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BALTIMORE — Social media ads are designed to sell consumers on products they're already interested in, but be careful about ordering from unfamiliar websites.Queen Shaydonna Haynesworth was served up an ad for a rainbow Christmas tree on Instagram, and she jumped at it. A few weeks later, her package arrived.In a video she recorded while opening the package, Haynesworth was baffled when she realized the tree she got in the mail looked nothing like the ad she was served."Like seriously? Who is responsible for this?" she said.Haynesworth ordered the tree from a website called Iridescent To You, but the payment was processed by Yokawa Network Limited."So I love rainbow everything, and so I'm like okay, a rainbow Christmas tree, why not? This should be fun," Haynesworth said.That is, until a feather duster lookalike arrived in the mail."Yo! It's missing a leg!" Haynesworth said in her unboxing video. "The worst thing I've ever seen in my whole life."She didn't try contacting the company or returning the item — she figured it was a lesson learned.Angie Barnett, president and CEO of the Better Business Bureau in greater Maryland, said that's what creators of fake websites hope will happen."The scammer or the schemer clearly made a profit. Most of these items are made overseas, so to return the item you'd actually have to ship to China or ship to an outside country and the cost is going to be phenomenal," Barnett said.Before ordering anything from social media ads or unfamiliar sites, look at the contact page. If there is no business address listed, that's a red flag. If there is an address, Google the address to see if it exists. Call the phone number to see if it works. Send an email and wait for a response. And use a credit card when shopping online.While it's nothing close to what she ordered, Haynesworth said she's keeping the tree."I'm determined now," she said. "Like, it's mine. I might as well. I'm going to get the ornaments I was going to put on it. Now, I'm defiant. I'm getting that tree up."This story was originally published by Mallory Sofastaii on WMAR in Baltimore. 2120

BALTIMORE, Maryland — The suspect in an earlier mass shooting in Jacksonville is from Baltimore, authorities said Sunday.According to the Jacksonville Sheriff's Office, the suspect is believed to be 24-year-old David Katz.WMAR television station in Baltimore learned federal authorities are conducting an investigation in South Baltimore, in connection to the incident that took place earlier today at a Madden video game tournament at a shopping and dining complex in downtown Jacksonville, Florida.PHOTOS: Click to see pictures from the mass shooting incident in JacksonvilleTwo people were fatally shot, and nine other people suffered gunshot wounds and two people were injured fleeing the area, authorities said at a news conference Sunday evening. 770

BOONE COUNTY, Ind. -- New jailhouse pictures that appear to glorify and praise the man accused of murdering Boone County Sheriff's Deputy Jacob Pickett have appeared on the internet."Outright despicable. It makes me sick to my stomach that this can reach social media," said Boone County Sheriff Mike Nielsen.The pictures show 21-year-old Anthony Baumgardt and his fellow inmates laughing and posing."He's not only celebrating with people in jail. I don't know if he is celebrating the crime, but it doesn't seem to bother him. That is what hurts me the most. That is what hurts people who have seen this," said Sheriff Nielsen.One image even describes Baumgardt as a "Hoosier Hero"."I don't like hearing that. It makes me uncomfortable. Because I don't know why anyone would call him a hero," said Sydnie Graves, Boone County resident."I'm kinda old school. It breaks my heart," said Mike Holt, Boone County resident.Baumgardt is behind bars in Hamilton County. According to the sheriff there, people visit inmates by video and they can share pictures with those they visit with."He has rights we have to honor like we have to honor with any other pre-trial inmate. We are gonna monitor the situation. Monitor Mr. Baumgardt's activities," said Hamilton County Sheriff Mike Bowen.Baumgardt's attorney, Allan Reid, told Scripps station WRTV in Indianapolis, "It is not mature, respectful behavior considering the tragic circumstances of this case. And I will talk to him about it."Baumgardt is being held without bond at the Hamilton County Jail. His next pre-trial hearing is May 16.READ | Anthony Baumgardt: "No remorse" for what happened to Deputy Pickett, man he's accused of shooting | Father of deputy shooting suspect says it "was a monster" who shot Deputy Pickett?| Court records detail Deputy Pickett suspects' criminal history  1900

BOULDER, Colo – The City of Boulder was hit by a scam artist who allegedly hacked the email system at the Boulder Shelter for the Homeless, convincing the city to transfer more than ,000 into a fraudulent bank account.According to a press release from the City of Boulder, it was a "successful email and financial fraud scam."City officials stated the incident happened early last month, with the scammer gaining unauthorized access to the email system of Boulder Shelter for the Homeless by impersonating shelter staff. They said the scammer sent email requests to the city to change the bank account information used by the shelter to receive city human services funding.According to the city, it processed the change and later transferred ,333.33 to the fraudulent account as part of its routine payment to the shelter.The city contacted its bank to attempt to reverse the payment and opened a police investigation.“In 2017, the City of Boulder enhanced its financial procedures to help make financial transactions more secure,” the city wrote in a statement. “In this situation, financial procedures to verify the authenticity of the request to change bank information were not followed. The Finance Department is conducting an internal investigation related to the fraudulent activity and the failure to comply with city procedures. While the city will not comment on specific personnel matters, it will take appropriate disciplinary action up to and including termination of staff.”  Greg Harms, the executive director of the shelter, spoke with the Boulder Daily Camera about the situation. According to the article, Harms said the missing funds would have been the payment the shelter received for November as part of the contract the organization has with the city.The Daily Camera also reported the shelter contacted the city when it didn’t receive the payment, but Harms doesn’t know when the investigation began. 1953

Blogger John Schmoll’s father left a financial mess when he died: a house that was worth far less than the mortgage, credit card bills in excess of ,000—and debt collectors who insisted the son was legally obligated to pay what his father owed.Fortunately, Schmoll knew better.“I’ve been working in financial services for two decades,” says Schmoll, an Omaha, Nebraska, resident who was a stockbroker before starting his site, Frugal Rules. “I knew that I wasn’t responsible.”Baby boomers are expected to transfer trillions to their heirs in coming years. But many people will inherit little more than a pile of bills.Nearly half of seniors die owning less than ,000 in financial assets, according to a 2012 study for the National Bureau of Economic Research. Meanwhile, debt among older Americans is soaring. It used to be relatively unusual to have a mortgage or credit card debt in retirement. Now, 23 percent of those older than 75 have mortgages, a four-fold increase since 1989, and 26 percent have credit card debt, a 159 percent increase, according to the Federal Reserve’s latest data from the 2016 Survey of Consumer Finances .If your parents are among those likely to die in debt, here’s what you need to know.You (probably) aren’t responsible for their debts. When people die, their?debts don’t disappear. Those debts are now owed by their estates. Some estates don’t have enough assets (property, investments and cash) to pay all of the bills, so some of those bills just don’t get paid. Spouses may have the responsibility for certain debts, depending on state law, but survivors who aren’t spouses usually don’t have to pay what’s owed unless they co-signed for the debt or applied for credit together with the person who died.What’s more, assets that pass directly to heirs often don’t have to be used to pay the estate’s debts. These assets can include “pay on death” bank accounts, life insurance policies, retirement plans and other accounts that name beneficiaries, as long as the beneficiary isn’t the estate.“You take it and go home,” says Jennifer Sawday, an estate planning attorney in Long Beach, California.You need a laywer. Some parents hope to avoid creditors or the costs of probate, which is the court process that typically follows a death, by adding a child’s name to a house deed or transferring the property entirely. Either of those moves can cause legal and tax consequences and should be discussed with a lawyer first. After a parent dies, the executor must follow state law in determining how limited funds are distributed and can be held personally responsible for mistakes. That makes consulting a lawyer a smart idea — and the estate typically would pay the costs. (The costs of administering an estate are considered high-priority debts that are paid before other bills, such as credit cards.)At his attorney’s advice, Schmoll sent letters to his dad’s creditors explaining the estate was insolvent, then formally closed the estate according to the probate laws of Montana, where his dad had lived.A lawyer also can advise you how to proceed if a parent isn’t just insolvent, but also doesn’t have any assets at all. In that situation, there may not be a reason to open up a probate case and deal with collectors, Sawday says.“Sometimes, I advise clients just to lay the person to rest and do nothing,” Sawday says. “Let a creditor handle it.”You need to take meticulous notes. The financial lives of people in debt are often chaotic — and sorting it all out can take time. As executor of his dad’s estate, Schmoll dealt with over a dozen collection agencies, utilities and lenders, often talking  to multiple people about a single account. He kept a document where he tracked details such as the names of people he talked to, dates and times of the conversations, what was said and required follow-up actions as well as reference numbers for various accounts.You shouldn’t believe what debt collectors tell you. Some collectors told Schmoll he had a moral obligation to pay his father’s debts, since the borrowed money might have been spent on the family. Schmoll knew they were trying to exploit his desire to do the right thing, and advises others in similar situations not to let debt collectors play on their emotions.“Just don’t make a snap decision, because it’s very easy to say, ‘You know what? I need to think about it. Let me call you back,’” Schmoll says.This article was written by NerdWallet and was originally published by The Associated Press. More From NerdWallet 4587