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In its first game in four months, the MLS returned to action in Orlando on Wednesday between hometown Orlando City and Inter Miami CF. But before the two teams kicked off the long-awaited return to team sports in the US, the two squads stood silently for several minutes in solidarity with the Black Lives Matter movement. The Memorial Day death of George Floyd while in police custody prompted national unrest and protest over incidents of police brutality. The return to play is part of a six-week tournament being held in Orlando. The MLS said it will not play the national anthem before games during the tournament.During the moment of silence, players in the starting lineup took a knee while reserves and players from other MLS squads stood around the field with one fist held high into the air.The protests were akin to ones led by former NFL quarterback Colin Kaepernick, who kneeled during the preegame national anthem during the 2016 season.The MLS said that members of the Black Players for Change promotes the fight for racial equality and human rights, as the group was formed to give Black players in MLS a voice and assist in making systemic change both inside and outside the league. 1207

Instead of planes, trains, automobiles, and hotels, more and more travelers are considering renting an RV for upcoming trips.After all, there is virtually no risk of contracting COVID-19 when you are sleeping and eating in your own home on wheels.But while it appears a great way to travel, you need to know the pros and cons before you rent a camper (that you pull) or motor home (that you drive).It's the vacation rage of 2020, according to Money magazine, which calls RV's "virus friendly," since you drive across the country with your own bedroom and kitchen.But Money says many people end up surprised at the total cost, which can total a lot more than you first think.Know the real costRV rental can range from 0 to 0 per night, similar to a hotel room.Campsites are another to as much as 0 a night, depending on location and amenities.Gas can cost to 0 per day, even with today's low gas prices, as most motor homes get just 5 to 10 miles per gallon.Your auto insurance may not cover the full value of that RV, and your credit card may not cover it at all. That means you may have to pay or more per day for RV insurance.Add it up and you can end up spending 0 - 0 per night, though it is still cheaper than a 0 a night luxury resort.One other downside: many rental RV's are budget models, without all the high-end amenities you see at RV shows. Tour the model first, before you rent.Pull-behind camper or motor home?Campers that you pull tend to rent for less than models you drive.But think twice about a pull-behind camper if you have never towed a vehicle before. You will need an SUV or pickup built for towing, with a tow package that includes brake light hookups.And if you have never towed anything, you could be in for a surprise when you try to back up.A small or mid-size motor home that you drive is usually best for first-timers, experts say.And you have your own COVID-free accommodations, which can be well worth the cost.Bottom line: Campers are a great way to travel safely during the pandemic. Interested? Check a major rental firm like Cruise America. Or rent directly from owners at RV Share.Just know all the costs involved, so you 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 Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2534

It’s Giving Tuesday, a day to give to different charities and a variety of causes. But if money is tight or you don’t have a lot of time to give, don't feel guilty.There are easy ways to give by doing things you may already be doing.How many times do you go online a day? How many times do you open up a new browser tab? Well, Google is offering an easy to way to give. After installing the Tab for a Case extension, each time you open a new browser on Google Chrome, the company will donate money to the charity of your choice. It’s a simple way to give.Another easy way to give is to sign up for a charity rewards credit card like the Susan G. Komen cash rewards Visa. Matt Shultz with creditcards.com says your cash back will be donated to the charity.   "Then, there are other cards like Charity Charge MasterCard, which gives you 1 percent cash back on everything you spend," Shultz says.If your New Year’s resolution is to get fit, you'll like this one to keep you motivated—a free app called Charity Miles. For every mile you move, you help raise money for your charity.   And for all you Amazon shoppers, have you heard about Amazon Smile? If you log into Smile.Amazon.com and select the charity of your choice, each you make a purchase, Amazon will donate 0.5 percent of the price of your eligible purchases to your charity.   Also, remember donating blood, gently-used clothes and toys, as well as giving your time, are all great ways to give back year-round. 1522

In late September, after racist slurs were found on the message boards of five black cadet candidates at the Air Force Academy Preparatory School, the school's superintendent was angry.Lt. Gen. Jay Silveria told cadets to line up and pull out their phones to remember his message, and he forcefully denounced racism and intolerance."If you're outraged by those words, then you're in the right place. That kind of behavior has no place at the Prep School," Silveria said.The speech was posted on Air Force Academy's Facebook page and quickly went viral. The Air Force launched an internal investigation to find the culprit.But on Tuesday, Air Force Academy officials said that one of the black cadet candidates actually wrote the racist messages."We can confirm that one of the cadet candidates who was allegedly targeted by racist remarks written outside their dorm room was actually responsible for the act," the Academy said in a written statement. "The individual admitted responsibility and this was validated by the investigation."The vandalism was written in black marker on a dorm whiteboard with the phrase "go home (expletive)."Lt. Col. Allen Herritage, director of public affairs with the Academy, said that the cadet responsible admitted his guilt when confronted. The individual has "received administrative punishment" and is no longer at the preparatory school, Herritage said.The four other students that were the target of the vandalism are still at the Prep School, which is on the same campus in Colorado Springs, Colorado, as the Air Force Academy. The Prep School helps ready about 240 cadets each year to enter the academy.'This is our institution'Silveria, the Academy's superintendent, made clear in his speech in September that there would be no tolerance for racist rhetoric at the Academy."If you can't treat someone from another gender, whether that's a man or a woman, with dignity and respect, then you need to get out," he said. "If you demean someone in any way, then you need to get out. And if you can't treat someone from another race or different color skin with dignity and respect, then you need to get out.""This is our institution, and no one can take away our values," Silveria added. "No one can write on a board and question our values. No one can take that away from us."Although the hateful graffiti was revealed to be a hoax, the Air Force Academy affirmed that same message of dignity respect in a statement on Tuesday."Racism has no place at the Academy, in any shape or form. We will continue to create a climate of dignity and respect for all, encourage ideas that do so, and hold those who fail to uphold these standards accountable."Silveria said in a statement on Tuesday that his speech remained relevant despite the investigation's outcome."Regardless of the circumstances under which those words were written, they were written, and that deserved to be addressed," he said. "You can never overemphasize the need for a culture of dignity and respect and those who don't understand those concepts aren't welcome here."The-CNN-Wire 3091

It's no secret that this is a challenging time for many, and the insurance industry is reacting to the new world we're in as a result of COVID-19.They're implementing everything from rebates and refunds to new policies.As many aspects of life are different now, motorists are traveling less and getting in fewer accidents. Recent events have also caused an increased interest in life insurance.“More customers are considering life insurance (as) an opportunity for us to help them recover from the unexpected around COVID,” says Kristyn Cook, senior vice president of agency marketing at State Farm Insurance.Interest in life insurance is swelling across the nation and being noticed industry wide. The Insurance Information Institute helps people understand insurance and what it does.Insurance Information Institute director Janet Ruiz said COVID-19 got people thinking.“I think they’re concerned and thinking about mortality and illness in the world,” Ruiz said. “It’s always important to have life insurance but sometimes people are so busy, they’re not paying attention to these types of needs they have whereas right now they’re looking at their financial picture and thinking, ‘Hey, I should have life insurance for my family and make sure they’re taken care of if something happens to me.’”And she says they have more time to prepare for catastrophe.For State Farm, that's helping people navigate what could happen in your region."There are very real significant risks relative to wildfires in California or hurricanes in Florida, or storms in general,” Cook said. “One of the things we pride ourselves on not just helping people recover when something happens but how to help them think about risk mitigation on the front end.”Cook says State Farm's 19,000 agents across the country are talking to clients about how to protect your home. Things like taking inventory, reviewing what kind of coverage you have and what you can do to structurally to protect your home. These are things, that before COVID-19, people would push off for a later date.“People are home and they have more time sometimes to think about the what if scenarios and that intersects with our reach out by our agents to say how can we help you," Cook said.Another big change is automotive coverage. Auto insurance customers policy should check their policies and reach out to their agents. Companies are sending refunds or rebates to customers due to changing driving habits.“We call it good neighbor relief program,” Cook said. “Payment flexibility, options relative to providing relief, we announced a dividend, a return of value to customers to the tune of billion recognizing they are doing less driving and there are fewer accidents.”Some are beefing up homeowner and renter policies, again, thinking about things as they're home and reviewing their properties.“If there’s a water leak, they’ll detect it quickly and get it fixed and they’re not having as much theft because they’re around the house and so you don’t have the thieves coming in while you’re at work,” Ruiz said.She also said most agencies are allowing you to put off payments for a month or two if you need a financial break. State Farm realizes that looks different for every customer and their unique situation. 3275

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