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CVS hears the Amazon footsteps -- and the pharmacy giant is wasting no time trying to get ahead of any Jeff Bezos plan to disrupt the drug store business the way that he has the rest of retail.CVS said Monday that it plans to offer next day delivery of prescription drugs nationwide in 2018. In some urban markets, CVS will even deliver on the same day.A program to deliver both medications and a select offering of other CVS products from the front of the store will begin in Manhattan on December 4.CVS CEO Larry Merlo made the announcements during the company's earnings conference call with analysts.The news comes just a few weeks after reports surfaced that Amazon had received wholesale pharmacy licenses in a dozen states.That move would potentially allow Amazon to sell prescription medications online.The speculation caused the shares of CVS and rival Walgreens to fall, as did pharmacy benefits manager company Express Scripts, a competitor of the CVS-owned PBM Caremark.The stocks of drug distributors Cardinal Health, AmerisourceBergen and McKesson all fell too.This is because investors are worried that Amazon, which is already changing the dynamics of the grocery business thanks to its acquisition of Whole Foods, may look to do the same for drug stores.But Merlo said during the call with analysts Monday that he still sees Amazon as more of a potential ally than threat."You would never close the door on any type of partnership," Merlo said, when asked by an analyst about possibly working with Amazon.Still, CVS seems to recognize that the health care landscape is changing rapidly, and it needs to adjust. There have even been recent rumors that CVS may look to buy health insurer Aetna.Aetna scrapped plans to merge with rival Humana earlier this year due to intense regulatory scrutiny. Another insurer merger proposed by Anthem and Cigna died as well.Since then, the lines between health insurers and the pharmacy giants have grown increasingly blurred and incestuous.Anthem recently started up its own PBM, called IngenioRX, and has partnered with CVS.And Walgreens has partnered with a Blue Cross-backed PBM Prime Therapeutics to form a new mail order pharmacy company.Merlo and other CVS executives did not address any of the Aetna chatter on the conference call.But if the rumors are true -- and if an Aetna deal passed antitrust scrutiny -- then CVS appears to be on its way towards building a formidable health care/retail giant that may avoid getting Amazon-ed.  2507

CLEVELAND — Who’s been at a store buying holiday gifts and then the cashier asks, “do you want to sign up for our credit card today?” They might offer a discount or something else, but should you sign on the dotted line?“They make it easy. They really make it easy,” Leanne Smith said.Smith is from Solon and knows how stores can tempt you with their credit cards, but she’s sticking to her Target Red Card for now.“I don’t think it’s a responsible thing for me to have one at every store,” she said.Tedd Rossman from CreditCards.com said that if you ever plan on carrying a balance, store cards aren’t going to be the best option for you.“While sometimes these store cards can work for you, most of the time, they’re not the most consumer-friendly option,” Rossman said.That’s because Rossman says the average store credit card has an interest rate of 25%, some as high as 29.99% such as Discount Tire, Big Lots and jewelry store cards like Kay Jewelers.“These cards are not as selective about credit quality, which is why the retailers and their bank partners say they have to charge such high-interest rates,” Rossman said.CreditCardInsider.com recently rated various popular store cards based on various things like interest rates.Here are those results:Target - 24.4%Old navy - almost 26% (25.99%)Walmart - roughly 18-27% (17.99%-26.99%) interestNathan Grant from CreditCardInsider.com said you shouldn’t just sign-up at the checkout on a whim even if there’s a discount offered or cashback incentives.“The percentage of interest you’re paying might end up calculating to be more than what you got from spending on the cards,” Grant said.According to Grant, some of the better retailer cards are:Amazon prime cards with lower interest rates—5% back on Amazon purchases and gift cards when you sign up. Target—higher interest rate, but 5% back. And the only one rated excellent is Costco’s card, which has a 15% rate and various cash back options and good rewards on gas purchases.But keep this in mind: In a survey of nearly 3,000 shoppers nationwide, more than 40% said they regretted signing up for a retail credit card. Plus, one out of five in the survey said they carried a balance from the last holiday season, and more than 50% said they’ve paid interest on a retail store card.“That’s kind of like a wake-up call even to myself to be like I got to make sure that I’m always smartly shopping if I’m using credit cards,” Grant said.For Smith, she said she’s only carried a balance a couple of times in the past 20 years because she knows “if you can’t pay it, you really shouldn’t buy it just because you have a credit card.”Retail credit cards can give you benefits especially if you’re loyal to the business. It could help you build credit, but you’ll want to pay off your balances every month and spend responsibly.And another thing to watch out for is deferred interest. Even if you owe just one dollar by the time the term ends, you could end up paying interest on the entire amount you initially financed.This story originally reported by Jonathan Walsh on News5Cleveland.com 3102

CORONADO (CNS) - The City of Coronado and The Port of San Diego closed the Grand Caribe Shoreline Park Thursday until further notice, citing public health orders during the ongoing pandemic.The port had reopened the park in May, but because of heavier-than-usual use at the park -- which abuts Chula Vista on the bayside of the Coronado Cays -- it has become challenging to enforce social distancing for visitors."However, due to heavier than normal use, enforcement of the State and County’s health orders, which requires measures to ensure park visitors are social distancing from others, has become a challenge," a release from the port read.The park will be closed until gatherings are allowed without restrictions. "Closed" signs will be posted at the park, and the Coronado Police Department will assist the port with enforcement of the closure. 859

Country singer Tim McGraw collapsed on stage during a performance in Ireland on Sunday, Rolling Stone reports.McGraw, 50, reportedly dropped to his knees after finishing a song and sat down.McGraw's wife, singer Faith Hill, later addressed the crowd and explained that he was suffering from dehydration.McGraw was performing at the Country to Country Music Festival in Dublin, a multiple day festival that features sets in various locations throughout the United Kingdom."He's been super dehydrated," Hill said to the crowd, according to social media posts. "I apologize. I made the decision that he cannot come back out.  635

CLEVELAND — As we’ve seen throughout this pandemic, people on both sides of the mask debate are passionate about where they stand.“It’s very sad that this has become a political issue,” said Sharona Hoffman, a professor of Law and Bioethics at Case Western Reserve University.On Wednesday night, an order from Governor Mike DeWine will take effect, requiring masks in public settings in parts of Ohio, including Ohio's three largest cities of Cleveland, Columbus and Cincinnati. Ohio, unlike a number of other states, does not have a statewide mandate on wearing masks. The move sparked increased chatter around the claim that these mandates infringe on the rights of Americans.“This shouldn’t be about people’s liberties,” said Hoffman.Government mandates are nothing new.“We have to pay taxes, we have to abide by the speed limit,” said Hoffman.During this pandemic, regulations requiring masks are no different and totally appropriate, according to Hoffman.“This type of regulation is legal, constitutional and very, very sensible,” said Hoffman.One of the main responsibilities of elected officials is to ensure the health and safety of those they serve.“It wouldn’t make sense to even have a government if their hands were tied and they couldn’t take these measures,” said Hoffman.Hoffman said people should be willing to mask-up on their own and not be told to do so.“This should be something that people are very willing to do not only to protect themselves but also to protect other people,” said Hoffman. Others expressed concerns about having to wear a mask out in their yard or walking from their car into a store.“You do have to wear it outside if you cannot consistently stay 6-feet away from other people,” said Hoffman. 1742