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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
after dozens of people signed a petition to have it removed.Frankton Police Department vehicles feature a decal with the phrase, "All Lives Matter." The phrase, which some consider racist, has gained popularity among those who oppose the Black Lives Matter movement.Mary Hobbs, a Frankton resident, created a petition to remove the "All Lives Matter" decal from all police vehicles. Hobbs said the town added the decals in 2016 during the height of the Black Lives Matter movement. "As I educated myself on the Black Lives Matter movement more and kind of spoke with other people about it, I kind of realized that that's not OK and it needs to come off," Hobbs said. "I think it's a controversial issue and I don't think it's one the police should've taken a stand on. I created the petition to kind of show people that it's not just me. That it is a problem."But not everyone in the community feels as strongly."Do you think people are offended by that here? I don't think so. I really don't," Angel Large said.Tyjuan Garrett, a local NAACP board member, says the phrase is all about the intention. Black Lives Matter's mission is to bring light to racial injustices that stem from systematic problems they feel are not being addressed. Garrett says implicit bias or sensitivity training for officers would be a more useful step than car decals."I mean I would love to sit down with the Frankton Police Department and have a conversation with them and say exactly what are your motives?" Garrett said. "Tell me how you are adding to the conversation of All Lives Matter. How are you expanding out to reflect all lives matter?"Frankton Town Marshal Dave Huffman did not agree to an on-camera interview. But he said the decals are not meant to criticize the Black Lives Matter movement and chose the slogan to, "illustrate the seriousness with which Frankton police officers take their duty to protect all of the town's citizens regardless of income, economic status, race, nationality, age or any other factor."But after hearing that nearly 100 people have signed a petition, the town plans to remove the decals from its police cars."I want the community to always be inclusive and accepting of anybody and I think that doing this will help the community grow," Hobbs said.This story was originally published by Stephanie Wade on 2334

on the latest developments in the murder case made famous by Netflix's Making a Murderer.On Wednesday, advocates for Brendan Dassey announced they would be filing a petition for clemency to Wisconsin Governor Tony Evers. Dassey and his uncle, Steven Avery, were convicted for the 2005 murder and rape of Teresa Halbach in Manitowoc County. The 2015 Netflix documentary series Making a Murderer received widespread attention and cast doubts on Dassey and Avery's conviction.Advocates for Dassey, in particular, have called into question the confession Dassey made in the Halbach case, claiming police forced a coerced confession. Dassey was 16 at the time, and his attorneys say he's intellectually disabled.During Wednesday's announcement, Dassey's advocates promoted a 772
– also from YPCCC – shows that in 2018, the national average of registered Republicans who think global warming is happening was 52% and Democrats 91%. One key difference between the YPCCC studies and Boven’s is that Boven included all people, and not just registered voters. That’s why he suspects his percentage for Republicans may be higher because it included younger conservatives who aren’t registered to vote.“The younger conservatives are much more likely to believe in climate change, and they’re much more likely to talk to their family members who are also likely to be conservatives,” Boven said. Republican Jimmy Sengenberger says while climate change may not be a priority for the Republican Party, he’s personally noticed an increasing number of Republicans caring about the issue. “It’s more among the younger crop of Republicans, but I think that when I talk to a lot of older folks on the Republican side, they’re also recognizing that it’s an issue that conservatives and Republicans cannot and should not just ignore,” Sengenberger said.So, where did this misconception about climate come from? And why have people considered it a highly-politized issue? Boven says it’s hard to know for sure, but he believes it’s likely come from political leaders.“And so, we had this environment where Democratic and Republican leaders became very divided in their discourse on climate change, and that caused ordinary Democrats and Republicans to believe there was this sharp division between other ordinary Democrats and Republicans,” Boven said.In actuality, Boven says he’s found most people don’t want such a large divide between parties.“Most Americans, they value bipartisanship. They value thinking open mindedly about ideas from the other side.”The independent, Democrat and Republican in this story all agree it’s important to take care of our planet and the people on it.“My personal philosophy is that the earth and the environment are a gift to us, and that we’re charged to take care of it,” independent Mason said.“When I look at my youngest granddaughter, my heart just aches because I don’t know what’s in her future,” Democrat Dike said.“I don’t think there’s any American that wants to destroy the environment or destroy the world climate. We’re all together in the idea that we should protect the environment. It’s more how you go about it I think than anything else,” Republican Sengenberger said.“I would say that climate change has become a bipartisan issue, yes. Now whether solutions to climate change will become bipartisan, that may be a more difficult question,” Boven said. 2617
With TikTok facing just one more day before a US-imposed ban on downloads of the popular app, President Donald Trump said Saturday that he will allow a deal that will allow the Chinese-owned service to be used in the US.While details of the possible transfer of TikTok to Oracle are not known, Trump said the deal has his blessing.“I have given the deal my blessing. If they get it done that’s great; if they don’t, that’s fine too,” Trump told reporters.Trump has cited privacy concerns for taking the action against the social media network.TikTok has gained popularity among younger Americans in recent months for its short, entertaining video clips. The TikTok community has often been critical of Trump. Earlier in the summer, users of TikTok organized by reserving tickets to Trump’s rally in Tulsa, which failed to draw the type of crowds the Trump campaign expected.The Trump administration has complained that the application takes data and is used by the Chinese government."All the things that you care that you want to make sure the Chinese Communist Party doesn’t have, we have a responsibility to make sure that the systems that you’re using don’t give them access to that," US Secretary of State Mike Pompeo said in July. 1244
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