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Shares of This Little-Known Home Improvement Business Have Outperformed Home Depot Stock Over the Last 5 Years. Here's Why I Expect This Trend to Continue Over the Next 5 Years.Renuka Rayasam | (TNS) KFF Health News In April, just 12 weeks into her pregnancy, Kathleen Clark was standing at the receptionist window of her OB-GYN’s office when she was asked to pay $960, the total the office estimated she would owe after she delivered. Clark, 39, was shocked that she was asked to pay that amount during this second prenatal visit. Normally, patients receive the bill after insurance has paid its part, and for pregnant women that’s usually only when the pregnancy ends. It would be months before the office filed the claim with her health insurer. Clark said she felt stuck. The Cleveland, Tennessee, obstetrics practice was affiliated with a birthing center where she wanted to deliver. Plus, she and her husband had been wanting to have a baby for a long time. And Clark was emotional, because just weeks earlier her mother had died. “You’re standing there at the window, and there’s people all around, and you’re trying to be really nice,” recalled Clark, through tears. “So, I paid it.” On online baby message boards and other social media forums , pregnant women say they are being asked by their providers to pay out-of-pocket fees earlier than expected. The practice is legal, but patient advocacy groups call it unethical. Medical providers argue that asking for payment up front ensures they get compensated for their services. How frequently this happens is hard to track because it is considered a private transaction between the provider and the patient. Therefore, the payments are not recorded in insurance claims data and are not studied by researchers. Patients, medical billing experts, and patient advocates say the billing practice causes unexpected anxiety at a time of already heightened stress and financial pressure. Estimates can sometimes be higher than what a patient might ultimately owe and force people to fight for refunds if they miscarry or the amount paid was higher than the final bill. Up-front payments also create hurdles for women who may want to switch providers if they are unhappy with their care. In some cases, they may cause women to forgo prenatal care altogether, especially in places where few other maternity care options exist. It’s “holding their treatment hostage,” said Caitlin Donovan, a senior director at the Patient Advocate Foundation . Medical billing and women’s health experts believe OB-GYN offices adopted the practice to manage the high cost of maternity care and the way it is billed for in the U.S. When a pregnancy ends, OB-GYNs typically file a single insurance claim for routine prenatal care, labor, delivery, and, often, postpartum care. That practice of bundling all maternity care into one billing code began three decades ago, said Lisa Satterfield, senior director of health and payment policy at the American College of Obstetricians and Gynecologists . But such bundled billing has become outdated, she said. Previously, pregnant patients had been subject to copayments for each prenatal visit, which might lead them to skip crucial appointments to save money. But the Affordable Care Act now requires all commercial insurers to fully cover certain prenatal services. Plus, it’s become more common for pregnant women to switch providers, or have different providers handle prenatal care, labor, and delivery — especially in rural areas where patient transfers are common. Some providers say prepayments allow them to spread out one-time payments over the course of the pregnancy to ensure that they are compensated for the care they do provide, even if they don’t ultimately deliver the baby. “You have people who, unfortunately, are not getting paid for the work that they do,” said Pamela Boatner, who works as a midwife in a Georgia hospital. While she believes women should receive pregnancy care regardless of their ability to pay, she also understands that some providers want to make sure their bill isn’t ignored after the baby is delivered. New parents might be overloaded with hospital bills and the costs of caring for a new child, and they may lack income if a parent isn’t working, Boatner said. In the U.S., having a baby can be expensive. People who obtain health insurance through large employers pay an average of nearly $3,000 out-of-pocket for pregnancy, childbirth, and postpartum care, according to the Peterson-KFF Health System Tracker . In addition, many people are opting for high-deductible health insurance plans, leaving them to shoulder a larger share of the costs. Of the 100 million U.S. people with health care debt, 12% attribute at least some of it to maternity care, according to a 2022 KFF poll . Families need time to save money for the high costs of pregnancy, childbirth, and child care, especially if they lack paid maternity leave, said Joy Burkhard , CEO of the Policy Center for Maternal Mental Health, a Los Angeles-based policy think tank. Asking them to prepay “is another gut punch,” she said. “What if you don’t have the money? Do you put it on credit cards and hope your credit card goes through?” Calculating the final costs of childbirth depends on multiple factors, such as the timing of the pregnancy , plan benefits, and health complications, said Erin Duffy , a health policy researcher at the University of Southern California’s Schaeffer Center for Health Policy and Economics. The final bill for the patient is unclear until a health plan decides how much of the claim it will cover, she said. But sometimes the option to wait for the insurer is taken away. During Jamie Daw’s first pregnancy in 2020, her OB-GYN accepted her refusal to pay in advance because Daw wanted to see the final bill. But in 2023, during her second pregnancy, a private midwifery practice in New York told her that since she had a high-deductible plan, it was mandatory to pay $2,000 spread out with monthly payments. Daw, a health policy researcher at Columbia University, delivered in September 2023 and got a refund check that November for $640 to cover the difference between the estimate and the final bill. “I study health insurance,” she said. “But, as most of us know, it’s so complicated when you’re really living it.” While the Affordable Care Act requires insurers to cover some prenatal services, it doesn’t prohibit providers from sending their final bill to patients early. It would be a challenge politically and practically for state and federal governments to attempt to regulate the timing of the payment request, said Sabrina Corlette , a co-director of the Center on Health Insurance Reforms at Georgetown University. Medical lobbying groups are powerful and contracts between insurers and medical providers are proprietary. Because of the legal gray area, Lacy Marshall , an insurance broker at Rapha Health and Life in Texas, advises clients to ask their insurer if they can refuse to prepay their deductible. Some insurance plans prohibit providers in their network from requiring payment up front. If the insurer says they can refuse to pay up front, Marshall said, she tells clients to get established with a practice before declining to pay, so that the provider can’t refuse treatment. Related Articles Health | Which health insurance plan may be right for you? Health | California case is the first confirmed bird flu infection in a US child Health | Your cool black kitchenware could be slowly poisoning you, study says. Here’s what to do Health | Does fluoride cause cancer, IQ loss, and more? Fact-checking Robert F. Kennedy Jr.’s claims Health | US towns plunge into debates about fluoride in water Clark said she met her insurance deductible after paying for genetic testing, extra ultrasounds, and other services out of her health care flexible spending account. Then she called her OB-GYN’s office and asked for a refund. “I got my spine back,” said Clark, who had previously worked at a health insurer and a medical office. She got an initial check for about half the $960 she originally paid. In August, Clark was sent to the hospital after her blood pressure spiked. A high-risk pregnancy specialist — not her original OB-GYN practice — delivered her son, Peter, prematurely via emergency cesarean section at 30 weeks. It was only after she resolved most of the bills from the delivery that she received the rest of her refund from the other OB-GYN practice. This final check came in October, just days after Clark brought Peter home from the hospital, and after multiple calls to the office. She said it all added stress to an already stressful period. “Why am I having to pay the price as a patient?” she said. “I’m just trying to have a baby.” ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.7xm 。

First Trust Materials AlphaDEX Fund ( NYSEARCA:FXZ – Get Free Report )’s stock price dropped 0.7% during trading on Friday . The company traded as low as $56.47 and last traded at $56.76. Approximately 36,727 shares changed hands during mid-day trading, an increase of 2% from the average daily volume of 36,029 shares. The stock had previously closed at $57.16. First Trust Materials AlphaDEX Fund Price Performance The company has a market capitalization of $343.40 million, a PE ratio of 9.32 and a beta of 1.04. The business has a 50-day moving average of $63.37 and a 200 day moving average of $64.49. Institutional Inflows and Outflows A number of hedge funds and other institutional investors have recently modified their holdings of FXZ. Zions Bancorporation N.A. purchased a new stake in shares of First Trust Materials AlphaDEX Fund during the 2nd quarter valued at about $60,000. JPMorgan Chase & Co. raised its position in First Trust Materials AlphaDEX Fund by 8,640.0% during the third quarter. JPMorgan Chase & Co. now owns 1,748 shares of the company’s stock valued at $117,000 after purchasing an additional 1,728 shares during the period. RPg Family Wealth Advisory LLC bought a new stake in shares of First Trust Materials AlphaDEX Fund in the 3rd quarter valued at approximately $383,000. Clarus Wealth Advisors boosted its holdings in shares of First Trust Materials AlphaDEX Fund by 9.4% in the 3rd quarter. Clarus Wealth Advisors now owns 5,833 shares of the company’s stock worth $387,000 after purchasing an additional 499 shares during the period. Finally, CoreCap Advisors LLC bought a new position in shares of First Trust Materials AlphaDEX Fund during the 2nd quarter valued at approximately $425,000. First Trust Materials AlphaDEX Fund Company Profile The First Trust Materials AlphaDEX Fund (FXZ) is an exchange-traded fund that is based on the StrataQuant Materials index. The fund tracks a tiered, equal-weighted index of large- and mid-cap basic materials firms in the US. Holdings are selected and weighted based on growth and value metrics. FXZ was launched on May 8, 2007 and is managed by First Trust. Featured Articles Receive News & Ratings for First Trust Materials AlphaDEX Fund Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for First Trust Materials AlphaDEX Fund and related companies with MarketBeat.com's FREE daily email newsletter .

Stocks on Fire: Nvidia and Palantir! Which One Wins the AI Race?Kaitlyn Kimmet of Ottawa-Glandorf shoots the ball against Lillie Best of Crestview during a game on Dec. 28, 2024, at Robert J Hermiller Gymnasium. Chris Howell | The Lima News OTTAWA — Ottawa-Glandorf has been known to wear its opponents down over the course of a game with its length, defensive pressure and shot-making ability. On Saturday afternoon at Robert J. Hermiller Gymnasium, all three of those things affected Crestview, who kept things close until the second half started. Ottawa-Glandorf began the third quarter on an 11-0 run and outscored the Knights 28-14 the rest of the way to secure a 51-36 victory, running its unbeaten record to 7-0 on the season. In that decisive third quarter, the Titans held Crestview off the scoreboard until the final four seconds, turning a one-point game into a 12-point game before Josie Kulwicki broke off the run just before the buzzer. “I thought we had a nice little stretch there in the second half to kind of open the game up,” Ottawa-Glandorf coach Troy Yant said. “On the ball, we were really good. I thought we did a good job on Kline and Gregory. Our team defense needs a little work. It kind of looked like we were still a little hungover from the holiday.” Holiday hangover or no holiday hangover, Ottawa-Glandorf forced 17 turnovers and limited Kline and Gregory, Crestview’s top two scorers, to a combined 26 points on 26 shots. Kline led the way with 17. “They want to funnel most of their offense through those two girls and we know that, so it makes it easier for us to just focus on them,” Yant said. “Anytime you can hold a quality opponent to two points in any quarter, it’s just a great accomplishment.” More times than not on Saturday, Liv Grothause was the main beneficiary of Ottawa-Glandorf’s approach of turning defense into offense. The 5-11 junior guard ended the game 9 of 12 from the field, scoring a career-high 19 points, thanks in large part to a few long outlet passes following a turnover. Kaitlyn Kimmet added 11 points for the Titans and Karsyn Erford finished with 9. Yant said another key to Ottawa-Glandorf’s second-half success was the ability to use the middle of the floor to take advantage of Crestview’s zone defense. “We didn’t do that very well in the first half and when we did, we seemed to make touch passes instead of just turning and looking to score,” he said. “We’re going to see some zone so it’s something we need to work on. “They have a great program. Any time you can beat Crestview you’re accomplishing something. They ran a set every time down the floor and really did a good job of getting girls open. You can see the difference in where they’re at offensively compared to where we are so I thought our defense would have to step up and they did in the second.” As a team, Ottawa-Glandorf converted 20 of its 47 shot attempts (43%), while Crestview hit 12 of its 37 field goals (32%). The Titans also handled the boards, 26-15. Saturday’s game also marked the return of Kaelyn Grothause, who saw her first game action after a knee injury delayed her start to the season. Grothause, a 5-4 senior, was Ottawa-Glandorf’s starting point guard as a freshman. “It was awesome to see her back out there,” Yant said. “It would have been nice to see her hit a couple buckets but she had a smile on her face. She’s only practiced with us a couple of days, so it was nice to get her in the rotation. Hopefully, we can get her in against Shawnee and get her ready for the first of the year.” Score by Quarters CV 15 7 2 12 — 36 OG 15 8 11 17 — 51 CRESTVIEW — Ellie Kline 4-17 17, Kaci Gregory 4-9 9, Josie Kulwicki 2-3 4, Peyton Hoffman 1-3 2, Kennedy Crider 1-4 2, Haley McCoy 0-1 2, Lillie Best 0-1 0, Totals: 12/37 (32%) OTTAWA-GLANDORF — Liv Grothause 9-12 19, Kaitlyn Kimmet 3-11 11, Karsyn Erford 4-11 9, Carlie Brinkman 2-5 7, Gracie Lammers 1-3 3, Megan Horstman 1-1 2, Total: 20/47 (43%) Rebounds: CV 15; OG 26 Turnovers: CV 17; OG 12 Records: Crestview 8-3, 2-1 NWC; Ottawa-Glandorf 7-0, 3-0 WBL Reach Chris Howell at 567-242-0468 or on X @Lima_Howell2 No-Brainer Healthcare Stocks to Buy With $1,000 Right Now

Nissan and Honda to attempt a merger that would create the world's No. 3 automaker TOKYO (AP) — Japanese automakers Nissan and Honda have announced plans to work toward a merger that would catapult them to a top position in an industry in the midst of tectonic shifts as it transitions away from its reliance on fossil fuels. The two companies said they signed an agreement on integrating their businesses on Monday. Smaller Nissan alliance member Mitsubishi Motors agreed to join the talks. News of a possible merger surfaced earlier this month. Japanese automakers face a strong challenge from their Chinese rivals and Tesla as they make inroads into markets at home and abroad. What a merger between Nissan and Honda means for the automakers and the industry BANGKOK (AP) — Japanese automakers Honda and Nissan will attempt to merge and create the world’s third-largest automaker by sales as the industry undergoes dramatic changes in its transition away from fossil fuels. The two companies said they had signed a memorandum of understanding on Monday and that smaller Nissan alliance member Mitsubishi Motors also had agreed to join the talks on integrating their businesses. Honda will initially lead the new management, retaining the principles and brands of each company. Following is a quick look at what a combined Honda and Nissan would mean for the companies, and for the auto industry. Nordstrom to be acquired by Nordstrom family and a Mexican retail group in $6.25 billion deal Century-old department store Nordstrom has agreed to be acquired and taken private by Nordstrom family members and a Mexican retail group in a $6.25 billion deal. Nordstrom shareholders will receive $24.25 in cash for each share of Nordstrom common stock, representing a 42% premium on the company’s stock as of March 18. Nordstrom’s board of directors unanimously approved the the proposed transaction, while Erik and Pete Nordstrom — part of the Nordstrom family taking over the company — recused themselves from voting. Following the close of the transaction, the Nordstrom Family will have a majority ownership stake in the company. An analyst looks ahead to how the US economy might fare under Trump WASHINGTON (AP) — President-elect Donald Trump won a return to the White House in part by promising big changes in economic policy — more tax cuts, huge tariffs on imports, mass deportations of immigrants working in the United States illegally. In some ways, his victory marked a repudiation of President Joe Biden’s economic stewardship and a protest against inflation. It came despite low unemployment and steady growth under the Biden administration. What lies ahead for the economy under Trump? Paul Ashworth of Capital Economics spoke recently to The Associated Press. The interview has been edited for length and clarity. American consumers feeling less confident in December, Conference Board says American consumers are feeling less confident in December, a business research group says. The Conference Board said Monday that its consumer confidence index fell back in December to 104.7 from 112.8 in November. Consumers had been feeling increasingly confident in recent months. The consumer confidence index measures both Americans’ assessment of current economic conditions and their outlook for the next six months. The measure of Americans’ short-term expectations for income, business and the job market tumbled more than a dozen points to 81.1. The Conference Board says a reading under 80 can signal a potential recession in the near future. The internet is rife with fake reviews. Will AI make it worse? Researchers and watchdog groups say the emergence of generative artificial intelligence tools that allow people to efficiently produce detailed and novel online reviews has put merchants, service providers and consumers in uncharted territory. Phony reviews have long plagued many popular consumer websites, such as Amazon and Yelp. But AI-infused text generation tools enable fraudsters to produce reviews faster and in greater volume, according to tech industry experts. The deceptive practice is illegal in the U.S. and becomes a bigger problem for consumers during the holiday shopping season, when many people rely on reviews to buy gifts. A tech company and watchdog group that uses software to detect fake reviews says AI-generated reviews have multiplied. Stock market today: Honda-Nissan merger talks shake up otherwise quiet morning on Wall Street NEW YORK (AP) — Stocks edged lower in morning trading on Wall Street at the start of a holiday-shortened week. The S&P 500 slipped 0.2% Monday. Several big technology companies helped cushion the widespread losses. The Dow Jones Industrial Average slipped 308 points, or 0.1%, and the Nasdaq composite was mostly unchanged. Japanese automakers Honda Motor and Nissan Motor said they are talking about combining in a deal that might also include Mitsubishi Motors. Eli Lilly rose after announcing that regulators approved Zepbound as the first and only prescription medicine for adults with sleep apnea. Treasury yields edged higher in the bond market. AI will eavesdrop on world's wildest places to track and help protect endangered wildlife PUERTO JIMÉNEZ, Costa Rica (AP) — A biologist hid 350 audio monitors across Costa Rica’s tropical rainforests to spy on endangered spider monkeys in order to help protect them. But she had to go back to collect the data and feed those sounds into artificial intelligence systems that can recognize monkey calls. Now tech giant Microsoft's philanthropic arm is hoping to supercharge AI-assisted wildlife research with new solar-powered devices that can capture sounds, images and other wilderness data for a year or more without human intervention. Researchers say more AI wildlife surveillance is urgently needed to monitor the health of species at risk of extinction. Many Americans have come to rely on Chinese-made drones. Now lawmakers want to ban them WASHINGTON (AP) — The economic and technological rivalry between the U.S. and China has come to the drone market, where Chinese-made flying devices are a dominant player in America. Lawmakers in Washington are seeking to ban new sales of Chinese-made drones, arguing they could be used to spy on Americans and that the low-cost models are hurting the U.S. drone industry. But U.S. users — spanning from police officers to farmers to mappers and filmmakers — have come to rely on Chinese-made drones, especially those by DJI Technology, for their work or lives. Florida has banned Chinese drones in state-funded programs, but also appropriated $25 million to help offset replacement costs. Government regulators close investigation into Ford Focus recalls Government safety regulators are closing an investigation into two previous recalls of the Ford Focus after determining that Ford Motor Co. has satisfied its concerns. Ford recalled around 1.5 million Ford Focus sedans from the 2012-2018 model years in 2018 because they could lose power. The issue was a malfunctioning canister purge valve and software that didn’t adequately detect when it was stuck open. Ford fixed the software in two separate recalls, but after cars continued to stall, the government opened an inquiry last year. Earlier this fall, Ford offered to replace the canister purge valve on all of the vehicles, satisfying regulators' concerns.

Oral Model Resin Market Outlook and Future Projections for 2030 12-28-2024 12:20 PM CET | Business, Economy, Finances, Banking & Insurance Press release from: Dhirtek Business Research and Consulting Oral Model Resin Market The oral model resin market represents a dynamic and continually evolving landscape, shaped by changing consumer demands and technological advancements. In this comprehensive report, we provide an in-depth exploration of the market, designed for a wide range of stakeholders including manufacturers, suppliers, distributors, and investors. Our goal is to equip industry participants with essential insights that enable informed decision-making in an ever-changing market environment. This analysis not only examines the current state of the oral model resin market but also forecasts its future trends. Scope and Purpose This report serves as an extensive resource, thoughtfully curated to deliver actionable intelligence to industry stakeholders. It covers critical elements such as market dynamics, competitive environments, growth opportunities, challenges, and regional differences. The insights provided go beyond mere descriptions, offering a valuable tool for stakeholders to refine their strategies and make informed choices in a competitive market. Request for Sample Report: https://www.dhirtekbusinessresearch.com/market-report/Oral-Model-Resin-Market/request-for-sample-report Comprehensive Market Analysis We are committed to providing a thorough analysis that explores every aspect of market growth, including shifts in consumer preferences and technological innovations driving demand for oral model resin products. We also address the challenges faced by the industry, such as economic uncertainties and intense competition, offering insights to help stakeholders navigate these complexities. Key Players in the Oral Model Resin Market: VOCO Dental GC Dental 3M Medicept Esstech Inc Kerr Corporation Dentsply Sirona bredent UK Formlabs Dental Crea3D Articon Liqcreate Strategic Guidance for the Future This report invites stakeholders to delve into a detailed examination of the competitive landscape. By profiling key players in the oral model resin market and analyzing their strategies, we offer crucial insights to help industry participants make informed strategic decisions. Whether it's about outpacing competitors or learning from successful approaches, our analysis is designed to guide stakeholders toward success. Anticipated Insights Understanding the diverse segments within the oral model resin market is critical to success. Our report breaks down segment sizes, potential growth trajectories, and key trends, offering actionable insights that allow stakeholders to develop targeted strategies and optimize resource allocation. The knowledge provided empowers stakeholders to navigate the complexities of the oral model resin market with clarity and confidence. Balancing Market Forces and Strategic Impact This report delivers a comprehensive analysis of the factors shaping the oral model resin market. By evaluating both the drivers of market growth and the obstacles that could impede it, stakeholders gain a holistic understanding of the market's dynamics. For manufacturers, this analysis helps align innovation efforts with consumer demands and regulatory trends, while investors and decision-makers gain a deeper understanding of economic risks and supply chain vulnerabilities, allowing them to make more informed strategic choices. Our goal is to provide stakeholders with the knowledge needed to confidently and successfully navigate the oral model resin market. Competitive Landscape Our in-depth examination of the oral model resin market's competitive landscape highlights key players, scrutinizing their strategies and impacts on the industry. By analyzing the approaches of major companies, stakeholders gain a valuable understanding of market dynamics and can leverage these insights to identify growth opportunities, innovate, and make informed strategic decisions. Market Segmentation The report begins with a detailed analysis of the unique characteristics defining each segment within the oral model resin market. Segmentation can occur across various dimensions, including product types, customer demographics, or specific use cases. Understanding these differences allows stakeholders to tailor their strategies, products, and marketing efforts to meet the specific needs of each segment, enhancing competitive positioning and maximizing opportunities for success. Market Segments: Product Type: Composite Resin Glass Ionomer Resin Nano Resin Others Application: Hospital Dental Clinic Market Size and Segment Growth Potential A crucial part of the report focuses on understanding the size and significance of each market segment. We provide quantitative data that illustrates the market share and contribution of each segment, enabling stakeholders to make informed decisions regarding resource allocation, strategic prioritization, and investment. This section offers insights into the growth potential of each segment, including factors driving future expansion, evolving consumer preferences, and technological adoption. Conclusion This report serves as a strategic guide for stakeholders in the oral model resin market, offering comprehensive insights into market segmentation, competitive dynamics, and growth potential. By understanding the market's complexities and emerging opportunities, industry participants can make well-informed decisions that drive success and innovation in this rapidly evolving market. Other Reports Field Telephone Sets Market https://www.dhirtekbusinessresearch.com/market-report/Field-Telephone-Sets-Market Low Carbon Flooring Market https://www.dhirtekbusinessresearch.com/market-report/Low-Carbon-Flooring-Market Drone Light Show Market https://www.dhirtekbusinessresearch.com/market-report/Drone-Light-Show-Market Redundant Control System Market https://www.dhirtekbusinessresearch.com/market-report/Redundant-Control-System-Market "Contact Us Dhirtek Business Research and Consulting Private Limited Contact No: +91 7580990088 Email Id: sales@dhirtekbusinessresearch.com" "About Us Dhirtek Business Research & Consulting Pvt Ltd is a global market research and consulting services provider headquartered in India. We offer our customers syndicated research reports, customized research reports, and consulting services. Our objective is to enable our clientele to achieve transformational progress and help them to make better strategic business decisions and enhance their global presence. We serve numerous companies worldwide, mobilizing our seasoned workforce to help companies shape their development through proper channeling and execution. We offer our services to large enterprises, start-ups, non-profit organizations, universities, and government agencies. The renowned institutions of various countries and Fortune 500 businesses use our market research services to understand the business environment at the global, regional, and country levels. Our market research reports offer thousands of statistical information and analysis of various industries at a granular level." This release was published on openPR.Sharp Co. (OTCMKTS:SHCAY) Short Interest Down 25.6% in December

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