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An effort by Microsoft and Linkedin to get people back to work has now reached more than 10 million job seekers in 231 countries and territories. Their goal? To give free digital skills to 25 million people.Representatives from Microsoft and Linkedin admit it was, and still is, an ambitious initiative to reach that many people and to target the digital space and help get people the skills they need to work in our new and changed world.“It has really been a challenging time for so many people and there are things people can do to upscale we all really need to learn new skills everyday” says Naria Santa Lucia, general manager of digital inclusion at Microsoft Philanthropies.Part of her job is to help people get a job. She says the program has reached people all over the world, and all over the nation.“We’ve seen a great uptick from states like California, Texas, NY, Florida, Illinois, Virginia, Washington DC- but every single state has had a learner,” Santa Lucia said.Santa Lucia highlights people who quit their job hoping for more opportunity, right before the shutdown.The learning path on LinkedIn offers interview help, critical skills, and collaboration tools.Santa Lucia recalled someone who left their job before the pandemic who was able to find work.“He decided it was time to try something new,” Santa Lucia said. “He came upon the content and was able to supplement the technical background with the customer service skills to enhance his resume and become more attractive to employers and has landed a temporary position and is really looking forward to parlaying that into full time employment after the role concludes."Guy Berger is the principal economist at LinkedIn.“I’m pretty optimistic we’ll find our way out of this pandemic and even if we don’t, we’ll find ways of working around it more and more jobs will be online friendly or social distancing friendly,” Berger said.Berger and his team just finished the workforce report for October. They tracked labor trends, who's been hired, where people are working, and where they're moving, Berger said.“These reports in the late spring were pretty glum, hiring in the United States was down something like 40% compared to where it was a year ago. That’s huge,” Berger said. “We’ve never seen that big of a drop in our data in the last few years. But the good news: if you look at these reports… they’re improved we’re in a much better place.”The report shows that places like Austin, Texas, and Charlotte, North Carolina, are gaining the most people. While the restaurant industry and travel and tourism are still down, there's been growth in areas like wellness and fitness.Santa Lucia says, the initiative identified the top 10 in demand jobs, like software development, sales representative, customer service specialist and project management.“Life gets in the way,” Santa Lucia said. “All of us, we’re trying to juggle helping our kids running schools in the other room, we’re thinking about other struggles and worried about the pandemic and exposures in the health arena as well. One of the great things is you can start it and put it down as you need to which is what I had to do as life got a little busy and you can go back to it as well”She says another popular course is on diversity inclusion."There’s also really thinking about race equity, how can we reach individuals who are Black and African American, and, in this moment, provide the opportunity for them to become reskilled and upskilled as well" says Santa Lucia, who also recommends making a plan for yourself, keeping record, taking advantage of conferences which are now virtual and often free.Once you get your completion certificate, it's one more thing you can add to your profile to help you stand out amongst the crowds who are looking for work. 3812

Americans have been sending garbage to landfills for almost 100 years.Since the first one opened in Fresno, California in 1937, today the U.S. hauls about 268 million tons of trash to thousands of active landfills each year.However, it's not without debate over whether these dumps are our best option.A lot of our nation's garbage starts in the home. According to the EPA, paper accounts for 25 percent, food is 15 percent of the waste and plastic amounts to 13 percent.The journey to the landfill involves a few pitstops. After garbage collectors pick up the trash, they take it to sorting facilities, where machines and people in full hazmat suits separate everything. This can be time-consuming, and dangerous.Recyclables are sent off to be reused, and trash is either incinerated to create clean, renewable energy or taken to the landfillLandfill operators follow strict guidelines to help make sure their facilities don't cause any harm. They lay a base layer, several feet deep, below any trash. It's made up of materials like clay, minerals, and charcoal, which help make sure nothing seeps into the ground or water. Trash is strategically layered on top and then buried to help seal it off.In some cases, the sealed pile is covered in cement or asphalt and developed in homes or businesses. But those sealed-off piles still give off greenhouse gas emissions and fumes that can harm the environment and peoples' health.Some companies use technology to reduce emissions by capturing them and turning them into renewable energies. Researchers say even with that technology landfills can still pose hazards.One way to reduce the mountains of trash in landfills is to recycle.Americans throw away .5 billion in recyclable materials each year, including paper, plastic, cardboard, and aluminum products. 1817

Anonymous artists in Salt Lake City have painted a mural honoring George Floyd, next to five others who were killed by police in Utah. 142

As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

Anael Sanchez is walking over the rubble of what used to be his home in Phoenix, Oregon."It was crazy," Sanchez said.He lost his home in the wind-driven Almeda fire which tore through four towns in the Rogue Valley of southern Oregon.“It was so thick, the smoke. You could hardly see far away," Sanchez described.Two of the towns, Phoenix and Talent, are home to a large Latinx immigrant population. Sanchez is originally from Mexico but has lived in the area for more than two decades. Since he lost his home, he says many local grocery stores, organizations and the Red Cross have helped him with basic needs.“Clothes, gift cards, a little bit of cash,” Sanchez said.One organization helping is Unete, a nonprofit organization that supports farmworkers and immigrants in southern Oregon and across the nation.“The extra challenge that the immigrant and the farmworker has is the income,” said Dago Berto Morales, director at Unete.According to Morales, the immigrant community in the area was already facing large disparities and an affordable housing crisis. The fire made it worse.“We’re asking the government or local communities to try to find a solution for the housing crisis,” Morales said.With wildfires raging throughout the western U.S., the Federal Emergency Management Agency (FEMA) is providing rental assistance, home repair, low-cost loans and other programs for eligible residents. As a legal U.S. citizen, Sanchez could apply. But he says he won’t, knowing many of his friends and neighbors are undocumented.“In this park over there, there might be a bunch of immigrants. They’re not legal, maybe. And if they’re not legal, they’re not going to get help,” Sanchez said.To protect his identity as an undocumented immigrant, another man who lost his home has asked that we not share his name. He was living at what used to be the Phoenix Motel.“Por aquí yo entraba todo los días. Este era el cuarto por aca. Allí están las camas.” (Translation: "I entered through here every day. Over there was our room and those were our beds.”)He’s an agricultural worker in the area.“Si siempre ha trabajado en campos: como en California, Oregon, Washington. Pura pescas como uvas, manzanas, cherries.” (Translation: I’ve always worked in the fields like in California, Oregon, Washington. Crops like grapes, apples, and cherries.")He says he was in shock after seeing the devastation from the Almeda fire.“Como le digo me fui, todo estaba normal. Regreso y veo todo así. Como le digo pues no más al principio no la creí aquí vivía yo. Y casi nunca salgo y ese día a salí.” (Translation: When I left, everything was normal. When I returned, I saw everything like this. At the beginning, I didn’t believe that I lived here. I never go out, but that day I did.”)He lost important documents like his passport and title for the car, but he says he’s thankful he still has his job.“Como dicen se acaban las cosas materiales pero la vida sigue. Y se no le sigue trabajando, pues no hay nada. Porque nada le va a caer haci nomas.” (Translation: Like they say, even when you lose material stuff, life continues. And if you don’t continue working, there’s really nothing else, because nothing’s going to come out of nowhere.”)Both he and Sanchez are remaining strong.“Sitting there and crying is not going to help me at all," Sanchez said. "It’s sad like I said, it’s really sad, but life keeps going.”They say they’re ready to rebuild their lives because they’ve done it before.“I’ve lived a hard life, so I know the pain. I’m used to the pain," Sanchez said.Sanchez says his positive and sometimes sarcastic attitude is what pushes him forward.“That’s where the kitchen used to be. I’m trying to find my favorite cup, coffee cup,” Sanchez said in a sarcastic tone. **********You can donate to Unete's Fire Relief Fund hereIf you are an undocumented immigrant seeking assistance after losing a home to a wildfire, here is some helpful information from FEMA:Do you need to be a U.S. citizen to apply for assistance from FEMA?You must be a U.S. citizen, non-citizen national or Qualified Alien for a cash award from the FEMA’s Individuals and Households Program or from Disaster Unemployment Assistance. You may, however, apply on behalf of another household member, including a minor child, to qualify the household for assistance.What help is there for people who are undocumented?Even if you do not, or your family does not, qualify for FEMA cash assistance (Individuals and Households Program), FEMA can refer you and connect you to other programs that can assist you regardless of your immigration status. We work in partnership with local voluntary agencies such as the Red Cross, and these resources are available regardless of immigration status.Are there any repercussions for undocumented immigrants if they try to file for assistance?FEMA will not proactively provide applicant information to immigration or law enforcement organizations. However, in rare circumstances, based on a specific request, a FEMA applicant’s personal information may be shared within the Department of Homeland Security. 5110

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