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TOWN OF DOVER, Wis. -- Authorities believe a woman who escaped from the Robert E. Ellsworth Correctional Center Thursday broke into a nearby home and stole a pickup truck. The escapee was identified as 36-year-old Christine Abel.The Racine County Sheriff's Office was alerted to a break-in at a home 2 miles away from the prison at around 9:30 p.m. Someone stole a 2007 black GM Sierra pickup with a registration plate of MZ1698. An hour later, the prison reported Abel missing during a head count. 522
Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.What is coveredCoronavirus coverage falls into several categories:Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.Trip delay: Your trip is delayed due to changing COVID-related guidelines.Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.Of providers that are offering COVID policies, most are covering these expenses.What is not coveredCountries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the countrydoes not have a Level 4 advisory.Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade, which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you’re interested in this add-on.COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.Finding travel insurers covering COVID-19Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, travelers’ ages and other various details. Travel insurance comparison site Squaremouth is one of the very few comparison sites that allow you to filter by policies that offer coronavirus coverage.To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”In our example, we will input the following details: A ,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.When incorporating the “Coronavirus Pandemic” filter, the results reveal that 40 out of 84 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is ,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.1% to 5.4% of the total trip cost. This range represents very typical travel insurance costs.The bottom lineOnce you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered. If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.More From NerdWalletWhy You Shouldn’t Book Airfare in Advance Right NowShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite AirlinesElina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. Twitter: @elina_geller. 4952
Title insurance: It’s another one of those mysterious fees buried inside the pile of paperwork you’ll receive at your loan closing. Who knows what it’s all about? All you’ve figured out is that lenders require a policy for their protection, and either you or the seller will have to pay for it — and then you’ll be asked if you want an owner’s title policy, too.Here’s how title insurance works, how to decide whether you need your own policy, and how much you can expect to pay. 492
These days, it seems most of us are working longer hours and doing more at our jobs. However, despite putting in the extra work, 6 in 10 workers say they're making the same amount of money they were a year ago.“Despite the best economy we've seen in about a dozen years and the tightest labor market we've seen in almost 50 years, pay raises and better paying jobs are still the exception rather than the rule,” says Greg McBride, with Bankrate.com.Employers are also becoming more selective in how they give out raises, with more companies turning solely to performance-based salary increases.“There's less emphasis on this cost of living, this across the board peanut butter raise that everybody gets,” McBride says. “I think the other element here to is rising benefit costs. A lot of people are getting their raise in the form of the employer absorbing higher benefit costs.”McBride says people with low incomes have the highest chances of not receiving a raise or a better paying job because they generally don't have the advanced skills companies are looking for. Baby Boomers are also not likely to receive a raise because they've often reached their highest income potential within the company.Daniel Swart is a government consultant and one of those workers who did not get a pay raise this year.“It's pretty frustrating,” he says. “When you put in your time and you think you're progressing and your skills are progressing, but your salary is not matching up with those skill progressions.”One of his resolutions for the New Year is to find a new job.“You're almost in a position where the only way to get an increase in your salary is to look for another job,” Swart says.Experts say that can be the smartest plan.“If your current employer is not going to pay you what you feel your market rate is, look elsewhere and see if one of the competitors in the marketplace will,” McBride says. “This is an extremely tight labor market and particularly competitive in certain areas.” 1995
Toby the cat has been on quite the adventure in recent weeks.After his owners near Raleigh, North Carolina decided to drop off Toby at a friend's home, Toby left to return to his previous owners, who lived 12 miles away, according to the SPCA of Wake County, North Carolina. Instead of taking Toby back in after his 12-mile trek, the family instead took him to a shelter and requested the staff euthanize the cat. He was then transferred to the SPCA, which is a no-kill shelter.Toby is a healthy 7-year-old feline who has enough energy to walk 12 miles.On the SPCA’s Facebook page, dozens of commenters criticized the owners’ actions, with some offering to adopt Toby.On Monday, the SPCA announced that Toby had found a permanent home.“He has three new siblings (one feline and two human) and a cat-savvy mom to show him what a loving family is really like,” the shelter said on its Facebook page. 920