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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

Hurricane Harvey was a big headline in 2017. A year later, many continue to recover from the storm. They’re also remembering the government’s response, as they head to the polls to cast their ballots in the upcoming midterm election.“Yes, for the last three and a half years, walking into this house has been very depressing, I would say,” says Houston homeowner Greg Roberts.It hasn’t been easy for the Roberts, who live in Houston’s Meyerland neighborhood."We got flooded out in 2015, 2016, and 2017 with Harvey, as well," Roberts says.The Roberts haven’t lived in this home since it was first flooded in 2015. Harvey brought in more flood damage.Now, the couple is raising their home's foundation higher than the levels Harvey's waters reached. "If you look up and down the streets of this neighborhood and many others, you will find many others that have been lifted or completely demolished," Roberts says.Many residents in the area are preparing for the next storm. But the past isn't lost in this election cycle.  "The topic of flooding and recovery from flooding has not left the public conscious for at least the last three years, probably before, especially the past three and a half years,” Roberts says.Roberts says it’s a major talking point for politicians in Texas.After so much flooding, the Roberts say they've already answered another tough question about their future. Why do they stay?“That's a good question,” Roberts says. “It's a person by person decision; there's no question about that. We love for years. We fought for years to get into this neighborhood. So, we just really love the areas."There were a lot of things we really love about this neighborhood, so we stuck it out. We prayed about it thought about it and took all things into consideration." 1808

If American religion were traded at a stock exchange, your broker might be telling you to sell. The trend lines don't look great and haven't for quite some time.Social scientists and religious leaders have lots of theories about the long, slow slide, blaming it on everything from the internet to the politicization of conservative Christianity.A new Pew Research Center study offers something different: a survey of 4,729 Americans telling us precisely why they do (or don't) attend religious services.Some of their answers are unsurprising. Americans who don't believe in religion don't often attend church. Because duh.But the survey may confound other stereotypes about other Americans who rarely, if ever, attend church. As it turns out, they're all not atheists, or even members of the "spiritual but not religious" crowd. Many say religion is important in their lives, and lean conservative, politically."The people who attend religious services less often are not a monolithic group," said Becka Alper, a research associate at Pew.First, here are the top 10 reasons given by Americans who attend religious services at least once a month, according to Pew. Survey respondents were allowed to give more than one reason. The percentage refers to people who said this was a "very important" reason for their decision: 1329

I am heartbroken to hear of the passing of Dr. Rebecca Shadowen, a front line hero who worked tirelessly to protect the lives of others. Our thoughts and prayers are with her family, friends and colleagues.https://t.co/sAPptGy0lJ— Governor Andy Beshear (@GovAndyBeshear) September 12, 2020 297

In a move that reminded some people of road trips with their parents, a Delta flight turned around and went back to the gate because passengers were not complying with crew instructions.In a statement from Delta Airlines, Flight 1227 from Detroit to Atlanta on July 23 “returned to the gate following two customers who were non-compliant” with the airline's mask policy.The plane had pulled away from the gate and was still on the ground when it turned around. Delta says crew members asked the two passengers to wear a mask, and they did not.At the gate, the two passengers who did not wear a face covering were removed from the flight. The plane then took off for Atlanta as originally planned. 704