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It's been a brutal week for many big American retailers.JCPenney announced Friday that it will cut 360 jobs at its stores and corporate headquarters. That's on top of the more than 5,000 layoffs in 2017 after JCPenney decided to close nearly 140 stores.The struggling retailer also said that its earnings and sales for this year will be worse than what Wall Street analysts were expecting. Shares of JCPenney plunged nearly 10% in early trading.JCPenney wasn't the only prominent bricks and mortar chain to report poor results this week.Barnes & Noble posted a quarterly loss and a drop in sales Thursday morning, sending the bookstore's shares to an all-time low.Victoria apparently needs a new Secret too. L Brands, the owner of the lingerie seller and Bath & Body Works, plunged 14% Thursday after its outlook turned out to be more devilish than angelic.Nordstrom, which is trying to go private, failed to impress investors with its latest results after the closing bell Thursday. Its stock fell 6% Friday morning.And the other shoe dropped at Foot Locker. The sneaker and athletic apparel company's sales missed forecasts and its outlook was weak as well. Foot Locker's stock dove 7% Friday morning.Related: The one sector of retail that's hiring -- a lotAll this bad news comes at a time when the retail industry is undergoing a massive transformation as more and more consumers shop online.People are still spending. They are just doing so on their phones as opposed to at the mall.That's been great for e-commerce leader Amazon, which has continued to post impressive sales growth. Its stock is also up more than 25% this year and is near a record high.Coye Nokes, partner in the consumer and retail practice at strategy consulting firm OC&C, said that the threat from Amazon is clearly the biggest challenge for most traditional retailers."Amazon is still coming and it is entering even more categories," she said.But she added that there are some retailers that have been fighting back and have done a good job of boosting their own digital operations.Related: Macy's is back! Stock up on solid salesMacy's shares rallied earlier this week after the iconic retailer topped analysts' forecasts and said that online sales continued to grow at a double-digit pace.Best Buy also posted strong sales in its stores and digital operations on Thursday. The electronics retailer's stock even rose 4% while the broader market tanked on fears of a global trade war.And there are other traditional retailers that are holding up well.Gap shares bucked the market's downward trend Friday, rising 5% after it posted solid results. The Gap's Old Navy brand is on fire. Its same-store sales were up 9% during the holiday quarter.Department store chain Dillard's topped forecasts earlier this week too, sending its shares up nearly 17% on the news.So it's not all doom and gloom for retail. The industry is in the midst of a shakeout that will lead to some casualties and some big winners. But the American consumer is still alive and well.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 3147

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

In the midst of the coronavirus pandemic, the Trump administration on Thursday urged the Supreme Court to overturn the Affordable Care Act.The administration’s latest high court filing came the same day the government reported that close to half a million people who lost their health insurance amid the economic shutdown to slow the spread of COVID-19 have gotten coverage through HealthCare.gov.The administration’s legal brief makes no mention of the virus.Some 20 million Americans could lose their health coverage and protections for people with preexisting health conditions also would be put at risk if the court agrees with the administration in a case that won’t be heard before the fall.In the case before the Supreme Court, Texas and other conservative-led states argue that the ACA was essentially rendered unconstitutional after Congress passed tax legislation in 2017 that eliminated the law’s unpopular fines for not having health insurance, but left in place its requirement that virtually all Americans have coverage.After failing to repeal “Obamacare” in 2017 when Republicans fully controlled Congress, President Donald Trump has put the weight of his administration behind the legal challenge.If the health insurance requirement is invalidated, “then it necessarily follows that the rest of the ACA must also fall,” Solicitor General Noel Francisco wrote Thursday.The Trump administration’s views on what parts of the ACA might be kept or replaced if the law is overturned have shifted over time. But in legal arguments, it has always supported getting rid of “Obamacare” provisions that prohibit insurance companies from discriminating against people on account of their medical history.Nonetheless, Trump has repeatedly assured Americans that people with preexisting conditions would still be protected. Neither the White House nor congressional Republicans have specified how.The new sign-ups for health coverage come from the Centers for Medicare and Medicaid Services. The figures are partial because they don’t include sign-ups from states that run their own health insurance marketplaces. Major states like California and New York are not counted in the federal statistics.An estimated 27 million people may have lost job-based coverage due to layoffs, and it’s unclear what — if anything — they’re turning to as a fallback. People who lose employer health care are eligible for a special sign-up period for subsidized plans under the Obama-era law. Many may also qualify for Medicaid.The Trump administration has been criticized for not doing as much as states like California to publicize these readily available backups. In response, administration officials say they have updated the HealthCare.gov website to make it easier for consumers to find information on special sign-up periods.Thursday’s report from the government showed that about 487,000 people signed up with HealthCare.gov after losing their workplace coverage this year. That’s an increase of 46% from the same time period last year. 3037

INDIANAPOLIS -- A former fertility doctor has surrendered his medical license after being accused of using his own semen to inseminate patients without their consent, now those affected by his practices are pushing for change. Donald Cline gave up his medical license before the medical licensing board of Indiana on Thursday.Cline wasn’t present at the hearing, but several adults who say they’re Cline’s offspring were there to support each other through the process.READ | The children of an Indy fertility doctor who used his own sperm want the act outlawedLiz White gave birth to her son, Matt, in 1982. It wasn’t until 35 years later that she learned her doctor’s sperm was used in the artificial insemination.“I trusted him,” White said. “I trusted everything that he told me. I had no reason and could not even conceptualize that this was a possibility.For her son, Matt, the discovery has been agonizing.‘It’s consumed me,” Matt White said. “There’s a large part of my life that spends many nights thinking and wondering. He lives down the street from me. I can’t get away from it.”He and other former patients and children watched as an attorney for Cline says the retired doctor has “no intention” of re-entering the medical field.Matt White calls the surrender of Cline’s medical license a “slap on the wrist.”“I think that was a good step but it’s minor in comparison to the number of families that he has affected. We find people across the country, all the time. And these people’s lives are turned upside down,” he saidMatt White says he’s tracked down more than three dozen half-siblings with shared DNA on 23andMe, a service that uses DNA to map family trees.There is no law in Indiana that prevents a fertility doctor from using his own sperm to impregnate women without their consent, but those former patients are advocating for a change to ensure no other family has to have the same experience again. The group is pushing for a state law that makes it illegal for doctors like Cline to use their own sperm in fertility treatments without a patient’s consent.“We hope to establish that not only as an ethical issue but a criminal one,” Matt White said.Cline did not attend his hearing on Thursday and the Medical Licensing Board voted that he can never request to have his license reinstated in Indiana. 2363

INDIANAPOLIS, Ind. – A camera captured the heartwarming moment a 90-year-old woman reunited with her husband after overcoming COVID-19.Hooverwood Living in Indianapolis says Joyce spent about a month away from her love Don as she battled the coronavirus in their COVID-19 unit.“I have to cry from happiness,” said Don as he reunited with his wife.During the emotional reunion, staff helped Joyce get out of her wheelchair to give Don a long overdue hug.In the video posted by the nursing home, Joyce can be heard saying “I look so terrible,” but her husband reassures her that she “looks so beautiful.” Joyce responds with, “how can you be so cute?”The couple’s grandson, David Klaus, wrote in a Facebook post that Don is Joyce’s “true love of 67 years.”“She and her beloved husband Don have been separated this whole time, which proved heartbreaking for us to witness their resulting loneliness and loss of hope at times,” wrote Klaus.Klaus says his family lives down the street from the nursing home and they ride their bikes most days to speak to Joyce and Don through the windows to keep them company. 1113