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A frightening bank scam now allows thieves to get right into your checking account, and even savvy people are falling for it.All they need is:Your cellphone numberA bank account that is compatible with the Zelle money transfer system.You assuming that it's really your bank on the phoneIt just happened to one man in Ohio, who showed how thieves can now con their way into getting thousands of dollars from your checking account.Damon Lander runs a university biology lab. As a university employee, he's not the type of person who would fall for a phone scam — until this one."The other evening, I got a phone call from what I thought was Fifth Third Bank," he said.With his caller ID showing his bank's number, Lander answered the phone, and immediately worried when the caller explained he was with the bank's fraud department."He told me they had detected fraud in my account, and they were going to help me take care of that, and set up security measures, and take care of the fraudulent charge," Lander said.It all sounded perfectly legitimate. So he did what the phone rep instructed, such as entering a verification code on the log-in page on the bank's app.The caller promised to lock the account, and issue him a new debit card. Lander thought everything was taken care of.But within a few minutes, Lander says, he got a strange text from the bank."My user ID had been removed," he said.A few minutes later, he got more alerts from the bank, and that's when he really started to worry."They changed my username, my password, my card PIN and set up a Zelle account."Scammers open Zelle accountLander had never used Zelle before, but it is a money transfer app similar to Venmo that is automatically offered to customers at almost a dozen big banks around the country, including Bank of America, Key Bank, Chase and Fifth Third.Suddenly, Lander watched helplessly as another text alerted him that his brand new Zelle account sent ,000 to a disposable cellphone number."They transferred funds to someone I've never met before," he said,Panicking, he called the bank's customer service number, where he learned the bank had not initiated any fraud call.In fact, to Fifth Third, it appeared that he had made all the changes to his account since he entered a verification code that essentially gave the keys to his account to a scammer.Why this scam is so worrisomeWhat's scary is that this scam doesn't require a thief to gain access to your ATM card or a blank check they found somewhere, as bank theft required in the past.All it takes is a text or call claiming to be from your bank's "fraud department" and they can get into your account. Once there, they can now use Zelle to quickly get money out of it. 2727
"We all do have freedom of speech, but at times there are ramifications for the negative that can happen -- when you're not thinking about others, you're only thinking about yourself."That quote should forever be an asterisk attached to the on-court legacy 269

A former top White House official on Thursday delivered a full-throated rebuttal to the "fictional narrative" pushed by President Donald Trump and his GOP allies, while a US diplomat in the Ukrainian embassy provided impeachment investigators with a firsthand account of the President asking for an investigation of his political opponent.Fiona Hill, who served as Trump's top Russia adviser until she left the administration this summer, warned the House Intelligence Committee as part of the impeachment inquiry's last scheduled public hearing that the Kremlin is prepared to strike again in 2020 and remains a serious threat to American democracy that the United States must seek to combat."Based on questions and statements I have heard, some of you on this committee appear to believe that Russia and its security services did not conduct a campaign against our country — and that perhaps, somehow, for some reason, Ukraine did," Hill said. "This is a fictional narrative that has been perpetrated and propagated by the Russian security services themselves."Hill is testifying on Capitol Hill on Thursday alongside 1132
A 14-year-old girl was arrested and charged with murder after police say she tied down and killed a 59-year-old Philadelphia man known for his animal rescue efforts.Philadelphia police said they responded early November 5 to a report of a man in distress. Police entered the home and found a man, later identified as Albert Chernoff, partially tied to the bed with a massive head wound and several slashes to his chest. He was pronounced dead at the scene.A female was seen leaving the property before police arrived, and police released surveillance video from inside the home in an attempt to identify her. The girl, who is 14, arrived with her mother and two defense attorneys to turn herself in, police said.She was arrested November 8 and a preliminary hearing is scheduled for November 27, court documents show. Given her arrest, the surveillance video has since been removed, police said.Police have not named the girl.Jane Roh, a spokeswoman for the Philadelphia district attorney, said officials have not decided whether to proceed in juvenile or adult court.One of the teenager's attorneys, Howard Taylor, told CNN the girl is currently in juvenile detention."It's a very sad situation. Troubled girl. There's a reason police aren't saying much," Taylor said. "There's a lot more to it."When asked whether she was a victim, he said he "wouldn't put it to that extent," but added that "he wasn't totally innocent, either."Chernoff was a well-known animal rescue advocate in Philadelphia. In the wake of his death, the makers of the documentary film " 1571
1) When does daylight saving time end?Daylight saving time ends Sunday, November 3 at 2 a.m. when clocks will fall back one hour to 1 a.m. This means that sunrise and sunset times will be one hour earlier starting Sunday. It also means that there will be an extra hour to sleep Sunday morning. 2) Who is affected?Almost all Americans, except for those in Hawaii, most of Arizona and U.S. territories, will need to make sure their clocks move back an hour. Many electronic devices, such as televisions, computers and smartphones, will automatically move back. Non-digital clocks will need to be reset manually.3) Why is daylight saving time necessary?Depending on whom you ask, it is not. What daylight saving time does is shift an hour of daylight from the morning to the evening. Governments implemented daylight saving time as a measure to conserve energy. While Americans conserve some energy in the evening with more daylight, research has found that the benefit is negated by increased energy usage in the morning.4) Why not have daylight saving time year round?It has been tried before. Most recently, President Richard Nixon implemented year-round daylight saving time in 1974 as America was affected by an energy shortage. The act ended in 1975 as Congress established a standard practice for daylight saving time, allowing for winter mornings to have more daylight, so more people could go to work and school in the daylight.Also, the legislature in Florida approved year-round daylight saving time in 2018, but the proposal needs approval of Congress. Several other states are also considering petitioning Congress to eliminate daylight saving time.5) What is the history of daylight saving time?Many consider Benjamin Franklin as the inventor of daylight saving time, though he only suggested that Parisians wake up earlier to enjoy more of the daylight, and to conserve candle wax. According to the University of Washington assistant professor of economics Hendrik Wolff, Germany during World War I was the first nation to implement daylight saving time. The practice spread to America during World War II. The European Union voted earlier this year to end daylight saving time as soon as 2021. Member nations could decide to move its standard time up an hour, effectively making it daylight saving time year-round. 2340
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