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It started out as a way to help her brother, and now, it's become so much more than that. Now one sister's efforts have made an impact far more than she could ever imagine.In their household, twins Sarah and Jacob Greichen are both included and involved. But one day after school a few years ago, Greichen realized outside the walls of their home, it was a different story."My brother got in and he was crying," Greichen said. "And he was saying, 'Mom I have no friends why don't I have any friends.'"Jacob has autism, and exclusion took its toll."He actually stopped talking completely," Greichen recalled. "He regressed, he went from probably a fourth, fifth, sixth-grade level to first-grade level and it was a really hard time for my family."Greichen decided to do something. And at 13 years old, she founded the non-profit Score A Friend, which builds clubs for students with and without intellectual disabilities in schools and communities."Every single kid meets friends through school or though activities and sports," Greichen said. "And Score A Friend is creating those opportunities for everyone. So that they can meet friends and then those friendships can go from school to home."Clubs can be focused on sports or electives, and one club even got the whole school involved with score a friend week."They talk about inclusion," Greichen said. "What unified sports are what person first language is what do you say when you walk up to a person with a disability and what is the right way to act."Now, Score A Friend has gone national, spreading to more than a dozen schools across the country, including at least two colleges."I mean now we have commercials and billboards out which is crazy!" Greichen exclaimed. "I mean, I never would have guessed this from the beginning."But for Greichen, her brother is the true measure of success."Jacob finally started talking again," Greichen said. "He started playing sports again he started talking to other students and he actually had people to sit with at lunch."Greichen sees Score A Friend becoming a movement. One inspired by the person closest to her, and impacting the whole world. 2151

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

INDIANAPOLIS — Two Indiana veterans are raising concerns publicly about the Military Family Relief Fund, a fund that helps veterans get emergency help with food, housing, utilities, medical services and transportation.When you purchase a veteran license plate or a Support the Troops plate, a chunk of that money goes into the Military Family Relief Fund.The Indiana Department of Veterans Affairs administers the fund, and it says on their website that veterans and their families can get up to ,500.“Grants up to ,500 may be awarded,” reads the website. “The qualified individual or family member can receive up to ,500 one time from the Family Relief Fund.” Lisa Wilken, an Air Force veteran and veterans advocate, told WRTV someone contacted her with state records that show some people are getting beyond the ,500 limit.“I was very shocked,” said Wilken. “The big deal is ... the rules are the rules.  Anytime it’s beyond that limit, that’s a misuse of that fund.”The records shared with WRTV show several of the people who received more than the ,500 include employees of the Indiana Department of Veterans Affairs and the Military Family Relief Fund itself.“Employees at IDVA have been able to get this fund above ,500 where veterans around the state have been denied that opportunity,” said Wilken.Since 2016, IDVA has denied 799 applications to the Military Family Relief Fund.During that time frame, 3,971 applications have been approved.William Henry, an Army veteran and former adjutant of the American Legion, is also concerned about the inconsistency of how the fund is distributed to veterans in need."Those documents show potential misuse with the Military Family Relief Fund," said Henry. “To me, it looked very suspicious and called a lot of things into question and I thought immediately it needed to be looked into.”Henry said the American Legion asked him to resign when he pushed for the Indiana Inspector General to investigate IDVA and the Military Family Relief Fund."That's what it comes down to, doing the right thing,” said Henry. “Even though I lose a job. I'll find another job. That's fine but the thing that's important to me is justice."WRTV asked for an on-camera interview with IDVA director Jim Brown.He declined but provided a statement in which he said “a limited number” of people who received funds beyond the ,500 limit were IDVA employees. 2438

In mid-July, California’s department of transportation, known as CalTrans, was supposed to break ground on a highway construction project that was expected to take 18 days.The work was to repair and repave 800 feet of the busy 101 Freeway that connects San Francisco to the mainland, but the work never started because the project wrapped up in April, months before it was originally expected to begin."In the Bay Area, it was one of our busier years,” said CalTrans spokesman Bart Ney.The only reason contractors were able to start and complete the project months ahead of schedule was because of COVID-19.“We had to reduce traffic in normal situations by 30%, which was going to be very difficult,” said Ney. "In this case, we already had about a 40% traffic reduction because of people staying home for COVID-19.”In Colorado, something similar happened as plans to add an express lane through the main mountain corridor were able to accelerate a month.“It was over a 50% drop in traffic,” said Colorado Department of Traffic spokeswoman Presley Fowler.In April, the Federal Highway Administration says Americans drove 40% fewer miles than they did during the same time in 2019. It allowed projects in Nevada, Arizona, Wisconsin, Texas, Virginia, and Florida to all start ahead of schedule as well.The reduction in traffic didn’t only speed up work timelines, it also increased safety for workers as they could work during daylight hours that typically would have been off limits because of rush hour traffic. It also allowed states to save taxpayers millions in worker payroll.“You would quantify that impact in numbers in the tens of millions of dollars,” said Ney of the Highway 101 project.But as some states sped up their projects, others had to apply the brakes to theirs. The reduction in traffic volume hurt states in the pocket when it comes to gas tax revenue. Starting in March, states started seeing their biggest loss in gas tax revenue in decades as some had to defer billions in repair projects, saying they were short billion in funding.To help, Congress has been working on a transportation bill since road work was left out of the CARES Act, but that still has not passed.As states have reopened their economies, traffic volume has resumed to around 80% of its pre-COVID-19 levels. That will help with gas tax revenue. But at the same time, it will take some projects out of the fast lane. 2421

In the midst of an economic downtown, small businesses had to figure out how to stay afloat. The website fundBLACKfounders launched earlier this year, and is providing a platform to help small businesses that are in need, or are looking to launch.“We offer a boutique movie-going entertainment experience,” Kendra Tucker explained. She helps run Next Act Entertainment. The idea for the Maryland business started in 2018, in part with co-owner Anthony Fykes.“2019 we opened up the theater. We took up a 1938 Art Deco theater right outside of Baltimore,” Fykes explained. “And we basically renovated it.”Then COVID-19 hit, forcing businesses like movie theaters to close temporarily.“During this time we knew that we just needed to survive as most small businesses do, and we had a lot of guests that were asking us about, How can we support you?'” Fykes said.For some businesses, closures weren’t temporary. A study out of Stanford University showed the drop in business owners from February to April 2020 was the largest on record, and black-owned businesses saw a 41 percent drop.So Fykes looked for help. “I basically just did a Google search and I found Renee, and the platform looked legit,” he said.He had come across fundBLACKfounders, a crowdfunding platform.“We were super nervous at first around even doing something like this. We were like, how are we going to be perceived, are our guests going to think we’re going belly up?,” Fykes said.“What I noticed with crowdfunding is that not a lot of African Americans were using it for ownership or for building businesses or startups,” Renee King said. She started fundBLACKfounders. She said anyone can start a campaign on the platform -- but unlike other crowdfunding sites, fundBLACKfounders coaches businesses through the process, and gives founders flexibility. The platform takes five percent commission on funds earned.“They can raise or lower their goal amount,” King explained. “As the money starts to come in and our merchant account clears it, the money goes straight to the founder.”“Starting in the end of January 2020 through now, we’ve raised over ,000…for 12 black entrepreneurs,” she said.For Next Act, the platform provided a way for the community to help.“It’s success is really built on the strength of the community that supports it, and fundBLACKfounders, it matches the type of strength and support that we get from our community,” Tucker said.For other companies like Saraa Green’s startup, the platform gives her a way to get an idea going. “We initially wanted to raise capital for our business to bring our tool out into the market,” she said.Her product is called The Braid Releaser. “My mom had to take out our braids and take down our braids and that would take hours, and the tools that she was currently using really wasn't doing its job,” Green explained. “She wanted to create a tool that would decrease the time in taking down braids, that is comfortable to use, and that essentially reduces the hair loss during the process.”That’s when she met Renee King. “I did not want my mother's dream to just come to an end because of this pandemic,” Green said.Nearly eight in 10 small businesses are now fully or partially open as of June, according to a poll by the U.S. Chamber of Commerce.“What's good is this is actually helping us think through how do we flex into the entertainment part of our business,” Tucker said. Next Act has expanded to become a broader entertainment space, and is even being used for private events to help stay in business.As fundBLACKfounders grows, King wants the platform to help connect businesses to their communities.“We need to start helping black entrepreneurs a little bit more, and getting them more funding so that they can scale the solutions they need for their communities or they need for the world in general,” King said. 3864