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Homes, unlike other investments (the stock marketplace for example) are valuable in two ways: 1) Psychological value - homes have value because everyone thinks they should, and 2) "real" value (people, homeowners and renters, need shelter). Terms and definitions. Your current 5 stages of qualified essential health benefit selections: Platinum, the most expensive in gross premiums, is expected to fund the about 90% of claims; Gold, t