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CLEVELAND - This story proves just about anyone can get scammed. A man from Oberlin, Ohio said even though he's an experienced buyer and seller of cars online, criminals got him."You never thought you'd be a victim of a scam like this,” we asked Derrick Macarthy. “Never,” Macarthy told us.He isn't some dumb guy who fell for a scam. “The eBay Motors page looked official,” he remembered.Macarthy was looking for a van, found one on Craigslist. It was 00 and to him that’s a lot of money. "I don't have 00 to just throw away," he told us.The seller sent him a note saying the husband supposedly died 5 months ago. "They told me they had just moved to another state and that they were dealing with eBay Motors," said Macarthy.He wasn't familiar with eBay Motors, but he went to Rite Aid anyway. He bought a half-dozen eBay gift cards and gave the crooks the numbers. Then, he even got a message from them saying "I'm sure you will love this car...take good care of it…I loved this car very much.""They're good, huh?” we asked.“They are. So, buyers beware," Macarthy replied.Beware because Macarthy got another message 30 minutes later saying they needed a thousand dollars more to ship the car to him. Macarthy knew, though, the ad said no shipping fee. So, the red flags went up and called eBay."When you hear, 'You've been scammed,' what goes through your mind?” we asked him.“I just hit the floor,” said Macarthy. He was devastated. He has a family that needs a van. Plus, he never suspected anything because he's bought and sold cars with honest people on Craigslist in the past. "I put the ad on there. (Buyers) responded. Money, title, and keys were exchanged and everybody was happy. (That’s) not how it happened this time."Macarthy said he went to local police but they don't have the resources to track down the scammers who stole his money. "I wish there was some way to get that back,” he told us.eBay Motors has a big warning that even highlights Craigslist for scams like this. The examples include scammers using eBay gift cards.The Better Business Bureau also has warnings and advice.Macarthy has his own suggestions for you. "Things can look very, very real and be the total opposite. So, just be careful."eBay Motors suggests you tell the seller that you'll pay when you pick up the car. And watch out for sellers wanting quick payments through gift cards, wire transfers, or re-loadable money cards.  2436

CLEVELAND — Who’s been at a store buying holiday gifts and then the cashier asks, “do you want to sign up for our credit card today?” They might offer a discount or something else, but should you sign on the dotted line?“They make it easy. They really make it easy,” Leanne Smith said.Smith is from Solon and knows how stores can tempt you with their credit cards, but she’s sticking to her Target Red Card for now.“I don’t think it’s a responsible thing for me to have one at every store,” she said.Tedd Rossman from CreditCards.com said that if you ever plan on carrying a balance, store cards aren’t going to be the best option for you.“While sometimes these store cards can work for you, most of the time, they’re not the most consumer-friendly option,” Rossman said.That’s because Rossman says the average store credit card has an interest rate of 25%, some as high as 29.99% such as Discount Tire, Big Lots and jewelry store cards like Kay Jewelers.“These cards are not as selective about credit quality, which is why the retailers and their bank partners say they have to charge such high-interest rates,” Rossman said.CreditCardInsider.com recently rated various popular store cards based on various things like interest rates.Here are those results:Target - 24.4%Old navy - almost 26% (25.99%)Walmart - roughly 18-27% (17.99%-26.99%) interestNathan Grant from CreditCardInsider.com said you shouldn’t just sign-up at the checkout on a whim even if there’s a discount offered or cashback incentives.“The percentage of interest you’re paying might end up calculating to be more than what you got from spending on the cards,” Grant said.According to Grant, some of the better retailer cards are:Amazon prime cards with lower interest rates—5% back on Amazon purchases and gift cards when you sign up. Target—higher interest rate, but 5% back. And the only one rated excellent is Costco’s card, which has a 15% rate and various cash back options and good rewards on gas purchases.But keep this in mind: In a survey of nearly 3,000 shoppers nationwide, more than 40% said they regretted signing up for a retail credit card. Plus, one out of five in the survey said they carried a balance from the last holiday season, and more than 50% said they’ve paid interest on a retail store card.“That’s kind of like a wake-up call even to myself to be like I got to make sure that I’m always smartly shopping if I’m using credit cards,” Grant said.For Smith, she said she’s only carried a balance a couple of times in the past 20 years because she knows “if you can’t pay it, you really shouldn’t buy it just because you have a credit card.”Retail credit cards can give you benefits especially if you’re loyal to the business. It could help you build credit, but you’ll want to pay off your balances every month and spend responsibly.And another thing to watch out for is deferred interest. Even if you owe just one dollar by the time the term ends, you could end up paying interest on the entire amount you initially financed.This story originally reported by Jonathan Walsh on News5Cleveland.com 3102

CLEVELAND - What's more awesome than watching elephants at the Cleveland Metroparks Zoo? How about watching elephants chow down on a 1,300-pound pumpkin to kick off the second weekend at Boo at the Zoo.Boo at the Zoo is an annual fall event, currently in its 29th year. The event gives visitors a chance to watch all of their favorite animals being fed, attend a Monster Mash Dance Party, or take part in Trick or Treating and other family-friendly activities.  479

Come on, let Fido up on the bed — you could get a better night's sleep as a result.Researchers say women who share their beds with dogs get a better night's rest.According to the study in the Journal of the International Society for Anthrozoology, female dog owners reported less disturbed sleep while also experiencing greater feelings of comfort and security.It's important to note, however, these results are based on self-reported data and not an objective measure.But bad news, cat owners: the study found women who slept side-by-side with their feline friends did not report the same sleep benefits. 618

Cori Bush, a onetime homeless woman who led protests following a white police officer’s fatal shooting of a Black 18-year-old in Ferguson, has ousted longtime Rep. William Lacy Clay in Missouri’s Democratic primary. Bush’s victory came in a rematch of 2018, when she failed to capitalize on a national Democratic wave that favored political newcomers such as Bush’s friend, Rep. Alexandria Ocasio-Cortez. But this time around, Bush’s supporters said protests over George Floyd’s death and outrage over racial injustice finally pushed her over the edge. An emotional Bush, speaking to supporters while wearing a mask, said few people expected her to win.“They counted us out,” she said. “They called me — I’m just the protester, I’m just the activist with no name, no title and no real money. That’s all they said that I was. But St. Louis showed up today.”Bush’s campaign spokeswoman, Keenan Korth, said voters in the district were “galvanized.”Missouri’s 1st Congressional District, which which encompasses Ferguson, has been represented by the 64-year-old Clay or his father for a half-century. Bill Clay served 32 years before retiring in 2000, when William Lacy Clay was elected. 1191