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Use sesame seeds to see a doctor for $ 25 – with or without insurance


No wonder doctors get the big buck – have you seen what they charge your insurance company after a visit? $ 600 to listen to your lungs and look into your ear canal is insane.

If you have insurance, you might only pay a $ 50 copay. But if you have a high deductible or no coverage at all, you could be stuck with a reduced rate of “only” $ 400.

If you had known how much your visit would cost, you might have skipped your appointment, right? Having the choice to take care of your body and go into debt just doesn’t seem right.

The good news is you don’t have to choose. A website called Sesame makes it possible to save a lot of money when visiting the doctor. You can find a doctor online – or in your area – and know exactly how much you’re going to pay without insurance (tip: it’ll cost you a lot less).

For only $ 25, the doctor will see you now

Sesame is an online marketplace that will help you find a personal or online doctor or specialist and understand your costs in advance. Without insurance, you can Go to the doctor for only $ 25 and get medication delivered for just $ 5.

By eliminating the insurance intermediary, Sesame can help people save an average of 60% when they go to the doctor. Choosing between medical debt and your health is no longer a problem.

Do you need to see a family doctor? How about a dentist, dermatologist, or psychiatrist? Whatever type of care you need, you can find a doctor today to see you at an affordable cost.

It’s a great option for freelancers, business owners, people with high deductibles, and especially the uninsured.

Find a doctor (and know their prices) in minutes

If you need to see a doctor, sesame seeds make it easy for you to get hold of them. Follow this link to see who’s available today and how much it costs – standard appointments cost between $ 30 and $ 60.

Pick a doctor and choose a time to see them. Enter your name, phone number and credit card information to pay and book. You don’t even have to create an account and your information is protected by the most trusted third-party payment processing platform in the world.

Sesame is not insured, but you can pay for your visit to your HSA or FSA. If your insurance has off-grid benefits, you can submit your receipt for reimbursement.

So are you ready to take better care of yourself without spending hundreds of dollars? Book your first appointment on Sesame and use the code TPH15 to Save 15% on your first appointment.

Kari Faber is a writer for The Penny Hoarder. She still pays the most expensive medical bill for a bad case of diaper rash.

Sage 50cloud vs. QuickBooks Online: Which One Is Best for Your Small Business?


Both Sage 50cloud and QuickBooks Online are powerful accounting solutions for most small businesses. Even so, there are a few factors worth considering so that you can be confident about your decision now and in the future.

QuickBooks Online is the better candidate for business owners looking to prioritize scalability and the ability to easily mill in accountants. And if they want deeper insights into the logistics of their growing business, the reporting capabilities of QuickBooks Online can be scaled with any plan level. However, the unlimited users feature makes Sage a winner among larger businesses and established small businesses that require more than 25 users. However, QuickBooks Online is cheaper.

Sage 50cloud vs. QuickBooks online overview

  • Premium: $ 84.58 – $ 194.75 per month.

  • Quantum: $ 139.58 – $ 356.83 per month (request for quote 11+ users).

  • Easy start: $ 25 per month.

  • Base: $ 50 per month.

  • Advanced: $ 180 per month.

  • Easy start: 1 user; 2 auditing firms.

  • Essentials: 3 users; 2 auditing firms.

  • Plus: 5 users; 2 auditing firms.

  • Advanced: 25 users; 3 auditing firms.

Good. Users can customize password lengths and expiries and create and assign roles with specific access rights to control which features and functions are available at employee level. Sage is well known, but not as popular as QuickBooks Online.

Excellent. Email your accountant a link to sign in to your QuickBooks account. QuickBooks has 4.5 million users worldwide, which means your accountant is likely familiar with it.

Good. Sage’s plans give small businesses room to expand with the option to upgrade in the future.

Excellent. Advanced, custom reporting capabilities in higher-level plans can be of great benefit to experienced business owners interested in creating more sophisticated reports.

Excellent with a usability rating of 9.0 from TrustRadius.

Excellent with a usability rating of 8.3 from TrustRadius.

Extra ease of use note: If you want to get the most out of your accounting software, whether you choose Sage, QuickBooks Online, or something else, you will need to invest some time learning the fundamentals of accounting. The information on the Sage and QuickBooks dashboards can be overwhelming if you don’t brush up on the information terminology and why it matters.

Maximum number of users: Sage wins

If you need to give more than five people access to accounting, Sage might be a better option for you. QuickBooks Online’s most popular Plus plan is five users, and the highest Advanced plan, which is expensive at $ 180 per month, allows up to 25 users. In contrast, Sage’s top tier Quantum plan is more expensive but doesn’t limit the number of users. All in all, however, user limits shouldn’t be a big deal unless you have a larger company.

Reporting Complexity: Tie

As business owners learn more about accounting, they may want to produce more detailed reports, and that ability increases with each of the four QuickBooks Online plan levels. Sage offers over 150 reports, including reports dedicated to companies in the construction, manufacturing, or sales industries. Reports can be customized, grouped, filtered and combined.

Popularity: QuickBooks Online is winning

QuickBooks is an industry standard with 4.5 million users worldwide. With more than two million users worldwide, Sage is also popular, but not as ubiquitous. The numbers alone suggest that your accountant used QuickBooks.

Dashboard: tie

Finally, when you do decide to go with an accounting software, the hope is that you will be comfortable with it. Before making a decision, it is a good idea to test each software product to review its dashboard and shortcuts. While both Sage and QuickBooks Online are easy to use and clean in appearance, you may find that you prefer one layout over the other.

Integrations: QuickBooks Online Wins

QuickBooks Online gives you access to an impressive marketplace with over 600 apps – including third-party tools and QuickBooks add-ons. Sage 50cloud advertises 13 other applications such as Stripe and VeriClock. However, you need a Microsoft 365 subscription and integration to use the premium version.

Mobile app: tie

Both vendors offer mobile apps that can be very helpful for checking things out of the office or off the computer. Both apps are also highly rated in the Apple App Store, though QuickBooks has far more reviews than Sage 50cloud.

Free Trial: Tie

Both providers offer free trials, which is huge for switchers wondering if these offers will work for them. QuickBooks Online offers a free 30-day trial for new customers (or a 50% discount on a 30-day subscription of your choice). Sage is also offering a free 30-day test drive.

Support: QuickBooks Online wins

Business owners who prefer to work on the phone through hiccups will prefer QuickBooks Online, which has extended hours during the week (6:00 a.m. to 6:00 p.m. Pacific time) and is open on Saturdays; Advanced plan owners receive 24/7 support. Sage also offers phone support Monday through Friday, 9:00 am to 8:00 pm (East Coast Time); each call is limited to one hour.

Loan Resources: QuickBooks Online Wins

Both platforms have partnerships to give you easy access to capital. However, setting up Sage with Biz2Credit is more geared towards helping your accountant (the partnership is for members of the Sage Accountants Network). With QuickBooks Online, however, you can arrange financing yourself directly through the Intuit Financing arm or through other lenders that QuickBooks works with.

A closer look at Sage vs. QuickBooks Online


13 other applications, such as Stripe and VeriClock. Microsoft 365 subscription and integration required for Premium.

More than 600 apps including QuickBooks Time, QuickBooks Payroll and Gusto.

Yes. Apple’s App Store gives 4.5 out of five stars, although this is based on only a few ratings.

Yes. Apple’s App Store awards 4.7 out of five stars based on more than 126,000 reviews.

New users get a 30-day free trial of Sage before deciding on a plan.

50% discount for the first three months or try a free 30-day trial.

Telephone support from 9:00 a.m. to 8:00 p.m. (East Coast Time), Monday through Friday; each call is limited to one hour.

Simple Start, Essentials, and Plus provide customer support by phone or messaging Monday through Friday from 6:00 a.m. to 6:00 p.m. PT and Saturday from 6:00 a.m. to 3:00 p.m. PT. The Advanced plan offers 24/7 support.

Accountants’ clients on the Sage network will have access to capital through Biz2Credit’s small business finance platform.

Apply for small business loans directly through QuickBooks Capital (not available in Nevada or Alaska).

This week in wealth management offers


In the last week of July, business in asset management continued.

Concurrent Advisors, a super regulatory agency of Raymond James Financial Services, took growth capital from Merchant Investment Management to help the company acquire minority interests in its partner firms.

Nate Lenz, founding partner at Concurrent, said, “Through this structure, you are taking on an investment from Merchant and Concurrent; from there you still retain full operational control. “

Hightower reappeared to promote his latest deal: Farr, Miller & Washington, an RIA led and founded by CNBC employee Michael Farr. The transaction will bring Hightower $ 2 billion in assets under management and three office locations, bringing its total assets to over $ 100 billion.

Mariner Wealth Advisors followed up on announcing the acquisition of AdvicePeriod last week by announcing that it is buying the Channel Islands Group in California. The new company manages $ 277 million in client assets. The deal is expected to close in August.

Raymond James Financial Services accelerated its M&A activity in the UK with the acquisition of 200-year-old public company Charles Stanley to add 200 advisors to its UK presence and $ 37.9 billion in client assets.

Below are other offers you may have missed during the week of July 26th, 2021.

New Mountain takes a minority stake in Homrich Berg

Homrich Berg, an Atlanta-based RIA with $ 10 billion under management, accepted an investment from New Mountain Strategic Equity I, LP, a subsidiary of private equity firm New Mountain Capital. The capital increase supports ownership succession, business development and talent acquisition in the company.

Insigneo is hiring former Merrill Lynch consultants

Miami-based wealth management company Insigneo has hired advisor Jorge Sonville as a Managing Director in Miami. Sonville previously worked for Merrill Lynch, spent 27 years with the company and had approximately $ 2 billion in assets under management.

Goss Advisors adds 14 new advisors

Goss Advisors, a New Orleans-based RIA that manages $ 9.5 billion, recruited 14 advisors in seven states including New York, Ohio, Minnesota, New Jersey, Kansas, and Illinois.

Truist Investment Services loses team to Linsco. by LPL

Consultants Kyle Smith and Michael Sandlin came to LPL Financial through the Linsco employee consultant model. Smith and Sandlin came from Truist Investment Services, previously known as BB&T Scott & Strengfellow, where they managed $ 740 million.

Ameriprise lures Kim Latimer from Merrill Lynch

Ameriprise Financial has hired Kim Latimer, a former financial advisor to Merrill Lynch in Houston. Latimer had $ 211 million in client assets under management at the wirehouse.

Jason White is moving to Carson Partners

Jason White, CEO and Senior Advisor of Dynamic Legacy Planning in Greenfield, Indiana, joined Carson Partners as a network company. White’s team of five manages $ 55 million AUM.

Pinterest stock is crushed due to disappointing user metrics


Despite increasing income, Pinterest (NYSE: PINS) The stock collapsed on Friday following the release of second quarter results, which showed a sequential decline in monthly active users (MAUs). The company’s cautious comments on exposure also rocked investors as people spend more and more time away from home.

At 11:15 a.m. EDT, Pinterest shares were down 19%.

The pandemic-induced wave of engagement is cooling off

Revenue rose 125% to $ 613.2 million in the second quarter, beating the consensus estimate of $ 562.1 million. Global MAUs rose 9% to 454 million, but that rate of growth represents a significant slowdown from the 30% MAU growth Pinterest saw in the first quarter.

In addition, there were MAUs Low on a sequential basis compared to the 478 million MAUs Pinterest had in the first quarter. Crucially, Pinterest lost 7 million MAUs where monetization is highest. The company attributed the decline to the easing of lockdown restrictions in the United States.

“Given that many of Pinterest’s core use cases (e.g., decorating, gardening, cooking, home improvement) are particularly relevant at home, we believe we are disproportionately high in the increased time we spent at home during the pandemic lockdown spend, have benefited, “wrote Pinterest in its letter to shareholders. “However, since mid-March we believe that engagement on Pinterest has been disproportionately lower as people started spending more time with friends outside of their homes, eating out in restaurants, and generally participating in activities that are not our core use cases.”

On the plus side, Pinterest continues to make strides in bolstering overall monetization, which is critical to the bullish thesis. Average revenue per user (ARPU) has increased significantly on all fronts.

segmentARPUYear-on-year growth
US$ 5.08103%
International$ 0.36163%
Global$ 1.3289%

Data source: Pinterest.

Pinterest sees a certain momentum in expanding the e-commerce functions on the platform and partnering with it Shopify (NYSE: SHOP) is helping drive this initiative. The company also recently launched Automatic Bidding for Awareness to streamline the bidding process for advertisers.

It all resulted in adjusted net income of $ 169.9 million, or $ 0.25 per share. Wall Street analysts were expecting just $ 0.13 per share in adjusted earnings.

Dark prospects in the short term

Pinterest expects its engagement headwinds to continue in the future, although there is still a lot of uncertainty. Due to the lack of visibility, the company declined a MAU instruction. Sales growth is also expected to slow down, with sales growth in the region of “low 40%” forecast for the third quarter.

Combine those top-line prospects with higher operating costs – Pinterest continues to invest in long-term growth strategies – and Pinterest’s profitability is likely to be limited.

“In order to build a new ecosystem for creative people, we have to invest, and that means that we distribute Idea Pins at the expense of high-quality advertising inventory, which has an impact on sales,” commented CFO Todd Morgenfeld on the conference call with analysts.

Choose like a pro

Where can you invest $ 500 now?

Before you buy Amazon, Netflix, or Apple, here are some things to consider …

The Motley Fool team was the first to recommend each of these stocks more than a dozen years ago!

  • They discovered Netflix for $ 1.85 a share, back in the days of DVDs in the mail.
  • And recommended Amazon for $ 15.31 in 2002, before most people were familiar with using credit cards online.
  • And even hit Apple at $ 4.97 per share about a month before the very first iPhone was released.

Take a look at where these stocks are today. Bottom line: Investing $ 500 in all three of these stocks would be worth more than $ 200,000 today!

And that’s why this matters: The Motley Fool’s flagship investment service Stock advisor just announced their top 10 “best buys” around the world entire exchange. Whether you’re starting with $ 100, $ 500, or more, you’ll want to know all the details!

Click here to learn more

Evan Niu, CFA owns shares of Pinterest. The Motley Fool owns shares of and recommends Pinterest. Millennial Money is part of The Motley Fool Network. Millennial Money has a disclosure policy.

Purpose announces pure play software ETF


“The software industry plays an important role in our daily lives and these companies represent some of the most exciting business models of the future,” said Som Seif, founder and CEO of Purpose Investments. “The global pandemic has accelerated the growth of the sector as companies have been forced to turn around and continue embracing digitization, and we believe these trends will have long-term implications.”

SOFT tracks the Solactive Purpose Enterprise Software ESG Screened Index NTR (SOFTWARN), the performance of which has resulted in a return of 50.28% over the past 12 months; in the past five years it has risen 473.27%. The fund will also have a total expense ratio of 0.59%.

Nicholas Mersch, Portfolio Manager at Purpose Investments, highlighted numerous strengths of software companies including highly scalable recurring revenue, resilience in any market environment, high gross margins, strong free cash flow and bulletproof balance sheets.

“We believe that a company that doesn’t see itself as a technology company has to buy, become, or lag behind a product,” said Nicholas Mersch, portfolio manager at Purpose Investments. “Software makes this possible, which is why we are particularly pleased about SOFT’s SaaS focus.”

In line with Purpose’s practice of embedding ESG in its investment processes, SOFT also filters out companies exposed to controversial weapons and fossil fuels.

* HOT * Outdoor Photography Guide Annual Premium Membership for only $ 3! (Reg. $ 65 !!)


Impressive! This is a great deal if you love photography!

Always wanted to learn how to take better photos outdoors or just have fun with outdoor photography? Don’t miss this hot offer!

Now you can One-year premium membership in the Outdoor Photography Guide for just $ 3! This is regularly $ 65 so an amazing opportunity!

When you sign up you will receive:

  • Unlimited access to a library of premium video content
  • Step-by-step guide to outdoor photography classes
  • Advice from professional photographers
  • New videos every week with tips, techniques and processes.

You can access your membership at any time using a mobile device or computer. If you know someone who loves photography, be sure to pass this great offer on to them!

Note: If you take advantage of this offer, you will be enrolled in automatic annual renewal at the regular price of $ 65. If you want to avoid being automatically charged after a year, just make sure to turn off auto-renewal in your account after signing in.

Go here to grab this great photo class deal!

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Good Financial Read: Advice For Retirement


Advice for retirement

Pension plan checklist

by Matt Elliott, Pulse Financial Planning

When and how you retire can be one of the biggest financial decisions you will make. This leads to a lot of new financial questions that you may not have looked at:

[Read the Full Article]

“Directions” for your retirement route!

by Kevin Clark, Plan Confidence Corp.

Earlier this week, I packed my car, got a coffee, and drove from Sarasota, FL to Chicago, IL with my 15-year-old daughter.

Now I have taken this trip many times, managing the “day-to-day operations” of my financial advisory practice in FL for three weeks and spending a week in IL managing all of my client appointments.

[Read the Full Article]

Living longer – what does that mean for retirement provision?

by Phil Weiss, Apprise Wealth Management

Many of us live longer than previous generations. As a result, we need to plan to finance our lifestyle for years to come. Retirement provision helps us provide the resources to maintain the desired quality of life in retirement.

While the gap narrows with age, women also tend to live longer than men. Plus, On average, women are younger than their husbands. This increases the risk of retirement for women.

[Read the Full Article]

Here’s how to make a forecast of retirement income for your plan

by Massi De Santis, DESMO investment advisor

Most people contribute more or less regularly to their retirement savings through IRA accounts, 401 (k) accounts or similar and taxable accounts. But what does this saving mean in terms of retirement income that you can expect when you retire? Are you contributing enough for the desired retirement provision? Will you have enough by the desired retirement age? Or when will you accumulate enough to meet your retirement needs?

[Read the Full Article]

If you want to retire early, here’s what you need to know

by Massi De Santis, DESMO investment advisor

More and more people are trying to redefine retirement. Many are young professionals with good income streams and excellent savings habits. Your goal is to become financially independent and to retire early, ideally sometime in your forties (the “FIRE” movement). The key question for them is: when will I be ready to take the plunge?

[Read the Full Article]

Following financial advisor blogs is a great way to access valuable, educational information about finance – and it won’t cost you anything! Our financial planners are happy to share their knowledge and help everyone, regardless of age or wealth.

I have a puppy


Before you say it, I’ll fight. I struggle with my children growing up, moving out and being far away. I mean, I’m good, but it’s hard. My whole life is built around being a mom. It is a real change not to be needed so much in this role.

So I did something … I have a puppy! A free puppy. Hello, Facebook Buy Nothing group! A whole litter was posted for free. They said the mother was a Shar Pei, the father was unknown and they would be ready in 4-5 weeks. I jumped on it.

And here it is … my new baby, Addie! And yes, I cuddle her like a baby every afternoon after work. All of my other dogs are adapting and are actually playing for the first time. It’s amazing to see. (For those who didn’t know, we’ve been caring for dogs for years, they’re all older and quite emotionally damaged from their previous life.)

Addie follows me everywhere. Finally she sleeps through the night. And I took her to Tractor Supply Vet’s Day a few weeks ago for her first vaccination and deworming (about $ 100). She also started taking me to the weekly open air concerts in our small town.

This was her first time on a leash so it was a learning experience. I realize this is different for my budget. But more than that, this is for my mental health. She makes me happy and comforts me and gives me someone to play ball … and I love her!



The post I Got a Puppy first appeared on Blogging Away Debt.

Students are urged to apply now for university funding if they want to get a place at university via “clearing” – do not wait for your Abitur results


It can take six to eight weeks for the SLC, which manages tuition and maintenance loan applications for English and Welsh students, to approve new applications or amendments to existing ones. Hence, she urges people to apply or make changes as soon as possible – even if they are not sure which course they are going to take. The alert comes in less than two weeks by A-Level Results Day on August 10th.

If you apply now, you can get your funding as soon as possible to the start of the semester, the SLC said, adding that you can update your online application later once you know exactly what degree you’re studying and where you might live. According to the SLC, the application process only takes about 30 minutes and you can initially use your first elective course.

The Scottish Students Awards Agency has also urged those in Scotland who have not yet applied for funding to do so as soon as possible, while the Northern Ireland Student Fund is reminding Northern Irish students that they too do not have a confirmed study place at. require university to submit an application for funding.

For more important information about student finance, check out our Mythbusting Guide to Student Loans.

How to apply for student funding

If you think you will be attending a university or college this academic year, it is best to apply as soon as possible – although now there is no guarantee that you will get the full amount you are entitled to before the semester starts the longer you leave it, the longer the potential delay.

The application process or the associated upfront fees have no effect on your credit file. So it doesn’t matter if you change your mind later and abandon the process before your funding is approved.

How to apply depending on where you normally live in the UK (not where you will be studying):

  • In England, you can apply via the Student Finance website. The SLC has also created a new guide for students wishing to go through clearing, with additional information, including steps you can take to ensure your application is processed quickly.
  • In Northern Ireland, you can apply and get help through the Student Finance Northern Ireland website.
  • In Scotland, you can apply through the Students Awards Agency website. The website provides instructions on what you will need.
  • In Wales, you can also apply via the Student Finance website. Student Finance Wales also has a dedicated guide for students going through clearing.

Journal Club 7/30/21 | Passive income MD


This is Journal Club 7/30/21! I stop every week JOURNAL CLUB. After filtering the articles on the web, I present some that have had an impact on my life this week. Be safe and stay healthy!

  • If you’re a homeowner, you probably know there is so much. Buying a home has mixed feelings about it; Excitement, confusion, stress, all at the same time. Additionally, thinking about saving money on closing costs can be overwhelming to say the least. But did you know that many of the loan terms are negotiable so you can put your hard earned money to better use instead of throwing it away when you close? Would you like to know how you can save thousands of dollars on graduation? Check out this article This will save you $ 8,000 in closing costs when buying a home from Love success and the sock drawer.
  • If you often debate whether it makes more sense to rent or buy, let me tell you that you are not alone. Knight Kiplinger of Kiplinger’s Personal Finance once said: “Rent is often less. The annual cost of owning a property, be it a house or a condominium, is usually higher than the after-tax rental cost. ”In the article, Is it Better to Rent or Buy?, JD Roth, the author of Getting rich slowly, evaluates the purchase or rental decision from a financial point of view.
  • When looking to buy something big, do you feel a little anxious and wonder if it’s going to go on sale anytime soon? Well, it’s a natural feeling, and it’s even more common when buying a house or other property. It is much more difficult to speculate when the housing bubble is about to burst, or to predict a market crash. Don’t worry, the author of Five years of fire escape has a process of dealing with the ups and downs of the real estate market and can teach you a thing or two on how to stop the stress in the market. Read the article, Are we facing a crash in the real estate market? to understand past and future market trends.
  • Worrying about saving too much for college stopping you from starting a 529 plan? Let’s be honest; Predicting what your children’s college spending will be in ten years or more is a tough task. But this is where the college compact comes in. The author of Chief Mom Officer talks about the benefits of opening a 529 for your kids’ college education and discusses legitimate ways to avoid paying fines or taxes on the unused money in the article, Saving Too Much For College On A 529 – Now What??

That’s it guys. Hope you enjoyed the Journal Club this week.

Are you reading anything interesting this week? Please don’t hesitate to share them in the comments below!

Thanks for reading and sharing!


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Sage 50cloud vs. QuickBooks Online: Which One Is Best for Your Small Business?

Both Sage 50cloud and QuickBooks Online are powerful accounting solutions for most small businesses. Even so,...

Pinterest stock is crushed due to disappointing user metrics

Source: Getty Images Despite increasing income, Pinterest (NYSE: PINS) The stock collapsed on Friday following the release of second quarter results, which showed a...