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You may be starting to look ahead to the holidays and there's no doubt that travel is already changing.Now, hotels are putting together packages that try to accommodate some of these travelers.“We've seen things as extreme as the Four Seasons in Orlando put together a package where they set up a private school room, where they actually have their camp staff acting as teachers,” said Dia Adams, a Travel Rewards & Credit Card Analyst at Forbes Advisor.As far as holiday travel goes, we're seeing some of the lowest fares we've seen in a decade, according to Forbes Advisor.“Usually you're told, don't travel the day before Thanksgiving, don't come back the Sunday of Thanksgiving. Even on those days, I was seeing both availability wide open,” said Adams. “And I was seeing what I consider to be off-peak air fares for times people usually want to fly.”But just because prices are low, doesn't mean you should necessarily jump on a deal.Only some airlines are promising to keep middle seats closed or to socially distance passengers. Other airlines may be taking full flights because there are now fewer flights.And keep in mind that not all direct flights will be available. You may need to book a layover, now that a lot of routes have been cut. 1261

after hiking in the Kit Carson Peak and Challenger Point area in Colorado.Custer County Search and Rescue reported that July 24, a person called 911 to report 41-year-old Lt. Colonel USAF Dan Wallick as an overdue hiker. The caller said Wallick had intended to summit both peaks. Saguache County Search and Rescue requested assistance from multiple agencies the following day at 6 a.m. to help search for him. Rescuers covered the major trail system and routes leading up to Kit Carson Peak and Challenger Point, which are both over 14,000 feet.On Saturday, Wallick's body was found by a Colorado Division of Fire Prevention and Control helicopter. Due to difficult terrain and poor weather, the search teams weren't able to recover his body until Sunday. Custer County Search and Rescue said they are sending their condolences to Wallick's family, friends and loved ones. 875

You can bet on it: Sports gambling is about to expand, big time, in the United States.Right now, the only place you can legally bet on sports is Nevada.But on Monday, the Supreme Court struck down a federal law that prohibited legalized sports gambling anywhere but Nevada.So what does this court decision mean, exactly?Now that there is no longer a federal law against sports gambling, each state is free to pass laws that govern where people will be able to bet on sports and how."It'll be a state-by-state matter," said Eugene Christiansen, an expert on casino gambling and consultant to the industry. "I'm sure there will be a wide variety as to how fast or how slow the licensing proceeds."Are any other states close to approving sports betting?Six states, including New Jersey which that brought the lawsuit to the Supreme Court, have already passed laws to allow casinos to take sports bets once the federal law was struck down, according to Geoff Freeman, CEO of the American Gaming Association. Those states are New Jersey, New York, West Virginia, Mississippi, Pennsylvania and Connecticut.Another 12 states have introduced legal sports gambling legislation.Even in states that have approved sports gambling, it'll take some time to complete the approval process, which will require companies to be licensed in order to take sports bets."In the case of New Jersey I think we're talking weeks before we have sports betting in place," he said. "For most of the other states, I'd expect it start at the beginning of the football season this fall."How widespread will sports betting become?There are a total of 40 states that have some kind of casino -- either state-regulated or tribal. Experts say they believe most if not all of those states will eventually allow sports gambling, simply because they won't want their own casinos to be at a competitive disadvantage with casinos just across state lines."It's the same reason we've seen the spread of casinos to so many states -- the states have been watching consumers going out of state to place bets," said Josh Schiller, an attorney who has represented various gaming interests. "People enjoy betting on sports."But experts say it could still take a few years before sports books are legal in states that haven't begun the process."Gaming law is something that typically takes time," said Freeman. "It's more complex than many people think."Will I be able to place a sports bet online in another state where it is legal?Monday's decision only allows states to control gambling within their own borders. It does not open the door for interstate online gambling, or placing online bets with foreign sports books. That would require additional legislation or lawsuits.How important is sports gambling for casinos?Actually, it's not a very profitable business. For instance, gamblers in Nevada lost about 0 million betting legal on sports last year. But that equals only about 2% of the Nevada gaming industry's take overall.Additionally, casinos have the potential to lose big on sports bets, unlike in house games. So sports betting can be the least profitable part of the casino, or even a money loser, according to experts.Casinos fought for the approval to take sports bets because it's an important way to draw customers into the casinos. Otherwise, they would lose that business to illegal competitors, such as bookies and offshore gambling sites. 3443

in Seymour, Indiana, on Thursday morning.According to information from Safe Haven Baby Boxes, a healthy baby was safely surrendered in the baby box at the Seymour fire station. The baby was immediately transported to a local hospital for care."We are proud to have this resource available for the residents of Seymour, Indiana," Fire Chief Brad Lucas said in a release. "We strive everyday to ensure the safety of our residents and this is just a way to ensure the safety of newborns."The baby box in Seymour became available last year when Hunter Wart, a high school senior, raised the money to place the box in the fire station.The fire department was notified by the alarm as soon as the newborn's mother opened the outside door to place the baby in the box. Within 60 seconds, the newborn baby was retrieved from the box and received medical care. "This mother loved this child and it takes a very special person to want what's best for a child and know that it's not her," Monica Kelsey, founder of Safe Haven Baby Boxes, said. "That's the ultimate act of selflessness. I'm so thankful she chose a safe place to surrender her child and not a dumpster or trash can like we see too many times."This is the fifth baby surrendered in a baby box in the past two years in Indiana and the third to be surrendered in the past 134 days.According to information from Safe Haven Baby Boxes, the company has helped 68 women and infants with safe surrenders, assisted with 6 adoption plans, and have referred hundreds to pregnancy crisis centers around the country. The Safe Haven Baby Boxes Crisis Line (1-866-99Baby1) is available for women to speak to a licensed counselor if they are considering surrendering their baby and also to provide ongoing counseling to women who have surrendered.There are 21 active baby boxes in Indiana and 25 boxes in three states. 1858

With down payments less than 10%, you’ll pay mortgage insurance for the life of the loan. With a loan-to-value equal to or greater than 90%, you’ll pay the premiums for 11 years. 181