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In most states, it is illegal to sell or give tobacco products to someone who is 18 years old or younger.But many are increasing the legal age to 21 years old.Cincinnati, Ohio just became the 16th city in that state to do so. The state's minimum age is 18. (There is no minimum age at which someone in Ohio may legally use tobacco products.)Minimum ages for purchasing tobacco have been set at the state level dating all the way back to the late 1800s.Increasing the legal age is an effort to reduce habitual smoking among young people.The Centers for Disease Control and Prevention says most long-term tobacco use begins when a smoker is an adolescent, and nearly 90 percent of smokers have their first cigarette by age 18. 742

In what is normally quiet Cajun country, the sound of shoveling sand rises above all else right now.“Just filling a few sandbags to make sure that we get any water intrusion through the doorways of house,” said Joe Soudelier, who was filling 28 sandbags in Morgan City, Louisiana.In this region of the state known as Acadiana, there are worries about water coming in courtesy of Hurricane Laura.There are many shrimp trawlers visible along the Louisiana coast. About an hour west of Morgan City, people in Iberia Parish, and in other nearby parishes make a living off the water. Now, though, the water that supports their livelihood is a potential threat to their lives.Storm surge along the Louisiana coast could be more than 10 feet in spots. Coupled with strong winds, they are dual concerns with Hurricane Laura.Still, many here won’t evacuate, like Shannon Zeringue, who lives in a trailer.“It’s been there for like 30 years,” she said. “Kind of sunk in the ground. So, I think I'll be okay.”There are shelters open for residents, but Zeringue worries about exposure to the coronavirus. She is counting on sandbags for protection and said she regrets the last time she evacuated.“One year we left and we spent all kind of money going and doing everything and it was like - it was just a waste of money,” Zeringue said. “We could’ve just stayed. And makes it hard for people who don't have money like that to try to evacuate.”Really, though, it is about people taking care of each other in this area where Cajun bonds are strong.“People help each other out every time there's a situation like this,” said resident Al Richard. “And they all give a helping hand to everybody."That was something witnessed first hand, as Soudelier came over to help him.“Everybody helps clean up, pick up and get back to normalcy,” Richard said, “and then we appreciate each other after it’s all over.“It is an ending they are already looking forward to with Hurricane Laura. 1967

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

INDIANAPOLIS -- An Indianapolis mother is fighting for justice for her son after he was severely injured while attending a daycare on Indy's northeast side - and she wants to know who did it. Tiffany Griffin said she got a call from Kiddie Garden Daycare on Monday saying her son had been injured by another child and she needed to come pick him up.  368

It is the silence that John Christian Phifer loves the most as he walks around the 120 acres of a nature preserve in Gallatin, Tennessee. He considers himself a caretaker of the land.But in these rolling Tennessee hills, if you look close enough, you can see that it's not just the land Phifer is caring for.There are 50 people buried throughout Taylor Hollow, all of which are natural burials. Their graves are marked by simple stones, and there are no expensive caskets. Many of the people buried here were wrapped in quilts or buried in beds of wildflowers.It’s a simpler way to say goodbye, and in recent months, this type of burial is gaining popularity."I think with COVID, one of the things everyone has done is they’ve started thinking about making a plan," Phifer said as he walked through one of the wooded paths.Phifer works for Larkspur Conservation, a nonprofit that describes itself as Tennessee's first nature preserve for natural burials. On this hallowed ground, only green burials are allowed to take place.The pandemic has led to an increase in the number of people looking at natural burial options. Natural burials are also giving families a way to grieve and mourn safely outside during the COVID-19 pandemic."I think COVID has heightened folks’ awareness of how important it is to make a plan. Families can still have a burial, families can still have a gathering, they can come together with their loved one," Phifer said.There is also a cost aspect that's driving the increased rise in natural burials. As many American families struggle financially, natural burial offers an end-of-life option that's around ,000. It’s much less than a traditional burial, which usually runs around ,000.There’s also an environmental draw to all of this. Every year, American bury about 73,000 kilometers of hardwood boards, along with 58,000 tons of steel and 1.5 million tons of concrete. Natural burials are often much safer for the environment"It’s not going to be for everyone, and that’s OK,” explained Phifer. “We’re just another tool in working through the end of life.”And while planning for the end is never easy, Phifer sees this as one place people can start. 2193