新闻周刊:疫情下9项明智的投资(7)

The better bet is to contact your carrier directly. Many airlines, including American, Delta¹ and United, have waived² all change fees for tickets booked between March 1 and March 31, and for flights scheduled to depart until April 30. You can change your flight (although you may have to pay the difference in fare), or cancel it and put the value of the old ticket toward a new one. (You'll have about a year to use the voucher³.) Don't expect a cash refund⁴, though, and be sure to check with the airline for its latest policy, as terms and dates are highly subject to change given the rapid developments and fluidity of the pandemic.

更好的办法是直接与你的承运人联系。包括美国航空、达美航空和联合航空在内的许多航空公司，对3月1日至3月31日之间预订的机票以及4月30日之前预定的航班，都免除了所有改签费。你可以改变你的航班(尽管你可能需要支付差价)，或者取消它，把旧机票的价值换成新机票。(你将有大约一年的时间来使用代金券。)不过，不要指望现金退款，一定要向航空公司了解最新的政策，因为考虑到疫情的迅速发展和流动性，条款和日期很可能会发生变化。

Hotel cancellations should be easier. "Hotel bookings are typically the most flexible type of travel to cancel, with or without insurance, and most chains provide a 24- to 48-hour cancellation⁵ policy," says debt attorney Leslie Tayne. "If you booked travel through Airbnb, COVID-19 falls under the company's extenuating⁶ circumstances policy, so if your reservation is located in an area with a World Health Organization travel warning, you are likely to receive a full refund if you cancel your booking."

取消酒店预订应该会容易一些。“酒店预订通常是最灵活的取消旅行方式，不管有没有保险，大多数连锁酒店都提供24至48小时的取消政策，”债务律师Leslie Tayne称。如果你通过Airbnb预订旅行，COVID-19符合该公司的情有可原政策，因此，如果你的预订位于世界卫生组织发出旅行警告的地区，取消预订可能会收到全额退款。”

Pay for protection. If you do want to take a chance on booking travel later in the year when the pandemic may be behind us, it is worth shelling out some extra bucks⁷ for travel insurance that will let you cancel your trip for any reason—just in case the crisis takes longer than you think to be resolved. You'll likely need to buy the add-on coverage⁸ at least 21 days before your first trip payment is due, and it covers 75 percent of the total trip cost.

支付保险费用。如果你想在今年晚些时候疫情可能过去的时候冒险预订旅行，那就值得多花点钱购买旅行保险，这样你就可以以任何理由取消旅行。你可能需要在你的第一次旅行付款前至少21天购买附加保险，它涵盖了总旅行费用的75%。

The policy will be more expensive than more standard travel insurance with restrictions⁹ but, given the current unpredictable and risky¹⁰ circumstances, it's likely money well spent. How much more will you pay? A recent quote for a $6,000 vacation for two adults in August from Travelex Select, which allows you to cancel for any reason, came in at almost $350, about $100 more than Travelex Basic, which doesn't offer the extra coverage.

这项政策将比有限制的更标准的旅行保险更昂贵，但是，考虑到目前不可预测和危险的情况，这笔钱很可能花得很值。你要多付多少钱？今年8月，Travelex Select公司推出了一款价格为6,000美元的成人度假套餐，可以让你以任何理由取消旅行，它的报价接近350美元，比Travelex Basic高出约100美元，后者不提供额外的保险。

Or, perhaps better yet, simply wait to travel until COVID-19 is a terrible and distant memory rather than our current, harsh reality.

或者，也许更好的是，等到COVID-19成为一个可怕而遥远的记忆，而不是现在的残酷现实。

Missing out on a vacation is a drag. But you can make the most of a bad situation by putting all the money you set aside for travel into a savings¹¹ account that will help see you through the tough economic times ahead. These days, that's a real win.

错过假期是件令人讨厌的事。但是，你可以把你为旅行准备的所有钱存进一个储蓄账户，帮助你度过未来的经济困难时期，这样你就能充分利用最坏的情况。如今，这是一场真正的胜利。

1 delta   

n.（流的）角洲

参考例句：

• He has been to the delta of the Nile.他曾去过尼罗河三角洲。
• The Nile divides at its mouth and forms a delta.尼罗河在河口分岔，形成了一个三角洲。

2 waived   

v.宣布放弃( waive的过去式和过去分词 )；搁置；推迟；放弃（权利、要求等）

参考例句：

• He has waived all claim to the money. 他放弃了索取这笔钱的权利。 来自《简明英汉词典》
• I waived the discourse, and began to talk of my business. 我撇开了这个话题，开始讲我的事情。 来自辞典例句

3 voucher   

n.收据；传票；凭单，凭证

参考例句：

• The government should run a voucher system.政府应该施行凭证制度。
• Whenever cash is paid out,a voucher or receipt should be obtained.无论何时只要支付现金，就必须要有一张凭据或者收据。

4 refund   

v.退还，偿还；n.归还，偿还额，退款

参考例句：

• They demand a refund on unsatisfactory goods.他们对不满意的货品要求退款。
• We'll refund your money if you aren't satisfied.你若不满意，我们愿意退款给你。

5 cancellation   

n.删除，取消

参考例句：

• Heavy seas can cause cancellation of ferry services.海上风浪太大，可能须要取消渡轮服务。
• Her cancellation of her trip to Paris upset our plan.她取消了巴黎之行打乱了我们的计划。

6 extenuating   

adj.使减轻的，情有可原的v.（用偏袒的辩解或借口）减轻( extenuate的现在分词 )；低估，藐视

参考例句：

• There were extenuating circumstances and the defendant did not receive a prison sentence. 因有可减轻罪行的情节被告未被判刑。
• I do not plead any extenuating act. 我不求宽大，也不要求减刑。 来自演讲部分

7 bucks   

n.雄鹿( buck的名词复数 )；钱；（英国十九世纪初的）花花公子；（用于某些表达方式）责任v.（马等）猛然弓背跃起( buck的第三人称单数 )；抵制；猛然震荡；马等尥起后蹄跳跃

参考例句：

• They cost ten bucks. 这些值十元钱。
• They are hunting for bucks. 他们正在猎雄兔。 来自《简明英汉词典》

8 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

9 restrictions   

约束( restriction的名词复数 )； 管制； 制约因素； 带限制性的条件（或规则）

参考例句：

• I found the restrictions irksome. 我对那些限制感到很烦。
• a snaggle of restrictions 杂乱无章的种种限制

10 risky   

adj.有风险的，冒险的

参考例句：

• It may be risky but we will chance it anyhow.这可能有危险，但我们无论如何要冒一冒险。
• He is well aware how risky this investment is.他心里对这项投资的风险十分清楚。

11 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。