What Is Concierge Medicine (Direct Primary Care) – Pros & Cons

American healthcare is expensive, inefficient, and often doesn’t produce optimal outcomes. Concierge medicine, also known as direct primary care, helps address all three problems. Direct primary care is a fee-based care model that forges closer connections between patients and providers, encourages preventive and proactive care, reduces bureaucracy and overhead for physicians and health systems, and provides an alternative to increasingly expensive health insurance coverage.

An Imperfect Healthcare Status Quo

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How to Find the Best Place to Start a Business – 12 Factors to Consider

Starting a small business is hard work anywhere. Business owners have to juggle dozens of important considerations, some of which directly conflict with one another – for instance, it’s hard to have a gold-plated advertising budget when you’re operating on a shoestring. Any entrepreneur who can keep it together for long enough to get a company off the ground and turn a profit deserves the utmost respect.

That said, getting a business off the ground is simpler and less costly in certain locales. Cities and states with fewer barriers to entry for new companies, regardless of industry, are said to be business-friendly or possessing a favorable business climate.

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12 Issues That Can Reduce Your Rental Security Deposit Refund

If you’ve ever lived in rental housing, you’ve almost certainly put down a security deposit. Every U.S. state permits landlords to collect security deposits from new tenants. Deposits typically range from one to two months’ rent, and about half of all states impose an upper cap (usually expressed in rent-months) on deposit size. Some states require landlords to keep deposits in a separate escrow account, while others permit landlords to deposit them into regular accounts, commingling their funds with rent and other monies.

Reasons Landlords Seize Security Deposits

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Opening a Joint Bank Account & Merging Finances After Marriage – Pros & Cons

Creating, managing, and sticking to a household budget requires a good deal of time and mental energy, even if you live by yourself and don’t have expensive tastes. You need to account for your monthly rent or mortgage, keep up on those insurance payments, stay current on your credit card balances, and remember to keep your pantry well-stocked with groceries. And after all that, you’ve got to make sure you have enough left over to keep your emergency reserve and long-term savings funded.

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National Credit Union Administration (NCUA) – History, Role & Function

Since the financial crisis of the late 2000s, banks have become decidedly less friendly to consumers and small business owners. Even as they’re raking in record profits and benefiting from new legal protections that lessen external risks to their business, U.S.-based banks are charging customers higher fees, paying them lower interest rates, and burdening them with stricter requirements.

Fed up with unfriendly banks, many customers are moving their cash to credit unions – not-for-profit deposit institutions that share many similarities with for-profit banks, but tend to be more customer-friendly. According to the World Council of Credit Unions, there are nearly 6,500 credit unions and more than 100 million individual credit union members in the United States alone.

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What Is Title Insurance – Costs, Coverage & Why You Need It

When asked to name the most important type of real estate insurance, many homeowners confidently and without hesitation answer “homeowners insurance.” After all, homeowners insurance policies protect against potentially huge financial losses due to damage from fire, water, wind, vandalism, and a host of other perils. What could be more important? Well, for starters, making sure the property covered by that homeowners insurance policy actually belongs to its purported owner.

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What Is a Home Inspection – Checklist, Process, Costs & Tips

The cost of housing varies widely from market to market. According to Zillow, Dallas’s mid-2015 median home price sat near $126,000, up from about $91,000 three years earlier. By contrast, Zillow pegged San Francisco’s mid-2015 median at a cool $1.08 million, up from about $620,000 just three years earlier. Though the average San Franciscan earns more than the average Dallasite, the latter still pays a far lower percentage of income for housing.

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The Visa Clear Prepaid Program – Key Learnings

Sponsorship Disclosure: A huge thanks to the Green Dot® Reloadable Prepaid Visa® Card and Visa Clear Prepaid for working with us to bring you this content.

visa prepaid card handMy 30-day challenge left me with some clear lessons that can be broadly applied by anyone using a reloadable prepaid debit card to budget for day-to-day expenses – particularly if the card is part of the Visa Clear Prepaid program.

1. Clearly Communicated Fees Make Budgeting Easier

One of the first things I noticed when I signed up for my Green Dot® Reloadable Prepaid Visa® Card was the clear, straightforward fee schedule. All possible fees are laid out on a single webpage, making them easy to process at a glance.

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Visa Clear Prepaid Card – Taking Part in the 30-Day Challenge

To experience the versatility and ease of my Green Dot® Reloadable Prepaid Visa® Card firsthand, I planned and participated in a 30-day challenge, sponsored by Visa Clear Prepaid and Green Dot, that required me to pay for my day-to-day expenses with my prepaid debit card. The Green Dot® Reloadable Prepaid Visa® Card is one of the prepaid cards in the Visa Clear Prepaid program, which helps alleviate stress in choosing and using a prepaid card. Cards meeting the Visa Clear Prepaid standards provide you with transparency and consumer protections. Here’s how it went:

Planning the Challenge

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Radon in Your Home – Symptoms, Mitigation Systems & Cost

radonRadioactive gas seeping through porous building foundations and threatening residents’ health sounds like the stuff of science fiction, but it’s something that homeowners in many parts of North America should legitimately worry about.

The culprit is radon, a colorless, odorless, radioactive gas that occurs naturally in the soil and bedrock underlying huge swathes of the continent. According to the EPA, radon is responsible for about 21,000 lung cancer deaths per year. It’s the second most common cause of lung cancer overall (after smoking) and the leading cause of lung cancer in nonsmokers.

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