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Army Sgt. Bowe Bergdahl teared up at his sentencing on Monday as he apologized to service members who searched for him after he deserted his outpost in Afghanistan in 2009."My words can't take away what people have been through," Bergdahl, 31, told an audience at his court martial that spilled into an overflow room. "I am admitting I made a horrible mistake."Bergdahl pleaded guilty October 16 to desertion and misbehavior before the enemy. His lengthy testimony began after the presiding judge rejected his attorneys' request to dismiss the case over President Trump's criticism of him during his campaign for the White House. 647

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

Arrest Made, Additional Information Sought in Galleria ShootingMontez Moses Miracle Coleman 22 years oldBirmingham, AL- Capital Murder No Bond- 3 counts of Assault 2nd degreeNo BondPress release: https://t.co/lZrv4Jg8up@CSMetroAL #hooverpd pic.twitter.com/AVF0cAFtTd— Hoover Police Dept (@HooverPD) July 5, 2020 322

Andrew Drechsel, who was crowned champion of "American Ninja Warrior" last year, was arrested and federally charged "with seeking sex with a minor and inducing her to send him sexual explicit images," U.S. Attorney for New Jersey Craig Carpenito said in a statement."Drechsel, 31, of Saint Cloud, Florida, was charged with the manufacture of child pornography, enticement of a minor to travel for illicit sexual conduct, traveling with the intent to engage in illicit sexual conduct with a minor, and use of interstate commerce to entice a minor," Carpenito said in the news release. "He (Drechsel) made his initial appearance today (Wednesday) in the U.S. District Court for the Middle District of Florida, prior to his transfer to the District of New Jersey."According to the court documents, Drechsel, and the alleged victim first met in 2014 at an event attended by numerous "American Ninja Warriors" contestants.In 2015, Drechsel and the alleged victim, then 15, first had sex at his Hamden, Connecticut gym, the court affidavit stated.The affidavit says the teen told her mother, who then confronted Drechsel. The mother said when told Drechsel that the alleged victim had just turned 15, he didn't deny having sex but stated he did not know her daughter's age, the affidavit said.In June 2019, the alleged victim, who was 19, made a complaint to the Cherry Hill Police Department in New Jersey, stating that she and Drechsel had sexual encounters multiple times when she was 15 to 17 years old, court records said.Drechsel's lawyer, Frank Riccio, said in a Tweet on Tuesday that his client plans on pleading not guilty. 1634

ARCADIA, Calif. (AP) — A 30th horse has died at Santa Anita on the last weekend of racing before the Southern California track closes for the season.Mike Marten, a spokesman for the California Horse Racing Board, says a 4-year-old gelding named American Currency was injured Saturday while exercising on the training track and was euthanized.The board had recommended that Santa Anita suspend the current meet following a string of deaths since Dec. 26, but management chose to continue until the last day of the meet on Sunday.Track owner, The Stronach Group, formed a panel to review horses' medical, training and racing history for the final six racing days.But Marten says American Currency wasn't entered to run in any race and thus wasn't subject to review by the panel.The horse is the fourth from the stable of Hall of Fame trainer Jerry Hollendorfer to die at the track. Hollendorfer was banned from Santa Anita following the latest death.The Stronch Group said in a statement that Hollendorfer "is no longer welcome to stable, race or train his horses at any of our facilities."On the recommendation of the special panel, the track's stewards scratched four horses trained by Hollendorfer that were to run Saturday and Sunday. 1244