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It's no secret that this is a challenging time for many, and the insurance industry is reacting to the new world we're in as a result of COVID-19.They're implementing everything from rebates and refunds to new policies.As many aspects of life are different now, motorists are traveling less and getting in fewer accidents. Recent events have also caused an increased interest in life insurance.“More customers are considering life insurance (as) an opportunity for us to help them recover from the unexpected around COVID,” says Kristyn Cook, senior vice president of agency marketing at State Farm Insurance.Interest in life insurance is swelling across the nation and being noticed industry wide. The Insurance Information Institute helps people understand insurance and what it does.Insurance Information Institute director Janet Ruiz said COVID-19 got people thinking.“I think they’re concerned and thinking about mortality and illness in the world,” Ruiz said. “It’s always important to have life insurance but sometimes people are so busy, they’re not paying attention to these types of needs they have whereas right now they’re looking at their financial picture and thinking, ‘Hey, I should have life insurance for my family and make sure they’re taken care of if something happens to me.’”And she says they have more time to prepare for catastrophe.For State Farm, that's helping people navigate what could happen in your region."There are very real significant risks relative to wildfires in California or hurricanes in Florida, or storms in general,” Cook said. “One of the things we pride ourselves on not just helping people recover when something happens but how to help them think about risk mitigation on the front end.”Cook says State Farm's 19,000 agents across the country are talking to clients about how to protect your home. Things like taking inventory, reviewing what kind of coverage you have and what you can do to structurally to protect your home. These are things, that before COVID-19, people would push off for a later date.“People are home and they have more time sometimes to think about the what if scenarios and that intersects with our reach out by our agents to say how can we help you," Cook said.Another big change is automotive coverage. Auto insurance customers policy should check their policies and reach out to their agents. Companies are sending refunds or rebates to customers due to changing driving habits.“We call it good neighbor relief program,” Cook said. “Payment flexibility, options relative to providing relief, we announced a dividend, a return of value to customers to the tune of billion recognizing they are doing less driving and there are fewer accidents.”Some are beefing up homeowner and renter policies, again, thinking about things as they're home and reviewing their properties.“If there’s a water leak, they’ll detect it quickly and get it fixed and they’re not having as much theft because they’re around the house and so you don’t have the thieves coming in while you’re at work,” Ruiz said.She also said most agencies are allowing you to put off payments for a month or two if you need a financial break. State Farm realizes that looks different for every customer and their unique situation. 3275

In the 2020 general election, President-elect Joe Biden beat out a number of formidable candidates to earn the highest office in the land, including President Donald Trump, Libertarian nominee Jo Jorgensen and Santa Claus.Yes, even ol' Kris Kringle received at least one vote for president in 2020, according to the Vermont Secretary of State's website.Every state has its own rules for conducting write-in candidates. In fact, according to Ballotpedia, most states will only accept votes for certain pre-approved write-in candidates.Ballotpedia reports that only eight states — Alabama, Delaware, Iowa, New Hampshire, New Jersey, Oregon, Vermont, and Wyoming — will count the write-in votes for any write-in candidate. And of those states, it appears only Vermont publishes the name of every write-in candidate on its election results webpage.Write-in candidates received 1,942 votes for president in Vermont in the 2020 presidential election. That's compared to the 242,820 that Biden received in carrying the state. It's also more than the 1,269 that independent candidate Kanye West received, despite being listed on the ballot.Among write-in candidates, Sen. Bernie Sanders received the most with 619. That's not exactly a surprise — the left-wing, progressive senator calls the state home and is currently in the midst of his third term as one of the state's senators.Other top vote-getters included moderate Republicans like Sen. Mitt Romney (57 votes) and former Ohio Gov. John Kasich (30 votes). Candidates who sought the 2020 Democratic presidential nomination, like Rep. Tulsi Gabbard (78 votes), Andrew Yang (42 votes) and Pete Buttigieg (24 votes) were also among the top vote-getters among write-ins.Notably, 37 Vermonters thought Vice President Mike Pence should get a promotion to the Oval Office.Dr. Anthony Fauci, the nation's top infectious disease expert, also received a handful of votes. When totaling up various iterations of his name (Dr. Anthony Fauci, Dr. Fauci, Tony Fauci, etc.), he received 13 write-in votes.Then, there were the celebrities. TV hosts Oprah Winfrey (6 votes) and Mike Rowe (5 votes) racked up multiple write-ins. Jennifer Lopez received a vote, as did LeBron James and Dwayne Johnson. There was even a write-in for a ticket of Tyra Banks and "John Teffer" — though that voter may have misspelled the name of Jon Taffer, the host of reality TV series "Bar Rescue."Write-in votes also dipped into the fantastical and absurd. In addition to "Santa Claus," "Walter White," "Michael Scott" and "Tord Sandwich" all received a vote.Finally, it wouldn't be Vermont without at least one vote for "Cheddar."See the full list of people who received a write-in vote by clicking here. 2725

It’s official, summer 2020 was the hottest on record in the Northern Hemisphere.The National Oceanic and Atmospheric Administration released their monthly report on global temperatures. August 2020’s temperatures around the world made it the second-warmest August on record behind 2016, and the third-hottest season.Here in the Northern Hemisphere, August set a new record with a temperature departure from average of 2.14 degrees F, beating 2016’s numbers.“The most notable temperature departures from average were observed across Alaska, eastern Canada, the western contiguous U.S., Europe, northern Russia, central South America, Western Australia, eastern Antarctica, and across the North Pacific, the Bering Sea, and the Barents Sea, where temperatures were at least 2.0°C (3.6°F) above average,” NOAA scientists observed.The three-month season, June-August, surpassed the previous global record reached in both 2016 and 2019. This period is winter in the Southern Hemisphere, and they also had warmer weather than normal. Australia also had a drier than usual winter, 31 percent below average for precipitation.Globally, the ten hottest Augusts have all happened since 1998, and the five warmest have happened since 2015.Scientists believe 2020 will very likely rank in the top five warmest years on record.Also noted in the report, arctic sea ice continues to decline. The average Arctic sea ice coverage in August was the third smallest on record, about 29 percent below the 1981-2010 average. 1509

Ivanka Trump last year used a personal email account to discuss or relay official White House business, according to emails released by a nonpartisan watchdog group.The Washington Post reported Monday the White House conducted an investigation into Trump's email usage and that she used her personal email address for much of 2017.According to emails released by the watchdog group, American Oversight, Trump used her personal account to email Cabinet officials, White House aides and assistants. The Presidential Records Act requires all official White House communications and records be preserved.Austin Evers, the executive director of American Oversight, said in a statement, "The president's family is not above the law, and there are serious questions that Congress should immediately investigate. Did Ivanka Trump turn over all of her emails for preservation as required by law? Was she sending classified information over a private system?"The White House had no comment on Ivanka Trump's email practices.A person close to Ivanka Trump told CNN's Poppy Harlow that "Ivanka's mindset is there is no malintent, and she is comfortable because there was no intent to avoid.""There was no intent to avoid government servers. All of it has been preserved," the person continued explaining that if Ivanka Trump sent an email from her personal email to a government employee, then it hits the government server.That response mirrored the argument Clinton made when defending her use of a private email server when it was an issue during the 2016 presidential campaign."The vast majority of my work emails went to government employees at their government addresses, which meant they were captured and preserved immediately on the system at the State Department," Clinton said in a speech in March 2015.Trump's usage of a private email account will bring comparisons to former Secretary of State Hillary Clinton, whose usage of a private email server instead of a government email account during her time in office was a central part of President Donald Trump's campaign against her in 2016. Trump's supporters often chanted -- and still do, on occasion -- "Lock her up!" at the mention of Clinton, and President Donald Trump has frequently accused Clinton of receiving special treatment because she was not charged for skirting the Presidential Records Act with her email practices.A source close to Ivanka Trump told CNN's Poppy Harlow that "Ivanka's mindset is there is no malintent, and she is comfortable because there was no intent to avoid."."There was no intent to avoid government servers. All of it has been preserved," the source continued explaining that if Ivanka Trump sent an email from her personal email to a government employee, then it hits the government server.This is similar to the argument Clinton made when defending her use of a private email server when it was an issue during the 2016 presidential campaign."The vast majority of my work emails went to government employees at their government addresses, which meant they were captured and preserved immediately on the system at the State Department," Clinton said in a speech in March 2015.The Post reported Ivanka Trump's attorney, Abbe Lowell, forwarded all the emails he believed were related to official government business to her government email account. Lowell believed that would rectify any violations of records law.Peter Mirijanian, the spokesperson for Lowell and ethics counsel for Ivanka Trump, said in a statement, "Like most people, before entering into government service, Ms. Trump used a private email. When she entered the government, she was given a government email account for official use. While transitioning into government, until the White House  provided her the same guidance they had to others who started before she did, Ms. Trump sometimes used her private account, almost always for logistics and scheduling concerning her family."Some advisers to President Trump were alarmed when they heard this news, the Post reports, because of the similarities to Clinton's email use. Trump has called Clinton "Crooked Hillary" for using a personal email account when she was secretary of state.Mirijanian sought to draw a specific contrast between Ivanka Trump's personal email usage and Clinton's, by noting that she did not have the server set up in her home or office."To address misinformation being peddled about Ms. Trump's personal email, she did not create a private server in her house or office, there was never classified information transmitted,  the account was never transferred or housed at Trump Organization, no emails were ever deleted, and the emails have been retained in the official account in conformity with records preservation laws and rules," Mirijanian's statement continues.White House officials were first made aware of Ivanka Trump's email usage through American Oversight's lawsuit, according to the Post.Evers added, "For more than two years, President Trump and senior leaders in Congress have made it very clear that they view the use of personal email servers for government business to be a serious offense that demands investigation and even prosecution, and we expect the same standard will be applied in this case."This is story has been updated.The-CNN-Wire 5316

Instead of planes, trains, automobiles, and hotels, more and more travelers are considering renting an RV for upcoming trips.After all, there is virtually no risk of contracting COVID-19 when you are sleeping and eating in your own home on wheels.But while it appears a great way to travel, you need to know the pros and cons before you rent a camper (that you pull) or motor home (that you drive).It's the vacation rage of 2020, according to Money magazine, which calls RV's "virus friendly," since you drive across the country with your own bedroom and kitchen.But Money says many people end up surprised at the total cost, which can total a lot more than you first think.Know the real costRV rental can range from 0 to 0 per night, similar to a hotel room.Campsites are another to as much as 0 a night, depending on location and amenities.Gas can cost to 0 per day, even with today's low gas prices, as most motor homes get just 5 to 10 miles per gallon.Your auto insurance may not cover the full value of that RV, and your credit card may not cover it at all. That means you may have to pay or more per day for RV insurance.Add it up and you can end up spending 0 - 0 per night, though it is still cheaper than a 0 a night luxury resort.One other downside: many rental RV's are budget models, without all the high-end amenities you see at RV shows. Tour the model first, before you rent.Pull-behind camper or motor home?Campers that you pull tend to rent for less than models you drive.But think twice about a pull-behind camper if you have never towed a vehicle before. You will need an SUV or pickup built for towing, with a tow package that includes brake light hookups.And if you have never towed anything, you could be in for a surprise when you try to back up.A small or mid-size motor home that you drive is usually best for first-timers, experts say.And you have your own COVID-free accommodations, which can be well worth the cost.Bottom line: Campers are a great way to travel safely during the pandemic. Interested? Check a major rental firm like Cruise America. Or rent directly from owners at RV Share.Just know all the costs involved, so you 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 2534

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