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When you enter the sunset years of life, often there is reflection.Terry Criger likes to think of her former career as a school lunch lady in Arizona.“Oh, I loved it,” said Criger. “If I could go back, I would.”However, the passing of time eventually catches up to all of us.Criger’s been in an assisted care facility in Midvale, Utah for about a year and half now.“I had very high concerns that I would be put here and left, and fortunately I haven’t been,” Criger said through tears.She says if it wasn’t for her daughter, she’d be lost.“People here will ask what insurance you have and I’ll tell them that I don’t know and they need to ask my daughter,” Criger said.Criger is not alone.“It’s crazy. People just don’t know enough,” said Michelle Malais, a certified senior advisor.Navigating the world of health insurance and available services for our aging population can be overwhelming for families.“When it comes down to it, there is always a way; you just have to explore the different options and that’s where I come in,” Malais said.Malias is part of a national organization called Assisted Living Locaters, which helps families find the best options and how to pay for it.“I’m an advocate really for them,” Malais said. “It’s really important for our seniors to age with dignity.”Her introduction to the world of senior care was personal. Her mother suffered from dementia and her father struggled to offer care for her.“I’ll never forget that conversation because that was devastating to him,” Malais said. “He thought he had planned and, unfortunately, didn’t.”Now, she has made it a mission of sorts to make sure no one else is put in that position.“It’s very important to get ahead of the game,” Malais said.In most cases, that means having tough conversations with aging loved ones as soon as possible.Criger is adjusting well to her new life, and she has some advice for those willing to just roll the dice down the road.“You need to make a plan,” Criger said. “You need to plan for retirement because you never think you’re going to be, where you’re at in 20 years.” 2092

While families prepare to sit down together this Thanksgiving, there are many people across the country who aren't as fortunate. Charities and homeless shelters that normally prepare a warm Thanksgiving meal for those in need are having to make some changes this year due to the pandemic."The importance of Thanksgiving is not these big celebrations with the bells and whistles -- of course it is incredible to be able to be there with one another -- but it's really about providing that meal for those who are experiencing homelessness. And so, we really focused on how to still be able to provide that meal during Thanksgiving to those people," says Nicole Tschetter with the Denver Rescue Mission.The Denver Rescue Mission usually has a large banquet and celebration with the Colorado Governor and other prominent members of the community coming out to bring attention to homelessness, and serve hot meals to those in need. This year, the organization is scaling down, serving meals at two smaller locations."The people that are eating there are the people that are staying at those specific locations," says Tschetter.Tschetter still expects the Denver Rescue Mission will serve several thousand meals this Thanksgiving, just in a safe, physically distant manner.Union Station Homeless Services in Los Angeles County is serving many of their Thanksgiving meals "to go.""It's both a to-go meal for the pre-prepared ones or a fix-it-yourself, kind of like a grocery box full of lunch. So, whichever is the easiest for people. We want people to be able to share meals with their friends or family in their safe bubble and this provides two opportunities for people to get food," says Union Station Homeless Services CEO Anne Miskey.Miskey says they have fewer volunteers than normal this year, but the need they're seeing is great. A need not just for food or shelter but also human kindness."How do we recognize other people’s humanity? How do we have touch points even if we can’t physically touch people or get closer than 6 feet? How do we continue to show people we care, we’re here, we continue to help and support you," says Miskey.Tschetter recalls the story of a prior guest of the Denver Rescue Mission."It makes the world of a difference to be able to sit down and have food and, you know, I don’t remember the last time I had a warm meal and to just feel loved and feel a sense of dignity and a sense of normalcy is just such a huge thing for people who are experiencing homelessness," says Tschetter.These organizations are recognizing the importance of giving back and appreciating all we have to be thankful for in the midst of a pandemic. 2663

With five months to go until the November election, a unique group of voters could play a pivotal rule in deciding the next president: felons. THE ISSUEA Florida judge recently ruled felons, who have left prison, should not be required to pay fines before they are allowed to vote. Last year, Florida's governor signed a law making it a requirement to vote again. The judge referred to it as a “pay-to-vote system."Florida's governor is appealing the ruling. The issue of what voting rights felons have varies across the country and depends on where the felon resides. Some states, like Maine, allow felons to vote while incarcerated. In the majority of states, felons are automatically allowed to vote after they leave prison. In Iowa, felons aren't allowed to vote at all. Meanwhile in Virginia, their constitution bans felons from voting, but the governor has been using his authority to allow nonviolent felons to vote if they fill out a form.IMPACT ON ELECTIONIt's estimated there are around 1 million potential Florida voters impacted by the legal ruling. Given Florida's swing state status, that is a lot of new voters potentially up for grabs. Florida has 29 electoral college votes. President Donald Trump beat Hillary Clinton by just 112,000 votes in 2016. While the ruling is being appealed, it's unclear if it will be taken up by the Supreme Court before November's election. "I think there is certainly a movement to give people second chances, to let them rejoin the electorate," Julie Ebenstein, an ACLU lawyer who helped argue the case, said. Ebenstein believes this could impact other states in encouraging legal challenges. While Democratic leaders, for the most part, have taken steps to allow more felons to vote in recent years, it is unclear if it helps their party when it comes to elections. A Vox study found felons participate in elections at low rates and traditionally do not favor one party or another in large numbers. FELONS REACT"It's about 50-50 down the line inside," said Barbara Barrick, a Virginia felon, about the political affiliation of those who have served time. Barrick is following the Florida case because she believes felons should be treated equally regardless of the state in which they live. Barrick received her voting rights back in 2018 after the governor of Virginia issued a special order. "When I voted for the first time last November, I felt so real. I put my little sticker on. I was prancing around. I actually cried," Barrick said. 2501

When the ,200 stimulus payments came out earlier this year, parents were promised an additional 0 for each child they claimed as a dependent. Many low-income families didn’t receive that money, called Economic Impact Payments, because the stimulus checks were based on tax returns.Now, the IRS is trying to fix that, and is asking parents who did not file a 2018 or 2019 tax return to still go to their website and claim a dependent by September 30. The IRS has set up a non-filers tool to help.The non-filers site is designed for those with incomes below about ,400 for couples and ,200 for individuals, and others who are otherwise not required to file a tax return. Those people typically do not file a tax return, and therefore would not have a record with the IRS of any dependent children."Given the extremely high demand for EIP assistance, we have continued to prioritize and increase resource allocations to eligible individuals, including those who may be waiting on some portion of their payment. To help with this, we are allocating additional IRS resources to ensure eligible recipients receive their full payments during this challenging time,” said IRS Commissioner Chuck Rettig.A news release on the IRS’ website also says they will be helping those who may have had part of their payments deducted because of past-due child support. The agency says people do not need to take any action, they are working to resolve those cases where past-due child support was applied. 1505

While many hair salon and gym owners across the country understood why they had to shut down during the pandemic, those closures created a financial hardship. A hardship that some are finding difficult to overcome."Economically, it's been devastating to us. We opened up our gym three years ago and sort of like a little miracle. We took over an existing gym that was probably not fitting the community. We came in there with our life savings, we opened up this beautiful gym and we were becoming very successful," said John Pena, the owner of GYM NYC in New York City.Pena says their business was shut down for nearly six months. Now, he's finally excited to reopen. Pena applied for and received money from the Paycheck Protection Program but it only did so much. "There is no income coming in from the business, obviously. The extra 0 on the unemployment has really been a big help but that’s going away. I’ve been able to pay my bills and that's it," said Pena. Pena and other gym owners in New York are hoping for more government help for small businesses to help them get back on their feet."In general, I think there is a set of overhead expenses that I’m sure owners in any industry would tell you play a huge factor. Rent, utilities, payroll, insurance etc., and those are fixed costs that you sort of wonder whether they’ll be any concessions made," said Elvira Yambot, COO of Tone House.In Tennessee, the Shelby County Commission is offering small brick and mortar businesses ,000 each as part of the Beautiful Comeback Grant. "It applies to any business that is in the personal care contact industry. So right off the bat you'd think of barber shops, beauty salons, nail salons but you also think about people who work in the massage industry, as well," said Shelby County Commissioner Mickell Lowery.Gyms also qualify, along with any other business where close physical contact with clients is required."Even when they’re allowed to open they still have to incur additional costs because now they have to open under certain stipulations. You have to have either have PPE which we all have to have now, you have to have that, that's a cost you might have to have, disposable capes and that nature, maybe plexiglass between you and a client, things of that nature depending what type of work you’re doing," said Lowery. Commissioner Lowery hopes other local governments across the country are also able to give something back to small businesses."If you're going to tell businesses to shut down, you have to give me something back so I don't starve," says Pena. For Pena, he's concerned that not helping businesses reopen could have a devastating economic impact. "The quicker we can get back on our feet, the quicker we can get back and people can start walking around and feeling confident, because not making any money, not being able to feed your family is far worse than this coronavirus," said Pena. 2929

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