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A woman close to the Parkland, Florida, school shooter called an FBI tip line in early January to describe a young man with an arsenal of knives and guns who was "going to explode" and said she feared him "getting into a school and just shooting the place up.""I just want to, you know, get it off my chest in case something does happen and I do believe something's going to happen," the woman said, according to a transcript of the Jan. 5 call reviewed by CNN.The FBI admitted last week that it had failed to act on the tip. In a statement then, FBI Director Christopher Wray said that "we have spoken with victims and families, and deeply regret the additional pain this causes all those affected by this horrible tragedy."  739

Almost 30 million Facebook users' phone numbers and email addresses were accessed by hackers in the biggest security breach in the company's history, Facebook said on Friday. The attackers accessed even more details on 14 million of those users, including the area where they live, their relationship status and their religion.The new details come two weeks after Facebook first announced that attackers had access to 50 million users' accounts -- meaning they could have logged in as those users. Facebook said on Friday that, "We now know that fewer people were impacted than we originally thought," and said that 30 million people had been impacted.For the 14 million worst hit by the breach, the attackers were able to access the following information, Facebook said: "username, gender, locale/language, relationship status, religion, hometown, self-reported current city, birthdate, device types used to access Facebook, education, work, the last 10 places they checked into or were tagged in, website, people or Pages they follow, and the 15 most recent searches."Facebook said it will send a message to the 30 million users affected in the coming days. If you would like to check and see for yourself if your account was affected, click here. The company also said it is cooperating with the FBI, the Federal Trade Commission and the Irish Data Protection Commission.Facebook is regulated by Irish authorities in Europe as its European headquarters is located there. A spokesperson for the Irish data regulator said of Friday's announcement, "The update from Facebook today is significant now that Facebook has confirmed that the personal data of millions of users was taken by the perpetrators of the attack."Despite Friday's announcement, there are still many details about the hack that have not been made public, including who was behind it.The attack prompted Facebook to take the unprecedented step of logging out the 50 million users whose accounts were exposed and logged out another 40 million users as a precautionary measure. 2056

About 1 in 3 people 65 and older in the U.S. enroll in Medicare Advantage, the private insurance alternative to traditional Medicare. It’s not hard to see why: Medicare Advantage plans often cover stuff that Medicare doesn’t, and most people don’t pay extra for it.But Medicare Advantage can be more expensive if you get sick because copays and other costs can be higher, says Katy Votava, president of Goodcare.com, a health care consultant for financial advisors and consumers.Unhappy customers who want to switch back to traditional Medicare may find they no longer qualify for the supplemental policies to help pay their medical bills, or that they would face prohibitively high premiums.“These are complicated products,” says Votava, author of “Making the Most of Medicare.” “They’re like nothing else, no other insurance that people encounter anywhere until they get to Medicare.”Medicare’s alphabet soupThe first hurdle many people face when deciding about Medicare coverage is simply understanding how the various parts fit together. Traditional Medicare, also known as original Medicare, has two parts:Part A covers hospitalization and is typically premium-free.Part B covers outpatient care, including doctor visits, and has a standard monthly premium of 4.60 for 2020, although higher-income people pay more.You can choose any doctor who accepts Medicare, and most do. The government pays health care providers directly.Part D is prescription drug coverage, which is provided by private insurers. The drugs that are covered and the amounts you pay out of pocket vary widely. Monthly premiums vary as well but average .74 in 2020.Traditional Medicare has deductibles, copays and coinsurance that can quickly add up. To cover these gaps, private insurers also offer supplemental plans known as Medigap. The average monthly Medigap premium in 2019 was 2, according to health insurance marketplace eHealth.com, but it can be lower or much higher depending on the plan, the insurer and the area where you live. The plans are known by letters A through N. As with traditional Medicare, you can choose any doctor who accepts Medicare.If you apply for a Medigap policy when you’re first eligible for Medicare, the insurer has to accept you and can’t charge more for preexisting conditions.How Medicare Advantage is differentMedicare Part C is Medicare Advantage. Rather than add to the other parts of Medicare, however, Medicare Advantage plans replace them. Insurers that offer Medicare Advantage are required to provide all the benefits of Part A and Part B, and most plans include Part D drug coverage as well. In addition, the plans typically cover certain expenses that Medicare doesn’t, such as hearing, vision and dental care.Most Medicare Advantage enrollees in 2020 paid no additional premiums for their coverage, other than their regular Part B premiums, according to the Kaiser Family Foundation, a health research group.How Medicare Advantage manages costsMedicare Advantage plans are similar to employer-provided group health insurance: To be covered, you typically must choose health care providers in the insurance company’s network. The network may be relatively narrow if the plan is a health maintenance organization (HMO) or somewhat broader if it’s a preferred provider organization (PPO). You may need preapproval for certain types of care or referrals to see specialists. If you go out of network, your costs may not be covered or may not apply to your out-of-pocket limits. Even if your doctor is in-network now, that could change and you might not get much notice.Also, Medicare Advantage plans are typically regional. If you move out of the area or travel to other states, you may not be covered.The devil’s in the details, and Medicare Advantage plans have many, many details. The average Medicare beneficiary has access to 28 Medicare Advantage options, with varying networks, coverage, deductibles, copays and co-insurance, according to the Kaiser Family Foundation. In general, though, Medicare Advantage costs less upfront and potentially more overall if you need lots of medical care. Many Medigap plans have higher upfront costs but cover most if not all of your expenses when you need care.If you want to switch from one Medicare Advantage plan to another, you can do so during annual enrollment periods. But if you want to switch from Medicare Advantage to traditional Medicare, you often won’t have guaranteed access to a Medigap policy. That means the insurer may charge you more, exclude preexisting conditions for a time or not issue you a policy at all.That doesn’t mean Medicare Advantage plans are a poor choice — just a complicated one, says Tatiana Fassieux, a training specialist with California Health Advocates, a Medicare advocacy nonprofit. She recommends people contact their state health insurance assistance program, which can provide free, unbiased one-on-one counseling. Links to these programs can be found by visiting the SHIP National Technical Assistance Center.“People should not rely exclusively on television commercials,” Fassieux says. “That’s when people get stuck and sometimes make the wrong decision.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Fake Reviews and Saving ‘Too Much’Is Moving Now Your Best Financial Move?When Debt Relief Does More Harm Than GoodLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5523

A student at Monroe Middle School in Michigan is facing possible charges after bringing an inactive grenade to school and threatening to "blow up the school."Police were called to the school after the student showed the device to other students and made the threatening statements. Later interviews determined that he has shown it to others multiple times during the day.A school resources officer searched the student's locker and located the grenade. He noticed that it had been modified to make it incapable of detonating.Further inspection confirmed the device was not capable of exploding and did not pose a threat to anyone.The student was removed from class and taken into custody. He has been placed in the Monroe County Youth center for possession of a device that is represented as an explosive or bomb.Anyone with information in this case is asked to call the Monroe Police Department. 919

A woman was thrown from a vehicle on I-10 south of Eloy, Arizona. According to the Arizona Department of Public Safety, troopers responded to a crash on eastbound Interstate 10 near Picacho, just after 11:30 p.m. on Sunday. Troopers received 911 calls about the incident, and one caller told DPS a woman was thrown from a vehicle. When troopers arrived on the scene they found a woman in her twenties who had been killed. The body was found on the right shoulder. The victim has not been identified. According to DPS, the suspect was traveling in a white Volkswagen sedan. No other suspect description has been given. The eastbound lanes of Interstate 10 were closed near Eloy for about seven hours, but have since reopened.   784