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The Bakersfield Police Department booked an Inglewood man Sunday night for murder and sexual assault charges in the case of a missing 13-year-old girl from Bakersfield.Further investigation led police to detain 24-year-old Armando Cruz of Inglewood, California for his involvement in the disappearance of Patricia Alatorre, who went missing July 1 at 11:30 p.m.The 13-year-old girl went missing in the area of Hosking Ave. and Wible Road, and according to police, Cruz is the owner of a white, older model pick-up last seen leaving the area at the same time and location Alatorre was last seen.BPD Detectives located and seized the vehicle and detained Cruz for further questioning in his involvement in Alatorre's disappearance.Cruz, was then arrested, just hours after being detained.Cruz faces 18 felonies and one misdemeanor. The charges include first-degree murder and sexual assault. This is a developing story. We will continue to update it as we learn more details. 981

State of Nevada “thinks” that they can send out illegal vote by mail ballots, creating a great Voter Fraud scenario for the State and the U.S. They can’t! If they do, “I think” I can hold up funds to the State. Sorry, but you must not cheat in elections. @RussVought45 @USTreasury— Donald J. Trump (@realDonaldTrump) May 20, 2020 337

Tens of thousands of children around the country will be getting a holiday puppy this year, but others will end up empty-handed and disappointed, ripped off by a puppy scam that has only gotten worse during the pandemic.So before you start looking for one, we have the warning signs a cute pup you find for sale is really a scam to steal your heart and your money.Penny Lloyd wanted to buy her kids a Yorkshire Terrier puppy -- a Yorkie -- for their home this Christmas."It was going to be a Christmas gift," she said.She found an ad on Facebook offering discount puppies."I saw this advertisement on Facebook, and I opened up the app and it said 'Yorkies for sale, half price, originally ,400 on sale for 0.'"It was a great price; so, she messaged the seller."I did, but I never got any response," Lloyd said.It's probably a good thing she never heard back, according to the Better Business Bureau, which says there is a good chance it was a scammer who would have asked for a deposit.That is what happened to Jo Standridge last year. She wired 0 via Western Union to a website -- now gone -- called Best Mini Shnauzers.com.That was the end of the seller, and of her puppy dreams."I tried to text him numerous times after that," she said. "Called him, couldn't get through. That was the end of the communications. Nothing."Puppy scam worsens during pandemicThe puppy scam has been around for more than five years, but the BBB says this year it's getting worse because so many people want either a "pandemic puppy" or a holiday puppy.Sara Kemerer of the Better Business Bureau said real puppy photos get reposted at counterfeit websites."It's very easy for scammers to steal a video or picture of a pet from the internet to make the pet seem real," she said.But the pups are always out of town, and the seller will ask hundreds of dollars for shipping and insurance.Once you wire them the money, they and their ad disappear.How to protect yourselfSo what can you do? Kemerer says ask for video of the seller with the pup. Ask them to hold it up in front of their phone."You can ask the breeder to do a video call using FaceTime, Zoom, or Skype to see if that pet is actually real," she said.Chances are Penny Lloyd's Yorkie seller would have refused, because he never had any puppies.Warning signs include:The dog is out of town, and you cannot see it in personThe breeder needs to ship it to youThe breeder needs money for shipping and insuranceThe seller will not take a credit card (where a fraudulent charge can be disputed)The seller cannot do a Zoom or Facetime video with you where he is holding the puppy (because he has no puppy)The best way to avoid a puppy scam is to shop local and avoid any puppy that has to be shipped to you.Or better yet, adopt an unwanted dog so you don't waste your money.__________________________Don't Waste Your Money" is \a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3133

Student loan borrowers getting a break on their payments right now are seeing an additional benefit. Their credit scores are going up.The average credit score of all student loan borrowers increased from 647 in March to 656 in June, according to a report from the Federal Bank of New York.Student loans can typically have a significant impact on your credit score if you have a lot of this debt, but your payment history accounts for the biggest part of your credit score.It's important to remember this pause on payments is only until the end of the year, currently.You need to prepare now for when those payments will start again and using a higher credit score now could help.“As your score improves, if that's the case, to shop around and move other high interest debt into lower interest rate accounts, if you're qualifying for those,” said Bruce McClary with the National Foundation for Credit Counseling.It's not just student loan debt people are figuring out how to manage. The average person working with a nonprofit credit counseling agency right now is coming in with ,000 in credit card debt spread across five credit cards. That's up from last year.“There's this insular bubble right now that's still relatively intact that's keeping people a float,” said McClary. “What we're fully expecting is when that ends, when that comes to a screeching halt, if the current situation with unemployment doesn't improve much more, there's going to be a floodtide of demand for the services that we're offering.”If your student loan payments are on hold, make sure you're checking your credit score regularly.Credit counseling experts say it's not widespread, but they have been seeing some issues of payments not being reported correctly.You can check for free weekly at AnnualCreditReport.com. 1807

Starbucks wants to transform some of its stores to prioritize customers who order online, according to an SEC filing.The coffee chain says it is accelerating plans to improve drive-thru and curbside pick-up options due to the coronavirus pandemic.In its filing, Starbucks says it plans to open 300 locations that "specialize" in pick-up and carry-out orders. The company also says the move will require the closure of about 400 of its current cafes.Starbucks says it will make the change over the next 18 months.CNN reports that Starbucks was already re-evaluating its strategy prior to the pandemic, as "80% of transactions at nearly 15,000 US stores are 'on-the-go' purchases."At the peak of the pandemic, when local governments forced the closure of restaurant dining rooms, Starbucks continued to operate many of its locations exclusively through drive-thrus and online ordering. 891

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