Clark Howard tells Jennie Garlington about one of his favorite energy-saving devices

A study from UC Berkeley reveals that information stimulates our dopamine-producing reward system — just like food and money.

Rising health insurance costs have many people worried about the financial impact on the family budget.

The Crescent Corridor: Fuel and Money Savings State-by-State

Appliances -- also known as energy vampires -- keep drawing power even when they're off.

Guilt? Greenwashing? Or a boost to the bottom line? New research aims to quantify the motivations behind corporate social responsibility.

The FCA has asked up to 300 firms to provide financial information on client money, staff furlough, debt and cash.

The question I am asked the most is, How can I create additional income streams if I don't have any money to get started? This article is going to teach you exactly that - how to create additional income streams using the Internet - without requiring any money to get started...

Make money off your website through using affiliate marketing. It's free and generates much more money than selling traditional advertising space.

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If you are on the market for a new home, you may want to look into buying a home with no money down, otherwise known as 100% financing.

Pet insurance won't cover your pet for elective or routine treatments so what does it insure, what sorts of plan are available and what do they cost? This article is an informative read before you buy!

HOW Invest smart money; either a few thousand dollars or resell and make a lot money, no money down, shares for free. Does that sound interesting? You cant get something for nothing, your time for free shares. Or a direct investment. Great opportunity.

Compares the Pros & Cons of both Name Brand Power Tools and Non-Name Brand Power Tools and then explains what brand would be best for you.

What is your attitude towards having wealth? Do you believe it is possible to have anything that you want? Or do you believe that wealth and prosperity are reserved only for those other "lucky" people in this world? Your inner belief systems may be stopping you from having the life you want.

Link management strategies play a large part in increasing visibility on the web. Many people aren't actively involved in link management and are therefore losing money because their traffic is less than it could be. This short article discusses link management and why you should do it.

SEO Elite claims that it can help you with search engine optimization in such a way as to increase your site's visibility in the major search engines. Is this a useful product, or just another scam designed to take your money?

A holiday does not have to cost you an arm and a leg if you know how to look for and take full advantage of the many exciting money saving offers that are available to you throughout the internet.

If you are a business and expect to be taken seriously on the Internet, you need to shape up and project a professional image.

By definition, barter is when parties swap services or resources. But in business terms, it's an exchange that ends usually with everyone a winner. All parties involved in bartering hold onto their cold hard cash and don't lose a cent. There's no worries about getting ripped off as a buyer or seller, so it's an exchange that's high on trust, low on tension. And finally, the government doesn't get its hands on any of the proceeds. Bartering is such a great system, it's no wonder it's been around nearly forever.

Revisit the type of Acne treatment remedies, which will help you fight acne naturally by avoiding your pores to get clogged.

Have you ever thought that the blog could make money for you? We would look here in this article, ways and means, to make money blogging. You'll discover the Top 5 ways to make money blogging.

Do you work at 9 to 5 job seven days a week? If so, you are probably tied up during the week. In other words, you do not have a lot of time to chase after other money making ventures. But what about on the weekends?

You can start to make money by licensing your music to film and TV. You just need to know who to talk to and how to find them!

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Got a digital camera? Now you can earn money selling your pictures on the Internet! Practical how-to tips to increase your monthly income by selling your pictures to online stock photography agencies.

It's a crying shame really. So many people have tried to follow the Internet dream. They've heard the stories of others who quit their day jobs, wake up whenever they choose, take leisurely lunches with friends, shop for hours on end without one worry about how to pay for their purchases, buy new cars and pay cash for them, and make money hand over fist while they sleep.

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People are all ages are looking to make extra money. Whether you are planning to supplement your current income or looking to replace an income totally, consider using a hobby like embroidery to make some fast cash. Embroidered items are always popular with all types of shoppers, and you can easily begin an embroidery company with a low overhead for those short of start up funds.

As a business owner, you've come to expect big increases in your employee health insurance premiums of late. Employer-sponsored health insurance premiums increased an average of 11.2 percent in 2004, and this was the fourth consecutive year of double-digit growth, according to the recent Annual Employer Health Benefits Survey released by the Kaiser Family Foundation.

A brilliant idea I ran across the other day meant I could get a large cash sum in about 3 days.

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Luxury boutique brand management firm, Phase Global Management, announces the acquisition of major event with a full-service sports agency, Young Money APAA Sports

BookYourHunt.com, the online marketplace for hunts, creates perhaps the most convenient way to offer or find access to hunting land, hunting leases, or landowner's tags.

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Homeowners can extend the lifespan, prevent costly repairs and improve energy efficiency of their air conditioners with frequent, preventative maintenance.

Dining and Travel Rewards Brand Seeks to Generate 600,000 Meals* for Those in Need

Robin G. Coles Teaches the Art of Writing Impactful Technical Content for Software Engineers

Book becomes #1 Best Seller in 4 categories on Amazon

This Most Recent Scam is the Newest in Line of IRS Scamming!

Money Mentors is a six-year Consumer Choice Award winner in Alberta. The company has been in business since 1997, and is Alberta's leader in Debt and Credit Counselling Services

Life carriers are being forced by the market to go with non-medical life plans and not a minute too soon.

This book will show you how to use the FREE tools to trade any stock market in the world: North and South America, Europe, Asia/Pacific, Africa, Middle East, & India. The tactics shown can be directly applied to stock trading, starting tomorrow.

MATH NATION, a leading provider of high school math tutorials, releases 6-8 Mathematics program just in time for back to school.

We compiled what we think are four extremely important tips that should help you save money on those costly repairs.

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Biopharma shares have outperformed the broader market year-to-date, giving rise to apprehension over whether a pullback is in the offing. An analyst at BofA Securities said Friday that now is the time to go from defensive to offensive in the sector, as quarantines are winding down in several parts of the globe.The Biopharma Analyst Analyst Geoff Meacham shortlisted Eli Lilly And Co (NYSE: LLY), Vertex Pharmaceuticals Incorporated (NASDAQ: VRTX), Bristol-Myers Squibb Co (NYSE: BMY), BioMarin Pharmaceutical Inc. (NASDAQ: BMRN) and Amgen, Inc. (NASDAQ: AMGN) as biopharma stocks where he would put his money to work.The analyst has the following ratings and price targets for the shares: * Lilly: Buy/$165 * Vertex: Buy/$300 * Bristol-Myers Squibb: Buy/raised the price target from $75 to $80 * BioMarin: Buy/lifted price target from $110 to $120 * Amgen: Buy/price target increased from $265 to $2755 Reasons For BofA's Bullish Disposition BofA is increasingly bullish on the biopharma group due to the following factors, Meacham said: * Expectations for robust revenue growth of 6% in the second half of 2020 compared to the first-half, which is double that of the S&P 500's revenue growth. * Reasonable price-earnings for the stocks in the sector. * Many value-creating events lined up for the second half. * Lower policy risk stemming from goodwill earned from the COVID-19 pipeline. * A consistently positive FDA backdrop.Q1 Earnings Get 'A' Grade All of the big biotechs and major pharma companies reported both revenue and adjusted EPS beats in the first quarter, with Lilly and Vertex even raising some parts of their 2020 guidance, Meacham said.Citing slower new starts and forex headwinds, Bristol-Myers Squibb and BioMarin lowered their 2020 revenue guidance, but maintained their EPS guidance, the analyst said. Meacham expressed surprise at Merck & Co., Inc. (NYSE: MRK) and Alexion Pharmaceuticals, Inc. (NASDAQ: ALXN) lowering their 2020 revenue and adjusted EPS guidance, given his belief that oncology or orphan diseases wouldn't be as sensitive to COVID-19 disruption.See also: Attention Biotech Investors: Mark Your Calendar For These May PDUFA Dates Lilly One of The Higher Quality Stocks In BofA's Coverage Lilly is a source of differentiated growth given its early product cycle and diversified base business, including diabetes, immunology and immunotoxicology and migraine, and an advancing late-stage pipeline of potentially best-in-class or first-in-class therapies, Meacham said.The analyst said he likes Lily's potential for additional earnings growth in 2020-2021 and views Lilly as one of the higher quality stocks in his coverage despite its higher valuation. The prospects for 2021 look attractive, with selpercatinib potentially launching in non-small cell lung cancer and thyroid cancer by year's end, and tirzepatide approval in 2021 representing a "step change" for the diabetes franchise, he said. Consensus For Vertex To Move Higher? Vertex has a richer -- though well-deserved -- valuation, due to its differentiated growth profile, Meacham said.Given that Vertex's commercial execution is largely unaffected by the COVID-19 pandemic, the analyst said investors will begin to look forward to 2021 sooner than for other companies with more commercial risk.BofA expects consensus estimates to continue to move higher, making Vertex's valuation even more attractive.Bristol-Myers Has Highly Differentiated Growth With an estimated 8% revenue growth and 19% EPS growth in 2021 compared to 5-6% and 12%, respectively, for peers, and with six new launches expected this year, 2020 is shaping up to be a very robust period for Bristol-Myers despite the ongoing COVID-19 headwinds, Meacham said. The analyst said the company's growth looks highly differentiated.An increasingly diversified product mix and beatable launch expectations position the company for meaningful upside to consolidated P&L, with improving synergies, he said. BioMarin's 'Game-Changing' Late-Stage Pipeline BioMarin's late-stage pipeline in valrox and vosoritide have improved its growth outlook, Meacham said.The analyst termed the company's late-stage pipeline as "game-changing." The second-half launch of Roctavian is the most important catalyst for the company this year, with the product likely to accelerate the company's already above-average growth profile, he said. "We see BioMarin as one of the higher quality names in our coverage universe given its clean growth story and it remains our SMid cap top pick." Amgen Looks To New Product Growth To Compensate For Legacy Product Erosion The long-term outlook for Amgen's Otezla is improving given the recently announced Phase 3 data for mild-to-moderate psoriasis, Meacham said.The company rapidly refocused its story from legacy product erosion to new product growth with the acquisition of Otezla from the Bristol/Celgene deal, the analyst said. "Since then Amgen's growth profile has only improved, led by an expanded addressable market for Otezla, outperforming Amgen Biosimilars and Evenity franchises, aggressive formulary negotiation for Aimovig, and an exciting pipeline in AMG 510 and tezepelumab looking to contribute as soon as 2021." The Price Action The iShares NASDAQ Biotechnology Index (NASDAQ: IBB) was last seen trading up 1.25% to 128.76, adding to its 5.6% year-to-date gain. Related Link: The Week Ahead In Biotech: Smid-Cap Earnings News Flow Picks Up Pace See more from Benzinga * The Daily Biotech Pulse: Ayala IPO, Pluristem Starts Phase 2 Trial Of COVID Treatment, European Nod For Takeda * The Daily Biotech Pulse: FDA Approves Novartis Lung Cancer Drug, 2-Way Contest Emerging For Tetraphase Pharma, Dexcom To Join S&P 500 * The Daily Biotech Pulse: FDA Nod For AstraZeneca, AbbVie-Allergan Deal Clears Antitrust Hurdle(C) 2020 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.