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The first cruise in the Caribbean since the start of the pandemic is reporting a COVID-19 case.A passenger aboard SeaDream Yacht Club’s SeaDream 1 received a preliminary positive COVID-19 test.According to passengers, the captain informed them about the preliminary positive test over the ship’s intercom system while they were anchored off the coast of Grenadines.The vessel is now headed back to Barbados, where it is based.The SeaDream is carrying 53 passengers and 66 crew, with the majority of passengers hailing from the U.S. according to Sue Bryant, who is aboard the ship and is a cruise editor for The Times and The Sunday Times in Britain.The SeaDream is the first vessel to resume sailing in the Caribbean since earlier this year when coronavirus pandemic concerns docked the cruise industry following high profile infections.Passengers were tested both in advance of traveling, before boarding, and again a few days into the trip.The SeaDream has a capacity of about 110 guests and 95 crewmembers. It also sails outside of U.S. waters. This puts it below the 250 guests threshold and outside the area under the CDC’s orders about cruising. 1159

The coronavirus pandemic pumped up bicycle sales to the point that buyers confronted the first bicycle shortage in the U.S. since the 1970s. In tandem with that sales surge, bicycle theft has soared in a number of U.S. cities.As you might expect, the rise in bike ownership and theft has prompted more Americans to ponder insurance coverage for bicycles. That’s a particularly valid concern, since more than 2 million bikes are stolen each year in North America, according to Project 529. Pedal along as we examine the numerous spokes of bicycle insurance.How Are Bicycles Insured?Bicycles are covered under the personal property section of a standard homeowners or renters insurance policy. An insurer will reimburse you, minus your deductible, if you file a claim when your bike is stolen or when it’s damaged in a fire or other disaster that’s covered by your policy.Furthermore, homeowners and renters policies offer financial protection (under liability insurance) if you injure somebody or damage someone else’s property when you’re riding your bike.If your bike is damaged because you fall off or you collide with a tree, pedestrian or curb, it won’t be covered by your homeowners or renters insurance unless you add it separately to your policy. This is known as “scheduling” an individual item.If you’re riding your bike and are injured in a crash with a vehicle, your auto insurance policy would generally cover your medical bills under either personal injury protection or medical payments coverage, assuming you have one of those.Snejina Zacharia, founder and CEO of insurance marketplace Insurify, further notes that homeowners or renters insurance usually doesn’t cover a bike (or any of your possessions, for that matter) if it’s damaged or destroyed in a flood, earthquake or landslide.What Kind of Coverage Do I Need if I Own an Expensive Bike?The Insurance Information Institute suggests that if you own an expensive bike, you should ask about an add-on to homeowners or renters insurance known as an endorsement to boost your coverage. You also can explore a standalone bike insurance policy.Bike insurance policies usually provide broader and deeper coverage than homeowners or renters insurance policies do. For example, Markel’s bike insurance can cover things like crash damage, roadside assistance, spare parts and replacement-bike rentals, whereas a typical homeowners or renters insurance does not.Markel and another bike insurer, Velosurance, say their annual premiums start at 0. Markel’s average bike insurance policy costs 0 to 0 a year.Trusted Choice, a network of independent insurance agents, says you should look into standalone bike insurance if:You spent a lot of money on your bike. An everyday bike might cost roughly 0 to 0, while a specialty bike might go for more than ,000.You frequently ride off-road, potentially placing you and your bike at greater risk for harm.You compete at cycling events.You own a bike that’s been specially designed, upgraded or modified.You lack homeowners or renters insurance.You don’t have health insurance to cover injuries you might suffer in a cycling crash.Should You File a Claim if Your Bike Is Stolen or Damaged?If your bike is worth 0 but your homeowners or renters policy carries a 0 deductible, Zacharia recommends against filing a claim.“Not only will a claim increase your monthly premiums, but you won’t be getting anything in return. Essentially, it’s a lose-lose situation,” she says.If your bike is worth more than the deductible, calculate your potential claim check amount. If it’s small, it still probably isn’t worth filing a claim and risking a rate increase in the future that could cost you more over time.“It’s really about the balance between the cost of replacement and the increased cost on your monthly premiums. Some people might also say the hassle of making a claim is an additional downside,” says Zacharia.“Remember that your deductible matters,” Zacharia adds. “If your bicycle is worth 0 but your deductible is set at ,000, you’ll be paying out of pocket to replace it. It’s up to you where you set a deductible level. Just be prepared for the bill.”Registering Your BikeOne way to discourage bike theft—or at least have a better chance of getting your stolen bike back—is to engrave a serial number on it and register the number with the local police department. For example, New York City offers a bicycle registration program. 4472

The Farmers’ Almanac has released its wintertime forecast for 2020-21 on Monday, and said it is expecting a cold, snowy winter for much of the United States.Where it is normally cold enough to snow in the US, the Farmers’ Almanac predicts above average snowfall in most areas.From the Mississippi River to the east, the US is expected to see below normal temperatures. The northern Plains and Rockies will also see colder than average temperatures according to the almanac.The Pacific Northwest could see some of the most pleasant weather of the winter in the US, with mild and dry conditions expected there. The southwest is expected to see normal temperatures.Snow lovers, before you get too excited by the forecast, know that long-term forecasts have a tendency to be off.Last year, the Farmers’ Almanac predicted a “Polar Coaster Winter” for much of the US. Those predictions did not come to light, especially in the Midwest, which had a well above average winter.Still, the Farmers’ Almanac stands by its projections."Preparing people for the unexpected is more important than ever," states editor Peter Geiger, Philom. "Our job as editors of the Farmers' Almanac is to pass down valuable tips and advice to help our readers thrive, no matter the obstacles."To see more detail on the Almanac's forecast, click here. 1328

The FDA has given the final go-ahead to Pfizer-BioNTech's coronavirus vaccine.Shots will begin in a few days after the decision, but initial doses will be scare and rationed to health workers and nursing home residents and staff first. Enough vaccinations for the general population isn't expected until spring, prompting experts to urge the public to continue using face coverings and physically distance through the winter.Authorization had been expected Saturday morning, after an advisory panel recommended approval of the vaccine Thursday evening. According to reports, the agency was working to move it up to Friday evening.Friday morning, President Donald Trump lashed out at the Food and Drug Administration and its commissioner, Dr. Stephen Hahn, for not moving faster. Trump tweeted the FDA “is still a big, old, slow turtle. Get the dam vaccines out NOW, Dr. Hahn @SteveFDA. Stop playing games and start saving lives!!!” 939

The Cumberland, Wisconsin High School Class of 2018 got a special shout out from the local police department on an epic senior prank.The police department said on Facebook it was "one of the best senior pranks that Cumberland High School has seen."Students positioned an old junker strewn with loose bricks in front of what appeared to be a gaping black hole in the building's side, just outside the principal's office.It wasn't actually a hole, though. Using tape and a black tarp, the students created the illusion of damage, making it look like the car crashed into the side of the building. The back of the car said, "CHS Class of 2018."The best part? This prank included absolutely no damage at all to school property, which is why police singled it out."Hats off to the Cumberland High School Class of 2018 on your senior prank...Congratulations to all the seniors who are graduating," police said.This isn't the first time the tiny town of Cumberland has been in the viral spotlight. In fact, it's not even the first time this year.Back in January, the school district enlisted the help of former Backstreet Boys star AJ McLean to announce a snow day."Hey there Cumberland Beavers," McLean says in the video. "It's AJ from the Backstreet Boys. I hear you guys have some pretty nasty weather out there today. yeah, It's a snow day and here to 'tell you why' is Mr. Narges and the entire administrative team.""You're having a snow day," AJ sings.  It is unclear how the Cumberland school district got McLean's help, but the video canceling classes for the day caught the attention of people around the country -- it has since racked up nearly 70,000 views on YouTube. 1710

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