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Your phone can do so many things for you nowadays. From making payments at the cash register to searching social media, the world is in the palm of your hands. But Siri can also be on your side in case you get pulled over by the cops.The feature is called "Police" and it is available via the Siri Shortcuts app. It secretly allows you to record interactions with police by just speaking a command to Siri like, “Hey, Siri. I’m being pulled over by the police.”“I think it’s a tool that citizens need in order to make police accountable,” said retired Detroit police officer turned attorney, David A. Robinson.The new Siri shortcut is available for Apple iOS 12 devices. It allows you to secretly record conversations between you and law enforcement.“What we have seen are video captures of police officers losing it, irrationally starting confrontations with citizens,” Robinson said.Once the app receives a verbal command, it goes into "do not disturb" mode. It automatically turns down brightness, pauses sound or video and can send a message to a pre-selected contact, letting them know you’ve been pulled over.“Police go to an academy as to how to deal with citizens, and so to suggest that (the app) is manipulating an officer, that really doesn’t make sense,” Robinson said.He adds that the app would have been good to have during the 2016 confrontation between Philando Castile and a Minnesota police officer after Castile was shot by the cop. Castile's girlfriend recorded the whole thing as he died in the front passenger seat.“What was captured in the video, and so the video evidence becomes that more important,” Robinson said.Some say the app is controversial, but there are similar police-recording apps like "ACLU Blue." Robinson says law enforcement should use the app as a tool. “That would stifle his reaction to make him do the rational thing, the right thing, the legal thing, then that prevents harm to him and prevents harm to the citizen,” Robinson said.The ACLU says it is legal to record officers in public, and police are not allowed to delete your footage, confiscate or demand to view your video footage without a warrant. 2189

You’ve decorated the tree, put up the lights and placed a lit candle in every window. But the next thing you know, you smell smoke.Candle fires, stolen presents and other calamities can put an unwelcome damper on your seasonal cheer, but insurance can often help clean up the mess. Here are some common holiday disasters and how your homeowners insurance can come to the rescue.1. Decorations catch fire“Chestnuts roasting on an open fire” takes on a whole new meaning when the halls are decked with fire hazards. Dehydrated Christmas trees can go up in flames if placed too close to a heat source, and fires from candles make up half of December home decoration fires, according to the U.S. Fire Administration.Fire is covered in three main ways. Dwelling coverage pays for repairs to your home, while other structures coverage is for things like a detached garage or fence. Personal property coverage will pay to replace damaged belongings, up to your policy limits.To avoid festive fires, keep candles away from flammable objects, follow all manufacturer instructions for holiday lights outside and keep a real Christmas tree hydrated.2. Your identity gets stolenIf you’ve shopped online for holiday gifts this year, your credit card or bank account information may be at risk of getting stolen.Identity theft coverage can pay for out-of-pocket expenses related to identity theft or fraud. Some homeowners insurance policies automatically include this coverage for free, but you’ll probably have to add it to your policy.You can reduce the risk of identity theft from online shopping by avoiding unsecured networks and by purchasing from trusted stores — check for a privacy policy on the site and a padlock to the left of the URL. To protect yourself from potential data breaches, reenter account information with every purchase instead of allowing online vendors to store your information.3. Presents get stolenIf expensive holiday gifts go missing, don’t pout. Your personal property coverage covers items stolen from your home and car, up to your policy limits.To prevent any grinches from stealing holiday presents, avoid letting packages sit unattended and consider setting up a security camera system around your home. If you leave gifts in the car, tuck them away safely in the trunk, lock the doors and park in a well-lit location.If gifts are stolen, file a claim with your insurance company only if their value exceeds your deductible.4. A guest gets injuredSay you undercook the turkey and send relatives to the hospital. Maybe someone breaks a hip on your icy walkway, or the dog bites a guest. You could end up on the hook for their medical costs.The medical expense coverage in your home insurance policy pays to treat your sick or injured guests, no matter who’s legally responsible, while your personal liability coverage will cover you in case they decide to sue.Because of the pandemic, you may be skipping holiday gatherings entirely this year. But if you do host guests, make sure you abide by the guidelines for small gatherings from the Centers for Disease Control and Prevention, or CDC, which include wearing face masks and practicing social distancing.5. A water pipe burstsIf a pipe gets cold enough, water freezes and expands inside, increasing the chance of a burst. Water damage from burst pipes is generally covered by home insurance, but check the fine print in your policy, as you’re covered only if the burst is accidental and not due to poor maintenance.To avoid damage, watch for warning signs of frozen pipes, such as low water pressure or frost on the outside of the pipe. To offset the chance of a water burst:Keep your home’s thermostat set to a minimum of 55 degrees.Open kitchen- and bathroom-sink cabinets to allow for circulation of warmer air.Let water drip from faucets to relieve water pressure.More From NerdWalletGot Life Insurance? You May Not Have EnoughBought a Pricey Present? Here’s How to Insure ItLife Insurance Shoppers Lose Interest When COVID-19 Cases DropBen Moore writes for NerdWallet. Email: bmoore@nerdwallet.com. 4088

and even fraud. The Better Business Bureau says very few platforms fully vet online reviews. It believes at least half of the online reviews out there aren't real. Yet, many of our businesses rely on these reviews to bring in new customers, but fraudsters have learned a bad review is a blemish they can try to use against them. “It was a similar number that kept calling and calling and I thought wow. Then I listened to it and I was kind of taken by surprise," said Margie Keener is a real estate agent in Woodland Park, Colorado.She says someone called her claiming to be a representative of Google. "They were asking for money to take down Google reviews,” said Keener. She didn't think much about it until she looked at her Google review page and discovered a bad review, a review she claims is false. She says at the time the review was posted, she was recovering from surgery and wasn't working much. She noticed the same profile that left her a bad review also left 12 other bad reviews against other area businesses the same day.“So they had done 12 reviews between Florrissant and Colorado Springs and they had hit apartment complexes, they had hit a doctor, they did a construction business, multiple real estate businesses, and pretty much they sometimes just repeated the same review," said Keener. The person on the phone call recording asked Keener to pay ,000 to have the negative review removed. "I’m thinking oh my goodness. That’s a serious scam. That is a lot of money and what are these people going to do?," Keener said.Instead of contacting the number left on her voicemail, Keener reached out to Google directly and was sent to a customer support page. She flagged the comment which Google says can take several days to be evaluated. Her only other option... "You have to get an attorney and a judge issue a court order to take it down,” said Keener. The Better Business Bureau of Southern Colorado says both consumers and small businesses complain about the prevalence of phony online reviews.“One of the statistics that we have is 61% of reviews on Amazon are fake. So, again that's more than half and I think it's pretty safe to say through any platform probably at least 50% of reviews are fake,” said Adah Rodriguez spokesperson for the BBB of Southern Colorado. Consumer protection experts say unfortunately Keener's experience isn't unique, but praised Keener's decision not to do business with anyone demanding money to remove online reviews. "Knowing that more than half of reviews are fake it's hard to know where they're coming from so unfortunately I'm not surprised by it," said Rodriguez. ”Obviously if these fraudsters or these individuals get what they're requesting they're going to continue to do it."After months of reaching out to Google through emails keener says google finally removed the bad review from her page.If you have an issue with a Google review 2912

due to the potential presence of pieces of red plastic and metal that may have been introduced during production.The consumption of hard or foreign objects could cause injury to teeth, mouth, throat, stomach or intestine tissues if swallowed.All three varieties have a "best when used by" date of Dec. 10, 2019.Consumers who purchased the cottage cheese should not eat it and return it to the store where purchased for an exchange or full refund. Consumers with questions may contact the company at 1-866-572-3805 Monday through Friday, 9 a.m. to 6 p.m. Eastern, for a full refund."We deeply regret this situation and apologize to any consumers we have disappointed,” Breakstone said in a statement.This product was sent to retailers and distributors in the U.S and exported to Latin America and was produced and distributed by Kraft Heinz Foods Company.The following is being recalled:Product SizeName of ProductPackaging DescriptionCase Unit Best When Used By Code DateIndividual Package Best When Used By Code DateIndividual Package UPC16ozBreakstone's 2% Milkfat Lowfat Large Curd Cottage CheesePlastic Cup, Plastic Lid, Shrink BandDec10201910 DEC 2019 W4 XX:XX 36-21580 21000 30053 224ozBreakstone's 4% Milkfat Large Curd Cottage CheesePlastic Cup, Plastic Lid, Shrink BandDec10201910 DEC 2019 W4 XX:XX 36-21580 21000 12285 124ozBreakstone's 4% Milkfat Small Curd Cottage CheesePlastic Cup, Plastic Lid, Shrink BandDec10201910 DEC 2019 W4 XX:XX 36-21580 21000 12284 4This story was originally published by Kaylyn Hlavaty on 1531

on Tuesday when an order by the country's Supreme Court went into effect.Though the coronavirus pandemic limited couples to mostly private ceremonies, 153