Morning Money Memo…

The New York Stock Exchange has a giant Twitter banner up over its front entrance. Today's IPO is set to be the biggest new stock offering of the year. The price for Twitter, to be traded under the symbol TWTR, has been set at $26 per share, valuing the messaging site at more than $14 billion. Twitter executives will be on hand for the launch at the New York Stock Exchange, which beat out the rival Nasdaq exchange, where most tech stocks are traded. Twitter is trying to avoid the problems that plagued the launch of Facebook last year.

For the 33rd time this year the Dow Jones Index closed at a record high, gaining 128 points. The S&P 500 index added more than 7 points yesterday, and is now one point shy of its all-time high. Futures are down slightly this morning.

Four out of five car insurance shoppers say price is the biggest factor in their choice of policy, but most aren't reaping the benefits of pay-as-you-drive car insurance, according to a new survey for InsuranceQuotes.com. Some 58 percent don't know what pay-as-you-drive car insurance is. These policies "set the rate based on how you drive," says senior insurance analyst Laura Adams. Most big firms offer pay-as-you-drive policies. "Some actually give you a little device that you actually plug into your car. Other companies are going to use what are called on-board systems." One example of this is Onstar. Consumers may pay less for these products if they have low relatively low mileage and are safe drivers. "How many miles you drive plays a huge role in the rate you have to pay," says Adams. "Other programs are also going to look at how hard you hit the brakes and whether you're driving over the speed limit: even the time of day that you drive."

The Swiss-owned food giant Nestle is slimming down. The Wall Street Journal reports Nestle has decided to sell the struggling weight-loss chain Jenny Craig to a buyout firm. The sale price is expected to be less than the $600 million Nestle paid for Jenny Craig seven years ago. North Castle Partners "plans to combine Jenny Craig with Curves International, the female-oriented fitness club franchiser it acquired last year," says The Journal.

Whole Foods says its fourth-quarter profit rose 7 percent thanks to lower costs of the goods it sells. However, revenue fell short of expectations and the company trimmed its 2014 outlook, sending shares plunging in after-hours trading.

The U.S. Postal Service expects to deliver nearly 15 billion pieces of mail and 420 million packages during the holiday season. Those numbers represent a slight decline in letters but a 12 percent increase in package deliveries.

Richard Davies Business Correspondent ABC News Radio abcnews.com Twitter: daviesnow