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According to a study published by UCLA's Anderson School of Management, the COVID-19 pandemic has put the U.S. economy into a "depression" and projects that the country's GDP won't return to pre-pandemic levels until early 2023.The study was published by David Shulman of UCLA's Anderson Forecast — a research firm at the school that publishes a quarterly outlook on the U.S. economy."Make no mistake, the public health crisis of the pandemic morphed into a depression-like crisis in the economy," Schulman wrote. "To call this crisis a recession is a misnomer."The report says that despite a drastic response from both the Trump Administration and the Federal Resevre, it will take years for both employment levels and GDP to return to were it was before COVID-19 reached America."Simply put, despite the Paycheck Protection Program too many small businesses will fail and millions of jobs in restaurants and personal service firms will disappear in the short-run," the report reads. "We believe that even with the availability of a vaccine it will take time for consumers to return to normal. (It took more than two years after 9/11 for air travel to return to its prior peak.) With businesses taking on a huge amount of debt, repayment of that debt will take a priority over new capital spending. And do not forget that state and local budgets suffered a revenue collapse that even with federal assistance it will take years to recover from."The U.S. lost 22 million non-farming jobs in the early months of the pandemic, the report says. The report does offer at least one bright spot: the housing market. The report mentions that despite high unemployment rates, "consumer demand remains strong" and that markets will return to pre-pandemic levels fairly soon.Finally, the report projects that the pandemic will accelerate some trends that were already in motion, particularly the growth of online retail, telecommuting and rising tensions between the U.S. and China. 1980

A woman claims she suffered a small cut on her finger from the nail salon she's been going to for more than a decade. Two weeks later, she found herself in the hospital having surgery due to a major infection, and there's a chance she may have to have her finger amputated. The image of Maria Luisa Gerardo's finger is extremely graphic — a wound that goes all the way down to the bone. "I cover my face when they come in here and take (the bandage) off because I don't wanna see it," said Gerardo. "I don't. I'm scared."Gerardo made her regular visit to TJ Nails, a place she's been going to for more than a decade, where they call her "Mama." But two weeks ago she claims she received a small cut on her finger. "A little open wound, here on the side of my finger," said Gerardo.A day later, her finger started swelling. Gerardo went to Urgent Care, where they put her on antibiotics.She went back to the nail salon, and she says they offered her 0."He told me, 'It's nothing. Just clean your hand and buy your medicine, and it will come off," said Gerardo. But it only got worse, and Gerardo had to go into surgery."Pretty excruciating to see," said Gerardo's son Victor. "I don't like to see my mom in pain."Victor was by his mom's side during the surgery and days following. "He cleaned as much as he could, to try and salvage the finger," said Victor. "He told me, he kept cutting and cutting the tissue around her finger until it bled, because that was good skin."Gerardo says a man named Bill was the technician who cut her nails that day. Employees at TJ Nails claim he no longer works at the salon and recently moved out of state.Bill said in a phone interview that he never cut Gerardo's nails and he knew her very well and did nothing wrong. Meantime, Gerardo is looking for answers and waiting to see if she will be able to keep her finger. "This is the only thing I ever liked doing to myself, my nails," said Gerardo. "But now, with this that happened to my hand, I never want to do this in my life."The family reported TJ Nails to the state. They are planning on working with a lawyer to take legal action against the salon.  2212

About 1 in 3 people 65 and older in the U.S. enroll in Medicare Advantage, the private insurance alternative to traditional Medicare. It’s not hard to see why: Medicare Advantage plans often cover stuff that Medicare doesn’t, and most people don’t pay extra for it.But Medicare Advantage can be more expensive if you get sick because copays and other costs can be higher, says Katy Votava, president of Goodcare.com, a health care consultant for financial advisors and consumers.Unhappy customers who want to switch back to traditional Medicare may find they no longer qualify for the supplemental policies to help pay their medical bills, or that they would face prohibitively high premiums.“These are complicated products,” says Votava, author of “Making the Most of Medicare.” “They’re like nothing else, no other insurance that people encounter anywhere until they get to Medicare.”Medicare’s alphabet soupThe first hurdle many people face when deciding about Medicare coverage is simply understanding how the various parts fit together. Traditional Medicare, also known as original Medicare, has two parts:Part A covers hospitalization and is typically premium-free.Part B covers outpatient care, including doctor visits, and has a standard monthly premium of 4.60 for 2020, although higher-income people pay more.You can choose any doctor who accepts Medicare, and most do. The government pays health care providers directly.Part D is prescription drug coverage, which is provided by private insurers. The drugs that are covered and the amounts you pay out of pocket vary widely. Monthly premiums vary as well but average .74 in 2020.Traditional Medicare has deductibles, copays and coinsurance that can quickly add up. To cover these gaps, private insurers also offer supplemental plans known as Medigap. The average monthly Medigap premium in 2019 was 2, according to health insurance marketplace eHealth.com, but it can be lower or much higher depending on the plan, the insurer and the area where you live. The plans are known by letters A through N. As with traditional Medicare, you can choose any doctor who accepts Medicare.If you apply for a Medigap policy when you’re first eligible for Medicare, the insurer has to accept you and can’t charge more for preexisting conditions.How Medicare Advantage is differentMedicare Part C is Medicare Advantage. Rather than add to the other parts of Medicare, however, Medicare Advantage plans replace them. Insurers that offer Medicare Advantage are required to provide all the benefits of Part A and Part B, and most plans include Part D drug coverage as well. In addition, the plans typically cover certain expenses that Medicare doesn’t, such as hearing, vision and dental care.Most Medicare Advantage enrollees in 2020 paid no additional premiums for their coverage, other than their regular Part B premiums, according to the Kaiser Family Foundation, a health research group.How Medicare Advantage manages costsMedicare Advantage plans are similar to employer-provided group health insurance: To be covered, you typically must choose health care providers in the insurance company’s network. The network may be relatively narrow if the plan is a health maintenance organization (HMO) or somewhat broader if it’s a preferred provider organization (PPO). You may need preapproval for certain types of care or referrals to see specialists. If you go out of network, your costs may not be covered or may not apply to your out-of-pocket limits. Even if your doctor is in-network now, that could change and you might not get much notice.Also, Medicare Advantage plans are typically regional. If you move out of the area or travel to other states, you may not be covered.The devil’s in the details, and Medicare Advantage plans have many, many details. The average Medicare beneficiary has access to 28 Medicare Advantage options, with varying networks, coverage, deductibles, copays and co-insurance, according to the Kaiser Family Foundation. In general, though, Medicare Advantage costs less upfront and potentially more overall if you need lots of medical care. Many Medigap plans have higher upfront costs but cover most if not all of your expenses when you need care.If you want to switch from one Medicare Advantage plan to another, you can do so during annual enrollment periods. But if you want to switch from Medicare Advantage to traditional Medicare, you often won’t have guaranteed access to a Medigap policy. That means the insurer may charge you more, exclude preexisting conditions for a time or not issue you a policy at all.That doesn’t mean Medicare Advantage plans are a poor choice — just a complicated one, says Tatiana Fassieux, a training specialist with California Health Advocates, a Medicare advocacy nonprofit. She recommends people contact their state health insurance assistance program, which can provide free, unbiased one-on-one counseling. Links to these programs can be found by visiting the SHIP National Technical Assistance Center.“People should not rely exclusively on television commercials,” Fassieux says. “That’s when people get stuck and sometimes make the wrong decision.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Fake Reviews and Saving ‘Too Much’Is Moving Now Your Best Financial Move?When Debt Relief Does More Harm Than GoodLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5523

A white van drove onto a busy Toronto sidewalk, and struck dozens of pedestrians, killing 10 and wounding 15, Toronto Police officials said on Monday. Later in the day, police said that Alek Minassian allegedly targeted the crowd of pedestrians. Police were called to the area of Yonge Street at Finch Avenue around 1:30 p.m. local time after the van fled from the scene. Police have since shutdown the area, and blocked off several streets. Authorities later caught up to the van and its driver.Canadian news agency the CBC reported that the van's driver is in custody.Video from the incident showed several ambulances taking away victims on stretchers from the scene of the incident. Stephen Powell, district chief for Toronto Fire, said that targeted pedestrians for up to one mile. The CBC has reported that part of Toronto's subway service has been shutdown. The area is in the North York neighborhood of Toronto, which is several miles north of Downtown. The area is densely populated with apartments and businesses.  1096

Across the country, confederate statues and symbols are going down. Just this week, Mississippi voted to change its flag which featured the old confederate flag. On Wednesday night, a statue of Stonewall Jackson was taken down in Richmond, VA. NO CHANGES INSIDE CAPITOLWhile changes are no doubt underway around the country, the 11 statues representing Confederate soldiers and officials are on display as part of the National Statuary Hall collection in the United States Capitol. "They committed treason against the United States," House Speaker Nancy Pelosi said in a recent press conference. Pelosi wrote a letter asking for the Confederate men to be removed, however she doesn't have the power to do so unilaterally. Senator Mitch McConnell has said he won't pass a new law to change that"What I do think is clearly a bridge too far - this nonsense that we need to airbrush the Capitol, I mean eight former presidents owned slaves," McConnell told reporters recently. STATUES IN CONGRESS ARE CONTROLLED BY STATESCurrently, each state gets to send two statues to display inside the United States Capitol. Often times, the state legislature decides which statue is represented, which can get political The full list is available here, however these are the 11 confederate men represented in the collection: Jefferson Davis, President of Confederate States of America, Mississippi James Zachariah George, Reconstruction leader and white supremacist, Mississippi Wade Hampton, One of the largest slaveholders in the Southeast, South Carolina John E. Kenna, Confederate soldier, West Virginia Robert E. Lee, Commander of the Confederate States Army, Virginia Uriah Milton Rose, Confederacy supporter, Arkansas . Edmund Kirby Smith, Confederate soldier and slave holder, Florida. Alexander Hamilton Stephens, Vice president of the Confederate States, Georgia Zebulon Baird Vance, Confederate military member, North Carolina Joseph Wheeler, Commander in the Confederate Army of Tennessee, Alabama Edward Douglass White, Confederate solider, Louisiana 2060