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The U.S. States With the Best and Worst Landlords
Renting a home comes with plenty of variables, but one factor can make or break the experience: the landlord. A good one communicates clearly, keeps up with repairs, and makes tenants feel at ease. A bad one can turn everyday living into a source of stress. To better understand how renters across the country view [...]
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The U.S. Cities With the Highest-Rated Tourist Attractions
Some cities are simply better built for visitors. Whether it’s walkable downtowns, scenic views, or standout local landmarks, certain destinations offer more memorable experiences for out-of-towners. And in some cases, the tourist attractions themselves are the reason to go. To find the vacation spots with the highest-rated attractions, we analyzed 10 of the best tourist [...]
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Life Insurance
Can You Sell a Term Life Insurance Policy?
Most people buy term life insurance to ensure their loved ones are financially protected in the event of an unexpected death. But what happens when the original reason for coverage no longer exists, or worse: the premiums become unaffordable? You might wonder if you can sell your term life insurance policy and receive some financial [...]
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Life Insurance
What Happens When a Life Insurance Policy Is Surrendered for Its Cash Value?
Surrendering a life insurance policy is a major financial decision that can bring immediate access to cash, but may also come with significant consequences. When you surrender your policy, you give up coverage in exchange for its cash value… but are there better options out there for you? It’s important to understand how the surrender [...]
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How to Avoid Filial Responsibility
When it comes to family, most of us assume that helping aging parents is a personal choice, not a legal obligation. But in more than two dozen U.S. states, filial responsibility laws could say otherwise. These laws allow certain states to hold adult children financially responsible for their parents’ unpaid medical bills, nursing home costs, [...]
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How to Avoid a Nursing Home Taking Your House
One of the biggest fears families face when navigating long-term care is the possibility of losing their home. The idea that a nursing home might “take” your house can feel overwhelming, especially when you’ve worked hard to build a life and leave something behind for loved ones. While nursing homes themselves don’t directly seize homes, [...]
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The Most Popular Emojis in Every U.S. State
If you’ve ever sent a 😂 in response to a message only to get a confused reply back, you know emojis don’t always translate the same way for everyone. While some people use them effortlessly, others might hesitate, wondering if the laughing emoji means “funny” or “I’m mocking you.” This ambiguity made us want to [...]
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Entertainment
The Cost of Living Near Whole Foods
Have you ever noticed how some neighborhoods seem to flourish around certain stores? We got curious about whether living near a popular retailer like Whole Foods might actually affect how much homes cost in the area. After all, Whole Foods isn’t just any grocery store—it’s a symbol of upscale shopping. So, we at Ovid decided [...]
Entertainment
Every State’s Favorite Classic Disney Movie
Disney movies have enchanted audiences for generations, creating a magical world that transcends age and geography. At Ovid, we understand the value of timeless stories and preserving cherished memories, much like life insurance protects your legacy. But have you ever wondered which classic Disney movie is the favorite in your state? In this blog, we [...]
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Entertainment
An Analysis of America’s Firsts
There’s a first time for everything—whether it’s the electric jolt of excitement from a first concert or the nervous flutter of a first kiss, each first moment holds a meaningful memory that contributes to our life’s story. There are plenty of stereotypes and benchmarks for when these first moments should occur, but life often ensures [...]