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Americans aren’t exercising like they used to.“I’ve definitely been walking a whole lot less since the coronavirus hit,” Nathan Martin said.With social distancing orders put into place, the pandemic has many people spending more time at home.“I was a little bit less active and more Netflix,” Hannah Hockensmith said.Now, a new study is showing this drop in physical activity is increasing health concerns across the globe.“COVID-19 is a worldwide phenomenon unlike anything else we’ve seen in generations,” said Dr. Geoff Tison, a cardiologist at the University of California, San Francisco.Tison recently finished a new study using smartphone apps to track the step counts from almost half a million people in countries worldwide.The data was collected from mid-January to early June and the findings show the world is walking a lot less.“Within the first month of the pandemic, declaration activity decreased by about 27%,” he said.Tison says this lack of physical activity could damage people’s health, especially in older adults.“With decreased activity, increased sitting on the couch, just not being as active is muscle mass can start to decrease as can bone density,” he said.In America, the study shows the biggest drop in step counts happened in New York City while Dallas had the smallest decrease.“The changes in activity seem to reflect adherence to social distancing at least to a degree,” Tison said.To increase exercise indoors, Tison says is all about thinking outside the box.“You can do similar exercises, work similar muscles with things around the house,” he said. “Use a gallon of milk instead of a dumbbell.”To exercise outdoors, however, Tison believes changes need to happen at the city and state levels.“Policy makers, governments need to be creative understanding that people are humans and want to be active and want do things,” he said. “But to enable them to do that safely.” 1913

Apple iPhone fans love the edge-to-edge glass of the new X models. But some phone testers claim the new iPhone XS and larger XS Max are easier to break if they are dropped.  A new test from the electronics insurance company SquareTrade is raising questions about that glass and the durability of the new phones.In SquareTrade's drop from 6 feet, (which the insurance company claims simulate the height it would fall from if it slipped while you were talking) the XS screen shattered, resulting in loose and separated glass.A tumble test resulted in hairline cracks and scratches.SquareTrade calls the iPhone XS "high risk" for breakage, much higher than the older iPhone 7's and 8's, which did not have edge-to-edge glass.Others question SquareTrade resultsHowever, other reviewers say these tests may not be that realistic for most people.Apple says the new XS has "the most durable glass ever built into a smartphone."Other testers say unless you are in the NBA, most people don't drop their phones from a 6 foot height. They tend to drop them 3 feet, from pocket or purse level, such as when you are rummaging for keys. The tech review site CNET conducted its own tests, and says the phones sustained no damage from a 3-foot level onto a sidewalk.Panicking over this may be a case of "doesn't that stink."CNET says the new phones should be fine if they're inside a case and dropped from your pocket or tabletop. Bottom line: Buy a good case for any new phone, one that is rated for drop protection and is not just decorative.That way it stays safe and you don't waste your money._______________"Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps")."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 1901

As mandatory face coverings become more and more common, keep in mind, some are better at protecting from viruses than others.When issuing their face covering guidelines, San Francisco specifically called out masks with one-way valves designed for “easier breathing”, warning that they allow for droplets to get out of the mask and potentially endanger others nearby. These valves are usually about the size of a coin on the side of the mask.The CDC, and many other health departments and officials, urge wearing a mask to prevent the spread of the coronavirus because it can be spread through respiratory droplets. Those droplets are produced into the air when an infected person coughs, sneezes, talks, sings, chants, shouts, etc. They can then land on other people nearby or be inhaled by others.The CDC recommends people wear a cloth face covering in public settings, to reduce the transmission of droplets into the air.“There are no high quality studies regarding the use of masks with additional types of various filters placed in them or with ‘breathing valves.’ While widely marketed with various claims, these have not been studied at all and it is unclear if they help or hurt the overall filtration efficacy against microorganisms,” read a statement from Marc Sala, M.D., Assistant Professor of medicine in the Division of Pulmonary and Critical Care at Northwestern University’s Feinberg School of Medicine.People are being asked to leave N95 masks (without a valve) and surgical masks available for medical staff and essential personnel who are coming into daily contact with many infected patients.An N95 mask with an exhalation valve is not recommended because unfiltered air is sent through the valve and into the air, potentially carrying coronavirus droplets. “The presence of an exhalation valve reduces exhalation resistance, which makes it easier to breathe (exhale). Some users feel that a respirator with an exhalation valve keeps the face cooler and reduces moisture build up inside the facepiece. However, respirators with exhalation valves should not be used in situations where a sterile field must be maintained…” according to the CDC’s website.Dr. Sala said testing has shown things like multiple layers of cotton fabric is better than a single layer, material of a higher thread count is more effective, and overall, “these studies emphasized the notion that if a mask doesn’t have a good fit (has gaps) its effectiveness is dramatically reduced.” Dr. Sala said even if the cloth mask is not ideal, it can still play a major role in preventing illness as more masks are worn by the population as a whole.Bottom line, choose a fabric face covering that fits and is comfortable around your ears or head, and keep it on while in public, especially when social distancing is not possible, to protect you and the people around you. 2864

Another 1.2 million people filed new jobless claims last week, according to the Department of Labor’s latest jobless claims report, and 16.1 million people had continuing claims. There are many reasons why finding a job right now is difficult, but one reason may involve the number of people holding off on retirement.“My career has been absolutely wonderful,” said Peggy Morriston Outon. “Because I am privileged to be around people who want the world to work justly and fairly.”For 40 years, Outon has worked in non-profit and is currently the assistant vice president for community engagement and leadership development at Robert Morris University in Pittsburgh. This May, she was planning on retiring.“I decided I was going to let this job open, a job I have loved and benefitted from, and have somebody else have a chance and see what they could do with it,” said Outon.However, a few months before retirement, the pandemic hit the United States and Outon’s plans had to change.“They were not going to be able to re-fill my position because of economic challenges with COVID, so all of a sudden, my desire to open up a position and leaving more work for my co-workers,” Outon added.Outon has now delayed her retirement indefinitely. She’s part of a growing number of Americans doing so because of COVID-19. In fact, the non-profit organization, Life Happens, just conducted a survey that showed 43 percent of adults have either already delayed retirement or are considering it.“It kind of has to do with the uncertainty of what this is going to look like, this pandemic’s effects on long-term and short-term finances, said Fasia Stafford, the president and CEO of Life Happens.“What we also found interesting was that the younger folks were delaying it even more than the older folks, so when you are looking at folks from 18 to 23, they are thinking that this is going to have long-term effects on them, that their retirement age might be delayed because of what is happening currently.”Currently, it doesn’t help with our country’s high level of unemployment, having so many people postpone their retirement. It negates the natural cycle of people exiting the labor market and making room for newer people to enter.“It is important for society,” said Outon. “I think it is healthy for younger people to get their chance and for there to be ability for them to make decisions and be in charge frankly.”If retirement nest eggs keep cracking because of economic recessions hitting almost every decade, those chances are going to be more and more delayed. 2566

As Congress mulls over the possibility of another stimulus package, and the idea of including a second wave of stimulus checks in it, the House Ways and Means Committee estimates 30 to 35 million Americans are still waiting on their stimulus money from the CARES Act.“Let’s make sure that we don’t lose focus on the people who didn’t get a payment from the first branch,” said Bob Probasco.Probasco is a CPA and the director of the Low Income Tax Clinic at Texas A&M University. He has followed activity with stimulus checks since they started going out in April, in particular, all of the issues the IRS has had in getting the money into taxpayers’ hands.“There are just a number of different problems,” said Probasco. "People had old bank account information on their tax returns, and then, they changed their bank account, but the IRS doesn’t have the new one. The payment went to the bank, it will have to be returned and then a paper check will go out.”The IRS attempted to speed payments up in May by sending out prepaid debit cards to 4 million people, but the debit cards were not as helpful as anticipated and resulted in the IRS continuing to distribute paper checks for the remaining payments.“There were big problems with that,” Probasco explained. “We saw tax representatives, CPAs, lawyers, who people came to and said, ‘I got this’ and they weren’t sure that was legitimate.”The debit cards were sent in barely-marked envelopes that caused so many to think they were fake. So, the IRS had to issue a press release, reminding people that the “plain envelope from Money Network Cardholder Services” is not junk mail.In addition, the IRS had to issue guidance for those who destroyed or threw out their debit cards, asking them to call 1-800-240-8100. Anyone else who hasn’t received a debit card or stimulus check payment can go to the IRS’s Check My Payment feature on its website.“If you see on there that a payment was sent out, but you didn’t get the payment, there is a different number that you can call which is 1-800-919-9835,” Probasco said.The good news is the IRS expects to get all the stimulus payments out ahead of the initial September timeline, and a proposed second round of stimulus checks could go smoother.“There will be some improvements because the IRS has learned some lessons,” said Probasco. 2341

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