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Because obesity is a high-risk factor for COVID-19, there’s been an increased interest in bariatric surgery during the pandemic.Now, there's some evidence the procedure does in fact lower a person's risk of severe symptoms.“When the metabolic profile of the patients improve, patients are getting healthier and seem like they can fight the virus stronger and their outcomes are going to be better,” said Dr. Ali Aminian, Director of the Bariatric and Metabolic Institute at the Cleveland Clinic.The Bariatric and Metabolic Institute identified patients who had weight loss surgery prior to getting COVID and matched them against a control group of obese patients who also got COVID-19. Only 18% of those who had surgery were hospitalized with COVID-19, compared to 42% of the obese patients.None of the people in the surgery group ended up in the ICU, on a ventilator or died. Some in the obesity group did.Doctors believe because they had surgery, that group was healthier.Aminian says the number of bariatric patients at the Cleveland Clinic is almost double what it was last year. He stressed it’s a very safe, but not simple procedure.“It's a tool. It's a very safe tool. It's a very effective tool,” he said. “We help them in the journey, but patients need to use the tools to succeed.”Bariatric surgery candidates meet with a dietitian, psychologist, regular doctor and surgeon both before and after surgery.Despite the evidence of weight loss and surgery improving numerous conditions, access is still an issue. Even those with insurance may still only get a portion of the surgery paid for. 1606

Band-Aid is doing its part to address racial disparities by introducing a line of bandages in light, medium and deep shades of black and brown skin tones.The brand, owned by Johnson & Johnson, made the announcement on Instagram last week, saying the intent is to “embrace the beauty of diverse skin.”“We are dedicated to inclusivity and providing the best healing solutions, better representing you,” the brand continued.Additionally, Band-Aid said it will be making a donation to Black Lives Matter as a first of many steps to help address systemic racism.A Band-Aid spokesperson told CNN that it will be a 0,000 donation, in addition to the million that its parent company has committed to fight racism and injustice in the U.S. over the next three years.While Band-Aid’s new line is a step in the right direction, other brands have been doing this for some time now.For example, Tru-Colour Products was founded by a white father in 2014 who wanted to celebrate his adopted black son’s identity. Another example is Browndages, a black-owned bandage company founded by a husband and wife who were trying to fill a void in the market.Band-Aid itself has sold multiracial bandages in the past. In 2005, the brand launched its Perfect Blend products, but the company discontinued them because of “lack of interest at the time,” Band-Aid told CNN. The company still sells Perfect Blend products, but they’re clear.“We stand in solidarity with our Black colleagues, collaborators and community in the fight against racism, violence and injustice. We are committed to taking actions to create tangible change for the Black community,” Band-Aid said. 1663

Beverage maker Coca-Cola has slowly been announcing the cancelation of brands over the last few months, this week they officially announced they are cutting the number of brands they offer in half: saying goodbye to 200 brands.Earlier this month, the company announced plans to discontinue Odwalla juices, Zico coconut water, TaB diet soda, Coca-Cola Life, Diet Coke Feisty Cherry, as well as regional brands like Northern Neck Ginger Ale and Delaware Punch.In a statement, the company said reducing their brands by 50 percent will help them focus on its most profitable offerings and new offerings like Topo Chico hard seltzer and AHA flavored sparkling water.In a comment to investors, CEO James Quincey said they had finalized the list of which brands will remain, but he would not give specifics. He did say the "hydration" category, which includes drinks like Dasani water, Powerade, Vitamin Water and Zico, will see more cuts, according to CNN. Zico was already announced as being on the chopping block. "Throughout this year's crisis, our system has remained focused on its beverages for life strategy. We are accelerating our transformation that was already underway, shaping our company to recover faster than the broader economic recovery," said James Quincey, chairman and CEO of The Coca-Cola Company.In addition to cutting brands, the company announced they are changing their company structure that will result in both voluntary and involuntary reductions in staff.Coca-Cola reported a 9 percent decline in net revenues in the third quarter of 2020. 1571

BELLEVILLE, Mich. — A Good Samaritan was placed in a bad situation on a metro Detroit highway. Now his close call is going viral on social media while also alerting motorists to beware and trust your instincts. It was around 10 p.m. on Sunday when John Hadyniak of Belleville, Michigan  was heading home driving down I-94. When he got near Belleville road, he saw a woman on the side of the road changing a flat tire. Hadyniak's first thought was to stop and give her a hand, then his red flag radar lit up like the Fourth of July. The trunk on the car was closed, said Hadyniak, who is also a mechanic, and he noticed there was no plate on the trunk of the car. "I noticed that there was no jack and she had a tire iron in her hand," Hadyniak said. "Things didn't add up. It was just a bad feeling."He listened to that gut feeling and pulled out a flashlight and shined it on the woman. "I put the flashlight on her when I got out of the car," he said. "And about 15 feet off the side of the road there was a guy laying in the grass. I hit him with the light. He got up and jumped in the car and took off down I-94"In that moment, Hadyniak thought of what could have transpired. Those "what ifs" are still swirling around in his head. "Worse case scenario, I could have got bopped in the head with that, laid dead on the side of the expressway," he said. "(They could have) robbed me, stole my car – everything. If I wouldn't have seen him, it would have been bad news."Hadyniak posted the phonies foiled plan on Facebook with a warning to folks to be smart and beware. He also contacted the cops and gave them a description of the car – a silver Nissan Sentra.  1736

Blogger John Schmoll’s father left a financial mess when he died: a house that was worth far less than the mortgage, credit card bills in excess of ,000—and debt collectors who insisted the son was legally obligated to pay what his father owed.Fortunately, Schmoll knew better.“I’ve been working in financial services for two decades,” says Schmoll, an Omaha, Nebraska, resident who was a stockbroker before starting his site, Frugal Rules. “I knew that I wasn’t responsible.”Baby boomers are expected to transfer trillions to their heirs in coming years. But many people will inherit little more than a pile of bills.Nearly half of seniors die owning less than ,000 in financial assets, according to a 2012 study for the National Bureau of Economic Research. Meanwhile, debt among older Americans is soaring. It used to be relatively unusual to have a mortgage or credit card debt in retirement. Now, 23 percent of those older than 75 have mortgages, a four-fold increase since 1989, and 26 percent have credit card debt, a 159 percent increase, according to the Federal Reserve’s latest data from the 2016 Survey of Consumer Finances .If your parents are among those likely to die in debt, here’s what you need to know.You (probably) aren’t responsible for their debts. When people die, their?debts don’t disappear. Those debts are now owed by their estates. Some estates don’t have enough assets (property, investments and cash) to pay all of the bills, so some of those bills just don’t get paid. Spouses may have the responsibility for certain debts, depending on state law, but survivors who aren’t spouses usually don’t have to pay what’s owed unless they co-signed for the debt or applied for credit together with the person who died.What’s more, assets that pass directly to heirs often don’t have to be used to pay the estate’s debts. These assets can include “pay on death” bank accounts, life insurance policies, retirement plans and other accounts that name beneficiaries, as long as the beneficiary isn’t the estate.“You take it and go home,” says Jennifer Sawday, an estate planning attorney in Long Beach, California.You need a laywer. Some parents hope to avoid creditors or the costs of probate, which is the court process that typically follows a death, by adding a child’s name to a house deed or transferring the property entirely. Either of those moves can cause legal and tax consequences and should be discussed with a lawyer first. After a parent dies, the executor must follow state law in determining how limited funds are distributed and can be held personally responsible for mistakes. That makes consulting a lawyer a smart idea — and the estate typically would pay the costs. (The costs of administering an estate are considered high-priority debts that are paid before other bills, such as credit cards.)At his attorney’s advice, Schmoll sent letters to his dad’s creditors explaining the estate was insolvent, then formally closed the estate according to the probate laws of Montana, where his dad had lived.A lawyer also can advise you how to proceed if a parent isn’t just insolvent, but also doesn’t have any assets at all. In that situation, there may not be a reason to open up a probate case and deal with collectors, Sawday says.“Sometimes, I advise clients just to lay the person to rest and do nothing,” Sawday says. “Let a creditor handle it.”You need to take meticulous notes. The financial lives of people in debt are often chaotic — and sorting it all out can take time. As executor of his dad’s estate, Schmoll dealt with over a dozen collection agencies, utilities and lenders, often talking  to multiple people about a single account. He kept a document where he tracked details such as the names of people he talked to, dates and times of the conversations, what was said and required follow-up actions as well as reference numbers for various accounts.You shouldn’t believe what debt collectors tell you. Some collectors told Schmoll he had a moral obligation to pay his father’s debts, since the borrowed money might have been spent on the family. Schmoll knew they were trying to exploit his desire to do the right thing, and advises others in similar situations not to let debt collectors play on their emotions.“Just don’t make a snap decision, because it’s very easy to say, ‘You know what? I need to think about it. Let me call you back,’” Schmoll says.This article was written by NerdWallet and was originally published by The Associated Press. More From NerdWallet 4587

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