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SOLANA BEACH, Calif. (KGTV) -- These days, the only person who can keep Kevin and Nicole Noar positive is their one-year-old son, Deklan.Otherwise, they are tormented."We can't sleep," Nicole says. "You go through so many different feelings and then the worst part is the morning because you just wake up and you keep feeling like it's still real. You just want to wake up and feel like it didn't happen and it did."The couple is living a nightmare, just days after they thought they'd achieved the American dream. They're staying with family in Solana Beach at a time they thought they'd have closed on their dream home in Carlsbad, where they hoped to create a happy childhood for Deklan."All of this was for him," Nicole says. "The house, with the yard, with schools, and so he could have a sibling."But instead, their roughly 5,000 down payment for that home, 60 percent of the purchase price, is now in the hands of a hacker in an account in Singapore. The money, which came from prior home ownership and inheritance, was supposed to go to lowering the couple's cost-of-living. Nicole is a nurse and Kevin is a chef, so they hoped to make the move more manageable. "It's literally all the money that we had to get this house so that we could have a low enough mortgage payment that we could afford," said Nicole. Nicole says she started receiving fake emails from a hacker posing as employees at her escrow company and her real estate agent, who was away due to a death in the family. Kevin says the emails were sent with duplicate signatures and addresses that appeared as contacts in their phones when clicked. The Noars are taking specific aim at their escrow company, saying an employee e-mailed them official wire instructions via unsecured email. The instructions did not have account numbers, but the Noars say the hacker got that email, duplicated the document, and sent it back with account numbers to a bitcoin exchange. The couple took that document to the bank, which did not catch the bitcoin clue. After the wire, Nicole called the escrow company she thought she had wired the money to, which says should have triggered them since they never actually sent her instructions. "They called back, they called to tell me what time the notary would be here the next day to sign our loan docs," Nicole said. The couple is now weighing their legal options and therefore asked 10News not to identify the escrow company. They have also contacted the FBI.The FBI says Californians are the biggest target of these kinds of scams. Many escrow companies have warnings saying never to accept wire instructions via e-mail, and to instead call. Another strategy is to forward all emails to the escrow agent, not just hit reply without looking at the address. In 2019, 50,000 Californians fell victim to internet financial scams, losing more than 3 million, the highest number in the U.S, according to the bureau. "Typically, escrow will send the wire instructions to the buyer via some sort of secured email, so be very suspicious if you receive (unsecured) wire instructions from an escrow or title company, especially if the escrow or title company is not the same title company or the same escrow company that you're dealing with," said Mark Goldman, a loan officer at C2 Financial. The Noars have set up a GoFundMe to help make up for the loss. 3366

Shots fired in the Inner City district - there are persons injured - KEEP AWAY from all public places or public Transport - don't share any Videos or Fotos!— POLIZEI WIEN (@LPDWien) November 2, 2020 206

Several Hilltown, Pennsylvania, police officers helped save a distressed horse from a burning barn last week, which was captured by an officer’s body-worn camera.Officer Matthew Reiss told KYW-TV that he did not have much time to get Phoebe the horse out of the barn."Quickly improvise, and come up with a solution to get that animal out,” Reiss said.Other horses were in the barn at the time of the fire and were rescued by friends and family, but Phoebe was reportedly too spooked to follow.That’s when the officers and horse trainer Lena Obernesser teamed to get Phoebe out. Obernesser used a shirt to cover her eyes and push the horse to safety as Reiss used a rope to pull Phoebe to safety. Phoebe then ran to safety."She was definitely terrified, the cops were fantastic though, they jumped right in,” Obernesser told KYW. “I saw the footage and I was just in awe. Like oh my God, thank God they were here."Obernesser credited the officers for rescuing Phoebe.“They really stepped up, we had so many people reaching out,” she said. “it was, I was so proud to be a part of this community."After a week, Phoebe is reportedly in good health. The condition of the barn is still being calculated, but members of the community have started a fundraiser to help the Red Wing Farm care for their horses. 1309

Some people are returning to work after months of being at home. It's a big change for people and pets as well.Veterinarians warn pets who haven't experienced separation anxiety before could still be at risk of having it now.Many have gotten used to a new routine of having humans at home.Other dogs may be more prone to this anxiety if they already suffer from other types of it, like when there's a thunderstorm or loud noises.“It’s similar to people having general anxiety and being higher strung,” said Dr. Jessica Romine, an internist with Blue Pearl Veterinary Partners. “So, if you notice that your dog tends to have a really strong reaction to storms, that could be a warning sign that they may also have that.”Some other signs include your pet not being able to separate themselves from you when you go to other rooms in the house.If they damage things at home whenever you're away for short periods of time, Romine says they’re not angry, they’re panicked.If you're headed back to work soon, a few things you can do to ease their anxiety is practice going away for a while, practice crate training. When you return home, try not to make a big deal out of it.“It’s a completely natural instinct to greet our dogs that are just thrilled to see us,” said Romine. “We're just as thrilled to see them and coo over them, but that really just makes it a huge highlight when you leave and come back, so the general recommendation when you leave and come back is to greet them briefly and then try and let them calm down.”Reward calm behavior. Sometimes medication may help. Talk to your veterinarian about this. 1621

Spending cuts to schools, childhood vaccinations and job-training programs. New taxes on millionaires, cigarettes and legalized marijuana. Borrowing, drawing from rainy day funds and reducing government workers’ pay.These are some actions states are considering to shore up their finances amid a sharp drop in tax revenue caused by the economic fallout from the COVID-19 pandemic.With Congress deadlocked for months on a new coronavirus relief package, many states haven’t had the luxury of waiting to see whether more money is on the way. Some that have delayed budget decisions are growing frustrated by the uncertainty.As the U.S. Senate returns to session Tuesday, some governors and state lawmakers are again urging action on proposals that could provide hundreds of billions of additional dollars to states and local governments.“There is a lot at stake in the next federal stimulus package and, if it’s done wrong, I think it could be catastrophic for California,” said Assemblyman Phil Ting, a Democrat from San Francisco and chairman of the Assembly Budget Committee.The budget that Democratic Gov. Gavin Newsom signed in June includes .1 billion in automatic spending cuts and deferrals that will kick in Oct. 15, unless Congress sends the state billion in additional aid. California’s public schools, colleges, universities and state workers’ salaries all stand to be hit.In Michigan, schools are grappling with uncertainty as they begin classes because the state lacks a budget for the fiscal year that starts Oct. 1.Ryan McLeod, superintendent of the Eastpointe school district near Detroit, said it is trying to reopen with in-person instruction, “but the costs are tremendous” to provide a safe environment for students.“The only answer, really, is to have federal assistance,” McLeod said.Congress approved 0 billion for states and local governments in March. That money was targeted to cover coronavirus-related costs, not to offset declining revenue resulting from the recession.Some state officials, such as Republican Gov. Eric Holcomb of Indiana, are pushing for greater flexibility in spending the money they already received. Others, such as Republican Gov. Mike DeWine of Ohio, say more federal aid is needed, especially to help small businesses and emergency responders working for municipalities with strained budgets.In mid-May, the Democratic-led U.S. House voted to provide nearly trillion of additional aid to states and local governments as part of a broad relief bill. But the legislation has stalled amid disagreements among President Donald Trump’s administration, Republican Senate leaders and Democrats over the size, scope and necessity of another relief package. In general, Republicans want a smaller, less costly version.The prospects for a pre-election COVID-19 relief measure appear to be dimming, with aid to states and local governments one of the key areas of conflict.The bipartisan National Governors Association and Moody’s Analytics have cited a need for about 0 billion in additional aid to states and local governments to avoid major damage to the economy. At least three-quarters of states have lowered their 2021 revenue projections, according to the National Conference of State Legislatures.While Congress has been at loggerheads, many states have pressed forward with budget cuts.Wyoming Gov. Mark Gordon, a Republican, recently announced 0 million of “agonizing” cuts that he described as “just the tip of the iceberg” in addressing a billion budget shortfall caused by the coronavirus and declining revenue from coal and other natural resources. The cuts will reduce funding for childhood vaccinations and eliminate a program to help adults learn new job skills, among other things.“It is not likely that these trends are going to turn around rapidly or as significantly as we would like,” Gordon said.In August, Rhode Island Management and Budget Director Jonathan Womer sent a memo to state agencies instructing them to plan for a 15% cut in the fiscal year that starts next July.In some states, however, the financial outlook is not as dire as some had feared earlier this year.Previous federal legislation pumped money into the economy through business subsidies, larger unemployment benefits and ,200 direct payments to individuals. The resulting consumer spending led to a rebound in sales tax revenue in some states. Many states also delayed their individual income tax deadlines from April to July, which led to a larger than usual influx of summer revenue from taxpayers’ 2019 earnings.In Vermont, where lawmakers are expected to work on a budget next week, a deficit that some had feared could reach 0 million now is pegged around million. A predicted 8 million shortfall in Arizona for the current fiscal year has been revised to just million.Local governments in New Mexico said revenue has been propped up by surprisingly strong sales taxes. But “that sugar high from the federal stimulus will fall off, and our communities will be affected,” said A.J. Forte, executive director of the New Mexico Municipal League.New Mexico Gov. Michelle Lujan Grisham, a Democrat, is urging the Legislature to legalize and tax recreational marijuana as a way to shore up state revenue. Democratic Pennsylvania Gov. Tom Wolf also wants the Legislature to legalize marijuana, with the tax revenue going toward grants for small businesses and criminal justice reforms.State tax revenue often lags economic trends because individuals’ income losses aren’t reflected on tax returns until months later. As a result, experts warn that states might experience the lagging effects of the recession well into their 2021 and 2022 budget years.“The worst is still yet to come,” said Brian Sigritz, director of state fiscal studies at the National Association of State Budget Officers.The 2021 fiscal year began July 1 in most states. But seven states have yet to enact a full-year budget, in some cases because they have been waiting for congressional action on another relief bill.One such state is New Jersey, which shifted the start of its budget year from July to October because of the coronavirus pandemic. Democratic Gov. Phil Murphy recently proposed a budget that would slash about billion in spending, take on billion in debt and raise taxes on millionaires, businesses, yachts, cigarettes and health insurance plans.Murphy has said the initial federal aid didn’t provide enough “to deal with the variety of tsunamis that we’re facing.”In New York, Democratic Gov. Andrew Cuomo’s administration estimates the state will receive about billion less in tax revenue than once expected this fiscal year. Cuomo, who recently became chairman of the National Governors Association, wants Congress to provide an additional billion to New York to plug budget holes that he warns will compound in coming years.“There is no combination of savings, efficiencies, tax increases that could ever come near covering the deficit,” Cuomo said, “and we need the federal government to assist in doing that. Period.”___Associated Press writers Adam Beam in Sacramento, California; Mike Catalini in Trenton, New Jersey; Bob Christie in Phoenix; Tom Davies in Indianapolis; David Eggert in Lansing, Michigan; Mead Gruver in Cheyenne, Wyoming; Morgan Lee in Santa Fe, New Mexico; Marc Levy in Harrisburg, Pennsylvania; Wilson Ring in Stowe, Vermont; Andrew Taylor in Washington; Andrew Welsh-Huggins in Columbus, Ohio; and Marina Villeneuve in Albany, New York, contributed to this report. 7577

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