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CVS Health is encouraging employers to cover Sleepio as an employee benefit. This app is supposed to help people with insomnia. Through a six-week program, it’s supposed to help people fall asleep faster and stay asleep by using cognitive behavioral therapy. It's encouraged by doctors because it tackles sleeping habits by changing people's negative thinking patterns. But do sleep apps really work? One expert at the University of Colorado says they do help provide certain information that your doctor may not have, like how long you're sleeping every night. But there are other things sleep apps can't do. “Where they fall short is when they're sort of estimating your sleep stages,” says Christopher Depner, a sleep expert at the University of Colorado. “That's gonna be your light sleep, your REM sleep and your deep sleep. In some people they're accurate, in other people they're less than 50% accurate. So, for right now, we really can't use them medically to assess sleep staging.” If an app alerts you that you're getting less than seven hours of sleep, talk to your doctor. These sleep apps are not actual medical diagnostic devices because they're not approved by the FDA. That's not to say they won't ever be approved, but right now, app makers are having a hard time getting the green light.The same applies to any other app that intends to treat other conditions. 1391

A Port St. Lucie man is recovering after he was bitten on the leg by an 8-foot alligator while walking his dog over the weekend, authorities said.According to the Florida Fish and Wildlife Conservation Commission, Mark Johnson, 61, was attacked near a canal in a Port St. Lucie development around 9:30 a.m. on Sunday."I kind of slide and my foot is stuck in the mud, and the next thing I know, I see the lunge," Johnson said. "He starts clamping down pretty tight and he started to pull, and the next thing I do, I instantly, here's my fingers, I poke through the eye."Johnson said the gator was trying to drag him under the water, spinning while clamping down on the victim's leg."This gator was coming in fast. He was aggressive," Johnson said. "My foot was hanging out of the corner of his mouth."Johnson said that after he poked the gator in the eye, it let go of his leg and took off."I had to do something. That's what I say, you have seconds to react," Johnson said.The victim was taken to a local hospital, where he received 62 stitches in his right left and was later released.Johnson said his dog Rex was not hurt.The FWC said an alligator trapper responded to the area of the attack and captured an 8-foot gator. The reptile was then relocated to an alligator farm.People with concerns about gators should call FWC's nuisance alligator hotline at 1-866-FWC-GATOR (866-392-4286). This story originally reported by Ryan Hughes and Matt Papaycik on wptv.com. 1490

Paycheck Protection Program funds helped keep more than 5 million American small businesses alive through the first half of 2020, but one woman has a warning for anyone applying for aid.Kelleye Thomas, who runs a home daycare, had to shut down for three months due to the pandemic.Her income dropped to zero during the shutdown, but like so many small business and independent workers, she was saved by the government's Paycheck Protection Program."I applied for that through the Small Business Administration, and I was granted a forgivable loan for ,500," she said.That lifeline turned into a financial nightmare because of where she deposited the funds. Before she could even begin using the money, she said, Fifth Third Bank locked her account pending a fraud investigation."The check was deposited, and a few days later I noticed there was a freeze on my account," she said.Panicked, she called the bank."They let me know I needed a business account to receive the funds from this loan," Thomas said.Risk of using your personal accountA lot of independent workers and small business owners use just one account for everything because it is so much easier.But doing that can be very risky if you are getting any sort of federal aid.Business Insider says PPP loans must be put into a separate account to prevent:Payroll errors.Accidental misuse.Questions from your bank.That's what happened here, where the bank's investigation locked her out from all her money.As a result, she was unable to pay some of her most essential bills."I couldn't pay my mortgage or buy food or pay my credit card bills," she said.So we contacted her bank, Fifth Third Bank, where spokeswoman Laura Trujillo told us: "We take potential fraud seriously and are diligent stewards of our customers' money."Because the bank found no fraud in this case, it unlocked Thomas' accounts after our inquiry.Now, she's warning others about mixing pandemic aid with personal funds."I have always had my daycare money deposited into my personal account, and no one ever said anything about it or said I needed to open up a business account," she said.Business Insider says there is one more reason to keep PPP money separate: Eventually having the loan forgiven. Getting forgiveness can be much tougher if all your funds are commingled.So keep tight records, so you don't waste your money._________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2682

Cheese Importers is a business that will directly feel the impacts of the cheese tariffs recently imposed on the European Union. “We started in 1976 out of our family home with six packs of cheeses from Wisconsin,” Cheese Importers Co-Owner Clara White said. From olives and pastries to European home goods, its main attraction is in the name. Cheese Importers offers a selection of 350 imported cheeses – most of them are from Europe. “Countries like Italy, Portugal, Spain, France,” said Sascha Stanger, the Vice President of Sales, Marketing and Purchasing at Cheese Importers. It’s a popular spot for cheese lovers. However, prices are about to go up as cheeses of all types and flavors because the European Union has just been hit with an import tariff. "Really, it is impacting people negatively,” White said. White and Stanger say certain cheese prices are subject to a potential 25% increase. “[Cheeses like] Parmesan-Reggiano from Italy, Grana Padano from Italy, Buffalo Mozzarella from Italy,” Stanger said. “One of the items that will definitely be subject to change is Manchego from Spain.” The team says they haven’t felt a huge impact yet, but they’re anticipating a potential hit to their bottom-line. Therefore, they’re looking for alternative solutions to save money. “We buy directly from our sources in importing, but in the meantime – just to figure out how to put ourselves in a position of strength as what everyone is doing – we’d reach out to all of our importer partners across the united states and see what they would sell to us at the better price point,” White said. Truth is, European cheese is what the business is known for. Inevitably, customers will have to pay more. “You either have to pass it on, or you have to absorb it. And there’s not much room to absorb it. In fact, there’s no room to absorb it,” White said. Distinguished economics professor Dr. Kishore Kulkarni with MSU Denver says there are multiple reasons the current administration could be imposing tariffs on goods from Europe. It's a way for the U.S. to generate more tax revenue. Tariffs are also a way to punish foreign exporters if the government believes a certain country is not playing on a level field. In the context of cheese, Dr. Kulkarni says it's likely the federal government is hoping the tariffs will help U.S. cheese producers earn more money. “As we raise the taxes on the European imports, then the domestic cheese producers like it, because the price of imported cheese goes up, and then the domestic cheese producers can obviously raise their prices a little bit, and then their competition is stopped by this tax,” Dr. Kulkarni said. However, in his opinion, tariffs are never beneficial for the economy as a whole. “40 years of economics training has been telling me that the penalty that consumers pay, is much higher than the benefits that domestic producers get,” Dr. Kulkarni said. When one country imposes a tariff, the other country is likely to retaliate. “Then it just becomes a trade war, and this is a war where nobody wins,” Dr. Kulkarni said. It's a war where the consumer is punished too. “The fact is that the cost of a tariff gets passed along to consumers,” Cheese Importers customer Steve Pittman said. Ultimately, Cheese Importers hopes the tariffs will be lifted. However, in the coming months, they plan to continue in good spirits providing their customers with the specialty cheeses they’ve grown to love.“We do the very best we can with a lot of integrity and a lot of heart and soul and tighten our belts where we can and just try to be a good contributor in the world,” White said.   3652

The votes are still being counted but what do we know about the agendas of President Trump and former Vice President Biden? What would a first 100 days of Trump's second term look like, or Biden's first?Watch the video above as PIX11 News' Kala Rama explains. This story was first reported by Kala Rama at PIX11 in New York, New York. 357