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Stock Market News, July 31, 2026: Apple Stock Falls, but Nasdaq Marches Higher WSJS&P 500 closes higher Friday as Amazon surges; Dow posts fourth straight winning month: Live updates CNBCStock market today: Dow, S&P 500, Nasdaq rise to cap volatile July as Big Tech AI spending ramps up Yahoo FinanceStock Market News July 31: Dow, S&P 500 and Nasdaq finish higher, capping off volatile month in the green; Nasdaq sees biggest monthly drop since March MarketWatch
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The Federal Reserve has met at least eight times a year for decades. Reducing the number of meetings would represent the biggest change by Kevin M. Warsh since he became chairman.
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The trio of dissenters at the Federal Reserve who backed an increase in interest rates this week contend high inflation could get entrenched in the economy unless the central bank acts decisively to get prices under control.
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Apple stock falls on weak revenue forecast as CEO Tim Cook flags 'increasing impact' from memory shortage Yahoo FinanceApple stock slides nearly 10% as Cook warns of memory shortage impact Yahoo FinanceTim Cook signed off on his final Apple earnings call with a warning about a ‘100-year flood' in memory chip pricing FortuneApple Slides After Supply Shortages Hurt Sales Forecast bloomberg.com
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You're getting ready to retire, and you're thinking about your expenses. One expense you'd like to forgo is the premium you pay for the life insurance policy you bought decades ago. The question is: Are your only two options to pay the premiums or cancel your coverage? The answer is no, you usually have other alternatives.
Start assessing your options by first determining whether your policy is a term insurance plan or some kind of permanent insurance with cash values.
Term insurance
Term life insurance is generally the cheapest coverage, but it works like rent. When you're done "renting" the insurance, you leave with no equity. So, if you reach the end of the policy's term — for example, 20 years — you lose your insurance coverage. You still may have some options, though. Some term policies let you renew your coverage. You can continue your insurance, just at a higher premium. Generally, the cost increase is so high it's a deal killer. If you need the coverage, though, it may be worth it.
SEE MORE Other Uses for Life Insurance You May Not Know About
Term insurance policies often have conversion rights, meaning you can convert your term insurance policy into a permanent plan. The good news is this will continue your death protection for the rest of your life, but the bad news is you'll be paying a much higher ongoing premium. While this may sound like a non-starter as you face retirement, it may be a good idea if your life expectancy has been shortened because of a medical condition. The conversion privilege also allows you to change your soon-to-expire term policy into a permanent policy without you having to show insurability - no physicals or bloo
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