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When you enter the sunset years of life, often there is reflection.Terry Criger likes to think of her former career as a school lunch lady in Arizona.“Oh, I loved it,” said Criger. “If I could go back, I would.”However, the passing of time eventually catches up to all of us.Criger’s been in an assisted care facility in Midvale, Utah for about a year and half now.“I had very high concerns that I would be put here and left, and fortunately I haven’t been,” Criger said through tears.She says if it wasn’t for her daughter, she’d be lost.“People here will ask what insurance you have and I’ll tell them that I don’t know and they need to ask my daughter,” Criger said.Criger is not alone.“It’s crazy. People just don’t know enough,” said Michelle Malais, a certified senior advisor.Navigating the world of health insurance and available services for our aging population can be overwhelming for families.“When it comes down to it, there is always a way; you just have to explore the different options and that’s where I come in,” Malais said.Malias is part of a national organization called Assisted Living Locaters, which helps families find the best options and how to pay for it.“I’m an advocate really for them,” Malais said. “It’s really important for our seniors to age with dignity.”Her introduction to the world of senior care was personal. Her mother suffered from dementia and her father struggled to offer care for her.“I’ll never forget that conversation because that was devastating to him,” Malais said. “He thought he had planned and, unfortunately, didn’t.”Now, she has made it a mission of sorts to make sure no one else is put in that position.“It’s very important to get ahead of the game,” Malais said.In most cases, that means having tough conversations with aging loved ones as soon as possible.Criger is adjusting well to her new life, and she has some advice for those willing to just roll the dice down the road.“You need to make a plan,” Criger said. “You need to plan for retirement because you never think you’re going to be, where you’re at in 20 years.” 2092

With lawsuits, recounts and protests all looming, here is the official timeline for reporting and certification of the 2018 General Election results from the Florida Department of State:November 6 204

When Tim Frye retired from his job as a project manager in 2017, he envisioned traveling the U.S. in an RV with his fiancée. But not long after spending about a quarter of a million dollars on a luxurious, 39-foot 2014 Forest River Berkshire motorhome, his fiancée left him — and he was left with a very expensive vehicle in his yard.“I could sell it, but I’d lose a ton of money because I had just bought it and wouldn’t be able to get the full value back,” Frye said. “Or I could rent it out.”Frye, who lives in Flower Mound, Texas, opted for the latter, posting his motorhome on online RV rental marketplace Outdoorsy, which is essentially Airbnb for motorhomes and campervans. Owners coordinate with renters on a meetup spot and handle the vehicle maintenance and cleaning. Outdoorsy handles the booking requests, transactions and RV insurance.In his first two years renting his RV on the site, business already was good for Frye. But everything changed when coronavirus hit. And for Frye’s RV business, things changed for the better.“This is the king of side hustles for me,” Frye said.The coronavirus impact on RV rentingPortland-based Adam Clayton has two 2017 Winnebago Travato campervans available for rent on Outdoorsy. Before the pandemic, Clayton said both RVs were booked solid through October 2020. Given his location about 15 minutes from Portland International Airport, Clayton frequently catered to international visitors looking to road trip through the Pacific Northwest.But when the pandemic hit, all his out-of-towners immediately cancelled their reservations. With Oregon state parks closed, business was slow in March and April. But as parks reopened, Clayton saw a quick uptick in locals. Eager travelers converted from cruising to camping. They ignored international travel in favor of national parks. And that meant a sudden uptick in people looking to rent or buy RVs.It was a similar situation for Andrew Carson, who rents his RVs out of his home in Fredericksburg, Virginia.“As of early March, we had 11 reservations set up throughout the summer, yet once COVID hit, every single one canceled,” he said. “We panicked, thinking, ‘what have we gotten ourselves into?’ But once things started opening back up — around April — RVing became the hottest thing in America.”By May, he had already been booked for 120 days straight. Frye was especially lucky; he never even saw an initial dip.“People came to me because they had trips planned, but suddenly their hotels had canceled on them,” he said. “People were scrambling to find places to stay.”Frye says his bookings are up an average of 70% year-over-year. But while business is up, most RV owners agree that the type of business has massively shifted. It’s a lot of first-timers (Carson estimates about 70% of rentals this year were to first-timers), which means owners have to spend more time with renters during the initial walkthrough, and there’s higher odds of renters running into issues simply for being novices.With the usual RV-friendly spots off the list as music festivals remain canceled and many ski resorts are still closed, people are also shifting where they’re headed.“I’ve already booked two customers who are driving my RV to their parents’ houses,” Clayton said. “Rather than stay inside the parents’ house, they’re going to park in the driveway.”How much money can you make renting out an RV?RV rental marketplace RVshare estimates that owners of Class A RVs (those are the largest, most luxurious of the motorized RVs), can earn as much as ,000 per year through their site.There are also some costs involved, however:Commission fees: Online RV rental marketplaces typically charge a commission. Outdoorsy takes a 20% cut of the total reservation cost. RVshare is less transparent about fees since the commission rate correlates with revenue, but owners say it’s typically a 25% cut.Monthly payments, insurance and maintenance: If you’re financing your RV, you’ll have to make monthly loan payments, which likely also means interest and fees. Plus, factor in expenses like maintenance and RV insurance.Storage: RV storage can also be pricey if you don’t have your own garage to store it in. Expect to pay at least ,500 a year — and even more if you’re in a high-cost-of-living area or have an especially large vehicle.But still, it’s a lucrative side hustle. Frye said after accounting for all those costs, he still pockets ,000 annually on his single RV.Virginia-based Carson owns two Class C motorhomes (those are often referred to as mini-motorhomes). Between insurance and monthly payments on his two RVs, he pays about ,400 a month in RV-business related expenses — which easily pay for themselves. Carson said that this summer he grossed ,500 per month between both RVs.Considerations when getting into an RV-renting side hustleHigher-end vehicles typically work out to be better long-termFrye’s RV is a Class A motorhome, which is essentially a full house on wheels that’s big enough to stand up straight inside, has a full kitchen and bathroom, and sleeps multiple people.While they’re more expensive, Frye said he believes Class A motorhomes more easily retain their value versus a cheaper RV, like a campervan. He also said that since the RV is more expensive for renters, it attracts clientele who are more likely to take care of it.It’s good income, but it’s not passive incomeOwning an RV requires regular work. There’s annual maintenance, but there’s also work to be done with every rental. Between doing laundry, power washing the outside and wiping down the inside, Carson estimates he spends three to six hours cleaning the RV after every trip. He also spends about 30 minutes on the pre-rental walkthrough (and sometimes more if the renter is a newbie). Plus, he spends hours each week scheduling and communicating with renters online.Accept that they won’t be returned in perfect conditionWith strangers driving your RV, it’s bound to get dinged up, especially with more first-time RV renters. Even though RV experts will usually tell you they’re not as hard to drive as you might think, they’re still much tougher to navigate than your average small sedan.“You can’t be too emotionally attached,” Frye said.While sites like Outdoorsy do provide insurance, Frye still acknowledged that putting your RV up for rent is not for you if you’ll be flustered by every little scratch.“If they’re seriously damaged, Outdoorsy insurance pays for it,” Clayton said. “But if it’s something smaller — like a faucet breaks — I just fix it. It’s a business, so treat it like a business. If something gets scratched, don’t freak out.”Location mattersFrye attributes his Texas location as a big factor in maintaining consistent bookings year round, as opposed to owners up north who experience a dip in bookings once it gets colder.And specific locations within that area make a difference too. Carson lives just off of Interstate 95, the main highway along the East Coast, which means easy access for road trippers headed up to Maine or down to Florida.Getting into the RV business nowWith road trips surging in popularity, it’s a lucrative time to adopt RV renting as a side hustle. But if you don’t yet actually have an RV to rent out, good luck.Just before COVID-19 was part of the lexicon, Clayton had run the numbers and was committed to buying a third RV to build his small business sometime in 2020. But just as the rental business is booming under COVID-19, so is the business of owning one.“Every Class B RV — even if it does go on Craigslist — is now exorbitantly priced,” he said. “My only regret prior to all this is that I hadn’t purchased four RVs.”Frye is in a similar boat as Clayton; three years after buying his RV with a fiancée who has since left him, his only regret about buying one RV is not buying more RVs.“The RV market is so hot right now,” he said. “I’m trying to find another one to buy, but suddenly since the coronavirus hit, everyone wants to buy an RV.”And Frye has one more personal reason to add more RVs to his collection: He’s since met someone new — and she and her daughter both love RV camping with him.More From NerdWalletRenting Hotels for Big Events Is Dirt-Cheap … for NowAsk a Points Nerd: How Can I Celebrate the Holidays Without Travel?4 Benefits You Need From Your Travel Credit Card in 2021Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 8451

When Dr. Harold Bornstein described in hyperbolic prose then-candidate Donald Trump's health in 2015, the language he used was eerily similar to the style preferred by his patient.It turns out the patient himself wrote it, according to Bornstein."He dictated that whole letter. I didn't write that letter," Bornstein told CNN on Tuesday. "I just made it up as I went along." 382

White House officials have told congressional leaders and appropriators that President Donald Trump does not want any additional relief funding sent to Puerto Rico, a congressional leadership aide told CNN on Monday.While there are no talks to cut funds that have already been appropriated, a White House aide said negotiations have focused on keeping Puerto Rico relief funding out of a supplemental spending bill that would fund relief efforts in parts of the south that were ravaged by hurricanes this year.That aide noted Puerto Rican officials haven't yet spent all the money Congress has set aside for them, and said the administration is moving to stop any more money from going to help the island "because they don't need it and will most likely not be able to spend it."Trump's latest positioning on Puerto Rico was first reported by Axios. The White House has been making this known on Capitol Hill for "a while now," the congressional leadership aide said.Trump has previously taken aim at Puerto Rican officials?for their management of the billions in relief funds his administration has appropriated for storm recovery, accusing the island's leaders of spending some of that money for reasons other than hurricane clean-up."The people of Puerto Rico are wonderful but the inept politicians are trying to use the massive and ridiculously high amounts of hurricane/disaster funding to pay off other obligations," Trump tweeted on October 23. "The U.S. will NOT bail out long outstanding & unpaid obligations with hurricane relief money!"More than a month earlier, the President had repeatedly dismissed a widely cited death toll that placed the number of lives lost in Hurricanes Irma and Maria around 3,000 by claiming Democrats had exploited the numbers to make his administration look bad. There has been no evidence to indicate that partisan politics has played a role in the calculation of the death tally, and George Washington University, which conducted the study to calculate the death toll, released a statement at the time that said it stands by its work.Talks over stopping future funding for Puerto Rico come as lawmakers look to avoid a government shutdown when temporary spending bills expire in early December. The funding fight could be the last of Trump's presidency waged by a Republican-controlled Congress, as Democrats have an incoming majority in the House.The White House did not immediately respond to a request for comment. A spokesman for Puerto Rican Gov. Ricardo Rossello could also not be reached for comment.In October, the government of Puerto Rico rolled out a five-year economic blueprint that included billion in federal hurricane recovery relief. The plan was approved by a federal control board, which oversees the island's finances. The board's executive director Natalie Jaresko said at the time the funds would not be budgeted for debt payments, but rather to help stimulate the economy.In February, Puerto Rico received billion in federal aid under a disaster relief package signed by Trump.The funding for the devastated island was part of a billion package agreed upon by Senate leaders as part a two-year budget deal to avert a government shutdown. The relief deal covered a number of major disasters across the US, including Hurricanes Maria, Irma and Harvey, and wildfires in California.Puerto Rico had estimated it would need billion to rebuild the devastated island after two destructive hurricanes hit, shredding its power grid and infrastructure. 3555

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