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on their walk to school.Terri Johnson is a substitute crossing guard for Tooele City.This week as the weather has cooled down, she noticed some of the kids walking to school without coats.That’s when she came up with a simple idea to help out.“They’re going to school wrapped in blankets and that’s not enough,” Johnson said.This week she decided to do something about it. She posted on Facebook, asking people to donate coats for the kids.“It was just an idea to post it there and see what would happen; it has just been phenomenal,” Johnson said.She’s already seeing some response from the community, getting several small trash bags full of coats.She said there’s still more kids who need help, and she’s hoping the community will come together for not only the kids in Tooele, but those in other cities too.“I can’t do it by myself, but if you had something in your closet that your kids not wearing anymore, why not help somebody out?" Johnson said.Anyone interested in donating to the cause should 1006

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

– is an organization working to advance gender equity for women and girls. “Overall, the gender pay gap is 82 cents on the dollar right now from the most recent research this Fall of 2019. That means on average full-time working women earn 82 cents on the dollar compared to men working full time,” AAUW CEO Kim Churches said. According to Churches, the gender pay gap extends to every industry and the higher a job is in pay, the larger the gap typically is. “So the gender pay gap really is that when you have equal skills and equal educational levels, and yet women are paid systemically less than their male colleagues,” Churches said. Churches says part of the problem is that women have been historically steered toward a certain type of career that’s typically underpaid, like teaching or social work. However, she says women are still being offered less money when entering traditionally male-dominated professions. The same can't be said when the roles are reversed. “Nursing is a great example of that. More men have been entering the nursing field, and yet there’s still an 8 percent pay gap. Meaning once men entered, they were out-earning their female colleagues,” Churches said. So why is this happening? Besides traditional bias, Churches says states that haven’t updated laws are using salary history to determine future salary and women are often less likely to negotiate pay. With more dual-income parents today and more women becoming the breadwinner of their family, Churches says there needs to be updated policies, employers have to improve their practices, and women must feel empowered to navigate their own financial futures. “Frankly this is not just a women’s issue, it’s about economic security for families,” Churches said. Families that many young women hope to have. “The wage gap is supposed to close in 2048, and that is not ok. It should be now. It should have been a while ago. So I think our hope is that with awareness it can speed up and it can close faster than that,” Worden said. The girls’ story has helped to sell 0,000 worth of “equal pay” jerseys with the proceeds going toward promoting women’s economic equality.  2169

— citizens have been asked to only leave their homes for once a day for no more than an hour in order to limit the spread of the coronavirus.But the lockdown didn't stop one man from running a marathon.According to the 221

— and he's got the scars to prove it.Kyle Lano says the e-cigarettes he thought were a safer alternative to smoking were instead a more efficient way to die.There are now 9 million vapers in the United States and a measly 450 who have suffered severe lung illness. In the minds of many vapers, the numbers don't warrant the health hysteria now sweeping the nation.Or at least that's what 21-year-old Lano told himself and anyone else who would listen."I would always argue how safe it was until those e-cigarettes took effect on me," he said.One year ago, the self-proclaimed vaping fanatic suffered a collapsed left lung."At this time, I didn't think vaping had anything to do with it," he said. "And I told my family and the doctors that same thing. So, I didn't stop."His vaping habit, what he calls his addiction to the vaporized nicotine, continued unabated following his hospitalization."I liked the clouds and the nicotine," he said. "I was really into it."Then, this summer, his love of vaping collapsed, along with his right lung."My chest just got really tight and I felt a sharp pain come right back up to my chest," Lano said.His choice of whether to quit had been flanked by his addiction."Now I believe it's vaping because it's the only thing I'm doing," Lano said. "There's no other reason why my lungs should've collapsed the way they did."Lano spent six days in the hospital this time. It cost his family thousands. But much worse, he said, it cost him one-third of his right lung and a lifetime of diminished lung capacity."I didn't know how serious it was until I was actually in the hospital and they showed me how small my lung was," he said.A smoker gets plenty of warning before major health effects set in. That includes years of coughing, a loss of taste and smell. They are all precursors to something worse is on the horizon. However, for vapers like Lano, symptoms don't include a heads up — and we could be years from understanding why.Dr. Christian Thurstone is the Director of Behavior Health at Denver Health. He knows why teens and young adults get hooked on vaping. It's the same reason anyone can get hooked on smoking: nicotine. But what he calls the Russian roulette being played by millions with vaping is mind-boggling to him.And, until more is known about what's going into vaping juices, his advice is the same today as it was when vaping hit the U. S. market more than a decade ago."Until we know a lot more information about exactly what ingredient is in the vape juice that's causing these deaths and serious illnesses, the best advice is to stay away from vaping," Thurstone siad.That's terrible news for the vaping industry, which is largely unregulated and now under tremendous scrutiny. Still, 40% of Denver teens have tried vaping, and half of those were still vaping this month.Lano sees the continued popularity of vaping among teens and young adults and pictures an entire generation clouded by false claims and fancy flavors. He fears the real costs of this "untested" habit coming into focus far too late."We have our whole lives ahead of us, and we're going to end up on oxygen in our 20s and 30s," Lano said.Vaping has quickly become one of the most popular addictions for an entire generation.While vaping supporters insist cases of severe lung illnesses and death are only tied to those users who load their vaping devices with black market THC products and tainted juice pods, Thurstone has seen a different science. It's convinced him dangerous oils and heavy metals can show up in just about any vaping pod. Thurstone says that to assume a vape pod doesn't contain dangerous chemicals is little more than a user taking a leap of faith.This story was originally published by David Klugh on 3751