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Cryptocurrencies.

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• Investors are becoming increasingly exposed to cryptocurrencies and risks associated with digital assets, said MSCI.
• At least 52 companies under coverage at MSCI ESG Research have crypto exposure.
• And 26 such companies are included in MSCI's flagship ACWI World Index.

Investors focused on environmental, social and governance matters are increasingly subject to "creeping" exposure to cryptocurrencies, according to MSCI.

The index provider said at least 52 public companies covered by MSCI ESG Research have exposure to cryptocurrencies, representing about $7.1 trillion in market capitalization, or around 6.6% of the market cap covered by the unit, according to the ESG team's podcast.

"While most cryptocurrencies are speculative investments with little evident utility, some have seen limited success as genuine currencies, and many have posted eye-popping returns," said MSCI ESG Research. "This growth has contributed both to the rise of cryptocurrency-exposed companies and efforts by established companies to gain cryptocurrency exposure."

Exposure comes from a range of companies such as pure-play crypto firm Coinbase, the exchange operator that went public in April. Other names include Facebook, which logs no revenue from digital coins but is exploring ways to monetize the system, and Nvidia, the chipmaker with a dedicated graphics-processing unit for professional cryptocurrency miners.

Crypto exposure creeps in when newly listed cryptocurrency companies are added to indexes, or when companies that investors already own - directly or through indexes - venture into activities involving bitcoin or other cryptocurrencies, said MSCI.

Crypto-exposed companies include 26 constituents of the MSCI ACWI Index, the company's flagship global equity index that gauges the performance some large- and mid-cap stocks in 23 developed and 27 emerging markets. The index includes more than 2,900 constituents across 11 sectors.

Meanwhile, investors with crypto exposure may also be running counter to their ESG goals.

Environmental risks from cryptocurrencies include greenhouse-gas emissions from energy usage and electronic waste. Governance risks include boards of cryptocurrency-exposed companies needing to adapt risk-management policies to issues such as cybersecurity and anti-money laundering practices.

Read the original article on Business Insider

Last reply by Eric Bergeron on Thu, 14 Oct 2021 20:31:43 +0000

Actor William Shatner (left) and Blue Origin founder Jeff Bezos.

AP Photo/Steven Senne/Tony Gutierrez/AP

• William Shatner took a light jab at Blue Origin's Jeff Bezos in a Today Show interview on Thursday.
• The "Star Trek" actor said, "I don't want to throw Skittles - I want to look out the window."
• Bezos had thrown Skittles with Dutch teenager Oliver Daemen on his Blue Origin flight in July.

When William Shatner went up into space on Wednesday, he spent a lot of time glued to the window, gazing down at Earth.

Now, the 90-year-old "Star Trek" actor has made a light jab at someone who didn't quite do the same.

Blue Origin's first human spaceflight took place in July, launching into space CEO Jeff Bezos, his brother Mark Bezos, 82-year-old aviator Wally Funk, and Dutch teenager Oliver Daemen.

During their brief stint in zero gravity during the flight, Bezos threw Skittles with Daemen, with each trying to throw the candies into the other's mouth.

Shatner referenced their game in an interview on The Today Show on Thursday, speaking about his own experience with weightlessness on the New Shepard rocket.

"You're floating," he said. "I don't want to turn somersaults, I don't want to throw Skittles - I want to look out the window."

In a video showing the four passengers of Wednesday's flight during their 11-minute trip, Shatner can be seen staring down at Earth, saying, "No description can equal this."

With the conclusion of the 11-minute trip, Shatner became the oldest person to ever reach space. After landing back on Earth, he thanked Bezos for the flight.

"What you have given me is the most profound experience," Shatner told Bezos. "I am so filled with emotion about what just happened. It's extraordinary."

Read the original article on Business Insider

Final Trades: Charles Schwab, TJX, Shake Shack & More from CNBC. ...

The post Clips From Today’s Halftime Report appeared first on The Reformed Broker.

Prices reached multiyear highs after smelters, facing soaring energy bills and pressure to cut their carbon emissions, curtailed production.

okdiario.com – 14 Oct 21 ¿Por qué sube Naturgy en Bolsa tras la OPA de IFM?

Tras la OPA de IFM las acciones de Naturgy suben en Bolsa en contra de lo esperado por el mercado. La razón estaría en el cierre de cortos.

Last reply by porkchopexpress on Thu, 14 Oct 2021 20:27:26 +0000

According to Goodreads, the best Kristin Hannah books include "The Nightingale," "The Great Alone," "Firefly Lane," and "The Four Winds."

Amazon; Rachel Mendelson/Insider

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• Kristin Hannah is the bestselling author of over 20 books, most recently "The Four Winds."
• She writes romance books, historical fiction novels, and stories with magical twists.
• Goodreads members' top favorites include "The Nightingale" and "The Great Alone."

Kristin Hannah is an award-winning and bestselling author perhaps best known for "The Nightingale" and "Firefly Lane," the latter of which has become a hit Netflix show. Though Hannah primarily writes moving romances with devastating twists, her more recent works have been vivid historical fiction stories that transport readers through time.

To rank Kristin Hannah's best books, we turned to Goodreads members. With over 125 million users, Goodreads lets readers rate, review, and recommend their favorite novels. So whether you're a new Kristin Hannah reader wondering where to start, or a long-time fan looking for a new read, we've ranked the best Kristin Hannah books, according to Goodreads members.

'The Nightingale'

Amazon

"The Nightingale," available on Amazon and Bookshop, from $11.15

With nearly 600,000 five-star ratings on Goodreads, "The Nightingale" is Kristin Hannah's most popular book. Set during World War II, this deeply moving novel focuses on two sisters living through the Nazi occupation of France. While 18-year-old Isabelle courageously risks her life to join the Resistance, Vianne is left at home to protect her daughter and herself as a German captain requisitions her home in her husband's absence.

'The Great Alone'

Amazon

"The Great Alone," available on Amazon and Bookshop, from $11.69

When Ernt Allbright returns from the Vietnam war broken and volatile, he impulsively moves his family to the Alaskan wilderness, determined to live off the land amongst other fiercely independent locals. But as the brutal winter darkness sets in, the Allbright family discovers they are far less physically — and mentally — prepared than they thought.

'Firefly Lane'

Amazon

"Firefly Lane," available on Amazon and Bookshop, from $9.19

In this powerful story about the magic of friendship, Tully and Kate became inseparable friends during the summer of 1974, forming a bond that would last a lifetime. As the decades pass, Tully and Kate act as buoys in each other's turbulent lives — until a devastating act of betrayal puts their bond to the ultimate test.

'The Four Winds'

Amazon

"The Four Winds," available on Amazon and Bookshop, from $14.49

As the Great Depression continues to devastate Americans in the early 1930s, a ruthless drought tears through Texas, leaving families torn between fighting for their land and heading west for the chance of a better life. A portrait of the strength of American women, this historical fiction novel follows young Elsa Martinelli as she agonizes over her own choice during the Dust Bowl era, a particularly dark period of history.

'Winter Garden'

Amazon

"Winter Garden," available on Amazon and Bookshop, from $7.56

"Winter Garden" is a novel that explores the intricacies of a mother-daughter bond through Meredith and Nina, two starkly different sisters who are brought home over their father's illness. With little connection besides old memories and their mother's disdain, the sisters finally learn the devastating truth of their mother's past, revealing more about their family and themselves than they ever knew.

'Night Road'

Amazon

"Night Road," available on Amazon and Bookshop, from $10.56

Jude is a stay-at-home mom who always puts the needs of her children ahead of her own. So when former foster child, Lexi, enters her twins' lives, she welcomes her in and the three kids become inseparable. But when a terrible accident happens, everyone blames Lexi and she's forced to leave behind the closest thing to family she's ever known. Years later, Lexi returns to face Jude, the past, and the night that changed their lives forever.

'Fly Away'

Amazon

"Fly Away," available on Amazon and Bookshop, from $10.67

"Fly Away" is the touching sequel to "Firefly Lane" and while it can be read as a standalone novel, it's recommended to read "Firefly Lane" first to truly understand the depth of heartbreak in this book. As Kate struggles against her battle with breast cancer, her best friend, Tully, promises to be there for her children in any way she can. As Tully and Kate's family reel from grief, Tully struggles to keep Kate's daughters safe and come to terms with her own past in this story about forgiveness and redemption.

'Magic Hour'

Amazon

"Magic Hour," available on Amazon and Bookshop, from $10.26

After a sudden tragedy ruined her career as a child psychiatrist, Dr. Julia Cates returned to her hometown to quietly recover. When she meets a peculiar six-year-old girl who seems to have emerged from the nearby woods, Julia dedicates herself to saving the child — even if it means asking for help.

'Home Front'

Amazon

"Home Front," available on Amazon and Bookshop, from $10.89

Defense attorney Michael and soldier Jolene have been married for 12 years and are already struggling through everyday life when Jolene is sent on a dangerous deployment and Michael is left caring for their daughters back home. In this story of love, loss, war, and duty, Jolene tries to quell her family's fears from the other side of the world until tragedy strikes and leaves Michael living his worst nightmare.

'True Colors'

Amazon

"True Colors," available on Amazon and Bookshop, from $8.39

"True Colors" is a heartfelt family story that follows the Grey sisters, whose bond strengthened as they leaned on each other when their mother passed away. After a devastating event threatens to tear their sisterhood apart, the girls must fight through the tension to forgive each other in this compelling and emotional story loved for its romantic and dramatic elements.

'Between Sisters'

Amazon

"Between Sisters," available on Amazon and Bookshop, from $8.49

When Meg was 16 and Claire was nine, a misunderstanding led the sisters to an estrangement that it seemed would last a lifetime. But as Claire's wedding day quickly approaches, Meg decides to take time off from her successful law career to help Claire and try to reignite their bond, hoping to become the family they always wanted.

'On Mystic Lake'

Amazon

"On Mystic Lake," available on Amazon and Bookshop, from $10.19

When Annie Colwater's husband tells her that he's in love with a younger woman, she returns to her hometown to heal and is reunited with her first love, Nick Delacrox. As Nick recovers from his own loss and tries to help his daughter do the same, the three find comfort in each other — until a shocking twist forces Annie to make an impossible choice.

'Summer Island'

Amazon

"Summer Island," available on Amazon and Bookshop, from $7.35

Ruby hasn't spoken to her famous talk show-host mother in more than a decade, resentful after Nora chose to walk out of their home, leaving her husband and daughters behind. So when a shocking scandal from Nora's past is exposed, Ruby is offered a small fortune to write a tell-all book. Returning to her family home, Ruby confronts her mother's past and her own in this exhilarating Kristin Hannah read.

'The Things We Do for Love'

Amazon

"The Things We Do for Love," available on Amazon and Bookshop, from $8.27

Angela DeSaria Malone thought her life would unfold perfectly just as it had for her sisters and cousins: High school, college, marriage, motherhood. But when Angela and her husband divorce after she repeatedly fails to get pregnant, she moves back to her hometown and meets a teenage girl who will change her life forever.

'Angel Falls'

Amazon

"Angel Falls," available on Amazon and Bookshop, from $5.98

"Angel Falls" is an inspirational romance novel about Liam Campbell, who sits at his wife's bedside every day despite the doctor's warning that she may never wake from her coma. When Liam discovers a painful secret from his wife's past — a previous marriage — he knows he must solicit the help of her ex-husband in the desperate hope for her recovery.

'Distant Shores'

Amazon

"Distant Shores," available on Amazon and Bookshop, from $8.99

Elizabeth and Jackson Shore appeared to live a beautiful and happy life but when their daughters leave home, the couple finds themselves slowly drifting apart. When Jack gets an amazing job opportunity, Elizabeth decides to follow him — until a horrible tragedy forces her to question everything about her life and decide who she wants to be.

'Home Again'

Amazon

"Home Again," available on Amazon and Bookshop, from $8.99

Dr. Madeline Hillyard is a famous heart surgeon whose teenage daughter feels more like a stranger to her every day: Angry, resentful, and desperate to find the father that abandoned her so many years ago. When her father, Angel DeMarco, comes back into their lives despite his devastating betrayal, it's in search of help as a patient.

'Comfort & Joy'

Amazon

"Comfort & Joy," available on Amazon and Bookshop, from $10.36

In this holiday-themed story, Joy Candellaro is struggling to find her Christmas spirit after her divorce and spontaneously buys a ticket to the Pacific Northwest, hoping for an adventure that will reignite her enthusiasm for life. In a small town, Joy meets six-year-old Bobby who, along with his father, is struggling to celebrate the holidays after losing his mom. Together, Joy, Bobby, and Daniel help each other heal and find the courage to believe in love and family once again. 

'If You Believe'

Amazon

"If You Believe," available on Amazon and Bookshop, from $8.27

"If You Believe" is a demonstration of the emotional intensity Kristin Hannah is able to convey in a novel. When professional fighter Mad Dog Stone answers an ad to live and help on an apple farm before his next fight, he meets Mariah Throckmorton, self-exiled and hiding from a scandalous past. Against all odds, the two begin to fall for each other. As they confront their pasts, they must decide if they should stay in each other's lives or let their love fade with the season. 

'Waiting for the Moon'

Amazon

"Waiting for the Moon," available on Amazon and Bookshop, from $7.69

Selena can't remember who she is or how she came to be in a beautiful mansion on the Maine coast, but she finds comfort in a strange physician-turned-recluse she meets nearby. Ian Carrick is haunted by a telepathic gift that destroyed his career but when he meets Selena, he finds she's the only one whose thoughts he can't hear. Selena and Ian bring light into each other's dark lives and help each other heal, even as a figure from the past threatens to end their fantasy romance.

'Once in Every Life'

Amazon

"Once in Every Life," available on Amazon and Bookshop, from $7.99

When brilliant research scientist Tess Gregory suddenly dies before she can fulfill her longings for a husband and child, an angel allows her to choose the life into which she'd be reincarnated. Waking in a hospital bed, Tess finds herself in the body of a post-Civil War woman with a husband, children, and plenty of family and marital problems that she must conquer if she wants to find her magical love story after all.

'When Lightning Strikes'

Amazon

"When Lightning Strikes," available on Amazon and Bookshop, from $8.99

In this time-travel romance, Alaina Costanza, a romance writer, is thrust straight into the wild west of her most recent novel during a peculiar storm. When she's kidnapped by her own character, the handsome outlaw Killian, the two fall into a whirlwind romance that they know must end if Alaina has any chance of reaching her child, left behind in the present.

Read the original article on Business Insider

I tried Abbott's BinaxNOW rapid antigen test.

Andrea Michelson

• I tested myself for COVID-19 from the comfort of my bedroom.
• I had never taken a rapid test before, but the instructions were easy to follow.
• Rapid antigen tests are convenient, but they're not as sensitive as PCR tests.

I made it through 2020 and most of 2021 without taking a rapid COVID-19 test. I've been careful about masking up and socializing outside, so I haven't had many COVID scares.

Andrea Michelson

I got a couple PCR tests last year when I wanted to be sure I was healthy — after coming home from college to visit my family, for instance. I trusted the gold-standard test wouldn't steer me wrong, especially if I quarantined before taking it.

Since then, rapid antigen tests have become more widespread. Antigen tests quickly scan for fragments of the virus' genetic material, which is a good way to know if you're infectious or not. But they don't detect the virus with as much sensitivity as PCR tests, so there's a greater chance of getting a false negative.

The convenience of getting a result in 15 minutes appealed to me, but I knew I would have to take it with a grain of salt. Experts say rapid tests are most helpful if used for frequent screening, like testing every three days.

I picked up a BinaxNow test from Walgreens to have on hand. The Walgreens by me had plenty of rapid tests, but other drugstores have sold out.

Andrea Michelson

A few weeks ago, I bought a BinaxNOW self-administered antigen test kit for $23.99. Walgreens had plenty of the two-test packs, and I heard they were hard to find.

A colleague told me they were capped at one test kit when ordering online from Walgreens. Other pharmacies also limit how many tests you can buy due to high demand. CVS allows four tests per customer in stores, or six per purchase online.

I opened the test kit to find two swabs and one dropper. I was skeptical of the tiny dropper at first.

Andrea Michelson

I wondered how someone would make the tiny vial of reagent liquid — the juice that mixes with your sample to produce a result — last for two test cards, but soon found another dropper hiding in the box.

The test kit also came with two wrapped test cards, a fact sheet about antigen testing, and detailed instructions in both English and Spanish.

Following step one in the instructions, I washed my hands before getting started.

I unwrapped the test card and lay it on my desk. The instructions included lots of diagrams and tips for minimizing human error.

Andrea Michelson

Careful not to touch the test strip, I placed the card atop the instruction manual. 

I had a bit of trouble getting the card to lie open, but bending the spine back (as suggested in the instructions) did the trick.

I can see how the process has room for human error. The bubbles worried me at first, but they subsided before I inserted the swab.

Andrea Michelson

The next step was a little trickier. I had to drop some reagent liquid in the correct hole on the test card.

The instructions said to hold the bottle straight, not at an angle, and to make sure to get six drops in. A false negative can occur if there's not enough liquid in the hole.

I tried my best to use enough of the solution, but the dropper spit out several air bubbles along with it. I added an extra drop for good measure, and there was not enough liquid left for a second test when I was done.

I swabbed myself while taking a selfie, which was harder than it looks. Swabbing my own nose was a bit unpleasant, but no worse than getting a test at a clinic.

Andrea Michelson

Then came the dreaded swab. The kit was pretty well-designed for minimizing human error on this step: I removed the swab at the stick end, and inserted the soft tip into my nostril.

The instructions say to make at least five big circles per nostril, or swab for 15 seconds on each side. I counted to 15, eyes watering, and then repeated on the other side.

I inserted the swab into the test card, closed it, and waited. Turning the swab ensures that it's coated in the reagent liquid.

Andrea Michelson

I slid the snotty swab tip though the two holes in the test card as instructed. I'm glad the directions included a diagram for this step.

Before closing the card, I made sure to turn the swab to the right three times to mix my sample with the reagent drops.

I feel pretty confident I'm COVID-free after seeing my negative result. The final product reminded me of a wrapped lollipop.

Andrea Michelson

The test kit advertises results in 15 minutes, but I waited 25 just to be safe.

My test card was identical to the negative result diagram, with a single pink line where it said "control." There wasn't even a hint of a second line, which would indicate a positive result.

If I had reason to believe I was exposed to the coronavirus, I would take a couple more rapid tests this week to be sure I was negative. But given that I'm fully vaccinated and haven't come into contact with any sick people to my knowledge, I feel good about my result.

Read the original article on Business Insider

Pero que tienes 80 años? jajaja

Good afternoon. Here are the top stories so far today.

For more daily and weekly briefings, sign up for our newsletters here.

What happened today:

• Steve Bannon could face charges. The bipartisan committee investigating the January 6 Capitol riot hopes to pursue criminal contempt charges against former White House chief strategist Steve Bannon, who defied its subpoena to sit for a deposition. The investigation is also a backdrop for a legal showdown between Trump and Biden over executive privilege.
• FDA panel backs Moderna boosters. A panel of independent experts convened by the FDA supported offering an extra dose of the Moderna shot to adults 65 years and older, as well as younger adults who are at high risk of severe COVID-19. The recommendation, backed by a 19-0 vote by the committee, clears the way for the FDA to authorize a booster of Moderna's vaccine for more people.
• Bill Cosby served with another lawsuit. A woman who alleges Bill Cosby sexually assaulted her multiple times, including drugging and raping her on a trip to Atlantic City in 1990, filed a federal lawsuit Thursday. She is among dozens of women who've accused Cosby of sexual misconduct over the years. Cosby was released from prison in June when another conviction was vacated.
• LinkedIn is shuttering in China. LinkedIn will close its local version in China this year after coming under fire for censoring accounts that shared content considered offensive to China's government. "While we've found success in helping Chinese members find jobs and economic opportunity, we have not found that same level of success in the more social aspects of sharing and staying informed," said Microsoft, which owns the platform.
• Wendy Williams takes a break. Wendy Williams will not return to her show next week as she is dealing with "serious" health complications. She's "experiencing serious complications as a direct result of Graves' Disease and her thyroid condition," according to the show's Instagram.

That's all for now. See you Friday.

Read the original article on Business Insider

Con mucha magra y poco gordo.

Citi and Bank of America post quarterly results that top analyst estimates

Citi and Bank of America post quarterly results that top analyst estimates

Though you can't use PayPal to pay for Amazon purchases directly, there are a few things you can do instead.

Marko Geber/Getty Images

• Amazon doesn't let you pay with PayPal when making purchases.
• However, you can use the PayPal Cash Card or PayPal Key to make purchases on Amazon.
• You can also use PayPal to buy an Amazon gift card, and then make purchases on Amazon.
• Visit Insider's Tech Reference library for more stories.

In the world of online shopping, Amazon and PayPal are widely used. However, if you've tried to use your PayPal balance to purchase something on Amazon, you'll already know that PayPal is not an accepted payment method.

Of course, you can transfer your PayPal balance to your bank account to use those funds however you please, but if you're set on using it to buy things on Amazon, there are some workarounds to make it happen.

Can you use PayPal on Amazon?

Amazon doesn't let you pay with PayPal directly, but you can use the PayPal Cash Card or PayPal Key to make purchases. You can also use PayPal to buy Amazon gift cards.

Here's how to do it all.

Pay with the PayPal Cash Card

PayPal Cash Card is a debit card that draws funds from your PayPal account, and it works anywhere (online and physical stores) that accepts Mastercard payments (like Amazon). Since it's a debit card, not a credit card, you need to have a balance on your PayPal account to use a PayPal Cash Card.

To apply for a PayPal Cash Card, simply go to this link, log in to your PayPal account, and follow the on-screen prompts. While there isn't a credit check involved in the application process, note that PayPal charges fees for adding money to your account.

Click "Get the Card" to start the process of applying for a PayPal Cash Card.

Abigail Abesamis Demarest

Once approved for a PayPal Cash Card, you can use it as a payment method on Amazon the way you would with any other credit or debit card.

Use PayPal Key

PayPal Key is a virtual card that gives you access to your PayPal account when shopping online from vendors that accept Mastercard. It's similar to the PayPal Cash Card with the key difference being that there's no physical card; just a card number, expiration date, and security code. Essentially, it's a virtual card number that lets you use your PayPal balance with online merchants that don't directly accept PayPal as a payment method.

To apply for PayPal Key, log in to your PayPal account and look for the PayPal Key option. Since this is a new product, it's not currently available to everyone just yet.

This user's account summary page does not show an option for PayPal Key.

Abigail Abesamis Demarest

Once approved for PayPal Key, you can use it to buy things on Amazon as if it were any other credit or debit card.

Buy Amazon gift cards

One of the easiest ways to use PayPal to buy from Amazon is to purchase Amazon gift cards with your PayPal account. You can buy an Amazon gift card from a site like eGifter.com using a PayPal balance and then use that gift card to shop normally on Amazon.

Just be sure you verify that the site from which you're buying a gift card is safe and secure.

Quick tip: For more places to buy an Amazon gift card, see our article here.

Why doesn't Amazon accept PayPal directly?

There are two major reasons that Amazon does not work with PayPal. First, historically PayPal was a part of eBay, one of Amazon's direct competitors. From 2002 to 2015, PayPal and eBay were linked together. PayPal has since split into an independent brand, but their partnership with eBay remains strong.

Second, PayPal is a direct competitor to Amazon's own payment service, the rather bluntly named Amazon Pay. Just as with PayPal, Amazon Pay is accepted by numerous third-party retailers, letting you use Amazon payment methods beyond the immediate orbit of Amazon itself.

What is Amazon Prime? The benefits of Amazon's popular membership program, and whether it's worth the costHow to cancel your Amazon Prime Video subscription through Amazon's websiteHow to set up a PayPal account and link a bank account or credit cardRead the original article on Business Insider

Los errores de los directivos pueden resultarles caros a sus empresas. Las decisiones que toman los máximos responsables de las compañías son cada vez más relevantes y, si se cometen errores, pueden conllevar a un alto coste económico para la firma que representan. Según datos de Hiscox, el mayor importe por gastos de defensa en un siniestro de su póliza Hiscox D&O alcanzó los 215.000€.

Coincidiendo con el Día Internacional del Jefe, Hiscox desvela los errores más comunes de Administradores y Directivos, así como el coste económico que han supuesto para las empresas. Estas coberturas están referidas a gastos de representación legal y defensa, gastos de crisis y restitución de la imagen, actos incorrectos en materia de empleo o reclamaciones por contaminación medioambiental. Incurrir en una de estas faltas puede poner en compromiso la integridad de las empresas por paralización de su actividad comercial, pero también de los propios directivos, ya que las indemnizaciones y costes legales en muchos casos deben ser satisfechas con su propio patrimonio.

• Problemas en las Inversiones: Una de las decisiones más frecuentes que tienen que tomar los directivos es dónde invertir y una mala gestión de los presupuestos puede traducirse en pérdidas económicas para la empresa y en posibles actuaciones legales y petición de responsabilidades. En España se han dado casos de gerentes de promotoras inmobiliarias que tras una mala decisión de inversión han generado grandes pérdidas a la sociedad, viéndose obligados a pagar hasta 300.000€ de indemnización, costes de defensa aparte. De la misma manera, puede darse el caso de que una decisión tomada por un directivo o administrador sin consultar, como compra de maquinaria para mercados sin demanda, lleve también a reclamaciones, con las consiguientes indemnizaciones y costes legales.

• Acoso y Discriminación: las empresas son cada vez más abiertas e inclusivas, con políticas activas de igualdad en relación a género y nacionalidad, entre otras. Una demanda por un supuesto acoso laboral, del tipo que sea, puede conllevar procesos judiciales y pago de daños morales en concepto de indemnización en caso de que se determine que tal acoso no ha existido. En algunos casos ha llegado a alcanzar los 54.000€.

• Mala gestión de Declaración de Concurso de acreedores: las declaraciones de concursos de acreedores siempre incluyen situaciones delicadas que deben ser llevadas acorde a la ley. Una mala gestión de una empresa puede desembocar, por ejemplo, en la demanda de los empleados a los gerentes, responsabilizándoles de la situación y la pérdida de sus puestos de trabajo, con el consecuente juicio y gastos en la defensa, que han llegado a alcanzar en algunos casos los 150.000€.

• Delito Ecológico: la sostenibilidad es un factor que cada vez tienen más en cuenta tanto las empresas como los consumidores. Infringir las leyes medioambientales puede llevar a demandas, tanto de particulares como de instituciones públicas, que pueden acarrear costosos procesos judiciales que pueden alcanzar cifras superiores a 70.000€.

Los Seguros D&O, cada vez más necesarios

Los seguros D&O estaban asociados de forma tradicional a grandes empresas o a financieras, y no se contemplaban para pymes, a causa de sus altos costes y la poca utilidad que se les veía. Con el paso de los años, las sensibilidades y objetivos de las empresas también han cambiado y con ellas, las responsabilidades de sus directivos, que ahora también implican temas como la sostenibilidad, la igualdad social, la prevención de riesgos laborales y la exposición a las crisis. Fruto de ello han surgido nuevos productos especializados, ajustados al mercado de las pequeñas y medianas empresas, que han puesto de relevancia su importancia y, sobre todo, su necesidad.

“Nos dimos cuenta que era posible ofrecer un seguro con garantía a las pymes españolas y, más importante que eso, que era necesario que existiera. Los seguros D&O son cada día más importantes y los riesgos asociados no entienden de tamaños de empresa ni del sector al que se dedican. Los seguros no sólo ayudan a mitigar el impacto de una demanda cuando se produce por un error en su gestión, sino que también ayudan a recuperar la normalidad con servicios añadidos como el de gestión de crisis de imagen. Es un servicio integral y una protección no sólo para las empresas, sino para los propios directivos” señala David Heras, director general de Hiscox Iberia.

La entrada Hiscox calcula que un error de un directivo puede costar a la empresa 215.000€ en defensa legal aparece primero en DiarioAbierto.

Former Health and Human Services Secretary Tom Price testifies during his confirmation hearing on January 18, 2017.

Alex Wong/Getty Images

• Former HHS Secretary Tom Price still has $1.4 million left in his old congressional campaign account.
• The FEC recently sent a letter to the committee asking what it intends to do with the funds.
• Price spent over $450k in taxpayer money on charter flights during his time as Trump's health secretary.

Former Health and Human Services Secretary Tom Price still has $1.4 million left in his old congressional campaign account, and the Federal Election Commission wants to know what he'll do with it.

Price represented Georgia's 6th congressional district from 2005 to 2017, when he was selected by former President Donald Trump to serve as Secretary of Health and Human Services. He resigned less than a year later amid criticism for using taxpayer money to travel on charter flights around the country.

"Your most recent report discloses a significant amount of residual cash on hand," reads the letter from the commission, referring to the leftover campaign cash. "Please explain the committee's intended use of the residual campaign funds. If the candidate intends to terminate the committee, redesignate the committee as a principal campaign committee for a future election or convert it to a multicandidate political committee, please note this for the public record."

Myles Martin, a spokesman for the FEC, told Insider that the commission sends letters to campaign accounts that appear to be largely dormant but have above a certain threshold of cash left on hand. The FEC began sending these kinds of letters to campaigns in July 2018 as part of an effort to ensure better compliance with federal law.

The letter gives Price's campaign 35 days to respond. If they don't, the commission could potentially move towards compelling Price to close down the old account, Martin said.

"Be aware that committee assets, including cash-on-hand, may not be converted to personal use," the letter warns.

The committee has been fairly active, spending roughly $500,000 altogether in the 4 and 1/2 years since Price left Congress. More recently, Price donated $500 in June to Turning Point USA, a conservative group active on college campuses. He also sent $2,500 to the George Republican Party in April and $2,000 to Rep. Adam Kinzinger - an anti-Trump Republican from Illinois - in March.

Price's campaign also contributed $100,000 to the "Keep America America Action Fund," a super PAC that supported the doomed campaigns and former Sens. Kelly Loeffler and David Perdue of Georgia ahead of the January 2021 runoffs. Other contributions in the last few years include $35,000 sent to Senate Republicans' campaign arm in 2019, 2 payments of $2,000 to Rep. Marjorie Taylor Greene's Republican primary opponent, and a variety of charitable causes.

Reached by phone, the committee's treasurer Paul Kilgore said he was unable to answer any questions about what the committee might do in the future. "I'm just the treasurer, I don't speak for the committee itself," he said before hanging up. A request for comment sent to the campaign's email did not receive an immediate response.

The use of leftover cash is notable for Price, who gained notoriety for spending $456,000 in taxpayer funds on charter flights during his brief tenure in the Trump White House. The Washington Post recently revealed new details of Price's use of charter flights via a recent release of government documents. Price later paid nearly $60,000 to the government to compensate for his travel costs.

Ultimately, provided that he's responsive to the commission, Price can choose to keep the old campaign account active indefinitely, spending the sum of old political contributions on various candidates and causes in a practice that has been labelled "zombie campaigning."

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Table of Contents: Masthead Sticky

• Every household should have an accurate digital thermometer and know how and when to use it.
• The CDC recommends checking your temperature before heading to work, school, or other public places.
• Our top pick, iProven's DMT-511, reads accurately in 1 second and can be used in-ear or on forehead.
• This article was medically reviewed by Benjamin Hoffman, MD, professor of pediatrics at Oregon Health and Science University.

Having an accurate thermometer on hand can help tell you how severely the body is in distress - whether it's confirming that you or your baby is ill enough to need a doctor or the hospital, or if your systems are safe after being exposed to dangerous weather.

A fever also one of the key symptoms of COVID-19, and many businesses, school, gyms, and other public places as you to confirm you don't have one before entering. (It's worth noting that influenza usually produces higher fevers than common colds, and not everyone with COVID19 even spikes a fever.)

Luckily, getting a quick temperature reading is remarkably easy and safe these days. But the biggest variable among thermometers you can buy is really just: Is it accurate? That's why I tested 10 leading thermometers, in addition to speaking with many experts and parents on which type of home thermometer is best and other FAQs on therometers and fevers.

Here are the best thermometers to check for a fever:

• Best thermometer overall: iProven Forehead and Ear Thermometer DMT-511
• Best thermometer on a budget: Vicks Comfort Flex Thermometer
• Best infrared non-contact thermometer: iHealth No-Touch Forehead Thermometer PT3
• Best thermometer for daily testing: Kinsa Quick Care Smart Thermometer
• Best thermometer for kids: Exergen Temporal Artery Thermometer with Smart Glow

How we tested thermometers

Molly Hebda/Insider

I reached out to a number of pediatricians for their expert opinion on thermometers and read journal articles, "Consumer Reports," customer reviews, and even spoke with 20 parents about their temperature-taking experiences.

I narrowed it down to the top 10 thermometers and tested each myself nine times over the course of three days on myself and my two kids, as well as a handful of times on my sister and two of my nieces, one of whom is an infant. I also handed off two of the infrared thermometers to Cindy Mrotek, owner of A.C.E Behavior Solutions, an essential business screening adults and children with special health care needs upon entry, for testing over the course of one week.

I looked at each product's speed, size of display, mute options, memory recall, batteries, warranty options, and storage containers. I also looked hard look at:

• Accuracy, precision, and readability of thermometer instructions: You have to use a thermometer correctly for an accurate reading, so I evaluated the information on each product's box and inside its user manual from a health literacy perspective, including how helpful and easy to read the instructions were. Models varied, with some having a quick guide with pictures (great), information in Spanish (big bonus), or a QR code for video instructions, while others had print so tiny you need a magnifying glass to read it.  
• Cost and availability: Since thermometers are an essential part of an at-home health kit, they need to be affordable. Some on our list are the price of two cups of coffee, while others are upwards of $30, but we also layout how you can save money on a thermometer by using your health savings account or flex spending account. 

Best thermometer overall

Molly Hebda/Business Insider

The iProven Forehead and Ear Thermometer DMT-511 is highly impressive with an accurate instant read in just one second, versatile use, and comprehensive instructions on quality packaging. 

Pros: User friendly, easy to read, nice storage pouch, precise, can be used either contactless or in-ear

Cons: Cap to change methods difficult to snap on, no probe covers 

The iProven DMT-511 infrared therometer is two-in-one, as it allows you to switch from reading via an in-ear probe or a forehead setting, the latter of which is safer for infants under 3 months old.

It was highly accurate in my tests, reading within 0.5-1.0 degrees again and again for forehead readings and within 0.5-0.8 degrees for ear mode. It also displays the temperature within one second.

There are separate buttons for "head" and "ear," and to change from one to the other, you need to snap on or off the top cap of the thermometer, which I found a little difficult but still doable.

To get an accurate ear temperature,  you have to insert and place the probe top correctly, so be sure to read the instructions thoroughly. It took me a couple of tries to feel confident taking my own temperature this way.

I liked that it has a fever alarm and color temperature indication to take the guesswork out of interpreting the readings. The manual also includes a very comprehensive comparison table on how to interpret measurements based on age and method. The thermometer can also store up to 20 past readings for easy comparison. 

The devices comes with two AA batteries, a soft pouch for storage (great for travel and diaper bags), and cleaning instructions. It also comes with a two-year limited warranty and the option of an extended year warranty for free.

Best budget thermometer

Molly Hebda/Business Insider

The Vicks Comfort Flex Thermometer was the most affordable of the thermometers tested, easy to use, and has a large digital screen with color-coded readings to indicate fever.

Pros: Affordable, multiuse, precise, large digital display, comes with probe covers

Cons: Very loud beep, must turn off and on between readings, colored fever alerts misleading, coin cell battery is more annoying to replace 

The Vicks Comfort Flex Thermometer is easy to use right out the box: There's only one button and you have the option to use the device orally, rectally, or under the arm. Its runs on an included coin cell button battery.

I found the large digital display to be the easiest to read of all the thermometers I tested. It also beeps the loudest of the group, which is especially helpful for seniors with visual and hearing impairments, but also could be a nuisance for some considering the beeping lasts a full eight seconds.

The LCD screen uses a color temperature indication alongside displaying the actual number, which is generally helpful but fever isn't the same for everyone so this could be alarmist if you run hot.

The precision and repeatability of the thermometer was quite good in my tests and only varied by about 0.5 degrees. Although the box says the Vicks Comfort Flex Thermometer takes 10-12 seconds to read your temperature, I found it was actually much quicker with a response time of 5 to 6 seconds orally and 6 to 7 seconds rectally. 

It is a little annoying that you have to turn it off and back on to take a second reading, and it is  only able to recall the last reading you took. But I did like that this model comes with 100 disposable probe covers and a protective holder, along with a one-year limited warranty and instructions in English and Spanish.

Best infrared non-contact thermometer

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The iHealth No-Touch Forehead Thermometer PT3 reads in just one second and makes it easy to accurately take anyone's temperature while being socially distant. 

Pros: Fast reading, precise, no beeping, helpful content in user manual  

Cons: Vibration may be missed, prone to user error, doesn't work well for kids that won't sit still

Prior to testing the iHealth No-Touch Forehead Thermometer PT3 myself, I'd already seen it in action for pre-screening at both my dentist's office and my daughter's daycare. It seemed like a good product that offered quick readings.

When I tested it myself, I found that first impression held up. Instead of a beeping alarm, the device vibrates once it has a reading, which also lights up the LED display. This is nice if you don't want a loud noise, and upon testing, I found the precision and repeatability varied only by 0.5 degrees. 

I also had Cindy Mrotek, whose business A.C.E Behavior Solutions screens people upon entry, try it out and she said the iHealth was a faster read compared to other infrared thermometers. However, she added it was a bit difficult to use on kids that can't sit still. I myself found the device woudn't read if it was too far away from the skin.

The iHealth comes with a user manual in English and Spanish, a quick guide with pictures, two AAA batteries, and cleaning instructions. It also has a one-year limited warranty. 

Best thermometer for daily testing

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If you're tech-savvy and looking for a great smart thermometer, the Kinsa Quick Care Smart Thermometer can be used three ways and even allows you to contribute to public health research. 

Pros: Diverse way to read temps, can support multiple family members and keep temperature records separate, has great app features, contributes to public health research  

Cons: Needs app to work, does not include probe covers,

Every morning, I have to self-certify that my kids are free of COVID-19 symptoms before sending them off to school. A smart thermometer like the Kinsa — which stores all the readings for each individual family member on my phone and helps me monitor their baseline temperature — makes that daily routine much easier to manage.

The Kinsa Quick Care Smart Thermometer connects to your smartphone via Bluetooth and uses an app, which I found easy to set up. I then created profiles for each member of my family, which includes inputting their birthdays to help the app's algorithm provide appropriate care instructions person to person. You can also add notes, symptoms, and track medication doses within the app.

After each reading, the thermometer displays not only the temperature but a happy, neutral, or sad-face emoji corresponding with fever status.

You can check the temperature orally, under the armpit, or rectally (they also make a separate model specific for in-ear use). Although the box says the response time is 8 seconds, I found it to read a temperature between 2 to 3 seconds when used orally. The precision varies between 0.8 and 0.5 degrees.

Kinsa sits in a really unique space for both thermometers and smart equipment contributing to public health: As Hilary Brueck, Insider's Senior Health and Science reporter, has laid out, the smart thermometer has helped forecast outbreaks of both the coronavirus and the flu, including detecting fever spikes weeks before hospitals and clinics start to see an influx of patients. 

It's an added bonus that using this stellar, versatile, and accurate thermometer can help contribute to predicting COVID hotspots.

Best thermometer for kids

Molly Hebda/Business Insider

The Exergen Temporal Artery Thermometer with Smart Glow was the most accurate and consistent out of all the thermometers I tested and has over 80 peer-reviewed clinical studies to back up its use on children. 

Pros: Most precise tested, suitable for all ages older than three months

Cons: Unintuitive, dim display, plastic cap to protect the sensor easy to lose 

Next to rectal thermometers, temporal artery thermometers are the most reliable way to get an accurate reading on children and babies over 3 months of age. (Use a rectal thermometer on infants under 3 months.) 

With the Exergen Temporal Artery Thermometer, a gentle stroke across a child's forehead captures the naturally emitted heat waves coming from the skin over the temporal artery to give a reading in 2 to 3 seconds. It can store up to eight readings. 

When tested repeatedly, the Exergen thermometer delivered the most consistent and precise results of any model tested on myself and my kids — within 0.3 degrees.

However, unlike other models with backlight displays, the Exergen has a relatively small LCD display screen with a dim readout. It may be hard to see if you are in a dark room. 

However, unlike others, this thermometer wasn't as intuitive to use, despite having instructions printed directly on the back of the device, I wasn't sure if I was correctly stroking the top of the unit across the forehead. But the instruction manual had a QR code which led to videos demonstrating how to use it, which was helpful. 

The model comes with a 9V battery already installed, cleaning instructions, and a five-year limited product warranty.

Read our guide to the best thermometers for babies and children for additional options. What else we considered

Molly Hebda/Business Insider

What we recommend

Braun Thermoscan 7 Ear Thermometer ($38): This is a fantastic in-ear thermometer with much peer-reviewed research to back it up, and not only do we recommend it but many parents I spoke with already own it. The downsides are it takes 10 seconds to read a temp, and it's the most expensive option I tested — especially when you factor in the disposable lens filters that need replacing for accuracy and hygiene.

Dr. Talbot's Infrared Forehead Thermometer, Non-Contact ($19.89): This device has comparable precision and speed to the iHealth and is designed for contactless reading of infants over 3 months, including adults. I liked this device and it was easy to operate, but it's more expensive than the iHealth and was difficult to change the settings using only the trigger. 

Kinsa Smart Ear Thermometer ($39.99): The Kinsa is super sleek and easy to use on yourself, which can be tricky for the ear. I also found the app to be tremendous in terms of content with very helpful instructions. Even though the readings only took a second, the precision tended to vary by 1.5 degrees.

What we don't recommend

CVS Health Flexible Tip Digital Thermometer ($18.49): This unit was disqualified because did not function at all. 

Vicks SpeedRead Digital Thermometer with Fever InSight ($9.72): Despite being called "SpeedRead," this device took 8 seconds to deliver a reading — slower than its cousin, the Vicks Comfort Flex, our best budget thermometer. Plus, I found the SpeedRead to have a metallic taste. 

What we're looking forward to trying

Exergen Temporal Artery Thermometer Original ($42.99): We were unable to test this due to an inventory shortage at the time we were evaluating thermometers for this guide.

Which type of at-home thermometer is best?

Your basic digital thermometer options to choose from are: 

• Single-use stick thermometer (marketed for rectal only) 
• Multiuse stick thermometer (rectum, mouth, or armpit)  
• Tympanic thermometer (ear) 
• Temporal artery thermometer (forehead)
• Tympanic and temporal thermometer (ear and forehead) 
• Infrared non-contact thermometer (forehead)  

Though there's plenty of apprehension about no-contact thermometers, a column in Ask a Pediatrician by Dr. Elizabeth Murray, an official spokesperson for the AAP, addresses those concerns directly. Murray says that "the claims about their danger are false … It is the infrared energy coming from the person that is being gathered by the thermometer, not infrared light being projected to the person."

All thermometers sold in the United States must meet federal standards and are already calibrated for home use at the time of purchase.

FAQs Which type of thermometer is the most accurate?

Dr. John Vann, a pediatrician in Omaha, told Insider that only a rectal temperature offers a true outpatient reading. "Everything else is an estimate," he said.

"Luckily, the exact number is not usually as important as how the patient looks," he adds. Which is to say, there are other indicators of how severe someone's illness or condition is other than an optimally-accurate temperature reading. There are also reliable methods for checking your temperature even if you don't have access to a thermometer.

No matter if you opt for an infrared thermometer or a strictly ear-based model, it's important to know fever isn't the same for everyone and that it varies by age, gender, and time of day, among other variables. Using a thermometer at various times of the day when you're feeling well gives you an idea of what's normal for you, or your baseline temperature. 

Which is the best thermometer for home use?

Among at-home thermometers, medical research hasn't determined an exact correlation between oral, rectal, ear, armpit, and forehead temperature measurements. But Kaiser Permanente notes that an ear (tympanic) temperature is 0.5 to 1 degree higher than an oral temperature and a forehead (temporal) scanner is usually 0.5 to 1 degree lower than an oral temperature. 

What is the best thermometer to use for COVID?

The best thermometer for COVID is really just one that is accurate and reliable. That means any of the thermometers on our list are great for checking for COVID symptoms. That being said, if you're using the thermometer on more than one person, it's best to use a contactless reader to not cross-contaminate. In that case, we highly recommend the iHealth No-Touch Forehead Thermometer PT3 or the Exergen Temporal Artery Thermometer with Smart Glow, both of which proved to be accurate and reliable in my tests.

Can I use my HSA/FSA funds to buy a thermometer?

If you have an HSA or an FSA account, know that over-the-counter digital thermometers are eligible for reimbursement without a prescription. 

Here's how it works: 

• If you pay with cash or credit card in a store or online, you can request a reimbursement from your HSA/FSA account. Different plans have different requirements on what's needed for reimbursement but usually, a copy of your thermometer receipt will be enough.
• There are HSA and FSA-specific retailers, like the HSA Store and the FSA Store that make shopping for items that qualify for reimbursement really simple. According to both websites, when shoppers use an HSA or FSA card to pay, they typically don't have to submit receipts; purchases on these websites automatically substantiate. It is worth noting, however, that the thermometer options available on these websites are limited and cost more than other retailers. 

What counts as a fever?

Many Americans think anything over 98.6 degrees Fahrenheit is a problem, but what constitutes a fever is actually different person to person.

Rik Heller, a biomedical engineer and thermographic expert, tells Insider, "Age, gender, and even time of day impact normal body temperatures." 

Some children's temperatures especially run higher than others, points out Dr. Jesse Hackell, a practicing pediatrician with New York-based Pomona Pediatrics. Any reading of 100.4 F or higher in a baby younger than 3 months is reason to call the pediatrician. "Another reason to call is if the fever persists for more than 24 hours in children younger than two and more than three days in a child 2 years of age or older," he said.

Meanwhile, older adults tend to have lower baseline temperatures than younger adults; sometimes fevers in the elderly are completely absent.

To figure out what's a fever for you, you want to find your baseline temperature (i.e., what's normal for you) by checking your temperature at various times of the day when you are feeling well. 

At the end of the day, how you or your child is acting and feeling is the best indicator of a fever over the number on a thermometer, multiple of our doctors say.

Our expert sources

• Jesse Hackell MD, FAAP, chair of the American Academy of Pediatrics Committee on Practice and Ambulatory Medicine and a practicing pediatrician with New York-based Pomona Pediatrics, a division of Boston Children's Health Physicians
• John Vann, MD, FAAP, a pediatrician at Omaha Children's Clinic in Omaha, Nebraska
• Dr. Jenifer Johnson, a family medicine physician and internist at Westmed Medical Group in Westchester, NY
• Rik Heller, a biomedical engineer and thermographic expert who founded the clinical-grade thermometer company, Wello
• Cindy Mrotek, business owner of ACE Behavior Solutions
• AP News. Infrared thermometers used for COVID-19 testing do not pose risk to pineal gland. July 28, 2020
• Consumer Reports. Thermometer Buying Guide. September 23, 2016
• NASA. Ingestible Thermometer Pill Helps Athletes Beat the Heat. January 8, 2007
• EPA. Mercury Thermometers. June 26, 2018
• CDC. How COVID19 Spreads. October 5, 2020
• Business Insider. Coronavirus temperature scans are nothing more than pandemic security theater. In some cases, they're dangerous.
• Mayo Clinic. Thermometers: Understand the options. September 15, 2018
• HealthyChildren.org. When to Call the Pediatrician: Fever. November 21, 2015
• HealthyChildren.org. How to Take Your Child's Temperature. October 12, 2020
• HealthyChildren.org. Are Infrared Thermometers Safe? October 15, 2020
• New York Times. Can Smart Thermometers Track the Spread of the Coronavirus? March 18, 2020
• Kaiser Permanente. Fever Temperatures: Accuracy and Comparison. June 26, 2019
• HSA Store website
• FSA Store website

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