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Remember when we used to make plans? It was so long ago now you may not remember, but we actually used to start booking our holiday travel in the summer before prices rose to unaffordable levels. That’s right: We could predict what the world would be like months in advance back then.Times have certainly changed; now, some travelers are starting to wonder whether and how to plan for the holidays. Does it make sense to buy plane tickets? What about using points and miles? And what are the chances of a second (or is it third?) wave of the pandemic?I’ve spent the last few months wading through COVID-19 travel policies, spreadsheets full of airfare and hotel data and other boring industry effluvia so you don’t have to. And I’ve got a few nuggets of advice for anyone thinking about booking holiday travel.For starters: Why rush?Should I book now?Years of conditioning have taught us all the perils of waiting until the last minute. But if you haven’t noticed, this year is not like the others, and travel demand is unlikely to reach normal no matter what happens in the next few months.In other words: You shouldn’t feel any rush to book travel until you’re ready.In fact, you might end up paying more if you book in advance rather than closer to your travel dates. Recently, I analyzed a bunch of hotel price data and found that the cost of booking the same room dropped dramatically when booking 15 days in advance, compared to booking four months in advance.That is, the same rooms cost an average of 7 when booked within 15 days compared to 2 when booked four months in advance. And while this trend might not hold into the winter or through the holidays, it’s certainly a good indication that you’re unlikely to save money by booking hotel rooms now.The trend isn’t quite as dramatic for airfare, though it’s possibly more remarkable, since booking within 15 days has historically been a recipe for getting fleeced.Which airline should I fly?This one’s easier: Delta.We performed a big analysis of airline policies in response to COVID-19 and found that Delta had the best overall rating, with Southwest and Alaska hot on its heels.I won’t bore you with all the details here, but some of the factors we took into consideration include:Mask policy enforcement.Blocking seats and limiting capacity.Offering flexible change and cancellation policies.This last bit is especially important when booking holiday travel this year: Make sure the tickets you purchase can be changed or canceled without incurring a fee. This has gotten significantly easier with various COVID-19 waivers and four major airlines, including Delta, all announcing the elimination of most change fees. Be aware of restrictions that remain around basic economy fares.What about points and miles?Hotel points and airline miles can usually offer good workarounds for sky-high holiday prices. Notice that pesky “usually.” Since cash prices are so low, using points and miles is unlikely to offer better than average value this year.That doesn’t mean you shouldn’t use miles, just that you won’t get especially good bang for your buck from them right now.Will it be safe?That’s the trillion-dollar question, isn’t it? I’m no epidemiologist, so I’m reluctant to wade into these waters, but there is something important to keep in mind: Where are you planning to travel in December?The Institute for Health Metrics and Evaluation at the University of Washington offers public projections for the pandemic broken down by country and state. These reveal some pretty startlingly different scenarios for different parts of the country.For example, the daily per capita infection rate in California is projected to rise from 42.6 per 100,000 today to 155 per 100,000 by December. New York state in December is projected at 30 per 100,000, up from the current 4.4. Utah’s rate is expected to skyrocket to 179 per 100,000 from today’s 13.5.Of course, these are only projections, and nobody knows what will actually happen by December, but it’s good to keep in mind when planning travel. You don’t want to go from a relatively safe spot into a hot zone (or a hot zone into a safe spot, for that matter).In fact, for everyone’s sake, my personal take is that we should all err on the side of staying home.More From NerdWalletAnalysis: How Have Hotel Prices Changed in 2020 vs. 2019?How to Plan Holiday Travel for Maximum Flexibility in 2020Why Won’t the FAA Require Masks?Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. 4542

Republican senators' latest attempt to repeal Obamacare could be the most far-reaching of GOP efforts this year.Senators Lindsey Graham of South Carolina and Bill Cassidy of Louisiana last week released?a bill that would eliminate or overhaul major sections of the health reform law. The duo had been trying to garner interest in earlier versions of their bill for months, but hadn't gotten much traction.Now, however, Republicans likely have only two weeks left to use their 2017 budget reconciliation bill as a way to dismantle Obamacare with a simple majority in the Senate. The Graham-Cassidy bill is the only repeal effort left on the table, coming even as a bipartisan Senate committee is working on legislation to stabilize the Affordable Care Act.The Congressional Budget Office said Monday it may take several weeks for it to release an analysis of the Graham-Cassidy bill so it remains to be seen how many fewer people could be insured under it or what the impact on premiums may be.Here's what's in the bill:Repeal Obamacare individual and employer mandates: Obamacare levies penalties on most Americans who don't have health insurance and larger employers who don't provide affordable coverage for their workers. The bill would eliminate the penalty, retroactive to 2016.Repeals Obamacare subsidies and ends Medicaid expansion funding: The legislation would eliminate Obamacare subsidies that lower premiums, deductibles and co-pays in 2020. It would also jettison federal funding for Medicaid expansion, which 31 states use to provide coverage for residents with incomes up to about ,000.The legislation would turn the federal funding for Medicaid expansion and the subsidies into a block grant program. States would be given a lump sum of money and would have a lot of leeway over how to spend it.For instance, they could help enrollees pay their premiums and out-of-pocket costs or set up high-risk or reinsurance pools to help protect insurers from costly enrollees and entice them to stay in the individual market. States could use a portion of money to help those enrolled in Medicaid afford care.Graham and Cassidy say that this provision would return power to the states and allow them to create programs that fit their residents' needs. Also, it would equalize Medicaid funding across the states. The bill's authors note that four states get 37% of Obamacare funding.But Democrats and consumer advocates say that many states, particularly those that expanded Medicaid, would lose a lot of federal funding, making it harder for them to provide coverage or assistance to their residents. Also, they note, the block grant is only authorized through 2026, jeopardizing the continuation of funding after that.Loosens Obamacare's regulations regarding pre-existing conditions: The bill would also waive several key Obamacare protections for those with pre-existing conditions. While it would still require insurers to provide coverage to everyone, it would allow carriers to charge enrollees more based on their medical history. So younger, healthier folks could see their premiums go down, but sicker Americans could find themselves priced out of policies.The legislation also would eliminate Obamacare's essential health benefits provision, which mandates insurers cover an array of services, including hospitalization, maternity care, prescription drugs, mental health and substance abuse services. This could lower premiums somewhat and give consumers a wider choice of plans. But it would also make it harder for people to buy comprehensive policies so those with pre-existing conditions may not be able to find coverage that meets their health care needs.Revamps funding for Medicaid overall: The legislation would send the states a fixed amount of money per Medicaid enrollee, known as a per-capita cap, starting in 2020.States could also opt to receive federal Medicaid funding as a block grant for the non-disabled adults and children in their program. Under a block grant, states would get a fixed amount of federal funding each year, regardless of how many participants are in the program.States, however, cannot opt to receive block grant funding for elderly and disabled participants.Graham-Cassidy would also shrink the program even more over time by pegging the annual growth rate of funding for children and non-disabled adults to standard inflation after 2024, rather than the more generous medical inflation.Either per-capita caps or block grants would limit federal responsibility, shifting that burden to the states. However, since states don't have the money to make up the difference, they would likely either reduce eligibility, curtail benefits or cut provider payments. The block grant would be more restrictive since the funding level would not adjust for increases in enrollment, which often happens in bad economic times.Allows states to institute work requirements for Medicaid: States would now be able to require adult Medicaid recipients to work. The disabled, elderly and pregnant women would be exempt, however.Permits everyone in the individual market to buy catastrophic plans: Obamacare only allows those under age 30 to buy catastrophic policies, which usually have higher deductibles and fewer benefits. This legislation would allow anyone to buy these plans starting in 2019.Repeals a handful of taxes: The bill would repeal the tax on over-the-counter medicine, health savings accounts and medical devices, a levy unpopular on both sides of the aisle. But it keeps in place Obamacare's taxes on the wealthy, health insurers and others.Defunds Planned Parenthood: In keeping with longstanding Republican beliefs, the legislation prohibits federal funding for Planned Parenthood. But the restriction is only for a year, beginning when the bill is enacted.Increases maximum contributions to health savings accounts: Today, individuals can save up to ,400 and families can save up to ,750 a year tax-free in a health savings account. The bill would raise that limit to the annual out-of-pocket maximum for high-deductible plans. For 2018, that would be ,650 for individuals and ,300 for families. 6238

President Donald Trump's televised meeting Wednesday with lawmakers on gun control "made for great TV," a National Rifle Association spokesperson told CNN -- but the group was not entertained by the President's apparent sharp turn on policy."While today's meeting made for great TV, the gun-control proposals discussed would make for bad policy that would not keep our children safe," NRA public affairs director Jennifer Baker said. "Instead of punishing law-abiding gun owners for the acts of a deranged lunatic, our leaders should pass meaningful reforms that would actually prevent future tragedies."Lawmakers should focus on "fixing the broken mental health system, strengthening background checks to ensure the records of people who are prohibited from possessing firearms are in the (National Instant Criminal Background Check) system, securing our schools and preventing the dangerously mentally ill from accessing firearms," Baker added.During the meeting, Trump insisted that he is "a fan of the NRA," but he chided Republicans for being "afraid" of the gun lobby. Meanwhile, he expressed openness to measures that the NRA and some Republicans oppose, including raising the age limit to purchase firearms to 21 from 18. The President's remarks left Republicans visibly shell-shocked and Democrats giddy.Trump was skeptical that major gun policy changes would present a political risk, saying it would be "so easy" to harness the 60 votes needed to avert a filibuster in the Senate. And he pointedly dismissed the power of the NRA to derail the effort, telling lawmakers in the room, "They have great power over you people, they have less power over me.""Some of you people are petrified of the NRA," Trump added. "You can't be petrified." 1756

Protecting yourself from sickness has become a top priority for many people right now.Whether you're trying to steer clear of the novel coronavirus or germs in general, there are a few simple things families can do to keep their immunity in top form."First, it's important to remember that nothing you do is 100% guaranteed in preventing you from getting sick, but there are certain lifestyle changes you can make that can actually help your immune system react better when there are pathogenic invaders that would cause diseases," said SaVanna Shoemaker, a registered dietician with Healthline.Shoemaker and other experts overwhelmingly say getting enough sleep is number one."Making sure that you’re getting plenty of sleep,” said Shoemaker. Sleep and immunity are so deeply linked, so just getting adequate sleep can help you from getting sick as often.""When you have a disruptive sleep cycle and you're not getting good, adequate, restorative sleep, then our immune system takes a hit for that," said Joe Weydert, the Chair of Integrative Medicine at the American Academy of Pediatrics.She says younger children need nine to 11 hours of sleep, while teenagers could use eight to 10 hours.Also, watch out for stress. Consistent, high levels of stress can weaken your immune system."In these goofy times that we’re living in right now, we’re all experiencing high levels of stress. Kids may not say 'Oh mom, I’m stressed,' but they may manifest it by being more irritable or not sleeping well," said Weydert.Getting outside or prioritizing time to relax can help.Another major factor in keeping our immunity strong is our diet – eating rich, whole foods that are not processed. Probiotics can also help.As for supplements, "the thing you need to consider with supplements is there’s no guarantee. Now there are some supplements that some studies show may boost your immunity, but so far there’s no research in any supplement that shows it can prevent COVID-19," said Shoemaker.Vitamin D has a direct impact on our immune system, preferably straight from the sun. Elderberry is a supplement that's strongly recommended by many doctors for families, as it acts as a barrier to viruses."Other nutrients which I think are important are vitamin C and zinc. Those work together to help make what we call tight junctions in the epithelial cells. So, our epithelial cells need to be tight together so germs can't get through and vitamin C and zinc help maintain that tight junction with things," said Weydert.While supplements are certainly beneficial, experts advise getting the vitamins naturally through food. These tools are helpful in keeping your immune system at its best and a great addition to other safety measures like wearing a mask, washing your hands and social distancing as many do their best to avoid COVID-19. 2830

RANCHITA, Calif. (KGTV) -- The bodies of three people killed in a plane crash at Volcan Mountain are being recovered Monday.The victims haven’t been identified at this time. Authorities were finally able to reach the site for the first time Sunday after they said high winds Saturday prevented crews from reaching the location.The crash also sparked a brush fire that CalFire said was 100 percent contained as of Sunday afternoon.RELATED: Three people found dead in plane wreckage that sparked Volcan Mountain fireThe brush fire burned 12 acres in all. Roughly 70 firefighters spend Friday night into Saturday fighting the fire. Friday, officials with the San Diego County Sheriff’s Department said they located the wreckage of a “possible crash site in the area, but couldn’t get to the site due to the fire.The plane’s tail number is linked to another incident in August of 2013, according to a report.RELATED: Crews battling brush fire near Volcan Mountain in Julian area discover plane wreckageDuring the 2013 incident, the twin-engine Beechcraft Duchess experienced a hard landing at Gillespie Field which collapsed a nose gear.  1162