In recent years, telematics has emerged as a game-changer in the auto insurance industry, offering a new way for drivers to potentially save money on their insurance premiums. By using telematics technology to monitor driving behavior, insurers can offer personalized premiums based on how safely a person drives. This shift from traditional rating factors like … Read more
As the impact of climate change becomes increasingly evident, the need for climate insurance has risen dramatically. With natural disasters such as hurricanes, wildfires, floods, and droughts growing more frequent and severe, traditional insurance models are being challenged to adapt. Climate insurance, a specialized branch of coverage, has emerged as a crucial tool in protecting … Read more
Diversity and equity have become central to the mission of U.S. universities as they strive to create inclusive environments where all students, faculty, and staff can thrive. The concept of “inclusive excellence” has emerged as a guiding framework, emphasizing that diversity and inclusion are not just moral imperatives but also essential components of academic and … Read more
University towns, where academic institutions are closely intertwined with the local community, are distinctive ecosystems that thrive on the symbiotic relationship between campuses and their surrounding areas. In the United States, these towns are more than just homes to universities; they are vibrant hubs where education, culture, and economic activity intersect. The presence of a … Read more
University museums across the United States play a crucial role in preserving cultural heritage and advancing education. These institutions are often overlooked compared to larger, public museums, yet they serve as guardians of significant collections, cultural artifacts, and historical records. Through their unique position within academic settings, university museums contribute to cultural preservation, scholarly research, … Read more
In recent years, sustainability has become a crucial consideration for institutions across the globe. Among the most proactive in this regard are U.S. universities, many of which have integrated comprehensive environmental initiatives and cutting-edge green technologies into their campuses. These efforts not only reduce the ecological footprint of these institutions but also serve as a … Read more
Key Takeaways Tax-loss harvesting involves offsetting capital gains with capital losses so that little or no capital gains tax comes due. Investors might intentionally sell some securities at a loss to achieve this when they have significant gains. Losses can offset regular income by up to $3,000 when they exceed gains. Any losses over the … Read more
Definition and Example of Actual Cash Value Actual cash value (ACV) is how an insurance company measures a property’s worth at a given moment in time. It accounts for depreciation. You may come across the term if you make a car insurance claim, or a claim on your homeowner’s policy. Some policies use replacement cost … Read more
If you’ve ever read a report from an investment analyst, you may have seen stocks described as “overweight.” It can be a confusing term. Most people are used to seeing more simple “buy” or “sell” ratings. If an analyst rates a stock as “overweight,” they think that the stock will perform well in the future. … Read more
Key Takeaways A stock quote shows the current price of a stock based on recent activity on its exchange. It also includes a wide range of additional information to help investors judge a stock’s profit potential. Depending on where you are getting your stock quotes, prices could be delayed, which could affect your trades. Definition … Read more
