5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Myriam DiGiovanni After writing for Credit Union Times and The Financial Brand, Myriam DiGiovanni covers financial literacy for FinancialFeed. She is also a storytelling expert and works with credit unions to help … Web: www.financialfeed.com Details Hurricane Florence What you don’t know about your homeowners insurance may cost you when disaster strikes.According to the Insurance Information Institute, you can count on the majority of homeowners’ policies to cover the structure of your home, personal property, detached units and any living expenses. Everything else may require special policies or may be excluded.Take natural disasters like hurricanes. To limit their exposure to catastrophic losses from these events, insurers offer deductible plans that, depending on the state, will determine the level of hurricane, windstorm or wind/hail deductibles.The III says there are two kinds of wind damage deductibles: hurricane, which covers just damage from hurricanes, and wind/hail, which exclusively covers wind damage. In general, these are percentage deductibles, which can range from 1% to 5% of a home’s insured value.So if your house is insured for $300,000 and has a 5% deductible, you’re responsible for the first $15,000 of your claim. You’ll find details of hurricane deductibles on the declarations page of your homeowners policy.Believe it or not, while the National Flood Insurance Program reports that 90% of all natural disasters involve flooding, you won’t find flood coverage in standard homeowners’ or renters’ policies. You’ll need a separate policy for that from the Federal Emergency Management Agency’s National Flood Insurance Program and/or a few private insurers.NFIP offers up to $250,000 to cover your home’s structure and $100,000 for your personal property. According to FEMA, it’s not just homes in flood zones at risk. In fact, more than 20% of flood claims come from properties outside high-risk federal flood zones.Need more incentive to do your homework instead of skimming your policies? NFIP flood insurance policies may cover up to $1,000 spent to protect your property like sandbags or water pumps. The III advises homeowners to keep copies of all receipts and time spent to do the work so it’s easy to ask for reimbursement.
Lausanne: India will host the Men’s Hockey World Cup for the second consecutive time after the country was picked to host the game’s showpiece event in 2023 by the International Hockey Federation (FIH) in Lausanne on Friday. According to the FIH, the Men’s Hockey World Cup will be held in India from January 13 to 29. In another decision made by the Executive Board during the FIH’s last meeting of the year, Spain and the Netherlands were named as the co-hosts of the 2022 Women’s World Cup scheduled to be held from July 1 to 22. The venues will be announced by the host nations at a later date. India will, thus, become the first country to stage four men’s Hockey World Cups after having hosted the showpiece in 1982 (Mumbai), 2010 (New Delhi) and 2018 (Bhubaneswar).The Netherlands’ had hosted three men’s tournaments. The country will be completing 75 years of independence in 2023 and so Hockey India wanted to host the World Cup to showcase the growth of the sport in the country on that occasion. India was among the three nations — Belgium and Malaysia are the other two — to have presented bids to host the next edition of the men’s World Cup. For the Women’s World Cup, five countries — Germany, Spain, the Netherlands, Malaysia and New Zealand — had presented their bids. The competition format of the 2023 World Cup will be the same as the last edition. Commenting on the development, FIH CEO Thierry Weil said the decisions were taken keeping in mind the growth of the sport and “income-generation potential” of the event. “FIH has received excellent bids to host these prestigious events. It was therefore a difficult choice to make. Since the primary mission of FIH is to grow the sport worldwide – which of course requires to make investments, the income-generation potential of each bid has played an important role in the decision,” Weil said. “We will work closely with the Local Organising Committees on the sustainability and legacy aspects of these events.” Besides the World Cups, India had also hosted some of the biggest hockey events in recent times, including the FIH Champions Trophy in 2014, FIH Junior Men’s World Cup in 2016, FIH Hockey World League Final in 2017, FIH Men’s Series Finals in 2019 and the recently concluded FIH Hockey Olympic Qualifiers. “We are all very delighted to have won the bid to host the 2023 Men’s Hockey World Cup. When we had made the bid, we wanted to give our country another reason to celebrate 75 years of independence adding to that the fact that our last win was registered in 1975,” Hockey India President Mohd Mushtaque Ahmad said. Also Read | Indian Men’s Hockey Team Beats Russia 11-3 On Aggregate, Books Tokyo 2020 Olympics Berth”And what better way to celebrate than to witness a pinnacle global event of our national sport on our soil. After having hosted the 14th edition of the Men’s Hockey World Cup in 2018 which was recognised as one of the best hockey events ever, we were confident that we can host another Men’s Hockey World Cup,” he said. “We have the opportunity to use last year’s experience to organise an even better Men’s Hockey World Cup in 2023.”RELATED For all the Latest Sports News News, Other Sports News, Download News Nation Android and iOS Mobile Apps.
“Players have habits,” Walton said. “I think when you get tired and fatigued, you fall back on what you naturally do.”To break up that monotony, Walton put together a nearly two-hour practice that mostly involved scrimmaging. He will also give the players off on Sunday. Once the Lakers return to work on Monday, they will have finalized their opening day roster.Although Walton spoke with his staff and Lakers general manager Mitch Kupchak on Saturday, it appears unlikely the Lakers will determine how to cut their 17-man roster down to 15 until before the NBA’s deadline at 2 p.m. PT on Monday. The candidates will include Metta World Peace, Thomas Robinson and Yi Jianlian, all of whom practiced on Saturday. Loving touch Newsroom GuidelinesNews TipsContact UsReport an Error The pre-game ritual involves more than just film study and an impassioned speech. Tom Herman, the University of Houston’s football coach, will also kiss his players on the cheek. “I’m not going to kiss any of our guys, but I like leading by love. But I had hippie parents,” said Walton, referring to his Hall of Famer father (Bill) and his mother (Susie). “That’s to be expected. That’s the way I was raised.” Walton has not always maintained his normally laid-back demeanor during training camp. During the Lakers’ exhibition loss to Golden State this week in San Diego, Walton could be heard talking to his players in a stern tone during timeouts. “It’s still about holding them accountable,” Walton said. “I don’t think you’re doing any of the ones you love any favors, if you’re not telling them what they need to hear when they mess up. But I’m not a big fan of embarrassing people and screaming them at some of people. If it’s something I need to talk about, you can do it in private.”Still, Walton noted that none of his coaches yelled at him at University of Arizona (Lute Olson), the Lakers (Phil Jackson) and the Cavaliers (Byron Scott). That explained why he “loves basketball so much.” “If we’re being lazy, he’ll get on us pretty good,” Lakers forward Larry Nance Jr. said. “Luke’s the kind of coach that like you just don’t want to disappoint. It sounds weird saying it. But it’s almost like a parent. They don’t have to yell or scream or anything like that. But there’s the fear of disappointing him.”Injury updateAfter missing Friday’s preseason finale against Phoenix, Mozgov practiced on Saturday. Lakers guard Jose Calderon sat for the past week (left calf), but is expected to return for the season opener against Houston. The eight-game slate concluded with Lakers coach Luke Walton telling his players he felt pleased with both their progress and effort. But that hardly left him satisfied. The Lakers enter their season opener against the Houston Rockets on Wednesday at Staples Center with a litany of issues he hopes to address. Although the starting lineup will likely feature D’Angelo Russell, Lou Williams, Luol Deng, Julius Randle and Timofey Mozgov, that lineup is far from definitive amid the team’s slow starts. “I’ve gotten a pretty good feel for the second unit group, but we have to figure something out with the starting group,” Walton said. “Until we get that under control, those lineups are probably going to change.”Walton also wondered if the Lakers will get their fouling under control. They have averaged 24.5 fouls per game, sixth worst in the NBA. Walton attributed those numbers on delayed rotations, gambling and reaching.