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It started six years ago. And hopefully, it will be the last time in 2020. Please switch on two-factor authentication on all of your accounts. ??— Victor Gevers (@0xDUDE) October 22, 2020 201

It happens every year around this time.The weather gets colder and cold and flu viruses start making the rounds. But this year, there's a third illness expected to enter the mix: COVID-19.New cases are coming in at a record pace. Hospitalizations and deaths are rising, too.Now, public health experts say the pandemic is in a "critical phase,” warning winter could be the worst season yet for the novel coronavirus.Cold weather is one of the main reasons that doctors expect cases to rise sharply over the next couple of months. Researchers say the virus survives best in cold, dry conditions without direct sunlight. The same conditions that fuel cold and flu seasons.The cold weather also pushes more people to spend time indoors, where the virus can spread more easily, especially if air ventilation is poor.“Pandemic fatigue" is another reason COVID-19 cases could surge this winter. The surgeon general says people aren't taking precautions as seriously as they were before and that it's already causing an increase.That fatigue is expected to get worse this holiday season. Many people got together for Thanksgiving, and Hanukkah, Christmas and Kwanzaa are right around the corner.Experts say while some people are simply tired of social distancing and being isolated, others plan to make an exception for just one day with family.Aside from warm weather, experts think this spring will bring a brighter outlook for ending the pandemic, with new therapeutics and vaccines to help bring cases under control. 1520

Iran has issued an arrest warrant for President Donald Trump and 35 other people in connection with a U.S. drone strike that killed a top Iranian military commander earlier this year.CNN and NBC both confirmed the reporting of Fars, an Iranian news outlet.Both CNN and NBC say Iran asked Interpol for help in apprehending Trump. In a statement issued to CNN, Interpol said it "would not consider requests of this nature" and said it was against the organization's constitution to "undertake any intervention or activities of a political, military, religious or racial character."Iran says it wants to press charges against Trump after he ordered the assassination of Qassem Soleimani, a general in the Islamic Revolutionary Guard Corps in January. Soleimani's death sparked massive protests against American imperialism in Iran and heightened tensions in the region.The Pentagon claims that the unit directed by Soleimani is responsible for the deaths of hundreds of Americans.Trump ordered the drone strike that killed Soleimani after days of riots at the American Embassy in Iraq. The U.S. claims the riots were backed by the Iranian government.Following Soleimani's death, Iran fired rockets near an Iraqi military base where U.S. troops were housed. Though Trump reported at the time that no American troops were hurt, it's since been revealed that dozens of U.S. soldiers were treated for brain injuries.The same day of the rocket attack at the Iranian base, an airliner was shot down near Tehran, killing 176 people. Iran later took responsibility for the plane crash but said the incident was "unintentional." 1624

It's not too hard to spot massive housing projects being built around San Diego County right now.But they may not be enough to provide little relief to the rising rents and home prices around the region.A recent report from the San Diego Housing Commission said the city would need to build on average as many as 22,000 housing units per year for the next decade. But in 2017, only 10,000 units were authorized countywide."It's not so much that there is resistance to it, it's just the fact that it's hard to do," said Jeff Stevens, chair of the Mira Mesa Community Planning Group. "If you have to tear something down in order to build something else, it takes time and money."Some of the city's larger projects are in Mira Mesa - where Casa Mira View will have about 2,000 apartments when complete.And to the west at Hansen's Aggregates, a quarry that runs through Carroll Canyon, Shea and Lennar are planning to build what's called 3 Roots. The complex would have 1,800 units - including 186 single-family homes, 981 condos, and 633 apartments (180 of which will be affordable). The complex is about to go through environmental review. Still, residents are already expressing concerns over impacts like traffic."I want people to have affordable housing, that's very important. And also we want the contractors, subcontractors to have jobs, and growth is always important. But they need to think it through first before they do it," said John Svelan, a longtime Mira Mesa resident. ,Stevens said his board has reacted positively to 3 Roots, which would extend Carroll Canyon road. Another complex is being proposed over at Vulcan Materials for about 4,500 homes, but that's further away. The city of San Diego recently approved a series of development incentives, including density bonusses for micro-units near transit areas, that it hopes spurs more building. Lynn Reaser, chief economist at Point Loma Nazarene University, said it may take 15,000 new units per year just to stabilize the market. Meanwhile, Alan Gin, economist at the University of San Diego, noted that the region added 27,000 new jobs in the last year, increasing the demand for housing.    2220

It was America's retailer, long before Amazon. But now Sears is filing Chapter 11 bankruptcy and closing another 140 stores — in addition to well over 1,000 stores the past five years.While the company will remain in business, longtime customers are a bit nervous, wondering about warranties for all those appliances they bought, as well as Shop Your Way reward points and gift cards.Sears shoppers like Cleo Pennington have a lot of questions about the bankruptcy."I'm very sad. Very, very sad," she said.So we checked the fine print in the Sears announcement to get answers.Q: Are all stores closing? A: Sears says no, and insists it plans to emerge from bankruptcy a stronger, leaner company.Q: What if you have a gift card? A: They are still valid, but any time a store files for bankruptcy, you may want to use them as soon as possible, just to be safe.Q: What about Shop Your Way rewards?  A: They are still valid at remaining Sears and Kmart stores.Q: Will appliance warranties be honored? A: Sears says it will honor them as long as it remains in business. That includes extended protection plans and full home warranties. However, Business Insider says if the chain decides to liquidate next year, then warranties could become worthless.Q: Where can you still find Kenmore appliances?A: In remaining Sears stores, at Sears.com, and on Amazon. More than just an appliance storeBut Sears wasn't just where moms and dads shopped. Tens of millions of children looked forward every Christmas to The Wish Book, filled with dozens and dozens of toys.Cheryl Ayers remembers it well, "It was a big deal when that catalog would come in the mail every Christmas and we would go through it with a pen and circle what we wanted Santa to bring," she said.Back in the 1920s and 1930s, Sears even sold houses, which today are still dotting neighborhoods across the country.But the houses went away after World War II, while Amazon, Target, and Walmart took the toy business, and Best Buy, Home Depot, and Lowe's took the appliance business.Sears will continue to sell Kenmore appliances in remaining stores and online, but Cheryl Ayers says it's not the same."This is the end of a dynasty and it's sad," she said.Sears will still have 600 stores remaining, and a website.But with big-name brands like Whirlpool pulling out, no one is sure how much longer remaining stores can survive. Business Insider worries some prospective customers may now be afraid to purchase a major Sears appliance, wondering about the future.________________"Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps")."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com  2838