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- one of a series of treaties that the Central Powers signed after their defeat in World War I - outlined the dissolution of the Ottoman Empire and called for an autonomous Kurdistan.Three years later, after the end of the war, Western allies dropped demands for an independent Kurdish state and the Kurdish region was divided among several countries.What does Turkey have to say?Turkish President Recep Tayyip Erdogan has always adopted a robust attitude against Kurdish nationalism. The President made it clear that his ultimate goal is to 543
You’ve decorated the tree, put up the lights and placed a lit candle in every window. But the next thing you know, you smell smoke.Candle fires, stolen presents and other calamities can put an unwelcome damper on your seasonal cheer, but insurance can often help clean up the mess. Here are some common holiday disasters and how your homeowners insurance can come to the rescue.1. Decorations catch fire“Chestnuts roasting on an open fire” takes on a whole new meaning when the halls are decked with fire hazards. Dehydrated Christmas trees can go up in flames if placed too close to a heat source, and fires from candles make up half of December home decoration fires, according to the U.S. Fire Administration.Fire is covered in three main ways. Dwelling coverage pays for repairs to your home, while other structures coverage is for things like a detached garage or fence. Personal property coverage will pay to replace damaged belongings, up to your policy limits.To avoid festive fires, keep candles away from flammable objects, follow all manufacturer instructions for holiday lights outside and keep a real Christmas tree hydrated.2. Your identity gets stolenIf you’ve shopped online for holiday gifts this year, your credit card or bank account information may be at risk of getting stolen.Identity theft coverage can pay for out-of-pocket expenses related to identity theft or fraud. Some homeowners insurance policies automatically include this coverage for free, but you’ll probably have to add it to your policy.You can reduce the risk of identity theft from online shopping by avoiding unsecured networks and by purchasing from trusted stores — check for a privacy policy on the site and a padlock to the left of the URL. To protect yourself from potential data breaches, reenter account information with every purchase instead of allowing online vendors to store your information.3. Presents get stolenIf expensive holiday gifts go missing, don’t pout. Your personal property coverage covers items stolen from your home and car, up to your policy limits.To prevent any grinches from stealing holiday presents, avoid letting packages sit unattended and consider setting up a security camera system around your home. If you leave gifts in the car, tuck them away safely in the trunk, lock the doors and park in a well-lit location.If gifts are stolen, file a claim with your insurance company only if their value exceeds your deductible.4. A guest gets injuredSay you undercook the turkey and send relatives to the hospital. Maybe someone breaks a hip on your icy walkway, or the dog bites a guest. You could end up on the hook for their medical costs.The medical expense coverage in your home insurance policy pays to treat your sick or injured guests, no matter who’s legally responsible, while your personal liability coverage will cover you in case they decide to sue.Because of the pandemic, you may be skipping holiday gatherings entirely this year. But if you do host guests, make sure you abide by the guidelines for small gatherings from the Centers for Disease Control and Prevention, or CDC, which include wearing face masks and practicing social distancing.5. A water pipe burstsIf a pipe gets cold enough, water freezes and expands inside, increasing the chance of a burst. Water damage from burst pipes is generally covered by home insurance, but check the fine print in your policy, as you’re covered only if the burst is accidental and not due to poor maintenance.To avoid damage, watch for warning signs of frozen pipes, such as low water pressure or frost on the outside of the pipe. To offset the chance of a water burst:Keep your home’s thermostat set to a minimum of 55 degrees.Open kitchen- and bathroom-sink cabinets to allow for circulation of warmer air.Let water drip from faucets to relieve water pressure.More From NerdWalletGot Life Insurance? You May Not Have EnoughBought a Pricey Present? Here’s How to Insure ItLife Insurance Shoppers Lose Interest When COVID-19 Cases DropBen Moore writes for NerdWallet. Email: bmoore@nerdwallet.com. 4088

after hiking in the Kit Carson Peak and Challenger Point area in Colorado.Custer County Search and Rescue reported that July 24, a person called 911 to report 41-year-old Lt. Colonel USAF Dan Wallick as an overdue hiker. The caller said Wallick had intended to summit both peaks. Saguache County Search and Rescue requested assistance from multiple agencies the following day at 6 a.m. to help search for him. Rescuers covered the major trail system and routes leading up to Kit Carson Peak and Challenger Point, which are both over 14,000 feet.On Saturday, Wallick's body was found by a Colorado Division of Fire Prevention and Control helicopter. Due to difficult terrain and poor weather, the search teams weren't able to recover his body until Sunday. Custer County Search and Rescue said they are sending their condolences to Wallick's family, friends and loved ones. 875
Your credit score. It's the magic three-digit number that offers you access to a world of opportunity, like renting a fabulous apartment, or snagging a cheaper rate on a home mortgage or a car loan.Yet one in five Millennials have never even checked their credit score, according to new data by LendEDU, an online marketplace for student loan refinancing.But if you're not planning on making any major purchases, do you really need good credit?Most people are familiar with the notion of presenting your credit score when you lease a car or rent an apartment. But everything from your deposit requirements set by utility companies to the premium you pay for your insurance can be affected by your credit score, according to Jeff Richardson, a credit expert at VantageScore."A low credit score can mean the difference of thousands and thousands of dollars," says Richardson.Here are three ways you may be really mismanaging your credit:1. Getting sloppy with contractsYou're nearing the end of a car or apartment lease, and the end is in sight. But forgetting to pay that final utility bill before moving, or defaulting on your apartment lease, can land your credit score in hot water, says John Ulzheimer, a credit expert at The Ulzheimer Group."Not paying final utility bills is a particularly important to be wary of since young people tend to be more nomadic than older people," he says.You can also end up with a lower credit score by running up excessive mileage on a car lease or failing to pay for damage to an automobile or an apartment."These are the terms that are often overlooked by younger credit users and jump up to bite them in the form of a large lump sum required payment," he says.2. Overdoing it with credit card applicationsIt can be tempting to apply for retail credit cards to save some money on your shopping purchases, but failing to space out applications can temporarily damage your credit score, according to Ulzheimer.He notes that young people should be particularly cautious over the holidays, when many retailers urge people to take advantage of big discounts for holiday sales.Every time you apply, the creditor will run a credit check before they approve you for a new card.Not only are the credit checks a temporary drag on your score, but opening new cards can drag down the average age of your credit history, another factor that weighs on your score."[Retail cards] result in several new credit inquiries and new accounts, and both of those can hurt your credit scores," he says.3. Avoiding credit altogetherThese days, it feels increasingly easier to avoid using credit cards. Apple Pay, Paypal, Venmo and prepaid debit cards have vastly changed the way people make financial transactions."Back in the day there were very little options outside of a general use credit card," says Richardson.Today, however, young people can't even access credit cards until they have proof of income, as a result of the Credit Card Act of 2009. That is causing many people to delay building their credit score -- a mistake that may haunt them as they try to make larger purchases later in life, according to Richardson."Unless you're going to write a check to buy a car or house, you're going to need some sort of credit," he says. "Credit avoidance is simply not credit management." 3329
is safe thanks to Good Samaritans at a gas station in Cambria, California. A group of civilians confronted the suspect, 24-year-old Victor Magana, after he allegedly stabbed his girlfriend and took off from San Jose with their daughter. Al Ashcroft, a man visiting the Central Coast from Oregon, recognized the suspect's vehicle, a 2007 Hyundai Santa Fe, from the alert Monday morning at a Shell gas station. While he blocked the car in and called police, nearby men helped restrain the driver. "Four of us surrounded him and said, 'You're not leaving,'" Ashcroft said. Deputies say Magana locked his keys inside the car with the child while making a pit stop in Cambria. "He hit the window twice to try and break in and finally a guy bear hugged him from behind and I took the rock away," Ashcroft said. Witnesses say Magana bought snacks at the store and tried to break into his car to feed his daughter. "He kept screaming that he wasn't that guy, that it wasn't him and that his daughter hadn't eaten in six hours," said Tammy Hall. The little girl was strapped in the front seat the whole time civilians were attempting to restrain the father. Many are praising the people who stepped up to save her. "I am amazed that these men were able to hold him here and stop him from taking off. They were very brave. Heroes," Hall said.Both Magana and the girl are in custody. Magana will eventually be transferred back to Santa Clara County, according to authorities. According to NBC Bay Area, Magana's girlfriend suffered at least one stab wound. She was taken to a hospital where she remains in critical but stable condition.This article was written by Megan Healy for 1674
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