Best Homeowners Insurance Buying Guide

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Options, add-ons, and separate coverages will increase the cost of a standard policy. But they could save you a lot of money in the long run.

Keep in mind as you price shop that some carriers may include these extras in their basic coverage while others may will charge you an added premium. The National Association of Insurance Commissioners offers a homeowners insurance shopping worksheet as part of its free shopping guide to help you approximate apples-to-apples comparisons. 

Here are add-ons to consider:

• Sewer backup. This coverage would protect you if, say, a municipal line failure caused sewage to back up into your home, says Loretta Worters, a spokeswoman for the Insurance Information Institute. (Sewage backup could also be caused by tree roots growing into the sewer line.) The cost is $40 to $100 per year.

• Earthquake, hail, and windstorm. In our 2018 homeowners insurance survey, 6,940 CR

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Finance & Property Services – City of Minneapolis

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Financial Transparency Platform

The City has launched its Financial Transparency Platform – an interactive reporting tool that allows the public to explore City financial data online in various, easy-to-use graphical formats.

CITY BUDGET
2017 CLIC Report (2018-2022)
2016 CLIC Report (2017-2021)
2016 CAFR

Financial Reports

This site contains financial reports produced by the department.

Financial Reports

CLIC Members Job Description

Comprehensive Annual Financial Report (CAFR)

CAFR 

Bond Holder Information

Bond holders and others will find useful information on the financial position of the City of Minneapolis. If you are seeking investment information, please visit Digital Assurance Certification LLC (DAC), register, log in and navigate to information regarding the City of Minneapolis.

Independent Registered Municipal  Advisor Exemption

Financial Reports

Minneapolis Budget

Bond information (DAC/Secondary market disclosure – you will be leaving the City of Minneapolis Web site)

Responsible Banking

Per City Ordinance 2013-Or-082, financial institutions which participate in or desire to

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Money Flow Index (MFI) [ChartSchool]

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Introduction

The Money Flow Index (MFI) is an oscillator that uses both price and volume to measure buying and selling pressure. Created by Gene Quong and Avrum Soudack, MFI is also known as volume-weighted RSI. MFI starts with the typical price for each period. Money flow is positive when the typical price rises (buying pressure) and negative when the typical price declines (selling pressure). A ratio of positive and negative money flow is then plugged into an RSI formula to create an oscillator that moves between zero and one hundred. As a momentum oscillator tied to volume, MFI is best suited to identify reversals and price extremes with a variety of signals.

Calculation

There are several steps involved in the Money Flow Index calculation. The example below is based on a 14-period Money Flow Index, which is the default setting in SharpCharts and the setting recommended by the creators.

Typical 
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How to Write a Personal Essay: 14 Steps (with Pictures)

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About This Article

Article SummaryX

To write a personal essay, start by deciding on an experience that affected your life in some way, such as how failing a pop quiz in class made you change your goals. Next, draft an outline containing the points you want to make, and including an introduction, body paragraphs, and conclusion. When writing, start your essay with an engaging scene that introduces the characters and main theme, then develop the characters in the body section so they’re well-rounded. Conclude by summing up what you learned from the experience. For tips on how to include a plot in your essay and how

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Insurance | Wex | US Law

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Definition

A contract in which one party agrees to indemnify another against a predefined category of risks in exchange for a premium.  Depending on the contract, the insurer may promise to financially protect the insured from the loss, damage, or liability stemming from some event.  An insurance contract will almost always limit the amount of monetary protection possible.

Overview

In the absence of insurance, three possible individuals bear the burden of an economic loss; the individual suffering the loss; the individual causing the loss via negligence or unlawful conduct; or lastly, a particular party who has been allocated the burden by the legislature, such as employers under Workmen’s Compensation statutes.

While types of insurance vary widely, their primary goal is to allocate the risks of a loss from the individual to a great number of people. Each individual pays a “premium” into a pool, from which losses are paid out.

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Finance Degree: Definition, Types and Careers

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A finance degree is a type of academic degree awarded to students who have completed a formal finance-related degree program at a college, university, or business school. Degree programs in this area rarely focus on one particular area of finance. Instead, students study a range of finance-related topics, including accounting, economics, risk management, financial analysis, statistics, and taxation. 

Types of Finance Degrees

There are four basic types of finance degrees that can be earned from a college, university, or business school:

  • Associate Degree: An associate degree with a focus on finance can usually be earned in two years or less. An individual with an associate-level finance degree can often get entry-level positions at a bank or accounting firm, but may need a more advanced degree for supervisory or management positions. 
  • Bachelor Degree: A bachelor degree in finance can usually be earned in three to four years. This degree is required
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35 Real Ways to Actually Make Money Online

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How many articles are there about making money online? Thousands?  Millions? Enough? Probably. But there’s a problem. Too many of them are just sales pitches to convince you to sign up for some seminar, webinar, training session or some other way to become an online millionaire.

They really give online money making a bad name. But it is possible to make money online. I mean, the people selling all of those millionaire pitches are making money, right?

Video Summary

There are legitimate ways to make money online. The problem is that the real ways to make money aren’t “get rich quick” schemes.

Most of them require a lot of work and sometimes a lot of dedication before seeing a return on your time.  But if you really want to make money online, work from home or turn an idea into a business, you can do it. You can even earn

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Personal Effects (2009) – IMDb

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Edit

Storyline

Walter, 24, is a wrestler, competing for a spot on the national team when he learns of his sister’s brutal death. He comes home to help his mother; he works out, takes a dead-end job, and goes to the trial of the accused murderer. He becomes friends with Linda, her husband murdered; she’s raising a teen son, Clay, who’s deaf. Walter gets Clay into wrestling. He accompanies Linda to events at a center where she works. He sees her at the courthouse. They wait for verdicts. Walter’s mother takes her daughter’s things to a rummage sale. Clay has his father’s pistol. How will grief express itself?
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Plot Summary
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Taglines:

The space between loss and love.




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Did You Know?

Trivia

When the film was in the development process, Chris Evans was attached to play Walter. See more »


Goofs

Linda offers Walter

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World Nomads – Explore Your Boundaries

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Travel insurance doesn’t cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

WorldNomads.com Pty Limited (ABN 62 127 485 198 AR 343027) at Governor Macquarie Tower, Level 18, 1 Farrer Place, Sydney, NSW, 2000, Australia is an Authorised Representative of nib Travel Services (Australia) Pty Ltd (ABN 81 115 932 173 AFSL 308461) (formerly known as Cerberus Special Risks), and is underwritten in Australia by XL Insurance Company SE, Australia branch (ABN 36 083 570 441) and in New Zealand by certain underwriters at Lloyd’s. World Nomads Travel Lifestyle (Europe) Limited (CN 601852) markets and promotes travel insurance products of nib Travel Services

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Finance & Commerce

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Wells Fargo is among the top employers hiring right now in Minnesota, according to DEED Commissioner Steve Grove. (File photo: Bill Klotz)


The 152-unit Bird Town Flats apartments in Robbinsdale recently received its certificate of occupancy and has sold to a fund managed by Minneapolis-based NAI Legacy. (Submitted image: Momentum Design Group)

A new Robbinsdale apartment building that received its certificate of occupancy this week has already sold.

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In this June 11, 2019 photo, a pump jack operates in an oil field in the Permian Basin in Texas. (File photo: Jacob Ford/Odessa American via AP)

Futures in New York edged higher on Tuesday but still ended the quarter down more than 66%.

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In this Jan. 22, 2020, file photo people walk by a retail clothing store in Valley West Mall in West Des Moines, Iowa. (AP Photo/Andrew Harnik, File)

U.S. consumer confidence tumbled this month to its lowest level in nearly three years.

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In this Feb. 21, 2020 photo, a home is shown for sale in Surfside, Fla. (AP Photo/Wilfredo Lee)


This March 11, 2013, photo shows a sign protesting the Keystone XL pipeline in a field near Bradshaw, Nebraska. (AP file photo)

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