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EL CENTRO, Calif. (KGTV) - Church leaders in San Diego, El Centro, and Brownsville, Texas were arrested Tuesday on suspicion of subjecting homeless people to forced labor, according to U.S. Department of Justice officials.U.S. Attorney for the Southern District of California Robert Brewer said those charged coerced the victims to give up their welfare benefits and forced them to panhandle up to 54 hours a week.Twelve people said to be leaders of Imperial Valley Ministries (IVM) are charged with conspiracy, forced labor, document servitude, and benefits fraud, said Brewer.“The indictment alleges an appalling abuse of power by church officials who preyed on vulnerable homeless people with promises of a warm bed and meals,” said Brewer. “These victims were held captive, stripped of their humble financial means, their identification, their freedom, and their dignity.” IVM is headquartered in El Centro and operates about 30 churches in the U.S. and Mexico including locations in Las Vegas, Phoenix, Los Angeles, Santa Ana, and San Jose. The church’s stated purpose is to “restore” drug addicts at faith-based rehab homes, the Department of Justice said in a news release. The church operated one group home in Chula Vista, along with others in El Centro and Calexico. Many victims were recruited in San Diego, officials said. Defendants include Jose “Chito” Morales of San Diego, Ana Robles-Ortiz, Jose Gaytan, Sonia Murillo, Arnoldo Bugarin, Azucena Torres (aka Susana Bugarin), and Sergio Partida of El Cajon, and Victor Gonzalez, Susan Leyva, Jose Diaz, Mercedes Gonzalez (aka Mercy Diaz), and Jose Flores of Brownsville, Texas. IVM leaders allegedly “inducted many to participate with offers of free food and shelter with the false promise that victims would be provided with resources to eventually return home,” according to the DOJ. The homeless people would check in to the homes and sign agreements to stick to the IVM rules such as “you are not to discuss things of the world” and “if any of the rules are broken there will be discipline”, DOJ officials said. Many victims claimed they were held against their will, officials said. The indictment claims church leaders used deadbolts to lock the victims into the homes, and confiscated identifications. Windows were also nailed shut at some group homes, according to the indictment. In one case, a 17-year-old victim broke a window to escape and run to a nearby home to call police. Prosecutors say church leaders also refused to allow a diabetic woman to obtain medicine and food in response to low blood sugar. She was able to escape and get help, officials said. In some situations, IVM members told the victims they would have to stay or they would face punishments, including having their children taken away from them, the DOJ said. Victims were also told loved ones had rejected them and they must stay because “only God” loved them, said officials. Punishments, including talking about the outside world, allegedly included the withholding of food. DOJ officials said IVM leaders also stole victims’ EBT cards and used them for improper purposes. The identified victims are now free and have access to necessary support services. 3214

Diana Farrell is the President and CEO of the JPMorgan Chase Institute, which publishes data analyses and insights that leverage the firm's proprietary transaction data. Previously, Diana was the Deputy Director of the National Economic Council, as well as Global Head of the McKinsey Center for Government and the McKinsey Global Institute. The opinions expressed are her own. The deadline to file your 2017 taxes is just a week away. But if you're one of the millions of Americans — roughly four in ten households — who filed back in February, you probably couldn't wait to get your hands on your expected refund.And there's a good chance you put that refund toward a visit to the doctor.That's according to new research by the JPMorgan Chase Institute, which evaluated when Americans in different income and demographic groups file their taxes.Americans who file their taxes early are more likely to receive a larger tax refund. Early filers were also more likely to spend a larger portion of their refund on health care.Related: How to save money on health care in retirementIn fact, American families increase their health care spending by 60% in the very week they receive a tax refund. And those who received their refunds in February increased their health care spending over the following 76 days by 38%, compared with a 22% increase for those who received refunds in March and an 11% increase in April or May.While some high-deductible health plans encourage early-year spending, JPMorgan found that deductibles aren't the motivating force behind this surge.Instead, among the earliest filers, 64% of their health care spending went to services they had been putting off, including dental visits, hospital visits and in-person doctor appointments.What does this mean? It's increasingly clear that families are treating their tax refunds as a zero-interest savings vehicle, the funds of which they're using for important and sometimes crucial expenses like health care.That's problematic for Americans' financial health, because the IRS does not currently give taxpayers control over the timing of their refund payments, outside of choosing when to file your annual refund between January and Tax Day in April. This means it can be challenging or unrealistic to only schedule payments or purchases around your tax refund every spring.It also poses problems for Americans' physical health, because those who rely on this cash infusion to afford health care are likely to delay care.Related: Americans spend more on health care, but have shorter livesGenerally speaking, young people under the age of 35 and those whose take-home pay is less than ,000 are more likely to be early filers because they have a greater need for this cash infusion.Another reason for filing early could be that low-income families are more likely to receive refundable tax credits, such as the Earned Income Tax Credit, money that is not available except through a tax refund. Across all income and age groups, though, people who are owed a larger refund are more likely to file early.Given the link between tax refunds and health care spending, policymakers and employers should consider making changes that would allow consumers to access funds throughout the year. Policymakers might consider offering periodic tax refund payments -- perhaps quarterly payments so that families wouldn't have to defer care until tax season.Another solution is to make the timing of these payments even more flexible and frequent for those who require urgent health care. This could include an option to apply for emergency funds taken out of your upcoming refund, or an option to file at a different time of year and receive a refund based on year-to-date income.Related: How to file your taxes for the first timeBy fixing one of the largest cash flow events to happen between mid-February and mid-May every year, we're virtually guaranteeing that some Americans will have to defer care.Finally, we should encourage employers to offer alternative savings vehicles, like an employer-based sidecar account. This account would share many of the same features of a tax refund, but give consumers more direct control over when they access funds.These could include built-in commitments and "set-it-and-forget-it" transparency, which would enable consumers the option of a one-time payroll election that recurs with every paycheck, locking them into an annual savings choice similar to other employer-sponsored benefits.By better understanding the connection between health care spending and tax season, we can help more families manage their finances to ensure they're getting health care when they need it, not just when they file to Uncle Sam.The-CNN-Wire 4734

Devastating wildfires across the Western United States has sent smoke traveling across the country and even into Europe. With that smoke comes bad air quality, not just for those near the fires, but for the entire continent.Satelite images from NASA shows smoke thousands of miles from the fire. NASA says the smoke contains aerosols, a combination of particles which carry harmful things into the air and into your lungs. All the things that are burning, trees, grass, brush, homes, are turned into soot and absorbed by our lungs.“This pollution, nobody knows how badly it will be affected but if we extrapolate from previous air quality it's not good,” Dr. Malik Baz, the medical director at the Baz Allergy and Sius Center, said. “The long-term side effect, we’ll see many, many years down the line.”Baz’s operates 13 locations in California, all of them are busy as Central California is essentially a big bowl surrounded by mountains which trap pollution over the valley. Air quality is always an issue for this part of the state and fires multiply the problem.“People with respiratory, allergy, asthma, ,sinus problem, anytime the air quality goes bad, their symptoms get worse,” Baz said. “It affects them but this air quality, it doesn’t matter whether you have respiratory problems or not, everyone is affected.”It's bad in other western cities too."This is really an unprecedented wildfire season in 2020,” said Jon Klassen, director of air quality science and planning for San Joaquin Valley Air Pollution Control District. “We have fires across most of the states in the western US, Washington, Oregon, California, Seattle. Portland has some of the worst air quality in the world right now, which is shocking because normally they have pretty good air quality."Klassen’s job is to monitor and improve air quality and help reduce emissions.“Those sorts of emissions can come off of wildfires or different industrial sources, the burning of different material, and the challenge and the health challenge is that because it’s so small, it can get into your lungs, your bloodstream, cause damage to internal organs,” Klassen said.A good air quality index score is anywhere from 0 to 50. Some of the cities next to the fires are seeing numbers in the 400s or 500s. California, Klassen says, has had fires burn 3.4 million acres. That's larger than the state of Connecticut as a whole. And that smoke from the western United States isn't just staying local.“Just the enormous amount of emissions that are going into the atmosphere can get caught up in transport flow from the Pacific over to the Atlantic,” Klassen said. “It can slowly cross the content and into different parts of the country, which is what we’re observing right now.”Which means use the "see and smell" rule, and watch the air quality index wherever you are.Sometimes that air can make you feel bad, and doctors advise you watch your symptoms.“[Symptoms include] lethargy, coughing, wheezing, difficulty breathing, irritation of the eyeballs, sneezing, itching, nasal congestion, headaches,” Baz said. These are also the symptoms of COVID-19, which makes some problems hard to diagnose.If your air quality isn't good, Baz suggests staying in, avoiding strenuous exercise outside, changing the filters in your home and car and keeping up on your medications and hydration.And while fires aren't forever, we are unfortunately just starting a season that's shaping up to be unprecedented.“The concern here is we are in the middle of wildfire season,” Baz said. “The past few years, the season has ended in November and we’re in September, so we’ll have a couple months left to go with these fires.” 3678

Donald Trump once tried to offer Karen McDougal money after they had been intimate, the former Playboy model told Anderson Cooper Thursday in an exclusive interview on CNN."After we had been intimate, he tried to pay me, and I actually didn't know how to take that," she said of their first alleged sexual encounter.When Cooper asked if Trump tried to hand her money, McDougal said, "He did." 400

Did you find yourself cooped up during the pandemic-induced stay-at-home orders, blankly staring at the walls of your house, longing for more?Maybe you wanted to travel or go out to dinner with friends. Or maybe you just wanted a fresh coat of paint on that wall.If you found yourself in the latter camp, you had company: When the home improvement platform Houzz surveyed 1,000 homeowners who use the site in April, nearly 80% said they’re considering remodeling changes that would help them enjoy their houses more. And sales at Home Depot were up 7% in the first quarter of this year compared with the same period last year, a possible sign that consumers were already spending more on home improvement materials.Although now might seem like the perfect time for DIY home improvement, be sure to consider our new reality. Plan the project’s size, type and budget to fit current circumstances.Plan your projectWhether it’s a wall in need of color or a drab backyard that could use some landscaping, start by knowing what you want to accomplish. Then, put together a plan.When determining the project you’ll take on, think about what’s within your skillset and what you can accomplish during the upcoming months. For example, if you want to remodel your bathroom, put in some flower beds and redo the siding on your house, start with the flower beds since it’s easier and timely.Some projects are better left for professionals or for a later date. You might decide to wait to renovate a bathroom when you’re holed up for the winter and to hire a professional for the siding since it’s complicated to install.But realize that it might be difficult to get a professional on the phone given the uncertain state of businesses and stay-at-home orders. As well, resist the temptation to do everything yourself.“Wiring and plumbing shouldn’t be DIY unless you know something about it,” says Alexandra Barker, principal at Barker Associates Architecture Office in New York. “Because then, if you’re in a crisis, it’s hard to get a plumber or electrician to answer your calls right now.”Vicki and Steph Kostopoulos, a mother-daughter duo who run the “Mother Daughter Projects” blog, suggest holding off on any project that involves a lot of sanding — during which you would need to wear an N95 mask — given the current demand for personal protective equipment in hospitals.Do your researchChoosing a home-improvement project can be exciting, but figuring out exactly how to do it is an altogether more difficult task.“Before you start a project, watch a number of videos on how to do it so you can make sure you understand the process,” says Steph Kostopoulos. “By watching multiple sources, you’ll be able to get an idea of how it’s done.”YouTube has countless hours of DIY videos, but the quality varies. For consistent and knowledgeable how-to videos, check out This Old House, a home improvement series that makes seemingly complicated DIY projects more accessible. Apartment Therapy is another reliable resource.Set your project budgetYou know what you want to accomplish and how you would do it — but can you afford it? Make sure you know the total cost of a project, then review your budget and see how much of your expendable income can be allocated for it.The budgeting process might take some negotiation between what you can afford right now and what you want to accomplish. Given that we’re in a recession, it’s best to avoid going into debt or tapping your emergency fund for home improvements.Consider making a simple spreadsheet that lists the items you need and how much they’ll cost. That lets you prepare for and track the cost of the project. And pad it a bit because your project will likely cost more than that when it’s done, Barker says.“You always have to add in 10% or 15% of cost overage to your project budget,” she says. “You never know if your dog or cat could knock over your can of paint, then you have to buy another. Expect the unexpected as part of your budgeting.”If you find the total expenses are more than what you can afford right now, see if you can divide the project into more manageable chunks over time. This will help you get started without stretching your finances.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow ‘Maximizers’ Can Cut Decision-Making AngstTime’s Running Out to File Yahoo Data Breach ClaimsSmartMoney Podcast: Prepping Your Money for a Recession, What to Do with a ,000 InheritanceSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 4602