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The 8 Best Health Insurance Companies to Use in 2019 We are committed to researching, testing, and recommending the best products. We may receive commissions from purchases made after visiting links within our content. Learn more about our review process. Trying to find the best health insurance can be a confusing process. There are several criteria to keep in mind when you make your decision including financial strength, customer service ratings, claims service, plan prices, policy offerings, coverage benefits, and provider choices. There is no one “best” health insurance company, but the best one for you will depend on the type of health insurance you need, your budget, and what is available in your area. Many health insurers offer the option of a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) Plan. An HMO has its own network of doctors who have an agreed-upon price for the health care services they provide, while a PPO is made up of pre-approved physi

The aging of the Baby Boomer generation means that their children and grandchildren who are currently Gen Xers or Millennials. Some estimate this coming transfer of wealth to be in the $30 trillion range. If you are a financial advisor working with clients who suddenly come into a significant inheritance, how do you help them invest this money to ensure they have a solid retirement nest egg? Take Time to Plan Those inheriting a significant sum of money should take a step back and come up with a plan for the money. As their financial advisor, you need to ensure that clients don’t rush into doing something ill-advised with this new found wealth. Does the client have debts to pay off? Are they on track with their savings for retirement and other life events such as college for their kids? This is the time to do a financial plan with the client to determine what their priorities are and how this money fits. Retirement should be a priority for most clients. Given increasing longevity and th

There are several key differences between how men and women invest, according to a new white paper published by Spectrem Group, High Net Worth Men vs. Women. This paper examines the different approaches taken by each gender when it comes to handling money and investments. The paper is based upon data culled from 1,875 high net worth males and 1,277 high net worth females across the U.S., and it uncovered four main differences between how men and women dealt with their assets. Read on for how they differ—the insights can shed some light on how financial advisors can target their services toward one gender vs. another. 1. Women tend to be more conservative. While both genders indicated that they would be focusing their short-term money in stocks or stock mutual funds over the coming year, men focused on this more heavily than women. Almost half of all of the men surveyed said that they would be focusing on equities during the coming year, while only about a third of the women who were po

If you don’t think that money can be a stumbling block on the quest for true love, maybe you just haven’t watched enough romantic comedies. From the 1930s to the present, rom-coms are chock full of marrying for money (or breaking up based on the lack of it), lavish expenditures, bankruptcies, rich fathers, maxed out credit cards and — lately — student loans and post-Recession economic woes. Just as in the movies, it doesn’t seem to matter whether the stress in your relationship comes from having too much money or not having enough. In fact, according to a 2015 survey by SunTrust bank, nearly half of couples — regardless of income — reported that their spending habits were different from their partner’s. That discrepancy may understandably cause relationship stress. Over a third of survey respondents claimed that money was at the root of their problems. That gives financial advisors a front-row seat on couples’ money drama: from clashing expectations and different values to circumstance

Asia accounted for more than 9.2% of the world's oil production in 2014. The region was led by China and India, the world's fourth and 20th biggest oil-producing nations, respectively. In recent years, Asia's share of world oil production has been on a slow but regular decline. This is primarily a consequence of flat regional oil production during a period of rising overall global output. In the five years from 2010 to 2014, Asian oil output rose slightly from about 8.5 million barrels per day in 2010 to just over 8.6 million barrels per day in 2014. During the same period, world oil production grew more than 5%, from about 88.1 million barrels per day to about 93.1 million barrels per day. While a number of countries in the region have discovered large new reserves, others face declining production from aging oil fields. Consequently, analysts expect recent production trends to continue for the region as a whole. 1. China China is the biggest oil producer in the region by

The African continent is home to five of the top 30 oil-producing countries in the world. It accounted for more than 8.7 million barrels per day in 2014, which is about 9.4% of world output for the year. This level of production is down somewhat from the heights of 2005 to 2010 when African production topped 10 million barrels per day, including a high of nearly 10.7 million barrels per day in 2010. As of 2015, declines are due mostly to political and civil instability and violence in many of Africa's biggest oil-producing countries. 1. Nigeria Nigeria produced more than 2.4 million barrels of oil per day in 2014 to rank as the 13th-largest oil producer in the world. The country has produced between 2.1 million and about 2.6 million barrels per day for the last 18 years. Fluctuations in annual oil production, especially since 2005, can be attributed largely to security problems connected to violent militant groups in the country. While Nigeria is home to the second-largest proven o

The Biggest Oil Producers in the Middle East The Middle East was responsible for producing nearly 27.9 million barrels of oil per day in 2014, about 30% of world production. The region includes four of the top eight oil-producing countries in the world and six of the top 14. Most oil production in the Middle East is dominated by state-owned enterprises. However, many international oil companies engage in oil production and related activities across the region through joint ventures, production-sharing agreements and other business models. 1. Saudi Arabia Saudi Arabia produced more than 11.6 million barrels of oil per day in 2014, nearly 12.5% of world output or about one out of every eight barrels. The country ranked as the world's biggest oil producer in the decade from 2003 to 2012, after which it fell to second place due to surging oil production in the United States. Saudi Arabia remains the world's largest petroleum exporter. With proven oil reserves of about 266 billion b