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Your friends are getting married, and then they pop a question to you: Will you officiate at the wedding?Leading a marriage ceremony is an honor, and you don’t have to be a professional. Plus, it’s becoming more common for couples to look to their inner circles for wedding officiants. About 47% of couples had a friend or family member officiate at their wedding in 2017, up from 29% in 2009, according to online wedding-planning marketplace The Knot.But make sure you know what’s expected as an officiant. Here’s an overview with some expert advice and my own experience. 581

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

Yes, chain control is in effect in the mountain communities. Not all locations you are required to put them on, but bring them so you have them. This goes for your fancy 4WD/AWD vehicles too! Some locations have an R3 level, you are putting all chains on no matter your vehicle.— Caltrans District 8 (@Caltrans8) November 30, 2019 344

With the 20th anniversary of 9/11 coming up next year, the children of 9/11 first responders are coming together to share their stories for the first time in a new book due out next year."Even though we all experienced the day, we wall experienced it differently," said Susan Fiorentino, daughter of NYPD Retired Detective Pete Fiorentino, who responded to the World Trade Center attacks. "I was 10," said Susan, now 29 years old. It was Fiorentino's idea and she is leading the project to collect stories. "It’s important to raise awareness this is still a community that is suffering and we need to support them."So far, she has gathered 50 stories, including her own. She says the experience of 9/11 has influenced her and so many other 9/11 children to lead a life of service."I had a lot of people who said because my father because my mother was a first responder, that is what made me get into the first responder field," she said.She is still looking to collect more stories about how the children of 9/11 responders saw their childhood and now adulthood impacted by the day, documenting history through the eyes of some who have never told their stories before."Through connecting with others in my own experience in getting help with being a 9/11 first responder child has helped me so I hope it would help others as well," she said.The book will be published next summer. All the proceeds will go to the Tunnel to Towers Foundation, which honors first responders and members of our armed forces.Anyone interested in submitting their story should e-mail Susan before December 1 at Susan.Fiorentino11@gmail.com.This story was first reported by Christie Duffy at WPIX in New York, New York. 1706

WOODBRIDGE, Calif. (AP) — An 11-year-old Northern California boy died after shooting himself during a Zoom distance-learning class while his microphone and camera were off.The San Joaquin County Sheriff's Office says deputies were called to a home in Woodbridge Wednesday morning and found the boy with a self-inflicted head wound. He died at a hospital.Deputies told KOVR-TV that the boy's microphone and camera were off when he shot himself during a sixth-grade Zoom class.The Woodbridge Elementary School student's name and other details weren't immediately released.The school district is offering counseling and bereavement support to staff and students. 667