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There's growing concern among parents that the pandemic will impact development for their kids.“It hasn't just been COVID, right? We've learned, you know, our youngest children have learned to fear other human beings,” said Dr. Kathryn Hirsh-Pasek, Director of Temple University’s Infant Language Laboratory.Hirsh-Pasek is a professor of psychology and a senior fellow at the Brookings Institution. She describes the current environment as a “social hurricane.”Toddlers can't interact with each other and they pick up on the fear that their parents may have.“We may think that we hide all of this from our children, but a lot of times we don't,” said Hirsh-Pasek.She thinks most toddlers will recover in their developmental process. Eventually, they'll be back on playgrounds or in schools, learning and socializing with other kids and adults.But kids from families that have been more seriously impacted by the pandemic may struggle more, especially kids whose parents lost their jobs or who come from underserved communities that have been hit harder by the virus.“There will be some gaps they need to overcome, and I think we need to be prepared with mental professional to, to help all those children thrive,” said Hirsh-Pasek.As Hirsh-Pasek points out, history has taught us most kids are resilient. We've lived through other crises before.In the meantime, parents can help kids navigate how they're staying connected without face-to-face interactions. 1465

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

There's a new Facebook hoax going around — and it's targeting your inbox."We’ve heard that some people are seeing posts or messages about accounts being cloned on Facebook. It takes the form of a 'chain mail' type of notice," a Facebook official said.Here's what happens: you receive a message from an existing Facebook friend telling you they've received a friend request from you. Then it says to check your account and instructs you to forward the message to all your friends.But users are following these actions without actually checking if they have a duplicate profile and it's leading to a lot of confusion, a Louisiana official said.The message reads: 678

THORNTON, Colo. – Police in Wyoming have arrested a Thornton, Colo. man after he walked into their station and told them he had killed his girlfriend in Colorado and driven her body across state lines to Wyoming.Thornton police said Jonathan Eugene Akin, 22, was in custody of the Powell (Wyo.) Police Department after being arrested for investigation on a first-degree murder charge on Tuesday. Jail records indicate he also faces a felony charge of mutilation of a dead body.Thornton police say they were called by Powell police just before noon Tuesday and asked to conduct a welfare check on a woman at an apartment at the Champion’s Park Apartments. Powell police told Thornton police that Akin had come into their department claiming his dead girlfriend was in his vehicle.While Thornton officers were checking the apartment, Powell police confirmed the woman’s body was found inside Akin’s vehicle. Thornton police confirmed the apartment was a crime scene, Sgt. Ernie Lucero said in a news release.Akin is being held at the Park County (Wyo.) Sheriff’s Office while he awaits a hearing to be extradited back to Colorado to face charges. The woman who was killed has not been identified.Powell is located in northwest Wyoming approximately 140 miles west of Sheridan.Lucero said the investigation into the woman’s death was ongoing and asked anyone with information to call 720-977-5069. 1402

This pandemic holiday season, the last thing you need is too have your power disconnected.But Lisa Shook , who manages a home inspection company, recently got a call from someone claiming to be with their electric company."He said he was going to be in our driveway to cut off our services," she said.Shook handed the phone to owner Rob Wells, who was told he was behind on his bill, and would be cut off if he didn't pay immediately."He said we needed to pay 7 or they would disconnect the electric," Wells said, saying the man demanded a debit or credit card number.It sounded legit, as the caller knew the name of his business, and more.So this expert who normally inspects houses inspected his records, and realized he was not behind on his bill after all.But it may have been too late: Someone emptied his debit card a short time later."Everything got hacked, my credit card, everything," he said.It was all a scam. He is now working with his bank to repair the fraud charges.Easy to believe the caller's claimsLast year, one church almost lost ,000.Donald Kincaid is an Episcopal church groundskeeeper. He was shocked when he received a call from the power company claiming the church had fallen behind on its electric bill."The caller said that the gas and electric would be cut off in about a half an hour because the bill hadn't been paid," he said.The caller couldn't have been more clear. Unless the church paid the money immediately, workers would shut its power off.The caller said that to avert a shutoff, Kincaid needed to buy nearly ,000 in Green Dot Visa cards" and send it to them, giving them the number on the card."The church almost fell for the power disconnect scam, which targets homeowners, small businesses and now churches.Energy companies around the country remind customers that they will never call you threatening immediate disconnection.Duke Energy spokesman Lee Freedman says if you are behind on your bill, they will send you several notices first, and will never demand you pay immediately by debit or gift card.So hang up, and call your provider at the number on your bill, not the number the call came from.As always, 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 2494