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As governors around the country consider new or stricter restrictions to control the latest surge in coronavirus cases, a recently published study identifies restaurants, cafes and gyms as some of the places having the highest risk of coronavirus spread outside the home.The study, published this week in the journal Nature, looked at data from millions of Americans, tracked by their phones as they went about daily life during the first wave of the pandemic this spring.They used the data and an epidemiological model to run simulations on viral spread at points of interest outside the home. Their findings in the simulations closely matched actual coronavirus caseloads, according to the Washington Post.“We found large variation in predicted reopening risks: on average across metro areas, full-service restaurants, gyms, hotels, cafes, religious organizations, and limited-service restaurants produced the largest predicted increases in infections when reopened,” the study states.Researchers say these locations pose more risk because the mobility data, data showing how mobile people are at these places, shows Americans tend to spend longer amounts of time and at a higher density of people.Their models add support to pandemic measures around the country that limit capacity at some of these points of interest, including capping indoor gatherings to a certain percentage or number of people.“Reducing maximum occupancy substantially reduced risk without sharply reducing overall mobility: capping at 20% maximum occupancy in the Chicago metro area cut down predicted new infections by more than 80% but only lost 42% of overall visits, and we observed similar trends across other metro areas,” researchers stated.The study also looked at disparities in lower income neighborhoods, where more of the population has to leave their home for essential jobs, grocery delivery may not be available or is financially not possible, and businesses tend to be smaller and potentially more crowded.“Because disadvantaged groups suffer a larger burden of infection, it is critical to not just consider the overall impact of reopening plans but also their disparate impact on disadvantaged groups specifically,” the study states.The researchers hope the information is helpful to policymakers and city leaders as they consider reopening restrictions. 2356

Are you owed money you don’t even know about? You might be, if your name is in an unclaimed property database. Each year, billions of dollars from forgotten security deposits, refunds, uncashed paychecks and even old bank accounts are reported to state agencies. And each year, according to the National Association of Unclaimed Property Administrators, an organization affiliated with state treasury departments, states return more than billion to their rightful owners.Just ask Maria Barlow, an attorney in Chicago. A few months ago, she was sitting at home when she decided to plug her name into the Illinois unclaimed property website. “I was surprised to see there was an entry,” she says. Fast forward a few weeks, and she had a check in hand for .80.If you are wondering if you have unclaimed property, here’s how to find out.Search online at state agenciesThe National Association of Unclaimed Property Administrators’ website, Unclaimed.org, links to agencies in all 50 states, the District of Columbia and other territories. With these sites, you can search unclaimed property databases for free. The organization also sponsors MissingMoney.com, which lets users search multiple states at once, though not every state participates.To pull up the property database, you will likely be asked to enter a last name. You could also enter a first name, city or ZIP code to help narrow the search. From there, you may find entries detailing the owner’s last known address, property amount and the company that initially held the funds. Depending on the database, the state may provide the exact amount of the property, or give a range, such as “under ” or “ or more.”Barlow says her entry was from an old internet provider. The company owed her a refund because she moved and switched off service before her billing period ended. But it didn’t have the correct forwarding address, so it sent the money to the state. Barlow says she filed a claim online, and it was processed within two weeks. “Even in the pandemic, it didn’t take long to receive it,” she says.Finding a small amount can still give you breathing room in your monthly budget or help pad your emergency fund. (Read more about emergency funds and why they’re important.)Prove you are the rightful ownerFiling a claim may involve scanning and uploading identification, such as your driver’s license, and other documentation that you live (or lived) at the address on file. For example, you might be asked to upload a recent utility bill. For certain types of claims, such as those for money orders, you may need to mail documentation instead of uploading. (You can read more about money orders here.)Heirs can follow a similar process for claiming property if the owner is deceased. Lorrie Walker, a financial advisor in Lakeland, Florida, advised a client earlier this year whose late husband had funds in old bank accounts. She says her client provided additional paperwork, including her husband’s death certificate, to claim the property.Later, Walker checked the state treasury website for unclaimed property of her own. “Sure enough, there was money for a security deposit in an apartment I lived in 20 years ago,” Walker says. She filed a claim online and, a few weeks later, received a check for 5.If the property is tied to an old address, don’t be discouraged. In Barlow’s claim, she explained that she no longer had documentation, and she still received her money, she says.It is OK to be nosyData within unclaimed property databases is publicly available, so you can search on behalf of others. You can then alert them if they have lost funds, but it’s their responsibility to claim the funds and prove ownership.Barlow says she entered the names of about 15 family and friends and found unclaimed funds for many. She says that since she alerted them to the cash, many were able to collect. “I may be nosy, but I found them money,” she says.Pro tip: Make the most of your moneyIf you do find and receive funds, you can make this “found” money work for you by putting it in an account with a high interest rate. These accounts may earn 10 times more than the national average, so you can take the unexpected funds and grow them even more.The smaller amounts may not make you rich, but they can still be worth searching for, Walker says. “At the end of the day, it is your money. So it’s better for you to have it than the state.”More From NerdWalletHow to Get Started If You’ve Never Had a Bank AccountSmartMoney Podcast: Setting Money Goals at Milestone Birthdays, and Bagging Big Bucks with Bank Bonuses6 Do’s and Don’ts When Saving Money During a CrisisMargarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4757

Around the country and the world, statues have become targets.Although the push to remove racially charged monuments isn't new, protesters have taken matters into their own hands.In South Africa, a statue of former President Paul Kruger was vandalized by anti-racism activists. In London -- a Winston Churchill statue stands boarded up.This comes after other monuments to slavers were vandalized and torn down.Over the weekend in New Orleans, protesters took down a statue to slave owner John McDonough.A Christopher Columbus statue in Boston was recently beheaded, another thrown into a river.Across the United States, monuments to the Confederacy have been targeted.“There are a lot of people that have expressed this concern that if we take down monuments, then we are destroying our history or removing our history,” said Christopher Bonner, assistant professor of history at the University of Maryland. “I would disagree with that. I think that's not at all what's happening.”He says historians know these statues are not really about the Civil War.Bonner points to a speech from when a Confederate statue was erected at the University of Mississippi in 1906.“The person who was dedicating the monument was very clear about what was being memorialized,” said Bonner. “They said that former Confederate soldiers as valor, as noble as they were on the battlefield, they said that they were more important for the work that they did to restore white supremacy in the aftermath of the Civil War.”Many city officials are addressing the movement.In these 11 states, controversial statues have been taken down or are scheduled for removal: Alabama, Texas, Florida, New York, Michigan, Indiana, Virginia, North Carolina, Kentucky, Massachusetts, Pennsylvania. 1764

An employee of a Virginia Publix grocery store who is deaf and lacks peripheral vision claimed she was assaulted by a customer after the employee said she could not hear the woman, WRIC-TV reported. Liberty Gratz was reportedly stocking a shelf when a woman trying to get Gratz's attention punched her from behind. The punch got Gratz's attention, and Gratz was able to point the woman in the right direction, but the incident left Gratz stunned. "She doesn't have that peripheral vision, so she's really focused on her work," Gratz's mom Jeanette Gratx told WRIC. "She doesn't always notice the people beside her."Liberty Gratz later had store management review video footage, but managers were unable to make out the woman. "She could still feel it when I picked her up from work," Jeanette Gratz told WRIC. "How would you feel if you were working and someone just came up behind you and decided to punch you?"Liberty Gratz told WRIC she wishes she could talk to the woman about being kind to people, whether they have a disability or not.  1110

As Jeffrey Epstein associate Ghislaine Maxwell awaits trial, newly released documents provide insight into the charges she's facing.A deposition from 2016 has been made public that alleges Maxwell was a recruiter for Epstein's underage sex ring.Testimony from Virginia Giuffre, one of Maxwell's alleged victims, implicates Prince Andrew and former New Mexico Gov. Bill Richardson. Both the prince and Richardson have denied the allegations against them.Giuffre also reports seeing former President Bill Clinton on Epstein's private island. When she asked Epstein about why Clinton was there, she said Epstein told her that Clinton owed him a favor.Clinton has previously denied ever going to Epstein's island.Giuffre also said one of the men involved in Epstein's sex ring was a "large hotel chain owner."The in the court filings, Maxwell and her attorney portray Giuffre as unreliable, pointing to errors in certain information she provided. 950