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In 2016, President Obama used the Affordable Care Act to extend federal sex discrimination protections to people who identify as transgender.But after a recent move by the Trump administration, some of those protections are now gone.“What happened with the recent Trump administration ruling is that they basically said they were taking out that definition of sex discrimination and stated that it only applied to a person’s birth sex and couldn’t be applied to their gender identity and that they were no longer going to enforce any protections on the basis of gender identity," said Dr. Eliabeth Kvach. “I think there’s something to be said, to think about what it’s like to be a person where the government says you don’t deserve to get accessible health care,” said Andrew MillerKvach and Miller both work at Denver Health in Colorado. Both call the recent rule change in DC a direct threat to the lives of transgender men and women.“We have for example, 300 patients on our list to be able to receive vaginoplasty or gender confirming surgery for transgender women. And if you’re waiting years to get that surgery and then all of a sudden you’re worried about whether your insurance is going to cover it, that is enormously psychologically devastating to people,” said Kvach.“I think that we’re already seeing that with cases coming out of hospitals denying care to transgender and non-binary folks," said Miller.“I certainly think that it is dangerous to the lives of transgender and non-binary people,” said Kvach.Denver Health is a LGBTQ+ Center of Excellence. For the health system it means any patient regardless of sexual orientation, gender identity, or other LGBTQ identification can receive treatment from any doctor for any health need“LGBTQ health care isn’t specialty care, it’s just health care,” said Miller.And while Miller is an employee at Denver Health, this is an extra important issue for him personally.“I identify as a transgender man, and as I said before, my pronouns are he, him, his. I was born female, and at a certain point in my life, I recognized that being a woman didn’t fit for me, it was like I was living this false life,” said MillerFor him, and many trans people, being called the wrong name or the wrong pronoun isn’t just a simple mistake“When we say hey, my name is Andrew, that’s what I go by, but you call me my birth name, what I hear is, 'It doesn’t matter that I told you my name.' You get to be more of an expert on me than I get to be on me. Why should I feel safe that you’re going to actually take care of me, if you can’t even call me my name?” Miller said.For trans people around the country, this rule change might mean they could be denied hormone therapy or gender reassignment surgery. Procedures the transgender and health care providers who treat them, deem medically necessary.“Medical treatment with hormones and with surgery help a person’s body align with who they are, with their gender identity,” Kvach said.But it also means they have to be worried about being denied treatment for anything from a sore throat to life saving surgery.“I’m from the south, I think about it all the time. What it would be like to go back home and have a medical emergency and not be able to get care. To be a person denied health care, and it’s terrifying,” said Miller.And that increased anxiety can lead to bad health outcomes from avoiding preventative treatment to suicide.A survey from the Trevor Project released this month shows that more than half of kids who identify as transgender and nonbinary have seriously considered suicide in the last 12 months.While this rule change may be disheartening to many, institutions like Denver Health reaffirm their commitment to treating transgender people, like people“I want folks to be able to go to the doctor and feel safe. I want my community to survive,” Miller said. 3878

If someone asks to borrow your cellphone, would you lend it them? If you have a popular payment app on there, you might want to think twice.Popular money transfer apps and services like Venmo, PayPal or Apple Pay are all attached to people’s bank accounts.Brittany Burmeister uses Venmo every day. She wasn’t aware police in cities across the country are warning of a scam circulating, costing some thousands of dollars.It works like this: someone asks to use your smartphone, says their battery died or they left theirs at home, they use your payment app and steal your funds without you even knowing.Joseph Martinez, an information system security professor at Milwaukee Area Technical College, says when you’re not using them, log out of the money apps and while you’re at it, get off of Bluetooth.“They can hack into the phone via the Bluetooth portal and then through that portal have access to any application that you have your password and credentials automatically stored,” said Martinez.He also suggests linking your credit card instead of a debit card, so you have more protection. Burmeister is taking notes, considering her cell, like so many others, is a digital wallet. She says she’s not sure now if she’ll hand off her phone to a stranger. “I’d probably just say 'hey, I bet the restaurant has a phone inside' or if they’re in a public place,” said Martinez. A spokesperson for Milwaukee police hadn’t heard of any reports but urges people to be cautious. Martinez says as another precaution, you should download antivirus and spyware apps and what’s called a VPN app, or "virtual private network." It will shield your financial apps from strangers trying to gain access. 1726

If all you ever wanted was only to eat the magically delicious marshmallows from a box of Lucky Charms, then today is your lucky day.General Mills announced that for a limited time only, they will sell marshmallow-only pouches of the sugary goodness. 258

If not for an attorney taking her case pro bono, a Barberton, Ohio woman’s request for 40 cents nearly landed her a 30-day stay in jail and a 0 fine under the city’s strict panhandling ordinance.Enacted in 1980, that ordinance could be repealed by the city council next month. If not, the woman’s attorney has threatened legal action over the “unconstitutional” ordinance.In February, Samantha Stevens, a single mother of one, was asking patrons of a McDonald’s in downtown Barberton for 40 cents so she could cover bus fare. A city police officer then issued the woman a summons for soliciting alms — better known as panhandling. Under city ordinance, it is considered a fourth-degree misdemeanor, which carries a potential 30-day jail sentence and a 0 fine.Civil rights attorney Becky Sremack came across the incident by reading the police blotter in the local newspaper, the Barberton Herald.“I wrote her a letter and offered pro-bono legal assistance at that point,” Sremack said. “It doesn’t really add up to charge someone criminally for asking another citizen for a small amount of money.”Not only does it not add up, it’s also unconstitutional, Sremack said.Laws prohibiting panhandling in public places have been repeatedly deemed unconstitutional by federal courts because soliciting or requesting money is considered protected speech under the First Amendment.Last week, Sremack filed a motion to dismiss the charge against Stevens on the grounds that the city’s anti-panhandling ordinance was unconstitutional. City prosecutors have since dismissed the charge.“The fundamental problem is that the government does not have the right to ban solicitation in a public place,” Sremack said. “Solicitation of money asking someone for help is free speech and is protected along with every other type of speech. It’s a basic free speech issue. The Constitution has to apply to the poor as well as to the rich.”Sremack then took the matter a step further, penning a letter to Barberton city leaders that if the city’s anti-panhandling ordinance isn’t repealed within a reasonable amount of time, she would be filing a lawsuit against the city. According to police records, a total of 30 panhandling summonses have been issued since January 2017.“Criminalizing is going to do nothing to reduce the need amongst the poor for help, for assistance,” Sremack said. “These resources would be better put into programs that address the underlying issue.”City Law Director Lisa Miller told Scripps station WEWS in Cleveland on Tuesday that city leaders had begun the process of repealing the 38-year-old ordinance before Sremack sent the letter. The possible repeal of the ordinance could go before a city council committee on May 7th. A vote on the measure could come as early as May 14th.Craig Megyes, the president of the Barberton City Council, said he anticipates that the ordinance will be repealed.The possibly unconstitutional ordinance only applies to soliciting in public places like sidewalks and street corners. Private property owners still have the right to prohibit panhandling on their property.“The Constitution protects speech that we like as well as speech we don’t like,” Sremack said. “Simply being made uncomfortable by seeing a neighbor in need is not enough to call it a crime.” 3315

In a typical year, most people want to see family for the holidays. But many people don’t really want to stay with family.So if you’ve already made the decision to spend the holidays this year with family members outside of your household, here’s one perhaps welcome byproduct of 2020: Instead of sleeping in your childhood bedroom or on the basement futon, you might finally stay in a hotel.While 95% of Americans say it’s usually important to spend the holidays with family, 30% say they believe they would enjoy the holiday season more if their family came together without all sleeping under the same roof. That’s according to an online survey of 2,000 U.S. adults by SWNS Media Group and commissioned by Motel 6, done in 2019 — before COVID-19 was part of the vernacular.Now you have reason to be optimistic about an otherwise brutal 2020 — you finally have a tough-to-argue-with excuse to not stay with family (or not to let family stay with you, if you’re usually the host). Instead, if you’re still planning to see family, it’s more likely that this is the year you find yourself staying at a hotel or vacation rental.Here’s why you should take advantage of this one silver lining in what most people agree has been a crummy year for traveling and seeing family.You’ll have better quality timeTwenty percent of respondents in SWNS Media Group’s 2019 survey said getting on each other’s nerves was a top concern when it comes to staying with family during the holidays. Another 20% cited family drama. More time together means more opportunities to get annoyed and allow tense topics to creep up: the election, the pandemic, the economy, healthcare … and the list goes on.According to the Centers for Disease Control COVID-19 guidelines, gatherings that last longer pose more risk than shorter gatherings. So instead of a long weekend with family, this year you might meet up for a few hours to have Thanksgiving dinner at a park, or to go on a neighborhood walk to view the Christmas lights.Just a few hours together before heading back to your hotel allows you to focus on easier conversation topics without causing a ruckus. That’s enough time to discuss the latest happenings in Zoom school or to chat about your newfound hobbies, without getting into areas that are more likely to ruffle feathers.You’ll sleep more comfortablyStaying with family as an adult can be uncomfortable — literally. Maybe you and your kids are shoved in a basement. A loose piece of plywood from the futon is jamming into your back. Your kids are in sleeping bags on the floor in the hallway, blocking your path to the bathroom (which you’re sharing with your sibling and their own family).This year, go for the hotel or vacation rental. You’ll have a real bed. The kids might get their own room, and you won’t have to share a bathroom with anyone outside of your household.You’ll also get to live on your own schedule. So turn on the TV in the morning without worrying about your host’s dog barking at it. Or stay out as long as you want, without grandma worrying that you’re out too late (even though you’re a full-grown adult).You have a good excuse not to host guestsIf you’re usually the host, you already know it’s a lot of work. But this year, you’ve got a built-in excuse to avoid those extra loads of laundry and dishes. No making sure you have enough vegan, gluten-free and keto food options in your pantry to accommodate all of your guests.Instead, you have an opportunity to see family members in your city without them living inside your house. This year, you might recommend the family meet up for apple-picking (the CDC lists visiting orchards where people use hand sanitizer before picking apples as only a moderate-risk activity).Even if you’re still serving as the host in some capacity — perhaps offering up your backyard for an outdoor feast — you’re off the hook for one of the worst aspects of being a host: ensuring everyone has a bed to sleep in for the night. Nearly 40% of hosts said organizing sleeping arrangements is one of the most stressful parts of preparing for guests, according to the SWNS Media Group survey.You won’t offend your host by not staying with themWhile some folks find aspects of hosting incredibly stressful, some guests find it just as stress-inducing to decline invitations from hosts who insist you sleep over. Some of the world’s top etiquette experts have devoted effort into devising ways to politely-but-firmly decline invitations from hosts who are adamant that you stay over.Bu this year, you don’t need an etiquette expert to help you explain why you’d rather opt for a hotel.You’ll find better hotel deals this yearIf you’ve always toyed with the idea of staying at a hotel but staying with family usually wins out in the name of saving money, here’s another reason to give in to the hotel for the 2020 holidays: You’ll likely score better rates than in any other year.With summer travel down, hotel chains offered up some pretty good deals, many of which are still valid now — and many hotels offered up bonus points in their loyalty programs with every stay. At one point, Best Western was handing out gift cards just for staying with them.Luxury travelers can still take advantage of a super sweet deal in Fairmont’s nearly unbeatable buy one, get one free offer for every night’s stay until April 30, 2021 (book before Nov. 16, 2020).If travel doesn’t pick up, it’s likely you’ll find more deals ahead of the winter holiday season. In fact, Hyatt has already announced that all World of Hyatt members will earn 3x points for qualifying stays through January 4, 2021, for up to 150,000 bonus points (anyone can become a member for free online).And if you’re a Hilton Honors member, you’ll earn double bonus points for stays at Hilton hotel between now and December 31, 2020. That’s good for building up your hoard of Hilton Honors points, but it’s also great if you’re trying to earn Hilton Honors elite status, as you’ll also earn double night credits for your stay.The bottom lineThis year has been rough in a lot of ways, but it’s also provided opportunities for silver linings. Travelers have already experienced some positive changes, like waived airline change fees, improved hotel cancellation policies and better airplane sanitization (because when were the tray tables ever cleaned before this?).And this holiday season, there’s one more reason to look on the bright side: Whether you’re masking it up for Christmas this year or hosting a socially distanced in-person Thanksgiving picnic, you’re finally off the hook for sleeping on the squeaky futon in the basement. Perhaps the best present you can give yourself this holiday season (without feeling guilty about it): your own hotel room.More From NerdWalletWhen Should You Book Basic Economy?Travel Insurance Options for Digital NomadsHow Safe Is Air Travel Right Now?Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 6979