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A Washington man who followed the Pittsburgh synagogue suspect on social media was arrested on gun charges after his relatives reached out to authorities, federal court documents show.Jeffrey R. Clark Jr. was charged Tuesday with illegal possession of a high-capacity magazine and transporting a firearm in interstate commerce.Clark's family members tipped off authorities after they grew concerned over his involvement with the so-called alt-right movement, an affidavit says. It said he was "friends" with synagogue shooting suspect Robert Bowers on Gab, a social media platform that describes itself as "the free speech social network."On October 27, within hours of the attack that killed 11 people at the Tree of Life synagogue in Pittsburgh, Clark's brother, Edward, went to Theodore Roosevelt Island in Washington and fatally shot himself, the affidavit says."After the death of Edward Clark, Jeffrey Clark became more outspoken about his radical views, expressing them openly to his family members who were in the area following Edward Clark's death," the affidavit says. "During these conversations, Jeffrey Clark defended Robert Bowers' killings at the Tree-of-Life Synagogue. Jeffrey Clark also stated that he and Edward Clark had both fantasized about killing 'Jews and blacks.' "A few days after the suicide, two family members called federal authorities and said Jeffrey Clark had been "really riled up" and "agitated" after his brother's death, and he could be a danger to himself or others, the affidavit says. 1534

About 1 in 3 people 65 and older in the U.S. enroll in Medicare Advantage, the private insurance alternative to traditional Medicare. It’s not hard to see why: Medicare Advantage plans often cover stuff that Medicare doesn’t, and most people don’t pay extra for it.But Medicare Advantage can be more expensive if you get sick because copays and other costs can be higher, says Katy Votava, president of Goodcare.com, a health care consultant for financial advisors and consumers.Unhappy customers who want to switch back to traditional Medicare may find they no longer qualify for the supplemental policies to help pay their medical bills, or that they would face prohibitively high premiums.“These are complicated products,” says Votava, author of “Making the Most of Medicare.” “They’re like nothing else, no other insurance that people encounter anywhere until they get to Medicare.”Medicare’s alphabet soupThe first hurdle many people face when deciding about Medicare coverage is simply understanding how the various parts fit together. Traditional Medicare, also known as original Medicare, has two parts:Part A covers hospitalization and is typically premium-free.Part B covers outpatient care, including doctor visits, and has a standard monthly premium of 4.60 for 2020, although higher-income people pay more.You can choose any doctor who accepts Medicare, and most do. The government pays health care providers directly.Part D is prescription drug coverage, which is provided by private insurers. The drugs that are covered and the amounts you pay out of pocket vary widely. Monthly premiums vary as well but average .74 in 2020.Traditional Medicare has deductibles, copays and coinsurance that can quickly add up. To cover these gaps, private insurers also offer supplemental plans known as Medigap. The average monthly Medigap premium in 2019 was 2, according to health insurance marketplace eHealth.com, but it can be lower or much higher depending on the plan, the insurer and the area where you live. The plans are known by letters A through N. As with traditional Medicare, you can choose any doctor who accepts Medicare.If you apply for a Medigap policy when you’re first eligible for Medicare, the insurer has to accept you and can’t charge more for preexisting conditions.How Medicare Advantage is differentMedicare Part C is Medicare Advantage. Rather than add to the other parts of Medicare, however, Medicare Advantage plans replace them. Insurers that offer Medicare Advantage are required to provide all the benefits of Part A and Part B, and most plans include Part D drug coverage as well. In addition, the plans typically cover certain expenses that Medicare doesn’t, such as hearing, vision and dental care.Most Medicare Advantage enrollees in 2020 paid no additional premiums for their coverage, other than their regular Part B premiums, according to the Kaiser Family Foundation, a health research group.How Medicare Advantage manages costsMedicare Advantage plans are similar to employer-provided group health insurance: To be covered, you typically must choose health care providers in the insurance company’s network. The network may be relatively narrow if the plan is a health maintenance organization (HMO) or somewhat broader if it’s a preferred provider organization (PPO). You may need preapproval for certain types of care or referrals to see specialists. If you go out of network, your costs may not be covered or may not apply to your out-of-pocket limits. Even if your doctor is in-network now, that could change and you might not get much notice.Also, Medicare Advantage plans are typically regional. If you move out of the area or travel to other states, you may not be covered.The devil’s in the details, and Medicare Advantage plans have many, many details. The average Medicare beneficiary has access to 28 Medicare Advantage options, with varying networks, coverage, deductibles, copays and co-insurance, according to the Kaiser Family Foundation. In general, though, Medicare Advantage costs less upfront and potentially more overall if you need lots of medical care. Many Medigap plans have higher upfront costs but cover most if not all of your expenses when you need care.If you want to switch from one Medicare Advantage plan to another, you can do so during annual enrollment periods. But if you want to switch from Medicare Advantage to traditional Medicare, you often won’t have guaranteed access to a Medigap policy. That means the insurer may charge you more, exclude preexisting conditions for a time or not issue you a policy at all.That doesn’t mean Medicare Advantage plans are a poor choice — just a complicated one, says Tatiana Fassieux, a training specialist with California Health Advocates, a Medicare advocacy nonprofit. She recommends people contact their state health insurance assistance program, which can provide free, unbiased one-on-one counseling. Links to these programs can be found by visiting the SHIP National Technical Assistance Center.“People should not rely exclusively on television commercials,” Fassieux says. “That’s when people get stuck and sometimes make the wrong decision.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Fake Reviews and Saving ‘Too Much’Is Moving Now Your Best Financial Move?When Debt Relief Does More Harm Than GoodLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5523

After standing on a street corner and asking strangers for employment, one homeless man in Silicon Valley has been overwhelmed by job offers.David Casarez, a college graduate in his 20s, was spotted holding a sign that read, "Homeless hungry 4 success take a resume." He was handing out his resume to motorists in Mountain View, California -- where Google is headquartered -- and hoping to make a job connection.Casarez moved to California several months ago, seeking a job in the tech industry. He recently ran out of money and said he had to get creative to get noticed, according to CNN affiliate KRON. 618

Allan Lichtman is a historian who wrote “The Keys to the White House,” which outlines 13 metrics for predicting the outcome of a presidential election.Lichtman’s method has proven to work over the years, as he broke from other prognosticators and predicted a Donald Trump victory in 2016. And with the 2020 presidential election now less than three months away, he has weighed in on this year’s race.Lichtman predicts that Joe Biden will win in November.The 13 keys looks at issues such as social unrest, the economy, previous midterm results, scandal, and military results. Lichtman predicting elections in the early 80s, and accurately called for Ronald Reagan's victory in 1984. He has called eight elections since.Lichtman explains his method in a New York Times video op-ed. 787

A young girl was reportedly injured by a service dog on a Southwest Airlines flight from Phoenix on Wednesday night. The incident occurred on flight 1904, which was headed to Portland, Oregon at the time. Southwest Airlines told Scripps station KNXV in Phoenix that the support dog's teeth "scraped a child's forehead as the young passenger approached the animal, causing a minor injury." They confirm the child was cleared to continue on with the flight. Passenger Todd Rice posted the incident on Twitter, with a photo of the dog on the plane. The dog and handler were removed from the flight without incident, Rice told ABC News.According to Southwest Airlines, the dog and handler remained in Phoenix while the aircraft departed about 20 minutes behind schedule. "As always, the safety of our Customers is our highest priority," Southwest said in a statement. 916

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