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They are highly specialized and expert in their area which is critical when making a referral as a generalist. The same holds true with long-term care insurance.

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So just to sum it all up: V.me is a substandard PayPal clone, that much is clear. But even if it were a worthy PayPal alternative, such as American Express Serve, the question would still remain: why would you want to open up a V.me account when you probably already have a PayPal account.