Finance

Jan 14 2020

Best healthcare stocks 2019




Best healthcare stocks 2019-Best healthcare stocks 2019
Best healthcare stocks 2019-Best healthcare stocks 2019 Let me ask you a few questions… Are you having trouble saving money? Do you wish personal finance could be easier? Do you cry when looking at your



Best healthcare stocks 2019

Let me ask you a few questions…

  • Are you having trouble saving money?
  • Do you wish personal finance could be easier?
  • Do you cry when looking at your bank account?

Everyone wishes they could save more and spend less.

However, few people accomplish this goal. Why?

The most common problem is that:

  1. You have no clue how much you are spending; and
  2. You have no clue where your money is going.

According to the Center for Financial Services Innovation…

…about half of Americans spend as much or MORE than they are currently earning.

This type of financial stress is dangerous.

In fact, poor financial health can lead to poor mental and physical health.

And who has time to pay bills or purposely save money, anyway?

Here is where financial automation can save your [financial] life.

Financial Automation

Remember the days of balancing checkbooks and paying for things in cash?

Don’t you miss those days?

Of course you don’t miss those days…

…because things are so much easier these days!

Financial automation is a beautiful thing because you can avoid sacrificing your limited brainpower on these menial tasks.

You can use this tool to do these tasks for you.

However, automation can be a blessing and a curse.

On the one hand, you save time paying bills with autopay.

On the other hand, you can completely forget about autopay.

  • The gym membership that you never use.
  • The Audible credits that are stacking up.
  • The 7-day free trial that you signed up for 338 days ago.

Does this sound familiar?

If so, you are not alone.

In this case, your forgotten auto-pay accounts have made your life more difficult.

But unfortunately, there are few companies with your financial best interest in mind.

Meanwhile, more and more companies are operating with this subscription-based model.

This could be in the form of hidden fees, difficult-to-cancel subscriptions, or recurring payment plans.

Fortunately, there is at least one company out to make life easy and save you hundreds of dollars.

Enter Truebill.

The company that lets you take control of your money.

Truebill will help you combat forgotten subscriptions, and much more.

Truebill: Overview

Managing finances can be hard.

Fortunately, Yahya Mokhtarzada stumbled upon this problem after being charged for in-flight wifi he had signed up for months prior.

Frustrated, Mokhtarzada set out to remedy this all-too-common problem.

He joined his brother, Idris, and founded Truebill, an app that detects and monitors your recurring subscriptions.

Truebill makes it easy to optimize your spending, lower your bills, and stay on top of your financial life.

You can think of Truebill as your automated financial assistant.

You can use Truebill to…

  • Lower your bills
  • Manage your subscriptions
  • Monitor for service provider outages (and save money)
  • Save on your utility bills
  • Beat bank charges from your bank
  • Track your finances
  • Save your money

The company looks at your financial habits, tracks your bills, and provides personal finance reports.

Collectively, Truebill makes saving money easy.

According to Truebill, the company has helped people save over $14 million since 2015.

Here is what some users are saying (via Truebill.com):

“Truebill is awesome, saved me hundreds of dollars by finding an old blog host subscription I had forgotten about.”

“Very cool..used Truebill and found several subscriptions I did not know I was paying for. Now canceled. Yes! #savingmoney”

So, how much can Truebill save you? Read on to find out!

Truebill: Lower Your Bills

Let’s start with lowering your bills.

With this option, Truebill will negotiate with your various services providers.

The most common re-negotiations come from the following services:

These service providers include AT&T, Comcast, Verizon, Spring, Audible, and more!

Here is how Truebill lowers your bills:

Step 1: Connect your bill

Start by connecting your bill in one of two ways:

  1. Logging in; or
  2. Snapping a photo

Once complete, Truebill’s expert negotiators immediately get to work for you.

These money-saving experts can unlock hidden discounts and promo rates available to you.

Step 2: Truebill renegotiates your bill

Truebill gets to work to negotiate your bill.

You should know that Truebill never downgrades or removes your services.

Instead, the company lowers your bill by:

  1. Negotiating a better rate; or
  2. Getting a one-time credit applied to your account

Truebill saves its customers 20% on existing telecom plans through negotiation, on average.

Step 3: You save money

Once the negotiation process is complete…

…Truebill will e-mail you letting you know your savings!

When Truebill negotiates for you, the company charges 40% of the yearly savings.

For example, if Truebill saves you $100/yr., you will keep $60 and pay $40.

The payment is required immediately, and you technically lose money the first month (but save money over time).

If Truebill cannot negotiate savings, you pay nothing.

To lower your bills, select “TrueProtect” on the Dashboard, then add the bills you want to lower.

Truebill: Manage Your Subscriptions and Bills

Truebill can save you money by flagging recurring charges in your bank statements.

You start by connecting your checking and credit cards account to the app.

Through the financial encrypting services, “Plaid,” simply enter your account information in the Truebill app.

Once your account information is input, Truebill review all of your data and flags the following:

  • Recurring bills
  • Changes to bills
  • Opportunities to lower bills

You can view these bills under the “Recurring” tab in the app.

From there, you can select any Subscription to see details and cancel, as necessary.

Another great feature is “mapping” bills to a calendar.

Truebill shows you when your automatic bills are taken out of your account.

You can also review bills and see whether the amount you are paying has changed over time.

You can use this information to cancel your unused subscriptions.

Additionally, Truebill offers a premium service.

With Truebill Premium, you can have the company cancel your unused services for you.

Simply select “Cancel Service,” and you are good to go!

You can sign-up for Truebill Premium for just $4.99 per month.

You may be asking: is the cost worth the benefit?

If you have multiple unused subscriptions, you could spend hours canceling.

If this is the case, I would say that Truebill is absolutely worth the cost.

Think about it – $5 for, say, two hours of your time? That is an easy choice.

If you can quickly cancel yourself, the regular service will work just fine.

Truebill: Monitor for Outages

This is a minor, but very cool feature that Truebill offers.

Let’s say your cable or internet provider has an outage in your area.

When this happens, Truebill will request a credit to your account.

You may be thinking…

…my cable provider has outages ALL THE TIME.

If this is the case, Truebill saves its users $96 on average.

Similar to Bill Negotiation, Truebill keeps 40% of the outage savings.

With Truebill on your side, you will be wishing for outages!

Truebill: Save Money on Electricity

The Electric Save feature is available in select areas.

These areas are where electricity is “deregulated.”

If you are in one of these areas, Truebill will partner with Arcadia Power to find you the lowest cost electric possible.

Some users report up to 30% savings on their electricity bill.

Truebill: Avoid Overdraft Charges

For Premium users, Truebill automatically requests refunds for overdraft and late fees.

You may be surprised at how forgiving banks are for first-time or rare overdraft offenders.

Simply turn on “Fee Refunds.”

However, to avoid this issue altogether, Truebill offers Balance Alerts.

Balance Alerts inform you any time your balance drops below a certain threshold.

Truebill: Track Spending and Budgeting Tools

To track your spending, go over to the “Spending” tab.

Here you will see monthly reports of…

  • Your overall financial health
  • Where your money is going
  • How your spending is changing over time

You can also view a full list of transactions and review transactions across all accounts.

Additionally, you can start budgeting by selecting the “Start Budget” box on the Dashboard.

The budgeting tools let you keep track of your spending by category.

Truebill: Smart Savings

Smart Savings is an easy, smart way to save money for your financial goals.

The Smart Savings accounts with Truebill are FDIC insured U.S. bank accounts.

    1. Go to Dashboard
    2. Scroll to your account balances and select Smart Savings
    3. On the next page, select Get Started
    4. From there, choose your goal (e.g., Retirement)
    5. Pick the frequency of your deposits
    6. Select how much you would like to deposit each time
    7. Review your account set-up
    8. Select Complete

For security purposes, money deposited into the account must be withdrawn to the checking account in which it came.

Truebill: Reviews, Blog, and more!

OK – Truebill has many features, and some do not deserve an entire section.

So, here is everything else you need to know:

Truebill Reviews

Here you can explore, compare, and review subscription service providers.

Categories include Books, Finance, Entertainment, and Shopping, to name a few.

Truebill Blog

The Truebill blog offers many money-saving tips.

Topics include things like:

  • 7 Gadgets That Will Reduce Your Utility Bills
  • How to Organize Receipts: 10 Tips to Simplify for Tax Time
  • How to Avoid Credit Card Late Fees
  • All About Transition Budgeting and How it Will Finally Fix Your Finances
  • How to Save Money on Cable and Internet

You may be able to supercharge your savings by reading the blog.

Did you know to call your cable company to tell them about better, competing offers can get them to lower your bill?

Truebill New Features

Truebill is always adding new features.

One of the company’s goals is to become the central hub of running your finances!

Stay tuned for more features to come soon…

Truebill Customer Service

Truebill offers plenty of advice and answers straight from the team.

You can get answers to questions like:

  • How do I cancel a bill negotiation?
  • Why is my account not linking?
  • How can I cancel Truebill Premium?
  • Where can I view my subscriptions and bills?
  • How do I get the most out of Truebill?

You can also Chat in App with the support team:

  • In the app select the ? in the top right corner
  • If you are on web select the chat icon on the bottom left

Alternatively, you can utilize the Webform here.

Truebill Fees

You are here to save money, not spend money.

Truebill is a free app, but it is not free indefinitely.

You can upgrade to Truebill Premium for $35.99 annually or $4.99 per month.

The best option for you is likely the monthly option.

You can pay the $4.99, cancel your unwanted bills, and then cancel the Premium service.

If you want to lower your bills, Truebill charges 40% of the annual savings in the first year.

This fee is charged as soon as the bill re-negotiation is complete.

As mentioned, if Truebill cannot renegotiate lower bills, you pay nothing.

Overall, the fees are reasonable and can save you significant time and money.

Is Truebill Safe to Use?

Truebill works by connecting to your financial accounts.

With that said, safety is likely one of your concerns.

The company uses bank-level, 256-bit encryption, and has read-level access to your information.

Additionally, Plaid is used to connect to over 15,000 financial institutions across the U.S securely.

Therefore, you do not need to worry about your accounts getting charged.

Truebill will not sell your data to third parties without your consent.

However, Truebill does advertise insurance and credit cards on the site.

If you choose to connect to these companies, your information will be passed to these companies.

If you have any questions or concerns, you may get in touch at [email protected]

What We Love About Truebill

Identifies recurring payments

Everyone should review their account for unnecessary, recurring payments.

This could take hours to do on your own. Even worse, you may be wasting hundreds of dollars annually and getting no benefit.

Truebill can help you find these financial leaks and get them under control.

Identifies unique savings opportunities

If you are unknowingly wasting money, Truebill will let you know.

For example, you can get a discount on cable and internet for outages.

Who would have thought that was possible? Apparently Truebill.

Also, Truebill is the only app that goes after late fees and overdraft fees.

Gets you back on track

If you are wasting money, it can stop today.

Truebill will stop the waste and get you back on track.

If you have read this far, ignorance is no longer an excuse!

What We Don’t Love About Truebill

Takes 40% of savings in the first year

Don’t get us wrong – the Truebill service is great.

However, there is nothing magic about what this company is doing.

If you have the desire, you can do your research and renegotiate your bills for free (but see our comment above about the hours of time).

In which case, the 40% charge may be a little steep.

Truebull Summary

Billions of dollars each year go toward subscriptions.

Given that alone, most people can benefit from Truebill.

Because let’s face it, we are all guilty of signing up for things…

…and then immediately forgetting.

Truebill can help provide insight to help us manage our forgetfulness.

Outside of that, Truebill offers many different services to save you money.

So, let us recap what Truebill can do for you:

  • Negotiate the cheapest bills possible
  • Identify and cancel unused subscriptions
  • Fight back against service provider outages
  • Find the cheapest utility bills
  • Get your overdraft fees returned
  • Budget and save your money

Remember, the many parts of the overall services are entirely free.

I use Truebill to monitor my subscriptions (which does not cost me a dime!)

I recommend the service for this reason alone.

But perhaps you can benefit from the other uses of this service.

Like I said, it may be worth signing up for the Premium service for a limited time.

From there, you can switch to the free service without skipping a beat.

So, go ahead and get started by downloading the free Truebill app.

You may be surprised at what you find.

Let us know who how much money you are (or aren’t) wasting on unused subscriptions below!

Read These Next

Jim Cramer Stock Picks

If you are familiar with CNBC, you are probably also familiar with Mad Money.

Mad Money has made Jim Cramer into one of the faces of the financial world, and one of the biggest names on Wall Street.

Love Cramer or hate Cramer – it is nearly impossible to ignore him.

Jim Cramer’s stock picking television career began in the 1990s as a co-host and guest on various financial programs.

Cramer began as a co-host of Kudlow & Cramer, which became Jim Cramer’s Real Money, and eventually, Mad Money.

But how does Cramer pick stocks with such accuracy?

Here are three of Jim Cramer’s stock picking metrics:

  • Stocks that are up when the rest of the market is down
  • Stocks with heavy short-selling activity
  • Stocks that are covered by less than six institutional analysts

While you see Cramer running and yelling on your television set, have you every stopped to ask…

…how accurate is this guy?

Well, today we are going to put several Cramer stock picks to the test.

5 Jim Cramer Stock Picks

Pick Date:

  • EPR Properties (NYSE: EPR)

Jim Cramer Analysis

This was one of Jim Cramer’s favorite income-producing stocks, calling the REIT “terrific.”

In an “Executive Decision” segment, Cramer sat down with president and CEO of EPR Properties, Greg Silvers. At the time, EPR Properties owned over $5.5 billion in total investments. The company specializes in recreational and lifestyle-enhancement properties.

Silvers explained that EPR is looking to be the leader in recreational experiences. In fact, around 10% of the company’s properties will be ski resorts. Shares hovered around $71 back in 2017.

But how are they doing today?

Stock Price (as of 3/10/2017): 70.80

Where they are today

The stock plunged to a low of $53.35 in April 2018.

However, if you continued to hold the stock, you would have seen your money back and more.

The nearly 400 properties owned by EPR can be grouped into three categories:

EPR trades for a cheap valuation and invests in properties that have significant growth potential in the coming years.

Think about it – millennials are the largest demographic in the U.S. and are seeking experiences.

This bodes very well for a company that is focused on delivering experiences. Apart from that, the company pays a 6.1% dividend yield.

Bottom line: The Company has a cheap valuation, provides an excellent income stream, and has long-term potential for growth.

And if you had invested in 2017, you would have made a few bucks.

Stock Price (as of 4/19/2019): 77.00

The verdict: CORRECT!

  • Kimco Realty (NYSE: KIM)

Jim Cramer Analysis

Kimco Realty is another one of Cramer’s favorite REITs.

Kimco is a self-administered REIT that owns and manages open-air shopping centers. At the time, the company owned 525 shopping center properties with 85.4 million square feet in gross leasable area in 34 states, Puerto Rico, and Canada.

Shares of the company were coming off of lows and were a bargain at around $22.

Stock Price (as of 3/10/2017): 21.64

Where they are today

Kimco went as low as $13.33 in April 2018.

By the end of 2018, Kimco owned just 437 properties. This change is in stark contrast to the 800+ properties owned in 2010.

The Company has been spending recent years creating a better portfolio and is still selling assets. Kimco also has several small projects that should keep the company moving in the right direction. Additionally, the company has been paying out a 6%+ dividend yield.

So, what can you do? Sit back, collect your dividend, and watch Kimco continue to re-invent itself.

Still, we will call Jim Cramer wrong, for the time being, because anything could happen.

Stock Price (as of 4/19/2019): 17.53

The verdict: WRONG!

  • Flextronics (Nasdaq: FLEX)

Jim Cramer Analysis

Cramer has called Flextronics “the king of contract manufacturing” in the past and advised followers to “not give up” on the stock.

Flextronics is a Singapore-based, multi-market design, manufacturing, and supply chain company. The company operates in the medical, automotive, aerospace, defense, mobile devices, semiconductor, capital equipment, and industrial automation divisions.

Cramer has backed the stock for many years – but has it ever performed?

Stock Price (as of 3/10/2017): 16.66

Where they are today

Flextronics has found limited manufacturing capacity in India. The company invests heavily in Indian facilities in order to capture to capture demand for products made in India to be sold in India.

Flex has been having difficulty getting additional capacity off the ground to meet the rising demand in India. Thus, there is plenty of business being left on the table in India.

Flex plans to get the situation under control by mid-2019 (we’re almost there!). But, for now, investors are taking a step back given this concern.

We will call Cramer wrong on this one!

Stock Price (as of 4/19/2019): 11.21

The verdict: WRONG!

  • United Healthcare (NYSE: UNH)

Jim Cramer Analysis

United Healthcare performed well in 2016, up 35 percent.

During that time, Cigna and Anthem, and Humana and Aetna were trying to merge. However, UnitedHealtcare stood out to Cramer as the single company to challenge the Affordable Care Act by speaking publicly about healthcare exchanges.

Cramer expects Trump to rely on UnitedHealth to help re-invent healthcare.

“UnitedHealth is the most likely to become a two-year dynasty.”

Stock Price (as of 7/7/2017): 187.96

Where they are today

United Healthcare 2019 first-quarter earnings beat Wall Street forecasts and increased outlook on expectations that the company will expand benefits while keeping costs down.

However, the stock still fell over investors’ growing anxiety about the healthcare regulatory landscape. Investors are concerned whether there will be “Medicate-for-All” come to reality.

These events still remain to be seen, but if you had taken Cramer up on his recommendation, you would be rollin’ in the dough.

Stock Price (as of 4/19/2019): 221.75

The verdict: CORRECT!

  • Caterpillar (NYSE: CAT)

Jim Cramer Analysis

This pick is a little different as Cramer chose this stock to go down.

“If you buy CAT here, you have to believe that numbers come up, not down, and as much as I have championed the stock, I think it has given you all it has to give, at least for now, unless Trump issues $500 billion in 50-year Make America Great Again bonds where the money is earmarked to purchase only U.S. made products.”

Caterpillar was up 36 percent in 2016.

This recommendation came in the form of a “Sell,” which means we will look for the share price to have gone down. So, how is the stock doing today?

Stock Price (as of 7/7/2017): 106.92

Where they are today

Caterpillar’s massive free cash flow kept the stock moving in the right direction for a while. From there, the strength in construction and oil and gas kept the stock looking good.

Recently, CAT saw dropping sales, but the company’s earnings report managed to beat estimate for the most recent quarter.

However, headwinds in the construction and oil and gas industries has been the story as of late. Some investors are predicting declining sales beginning in 2020 which will shrink profit margins and slow revenue growth.

If you had kept the stock from mid-2017 to this point, you would be pretty happy.

However, CAT stock could be facing more challenges ahead. We will call Cramer wrong…for now.

Stock Price (as of 4/19/2019): 143.36

The verdict: WRONG!

Summary

We can’t make totally accurate predications all of the time – not even the gurus!

Despite Cramer’s experience and extension knowledge, his picks are not always winners. In fact, the guy has had more than a few high-profile losing picks.

But the man doesn’t have crystal ball!

However, I find Jim Cramer’s opinion a valuable source of information and a way to supplement my own investment research.

And you should never blindly invest based on one persons’ advice.

Correct: 2

Wrong: 3

Here are the final results (on a per share basis) on the Jim Cramer stock picks that we sampled:

EPR Properties: CORRECT!

Kimco Realty: WRONG!

Flextronics: WRONG!

United Healthcare: CORRECT!

Caterpillar: WRONG!

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No other newsletter comes close to that. You may have seen the Motley Fool’ advertisements that their picks are up 367% compared to the market’s 80%. Is The Motley Fool’s Stock Advisor really as good as they claim?

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Best healthcare stocks 2019




SOURCE: http://www.wallstreetsurvivor.com/quote/BBY/option-chain


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