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It's the end of an era: Toys "R" Us is closing all its US stores.That's sad news for the employees, kids and nostalgic adults, but could provide bargain hunters the opportunity to snag a deal.The?news of the 735 store closures means shoppers can expect discounts as the retailer liquidates. A company spokesperson said Thursday the timeline of sales has yet to be determined.But Chuck Tatelbaum, a director with Tripp Scott, a Florida law firm, expects the discounts to happen pretty quickly."I think that the sales will run for up to 60 days, and the closures will have taken place by then," he said. "The rent obligation is just so high."Depending on the timeline, the sales could be modest at first. The biggest discounts will come later."They will start discounting more and more as time goes on," said Ray Wimer, assistant professor of retail practice Syracuse. "But it's a double-edged sword: The item you might want might not be there anymore, but the better deals come later in the process."He expects the discounts to start around 20-30%, but eventually climb to 75-80% off. Any purchases made during the store closing process are final sale, according to the company.While customers haven't been flocking to the retailer recently, Wimer said the closing news could spur more foot traffic."We will likely see an outpouring from folks remembering being at Toys "R" Us. I wouldn't be surprised if they get a lot of traffic all the sudden."Customers with gift cards or store credit need to act fast. A company spokesperson said Thursday that rewards dollars, Endless Earnings and gift cards are being be honored for the next 30 days.New York Democratic Senator Chuck Schumer wants the toy company to redeem unused gift cards for cash so "they are not as worthless and unwanted as a lump of coal in a stocking," he said in a release Wednesday.If you prefer to shop online, there are some added risks now. "If it comes damaged or it's not what you want, the opportunity to return it is going to be minimal, so buying online has a much greater degree of risk at this time," said Tatelbaum. 2110

INDIANAPOLIS -- A guidance counselor at Roncalli High School says she was sad and hurt that school administrators and the archdiocese gave her the option to resign or dissolve her marriage after they learned that she was married to a woman. Shelly Fitzgerald says she was asked to meet with school president Joe Hollowell and Principal Chuck Weisenbach last Friday.At that meeting, Fitzgerald says she was shown a copy of her marriage certificate. Hollowell said someone turned it into him and that he then had to turn it into the archbishop."I was hurt, sad, I was hurt," said Fitzgerald. "I've been there 15 years. I've been a part of a community that loves each other. I was stunned. Fitzgerald says she was given four options: to resign, dissolve her marriage or, "stay kind of quiet and hope that it would, you know, stay quiet until the end of the year and keeping my job as long as possible if it stayed out of the media and then they would not renew my contract the following year. Or depending on how boisterous it became, they would have to move towards sooner termination.""I love my wife very much. I didn't have any intention to resign a job that I adore. For me to walk out was like saying I didn't want to be there anymore and that wasn't the case," said Fitzgerald. Fitzgerald says she's been quiet for the past 15 years and she wants to be honest with the people in her life that love her. "It really wasn't hiding, I'll tell you that. People knew. People I worked with knew. People I called friends and love, that wasn't secret from the school. There are tons of people that knew and loved me. It just happens to be the wrong people found out," said Fitzgerald. Watch the entire interview with Fitzgerald below: 1767

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

In her first extended television news interview since the news of her alleged 2006 affair with Donald Trump emerged, adult film actress Stormy Daniels declined to discuss whether she had evidence of the affair and said that she was threatened to stay silent about it.Risking hefty fines for violating a 0,000 hush agreement, Daniels detailed what she said was the only time she and Trump had sex -- saying she spanked Trump with a magazine and that Trump had compared her to his daughter Ivanka.She also said she was threatened in Las Vegas in 2011 after attempting to sell her story of the alleged affair. 617

In one exceptional piece of journalism, content creators led readers to understand everything about "The Wall" that President Donald's Trump has proposed for the U.S.-Mexico border.That content includes an aerial video of every foot of the border. It allows people to explore every piece of fence and "even stand at the border in virtual reality." It was made as an effort of the Arizona Republic with the USA Today Network, and it is the winner of a prestigious journalism award.Go here to see "The Wall" project"The Wall" is one of many tireless journalism efforts named a winner of the 65th Scripps Howard Awards. WATCH THE 65TH SCRIPPS HOWARD AWARDSThe winner in the Scripps Howard Awards' "Topic of the Year — Divided America" category, VICE News sent a correspondent behind the scenes with white nationalist leaders as well as counterprotesters in Charlottesville, Virginia in the days after a "Unite the Right" rally in 2017 that left three dead.VICE News' content is called "Charlottesville: Race & Terror" and includes comments from residents of Charlottesville, members of the Black Lives Matter movement and the Charlottesville Police.Go here to see "Charlottesville: Race & Terror""Harassed" by the New York Times also won a Scripps Howard Awards honor in the "Investigative Reporting" category. The piece uncovers "the secret histories of prominent men across industries who were accused of sexual harassment and misconduct that affected women ranging from actresses to factory workers to food servers." The articles in this series were a catalyst for the #MeToo movement.See "Harassed" by the New York TimesThe Scripps Howard Awards aim to spotlight the very best in quality journalism that impacts the world in which we live. Journalists spend countless hours away from those in their personal lives in order to expose truths and bring about change and justice. Those being honored with these awards, in several categories, are journalism heroes. 2078

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