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It will cost a little less to buy Obamacare coverage in 2019.The average premium for the benchmark silver plan will decline by 1.5%, the Centers for Medicare & Medicaid Services said Thursday.It's the first time average premiums have fallen since the Affordable Care Act exchanges opened in 2014 — but the decline comes after a 37% spike for this year's benchmark silver plan.Americans who buy those plans will save a month over this year's rate, on average, but will still be paying 5 more a month than in 2017.Premiums vary across the 39 states that use the federal exchange. The biggest drop will be in Tennessee, where premiums will fall by more than 26%.The vast majority of Obamacare enrollees are not affected by annual premium changes because they receive federal subsidies to offset the cost. 819

Italian authorities have launched an investigation into the cause of death of 26 teenage girls whose bodies were recovered in the Mediterranean Sea on Sunday.The girls, aged 14-18, are believed to have been migrants from Niger and Nigeria who had embarked on the treacherous route to Europe from Libya over the weekend.Lorena Ciccotti, Salerno's head of police, told CNN that autopsies would be carried out on Tuesday and that coroners would be investigating whether the girls had been tortured or sexually abused.Their bodies were found close to a flimsy rubber dinghy that had all but sunk when rescuers arrived, Ciccotti said. Aid workers had described a grim scene: survivors hanging onto the remains of the vessel as the girls' bodies floated nearby.Their rescue was one of four separate rescue operations carried out in the Mediterranean over the weekend. In total, 400 people were brought aboard the Spanish vessel Cantabria before disembarking at the Italian port town of Salerno.Among them were 90 women and 52 minors, including a week-old-baby, authorities said.Libya is a well-known jumping-off point for migrants seeking refuge on European shores. Many from sub-Saharan Africa, are fleeing war and persecution; others from impoverished nations in Africa, the Middle East and South Asia have made the treacherous journey in search of better economic opportunities.The North African country is a hotbed for human traffickers, whose network of smuggling operations have gone widely unchecked due to Libya's lack of effective central governance.On Monday, Italian police arrested two men, an Egyptian and a Libyan accused with human smuggling. The men are not believed to be connected to the boat that was transporting the teenage girls.Since the start of this year, 2,839 migrants have died on the central Mediterranean route, according to the International Organization for Migration. 150,982 migrants have reached European shores, of which around 74% are Italian arrivals.In August, Italy deployed two military ships to Libya, offering training to the Libyan Tripoli Coast Guard following an agreement signed between the Italian Interior Minister, the Tripoli government and various mayors of Libyan villages to fight human trafficking. 2260

In proximity, the United States and Canada couldn’t be closer.  But when it comes to gun control, the two countries couldn’t be further apart. “A majority of the people do not feel the need to have a gun because we’re quite safe,” says Debbie Thorburn, a Windsor, Ontario resident.In Canada, they talk about guns differently because they look at guns differently.“You have the Second Amendment,” said Brian Green, a manager at General Guns in Windsor. “We don’t.”Detroit, Michigan saw 302 homicides in 2016, with most involving a firearm. Across the river in Windsor, during the same time, there were only three. “I would think that most Canadians are squeamish around firearms and don’t want any part of it,” said Al Frederick, Windsor’s police chief. “The difference, I think in my view, is the accessibility to firearms,” he said. “We don’t have a culture of people that are eager to carry or seek out to carry a firearm.”In Canada, unlike the U.S., it’s a crime for the average citizen to even walk around with a gun.  But that’s far from the only thing separating the two countries.A first-time gun buyer in the United States can walk into a store and leave with a gun the same day; in Canada, it can take months.The U.S. still allows for some gun purchases without a background check. That’s not the case in Canada, where they’re mandatory for any gun license. “Your file is given to an officer and it’s their job to go through it and prove that you are able to have a license,” said Brian Green of General Guns.While there’s often a push to expand gun rights in the U.S., in Canada there are few leading that fight. As one Canadian told The Now this week, “Guns are a right where you live. They’re a privilege where we live.”“I don’t think there’s a nation on Earth where they have armed their citizenry which has reduced violence,” Chief Frederick said. 1909

In recent years, I've noticed a rising -- and welcome -- resistance to helicopter parenting.We parents have heard all the stories about how anxious American children are, how they arrive at adulthood with hefty résumés but little sense of purpose, and want to do things differently. Our daughters' and sons' childhood will not be curated, nor their days boxed in!Of course, this hands-off approach is no less a fantasy, and a privileged one at that, than its more hands-on alternative. And the potential glitches of this laissez-faire plan are both inevitable and wide-ranging.Children need freedom, yes, but they also need us, their ostensibly wiser guardians, to pay attention to their particular needs and help them meet them. This is clearly the case with children with physical or mental disabilities or emotional disorders. But it can be a bit harder to navigate when a child is gifted. 900

It was a feel-good story that captured hearts everywhere, but it turns out it was all a scam to get money.A homeless man gave his last to a woman stranded on a highway after she ran out of gas. To show their appreciation, the woman and her boyfriend started a GoFundMe page for the homeless man and raised more than 0,000. But in an unexpected twist, the couple and the homeless man are charged with making up the story in a scheme to get money.“[This] highlights the promise and the peril of these sites,” says Anna Laitin, with Consumer Reports. “These incredible stories come out; people really touched by this and obviously wanted to help, wanted to give money. Now it's not clear the story was true.”The website GoFraudMe tracks scams on personal crowdfunding sites and has found more than 200 cases in the past five years.Consumer Reports admits it can be a challenge to know if you're giving to a legitimate cause.“It’s really hard. You really have to read carefully and think,” Laitin says. “And maybe give to ones where you know the person personally or you know somebody who can vouch for it, because otherwise you can get caught up especially in these viral ones.”Also, pay attention to how much money is needed and how much has already been donated. If somebody's asking for ,000, and that's what they need, there's no reason to go far above that.For more information on how to report fraud crowdfunding sources or to learn more about other crowdfunding cases, visit GoFraudMe. 1507