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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 it comes to Olympic tickets, the Latin expression “caveat emptor” often applies: “Let the buyer beware.”The unprecedented postponement of the Tokyo Olympics has left buyers of millions of tickets in a quandary. Will the games happen next year? Will non-Japanese fans be allowed? Will there be any fans? How will health and travel restrictions be applied? Will there be a vaccine and quarantines?Tokyo organizers and the International Olympic Committee say the games will open on July 23, 2021, and the competition schedule remains virtually unchanged. But they’ve offered few details, and specifics aren’t expected until the fall and into next year as the COVID-19 pandemic evolves.“We have some people saying there is no way Tokyo 2020 is happening, and other people are saying it’s absolutely going to happen and ‘I’m going to be there for every moment of it,’” said Ken Hanscom, the chief operating officer of the Los Angeles-based firm TicketManager.Hanscom isn’t connected with Olympic ticketing, but his company manages big-event tickets for corporate clients. He’s also organized a popular Facebook page that’s a go-to for Tokyo ticket information.Olympic ticketing is always confusing, a maze of interests including official ticket resellers, national Olympic committees and sports federations, sponsors and advertisers, and local organizers and the IOC.Invariably at every Olympics, an event is listed as “sold out” although the venue is half-filled because some VIPs or hospitality guests haven’t shown up.Four years ago in Rio de Janeiro, IOC member Patrick Hickey of Ireland was arrested for scalping tickets. He has maintained his innocence. Japan has passed an anti-scalping law specifically because of the games, though it has several loopholes.The Chinese e-commerce, data and technology company Alibaba is taking over ticketing for the 2022 Beijing Winter Olympics, and likely beyond. Alibaba owns Damai, one of China’s largest ticketing platforms, and is also an IOC sponsor.Olympic tickets for residents of Japan were sold through the local organizing committee. It says refunds for the postponement “will be carried out” no earlier than this fall. This seems straightforward.It’s more complicated for non-Japan residents.Those outside Japan purchase through so-called Authorized Ticket Resellers appointed by national Olympic committees. They can charge a 20% handling fee on tickets, and are allowed to package desirable tickets with premium hotel packages. They also set the foreign currency exchange rates.In Brazil four years ago, CoSport, the ATR for the United States, used a currency exchange rate that drove up ticket prices.There are dozens of ATRs, and they’ve applied varied terms, conditions and deadlines for seeking refunds. The largest ATRs are: CoSport/Jet Set Sports, the only ATR for the United States; Cartan, which covers much of Latin America; MATCH Hospitality for Brazil and Russia; Kingdom Sports for much of Asia and Africa; Fanatic Sports for India.Christopher Chase, an attorney based in New York who specializes in sports, intellectual property and media, looked at the “Terms and Conditions” set out by Tokyo organizers regarding ticket use. He said the “force majeure” clause was defined broadly enough to cover the pandemic and health crisis.“Force majeure” spells out unforeseeable circumstances that prevents a contract from being fulfilled.But he noted that local organizers had already committed to paying refunds for the postponement, as have many ATRs.“It’s all a bit confusing as each set of terms seem to direct to the other party’s (terms),” wrote Chase, a partner in the law firm Frankfurt Kurnit. “But it does appear that tickets refunds are possible, regardless of whether a force majeure event occurs.”Tokyo organizers say at least 70% of 7.8 million tickets were set aside for buyers in Japan. About 4.5 million tickets have been sold to Japan residents, with ticket sales expected to be worth at least 0 million to local organizers, their third largest source of income.Hanscom said the uncertainty was pushing down hotel prices in Tokyo. This is accentuated as organizers say they’ll “simplify” the Olympics and cut back on officials, hospitality and media, freeing up blocks of hotel rooms.The Associated Press emailed about a dozen ticket buyers in the United States who purchased from CoSport. Some are keeping their tickets and plan to go. Some returned tickets but still plan to go and buy later. Others canceled plans to go altogether.Andrew Pham, a commodities trader in Spokane, Washington, summed it up. He has invested ,500 in tickets and still plans to go.“I would say at this point, no one should be buying or holding any tickets that they couldn’t afford to lose,” he said.Pham said he assumes that CoSport will be unlikely to return money if the Olympics are canceled.“I couldn’t imagine that they would have the cash liquid to refund people. The terms and conditions are also quite ominous,” he said.Sharon delPilar, a stage manager in Las Vegas, is also going ahead and has spent 0 on tickets.“I’m willing to run the risk — to a certain degree,” she wrote. “Everything else I have purchased (hotel and air) has been made with the option of refunds/cancellation. I trust all efforts will be made to work things out.”Thomas Armbrustmacher, an accountant in Fowler, Michigan, said he has invested almost ,000 in tickets and is also taking a chance.“I am willing to take the risk that I will not get a ticket refund,” he wrote. “I am being cautious on what I buy from here on out though because if cancellation results in no refund, I don’t want to lose too much more money than I have already spent.”Brandon Nagata, a state employee in Honolulu, said he spent about ,400 on tickets and had returned some for a credit card refund, minus the non-refundable service fee. He returned other tickets in exchange for credit for a next-time buy. No service charge was taken out. He still plans to attend.He was critical of CoSport setting the refund deadline on July 31 — a year away from the opening. He said CoSport also did not make the deadline widely known.Lora Cesana, who works as a film and television designer in Des Moines, Iowa, returned about ,000 in tickets. She said she and her husband, who also has an Italian passport, decided this was not the right time for an Olympics. They both are former New York City residents.“We witnessed friends and family in Milan and New York go through this crisis,” she wrote. “It was clear to us that it was not the right time to travel to Japan for a large gathering such as the Olympics.”___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports 6720

With COVID-19 cases surging across the country, public health officials and ICU doctors are pleading with Americans to reconsider gathering with family members ahead of the Thanksgiving holiday for fear of spreading the virus even further.“We really don’t have a national or even multi-state plan, and that worries me,” said Dr. Stephen Morse with Columbia University.While he strongly recommends against it, Dr. Morse knows inevitably some people will still get together on Thursday. His advice is to have a multi-layered safety approach.The first layer involves testing. He’s urging people to avoid those rapid tests if they can because they’re less accurate.With so many Americans trying to get tested right now, officials also say it’s important to plan ahead and be prepared to potentially not get results back before Thanksgiving.“Testing is really important because it’s the only way we can find people who aren’t obviously sick and stop them,” Dr. Morse added.Health officials say if you are planning a small family gathering, get tested before you see high-risk family members. Americans are also being urged to consider virtual holiday gatherings whenever possible.If you are gathering with people outside your household, eat in separate rooms or consider eating outdoors.“What I’ve seen is once it gets into a family, because we let our guard down around our family, everybody gets infected,” explained Dr. John Coleman, who works in the ICU at Northwestern University’s teaching hospital in Chicago.Dr. Coleman says there are just too many variables to consider when it comes to gathering for Thanksgiving this year.“I think we are on the cusp of some very, very dark months. What we’ve seen is the increase of COVID across the nation is going to eventually stress the health system.” 1804

What goes well with a hot pepperoni pizza? Pizza Hut is banking on its customers to say, "Cold beer."Pizza Hut announced on Wednesday that beer delivery will be available at 100 of its Arizona and California locations. The company said beer delivery is part of a nationwide pilot program. The beer will be stored in special coolers to keep it cold during delivery. Coors Light, Blue Moon and Miller High Life will be among the offerings. Customers who order a six-pack in some Arizona markets will have their delivery fee waived. "Nothing complements an oven-hot pizza like an ice-cold beer," said Zipporah Allen, CMO, Pizza Hut. "In addition to our extensive delivery network, many Pizza Hut restaurants are already licensed to serve and distribute beer, without third party services, additional fees, or extended wait times. Expanding the pilot program is a natural way for Pizza Hut to get our customers the perfect pizza and beer combo they're craving, delivered right to their doors."  Pizza Hut said it currently offers beer delivery at participating restaurants in Phoenix, Tucson, Glendale, Prescott, and Winslow in Arizona, along with participating restaurants in Los Angeles, Bakersfield, Riverside, Sacramento, Santa Barbara and Santa Clara in California. Pizza Hut will roll out beer delivery soon to additional locations, including Anaheim, Fresno, Huntington Beach and Redding later this month. 1456