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President Donald Trump signed two pieces of legislation into law on Wednesday that aim to inform consumers about drug prices.Both measures, the Know the Lowest Price Act and the Patient Right to Know Drug Prices Act, aim to end the drug industry's so-called gag orders of pharmacists, which prevent them from discussing cheaper price options with consumers. These price options include discussing whether a medication may be less expensive if using insurance or paying out-of-pocket.At Wednesday's signing, the President called the gag clauses "unjust" and said the legislation would lower drug prices that are "way out of whack" and "way too high.""It's called the law of supply and demand. They didn't want to have that. But now we have that and it's going to lower drug prices," Trump added.Both the President and Health and Human Services Secretary Alex Azar said at the signing that they expect further regulatory action on reducing drug prices in the coming months.Some states and municipalities have pharmacy gag order bans, but the Patient Right to Know Drug Prices Act, sponsored by Maine Republican Sen. Susan Collins, addresses banning the practice of gag orders on a federal level. The Know the Lowest Price Act, sponsored by Michigan Democratic Sen. Debbie Stabenow, prohibits Medicare drug plans from putting a gag clause on a pharmacy in their contracts.Collins and Stabenow were present at Wednesday's signing, as well as Tennessee Republican Sen. Lamar Alexander, Louisiana Republican Sen. Bill Cassidy, Deputy Attorney General Rod Rosenstein and National Economic Council Director Larry Kudlow.Some pharmaceutical industry experts say that although eliminating the gag clause is step toward consumer transparency, it doesn't address the issue of lowering actual drug costs, making it unclear how much of a tangible effect the legislation will have.The President has frequently expressed his frustration over rising drug prices, and in May, he laid?out his vision for increasing competition, reducing regulations and changing the incentives for all players in the pharmaceutical industry.The administration released a 44-page blueprint of the plan, entitled American Patients First, aiming to increase competition and improve the negotiation of drug prices, as well as reduce consumers' out-of-pocket spending on medicines and create incentives to lower list prices.Ending the pharmacy gag orders was included the plan, as well as speeding up the approval of over-the-counter medications and asking the Food and Drug Administration to require manufacturers to include prices in their TV ads.A gag order on a pharmacy is frequently brought on by clauses in contracts with pharmaceutical benefit managers, which manage most of our nation's prescription drug programs. The benefit managers negotiate prices with drug companies on behalf of insurance companies and other payers and then share those prices to retail pharmacies. They also negotiate rebates from manufacturers and discounts from drugstores. If pharmacists violate the gag rule, they risk losing their contract with the pharmaceutical benefit manager.Daniel Nam, executive director of federal programs at America's Health Insurance Plans, told Kaiser Health News that gag orders on pharmacies are becoming less frequent because these clauses are "not something they are incorporating into their contracts."Mark Merritt, president and CEO of a lobbying group for pharmaceutical benefit managers, the Pharmaceutical Care Management Association, told the publication that these clauses are "very much an outlier." 3635

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

Restaurant servers dodged a bullet this week with a provision tucked into the .3 trillion federal spending bill.Late last year, the Department of Labor proposed a rule?that would have authorized restaurants to share tips between servers and cooks. That would allow employers to keep some tip money for themselves, as long as each worker made at least the full federal minimum wage of .25 an hour.Workers' rights groups argued the rule change would lower the pay of those who work at restaurants, hotels and bars. Opponents of the rule held splashy public protests. The Labor Department received more than 218,000 mostly negative comments on the proposal.It appeared to have worked. The spending bill, which President Donald Trump signed into law on Friday, includes a section that makes it clear that employers may not pocket any portion of tips that diners leave for workers."We beat them," said Saru Jayaraman, president of the nonprofit Restaurant Opportunities Center. "I think they realized how outrageous what they were proposing sounded to the public, and basically they backed down."Representatives for the restaurant industry, however, are also pleased.The National Restaurant Association said it never asked for employers to be allowed to keep tips in the first place. Angelo Amador, senior VP at the trade group, argued that most employers wouldn't skim tips even if they were allowed to."A decision by a restaurant to retain some or all of the customer tips rather than distributing them to the hourly staff would be unpopular with employees and guests alike, and it could severely damage the public's perception of the restaurant," Amador wrote in his comment on the proposed rule.The left-leaning Economic Policy Institute disagreed, saying that many employers take a portion of tips even in places where it's forbidden, and would do so even more often if it were legal. In a recent report, it estimated that servers would lose some .8 billion in tips annually to their employers.The language in the spending bill also effectively does another big thing: It allows employers to pool tips and distribute them among staff, as long as the employer also pays the full minimum wage. Many owners have long sought to boost the pay of kitchen workers and bussers by forcing servers to share their tips."We want to ensure that servers, bussers, dishwashers, cooks, and others who work as a team to provide great customer service in the industry have access to share in tips left by customers, as this legislation clearly allows," said Amador.That's fine with labor advocates at the National Employment Law Project, who say that pooling tips is a good way to create wage equity, as long workers are paid the full minimum wage and tips aren't shared with managers or any other supervisors. "We enthusiastically support this compromise," said Judy Conti, the group's director of federal affairs.Going forward, however, there may be less agreement between workers' rights advocates and the National Restaurant Association.Currently, the federal minimum wage for workers who get tips is .13 an hour. Seven states have done away with the two tiers and made the minimum for tipped workers the same as it is for employees who earn regular wages.Many cities and states have already raised their overall minimum wages, as the federal level has remained unchanged since 2009. The question of eliminating lower tipped minimum wages will be on the ballot this year in Washington, D.C., and Michigan and New York is considering the proposal.All of these efforts have generally come over the objections of the restaurant industry, which argues that the economy and nature of the jobs have changed."The minimum wage, with all due respect, is a 1938 income support system for a workforce that worked in manufacturing and agriculture," said Cicely Simpson, executive vice president for public affairs at the National Restaurant Association, at a panel discussion?last month. "In our workforce, we have people who drive an Uber during the day and work in restaurants at night. They have no desire to spend their entire career in an entire industry."Simpson later softened her stance and said that the National Restaurant Association would like to see policies such as the minimum wage and overtime thresholds be "updated," not trashed entirely. 4411

President Trump confirmed to reported in the White House Tuesday that he had called Russian President Vladimir Putin to congratulate him on his re-election."I had a call with President Putin and congratulated him on the victory, his electoral victory," Trump said. "The call had to do, also, with the fact that we will probably get together in the not too distant future so that we can ... discuss the arms race."Trump also made comments discussing increased military spending, and said he would also discuss issues relating to Ukraine and North Korea if he were to meet with Putin.Putin was re-elected as Russia's president Sunday, an election he won with 76 percent of the vote — an election that watchdogs said was far from fair but cleaner than in years past.Watch Trump's full comments in the video below. 823

RALEIGH, N.C. – The Associated Press has declared President Donald Trump the winner in North Carolina, though Joe Biden is still projected to win the presidency. The AP concluded Friday that there were not enough outstanding ballots remaining to be counted in the state that would allow Joe Biden to overtake Trump’s lead of 73,697 votes.Friday was the deadline for counties in North Carolina to certify their results. Following updates from most counties in the state, Trump leads Biden by 1.3 percentage points.Trump campaigned aggressively in North Carolina with in-person rallies at the height of the coronavirus pandemic, including gatherings in Fayetteville, Winston-Salem and Greenville in the weeks before the election.He was scheduled to hold the Republican National Convention in the state but pulled out after a fight with the state’s Democratic governor over coronavirus restrictions. It was moved to Jacksonville, Florida, before being largely canceled all together.Trump’s win in the Tar Heel State puts the president at 232 electoral votes and Joe Biden remains at 290 votes.Biden is still projected to win the presidential election, since he has surpassed the 270-vote threshold needed to claim victory.The only state the AP has yet to call is Georgia, which is conducting a recount because neither Biden or Trump leads by more than .5 percentage points. Results show that Biden leads Trump in the Peach State by more than 14,100 votes. 1460