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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’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

It's no secret that smoking and secondhand smoke are not good for your health. But a new study shows just how detrimental secondhand smoke is for children. "In past studies, we found up to nearly one-in-two children who come to the pediatric emergency department are exposed to tobacco smoke," said Dr. Ashley Merianos, an associate professor in the School of Human Services at the University of Cincinnati. Dr. Merianos led the study, comparing 380 children living with a tobacco smoker with 1,140 children who are not. The ethnically diverse study found that the children exposed to secondhand smoke at home were more likely to be hospitalized."We also found that the children who had been exposed had increased respiratory-related procedures, increased diagnostic testing. So, for example, being tested for the flu and laboratory testing, as well as radiologic testing, including x-rays of the chest and lateral airways," said Dr. Merianos.The children who were exposed to secondhand smoke were also more likely to be prescribed medications like steroids or inhalers. "Our findings highlight the need to universally screen for tobacco smoke exposure during every pediatric healthcare visit and provide interventions to reduce and prevent exposure among patients and their families," said Dr. Merianos.Dr. Merianos says intervention is key since hospital emergency departments mostly treat underserved patients with high tobacco use and limited access to information about quitting."I think right now, with the COVID-19 pandemic, there has never been a better time to quit. And the reason I say that is we know that there is emerging evidence that both smoking and vaping make it more likely that you have COVID and more severe COVID symptoms," said Dr. Susan Walley, the Chair of American Academy of Pediatric's section on Nicotine and Tobacco Prevention and Treatment. Dr. Walley says she's not surprised by the results of the University of Cincinnati's study, adding that secondhand smoke exposure has short-and-long-term health effects on children."Children who have secondhand smoke exposure are more likely to have ear infections, pneumonia, asthma and if they have asthma, more likely to have more severe asthma attacks like we see in this study," said Dr. Walley.Dr. Walley says children exposed to tobacco smoking parents or older siblings are also more likely to smoke themselves as they get older. Doctors hope the study highlights the importance of encouraging parents to quit tobacco use for good, for the sake of their own health and the children they love. 2581

INDIANAPOLIS -- A leader of the white nationalist movement was arrested and charged with domestic battery Tuesday following an incident at his southern Indiana home.Court records show Orange County prosecutors charged Matthew Heimbach, the leader of the white nationalist Traditionalist Workers Party, with a felony count of domestic battery committed in the presence of a child and a misdemeanor count of battery.According to ABC-affiliate WHAS 11 in Louisville, which obtained a copy of the court documents, police were called to Heimbach’s compound in Paoli, Indiana, on a report that Heimbach had assaulted his wife’s stepfather, Matt Parrott. Parrott is also a member of the white nationalist movement.When police arrived at Heimbach’s home, they reportedly learned Heimbach had also attacked his wife while their children watched.Heimbach was booked into the Orange County Jail. Court records show he posted a ,000 cash bond on Tuesday.Heimbach was previously ordered to attend anger management classes in July 2017 when he pleaded guilty to physically harassing a female protestor at a Donald Trump rally in Louisville, Kentucky. The judge in the case, Jefferson County District Judge Stephanie Pearce Burke, waived Heimbach’s 90-day sentence on the condition that he not re-offend within two years. The new charges against him could potentially put that suspended sentence in jeopardy.Just months later, Heimbach was one of the organizers of the “Unite the Right” rally in Charlottesville, Virginia, that resulted in the death of 32-year-old Heather Heyer when a car plow into counter-protestors.Scripps station WRTV in Indianapolis first reported on Heimbach in 2016, when the outspoken white nationalist was hired as a case manager by the Department of Child Services. Then 24 years old, Heimbach had already appeared on Nightline for his views on white separatism.WRTV found Heimbach had been terminated less than three weeks after his hire date.The most recent incident involving Heimbach may have larger ripple effects within his white nationalist organization, according to the Southern Poverty Law Center, which tracks organizations it classifies as “hate groups.”In a post to the SPLC’s website Tuesday, the organization said it spoke with Heimbach’s father-in-law, Parrott, who told them he was leaving the group.An initial hearing on the battery charges against Heimbach in Orange County had not yet been set. Kentucky court records show Heimbach is scheduled to appear for a review hearing on June 1 for his case from the Louisville incident.  2577

In the latest scathing allegation against the Catholic church, Pennsylvania's attorney general said the Vatican knew about a cover-up involving sex abuse allegations against priests. "We have evidence that the Vatican had knowledge of the cover-up," Attorney General Josh Shapiro told NBC's "Today" show Tuesday.He later told CNN's Wolf Blitzer, "Once the Vatican learned of it, I do not know if the Pope learned about it or not."The accusation comes two weeks after the release of a grand jury report saying hundreds of "predator priests" had abused children in six Pennsylvania dioceses over the past seven decades.Shapiro did not specify Tuesday what evidence he has that would suggest the Vatican knew of a cover-up."The only documents which are public are in the report itself, including the references to the Vatican's knowledge," Shapiro's spokesman Joe Grace said."All else remains sealed through the grand jury process."Vatican spokesman Greg Burke said the Vatican would need to learn more details about the evidence before commenting.Shapiro said the grand jury's lengthy investigation into abuse by priests also revealed a widespread cover-up "that went all the way to the Vatican.""This coverup served a very specific purpose," Shapiro told CNN."It was not only to cover it up within the parishes, within the churches. It was also to shield them from law enforcement so law enforcement officials like me couldn't charge them with crimes"In the two weeks since the grand jury's report was released, Shapiro said Pennsylvania's clergy abuse hotline has received more than 730 calls.It's not clear how many of those cases -- if any -- could still be prosecuted within the statute of limitations.But on the civil side, sex abuse cases have already cost the Catholic church and its insurance companies billions of dollars.The Vatican has taken steps to root out some offending clergy members. According to the grand jury report, in 2014, the Vatican said it had defrocked about 850 priests who raped or molested children and sanctioned 2,500 worldwide during the previous decade.The Pennsylvania grand jury report has put dioceses across the country on alert. Several other states have launched their own investigations into Catholic clergy.The-CNN-Wire 2269

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