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Apparently, the mysterious monolith in a remote area of southeast Utah wasn't that hard to find for at least one person and his crew.Dave Sparks, star of the Discovery Channel show "Diesel Brothers," was able to find the tall and shiny object earlier this week, days after officials in Utah announced its discovery.Sparks posted videos on his Instagram account from the undisclosed location.Sparks says the monolith is an "insanely creative piece of metal art." He also described how the monolith was most likely constructed in an Instagram video. 555
ARLINGTON, Texas (AP) — Manny Machado tried to awaken a slumbering San Diego offense by screaming at his teammates after connecting for a homer against Clayton Kershaw. While it almost worked, the Padres fell into a 2-0 deficit in their best-of-five National League Division Series when Eric Hosmer stranded the bases loaded with a game-ending groundout off Joe Kelly in a 6-5 loss to the Los Angeles Dodgers.Machado’s solo shot in the sixth inning was followed immediately by another from Hosmer, closing the Padres to 4-3 in their first NLDS since 2006. 563
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
As classrooms across the country emptied and students streamed into school yards, Noah Borba stayed put.The 16-year-old Minnesota student said he didn't leave because he doesn't fully support the movement behind the National School Walkout."Because I have yet to have heard many good ideas, the movement seems too vague for my liking," Noah told CNN. "And I would not like to associate myself with something I could end up disagreeing with in the future."So he sat in his empty classroom Wednesday at Buffalo High School, feet propped on his desk. 555
An woman from Southern California and her safari guide who were kidnapped in Uganda were safely returned Sunday after a ransom was paid, according to ABC News. Kim Sue Endicott and her tour guide, Jean-Paul Mirenge Remezo,were freed in a negotiated handover. Kidnappers demanded 0,000, but it's unknown how much was negotiated for the release. Ugandan security forces launched a search for Kim Endicott and the local driver after they were abducted in a wildlife park on Tuesday. RELATED: American tourist, driver kidnapped in Uganda safari parkThey were ambushed by four gunmen in Queen Elizabeth National Park, a protected area near the porous border with Congo, according to Ugandan police and a government spokesman.Four other tourists were "left abandoned and unharmed" and later were taken to safety after reporting the incident to authorities, according to a separate statement from the Uganda Media Centre.Kidnappings in Uganda's protected areas are rare. Queen Elizabeth National Park, in southwest Uganda, is a popular safari destination in this East African country. 1089