Calculate the Total Out-of-Pocket Cost of Your Health Insurance Plan

How much do you pay for your health insurance? If you only think about your health insurance costs in terms of the monthly premiums, you’re leaving out a lot of potential expenses. Right now, for example, I have an Affordable Care Act Bronze plan with a $442.83 monthly premium and a $6,200 deductible. This means that I could pay a total of $11,513.96—the $6,200 deductible plus $5,313.96 in premiums—before my insurer begins to pick up the cost for any of my healthcare. I might end up paying less than that,…

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Tata Motors Rating: Hold; Subdued performance across the business

The outlook for India business is also hazy both on margin and volumes. Tata Motors (TML) reported a 35% underperformance in Q1FY20 consolidated Ebitda (down 41% y-o-y) due to lumpy cost at JLR and fall-off in India volumes. On JLR, management reiterated the 3–4% Ebit margin guidance for FY20 (despite a weak Q1) as: (i) the worst is behind in China; and (ii) marketing (VME) and warranty cost would reduce going ahead. The India business suffered from a sharper-than-expected downshift in demand, which management expects to improve ahead. However, demand outlook…

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Global business leader Indra Nooyi calls on Australia to fill the MCG on International Women’s Day 2020

Globally-recognised business leader and International Cricket Council Director Indra Nooyi has put out a rallying cry for Australia and the world to celebrate equality and empowerment at next year’s ICC Women’s T20 World Cup Australia 2020. Mrs. Nooyi, twice named on TIME’s global list of ‘100 Most Influential People’ and visiting Australia this week for speaking engagements, was taken on tours of the Melbourne Cricket Ground and Sydney Cricket Ground, which will host the semi finals and final of the ICC Women’s T20 World Cup respectively, to be played across…

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DJI gets into the battling robot business

A little less than a month ago, DJI branched out from the world of gimbals and drones with the release of the Osmo Action, a new action camera that put GoPro firmly in the company’s sites. Now it’s back with another new category: educational fighting robots. The RoboMaster S1 seems like an odd fit at first, but the company’s quick to point out that robotics are an important part of DJI’s  DNA. Founder and CEO Frank Wang studied robotics in school, and in recent years, the company has put on a series of robotic fighting tournaments in…

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The Election Fix: Have BJP’s attempts to solve India’s education problems done more harm than good?

Welcome to The Election Fix. On Sundays, we take a closer look at one theme that will play a significant role in India’s Lok Sabha elections. In the past, we’ve looked at things like agriculture and the discrimination faced by Muslims in politics. This week, Shreya Roy Chowdhury takes a look at education, from how the big promises made by the Bharatiya Janata Party have turned into piecemeal efforts to the major challenges facing India’s policymakers in the future. We are running a reader survey about the Election Fix and what you would like to see from our…

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