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It happens every year around this time.The weather gets colder and cold and flu viruses start making the rounds. But this year, there's a third illness expected to enter the mix: COVID-19.New cases are coming in at a record pace. Hospitalizations and deaths are rising, too.Now, public health experts say the pandemic is in a "critical phase,” warning winter could be the worst season yet for the novel coronavirus.Cold weather is one of the main reasons that doctors expect cases to rise sharply over the next couple of months. Researchers say the virus survives best in cold, dry conditions without direct sunlight. The same conditions that fuel cold and flu seasons.The cold weather also pushes more people to spend time indoors, where the virus can spread more easily, especially if air ventilation is poor.“Pandemic fatigue" is another reason COVID-19 cases could surge this winter. The surgeon general says people aren't taking precautions as seriously as they were before and that it's already causing an increase.That fatigue is expected to get worse this holiday season. Many people got together for Thanksgiving, and Hanukkah, Christmas and Kwanzaa are right around the corner.Experts say while some people are simply tired of social distancing and being isolated, others plan to make an exception for just one day with family.Aside from warm weather, experts think this spring will bring a brighter outlook for ending the pandemic, with new therapeutics and vaccines to help bring cases under control. 1520

It's said a penny saved is a penny earned. But a penny exchanged with a 10% return rate is a financially friendly investment.From the Texas panhandle to southeast Wisconsin, banks across the country are launching coin buyback programs amid a nationwide shortage."We just wanted to be prepared to take care of all of our customers and not leave them short," Erik Schrader of Amarillo National Bank said.Schrader says anyone can bring in up to ,000 in coins to Amarillo National locations and swap them for 10% more in cash. So far, he says the trade-off is paying off for both people and banks."I've never seen a coin shortage. We have had lows throughout time, but never anything we thought was a problem," he said. "But luckily, we were able to get out ahead of this."Some customers aren't even looking to cash in. Neil Buchanan of Community State Bank in Wisconsin says many customers are simply exchanging the coins for bills and not taking the 5% incentive."We've had a lot of people come in and say, "No, no. I don't want the bonus. I just heard that there was a problem. I have this coin. I want to be part of the solution.,'" he said.Economic experts say the coin shortage is linked to the pandemic."There was a decline in supply of coins by the mints and there was an increase in demand for the coins as we all got back to getting the groceries," said Kishore Kulkarni, Ph.D., a professor of economics at MSU Denver.Kulkarni said countries around the world have suffered from coin shortages before, and while these types of coin buyback programs do help the economy, more transactions in the future will require less exact change."We are in a cashless society already, and we will be more so moving forward," Kulkarni said.Moving forward financially, Amarillo National Bank will continue exchanging coins for cash through Sept. 1. Community State Bank has received so many coins that it ended its buyback program. 1931

It was America's retailer, long before Amazon. But now Sears is filing Chapter 11 bankruptcy and closing another 140 stores — in addition to well over 1,000 stores the past five years.While the company will remain in business, longtime customers are a bit nervous, wondering about warranties for all those appliances they bought, as well as Shop Your Way reward points and gift cards.Sears shoppers like Cleo Pennington have a lot of questions about the bankruptcy."I'm very sad. Very, very sad," she said.So we checked the fine print in the Sears announcement to get answers.Q: Are all stores closing? A: Sears says no, and insists it plans to emerge from bankruptcy a stronger, leaner company.Q: What if you have a gift card? A: They are still valid, but any time a store files for bankruptcy, you may want to use them as soon as possible, just to be safe.Q: What about Shop Your Way rewards?  A: They are still valid at remaining Sears and Kmart stores.Q: Will appliance warranties be honored? A: Sears says it will honor them as long as it remains in business. That includes extended protection plans and full home warranties. However, Business Insider says if the chain decides to liquidate next year, then warranties could become worthless.Q: Where can you still find Kenmore appliances?A: In remaining Sears stores, at Sears.com, and on Amazon. More than just an appliance storeBut Sears wasn't just where moms and dads shopped. Tens of millions of children looked forward every Christmas to The Wish Book, filled with dozens and dozens of toys.Cheryl Ayers remembers it well, "It was a big deal when that catalog would come in the mail every Christmas and we would go through it with a pen and circle what we wanted Santa to bring," she said.Back in the 1920s and 1930s, Sears even sold houses, which today are still dotting neighborhoods across the country.But the houses went away after World War II, while Amazon, Target, and Walmart took the toy business, and Best Buy, Home Depot, and Lowe's took the appliance business.Sears will continue to sell Kenmore appliances in remaining stores and online, but Cheryl Ayers says it's not the same."This is the end of a dynasty and it's sad," she said.Sears will still have 600 stores remaining, and a website.But with big-name brands like Whirlpool pulling out, no one is sure how much longer remaining stores can survive. Business Insider worries some prospective customers may now be afraid to purchase a major Sears appliance, wondering about the future.________________"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  2838

Israeli news outlet Haaretz reported on Tuesday that explosions were heard south of the Syrian capital of Damascus as tensions appear to be heating in the Middle East. Syrian state TV reported that Syria downed two Israeli missiles over Syria late Tuesday. This news comes as the US State Department warned of possible attacks on the Israeli settlement of Golan Heights. The US State Department issued a travel alert on Tuesday as President Donald Trump announced the US no longer is part of the Iran nuclear agreement. Haaretz reported that the Israeli army said it believes Iran is planning to carry out an imminent strike from Syria.While the United States' European allies fiercely opposed the US walking away from the Iran deal, Israel applauded Trump's decision.  827

In the wake of Omarosa Manigault Newman's departure from the West Wing in December and recent tell-all book rollout replete with accusations of racism, a senior White House official was asked simply: Who is the most senior black aide on President Donald Trump's staff?After an awkward delay, the answer from Kellyanne Conway, counselor to the President, was "Ja'Ron."It would fall to recently departed White House aide Marc Short later in the Sunday morning broadcast to provide the full name for the staffer she was referencing: Ja'Ron Smith, special assistant to the President for Domestic Policy.The episode thrust Smith into the spotlight as the White House faced questions about its interest and commitment to diversity. None of the 48 assistants and deputy assistants to the President are black.Hired in 2017 to serve as an adviser to Trump on Urban Affairs and Revitalization, Smith was tasked with pursuing Trump's agenda on a slate of issues important to the black community, including prison reform and historically black colleges and universities."There were a lot of people who were upset that he joined the administration because they felt he had turned his back on the community that he said he wanted to help," said one Republican close to the White House.It is a challenging assignment: Trump entered the White House having only won 8% of the black vote. The President has also antagonized black Americans by claiming that there were good people on "both" sides of a deadly rally in Charlottesville held by White supremacists and Nazis and his prolonged criticism over protests of racial injustice by NFL players.Most recently, Manigualt Newman's book about her time working for Trump, she has resurrected rumors of an alleged tape of Trump saying the "N-word" during a taping of NBC's "The Apprentice," the reality television show that made both of them household names.The White House did not make Smith available for comment. 1967