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buried under snow a mile away from their car, police say.Detectives say 74-year-old Richard Alexander, and his wife, 79-year-old Elizabeth Alexander, likely died of hypothermia.Neighbors Mike and Diane Haas found the couple Friday. They say they saw two figures as they left their house around 1 p.m.. As they approached, they hoped for the best.“He wondered if they were sleeping, so he got out and yelled at them and they didn’t respond,” Diane Haas said.“I said 'Sir, sir!' And of course they didn’t respond," Mike Haas said. "It came pretty obvious pretty quick, their skin color and other details that they were deceased. So we immediately called 911 and made sure not to touch anything."Detectives with the Yavapai County Sheriff’s Office said the Alexanders lived nearby. Their car got stuck last week in a storm that dumped 10 inches of snow on Ash Fork.“Eventually they decided to leave their vehicle,” Mike Haas said. “They were headed to our house we believe. But 100 yards short."The YCSO says a preliminary finding shows no evidence of foul play.For the Haases, it is emotional to think the couple was suffering so close, while they were celebrating Thanksgiving.“It’s sadness,” Mike Haas said. “You wish you could’ve helped. You could’ve saved a life perhaps. Maybe two lives.”According to the Haases, they found Richard Alexander laying on top of his wife, possibly trying to keep her warm.“It’s terrifying to think that she might’ve been alive under her husband,” Mike Haas said.The Haases say the tragedy is a reminder to always be prepared during extreme weather.“If they hadn’t left their car, I really believe somebody would’ve checked on them. People drove by them but everybody assumed this was somebody who got their car stuck, they called and got rescued. Nobody would’ve ever thought that they were out here struggling,” Diane Haas said.This story was originally published by Zach Crenshaw on 1920

Cost varies. Based on credit score and loan-to-value. For purchase loans, fees can range from 0.55% to 2.25%, according to Genworth and the Urban Institute. 159

You might just need to walk into a Walmart to experience a Christmas miracle.In recent weeks, anonymous good Samaritans have paid off all layaway items in four Walmart stores in different parts of the country -- a total of more than 0,000.Julie Gates got an unusual surprise in early November when she walked into a Walmart in Derby, Vermont. A man waiting at the register offered to pay for everything she had bought and had on layaway --?and did the same thing for most customers in the store.This mystery man, who called himself "Santa," was apparently the first in a string of similar random acts of kindness in Walmarts across the United States. Since then, Walmart customers at stores in New York, Colorado and Pennsylvania discovered that their bills were taken care of and their layaway items had been paid for.All the mysterious Santas have chosen to remain anonymous -- and each has been generous in their acts of kindness.A Walmart spokesman confirmed to CNN that an anonymous donor paid for ,000 in layaway items at a Uniondale, New York, store while another spent ,000 in a Longmont, Colorado, store and a third shelled out ,000 at a Walmart in Kennett Square, Pennsylvania. Secret Santas have visited Walmart in seasons past, too. In 2016, a Santa paid for almost ,000 in layaway items at a store in Everett, Pennsylvania."When customers quietly pay off others' layaway items, we're reminded how good people can be," Walmart spokesman Payton McCormick said. "We're honored to be a small part of these random acts of kindness."McCormick said he doesn't know what's behind all the generosity but suspects it has something to do with the holidays.The store in Uniondale posted a picture of all the receipts from the unknown customer's act of kindness."Thank you again on behalf of the Uniondale community," the store posted on Facebook.Walmart shopper Lisa Mcmillan, who according to her Facebook profile lives in Longmont, says she was "blessed by some Christmas angel.""I had been freaking out about Christmas and not being able to get my kids presents, as I am a single mom of 5 at the moment," she posted on Facebook.On November 29, she said she received an email from Walmart that her layaway account of 0 had been paid for by an anonymous person."I pray to God that whoever did this is reading this right now...You have absolutely no idea what you did for me and how much of a burden you lifted off my shoulders," she said. 2486

-- and loudly trumpeted -- with the young despotic leader remains intact, the President insisted.And the summit ended amicably, without either man storming away."It was a very friendly walk," Trump said.'Closer'Still, the absence of a joint agreement reflects an anticlimax for a summit event Trump had hoped would prove naysayers of his diplomacy wrong.He conceded that US and North Korean officials remain at odds about the precise definition of denuclearization, which is the ostensible goal of his efforts."He has a certain vision and it's not exactly our vision, but it's a lot closer than it was a year ago and I think eventually we'll get there," Trump said.And he described Kim as singularly focused on ending the sanctions that have crippled his economy and helped bring him to the negotiating table in the first place.Trump said Kim had offered to begin dismantling the Yongbyon nuclear facility, a step that would have amounted to a major concession. But it wasn't enough, Trump said, alluding to additional sites that comprise what is a deeply secretive nuclear program."We asked him to do more and he was unprepared to do that," said Secretary of State Mike Pompeo, who joined Trump on stage for the duration of the news conference. "Everyone had hoped we could do just a little bit better."US and North Korean negotiators had been in Hanoi for days drafting language of a joint agreement ahead of the talks, and the ceremony was listed on a version of the President's public schedule released Wednesday evening. Stephen Biegun, the President's North Korea envoy, arrived several days before Trump to seal the document.During an expanded session with aides, Trump and Kim discussed the prospect of opening a US office in Pyongyang, North Korea's capital. Kim said he would welcome the idea, and Trump deemed it a "good idea."Yet afterward, it appeared the chances for that -- along with any other concessions or agreements -- were dashed, even as the White House insisted the talks were productive.The two leaders departed the Metropole, the French-colonial hotel where the talks unfolded, around 1:30 p.m. local time, roughly four-and-a-half hours after the talks began.They also left without participating in a working lunch, even as chefs had been preparing plates of foie gras and snow fish.Lowered expectationsIf the day ended without a triumphant finish, there were extraordinary moments peppered throughout the day.In unprecedented back-and-forth exchanges with journalists, Kim insisted he was open to denuclearization, though didn't say what he believed that meant.It's believed to be the first time Kim has answered a question from a foreign journalist, a landmark event for the iron-fisted dictator."If I'm not willing to do that I won't be here right now," he said through an interpreter.Kim, for his part, also expressed cautious optimism earlier in the day that a deal would eventually be struck. But he did not suggest such an accord would come soon."It's too early to say," he said in response to a foreign journalist's shouted question. "From what I feel right now, I do have a feeling that good results will come out."He again responded to journalists later in the day, albeit somewhat begrudgingly.The two leaders went back-and-forth over the prospect of exchanging liaison officers -- a low level diplomatic partnership -- after the issue was raised by a journalist.Initially, Kim seemed to reject the question, proposing to Trump that the media be excused from the room. But Trump seemed to goad him to answer, saying it was a good question."I would like to hear that answer," Trump said.Kim responded through his interpreter, saying it would be something that was "welcome-able."Trump expressed a similar sentiment: "I actually think it's a good idea."Kim added it would be better for Trump and him to discuss it together in private.Trump's dual objectivesTrump was 3902

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