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About 60 percent of restaurants that had to close during the pandemic are now permanently closed, according to review site Yelp.Across industries, Yelp reports that 132,580 businesses that were listed as “open” on March 1 are now marked “closed”, and roughly 55 percent of those closures are permanent. Those percentages translate to 72,842 businesses permanently closed as of July 10 that were open in March, and more than 15,700 of those are restaurants.Las Vegas is suffering from the highest rate of closed businesses, with 861 that are now permanently closed. Las Vegas has seen a huge decrease in tourism, and according to Yelp, this accounts for the spike in closures.The rate of permanent closures has increased since April as the coronavirus pandemic spreads and businesses of all kinds are forced to close or adjust how they interact with customers, sometimes resulting in fewer sales. Yelp reports that the number of total closures, though, has fluctuated as states reopen and close down again based on outbreaks.However, some businesses are seeing far fewer permanent closures. These include professional services like lawyers, accountants, web design and tutors or educators. Health services like physicians, mental health services, and health coaches are also seeing fewer permanent closures during the pandemic.“With nearly every state (and even county) taking a tailored approach to reopening local economies we expect these shifts in consumer interest and business closures to continue to move at an unpredictable pace,” the report stated.As businesses opened up in June, Yelp reports that people are searching for alcohol-related experiences, with an increase in searches for wineries (up 51 percent since May), cideries (up 39 percent) and breweries (up 24 percent). Searches for outdoors activities has also increased since May, like ziplining (up 44%) and ATV rentals (up 37%). 1906

A White House official said President Donald Trump and his legal team are reevaluating whether Trump should sit down for an interview with special counsel Robert Mueller's team in light of the raid aimed at the President's personal attorney, Michael Cohen."The President has made no decision regarding the interview but anybody with common sense will see the attack on his lawyer as cause to reevaluate," the official said.The official added that the President's cooperation should be proportional to the courtesy he receives from the special counsel. The raid on Cohen's office is viewed by the White House as not showing the President that courtesy, the official said. 678

After several weeks of falling case numbers, Johns Hopkins reports that the spread of COVID-19 is again on the rise in the U.S. — and this time, the hot spots are shifting toward the Midwest.Following lockdown measures prompted by the virus' arrival in the U.S. in the spring, the spread of COVID-19 reached all-time highs in the summer months. On July 16, the U.S. recorded more than 77,000 confirmed cases of the virus — the most the country has been recorded in a single day since the pandemic began.According to Johns Hopkins, transmission rates slowed throughout July and August as states like Texas and Arizona re-instituted more stringent lockdown procedures. By mid-September, case rates in the U.S. slowed to about 34,000 a day.However, in the last week or so, Johns Hopkins reports that the case rates have begun to spike again — and that several Midwest states are reporting their highest case rates of the pandemic.Among those states is Wisconsin, which saw new cases jump from about 600 a day to more than 2,600 a day through the month of September. On Sept. 22, Gov. Tony Evers declared a public health emergency following several outbreaks on the state's college campuses.Last week, Evers urged many in the state to continue to wear masks and keep social distance.“There are many across the state who aren’t taking this seriously, who aren’t wearing masks, who aren’t limiting their travel, who are going about their daily lives as if though it is November of 2019,” Evers said.Kentucky is also setting state records for new case rates. According to Scripps station WLEX in Lexington, 6,318 Kentuckians contracted the virus last week — a one-week record. On Monday. Gov. Andy Beshear is expected to step up enforcement in requiring masks and face coverings in public.Indiana, Minnesota, Missouri, Nebraska, South Dakota, North Dakota, Montana and Wyoming are among the other Midwest states experiencing their highest new case rates of the pandemic.Currently, the U.S. is experiencing the second-highest amount of daily case increases in the world, trailing behind only India — who has new daily case figures drop from about 90,000 a day to about 60,000 a day in the past few weeks. 2204

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

Actress Sienna Miller says that her co-star in "21 Bridges," Chadwick Boseman, relinquished part of his salary to help cover their compensation disparity.Miller's revelation comes in the newest edition of Empire magazine, which pays tribute to the actor who died earlier this month amid a secret fight with colon cancer at the age of 43.Miller says that Boseman approached her about starring the 2019 police thriller, but the opportunity came after months of "working non-stop." Even though she wanted to work with Boseman, she said she was "hesitant to go back to work" because "her daughter was going back to school and it was an inconvenient time."As a result, Miller told the studio producing "21 Bridges" that she would only star in the film if she was compensated "the right way," even though she was asking for a figure that the studio would not pay her.However, Boseman — who was a producer on the film — said he would donate a portion of his salary to help Miller get the compensation she needed.“It was about the most astounding thing that I've experienced,” Miller told Empire. “That kind of thing just doesn't happen. He said, ‘You're getting paid what you deserve, and what you're worth.’ It's just unfathomable to imagine another man in that town behaving that graciously or respectfully. In the aftermath of this I've told other male actor friends of mine that story and they all go very very quiet and go home and probably have to sit and think about things for a while. But there was no showiness, it was, ‘Of course I'll get you to that number, because that's what you should be paid.’”For years, actresses have spoken publicly about the pay discrepancy between men and women in Hollywood. In 2018, producers from the Netflix series "The Crown" told reporters that star Claire Foy made less for portraying Queen Elizabeth than her co-star, Matt Smith, who portrayed Prince Phillip. 1907