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Many car owners opt for DIY waxing to save money. While this can be effective if done correctly, it requires time and effort. Professional services ensure that the job is done evenly and thoroughly, providing better protection for your vehicle's paint. If you're short on time or unsure about how to apply wax properly, investing in professional services might be worth it.

• The core components of Medicare include Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). While these parts provide essential healthcare benefits, they do not extend to covering the costs of live-in caregivers. For example, Part A covers hospital stays and skilled nursing facility care after a hospitalization, but it does not pay for someone to live with a senior citizen and assist with daily tasks. Similarly, Part B focuses on doctor visits and preventive services but excludes non-medical home care.

• Another critical consideration is the deductible. While Amex's insurance may offer comprehensive coverage, many policies come with high deductibles that could still result in substantial out-of-pocket expenses in the event of an incident. For example, if you're involved in an accident and the repair costs exceed your deductible, you'll be responsible for paying the difference.

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