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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 the teams on the field at Super Bowl LV are yet to be determined, the halftime performance has been decided: The Weeknd. 134

With businesses around the country reopening, customers may notice an additional expense on their bill: a COVID-19 surcharge. This new surcharge is popping up around the country and is an extra fee that businesses can add to a bill to help alleviate the financial burden placed upon them during the virus outbreak. It is meant to help offset losses due to businesses having to temporarily close, or help businesses keep up with the new requirements to reopen under health guidelines.The practice of adding an additional surcharge is legal for businesses although it may feel sneaky to customers without prior notification."Businesses would have to make decisions on their own," Kern County Administrative Officer Ryan Alsop told KERO-TV. "Simply having something on the bill at the end of the night that addresses something like a COVID-19 surcharge, possibly in addition to having signage in the restaurant, maybe something on the menu upfront."Adding a surcharge to the bill isn't the only option to help businesses during this time of reopening. Businesses could choose to raise prices overall. This has already been seen in some restaurants where expenses such as food supplies and third-party delivery fees, like DoorDash and GrubHub, have gone up considerably.Alsop points out that as a business, communicating with your customers might be the best way to maintain trust and keep your customers coming back during this difficult time."If I'm a business owner, customers are my livelihood," he said. "Those I think are points where you can engage your customers and talk to them about your business decisions."This story originally reported by Veronica Morley on turnto23.com. 1689

What if there was a way to make money, while saving money?An app called Grand claims to do just that, motivating people to save by entering them into a sweepstakes.How does it work?You'll need to link up your bank account to the app.Then, you’ll designate how much money you want to set aside each week.Each dollar gives you an entry into a sweepstakes; you get extra entries if you refer friends or reach certain milestones, like paying off debt.The prize money varies. You could win a prize, or you could win up to ,000. If you wait until October, you could win ,000!But even if you don't win, you are still making some money off your savings.Grand guarantees users a 1% return on their savings.You will, however, need to pay /month to keep your account.So if you do all the math, that means you'll need to keep about ,100 in your account to make it count.If you feel hesitant about linking up your bank account to an app, just know that the app is FDIC insured. 984

With nearly twice the number of unemployed Americans compared to this time last year, the competition for seasonal work is more stiff.But some of America’s largest companies are looking to make significant additions to their workforce heading into a unique and challenging holiday season. And for some companies, they’re planning on making some or all of their new hires permanent employees.If you’re in need of a job, here are a few companies seeking help:1-800 Flowers Inc.1-800 Flowers Inc. announced earlier this month plans on hiring 10,000 seasonal workers to assist with its delivery service. The majority of these roles are being offered throughout Illinois, Ohio and Oregon, with some work-from-home positions available, the company said.7-ElevenConvenience store chain 7-Eleven announced Monday it plans on hiring 20,000 new permanent associates throughout the US. The chain has bolstered its staff as it has expanded its delivery service amid the pandemic.AmazonOnline retailer Amazon announced plans on hiring 100,000 associates in the US and Canada to bolster its staff for the holidays. The positions are permanent and are both part-time and full-time. The positions have a starting wage of an hour, and Amazon is offering a ,000 “signing bonus” in some locales.FedExThe delivery service said last week it plans on hiring 70,000 workers between now and the end of the year. FedEx said that many of these positions will be used to bolster its ground service.UPSDelivery service UPS said that it plans to hire 100,000 seasonal workers this year as the company sees an influx of deliveries between October and January. The positions will be both part-time and full-time.UPS says that in the past, one-third of its seasonal workforce is hired permanently.This story will be updated as companies announce seasonal hiring plans. 1850