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A wedding is supposed to be the most beautiful day in a couple's life. But for thousands of couples this year, it's become a nightmare, because they have to cancel their reception, and couples are finding they can't get a refund due to the contract they signed months ago with their reception venue.Kristina Finley's dream wedding was scheduled for May 30, until COVID-19 and her governor changed her plans.Despite a state shutdown of big events, her mother, Becky Finley, said her daughter can't get her money back from her venue."She asked for a refund, and they said actually my daughter owed them the second half of the payment," Finley said.The wedding venue still has their ,500 deposit, half the total cost of the ,000 wedding and reception, the family said.It offered new dates next year, but Finley's daughter does not want to wait, and instead she has selected a small church wedding and backyard party for the original date."My daughter picked May 30, 2020. All the invitations, the pre-engagement announcements, everything had that date on it," Finley said. "And she said, 'I've been waiting a year for this, and I'm not going to reschedule.'"Rules vary by venueWhen it comes to weddings and other events, every event center has different rules.Some will give brides and grooms a refund if there is no other option, owner Drew Hester said.Drew Hester, owner of one hall, said that unlike many other halls, he has given full refunds to several brides, and he took the financial hit. "I just believe in karma. I believe in good," he said. "The emotional loss for them has been awful. You work with these brides for a year, and now they are devastated. And on top off that I am not going to say, 'You lost ,500, sorry.'"But many wedding contracts do not allow refunds; only credits toward a future date.What you can doForbes Magazine said many brides and grooms are facing thousands of dollars in losses this year due to canceled weddings. It suggests people:Request a refund as soon as possible; do not wait for the date to approach.Ask if you can get a discount for a smaller gathering, if they are still open.If they refuse a refund or discount, dispute the charge through your credit card if you paid the deposit that way.File a complaint with the Better Business Bureau.If all else fails, contact a lawyer, who for a few hundred dollars can examine the contract and send a letter to the center explaining that since this is an "act of god," the contract should be null and void.Finley hopes to get something back, and said her daughter is just heartbroken having to cancel her dream reception."It's what every little girl dreams of, and it just fell apart," she said,One other option: Some reception centers have gardens where you can move everything outdoors, and where, if allowed by local laws, you can still have that dream wedding.________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps"). 2977

All four crew members aboard a cargo ship that capsized off the coast of Georgia have been rescued, the Coast Guard said Monday.Cpt. John Reed of the US Coast Guard said the first three rescued crew members were hospitalized, but were doing well considering the circumstances. The condition of the fourth crew members is unknown.The Coast Guard had been working since early Sunday to rescue four South Korean crew members that were on the ship when it tipped onto its side in St. Simons Sound.Complicating efforts are the size of the 656-foot ship and the fact it has watertight doors, numerous compartments and no power, Coast Guard Petty Officer 1st Class Luke Clayton said.A call for helpThe first dispatches from the ship came at around 2 a.m. Sunday, VanderWeit said.South Korea's Foreign Ministry said the ship began "listing heavily," about 80 degrees, to the port side before overturning. Help arrived about two hours after the first call came in, VanderWeit said.Twenty members of the crew were rescued around 4 and 5 a.m., VanderWeit said. They exited via various parts of the vessel, which posed a challenge in getting them off the ship.Some crew members were hoisted onto helicopters while others were lowered — in some cases by fire hoses — onto boats, VanderWeit said.Fires broke out on the ship, preventing rescuers from continuing their efforts to save the remaining four crew members, said Capt. John Reed, commander of the Coast Guard Sector Charleston."As smoke and flames began to appear our crews, along with the Glynn County heavy rescue team, assessed that the situation was too risky to further go inside the vessel to attempt to locate the four individuals who remain missing at this time," Reed said.The Coast Guard remained on the scene, trying to stabilize the ship, and they continued to search the waters surrounding the vessel, VanderWeit said.The ship, sailing under the flag of the Marshall Islands, was bound for Baltimore, where it was expected to arrive Monday, according to 2023

A study conducted by Lending Tree said that the average American spent 8.44 on supplies to prepare for a coronavirus outbreak. As of March 13, 63% of Americans purchased supplies to prepare for coronavirus. Of the 63% who said they are stockpiling in preparing for coronavirus, the most popular items purchased include: Cleaning supplies: 77%Food: 69%Paper products, such as toilet paper: 68%Water: 62%Medication or vitamins: 47%Alcohol: 24%Entertainment, such as books or movies: 13%Office supplies: 6%Although millennials reportedly spent the most in preparing for the coronavirus, baby boomers were most likely to stockpile on paper products. The study found that parents spend 9.83 while non-parents spent 1.12.The study also found that 39% of Americans have seen their wages decreased due to coronavirus. Simply put, Americans are spending more while making less because of the virus. The study gathered responses from 1,050 Americans, including 664 who purchased supplies as of March 13, 2020. More info on the study can be found 1057

An 11-year-old boy originally from Wisconsin found dead in California. His mother, Shelly Lopez, who lives in Milwaukee, said she found out from news reports. Now, investigators are calling Roman Lopez's death suspicious. 233

A phone bill for more than 0,000. That’s what Dr. Rosa Galvan-Silva’s dental office received from AT&T for hundreds of international calls she said she never made.In 40-plus years of dentistry, about 30 at her office in South Holland, Illinois, Galvan-Silva still hasn’t seen it all.“Something is really wrong,” she said about receiving an ,224.32 bill from AT&T, the first of two monstrous phone bills.The bill said her office made more than 100 calls – some as long as two hours – to the United Kingdom in late July and early August.“Oh my goodness, somebody’s talking a lot to the UK, but it’s not us,” she said. “They’re having good conversations there.”Galvan-Silva said she called AT&T and the company came out to investigate, but couldn’t figure out the problem. She said the calls are still tying up her phone lines–with problems happening as recently as last week.“We’re hurting. You know, we’re losing business,” she said.The bill showed many of the calls happen hours before her office opens, but not all of them.“When we come in the office, all the lines are busy. We cannot receive any phone calls. We cannot make any phone calls,” she said. “My staff are all here, and I’m with them. So it’s no way somebody’s gonna be making those phone calls here without me knowing.”Instead of ,000, she paid her typical bill of about 0. She did the same thing after the next bill came, totaling 3,576.05.That bill showed three phone lines tied up at the same time on the morning of Aug. 19. Those calls cost hundreds of dollars each.It appears Dr. Galvan-Silva’s phone system was accessed by fraudsters who made the unauthorized calls.She got a letter from AT&T’s fraud resolution group on Oct. 22, offering a settlement agreement, asking her to pay the company just 1 plus fees and taxes.The letter didn’t say why she would pay that amount, and she said she shouldn’t owe a penny.After AT&T was contacted, the company agreed to wipe away the bogus international charges.But Dr. Galvan-Silva says no one has told her whether the issue is fixed.“It is frustrating, because we are trying to do whatever we can on our part. Our equipment has been checked, we made all the phone calls that we have to make, and still we don’t have any resolution,” Galvan-Silva said. 2313