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BLM supporter was arrested for beating her adopted white daughter to death

How do I file a life insurance claim?

To begin the claims process: Get several copies of the death certificate. Call your insurance agent. He or she can help you fill out the necessary forms and act as an intermediary with the insurance company. (Don’t keep life insurance policies in your safe deposit box. In most states, safe deposit boxes are sealed temporarily upon the death of the owner, which can delay the settlement. ) If you don’t have an insurance agent, or don’t know who the deceased’s agent was, contact the company directly. Submit a certified copy of the death certificate from the funeral director with the policy claim. Once the claim is submitted, a settlement should be issued to you shortly. Once a life insurance claim is submitted, you must determine how the proceeds will be distributed. These are some of the options available: Lump sum—You receive the entire death benefit in a single amount. Specific income provision—The company pays you both principal and interest on a predetermined schedule. Life income option—You receive a guaranteed income for life. The amount of income depends on the death benefit, your gender and your age at the time of the insured’s death. Interest income option—The company holds the proceeds and pays you interest on them. The death benefit remains intact and goes to a secondary beneficiary upon your death.
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Buy new smartphone: How to find your perfect device

When it comes to buying a new smartphone, you may face the dilemma of choosing between a well-known brand and an unknown brand. While the former is known for its quality, reliability, and brand image, the latter may offer similar features at a lower price point. But, is it really worth it to go for an unknown brand over a well-known one? In this article, we’ll take a closer look at both options and help you decide which one is the best for you. Well-Known Brands Well-known smartphone brands such as Samsung, Apple, Huawei, and Xiaomi have been in the market for years. They have a proven track record of delivering high-quality products and providing excellent customer support. When you buy a smartphone from a well-known brand, you can be assured that it will perform well and last long. Well-known brands also invest heavily in research and development, which results in innovative features and the latest technology being incorporated into their smartphones. Additionally, their phones come with a warranty, and it’s easier to find replacement parts or repair services if something goes wrong. Well-known brands are known for their innovation, design, and quality and have established themselves as the top players in the global smartphone market. Each brand has a unique set of features and a wide range of models to cater to different segments of consumers. The world of smartphones is constantly evolving and it can be overwhelming to decide which one to purchase. But with the right information and understanding of your needs, you can easily find the perfect smartphone for you. Here are some factors to consider when making your choice: Operating System: The two most popular operating systems are Android and iOS. Choose the one that fits your preferences and the apps you use most. Screen Size: Consider how you plan to use your phone – if you want to watch movies or play games, a larger screen might be better. If you want a phone that is easy to carry, a smaller screen might be the way to go. Camera: If you’re an avid photographer, you’ll want to look for a phone with a high-quality camera. Check the camera specs, such as the number of megapixels, aperture size, and image stabilizationization. Battery Life: A smartphone with long battery life is essential if you’re on the go all day. Look for phones with fast charging technology or larger battery capacities. Storage: If you plan on storing a lot of photos, music, or videos, look for a phone with plenty of storage. Some phones also have the option to expand storage with a microSD card. Price: Determine your budget and look for a phone that fits within it. Keep in mind that the latest and greatest smartphones can be expensive, but there are also great options available at more affordable prices. Brand: Consider the brand reputation and customer support when choosing a smartphone. You’ll want to select a brand that is known for quality and has a good track record for customer service. By considering these factors, you can easily find the best smartphone for you and get the most out of your mobile experience. Don’t rush into your decision, take your time and weigh your options. Happy shopping!
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The biggest video games of 2022: Starfield, Elden Ring, Gran Turismo 7 and more

2022 is gonna be a huge year for video games. Last year wasn’t terrible for video games, but it wasn’t the year it was meant to be. Games in the middle of development when the pandemic hit were disrupted, leading many to be delayed into 2022. But what was bad news in 2021 is now 2022’s good fortune: this year looks like it could be an all-timer. It starts in January with the release of Pokemon Legends: Arceus, and from then there’s a steady stream of highly anticipated and potentially fantastic games to look forward to. This isn’t an exhaustive list of every game coming out in 2022, and it doesn’t account for the many sleeper indie hits that are sure to come. These are all the big games coming next year that you should know about. Pokemon Legends: Arceus Release date: Jan. 28. Pokemon Legends: Arceus is many things. It’s a new Pokemon game developed from the ground up for the Nintendo Switch. It’s a prequel to Pokemon Brilliant Diamond and Shining Pearl, which hit the console in November. And, perhaps most importantly, it’s being developed by Game Freak, the studio that’s made all of the mainline Pokemon games since Red and Blue. Pokemon Legends: Arceus is set in the Sinnoh region, same as Diamond and Pearl, but set in a distant history that predates the mingling between humans and Pokemon. Gameplay snippets from trailers show the playable characters sneaking up on Pokemon and trying to catch them in real-time, as well as turn-based combat that the series is known for. It looks like Arceus may give longtime players what they’ve been clamoring for: something different. Rainbow Six Extraction Release date: Jan. 20. Rainbow Six Siege was released in 2015, yet it remains one of the most played and streamed games in the world. Ubisoft is following up with a spinoff, Rainbow Six Extraction. Whereas Siege had you teaming up with a squad to take on other players online, Extraction is all about cooperation against parasitic aliens known as Archaeans. Sifu Release date: Feb. 8. Sifu is a fighting game from the developers behind Absolver, a charming martial arts game released back in 2017. Sifu takes the water-color art design and unique martial arts gameplay from that game and adds a new aging mechanic on top. You play as a kung fu student who needs to avenge his family by killing five assassins, but each time you die you’re revived slightly older. You get stronger as you age but have less health. You’ve got to avenge your family before father time takes you out. Horizon Forbidden West Release date: Feb. 18. Horizon Forbidden West is 2022’s first AAA blockbuster. A follow-up from the excellent Horizon Zero Dawn, Forbidden West is unfortunately timely: Aloy has to investigate a mysterious plague that infects and kills almost everything it comes across. The adventure will take her through to America’s post-apocalyptic west, across California, Utah, and Nevada. If you’ve played its predecessor, you know how great this is likely to be. If you haven’t played Horizon Zero Dawn, go ahead and do that. Elden Ring Release date: Feb. 25. For many, Elden Ring is the most anticipated game of the year. It’s notable for many reasons. First, it’s a major new release by FromSoftware, the developers behind Dark Souls. Second, it’s the first From Software game to integrate an open-world setting. Third, its world and lore was created with the help of George R.R. Martin. There’s a lot going on here, and it’s bound to be a hugely ambitious and rewarding title — for those resilient enough to make it through. Gran Turismo 7 Release date: March 4. In November Microsoft was able to show off its racing chops with the outstanding Forza Horizon 4. In March, it’ll be Sony’s turn. Like many titles on this list, Gran Turismo 7 was originally scheduled for a 2021 launch. That didn’t end up happening, but PlayStation 4 and 5 owners in need of a graphically beautiful and realistic driving sim have much to look forward to in March. Tiny Tina’s Wonderlands Release date: March 25. Those who have been hungry for more Borderlands will get their fix with Tiny Tina’s Wonderlands. It’s a spinoff from Gearbox’s popular series and a sequel of sorts to Borderlands 2 DLC Tiny Tina’s Assault on Dragon Keep. Tiny Tina takes the franchise in more fantasy, RPG direction, but they’re still bringing out the big guns: Andy Samberg, Will Arnett, and Wanda Sykes will all provide voice acting for the game. Forspoken Release date: May 24. In Forspoken, you play as Frey. She’s a woman living in New York who one day finds herself transported into a distant and unknown magical land. Don’t you hate it when that happens? Said magical land is ruled by a group called the Tantas, and it’s up to you to use your newfound powers to save the land and make it back home. Forspoken, previously known as Project Athia, is being developed to show off the PlayStation 5’s power — so will be a treat to look at if nothing else. Saints Row Release date: Aug. 22. Saints Row is getting a reboot. The fifth game in the series will simply be known as Saints Row. It’ll have the same open-world sandbox that the series is known for — set in an approximation of the US’ southwest — but will strike a more serious tone than the wild and wacky Saints Row IV. Starfield Release date: Nov. 11. This could end up being the game of the year. Starfield is a new IP from Bethesda, the creator of Fallout and The Elder Scrolls, and has been described as “Skyrim in space.” This likely means you could spend over 100 hours playing it and still not see everything. It’s set about 300 years from now following a bloody war between two factions, and you play as a humble space explorer. Starfield will only be >>Read more
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Auto insurance basics—understanding your coverage

The basic personal auto insurance mandated by most U.S. states provides some financial protection if you or another driver using your car causes an accident that damages someone else’s car or property, injures someone or both. But to make the best decisions about purchasing other types of auto insurance coverage you might need, you’ll want to understand what’s covered, what’s not covered and what’s optional. In addition to understanding types of coverage, you’ll also want to consider coverage amounts. Why? Because state-required minimums may not cover the costs of a serious accident, so it’s worth considering purchasing higher levels of coverage. Here’s a rundown of the types of coverage available—some are required; others are optional; all are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget. Mandatory coverage Nearly every state requires car owners to carry the following auto liability coverage: Bodily Injury Liability — This covers costs associated with injuries and death that you or another driver causes while driving your car. Property Damage Liability — This coverage will reimburse others for damage that you or another driver operating your car causes to another vehicle or other property, such as a fence, building or utility pole. Frequently required coverage Many states require that you carry the following coverage: Medical Payments or Personal Injury Protection (PIP) — Provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses. Uninsured Motorist Coverage — Reimburses you when an accident is caused by an uninsured motorist—or in the case of a hit-and-run. You can also purchase under insured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident. Even if these types of coverage are optional in your state, consider adding them to your policy for greater financial protection. Optional coverage While basic, legally mandated auto insurance covers the cost of damages to other vehicles that you cause while driving, it does not cover damage to your own car. To cover this, you need to purchase the following optional auto insurance coverages: Collision — This optional coverage reimburses you for damage to your car that occurs as a result of a collision with another vehicle or other object—e.g., a tree or guardrail—when you’re at fault. While collision coverage will not reimburse you for mechanical failure or normal wear-and-tear on your car, it will cover damage from potholes or from rolling your car. Comprehensive — This provides coverage against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards—even getting hit by an asteroid! Glass Coverage — Windshield damage is common, and some auto policies include no-deductible glass coverage, which also includes side windows, rear windows and glass sunroofs. Or you can buy supplemental glass coverage. Mind the gap… insurance If you lease or finance your vehicle, auto dealers or lenders will likely require you to purchase collision and comprehensive. But keep in mind that collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly. If your car is totaled or stolen, there may be a “gap” between what you owe on the vehicle and your insurance coverage. To cover this, you may want to look into purchasing gap insurance to pay the difference. (Note: For leased vehicles, gap coverage is usually rolled into your lease payments.) Who is covered—and when? Your auto policy will cover you and other family members on your policy, whether driving your insured car or someone else’s car with permission. Your policy also provides coverage if someone not on your policy is driving your car with your consent. Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands or taking a trip. Your personal auto policy, however, will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas or operate a delivery service. Note, too, that personal auto insurance will generally not provide coverage if you use your car to provide transportation to others through a ride-sharing service such as Uber or Lyft. Some auto insurers, however, are now offering supplemental insurance products (at additional cost) that extend coverage for vehicle owners providing ride-sharing services.
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Best photography destinations in Mexico

Mexico is a country where there are incredibly diverse landscapes, and exploring its territory becomes an endless search, from beaches and deserts to forests and volcanoes. It is one of the most varied places in the world. Many people like to take a little something home with them as a reminder of their travels. A keepsake to show where they have been. Something that could remind them of the fantastic experience they had during their travel adventures. Some tourists collect souvenirs when they travel. Others prefer to create photo galleries of their memorable journeys, especially when they visit places with attractions that they have not seen before and want to share with the world. Travel photo galleries are like a time machine that captures our journeys and lets us enjoy them over and over again. Travel photography The idea of traveling with a camera in hand makes many hopefuls lose sleep. As kids, we would scan through the pages of National Geographic magazines, imagining what the adventures must’ve been like for those photographers & explorers. What photographic equipment to take on a trip? If you are a professional, you will have to carry around all the equipment for your work, depending on the type of photography you will do. So this is the equipment you should take on a trip: The camera or camcorder with its lenses; two zoom lenses are sufficient. The flash or lamp for a camcorder; built-in or a small and light attachment. The tripod is another addition you should consider taking along on a trip. Don’t forget the holder that attaches to a belt or backpack that carries the camera. Several memory cards, to avoid losing any photos in case there’s a problem. A power bank, a battery charger, a car charger, and a plug adapter with multiple USB outlets. A basic cleaning kit: blower bulb, lens cloth, and sensor cleaning fluid with its cleaning stick. Your smartphone can serve as a flashlight and remote trigger. Best travel photography tips to improve your photos: Create different perspectives on your shots. The best landscape photos are taken early in the morning or at sunset. Tips and recommendations on improving the quality of your travel photography Take your time when capturing your photos and enjoy the places you’re in Every travel destination has a unique look, culture, history, people, mood, landscapes, and stories. In Mexico, beauty is everywhere. If you like photography, Mexico is a real paradise where great photographs are waiting to be created. There are many places in Mexico with landscapes and scenes that are worth capturing. And although Mexico has many memorable destinations, the ones below are mainly listed because they provide charming panoramas with unique colors & architecture that is a must-have for every amateur or professional photographer. Best photography destinations in Mexico Agua Azul waterfalls in Chiapas The state of Chiapas attracts tourists who like to enjoy nature, and the Agua Azul (“Blue Water”) waterfalls located to the north, 64 km from Palenque, are suitable to love for their fresh mountain jungle and of course for those cliffs with shades that They range from sky blue to turquoise. The waterfalls, coming from several rivers, form natural pools for swimming, the park has perfect viewpoints to accommodate you and take as many photos as you like, at the angles you prefer and take advantage of those tones, then you can enjoy the fresh water. Ask for recommendations from the guides and read the notices posted there. These waterfalls have this special color in dry seasons, so it is not recommended to visit them from June to September since they are the months when it rains the most and the waters become cloudy. The Bacalar Lagoon in Quintana Roo The town of Bacalar, considered a magical town, is located 45 km north of Chetumal, capital of Quintana Roo, next to the well-known Bacalar Lagoon or lagoon of the 7 colors, Would you like to have those tones in your camera? The lagoon is one of the main attractions of Bacalar, being a large expanse of shallow waters and white sand, with blue waves that give a natural landscape with a good environment for its mangroves and coconut palm trees. There are boats to hike around the lagoon as well as palapas around for excellent shots. The Cenote Azul is another unmissable place in Bacalar to take good photos, it is magical because of its circular shape and because it is surrounded by jungle, the water is very clear and you can see the depth. On the shores of this cenote, there is a restaurant to enjoy food with a good view of obtaining very good photographs. Chichen Itza in Yucatan Chichen Itza is one of the best Mayan archaeological sites considered a World Heritage Site by UNESCO and for its temple of Kukulcán, as one of the wonders of the world. The emblematic architecture of this city or Mayan ceremonial center is recognized for its large structures, worthy of carrying in your camera. The most impressive views are located in the central area where the Ball Court, temples, and the great pyramid of Kukulcán that shows the Mayan calendar are located. In the guided excursions you can take time, (you must have your camera already ready), to get good shots. I recommend that you also schedule your trip for the spring and autumn equinoxes, a unique spectacle is observed because at sunset the sun creates the illusion of a snake descending or ascending the stairs of the Pyramid of Kukulcán. Tulum on Riviera Maya Tulum in Quintana Roo has good tourist attractions but nothing like its National Park where the Mayan archaeological zone is located overlooking the ocean, beautiful for a postcard because of the color of the sea and the green of its palm trees added to the structure frame a good landscape for your photographs. When entering the National Park and knowing the archaeological zone, you can have good photos of El >>Read more
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