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Is your computer running slow?Does it take longer to start up?It could be something minor, or it could mean hackers have gotten in and are recording your every keystroke.Data Doctors expert Ken Colburn says most of the time, you'd never know the difference.It can happen if you go to an unknown website. Or you could click on a link. Maybe it's a free download your child wanted. It could be something sent from a trusted friend who didn't know they'd been hacked.Make sure your computer protection software is up to date.If your computer is noticeably slower or you have other obvious signs, you may want to change passwords on a different computer.And you should consider taking your computer to an expert to be scrubbed.Click here for more ways to tell if your computer may have been hacked. 807
It is a county-approved program that is supposed to help you pay for energy efficient home improvements, but some homeowners blame the program for big tax increases they cannot pay. At least three homeowners who received financing through the PACE (Property Assessed Clean Energy) program say they were misled. The PACE program allows you to pay for home improvements, like solar panels, through your property taxes. Maria Silva said her Del Cerro home is her life. “It’s very important… it’s my home for 28 years,” Silva said. It is a home she is in danger of losing. Silva said it started with a man coming to her doorstep about two years ago. Silva said he offered a deal on home improvement projects like double pane windows. At first, she said no. However, she said the salesman was persistent. For Silva, it was more than a money problem. She is legally blind. She wanted to wait for her son. “He told me well, this promotion ends,” Silva said of the salesman. She said she told the man she was visually impaired, but he told her not to worry and he “was going to read everything for [her].” She did not want to miss out on what she thought was a good deal. At the time, Silva said she was told she would be paying no more than ,000 a year. Silva said she understood the payment would be going on her property tax, but when she got the bill, it showed an increase of more than ,000 this year. “It seems very predatory,” said her son, Allan Silva. On top of that, Allan Silva says the company who upgraded their air conditioning unit never removed the old one like promised. “It kind of seems like some shady things happened to my mom,” Allan Silva said. Carolyn Reilly with Elder Law and Advocacy has heard of deception with this program. “They're telling them it's a free product, it's a free government program,” Reilly said. Reilly said loans are approved for seniors on fixed incomes who cannot afford them and she’s handling many cases from the elderly who say financing was not explained. “They're desperate because at some point, it's going to lead to foreclosure for them,” Reilly said. One Poway woman, who did not want to use her name, said she wound up with a ,000 bill added to her taxes. She said A1 Solar sold she and her husband on solar panels, but she had no idea a lien would be placed on her home in addition to increased taxes. She also alleges that her husband was not the one who signed the documents. “I was not happy with the salesman coming in and going to the computer and signing Jim's name to the documents. I don't think Jim fully understood what was happening,” she said. Her husband, Jim, is dealing with numerous medical issues. Michele Glen is their caretaker and also signed on with A1 Solar. Team 10 examined the contracts, which say the amount would be added to the homeowner’s property tax. However, Glen said the salesman “rushed [them] through it.” “He says, everything is fine,” Glen said. Team 10 called the salesman they say went to their home. He said he had nothing to do with A1 Solar and hung up before Team 10 could ask any more questions. According to the Contractors State License Board, A1 Solar’s license was suspended for multiple complaints, including misrepresentation to obtain a contract. A lawyer who worked for the company says A1 Solar is now out of business. San Diego County Supervisor Dianne Jacob said the PACE program has generated about 0 million in projects and has created thousands of jobs. She has received a few complaints, but believes overall, the program is working. “Frankly, if there are bad apples in the barrel, you need to get them out of the barrels,” Jacob said. She told Team 10 the county will continue with the PACE program because overall it has “been very helpful to a lot of people.” Experts at the Approved Home Pros, a contractor’s association, say the PACE program can be a good fit for some homeowners, but it is important to be educated before committing to it. Recently, Governor Brown signed legislation that aims to provide more oversight and strengthen consumer protections with the PACE program. 4297

IRVINE, Calif. (KGTV) -- A new study claims that hookah could be more dangerous than other forms of smoking. According to the University of California study, one in five college students in the US and Europe have tried it. According to researchers who conducted the study, one draw from a pipe can contain as many substances as an entire cigarette. “Hookah mainstream smoke – that which is directly inhaled by the user – has many toxic and harmful chemicals, such as nicotine, which can lead to tobacco addiction; irritating carbonyl compounds; and benzine, a known carcinogen,” said lead author Veronique Perraud, a UCI assistant project scientist in the Department of Chemistry. “And due to the greater volume inhaled for every puff and the longer duration of a smoking session, the hookah oftentimes delivers a higher dose of those chemicals to the smoker.”The study also found that the hookah produces an outsized amount of carbon monoxide mainly due to the burning charcoal. According to the university, the study is the first to look at ultrafine particles. Particles researchers say pose a significant health risk. “One of the big myths about hookah usage is that the water in the bowl actually filters out the toxic chemicals, providing a shield for the smoker,” Perraud noted. “In the study, we show that this is not the case for most of the gases and that, possibly due to its cooling effect, water actually promotes ultrafine particle formation.” 1465
It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326
It's a day dedicated to your favorite toppings placed between two slices of bread. Sandwich shops across the country are observing the day with free and discounted food.Here's how you can get in on a cheaper sandwich and commemorate the day.Subway 255
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