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TONGANOXIE, Kan. -- A small piece of fabric kept near a classroom door could help protect students in the event of an active shooter. It was three months ago that kindergarten teacher Tiffany Parker was sitting on her living room floor cutting up a fire hose. "One fire hose makes about 100-110 sections, and I had three hoses donated," said Parker, who teaches at Tonganoxie Elementary School in Kansas.Parker used to be the volleyball coach at Tonganoxie High School. She would use old fire hoses to line her practice drills. Now, the fire hose is keeping her classroom safe and secure when it's not just a drill. "We've always done the typical, you know, cover your window, lock your door, move away, but that never seemed to give us enough security," said Parker. On February 14, 2018, 17 students were killed in a school shooting in Parkland, Florida. "You know, seeing my kids' faces when they were first told, 'OK, if somebody comes in, here's what we're going to do,' before I had the Safety Sleeve, and they were still a little fearful," said Parker. Now, in her classroom of 21 students, Parker keeps the 6-inch piece of fire hose hanging by a magnet near the top of her classroom door. In a matter of seconds, the "Safety Sleeve" can be in place."All you do with it is you place it over the door hanger arm, as far as it will go and then they can't get in the door, it won't open," said Parker. The day after the Parkland shooting, Parker brought the Safety Sleeve into her classroom at Tonganoxie Elementary School. After showing her students how it works, Parker said her students felt more secure. "There was such a sense of relief and a sense of security by my kids and a sense of, 'OK, this isn't going to be it,'" said Parker. Parker presented the DIY device to her school principal. Now, she's made hundreds of them for the entire Tonganoxie School District. While she's created a low-cost safety device, Parker said she has no plans to make any money off of the Safety Sleeve. "So many people have asked me, 'Are you going to patent it? You should sell it.' I am not looking to make a dime on kids' lives," said Parker. California, Ohio and South Dakota have already picked up on the idea. Parker said school districts and fire departments have reached out to her to get the Safety Sleeve idea going in their own communities. 2444
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
Three years ago, Megan Yaeger bought her first professional camera.“It was like my first love. Ya know, when you pick it up and an angel chorus sings in the background,” Yaeger said.However, it wasn’t a purchase she had been planning for. She had been saving money to go to Disneyland and was forced to cancel due to all of the smoke from fires back in 2017. Yaeger says her lungs can’t handle smoke.“Remember kind of like back in school when they’d force you to run and you’d be really really out of shape? And you’d just be sitting there, kind of feeling like you’re dying? That’s what it feels like but you’re sitting there with the smoke and you can almost feel the particles going into your lungs and you just can’t get full expansion of your lungs and it’s the worst feeling," Yaeger said. She says her lungs are very weak because she lives with a connective tissue disease.“So like your whole body is made of connective tissue – your vascular system, your heart, your lungs, your joints, your eyes – and my body kind of chooses to attack all of it,” Yaeger said.Yaeger lives in a rural town in Utah. But with all the wildfires burning in the western U.S., she’s concerned about the smoke in the air.“Even like campfire smoke I can’t be around, so I can’t imagine people with my condition who are living like right next to the fires,” Yaeger said.It’s not just people with chronic conditions who can be impacted by prolonged exposure to wildfire smoke, especially during the COVID-19 pandemic. According to the CDC, people who currently have or who are recovering from COVID-19 may be at an increased risk of health effects from exposure to wildfire smoke due to compromised heart and-or lung function related to the disease.“We know air pollution exposure causes inflammation and cellular damage in our lungs, we know that air pollution just wreaks havoc on our lungs, and so all of this hints at wildfire smoke also doing the same,” said Erin Landguth, an associate professor with the Center for Population and Health Research at the University of Montana.She was the lead author in a study that looked at the delayed effect of small particles from wildfire smoke that gets into your lungs and irritates it. Her team wanted to understand how it may impact the following flu season in Montana.“We basically show that across these 10 years of data, after a bad fire season, one would expect to see three to five times worse flu seasons,” Landguth said.Landguth says this leads researchers to believe wildfire smoke could make people more susceptible to contracting the flu, but she says more in-depth studies need to be done to confirm that. COVID-19 is different from influenza, but considering COVID impacts the lungs, Landguth says there’s cause for concern as wildfires rage in several states.“The hypothesis that air pollution can act both as a carrier of the infection of COVID-19 and as a factor that can worsen the health impact of the COVID-19 disease has been a hot research topic,” Landguth said.Landguth emphasizes correlation doesn’t necessarily mean causation -- meaning higher flu numbers the same years as large wildfires doesn’t mean the wildfires cause worse flu seasons. However, she says they’re actively trying to learn more by expanding the study to other states. In the meantime, Landguth says vulnerable and sensitive groups should keep an eye on air quality alerts and stay inside with a proper air filter. Yaeger is doing exactly that.“Staying inside, and if I’m feeling really wheezy, doing a lot of breathing treatments and just listening to my body,” Yaeger said.No matter what comes her way, Yaeger says she chooses to remain optimistic.“When you’re faced with death so many times, you either have the choice to just be miserable, or find joy even in the smallest moments. It’s kind of almost a survival mechanism I think, optimism," she said. 3887
Time is running out with just five days to go before funding expires for several key federal agencies and no deal in sight to avert a partial government shutdown.On Capitol Hill, Republicans and Democrats alike have made clear they don't want a shutdown, but lawmakers left Washington last week without a resolution in an ongoing standoff over funding for President Donald Trump's long-promised border wall. The administration and congressional Democrats appeared to be no closer to reaching an agreement over the weekend.White House senior adviser Stephen Miller said on Sunday the administration would do "whatever is necessary to build the border wall," saying "if it comes to it, absolutely," when asked on CBS's "Face the Nation" if that would mean a partial shutdown. But Senate Democratic Leader Chuck Schumer insisted on NBC's "Meet the Press" on Sunday that the President is "not going to get the wall in any form," saying the votes aren't there in the House or the Senate.The window is narrow this week for Congress to take action. The Senate will be back on Monday, but the House of Representatives isn't expected to return until Wednesday evening. That leaves little time before funding runs out at midnight on Friday for a number of federal agencies, including the Department of Homeland Security, the Justice Department, and other parts of the government.Trump wants billion in wall funding, but that number is a non-starter for Democrats. Any spending legislation would need to pass with at least some Democratic votes since it would have to clear a 60-vote threshold in the Senate where Republicans only have a 51-seat majority.Some congressional Republicans were talking openly at the end of last week about the possibility that lawmakers could punt the border fight by passing a temporary, stopgap spending measure. If Congress and the White House agree to a short-term funding patch that could leave the issue for the new, incoming Congress to resolve in January.Outgoing Republican Rep. Jeff Denham of California told CNN's Kate Bolduan on Friday, "At this late in the game, I think a short-term resolution is in order, something that would allow the next Congress to actually come in and negotiate a much larger, longer agreement.""The question is ... will we kick the can until the day after Christmas, January 2nd or 3rd, or whatever?," Republican Sen. Richard Shelby, the chair of the Senate Appropriations Committee, told CNN on Thursday. "I don't know. There has to be some sort of breakthrough."So far, however, there has been no apparent breakthrough, and the threat of a partial shutdown moves closer to becoming a reality with each passing day.The President defiantly said during a dramatic meeting last week with House Democratic leader Nancy Pelosi and Schumer that he would take responsibility for a partial shutdown if one takes place."I'll tell you what, I am proud to shut down the government for border security, Chuck," Trump told the top Senate Democrat. "So, I will take the mantle. I will be the one to shut it down. I'm not going to blame you for it."If a shutdown takes place, it would be limited in scope. Congress has already funded roughly 75% of the federal government through September 2019, including the Pentagon as well as the Departments of Health and Human Services and Labor.But that doesn't mean a partial shutdown that would start just days before Christmas wouldn't be disruptive.In the event of a shutdown, some federal employees would be deemed essential and would continue to work, but their pay would be withheld until the shutdown is over.Other federal employees would be placed on furlough, meaning they would effectively be put on a leave of absence without pay. Congress could move to order that furloughed employees be paid retroactively after the shutdown is over, but that is not guaranteed. 3870
Though most people who protect themselves with a coronavirus vaccine will never develop serious side effects, such rare cases are barred from federal court and instead steered to an obscure program with a record of seldom paying claims.The Countermeasures Injury Compensation Program, which was set up specifically to deal with vaccines under an emergency authorization, has just four employees and few hallmarks of an ordinary court.A law professor who has studied the program calls it a "black hole," paying fewer than 1 in 10 claims in its 15-year history.According to the Associated Press, decisions are made in secret, claimants can’t appeal, and most payments in death cases are capped at 0,376.AP reported that most of the claims happened when Americans were given the H1N1 swine flu vaccine, and only 29 out of 499 people were awarded money.Although the National Institutes of Health is reportedly planning to study the reactions, 1 million Americans have already been vaccinated. According to the Centers for Disease Control and Prevention, six Americans as of Dec. 18 were identified as having a strong allergic reaction to the Pfizer/BioNTech vaccine.According to the CDC, two people in the U.K. reported having a strong allergic reaction as well.The CDC says people may still get vaccinated even if they have a history of severe allergic reactions not related to vaccines, like allergies to food, pet, or latex. 1434