UBCNews

More Americans than ever are lying awake at night wondering if their retirement savings will last. Surveys are finding that workers feel behind on their retirement planning, and the anxiety has pushed many to look beyond traditional stocks and bonds. Gold keeps surfacing in these conversations, especially for Roth IRAs, where the promise of tax-free growth makes every decision feel weightier. Understanding Gold IRAs and Roth Accounts A gold Roth IRA works much like any other Roth account, except you're holding physical precious metals instead of paper assets. The IRS sets strict purity standards for what qualifies, and you'll need an approved custodian to handle both the purchase and storage. You're still using after-tax dollars upfront, which means qualified withdrawals after age 59½ come out completely tax-free. Three Reasons Gold Makes Sense for Retirement Diversification through inverse correlation. Gold tends to move in the opposite direction of stocks and bonds, whi...

Crypto has moved beyond speculative trading into the realm of long-term retirement planning. For investors curious about holding Bitcoin, Ethereum, or other digital assets alongside traditional retirement savings, crypto IRAs offer a tax-advantaged structure similar to conventional individual retirement accounts. Interest in this asset class is understandable, as these accounts allow investors to purchase and hold cryptocurrencies while benefiting from the same tax treatment applied to stocks, bonds, or mutual funds. Understanding the Mechanics of Crypto IRAs A crypto IRA operates through a self-directed individual retirement account. Unlike standard IRAs managed by brokerages with limited investment menus, self-directed accounts give investors greater control over alternative assets, including digital currencies. The process requires working with a specialized custodian who manages the account and ensures IRS compliance. These custodians typically partner with cryptocurrency exchange...

Key Takeaways: Mountain towns like Helen, Dahlonega, and Blue Ridge offer perfect weekend escapes within two hours of Atlanta Natural attractions including Amicalola Falls and Tallulah Gorge provide stunning waterfall hikes and family-friendly outdoor adventures Hidden gems like Providence Canyon and the Doll's Head Trail showcase Georgia's unique landscapes and urban art experiences Atlanta's central location in the Southeast creates endless opportunities for memorable day trips and weekend getaways. From towering mountain peaks to cascading waterfalls, residents have access to diverse landscapes and experiences within a short drive. Local recommendations consistently highlight destinations that offer authentic regional culture, outdoor adventures, and family-friendly activities that capture Georgia's natural beauty and unique character. Best Day Trips Within Two Hours of Atlanta The two-hour radius from Atlanta encompasses some of the Southeast's most spect...

Key Takeaways Luxury restroom trailers feature premium amenities like flushing porcelain toilets, hot and cold running water, and climate control systems that rival permanent indoor facilities. These high-end units accommodate 100 to over 750 guests with multiple private stalls and elegant interior design elements, including marble-style countertops and LED lighting. Self-contained operation with onboard water tanks (225-600 gallons) and waste systems allows deployment in remote locations without external hookups. Advanced sanitation technology and ADA-compliant options ensure comfort and accessibility for all event attendees. Premium supplies, entertainment features like Bluetooth audio, and professional-grade construction deliver five-star experiences that transform any outdoor event. Event planners who want to create a memorable experience understand that every detail matters, especially when hosting outdoor gatherings. While standard portable toilets serve a basic function, they o...

Key Takeaways RPM automates routine data collection, freeing clinical staff from hours of manual chart updates and patient calls. Smart alert systems help care teams focus on patients who need immediate attention instead of checking everyone. Hospital readmissions drop significantly when providers catch health changes early through continuous remote monitoring. Healthcare systems can manage more patients with existing staff by eliminating unnecessary office visits for stable conditions. Healthcare providers spend nearly half their workday on administrative tasks instead of treating patients, which costs billions while burning out clinicians. Organizations exploring ways to fix this problem are discovering that Remote Patient Monitoring streamlines workflows by automating data collection and flagging who needs attention. The shift allows clinical teams to focus on complex care decisions rather than paperwork and phone tag. Most healthcare systems struggle to manage more patients with f...

Falling reimbursement rates and declining prescription volumes force community pharmacies to find new income sources beyond traditional dispensing, while chronic disease patients need more accessible care between doctor visits. CCM and RPM programs offer Medicare-reimbursed revenue streams that leverage pharmacist expertise, though success depends on understanding partnership structures and implementation approaches that fit your operational reality. The Money Behind Medicare's Care Management Programs Medicare pays providers for CCM and RPM services because these programs cut hospitalizations and emergency visits while lowering long-term healthcare spending. In 2025, providers earn $60.49 for twenty minutes of monthly CCM care coordination when patients manage two or more chronic conditions. Additional time beyond that initial twenty minutes brings $45.93 per increment. RPM generates separate income through a $19.73 setup fee plus $43.02 monthly when patients send health data at ...