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With no new stimulus bill, many Americans are approaching a financial cliff. Their unemployment benef

When traveling to many places, it’s required to quarantine or get tested for COVID-19 before and after you arrive.Starting Thursday, Iceland is going to let visitors skip all of that if they prove they've had COVID-19 and recovered. But for now, travel from the U.S. to the country still isn't allowed.So, are these so-called immunity passports a good idea?Dr. Ania Wajnberg at Mount Sinai has been studying COVID-19 antibodies since March. Her team has tested more than 80,000 people in the New York area, and they’ve found the majority of people who had COVID-19 form moderate or high levels of antibodies.“Since March and April, almost everybody has maintained their level of antibodies. We do see a slight decrease, but overall, they've maintained their antibody levels,” said Wajnberg.But it's not entirely clear how long immunity does last and how good the protection against COVID-19 is.Wajnberg says we also don't have a lot of data on whether people who have antibodies could still possibly carry enough of the virus that they could spread it.The World Health Organization has advised against immunity passports. It says there's not enough evidence of immunity from antibodies alone.“I think given that we know that many or most people likely have some protection, this is not an unreasonable way to begin to open up society in a safer way than just throwing open the doors and hoping for the best,” said Wajnberg.Iceland's chief epidemiologist says he doesn't think it's fair to people who've had COVID-19, that they shouldn't be allowed to travel freely afterward.Critics of immunity passports warn they could potentially reward reckless people who become infected after ignoring COVID-19 rules or take away more of our medical privacy. 1755

When it comes to Olympic tickets, the Latin expression “caveat emptor” often applies: “Let the buyer beware.”The unprecedented postponement of the Tokyo Olympics has left buyers of millions of tickets in a quandary. Will the games happen next year? Will non-Japanese fans be allowed? Will there be any fans? How will health and travel restrictions be applied? Will there be a vaccine and quarantines?Tokyo organizers and the International Olympic Committee say the games will open on July 23, 2021, and the competition schedule remains virtually unchanged. But they’ve offered few details, and specifics aren’t expected until the fall and into next year as the COVID-19 pandemic evolves.“We have some people saying there is no way Tokyo 2020 is happening, and other people are saying it’s absolutely going to happen and ‘I’m going to be there for every moment of it,’” said Ken Hanscom, the chief operating officer of the Los Angeles-based firm TicketManager.Hanscom isn’t connected with Olympic ticketing, but his company manages big-event tickets for corporate clients. He’s also organized a popular Facebook page that’s a go-to for Tokyo ticket information.Olympic ticketing is always confusing, a maze of interests including official ticket resellers, national Olympic committees and sports federations, sponsors and advertisers, and local organizers and the IOC.Invariably at every Olympics, an event is listed as “sold out” although the venue is half-filled because some VIPs or hospitality guests haven’t shown up.Four years ago in Rio de Janeiro, IOC member Patrick Hickey of Ireland was arrested for scalping tickets. He has maintained his innocence. Japan has passed an anti-scalping law specifically because of the games, though it has several loopholes.The Chinese e-commerce, data and technology company Alibaba is taking over ticketing for the 2022 Beijing Winter Olympics, and likely beyond. Alibaba owns Damai, one of China’s largest ticketing platforms, and is also an IOC sponsor.Olympic tickets for residents of Japan were sold through the local organizing committee. It says refunds for the postponement “will be carried out” no earlier than this fall. This seems straightforward.It’s more complicated for non-Japan residents.Those outside Japan purchase through so-called Authorized Ticket Resellers appointed by national Olympic committees. They can charge a 20% handling fee on tickets, and are allowed to package desirable tickets with premium hotel packages. They also set the foreign currency exchange rates.In Brazil four years ago, CoSport, the ATR for the United States, used a currency exchange rate that drove up ticket prices.There are dozens of ATRs, and they’ve applied varied terms, conditions and deadlines for seeking refunds. The largest ATRs are: CoSport/Jet Set Sports, the only ATR for the United States; Cartan, which covers much of Latin America; MATCH Hospitality for Brazil and Russia; Kingdom Sports for much of Asia and Africa; Fanatic Sports for India.Christopher Chase, an attorney based in New York who specializes in sports, intellectual property and media, looked at the “Terms and Conditions” set out by Tokyo organizers regarding ticket use. He said the “force majeure” clause was defined broadly enough to cover the pandemic and health crisis.“Force majeure” spells out unforeseeable circumstances that prevents a contract from being fulfilled.But he noted that local organizers had already committed to paying refunds for the postponement, as have many ATRs.“It’s all a bit confusing as each set of terms seem to direct to the other party’s (terms),” wrote Chase, a partner in the law firm Frankfurt Kurnit. “But it does appear that tickets refunds are possible, regardless of whether a force majeure event occurs.”Tokyo organizers say at least 70% of 7.8 million tickets were set aside for buyers in Japan. About 4.5 million tickets have been sold to Japan residents, with ticket sales expected to be worth at least 0 million to local organizers, their third largest source of income.Hanscom said the uncertainty was pushing down hotel prices in Tokyo. This is accentuated as organizers say they’ll “simplify” the Olympics and cut back on officials, hospitality and media, freeing up blocks of hotel rooms.The Associated Press emailed about a dozen ticket buyers in the United States who purchased from CoSport. Some are keeping their tickets and plan to go. Some returned tickets but still plan to go and buy later. Others canceled plans to go altogether.Andrew Pham, a commodities trader in Spokane, Washington, summed it up. He has invested ,500 in tickets and still plans to go.“I would say at this point, no one should be buying or holding any tickets that they couldn’t afford to lose,” he said.Pham said he assumes that CoSport will be unlikely to return money if the Olympics are canceled.“I couldn’t imagine that they would have the cash liquid to refund people. The terms and conditions are also quite ominous,” he said.Sharon delPilar, a stage manager in Las Vegas, is also going ahead and has spent 0 on tickets.“I’m willing to run the risk — to a certain degree,” she wrote. “Everything else I have purchased (hotel and air) has been made with the option of refunds/cancellation. I trust all efforts will be made to work things out.”Thomas Armbrustmacher, an accountant in Fowler, Michigan, said he has invested almost ,000 in tickets and is also taking a chance.“I am willing to take the risk that I will not get a ticket refund,” he wrote. “I am being cautious on what I buy from here on out though because if cancellation results in no refund, I don’t want to lose too much more money than I have already spent.”Brandon Nagata, a state employee in Honolulu, said he spent about ,400 on tickets and had returned some for a credit card refund, minus the non-refundable service fee. He returned other tickets in exchange for credit for a next-time buy. No service charge was taken out. He still plans to attend.He was critical of CoSport setting the refund deadline on July 31 — a year away from the opening. He said CoSport also did not make the deadline widely known.Lora Cesana, who works as a film and television designer in Des Moines, Iowa, returned about ,000 in tickets. She said she and her husband, who also has an Italian passport, decided this was not the right time for an Olympics. They both are former New York City residents.“We witnessed friends and family in Milan and New York go through this crisis,” she wrote. “It was clear to us that it was not the right time to travel to Japan for a large gathering such as the Olympics.”___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports 6720

Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647

Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701