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White House press secretary Sarah Sanders slammed Hillary Clinton's new memoir Tuesday, accusing the former secretary of state with running "one of the most negative campaigns in history," adding that the book is a "sad way" for her to continue attacking President Donald Trump."I think it is sad that after Hillary Clinton ran one of the most negative campaigns in history and lost, and the last chapter of her public life is going to be now defined by propping up book sales with false and reckless attacks," she said during her daily briefing. "And I think that is sad way for her to continue this."Sanders, who seemed prepared for the question, said she was unaware whether Trump is going to read the book, entitled "What Happened.""I would think he is pretty well versed on what happened, and I think it is pretty clear to all of America," she said.Clinton's post-2016 campaign memoir was officially released Tuesday. It's a nearly 500-page reflection on the 2016 campaign that heads plenty of blame on outside factors but finds Clinton facing up to many off the mistakes she made before her stunning loss to Trump.Clinton signed books at a New York City Barnes & Noble on Tuesday afternoon, where supporters camped out overnight to be the first in line to meet the former Democratic nominee.In the memoir, Clinton slams Trump as an ill-prepared president and suggests that his election was illegitimate, saying she lost primarily because of Russian intervention in the 2016 election on behalf of Trump and fired FBI Director James Comey's announcement days before the election that the bureau was re-opening (and then closing) their investigation into Clinton's emails.But Clinton also takes her fair share of blame, coping to her inability to match Trump's anger and her failure to understand what the American electorate wanted. She also calls her decision to use a private email server campaign defining, but blames the media for blowing the story out of proportion."I think it's fair to say that I didn't realize how quickly the ground was shifting under all our feet," she writes. "I was running a traditional presidential campaign with carefully thought-out policies and painstakingly built coalitions, while Trump was running a reality TV show that expertly and relentlessly stoked Americans' anger and resentment." 2345

With health care costs on the rise, a growing number of Americans are throwing out the old way of seeing a doctor and turning to a membership model. A monthly or annual fee gets you direct access to a doctor, no insurance needed.Twenty years into her career, bogged down by red tape, too many patients and long days, Dr. Shaila Pai-Verma was looking for a better way to practice medicine.“I was just miserable,” she said. “The joy of medicine is gone and then you're just doing paperwork.”So, a year ago, she started a new primary care practice with a new business model.“The patient basically has a direct contract with the physician and they take insurance companies out of it,” she explained.Patients pay a flat monthly or yearly fee. In exchange, they receive a broad range of primary care services and quick, unlimited access to their doctor via in-person office visits, phone or by text.“Everyone wants everything immediate. And so, I think this is it. It's good, especially in this time for people to have access,” said Pai-Verma.Membership fees range from about 5 to 0 per month on average – about 0 less than having typical health insurance. Most patients still carry catastrophic coverage for emergency treatments and hospitalizations, but that insurance is usually only -100 a month, so patients still save money.For Bonnie Micheli and her family, it was all about access.“With this, it's just so much easier to just know that I can contact directly here within a few hours for any issues that I'm having,” said Micheli.In late September, a bipartisan proposal was introduced in Congress that would expand access to the model and allow people to use their health savings account for direct primary care (DPC).Because they see fewer patients than traditional practices, some critics say the model could worsen the shortage of primary care physicians, a trend that’s already driven by burnout.But according to a recent study, DPC members had 25% lower hospital admissions and the cost of emergency room claims was reduced by 54%.“There's less ER visits and you know, better health care for the patient,” said Pai-Verma.While there is still debate, for a growing number of Americans, like Micheli, it’s becoming a simplified health insurance alternative.“Honestly, it’s just so nice to know what I'm paying every month or if you do the annual, what you're getting for that money, and you know exactly who to go to when you have a problem.” 2467

WEST SENECA, N.Y. —From the running water to the statues and perfectly trimmed plants, Pam and Dave Hubert's backyard in West Seneca, New York, is a place the couple can sit back and relax.But last fall was anything but relaxing for the family."I had a lump in the right side of my throat that I've had many times from having sinus infections," explained Dave. "I went to the doctor and he said something's not right this time.""His words were: you have cancer," Dave said. "You're going to go through hell, but you're going to survive."Dave was diagnosed with throat cancer at the end of August. He had 35 radiation treatments and two rounds of chemo. After months of grueling recovery, he was cancer-free, and could finally sleep and eat again.Pam was by his side throughout it all."We said there's got to be other purpose here than us being sick," Dave said. "I didn't get sick to get sick. I got sick cause someone else needs us to help them get through this."As fall approached this year, Dave had one question for his wife."He said to me, 'do you plan on decorating the yard for the fall?'" Pam recalled. "And I said 'yeah I usually do.' And he said, 'I was hoping you would say that, because last year I just couldn't, I was too tired, too weak I just didn't enjoy it the way I wanted to enjoy it.'""I tried to be out here doing some work," Dave said. "But I was just so tired. I was just so exhausted from the treatment."Pam decided this year needed to be different, so she put out a call on Facebook to people she knew, and to strangers."If there's somebody you know battling cancer or survived cancer, or may have lost a battle to cancer, I would like to honor them," Pam said. "And if you have a pumpkin I'm happy to put it in my yard and we'll display it."That's when the pumpkins started showing up. They have names of patients who have fought cancer, and also messages to those who were lost to the disease. 1929

When Tim Frye retired from his job as a project manager in 2017, he envisioned traveling the U.S. in an RV with his fiancée. But not long after spending about a quarter of a million dollars on a luxurious, 39-foot 2014 Forest River Berkshire motorhome, his fiancée left him — and he was left with a very expensive vehicle in his yard.“I could sell it, but I’d lose a ton of money because I had just bought it and wouldn’t be able to get the full value back,” Frye said. “Or I could rent it out.”Frye, who lives in Flower Mound, Texas, opted for the latter, posting his motorhome on online RV rental marketplace Outdoorsy, which is essentially Airbnb for motorhomes and campervans. Owners coordinate with renters on a meetup spot and handle the vehicle maintenance and cleaning. Outdoorsy handles the booking requests, transactions and RV insurance.In his first two years renting his RV on the site, business already was good for Frye. But everything changed when coronavirus hit. And for Frye’s RV business, things changed for the better.“This is the king of side hustles for me,” Frye said.The coronavirus impact on RV rentingPortland-based Adam Clayton has two 2017 Winnebago Travato campervans available for rent on Outdoorsy. Before the pandemic, Clayton said both RVs were booked solid through October 2020. Given his location about 15 minutes from Portland International Airport, Clayton frequently catered to international visitors looking to road trip through the Pacific Northwest.But when the pandemic hit, all his out-of-towners immediately cancelled their reservations. With Oregon state parks closed, business was slow in March and April. But as parks reopened, Clayton saw a quick uptick in locals. Eager travelers converted from cruising to camping. They ignored international travel in favor of national parks. And that meant a sudden uptick in people looking to rent or buy RVs.It was a similar situation for Andrew Carson, who rents his RVs out of his home in Fredericksburg, Virginia.“As of early March, we had 11 reservations set up throughout the summer, yet once COVID hit, every single one canceled,” he said. “We panicked, thinking, ‘what have we gotten ourselves into?’ But once things started opening back up — around April — RVing became the hottest thing in America.”By May, he had already been booked for 120 days straight. Frye was especially lucky; he never even saw an initial dip.“People came to me because they had trips planned, but suddenly their hotels had canceled on them,” he said. “People were scrambling to find places to stay.”Frye says his bookings are up an average of 70% year-over-year. But while business is up, most RV owners agree that the type of business has massively shifted. It’s a lot of first-timers (Carson estimates about 70% of rentals this year were to first-timers), which means owners have to spend more time with renters during the initial walkthrough, and there’s higher odds of renters running into issues simply for being novices.With the usual RV-friendly spots off the list as music festivals remain canceled and many ski resorts are still closed, people are also shifting where they’re headed.“I’ve already booked two customers who are driving my RV to their parents’ houses,” Clayton said. “Rather than stay inside the parents’ house, they’re going to park in the driveway.”How much money can you make renting out an RV?RV rental marketplace RVshare estimates that owners of Class A RVs (those are the largest, most luxurious of the motorized RVs), can earn as much as ,000 per year through their site.There are also some costs involved, however:Commission fees: Online RV rental marketplaces typically charge a commission. Outdoorsy takes a 20% cut of the total reservation cost. RVshare is less transparent about fees since the commission rate correlates with revenue, but owners say it’s typically a 25% cut.Monthly payments, insurance and maintenance: If you’re financing your RV, you’ll have to make monthly loan payments, which likely also means interest and fees. Plus, factor in expenses like maintenance and RV insurance.Storage: RV storage can also be pricey if you don’t have your own garage to store it in. Expect to pay at least ,500 a year — and even more if you’re in a high-cost-of-living area or have an especially large vehicle.But still, it’s a lucrative side hustle. Frye said after accounting for all those costs, he still pockets ,000 annually on his single RV.Virginia-based Carson owns two Class C motorhomes (those are often referred to as mini-motorhomes). Between insurance and monthly payments on his two RVs, he pays about ,400 a month in RV-business related expenses — which easily pay for themselves. Carson said that this summer he grossed ,500 per month between both RVs.Considerations when getting into an RV-renting side hustleHigher-end vehicles typically work out to be better long-termFrye’s RV is a Class A motorhome, which is essentially a full house on wheels that’s big enough to stand up straight inside, has a full kitchen and bathroom, and sleeps multiple people.While they’re more expensive, Frye said he believes Class A motorhomes more easily retain their value versus a cheaper RV, like a campervan. He also said that since the RV is more expensive for renters, it attracts clientele who are more likely to take care of it.It’s good income, but it’s not passive incomeOwning an RV requires regular work. There’s annual maintenance, but there’s also work to be done with every rental. Between doing laundry, power washing the outside and wiping down the inside, Carson estimates he spends three to six hours cleaning the RV after every trip. He also spends about 30 minutes on the pre-rental walkthrough (and sometimes more if the renter is a newbie). Plus, he spends hours each week scheduling and communicating with renters online.Accept that they won’t be returned in perfect conditionWith strangers driving your RV, it’s bound to get dinged up, especially with more first-time RV renters. Even though RV experts will usually tell you they’re not as hard to drive as you might think, they’re still much tougher to navigate than your average small sedan.“You can’t be too emotionally attached,” Frye said.While sites like Outdoorsy do provide insurance, Frye still acknowledged that putting your RV up for rent is not for you if you’ll be flustered by every little scratch.“If they’re seriously damaged, Outdoorsy insurance pays for it,” Clayton said. “But if it’s something smaller — like a faucet breaks — I just fix it. It’s a business, so treat it like a business. If something gets scratched, don’t freak out.”Location mattersFrye attributes his Texas location as a big factor in maintaining consistent bookings year round, as opposed to owners up north who experience a dip in bookings once it gets colder.And specific locations within that area make a difference too. Carson lives just off of Interstate 95, the main highway along the East Coast, which means easy access for road trippers headed up to Maine or down to Florida.Getting into the RV business nowWith road trips surging in popularity, it’s a lucrative time to adopt RV renting as a side hustle. But if you don’t yet actually have an RV to rent out, good luck.Just before COVID-19 was part of the lexicon, Clayton had run the numbers and was committed to buying a third RV to build his small business sometime in 2020. But just as the rental business is booming under COVID-19, so is the business of owning one.“Every Class B RV — even if it does go on Craigslist — is now exorbitantly priced,” he said. “My only regret prior to all this is that I hadn’t purchased four RVs.”Frye is in a similar boat as Clayton; three years after buying his RV with a fiancée who has since left him, his only regret about buying one RV is not buying more RVs.“The RV market is so hot right now,” he said. “I’m trying to find another one to buy, but suddenly since the coronavirus hit, everyone wants to buy an RV.”And Frye has one more personal reason to add more RVs to his collection: He’s since met someone new — and she and her daughter both love RV camping with him.More From NerdWalletRenting Hotels for Big Events Is Dirt-Cheap … for NowAsk a Points Nerd: How Can I Celebrate the Holidays Without Travel?4 Benefits You Need From Your Travel Credit Card in 2021Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 8451

When scrolling through your Instagram feed, there's a good chance you've seen photos of friends posing in front of giant works of art on the sides of buildings. These colorful murals are a great way for an artist to make a name for themselves. But beyond that, the murals can be great for a neighborhood and its businesses.Tracy Weil is midway through his latest project: a 125-foot long mural in Denver’s River North Arts District.Murals like Weil’s do more for a neighborhood than add a splash of color to an otherwise dull brick wall."It can really kind of give an identity to a neighborhood, which I think is pretty fantastic,” says Weil. “If there’s not a lot of people there, not a lot of restaurants, what the murals do is they start to draw people. And they start to draw business."That’s exactly why the events center and nightclub behind the freshly-painted wall hires artists like Weil."I think it’s a great way to bring attention, to not just your specific business maybe, but to a neighborhood, to a region," says Andrew Feinstein, owner of EXDO Events Center and Tracks nightclub. “Regardless of what murals cost, it’s absolutely the right investment."And it’s an investment that's paying off, particularly when it comes to presence on social media. John Beldock, owner of a local motorsport store and body shop, says their mural of Evel Knievel has seen its share of Instagram tags."Branding-wise, it really adds to what people think about us," says Beldock.“It’s exiting to be a part of it; it makes a great selfie or Facebook profile pic or Instagram post,” says Weil. “And people really get into it.” 1631

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