A recent analysis from Kaiser Family Foundation found the average younger American does not have a primary care provider (PCP).
Looking at survey answers from 1200 participants, 45% of 18 – 29 year-olds admitted to not having a PCP. 28% of those aged 30-49 and 18% of those aged 50-64 said the same. Those over age 65 were the largest group to have a primary care provider.
Those born between 1981-1996, known as the Millennials, may have different attitudes towards health care. Keep in mind, they just lived through nearly a decade of recession, computer hacks, Obamacare controversies, and societal distrust of pharmaceutical companies.
PCP’s however are the “quarterback” in one’s healthcare, keeping accurate and thorough records on one’s medical history, addressing immediate and chronic issues, and coordinating where their patient needs to go if a specialist is needed.
But Millennials, instead, are preferring urgent cares, retail clinics, emergency rooms, or using telemedicine for their medical needs.
However if one, unknowingly, suffers from a chronic condition and has various acute issues, they may be misdiagnosed because they are receiving piecemeal care without someone overseeing them and connecting the dots.
Diseases such as cancer, diabetes, heart disease, syphilis, AIDS, neurological disorders and autoimmune illnesses are just a few that may cause intermittent acute episodes before becoming deadly. Someone needs to take a step back, look at one’s medical history and properly diagnose, or simply put, see the forest from the trees.
Our healthcare system is changing and the needs of the younger generation appear to be better met by clinics that charge up front, address a single issue, and provide convenient hours. Therefore “primary care” providers will still be needed, however, the art of “primary care” may evolve into a whole new beast.
Each generation is raised less and less by its parents, who are stretched so thin they both have to work full-time, if they're still together at all (half aren’t). They trust their children’s upbringing to a drastically underfunded education system, upon which just three percent of America’s $3.95 trillion budget is spent, and that includes funding for training, employment and social services as well.
U.S. spending on education declined three percent from 2010 to 2014 despite schools already scraping the bottom of the job applicant barrel because they can't afford to pay living wages. Students know that so avoid going into teaching, leaving fewer and fewer adequate teachers to educate let alone raise kids. That’s why manners and civility have gone out the window, too, because teachers are just trying to make it through the day instead of checking the bad behavior of their students. Teaching is hard enough without having to play parent, too.
The problem with Millennials is their parents never changed the channel. If Generation X was raised on television, Millennials are being raised on YouTube. Basically, it would be like Gen Xers growing up having watched nothing but America's Funniest Home Videos and reality TV with no budget or production crew or mission besides clicks and follows hosted by vain, selfish seekers of celebrity. Mister Rogers has been replaced by a pervy-looking guy going by PewDiePie who was dropped by Disney for posting anti-Semitic videos.
Now that there's nothing governing media production or publication, and nothing stopping anyone from publishing whatever strikes their fancy, there’s a lot more content, both entertaining and educational, available to consumers. There’s no shortage of educational options out there for parents. In fact, there’s more quality, educational content available than ever before. But there’s also more content being created strictly for entertainment purposes, and parents are glad to let children choose their own channels because it gets them out of parenting, so they can selfishly change channels on their own screens.
The children of my generation knew better than to change the channel because our parents parented in single-screen households. Sure, we’d sneak in an episode of Beavis and Butt-Head or South Park when our parents weren’t watching the tube (or us), but we also watched what our parents watched when they were watching television. Our first fight over the remote let us know we had no choice in the matter. Nowadays children aren’t losing that first fight over the remote. There’s no one dictating the content consumption of children, and the children are worse for it.
By the time kids are physically able, they’re holding a screen the size of their face that diverts their attention, and parents are giving up the channel changer as soon as possible, trusting in child-safe, software features that do nothing to govern content quality (until recently), only quantity of explicit content. Children dictating their content consumption undermines parents’ ability to effectively parent because of the availability of alternative screens and means of accessing that content.It used to be when you were grounded you didn’t have access to screens, and some parents are still taking phones and tablets and computers away as punishment for bad behavior. And kudos to them for doing so, but these screens are a part of our education system now. iPads are first-grade tools not unlike chalk and chalkboards, and the more these devices are accepted as everyday accommodations, like televisions were, the more children will abuse the availability of those tools.
Just think of how few people get their news from actual newspapers anymore. We’ve abused our privilege of the free press to the point we’ve actually forced the free press to give us a better reason why we should consume their content besides simply knowing the truth. Television news used to tell truths, too, until capitalists realized entertaining content—not educational content—produces the most capital, turning Edward R. Murrow from news reporter to entertainment reporter.
The problem with Millennials stems from the problem with capitalism with regards to education. That is, an educated workforce results in less capital produced, while an entertained workforce results in more capital produced. It is not in the interest of the haves to educate the have nots but to entertain them just enough for them to be content with what they have. That was the playbook followed by slave owners, and it’s the playbook followed by the ruling class to this day.
The fact that the production of entertainment comes cheaper and cheaper with every screen placed into the hands of children throughout America satisfies the capitalists just fine. But it’s well past time for parents to change the channel for their Millennial children if they ever want their kids to consume content that educates. Kids aren’t as likely to find that content on their own.
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The Home Building and Remodeling Expo visited Minneapolis over the weekend, providing ample opportunities to win things, ranging from complete kitchen and bathroom remodels to an ATV. There was also ample opportunity to schedule free estimates for home improvements and remodels.
The Dody Kettler Team of Keller Williams Realty put together a flyer with the four “home improvements worth doing,” including estimates and expected cost recuperation according to the 2018 Remodeling Cost vs. Value Report. That information was mostly incomplete and is based on who is buying homes now and not who will be buying homes.
Millennials are looking for different things than their mothers and fathers did when buying their first homes. Some staples like curb appeal and off-street parking are still important, but you’d be surprised what Millennials want in a home. So here are the seven home improvements that will payoff the most given the new market of Millennial buyers.
More than half of all buyers desire well-lit exteriors, but Millennials showed a stronger preference compared to other generations. A well-lit exterior conveys safety and security, and if you think homebuyers won’t drive by your home at night, you’re wrong. Thoroughly informed homebuyers know to visit the neighborhoods where they’re shopping to see what the neighborhood looks and sounds like at night. If you’ll forgive the cliché, the difference can be night and day.
Installing exterior lighting around garden beds and lights operating on motion sensors is a modest expense that will really improve your curb appeal and keep the offers coming. Path lights run $10 a piece, and motion-sensor lights can be had for less than $20.
It should be no surprise that energy efficiency is important to Millennial homebuyers entering the market. They are environmentally conscious and frugal to boot. That’s why you shouldn’t ignore updating your appliances before selling your home.
If you own a small home and require very little electricity, installing a solar array could pay itself off before you even complete the rest of your home renovations. I averaged 312 kilowatt-hours in January at a rate of roughly 15 cents per kilowatt-hour through Xcel Energy. Wholesale Solar has a calculator that can recommend a solar array perfect for your home and estimates how long it will take to payoff. I could install a solar array for just over $1,000. It will pay for itself in just two years, so don’t let anyone tell you installing a solar array is too expensive.
Besides your heating and cooling systems, your hot water heater is the most energy intensive appliance in your home. My furnace and hot water heater were recently replaced and played a big role in influencing my purchase. Any home with a hot water heater or furnace more than three years old were basically knocked off my list immediately.
Your hot water heater is also the cheapest of the “big three” appliances to replace. Units that can heat 30 gallons run less than $400, and 40-gallon units are less than $600.
Replacing that old clothes washer/dryer combination is an absolute must. Your washer and dryer are responsible for 13 percent of your home energy consumption. That’s way more than your refrigerator, which accounts for four percent of your home energy consumption.
Keep in mind that, more than anything, Millennials want a laundry room, and Millennials prefer their laundry to be on the same floor as their bedroom, so if you have a room on your main floor for a stackable washer/dryer and can run some plumbing to it easily, it would behoove you to do so.
The refrigerator/freezer is the cornerstone of the kitchen. As the biggest item in your kitchen, it dictates the look and feel of your cooking environment and tends to turn heads, in either a good or bad way.
Before you decide to replace your refrigerator/freezer, though, use Energy Star’s calculator to determine whether it’s worth it. A new refrigerator isn’t going to sell your house, but if you have other renovations that will take years to complete, or intend to stay in your home for awhile, having an energy efficient refrigerator/freezer could payoff. Replacing a refrigerator/freezer made in the early 1990s with an Energy Star refrigerator/freezer can save you over $150 per year.
New appliances can make your kitchen bigger and give it an updated look that will be appreciated by anyone who cooks. I moved out an old, 40-inch-wide gas range in my kitchen and replaced it with a newer, more efficient 36-inch range that gave me enough room to add an 18-inch dishwasher to a kitchen measuring roughly 100 square feet. So not only am I saving energy, but I made my kitchen bigger, which goes a lot further than new appliances in selling your home. I even scored a newer microwave that matches the oven/range! If new appliances aren’t in your budget, shop Craigslist for local deals.
Curb appeal is still most important when it comes to enticing offers on your home, and nothing improves your curb appeal like a wood deck addition. Composite decking might hold up better against the elements, but wood still looks and feels better, as is indicated by the fact that three of every four new decks built are still constructed with pressure-treated lumber. Much of that has to do with cost.
A two-by-six-inch piece of pressure-treated lumber runs a little more than $1 per linear foot. Composite decking is more than twice that, and plastic decking is three times the price. So if you’re going to build a deck, build it of wood. You won’t mind washing it annually and putting a stain on it every few years because it will look and feel so much better than your neighbors’ cold, composite deck.
The 2018 Remodeling Cost vs. Value Report says you can expect to recuperate almost 83 percent of your costs on a wood deck addition. That cost is estimated at $10,950 on average. A composite deck addition only recuperates 63.6% of an average cost of $17,668.
Again, improving the curb appeal of your home continues to top the list of home renovations that payoff the most. Adding a manufactured stone veneer around the base of your home will have homebuyers salivating before they cross the threshold...or even park the car.
You don’t have to be a millionaire to give your home good masonry anymore. Rock work has exploded in popularity, so there are more people doing it and materials that allow it to be done at a reasonable rate. You can get enough manufactured stone to cover 150 square feet for just over $1,100.
You’d probably be surprised to discover that adding a manufactured stone veneer is estimated to cost just over $8,000 on average. The return on investment is even more shocking -- 97.1 percent and climbing considerably.
As this list indicates, curb appeal is still king when it comes to selling your home, and nothing improves that appeal more than a designer front door constructed of steel. Replacing your front door not only provides the best return on investment but is the cheapest renovation you can make to your home before putting it on the market.
Even if you’re not selling your home, purchasing a new front door is a smart investment. You can dramatically lower your heating and cooling costs by adding a new front door, and why not change the door if you have to change the locks anyways?
The 2018 Remodeling Cost vs. Value Report estimates the cost of replacing your front door at $1,471, which is a bargain considering how much it’ll payoff. You can expect to get 91.3 percent of that cost back in resale value.
This would be number one on the list if the return on investment was just a little bit higher. The beauty of improving the landscaping surrounding your home is that it’s something you can do yourself and, hopefully, enjoy doing.
Planting some trees and bushes and putting in a garden with some nice, stone pavers is cheap, and a 2016 survey conducted by The National Association of Realtors and the National Association of Landscape Professionals found the return on investment to be 105 percent. Again -- curb appeal.
Insulation isn’t typically seen or noticed by homebuyers unless your realtor makes it a point to sell the energy efficiency of your home, but the payoff of proper insulation is better than any other home renovation you can make. It’s also cheap.
Most insulation installations can be done for less than $1,500 -- on par with the replacement of your front door -- but the return on investment was 108 percent in 2017, according to Remodeling Magazine. The best part is, added insulation is a good investment whether you intend to sell your home or not.
So there are the seven home renovations that will payoff the most given the Millennials looking for their first homes. Invest wisely.
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