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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

How many times do you say, "This weekend I’m going to organize my house," and then don’t? Bart Flerterski is the same way and I showed him how to declutter his house with 5 easy ideas.We began in his basement. That’s where he stores all of his stuff that he doesn’t know what to do with. Bart told me, he likes to avoid this room because it overwhelming.The first tip to declutter your house is to pick one item per day and get rid of it. By sticking to one item, the task of decluttering isn't as daunting.Step two, ask yourself, "Do you love it, do you use it and will you ever use it again?" If you love it and use it, then keep it. If not, get rid of it.If those two steps are too much to handle, start small. Everybody has a junk drawer. Clean out that drawer first and then work your way up to an actual room.Maybe you don’t have a messy basement, but you have a lot of paperwork scattered on your desk. It’s time to organize those papers. Skip the file cabinet and take out your smartphone. Take pictures of every document and store it in the cloud.  Last tip, adopt a zero accumulation rule. If you take one item in, then you have to take one item out. 1188

Hours ahead of the first 2020 presidential debate, Democratic presidential nominee Joe Biden released his 2019 tax returns, as well as his returns for the last 22 years."The American people deserve transparency from their leaders, it's why as of today, I've released 22 years of my tax returns," Biden tweeted Tuesday.According to Biden's 2019 return, the former Vice President reported more than 0,000 in income and paid 8,000 in taxes.The release comes amid a series of New York Times reports regarding two decades worth of President Donald Trump's tax returns. The Times reports that Trump did not pay income taxes for 10 of the last 15 years which they viewed, and only paid 0 in income taxes in both 2016 and 2017.The Times also reports that Trump is on the hook for more than 0 million in debt and loans, most of which will come due within the next four years. 886

In 1943, George H.W. Bush was more than 40 years away from becoming the 41st President of the United States. He was 19 and serving in the Navy during World War II. He was also deeply in love with his fiancee, Ms. Barbara Pierce, who would go on to be a beloved First Lady.A handwritten letter from Bush to his bride-to-be is housed at the George H.W. Bush Library and Museum in College Station, Texas, and it offers an intimate glimpse into the love story of a future presidential couple. The text of the letter is below.My darling Bar,This should be a very easy letter to write — words should come easily and in short it should be simple for me to tell you how desperately happy I was to open the paper and see the announcement of our engagement, but somehow I can't possibly say all in a letter I should like to.I love you, precious, with all my heart and to know that you love me means my life. How often I have thought about the immeasurable joy that will be ours some day. How lucky our children will be to have a mother like you —As the days go by the time of our departure draws nearer. For a long time I had anxiously looked forward to the day when we would go aboard and set to sea. It seemed that obtaining that goal would be all I could desire for some time, but, Bar, you have changed all that. I cannot say that I do not want to go — for that would be a lie. We have been working for a long time with a single purpose in mind, to be so equipped that we could meet and defeat our enemy. I do want to go because it is my part, but now leaving presents itself not as an adventure but as a job which I hope will be over before long. Even now, with a good while between us and the sea, I am thinking of getting back. This may sound melodramatic, but if it does it is only my inadequacy to say what I mean. Bar, you have made my life full of everything I could ever dream of — my complete happiness should be a token of my love for you.Wednesday is definitely the commissioning and I do hope you'll be there. I'll call Mum tomorrow about my plan. A lot of fellows put down their parents or wives and they aren't going so you could pass as a Mrs. — Just say you lost the invite and give your name. They'll check the list and you'll be in. How proud I'll be if you can come.I'll tell you all about the latest flying developments later. We have so much to do and so little time to do it in. It is frightening at times. The seriousness of this thing is beginning to strike home. I have been made asst. gunnery officer and when Lt. Houle leaves I will be gunnery officer. I'm afraid I know very little about it but I am excited at having such a job. I'll tell you all about this later too.The wind of late has been blowing like mad and our flying has been cut to a minimum. My plane, #2 now, is up at Quonset, having a camera installed. It is Bar #2 but purely in spirit since the Atlantic fleet won't let us have names on our planes.Goodnite, my beautiful. Everytime I say beautiful you about kill me but you'll have to accept it —I hope I get Thursday off — there's still a chance. All my love darling —Poppypublic fiancé as of 12/12/43Barbara Bush passed away this week at the age of 92 after an undisclosed illness. She is one of two women in American history to have had both a husband and a son elected President (Abigail Adams is the other).She and her husband met in 1941 at a school dance, when she was just 16."I married the first man I ever kissed," she would often say. "When I tell this to my children, they just about throw up."And they were married longer than any other presidential couple.She leaves behind a legacy of public service, in particular a conviction for literacy and education. Of her cause she once said, "I chose literacy because I honestly believe that if more people could read, write, and comprehend, we would be that much closer to solving so many of the problems that plague our nation and our society."And perhaps, there would be more love letters too. 3999

In a memo sent to state governors, the federal government says that states should be prepared to begin distribution of COVID-19 vaccines to the public this fall.The memo signed by CDC head Robert Redfield told governors that the federal government has contracted with the McKesson Corporation to assist in distributing the vaccine to local and state health departments, medical facilities, doctor officers, and other vaccine providers.In the letter, Redfield requested governors to waive any regulatory barriers that would prevent McKesson from operating distribution facilities. Redfield said the goal is to have these facilities operational by November 1.According to McKesson, the company provides “next-day deliveries” to pharmacies and has a nationwide network of distribution centers.While there is urgency for both public health and economic reasons for a vaccine, some experts have expressed concern over the speed of a vaccine and whether the expedited timeline is long enough to demonstrate efficacy. Dr. Anthony Fauci told NBC News on Wednesday that he believes a “safe and effective” vaccine could be ready by the end of the year."I believe that by the time we get to the end of this calendar year, that we will feel comfortable that we do have a safe and effective vaccine," he told NBC News.On Monday, a third vaccine candidate entered “Phase 3” trials in the US. AstraZeneca is testing its COVID-19 vaccine candidate for 30,000 participants. The AstraZeneca vaccine would come in two separate doses, according to the National Institutes of Health.Even though a vaccine could be ready by year’s end, trials will be expected to continue for over a year to monitor for possible side effects.According to the FDA, a typical Phase 3 trial would take one to three years.“NIH is committed to supporting several Phase 3 vaccine trials to increase the odds that one or more will be effective in preventing COVID-19 and put us on the road to recovery from this devastating pandemic,” said NIH Director Francis S. Collins, M.D., Ph.D. “We also know that preventing this disease could require multiple vaccines and we’re investing in those that we believe have the greatest potential for success.” 2208