济南治疗癫痫需要多少钱(山东省中医怎样调理癫痫病) (今日更新中)

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

ANZA, Calif (KGTV) - Tons of weed was hauled and dropped at a high school in the Riverside County city of Anza after deputies served 80 search warrants on illegal pot farms.The substantial bust came hours after a murder on one of the farms. The Riverside County Sheriff's Office did not give out many details other than to say the death was tied to the illegal activity.Sheriff Chad Bianco said the coordinated drug bust effort took months of planning. Deputies started their work when the sun came up, Bianco said, adding he hoped to have at least 200 pot farms out of commission by the end of the day.Many of the operations took place miles down dirt roads. Some of the activities were reasonably hidden; others were easily visible. Neighbors said law enforcement officers were in full combat gear with rifles when they approached the illegal operations. The more 10News spoke to neighbors, the more we heard about the town of Anza being overrun with pot farms."We've been complaining for a long time, and it's happening," said Anza resident Dan, who did not want to be identified because he fears retaliation."With them common cartels and gangs and grows that are protecting themselves from thieves, and with that come guns and come gunfights and come shootings and robberies," Bianco said."This isn't a victimless crime. This is not a pretty little plant that we're taking, someone's medicine, this is a quality-of-life issue that is destroying this valley," Bianco added.The magnitude of the operation was visible as overflowing trucks and helicopters left the area with loads of pot plants. Bianco said the drugs would be destroyed.Neighbors stopped to watch the trucks pass by, saying they're feeling safer already. Dan pumped his fist in excitement, saying, "I'm loving it."The Riverside County Sheriff had a serious message for anyone thinking about starting operations back up once law enforcement clears out: "Don't grow in Anza."In unincorporated Riverside County it is prohibited to cultivate marijuana unless you have a medical card, which allows you to cultivate no more than 12 plants. 2109

As hundreds of stores are closing their doors permanently across the country, Dollar General is announcing the opening of new locations of a spin-off concept, Popshelf.The Popshelf stores will carry seasonal home decor, health and beauty products, cleaning supplies and party goods, with about 95 percent of the items or less, according to a release from the company.At popshelf, customers will find a differentiated retail concept that seeks to bring joy to their shopping experiences, with surprising deals in targeted non-consumable product categories. We are excited to welcome customers into these stores,” said Emily Taylor, Dollar General’s executive vice president and chief merchandising officer.Popshelf stores will focus on “continually-refreshed merchandise, seasonal specials and limited-time items,” while also carrying products from Dollar General’s store brand. 888

An attorney for Siraj Wahhaj said he has seen no evidence to support the allegation that his client's children were being trained on a New Mexico compound to carry out school shootings.Wahhaj was one of five adults arrested on August 3 on the compound outside of Taos following the discovery of 11 malnourished children -- nine of whom were Wahhaj's. The five adults each face 11 counts of child abuse.The remains of a young boy were found on the compound on August 6, but it's still not clear if they belong to Wahhaj's missing son, Abdul-Ghani.In court documents, New Mexico prosecutors said the adults were training the children to commit school shootings. But Wahhaj's lawyer, Thomas Clark, said that he has seen nothing in evidence so far to support the accusation.If anything, the children were trained to protect the compound, Clark said.Wahhaj and his four co-defendants are scheduled to appear in a Taos courtroom Monday afternoon for a preliminary hearing.The-CNN-Wire 986

Amnesty International awarded Colin Kaepernick its Ambassador of Conscience Award on Saturday for his public protest against racial and social injustice."The Ambassador of Conscience award celebrates the spirit of activism and exceptional courage, as embodied by Colin Kaepernick," Salil Shetty, the human rights group's secretary-general, said in a statement. "He is an athlete who is now widely recognized for his activism because of his refusal to ignore or accept racial discrimination."The award is Amnesty International's highest honor, according to its website. Past winners include Nelson Mandela, Malala Yousafzai, U2, Alicia Keys and Ai Weiwei. Kaepernick was presented with the award at a ceremony in Amsterdam, Netherlands.Kaepernick, a former quarterback for the San Francisco 49ers, became the subject of controversy when he kneeled during the national anthembefore several 2016 NFL preseason and regular-season games in protest of police shootings of African-American men and other social injustices faced by black people in the United States."To me, this is something that has to change," Kaepernick said in an August 2016 interview. "And when there's significant change and I feel like that flag represents what it's supposed to represent, and this country is representing people the way that it's supposed to, I'll stand."His protest, which inspired other players to participate, sparked national debate over issues of police brutality and racial and social injustice. He was also widely criticized for what many onlookers characterized as showing disrespect to the US flag.Kaepernick's kneeling drew the attention of President Donald Trump, who said during a September rally in Alabama that NFL owners should respond to the protests by firing the players."When high-profile people choose to take a stand for human rights, it emboldens many others in their struggles against injustice," Shetty said. "Colin Kaepernick's commitment is all the more remarkable because of the alarming levels of vitriol it has attracted from those in power."In March 2017, Kaepernick became a free agent, but has yet to be offered a contract from any NFL team. In October, he filed a grievance against the league, accusing team owners of colluding to keep him from being signed.Kaepernick said Saturday that he shares the award with "all of the countless people throughout the world combating the human rights violations of police officers, and their uses of oppressive and excessive force.""I am here to join with you all in this battle against police violence," he said.Since becoming a free agent last year, Kaepernick completed a September 2016 pledge to donate million to organizations working in what he called oppressed communities.Kaepernick was named GQ's Citizen of the Year in November and in December accepted the 2017 Sports Illustrated Muhammad Ali Legacy Award. He has also received the Eason Monroe Courageous Advocate Award from the American Civil Liberties Union of Southern California in December. 3085

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