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April-through-June quarter, and the numbers were ugly. The number of passengers tumbled 93% from a year earlier, revenue plummeted 88%, and the company’s adjusted loss was worse than expected. 1495

As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

Army Specialist Vanessa Guillén murder has captivated the nation. The body of the 20-year-old was found only weeks ago, but her death is already prompting Congress to debate how harassment is handled in the military. Vanessa Guillén's Death There are still a lot of unknowns regarding why Guillén was killed but Army investigators have said it is possible she was a victim of harassment prior to her death. Guillén's family believes strongly that she was a victim. In terms of arrests, Cecily Aguilar has been charged with one count of conspiracy to tamper with evidence.Army Specialist Aaron Robinson killed himself when he was approached by police. Aguilar is Robinson's estranged wife. #IamVanessaGuillen movementAcross the country online, women have shared their stories of harassment in the military. The viral movement has raised awareness about the military's sexual harassment policy and prompted a bill to be introduced in Congress. 950

An announcement by the Commission on Presidential Debates (CPD) that the second debate between President Donald Trump and Democratic presidential nominee Joe Biden would take place virtually set off a chain of public negotiations regarding the status of the remaining debate schedule.For the third time on Thursday, Trump's campaign issued a statement concerning the Oct. 15 debate. The virtual format was likely made with safety in mind, as Trump contracted COVID-19 last week and may still be infected next Thursday. Biden had said earlier this week that debates should not be held while Trump is infected with COVID-19 for the safety of those involved.On Thursday, Trump's physician Dr. Sean Conley said he expects that Trump can resume public activity on Saturday following a 10-day isolation period from the coronavirus. The Trump campaign subsequently said that an in-person debate must move forward on Oct. 15. The campaign also accused the commission of "protecting Joe Biden." 994

Are you looking for some steaks to throw on the grill this weekend or on the Fourth of July?You may want to bring extra money; the pandemic is sending meat prices up sharply this month.High prices are starting to impact consumers, restaurants, and anyone who cooks meat for their business.Tyrique Ramsey and his family have served his community from a food truck for years, but he was forced to raise prices last week as pork costs skyrocketed."We used to be able to get it for .99 a pound, but now we are almost paying .99 a pound," Ramsey said.While chicken and ground beef prices are higher, the worst is steak, where prices have gone up almost 50% this year on some cuts. for a package of steakAt Walmart, basic strip steaks were a pound, which came to for a package of two small, shrink-wrapped steaks.One of the cheapest cuts of meat, chuck roast, was a pound, almost double from a year ago.Ground beef was in the (fatty) to (lean) a pound range as well, a far cry from the normal summertime price of a pound in many supermarkets.Shopper Jackie Thompson says she can't afford it anymore."I think it's ridiculous, it is totally ridiculous," she said. " for a steak!"At a nearby supermarket, bone-in ribeyes were at a pound, bringing the total to for one steak. Top-dollar cuts like filet mignon were nowhere to be found.The Hutchinson family wondered if short supplies to blame."It's still pretty thin in the meat aisle, for sure," they said.Government blames plant shutdowns and slowdownsThe Bureau of Labor Statistics says processing plant shutdowns continue to cause shortages.Even after those plants reopen, many will be on limited schedules with fewer workers.The Labor report says beef prices rose 11% in May. The average retail price of beef roast rose a whopping 19% during the month.In addition, prices for chicken, tomatoes and even ice cream went up the government said.Restaurants forced to raise pricesRamsey has had to explain why his price board has gone up in recent days, just as many restaurants are raising their menu prices."I just had to go up a few more dollars," he said. "But a lot of the customers, they kind of understand, we explain it to them."Grocery stores insist they are not profiting from rising prices. Still, attorneys general offices in several states are investigating the source of these price hikes, which appear to be linked to processing and slaughterhouse shutdowns due to COVID-19.Until the pandemic subsides, prices could remain on the high side. As always, don't waste your money.__________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money-saving advice, go to www.dontwasteyourmoney.com 2842

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