Clark has a Spotify family plan. $15 a month includes 5 different streams - $3 per person. Spotify faces competitive market threats from Apple Music. Pandora seems to be fading a bit. Now all face a new threat from Amazon. Amazon’s free, ad supported music service for Prime members has greatly expanded music offerings in an effort to hook users on the pay service. Joel’s already paying. This competition is a win for consumers. Maybe someday the artists and composers will win too.

Unbelted passengers at impact in an automobile accident: Centrifugal force has no mercy. As we move into the holiday season, make sure backseat passengers wear seatbelts, as well as front seaters. According to the Governor’s Highway Safety Association, many fatalities occur each year due to back seat passengers not wearing seatbelts. Uber and Lyft passengers typically ride in the back and seldom put on their seatbelts. This endangers all in the car. Buckle up for safety. 

Episodically around the country, scandals of neglect and abuse emerge concerning nursing homes, assisted living and other senior facilities. When trying to find a suitable environment for a loved one needing care – it’s a shot in the dark. You’ll get a pitch designed to earn trust. But what goes on during the third shift? What’s actually happening in these places. You can hire a geriatric social worker for evaluation and placement consultation. They know which facilities do a good job. But most don’t go this route, and fly blind trying to choose a facility. Nursing Home Compare -  Find and compare Nursing Homes | Nursing Home Compare. Cited nursing homes are marked with a red icon as a warning to consumers. These homes have to be in compliance for a full year before they lose that red mark of shame. This helps consumers ferret out potentially harmful places.

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