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This is it. The final vote in our ?? hunt for the most ‘2020’ emoji. Your choices: The Raised Fist, used to represent the #BlackLivesMattter movement, and the Microbe, primarily used in reference to Coronavirus. #Most2020Emoji ??— World Emoji Awards ?????? (@EmojiAwards) July 16, 2020 293

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.What is coveredCoronavirus coverage falls into several categories:Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.Trip delay: Your trip is delayed due to changing COVID-related guidelines.Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.Of providers that are offering COVID policies, most are covering these expenses.What is not coveredCountries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the countrydoes not have a Level 4 advisory.Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade, which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you’re interested in this add-on.COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.Finding travel insurers covering COVID-19Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, travelers’ ages and other various details. Travel insurance comparison site Squaremouth is one of the very few comparison sites that allow you to filter by policies that offer coronavirus coverage.To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”In our example, we will input the following details: A ,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.When incorporating the “Coronavirus Pandemic” filter, the results reveal that 40 out of 84 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is ,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.1% to 5.4% of the total trip cost. This range represents very typical travel insurance costs.The bottom lineOnce you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered. If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.More From NerdWalletWhy You Shouldn’t Book Airfare in Advance Right NowShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite AirlinesElina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. Twitter: @elina_geller. 4952

To save eagles, some hunters have stopped using lead ammunition. The Fontenelle Forest Raptor Recovery has seen an increase in the amount of eagles and other birds coming in with lead poisoning.So far this year, nine eagles have been treated at the center; only three remain alive after intense treatments.This sights of this iconic bird being poisoned by lead-based ammo has some hunters thinking twice before buying lead.Kent Walton is an avid hunter who lives in Papillion, Nebraska. He said he's been hunting his whole life and will not buy lead-based ammo because of its affects on these birds."I made the switch to non-toxic shot, steel, tungsten, bismuth and those types of things, and that's what I use now in the field," he said.Many hunters said they chose lead because it's cheaper, and because they believe it makes their shot more accurate. Walton disagrees: "I don't see any difference in performance."This mission tugs at Walton's heartstrings because he also helps bring birds into Raptor Recovery when they are sick or injured. "It's not pretty," he said. "It's very sick, and it takes a lot to get them back on their feet, if you can."Walton hopes other hunters will take his lead."If you love to see the eagles soaring overhead and you love the fact they are coming back to Nebraska, there's more and more nests here then there were last year," he said. "That's why you should care: It's bringing them back and keeping them from getting that lead positioning." 1512

They have become the Holy Grail of cleaning supplies this pandemic year: Lysol and Clorox wipes. Trying to find them is often an exercise in futility.Throw in Windex spray, Scrubbing Bubbles shower cleaner, and Formula 409, and they round out the list of popular disinfecting products that are nearly impossible to find in stores these days.Coleman Henderson, owner of a house cleaning company, said he often has to tell homeowners he can't come out that week because of disinfectant shortages."I have to postpone jobs because I can't get cleaning supplies." Henderson said.You can sometimes find these items for sale on Amazon (from third-party sellers) or eBay, but you may have to pay two to three times the retail price, if you can find them at all."People are really struggling right now, " said Grace Brombach, of the consumer watchdog group U.S. PIRG. "The last thing that they need to worry about is going online and finding the products that they really need to keep themselves safe at ridiculous prices."National brands remain in short supplyStan Beck, owner of a hardware store, said that even though national brands like Windex or Johnson are hard to find, off-brand products are often just as good."This is a basic product, like Windex, just a different brand," he said, pointing to a shelf of Brillo window cleaner in his store. Brillo? Yes, they make window cleaner, and he says it works as well as Windex.Some items, though, are in such short supply that even generic versions are hard to find.For instance, toilet paper is now plentiful, but paper towel supplies remain tight. Why? A CNN report says manufacturers worked overtime all summer to produce toilet paper, but did not boost paper towel production to the same extent.The result?Grocery stores now have enough toilet paper (though they are limiting sales again), but not enough Bounty or Scott paper towels.What you can doKaren Mallory is the manager of a Do-it Center. She has a shelf stocked with cleaning products that looks like a throwback to 2018.During our visit, she had Windex, Mr Clean, Spic n' Span, even a collection of N95 face masks, something that was impossible to find for five months.Mallory said many people don't realize that local hardware stores often have a much better selection than grocery or big box stores because of their group buying power, and the fact that fewer shoppers visit them for cleaning items.She said she can find almost anything, except those Holy Grail items: name-brand disinfecting wipes."We've tried ordering Lysol wipes," she said. "Absolutely. We're trying to keep up on what supplies we can. Some things are just not available."It's the same situation at grocery stores like Kroger.The spokeswoman for the nation's largest grocery chain, Kroger, Erin Rolfes said "our suppliers are continuing to work extra hours to keep up with the ongoing customer demand," but said shoppers buy out wipes and disinfectants the moment they are put on the shelves.So what can you do?Visit your grocery store midweek, first thing in the morning, when those wipes and other products are put out.Purchase store brands, or off brands, when you find them, especially when it comes to wipes and toilet cleaners.Visit your local hardware store, and get to know the manager. Some will hold products for you if you ask.Check Amazon frequently.But U.S. PIRG says resist the urge to pay double or triple the price on eBay, because that encourages sellers to charge even more.And report gouging to Amazon customer service. That way, you don't waste your money.___________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3876

TIJUANA (KGTV) -- Mexico's president, Andres Manuel Lopez Obrador, spoke at a unity rally on Saturday evening, just hours after coming to an agreement with the U.S. avoiding tariffs on Mexican goods. The deal was announced Friday night. In his speech, Lopez Obrador said Mexico is open to collaboration. In his speech to a crowd of thousands, the president said the tariffs would have impacted both economies. The agreement means Mexico will send 6,000 troops to its southern border with Guatemala to help control migration and vowing to crack down on human trafficking and smuggling networks. Obrador's visit to Tijuana created tensions among Mexicans who have conflicting opinions about the deal. The tariffs would have started on Monday.President Trump hasn't publicly responded to Saturday's speech in Tijuana but in Friday's tweet, he thanked the Mexican government for working to come to this agreement. 918

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