Want to build an app in 2025 but don’t code? This beginner-friendly guide walks you through using no-code tools to create something awesome — stress-free.
Want to build an app in 2025 but don’t code? This beginner-friendly guide walks you through using no-code tools to create something awesome — stress-free.
Post consistently (once a week minimum is good)
Respond to comments (build community)
Use thumbnails that pop — bold text, clear image
Watch analytics, but don’t obsess
Create series or playlists so people binge your stuff
And yeah, once in a while, just experiment. Try a tech vlog. Try a skit. Try a teardown. Keep it fresh — for your viewers and your sanity.
Thinking of starting a tech YouTube channel this year? Here's your raw, step-by-step 2025 guide to building, monetizing, and not burning out.
AI is revolutionizing the way we work, and 2025 is no exception. From writing assistance to automated scheduling, these AI tools are game-changers for personal and professional productivity.
Use: Writing, coding, brainstorming, summarizing
Why it’s powerful: Versatile, customizable, with advanced GPT-4-turbo capabilities.
Use: Note-taking, content generation, project management
Why it’s powerful: Seamlessly integrates into Notion for auto-writing and smart organization.
Use: Writing enhancement and communication
Why it’s powerful: Tailors tone, rewrites messages, and improves grammar using AI.
Use: Project management with smart task automation
Why it’s powerful: Offers summaries, action items, and instant content generation within tasks.
Use: Integrated AI in Excel, Word, Outlook, etc.
Why it’s powerful: Saves hours on data handling, summarizing emails, and generating documents.
Use: Marketing copy, ad content, blogs
Why it’s powerful: Fine-tuned for businesses and brand voice consistency.
Use: AI transcription for meetings, lectures, interviews
Why it’s powerful: Converts voice to notes in real-time with speaker identification.
Use: Smart calendar and time management
Why it’s powerful: Automates task scheduling based on priority and availability.
Use: Meeting recording, summarizing, and action points
Why it’s powerful: Syncs with Zoom, Google Meet, Teams, etc., and transcribes with AI insights.
Use: Smart email management
Why it’s powerful: Uses AI to filter and organize your inbox, reducing distractions.
For students who don’t want their dreams crushed by their wallet.
You borrow for college/uni.
You start paying back after the course ends (usually).
Great when you get into a solid school and know you'll land a job.
But beware: if you don’t finish or can’t find work — EMIs won’t care. They’ll still show up.
Wanna buy that bike or car you’ve been dreaming about since you were 15?
Vehicle loans help you own it now, and pay over time.
But pro tip? Vehicles depreciate fast. Don’t go into crazy debt for a car you’ll stop liking in 2 years.
Big one. Life-changer. Also the longest commitment you’ll probably ever make.
You borrow lakhs or crores to buy a home.
Payback time? 15 to 30 YEARS. Yeah. That long.
Sounds scary, but also — it builds equity. It’s an investment, not just a splurge.
This is the “I need cash NOW” loan.
No questions asked (usually). You can use it for anything — wedding, medical emergency, travel, or surviving a bad month.
But here’s the kicker: interest rates are high.
If you’re desperate, it can be a blessing. But if you’re careless? It’s a trap in disguise.
If you aren't looking to lock your money up for a period of time and want easier access to it, you could look at opening a high-yield savings account as an alternative. Below are some savings account options from our partners that can be competitive with the rates you can earn on CDs. It should be noted that unlike a CD, where your rate is locked in, with a savings account the bank or credit union can change your rate at any time.
Pros
Offers a higher rate than you can earn with a savings or money market account
Pays a guaranteed, predictable rate of return, avoiding the volatility and losses that are possible with stocks and bonds
Is federally insured if opened with an FDIC bank or NCUA credit union
Can help fend off spending temptations since withdrawing the funds early triggers a penalty
Cons
Cannot be liquidated before maturity without incurring an early withdrawal penalty
Typically earns less than stocks and bonds can over time
Earns a fixed rate of return regardless of whether interest rates rise during the term
| Company Name | Market Capitalization |
|---|---|
| United Healthcare (UNH) | $448 billion |
| CVS (CVS) | $136 billion |
| Anthem (ANTM) | $109 billion |
| Cigna (CI) | $76 billion |
| Humana (HUM) | $55 billion |
| Centene Corporation (CNC) | $48 billion |
| Molina Healthcare (MOH) | $18 billion |
| Bright Health Group (BHG) | $2 billion |
| MultiPlan Corporation (MPLN) | $2 billion |
| Alignment Healthcare (ALHC) | $1.6 billion |
Market cap data as of March 1, 2022. Source: Yahoo! Finance
Not all insurance companies are publicly traded. In fact, many insurers are structured as mutual companies, where policyholders of participating policies are essentially partial owners of the company. The mutual company model for an insurance company dates back hundreds of years, and there are certain benefits conferred on policyholders that do not exist with publicly traded (stock company) insurers.
American Family Insurance is the largest mutual insurance company in the U.S.
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It is useful to differentiate between the type of insurance, or line, that is being considered when considering the largest insurance companies. Using sales data is helpful as some of the largest insurance companies in the United States are not publicly traded and therefore their market value is not easily ascertained.
Property and casualty insurers write policies covering property such as real estate, dwellings, cars, and other vehicles. They also write policies dealing with liabilities that may be incurred by accident or negligence related to those properties to defray the cost of lawsuits or medical damages resulting from such incidents.
The top U.S. property and casualty companies in 2020 by net premiums written (the amount of money that non-life policies can expect to receive over the life of the contract, less commissions and costs) are:
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| Company | Net Premiums Written |
|---|---|
| State Farm Group | $66.2 billion |
| Berkshire Hathaway (BRK.A) | $46.4 billion |
| Progressive Insurance Group (PGR) | $41.7 billion |
| Allstate Insurance Group (ALL) | $39.2 billion |
| Liberty Mutual | $36.2 billion |
| Travelers Group (TRV) | $28.8 billion |
| USAA Group | $24.6 billion |
| Chubb (CB) | $24.2 billion |
| Farmers Insurance Group | $20.1 billion |
| Nationwide | $18.5 billion |
Life Insurance companies promise to pay out a lump sum benefit upon the death of the insured. Although actuarial science has created mortality tables to accurately estimate the future liability of policies to be paid, having financial strength ensures that these companies can meet all of their obligations while still earning a profit.
Life Insurance companies in the U.S. can be ranked by direct premium written (the number of new policies written directly and not re-insured). For 2020: