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With the holiday season in full swing, shoppers are heading to the stores to get the latest toys. Before you do, there are two codes you should check to see if they meet the latest safety standards.The first thing you'll want to do is look for the combination ASTMF963, which means the toy meets the latest safety standard.Those standards include that the toys have been tested for choking hazards, sharp edges and other potential dangers.The second number to check is ASTMD4236, which means art materials have been reviewed by a toxicologist.While toys are required to meet specific safety standards, they are not required by law to have the labels indicating they do meet them.In some cases, toys may not have the ASTM label.The Consumer Safety Product Commission says another good way to protect your children is to buy age-appropriate toys. 852

You’ve decorated the tree, put up the lights and placed a lit candle in every window. But the next thing you know, you smell smoke.Candle fires, stolen presents and other calamities can put an unwelcome damper on your seasonal cheer, but insurance can often help clean up the mess. Here are some common holiday disasters and how your homeowners insurance can come to the rescue.1. Decorations catch fire“Chestnuts roasting on an open fire” takes on a whole new meaning when the halls are decked with fire hazards. Dehydrated Christmas trees can go up in flames if placed too close to a heat source, and fires from candles make up half of December home decoration fires, according to the U.S. Fire Administration.Fire is covered in three main ways. Dwelling coverage pays for repairs to your home, while other structures coverage is for things like a detached garage or fence. Personal property coverage will pay to replace damaged belongings, up to your policy limits.To avoid festive fires, keep candles away from flammable objects, follow all manufacturer instructions for holiday lights outside and keep a real Christmas tree hydrated.2. Your identity gets stolenIf you’ve shopped online for holiday gifts this year, your credit card or bank account information may be at risk of getting stolen.Identity theft coverage can pay for out-of-pocket expenses related to identity theft or fraud. Some homeowners insurance policies automatically include this coverage for free, but you’ll probably have to add it to your policy.You can reduce the risk of identity theft from online shopping by avoiding unsecured networks and by purchasing from trusted stores — check for a privacy policy on the site and a padlock to the left of the URL. To protect yourself from potential data breaches, reenter account information with every purchase instead of allowing online vendors to store your information.3. Presents get stolenIf expensive holiday gifts go missing, don’t pout. Your personal property coverage covers items stolen from your home and car, up to your policy limits.To prevent any grinches from stealing holiday presents, avoid letting packages sit unattended and consider setting up a security camera system around your home. If you leave gifts in the car, tuck them away safely in the trunk, lock the doors and park in a well-lit location.If gifts are stolen, file a claim with your insurance company only if their value exceeds your deductible.4. A guest gets injuredSay you undercook the turkey and send relatives to the hospital. Maybe someone breaks a hip on your icy walkway, or the dog bites a guest. You could end up on the hook for their medical costs.The medical expense coverage in your home insurance policy pays to treat your sick or injured guests, no matter who’s legally responsible, while your personal liability coverage will cover you in case they decide to sue.Because of the pandemic, you may be skipping holiday gatherings entirely this year. But if you do host guests, make sure you abide by the guidelines for small gatherings from the Centers for Disease Control and Prevention, or CDC, which include wearing face masks and practicing social distancing.5. A water pipe burstsIf a pipe gets cold enough, water freezes and expands inside, increasing the chance of a burst. Water damage from burst pipes is generally covered by home insurance, but check the fine print in your policy, as you’re covered only if the burst is accidental and not due to poor maintenance.To avoid damage, watch for warning signs of frozen pipes, such as low water pressure or frost on the outside of the pipe. To offset the chance of a water burst:Keep your home’s thermostat set to a minimum of 55 degrees.Open kitchen- and bathroom-sink cabinets to allow for circulation of warmer air.Let water drip from faucets to relieve water pressure.More From NerdWalletGot Life Insurance? You May Not Have EnoughBought a Pricey Present? Here’s How to Insure ItLife Insurance Shoppers Lose Interest When COVID-19 Cases DropBen Moore writes for NerdWallet. Email: bmoore@nerdwallet.com. 4088

With the advancement of technology, it’s rare to pay for things using cash. We use our cards, phones and the internet to pay for what we need. Now, more churches are turning to digital donations to collect their tithes and offerings.St. Andrew United Methodist Church in Denver, Colorado is one church already going digital.Judy Cox, a churchgoer and volunteer at St. Andrew, doesn’t wait until Sunday to give her donations to the church.“It's like all the rest of my bills; I pay them electronically,” explains Cox. “Then that's one huge chore I don't have to think of each month.”Andy Dunning, an executive pastor at St. Andrew, says more than 40 percent of the congregation is giving their offerings regularly online. 728

-- an inopportune time for residents wanting air conditioning relief from the heat.Detroit is taking extra measures to make sure residents can get relief from the sweltering heat that is also expected in the Midwest.In addition to cooling centers open on the weekdays, the city will open recreation centers on the weekend to give access to air-conditioning, according to a press release.The mayor's office and the Detroit Police Department will also be checking on homeless people to offer them transport to cooling centers this weekend, the release said.Detroit officials are urging residents to drink plenty of water, reduce outdoor activities, eat light and check on family and neighbors.Heat wave made worse by climate crisisJune of this year was the hottest June on record for the world, according to 807

WWE stars John Cena and Nikki Bella have ended their relationship.The wrestlers were together for six years and in April 2017 Cena popped the question at WrestleMania 33.Bella posted the news Sunday on her official Instagram account."While this decision was a difficult one, we continue to have a great deal of love and respect for one another," she wrote. "We ask that you respect our privacy during this time in our lives."The pair were also featured in the E! reality show "Total Bellas," which centered around their relationship and that of Bella's twin sister Brie and her husband, wrestler Daniel Bryan.The same day Nikki Bella posted the announcement on Instagram, Cena posted a tweet about loss."Hardship, loss, and humility are extremely difficult waters to navigate, but perseverance thru them builds a strength to withstand anything life throws your way," the tweet read.The wrestler-turned-movie star recently told People he already felt married to Bella."People come up to me and say, 'I love watching your wife on television.' And I love that, so that happens to me 10 times before it would be a, 'Yo man I love your work,'" he said. "It's always, 'I love watching your wife on television.'"The couple was reportedly set to wed in May.The-CNN-Wire 1269

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