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INDIANAPOLIS -- Josh McDaniels was all set to clean out his office and travel to Indianapolis to be announced as the Colts' new head coach on Feb. 6. Instead, he talked with New England Patriots owner Robert Kraft and coach Bill Belichick, and had a change of heart that many Colts fans will never forgive. In his first interview since spurning the Colts to return to the Patriots, McDaniels apologized for what happened in a wild 24 hours in early February. "I apologize to anyone who was affected in any way. Indianapolis did a tremendous job," McDaniels told the Boston Globe. "They have a tremendous organization and I was lucky to be considered and I just think once I found out [about his role in New England], I made the right decision for me and my family at this time.’’McDaniels was given no guarantees about taking over for any future positions, such as taking over for Belichick when he retires, but did have his contract adjusted, the Globe reported. An NFL Network report said that McDaniels' agent, Bob LaMonte, told McDaniels that he made "perhaps the biggest professional mistake of his career" by backing out of the job with the Colts. McDaniels also discussed the conversation he had with Colts' GM Chris Ballard when he told him he wouldn't be taking the job. “Chris was tremendous the whole entire time,’’ McDaniels said. “He’s an incredible human being. He’s great at what he does. He’s going to be successful. It was difficult. I had a friendship with him — I still do. ... He’s a guy that I have a lot of respect for and admiration for. He was a big reason why I was interested in that job in the first place. It was as difficult a decision as I’ve ever made professionally. He handled it extremely well, he was a complete professional about it.’’McDaniels said he also called to apologize to the assistant coaches who had been hired after he accepted the Colts job. “I spoke to all of them that night right away, shortly after I talked to Chris,’’ McDaniels said. “They were professionals. Like I said, it wasn’t easy for anybody. I apologized to them if it put them in an awkward position."About a week after McDaniels' decision, the Colts announced former Eagles offensive coordinator Frank Reich as the team's new head coach.   2373

In the race towards a COVID-19 vaccine, there have been a lot of hurdles. In the spring months, it was learning about a novel virus: how it spreads and affects the body. Then, it was developing a vaccine that was not only effective but safe.Now that Pfizer and Moderna have both announced vaccines with nearly 95-percent efficacy, the challenge is not developing one, but rather getting people to actually get the vaccines.“Maybe 10-15 percent of people are just never going to go get a vaccine because they feel strongly against it,” said Katy Milkman, a professor at the Wharton School of Business at the University of Pennsylvania.Earlier in the summer, 72 percent of Americans said they would take a COVID-19 vaccine, according to a study by the Pew Research Center. But in the months that have followed, that number has steadily declined. Now, according to a recent Gallup poll conducted in early November, 42 percent of Americans said they would not get an FDA-approved COVID-19 vaccine. 1001

It’s a tough time to do your banking if you prefer going to a branch. Hours have been cut at many locations, and social distancing guidelines mean bank lobbies are limiting traffic — assuming they are open at all.For customers who absolutely need to visit branches, banks are taking steps to prevent the spread of COVID-19. Sean Potter of Minneapolis, who blogs at My Money Wizard, saw these precautions during a recent meeting at his local bank. “It was awkward because I had an appointment with the relationship manager, and we still had to maintain 6 feet of distance even though we had to review the same documents together,” he says.Potter appreciates that the branch was trying to ensure his safety, but says he’s now considering other ways to bank. “From now on, it’s online or on the phone,” he says.Here are some ways you can bank without leaving home, along with safety tips if you do need to venture out to a brick-and-mortar branch.Explore online options“A lot of banking can be done with the click of a button,” says Brian Milton, head of retail banking at Union Bank. Union and most other banks and credit unions have robust websites and apps you can use for many banking tasks.Deposit checks. With mobile check deposit, you can snap a photo of a paper check and submit it online, via app or your bank’s secure website.Pay bills. With online bill pay, you can log in to your bank’s webpage and enter the name of the recipient and their contact information. Your bank handles the rest by making an electronic funds transfer or mailing a paper check.Apply for an account. Opening a new checking or savings account can be as easy as going to a bank’s website and submitting an online application. To apply, have your driver’s license and Social Security number handy to prove your identity.Sign documents. Some institutions use digital services such as DocuSign to prepare documents, including loan and account opening paperwork. They can be securely emailed to you, and you can sign them electronically by clicking highlighted prompts.Request payment assistance. Need some leeway with loan payments? Some banks are allowing customers to request arrangements online, including delaying due dates for bills, temporarily reducing monthly payments or asking for fee waivers.Or pick up the phoneKeep your bank’s customer service number nearby. You can use it to speak to a real person about account questions or issues.For example, some banks have announced that customers can call and request to waive non-sufficient funds fees, overdraft fees and monthly service charges.But keep this in mind: If you’re faced with steep fees, it may be better to simply switch to a cheaper bank. Online-only institutions, for example, tend to have low or no monthly service fees, and some offer toll-free customer service numbers staffed 24 hours a day, seven days a week. To learn more, read our primer on online banks.Bank safely at a branchIf you still need to visit a bank branch, here are some ways to protect yourself.Get it on the calendar. “Before you visit your local branch, it’s a good idea to call ahead and schedule an appointment,” Milton says. He adds that doing so helps branches manage occupancy and social distancing requirements.Calling ahead can also help the bank make sure it has a staffer on hand who can help you with a specialized transaction or request, he says.Consider drive-up services. Some banks have drive-up lanes where customers can receive the same services offered inside a branch, such as making cash deposits and withdrawals, and getting money orders, all at a safe distance from other people. You could also withdraw cash from an on-site ATM without the need to interact with a teller.Bring your protective gear. Since you’ll be touching screens, door handles and other public surfaces, consider bringing hand sanitizer or wearing gloves. If you do need to step inside a lobby, you may also be asked to wear a mask for everyone’s protection.Accept the changes. Steve Turner, a publicist in Chesterfield, Missouri, says he visits his local branch a few times a month to make business deposits. “There are signs on the floor showing where people should stand to keep their distance,” he says. Turner has also noticed there’s less small talk with the tellers, and reasons it’s because everyone is wearing a mask. He believes these changes will remain for a while. “It was odd at first, but now it seems like a new normal,” he says.More From NerdWallet3 Ways to Skip Your Bank’s Long Phone LinesLooking for Safer Ways to Pay? Go ContactlessIs My Money Safe in a Bank During the COVID-19 Crisis?Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4731

In retribution for Delta ending its support for the NRA following a mass shooting that killed 17 at a high school in Parkland, Florida, the Republican-held Georgia Senate ended a jet fuel sales tax break for Delta that could cost the company up to million. The bill, which has already been approved by the state's majority GOP House, is said to have the support of Governor Nathan Deal. "Disagreement on key issues of our time should not prevent Georgians from keeping more of their hard-earned dollars," he said at a press conference Wednesday.Deal said he would find "a pathway forward for the elimination of sales tax on jet fuel, which is non-negotiable."Lieutenant Governor Casey Cagle, a Republican who is running for governor, said earlier in the week that companies can't "attack conservatives and expect us not to fight back.".Delta has yet to respond publicly to the lawmakers.Delta, headquartered in Atlanta, is one of the state's largest employers. Democrats in other states took the opportunity to invite the airline to do business with them instead."Virginia is for lovers and airline hubs," Virginia Governor Ralph Northam said on Twitter. "You're welcome here any time." 1213

IRAPUATO, Mexico (AP) — Several thousand Central American migrants marked a month on the road Monday as they hitched rides to the western Mexico city of Guadalajara and toward the U.S. border.Most appear intent on taking the Pacific coast route northward to the border city of Tijuana, which is still about 1,550 miles (2,500 kilometers) away. The migrants have come about 1,200 miles (1,900 kilometers) since they started out in Honduras around Oct. 13.But whereas they previously suffered from the heat on their journey through Honduras, Guatemala and southern Mexico, they now trek to highways wrapped in blankets to fend off the morning chill.Karen Martinez of Copan, Honduras and her three children were bundled up with jackets, scarves and a blanket."Sometimes we go along laughing, sometimes crying, but we keep on going," she said.While the caravan previously averaged only about 30 miles (50 kilometers) per day, they are also now covering daily distances of 185 miles (300 kilometers) or more, partly because they are relying on hitchhiking rather than walking.On Monday morning, migrants gathered on a highway leading out of the central city of Irapuato looking for rides to Guadalajara about 150 miles (242 kilometers) away."Now the route is less complicated," Martinez said.Indeed, migrants have hopped aboard so many different kinds of trucks that they are no longer surprised by anything. Some have stacked themselves four levels high on a truck intended for pigs. Others have boarded a truck carrying a shipment of coffins.Many, especially men, travel on open platform trailers used to transport steel and cars, or get in the freight containers of 18-wheelers and ride with one of the back doors open to provide air flow.But the practice is not without dangers.Earlier, a Honduran man in the caravan died when he fell from a platform truck in the Mexican state of Chiapas.Jose Alejandro Caray, 17, of Yoro, Honduras, fell a week ago and injured his knee."I can't bend it," Caray said, as he watched other migrants swarm aboard tractor-trailers."Now I'm afraid to get on," he said. "I prefer to wait for a pickup truck."After several groups got lost after clambering on semitrailers, caravan coordinators began encouraging migrants to ask drivers first or have someone ride in the cab so they could tell the driver where to turn off.Over the weekend, the central state of Queretaro reported 6,531 migrants moving through the state, although another caravan was further behind and expected to arrive in Mexico City on Monday.The caravan became a campaign issue in U.S. midterm elections and U.S. President Donald Trump has ordered the deployment of over 5,000 military troops to the border to fend off the migrants. Trump has insinuated without proof that there are criminals or even terrorists in the group.Many say they are fleeing rampant poverty, gang violence and political instability primarily in the Central American countries of Honduras, Guatemala, El Salvador and Nicaragua.Mexico has offered refuge, asylum or work visas, and its government said 2,697 temporary visas had been issued to individuals and families to cover them during the 45-day application process for more permanent status.But most migrants vow to continue to the United States. 3279