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!

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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.

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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.

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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.

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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

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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.

What happened to my stimulus money? Many who receive government benefits and others continue to wonder in early May.

Christina Bielaszka-DuVernay, editor of Harvard Management Update.

The tech luminaries on bundling and unbundling in the digital age.

Dorie Clark, a marketing strategy consultant, answers a burning question: how do people make money off of what they know? She outlines the options for experts who want to monetize their knowledge. Clark explains, using herself and other successful solopreneurs as examples, how to earn revenue from public speaking, podcasting, e-books, and online courses. She also goes over what to charge and when to get an assistant. Clark teaches at Duke University’s Fuqua School of Business and is the author of the new book “Entrepreneurial You.”

Ashley Whillans, professor at Harvard Business School, researches time-money trade-offs. She argues more people would be happier if they spent more of their hard-earned money to buy themselves out of negative experiences. Her research shows that paying to outsource housework or to enjoy a shorter commute can have an outsized impact on happiness and relationships. Whillans is the author of the HBR article “Time for Happiness.”

Reuters

• House lawmakers on Friday demanded five large, publicly traded companies return the $10 million loans they received that were meant for small businesses. 
• Only one company, MiMedx, said it would return the $10 million Paycheck Protection Program loans.
• Just 48 public companies of the 387 that received PPP loans have returned the money. 
• Visit Business Insider's homepage for more stories.

US representatives blasted five publicly traded companies for taking Paycheck Protection Program loans means for small businesses, leading at least one to return the money.

The House subcommittee on the coronavirus crisis sent letters] to MiMedx, Quantum, EVO Transportation & Energy Services, Gulf Island Fabrication, Universal Stainless, and Alloy Products on Friday demanding they return loans received from the treasury. MiMedx said late Friday it was repaying its $10 million loan.

See the rest of the story at Business Insider

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A googly that founders often face from investors is the market they address is too crowded. Now competition is a given, very much like death or taxes, and it’s often better to have competition that validates that the market exists than otherwise.