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The first round of the NFL Draft got underway Thursday evening and Oklahoma quarterback Baker Mayfield was selected as the first overall draft pick by the Cleveland Browns. Mayfield will likely take over as Cleveland's starting quarterback in the fall after the Browns finished the 2017 season with a winless 0-16 record. Mayfield was a three-year starter at Oklahoma after starting one season for Texas Tech. He threw for 131 touchdowns over his four collegiate years, which is fourth all time in NCAA Division I history. According to most NFL Draft experts, five college quarterbacks will likely be selected in the first round on Thursday. The group includes USC's Sam Darnold, Oklahoma's Baker Mayfield, Wyoming's Josh Allen, UCLA's Josh Rosen and Louisville's Lamar Jackson.  807

The first wife of the Texas church shooter described him as a menacing and abusive man who constantly threatened her and her family with death.Devin Patrick Kelley carried out the deadliest mass shooting in Texas history on Sunday, killing 25 people and an unborn child at First Baptist Church in Sutherland Springs, near San Antonio.In an interview Friday with the TV show "Inside Edition," Kelley's ex-wife, Tessa Brennaman, 25, said her life was filled with abuse when she was married to him. 508

The company behind Ben & Jerry’s ice cream, Dove soap and a host of other consumer products says it will stop advertising on Facebook, Twitter and Instagram in the U.S. through at least the end of the year because of the amount of hate speech online. Unilever said that the polarized atmosphere in the United States ahead of November's presidential election placed responsibility on brands to act. The company, which is based in the Netherlands and Britain, joins a raft of other companies halting advertising on online platforms. Facebook in particular has been the target of an escalating movement to siphon away advertising. 639

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 country's top infectious disease doctor is warning we are in a critical weekend for coronavirus cases."We don't want to see a repeat of the surges that we have seen following of the holiday weekends,” said Dr. Anthony Fauci, Director of the National Institute of Allergy and Infectious Diseases.There were surges after Memorial Day and Fourth of July due in part to large social and family gatherings. Labor Day has the potential to be the same.“One of the things I think vie seen people make a mistake with is they fool themselves about these pandemic pods, like its OK for me to be around this other family and we'll both be safe, and then it will be OK, we'll be like a household, but what many people don’t realize is all these pods are basically interconnected,” said Dr. Dean Blumberg, Chief of Pediactric Infectious Diseases at UC Davis Children’s Hospital. “Very few people actually do that and limit the interaction.”Another reason people get complacent with social distancing and mask wearing is because the people they are around look and act healthy. But infectious disease experts remind us two thirds of transmission of the virus are from people who have no symptoms.Blumberg says he's also seen outdoor gatherings start off with good intentions.“You start off 6 feet distanced, but when you're having a good time, people just naturally forget, and it’s really with the larger social gatherings that this is more of a risk,” said Blumberg.The other big concern with Labor Day gatherings is having virus surges headed into fall and winter. That's when infectious disease doctors say coronaviruses tend to spread the most and when flu season starts to ramp up.Also, with school back in session, there's the risk of shutting down or delaying opening in-person learning, depending on how people handle Labor Day. 1834

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