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This year has brought a lot of changes for everyone and there could be a chance that those changes could translate to savings on your insurance policies.Bankrate is encouraging people with home and car insurance to take a fresh look at their policies.“You could save anywhere from a few dollars to a few hundred dollars, but it is going to depend on location, it is going to depend on your lifestyle, and how it has changed vs the past. So, it is worth comparing and really kicking the tires on various insurance policies from different companies,” said Stephen Kates, Insurance Analyst at Bankrate.There are several lifestyle changes that could have happened this year.Many people took on home improvement projects during this pandemic. Some of those may have included adding safety features to our home, which can help save money on home insurance.A lot of Americans are also driving a lot less now, which can help with car insurance.“If you're working from home, like a lot of us, you're probably driving significantly less than you used to and that's something you can bring up to your insurance carrier because that can significantly reduce the amount you pay for your premium,” said Kates.Insurance policies haven't necessarily changed, but the way insurance companies look at lifestyle changes may have changed, so it's worth checking in on your policies. Experts at Bankrate suggest doing so at least once a year. 1429

TIJUANA, Mexico (KGTV) - Hundreds of kids are waiting at shelters in Mexico, unable to get their asylum application processed, according to lawyers.They came with the migrant caravan in November. "Really quite brave of them to go through all of that," Lawyer Kara Lynum said. Lynum traveled to Tijuana with fellow lawyers from around the country in December.While in the shelter during their five day stay, she says they saw huge gaps in resources for the kids, prompting them to create a GoFundMe page."So the money is going directly to Al Otro Lado, so they're going to use it to fund those needs, they're going to hire a teacher. They're going to hire a trauma counselor for the kids, enhance security in the shelter and then hopefully hire a lawyer too," Lynum said one of the biggest issues is getting kids' applications processed."There's that list for asylum seekers, and the kids can't get on that list," saying change needs to happen, "for the children, in particular, they should be able to walk up to the Port of Entry and start the process of asylum."The roadblock, the law states anyone under 18 must have a guardian, to ensure the child is acting under their own free will."To know the background of this minor, I mean there's arguments that some of these kids are being trafficked. We don't know exactly where are there parents?" Immigration Specialist and Lawyer Lilia Velasquez said.Lynum said many of the kids she encountered have relatives in the U.S. Velasquez said the kids' parents have to sign over Power of Attorney, "the minor brings an ID with a photo, the relative brings also an ID, maybe birth certificates, then they can verify if those kids belong to that family."Back home in Minnesota Lynum thinks about the kids she met, wondering how they're faring, "I think about being 17 and a girl and you're by yourself and taking all of that on, is a big ask for these kids." 1907

Today Unique Edwards met her plasma donor Chris Klug. Unique, a mother, battled COVID-19 and said without the plasma donation, she believes she wouldn’t have made it. pic.twitter.com/YBmg55KAWM— Adriana Mendez (@AdrianaMendez) October 13, 2020 257

Three firefighters died Thursday while battling two separates blazes, one in Pennsylvania and the other in New York.On Thursday night, a New York City firefighter died during a five-alarm fire in Harlem on the set of the film "Motherless Brooklyn."Michael Davidson, 37, died of injuries in the blaze that broke out in the cellar of an unoccupied building, Fire Commissioner Daniel Nigro said in a press conference."To our great sorrow, we now know that a NYC firefighter lost his life battling the blaze that grew, and our hearts ache in solidarity with his family," producers of the film said in a statement.Edward Norton is the film's director, and Bruce Willis and Alec Baldwin are among the cast, according to Internet Movie Database.The fire broke out as the film crew wrapped up shooting for the day, according to the producers' statement. "We watched firsthand with astonishment as (firefighters) charged into the smoke to make sure all were safely out and then fought to contain the blaze and prevent it from spreading, putting their lives on the line as they do every day," it said.The fire spread rapidly, forcing firefighters to back out of the building. During that time, Davidson became separated from the rest of the unit, Nigro said.Davidson was found unconscious after a desperate search. He was transported to Harlem Hospital, where he later died.Davidson had been with the New York City Fire Department for 15 years and was cited for bravery four times, according to the fire agency's Facebook post. He is survived by his wife, Eileen, and four children. Davidson's father is a retired firefighter and had also worked in the same firehouse, Nigro said.Two other firefighters were seriously injured with burns and taken to Weill Cornell Burn Center; others had less serious injuries, Nigro said. 1820

There is no God -- that's the conclusion of the celebrated physicist Stephen Hawking, whose final book is published Tuesday.The book, which was completed by his family after his death, presents answers to the questions that Hawking said he received most during his time on Earth.Other bombshells the British scientist left his readers with include the belief that alien life is out there, artificial intelligence could outsmart humans and time travel can't be ruled out.Hawking, considered one of the most brilliant scientists of his generation, died in March at the age of 76."There is no God. No one directs the universe," he writes in "Brief Answers to the Big Questions.""For centuries, it was believed that disabled people like me were living under a curse that was inflicted by God," he adds. "I prefer to think that everything can be explained another way, by the laws of nature."Hawking suffered from amyotrophic lateral sclerosis (ALS), a neurodegenerative disorder also known as Lou Gehrig's Disease, for most of his adult life.The scientist died while still working on the book, which his family and colleagues finished with the help of his vast personal archives.'Increasingly looking inward'While Hawking spoke of his lack of belief in God during his life, several of his other answers are more surprising."There are forms of intelligent life out there," he writes. "We need to be wary of answering back until we have developed a bit further."And he leaves open the possibility of other phenomena."Travel back in time can't be ruled out according to our present understanding," he says. He also predicts that "within the next hundred years we will be able to travel to anywhere in the Solar System.""He realized that people specifically wanted his answers to these questions," the scientist's daughter, Lucy Hawking, who helped complete the book, told CNN.Hawking saw the world on the brink of a "vast transformative change" when he died, she noted, adding: "He's asking us not to go into the future blindly. How good is the track record of the human race in using advances in technology for the good of ordinary people?"In remarks prepared by Hawking and played at the launch of the book in London on Monday, the scientist also turned his attention to the world he was leaving behind."With Brexit and Trump now exerting new forces in relation to immigration and the development of education, we are witnessing a global revolt against experts, and that includes scientists," Hawking said.Hawking had been a critic of the United Kingdom's decision to leave the European Union, and called Donald Trump a "demagogue" in 2016.His greatest concern, his daughter said, "is how divided we've become," adding: "He makes this comment about how we seem to have lost the ability to look outward, and we are increasingly looking inward to ourselves."Hawking's final message to readers, though, is a hopeful one.Attempting to answer the question "How do we shape the future?" in the book's final chapter, the scientist writes: "Remember to look up at the stars and not down at your feet." 3096

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