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My primary care doctor recently left her practice and invited me to join her at her new gig — a concierge medicine group. There, for a membership fee, I’d have better and more personal access to her services: same-day appointments and long conversations!

Concierge medicine — a model in which patients pay a membership fee for a more direct relationship with a primary care doctor — used to feel like a perk for the superwealthy. But as fees have come down and people have gotten more frustrated with the state of traditional primary care, concierge services may not seem like such a pie-in-the-sky option. There’s less waiting, more access, longer visits and greater coordination of care. However, the fees can be high, and if you don’t have complex medical needs, it may not feel worth the expense.

What is concierge medicine?

Concierge medicine is an arrangement in which a patient pays a membership fee to gain access to a doctor’s practice. Your fee may cover a wide range of services, with insurance covering any needs you have outside the practice, or your fee may cover basic preventive care and the practice might accept insurance for the rest.

But your experience, overall, is more personal. Concierge medicine typically offers same-day appointments and 24/7 access to your doctor (who, by the way, isn’t rushed during visits).

Patients like it because they have more time with their provider, says Terry Bauer, CEO of Specialdocs, a company that helps doctors transition to concierge medicine. People with a medical situation after hours can call, text or email. “They have that doctor, in essence, on speed dial,” Bauer says. “It makes people a lot more comfortable and a lot less anxious.”

How much does concierge medicine cost?

Membership fees for concierge medicine vary widely. For one large concierge network with doctors in 44 states, the fee is typically between $1,800 and $2,200 per year (or between $150 and $183 per month). Other practices can run much more.

“I know a couple that charge $4,000 a month,” Bauer says. Doctors who charge those prices may be board certified in two specialties — cardiology and internal medicine, for instance — or they may be in an extremely wealthy area of the country, he says.

Advantages of concierge medicine

There’s plenty to like about concierge medicine. It’s usually possible to get same-day or next-day appointments with your doctor, and wait times are minimal, says Bret Jorgensen, chairman and CEO of MDVIP, a network of concierge medicine physicians. Typically, you have access to your provider at all hours of the day, and because they have fewer patients, your doctor has more time to spend with you.

“With a smaller patient roster, your doctor can take the time to know you and your health history intimately, which can lead to more personalized and effective care,” says Dr. Shoshana Ungerleider, a practicing internal medicine physician and host of the TED Health podcast. “Concierge doctors can focus more on preventative care, which could potentially catch health issues early and save costs in the long run.”

Disadvantages of concierge medicine

The biggest stumbling block for most people is the price tag. “For people on a tight budget or those without substantial health care needs, this could be a significant cost without enough perceived benefit,” Ungerleider says.

On top of the cost, there are practical concerns: Concierge doctors are still a small percentage of the medical field, so your options for care may be limited. And while a concierge doctor can manage your regular or chronic concerns, you’ll still pay for visits to the hospital or emergency room, major surgeries and visits to other specialists.

“It does not negate the need for health insurance,” says John Hansbrough, an employee benefits consultant with The LBL Group, an insurance and financial services company. “You need the insurance because bad stuff can still happen.”

Advocates argue that concierge preventive care can save you money overall. Consider the scenario where a text exchange with your doctor saves you a 2 a.m. trip to the emergency room, Jorgensen says. “More than 80% of our interactions with our members are virtual,” he says. “Those are just bundled and included in the service.”

Who might consider concierge care

Concierge medicine isn’t a slam-dunk for everyone. If you can’t afford the membership fee or are an infrequent health care user, this model probably isn’t a good fit.

But it can be a game changer for patients with chronic illnesses who would benefit from the higher level of care. And for people who are frustrated by the conventional medical system, concierge care offers an alternative.

“There are great outcomes for the doctor and patient alike,” Jorgensen says. “We consistently renew in excess of 90% of our patients every year.”

This article was written by NerdWallet and was originally published by The Associated Press. 

Source: nerdwallet.com

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We all have our ways of destressing after a long day. One of my weirdest and most beloved post-work, take-a-load-off strategies has always been cruising the aisles of gourmet grocery stores just to look at packaging. Give me an aisle of fancily bottled extra virgin olive oil, and I’ll need at least an hour. Nothing is more calming to me than fancy fonts on fancy jars of fancy imported foods.

I don’t even need to buy anything. Often I just stroll around, try a sample of pickled figs, and continue my stroll home. Sometimes though, I’ll splurge on a $3 glass bottle of spring water from some promised fountain-of-youth in Italy. This, to me, is the quintessential quandary of wants vs. needs: I need to drink water, but I don’t need it to come from a hydro-spa in Lurisia.

What’s a Want? What’s a Need?

There were a lot of comments in my last article about spontaneous spending as to how to determine wants and needs when budgeting according to the Balanced Money Formula in Warren and Tyagi’s All Your Worth. Whether you use their formula or not, figuring out the essentials of your budget is important. For those of you just tuning in, the balanced money formula says that 50% of your income should go toward needs, 30% to wants, and 20% into savings. I think this comment exemplifies some of the confusion:


The discussion went on to include a lot of grey areas:

  • Car payments. If you bought a new car, how much of the purchase was the need of a car as opposed to the want of buying new?
  • Rent. Is paying higher rent to live closer to work a want or a need?
  • What about student loans? We need to pay those off but we didn’t need to go to a fancy private school.

I took to the Balanced Money Formula because it gave me a way to not have to worry about the particulars each month. I was just so tired of not knowing where my money had gone at the end of the month, or trying to keep track of how much I was spending in a given week. If you know where your money is going, you don’t have to worry so much about it. First though, I had to iron out some of these grey areas.

Two Carts of Groceries

I wasn’t about to through the grocery store with two carts of groceries, one with dried beans and broccoli and one filled with ice cream and Perrier, so where to draw the line? Warren and Tyagi recommend using the USDA monthly allotment for food, which averages to around $250 a month depending on age and gender. Anything over and above that comes out of wants. I’ve heard of a few different systems for allocating this money. One is to use cash, about $65 a week, and put that in your wallet with your weekly wants cash. All food just comes out of that stack o’ bills.

Another idea is to have a debit card that debits directly from an allocated account. Personally, I use my phone to keep track of it all. The important part seems to be to find a system that doesn’t seem overly complicated to you and to stick to it. When the cash dries up, I’m brown bagging it the rest of the week to work.

Rent, Car, Loans…Netflix, Gym, Phone?

My needs category was way over 50% when I first looked at it. The stuff I had to pay each month was more nearing 70%. Outside of my monthly need of calories, what else went into my needs categories? For most, rent, car payments, student loans. Okay. What else are we contractually obligated to? Netflix memberships, gym dues, data plan? Uh oh, the grey areas seem to be growing.

Well, not exactly. What were my hardcore commitments? A lot of my monthly auto-payments started going away as I clicked “unsubscribe.” Since my monthly payments were above 50% of my income, I started eliminating the things that I could get for free, whether it be using the library for movies or just taking my jogs in the great outdoors. If I wasn’t willing to cut them completely, they transferred to wants. Fine. My digital subscription to The New York Times is a want. Ugh. You start to cut where you can barely feel it.

I should add that both in the book and here at Get Rich Slowly you can find great strategies for reducing your student loans (Whether or not your liberal arts degree was a need is no longer the question — paying for it now is.), finding more appropriate health insurance, and renegotiating your rent. All these things take work and research, but their reduction in monthly cost won’t hurt your current lifestyle and can help you reduce costs.

I still wasn’t under 50%. I had to look where it hurt a little more. The book recommends selling or downgrading your car, getting a roommate, trimming your health insurance bill, returning any rentals like furniture, and re-shopping childcare. For me, I have no car, no kids, I barely have health insurance and my apartment is a major part of my business. I just couldn’t. Well, I could, but it would require the next step, which would be what the book calls “radical surgery” such as selling your home for something cheaper, moving apartments, or changing jobs.

Also listed under “radical surgery” is taking in additional income. For me, it didn’t feel very radical or surgical at all so that’s what I did, far less painful than moving apartments at the end of my lease. I added five hours a week by taking on an extra gig, which takes away a few hours of my nighttime routine of drinking fancy bottled water and listening to Pandora One, but the extra income takes my needs under 50%.

But it Hurtsssss! Why Do This to Yourself?!

I do it because I sleep better. The Balanced Money Formula has a lot of variables, and I had to finesse what went where, but after I figured it all out, it was a deep breath. 50% is a sustainable number that allows me to live well and have fun. I had to give stuff up and take on some additional income. I had to figure out what went where and set up the system how I kept track of everything. I had to wait a while for some contracts to expire, like downgrading my phone, but ultimately, for me, it really works.

No one has all the answers for you and often, there isn’t an easy solution. It isn’t about being perfect, it’s about being empowered and doing the math to trust that your finances in balance, fudging it where you need, so you can sleep easy.

So how about it? What seems impossible to categorize? How can you bring more balance to your budget?

Source: getrichslowly.org

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Looking to learn how to get $20 PayPal now?

Whether you want to learn how to get $20 in 5 minutes or if you have a little more time such as a day or even a week or so, there are many ways to learn how to make $20 fast so that you can make extra income and real money.

Earning an extra $20 through PayPal may seem like a daunting task at first when you are in real need of making money fast, but it is doable.

In this article, I’ll introduce a few simple ways to get $20 in your PayPal account, allowing you to use the extra cash for whatever you need.

Whether you have a last minute bill that you need to pay, or if you are looking to put a little extra money into your savings (for example, maybe you’re just looking to put an extra $20 a week towards a vacation fund), there are many ways to make $20 right now.

You may decide to find a part-time gig answering questions online, freelance writing, dog sitting, or more. These are just a couple of the many ways to earn $20 with PayPal.

Some of the ways mentioned today may allow you to work from home, such as from your cell phone or your laptop.

Related content:

How To Get $20 PayPal Right Now

Quick Online Methods to Get $20 PayPal Now

There are many sites that may allow you to make $20 fast, and all from home. Some quick online methods that you can do starting today include the below.

Swagbucks

Swagbucks is one of my favorite websites to make easy money online, as it offers a variety of tasks like watching videos, taking surveys, playing games online, and searching the web.

I usually earn points and redeem them for PayPal cash or free Amazon gift cards (I’ve actually earned over 110 gift cards from Swagbucks!), and with a good number of things you can do to earn points available, getting $20 is doable in a short amount of time.

You can join Swagbucks by clicking here and get a free $10 sign up bonus.

Survey Junkie

By taking surveys on Survey Junkie, you earn points that can be converted into PayPal cash, helping you to quickly reach your $20 goal. The surveys are easy to complete and allow you to share my opinions on different topics.

You can sign up for Survey Junkie by clicking here.

Branded Surveys

Branded Surveys is another survey platform that can help you earn extra money. After earning Branded Surveys points, you can cash out via PayPal. There are over 3,000,000 users who take surveys on this website, so it is very popular!

You can sign up for Branded Surveys by clicking here.

American Consumer Opinion

As a member of American Consumer Opinion, you get the chance to participate in product testing, surveys, and even earn cash for referring friends.

You can typically earn anywhere from $1 to $5 for a survey, which mainly depends on the length of the survey. Longer surveys typically pay more than shorter ones.

You can sign up for American Consumer Opinion by clicking here.

Ibotta

Ibotta is a cash back website that gives you a $10 sign up bonus for signing up once you spend $30. You can get cash back for shopping at stores such as The Home Depot, Best Buy, Chewy, Walmart, Old Navy, and more.

You can sign up for Ibotta by clicking here.

MyPoints

As an online reward platform, MyPoints can be a useful tool for you to make extra money through surveys, online shopping, and even watching videos.

By completing various tasks and earning points, you’re able to cash out your earnings to PayPal and make $20 in a short amount of time. They have given out over $236,000,000 in rewards over the years.

You can sign up for MyPoints by clicking here.

User Interviews

User Interviews can help you to make extra money by participating in online research studies and interviews. With a variety of interesting topics and user-friendly platform, making $20 and getting paid through PayPal is an achievable goal, as there are many focus groups on this website that pay over $100 per hour.

They launch over 2,000 studies each month and are always looking for new participants.

You can sign up for User Interviews by clicking here.

You can learn more about the highest-paying survey sites and how to test new products at 18 Best Paid Survey Sites To Make $100+ Per Month.

Freelance Opportunities for $20 PayPal

Another option is to take on some freelancing jobs. By freelancing online, you may be able to earn $20 by the end of the week (and usually much more money!).

See what skills you have to offer, and then list your services online.

Fiverr

Fiverr is a platform to offer your services and quickly make $20 with PayPal as a payment method.

There are many different categories to choose from, such as graphic design, voice over, illustration, writing, translation, online tutoring, and marketing. You can click here to see the many different types of job categories that they have listed on their website

You can set your own prices and gig extras to maximize your earning potential. When you complete your tasks, and the clients approve them, the payment gets transferred to your PayPal account.

Freelance Writing

A freelance writer can easily earn $20 fast. A freelance writer may write for many different types of clients, such as a website, magazine, marketing department, book publishers, and more.

You may be writing articles, blog posts for SEO, marketing content, newsletters, press releases, and so much more.

You can learn more in my article 14 Places To Find Freelance Writing Jobs – (Start With No Experience!)

Proofreading

As a proofreader, you are looking for misspelled words and punctuation mistakes in written content such as articles, blog posts, advertisements, resumes, and newsletters.

You can learn how to find jobs at 20 Best Online Proofreading Jobs For Beginners To Earn $40,000+ Each Year.

Alternative Ways to Earn $20 PayPal Fast

If you want to learn how to make $20 fast, there are many other ways to make this possible.

Below, I will be talking about how you can sell your stuff online, micro-investing, getting cash back when shopping online, renting out a spare room, pet sitting, and even getting a personal loan.

Sell Your Stuff Online

One method for earning $20 on PayPal is by selling your used and unused items online. You may be able to sell an old cell phone that is sitting around (such as from maybe when you upgraded your last phone, or if you even have an old phone that has a cracked screen), clothing, jewelry, appliances, and more.

Many platforms, such as eBay, Poshmark, Facebook Marketplace, Craigslist, and Decluttr, allow you to create listings and accept payments through PayPal.

This not only helps you to declutter your space but also turns your belongings into some extra cash. Plus, you can get $20 instantly by doing this as there are probably many items in your home that you can sell right at this very moment.

Acorns Micro-Investing

Acorns allows you to link and round up transactions from both debit and credit cards and essentially invest their spare change. Acorns also does 2x, 3x, and 10x multipliers on round-ups so you can maximize your investments and have a more diverse portfolio.

For example: If you use a linked card to buy a $4.22 latte, Acorns will round it up to $5 and invest the $0.78 difference. Turning on round-ups will increase your investment to $1.56, $2.34, or $7.80.

You can click here to sign up for Acorns.

Shopping Online with Rakuten

Rakuten is a cashback website. You can earn cashback for simply shopping online.

By signing up for Rakuten today, you can also get $30 as a welcome bonus after you spend $30.

Plus, this is for shopping online at many of the stores that you probably already shop at, such as Walmart, Target, Best Buy, Old Navy, Chewy, and more.

You can learn more and sign up here.

Rent out a spare room

If you have a spare room in your home, you may want to consider renting it out on platforms such as Airbnb or finding a long-term roommate to make extra money.

This will, of course, earn you much more than $20, but I wanted to mention this here because it can be a way to make consistent money each month if you are looking for more ways.

To learn more about renting out your spare room, please read A Complete Guide To Renting A Room To Make Extra Money.

Babysitting and Dog Walking

Another way to make quick money is by babysitting kids or providing dog walking services in your local area.

Websites such as Care and Rover make it easy to connect with families in need of a babysitter or a pet owner looking for a dog walker or pet sitting.

You may be watching the children or pets in your own home or their customer’s home – it simply depends on what type of service you want to offer. Sometimes people like to be in their own home, whereas other times maybe you would rather go over to the client’s home for the services.

The gig economy has been a fantastic option for earning extra money, and these platforms make it easy to get paid through PayPal, direct deposit, or cash.

Albert – quick personal loan

If you need cash now and the above options will not work for you, a company called Albert may be able to give you a small advance of up to $250.

There are no late fees, interest, or credit check. If you want to avoid personal loan lenders who have high interest rates, and only need a small cash advance, then Albert may be a place to start with. Albert is available in the App Store and Google Play. How this works is that they send you $250 from your next paycheck. You simply repay them when you receive your next paycheck.

You can learn more about Albert here.

What app can I get $20 from?

There are many apps that can help you learn how to make $20 right now.

These may include:

This may be available on your laptop, tablet, or cell phone (Android or Apple).

How can I get $20 right now?

If you want to learn how to get $20 right now, then I hope you enjoyed today’s article and are able to try a few of the options listed above.

There are many other ways to get $20 in PayPal right now, from taking up side hustles to searching for free money in your spare time.

From earning sign up bonuses from a simple online purchase to selling your used items on Facebook Marketplace to taking online surveys to taking on odd jobs, there are many ways to earn $20 fast.

Whether you are looking for $20 in PayPal cash, a direct deposit of $20, or visa gift cards, there are many ways to earn $20 and more quickly.

Do you want to learn how to get $20 PayPal now? What tips do you have to share?

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Source: makingsenseofcents.com

Apache is functioning normally

Do you like to sing or practice music in an apartment setting with neighbors right on the other side of shared walls?

Depending on how much sound you make when you practice, you may find yourself on the receiving end of some neighborly, shall we say, feedback – and it’s probably not as much about your performance abilities as the noise level!

So, what can an apartment musician do to satisfy his talent and keep calm in the neighborhood?

This singer shares some tips that may work for you.

The noise you make…

Begin with a bit of awareness, both of yourself and your neighbors.

  • Use technology to your advantage. Remember that headphones are your friends. You can plug electric instruments directly into an amp and monitor the sound through headphones, disturbing no one! Depending on your instrument, use appropriate sound-dampening methods (mutes for horns, the “quiet” pedal on a piano) that make your playing environmentally-friendly.
  • At what time of day do you prefer to practice? If you keep your music-making to business hours (9 to 5 or 6 on weekdays, a little later on both ends come the weekend), then your playing likely falls within a reasonably acceptable time window. If you tend to play late in the night, you’ll need to take steps to shield others who perhaps don’t share your passion. Adapting to a less-preferable practice time may be a challenge for a musician, but it’s a necessity when you choose to play at home.
  • Be aware of where your neighbors might be in their adjacent apartments. With the apartment layout in mind, consider where you play, and try to practice in the right room for noise-making. Does your music room, for instance, share a wall with a neighbor’s bedroom? If so, you might relocate your drum set to a different playing space, especially if you jam in the evening. (Oh, and about drums: these are notoriously difficult to noise-dampen. Think rubber mallets and padding.)
  • For singers, choose a highly-upholstered room or even a large, yet comfortable, closet. Environments like these can muffle vocal projection, allowing you to sing out with less worry about being an un-neighborly nuisance.
  • If you play with a band, remember that one plus one plus another equals that much more sound to control!
  • Musician, know thyself! Consider the kind of music you play. If you play in the style of early, folky Joni Mitchell on acoustic guitar, there may be no issue at all with neighbor noise. But if you plug in a Gibson to play your brand of countrified Nirvana, you might need to make some neighborly concessions. Different musics produce varying sound pressure levels, when performed. Keep in mind that low, deep frequencies carry lots of vibration. Use your instincts and good, common sense to guide your behavior.
  • Keep conversation channels open and friendly with your neighbors about the noise level. If you remain respectful of neighborly concerns and attempt, within reason, to accommodate them, everyone should be able to get along.

Have a gig coming up? You might offer free tickets to neighbors so they can see what your noisy efforts are working toward!

THINKspot studio space includes soundproofing by Eileen Kane used under CC BY / Text added

What about Soundproofing?

Here’s another angle: why not try to block to the sound of your music-making from getting out to nearby apartment units?

Soundproofing involves placing an object of heavy, dense mass between the sound source and other listeners in order to separate and isolate the two.

While the most effective sound blockers appear to require permanent installation – not ideal for renters, whose leases likely prohibit these changes — products are available to help achieve the effect which are conveniently removable.

An acoustical door or window seal can reduce sound transfer between connected spaces, though changing out an entire door might prove challenging. Consider an acoustical door jamb seal which closes the gap at the bottom of a door.

A company called Audimute offers temporary soundproofing solutions with a clever name, Peacemaker. These are acoustical dampening rugs made of rubber, available in different thicknesses. The company also offers sound absorption sheets, which they describe as “soundproofing blankets,” which reduce volume levels when placed correctly, for example, in windows.

The interestingly-named SoundproofCow sells acoustic panels and other soundproofing materials which could work in an apartment unit. A variety of products can be used to create a space that’s sound-friendly on the inside, but sound-resistant to the outside world.

For a more DIY approach, the use of both egg carton-like foam and heavy camping mats were discussed in online forums on the topic of soundproofing.

If You Can’t Beat ‘Em . . .

There are certainly enjoyable ways to share your music socially.

Consider organizing a concert event. Consult with your landlord or apartment community manager about whether your music might be a good fit for an evening of entertainment at the community pool or in a shared space.

For an alternative away from your apartment, why not join a shared rehearsal space, perhaps at a music store? While this likely wouldn’t be free – and a little less convenient — you’d have the leeway to play without concern for being noisy.

Rock on, friends… just, perhaps, a little more quietly when you’re at home in your apartment!

Apache is functioning normally

Are you looking for a way to earn some extra money? Did you do well in school, or on standardized tests? Offering tutoring services may be a good bet for you.

I’ve been a private tutor for the better part of seven years now. It kept me in spending money as a part-time job in college, and it has turned into a full-time gig for me over the last few years. The best part about it, though, is that it’s an easy concern to keep going whether you have three or thirty hours a week to devote to it.

What to Tutor

I’ve taught everything from high school writing to college calculus to professional certification exams for public school teachers. That’s just the tip of the iceberg: there’s a market for tutors for every standardized test in existence, and probably every academic subject at every level, too. Heck, much of this article probably applies to things like music lessons, as well.

If you have a strong academic background, but aren’t comfortable opening for business without some kind of certification, it might be worth taking a job with a tutoring service, particularly one of the big-name test prep companies such as Kaplan or The Princeton Review. They’ll train you, you’ll get valuable in-class experience, and after a few months you may feel better about setting off on your own.

Finding Students

The standard advice for would-be tutors is to post flyers at strategic locations such as universities. In my experience, though, that doesn’t work.

Ideally, your business would come via word of mouth. Every time you work with a student, make sure they have your contact information, and encourage them to tell their friends about you. The less effort it takes to get business, the better!

Starting out, though, referrals will be hard to come by. (That doesn’t mean you shouldn’t try: family and friends may be able to help out early on by spreading the word.) The easiest way to reach prospective students is through Craigslist. Better yet, set up a simple website in addition to your Craiglist ads so that you appear to be more than some guy or gal with an e-mail address.

Ultimately, though, Craigslist is just the 21st-century version of flyering the local university. The best way to find students is to go to the source. If you’d like to help elementary school children with reading, introduce yourself at the local elementary school. Teachers and counselors are the absolute best source of referrals for K-12 students.

Nuts and Bolts

The most important operational question you’ll face is how to set your rates. At the high end, you’ll find SAT, LSAT, and GMAT tutors in New York City charging several hundred dollars per hour. The range is huge: Even in New York, for the same services, you’ll find other tutors for as little as $20 or $25 per hour.

As with most services, acceptable rates are tied to the level to expertise you bring to the table.If you’re offering math tutoring for junior high students, don’t expect to command $50 per hour: High school students can do the same thing, and they’d probably do it for a whole lot less. This is one reason to consider becoming a test-prep tutor through a major company: As soon as you finish training, you’ll have skills that set you apart from the vast majority of would-be instructors.

While it’s important to consider what the market will bear, it’s also crucial that you consider your time investment. One of the drawbacks of tutoring, compared to other part-time jobs, is that it can be difficult to string together more than an hour or two at a time. If you’re charging $20 per hour and driving across town to meet with a student for one hour, is it worth it?

One partial solution to that problem, at least once you’re working with multiple students, is to have people come to you. (Perhaps even for a discounted rate.) Before I found a shared office solution, I would set up shop at a Starbucks in Midtown Manhattan. It was convenient for my students, and on some weekends, I would tutor four students for two hours each, straight through from 9-5. One commute is much better than four!

Final Words

As I mentioned in the beginning, one of the benefits of tutoring as a side job is that there are no real minimum time requirements. It can turn into a full-time job, as well, but don’t count on that happening in short order. Be especially careful about the actual number of hours you’re spending: if you have a dozen students and you’re traveling to them, an 8-10 hour per week job can suck up quite a bit of time and expenses.

Warnings aside, there are plenty of benefits I haven’t mentioned. You’ll meet all sorts of people you never would otherwise, and you’ll help students meet goals they may not have reached without you. You’ll be your own boss, and hey — you might even have some fun!

Source: getrichslowly.org