Quiz: What’s one advantage the president has that the market does not?

Answer: He can get a doctor’s note telling you everything is wonderful. 

But investors? They’re left on their own, left trying to forecast when a stimulus bill will land, left watching every vaccine trial to spot a winner, left waiting up at night for earnings reports, and left tracking technical indicators for clues about what’s churning underneath the surface. 

Fortunately, investors do, however, have experts who can guide them. Helping us get through this messy, mucky October are Real Money and Real Money Pro writers Jim Cramer, Paul Price, Maleeha Bengali, Alex Frew McMillan, and Jim Collins.

Jim Cramer: Let’s Beat Covid-19

Cramer lays out what is happening right now to get the pandemic under control and what it will look like not that long from now — even before a vaccine is available.

Here’s the tests and therapies that Cramer contends will change the channel on the Covid outlook.

Price: Give Stocks a Second Chance 

Few stocks go up in straight-line moves. Instead, writes Price, most tend to spurt higher, tail off, then rise again. While the interim selloffs often shake out traders who mainly trade on momentum, plus those who fail to understand the companies’ true worth, there’s still opportunity awaiting for those willing to give second chances.

See how Price would play a select group of stocks — even following their earlier rebounds from March’s lows.

Jim Collins: There’s Trouble in Bubbleland 

We are in the midst of a unprecedented financial bubble, writes Collins. Will a recovery from the Covid-19 lockdowns ease the bubble before it bursts in our faces?

Read why Collins isn’t holding his breath, and how the situation could play out for insurers and others. 

Bengali: It’s Value Vs. Growth. Pick One.

  • Many firms have noted double-digit increases in the number of life insurance policies they’ve sold during the Covid-19 pandemic relative to last year. 
  • The increase is largely due to a fear of death and greater awareness of financial risks associated with mortality, experts said.
  • Insurance sales have been dwindling for years. In 2020, just over half of American adults reported having a life insurance policy, down from 63% a decade earlier.





© Provided by CNBC


Life insurance is enjoying something of a renaissance as a result of the coronavirus pandemic.

Consumers, especially younger adults, have been buying insurance in elevated numbers since the spring, when thousands of Americans began getting ill and dying from Covid-19.

That result is logical, experts said, given the core use of life insurance: as a financial backstop in the event of death.

More from Smart Tax Planning:

12 million people asked the IRS for more time to fileGot a subsidy to buy health insurance? It could bite you at tax time

Closing a business? Avoid these tax surprises

For example, what if the breadwinner of a family dies unexpectedly from Covid-19? Insurance is meant to plug that immediate gap in household income.

“It’s forced the idea of financial protection and mortality to the top of mind for consumers in a way very few events have,” said Jennifer Fitzgerald, the CEO and co-founder of Policygenius, an online marketplace for life insurance.

‘Panic buying’

Insurance sales have been dwindling for years. In 2020, just over half of American adults reported having a life insurance policy, down from 63% a decade earlier.

But Google Search traffic for “life insurance” jumped 50% between March and May this year compared with the same period in 2019, said Fitzgerald, whose firm gets a large share of business from such internet

Surprised Black girl holding teddy bear toy on Christmas
‘Create a gift giving culture that allows you to spend less on each other, yet still appreciate the thought and effort put into getting the gifts,’ say moeny saving experts. Photo: Getty

Christmas can be an expensive time of the year, with the cost of food, drink, and presents mounting up — especially for those who may have lost their jobs or are financially struggling due to the coronavirus pandemic.

The money saving experts at online price tracking website Alertr.co.uk have compiled a list of tips to help you save money and get ready for Christmas without a lasting impact on your savings.

Start prepping early in the year

Starting to get prepared earlier on in the year allows you to slowly get all the things you need for Christmas without feeling such a big effect on your monthly income.

Putting a small amount of money towards Christmas plans each month means you can get prepared without eating into your savings or finding yourself short at the end of the month.

Don’t go overboard on presents

You can still experience the joy of giving without spending huge sums on the latest game console or smartphone. “Create a gift giving culture that allows you to spend less on each other, yet still appreciate the thought and effort put into getting the gifts,” say the experts at Alertr.

Try making homemade gifts, upcycling or putting a cap on how much each family member spends on presents.

Make a budget

“Set out a certain amount to spend on each of your friends and family members and try not to exceed that limit,” say Alertr’s money saving experts.

READ MORE: Early Christmas shopping boosts UK retailers

“Setting a budget could help you can work out earlier in the year what impact Christmas is going

MCLEAN, Va., Oct. 14, 2020 /PRNewswire/ — Dovel Technologies announced today that Ace Info Solutions, LLC (AceInfo) has been awarded a Task Order from the U.S. Department of Agriculture (USDA), Farm Production and Conservation (FPAC) Risk Management Agency (RMA) for Crop Insurance Software Development Delivery Services. The RMA’s mission is to serve America’s agricultural producers through effective, market-based risk management tools and solutions to strengthen the economic stability of agricultural producers and rural communities. In 2019, RMA managed nearly $115 billion worth of insurance liability.

(PRNewsfoto/Dovel Technologies)

The USDA Crop Insurance Software Delivery Support Services task order, awarded through the USDA FS DAITSS BPA contract vehicle, has a base year plus three option years and an estimated value of $59M. Under this Task Order, AceInfo will provide a full range of software development services to support the development and delivery of new crop insurance products, sustain and modernize current applications and tools in production, as well as innovate, design, deploy, develop, and maintain new IT systems.

“AceInfo stands ready to collaborate with RMA on solutions that make the delivery of new insurance products and services more efficient for both the agency and the farmers it serves,” said Mike Cosgrave, AceInfo COO. “We look forward to applying innovative development methodologies and delivering modernized solutions to enhance this important program.”

Together, Dovel and AceInfo’s approach to technology solution development is fueled by an innovation-focused culture and entrepreneurial DNA that accelerates agency missions and contributes to improving, protecting, and saving lives. As a result, government customers can optimize operational outcomes, strengthen IT capabilities, and implement best practices for highly complex and critical programs.

“Our team is excited to support USDA FPAC’s efforts to meet the needs of our nation’s agricultural producers,” said Damon Griggs, Dovel CEO. “Our long-standing history with

Economical Insurance has selected Docebo (TSX: DCBO), a leading artificial intelligence (AI)-powered learning platform, to enhance and personalize learning experiences for employees and broker partners. Docebo was chosen to help Economical modernize traditional insurance company training through cutting-edge learning experience technology.

Economical Insurance is a rapidly evolving Canadian insurer. After nearly 150 years in business, they are now on the path to becoming a public company. Docebo offers Economical a modern, learner-centric platform to support their rapid growth and learning culture. Economical Insurance has been transforming its business model to keep pace with evolving customer expectations.

“This is such a dynamic time for Economical on so many fronts, and our ability to attract and develop some of the best talent in our industry is a top priority,” said Brigid Pelino, SVP and Chief Human Resources Officer, Economical Insurance. “With Docebo, we continue our focus on operational efficiency knowing that our new, innovative learning infrastructure will support our employees and valued broker partners with better access to timely information and critical skills to meet their development needs and further our business integrity and capabilities.”

“We are honoured to have been selected by Economical Insurance to support the transformation of their business model through their learners’ experience,” said Alessio Artuffo, CRO, Docebo. “By providing a modern, learner-centric platform, Economical Insurance has innovation and personalization at the forefront of their learning experience.”

About Docebo

Docebo is redefining the way enterprises learn by applying new technologies to the traditional corporate learning management system market. Docebo provides an easy-to-use, highly configurable learning platform with the end-to-end capabilities designed to make customers, partners, and employees love their learning experience.

About Economical Insurance

Economical Mutual Insurance Company (“Economical” or “Economical Insurance”, which includes its subsidiaries where the context so requires) is a leading property and