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Thursday was supposed to mark the second of three presidential debates between Joe Biden and Donald Trump.Instead, Trump and Biden will hold town hall forums on opposite networks in a hope to sway voters to the polls by November 3. The town hall forums will air Thursday evening at 8 p.m.How we got hereIn the two weeks since the last debate, Trump tested positive for the coronavirus as dozens of others who had contact with Trump around the time of the debate also tested positive for the virus. Also, revelations surfaced that Trump’s travel party did not follow the debate’s coronavirus guidelines at the Sept. 30 meeting in Cleveland.As a result, the Commission on President Debates announced last week the debate scheduled for Oct. 15 would be held virtually. Wanting no part of a virtual debate, Trump immediately retracted his participation in the debate, and instead his campaign said it would hold a rally.Meanwhile, Biden said he’d opt to hold a televised town hall forum on Thursday.On Wednesday, NBC News announced that Trump had agreed to participate in a town hall at the same time.When/where to watchBiden’s town hall will begin at 8 p.m. ET live in all time zones. The town hall will air live on ABC, ABC News Live on streaming platforms, YouTube, Twitter and Facebook. ABC News anchor George Stephanopoulos will moderate.Trump’s town hall will also begin at 8 p.m. ET live in all time zones. The town hall will air live on NBC, MSNBC and CNBC, stream on NBC News NOW and be available in Spanish on Telemundo’s digital platforms. NBC News’ Savannah Guthrie will moderate.Biden’s town hall is slated to last 90 minutes, while Trump’s will go 60 minutes.NBC News took criticism from some on social media for opting to hold the town hall at the same time as Biden’s event. The concurrent town halls will leave swing viewers having to pick one of the candidates to watch. Stephanopoulos hosted a town hall with Trump and voters last month, while Biden did a town hall with NBC News’ Lester Holt a week ago.FormatUnlike debates, town hall forum responses have no time limit, which allows for deeper discussions on topics. Based on recent town hall forums, the coronavirus and the economic fallout will likely be key topics.Also of note is that Trump has largely avoided taking questions from reporters since being diagnosed with the coronavirus. It would not be surprising to see direct questions posed to Trump on holding large events without masks amid a pandemic. 2486

Trade war fears and a presidential attack on Amazon are rocking Wall Street.The Dow dropped more than 700 points on Monday, and the Nasdaq plunged 3%. The S&P 500 hit its low for the year and was on track for its lowest close since November. The sell-off left all three major indexes in the red for 2018.By the end of the day Monday, the Dow slightly recovered, closing down 458 points for the day.The sell-off on the first day of the second quarter came after President Trump once again attacked Amazon on Twitter. Amazon, one of the biggest drivers of the 2017 market rally, tumbled 5%, wiping out more than billion of its market value.Trump once again accused Amazon of taking advantage of the US Postal Service, and he suggested that Amazon does not pay its fair share of tax.In fact, Amazon pays the same lower rate that the post office charges other bulk shippers, and it collects sales tax in every state that charges it. Amazon does not collect sales tax on purchases made from third-party vendors."You've got the president of the United States attacking a single company over what he considers to be unfair practices," said Ian Winer, head of equities at Wedbush Securities.Amazon wasn't the only tech stock in trouble. Tesla, Netflix and Cisco all dropped by at least 4%. Intel plunged 8% on a?Bloomberg News report that Apple plans to switch to its own chips. Almost every stock in the Nasdaq 100 lost ground.The Nasdaq has plunged more than 10% from its all-time high on March 12."When investors see market leaders suddenly stumble, they become more cautious about the entire group," said Kate Warne, investment strategist at Edward Jones.Wall Street is also fretting about rising trade tensions, especially with China. Beijing responded to Trump's steel and aluminum tariffs on Monday by following through on its threat to impose tariffs on billion of US imports. The tariffs apply to 128 products, ranging from pork and meat to steel pipes.Trump plans to place additional tariffs on about billion worth of Chinese goods — and Beijing has promised to respond.John Toohey, head of equities at USAA, blamed the sell-off on concerns about the China tariffs. "Global trade could slow down, global supply chains could be impacted, and CEOs could be more cautious on capital spending," Toohey said.NAFTA worries are also on the rise after Trump took aim at the trade deal between the United States, Canada and Mexico. Trump on Sunday linked NAFTA to his efforts to build a wall along the border with Mexico."They must stop the big drug and people flows, or I will stop their cash cow, NAFTA. NEED WALL!" Trump tweeted."It's a cause for concern. That mixing of issues is contributing to uncertainty," said Kristina Hooper, chief global market strategist at Invesco.No matter the cause, signs of fear abounded. The VIX volatility index jumped more than 15%. CNNMoney's Fear & Greed Index of market sentiment dropped further into "extreme fear." Crude oil plunged about 3%. Gold, which tends to do well when investors are worried, climbed more than 1%."None of it makes a lot of sense," said Michael Block, chief strategist at Rhino Trading Partners. "I don't know what we learned that was new. Chinese tariffs are not surprising."After spiking last year, the stock market hit extreme turbulence during the first three months of the year as investors worried about tariffs, inflation and tech stocks. The Dow snapped its longest quarterly winning streak in 20 years.Stocks may be volatile, but the backdrop looks bright. Global economic growth is expected to accelerate and corporate profits are likely to surge, thanks in part to Trump's corporate tax cuts."It's unlikely to be the end of the bull market," Warne said. "The underlying fundamentals remain positive." 3823

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

This year, the number of school shootings in the United States has dropped tremendously because of the pandemic.According to the Center for Homeland Defense and Security, there has only been one shooting inside a school building since March; an accidental discharge of a firearm inside North Forney High School in Forney, Texas that happened before pandemic shutdowns began.It may be one silver lining in a year many wish to forget.But just because numbers are down, does not mean schools are not still prioritizing active shooter drills.According to Everytown for Gun Safety, a public advocacy group, 95 percent of K-12 schools implement active shooter drills, but the number can vary by state. For instance, in New York State, schools are required to have four lockdown drills per year, whereas in New Jersey the requirement is two.Since the pandemic started, most states have required those same number of drills despite some students choosing to learn from home, in-person restrictions, and social distancing.“We had to redesign the entire drill,” said John McDonald, executive director of security and emergency management at JeffCo Public Schools in Colorado. “We had to redesign what it looked like. How do you socially distance when you’re locking down?”McDonald laid the blueprint for school safety across the country when he was brought in by the JeffCo Public School District to implement new safety measures after the Columbine School Shooting in 1999.In the COVID-19 world, students in his school district are now learning about active shooter drills through a three-minute video presentation he helped design.“We have kids learning [these active shooter lessons] since kindergarten,” said McDonald. “So, this helps supplement that and reinforce that muscle memory.”In the Syracuse School District in New York, however, the drills are a little different than in Colorado.“I think that there’s always a need to balance the safety of the potentially very worst day with the challenges of safety and student well-being that schools face every single day,” said Jaclyn Schildkraut, a criminal justice professor at SUNY-Oswego.Schildkraut helped the Syracuse school district redesign its plans following COVID-19. Instead of the normal drills, where a full class might huddle together out of sight of windows, Schildkraut says students are now broken up into smaller groups of four students to help reduce close exposure to one another during drills.She says those groups also practice the drills on different days to keep things efficient.Schildkraut and McDonald agree that since the pandemic, the drills focus on threat assessment. In day-to-day school functions, COVID-19 is the primary threat to student safety, so social-distancing rules are implemented even during drills. But if an emergency arises, they say that becomes the more imminent threat so that will be treated as the priority, even if it means social distancing cannot be followed.“If we have to go into a lockdown while we’re in school, even in the COVID world, we’re going to go into lockdown because that’s the threat that’s in front of us in that moment in time,” said McDonald. 3167

Thursday marks exactly six months since the World Health Organization (WHO) declared a global health crisis connected with the disease that was then simply known as the novel coronavirus.Half a year later, the virus has infected 17 million people on every continent and killed more than 600,000 worldwide.On Jan. 31, WHO issued a statement saying that Dr. Tedros Adhanom, the director-general of the organization, had accepted a committee's recommendation to declare the outbreak of the virus in China a "public health emergency of international concern."At the time, the outbreak was mainly concentrated in China, as the country had confirmed 7,711 cases of the virus and 170 deaths linked to the disease. While the virus had been recorded in five other countries — including five cases in the U.S. — there had been no deaths recorded outside of China.In its Jan. 31 declarations, the WHO did not recommend any travel or trade restrictions, but urged countries to prepare for containment and "place emphasis on reducing human infection, prevention of secondary transmission and international spread."The organization issued its recommendation 10 days after China reported that the virus appeared to be spreading from person-to-person, a finding that indicated the disease could have far-reaching implications. The New York Times reports that by that time, thousands had traveled out of Wuhan, the virus' place of origin, possibly spreading it around the world. China has since faced criticism for not reporting its findings sooner.That same day, President Donald Trump took action to block entry into the U.S. of any person that had been in China for the last 14 days. The order did not apply to U.S. citizens. While the move may have temporarily delayed the virus' widespread arrival, his administration's inaction for the next month would prove costly.During the next month, the CDC would face significant delays in developing a test for COVID-19, which would cause a testing backup in the months to come. The president also repeatedly downplayed the severity of the situation, declaring on Feb. 26 that the number of cases in the U.S. would go down to zero in the coming days.In the months since the WHO's declaration, 150,000 Americans have died of COVID-19, and more than 4 million have been infected. Both figures are by far the most of any other country. 2370