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This pandemic holiday season, the last thing you need is too have your power disconnected.But Lisa Shook , who manages a home inspection company, recently got a call from someone claiming to be with their electric company."He said he was going to be in our driveway to cut off our services," she said.Shook handed the phone to owner Rob Wells, who was told he was behind on his bill, and would be cut off if he didn't pay immediately."He said we needed to pay 7 or they would disconnect the electric," Wells said, saying the man demanded a debit or credit card number.It sounded legit, as the caller knew the name of his business, and more.So this expert who normally inspects houses inspected his records, and realized he was not behind on his bill after all.But it may have been too late: Someone emptied his debit card a short time later."Everything got hacked, my credit card, everything," he said.It was all a scam. He is now working with his bank to repair the fraud charges.Easy to believe the caller's claimsLast year, one church almost lost ,000.Donald Kincaid is an Episcopal church groundskeeeper. He was shocked when he received a call from the power company claiming the church had fallen behind on its electric bill."The caller said that the gas and electric would be cut off in about a half an hour because the bill hadn't been paid," he said.The caller couldn't have been more clear. Unless the church paid the money immediately, workers would shut its power off.The caller said that to avert a shutoff, Kincaid needed to buy nearly ,000 in Green Dot Visa cards" and send it to them, giving them the number on the card."The church almost fell for the power disconnect scam, which targets homeowners, small businesses and now churches.Energy companies around the country remind customers that they will never call you threatening immediate disconnection.Duke Energy spokesman Lee Freedman says if you are behind on your bill, they will send you several notices first, and will never demand you pay immediately by debit or gift card.So hang up, and call your provider at the number on your bill, not the number the call came from.As always, 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 2494

Thousands of people are expected to pay their respects at the Supreme Court to the late Justice Ruth Bader Ginsburg, the women’s rights champion, leader of the court’s liberal bloc and feminist icon who died last week.Even with the court closed to the public because of the coronavirus pandemic and Washington already consumed with talk of Ginsburg’s replacement, the justice’s former colleagues, family, close friends and the public will have the chance Wednesday and Thursday to pass by the casket of the second woman to serve on the Supreme Court.The sad occasion is expected to bring together the remaining eight justices for the first time since the building was closed in March and they resorted to meetings by telephone.Ginsburg will lie in repose for two days at the court where she served for 27 years and, before that, argued six cases for gender equality in the 1970s.Following a private ceremony Wednesday in the court’s Great Hall, her casket will be moved outside the building to the top of the court’s front steps so that public mourners can pay their respects in line with public health guidance for the pandemic.Since her death Friday evening, people have been leaving flowers, notes, placards and all manner of Ginsburg paraphernalia outside the court in tribute to the woman who became known in her final years as the “Notorious RBG.” Court workers cleared away the items and cleaned the court plaza and sidewalk in advance of Wednesday’s ceremony.Following past practice at the tradition-laden court, Ginsburg’s casket is expected to arrive just before 9:30 a.m. EDT Wednesday, the court said. Supreme Court police will carry it up the court steps, which will be lined former Ginsburg law clerks serving as honorary pallbearers.Chief Justice John Roberts and the other justices will be in the Great Hall when the casket arrives and is placed on the Lincoln Catafalque, the platform on which President Abraham Lincoln’s coffin rested in the Capitol rotunda in 1865. A 2016 portrait of Ginsburg by artist Constance P. Beaty will be displayed nearby.It’s unclear whether President Donald Trump would visit the court before he leaves town Wednesday afternoon, though he did pay respects when Justice John Paul Stevens died last year and President Barack Obama visited the court after Justice Antonin Scalia’s death in 2016.The entrance to the courtroom, along with Ginsburg’s chair and place on the bench next to Roberts, have been draped in black, a longstanding court custom. These visual signs of mourning, which in years past have reinforced the sense of loss, will largely go unseen this year. The court begins its new term Oct. 5, but the justices will not be in the courtroom and instead will hear arguments by phone.After the private ceremony inside the court, Ginsburg’s casket will be on public view from 11 a.m. to 10 p.m. Wednesday and 9 a.m. to 10 p.m. Thursday.On Friday, Ginsburg will lie in state at the Capitol, the first woman to do so and only the second Supreme Court justice after William Howard Taft. Taft had also been president. Rosa Parks, a private citizen as opposed to a government official, is the only woman who has lain in honor at the Capitol.Ginsburg will be buried beside her husband, Martin, in a private ceremony at Arlington National Cemetery next week. Martin Ginsburg died in 2010. She is survived by a son and a daughter, four grandchildren, two step-grandchildren and a great-grandchild.Ginsburg’s death from cancer at age 87 has added another layer of tumult to an already chaotic election year. Trump and Senate Republicans are plowing ahead with plans to have a new justice on the bench, perhaps before the Nov. 3 election.Only Chief Justice Roger Taney, who died in October 1864, died closer to a presidential election. Lincoln waited until December to nominate his replacement, Salmon Chase, who was confirmed the same day.When Scalia, Ginsburg’s closest friend on the court, died unexpectedly in 2016, Republicans refused to act on President Barack Obama’s high-court nomination of Judge Merrick Garland. 4075

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.What is coveredCoronavirus coverage falls into several categories:Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.Trip delay: Your trip is delayed due to changing COVID-related guidelines.Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.Of providers that are offering COVID policies, most are covering these expenses.What is not coveredCountries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the countrydoes not have a Level 4 advisory.Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade, which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you’re interested in this add-on.COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.Finding travel insurers covering COVID-19Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, travelers’ ages and other various details. Travel insurance comparison site Squaremouth is one of the very few comparison sites that allow you to filter by policies that offer coronavirus coverage.To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”In our example, we will input the following details: A ,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.When incorporating the “Coronavirus Pandemic” filter, the results reveal that 40 out of 84 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is ,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.1% to 5.4% of the total trip cost. This range represents very typical travel insurance costs.The bottom lineOnce you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered. If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.More From NerdWalletWhy You Shouldn’t Book Airfare in Advance Right NowShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite AirlinesElina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. Twitter: @elina_geller. 4952

Travis Reinking, the man accused of killing four people at a Nashville-area Waffle House on Sunday, is now in custody, Metro Nashville police said Monday. The arrest in a wooded area behind an apartment complex capped a day-long manhunt for the suspect police say unloaded an assault-style rifle at the restaurant in Antioch early Sunday morning.The tragedy sparked a cycle of shock, grief and anxiety among residents throughout Nashville.Nashville public schools started "lock-out" procedures Monday while Reinking was on the loose. Police warned residents to keep their doors locked.It's not clear what Reinking did during his roughly 35 hours on the run. 665

TORONTO (AP) -- The Toronto Raptors selected 6-foot-1 San Diego State guard Malachi Flynn 29th overall in the NBA draft, and 6-foot-5 Nevada guard Jalen Harris 59th.The Raptors face some uncertainty at point guard. Toronto hopes to re-sign free agent Fred VanVleet, while six-time All-Star Kyle Lowry, now 34, has one year remaining on his contract.Flynn began his college career with two seasons at Washington State before playing his junior season with the Aztecs.Flynn averaged 15.8 points per game in his final season with the Cougars, and boosted that to 17.6 points as a junior at SDSU, adding 5.1 assists and 4.5 rebounds.The 22-year-old Flynn was named the 2019-20 Mountain West Player of the Year and the conference's Defensive Player of the Year. 764