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The campaign ads are airing every set of commercials on the major television networks right now: Election Day 2018 is here on Tuesday.How many seats are open in the House of Representatives? What is the minimum age a member of the House must be?Take our quiz to see how much you know about the United States' leadership and its duties. If you can't see it below, click here. 382

The burned remains of a Michigan woman have been identified by authorities as Susie Zhao, 33. Zhao played poker on the national competitive circuit. Zhao's body was discovered near a park in a Detroit suburb on July 13 around 8 a.m."The female subject was badly burned," according to a press release from White Lake Township Police."Surprised, confused, and saddened," said her former roommate Yuval Bronshtein. "It's hard to picture her having enemies."Bronshtein said Zhao bounced between cities including Los Angeles and Vegas and recently moved back to Michigan to be with family to be with her parents and to confront challenges in her personal life.She was an avid poker player and a national talent on the competitive circuit."She really was a excellent player," said Bart Hanson, a friend and poker rival. "One of the best in L.A. at the level we played at the Commerce Casino and it's the biggest poker room in the world."Authorities said a motive is unclear. The FBI is also assisting in the investigation."I never would have thought anyone would of wanted to do anything to her," Hanson said.This story originally reported by Rudy Harper on wxyz.com. 1170

The coronavirus pandemic pumped up bicycle sales to the point that buyers confronted the first bicycle shortage in the U.S. since the 1970s. In tandem with that sales surge, bicycle theft has soared in a number of U.S. cities.As you might expect, the rise in bike ownership and theft has prompted more Americans to ponder insurance coverage for bicycles. That’s a particularly valid concern, since more than 2 million bikes are stolen each year in North America, according to Project 529. Pedal along as we examine the numerous spokes of bicycle insurance.How Are Bicycles Insured?Bicycles are covered under the personal property section of a standard homeowners or renters insurance policy. An insurer will reimburse you, minus your deductible, if you file a claim when your bike is stolen or when it’s damaged in a fire or other disaster that’s covered by your policy.Furthermore, homeowners and renters policies offer financial protection (under liability insurance) if you injure somebody or damage someone else’s property when you’re riding your bike.If your bike is damaged because you fall off or you collide with a tree, pedestrian or curb, it won’t be covered by your homeowners or renters insurance unless you add it separately to your policy. This is known as “scheduling” an individual item.If you’re riding your bike and are injured in a crash with a vehicle, your auto insurance policy would generally cover your medical bills under either personal injury protection or medical payments coverage, assuming you have one of those.Snejina Zacharia, founder and CEO of insurance marketplace Insurify, further notes that homeowners or renters insurance usually doesn’t cover a bike (or any of your possessions, for that matter) if it’s damaged or destroyed in a flood, earthquake or landslide.What Kind of Coverage Do I Need if I Own an Expensive Bike?The Insurance Information Institute suggests that if you own an expensive bike, you should ask about an add-on to homeowners or renters insurance known as an endorsement to boost your coverage. You also can explore a standalone bike insurance policy.Bike insurance policies usually provide broader and deeper coverage than homeowners or renters insurance policies do. For example, Markel’s bike insurance can cover things like crash damage, roadside assistance, spare parts and replacement-bike rentals, whereas a typical homeowners or renters insurance does not.Markel and another bike insurer, Velosurance, say their annual premiums start at 0. Markel’s average bike insurance policy costs 0 to 0 a year.Trusted Choice, a network of independent insurance agents, says you should look into standalone bike insurance if:You spent a lot of money on your bike. An everyday bike might cost roughly 0 to 0, while a specialty bike might go for more than ,000.You frequently ride off-road, potentially placing you and your bike at greater risk for harm.You compete at cycling events.You own a bike that’s been specially designed, upgraded or modified.You lack homeowners or renters insurance.You don’t have health insurance to cover injuries you might suffer in a cycling crash.Should You File a Claim if Your Bike Is Stolen or Damaged?If your bike is worth 0 but your homeowners or renters policy carries a 0 deductible, Zacharia recommends against filing a claim.“Not only will a claim increase your monthly premiums, but you won’t be getting anything in return. Essentially, it’s a lose-lose situation,” she says.If your bike is worth more than the deductible, calculate your potential claim check amount. If it’s small, it still probably isn’t worth filing a claim and risking a rate increase in the future that could cost you more over time.“It’s really about the balance between the cost of replacement and the increased cost on your monthly premiums. Some people might also say the hassle of making a claim is an additional downside,” says Zacharia.“Remember that your deductible matters,” Zacharia adds. “If your bicycle is worth 0 but your deductible is set at ,000, you’ll be paying out of pocket to replace it. It’s up to you where you set a deductible level. Just be prepared for the bill.”Registering Your BikeOne way to discourage bike theft—or at least have a better chance of getting your stolen bike back—is to engrave a serial number on it and register the number with the local police department. For example, New York City offers a bicycle registration program. 4472

The first snowflakes flew into the lower 48 this week.A big winter storm blew through the higher elevations of western Montana and northern Idaho earlier this week, and now, a few of those snowflakes may fall in parts of western Wyoming and in the mountains of Utah and Colorado. 287

The Farmers’ Almanac has released its wintertime forecast for 2020-21 on Monday, and said it is expecting a cold, snowy winter for much of the United States.Where it is normally cold enough to snow in the US, the Farmers’ Almanac predicts above average snowfall in most areas.From the Mississippi River to the east, the US is expected to see below normal temperatures. The northern Plains and Rockies will also see colder than average temperatures according to the almanac.The Pacific Northwest could see some of the most pleasant weather of the winter in the US, with mild and dry conditions expected there. The southwest is expected to see normal temperatures.Snow lovers, before you get too excited by the forecast, know that long-term forecasts have a tendency to be off.Last year, the Farmers’ Almanac predicted a “Polar Coaster Winter” for much of the US. Those predictions did not come to light, especially in the Midwest, which had a well above average winter.Still, the Farmers’ Almanac stands by its projections."Preparing people for the unexpected is more important than ever," states editor Peter Geiger, Philom. "Our job as editors of the Farmers' Almanac is to pass down valuable tips and advice to help our readers thrive, no matter the obstacles."To see more detail on the Almanac's forecast, click here. 1328