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This year has brought a lot of changes for everyone and there could be a chance that those changes could translate to savings on your insurance policies.Bankrate is encouraging people with home and car insurance to take a fresh look at their policies.“You could save anywhere from a few dollars to a few hundred dollars, but it is going to depend on location, it is going to depend on your lifestyle, and how it has changed vs the past. So, it is worth comparing and really kicking the tires on various insurance policies from different companies,” said Stephen Kates, Insurance Analyst at Bankrate.There are several lifestyle changes that could have happened this year.Many people took on home improvement projects during this pandemic. Some of those may have included adding safety features to our home, which can help save money on home insurance.A lot of Americans are also driving a lot less now, which can help with car insurance.“If you're working from home, like a lot of us, you're probably driving significantly less than you used to and that's something you can bring up to your insurance carrier because that can significantly reduce the amount you pay for your premium,” said Kates.Insurance policies haven't necessarily changed, but the way insurance companies look at lifestyle changes may have changed, so it's worth checking in on your policies. Experts at Bankrate suggest doing so at least once a year. 1429

There is arguably no industry in the US that has been harder hit by the coronavirus pandemic than restaurants. A combination of restrictions placed on restaurants and public health experts advising the public to avoid restaurants has resulted in a decline for many eateries.The National Restaurant Association said it expects that 10,000 restaurants will close in the next three months, based on a survey of its members.The National Restaurant Association is hoping to get some additional relief from Washington. Last week, a bipartisan group of legislators put forth a stimulus bill that would include additional funding for the Paycheck Protection Program, which helped businesses make payroll early in the pandemic."In short, the restaurant industry simply cannot wait for relief any longer," said Sean Kennedy from the National Restaurant Association. "We appreciate the efforts of a group of moderate members of the House and Senate to advance a true compromise between the competing proposals from Democratic and Republican leaders. If this moderate plan represents a 'down payment' for a larger relief package in early 2021, it will provide restaurants with immediate relief to hold on through the most dangerous point in our business year."While restaurants are having receding revenues, restaurant costs are not declining, and in some cases, increasing, according to the National Restaurant Association’s survey. The survey found that 58% of full service restaurants are expecting to furlough or layoff additional employees over the next three months. That’s with 89% of full service restaurants already operating at below pre-pandemic staffing levels.The National Restaurant Association says that 17% of bars and restaurants fully closed either permanently or temporarily in November due to the pandemic."What these findings make clear is that more than 500,000 restaurants of every business type—franchise, chain, and independent—are in an economic free fall," said Kennedy.The restaurant industry is a major factor in the US economy. The National Restaurant Association says that 15.6 million jobs are tied to the restaurant industry spread across over 1 million locations.Public health experts have warned that indoor dining is problematic as masks cannot be worn while eating and drinking.“It’s clear when you do contact tracing about where you get these outbreaks, it’s bars, indoor seating at restaurants, particularly at full capacity,” Dr. Anthony Fauci said last week in a Facebook conversation with Colorado’s governor. “When you’re in a restaurant, it’s very tough to eat with a mask on unless you figure out something I don’t know about.” 2668

There's a lot of negativity on social media. Black trauma and negative views around the Black experience are showing up there, especially now.A new initiative called "Black Joy Matters" is trying to change this.“There's a huge importance in showing that Black existence is not all death, it is not all trauma, it is not all racial injustice,” said Shavone Charles. “It's a call for us to acknowledge our joy and acknowledge our healing and happiness during a time when we need it most.”Charles is leading the "Black Joy Matters" initiative for photo-sharing platform VSCO. About 76% of people in a new survey they did with Gen Z say they regularly or often see depictions of racial violence on their social media feed and it hurts them emotionally. Their feelings include hopelessness and anger.“We deserve to live our lives in spectrum, and you know showcase what those experiences look like inclusive of the trauma but not exclusive to trauma,” said Charles.A psychologist we spoke with agrees that it's important not to define the Black experience just by racial oppression. He says it's easy to do because there is so much of it. And Black joy can get overlooked.“Yes, we are sort of in the midst of all of these sorts of negative incidents, but even in the midst of those incidents, we not only sort of persist and survive, but we can and often times do continue to thrive,” said Kevin Cokley with UT Austin’s Department of of Educational Psychology.Cokley says the Black joy initiative is important for acknowledging the assets and strengths of the Black community, which is an approach that has been used in Black psychology for many years. But it can be helpful for others too.“I think it's helpful for non-Black people to recognize that you know the ways in which you might sort of caricature or stereotype Black people is very limited and does not give you the true perspective of their humanity,” said Cokley.He points at one positive we've seen from everything going on in our country now. It is bringing people together to be more civilly minded and socially justice oriented.The survey from VSCO also found 84% of Black Gen Z feel they have allies of other races on social media now. 2205

There is no God -- that's the conclusion of the celebrated physicist Stephen Hawking, whose final book is published Tuesday.The book, which was completed by his family after his death, presents answers to the questions that Hawking said he received most during his time on Earth.Other bombshells the British scientist left his readers with include the belief that alien life is out there, artificial intelligence could outsmart humans and time travel can't be ruled out.Hawking, considered one of the most brilliant scientists of his generation, died in March at the age of 76."There is no God. No one directs the universe," he writes in "Brief Answers to the Big Questions.""For centuries, it was believed that disabled people like me were living under a curse that was inflicted by God," he adds. "I prefer to think that everything can be explained another way, by the laws of nature."Hawking suffered from amyotrophic lateral sclerosis (ALS), a neurodegenerative disorder also known as Lou Gehrig's Disease, for most of his adult life.The scientist died while still working on the book, which his family and colleagues finished with the help of his vast personal archives.'Increasingly looking inward'While Hawking spoke of his lack of belief in God during his life, several of his other answers are more surprising."There are forms of intelligent life out there," he writes. "We need to be wary of answering back until we have developed a bit further."And he leaves open the possibility of other phenomena."Travel back in time can't be ruled out according to our present understanding," he says. He also predicts that "within the next hundred years we will be able to travel to anywhere in the Solar System.""He realized that people specifically wanted his answers to these questions," the scientist's daughter, Lucy Hawking, who helped complete the book, told CNN.Hawking saw the world on the brink of a "vast transformative change" when he died, she noted, adding: "He's asking us not to go into the future blindly. How good is the track record of the human race in using advances in technology for the good of ordinary people?"In remarks prepared by Hawking and played at the launch of the book in London on Monday, the scientist also turned his attention to the world he was leaving behind."With Brexit and Trump now exerting new forces in relation to immigration and the development of education, we are witnessing a global revolt against experts, and that includes scientists," Hawking said.Hawking had been a critic of the United Kingdom's decision to leave the European Union, and called Donald Trump a "demagogue" in 2016.His greatest concern, his daughter said, "is how divided we've become," adding: "He makes this comment about how we seem to have lost the ability to look outward, and we are increasingly looking inward to ourselves."Hawking's final message to readers, though, is a hopeful one.Attempting to answer the question "How do we shape the future?" in the book's final chapter, the scientist writes: "Remember to look up at the stars and not down at your feet." 3096

Thousands of Qualcomm workers are facing uncertainty as the San Diego tech giant considers Broadcom's 0 billion takeover bid. Analysts say a takeover could include layoffs.If that happens, those displaced workers may actually find their next job in a craft brewery or coffee shop. That opportunity stems from Qualcomm's 2015 layoff of 1,300 local workers.At the time, the San Diego Workforce Partnership decided not to hold a traditional job fair. The organization is charged with helping laid off workers find new jobs. But CEO Peter Callstrom said the traditional job fair wouldn't work, and opted for a more relaxed environment."We can do it with some great craft brew and conversation and find that next career path," he said. The partnership came up with a smaller, happy hour style job fair, where former Qualcomm workers could connect with local tech employers like ESET and Tritech Software Systems. It worked. And last year the White House honored the program. Now, hiring at Happy Hour events are taking place at craft breweries - and coffee shops - across the county, focusing on fields like health care, life sciences, advanced manufacturing and clean energy. The events are free and open to the public but you have to register ahead of time. A spokeswoman for the organization says the next ones should be in January.  1367