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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

Hundreds of people had their homes foreclosed on after software used by Wells Fargo incorrectly denied them mortgage modifications.The embattled bank revealed the issue in a regulatory filing this week and said it has set aside million to compensate customers affected by the glitch.The same filing also disclosed that Wells Fargo is facing "formal or informal inquiries or investigations" from unnamed government agencies over how the company purchased federal low-income housing tax credits. The document states the probes are linked to "the financing of low income housing developments," but does not offer further details. 637

In an interview with ABC News and the Louisville Courier-Journal, one of the Louisville police officers involved in the raid that led to the death of Breonna Taylor claims his team knocked on Taylor's door six times and said the fatal shooting could have been avoided if officers did not allow time for Taylor and her boyfriend to come to the door.Sgt. Jonathan Mattingly spoke with ABC News and the Courier-Journal for two hours on Tuesday — the same day a grand juror spoke publicly about the case for the first time. Mattingly said police officers believed that Taylor was the only person in the apartment when they served the no-knock warrant on her apartment."We expected that Breonna was going to be there by herself. That's why we gave her so much time. And in my opinion, that was a mistake," Mattingly told ABC News.He said if he could have done anything differently that evening, officers would have breached Taylor's apartment without giving time for her or her boyfriend, Kenneth Walker, to react."What would I have done differently, the answer to that is simple now that I've been thinking about it. Number one, we would have either served the no-knock warrant or we would have done the normal thing we do, which is five to 10 seconds. To not give people time to formulate a plan, not give people time to get their senses so they have an idea of what they're doing. Because if that had happened, Breonna Taylor would be alive, 100 percent."Mattingly claims officers involved in the raid knocked on Taylor's door six different times."So we get up, I remember banging on the door, it's open hand, hard smack, bam, bam, bam, bam. First time, didn't announce. Just hoping she would come to the door," Mattingly said.He also claims that at one point, they "repeatedly" yelled "police, search warrant!"Walker and 11 other people interviewed by police said they did not hear officers identify themselves. Only one other person in the apartment complex corroborated police claims that they identified themselves.Walker says he assumed the police officers were intruders and grabbed his gun to protect himself and Taylor. When officers breached Taylor's door, Walker fired at them. Mattingly was the only officer injured during the shooting."As soon as I felt the smack on my leg and the heat, I — boom, boom — returned four return shots, four shots," he said. "I reached down and felt my leg. I could feel a handful of blood and the heat — I thought my femoral artery. I said I can't stand up because I'm going to pump the blood out if I keep pushing forward."Mattingly also took issue with Walker's claim that he fired a "warning shot," saying that his stance indicated that he was ready to fire at officers.Mattingly was able to limp out of the apartment and was later taken to the hospital. He didn't learn of Taylor's death until he got out of surgery the next day."My first question was, 'Did she have a gun? Was she a shooter?' Because I didn't know what took place after I moved out," Mattingly said."I feel for her. I hurt for her mother and for her sisters," he added. "It's not just a passing 'Oh, this is part of the job, we did it and move on.' It's not like that. I mean Breonna Taylor is now attached to me for the rest of my life. And that's not again, 'Woe is me.' That's me feeling for them. That's me having a heart and a soul, going as a parent, 'How do you move on?' I don't know. I don't want to experience it."Taylor's case has become a touchstone case across the country amid a summer of unrest. For months, protests took place nightly in Louisville as demonstrators called for justice.Mattingly told ABC News that despite calls for police reform to address questions of systemic racism, Taylor's shooting had nothing to do with her race."It's not a race thing like people want to try to make it out to be. It's not. This is a point where we were doing our job, we gave too much time when we go in, I get shot, we returned fire," Mattingly said. "This is not us going, hunting somebody down. This is not kneeling on a neck. It's nothing like that."Mattingly and his fellow officers will not face homicide charges in connection with Taylor's death. Kentucky Attorney General Daniel Cameron, who led the investigation, claims officers were justified in their actions because Walker fired at them.Mattingly's interview came the same day that a grand juror in Taylor's case spoke publicly and claimed that he and others on the grand jury were not given the opportunity to consider homicide charges against the police officers.Only one police officer, Brett Hankison, faces charges in connection with the case. He's charged with endangering Taylor's neighbors by firing his gun at the building.In the days leading up to the grand jury decision, Mattingly sent an email to hundreds of his coworkers criticizing the city's mayor and other officials for their handling of the case."It's sad how the good guys are demonized, and criminals are canonized," Mattingly said in the email. "Put that aside for a while keep your focus and do your jobs that you are trained and capable of doing." 5115

If you get a letter in the mail from the IRS, you might want to open it.In an attempt to track down some Americans who did not receive an economic impact check earlier this year, the IRS said on Thursday it is sending 9 million letters to Americans who do not file a traditional tax return.The letter will encourage recipients of the letter to visit the IRS.gov before an Oct. 15 deadline to register for a stimulus check. For most Americans, the checks are worth ,200.“The IRS continues to work hard to reach people eligible for these payments,” said IRS Commissioner Chuck Rettig. “These mailings are the latest step by the IRS to reach as many people as possible for these important payments. We are releasing this state-by-state information so that state and local leaders and organizations can better understand the size of this population in their communities and assist them in claiming these important payments. Time is running out to claim a payment before the deadline.”But the IRS says just because you receive a letter does not automatically make you eligible. To be eligible, the IRS requires that an individual is a US citizen or resident alien, have a work-eligible Social Security Number and can’t be claimed as a dependent on someone else’s return.Americans who earn less than ,200 a year, or married couples earning less than ,400 a year, are not required to submit a federal tax return. These Americans, if they did not apply for a stimulus check, would have been excluded from receiving a check unless they earn another form of government income, such as Social Security.Those who believe they are eligible for a check don’t have to wait for the letter. A tool is available on the IRS’ webpage by clicking here.As a reminder, here is who is eligible for a stimulus check:,400 – Couples earning less than 0,000 a year (couples earning 0,000 - 8,000 will receive a prorated check).,200 – Individuals earning less than ,000 a year (individuals earning ,000 - ,000 will receive a prorated check).,200 – Heads of households earning less than 2,500 (heads of households earning 2,500 - 6,000 will receive a prorated check).0 - Each dependent child age 16 or under as of Dec. 31, 2019 (for qualifying individuals and couples). 2291

IMPERIAL BEACH, Calif. (KGTV) - The daughter of PGA star Phil Mickelson will make her acting debut in a movie partially shot in San Diego.Sophia Mickelson has a featured role in Ruta Madre, a coming of age story about a singer who discovers his family and roots on a road trip through Baja.According to the movie's website, Ruta Madre deals with issues of self-identity in a bi-national region."It reflects the feeling of many Latinos, especially Mexicans, who have emigrated or were born here, but who have not they feel neither from here nor from there,” director and screenwriter Agustín Casta?eda said in a 2016 interview.Mickelson plays "Daisy," the lead character's childhood crush. She says the story has meaning for people on both sides of the border.RELATED: San Diego film highlights bi-cultural relationship with Mexico"One of the messages that stood out a lot to me is the importance of family," says Mickelson. "Having strong roots in the SD community as well made me want to revisit those kind of family connections and place more value on it."Mickelson's family is well known in San Diego. Her father, Phil, has won 44 events on the PGA tour, including 5 major championships. He's arguably, San Diego's favorite golfer.Sophia hopes the city will embrace her film career the same with people here have rallied around her father. But she says her parents have done a great job of supporting her dreams while not putting any pressure on her."I think they're very supportive of me having my own path and not having to do anything in line with what they've done," she says. Sophia also told 10News she hopes to go behind the camera for her career and work as a director.She's not the only young star of the movie with San Diego ties.Jordi Bertran, who plays a young version of Daniel, is from San Diego as well. He's known around town for roles he's had on stage at the Old Globe."This film feels like a San Diego film," he says. "The story is ultimately about finding your roots. That's really important now because a lot of times it's easy to forget where we come from."For more information about Ruta Madre, including how to watch it in San Diego, click here. 2180