Practical guidance for choosing dental insurance: plan types (DHMO, DPPO, indemnity, discount), what coverage usually includes, and tips for families, employers, Medicare and Medicaid considerations.
Dental coverage in Ohio varies widely. Focus on network access, covered services, waiting periods, and annual limits - read plan documents and confirm your dentist is in-network.
Dental malpractice insurance remains essential in 2025. Understand claims-made vs. occurrence policies, tail coverage, limits, and how carrier stability and your scope of practice affect premiums.
Stocks represent company ownership and potential dividends; bonds are loans that promise repayment of principal and interest. Both serve different roles in portfolios and markets.
Penny stocks - generally securities trading under $5 - are low-priced, often OTC-traded shares with high volatility, limited disclosure, and elevated risk. Use limit orders, small position sizes, and thorough research if you decide to trade them.
After an auto crash, act quickly: secure safety and medical care, document the scene, file a police report, notify insurers, and keep thorough records. Digital evidence and telematics now play a larger role; consult a lawyer for serious injury or disputed fault.
Day trading has no secret formulas. Success rests on a simple, repeatable system, disciplined risk management, and emotional control - plus awareness of modern execution, fees, and broker rules.
Understand common broker misconduct - unsuitability, overconcentration, churning, unauthorized trades, and misrepresentation - how the regulatory landscape has changed since 2020, how to spot red flags, and practical steps to report and seek recovery.
If you remember Waterhouse, the core broker choices still matter. This update explains modern platforms, zero-commission trends, account types, security, and how to confirm what happened to the Waterhouse brand.