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It has been 22 days since someone won the .5 billion Mega Million jackpot, and lottery officials are still wondering who the winner is.The winning numbers -- 5, 28, 62, 65 and 70, with a Mega Ball of 5 -- were announced October 23, but the winner remains a mystery.The winning ticket was sold at a KC Mart convenience store in Simpsonville, South Carolina. It was the largest US jackpot won by a single ticket and the nation's second-largest jackpot ever."They still have over 100 days to come forward," Holli Armstrong, a South Carolina Education Lottery spokeswoman, told CNN on Wednesday.That's because the winner has 180 days from the draw date to claim the prize, she said. In doing so, the new billionaire could remain anonymous."The winner has an option on the claim form to check 'yes' or 'no' for publicity," Armstrong said. "If the winner declines publicity, we respect their wishes and do not release their name."Though surprised that no one has shown yet up to claim the money, Armstrong said people often take their time to come forward."We don't speculate why they haven't come forward. The winner should know how they will handle the money accordingly, so is not uncommon they take their time to claim it," she said.And this will be a lot of money to handle. The winner can pick between a one-time cash option of 8 million, before taxes, or the full .5 billion, before taxes, paid in annuities over 29 years."We encourage the winner, whoever they are, to sign the back of their ticket, put it in a safe place and speak to someone they trust for guidance before claiming the money," Armstrong said.It's very likely the person who won will come forward, she said. But if not, the money will go to a great cause."The funds are returned to the states that sell Mega Millions tickets," Armstrong said. "In South Carolina, the unclaimed prize money goes into an unclaimed prize fund that supports education."Billions of dollars in lottery prizes each year go unclaimed, lottery expert Brett Jacobson said, but the big winners almost always collect their money. 2084

It sounds outdated, but Cyber Monday is still a thing.The day of online sales was invented by retailers in the early days of the internet.It made sense because people had poky dial-up connections at home and faster ones at work. Plus everyone's feet were tired from all that schlepping through the mall all weekend.Now of course we all shop a lot online and on apps, whenever we want. And there's not really a difference between online stores and physical ones. Even Amazon, which effectively invented online shopping, has storefronts. 548

Is what some would call "living in sin" also living illegally? It is in Michigan, thanks to an old law.Some want to do away with the law that bans unmarried couples from living under the same roof.State Sen. Steve Bieda is leading the way to get ride of the antiquated law."It is actually one of the silliest laws we have on the books."The law was passed in 1931 to stop what it calls "gross lewdness." Unmarried, unrelated people of the opposite genders living together could face up to one year in prison and a ,000 fine.While it's hardly enforced, there is another reason to get it off the books."Because it's still statutory law, in certain tax situations, they have to consider that in doing their taxes."There have been unsuccessful attempts in the past to get rid of the law."It's an easy fix. There's a repealer statute in the senate committee. I'm hoping to get it out in the near future," Bieda added.Some say the law needs to go, but Michigan lawmakers should be focused on more important things.Mississippi is the only other state with a similar law, but lawmakers there are trying to do away with their law too. 1139

It looked down over Celina, Tennessee like a watchful eye, and for decades, Cumberland River Hospital provided a sense of security for this struggling rural county.But now, the hospital sits empty and dark; its hallways filled with silence. The death of this county’s only hospital has thrust this place into darkness, and dozens more like it across the country are potentially about to suffer the same fate.“We are seeing a huge divide in healthcare among Americans,” explained Johnny Presley, the owner of this small rural hospital.Hospitals across the country are struggling now more than ever, as patients are still avoiding elective surgeries because of COVID-19. Those are the bread and butter of most hospital's bottom line.In Celina, Tennessee, a town of about 1,400 people, the hospital also served as the county’s biggest employer. Presley spent months fighting with Medicare for reimbursement payments until he was finally forced to close the emergency room.He’s poured million of his own money into the hospital in an attempt to save its life.“When people can’t live in the rural communities they grew up in without access to healthcare, it’s almost like you’re in a prison,” he said.The cruel irony of a hospital closing in the middle of a pandemic is not lost on anyone who lives in this or any other rural community in America. At this hospital alone, they were able to stabilize or save more than a dozen COVID-19 patients over the past few months. Patients that now will be forced to drive more than an hour for care to the next closest emergency room.“So, many people are going to die. They’re gonna die because they don’t get the emergency care they need,” said Stephen Headrick, who lives in Celina and has relied on this emergency room countless times over the years.Since 2005, a staggering 174 rural hospitals have shut down nationwide. Fifteen of those closures happened this year alone, leaving a vacuum of care in their absence. Texas and Tennessee lead the nation in hospital closures.By the end of this year, hospitals across the country are expected to lose more than 0 billion, a staggering statistic that ripples far beyond the walls of any emergency room.When Cumberland River closed, nearly 100 doctors, nurses and staff were let go. By some estimates, 2020 may end up claiming the lives of nearly 200 more hospitals.“To keep our hospitals open during this pandemic, the government has to intervene,” Presley explained.With federal aid, Presley could reopen the hospital tomorrow, but so far, his pleas to politicians have gone unanswered.“I think it’s just a travesty that this country is going through. This country is so polarized that the most basic human needs of food and healthcare are being overlooked,” he said.Rural lifelines are on life support as American lives hang in the balance. 2841

It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326