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Alec Baldwin is a father again.He and wife, Hilaria, announced Thursday that she had given birth to their fourth child, a son."He's here! He's perfect! 8lbs 2oz #wegotthis2018," they captioned a photo showing the couple with their new baby on Instagram.It's the third boy for the pair, who married in 2012.The new baby joins siblings Leonardo ángel Charles, who is 20 months old, Rafael Thomas, 2, and big sister Carmen Gabriela, 4.Baldwin, 60, also has a 22-year-old daughter, Ireland, from his former marriage to actress Kim Basinger.In the May edition of Hola! US, Hilaria, a 34-year-old yoga and wellness expert, said that she, and not her actor husband -- who has been known to be mercurial -- is the alpha parent."I am the boss at home and everybody knows that. They call me that," she said. "You ask them, 'Who is the boss?' and they'll say, 'Mommy is the boss.'"  884

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

Ahead of the election, many social media sites are tightening things up. Many platforms are trying to make sure what you're searching for, what you're seeing and what you're reading is factual.Pick a platform or a search engine and it's not hard to find what you're looking for.“Remember in 2016, no one took social media seriously on either side,” said Jason Mollica, a professor of communications at American University in Washington DC.He teaches digital and social media analytics and public relations. He analyzes just how we communicate. These days, a lot of our conversing is over the internet. As the election inches closer, Mollica and his students are watching and discussing what's happening on social media platforms.“It’s not that much different but the stakes are higher, not from the perspective of voting but as in what these socia lnetworks are trying to do or not do it the wake of what happened in 2016,” Mollica said.Take Facebook for instance. The social site has been under scrutiny and they know it. Mark Zuckerberg posted from his own account about what changes the site is making, including informational posts about voting and how and where to vote. Facebook will block new political ads in the final week before the election, and they say they'll be working with officials to remove misinformation about voting.There are also rules against COVID-19 threats surrounding voting.Twitter is also taking a stand. Mollica says you might see something trending but if there's a problematic post, the original content will likely be pulled.“We’re not gonna allow this content to continue is something is shared by Joe Biden or Donald Trump or any political party,” Mollica said. “They’re going to make sure it’s taken down because they want to mitigate the negative news or the false news that comes out from certain accounts.”Twitter says it has election teams focusing on integrity, and the company is launching initiatives to help users find original sources of information. You'll also be able to report misleading information.“This isn’t censorship,” Mollica said. “This is something where social networks are saying, ‘Look, we understand we’re a news cycle.’ At least from Twitter’s perspective, they share news. They want to be a place where people get news. They’re looking… from a standpoint of you wouldn’t see that on a television station necessarily, why should you see that on twitter?”And Google, the site many turn to to search for anything and everything, has modified its autocomplete policies, removing predictions that could be viewed as claims for or against a specific party. And that is no easy task.“Think of a search giant like google. They can’t pull content off the internet but they can definitely take key words from search results and say we’re not going to show those to people,” Mollica said.Donald McLaughlin, co-founder of the Denver Based CP-Cyper said, it’s not that internet content is missing. Google has just made information harder to find. McLaughlin says, however, it doesn't mean that you can't find it on other search platforms.“Use a different search engine,” McLaughlin said. “There is Bing, DuckDuckGo, a few others that are meant to be less persuasive, less filtered that will give you exactly what you search for versus what they want you to see or what they think you want.”“So, Google trying to mitigate it somehow is a great start but you think about it’s basically putting a small cork in a huge hole and it’s still leaking and you can’t really stop it,” Mollica said.Most experts would agree it’s unfortunate that it has come to this.“We’ve gotten to a place now where misinformation does spread like wildfire on social media. People will sensationalize to get likes to get people to follow them and really doing the research to vet whether something is true or not is very important,” Mollica said.He says that's true whether you're buying a car, or voting. And while the internet giants can only do so much, it’s a big step on the keyboard as we move toward the election. 4053

AGOURA HILLS, Calif. (KGTV) – Residents in the burn areas from the Woolsey and Holy fires are being told to prepare for the possibility of mudslides and debris flows as a storm moves into Southern California Wednesday, according to KABC. Mandatory evacuations have been issued for areas impacted by the Holy Fire. Those areas include: Amorose, Alberhill, Glen Ivy A, Glen Eden, Grace, Horsethief A, Laguna A, Matri, McVicker A, Rice, Withrow A. Mandatory evacuations ordered as of 3 p.m. in the Holy Fire area for Amorose, Alberhill, Glen Ivy A, Glen Eden, Grace, Horsethief A, Laguna A, Matri, McVicker A, Rice, Withrow A. People in these zones MUST GO NOW. Check https://t.co/q5Eos4UKT2 for evacuation zone details.— RivCoReady (@RivCoReady) November 28, 2018 770

A woman in Texas was sentenced Wednesday to a five-year prison term for voting illegally in the 2016 presidential election while on supervised release for a tax fraud conviction.When she voted in the 2016 election, Crystal Mason had already served almost three years in prison for her fraud conviction but had not yet completed her sentence and was still serving a three-year supervised release period, according to the Fort Worth Star-Telegram.Convicted felons lose their voting rights in Texas until they complete their full sentences, including parole and probation.Mason reportedly told the court, however, that she was not aware of that prohibition and had not been informed that she was ineligible to vote until her sentence was complete."She voted in good faith," Mason's defense attorney J. Warren St. John said in an interview. "I don't think she should be going to prison for that." Her attorney has already filed an appeal. "I think Texas law is extreme in terms of sentencing people to prison for voting violations," he said.Mason signed an affidavit in order to cast a provisional ballot, which stated that it is a violation of the law to vote if you are a convicted felon, but Mason did not see that part of the ballot, St. John said."Ms. Mason was never asked if she was a convicted felon by the election judge nor did she indicate that she was a convicted felon," her attorney said. "Ms. Mason voted in good faith that she could legally vote because she was never notified by any government agency that it was against the law to vote."Prosecutors argued that Mason either intended to vote illegally or should have been aware that she was not eligible to vote, according to The Fort Worth Star-Telegram. Matt Smid, a prosecutor with the Tarrant County District Attorney's Office, did not immediately respond to a request for comment.The Star-Telegram reported at the time of her indictment that Mason believed she was being targeted for her vote -- which she said she cast for Democratic nominee Hillary Clinton.During the 2016 campaign, Donald Trump regularly said that the election was "rigged" against him, and after he won the presidential election, he claimed without evidence that massive voter fraud had cost him the popular vote. 2260