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The Better Business Bureau (BBB) is warning the public about fake social media giveaways, where scammers use a technique called “like-farming.”The scam involves posts on Facebook, Instagram or other platforms that ask you to like or comment to enter for the chance to win something, like 0 in groceries for example.The catch is that many of these giveaways don’t actually exist. They’re created by scammers as a way of accumulating as many social media interactions as possible, according to the BBB.Once the scammers have garnered enough likes or comments, the BBB says they’ll edit the post and add something malicious, such as a link to malware.Other times, the BBB says the scammers will strip the original content off the page that has garnered likes and use it to promote “spammy” products or sell it on the black market.While these phony giveaways exist online, so do legitimate ones. The BBB has offered these tips to decipher which are real and which are fake:Look for the blue checkmark. Many social media platforms verify pages from brands and celebrities so that users can tell real pages from copycats. Make sure you look for that trust mark before liking and sharing content.Watch out for new accounts: If you think a giveaway is real, click on the business or celebrity’s profile. If it’s a new account with very little other content, that’s a big red flag.Look out for spelling errors and typos: Real brands use giveaways to promote their company. Spelling errors and typos will make them look bad! They are a big warning signs of a scam.The giveaway asks you to complete too many tasks: If a giveaway asks you to comment on multiple posts, follow several accounts, and tag a couple of brands, it becomes almost impossible to keep track of everyone participating and pick a winner at random (as required by law).There are no terms and conditions. Online giveaways should include contact details of the organizer, how to take part, how the winner will be selected, and eligibility requirements. If you don’t see information, that’s an instant red flag.Don’t click “like” on every post in your feed. Scammers are counting on getting as many mindless likes as possible, so be sure you only “like” posts and articles that are legitimate. Don’t help scammers spread their con. 2298

Taylor Swift?is helping a fan of hers in need.The singer donated ,500 to a GoFundMe page that is raising money for the family of a mother, Lauriann Bartell, who has been in a coma for the past three years.Bartell's 19-year-old daughter, Sadie Bartell, tweeted a link to the GoFundMe page and said that her mother went into a coma two days before she went to see Swift in concert. "Hey guys. I'm really nervous to post this. Please help if you can and pray for my family. I'm sorry I never said anything sooner and that I'm suddenly asking for help. I love you guys so much," she wrote in a message she posted with the tweet.She added, "I'm grateful to Taylor for keeping me afloat through it all."Swift made the donation to the online platform over the weekend with the message, "Love, Taylor, Meredith and Olivia Swift." Meredith and Olivia are her two cats.Bartell took to Twitter after Swift's donation and posted a message in disbelief. "Taylor really actually donated to me and followed me and liked my thank you to her like that actually happened it's my life it's real," she tweeted.She went on to post a more lengthy message on Facebook, "Everyone who knows me knows that Taylor Swift is my whole entire life. She has been there for me more than anyone. I really, truly, would not be who I am without her. Today she read my family's story online and out of the goodness of her heart donated to us. She shows up every time I need her. She always has and she always will. I wish that I could express how much it means to me that ANYONE has helped my family over the years, let alone Taylor."Bartell added, "She is the light at the end of the tunnel and is truly the best thing that has ever happened to me. I will never be able to comprehend this. She is a miracle in herself. She just gave my family exactly what we need to carry on. This sounds so composed and so collected but in reality I've been crying for hours and my hands are shaking so hard I can barely type this. Taylor Swift, I love you more than I could ever say. Thank you for this. And for everything else. Forever on your side and thanks for being on mine."CNN has reached out to Swift's representative for comment. 2204

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

The 49-year-old son of a prominent Macomb County, Michigan judge faces first-degree murder charges in the death of his father, whose body was found on a Florida golf course. Police said James Scandirito Jr. quickly became a suspect in the case after he called the Boca Raton police on April 1 to report his father, James "Skip" Scandirito Sr., missing. The son said his father never returned home on March 31, but Scandirito Jr.'s story had inconsistencies, according to police. Scandirito Sr.'s body was later discovered at an abandoned golf course in Boca Raton. The Alachua County police arrested Scandirito Jr. after he was seen driving his vehicle with stolen license plates. He's being held without bond in his father's death. Scandirito Sr. represented Harrison Township on the Macomb County Board of Commissioners in the 1990s and was later elected to serve as a judge in 41B District Court in Mount Clemens.  1000

Stormy Daniels released a composite sketch on Tuesday of the man she alleges threatened her in 2011 and is offering a 0,000 reward to anyone who can identify the perpetrator.The disclosure of the drawing and the announcement of the monetary reward on ABC's "The View" mark yet another theatrical twist in the dramatic public feud between the porn star and President Donald Trump. Daniels alleges that she had a sexual encounter with Trump in 2006 and that she signed a secret agreement just days before the 2016 election in exchange for the promise to stay quiet about the alleged affair. She is now suing Trump in the hopes of voiding that agreement.The development also comes at a grave moment for a key figure in the Daniels saga -- Trump's longtime personal lawyer, Michael Cohen. Cohen claims to have orchestrated the non-disclosure agreement with Daniels and says he used 0,000 of his own money to pay her off. Last week, the FBI raided Cohen's home, office and hotel room in New York City. Sources said authorities seized information related to Stephanie Clifford, Daniels' legal name, and that the search included bank records.Daniels, recounting the alleged 2011 incident on "The View," said that what she remembers "so clearly about him was that nothing looked alarming about the way he looked at first."At the top of the sketch, it states that the man is between 5'9" and 6' tall, between his 30s and early 40s, and with a lean but "fit" body type.Daniels says the alleged threat took place in 2011, shortly after she had agreed in May of that year to sell her story about Trump to a magazine for ,000. In a previous interview with Anderson Cooper on CBS' "60 Minutes," Daniels said she was in a Las Vegas parking lot preparing to head into a fitness class when a man approached her and her infant daughter."A guy walked up on me and said to me, 'Leave Trump alone. Forget the story,'" Daniels told "60 Minutes." "And then he leaned around and looked at my daughter and said, 'That's a beautiful little girl. It'd be a shame if something happened to her mom.' And then he was gone.""I was rattled," she added. "I remember going into the workout class. And my hands are shaking so much, I was afraid I was going to drop her."On "The View," Daniels said one of the main reasons she did not go to the police after the incident was that she had not disclosed her alleged affair with Trump to her husband and was "embarrassed."Daniels' lawyer, Michael Avenatti, said on "The View" he and Daniels think they know who sent the man who allegedly confronted her, "but we want to confirm it."Avenatti has told CNN that the person who made the threat was not Cohen or Trump's longtime bodyguard, Keith Schiller.Cohen's attorney has denied that his client had any involvement in or knowledge of the threat.Daniels said she never went to the police about the incident and never saw the man again, but that she is certain she would be able to recognize him."I would know it right away," she said. "Even now, all these years later. If he walked in this door right now, I would instantly know."The sketch was drawn by Lois Gibson, a forensic artist whose bio claims that she has helped law enforcement identify 700 criminals with her sketches.Following federal investigators' seizure of Cohen's documents last week, Trump's lawyers had asked that they get a chance to first review all documents and decide what should be off-limits due to attorney-client privilege. Cohen's lawyers, meanwhile, sought a temporary restraining order to prevent investigators from reviewing the material and requested that a third party special master decide what investigators can see..A judge on Monday announced that Cohen's lawyers will get a chance to review the seized materials and declare what they think should be protected under attorney-client privilege and that Trump's lawyers could similarly weigh in on records relevant to the President. But the judge is still considering whether a special master or an independent team at the US attorney's office in New York would decide what investigators can review.The-CNN-Wire 4123