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NASHVILLE — With the popularity of genetic testing kits increasing, more people may begin to experience repercussions where their insurance premiums are concerned.The internet provides people with nearly anything they could possibly want day or night, but you may want to think twice before ordering a take-home genetics test from one of the many sites that offer them.Insurance premiums are determined by what sort of risk a person poses to their insurance company. This means that learning more about your heritage and the health conditions in your family history could lead to your insurance company charging you more.Jason Veirs, president and owner of insuranceexperts.com, warned that "a genetic test through a physician will become part of your medical history." Veirs says the general rule is if it's in your medical records, insurance carriers can ask to see  it. On the other hand, if you are using a consumer genetic testing kit, you will have to decide whether or not your trust that company to keep your results private.In the end, insurance companies cannot force you to take a genetics test and therefore, the choice to use one of these kits is entirely up to you. 1212

NEAR CALIENTE, Nevada — Two single-engine planes collided Thursday afternoon while trying to contain a wildfire near Caliente, Nev., according to the Federal Aviation Administration.KTNV in Las Vegas, reports the collision occurred at about 1 p.m. MT between two Air Tractor AT8T airplanes. They were deployed to help battle the Bishop Fire, burning about 17 miles from Caliente and more than two hours northeast of Las Vegas.Officials say one person was aboard each aircraft at the time of the crash, and the Bureau of Land Management later confirmed the pilots died in the collision.“We offer our sincere condolences to the families of the two pilots and to all those working with the BLM Nevada Ely District,” said BLM Nevada State Director Jon Raby.Ground and aerial resources continued to take on the Bishop Fire in Rainbow Canyon as of Thursday afternoon, with the blaze approximately 500 acres.The airplanes involved are used to support firefighters on the ground and can deliver up to 800 gallons of fire retardant and operate in areas where larger air tankers cannot, according to the BLM. 1106

MUSKEGON, Mich. - Organizing school supplies such as crayons, notebooks, and folders then packing them into backpacks is a labor of love for Muskegon sisters Payton and Madelyn Chittenden.“If you see something wrong, you should at least try to fix it,” said Payton.The sisters are working to make a difference for students this school year.“We donate school supplies to kids that… can’t afford it,” said Madelyn.In July, FOX17 introduced the sisters and their mission to collect school supplies for their classmates with families impacted by the coronavirus pandemic.They figured they would be able to pack a few dozen backpacks, but as the donations picked up so did the project’s impact.“It’s just making those kids smile and not worry about the coronavirus,” said Melissa Chittenden, mom.Melissa says monetary and supply donations have added to over ,000, which is enough to create more than 950 backpacks for kindergarten through fourth-grade students at Reeths Puffer Schools, Muskegon Public Schools, Holton Public Schools, and Fruitport Community Schools.That’s 15 to 25 kits per grade at each district’s elementary schools.“It means so much to me as a parent that this is what my kids are focusing on during a time with the corona, they’re not really worried about catching the germs, they’re worried about what can we do to make this a better place?” said Melissa.Teachers will distribute the kits to their students once classes start.Payton and Madelyn believe it could connect students during a year in which not much can be shared and teach them all a lesson of love.“It doesn’t matter if you’re helping a little or a lot, you’re still changing the world,” said Madelyn.“It will help them learn and they will know that they’re special and someone cares about them,” said Payton.Marisa Oberle from WXMI in Grand Rapids, Michigan first reported this story. 1876

Money might be tight this holiday with many working less hours or losing their jobs due to the pandemic, but it's not too late to budget and feel good about the season.November through December is a time when more cash is flowing and cards are swiping at stores.“The average that people spend across the country is about ,000 per holiday season,” said Ryan Freitag, a financial adviser with Edward Jones.Freitag said budgeting is key to preparing for the expected, such as gift buying around the holidays, and unexpected, like financial losses during a pandemic.He said people should simplify expenses and look at spending on a monthly basis to understand how much is needed for necessities, savings and the extras.The same rule of thumb applies to holiday spending. Freitag said people should plan how much can be allotted for gifts and set spending limits before hitting the holiday deals.“Whether it's 0 or ,000, take that money out of a checking or a savings account and even use a prepaid debit card," Freitag said. "That will allow them to keep their spending in check.”Experts typically recommend putting 10% of monthly income toward "fun spending." That number might change during the holidays.To manage the increase, Freitag recommends starting a holiday club savings account as soon as January to start budgeting for this time of year early. He said even putting in a month can be beneficial.“That way by the time holiday season comes you have a block of money that you’ve already designated toward your goal," Freitag said. "I feel like that takes the emotion, and overwhelming part of holiday spending out of it and the money is available.”Caitlin Carmody, an outpatient psycotherapist with Spectrum Behavioral Health LLC, said they see more people struggle with anxiety and depression around this time of year. She said some might feel an extra emotional burden from not being able to buy as many gifts for loved ones.But there are other options for showing loved ones they care.“There’s so many different ways we can show people love and affection. It doesn’t have to cost money," Carmody said.Instead of buying presents, Carmody suggested making gifts with family. She said the act of creating can help combat anxiety and depression, and even build self esteem in kids.Carmody said quality time is important. The gift of time can be just as meaningful, even if it's done virtually.“You’re growing new memories. You’re making new traditions," Carmody said. "So if we can re-frame it as not something that we’re losing, but maybe as a time of growth, or an opportunity to make new traditions and new memories.”For some, it's the gifts that can't be bought that mean the most.“We don’t need to put a dollar figure to a phone call," Freitag said. "There are a lot of people right now that are alone and isolated. I truly see that as more important than the money that somebody spends right now.”If people are feeling anxious or depressed, Carmody suggests practicing mindfulness, breathing exercises and keeping a routine. She said it's also important to stay present in the moment and not worry about things that are out of one's control.For those struggling with mental health, Carmody said they should reach out to a mental health professional for help.This story was originally published by Kelsey Dickeson at WGBA. 3349

MLB and the MLBPA jointly announced on Friday that 31 players tested positive for COVID-19 this week amid the first round of tests as players resume training ahead of this year’s shortened season.Teams began working out this week at ballparks across the US as the coronavirus-shortened season is slated to get underway in three weeks. As part of MLB’s plan to resume, players and support staff will be frequently tested for the virus.But MLB is unique insofar that other major team sports in the US are planning on resuming play in hub cities instead of traveling from city to city. Both the MLS and NBA will play out of Orlando, Florida, while the NHL will resume in the near future at two yet-to-be determined hubs..All told, MLB said it conducted 3,185 samples, with 1.2% coming back positive. In addition to 31 players testing positive, seven staff members also had a positive COVID-19 result.Nineteen of MLB’s 30 teams had at least one player or staff member test positive for the virus 999