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KANSAS CITY, Mo. -- This time of year, it's easy to overspend on gifts for friends and family, but sometimes it's the gift of a handwritten card that can be the best one of all.Annie Taylor visited Hallmark, the world's top greeting card maker, to learn more about the art of this century-old gift.Amy Goodnow is among those who know how special cards can be. Every holiday season, she remembers her dad by pulling out the cards she once wrote to him.“We were a big card sending family,” said Goodnow. “I had it instilled in me from a very young age to write thank you notes for everything.”Now that she has a daughter of her own, every Christmas they've made it a tradition to send greeting cards to friends and family.They’re not alone. About 1.2 billion cards are sent every holiday season."Greeting cards date back hundreds of years," said Samantha Bradbeer, the keeper of the vault at Hallmark, where cards from every decade are kept. "It was popularized under Queen Victoria during her reign in the 1830s."One of Hallmark’s senior writers, Kat Stano, says sincerity is key to crafting a good holiday card and remembering that everyone’s Christmas is different. "You want it to be honest,” said Stano. “You want to think about people’s current life situations and what they are going through."Geoff Greenleaf, one of Hallmark’s most famous artists, tries to encompass the classic American Christmas with each card he paints. "I grew up in Massachusetts,” said Greenleaf. “I just love the winter and find it’s a beautiful time of year."His paintings begin with intricate sketches."The way you can draw people in with a road or going home, there's a lot of emotion around that," Greenleaf said. Greenleaf’s art has been so well received, it became the inspiration behind Hallmark’s Christmas movie, “Evergreen.”If you’re looking for a gift that creates a lasting memory, Goodnow suggests giving a handwritten card. It might be the best way to show someone you care. 1981

KANSAS CITY, Mo. — For Steve and Lisa Tharp, family has four legs.Quigley, their 4-year-old miniature horse, was known for his huge, playful personality. He often took his antics to an elementary school in Bethany, Missouri, where he donned a Rudolph costume to visit the kids at Christmas.The mischievous miniature loved running through the pasture with his four-legged family. "He'll play these little games with me. After I'm done, he'll come up and kiss me on the cheek, every time," Steve Tharp said.On regular days, the Tharps have a routine. Once the horses are fed, Lisa sits on the ground to pet them and hand out treats."The last two nights, she's sitting out there and all these ponies, they'd all get around. There was one empty spot," Steve said.The spot belongs to Quigley. 799

If you recently waited in a crowded doctor’s office or you’ve called to make an appointment and were told the next slot available is in several weeks or months, you’ve already experienced the effects of America’s doctor shortage.It's become more common for doctors, like New Jersey urologist Dr. Thomas Mueller, to practice with a packed patient schedule."The amount of patients we see is borderline insane," Mueller says.“I'll be the first one to say I don’t think it’s the best thing in the world," he says. "The things that I do to combat it is I just invest a lot of time beforehand.”Mueller and the team of physicians at Delaware Valley Urology each see upward of 50-60 patients a day.And that’s still not enough. "With the baby boomers becoming, you know, in their 70s, there are a lot of people to be seen," the doctor says. "The overall structure of medicine, at least as far as training is concerned, they’ve never really increased the enrollment in medical schools.”Unless significant steps are taken, the Association of American Medical Colleges predicts the shortage is only going to get worse.“I think I am at my max (amount of patients)," Mueller says. "I don’t think I can do a whole lot more."To help with the issue, legislators are proposing several bills that would raise grant money for more medical residency slots, and to make it easier for foreign doctors to practice in the U.S.In addition, medical schools have increased scholarships. Some have even created specific residency slots for those willing to practice in rural areas.“There are folks who think that there is a shortage," says Dr. Bob Motley. "I think we have as much of a problem with the maldistribution.”Motley runs Thomas Jefferson University's Physician Shortage Area Program. “We have about 50% of all physicians in Pennsylvania that are actually clustered in three counties," he says. "But 75% of Pennsylvanians actually live outside those areas.”Motley’s program has graduated roughly 400 doctors, and almost 80 percent are now practicing in rural communities hit the hardest by this doctor shortage."There's a lot to be learned in health care and we definitely have not figured it out," Mueller says. "It’s not a broken system by any stretch of the imagination but it’s things that are ever changing. And I think everyone is striving to make it better.”In addition to seeing 50 to 60 patients a day, Mueller also trains residents to handle the patient load as it is now."It's not for the faint of heart," he says. "But at the same time we do it because we love it.” 2571

It’s April 15: tax day. By midnight, Americans have to file their taxes or apply for an extension. The Internal Revenue Service requires anyone who owes the government money in their taxes to pay by midnight, even if they file for an extension. With that rule in mind, a lead tax research analyst at Kansas City-based H&R Block said it’s easier to complete taxes today instead of pushing it back another six months. "If you're going to have to go to the trouble to actually figure out what you owe, you might as well file your return, get it over with," said Nathan Rigney, a research analyst. "And you may discover in fact you get a refund." He added most Americans are seeing a smaller tax return, or owe the government for the first time, but they received more take-home pay during the year. To avoid having to pay next year, Rigney suggested looking at your withholding. It's the amount of money your employer keeps from your paycheck to pay the government on your behalf. You can fill out a W4 to change your withholding. Depending on your changes, come this time next year, you may be getting a check instead of writing one. "[If you don't, the amount you owe] might even be a little bit worse just because of the way the withholding tables were implemented last year for only half of the year. This year, it will be for the full year," Rigney said. The stories of people receiving smaller refunds than past years is part of the reason some Americans haven't filed their taxes yet and will be rushing to tax preparers Monday."A lot of people come in, especially this year with the new tax law, with a little bit of anxiety, not sure how they're going to be impacted," Rigney said. "Being able to explain to people how they'll be impacted, answer their questions and put them at ease is what we do." Because you can file your taxes online, you have until midnight to submit the necessary documents to the IRS. — 1933

Lawmakers have agreed to ban the sale of tobacco products to anyone under the age of 21 and repeal three health care taxes designed to help pay for the Affordable Care Act as part of the sweeping year-end spending agreement, according to multiple people involved in the talks.The restriction on tobacco sales has long been a push by a somewhat odd compilation of members, ranging from Senate Majority Leader Mitch McConnell a Kentucky Republican, and Republican Sens. Mitt Romney of Utah and Todd Young of Indiana, and some of the chamber's top Democrats, including Sens. Richard Durbin of Illinois, Tim Kaine of Virginia and Brian Schatz of Hawaii.Those lawmakers have been looking for a means to get the prohibition across the finish line, and now they've found one by attaching it to a must-pass series of bills to avoid a government shutdown.The final version of the bill is expected to be released later on Monday, and the increased age restriction for tobacco purchases is one of several provisions outside the spending measures themselves that will be attached to the broader .4 trillion spending agreement and likely become federal law.The medical device tax, health insurance tax and "Cadillac" tax on employer plans -- all of which have faced bipartisan opposition on Capitol Hill and have been targeted by health care industry lobbyists for years -- would also be repealed in the agreement, the people said. Their opponents on Capitol Hill have been looking for a popular bill that they can be attached to, and this spending package is the last train leaving the station in 2019.Negotiators have also agreed to extend the Export-Import Bank for an additional seven years and provide financing to shore up miner pensions that are at risk of running out of money, the people said.The spending bill also includes million for gun research at the Centers for Disease Control and PRevention and the National Institutes of Health, which has long been a Democratic push. It maintains the 2009

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