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While Election Day is still 19 days away, voters were already forced to make a decision on Thursday: Donald Trump or Joe Biden.While the decision will not show up on an official ballot or election, the choice Americans were forced to make was on which presidential town hall to watch. While having debates on competing networks might have made things challenging for swing voters, there are not many undecided voters left, according to polls. In a national poll released by "The Hill" yesterday, the survey found that 7% of voters remain undecided. On one network, Joe Biden calmy responded to questions from a socially-distanced audience in Pennsylvania. Meanwhile, President Donald Trump sparred with NBC News host Savannah Guthrie in a competing town hall there.The dueling town halls were held in lieu of a traditional town hall debate. The debate was scrapped after the Commission on Presidential Debates said that tonight’s debate would be held virtually. Trump opted out of a virtual debate, prompting Biden to schedule a forum on ABC News. Yesterday, Trump announced he too would hold a network-televised debate, this time on the NBC family of networks.Trump and Biden plan on debating next week in person for the final time. Biden said he would like to see Trump tested for the coronavirus at the next debate.“Yeah," Biden said when asked if Trump should be tested. "By the way, before I came up here, I took another test, I've been taking it every day, the deep test, you know, the one, they go in both [noses]. Because I wanted to be able to — if I had not passed that test, I didn't want to come here and not expose anybody."White House press secretary Kayleigh McEnany originally stated that Trump was tested multiple times a day. But Trump has acknowledged that he wasn’t tested every day, and said during Thursday’s town hall he was unsure when his last negative test was before announced he was infected with the coronavirus on Oct. 2.“I don't know, I don't even remember,” Trump said. “I test all the time. I can tell you this. After the debate, like, I guess, a day or so, I think it was Thursday evening, maybe even late Thursday evening, I tested positive. That's when I first found out,While Biden answered questions on tax policy, Trump responded to a New York Times story on his personal taxes, and was pressed on details that he reportedly owes 0 million in taxes in the coming years. "I'm treated very badly by the IRS,” Trump said. “They treat me very, very badly. You have people in there from previous administrations. They treat me very badly. But we're under audit. It's very routine in many ways. But we're under audit. They like to change the game, change the rules, do everything,"Biden was pushed on whether he would raise taxes amid a pandemic and higher unemployment.“When I said the Trump tax cuts, about .3 trillion of the trillion in his tax cuts went to the top one tenth of 1%,” Biden said. “That’s what I’m talking about eliminating. Not all the tax cuts that are out there.” 3033

Whether planning necessary travel in the near term or fantasizing about vacationing in the ever-longer term, you might be curious how the coronavirus pandemic has affected airfare prices.We compared data from our points and miles valuations analysis to determine where and how airfare has changed since this time last year. We looked at the same routes, airlines and booking time frames for both 2019 and 2020, ensuring an apples-to-apples comparison.Although air travel has picked up significantly since the lows in April, the Transportation Security Administration is still reporting about 63% fewer daily screenings than this time last year. Has this drop in air travel demand led to a significant price drop?The short answer is: Yes, prices have fallen.Prices have dropped, but mostly in the short termThe average cost of a domestic round-trip ticket fell 23% in 2020, from 7 in 2019 to 4.This price drop is striking but not surprising given continued low demand. But the trend becomes stronger when breaking out the booking date data, with those made within 15 days dropping much further than bookings made six months in advance.The plot thickens.Airfare for long-term bookings has remained flat year over year. If you book a flight for six months from now, you’re likely to pay roughly the same price as you would have last year. But closer-in bookings, within 15 days, are not only far cheaper than they were in 2019 but also cheaper than long-term bookings.This turns conventional airfare-booking wisdom on its head. Usually, we would recommend booking flights as far ahead as possible to secure low fares. But booking too far in advance is now a recipe for getting fleeced.? Learn more: How to plan holiday travel for maximum flexibility in 2020What’s going on?The management of supply and pricing is usually an exquisitely orchestrated dance in which airlines ensure that every flight is filled to near capacity and every price is competitive. This usually means ramping up prices for nearly full flights at the last minute, when competition becomes stiffer.However, now that demand has dropped and airlines are actually falling over themselves to reduce flight capacity, the game has changed. Airlines are now competing with each other for last-minute bookings, which drives down prices. And they seem to be making up revenue by raising prices on longer-term bookings made by those few brave souls willing to plan in advance. In other words, it’s a buyer’s market for close-in bookings.Of course, these pricing dynamics, like everything this year, are liable to change by the week. If you’re thinking about booking a particular route, set up a price alert on Google Flights or another travel search tool and keep an eye on how the airfare winds are blowing.What do these unusual airfare trends mean for you? Keep it simple: Avoid booking months in advance, set up a price alert and try to shed the normal (and normally smart) habit of avoiding last-minute bookings.More From NerdWalletShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite Airlines(How) Should I Travel for the Holidays?Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. 3242

While many have people lost their jobs over the past few months, for some people, the COVID-19 pandemic caused a scenario that made it easier for them to find work. Lashaunda Garner is one of those people.“In my situation I was out of work for 16 years,” said Garner.After nearly two decades, Garner found a work-from-home job at the start of the pandemic.“As soon as I got the job, I was like ‘oh my gosh, I can do something past my disability,’” she added.Garner suffers from severe PTSD and anxiety, which makes it difficult to work in a traditional work environment.“In my case, there are certain sounds, certain smells and things that trigger your depression and when I am at home, I can limit those things,” said Garner.While work-from-home options were previously limited. During forced business closures and stay at home orders, the U.S. saw a surge in work-from-home jobs, especially call center positions.“The pandemic struck, and all of the call centers had to send their agents home. This was worldwide. This was something that never happened before,” said Alan Hubbard. “Some of the agents that were sent home in India, the Philippines and China didn’t have the physical infrastructure in order to do those jobs.”Hubbard is with the National Telecommuting Institute (NTI), which helps people with disabilities work from home. In Garner’s case, it had already helped her setup a home office and everything needed to work from home when the surge happened.“You hear people say, ‘you aren’t your job’ right, but for a lot of people, that is how they identify themselves,” said Hubbard. “That they are working, that they are productive. That is the opportunity that we try to provide.”Garner is just one example out of many people with disabilities who have been able to find work-from-home jobs and thrive in that environment over the past few months.Since the beginning of the pandemic, NTI has had a significant increase in companies come to them for help finding workers. They have four times as many available jobs to fill and have actually been able to place nearly 200 people in work-from-home jobs in the last six weeks. When, typically, it places about 50 people a month.“That is what the pandemic has done. It has opened up this opportunity for these folks,” said Hubbard.Hubbard is currently working with a dozen companies looking to hire another 240 people.Lashaunda is thriving in her current role and hoping her story inspires not just other people with disabilities, but the millions looking for work right now.“Do the best you can and fight for what you want,” said Garner. “It may take you, hopefully not 16 years, but you will end up getting it.” 2681

What you drive impacts what you breathe.With all kinds of vehicles emitting all kinds of pollutants into our air, many Americans are now suffering from related health problems.“What I feel is tightness all around my chest,” said Karen Jakpor ,M.D., MPH. “Pretend you had to breathe through a straw.”Jakpor lives in California’s Inland Empire, an area east of Los Angeles, that has some of the worst air pollution in the country.After years of breathing in pollutants, Jakpor developed asthma so severe that she lost her clinical career.“That was very devastating to me when that first happened,” she said.Jakpor has since made a career change and is now advocating with the American Lung Association with a goal of getting all internal combustion engines off the road within the next three decades.“There’s so many people who are affected and people dying and yet they don’t even know that air pollution played a role in their medical condition,” Jakpor said.In its new report titled “Road to Clean Air,” the American Lung Association encourages a nationwide shift to electric vehicles by 2050.“Transportation is driving the unhealthy air that affects half of all Americans,” said William Barrett, lead author of this report.He predicts a transition to zero emission technology, for all transportation across America, could save countless lives and billions of dollars.“In the year 2050 alone, we could generate billion worth of public health benefits and approximately 3 billion worth of climate change benefits,” Barrett said.The move to reduce the use of fossil fuels has been an ongoing issue for decades.Now, however, health experts say the need for change is becoming more urgent each day.“Hopefully this report helps move the needle,” said Meredith McCormack, M.D., MHS, associate professor of medicine at John Hopkins University.She says prolonged exposure to car exhaust fumes can cause health issues ranging from heart attacks to lung cancer.To make a national changeover to electric vehicles a reality, McCormack says communities need help from leaders at local, state and federal levels.“For all of us as individuals, we also have our own ability to impact the future,” she said.A future of battery powered cars, however, does come at a cost.For example, a 2020 Toyota Prius Prime plug-in hybrid costs about ,000 more than a 2020 Toyota Corolla with a four-cylinder engine. But a study by the U.S. Department of Energy found that while plug-in vehicles could cost more upfront, they make up for it in savings with lower fuel costs and reduced emissions.That's something Jakpor believes is a small price to pay to improve America’s air quality.“We don’t want to leave the next generation with even worse disasters,” she said. 2753

When COVID-19 forced businesses to reduce capacity, restaurants had to get creative. Many opened up outdoor space to dine.Now, with winter coming, restaurants are scrambling to figure out how to keep outdoor spaces comfortable.“We won a James Beard award here. I think what we’re known for is amazing food and service and great wine,” said Chef Jennifer Jasinski, owner of Crafted Concepts Restaurant Group. Rioja is one of the restaurants.“We’re just trying to plan. Hope for the best, plan for the worst,” Jasinski said.Like many restaurants across the U.S., Rioja is struggling with bringing business back and following physical distancing guidelines.“The order that let us increase our patio at each of our restaurants was a really big help over the summer. It got us to about 65 to 70% of our prior year occupancy,” Jasinski said.Outdoor space has been the saving grace for many.The National Restaurant Association Research Group conducted a survey of more than 3,500 restaurant operators from August 26 to September 1 nationwide.“Places that have table service, approximately three fourths are currently utilizing outdoor space which is a very large percentage,” said Mike Whatley, vice president of state and local affairs for the National Restaurant Association. “And it's making up an average of 44% of daily sales, which is very high by historical standards. Almost half of their money currently is coming from outdoor dining.” But outdoor space may present some challenges in the coming months.“Equipment for outdoor dining, especially when it gets cold, it gets expensive,” Whatley said. “What we found is that the average restaurateur is hoping to utilize their outdoor space two months more from this point moving forward.”“It’s absolutely terrifying. I feel like it’s 'Game of Thrones' and winter is coming and I’m scared. It’s not white walkers, I’m just scared of the occupancy,” Jasinski said. And she’s not alone.Many restaurants across the country are facing the same battle, and searching for solutions. The City of Chicago is reaching out to help by hosting a Winter Design Challenge, inviting the community to reimagine the winter outdoor dining experience for a prize.It’s similar to how Larimer Square in Denver, Colorado, where Rioja is located, was re-imagined, by letting the community have a say.“It wasn't just about the seating capacity, it was about the experience itself of being on the street and I mean really, it’s worked,” Jon Buerge said. Buerge is the Chief Development Officer at Urban Villages, the property management company in charge of Larimer Square, a prime example of the “Street-ery” concept.“This 'street-ery' concept is a new one where you block off a street in an urban area, and allow restaurants to take over some of that space. We’re seeing that in a number of jurisdictions,” Whatley said.“Some of the things that we've been exploring are tent systems that could be heated and, on a nice day, you can roll up the walls,” Buerge said. He said solutions really depend on the place.“Seattle has been slower to reopen. The people in Seattle have been less willing to go out and restaurants have been closed for longer. So it depends on the market, it depends on the weather, it depends on whether the people in these cities are ready to come out,” he said.As temperatures drop, restaurants are weighing the benefits and costs of seating diners outdoors.“There's all these hoops we have to jump through for less dollars,” Jasinski said. “I haven't heard of anybody else having any brilliant ideas that don't cost a ton of money.” 3588

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