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Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701

With coronavirus cases ramping up in a number of US states, more and more US governors have issued mandates to wear masks while in public settings.The continued spike in COVID-19 cases has caused several states to close bars and pause plans to reopen some businesses such as movie theaters.While a number of states had previously mandated masks in many public spaces, several more have been added to the list in recent days. Requiring face coverings are largely being seen as a way to avoid reinstituting stay-at-home orders, which most states implemented during the spring.Researchers from the University of Washington say that a projected 33,000 American lives would be saved between June 23 and October 1 if 95% of the population wore masks in public settings.A study in the Lancet found that the use of masks and respirators by those infected with the virus reduced the risk of spreading the infection by 85%. The authors analyzed data that showed that N95 respirators in healthcare settings were up to 96% effective. Other masks were found to be 77% effective.The following states generally require face coverings to be worn in public:Alabama - July 16Arkansas - July 16California – June 18Colorado - July 17Connecticut – April 20Delaware – May 1District of Columbia – May 16Hawaii - April 17Illinois – April 30Indiana - July 27Kansas - July 3Kentucky - July 10Louisiana - July 13Maine – April 29Maryland – April 18Massachusetts – May 6Michigan - April 24Minnesota - July 25Montana - July 16Nevada – June 24New Jersey - April 10New Mexico – May 15New York – April 15North Carolina – June 26Ohio - July 23Oregon - July 1Pennsylvania – April 18Puerto Rico Rhode Island – May 8Texas - July 2Vermont - August 1Virginia - June 8Washington - June 26West Virginia - July 7Some states, like Ohio and Texas, require mask wearing only in counties where there are high coronavirus case rates. More than a dozen other states have issued recommendations for wearing masks. Some of those states require employees in certain fields to wear a mask while at work. 2059

While not as many Americans are expected to travel for Thanksgiving as usual, 56% of Americans are intending on traveling according to data from Tripadvisor. Tripadvisor says that this year's figures are down from an estimated 70% of Americans travelling in 2019.Tripadvisor surveyed Americans from October 16 to 20, so it is possible increased travel restrictions associated with a rise in cases could scare off some from traveling by Thanksgiving. Many states are telling travelers to quarantine for two weeks before coming into contact with others. The vast majority of those traveling, 76%, say they will drive to their Thanksgiving destination, compared to just 11% who say they will fly.The survey found that 22% are staying in a hotel or vacation rental to practice social distancing from friends and family."Despite COVID-19 concerns, the majority of Americans are still traveling this Thanksgiving. The way in which consumers travel, however, will look very different from past years," said Christopher Hsi, Consumer Market Research Lead Analyst for Tripadvisor. "This year, we can expect shorter trips with smaller groups of people for more intimate, close knit gatherings. Many are taking day trips (24%) or spending one night at their destination. Americans are also continuing to avoid big cities, instead opting for warm weather and beach destinations in southern states. We do see, however, that Boomers are less likely to travel this year compared to last (29% vs. 51%)."Whether Americans can safely travel for the holidays remains up for debate, as many public health experts warn that informal gatherings have contributed to the spread of the virus, which has been killing roughly 1,000 Americans per day in recent days.“Unfortunately, the COVID-19 epidemic is worsening, and small household gatherings are an important contributor to the rise in COVID-19 cases,” the CDC said.The CDC issued guidance for holiday gatherings. Part of the recommendations say masks should be worn at holiday gatherings involving people who are not from the same household, and that guests stay 6 feet apart. The CDC also advises against handshakes and hugs.One public health expert says following these guidelines is dependent on your risk tolerance.“I am very risk tolerant,” Dr. Amesh A. Adalja, a senior scholar at the Johns Hopkins Center for Health Security, said in August. “I am an infectious disease physician. I have taken care of people with the coronavirus. Both of my parents are physicians. I don’t take any special precautious with my parents. I don’t think they take any special precautious with me.“I think physicians might be risk tolerant, but I have not changed my behaviors with people I see regularly, other than if they’re telling me they have a fever, and then I might say ‘stay away’ because I don’t want to be quarantined and not be able to work.”Adalja agrees, however, that there is a risk in attending family gatherings, and while face coverings are effective, they're not a panacea.If you ask Dr. Christopher Murray, the director of the Institute for Health Metrics and Evaluation at the University of Washington, he is opting not to see extended relatives amid the pandemic.“Personally, in our family, we will not have our family get together,” Murrays said about Thanksgiving. “I am particularly cautious. That would be our strategy. Certainly, we have avoided, on a personal level, we have avoided any indoor exposure to friends or family and have restricted any exposure at all to outdoor interaction where we can maintain 6 feet or more.” 3579

When a hidden camera snapped a picture of Cross River gorillas including several infants in Nigeria this summer, conservationists were thrilled.This subspecies of gorilla is one of the most endangered, with only an estimated 300 individual animals believed to exist. They live along the border of Nigeria and Cameroon, in western Africa.The Wildlife Conservation Society captured images of the Cross River gorillas in Nigeria’s Mbe Mountains in May and June. Their camera traps have only captured images of Cross River gorillas a handful of times since being set up in 2012. They said this was the first time they had seen multiple infants in the same group. 666

With a mask covering his face and his fingers playing a disinfected piano, musician Purnell Steen and his band, Le Jazz Machine, are back to doing what they love: playing music in front of a live audience, but now from a regulated distance.“It is a new learning experience for all us,” Steen said.After being shut down for months due to coronavirus concerns, Steen is back on his home stage at Dazzle in downtown Denver, one of the top 100 jazz bars in the world.“For the entire month of June, we did as much as much revenue as we used to do on a good Saturday,” said Matt Ruff, Dazzle general manager.Ruff says new safety guidelines that allow live music venues like his to operate are impacting his bottom line.“Capacity went from 50 to 100 people,” he said. “But it’s still 6-foot distancing between tables and the closest table to the stage has to be 25 feet away from the stage.”Though he’s thankful to reopen, Ruff is also questioning some of those safety measures, like no longer allowing wind instruments to be played on stage.“I think that’s based on faulty information,” he said. "People think that horns project something, but the science is just not there.”Some scientists, however, believe those brass instruments could hit a sour note when it comes to health.“You’re blowing from the lungs, so they are respiratory droplets and that’s the primary means by which this virus is transmitted,” said Sheryl Zajdowicz, Ph.D., a biology professor at Metropolitan State University of Denver.This infectious disease specialist says while live music could be good for the soul, social distancing could be even better for one’s health.“When you’re at a music venue, you’re kind of up against each other,” she said. “It’s going to be very challenging to limit that from happening.”That’s where Live Nation comes in.This entertainment group is now promoting “Live from the Drive-In,” a new live music experience where people can watch and listen to top artists from their own individual tailgate zones at outdoor concerts across the country.Back at Dazzle, fans say live music is what they need during this pandemic.And while the new normal on stage could be confining for artists, they believe live music will help calm emotions as the virus moves towards a crescendo.“If we can bring a few moments of joy to somebody than we have performed our mission,” Steen said. 2376

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