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It has been 22 days since someone won the .5 billion Mega Million jackpot, and lottery officials are still wondering who the winner is.The winning numbers -- 5, 28, 62, 65 and 70, with a Mega Ball of 5 -- were announced October 23, but the winner remains a mystery.The winning ticket was sold at a KC Mart convenience store in Simpsonville, South Carolina. It was the largest US jackpot won by a single ticket and the nation's second-largest jackpot ever."They still have over 100 days to come forward," Holli Armstrong, a South Carolina Education Lottery spokeswoman, told CNN on Wednesday.That's because the winner has 180 days from the draw date to claim the prize, she said. In doing so, the new billionaire could remain anonymous."The winner has an option on the claim form to check 'yes' or 'no' for publicity," Armstrong said. "If the winner declines publicity, we respect their wishes and do not release their name."Though surprised that no one has shown yet up to claim the money, Armstrong said people often take their time to come forward."We don't speculate why they haven't come forward. The winner should know how they will handle the money accordingly, so is not uncommon they take their time to claim it," she said.And this will be a lot of money to handle. The winner can pick between a one-time cash option of 8 million, before taxes, or the full .5 billion, before taxes, paid in annuities over 29 years."We encourage the winner, whoever they are, to sign the back of their ticket, put it in a safe place and speak to someone they trust for guidance before claiming the money," Armstrong said.It's very likely the person who won will come forward, she said. But if not, the money will go to a great cause."The funds are returned to the states that sell Mega Millions tickets," Armstrong said. "In South Carolina, the unclaimed prize money goes into an unclaimed prize fund that supports education."Billions of dollars in lottery prizes each year go unclaimed, lottery expert Brett Jacobson said, but the big winners almost always collect their money. 2084

It's a common misconception that you can just "shave off" a bunion. Turns out, it's a deformity that needs to be realigned. Doctors are now able to lower the rate of recurrence with a surgery that's three dimensional.Jennifer Anderson is an avid runner, biker and hiker who doesn't like to be slowed down.“By the fall of last year, it got to the point where it was miserable to put running shoes on, hiking boots on, bike shoes,” said Anderson. “At that point, I was like, ‘I need to get this fixed.’”She noticed a bunion developing in her early 30s, but she didn't realize until much later that it was halting her stride.“When it started causing an issue with the things I like to do athletic-wise, running, I’ve always been a runner, I like to ride my bike inside and outside, hiking, so when it got to a point when I wasn’t enjoying that stuff anymore, I knew it was time to get it fixed,” said Anderson.She started doing some research and got overwhelmed with all the types and kinds of surgeries. There are 200 different types of bunion surgeries that exist, which make it difficult to pick the right kind that works best for each situation.“I was actually discouraged because before looking at the Lapiplasty, that point was huge to me,” she said. “I was like, ‘why would I go through having a surgery if it’s going to probably come back?’”Dr. Bharat Desai walked her through what Lapiplasty does and why it's successful."So, literally we’re fusing a joint that’s unstable back to a joint that’s stable. Once a fusion occurs, it won’t change.”The Denver based Orthopedic foot and ankle surgeon says 50 to 60% of bunions are genetic. They occur over time and they tend to be more common in women.“With current standards on fashion and such people want narrower feet, this is not much different than in Japan and the geishas when they bound feet to make them narrow,” said Desai.He says sometimes it causes pain in other areas.“When you have a bunion, it’s a physical change in the alignment your body has to manage that alignment change so it compensates, it can affect knee, ankle, foot and it can affect the ball of your feet as well,” he said.Desai says Lapiplasty is successful because it lessens the chance of a bunion coming back. It permanently addresses the deformity with a 3D fix for a 3D problem.A word of caution from the doctor though:“A bump could just be a spur. Not all bumps are bunions and not all bunions are bumps and so the best thing I would advise is if you’re having pain on the big toe, see a foot and ankle specialist, because they can help you differentiate what it is. It may not be a bunion.”As for Anderson, her recovery was easier than she thought it would be. She was able to walk shortly after surgery. By six weeks, she was in athletic shoes and by the four-month mark, she was back on her feet, back on the road, and back on the trails.3D surgery seeing huge success rate for those who suffer from bunionsIt's a common misconception that you can just "shave off" a bunion. Turns out, it's a deformity that needs to be realigned. Doctors are now able to lower the rate of recurrence with a surgery that's three dimensional.Jennifer Anderson is an avid runner, biker and hiker who doesn't like to be slowed down.“By the fall of last year, it got to the point where it was miserable to put running shoes on, hiking boots on, bike shoes,” said Anderson. “At that point, I was like, ‘I need to get this fixed.’”She noticed a bunion developing in her early 30s, but she didn't realize until much later that it was halting her stride.“When it started causing an issue with the things I like to do athletic-wise, running, I’ve always been a runner, I like to ride my bike inside and outside, hiking, so when it got to a point when I wasn’t enjoying that stuff anymore, I knew it was time to get it fixed,” said Anderson.She started doing some research and got overwhelmed with all the types and kinds of surgeries. There are 200 different types of bunion surgeries that exist, which make it difficult to pick the right kind that works best for each situation.“I was actually discouraged because before looking at the Lapiplasty, that point was huge to me,” she said. “I was like, ‘why would I go through having a surgery if it’s going to probably come back?’”Dr. Bharat Desai walked her through what Lapiplasty does and why it's successful."So, literally we’re fusing a joint that’s unstable back to a joint that’s stable. Once a fusion occurs, it won’t change.”The Denver based Orthopedic foot and ankle surgeon says 50 to 60% of bunions are genetic. They occur over time and they tend to be more common in women.“With current standards on fashion and such people want narrower feet, this is not much different than in Japan and the geishas when they bound feet to make them narrow,” said Desai.He says sometimes it causes pain in other areas.“When you have a bunion, it’s a physical change in the alignment your body has to manage that alignment change so it compensates, it can affect knee, ankle, foot and it can affect the ball of your feet as well,” he said.Desai says Lapiplasty is successful because it lessens the chance of a bunion coming back. It permanently addresses the deformity with a 3D fix for a 3D problem.A word of caution from the doctor though:“A bump could just be a spur. Not all bumps are bunions and not all bunions are bumps and so the best thing I would advise is if you’re having pain on the big toe, see a foot and ankle specialist, because they can help you differentiate what it is. It may not be a bunion.”As for Anderson, her recovery was easier than she thought it would be. She was able to walk shortly after surgery. By six weeks, she was in athletic shoes and by the four-month mark, she was back on her feet, back on the road, and back on the trails. 5829

It’s a tough time to do your banking if you prefer going to a branch. Hours have been cut at many locations, and social distancing guidelines mean bank lobbies are limiting traffic — assuming they are open at all.For customers who absolutely need to visit branches, banks are taking steps to prevent the spread of COVID-19. Sean Potter of Minneapolis, who blogs at My Money Wizard, saw these precautions during a recent meeting at his local bank. “It was awkward because I had an appointment with the relationship manager, and we still had to maintain 6 feet of distance even though we had to review the same documents together,” he says.Potter appreciates that the branch was trying to ensure his safety, but says he’s now considering other ways to bank. “From now on, it’s online or on the phone,” he says.Here are some ways you can bank without leaving home, along with safety tips if you do need to venture out to a brick-and-mortar branch.Explore online options“A lot of banking can be done with the click of a button,” says Brian Milton, head of retail banking at Union Bank. Union and most other banks and credit unions have robust websites and apps you can use for many banking tasks.Deposit checks. With mobile check deposit, you can snap a photo of a paper check and submit it online, via app or your bank’s secure website.Pay bills. With online bill pay, you can log in to your bank’s webpage and enter the name of the recipient and their contact information. Your bank handles the rest by making an electronic funds transfer or mailing a paper check.Apply for an account. Opening a new checking or savings account can be as easy as going to a bank’s website and submitting an online application. To apply, have your driver’s license and Social Security number handy to prove your identity.Sign documents. Some institutions use digital services such as DocuSign to prepare documents, including loan and account opening paperwork. They can be securely emailed to you, and you can sign them electronically by clicking highlighted prompts.Request payment assistance. Need some leeway with loan payments? Some banks are allowing customers to request arrangements online, including delaying due dates for bills, temporarily reducing monthly payments or asking for fee waivers.Or pick up the phoneKeep your bank’s customer service number nearby. You can use it to speak to a real person about account questions or issues.For example, some banks have announced that customers can call and request to waive non-sufficient funds fees, overdraft fees and monthly service charges.But keep this in mind: If you’re faced with steep fees, it may be better to simply switch to a cheaper bank. Online-only institutions, for example, tend to have low or no monthly service fees, and some offer toll-free customer service numbers staffed 24 hours a day, seven days a week. To learn more, read our primer on online banks.Bank safely at a branchIf you still need to visit a bank branch, here are some ways to protect yourself.Get it on the calendar. “Before you visit your local branch, it’s a good idea to call ahead and schedule an appointment,” Milton says. He adds that doing so helps branches manage occupancy and social distancing requirements.Calling ahead can also help the bank make sure it has a staffer on hand who can help you with a specialized transaction or request, he says.Consider drive-up services. Some banks have drive-up lanes where customers can receive the same services offered inside a branch, such as making cash deposits and withdrawals, and getting money orders, all at a safe distance from other people. You could also withdraw cash from an on-site ATM without the need to interact with a teller.Bring your protective gear. Since you’ll be touching screens, door handles and other public surfaces, consider bringing hand sanitizer or wearing gloves. If you do need to step inside a lobby, you may also be asked to wear a mask for everyone’s protection.Accept the changes. Steve Turner, a publicist in Chesterfield, Missouri, says he visits his local branch a few times a month to make business deposits. “There are signs on the floor showing where people should stand to keep their distance,” he says. Turner has also noticed there’s less small talk with the tellers, and reasons it’s because everyone is wearing a mask. He believes these changes will remain for a while. “It was odd at first, but now it seems like a new normal,” he says.More From NerdWallet3 Ways to Skip Your Bank’s Long Phone LinesLooking for Safer Ways to Pay? Go ContactlessIs My Money Safe in a Bank During the COVID-19 Crisis?Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4731

Is getting a new job on the top of your holiday wish list this year? Well, experts say, December is actually one of the best times to look for a job."We’re hearing from many hiring managers that they will still be working to fill their positions over the next couple of weeks," said Robert Half senior regional president Karen Policastro.Policastro says now is as good a time as any to put yourself out there, especially in this highly-competitive job market."Make sure you are extremely active over the holidays because many hiring and decision makers want to be able to have their staff filled and complete and hit the ground running come January," said Policastro.And now, nine months into the pandemic, the job fields that are hiring are a little different."We’ve seen an influx in accounts payable clerks, collections clerks, HR positions. Surprisingly, we have a lot of human resource positions come through," said Policastro.She says with so many people working from home, help desk positions and customer service positions are also in high demand."Companies have had to shift and be extremely flexible due to the pandemic. And these positions have definitely become more in demand," said Policastro.And if you’re one of the millions of service industry workers who have lost their jobs or have had your hours cut, these could potentially be great jobs."If you’ve been in the restaurant industry, you definitely have customer service skills. So, cater your resume and/or online profile, cover letter, to really highlight the customer experience that you were able to provide," said Policastro.Policastro also says a lot of companies are looking to hire temporary or contract positions, especially while they're remote. So, think about those options as well. A lot of places are posting job openings on sites like LinkedIn. Make sure your profile is up to date and says, "Available Immediately". 1909

INDIANAPOLIS -- Vice President Mike Pence took to social media to celebrate the NFL's new policy that requires players to stand during the national anthem during games. The new policy, announced Wednesday, comes after months of controversy that started with silent protests by then-San-Francisco 49ers quarterback Colin Kaepernick, who said he was kneeling during the anthem to draw attention to injustice.After Kaepernick's protest, NFL players across the nation began to follow suit which later drew the ire of President Donald Trump, who in 2017 said players' kneeling showed "total disrespect for our great country."Pence expressed his feelings about the decision on Twitter with the hashtag #Winning along with a CNN story calling the new policy a "Victory for President Trump". 826

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