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b'Clark has a Spotify family plan. $15 a month includes 5 different streams - $3 per person.\\xa0Spotify faces competitive market threats from Apple Music. Pandora seems to be fading a bit. Now all face a new threat from Amazon. Amazon\\u2019s free, ad supported music service for Prime members has greatly expanded music offerings in an effort to hook users on the pay service. Joel\\u2019s already paying. This competition is a win for consumers. Maybe someday the artists and composers will win too.\\n\\nUnbelted 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\\u2019s 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.\\xa0\\n\\nEpisodically 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 \\u2013 it\\u2019s a shot in the dark. You\\u2019ll get a pitch designed to earn trust. But what goes on during the third shift? What\\u2019s 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\\u2019t go this route, and fly blind trying to choose a facility. Nursing Home Compare - \\xa0Find and compare Nursing Homes | Nursing Home Compare.\\xa0Cited 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.\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'