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There’s a growing problem you need to consider if you're thinking about buying a new home security system.Alarm systems for your home are becoming more affordable and available to everyone. But a recent report made by the Consumer Federation of America says that scary sales tactics and false claims are allowing companies to take your money right from in front of you, and the problem is growing across the country.While burglaries in the country are down by nearly 5 percent, the amount of alarm systems is expected to be up 30 percent by 2020."They're starting to see these alarming practices of companies using scare tactics, other kinds of misrepresentations and also failing to really make clear to consumers how much their services are going to cost," says Susan Grant, director of consumer protection and privacy at Consumer Federation of America.The report found companies tried instilling fear in people in order to get them to purchase their system.Other methods used are a little more subtle, but they can be just as deceiving. The report found that companies were often pressuring consumers into deals that were too good to be true."No deal is too good to pass up,” says Grant. “If the deal is good today, it's going to be good tomorrow."There are ways you can protect yourself. Grant says it's best to do your research; never sign anything on the spot. Also, avoid digital contracts that require you to sign on a phone or tab. You should ask for a copy of what you are signing."You want to shop around and see what the costs are of other companies and compare their reputations as well," suggests Grant.Checking the company’s reviews on the Better Business Bureau is a good place to start when choosing the right company.  1749

This year has brought a lot of changes for everyone and there could be a chance that those changes could translate to savings on your insurance policies.Bankrate is encouraging people with home and car insurance to take a fresh look at their policies.“You could save anywhere from a few dollars to a few hundred dollars, but it is going to depend on location, it is going to depend on your lifestyle, and how it has changed vs the past. So, it is worth comparing and really kicking the tires on various insurance policies from different companies,” said Stephen Kates, Insurance Analyst at Bankrate.There are several lifestyle changes that could have happened this year.Many people took on home improvement projects during this pandemic. Some of those may have included adding safety features to our home, which can help save money on home insurance.A lot of Americans are also driving a lot less now, which can help with car insurance.“If you're working from home, like a lot of us, you're probably driving significantly less than you used to and that's something you can bring up to your insurance carrier because that can significantly reduce the amount you pay for your premium,” said Kates.Insurance policies haven't necessarily changed, but the way insurance companies look at lifestyle changes may have changed, so it's worth checking in on your policies. Experts at Bankrate suggest doing so at least once a year. 1429

There are a lot of mixed feelings about COVID-19 vaccines and why people would or would not take one. However, health experts say we'll need them to achieve herd immunity and get back to a more normal life.“There's really a deep empathy for the hesitancy people are feeling. This is a big deal. It's normal to have questions about what's going on and we just want people to get the information they can to make empowered choices for them and their families, so we can really get back to what matters most for each and every one of us,” said Michelle Hillman, Campaign Development Officer at The Advertising Council.The Ad Counsel is the agency behind decades of important messages like "friends don't let friends drive drunk."Now, they are working on likely one of the most important campaigns of this generation, convincing people to take a COVID-19 vaccine.Right now, it's in the early stages of research and won't roll out on TV, radio and online until early next year when a vaccine is more widely available. But you can expect a lot of different spokespeople from doctors and pharmacists, to athletes and musicians.“The messenger in this case is going to be even more important in some ways than the actual message itself,” said Hillman.There will also be variations of the COVID-19 vaccine campaign to address specific groups, like communities of color. They've been more severely impacted by the virus and tend to have more vaccine hesitancy. So, partnerships in the messaging will be important.“We know that you know these on the community level people are already turning to churches and nonprofits and trusted messengers on issues like health care, hope, inspiration and all of them are really going to have to be messengers on this important campaign to break through to get people the information they need,” said Hillman.According to recent Pew research, only about 60% of adults say they would get a vaccine. Health experts have said we would need likely between 70 and 80 % to get close to herd immunity. 2027

Three of America's largest grocery chains, Kroger, Walmart and Wegmans, have joined ALDI and Target in issuing a recall for peaches in connection with a nationwide Salmonella outbreak.On Saturday, Prima Wawona expanded a recall of peaches shipped by the company to include those bagged and loose peaches that had been sold across the country.The new recall includes Kroger stores and its affiliates — including Jay-C, King Soopers, City Market. Fry's, Ralphs, Food 4 Less, Foods Co. and Smiths — as well as peaches sold at Walmart and Wegmans.The possibly contaminated fruit was sold between June 1 and Aug. 3Consumers should not eat the peaches. Instead, the CDC says to throw them away, even if some of them were eaten and no one has gotten sick.Once the peaches have been discarded, health officials suggest washing and sanitizing the places where the produce was stored, like countertops, refrigerator drawers and shelves. The CDC also urged restaurants, retailers, suppliers and distributors not to sell or ship the recalled peaches.The FDA also advises that anyone who doesn't remember when they purchased Prima Wawona peaches or those that aren't sure who supplied their peaches should throw away peaches in their fridge out of an abundance of caution.As of August 19, 2020, CDC is reporting a total of 68 Salmonella cases across nine states.The CDC is investigating to find the source of contamination and to identify other retailers that may have sold tainted peaches.Symptoms of Salmonella infection include:Most people infected with Salmonella develop diarrhea, fever, and stomach cramps six hours to six days after being exposed to the bacteria.The illness usually lasts four to seven days, and most people recover without treatment.In some people, the illness may be so severe that the patient needs to be hospitalized. Salmonella infection may spread from the intestines to the bloodstream and then to other places in the body.Children younger than five years, adults 65 years and older, and people with weakened immune systems are more likely to have a severe illness.If you have Salmonella symptoms, talk to your health care provider, write down what you ate in the week before you got sick, and report the illness to your local health department.Click here to learn more about the recalled products. 2324

Thirteen days before the 2020 presidential election, former President Barack Obama arrived on the campaign trail in the Keystone State of Pennsylvania on Wednesday to lend a hand to his former Vice President Joe Biden.The stalwart and arguably most popular figure of the Democratic Party is hoping to lend his esteem among Democrats to push them to the polls for Biden. Opinion polls are showing a slight lead for Biden in Pennsylvania, and the state could end up being the keystone to reaching 270 Electoral College votes.Obama delivered a fiery rebuke of President Donald Trump, going after his leadership amid the coroanvirus pandemic, and his plans to eliminate the Affordable Care Act. "Where is this great plan to replace Obamacare? They’ve had 10 years to do it. There is no plan," Obama said. Pennsylvania played an important role in 2016 in sending Trump to the White House; Trump won the state by .6%. Trump was the first Republican presidential candidate to win the state since 1988, but the state has been hotly contested in tight elections. In 2004, John Kerry won Pennsylvania by just 2%, while Al Gore won the state by 4% in 2000.The former president had approval ratings well above those of Biden and Trump when he left office. In January 2017, Obama had a 59% approval rating nationally, according to Gallup. A year later, Gallup conducted a retrospective job approval rating, which gave him a 63% approval rating. By comparison, Trump has a 43% approval rating, according to Gallup; Biden has a 46% favorability rating.Due to the coronavirus, Wednesday’s rally was a drive-in, with supporters socially distanced.Joining Obama was a number of prominent Philadelphia-area Democrats, including Gov. Tom Wolf.Obama’s visit to Philadelphia comes less than 24 hours following Trump’s stop in Erie, Pennsylvania.The Biden campaign announced late Wednesday evening that Obama will once again be back on the campaign trail on Saturday with a visit to Miami.While Biden took the day from the campaign trail to prepare for Thursday's debate, Trump campaigned in North Carolina. 2093