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As hundreds of students from Marjory Stoneman Douglas High School prepare to board buses to lobby lawmakers to demand gun control, a measure was struck down on Tuesday by the Republican-held Florida House that would ban assault weapons. The motion was denied by a whopping 71-36 tally. Tuesday's vote came six days after a confessed gunman killed 17 lives at the Parkland, Florida high school. Many of the 3,000 students of the high school have since been vocal in their opposition to status quo gun laws, with the hope of increasing restrictions to posses firearms. The accused gunman, Nikolas Cruz, used an AR-15 type weapon during his massacre, which only lasted several minutes before he tried to blend in with students escaping the school. According to the Associated Press, the bill will likely no longer be considered during this session of the legislature.  898

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

An officer-involved shooting resulted in a fatality at a Baton Rouge apartment complex Monday evening, according to a Louisiana State Police spokesman.The Baton Rouge police officer was escorting an employee from the Louisiana Department of Children and Family Services (DCFS) to the Palms apartment complex when a struggle ensued, culminating in the fatal shooting, spokesman Bryan Lee told reporters at a news conference.Lee did not specify whether the victim was involved in the DCFS visit to the apartment complex. A large crowd gathered near the shooting scene, according to CNN affiliate WBRZ.The Louisiana State Police Crime Lab and East Baton Rouge District Attorney's Office are currently at the apartment complex investigating the incident, according to Lee.The identities of the shooting victim and officer are not being released at this time, but Lee told reporters the officer sustained a minor injury and was wearing a body camera at the time of the shooting.Shooting victim 'not handcuffed'East Baton Rouge District Attorney Hillar C. Moore, III told reporters the victim in Monday night's officer-involved shooting was not handcuffed at the time he was shot."We really are early on in this investigation, state police are here doing the job they always do," Moore said. "From all the indications that we have, from video, from statements, that is not the case, he was not handcuffed when he shot."Moore said the shooting occurred after a long struggle with officers at the apartment complex around 6 p.m. CT Monday night.A Taser was deployed an unknown number of times and there was a struggle between the victim and officers over the Taser and weapons prior to the shooting, according to Moore.Mayor: Don't jump to conclusionsBaton Rouge Mayor-President Sharon Weston Broome urged residents to "withhold judgment" on the shooting, asking that they instead let the Louisiana police complete its investigation."As mayor-president of this city and parish, I am closely monitoring the Baton Rouge Police Department officer-involved shooting that took place tonight, Weston Broom said in a statement."Per protocol, the Louisiana State Police (LSP) is investigating this case. I am sure that the LSP will demonstrate the highest level of transparency throughout this investigation. I ask that the community withhold judgment on this incident until the LSP concludes its work."Baton Rouge is the city in which Alton Sterling, a black resident whose death at the hands of police sparked huge protests in the city.Sterling, 37, was killed by police in July 2016. He was shot outside a convenience store after police responded to a call about a man threatening another man with a gun.Cellphone video showed Sterling pinned to the ground by the white officers before he was shot, but police said he was reaching for a gun.His death helped spur nationwide protests against excessive force by police. A Missouri man ambushed and killed three law officers and wounded three others in the Louisiana city in the weeks following Sterling's death.No federal charges against the officers were filed following his death as prosecutors determined there wasn't enough evidence to warrant civil rights charges against Baton Rouge police officers Blane Salamoni and Howie Lake II. 3281

Are you stuck with a Toys 'R' Us gift card, and thinking it is worthless? Kmart announced on Tuesday an exchanged program for those with defunct Toys 'R' Us gift cards. Toys 'R' Us is in the midst of closing all of its stores, and liquidating products. Earlier in May, the retailer stopped accepting gift cards. Kmart said it will allow those with gift cards to Toys 'R' Us to exchange cards for  of FREECASH in points through the in-store exchange. The offer runs through the end of July. In order to take advantage of the offer, Kmart customers will need to join the Shop Your Way program. The offer is good even on expired gift cards. "Kmart has long been a family shopping destination for expecting and current parents," said Leena Munjal, chief digital officer for Sears Holdings Corporation. "We're adding more excitement to shopping and giving more savings back to our members by offering incentives to shop easily and conveniently for popular children's items."For more information on the exchange program, click here.  1078

Apple is reportedly changing their mask-wearing emoji to smile with its eyes.The mask-wearing emoji used to represent being sick, what some might consider a neutral-to-sad feeling.In 2020, this emoji is now one of the most popular icons used in tweets about the coronavirus, according to Emojipedia, and represents the normalcy of wearing a mask regardless of symptoms and current health status.In the next release of Apple’s iOS, this emoji will be getting a mood change, so to speak.It’s downturned eyes will be replaced with rounded eyes, eyebrows and blushing cheeks - the exact same features of the smiling face emoji, reports Emojipedia. 651

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