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NASHVILLE — With the popularity of genetic testing kits increasing, more people may begin to experience repercussions where their insurance premiums are concerned.The internet provides people with nearly anything they could possibly want day or night, but you may want to think twice before ordering a take-home genetics test from one of the many sites that offer them.Insurance premiums are determined by what sort of risk a person poses to their insurance company. This means that learning more about your heritage and the health conditions in your family history could lead to your insurance company charging you more.Jason Veirs, president and owner of insuranceexperts.com, warned that "a genetic test through a physician will become part of your medical history." Veirs says the general rule is if it's in your medical records, insurance carriers can ask to see  it. On the other hand, if you are using a consumer genetic testing kit, you will have to decide whether or not your trust that company to keep your results private.In the end, insurance companies cannot force you to take a genetics test and therefore, the choice to use one of these kits is entirely up to you. 1212

NATIONAL CITY, Calif. (KGTV) -- A lawsuit was filed Wednesday against National City over the death of a man who died in police custody. The lawsuit, filed by the family of Earl McNeil, names National City as well as several officers and deputies. McNeil showed up at the National City Police Department in 2018 seeking help. RELATED: No criminal charges to be filed in National City Police custody death of Earl McNeilPolice say he made threats and admitted he had drugs. McNeil died in jail from a heart attack. According to the medical examiner, McNeil had high levels of methamphetamine in his system when he died. The lawsuit claims officers used excessive force and failed to give him proper medical care. The family is seeking an unspecified amount of damages. 10News reached out to National City Police and the San Diego County Sheriff’s Department but has yet to hear back. 890

MISSION BAY PARK (CNS) - A 36-year-old woman was hit by a car while riding her moped-style scooter in the Mission Bay Park neighborhood, authorities said today.She was cruising south on Ingraham Street around 1 p.m. Saturday when she took the Sunset Cliffs offramp, according to the San Diego Police Department.``A car tried to pass her on the left and collided with her, causing her to lose control,'' Officer Robert Heims said. ``She was ejected from the scooter.''The woman suffered a pelvic fracture, a broken tooth and multiple abrasions, he said. She was taken to a local hospital for treatment of non-life- threatening injuries.Police haven't identified any witnesses. Investigators say the suspect sedan is maroon in color.Anyone with information about the incident is asked to call San Diego police at 858-495-7800 or Crime Stoppers at 888-580-8477. 866

NASHVILLE, Tenn. (WTVF) — A Tennessee woman is calling for more oversight on the U.S. Small Business Administration loan program, saying it has made people an easy target for thieves.Pat Golab has been following the trail left behind by the people responsible for stealing her identity back in August. The last time she spoke about what happened, she shared that she was approved for the SBA Economic Injury Disaster Loan (EIDL). Not only did Golab not apply, but she doesn't have a business of her own.In the months that followed, Golab filed three reports with the SBA and the Office of the Attorney General. She finally managed to get her hands on a copy of the application and says what she found should put others on alert.Thieves used her name, address, and social security number to apply for the ,000 loan, but left virtually everything else blank.Simple questions like ethnicity, gender, and veteran status went ignored. Golab says that should have been a red flag, but it only got worse from there.“Things like, how long have you been in business? Nothing,” said Golab.Questions on prior business history and bankruptcies were left blank. These thieves claimed 12 employees were working, but also say they plan to retain none.“The application never should have been approved,” Golab said.So why was a program designed to help businesses keep their employee, paying out thousands of dollars to businesses who don’t plan on retaining anyone? That’s the question Golab has yet to have answered.“I looked on the SBA’s website on how to complete the application and one of the first things it says is every question must be answered. If not, the application will be returned and you’ll come back and you’ll start at the bottom. Which was not what they did at all,” Golab said.The loan in Golab’s name has been deferred, but she still gets letters from the SBA saying they need her to make 0 payments each month to cover the accruing interest.We contacted the SBA once again on Monday and they tell us they can’t speak in detail about individual claims.They issued this statement:“The SBA Office of Inspector General and the agency’s federal partners are working diligently to resolve Economic Injury Disaster Loan and PPP fraud incidents.Additionally, the SBA does not comment on individual borrowers. Evidence of waste, fraud, and abuse with any of SBA’s loan programs is not tolerated and should be reported.”Douglas Schmidt is a professor of computer science at Vanderbilt University and says cybercriminals are expanding their operations around the country. This makes it even more challenging to catch them in the act, and almost impossible if they are beyond the jurisdiction of local and state law enforcement.With how fast federal officials had to roll out money for unemployment programs and the SBA loans, Schmidt says it makes sense why some applications like those filed in Golab’s name could slip through the cracks.“It’s a growing problem. It's a problem that is only solved by education,” Schmidt said.If they haven’t tried already, Schmidt says thieves will send phishing emails and or calls, claiming to be one of these agencies you trust. Whatever you do, do not fall for it.Pay close attention to the email address or phone number. If you’re at all skeptical about who you’re talking to, try calling the agency back yourself to verify if they made the call in the first place.Around the holiday season, thieves will also try and use the names of people close to you. They may give you a story about a relative falling on hard time needing money. The same advice applies again. Try contacting the relative yourself, to avoid sending money to someone you do not know.Thieves may also try and convince you that your Amazon package is delayed and they need more information to verify where to send it. Stop the call, or don’t click on the email and contact Amazon directly.Click here for more information if you suspect you were the victim of SBA loan fraud.This article was written by Levi Ismail for WTVF. 4041

National security adviser H.R. McMaster has agreed to resign and will be replaced by former US ambassador and Fox News analyst John Bolton, President Donald Trump announced in a tweet on Thursday."I pleased to announce that, effective 4/9/18, @AmbJohnBolton will be my new National Security Advisor. I am very thankful for the service of General H.R. McMaster who has done an outstanding job & will always remain my friend. There will be an official contact handover on 4/19.""The two have been discussing this for some time. The timeline was expedited as they both felt it was important to have the new team in place, instead of constant speculation," a White House official said. "This was not related to any one moment or incident, rather it was the result of ongoing conversations between the two."Bolton is a stalwart of Republican national security circles known for his hawkish views."After 34 years of service to our nation, I am requesting retirement from the U.S. Army effective this summer after which I will leave public service. Throughout my career it has been my greatest privilege to serve alongside extraordinary servicemembers and dedicated civilians," McMaster said in a statement released by the White House."I am thankful to President Donald J. Trump for the opportunity to serve him and our nation as national security advisor. I am grateful for the friendship and support of the members of the National Security Council who worked together to provide the President with the best options to protect and advance our national interests," the statement said. 1589

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