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If it's been a while since you've booked a flight, travel insurance is that thing that pops up at the end of a sale.“At the end, they’re going to say, ‘Hey, this many people bought travel insurance, don’t you want to buy travel insurance too?’ And I think a lot of people generally, before COVID, would think, ‘Oh they’re trying to upset me and move along,’” said Michael Parrish DuDell, chief strategy officer for Couponfollow.com. “But what we’re seeing, in fact, is that more and more people are saying, ‘I want that insurance I want to protect my future travel.’"Couponfollow.com was designed, DuDell said, to save consumers both time and money. He says the company is always asking consumers about their money and how they spend it.“As we looked closer at how people are traveling, where they were spending their money, where they were allocating their time, we found these little niche interesting areas,” DuDell said.He says those areas include things like travel insurance.“What we found is that 75% of people who had already booked flights had purchased trip insurance. That was a staggering number that is a 55% increase than what is thought of as the norm,” DuDell said.So, why the increase? Travel anxiety amid the pandemic is likely a big part of it.“There is so much uncertainty in the world right now, and of course that’s around the pandemic, but there’s other kinds of uncertainty too and I think people feel like they’re taking a strong risk in general when they’re traveling,” DuDell said. "So if they can mitigate risk in other areas, they’re willing to do that, to spend the money behind it.”Leslie Tayne, a financial attorney, author and frequent flier said, “There are a lot of caveats to whether travel insurance for airline purposes makes sense right now and frankly because the airlines allow you to make changes without a cost and last minute, there’s really almost no reason why you would get travel insurance.”She says these days, airlines are more accommodating than ever. And because there's been so much industry disruption surrounding travel, the future is being rewritten now.“I definitely believe they’re going to rewrite the travel insurance, they’re being investigated right now,” Tayne said. “It's being taken up in Congress in terms of the validity of the travel insurance and there’s some concern that travel insurance might be what’s termed either a ‘scam’ or a ‘money-making proposition’ that’s not really beneficial to the consumer.”In March, the House Oversight and Reform Subcommittee on Economic and Consumer Policy launched an investigation into whether travel insurance provided any “meaningful protection” for consumers. The investigation was spurred amid the onset of the coronavirus pandemic, when many travelers were canceling trips as states began implementing stay-at-home orders.“The evidence shows consumers are purchasing standard travel insurance products, thinking they will be covered if they cancel their trip because of coronavirus,” Rep. Raja Krishnamoorthi (D-IL), the subcommittee’s chair, said in March. “Yet, companies like Allianz, Travel Guard, and Generali are refusing to cover those claims. In the process they are encouraging dangerous travel.”So, when it comes to whether you "need" that insurance, Tayne says weigh your risks, consider where you're going and what you'll be doing.“My recommendation is to try to understand what the restrictions are and what you could use the insurance for when would it apply to you,” Tayne said.Tayne said if you're in a situation where it makes sense, don't make an insurance decision on emotion. Think of it as a business decision, and these days, we're all in the business of saving time and money. 3719

House Speaker Nancy Pelosi said Thursday that she's still hopeful lawmakers can reach an agreement on another COVID-19 stimulus bill, though Democrats and Republicans remain far apart in certain areas.Pelosi said Thursday that Democrats and Republicans still remain far apart when it comes to additional unemployment funding, as well as more funding for local and state governments.When asked if she believed this was the last chance to strike a stimulus deal ahead of Election Day, Pelosi said she would continue to hold out hope that Congress could reach a deal all the way up to election day.Pelosi's comments come the day that billions of dollars in stimulus funding provided through the CARES Act for the airline industry expired. American Airlines said Wednesday that it would go ahead with the furlough of nearly 20,000 pilots, and other airlines say massive layoffs are coming.There is reportedly bipartisan support to extend more funding for the airline industry, but Democrats are hoping to roll those benefits into a more extensive bill.White House press secretary Kayleigh McEnany blamed Pelosi for airline furloughs and layoffs during a briefing on Thursday, claiming that she wasn't "being serious" in her negotiations. 1241

In a year filled with uncertainty and anxiety for students across the country, the students at James Faulkner Elementary School have found safety and solitude, not inside their small southern New Hampshire schoolhouse, but in the woods behind it.As COVID-19 cases spiked across the country and school districts agonized over whether to send kids back to in-person learning, students and teachers in this picturesque New England town decided to move classes outdoors. Now, three months into the school year, there’s talk of making these newly constructed outdoor classrooms a permanent fixture for kids, pandemic or not.“We’ve experienced this and seen that we can make it work,” explained elementary school teacher Jacquie Cornwell. “There’s been discussions about whether this is something we want to continue doing. It’s just been such a positive experience for our kids.”Cornwell, 34, has been teaching for nearly a decade. Going into this school year, she was incredibly concerned about her own safety and the safety of her students. Stoddard is home to just over 1,200 people, and the small school building here doesn’t lend itself to much social distancing. So, as the school year began, students here started constructing two “base camps” in the woods behind the school. Each morning, students pack up their books, pencils and snacks and head outside.They even petitioned the town of Alderman to use some of the land that isn’t technically on school property.Now, dozens of kids spent three to four hours a day learning outside. On a recent afternoon this fall, Mother Nature had painted their classroom walls in vibrant orange hues, as the maple trees that surround the property here prepared to shed their leaves for the winter.All of it has helped to foster a learning environment that Cornwell says has been free of stress and anxiety. Something hard to come by during a pandemic.“I’ve noticed that on days when we are outside, negative behaviors really seem to much less than when we are indoors,” she said.Looking around at her students scattered on small wooden benches around the woods, Cornwell can’t help but reflect on how surprised she’s been at how well this school year has turned out.“It’s really turned something that could’ve made this year horrible, sitting in desks, facing forward, not playing with friends, into one of the best years I’ve had in my nine years of teaching,” she said.The New Hampshire air is plentiful out here, which minimizes concerns about ventilation and COVID-19 lingering in the air. There hasn't been a single case of COVID-19 reported here this year. With the risk of spreading COVID lower outdoors, students can even take off their masks sometimes when having snacks or reading in socially-distanced groups.It’s brought on a sense of normalcy for these students, something they’ve longed for since the spring.“The woods have all kinds of sounds, the birds, the planes going by. It makes it feel normal,” said 10-year-old student Brie Bell.Bell and her classmates have taken pride in this outdoor space they've built by hand. They've hung hammocks for reading time and even built a fire pit for the colder months. With coronavirus cases spiking across the country, students here seem genuinely invested in keeping this concept going as long as it means they get to continue in-person learning.“I feel like they’re having these impactful experiences they’re going to carry with them for the rest of their lives,” Cornwell said. 3486

Immediately following President Donald Trump’s decision to drop negotiations with House Democrats on a new stimulus deal, stocks dropped on Tuesday.The Dow Jones Industrial Average, which was up several hundred points earlier in the day, closed down 375 points following the announcement.The markets, which spent much of the summer rebounding after a sudden drop in value in March, have remained stagnant in recent weeks. In early September, the Dow Jones reached 29,000 points for the first since February. It appeared the Dow Jones Industrial Average was on its way to returning to pre-pandemic levels. But the Dow dropped in September, and closed at 27,772 on Tuesday.Trump said that he will not resume negotiations with House Democrats until after next month’s election, which is four weeks from today.Late last month, House Democrats passed a .2 trillion stimulus plan despite knowing it would not be entertained by the US Senate. The proposal still costs more than the White House has said it would like, but is down from the .4 trillion stimulus plan House Democrats passed back in May.In addition to another set of ,200 direct payments to millions of Americans, House Democrats propose using 5 million for education, more funding for the struggling airline industry, and 6 million for local governments. The set of proposals would also include a 0 per week unemployment supplement, which expired at the end of July. 1446

Hurricane Michael's trail of devastation now stretches from the Florida Panhandle, where it wiped out one coastal city and left others swimming in debris, to the Carolinas, where Michael weakened to tropical storm status but still triggered flash floods that turned roads into rivers.Six people are dead in the storm's path, and authorities fear the toll could climb higher as search-and-rescue efforts continue. The dead include four people in Florida, a child in Georgia and a man in North Carolina.PHOTOS: Hurricane Michael damageSo far, Coast Guard crews in Florida have rescued 40 people and assisted 232.Conditions remain precarious in hard hit areas, especially Mexico Beach, Florida, which Michael left in ruins. A councilwoman from there issued an urgent plea to anyone thinking of returning."Please don't come down," Linda Albrecht said. "The more people that return, it's just going to get in the way." 921

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