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It's that time of year again, not only for gift-getting but also for gift-giving. And this year, some holiday tipping protocol is changing due to the pandemic.An appropriate holiday tip amount will vary based on who is receiving the tip and also how much you can afford to give, and this year that might have changed for many compared to last.Co-president of The Emily Post Institute and etiquette expert, Lizzie Post, suggests considering the following:"Who’s on your list, who is really important to you, what is your budget, and how can you use your words if you can’t do a gift or tip," she said.For many of us, delivery drivers or people who work curbside pick-up at grocery stores likely played a bigger role in 2020 than ever before. If you're looking for a way to say thank you, consider a contact-less gift in the range."I’ve heard of people handing over a few bucks or sometimes even taping it in the trunk, then you pop the trunk and the money’s there," said Industry Analyst at Creditcards.com Ted Rossman, who's gathered data on holiday tipping trends and practices.Especially now, metro Detroit servers like Patrick Foody say an extra gesture really goes a long way. He works at Basement Burger Bar in Detroit, which doesn't have outdoor dining and due to an epidemic health order from MDHHS, cannot offer dine-in service until Dec. 20.Foody says he often doesn't get any tip at all when working take-out, and after tipping out cooks and dishwashers, he sometimes loses money on orders.“We take care of you all year long. Around the holidays especially this year when we’re not working dine-in, just to throw a little bit more care our way if you can," he said.You can also buy gift cards to restaurants in lieu of giving extra cash tips for the holiday; some venues like Basement Burger Car offer discounts or deals. At Basement Burger Bar, every in gift cards you spend gives you bonus bucks to spend at the restaurant, Foody says.“There are some industries, some places where they cannot accept gifts or cash, Post said. Like certain long-term care facilities or mail carriers. USPS workers cannot accept cash or gifts more than a value.In cases like that, Post suggests snacks, refreshments, or baked goods with a handwritten note. It's important to make sure there's enough to be shared with co-workers or other members of an office or branch; always leave a note and a visible list of ingredients, Post advises. And this year due to the pandemic, pre-packaged or individually wrapped items are best.“A minority of people are tipping their trash or recycling collectors, only about 40 percent of people typically do that," Rossman said.Cash tips for garbage or recycling collectors should generally be in the - range according to The Emily Post InstituteFor personal service providers like stylists, barbers, personal trainers, dog walkers, and the like, a holiday tip should be the value of one session or serviceFor regular babysitters, an appropriate holiday bonus would be equivalent to one day or night's payLive-in care providers or house cleaners should be given one week's pay as a sign of holiday appreciationPost said for those who cannot afford to give a monetary thanks this holiday season, handwritten notes that explain the difficult circumstances and offer appreciation for service go a long way.Click here for more holiday tipping protocols to remember this year.This story originally reported by Jenn Schanz on WXYZ.com. 3485

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

It's a black and white portrait photograph of John F. Kennedy. Underneath it, a handwritten message:"To Ambassador Estes -- With esteem and very warm regards, John F Kennedy."The document is believed to be the last thing President Kennedy signed in the Oval Office before he left on his fateful trip to Dallas.The photograph is now for sale at ,000, according to the Raab Collection, which is hosting the sale.The photo was signed on November 21, 1963 and was intended for Thomas Estes, the ambassador to Burkina Faso, who attended the final meeting President Kennedy held in the Oval Office.Estes recalled arriving at the White House on the morning of November 21 and playing with the President's son, John-John, while he awaited the meeting with the President.Estes entered the Oval Office and received the signed photograph. He then briefed the President on affairs in Burkina Faso.After the meeting ended, Kennedy left the Oval Office at 10:50 a.m. to helicopter over to Andrews Air Force Base.He would then fly to San Antonio, Texas.The next morning, in Dallas, he was assassinated. 1118

IOWA CITY, Iowa — A young child died due to complications from coronavirus in June, the first confirmed death of a minor in Iowa during the pandemic, the state health department belatedly announced Sunday evening.The Iowa Department of Public Health said the state medical examiner’s office concluded its case investigation Aug. 6 into the death of the child, who was under the age of 5. But the death wasn’t reported in the state’s statistics until Saturday, more than two weeks later.“The child’s death was publicly reported this weekend after ensuring the individual’s identity would remain protected and notifying the family,” the department said in a statement. “We have made every effort to protect the identity of this child, while the family grieves this devastating loss. Again, we send our sincerest condolences.”The department says the medical examiner performed a full range of testing to determine the cause of death and the child’s health history was taken into account.“Ultimately, COVID-19 was deemed the cause of death,” the statement said.The confirmation of the state’s first child death comes one day before dozens of school districts are prepared to begin the school year on Monday — a development that has many educators and parents already on edge.Iowa Gov. Kim Reynolds has ordered schools to reopen for at least 50 percent in-person instruction, despite a pandemic that has already killed 1,036 people and seen infections soar in recent days. 1475

It's one thing to imagine what life might be like, but it's a totally different thing to see it right before your eyes."If things had turned out differently," the actor in the ad says. "I don't know. Maybe I'd be married to that girl I was hanging out with freshman year. Life keeps racing forward for everyone except me.The actor in this new ad is what Caleb Sorohan would have looked like, if he hadn't been killed eight years ago.His mother, Mandi Sorohan said, "It's almost like Caleb came back to tell people, look this is what I should be doing. But I can't because I was texting and driving."Sorohan and her family worked with forensic artists and visual effects teams to recreate what her son would look like today. All for a chilling yet powerful ad by AT&T showing the future distracted driving can take away."You don't think of all the things that could have happened," Sorohan says. "Never got to happen. So to me I think that's the biggest part of this ad."Caleb had just finished his first semester of college when he read a text message while driving, veered into oncoming traffic, and hit an SUV head on. He died instantly."It happened and he made a terrible mistake," Sorohan says. "And we're just trying to make sure that other people don't make that same mistake because not only could you kill somebody else you could kill yourself."The ad is a part of AT&T's "It Can Wait" campaign, which has inspired nearly 25 million pledges to not drive distracted. Sorohan hopes this will add to that number, and show people this isn't just a teen issue, but an issue for everyone."We'll never get to talk to Caleb again," Caleb's brother Griffin shares in a longer version of the ad. "We'll never get to do regular day things with Caleb again."Caleb's sister also took part; the family is hoping that by doing so, people can see the lives impacted by distracted driving go far beyond their own."They should want to come home to the people that they love," Sorohan says. "Every night and they should know how important they are to the people who love them. So don't pick up your phone in the car, just put it down and forget about it until you get to where you're going. Nothing at all that you can do on your phone is worth not coming home to those people."A message from a future that could have been. That no distraction is worth losing one.To learn more about the "It Can Wait" campaign and take the pledge, click here. 2453

来源：资阳报