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If it's been a while since you've booked a flight, travel insurance is that thing that pops up at the end of a sale.“At the end, they’re going to say, ‘Hey, this many people bought travel insurance, don’t you want to buy travel insurance too?’ And I think a lot of people generally, before COVID, would think, ‘Oh they’re trying to upset me and move along,’” said Michael Parrish DuDell, chief strategy officer for Couponfollow.com. “But what we’re seeing, in fact, is that more and more people are saying, ‘I want that insurance I want to protect my future travel.’"Couponfollow.com was designed, DuDell said, to save consumers both time and money. He says the company is always asking consumers about their money and how they spend it.“As we looked closer at how people are traveling, where they were spending their money, where they were allocating their time, we found these little niche interesting areas,” DuDell said.He says those areas include things like travel insurance.“What we found is that 75% of people who had already booked flights had purchased trip insurance. That was a staggering number that is a 55% increase than what is thought of as the norm,” DuDell said.So, why the increase? Travel anxiety amid the pandemic is likely a big part of it.“There is so much uncertainty in the world right now, and of course that’s around the pandemic, but there’s other kinds of uncertainty too and I think people feel like they’re taking a strong risk in general when they’re traveling,” DuDell said. "So if they can mitigate risk in other areas, they’re willing to do that, to spend the money behind it.”Leslie Tayne, a financial attorney, author and frequent flier said, “There are a lot of caveats to whether travel insurance for airline purposes makes sense right now and frankly because the airlines allow you to make changes without a cost and last minute, there’s really almost no reason why you would get travel insurance.”She says these days, airlines are more accommodating than ever. And because there's been so much industry disruption surrounding travel, the future is being rewritten now.“I definitely believe they’re going to rewrite the travel insurance, they’re being investigated right now,” Tayne said. “It's being taken up in Congress in terms of the validity of the travel insurance and there’s some concern that travel insurance might be what’s termed either a ‘scam’ or a ‘money-making proposition’ that’s not really beneficial to the consumer.”In March, the House Oversight and Reform Subcommittee on Economic and Consumer Policy launched an investigation into whether travel insurance provided any “meaningful protection” for consumers. The investigation was spurred amid the onset of the coronavirus pandemic, when many travelers were canceling trips as states began implementing stay-at-home orders.“The evidence shows consumers are purchasing standard travel insurance products, thinking they will be covered if they cancel their trip because of coronavirus,” Rep. Raja Krishnamoorthi (D-IL), the subcommittee’s chair, said in March. “Yet, companies like Allianz, Travel Guard, and Generali are refusing to cover those claims. In the process they are encouraging dangerous travel.”So, when it comes to whether you "need" that insurance, Tayne says weigh your risks, consider where you're going and what you'll be doing.“My recommendation is to try to understand what the restrictions are and what you could use the insurance for when would it apply to you,” Tayne said.Tayne said if you're in a situation where it makes sense, don't make an insurance decision on emotion. Think of it as a business decision, and these days, we're all in the business of saving time and money. 3719

If you were waiting for the annual Kardashian-Jenner clan Christmas photo, or perhaps an invite to their annual Christmas Eve party, they are not coming.Khloe Kardashian tweeted this week that “taking this pandemic seriously is a must” and family traditions are being canceled.COVID-19 cases are spiking around the country, and in California, much of the state is under stay-at-home orders because of the dwindling number of available ICU beds. These orders include the most populous areas of the state, like Southern California where the majority of the Kardashian family lives.Responding to a question on Twitter about whether they were doing a Christmas party, Khloe responded, “The Covid cases are getting out of control in CA. So we decided that we’re not doing a Christmas Eve party this year. It’s the first time we will not be having a Christmas Eve party since 1978 I believe. Health and safety first though! Taking this pandemic seriously is a must.” 968

Important update regarding early 2021 U.S. sailings. pic.twitter.com/Dra9jpXgCj— Carnival Cruise Line (@CarnivalCruise) November 18, 2020 145

If Monday's opening statements were any indication, Judge Amy Coney Barrett's nomination to the Supreme Court will face a bitter partisan fight in the days and weeks ahead.Given the timing — less than a month ahead of the 2020 general election — and the implications of appointing a sixth Supreme Court justice nominated by a Republican president, Democrats painted a bleak picture of America should Barrett be nominated to serve on the Supreme Court.Barrett's confirmation process was already set to be fraught with political controversy, given that Republicans successfully blocked President Barack Obama's nomination of Judge Merrick Garland for over half a year ahead of the 2016 presidential election, claiming that voters should have a say in the confirmation processIn fact, Ranking Member Dianne Feinstein, D-CA, used her opening statement to share a 2016 quote from Senate Judiciary Committee Chairman Lindsey Graham, in which he said he would wait to fill a Supreme Court seat if it came open between the opening of the primary process and the 2020 election.Feinstein also added that Democrats intended to focus on the "consequence" of "rushing" a Supreme Court nominee through the Senate.Senators will question Barrett beginning at 9 a.m. ET Tuesday, a process that will last into Wednesday. Graham says he hopes to have the confirmation hearing process wrapped up by Thursday.Democrats warn of loss of health careSeveral Democrats noted that in the past, President Donald Trump has only promised to nominate justices who will undo the Affordable Care Act — the law that enacted public health care and offered more consumer protections. They also pointed to Barrett's past criticism of Supreme Court decisions that have upheld parts of the law.Other Democrats, like Sen. Cory Booker, argued that Barrett's nomination was a ploy by Republicans to undo public healthcare initiatives and protections afforded by the Affordable Care Act, saying that a Barrett nomination would look like "deciding between buying medicine and buying groceries."Sen. Kamala Harris — the current Democratic vice presidential nominee — echoed those statements, claiming that President Donald Trump was attempting to "bypass the will of the American people" so they can strike down the Affordable Care Act. Sen. Mazie Hirono, herself a cancer survivor, wondered aloud if she would have survived had she been in a position that many Americans may find themselves in without government-backed healthcare.Graham has said that he expects Barrett to be confirmed to the Supreme Court a week before the Nov. 3 election. On Nov. 10, the Supreme Court is scheduled to hear a key case to determine the legality of portions of the ACA.COVID-19 fears shape hearingSeveral Democrats called out their Republican colleagues for even holding hearings amid a pandemic. Appearing virtually, Harris claimed it was "reckless" for the Judiciary Committee to hold in-person hearings and called out Graham for not requiring Senators to test negative for the virus before appearing in the room.At least two of the senators on the committee — Sen. Mike Lee, R-Utah, and Sen. Thom Tillis, R-North Carolina — have recently tested positive for the virus. Both at Barrett's nomination ceremony at the White House in late September — an event that has been described as a "superspreader" after about a dozen people in attendance, including President Donald Trump, tested positive for COVID-19. Lee, having been cleared by a Congressional physician, appeared in person. Tillis appeared on video teleconference.Graham said Monday that the hearing room had been deemed by the Capitol architect to be in compliance with CDC social distancing guidelines. Other Democrats said their time would be better spent working on passing more COVID-19 stimulus — something Trump has been willing to entertain in recent days.Republicans defend Barrett's character, call out those questioning her faithRepublicans defended Barrett's character by accusing Democrats of attacking her Catholic faith, often pointing to constitutional statues against "religious tests" as a qualifier for public office. Sen Josh Hawley, R-Missouri, specifically accused Harris of "anti-Catholic bigotry" by questioning past judiciary appointments fitness for office due to their membership in the Knights of Columbus, a Catholic organization.Sen. Joni Ernst, R-IA, further defended Barrett's character against those who she says had labeled her a "handmaid," saying that such accusations were "demeaning to women.""We don't have to fit a narrow definition of womanhood," Ernst said. At this point, Republican Senators have the votes to confirm Barrett. Graham has said he expects the process to be finished in the next two weeks — about seven days ahead of election day.Barrett pays homage to Scalia, GinsburgIn her opening statement, which was obtained and published by several media outlets, Barrett paid tribute to the late Justice Antonin Scalia — a conservative icon for whom Barrett worked for as a clerk early in her career. She said she shared in Scalia's philosophy of "textualism" — apply the law directly as it is written."A judge must apply the law as written, not as the judge wishes it were," Barrett said.Her opening statement also offered condolences to the justice whose seat she hopes to fill, Justice Ruth Bader Ginsburg."I have been nominated to fill Justice Ginsburg's seat, but no one will ever take her place," Barrett will say. "I will be forever grateful for the path she marked and the life she led." 5554

HOUSTON, Texas — Houston's police chief says four police officers have been terminated after an internal investigation determined they did not use reasonable force when they fired their weapons 21 times at a man who had been experiencing a mental health crisis.The man, 27-year-old Nicolas Chavez, was already injured and on the ground when he was shot and killed by the officers on the night of April 21.During a news conference Thursday, video footage was presented from body cameras showing Chavez, who had already been shot and was bleeding, kneeling on the ground and grabbing a stun gun when the four officers shot him.WARNING: The video below contains graphic clips and may be difficult to watch."Let me be clear, it's objectively not reasonable to utilize deadly force when a man's already been shot multiple times, has been tased, has been on the ground, has shown that he really cannot get up," said Police Chief Art Acevedo on Thursday. "I cannot defend that."At the briefing, Mayor Sylvester Turner said the dismissal of the four officers isn’t an indictment of the police department and its nearly 5,300 others officers.“But when you are wrong, there are consequences,” he continued. “And for the good of every police officer who serves, for the good of everyone that followed the rules, that protect this city, it is important for us to call a ball a ball, and a strike, a strike."Turner acknowledged the effect Chavez’s death has had on the city and expressed sympathy for his family."What happened the night of April 12 has dramatically affected many people and this City,” said the mayor. “Nicolas Chavez’ life was taken, and his family must live with their personal loss and anguish for the rest of their lives."Leaders with the Houston Police Officers’ Union denounced the firings, saying the officers followed tried to de-escalate the situation but were forced to shoot Chavez.“This unjust and deplorable decision by Chief Acevedo has sent a shock wave through HPD, even if you deescalate, retreat, follow policy, training and the law...you will still lose your job as a Houston Police Officer,” tweeted Joe Gamaldi, the president of the Houston union.Harris County District Attorney Kim Ogg said in a statement Thursday that prosecutes will be conducting an independent review of all the evidence in Chavez’s death and once it’s complete, the findings will be presented to a grand jury. They’ll determine whether charges will be brought against the officers involved. 2496

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