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The world's No. 1 tennis player’s offer to upgrade a tennis center in Boca Raton was rejected by the public park system’s leadership Monday, and many in the community call it a win. The Greater Boca Raton Beach and Park District had been looking to upgrade Patch Reef Park since 2014.Tennis star Rafael Nadal wanted a tennis academy in his name, which would have included restaurants, dorms, indoor and outdoors courts.The district has been looking at renovating the tennis center at Patch Reef Park since 2014. Last summer, Rafael Nadal had reached out and offered to help build a new indoor facility. "It just wasn’t right. It was wrong. We’re happy to have Nadal here but build elsewhere. This place belongs to the people of Boca Raton," said Dina La Voe, an advocate of Patch Reef Park. Instead, the park will make a request for proposals and have more public input. It’s possible for Nadal to win a bid that way.At the beginning of the month, renderings of the facility were shared and the facility was called the “Rafael Nadal Academy.” The renderings showed indoor and outdoor tennis courts, dormitories, and restaurants.District executive director Arthur Koski said the district was not going to agree to what the Nadal group had offered. “We advised the Nadal group that an academy would not be something we would consider.” “Right now, we think the best first step is a step backwards,” said Koski.Some people in Boca Raton were not happy to hear about the proposed Nadal Academy. “It looks to me like they are tearing everything out of here,” said Dan Bianco. Koski said he would like to see different ideas about an indoor tennis center that would fit everyone's needs.  1745

The Trump administration has proposed further slashing the number of refugees the United States accepts to a new record low in the coming year.In a notice sent to Congress late Wednesday, just 34 minutes before a statutory deadline to do so, the administration said it intended to admit a maximum of 15,000 refugees in fiscal year 2021. That’s 3,000 fewer than the 18,000 ceiling the administration had set for fiscal year 2020, which expired at midnight Wednesday.The proposal will now be reviewed by Congress, where there are strong objections to the cuts, but lawmakers will be largely powerless to force changes.The more than 16.5% reduction was announced shortly after President Donald Trump vilified refugees as an unwanted burden at a campaign rally in Duluth, Minnesota, where he assailed his opponent, former Vice President Joe Biden. He claimed Biden wants to flood the state with foreigners.“Biden will turn Minnesota into a refugee camp, and he said that — overwhelming public resources, overcrowding schools and inundating hospitals. You know that. It’s already there. It’s a disgrace what they’ve done to your state,” Trump told supporters.Trump froze refugee admissions in March amid the coronavirus pandemic, citing a need to protect American jobs as fallout from the coronavirus crashed the economy.Secretary of State Mike Pompeo said the administration is committed to the country’s history of leading the world in providing a safe place for refugees.“We continue to be the single greatest contributor to the relief of humanitarian crisis all around the world, and we will continue to do so,” Pompeo told reporters in Rome on the sidelines of a conference on religious freedom organized by the U.S. Embassy. “Certainly so long as President Trump is in office, I can promise you this administration is deeply committed to that.”But advocates say the government’s actions do not show that. Since taking office, Trump has slashed the number of refugees allowed into the country by more than 80%, reflecting his broader efforts to drastically reduce both legal and illegal immigration.The U.S. allowed in just over 10,800 refugees — a little more than half of the 18,000 cap set by Trump for 2020 — before the State Department suspended the program because of the coronavirus.The 18,000 cap was already the lowest in the history of the program. In addition, the State Department announced last week that it would no longer provide some statistical information on refugee resettlement, sparking more concerns.Advocates say the Trump administration is dismantling a program that has long enjoyed bipartisan support and has been considered a model for protecting the world’s most vulnerable people.Scores of resettlement offices have closed because of the drop in federal funding, which is tied to the number of refugees placed in the U.S.And the damage is reverberating beyond American borders as other countries close their doors to refugees as well.“We’re talking about tens of millions of desperate families with no place to go and having no hope for protection in the near term,” said Krish Vignarajah, president of the Lutheran Immigration and Refugee Service, a federally funded agency charged with resettling refugees in the United States.Bisrat Sibhatu, an Eritrean refugee, does not want to think about the possibility of another year passing without reuniting with his wife.For the past 2 1/2 years, he has called the caseworker who helped him resettle in Milwaukee every two weeks to inquire about the status of his wife’s refugee case.The answer is always the same — nothing to report.“My wife is always asking me: ‘Is there news?’” said Sibhatu, who talks to her daily over a messaging app. “It’s very tough. How would you feel if you were separated from your husband? It’s not easy. I don’t know what to say to her.”He said the couple fled Eritrea’s authoritarian government and went to neighboring Ethiopia, which hosts more than 170,000 Eritrean refugees and asylum-seekers. Between 2017 and 2019, his wife, Ruta, was interviewed, vetted and approved to be admitted to the United States as a refugee. Then everything came to a halt.Sibhatu, who works as a machine operator at a spa factory, sends her about 0 every month to cover her living expenses in Ethiopia.“I worry about her, about her life,” Sibhatu said, noting Ethiopia’s spiraling violence and the pandemic. “But there is nothing we can do.”He hopes his wife will be among the refugees who make it to the United States in 2021.___Lee reported from Washington. 4558

The virus has seniors trapped, stuck inside for their own safety. But even quarantined inside nursing homes, the novel coronavirus still managed to find a way in.Tonya Dubois is the director of nursing for the Hillsborough County Nursing Home in Goffstown, New Hampshire. At one point back in May, 150 residents here were infected with COVID-19. By the time the outbreak was over, 50 seniors had died from complications related to COVID-19.The staff was heartbroken.“What people had to see, it was very hard,” Dubois recalled as she held back tears. “These staff members stayed and held patients' hands; they never died alone.”Limiting the virus spread has been hard. Months later, only two people in the nursing home now have COVID-19. That’s thanks in part to a no-visitor policy here and across the country in other senior care facilities. Isolating for safety though has also come at the expense of senior’s mental health.“A lot of them don’t get to talk to people all day. Some have families, and some don’t,” said Tammie Richard, who also works as a nurse at Hillsborough.Through much of the spring, Richard noticed how depressed residents were getting without haircuts. Because of the virus, the facility’s beauty parlor had to be been shut down. Richard, who's also a cosmetologist, decided to take her show on the road.Or at least down the hallway.She found a way to do trims, cuts, and color safely. While wearing PPE and sanitizing her equipment, she able to cut residents' hair one room at a time.“The touching, touching, and talking to somebody, the hour, the half-hour they love getting their hair done. I just want them to feel comfortable, relaxed, and happy,” Richard added.With residents here cut off from the outside world, a simple cut is doing wonders for these seniors’ mental health. Because Richard is a licensed nursing assistant, she's considered essential. She and another cosmetologist on staff can check the resident’s vital signs, while at the same time taking a little more off the top.Nursing homes nationwide are now adopting similar ideas.“It makes them not feel as depressed. It makes them have a different level of comfort. It makes them feel normal again,” Richard said about the cuts she’s been giving.Not only is she keeping seniors looking young, but she's also helping them stay young at heart. 2343

The tactics used to fight credit card scams are getting more sophisticated all the time. Unfortunately, so are the tactics used by credit card scammers.More than 2.3 million cases of fraud and identity theft were reported in 2019, according to the Federal Trade Commission — an increase of 26% from five years earlier and 138% in a decade. Credit card-related scams accounted for a significant chunk of those cases, including more than 40% of identity theft reports. And those were just the cases that were reported to law enforcement and consumer protection agencies.Whether they’re putting a new spin on an old scam or inventing a new scheme, calling on the phone or reaching out over the internet, credit card scammers are always lurking and looking to strike. Knowing how the most common scams work and how to avoid falling for them can keep your money and your identity safe.Here are six common credit card scams to watch out for.1. The charity scamThis credit card scam is a particularly cruel violation of people’s good-hearted instincts to help.Right after a tragedy like a hurricane, flood or wildfire, scammers get to work, calling or emailing and appealing to people to help victims with a donation. They’ll often pretend to be from a reputable charity like the Red Cross or the Salvation Army.When a “charity worker” calls with a detailed, sad story and asks for help, it can be hard to say no. The pleas for funds are often presented as urgent, too, to get people to cough up their credit card numbers quickly.HOW TO AVOID THE CHARITY SCAMIf you’re inclined to give money to help after a disaster, it’s best to do it proactively by contacting a charity yourself. You can check whether a charity is legitimate by using the IRS’ tax-exempt organization search or a resource like Charity Navigator.If someone calls you seeking a donation, don’t give your credit card information, even if it seems legitimate. Write down any information they give you, then politely hang up. Search the web for the phone number and put quotation marks around the number in your search. Often, you’ll find that the number that called you has been previously been identified as a scam caller. If the charity is legitimate and you want to help, donate directly through its website.2. The hotspot scamIt’s common advice to be careful when using a public Wi-Fi network, since crooks could be monitoring these networks. But sometimes the network itself is a trap, carefully laid by credit card scammers who are waiting to pounce on your information.In this credit card scam, your smartphone or laptop finds a “public Wi-Fi hotspot,” and when you connect to it, you’re prompted for credit card information to pay for internet access. The hotspot is fake, and you’re actually giving your credit card information directly to the scammers. In other cases, the hotspot is free and does offer internet access, but the scammers watch your every move. They record passwords you enter, peek into your bank account when you check it and capture your data in other ways.HOW TO AVOID THE HOTSPOT SCAMIf you need to access public Wi-Fi at a restaurant or store, ask an employee for the correct network name and password information. Be wary of generic-sounding names like “Free Public Wi-Fi.” Avoid logging into your bank account or providing any sensitive information if you can.Another way to protect yourself is to use a VPN or virtual private network. This creates a secure connection you can use even on unsecured public networks.3. The credit card ‘sign-up farm’ scamVictims of this credit card scam are often willing participants, duped by the promise of easy money for helping generate what they’re told are legitimate credit card rewards. In reality, it’s a scam to rip off card issuers, often on a massive scale. In May, federal prosecutors in New Jersey charged two men with running an elaborate “sign-up farm” that cost American Express more than million.People running these scams recruit people with good credit and offer to pay them for the use of their Social Security numbers to open credit card accounts. The scammers rack up huge balances on the cards to generate rewards points, convert the points to cash, then cancel the purchases. In some cases, they don’t even bother canceling, and the victim is left on the hook.Victims are typically promised payments of ,000 to ,000 for the use of their information, although some never get paid. And they’re usually told that the spending on the cards will be legitimate, even though the whole point is to defraud the issuer. Victims can wind up responsible for huge balances, see their credit trashed and have their own credit card and airline rewards accounts frozen.HOW TO AVOID THE SIGN-UP FARM SCAMThe lure of easy money can be hard for anyone to resist, and even more so for those who are struggling financially. But it’s wise to assume that easy money doesn’t exist.The simplest way to avoid falling victim to credit card farming scams is to never give or sell your Social Security number or any personally identifiable information to someone else. To make sure no one is using your identity to open accounts without your knowledge, check your credit report for any irregularities.4. The interest rate scamMillions of people are familiar with this classic robocall scam. You answer a phone call, often from an unknown number, and a recorded message gives you the great news that you’re eligible to negotiate significantly lower interest rates on your credit card balances. The message claims to have inside connections to credit card companies and can work on your behalf to reduce your payments by thousands of dollars. There are no such connections — the whole thing is a setup to get you to reveal your credit card information.If your interest is piqued enough to continue listening, you’ll be taken to a live operator. The “helpful” representative will quickly ask you sensitive questions to harvest your personal data and credit card information.In a slightly more legitimate — but still costly — variation of this scheme, the caller contacts the credit card company and successfully lowers your rate, and you get charged hundreds or thousands of dollars for the service. The problem is that they aren’t doing anything you couldn’t have done yourself for free. You have just as much clout with the credit card company as a third party when it comes to lowering your interest rate. Your issuer may give you the option to transfer your balance to a different card that offers a lower APR.“If you’re looking to reduce the interest rate you’re paying on your credit card purchases, your best bet is to handle it yourself for free,” says the Federal Trade Commission. “Call the customer service phone number on the back of your credit card and ask for a reduced rate.”HOW TO AVOID THE INTEREST RATE SCAMIf you want to lower your credit card interest rate, reach out to the issuer directly. It won’t hurt you to ask, even if they say no.If you do get a robocall promising to cut your rates — or any other offer that sounds too good to be true — just hang up. Never give out or confirm sensitive information to someone who calls out of the blue. To reduce sales calls, put your phone number on the National Do Not Call Registry, then keep in mind that legitimate businesses adhere to the registry while scammers don’t.5. The overcharge scamThis credit card scam is gaining ground as fewer transactions are handled in cash and more shopping moves online. It goes like this: You get a call or a text telling you that your credit card was overcharged on a recent purchase. How helpful! The problem is that it isn’t true. The scammer will ask a bunch of questions intended to get at your personal information.According to the Better Business Bureau, this scam is especially convincing because the scammers will often address the target by name. And with more and more small, everyday purchases being put on credit cards, the vague “recent purchase” angle becomes more convincing.HOW TO AVOID THE OVERCHARGE SCAMDon’t give sensitive personal information over the phone. Hang up. Check your credit card statement. If something there seems out of whack, contact your credit card issuer yourself by calling the number on the back of your card.6. The skim scamIt was hoped that the widespread adoption of EMV chip technology would wipe out skimming, but it has proved persistent. In fact, the latest data from the credit scoring company FICO found that the number of payment cards compromised at merchant card readers and ATMs increased 10% in 2017.A skimmer is a small electronic device installed by crooks on card readers on gas pumps, ATMs and elsewhere. The skimmer reads the information from the magnetic stripe on your credit or debit card when you swipe or insert the card. They can be hard to detect, and some of the newer ones are all but impossible to see with the naked eye.Skimmers are especially prevalent in tourist-heavy areas during high season. According to the Florida Department of Agriculture and Consumer Services, “it’s critical that people are aware of exactly what to look out for because each skimmer can defraud consumers up to a million dollars.”HOW TO AVOID THE SKIM SCAMThough skimmers are often well-concealed, sometimes you can tell that something looks off. Look for signs of tampering on ATM or gas station card readers, including devices attached on top of or beside the card slot. Move toward using a mobile wallet and contactless payments to avoid using your physical card.Check your account balances and transactions often. If you see something amiss, notify your credit card issuer right away to report the fraud.More From NerdWalletCan a Credit Card Company Lower My Credit Limit?Is It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 9936

The U.S. Department of Justice is at polling locations in 19 states to ensure federal voting rights laws are being followed. There are also thousands of people with civil rights and voting advocacy groups watching the polls. One place they're concerned about voter suppression is Dodge City, Kansas.Jose Vargas, Marilyn Horsch and Rita Schweitz all traveled to Dodge City to help voters.  "We were really angry and thought maybe there’s something we can do to help," says Schweitz, who flew in from Denver, CO.  They’re all here because they’re angry that the town’s polling place was moved, without much notice. They are calling it voter suppression.“Designed to frustrate the voter, to make people give up,” says Horsch.For years, the town’s polling place was right in the middle of Dodge City. But this year, the county election officer, citing construction projects, decided to move to a different location that is four miles away. The new location is outside city limits, and there’s no access to sidewalks and it’s cut off from public transportation.The ACLU sued Dodge City, asking a judge to force the county to open a second polling location for the town's 27,000 residents. A judge denied the request, so the ACLU emailed election officer Debbie Cox, asking for help publicizing a voter help line.The Wichita Eagle reported that Cox then sent that on to the Secretary of State's office, adding “LOL” to the email.So, volunteers like Jose Vargas, Marilyn Horsch and Rita Schweitz are offering bus rides from the old location to the new one to ensure voters get to the poll. They rented a bus to shuttle voters to ensure they’d be able to cast their votes. 1682

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