Canada. Fixed rates are also lower because of market forces pushing bond yields lower. 

According to Ratehub, mortgage shoppers will find better deals on 5-year variable mortgages at around 1.6 per cent, compared to around 1.64 per cent for fixed. 

Unless you are able to renew your mortgage at more favourable rates, current homeowners are locked out of the potential savings. That leaves breaking your mortgage early.

Online mortgage agency Nesto says there’s been an increased interest in breaking early in 2020, especially in August.

“Before the pandemic, most

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Restaurants brace for long COVID-19 winter

Laveta Brigham

Restaurant groups are scrambling to secure funds to help an already hard-hit industry make the transition from summer to winter, when outdoor seating that helped many owners stay afloat during the pandemic will become much harder if not impossible to continue offering.

Many cities have become accommodating by making more sidewalk and street space available for bars and restaurants during the warmer months, but that may not be enough to attract customers as temperatures drop.

One in six restaurants have closed since the coronavirus took hold, and many fear that the next six months will be too much for small-business owners in colder climates.

Seventy-seven percent of full-service restaurant operators said they would likely take advantage of incentives, like a tax credit, to help them purchase tents and patio heaters, among other equipment, to extend the outdoor dining season, according to the National Restaurant Association.

“Congress is about to leave

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Nutraceuticals Market Trends, Development, Revenue, Demand and Forecast to 2026 | Says MarketReportsWorld.com

Laveta Brigham

The MarketWatch News Department was not involved in the creation of this content.

Sep 29, 2020 (The Expresswire) —
The globalnutraceuticals marketsize is predicted to reach USD 486.36 billion by 2026, exhibiting a CGAR of 8.14% during the forecast period. The growing demand for functional food and beverage will create new opportunities for the nutraceuticals market growth during the forecast period. The surge in product development and innovation activities and rising availability of nutraceutical products will augur well for the market. In addition, the increasing adoption of unique marketing strategies by key players will enable healthy growth of the market in the forthcoming years.

According to the published report, by Fortune Business Insights, titled“Nutraceuticals Market Size, Share and Industry Analysis, By Product Type (Functional Foods, Functional Beverages, and Dietary Supplements), Distribution Channel (Supermarkets/ Hypermarkets, Convenience Stores, Online Retail and Others), and Regional Forecast, 2019 2026”the market size stood at USD

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Middle East and North Africa Digital Payments Market Latest Advancements, Trends and Huge Business Opportunities 2020 to 2025

Laveta Brigham

The MarketWatch News Department was not involved in the creation of this content.

Sep 29, 2020 (Market Insight Reports) —
The Middle East and North Africa Digital Payments Market report is a compilation of first-hand information, qualitative and quantitative assessment by industry analysts, inputs from industry experts and industry participants across the value chain. The report provides an in-depth analysis of parent market trends, macro-economic indicators and governing factors along with market attractiveness as per segments. The report also maps the qualitative impact of various market factors on market segments and geographies. We analyzed the impact of COVID-19 (Corona Virus) on the product industry chain based on the upstream and downstream markets, on various regions and major countries and on the future development of the industry are pointed out.

The Middle East & North Africa Digital Payments Market is expected to CAGR of 6.5% over the forecast period 2020 –

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Can I cancel my holiday if I have to quarantine?

Laveta Brigham

Holidays may be back on the table but the number of countries that travellers can visit without needing to quarantine on return is dwindling –  the Government’s blacklist grows with each passing week.

Many who booked holidays before coronavirus spread around the world will be anxious about exposing themselves to the risk of catching the disease.

Others who may have been willing to take the risk may also be unable to self-isolate for 14 days when they get back home. 

But big trips are often booked months in advance and many will have bought tickets before the pandemic hit.

However, scheduled flights are still going ahead, meaning those unable or unwilling to travel are not automatically entitled to a refund, and hotels will argue that they are still open for business.

This leaves consumers stuck, with many unsure over what their rights are to refunds, compensation and claims from travel

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How to make enough money to retire in the next 5 years

Laveta Brigham

I’ve worked in finance and spent years learning about assets — particularly digital assets. People ask me via social media how I made enough money to face retirement in the next five years.

They seem to think I have many secrets about how to make enough money to retire that can change their life. Here’s how I did it.

1. Invest your money rather than save.

Saving your money is stupid. Inflation will eat away at your money. You make money when you invest what you have in real assets.

2. Understand the idea of purchasing power.

Governments print money to fight recessions and fund wars. When they do, they take away the purchasing power of the money you have earned. The only way to repay the huge debt the US Government has racked up is by either: 1) Raising taxes 2) Printing money out of thin air.

Increasing taxes

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Trump, Biden set for high-stakes showdown

Laveta Brigham


Washington is bracing for an extraordinarily ugly and personal debate Tuesday night between President TrumpDonald John TrumpCensus Bureau intends to wrap up count on Oct. 5 despite judge’s order Top House Republican calls for probe of source of NYT Trump tax documents New Yorkers report receiving ballots with wrong name, voter addresses MORE and Democratic presidential nominee Joe BidenJoe BidenTop House Republican calls for probe of source of NYT Trump tax documents Judge’s ruling creates fresh hurdle for Trump’s TikTok ban Harris says she hasn’t ‘made a plan one way or another’ on meeting Supreme Court nominee MORE, where nothing will be off limits as Trump seeks to make up ground in a race that appears to be slipping away.

The candidates, both in their 70s, are expected to attack one another over their age, mental acuity and fitness for office. Trump has questioned whether Biden has

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Why Selecting The Right Chairs And Tables For Your Brand Is A Big Deal

Laveta Brigham

Founder of Sergio Mannino Studio, a leading Architectural Branding Agency that operates internationally.

They say people have already formed an opinion of you within seven seconds of first meeting you. They look at your clothes, your hair, maybe your watch or your shoes, all in the span of just a few seconds. So without having to say much more than a word or two, these strangers have already crafted a full story of who you are in their minds.

Well, the same applies to your business. Your logo, the colors you have picked for your website or letterheads, your app and your business cards all tell consumers who your company is and what it stands for. Once again, this all happens within a matter of seconds.

This makes your business space (online or physical) incredibly important. Just like how people will immediately begin to judge your outfit, consumers

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