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With health care costs on the rise, a growing number of Americans are throwing out the old way of seeing a doctor and turning to a membership model. A monthly or annual fee gets you direct access to a doctor, no insurance needed.Twenty years into her career, bogged down by red tape, too many patients and long days, Dr. Shaila Pai-Verma was looking for a better way to practice medicine.“I was just miserable,” she said. “The joy of medicine is gone and then you're just doing paperwork.”So, a year ago, she started a new primary care practice with a new business model.“The patient basically has a direct contract with the physician and they take insurance companies out of it,” she explained.Patients pay a flat monthly or yearly fee. In exchange, they receive a broad range of primary care services and quick, unlimited access to their doctor via in-person office visits, phone or by text.“Everyone wants everything immediate. And so, I think this is it. It's good, especially in this time for people to have access,” said Pai-Verma.Membership fees range from about 5 to 0 per month on average – about 0 less than having typical health insurance. Most patients still carry catastrophic coverage for emergency treatments and hospitalizations, but that insurance is usually only -100 a month, so patients still save money.For Bonnie Micheli and her family, it was all about access.“With this, it's just so much easier to just know that I can contact directly here within a few hours for any issues that I'm having,” said Micheli.In late September, a bipartisan proposal was introduced in Congress that would expand access to the model and allow people to use their health savings account for direct primary care (DPC).Because they see fewer patients than traditional practices, some critics say the model could worsen the shortage of primary care physicians, a trend that’s already driven by burnout.But according to a recent study, DPC members had 25% lower hospital admissions and the cost of emergency room claims was reduced by 54%.“There's less ER visits and you know, better health care for the patient,” said Pai-Verma.While there is still debate, for a growing number of Americans, like Micheli, it’s becoming a simplified health insurance alternative.“Honestly, it’s just so nice to know what I'm paying every month or if you do the annual, what you're getting for that money, and you know exactly who to go to when you have a problem.” 2467

William and Catherine, the Duke and Duchess of Cambridge, have chosen an autumnal photo of their family sitting on a tree trunk for this year's Christmas card, which was made public on Friday.The Duchess can be seen smiling broadly as she holds baby Louis, while three-year-old Charlotte and five-year-old George hold on to their father.At the same time, Harry and Meghan, the Duke and Duchess of Sussex, released their own Christmas card that shows the pair embracing on their wedding night in May. 507

With baseball, basketball, and hockey back underway, we can say sports are a thing again.The months of March, April, May, and June were difficult on lots of fans who value the role of sports in their lives, but some fans were making out just fine.“For three or four months, sports cards replaced sports as entertainment,” said Mike Fruitman, owner of Mike’s Stadium Sports Cards in Aurora, Colorado. “People were coming in saying, 'Give me a Jayson Tatum card,' and I’m like, 'You know he hasn’t played since March?'”Fruitman has been in business for 29 years and he says the last four years have been the most profitable in his career. That includes when the Broncos won the Super Bowl in 2016.“When there’s a baseball strike. When there’s football, basketball, hockey stoppages, people forget these [sports],” said Fruitman. “They get really disinterested in it. We didn’t have that this time.”For example, Kansas City Chiefs quarterback Patrick Mahomes is one of the most popular sports figures in the world. He was only drafted four years ago, but already has amassed a career that has changed the quarterback position in the NFL. Coming into 2020, one of his rookie cards was trading at ,750.One month into 2020, he won the Super Bowl with the Chiefs, and then in early July, signed the most lucrative deal in sports history: 3 million over the course of 10 years.Only days after he signed that contract, the same rookie card was sold for ,475.“When you buy a card of a player it’s like buying stock in a company,” said Fruitman. "If there’s a tsunami that affects Apple, you’re going to see their stock depreciate one day. If they come out with the iPhone 13 and it’s the best iPhone and it cures whatever, their stock is going to go up, and you’re seeing much of the same thing with sports cards.”"A lot of the cards are selling for a lot more money than game worn jerseys and things like that,” added sports cards guru Rich Mueller. "It’s a commodity.”Mueller is the founder and managing editor of Sportscollectorsdaily.com and tracks market fluctuations in card prices. He says what we are seeing is something unprecedented because people have been so hungry for sports."COVID hit so you have people sitting at home, not going to games, not gambling, not spending money on vacation. EBay is accessible, so [they buy cards],” he said “It’s like nothing I’ve ever seen and I lived through the 90s when there was a baseball card store on every corner.”And it’s not just sports fans buying and selling sports trading cards, but investors who are not interested in sports at all.Consider this: Bol Bol is a rookie basketball player for the Denver Nuggets. In June, before the new NBA season started, his card was trading for less than . Then, a few weeks ago, he posted 15 points, 10 rebounds, and 6 blocks in a scrimmage game, and the price shot up to more than because people wanted to get in on the low prices in case he panned out to be a great player.“The boxes that contain the cards have appreciated,” said Fruitman. “I can’t say every box, but most of them have appreciated by 50 percent, if not 100 percent. Especially basketball. It’s been unreal.” 3184

With COVID-19 cases surging across most of the country, teachers are weighing whether it’s safe for them to return to the classroom while at the same time, trying to make sure their students don’t slip through the cracks because of the virus.In a virtual town hall-style meeting, four educators from across the country gathered to share their thoughts, concerns and excitement about the upcoming school year. The overriding theme: parents and students will need to be flexible.“We’re going to ask you for grace for this entire year. We want to teach your children, but when we voice concerns it’s not because we’re lazy and we don’t want to work, it’s because we want to make sure our families are safe, too,” said Rachel Sandoval, an elementary school teacher in Colorado.Sandoval’s school was forced to close back in March because of COVID-19. She knows her students have lost out on valuable in-person learning time because of the virus, but she’s also worried that gathering students back in a classroom setting this coming fall could give the virus a perfect environment to spread in.“We can’t do the same thing we did last year. The world has changed. Everything has changed,” she said.Her concern was echoed by other teachers who joined the virtual town hall.Steph MacPhail teachers 5th grade in Minnesota. As a mom, she’s struggled to juggle a full-time teaching job, while at the same time, taking care of her two young boys.“I felt really burned out this spring from a teacher perspective and from a parent perspective,” she said.While McaPhail misses her students, she worries that COVID-19 cases will continue to surge if kids go back to school.“Kids and families want to go back to normal, but this is going to be anything but normal, and that’s scary,” she said.Across the country, many school districts are choosing to start the year virtually, which brings another set of challenges. Some kids don’t have adequate internet access or access to a computer that they can use to access online classes.“We need to make sure kids are still staying engaged while at the same time dealing with these environmental factors. For a lot of students in poverty-stricken areas, having the one interaction at school is so critically important,” said Dr. Kenyae Reese, who serves as a principal in Nashville, Tennessee.Dr. Reese’s district is one of those starting the school year entirely online. She’s asked her teachers to be flexible. In some instances, she says she’s talked to students who might be embarrassed to turn on their camera during a Zoom call because of the home they live in. Other students in her high school are taking care of younger siblings, all while trying to keep up with classwork.“We’re changing the landscape of a whole generation, what they know about school and how they interact with people,” Dr. Reese said.With all the uncertainty, though, every teacher still expressed joy and excitement about whatever the upcoming school year brings, including Phillip Starostka, who teaches elementary school in Arizona.“We are working as hard as possible and will do everything we can to make it seamless,” he said. 3145

When cruise lines begin sailing again, the Centers for Disease Control and Prevention has some guidance. The health agency issued their “framework for resuming safe and responsible cruise ship” operations Friday, ahead of the no-sail order expiring Saturday.The no-sail order, which originally began in April, prohibits cruise ships from carrying 250 passengers in waters subject to US jurisdiction.The CDC said it has identified at least 3,689 coronavirus-related illnesses, and 41 associated deaths, connected to cruise ships. Although the CDC cautions these figures are likely an underestimate.The framework urges a phased approach, and applies to ships that have the capacity to carry at least 250 passengers in waters subject to U.S. jurisdiction.“A phased approach is necessary because of the continued spread of the COVID-19 pandemic worldwide, risk of resurgence in countries that have suppressed transmission, ongoing concerns related to restarting of cruising internationally, and need for additional time for the cruise industry to test the effectiveness of measures to control potential COVID-19 transmission on board cruise ships with passengers without burdening public health,” a statement from the CDC reads.During the beginning, cruise line operators will have to demonstrate adherence to testing, quarantine and isolation plans, as well as social distancing requirements for passengers and crew members.The CDC says they will help by “establishing a laboratory team dedicated to cruise ships to provide information and oversight of COVID-19 testing,” updating instructions and creating a system to track ship status and passenger cases.Meanwhile, cruise lines will need to build out the capacity and ability to test crew and passengers on a regular basis.In their framework, the CDC says there may be simulated, or mock, voyages with volunteers to test cruise ship operators’ ability to apply COVID-19 mitigation measures.Although the no-sail order will be lifted, Carnival, Royal Caribbean and other cruise lines have already cancelled sailings until 2021. 2083