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It's said a penny saved is a penny earned. But a penny exchanged with a 10% return rate is a financially friendly investment.From the Texas panhandle to southeast Wisconsin, banks across the country are launching coin buyback programs amid a nationwide shortage."We just wanted to be prepared to take care of all of our customers and not leave them short," Erik Schrader of Amarillo National Bank said.Schrader says anyone can bring in up to ,000 in coins to Amarillo National locations and swap them for 10% more in cash. So far, he says the trade-off is paying off for both people and banks."I've never seen a coin shortage. We have had lows throughout time, but never anything we thought was a problem," he said. "But luckily, we were able to get out ahead of this."Some customers aren't even looking to cash in. Neil Buchanan of Community State Bank in Wisconsin says many customers are simply exchanging the coins for bills and not taking the 5% incentive."We've had a lot of people come in and say, "No, no. I don't want the bonus. I just heard that there was a problem. I have this coin. I want to be part of the solution.,'" he said.Economic experts say the coin shortage is linked to the pandemic."There was a decline in supply of coins by the mints and there was an increase in demand for the coins as we all got back to getting the groceries," said Kishore Kulkarni, Ph.D., a professor of economics at MSU Denver.Kulkarni said countries around the world have suffered from coin shortages before, and while these types of coin buyback programs do help the economy, more transactions in the future will require less exact change."We are in a cashless society already, and we will be more so moving forward," Kulkarni said.Moving forward financially, Amarillo National Bank will continue exchanging coins for cash through Sept. 1. Community State Bank has received so many coins that it ended its buyback program. 1931

It’s not always what you teach, but rather how you teach.And at the University of California, Irvine, lecturer Thomas Eppel, Ph.D. is helping educate others for the digitally driven world.“I spend more time, or at least as much time, teaching online as I do in a traditional face-to-face format,” he said.Eppel is talking about is UCI’s Digital Learning Lab at the Paul Merage School of Business, a full-on production studio designed for remote learning which was built before COVID-19 forced campuses to close.“I always say the Paul Merage School of Business was maybe the most prepared school, certainly here on campus, when the pandemic hit,” Eppel said.He believes the digital learning lab offers three distinct advantages to traditional learning: convenience, flexibility and mastery.“To be able to watch a video over and over again and until you truly master the material, I think is another huge advantage of online education,” Eppel said.It's an academic advantage students say has helped them prepare for life post pandemic.“In terms of COVID, I think it did mean we were better prepared for what was happening,” said Sarah Kutner, an MBA candidate at UCI.Kutner has taken online classes at other schools before but says the DLL is online learning at a higher level.“I think it definitely has moved our transition because we already did have some focus on how can digital technology augment our learning experience,” she said.With more colleges transitioning to remote learning, a lot of them are reaching out to leaders at UCI, looking at ways they can improve their digital learning experiences.“We’re also able to help our sister schools here at UCI along with the central campus,” said Natalie Blair, UCI’s director of digital learning.She says with more schools investing in this kind of education, her staff is committed to helping others.“We’re definitely leading and if you stop learning you stop leading,” Blair said. “So, we’re always iterating and improving our methods.”Blair added that even though more students are now learning from a distance, this technology means that they’re not learning alone. 2130

INDIANAPOLIS -- It was not to be. Danica Patrick will not finish her final Indianapolis 500.Patrick hit the wall in Lap 68.She appears to be okay. 154

It’s a tough time to do your banking if you prefer going to a branch. Hours have been cut at many locations, and social distancing guidelines mean bank lobbies are limiting traffic — assuming they are open at all.For customers who absolutely need to visit branches, banks are taking steps to prevent the spread of COVID-19. Sean Potter of Minneapolis, who blogs at My Money Wizard, saw these precautions during a recent meeting at his local bank. “It was awkward because I had an appointment with the relationship manager, and we still had to maintain 6 feet of distance even though we had to review the same documents together,” he says.Potter appreciates that the branch was trying to ensure his safety, but says he’s now considering other ways to bank. “From now on, it’s online or on the phone,” he says.Here are some ways you can bank without leaving home, along with safety tips if you do need to venture out to a brick-and-mortar branch.Explore online options“A lot of banking can be done with the click of a button,” says Brian Milton, head of retail banking at Union Bank. Union and most other banks and credit unions have robust websites and apps you can use for many banking tasks.Deposit checks. With mobile check deposit, you can snap a photo of a paper check and submit it online, via app or your bank’s secure website.Pay bills. With online bill pay, you can log in to your bank’s webpage and enter the name of the recipient and their contact information. Your bank handles the rest by making an electronic funds transfer or mailing a paper check.Apply for an account. Opening a new checking or savings account can be as easy as going to a bank’s website and submitting an online application. To apply, have your driver’s license and Social Security number handy to prove your identity.Sign documents. Some institutions use digital services such as DocuSign to prepare documents, including loan and account opening paperwork. They can be securely emailed to you, and you can sign them electronically by clicking highlighted prompts.Request payment assistance. Need some leeway with loan payments? Some banks are allowing customers to request arrangements online, including delaying due dates for bills, temporarily reducing monthly payments or asking for fee waivers.Or pick up the phoneKeep your bank’s customer service number nearby. You can use it to speak to a real person about account questions or issues.For example, some banks have announced that customers can call and request to waive non-sufficient funds fees, overdraft fees and monthly service charges.But keep this in mind: If you’re faced with steep fees, it may be better to simply switch to a cheaper bank. Online-only institutions, for example, tend to have low or no monthly service fees, and some offer toll-free customer service numbers staffed 24 hours a day, seven days a week. To learn more, read our primer on online banks.Bank safely at a branchIf you still need to visit a bank branch, here are some ways to protect yourself.Get it on the calendar. “Before you visit your local branch, it’s a good idea to call ahead and schedule an appointment,” Milton says. He adds that doing so helps branches manage occupancy and social distancing requirements.Calling ahead can also help the bank make sure it has a staffer on hand who can help you with a specialized transaction or request, he says.Consider drive-up services. Some banks have drive-up lanes where customers can receive the same services offered inside a branch, such as making cash deposits and withdrawals, and getting money orders, all at a safe distance from other people. You could also withdraw cash from an on-site ATM without the need to interact with a teller.Bring your protective gear. Since you’ll be touching screens, door handles and other public surfaces, consider bringing hand sanitizer or wearing gloves. If you do need to step inside a lobby, you may also be asked to wear a mask for everyone’s protection.Accept the changes. Steve Turner, a publicist in Chesterfield, Missouri, says he visits his local branch a few times a month to make business deposits. “There are signs on the floor showing where people should stand to keep their distance,” he says. Turner has also noticed there’s less small talk with the tellers, and reasons it’s because everyone is wearing a mask. He believes these changes will remain for a while. “It was odd at first, but now it seems like a new normal,” he says.More From NerdWallet3 Ways to Skip Your Bank’s Long Phone LinesLooking for Safer Ways to Pay? Go ContactlessIs My Money Safe in a Bank During the COVID-19 Crisis?Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4731

INDIANAPOLIS, Ind. – A camera captured the heartwarming moment a 90-year-old woman reunited with her husband after overcoming COVID-19.Hooverwood Living in Indianapolis says Joyce spent about a month away from her love Don as she battled the coronavirus in their COVID-19 unit.“I have to cry from happiness,” said Don as he reunited with his wife.During the emotional reunion, staff helped Joyce get out of her wheelchair to give Don a long overdue hug.In the video posted by the nursing home, Joyce can be heard saying “I look so terrible,” but her husband reassures her that she “looks so beautiful.” Joyce responds with, “how can you be so cute?”The couple’s grandson, David Klaus, wrote in a Facebook post that Don is Joyce’s “true love of 67 years.”“She and her beloved husband Don have been separated this whole time, which proved heartbreaking for us to witness their resulting loneliness and loss of hope at times,” wrote Klaus.Klaus says his family lives down the street from the nursing home and they ride their bikes most days to speak to Joyce and Don through the windows to keep them company. 1113