Top 10 Penny Stocks in 2024 Penny stocks are typically associated with companies that have small market capitalizations, limited liquidity, and higher volatility. It's essential to conduct thorough research and consider consulting with a financial advisor before investing in penny stocks. Additionally, the performance of penny stocks can fluctuate significantly, and what may seem like a promising investment today could become highly volatile or even worthless in the future. That said, I can provide a list of penny stocks that have shown potential in 2024 based on various factors such as market trends, industry performance, and company developments. However, please remember that investing in penny stocks carries inherent risks, and these suggestions should not be considered as financial advice. What are Penny Stocks? Penny stocks, typically defined as stocks trading at a low price per share, often garner attention from investors seeking high-risk, high-reward opportunities. ...
Know more about the Term Life Insurance Rates More You have Save
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| Term Life Insurance |
Today If you’re in the market for a Term Life Insurance Policy, here are a few money-saving tips to help you keep the premiums down.
1. Buy when you are young healthy:
Life insurance rates, although they contain fees, and a myriad of expenses is primarily based upon the statistical chances of a person dying in a given year. Insurance companies use their own experience plus the statistical information collected by the government. The statistics are used to calculate the yearly ‘cost of death’ for each $1,000 of life insurance benefit. As people grow older, the chances of dying increase. At first, the increase is slow up until middle age, and then the chance of death increases more rapidly. As the chance of death rises, so do the premiums.
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| Save Life More Money |
2. Quit smoking:
Smokers’ premiums are nearly three times as expensive as non-smokers. Staying away from cigarettes a week or two before your company physical won’t do. Urine tests will detect traces of nicotine (yep, this means chewing tobacco too). Most companies require you to be smoke-free for a minimum of one year. Some companies require two years.
3. Lose Of weight:
Companies don’t charge by the pound, but you may be charged more if your weight exceeds a certain level.
4. Always Buy Direct:
The internet has made it easy to shop around for life insurance policies directly. By eliminating the middle person, you save on salespersons commissions which are built into the policy premium.
Family Life Protections
5. Healthy people No need ‘Guaranteed issue’ policies:
People with medical conditions may want to purchase guaranteed issue policies. These policies do not require a medical exam and tend to have higher premiums. The company is taking more of a risk because they don’t know your true medical condition. However, if you are healthy, take the exam. It will prove that you are a good risk and your rates will be lower.
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