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Akash Vukoti, speller 459, from Texas, was the youngest speller in the competition the first time he came to the Scripps National Spelling Bee, at six years old.Akash turns nine Tuesday, on the first day of competition. He's still among the youngest competitors, but the third grader is now a seasoned pro."It feels amazing to be back," he said, "Being in the National Spelling Bee itself is such an honor."Akash said he thinks the competition will be tougher this year -- after all, there are more competitors -- but that the actual spelling is his favorite part of being there. Oh, and he does like signing autographs in the Bee Keeper, too."I have more friends than ever," he said.On Tuesday, he correctly spelled "Tibetan" in the second round of the Bee. Third-round action will air on ESPN 3 starting at 8 a.m. Wednesday. 854

According to a new survey released by the United States Department of Education, 94 percent of teachers said they spent their own money on classroom supplies during the 2014-2015 school year, and the average amount spent was 9.Early childhood education teacher Natalie Soto-Mehle says one of the things she loves most about the three and four-year-olds who make up her class at Trevista Elementary School in Denver is their “energy and joy for life.”So she chooses to do all she can to make their day as engaging as possible.“We might want some sparkly pencils to make it a little bit more interesting,” she said, adding that she’d be buying these types of things with her own money.She acknowledges that a lot of what she buys wouldn’t be considered “essential” by many people, but they’re ways that she can make the experience better for her students.“We have a great library, and I do use it, but I want the books for future use so I’ll buy the books that I want,” she said.Soto-Mehle says she probably buys over ,000 worth of extra supplies for her students each year. She can even remember a few years that hit the ,000 mark.But she just chalks it up to being a teacher.“It’s part of what you do,” she said.Does it surprise Soto-Mehle that 94 percent of teachers pay for supplies out of their pocket? Not at all, adding that she “knows a lot of teachers” who do the same.Some of the expenses she incurs are for art supplies like markers, crayons, and paints; storage contains like bins and baskets; picture books that she wants to keep for her students from one year to the next; even houseplants for the room.In her classroom, she’s fortunate in that many of the students’ families contribute things like art supplies and tissues to the school’s pot at the beginning of the year.But when you’re supply “runs out mid-year” as Soto-Mehle says can happen, she doesn’t want to go back to the families.“You don’t want to ask families to pitch in,” she said, adding that “it’s important to me, so I’m not complaining about it.” 2052

After Hurricane Laura hammered parts of the Gulf Coast, communities are coming together with people helping people.“The battle cry is out there,” said Curtis Drafton, who is gearing up for a private rescue mission. “The bell is tolling. Let’s go get it!”This United States Army veteran, who spent his life helping others, is now spending his own money to do the same as a civilian.“Last year we spent around ,533,” he said.Drafton is leading the Veteran Emergency Response Unit, a nonprofit providing relief during natural disasters.“It’s not really about the money,” he said. “It’s like, Americans are suffering, Americans are dying and at the end of the day, somebody has got to pick up the slack.”About an hour outside of Baton Rouge in Gator Country, neighbors gathered to help remove a fallen tree off Paige Fontenote’s brand new outdoor carport that was crushed during the storm.“It touches my heart; it makes me want to cry,” she said.Overcome with emotions, Fontone almost broke down from the support from people in the area where she wants to retire.“This is what it’s all about,” she said. “This is why we want to move here.”In Lafayette, Louisiana, homeowners took matters into their own hands, chopping down a fallen tree between a home and an apartment complex.“You cook a gumbo, you hope nothing doesn’t happen to your house and then you get out and help your friends,” said one local man.Helping friends in this time of need as people continue to help other people.“If 2020 hasn’t taught us anything that would be it,” the man said. “Turn the TV off, spend time with your neighbors and do it for them.” 1628

About 1 in 3 people 65 and older in the U.S. enroll in Medicare Advantage, the private insurance alternative to traditional Medicare. It’s not hard to see why: Medicare Advantage plans often cover stuff that Medicare doesn’t, and most people don’t pay extra for it.But Medicare Advantage can be more expensive if you get sick because copays and other costs can be higher, says Katy Votava, president of Goodcare.com, a health care consultant for financial advisors and consumers.Unhappy customers who want to switch back to traditional Medicare may find they no longer qualify for the supplemental policies to help pay their medical bills, or that they would face prohibitively high premiums.“These are complicated products,” says Votava, author of “Making the Most of Medicare.” “They’re like nothing else, no other insurance that people encounter anywhere until they get to Medicare.”Medicare’s alphabet soupThe first hurdle many people face when deciding about Medicare coverage is simply understanding how the various parts fit together. Traditional Medicare, also known as original Medicare, has two parts:Part A covers hospitalization and is typically premium-free.Part B covers outpatient care, including doctor visits, and has a standard monthly premium of 4.60 for 2020, although higher-income people pay more.You can choose any doctor who accepts Medicare, and most do. The government pays health care providers directly.Part D is prescription drug coverage, which is provided by private insurers. The drugs that are covered and the amounts you pay out of pocket vary widely. Monthly premiums vary as well but average .74 in 2020.Traditional Medicare has deductibles, copays and coinsurance that can quickly add up. To cover these gaps, private insurers also offer supplemental plans known as Medigap. The average monthly Medigap premium in 2019 was 2, according to health insurance marketplace eHealth.com, but it can be lower or much higher depending on the plan, the insurer and the area where you live. The plans are known by letters A through N. As with traditional Medicare, you can choose any doctor who accepts Medicare.If you apply for a Medigap policy when you’re first eligible for Medicare, the insurer has to accept you and can’t charge more for preexisting conditions.How Medicare Advantage is differentMedicare Part C is Medicare Advantage. Rather than add to the other parts of Medicare, however, Medicare Advantage plans replace them. Insurers that offer Medicare Advantage are required to provide all the benefits of Part A and Part B, and most plans include Part D drug coverage as well. In addition, the plans typically cover certain expenses that Medicare doesn’t, such as hearing, vision and dental care.Most Medicare Advantage enrollees in 2020 paid no additional premiums for their coverage, other than their regular Part B premiums, according to the Kaiser Family Foundation, a health research group.How Medicare Advantage manages costsMedicare Advantage plans are similar to employer-provided group health insurance: To be covered, you typically must choose health care providers in the insurance company’s network. The network may be relatively narrow if the plan is a health maintenance organization (HMO) or somewhat broader if it’s a preferred provider organization (PPO). You may need preapproval for certain types of care or referrals to see specialists. If you go out of network, your costs may not be covered or may not apply to your out-of-pocket limits. Even if your doctor is in-network now, that could change and you might not get much notice.Also, Medicare Advantage plans are typically regional. If you move out of the area or travel to other states, you may not be covered.The devil’s in the details, and Medicare Advantage plans have many, many details. The average Medicare beneficiary has access to 28 Medicare Advantage options, with varying networks, coverage, deductibles, copays and co-insurance, according to the Kaiser Family Foundation. In general, though, Medicare Advantage costs less upfront and potentially more overall if you need lots of medical care. Many Medigap plans have higher upfront costs but cover most if not all of your expenses when you need care.If you want to switch from one Medicare Advantage plan to another, you can do so during annual enrollment periods. But if you want to switch from Medicare Advantage to traditional Medicare, you often won’t have guaranteed access to a Medigap policy. That means the insurer may charge you more, exclude preexisting conditions for a time or not issue you a policy at all.That doesn’t mean Medicare Advantage plans are a poor choice — just a complicated one, says Tatiana Fassieux, a training specialist with California Health Advocates, a Medicare advocacy nonprofit. She recommends people contact their state health insurance assistance program, which can provide free, unbiased one-on-one counseling. Links to these programs can be found by visiting the SHIP National Technical Assistance Center.“People should not rely exclusively on television commercials,” Fassieux says. “That’s when people get stuck and sometimes make the wrong decision.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Fake Reviews and Saving ‘Too Much’Is Moving Now Your Best Financial Move?When Debt Relief Does More Harm Than GoodLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5523

Amazon has announced that it is going to cost more soon for its Prime membership.The price is going up from per year to 9. The price hike goes into effect May 11 for new members and June 16 for renewals.Customers who are Prime members receive free two-day shipping on more than 100 million items, free two-hour delivery on a range of products, and free streaming of TV shows, movies and music. Other perks include free monthly books and a lending library, unlimited photo storage, and free grocery delivery from Whole Foods in certain cities.If 9 is a bit much to pay all at once, they do have a monthly membership. The cost of that is .99 (formerly .99).There are some ways though to save. 724