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Tacked onto the coronavirus stimulus bill is new legislation tackling one of the most controversial practices in health care – surprise medical bills.That's when you go to the hospital or have an elective procedure and then later find out some of the doctors or facilities were out of network, meaning you could owe tens or hundreds of thousands of dollars.The most impactful part about the legislation is that patients would no longer get those surprise out-of-network bills for emergency care or for a planned procedure. They will instead be billed an in-network rate.Out-of-network providers would have to give patients a heads up on estimated charges, at least three days.Air ambulance companies would also not be able to charge more than in-network costs. Ground ambulances were not included.Insurance and providers have to go to arbitration to work out the final payment. It's a complex solution advocates say could end up costing Americans more in the long run.“So, a mediation process that some states have put in place, but research has shown that it increases the likelihood that consumers face higher premium costs on the back end,” said Clare Krusing with the Coalition Against Surprise Medical Billing.That Coalition had been pushing for policies that, in their simplest form, would have essentially made in and out-of-network rates the same. Savings that in-part would have funded community health centers.“Not only is that approach the cleanest way of dealing with this, but it also saves the patients and taxpayers the most money, who are going to save billion over 10 years.The group plans to continue to push for more terms around that arbitration process to prevent abuse, driving up costs.None of the new surprise medical bill legislation takes effect until January 2022. 1803

The addition of a "notorious" galactic cantina will bring not only smugglers and bounty hunters to Disneyland in 2019, but also alcohol sales for the first time.Disneyland's "Star Wars: Galaxy's Edge" will be home to Oga's Cantina, an "otherworldy" stop for music and exotic concoctions, park officials announced Thursday.Among the cantina's limited menu options will be wine, beer, and both non-alcoholic and alcoholic cocktails, according to Disney officials. Officials added that those drinks will need to consumed inside the cantina — so no running around at light speed with a drink.Menu options for kids and those under 21 will also be available, officials promised.The "Star Wars" inspired cocktails mark the first time alcohol will be publicly sold at the park since it opened in 1955.Alcohol sales are already allowed at Disneyland's California Adventure Park and Downtown Disney. The only other area inside Disneyland where alcohol is served is inside the park’s secretive private Club 33.Oga's Cantina sits in what Disney officials are calling the Black Spire Outpost on planet Batuu. Guests will experience a classic "Star Wars" atmosphere, with music provided by a droid from the park's former Star Tours attraction, an array of characters, and more."With a history of being a smugglers’ safe haven and a popular stopping point for those seeking to avoid the authorities, you can bet that the cantina has a story or two to tell," park officials wrote.Disneyland is moving the new Star Wars land into a portion of the park's "Frontierland." The area will also include new attractions in a completely themed experience."Star Wars: Galaxy's Edge" is set to open at Disneyland Resort in summer 2019 and at Disney World in late fall 2019. 1829

Supreme Court nominee Amy Coney Barrett served for nearly three years on the board of private Christian schools that effectively barred admission to children of same-sex parents and made it plain that openly gay and lesbian teachers weren't welcome in the classroom.The policies that discriminated against LGBTQ people and their children were in place for years at Trinity Schools Inc., which has schools in Indiana, Minnesota and Virginia.The schools are affiliated with the insular community People of Praise that has its roots in its own interpretation of the Bible. Both Barrett and her husband are longtime members of the group, and at least three of their children attended the Trinity School at Greenlawn, in South Bend, Indiana.The Associated Press spoke with more than two dozen people who said the community's teachings have been consistent for decades, holding that homosexuality is an abomination against God, sex should occur only within marriage, and marriage should only be between a man and a woman."Trinity Schools does not unlawfully discriminate with respect to race, color, gender, national origin, age, disability, or other legally protected classifications under applicable law, with respect to the administration of its programs," Trinity Schools, Inc. President Jon Balsbaugh, said an email to The Associated Press.A man who was a student at the time Barrett served as a trustee told The Associated Press that he was directed to tell gay parents of prospective students that they would not be welcome at the school while giving tours. Prior to Barrett's arrival on the board, the school voted to limit admissions to children of legal y married couples of single parents. At the time of the decision, gay marriage had not been legalized.During her confirmation hearings last week, Barrett was questioned about her views on protections for LGBTQ+ individuals. While she attempted to sidestep most answers on policy questions — as is precedent in Supreme Court confirmation hearings — Barrett did use the term "sexual preference" while telling lawmakers that she found discrimination against gay people "abhorrent."Generally thought to be outdated, "sexual preference" is deemed as offensive by "GLAAD" because it implies that a person's sexuality is a "choice" that can be "cured." Barrett later apologized for using the term when confronted by Sen. Mazie Hirono, D-Hawaii. 2403

Tens of thousands of people turn to Google every month to see if now is the time to invest. It’s a loaded question, especially this year: In late February 2020, the S&P 500 began a monthlong decline, finding what investors hope was the pandemic floor on March 23.Historically, it has taken an average of about two years for the market to recover from a crash; this time, it bounced back in just 149 days. By the end of August, the index was once again hitting record highs.Stranger still, this unprecedented recovery came amid dour headlines, with U.S. unemployment hitting an all-time high in April and remaining above 10% through July.Between the stock market’s erratic behavior and economic uncertainty across the globe, investors are understandably wary. But that shouldn’t mean sitting out of the market.Understanding the Main Street-Wall Street disparityThe market’s recovery is clearly at odds with the U.S. economy. But a closer look shows this imbalance may not be as perplexing as it seems.The stock market reflects investor sentiment about the future, not what’s happening right now. While retail investors may be more inclined to buy and sell based on daily headlines, institutional investors are looking far ahead. And given the rapid market recovery (and the expectation of continued help from the Federal Reserve), it appears Wall Street isn’t spooked.The S&P 500 is also market cap-weighted, meaning larger companies will have a bigger impact on its performance (see how the S&P 500 works to learn more about this). The five largest companies in the index (Apple, Microsoft, Amazon, Facebook and Google’s parent company Alphabet) are in tech, an industry that hasn’t been hit as hard by COVID-19. The tech-driven recovery helped push the S&P 500 to its record high, despite the ongoing economic issues caused by the pandemic.And then there are the high hopes for an eventual vaccine. According to Robert M. Wyrick Jr., managing member and chief investment officer of Post Oak Private Wealth Advisors in Houston, investors may be betting on the belief that a coronavirus vaccine will be produced sooner rather than later. If and when a viable vaccine is broadly available, it’s likely to be a big driver of continued growth in the markets.“While this is likely already priced into the market to some degree, I would prefer not to be on the sidelines when this ultimately happens,” says Wyrick, whose firm specializes in advanced risk-managed investing.Timing the market vs. time in the marketAccording to Marguerita Cheng, a certified financial planner and CEO of Blue Ocean Global Wealth in Gaithersburg, Maryland, when you start investing isn’t as important as how long you stay invested. And that’s a maxim to remember in a pandemic, too.“The best way to build wealth is to stay invested, but I know that can be challenging,” Cheng says in an email interview.It’s easier if you invest only for long-term goals. Don’t invest money you may need in the next five years, as it’s highly possible the stock or mutual fund you purchase will drop in value in the short term. If you need those funds for a large purchase or emergency, you may have to sell your investment before it has a chance to bounce back, resulting in a loss.But if you’re investing for the long term, those short-term drops aren’t of much concern to you. It’s the compounding gains over time that will help you hit your retirement or long-term financial goals. (See how compounding gains work with this investment calculator.)The water’s fine, but wade in slowlyOne of the best strategies to remain calm and stay invested during periods of volatility is a technique known as dollar-cost averaging.Through this approach, you invest a specific dollar amount at regular intervals, say once or twice a month, rather than trying to time the market. In doing so, you’re buying in at various prices that, in theory, average out over time.Wyrick notes this is also an excellent strategy for first-time investors looking to enter the market during times of uncertainty.“It’s very difficult to time when to get into the market, and so there’s no time like the present,” Wyrick says. “I wouldn’t go all-in at once, but I think waiting around to see what happens to the economy or what happens to the market in the next three, six or nine months in most cases ends up being a fool’s errand.”So how, exactly, do you start dollar-cost averaging into the market? A common strategy is to pair this with stock funds, such as exchange-traded funds. ETFs bundle many different stocks together, letting you get exposure to all of them through a single investment. For example, if you were to invest in an S&P 500 ETF, you would have a stake in every company listed in the index. Rather than investing all your money in a few individual stocks, ETFs help you quickly build a well-diversified portfolio.To dollar-cost average you could set up automatic monthly (or weekly, or biweekly) investments into an ETF through your online brokerage account or retirement account. Through this approach, you would achieve the benefits of dollar-cost averaging and diversification, all through a hands-off strategy designed for building long-term wealth.More From NerdWallet5 Things to Know About Gold’s Record-Breaking RunNew Investors: Quit Stock-Picking and Do This, Expert Says6 Ways Your Investments Can Fund Racial JusticeChris Davis is a writer at NerdWallet. Email: cdavis@nerdwallet.com.The article In a Year of Uncertainty, Should You Still Buy Stocks? originally appeared on NerdWallet. 5570

SYRACUSE, New York — It’s training many teachers have never seen, and it’s designed to let staff feel what it might be like to have a school shooter attacking.These teachers are physically learning to team up and do battle with a shooter, and they are being taught to focus on a shooter's hands.Teacher’s aid Melissa Demjanenko used tennis balls to train in place of staplers, tape dispensers or chairs she would really use to defend her classroom."I think of myself as not a powerful person. ... What can I do to stop something? Now I know I can do something. Now I know everyone in this room can do something," Demjanenko said.The training considers the idea that when people are in the most stressful situation of their lives, and they think they're just going to react a certain way ... they recognize they won't, Sheriff’s Deputy Tom Czyz said.People need muscle memory, and to get that, a person needs to have gone through similar stress, he said.Czyz started the training company Armored One.He says running to safety is your best bet, then hide if you can’t run.Along with other current and former law enforcement he teaches teachers lessons that go beyond the classroom and beyond the school lessons we can all use if running or hiding aren’t an option.“Your game plan of what you will do in case something happens: I hear gunshots behind me in front of me next to me. Which way am I going? What am I doing if I have to fight back.? What am I going to use for weapons? ... Literally in a few seconds."Everywhere you go you can have these plans already and it could save your life," Czyz said.We asked if he does that in every building he goes into. “Absolutely.”Police officers regularly train at the gun range; flight attendants on the airplane train for weeks to help people get out alive. This is why some school districts have decided teachers also need to train physically — to protect students.Before this training, in a mock active shooter drill — teachers reacted painfully slow, taking more than 30 seconds to exit the room.Czyz was brutally honest.“If my own kids were in here, I would be disgusted with you. Pretend like your own kids are in here, right?" he said.Czyz's team demonstrated how to barricade a door and use other things around to block and protect one's self. The taechers then tried again.There was a huge difference after the training — teachers cleared the room in around 10 seconds.The sheriff's department says it works hard to make sure the teachers are in their space, so training is done in the school where the teachers actually work. They get first-hand experience in their building.Planning ahead and practicing is what these teachers say now gives them the confidence to wage war against an attacker if they have no other choice. 2858

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