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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

We've heard about telehealth for people, but now it's there for animals too. According to the American Veterinary Medical Association, there's been a significant increase in telemedicine, and some veterinarians are entirely virtual.The pandemic has proven we can do almost anything from our couches, computers and phones. We've grown accustomed to all things virtual and it seems our pets are used to it too.“It really highlights the value of something like this and it also really highlights where society is living. Even before the pandemic, turned to google, turned to the internet first. It's our first step in almost everything,” says Dr. Sarah Machell.Machell is the lead veterinarian for Vetster, which provides on-demand virtual care for your pet.“Consultations, meeting pet owners in their homes, where they are with their pets, and helping to address urgent and preventive care health conversations to them,” Machell said.She says the company, which launched in October 2019, wasn’t formed because of the pandemic, but they certainly evolved at the right time."The veterinary clinics themselves are feeling a really heavy surge with the pandemic. It’s a pretty crushing situation for them. We already as a profession had some staffing challenges, not enough veterinarians for how many pets and pet owners there are,” Machell said.Pet owners, she says, often have a hard time getting an appointment. Or they have to wait in their cars with their animal outside of their clinic. And, according to Vetster, 50% of pet owners don't even have an established home clinic.“There was a poll recently that showed 37% of American households welcomed a new pet into their home during the pandemic. Pandemic puppies are a real thing,” Machell said.“I think it offers a great addition to the tools I have at my disposal. Telehealth can be used very much the same way,” said Dr. Douglass Kratt, president of the American Veterinary Medical Association. The AVMA serves roughly 96,000 veterinarians across the country. They've been through a lot this year, adjusting to new norms, like all of us. As in human medicine, they've had to perfect, or initiate virtual options.“It doesn’t replace your veterinarian. What it does is help your vet better serve you and your family member,” Kratt said.Kratt admits there are some obvious challenges.“I can’t hear if your dog is coughing, I can’t listen to the heart and lungs via telemedicine so that wouldn’t be amenable,” Kratt said.He says, however, it's effective overall, and especially worthwhile if it's with your established vet. But if you don't have one, Vetster and other businesses like it aim to help.“There are so many pets and pet owners who sometimes sit on things and aren’t sure if they need to go into a clinic, really appreciate that piece of mind in the middle of the night that no, you don’t need to pack yourself up and get into a vet clinic. This is something you’re okay to wait until the morning,” Machell said.And she says they're prepared to help all animals from pocket pets to exotic and large animals. It’s yet another adjustment and another pivot in 2020. 3131

When it comes to voting, laws, deadlines and Election Day minutiae vary state-by-state, and there's some important things to know before you head to the polls.Here's a rundown of some important questions (and answers) for voters. 237

When it's one hundred degrees in Washington D.C., it's hard to get outside to do anything. But for supporters of the late Congressman John Lewis, the opportunity to pay respects to the civil rights icon is worth the sweat. "We knew before coming out here that the heat index would be 105," Lenora Simpson said. "He never stopped, he never gave up, he was always fighting," Simpson added. "I always tell my grandchildren if it wasn’t for the pioneers we don’t know where we would be," Simpson added. Simpson, like so many men and women lining up outside the U.S. Capitol, never met Lewis. They just know his legacy as a fighter for equality. 27 year-old Joshua Maxey, however, did meet Lewis five years ago during an interview. He stood in line Monday thinking of the advice Lewis gave the man. "[He said] now it’s your time, It’s your generations time to pick up the mantle, obviously those words are still stuck with me today," Maxey said. 949

When you hear wedding bells, you often see dollar signs. But there are additional costs to consider besides basic ones like the venue, dress, photographer and cake.Here are some often overlooked wedding expenses and how to budget for them. 257