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NORFOLK, Neb. -- Something as simple as going for a walk with family, Troy Bowers doesn’t take for granted, considering he hasn’t been able to do it for years.Bowers broke his ankle multiple times and went through a series of surgeries that caused endless pain.“I was to the point where I was potentially going to lose the lower part of my leg and my foot just because it hurt so bad,” Bowers said.But then a local doctor gave him hope. Dr. Demetrio Aguila III is the founder, CEO and president of Healing Hands of Nebraska.Healing Hands of Nebraska is a medical and surgical practice that focuses primarily on the surgical management of chronic pain. Dr. Aguila says a program called the M25 Program is the heart and soul of their practice – inspired by his time serving as a combat flight surgeon in Afghanistan.“The M25 program is a mechanism by which patients and doctors and communities work together to invest in each other to get the care that they need without causing a financial burden,” Dr. Aguila said.If somebody can’t afford a surgery, the M25 Program gives them the opportunity to pay for their procedure through community service hours. Healing Hands of Nebraska collaborates with multiple organizations where patients can volunteer.“You volunteer your time, and then they call me up, ‘she’s finished all the hours you asked for. Ok, send her over’. We’ll do her surgery… no charge… zero charge.”The M25 Program is what saved the Bowers' family from going into debilitating medical debt.“We were basically bankrupt, and luckily, when we needed it the most, I guess God was looking out for us and Dr. Aguila was willing to help,” Bowers said.Bowers chose the Orphan Grain Train for his community service – a Christian volunteer network that ships donated food, clothing, and medical items to people in need throughout the U.S. and world.“Through I believe like 450 community hours, I was able to have three procedures by Dr. Aguila to finish up my nerve repair. And I don’t even know what that would have cost… thousands, I mean a lot,” Bowers said.But due to his pain, he wasn’t able to do too many hours. So, he asked his church, Grace Lutheran, for help.“We had a group of kids of about 6-12 every week pitching in for about an hour a week, and those service hours really added up,” Grace Lutheran Pastor Chris Asbury said.Every Wednesday, Pastor Asbury and a group of middle schoolers – called Happy Helpers – donated their time to help Bowers.“Them young people helped me walk, and I got to save my leg because of them and other volunteers," Bowers said. "They made that difference.”Every time they volunteered, they prayed that they could be a blessing to the Bowers' family.“As Christ loved us, we love the people around us," Pastor Asbury said. "And we don’t just talk about it, but we find everyday ways to do that. It doesn’t have to be big. Most of the time it’s never newsworthy, but this certainly is.”You may be wondering, how is this all even possible? Well, it’s more simple than you think.“We offer significantly discounted fees for our services here compared to what you would find at other practices because we don’t involve the insurance companies,” Dr. Aguila said.According to Dr. Aguila, patients know exactly what they’re getting into financially when they enter the office. Without insurance involved, there’s no administrative costs for the patient. Dr. Aguila says they can pay everything up front, split up payments over time, or go through the M25 Program.“Last year, two thirds of all individual bankruptcies in the United States were tied to medical debt,” Dr. Aguila said.And of those two thirds of people, Dr. Aguila says three fourths had medical insurance.“We’re gonna work outside the system in order to build a better system that’s fair to patients, that’s transparent,” Dr. Aguila said.When people use the M25 program, Dr. Aguila doesn’t get paid for his professional fees. However, the office says they don’t look at it as a financial hit. Rather, they look at it as a way to give back to the community, calling it medical mission work in their own backyard.“Who loses? Nobody. Who wins? Everyone,” Dr. Aguila said.Now, Bowers can go on with his life, spending time with his family.“Riding horses with my daughter, fishing with my son, we’re doing great.”Dr. Aguila says doctors have reached out from all over the world trying to figure out how they can implement their own program. He says he’d like to see M25 change the conversation about healthcare, restore the doctor-patient relationship, and spur a resurgence of volunteerism in the U.S.“It is my fervent hope, that we will rekindle, reignite in the soul of the American people a desire to volunteer and help their neighbors,” Dr. Aguila said. 4762

New payment options are popping up in your online shopping cart.There's been an explosion of retailers, including Amazon and Target, adding buy now, pay later options.“In general, I'm not a huge fan of these services really, because I'm worried about any sort of consumer debt,” said Ted Rossman, a financial expert at Bankrate. “And if you don't really have the money to pay for it today, but you think you'll have it in six weeks, that's a slippery slope.”Rossman says point-of-sale apps have seen triple digit growth over the holiday season.They typically require a payment up front and a few more payments spread out over six weeks or so. If you pay on time, usually there's no interest or fees.Rossman says research has found that almost half of buy now, pay later customers have paid late at some point, mainly because they were disorganized.Stores like them for several reasons, including because they tend to get people to spend more.“They also like the potential loyalty and big data play that they can actually learn a lot about their customers, and they work very closely with a lot of these services,” said Rossman.Most buy now, pay later lenders typically do a soft credit check. They won't typically help you build credit, but they could hurt your credit if you pay late because they will report that.“I just think that's a little bit short sighted, because if you use a credit card and are paying full, you avoid interest, but you get better promotions, you get rewards, you get better buyer protections,” said Rossman.Rossman says these options are appealing even to people who have credit, because of their predictability.He thinks we will see more of these with retailers not being able to push store credit cards as much with fewer in person shoppers. 1778

NEW YORK (AP) — The Duke and Duchess of Sussex have a new home: Netflix. Six months after detangling their work lives from the British royal family, Prince Harry and his wife, Meghan, have signed a multiyear deal with the streaming service. According to a statement Wednesday, they plan to produce nature series, documentaries, and children's programming through a new production company. The two recently relocated to Santa Barbara, California, with baby Archie. They left the UK in search of financial independence. At Netflix, they plan to focus on stories and issues that elevate diverse voices and other issues close to their hearts. Several projects are already in development. 691

NORTH PARK, Calif. (KGTV) - Peking Restaurant, a staple of the North Park food scene for 88 years, will close in March of 2019.The owners made the announcement on their Facebook page earlier this month, saying it was time to retire."I'm going on 75 years old," co-owner Ken Fong told 10News. "It's time to enjoy my last few years."The Facebook post says "This decision did not come lightly to us as Pekin is such a special place in our hearts and we love what we do and all of you. A majority of our incredible staff here have been with us 25-40 years... and are ready for the next chapter of retirement and new endeavors."Fong says it's not just the owners who want to retire, but cooks and servers as well.Since word got out about the closure, the restaurant has been flooded with people who want one more meal at a place that became the go-to spot for Chinese food in the area."It's overwhelming," says Fong. "It's driving us nuts. Everyone is overworked."Fond adds that he doesn't mind the extra work, but he didn't expect this kind of reaction.In the wake of the extra crowds, the restaurant put up a sign warning customers that wait times may take longer than usual. They say they don't want to add capacity, so they can give customers the same level of service they've always had.People in the area say it's sad to see such a great place go away."This is something I've known my whole life. I'm going to miss it," says Barbara Sims. She used to come with her parents as a child. Now she brings her grandkids to the restaurant when they visit.Fong says he appreciates all the well wishes he's received in the past few weeks."They all want to come back and have one last memory," he says. "So, thank you."The restaurant will stay open through the Chinese New Year in February and then close in March.Fong says several people and real estate groups have looked into buying it, but he doesn't know if the new owners will keep the location as a Chinese food restaurant or open something new. 2001

NEW YORK, N.Y. – During his first sit-down interview since officially becoming the Democratic presidential nominee, Joe Biden addressed a controversial comment he made in the spring regarding the Black community.The former vice president came under fire in May when he told “Breakfast Club” radio host Charlamagne tha God that African American voters aren’t Black if they support President Donald Trump over him in November."Well, I’ll tell you what, if you have a problem figuring out whether you're for me or Trump, then you ain't black," Biden quipped at the end of the interview."It don't have nothing to do with Trump, it has to do with the fact, I want something for my community," Charlamagne responded.“Take a look at my record. I extended the Voting Rights Act 25 years' I have a record that is second to none. The NAACP has endorsed me every time I've run. I mean, come on, take a look at the record," Biden said back.Sunday, ABC’s Robin Roberts asked Biden and his running mate, Kamala Harris, about the comments made in May.“I shouldn’t have said that,” Biden said. “But I was trying to make the point that this is a man who spent his entire career denigrating African Americans.”Biden went on to argue that he would be a much better ally to the Black community than Trump.“The truth is there’s a fundamental difference between Donald Trump and me on the issue of race across the board,” Biden said. “I’m not going to try and divide people. It’s all about bringing people together.”Biden has relied heavily on the African American vote to secure his party’s nomination, which he officially accepted during last week’s virtual convention.“I wouldn't be here without the African American community,” Biden added when speaking about his support within the Black community in his home state of Delaware. 1819

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