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If you receive a call from an unfamiliar number informing you that you've missed jury duty and could be sent to jail if you don't pay a fine, be wary. The call could be a hoax.The scam has claimed a number of victims in the Baltimore area.At least one caller identified himself as a Lieutenant Steven Harris with the Baltimore County Sheriff's office. “They claimed that I had failed to show up, obey a summons in a criminal case, and that the judge had issued a bench warrant for my arrest. And they wanted me to come in right away and straighten it out or they would have to come get me,” said Professor Rena Steinzor who teaches at the University of Maryland Carey Law School.The caller gave the address of the Towson courthouse and instructed her to meet him there with money in hand.“He wanted ,868 in fines for my failure to appear and said I would get the money right back,” said Steinzor.When she explained she couldn't get down to her bank in Capitol Hill and back before the courthouse closed, he told her to purchase a MoneyPak from a CVS or office supply store. The form of payment was a red flag that alerted Steinzor to the fraud.“I think it's stupid to target somebody who's familiar with the criminal justice system and knows that you don't go to CVS and put money on a card if you have to pay a fine in court,” Steinzor said.A co-worker then called the Sheriff's Office who told her it was a trick.Steinzor didn't pay but there are many potential victims. The scheme stretches into areas around the state.Harford, Howard, Cecil, and Frederick counties have all reported similar scams recently. In Frederick County the caller gave the name of a police officer who is actively on the force. They convinced a victim to stay on the phone. The scammer didn't have an accent, they provided real addresses, and they threatened the victim with arrest.“I think the threat that they're going to come and get you is very disconcerting. I mean, I will tell you, I made it all the way to my car,” said Steinzor.The Baltimore County Sheriff said the fraudsster was after the code on the MoneyPak. He would've asked for the code and never appeared at the courthouse.They also said the person in question may be from another country. When police went to investigate, the number Steinzor provided was disconnected.Steinzor wanted to share her story because the scam can be very believable. When she initially called the number, the voicemail made it seem like it was the Sheriff's Office. They also knew where she worked.If you get one of these calls and you're not sure, police advise you to hang up and call the agency's official number on their website to verify.You could be fined or face jail time for failing to appear for jury service, however, courts do not call people to notify them about a bench warrant, nor do they instruct them to bring a “bond voucher” with them to the court.For more information on the scam, click here.  2992

If you're in your mid-40s and haven't had your colon checked, it might be time.The American Cancer Society's newly updated guidelines for colon and rectal cancer screening recommend that adults at average risk get screened starting at age 45 instead of 50, as previously advised.The updated guidelines come on the heels of what seems to be a rise in colorectal cancer among younger adults.Those at higher risk include African Americans, Alaska Natives, and people with a family history or a personal history of colon or rectal polyps; risk factors such as these could require screening earlier.Published in CA: A Cancer Journal for Clinicians on Wednesday, the updated guidelines also indicate that there are six screening test options for adults, ranging from noninvasive stool tests to visual exams like colonoscopy, depending on the preference of the patient and availability of the test.Other health organizations in the United States -- such as the US Preventive Services Task Force -- still recommend routine screening for colon and rectal cancers starting at age 50. 1081

I congratulate President-elect Biden and Vice President-elect Harris on their victory. This has been a long and divisive campaign, but now it is critical for us all to focus on the very real and immediate challenges facing this nation.— Charlie Baker (@MassGovernor) November 7, 2020 291

In a private Instagram group chat, confessed school shooter Nikolas Cruz repeatedly espoused racist, homophobic and anti-Semitic views and displayed an obsession with violence and guns.Wednesday, 19-year-old Cruz opened fire at the school that expelled him, Marjory Stoneman Douglas High School in Parkland, Florida. Authorities say he killed 17 with his legally purchased AR-15.CNN, investigating comments the shooter may have left on a now-deleted YouTube channel, was added to the private Instagram group by one of the active members in it. The responding group members, who appear to be younger than 18, have refused to confirm their identities to CNN on or off the record.When asked for comment or whether they knew about the private chat group, the FBI directed CNN to the Broward County Sheriff's Office.Most of the conversation in the group since Cruz joined around August 2017 is between six people -- including Cruz."I hate jews, ni*****, immigrants" 968

If you’re celebrating the holiday season at home this year because of the COVID-19 pandemic, then you probably aren’t using up your travel rewards points. Instead of watching those points languish, consider turning them into holiday gifts — you can stretch your budget while taking advantage of new offers from credit card issuers.Amid the pandemic, many card issuers are offering more flexibility when it comes to points redemptions, as well as extra statement credits. With 1 in 3 holiday shoppers who accrued credit card debt last holiday season still paying it off, using credit card rewards to finance gifts can be a great way to celebrate the season while avoiding additional debt.Here are some examples of offers you can take advantage of this year:Send a mealFor a limited time, if you have an eligible Capital One travel card, you can use miles to cover restaurant delivery and takeout purchases at a 1:1 rate. That means instead of using your miles to fly home to see family, you can use them to send them a nice holiday takeout meal. You could even join them for it over Zoom.Bank of America? is also offering temporary points-for-food conversions on some of its travel cards, and in some cases a statement credit. Similarly, Chase is allowing some cardholders to redeem points for statement credits against purchases made at grocery stores, restaurants (including takeout and delivery) and home improvement for a limited time.Make a donation in someone’s nameChase is allowing some cardholders to redeem points for statement credits when making donations to qualifying charitable organizations.Treat a friend to coffeeStarbucks credit card holders received 150 bonus Stars earlier this year as part of Chase’s efforts to help consumers during the pandemic. That equates to a handcrafted drink, hot breakfast or parfait — so if you haven’t redeemed those rewards yet, consider putting them toward a (socially distanced) holiday date with a friend.Gift a streaming serviceEight months into the pandemic, we’re still looking for new ways to keep ourselves entertained indoors. Several issuers have cards with temporary or ongoing offers that give you statement credits or bonus rewards for streaming.If you pay for someone else’s streaming service, you can reap the discount or rewards.Cover someone’s exercise programFor a limited time, some American Express cardholders can purchase a membership to at-home fitness program Variis by Equinox and earn statement credits each month. Terms apply. Or, if Peloton is more your speed, some Chase cards earn limited-time statement credits toward eligible memberships.Get cashSome cards also let you redeem travel points for cash back at the same rate.It’s not always the best redemption option. But at a time when travel options may be limited, it can help offset some of the costs of the holidays and even reduce your chances of accruing credit card debt from all that additional spending, which is a real gift to yourself.More From NerdWallet5 Minimalist Tips to Make the Holidays More AffordableCan I Get Preapproved for a Credit Card?7 Times You Might Want to Product-Change a Credit CardKimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. 3256

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