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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

ZEPHYRHILLS, Fla. — A Pasco County, Florida woman was arrested on Wednesday after deputies say she attacked her husband because he forgot their wedding anniversary.Pasco County deputies say that the fight between 35-year-old Carol Stone and her husband began as a verbal argument because he forgot the anniversary date. According to the victim, the argument turned physical when Stone allegedly smacked him multiple times on the head and face, leaving red marks and scratches, according to an arrest report.Stone's husband recorded the incident on his cell phone. Deputies say the video showed Stone striking her husband multiple times. Stone later admitted that she had a fight with her husband because he forgot their wedding anniversary, deputies say.Stone was arrested and charged with domestic battery.  841

— 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

It's hard to move cookies when the CDC advises against getting close enough to sell them in person.Christopher "CT" Todd, who leads his daughter's Girl Scout troop and helps run the Sugar n' Spice diner, is feeling the pinch on both ends. The diner is operating with a skeleton crew; the cookies are piling up, uneaten, in scouts' garages and spare rooms."Several troops, really, across the nation are stuck with an excess inventory of cookies that they were going to sell in front of Walmart and Kroger," he said. It's not enough for the girls to eat them themselves. Troops depend on cookie sales to fund activities for the coming year.So Todd and business partner Adam Mayerson came up with a way to help local restaurants and scouts like Lucy at the same time — pair them up.Their initiative is called Business Bosses Supporting Cookie Bosses. It encourages businesses to invest in 0 of Girl Scout cookies and find a creative use for them, whether it's incorporating them into a restaurant recipe, using them as thank-you gifts for customers or donating to a community partner such as a hospital.At Sugar n' Spice, Mayerson and Todd are including a box of cookies in every carry-out order.They're both scared about the future, Mayerson admitted. But they're doing their best to find creative solutions to each day's problems and stay optimistic."That's what we try to stay focused on, being as hopeful as possible," he said. "Every day seems to be bringing new information, different challenges, and we just hope that things get better for anybody and everybody."Even if you live outside of Ohio, you can still help donate to Business Bosses Supporting Cookie Bosses. 1677

With the revolving-door slate of deals making it tough to keep track of what's coming and going to Netflix each month, we're here to help you catch some movies and shows you may have had on your list before they leave the service and become a lot harder to find.Nearly 30 movies are leaving the service Nov. 1, including some excellent family films, with "Zathura" (2005) and "The NeverEnding Story" (1984) at the top of the list. Best Picture Oscar winner "The Silence of the Lambs" (1991) is also on the way out.Here are the shows and films leaving Netflix in September, courtesy of What's on Netflix:Nov. 1100% Hotter (Season 1)Ace Ventura: Pet Detective (1994)Burlesque (2010)Charlotte’s Web (2006)Clash of the Titans (1981)District 9 (2009)Fun with Dick & Jane (2005)Get Shorty (Season 1)Grandmaster (2012)Highway to Heaven (Seasons 1-5)Just Friends (2005)Magic Mike (2012)Nacho Libre (2006)Nights in Rodanthe (2008)Set Up (2000)Sleepless in Seattle (1993)Sleepy Hollow (1999)Spaceballs (1987)Sylvanian Families (Season 1)The Firm (1993)The Girl with All the Gifts (2016)The Interview (2014)The Naked Gun: From the Files of Police Squad! (1988)The NeverEnding Story (1984)The NeverEnding Story 2: The Next Chapter (1989)The Patriot (2000)The Silence of the Lambs (1991)The Taking of Pelham 123 (2009)The Ugly Truth (2009)Total Drama (5 seasons)Underworld (2003)Underworld: Evolution (2006)Underworld: Rise of the Lycans (2009)Zathura (2005)Nov. 3Julius Jr. (Seasons 1-2)Nov. 28"Disney’s The Nutcracker and the Four Realms" (2018)Phil Villarreal TwitterPhil Villarreal FacebookPhil Villarreal Amazon Author PagePhil Villarreal Rotten TomatoesThis story was first published by Phil Villarreal at KGUN in Tucson, Arizona. 1735