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It's said a penny saved is a penny earned. But a penny exchanged with a 10% return rate is a financially friendly investment.From the Texas panhandle to southeast Wisconsin, banks across the country are launching coin buyback programs amid a nationwide shortage."We just wanted to be prepared to take care of all of our customers and not leave them short," Erik Schrader of Amarillo National Bank said.Schrader says anyone can bring in up to ,000 in coins to Amarillo National locations and swap them for 10% more in cash. So far, he says the trade-off is paying off for both people and banks."I've never seen a coin shortage. We have had lows throughout time, but never anything we thought was a problem," he said. "But luckily, we were able to get out ahead of this."Some customers aren't even looking to cash in. Neil Buchanan of Community State Bank in Wisconsin says many customers are simply exchanging the coins for bills and not taking the 5% incentive."We've had a lot of people come in and say, "No, no. I don't want the bonus. I just heard that there was a problem. I have this coin. I want to be part of the solution.,'" he said.Economic experts say the coin shortage is linked to the pandemic."There was a decline in supply of coins by the mints and there was an increase in demand for the coins as we all got back to getting the groceries," said Kishore Kulkarni, Ph.D., a professor of economics at MSU Denver.Kulkarni said countries around the world have suffered from coin shortages before, and while these types of coin buyback programs do help the economy, more transactions in the future will require less exact change."We are in a cashless society already, and we will be more so moving forward," Kulkarni said.Moving forward financially, Amarillo National Bank will continue exchanging coins for cash through Sept. 1. Community State Bank has received so many coins that it ended its buyback program. 1931

Investigators spoke to hundreds of people in the search for clues about Mollie Tibbetts' disappearance, but weeks after she vanished it was security camera footage that finally gave them a first glimpse of the man accused of killing her.The 20-year-old student went missing on July 18 in Brooklyn, Iowa, after going for a jog. Authorities charged Cristhian Bahena Rivera, 24, with first-degree murder charges on Tuesday.Here's how investigators arrested Rivera and how they found a body believed to be that of Tibbetts.They were caught on home surveillanceHer whole family, her hometown and dozens of investigators joined forces looking for the University of Iowa student. They put Tibbetts' photo on yard signs, store windows and thousands of shirts around Brooklyn, a small community an hour east of Des Moines.As the weeks passed, a reward for information on her whereabouts kept growing and reached nearly 0,000. Investigators got thousands of tips, rolled out an interactive website to help jog the public's memory, and even looked into Tibbetts' data from a fitness tracker.About a week or two ago, a neighbor gave police his security cameras.They watched the footage for hours before they could spot Tibbetts, said Rick Rahn, a special agent in charge at the Iowa Division of Criminal Investigation.The footage showed her running through an area east of Brooklyn and a car moving close to her. The black Chevy Malibu drove back and forth numerous times before it just started following her, according to an affidavit.They linked the car to Rivera and "from that we were able to track his pattern in the routes in which he took," Rahn said.He didn't resist when authorities tried to detain him on Monday, Rahn said.Tibbetts ran off and suspect chased her, authorities sayAfter his arrest, Rivera told authorities he saw Tibbetts running and "pursued her in his vehicle." Later, he parked the car and started running near her."And then, at one point, he tells us that Mollie grabbed ahold of her phone and said, 'You need to leave me alone. I'm going to call the police.' And then, she took off running and he, in turn, chased her down," Rahn said during a news conference on Tuesday.Rivera says that at some point, he panicked, got mad and doesn't remember what happened next, according to the affidavit.The next thing he remembers is being at an intersection in rural Poweshiek County and driving to a cornfield, court documents say.When he noticed an earpiece from headphones on his lap, he realized he had put the woman in the trunk of his car. When he went to get her out of the trunk, he "noticed blood on the side of her head," according to the affidavit.What we know about the suspect charged with killing Mollie TibbettsA body covered in corn leaves is foundOn Tuesday, Rivera led authorities to a body hidden in a cornfield near Brooklyn, officials say.The suspect said in an interview that he put the woman's body over his shoulder and took her about 20 meters into the cornfield, court documents say.He left the body face up and covered it with corn leaves, the document states.Rivera used his phone to show investigators the route he took to the cornfield from Brooklyn, officials said.A body, dressed in Tibbetts' clothing, was recovered Tuesday but authorities have yet to confirm its identity.An autopsy to determine when and how the woman died is pending.When asked why a body was not previously found in the area, Rahn said they "just didn't have success locating her.""I'm sure you've driven around the area and it's a rural county and there are a lot of fields, woods, ditches," he said.While authorities declined to discuss what may have motivated Rivera to approach Tibbetts, Rahn said he had seen her before but was drawn to her on that particular day.The-CNN-Wire 3803

It's Halloween, a great time to be scared, right? But for many of us fears aren't fun and games. You might think it's best to stay away from the things that scare you the most. But one expert says doing the opposite may help you more.How about if you're afraid of germs?"You could touch the inside of the toilet and you can rub that on your face," says Psychologist Dr. David Shanley.It sounds gross, and if you're afraid of germs the thought is downright terrifying.But Shanley, who helps people fight their phobias, says facing your fears head on could be the key to getting over them. The first step is to asses exactly what they're fearing and what they're doing to avoid it. Then determine how much exposure to that fear a client can take. For example, a fear of dogs.  "If they take their fear head on and go to the dog park straight out then they're going to save themselves a lot of time of working up step-by-step," Shanley says.  Not everyone can go that far that fast. But Shanley says there has to be some level of exposure to make progress. Not just to fears on the outside, but on the inside.  "Part of the exposure is actually flooding them to those scariest thoughts," Dr. Shanley says.  If a person were afraid of elevators or tight spaces, overcoming the fear is about more than riding from floor to floor.  "You more want them actually thinking all the worst case scenarios so that they know that the next time they need to get into the elevator they can do it whether they are having happy thoughts or negative thoughts," Shanley says.  And when facing a fear of heights, the same principles apply.  "I would ask the person to, all right can you climb up here?" Shanley says. "And then as they are climbing up I would also be telling them, all right now look down and think about wow that's a long ways down and what if I fell?"  Dr. Shanley says these are all things you can try on your own, and repetition is key."Without it their success rate of the treatment is a lot less," Shanley says.  And don't be shy. Shanley says if you don't face your deepest, darkest fear, it could come back. Something to keep in perspective when things get a little dirty."I don't have to like it. They don't have to enjoy this process but we want it to illicit this fear," Shanley says.You can find out more about Dr. David Shanley here. 2444

It's hard to know what salaries will look like next year.Staffing firm Robert Half surveyed senior managers and found 72% of companies have maintained the same salary or slightly increased pay for new hires since the COVID-19 pandemic began.More than a third are more likely to negotiate compensation with candidates now versus a year ago.“That’s telling me that these positions that have been hard to fill, there is so many information technology security positions available, they're looking for data analysts data scientists,” said Paul McDonald, Senior Executive Director at Robert Half.Workers can also broaden their search outside their geographic area. More companies are willing to hire full-time remote workers.“It’s one thing to talk broadly about what the compensation desires are for you and your family or you,” said McDonald. “The other side is don’t go too far in that first conversation. The negotiation happens after you have an offer.”If the company won’t budge on pay, they may offer other benefits, like help paying for home internet, more paid time off, and opportunities to upskill.Robert Half says roles in IT security with the least amount of experience make just under 0,000 a year on average.The salary range can be adjusted by geography, along with advanced degrees and certifications.There are salaries for some 470 positions listed on RobertHalf.com. 1390

INDIANAPOLIS – A 10-year-old lion at the Indianapolis Zoo died Monday morning after being attacked by another lion.Zoo staff heard “unusual amount of roaring from the outdoor lion yard” and say an adult female lion, Zuri, attacking a male lion, Nyack, according to a press release.Veterinary staff said Nyack died of suffocation from injuries to the neck. Indianapolis Zoo said staff made every attempt to stop Zuri from holding Nyack by the neck but were unsuccessful. The two lions lived together for eight years. Indianapolis Zoo said they had no indication that anything like this would ever occur.The attack happened before the zoo was open to the public. "He was a magnificent male lion and left his legacy in his three cubs," Indianapolis Zoo said in a press release. "He will be missed by guests, members, volunteers and staff." 864