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August 2021
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Wall Street Cheating - Compare Apples to Oranges

The S&P 500 Index started tracking stocks 64 years ago. The problem is most of those stocks are no longer in the index.

To remain indicative of the largest public companies in the United States, the index is reconstituted quarterly.

The S&P 500's most recent restructuring was on Mar. 12, 2021. NXP Semiconductors, Penn National Gaming, Generac Holdings, and Caesars Entertainment were added, replacing Xerox Holdings, Flowserve, SL Green Realty, and Vontier.

So when you see the chart, it is not giving you the performance of the same 500 companies over time. Rather it is  skewed to high-performance companies each and every quarter.


Solutions to Healthcare (2)

Medical cost sharing is often referred to as HealthShare’s, healthcare sharing ministry, and by a few other titles. At it’s core, it is alternative way to effectively reduce ones overall health care expenses by replacing the need for health insurance. A HealthShare will offer a significant lower monthly cost and often out-of-pocket expenses as compared to traditional health insurance.

  • Telemedecine or 24/7 virtual doctor included with membership
  • Available and offered in all 50 states
  • Enroll all year long
  • Lower cost alternative to traditional medical insurance
  • Medical cost sharing is NOT INSURANCE nor is it offered by insurance company’s
  • Limits & exclusions on pre-existing conditions
  • Best fit for those without serious pre-existing or chronic conditions
  • Compatible with “Direct Primary Care” membership for complete healthcare solution
  • Many are "Christian belief" based

I found one I really like. It is very low cost and does not deny membership to anyone based on their religious beliefs.
https://zionhealth.org/


Solutions to Healthcare (1)

Cash clinics in big-box stores, pharmacies, strip malls, and rural towns. Cash clinics can provide dental and eye care, along with one-stop blood testing, allergy testing, COVID tests, and so on.

CVS wants to be an easy, affordable place to go for health care. It acquired insurer Aetna two years ago. It has Minute Clinics for acute conditions like strep throat. And it’s turning more of its approximately 10,000 U.S. stores into a HealthHub, a location with a wider range of medical services. That includes testing for sleep apnea, management of chronic conditions like diabetes and a wellness room where it can offer yoga classes. It plans to have 1,500 of those stores by the end of this year.

Walgreens is also adding health-care services to its nearly 9,000 U.S. Walgreens and Duane Reade stores. It struck a deal with VillageMD to open clinics in its stores. Under a recently accelerated timetable, 600 to 700 stores will add clinics over the next four years.