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The Better Business Bureau (BBB) is warning that the number of online puppy scams has risen sharply in 2020. The rise in scams comes as more families seek to adopt pets to ease the loneliness, tension or boredom associated with the COVID-19 pandemic.Scammers are taking advantage of the rising demand by tricking would-be pet owners into paying hundreds of dollars or more to purchase animals that ultimately don’t exist.The BBB says its Scam Tracker has received nearly 4,000 reports of pet fraud so far this year and the bureau projects it will receive about 4,300 reports by the end of 2020, amounting to approximately .1 million in losses. Last year, there were only 1,870 pet scams reported, amounting to just over million.The BBB says it started to see this spike in scams when the pandemic hit the U.S. in the spring. Accordingly, there were more reports in April than in the first three months of the year combined. This trend is continuing into the holiday season as well. The BBB says it received 337 complaints about puppy scams in 2020, which is a dramatic increase from 77 for the same month in 2019.The median loss reported to Scam Tracker this year is 0 and victims between 35 and 55 accounted for half of the reports.With scammers evolving their tactics during these difficult times, the BBB says consumers should exercise extreme caution when shopping for pets online.Data from the Scam Tracker shows that mobile payment apps like Zelle and CashApp are often being used now, whereas Western Union or MoneyGram wire transfers were popular payment methods documented in a 2017 study. Also, the BBB says pet scammers now commonly use online advertising tools, like sponsored links to boost their fraudulent listings in search results.Additionally, the pandemic has given scammers a new tool in their arsenal. Reports show many fraudsters are telling victims they cannot meet the animals before sending money because of COVID-19. To combat this, experts recommend using video conferencing to meet the animal and owner virtually before buying.Scammers have also made COVID-19-related money requests for items such as climate-controlled crates, insurance and non-existent COVID-19 vaccines.Michelle L. Corey, BBB St. Louis president and CEO, says knowing the red flags associated with these pet scams can help consumers avoid heartache and losing their money.The BBB recommends the following when buying pets online:See the pet in person before paying any money. In light of the COVID-19 pandemic, consider a video call with the seller so you can see the seller and the actual pet for sale. Since scammers are not likely to comply with the request, this may help avoid a scam.Do a reverse image search of the photo of the pet and search for a distinctive phrase in the description.Do research to get a sense of a fair price for the breed you are considering. Think twice if someone advertises a purebred dog for free or at a deeply discounted price … it could be a fraudulent offer.Check out a local animal shelter online for pets you can meet before adopting.BBB urges more law enforcement action against pet scammers.The public should help to educate those looking for pets online by sharing BBB’s tips and study.Click here to learn more. 3267

Students watching the COVID-19 pandemic play out have reason to be wary of taking on additional loans for college. With what could be a slow economic recovery, signing up for an additional bill that comes each month, no matter what, might sound like a bad idea.Federal student loan payments are currently paused. But those repayments are scheduled to resume next year before current students can take advantage of the halt. And while government income-based repayment plans and forbearance can offer a respite for economic hardships, interest still continues to add up. Private loans are even less forgiving and almost always require a co-signer.But there’s an alternative emerging: income share agreements, or ISAs. With these agreements, students borrow money from their school or a third-party provider and repay a fixed percentage of their future income for a predetermined amount of time after leaving school.Depending on the terms of the agreement and the student’s post-graduation salary, the total repaid could be much more or far less than the amount borrowed. It’s a gamble that could be worth it for students who’ve exhausted federal aid and scholarships. Here’s why.No co-signer requiredMost students need a co-signer to qualify for private student loans. Co-signers are on the hook for any missed payment, and a large balance can be a burden on their credit report. As families look to make ends meet, they may need that borrowing leverage for themselves.Income share agreements are co-signer-free. Instead of credit history, students typically get an ISA based on their year in school and major. The best terms are often reserved for students in high-earning majors near graduation, like seniors studying STEM fields. But high earners also risk having to repay a larger amount.If an income share agreement isn’t the right fit for you and you need additional funding without a co-signer, consider a private student loan designed for independent students. These loans are often based on your earning potential and don’t require co-signers. They may also offer flexible repayment options based on salary or career tenure.Unemployment safety netWith an income share agreement, if you’re unemployed — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — you don’t make payments. No interest accrues, and the term of your agreement doesn’t change.That makes these agreements a good option for students in times of economic uncertainty, says Ken Ruggiero, chairman and CEO of consumer finance company Goal Structured Solutions, which is the parent company of student loan providers Ascent and Skills Fund and provides funding for school-based ISAs.“I like the idea of not having to make a payment when you’re going into a recession or right after the recovery happened,” he says.If you’re a junior, senior or graduate student poised to enter the workforce soon, that could make an income share agreement more attractive. Tess Michaels, CEO of income share agreement provider Stride Funding, says she’s seen a significant increase in inquiries since the pandemic forced schools to shut down in March.But freshmen and sophomores have more time to wait out the economic fallout. If you’re further from starting your career, weigh the recession-related benefits of an income share agreement against the risk of giving up a percentage of your future income. Remember, you won’t know the total cost of an ISA when you sign up.But it’s not right for all studentsSome colleges offer income share agreements to all students regardless of major or tenure. Still, many of these programs prioritize upperclassmen, making it harder for freshmen and sophomores to qualify.But an income share agreement might be the wrong move even if you’re graduating soon. If your income is higher than average after graduation, you might pay much more than you received.Let’s say you get ,000 from a private ISA company and agree to pay 9% of your salary for five years. If you earn ,000 a year (the average starting salary for a college graduate) for the length of your term, you’ll repay ,950. That is equivalent to a 10.6% interest rate. In that case, a private student loan could be a better option. Fixed rates on private student loans are hovering around 4%, though independent students will likely pay more.And income share agreements have fewer protections for borrowers than student loans. Tariq Habash, head of investigations at the Student Borrower Protection Center, says that while consumer protection laws apply to these agreements, “ISA providers will say there isn’t really legal clarity because they’re new and different.” He said that he saw the same thing with payday loans and fears ISAs will take advantage of the most vulnerable students.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondCollege During COVID-19: Your Aid Questions AnsweredWhat to Do if There Isn’t COVID-19 Student Loan ForgivenessCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 5166

TAMPA, Fla. — A fallen deputy in Highlands County, Florida will save at least six people by being a registered organ donor.Deputy William Gentry Jr. died at Lee Memorial Hospital on Monday afternoon. He was shot by a suspect while responding to a call in Lake Placid on Sunday. 290

TALLAHASSEE, Fla. — Much like the rest of the country, unemployment rates skyrocketed in Florida at the onset of the COVID-19 pandemic. And while the Florida unemployment rate has fallen somewhat to 7.6%, many in the state are still in need of help and may get it through a program called EB or Extended Benefits.In October alone, more than 10,000 people applied for unemployment in the Tampa Bar area — including 7,338 in Hillsborough County and 3,799 in Pinellas County."We continue to see unemployment problems within our office; it's mostly coupled with eviction notices," said State Representative Anna Eskamani, a Democrat whose district covers the Orlando area.Eskamani has fielded calls from Florida's unemployed since March."We need political back-and-forth to stop. The American people are in desperate need of relief," she said.The regular 12 weeks of benefits for those unemployed only lasted until about mid-June. That's when many applied for PEUC, a 13-week extension that took extended benefits to about mid-September.With the state's unemployment rate remaining above 5% for as long as it has, regular unemployment benefits were extended but haven't been made available yet."They're trying to integrate it into the connect system, which is why they're saying December it's going to be available," Eskamani said.In order for Floridians to get extended benefits — or EB — their PEUC benefits must have been used up between June 7 and Nov. 7."I actually think the gap that's being sent by the US Department of Labor catches most people," Eskamani said.It could, however, have an impact on Disney World employees, many of whom were furloughed or laid off amid an extended park closure. What happens for others seeking unemployment in 2021 is still unclear.Eskamani says that by then, the state legislature should officially be able to file a bill that she and other lawmakers drafted in October, hoping to get claimants more money for a longer period of time."(I want to) increase the benefit amount to 0 — change the sliding scale of what's available to us at the limit of 26 weeks, which is the national average," she said. "Put in place time restrictions for when the (Florida Department of Economic Opportunity) has to get back to you on your eligibility status."Eskamani also hopes to extend benefits to self-employed who are out of work and have the legislature's Oversight Committee hold the Florida Department of Economic Opportunity accountable.She says once the bill filed, she hopes to push the bill into committee hearings. Lawmakers go back for organizational meetings in a week and a half.This story was originally published by Heather Leigh on WFTS in Tampa, Florida. 2705

Sumner Redstone, who built a media empire from his family’s drive-in movie chain, has died. He was 97. Redstone built his operations through aggressive acquisitions, but many headlines with his name focused on his severing ties with wives, actors and executives. In multiple interviews, he said he’d never die.His tight-fisted grip on the National Amusements theater chain, which controls both CBS Corp. and Viacom Inc. through voting stock, has been passed down to his daughter Shari Redstone, who battled top executives to re-merge the two entities that split in 2006. 578