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You will soon be able to freeze your credit report for free, a step that can help protect you from identity theft.Many called on Congress to make freezes free after the massive Equifax breach last year that exposed the personal information of more than 146 million Americans to hackers.The provision was included in a broader bill passed by the House on Tuesday, which rolled back regulations on banks created by Dodd-Frank. The bill now heads to President Donald Trump's desk.When you place a freeze on your credit report, it prohibits the credit rating company from disclosing your personal information, effectively preventing anyone from opening a credit card or loan in your name. You'd need to lift the freeze if you want to open a line of credit yourself.A freeze goes a step further than a credit monitoring or fraud alert service. Those generally notify you of suspicious activity after it happens.But under current state laws, there is often a fee to place and lift a credit freeze Most security freezes cost between and , though several states have already made them free.Plus, you'd need to place a freeze on credit reports at all three credit rating agencies — Experian, Equifax, and TransUnion — and pay a fee at each of them.The new legislation will make placing, lifting, and permanently removing freezes free no matter where you live. It also requires consumer rating companies to fulfill your request within one business day if made online or over the phone, and within three business days if requested by mail.The changes will take effect about four months after the bill is signed.To set up your own credit freezes, go to the freeze page at each credit agency's website individually: Experian, Equifax, and TransUnion. You will be given a PIN that you'll need to lift or remove the freeze in the future.Often there is no charge for victims of identity fraud to add or lift a security freeze. After the data breach, Equifax made freezes free for everyone until June 2018. 2058

and is fighting for her life at the hospital.Minnesota Timberwolves' center Karl-Anthony Towns delivered an emotional announcement Wednesday morning. In the message shared on his social media channels, Towns explained that early last week, his parents weren't feeling well and that he urged them to go to the hospital.His father, Karl Sr., was eventually released from the hospital. But his mother, Jacqueline, has remained hospitalized and her health has deteriorated."Things went sideways quick, and her lungs were extremely getting worse," Towns said in the video. "She had to be put on a ventilator." 607

— like Big Brother is very much watching. And such systems do dance a fine line between informative and intrusive. But they also could help mitigate the spread of a virus, and that could make the difference between having Michigan Stadium empty on a fall Saturday or having 100,000 fans rooting on the Wolverines again.Not everything will be as overt as barren concourses and empty seats, either. Most of the changes that colleges and teams are implementing will go unnoticed by those who settle in for the kickoff or first pitch.Premier League club Tottenham recently opened its new London stadium after spending millions to create more than 1,600 WiFi access points and 700 Bluetooth beacons, ensuring fans are able to utilize crowd-density apps and other technology. Many facilities are upgrading heating, cooling and ventilation systems to scrub air as it circulates through their buildings, while others are toying with the use of QR codes to monitor the health of their patrons.“We’re extrapolating off these trends that have already existed, and I think we’re going to kick-start into 2025 even though it’s only 2020,” said Jason Jennings, director of strategy and digital integration for the sports and entertainment group at Mortenson, which is wrapping construction on the Raiders’ new .4 billion stadium in Las Vegas. “The technology is going to be deployed much faster because of the value it has for the fan experience and public health.”Even the way facilities are cleaned will change. No longer will hosing down seats and sweeping up trash left by fans be enough. Venue giant ASM Global recently announced a new hygiene protocol for its 325 facilities worldwide, noting the importance of hewing to international health recommendations from the likes of the Centers for Disease Control and the World Health Organization.Few professional teams have been willing to divulge their reopening strategies, whether that be potential seating layouts or infrastructure upgrades. The rapidly changing social and political environment coupled with the unpredictable nature of the virus have made planning difficult. But the Miami Dolphins and Hard Rock Stadium recently committed to being the first public facility to receive a STAR rating from the Global Biorisk Advisory Council, which involves completing a rigorous program to help provide what Dolphins chief executive Tom Garfinkel “the safest environment possible.”Of course, even that might not be enough. While much remains unknown about the novel coronavirus, one fact that is painfully clear is how easily it spreads. No league or team wants their games to become 2630

You can expect a "drinking checkup" when you visit the doctor. All adults, including pregnant women, should be screened for unhealthy alcohol use by their primary care physicians, the United States Preventive Services Task Force advises. For those patients who drink above the recommended limits, doctors should provide brief counseling to help them reduce their drinking, according to the new task force statement?published Tuesday in the medical journal JAMA.As far as teens, the independent panel of medical experts came up empty. The task force said it did not find enough evidence to make a recommendation for or against alcohol screening and counseling for those under the age of 18. The panel is calling for more research.Unhealthy alcohol use means drinking beyond the recommended limits. No more than four drinks in a single day and 14 drinks in a week is the line drawn for men age 21 to 64, according to National Institute on Alcohol Abuse and Alcoholism. For women and older men, the institute advises no more than three drinks in one day and no more than seven drinks in a week. There is no safe level of alcohol for pregnant women, according to the institute.The negative consequences of too much alcohol include illness, injury, and death -- unhealthy alcohol use ranks as the third leading preventable cause of death in the US according to the task force. When pregnant women drink, birth defects and developmental problems in their children may follow. 1497

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

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