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As Chicago continues to grapple with gun violence, one jail is trying something different in an effort to combat the problem.The program is called SAVE, and it’s spearheaded by Sheriff Tom Dart of the Cook County Jail. The program aims to save a community from gun violence by targeting people who might be able to make the biggest difference.“We can continue with the broken model, make them worse than when they came in here, because they’ll be associated with other criminals, and then jettison them to a community where they’ll be a cancer, or we can take a person who has issues, break down what those issues are, address those, and now send them back to a community where now they’re sort of a light in the community,” Sheriff Dart explains. “They went from being the cancer to where they’re the one people are talking about.”During these classes, officials and inmates will start with a game. It helps to ease the tension in a room, where the men, who are in their late teens and early 20’s, are asked to dig deep on tough topics involving their personal lives.The program also aims to help the men manage anger and resolve conflict. It even trains on how to land a job or start a career.SAVE stands for the Sheriff’s Anti-Violence Effort.“The larger population we have here are folks that could actively have their trajectory changed if given different opportunities, different ways to look at life,” Sheriff Dart explains.The SAVE program is unique to Cook County, and it’s totally voluntary. It was created as a way to combat Chicago’s gun epidemic, by tackling the cognitive behavior of the men who, for whatever reason, ended up behind bars.“The reality is if you’re [going to] address these problems, you have to address the players in the system,” says Sheriff Dart. “The players all have individual issues, all have good things and bad things that they have.”For inmate Rico Potts, it’s helping him to realize his long-term goals.“Career wise, I wanna be a psychologist. I wanna talk to kids and help kids, because I feel like my story will kinda help them,” Potts says.He’s seeing firsthand how these instructors’ stories are helping him.The program stuck with former inmate Jelani Hines, who got out of jail but still keeps in touch with the program, saying it helped him land a job.“You have to be willing to commit,” Hines says. “Nobody’s gonna hold your hand.” 2393

Are you participating in Black Friday shopping this week? The season's biggest shopping event of the year might look a lot different than usual with many cities, states and retailers putting in restrictions due to COVID-19.For the first time, Deloitte’s consumer survey found that more shoppers plan to go online Thanksgiving weekend than to visit in-person retailers. The survey found that 58% of those planning to shop on Thanksgiving weekend will do so online, compared to 41% who say they will shop in person. Last year, 61% of shoppers said they planned on shopping in person compared to 51% who said they would shop online. A number of those surveyed said they would do both.If you plan on shopping on Black Friday, the Better Business Bureau offered the following tips:1) Stay Safe. Follow CDC guidelines to healthy and safe while in the store.2) Make the most of Black Friday deals. Start with a list of items and use sale flyers and promotions to determine which store has the best price. Set a budget and stick with it before heading out.3) Read the fine printSome retailers may offer an additional percentage off the purchase, but could exclude certain deals or items such as “door busters.” Watch for companies boasting a high percentage off; the item may be “75% off,” but the original price could be inflated. Carefully check the price tags, terms, and conditions. Research online using a secure wifi connection to see if competitors have the item at a better price.4) Plan out the excursion. Sometimes it's not necessary to wait to see what deals will be offered on Black Friday. Retailers often will release Black Friday flyers weeks ahead of time, so consumers can plan out their shopping spree. Make a map of the stores to visit and what items are at which store. Some retailors only honor sale ads during a certain time frame, or on certain days, and could limit the amount of deeply discounted items available for purchase.5) Sign-up for email alerts. Many stores release their best Black Friday deals and exclusive coupons to people who have subscribed to their emails. Sign up ahead of the holiday season, and then unsubscribe afterwards if needed.6) Do your research. Read product reviews on extremely discounted items. It could be a cheaper model or brand advertised, and not what was expected. Check BBB.org for Business Profiles of the stores and read what other customers’ have experienced.7) Know the return policy and warranty information.Pass along any information about returns, exchanges, repairs, and warranties to the person who will use the item. Gift receipts are an easy way for recipients to return or exchange a gift if it’s not just right, but make sure the item is able to be returned before purchasing.Visit BBB.org to look up a business, file a complaint, write a customer review, report a scam, read tips, follow us on social media, and more! 2894

An I-95 driver escaped serious harm Tuesday after a hunk of metal crashed through his windshield about a mile south of Woolbright Road. "He is lucky to be alive," DBFR Battalion Chief Todd Lynch said. The man had minor injuries from the shattered glass. FHP is investigating. pic.twitter.com/kijx27RfrA— Delray Beach Fire Rescue (@DelrayBeachFire) October 13, 2020 372

As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

Anthony Wall's night started at the prom with his sister, followed by a food stop at a Waffle House in North Carolina. While at the restaurant in Warsaw, he got into a heated argument with employees, who called the police.The ensuing incident Saturday was captured on cell phone video that was widely shared on Facebook. It shows an officer putting his hand around Wall's neck and shoving him up against a glass wall as he tries to arrest him. 451