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It's that time of year again, not only for gift-getting but also for gift-giving. And this year, some holiday tipping protocol is changing due to the pandemic.An appropriate holiday tip amount will vary based on who is receiving the tip and also how much you can afford to give, and this year that might have changed for many compared to last.Co-president of The Emily Post Institute and etiquette expert, Lizzie Post, suggests considering the following:"Who’s on your list, who is really important to you, what is your budget, and how can you use your words if you can’t do a gift or tip," she said.For many of us, delivery drivers or people who work curbside pick-up at grocery stores likely played a bigger role in 2020 than ever before. If you're looking for a way to say thank you, consider a contact-less gift in the range."I’ve heard of people handing over a few bucks or sometimes even taping it in the trunk, then you pop the trunk and the money’s there," said Industry Analyst at Creditcards.com Ted Rossman, who's gathered data on holiday tipping trends and practices.Especially now, metro Detroit servers like Patrick Foody say an extra gesture really goes a long way. He works at Basement Burger Bar in Detroit, which doesn't have outdoor dining and due to an epidemic health order from MDHHS, cannot offer dine-in service until Dec. 20.Foody says he often doesn't get any tip at all when working take-out, and after tipping out cooks and dishwashers, he sometimes loses money on orders.“We take care of you all year long. Around the holidays especially this year when we’re not working dine-in, just to throw a little bit more care our way if you can," he said.You can also buy gift cards to restaurants in lieu of giving extra cash tips for the holiday; some venues like Basement Burger Car offer discounts or deals. At Basement Burger Bar, every in gift cards you spend gives you bonus bucks to spend at the restaurant, Foody says.“There are some industries, some places where they cannot accept gifts or cash, Post said. Like certain long-term care facilities or mail carriers. USPS workers cannot accept cash or gifts more than a value.In cases like that, Post suggests snacks, refreshments, or baked goods with a handwritten note. It's important to make sure there's enough to be shared with co-workers or other members of an office or branch; always leave a note and a visible list of ingredients, Post advises. And this year due to the pandemic, pre-packaged or individually wrapped items are best.“A minority of people are tipping their trash or recycling collectors, only about 40 percent of people typically do that," Rossman said.Cash tips for garbage or recycling collectors should generally be in the - range according to The Emily Post InstituteFor personal service providers like stylists, barbers, personal trainers, dog walkers, and the like, a holiday tip should be the value of one session or serviceFor regular babysitters, an appropriate holiday bonus would be equivalent to one day or night's payLive-in care providers or house cleaners should be given one week's pay as a sign of holiday appreciationPost said for those who cannot afford to give a monetary thanks this holiday season, handwritten notes that explain the difficult circumstances and offer appreciation for service go a long way.Click here for more holiday tipping protocols to remember this year.This story originally reported by Jenn Schanz on WXYZ.com. 3485

It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326

INDIANAPOLIS -- Two men have been arrested in connection with the death of a 1-year-old Indianapolis girl.The Indianapolis Metropolitan Police Department tweeted the news about the arrest Wednesday morning. Darrin Banks, 27, and Brian Palmer, 29, were arrested for their involvement in the shooting. Malaysia Robson was killed when gunfire struck her home on the 3500 block of Wittfield Avenue on March 30.  445

Infectious disease experts say the threat of superbugs is growing. They're bacteria that have evolved so that existing medications no longer work to treat infections.“This is made worse by the overuse and inappropriate use of antibiotics and it has become a crisis here in the United States and around the world,” said Dr. Helen Boucher, Chief of Infectious Disease at Tufts Medical Center.Boucher says antibiotic-resistant bacteria can affect treatment for patients with skin infections or cause urinary tract infections in otherwise healthy women.Superbugs are also well-known for their presence in hospitals, causing serious problems, like pneumonia.That's a big issue amid the pandemic, because hospitalized COVID-19 patients may face getting a secondary infection, putting them at a greater risk of dying.Boucher says the emerging threat of superbugs has gotten to the point where physicians have had to tell some patients their infection can't be treated because there's no effective antibiotic. That could mean a denial for an organ transplant or chemotherapy.“And that is nothing that any of us in the infectious disease business ever, ever want to face,” said Boucher. “And we know that if don't continue to advocate and act and really change this problem, that could get worse.”Boucher is working with the Partnership to Fight Infectious Disease to advocate for change in Congress.She says people should make sure to take any prescribed antibiotics appropriately and talk to their doctor about how much is truly necessary. 1540

In the shadow of the Capitol dome Tuesday was a sobering display of thousands of pairs of shoes, organized neatly across the grass said to represent children who have died in the US from gunshot wounds since the Newtown elementary school massacre in 2012.The global advocacy group Avaaz has been collecting donated pairs of shoes for two weeks and early Tuesday morning lined them up one by one, 18 inches apart, in roughly 80 rows on the Capitol lawn, as Congress continues to sort through a debate over gun violence and school safety."Shoes are individual. They're so personal. There are ballet slippers here and roller skates. These are kids," said Nell Greenberg, the campaign director for Avaaz.The display feature 7,000 pairs of shoes. To arrive at that figure, the group cited a 2017 report from the American Academy of Pediatrics using data from the Centers for Disease Control and Prevention that found nearly 1,300 children die from gunshot wounds in the US every year. Avaaz then tallied up the estimated number since the December 2012 shooting at Sandy Hook Elementary School.Organizers say shoes were donated from across the country and stored in a Washington, DC, warehouse until Tuesday. Among those who donated were family members who've lost loved ones to gun violence, such as Tom Mauser, who lost his son in the Columbine school shooting and traveled from Colorado to hand deliver his son's shoes for the display."My son wore the same size shoes as me. I discovered that after he died and that became a big symbol for me, that I could walk in his shoes," said Mauser, who has since become an advocate for stricter gun control.Mauser came to Washington with two pairs of his son's size 10.5 shoes. He placed one pair in the display and wore the other pair -- some gray and black Vans that Daniel was wearing the day he was killed. "That's usually what I wear," Tom Mauser said.Shoes from celebrities like actress Bette Midler and comedian Chelsea Handler were also seen on the grass.The display comes nearly one month after a gunman killed 17 people at a Parkland, Florida, high school, triggering a vocal movement led by student activists demanding more gun control and school safety.The House of Representatives votes Wednesday on a bill to increase security at school, and while it's expected to pass, many Democrats are upset the package doesn't include gun control measures. Also on the Capitol lawn Tuesday, six senators gathered for a news conference to support the Senate version of the House bill, also known as the STOP School Violence Act. The Senate version does not contain gun measures."This is about schools but it's not just about schools," Republican Sen. Marco Rubio of Florida, who is a co-sponsor of the Senate bill, told reporters. "When someone is determined that they're going to commit an act of violence, it could be in a school, it could be in a mall, it could be in a movie theater, it could be in an airport, it could be at a stadium. So, what we're really focused on here more than anything else is identifying the people that are going to commit a violent act irrespective of where they're going to commit it and stopping them before they do it."The Senate Judiciary Committee will hold a hearing Wednesday on the Parkland shooting and failures by FBI and law enforcement to recognize warning signs exhibited by the gunman before the massacre. The hearing is also expected to focus on a spate of recent gun control legislation that's been introduced by members on both sides of the aisle.Gabrielle Weiss, a 24-year-old volunteer who helped lay out the shoes Tuesday morning, said she wanted to help keep the issue of gun violence alive in the news cycle after seeing it fade after past shootings."I was happy that we were doing this a while after (the Florida shooting) just to keep beating the drum," said Weiss. "These kids that were lost in Florida, they aren't just headlines. They're real people that could have been standing there today." 4010