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If you use Alexa, listen to this. Instead of just playing your music or answering questions, it could soon tell if you're getting sick and suggest you buy things like cough drops or soup!It’s just one of the ways health marketers are using technology to reach consumers.A new thermometer app allows user to track fevers and symptoms. This flu season, Clorox paid to get that information and used it to target its ads to zip codes that had increases in fevers.Daren Duber-Smith, a marketing processor at MSU Denver, says this marketing technique isn’t new. Companies like Google and Facebook are already sharing user information.However, sharing health information is something new.“I don't think when people are buying thermometers that they necessarily really know that these devices can not only collect a lot of data about them, but that they're under current regulations they're allowed to share that data,” Duber-Smith explains.  Kinsa, the company that makes the smart thermometer, says this so called "illness data" doesn't have any identifying personal data when shared with other companies. But Kinsa’s thermometer, as well as Amazon’s new patent that could enable Alexa to detect cold symptoms, are just two of many technologies raising questions about privacy.“I think when it comes to personal health, people might be willing to give up a little bit more privacy if they perceive that it's going to help them live longer and help them live healthier lives, or maybe save their lives in some instances,” Duber-Smith says.Still, Duber-Smith believes how much is disclosed should be up to the consumer.  1640

If it's hard to understand how a service member could end up on the streets, listen to Chris Perry's story.“When I got out, my transition back into civilian life didn’t work out too well," Perry said. "I became homeless for about five or six years and kept getting into a lot of trouble."Perry battled addiction when he left the Marine Corps after eight years of service. He is an Iraq War veteran, who enlisted in the Marine Corps as soon as he could.“I joined when I was 17. My mama had to sign a paper to let me go in early," Perry recalled.When he left the military, he found himself lost in the country he swore to protect.“Honestly, I didn’t see any light at the end of my tunnel," Perry said.Finding that light can take a village, and for Perry, it's not a figure of speech.The tiny homes of Kansas City's Veterans Community Project are a unique approach to the all-too-common problem of veteran homelessness.Army Veteran Brandonn Mixon, who served in Afghanistan, is one of the founders of the Veterans Community Project, and he knows the challenges so many veterans face.“The most successful I’ve ever been was in the military. When I came back home, I couldn’t adjust. I couldn’t transition out of the military mentality back to the civilian-life mentality," Mixon said.The veterans who live in the village get to keep everything inside their tiny home, and the staff helps connect them with services so they can move forward.While some nonprofits may consider factors like whether a veteran looking for help was honorably discharged from the military to join this community, the promise at the core of service is what matters most.“By veteran, I mean, you raised your right hand, you took the oath to serve your country, you could have served one day or 100 years; you’re a veteran in our book," said Bryan Meyer, one of the founders of Veterans Community Project who served in the Marine Corps and was deployed to Iraq in 2003 and 2005.The tiny homes model is expanding nationwide. The Veterans Community Project broke ground on a new village in Longmont, Colorado.The expansion is important because each veteran, like Chris Perry who is now enrolled in community college, is now on the right path.“They got me to a point where there is no going back, so it’s just straightforward from here," Perry said.However, there are still people who took the oath to protect this country and living on its streets in need of help."I know there is a veteran who is sleeping on the streets. There is a veteran crying right now, wanting to commit suicide because there’s nobody who has his back. I’m not going to lie, we’re not going to be done until we find that veteran," Mixon said. "We save his life, we have his back, because he would do that for me, and I owe it to do it for him.” 2794

In 2019, reported hate crimes were the highest they’ve been in more than a decade, new stats released by the FBI show.What is a hate crime?“It’s different depending on the state. The federal government has their definition and each state really has their own definition,” said Stacey Hervey, Affiliate Criminal Justice Professor at Metropolitan State University of Denver.“Hate crimes are motivated by stereotypes, biases or prejudices against a certain group of individuals,” said Apryl Alexander, Associate Professor of Psychology at the University of Denver.Last year, the U.S. saw the highest number of reported hate crime cases since 2008, as shown by the FBI’s recently released 2019 stats.“Hate crimes are often fueled by people who feel slighted in some way, that they have some sense of injustice for who they are,” Alexander said.She explained why people follow through with hate crimes.“When we’re referring to Mexican people as rapists what does that do to your psyche? Are you internalizing some of that and is that fueling you to commit some sort of hate crime or microaggression.”These thoughts can lead to words, or even violence. The more you hear them the more they can impact your thoughts.“We have a current atmosphere right now that those on the fringes, and it doesn't matter what side of the extremist fringe you're on, kind of condones that violence,” Hervey explained. “Social media, because we've been cooped up, definitely has a role in encouraging…giving people the opportunity to find like-minded people who have their same viewpoints.”Hervey explained that current events, mixed with everyone staying home, and different groups targeting people on social media during the pandemic, are all having a big impact.“You're seeing these organized hate crime groups grooming these loner type individuals looking for this collective identity. Also what you see with gang membership,” Hervey said. “Social isolation is leading people to find their collective identity or group online.”Of the 8,302 hate crime offenses reported in 2019, a reported 57.6% stemmed from race, ethnicity, and ancestry bias. The second largest category was motivated by religious bias at 20%, according to FBI data.“It used to be based on sexual orientation was the largest group for hate crimes, and now it’s really turned to ethnicity and race,” Hervey said.“It’s affecting communities. What’s happening right now is communities of color being fearful of going out in public knowing these hate crimes are existing,” Alexander said.While not all hate crimes go reported due to fear, or differing definitions based on jurisdiction, Hervey and Alexander said bystanders can play an important role in awareness.“People are afraid to get involved because of increased violence in our society. My recommendation for people who witness something is to document it either through their phone or through a written format, and then encourage people to call the police so it can be documented because it is an increased problem today in society,” Hervey said. 3056

Imagine arriving at the checkout line to use a gift card, only to realize the card is empty. It's the latest way scammers are hitting consumers, and it’s happening frequently.Now, one woman is suing Walmart over it.Although the company is not behind the scam, the woman claims Walmart is not doing enough to prevent these scams from happening. 351

If the pandemic caused you to relocate across state lines, even temporarily, the next surprise could be having to file an extra tax return and potentially pay more taxes.The issue gained national attention in May, when Gov. Andrew Cuomo of New York said out-of-state health care workers who came to help with the pandemic would face New York income taxes.Cuomo’s comments generated outrage, but in fact, most states tax people who earn money within their borders, even if those people usually live and file tax returns elsewhere. Even a single day in some states can trigger a tax bill.Remote working could mean tax hasslesMultistate taxation has long been a headache for entertainers, athletes, professional speakers and others who earn money in more than one state. Snowbirds, retirees who move south for the winter, can face it as well. Now it could be a problem for many people who relocated, however temporarily, because of the pandemic.Nearly one in 10 young adults, those ages 18 to 29, said they had relocated because of the pandemic, according to a Pew Research Survey poll taken in early June. Overall, 3% of adults said they’d moved and 6% said someone else had moved into their households. Those who moved cited reducing their risk of infection (28%), college campuses closing (23%), wanting to be with family (20%) and job loss or other financial issues (18%).Changing attitudes about remote work mean that multistate taxation could be an issue for more people and companies in the future. Nearly half of the company leaders surveyed by research firm Gartner in June said they planned to let employees work remotely full time even after people can return to the workplace. Remote working allows people to move to more affordable areas, which could be in a different state. But having even a single employee in another state can raise business and sales taxes for their companies.A tangle of tax rulesFor individuals, double taxation, having to pay taxes in two or more states on the same income, is possible because state rules differ so widely. In most cases, though, the taxpayer’s home state will offer a credit for taxes paid in other states, says Eileen Sherr, senior manager for tax policy and advocacy for the Association of International Certified Professional Accountants.But there are scenarios where someone could end up paying more without technically being taxed twice, Sherr says. If the tax rate in the new location is higher, for example, the home state’s credit may not offset the whole bill. Also, if the person’s home state doesn’t impose an income tax but the other state does, then there’s no credit to offset the additional taxes.Another issue: failing to file a required state tax return, either because people didn’t know the other state required it or because they’re hoping to get away with it. That can lead to audits, taxes, penalties and amended returns, says Mark Klein, chairman of Hodgson Russ law firm in New York City. Auditors often can figure out where you were when by using cell phone records and credit card receipts.You can, of course, decide to make your move permanent. But if you change your mind, move back and get audited, the auditors will conclude that you never truly left, Klein says.“The real test is whether you stick the landing,” Klein says.What can be doneSome states have long-standing reciprocity agreements, usually with neighboring states, that will prevent commuters from having to file multiple state tax returns, Sherr says. In addition, 13 of the 41 states that tax income have said they will give remote workers a break if they moved because of the coronavirus, she says.Sherr suggests that people who may be affected by another state’s tax laws talk to a tax pro to assess what their liability might be and discuss the situation with their employer, in case their withholding needs to change. She also recommends people keep good records so they can track how many days they earned money in each state and how much.It’s possible that Congress could provide some help. A proposal in the Senate’s pandemic relief bill would require that states maintain the pre-pandemic status quo — in other words, pay for newly remote workers would be taxed the way it was before the pandemic. The bill also would create uniform rules for assessing state and local income taxes.Those ideas may face opposition from states desperate to replace lost revenue, however. The lockdowns quashed economic activity, and the resulting recession has made consumers and businesses cautious about spending money, further reducing tax revenues.“The states need money,” Klein says. “Because of COVID, they need more money than ever before.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Renters Are Struggling, and What to Do With an Old 401(k)Distance Learning Can Fit Into Your Back-to-School BudgetThe 2 Costs That Can Make or Break Your Nest EggLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5077

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