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The International Air Transport Association says the virus outbreak that began in China could cost airlines as much as 3 billion in lost revenue due to the collapse of air travel. Representatives of the airline industry group said Thursday after a working meeting in Singapore that the industry urgently needs help from governments in waiving some requirements and fees to alleviate the burden on struggling carriers. An earlier estimate just two weeks ago put the potential cost of the downturn in travel at less than billion. The group’s estimate reflects a scenario involving a 19% loss in revenues with extensive spread of the virus in markets that now have 10 or more confirmed cases. That reflects countries accounting for 80% of airline revenues. The biggest losses would be in the Asia-Pacific region, including China, which has by far the most cases of the virus. “This is a very serious cash flow shock,” said Brian Pearce, the IATA’s chief economist. “We are seeing this serious decline in bookings and revenues outside the Asia-Pacific now that it (the virus) has spread more widely.”The IATA officials said the consensus of experts was that air travel remains relatively safe and that there are no known cases of passengers spreading the virus while on aircraft. 1294

The major television networks will provide wall-to-wall coverage of President Donald Trump's prime time address on border security on Tuesday.NBC, ABC, CBS and Fox broadcast network all said on Monday that they had agreed to the White House's request for air time.CNN, Fox News and MSNBC will all carry the address live, as well.Presidents have been using Oval Office addresses to make big announcements for decades. But this is Trump's first time using the setting for an address to the nation. On Monday the White House requested air time for the speech, as is customary in the relationship between a president and the press.But for a few hours, it was unclear what the networks would do.Trump announced his plan for the 9 p.m. ET Tuesday address via Twitter. In his tweet, he characterized the situation on the border as a "national security crisis," a description that even some people in his own party reject.In response, a broadcast network executive said "time has been requested for 9 p.m. Networks are deliberating."The broadcasters have been known to resist presidential requests for air time for a variety of reasons, including the perceived urgency of the subject and the popularity of the shows that would be interrupted.With Trump, there were other factors to consider, including his record of deception and his tendency to ramble off script in long speeches.Many Trump critics posted messages on social media urging the networks not to air an address that could be filled with falsehoods. Some said that a prominent Democrat should be given equal time. It is unclear if any sort of Democratic rebuttal is in the works.With all that in mind, network newsrooms were abuzz with speculation about what the broadcasters would decide, since it was sure to be controversial either way.CBS was the first of the broadcasters to say it would go ahead and carry the address. Then NBC, ABC and Fox broadcast network said the same. There's no word on a decision from PBS yet.There is precedent for broadcast networks declining to air a presidential speech. In 2014, ABC, NBC, and CBS declined to carry an 2119

The Galaxy Fold saga continues.Best Buy is canceling pre-orders for Samsung's troubled foldable phone.On Thursday, the retailer emailed customers who pre-ordered the phone a cancellation notice. The highly-anticipated device, announced in February, broke for early tech reviewers, forcing Samsung to delay the April launch. Samsung hasn't yet said when the 369

The ads are appealing. They feature deals for vets to refinance their homes and cash out on the equity. However, home and refinance loan programs targeted towards military veterans can be a benefit or a headache, depending on the lender. John Bell, advisor for the Veterans Affairs Administration in D.C. says there are many reasons why vets can take advantage of borrowing cash against their home. But how you choose a cash-out lender makes a big difference. “We want to make sure that veterans are armed with information from the disclosure process early in the process as well as though closing, so they understand the decisions they're making,” he says. Bell says, unfortunately, there are predatory lenders out there targeting vets, sticking vets with thousands of dollars in hidden fees. “Have we seen it, yes,” Bell explains. “Do we know how to combat it and help you in navigating that process? Without a doubt.” In 2018, the United States Department of Veterans Affairs stepped up its regulations for lenders, specifically on cash-out refinance loans. The VA has always offered advisor services to protect borrowers through their long-standing VA home loan program. “We need to make sure that all lenders are operating on the same playing field, that they're all giving veterans the transparency that they need to make informed decisions,” Bell says. According to a report by the American Enterprise Institute, in September of 2018, veterans cashed in on cash-outs. They accounted for 86 percent of mortgage loans, which was up about 30 percent from two years prior. “The general rule is if it sounds too good to be true it usually is,” Bell says. Bell says in order to not cause a mortgage crisis among vets, it's best if you know what you’re getting yourself into. “Be sure you're asking the right questions,” he says. “You want to know the exchange of equity that you're going to take out, what is the overall cost of that, and make an informed decision.” 1983

The COVID-19 pandemic has forced schools around the world to shift to online classes — including Berklee College of Music in Boston. Like many college students, Shelbie Rassler missed her friends from school. So, the senior composition major decided to find a way to bring her community together.According to 321