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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

Is the Oprah Winfrey halo starting to fade from Weight Watchers?Weight Watchers shares fell nearly 15 percent Tuesday after the company reported a decline in subscribers between the first and second quarters.But the market may be overreacting to a calendar problem.For the past few years, Weight Watchers has reported a similar dip in subscribers during that period. The rolls grow again as the year progresses, which makes sense.People are often gung-ho about exercising, eating better and losing weight right after the winter holidays. But New Year's resolutions can be hard to maintain in the spring and summer.Even though some subscribers drop out in the first few months of the year, total subscribers are actually way up since Winfrey joined. The base grew 28 percent from a year ago to 4.5 million.In the third quarter of 2015, the company had fewer than 2.6 million subscribers.Despite the big drop in the stock Tuesday, the company's latest profits actually topped forecasts, and it raised its outlook.Shares in the company are up nearly 80 percent this year and have skyrocketed more than 1,000 percent since Winfrey first invested about million.Weight Watchers has done an extraordinary job over the past few years of making the company's programs more exciting for a broader base of people, particularly since Mindy Grossman — formerly of HSN — took over as CEO last year.The new Weight Watchers Freestyle program lets you eat a wider variety of food. Weight Watchers has also partnered with meditation company Headspace to provide exclusive content on the Weight Watchers app to its subscribers.It's all about wellness, not necessarily how many pounds you've lost.Grossman said during an earnings call with analysts Monday evening that beginning next January, no artificial ingredients will appear in any Weight Watchers-branded products. And she quoted Winfrey, who said at a Weight Watchers event in February that "healthy is the new skinny."In addition to Winfrey, who is also a board member and the company's third largest investor with a 5 percent stake worth about 0 million, Weight Watchers has brought on actor Kevin Smith, music star DJ Khaled and celebrity chef Eric Greenspan as "ambassadors" for the company.So there is no issues with Oprah's halo. Weight Watchers still looks pretty healthy. 2337

It's not too hard to spot massive housing projects being built around San Diego County right now.But they may not be enough to provide little relief to the rising rents and home prices around the region.A recent report from the San Diego Housing Commission said the city would need to build on average as many as 22,000 housing units per year for the next decade. But in 2017, only 10,000 units were authorized countywide."It's not so much that there is resistance to it, it's just the fact that it's hard to do," said Jeff Stevens, chair of the Mira Mesa Community Planning Group. "If you have to tear something down in order to build something else, it takes time and money."Some of the city's larger projects are in Mira Mesa - where Casa Mira View will have about 2,000 apartments when complete.And to the west at Hansen's Aggregates, a quarry that runs through Carroll Canyon, Shea and Lennar are planning to build what's called 3 Roots. The complex would have 1,800 units - including 186 single-family homes, 981 condos, and 633 apartments (180 of which will be affordable). The complex is about to go through environmental review. Still, residents are already expressing concerns over impacts like traffic."I want people to have affordable housing, that's very important. And also we want the contractors, subcontractors to have jobs, and growth is always important. But they need to think it through first before they do it," said John Svelan, a longtime Mira Mesa resident. ,Stevens said his board has reacted positively to 3 Roots, which would extend Carroll Canyon road. Another complex is being proposed over at Vulcan Materials for about 4,500 homes, but that's further away. The city of San Diego recently approved a series of development incentives, including density bonusses for micro-units near transit areas, that it hopes spurs more building. Lynn Reaser, chief economist at Point Loma Nazarene University, said it may take 15,000 new units per year just to stabilize the market. Meanwhile, Alan Gin, economist at the University of San Diego, noted that the region added 27,000 new jobs in the last year, increasing the demand for housing.    2220

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

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