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Whistleblower Frances Haugen to testify as UK scrutinizes Facebook
Former Facebook data scientist Frances Haugen plans to answer questions Monday from lawmakers in the United Kingdom who are working on legislation to rein in the power of social media companies.
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nypost.com
Jamie Chung and Bryan Greenberg announce they secretly welcomed twins
The "One Tree Hill" alum announced the news on social media with a video of himself holding the newborns. "We got double the trouble now," he joked.
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nypost.com
‘Succession’s Relevant Doughnuts are the Most Meaningful Food Items of 2021
We're bagel people now.
nypost.com
Donald Trump just savaged a(nother) American hero
Less than a week after deriding Colin Powell as a "classic RINO" days after the late general's death, former President Donald Trump spent Sunday afternoon running down another American military hero: John McCain.
edition.cnn.com
Who Is Lyna Khoudri? 'The French Dispatch' Star's Top Movies and TV Shows
Lyna Khoudri acts opposite Timothée Chalamet in Wes Anderson's new movie "The French Dispatch," but has been working in movies for awhile.
newsweek.com
Former Facebook executive says leaked documents show platform's harm
We’re getting an inside look at more of the massive trove of leaked documents from embattled tech giant Facebook. CBS News, along with a consortium of other new outlets, reviewed thousands of pages of internal research, employee comments and presentations. They suggest the company was aware its platforms -- Facebook, Instagram and WhatsApp -- can fuel hate, polarization, conspiracy theories and misinformation but at times did little to stop it. Laurie Segall reports. ​
cbsnews.com
Lakers overcome Morant's 40-points, beat Grizzlies 121-118
Carmelo Anthony got the game ball after the Los Angeles Lakers’ first victory of the season.
foxnews.com
Fletcher Cox furious at Eagles defensive coordinator; could Jonathan Gannon's job be in jeopardy?
Can Eagles defensive coordinator Jonathan Gannon survive in his role much longer after DT Fletcher Cox openly questioning Gannon's play-calling?       
usatoday.com
A man fraudulently received COVID relief funds. Then he spent $57,000 on a Pokémon card.
A Georgia man, Vinath Oudomsine, faces up to 20 years in prison after using over $50,000 of his COVID relief funds on a Pokémon card.       
usatoday.com
Rain, flooding and mudslides: California storms fueled by 'bomb cyclone' headed for East Coast
As California continues to get pounded by a bomb cyclone, the system is moving across the US and will likely bring flooding to the Northeast.       
usatoday.com
Paulina Porizkova settles with Ric Ocasek estate: ‘I am gonna be fine’
"I settled last week with the estate. They were very fair. They gave me what is mine under New York state law, and we're done."
nypost.com
Biden administration boosting at-home Covid testing efforts
The Biden administration is taking steps to boost access to over-the-counter Covid-19 testing, the Department of Health and Human Services announced Monday.
edition.cnn.com
Sorokin, Islanders beat Vegas 2-0 for 2nd straight shutout
Ilya Sorokin made 42 saves, Josh Bailey and Matthew Barzal scored and the New York Islanders beat the Vegas Golden Knights 2-0 Sunday night.
foxnews.com
Cheerleader Makayla Noble Feeds Herself for First Time Since Accident
Noble is currently in rehab after suffering a severe spinal cord injury that left her paralyzed from the chest down.
newsweek.com
U.S. labor union worker strikes demand better pay, benefits and working conditions
Labor experts say more than 24,000 American workers have walked off the job this month in labor union strikes. Karl Evers-Hillstrom, business and lobbying reporter at The Hill, joins CBSN to discuss.
cbsnews.com
Pups parade their best Halloween costumes for fundraiser
The parade raised money for the community library in Northvale, New Jersey.      
usatoday.com
Facebook whistleblower Frances Haugen to answer questions from UK lawmakers
Former Facebook data scientist turned whistleblower Frances Haugen plans to answer questions Monday from lawmakers in the United Kingdom who are working on legislation to rein in the power of social media companies.
foxnews.com
Stephen Curry reaches 5,000 assists, Warriors beat Kings
Stephen Curry scored 27 points and became the first player in Warriors franchise history to reach 5,000 assists, helping Golden State improve to 3-0 with a 119-107 victory over the Sacramento Kings on Sunday night.
foxnews.com
Chemawa Indian School families seek answers, healing through federal investigation
For generations, Native families have struggled to discover what happened to their ancestors at federal Indian schools, including Oregon's Chemawa.       
usatoday.com
‘Isis’ actress JoAnna Cameron, Saturday morning star, dead at 70
Striking brunette starred in the early DC Comics' cult classic Saturday morning series "The Secrets of Isis." She died in Hawaii due to complications from a stroke. 
nypost.com
Cards replacing Shildt with bench coach Marmol
The St. Louis Cardinals plan to announce Monday that bench coach Oliver Marmol will be promoted to replace fired manager Mike Shildt, according to a person familiar with the decision.
foxnews.com
Why you should teach your kids about different religions
An expert gives tips on how parents can raise more empathetic and worldly children through teaching them about religions and cultures.
washingtonpost.com
The 14-inch MacBook Pro blends incredible power with all the right throwbacks
The new 14-inch MacBook Pro delivers incredibly fast performance, a gorgeous display and lots of useful ports.
edition.cnn.com
Pretty and powerful, are Apple's new MacBook Pro laptop computers made for you?
On Tuesday, Apple launches its latest MacBook Pro notebook computers. They're pretty and powerful, but are they right for you?      
usatoday.com
The best Halloween candy according to our staff
From fun-size Snickers to Sour Patch Kids, we're very particular about our Halloween candy.
washingtonpost.com
What's on TV Monday: '4400' premiere and "All American" season premiere on The CW
What to watch Monday, Oct. 25: The premiere of '4400' and season premiere of "All American" on The CW; 'Yes We Did: The Vital Voices of 2021' on OWN
latimes.com
10 best haunted attractions across the country, according to readers
Scares await this Halloween at the 10 best haunted attractions across the United States, as voted by readers in the 2021 Readers' Choice Awards.       
usatoday.com
The last time America broke apart: How author Kevin Boyle retold the 1960s
The award-winning author of 'Arc of Justice' talks about his new book, 'The Shattering,' and how he came to write history for people like his father.
latimes.com
Facing a Setback? 16 Surefire Ways to Rebuild Team Trust
In order to maintain credibility in the face of obstacles, leaders must learn to embrace honesty and vulnerability.
newsweek.com
How zoos persuade animals to get the coronavirus vaccine. (M&Ms and ice cream help.)
From California to D.C., zoos have begun vaccinating big cats, canines, bears and more.
washingtonpost.com
Mexico’s Scientific Community Is Facing Unprecedented Threats From the Government
Scientists around the world fear the Mexican government is trying to send a message to those who would dare question it.
slate.com
Why do banks charge a fee for not having enough money?
Overdraft fees can feel like a trap, especially for low-income customers. | Getty Images Overdraft fees, and how to protect yourself from them, explained. Citing the impact of Covid-19 on many consumers’ finances, some banks, including Ally Bank and KeyBank, have stopped charging overdraft fees or have offered relief from them. Other banks, however, have gone in a different direction. Between March 13, 2020, and September 20, 2021, account holders filed over 1,600 complaints against various banks to the Consumer Financial Protection Bureau (CFPB) about overdraft fees, the agency’s records show. “Wells Fargo picks and chooses when they are going to charge overdraft fees and when they are going to pay a bill or not,” one complaint filed against Wells Fargo on September 1, 2021, reads. “I will go to sleep and my account [is] positive and there is enough to cover pending charges. Then all of sudden days later the date of the [charge] is changed and I have been charged an overdraft fee. They have recently even had notices within the app that says your balance amount may not be accurate.” These fees, which can be as high as $35 per overdraft transaction, are an incredible hardship for some consumers. As the complaint continues, “I have a second chance checking account and because of some hardships I am limited in who I can bank with. I feel like Wells Fargo takes advantage of the underprivileged.” Overdraft fees composed $2.32 billion of those service charges in Q4, a 64 percent spike from Q2 2020 Though some US banks temporarily paused on charging overdraft and other service fees, an analysis of banks with more than $1 billion in assets and some smaller institutions that chose to disclose data suggests that banks are on their way to charging service fees at pre-pandemic levels even as the Covid-19 pandemic resurges. A March 2021 report from S&P Global Market Intelligence indicated that banks collected $3.6 billion in service fees in the fourth financial quarter of 2020. Overdraft fees composed $2.32 billion of those service charges in the quarter, a 64 percent spike from just six months prior in the second quarter of 2020, the report noted. Put simply, these fees amount to another tax on the poor, an extraction from the country’s poorest Americans to its wealthiest banks, experts say. Overdraft fees are meant to safeguard banks from risks associated with covering account holders’ overspending, but they can disproportionately hurt low-income consumers who need protection the most, experts told Vox. Lawmakers and advocacy groups had called for the curtailing of these fees even before the Covid-19 pandemic disrupted the US economy. Now, the call to regulate bank fees has returned as the coronavirus crisis continues to upend consumers’ financial lives. Why do banks charge account maintenance and overdraft fees? The FDIC defines overdraft fees as a fee assessed whenever an account holder spends more than what’s in their account. Banks may also charge an account maintenance fee, also known as monthly service fees, just for having the account or for falling below a certain minimum balance, per the FDIC. Banks, of course, can charge a range of other fees, including ATM use fees, per-check fees, and stop-payment fees. It’s hard to pinpoint when banks began charging overdraft fees in the US. Vox reached out to JPMorgan Chase, Wells Fargo, and Bank of America to ask when they started charging account maintenance and overdraft fees, but none of them shared when they implemented these charges. According to a 2020 report from the Center for Responsible Lending, banks historically declined debit card charges when account holders lacked the funds to cover charges. But over time, banks — at the urging of software consultants who were promoting overdraft programs on a contingency fee basis — began allowing overdraft transactions to go through and charging customers fees. “I think that at some point it was clear that it was a helpful situation, so that bills didn’t bounce, checks didn’t bounce, mortgage payments didn’t bounce,” said Peter Smith, senior researcher at the Center for Responsible Lending. “This was a fairly informal service, but when people started using debit cards more [and] people started using electronic payments more, I think banks began to see this as an opportunity for revenue and not just a convenience service they could offer their account holders.” “I think banks began to see this as an opportunity for revenue and not just a convenience service they could offer their account holders” Though overdraft fees can be costly for low-income households, they make up a small share of banks’ overall income. Per the Center for Responsible Lending’s analysis, bank overdraft fees average $35. That fee tends to be higher than the value of the transaction that triggers it, which is $20 on average. For banks with assets of $1 billion or more, overdraft or insufficient funds fees are about 5 percent of their non-interest income, the report noted. Banks charge overdraft fees to account for the risks associated with covering charges on overdrawn accounts, said Deeksha Gupta, assistant professor of finance at the Tepper School of Business at Carnegie Mellon University. Though banks are profitable without charging these fees, they want to avoid risks for paying merchants’ charges and deter account holders from overspending, Gupta said. Bank fees’ impact on vulnerable consumers Banks don’t want to take on the risks of covering consumers’ overdrawn transactions, but it remains up for debate whether the fee is truly worth it given its impact on low-income consumers. Overdraft fees tend to prey upon low-income consumers, Rebecca Borné, senior policy counsel at the Center for Responsible Lending, said. The center’s 2020 report found that 9 percent of bank account holders pay 84 percent of the more than $11 billion overdraft fees banks collect every year. Borné said while other fees serve a function — it does cost banks to administer checking accounts, rendering account maintenance fees somewhat necessary, for instance — with overdraft, the effect is different. Besides charging a high overdraft fee per transaction with insufficient funds, banks engage in a range of practices that can leave customers with compounding overdraft fees, including charging more than one fee per day, charging fees for debit card purchases and ATM withdrawals, and imposing another overdraft fee if previous fees aren’t paid within a set period of time, the Center for Responsible Lending’s report explained. As some banks resume charging overdraft fees, pre-pandemic research suggests such fees play a role in excluding unbanked consumers from accessing traditional bank accounts. According to the FDIC’s 2019 How America Banks report, about 5.4 percent (7.1 million) of US households were unbanked, meaning nobody in the household had a checking or savings account at a bank or credit union. Among the reasons why respondents said they don’t have a bank account: Almost half of respondents said they don’t have enough money to meet minimum balance requirements, and more than a third said bank account fees are too high. Complaints filed to the CFPB offer a window into consumers’ struggles with overdraft charges. “In ... 2021, US Bank had enrolled me into an overdraft protection program which I never authorized. One time I was out traveling and forgot to put money in my checking account, and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee,” reads one complaint filed August 27 against US Bancorp. “The majority of these transactions are below [$10]. Instead of declining these charges, US Bank charged me a series of overdraft fees, each of them [$36]. In the end, the total overdraft fees ended up being [$360] for over a couple of days. They waived three of them, bringing my loss down to [$250] ... Talking to their customer service, they never offered an option to opt out of their overdraft ‘protection’ program. They offered some even more predatory protection options instead which I declined.” With bank fees pushing consumers away from traditional bank accounts, vulnerable consumers may be driven to use even costlier alternative financial services. According to a May 2020 Federal Reserve report, 16 percent of US adults were underbanked in 2019, meaning they had a traditional bank account, but also used alternative financial services like check cashing services, money orders, and payday loans. The report also noted that unbanked and underbanked Americans were more likely to have lower education levels, be people of color, or have lower incomes. For consumers who are worried about overdraft fees, they’d rather turn to riskier alternatives instead. As for why consumers turn to alternative financial services, some consumers have no other option, and these alternatives are actively targeting them. The Federal Reserve report noted that 43 percent of credit applicants with incomes of less than $40,000 were denied credit, compared to 9 percent of applicants who earn more than $100,000. Even for underbanked consumers who have traditional bank accounts, payday lenders and other high-cost installment lenders aggressively target customers in low-income neighborhoods, communities of color, and people who need extra cash, Borné wrote in a follow-up email. Meanwhile, banks don’t always offer affordable small loans for consumers, and they have little incentive to do so because regulators can allow them to charge high overdraft fees for each overdraft, she added. “Those who go to payday lenders because they believe they will be in and out of the loan quickly are often stuck for the long term, incurring a lot of overdraft fees when the payments are extracted from their accounts,” Borné wrote. “Ultimately, they often lose their accounts. These wealth-draining products tend to feed each other, creating needs rather than filling them, and leaving customers with fewer credit options down the line.” “These wealth-draining products tend to feed each other, creating needs rather than filling them” Gupta agreed underbanked and unbanked consumers are often forced to turn to more expensive alternatives. As the coronavirus pandemic continues with no discernible end in sight and assistance programs come to an end, overdraft and account maintenance fees can compound for households that are struggling now, she added. “Ideally, the banking system should be helping low-income consumers. We don’t want that type of money to be flowing from lower-income households to banks because they’re in overdraft,” Gupta said of the billions of dollars in overdraft charges. Even though overdraft fees and other service charges make up a small share of major banks’ revenue, some experts questioned whether limiting these fees would disincentivize banks from offering affordable financial services that could attract low-income consumers. As Gupta explained, some banks could opt not to offer certain affordable bank accounts to avoid taking on additional risk. An April paper from the Consumer Financial Protection Bureau also suggested that capping overdraft fees could cause banks to offer fewer affordable account options for low-income people. What to do if you’re being charged too much in overdraft fees Banks could do a better job of disclosing bank fees to consumers, said Desmond Brown, assistant director of the CFPB’s office of consumer education. He said depending on the institution, overdraft fees can be structured in a complex way. Some bank accounts offer the option to opt in to overdraft fees, so consumers should see whether it’s an option to opt out when looking for a new account. When signing up for a new account, Brown said, consumers concerned about fees should shop around and ask for bank accounts that are tailored to low-income consumers and learn about the bank’s cost structures. Consumers can also look for banks that provide alerts when their funds are low, he added. Brown also encouraged consumers to file complaints with the agency if they’re experiencing fee problems with their bank. Doing so not only allows CFPB to assist consumers directly, but it also helps the agency assess issues happening in the marketplace, he said. “If we have seen a spike in an area of complaints, then we can look to other tools at the bureau to help drill down and find out exactly what’s going on, and be more responsive to consumer needs,” Brown said. For consumers looking for affordable bank accounts, Brown pointed to the FDIC’s Model Safe Accounts program, which works with banks to determine how they can offer affordable bank accounts. Some financial services firms offer accounts with no overdraft or account maintenance fees. (In their respective statements, JPMorgan Chase said during the pandemic it has waived $650 million in fees, including overdraft fees, between January 2020 and March 2021; and Wells Fargo touted its low-cost, no-overdraft-fee bank account, its zero balance alerts, and its overdraft fee waivers.) “We’re talking about billions of dollars every single year being drained, disproportionately from Black and brown communities” When asked what the agency is doing to assist consumers who’ve been charged excessive overdraft fees, a CFPB spokesperson said, “Overdrafts have the potential to be very costly for consumers, and we are continuing to closely monitor developments in this area.” But as consumers file complaints or seek low-cost bank accounts on their own, advocacy groups and lawmakers have pushed for more restrictions on overdraft fees. On June 30, Rep. Carolyn Maloney (D-NY) introduced the Overdraft Protection Act of 2021, a bill that aims to regulate the marketing and charging of overdraft fees at financial firms. During a House Committee on Financial Services hearing on July 21, Borné provided a statement on behalf of the Center for Responsible Lending calling for Congress to hold regulatory agencies like the CFPB to protect consumers from harmful overdraft fee practices. “What to me is especially frustrating is that financial inclusion is all the buzz in a lot of circles. I feel like in a lot of these conversations people just try to talk around the elephant in the room, which are bank overdraft practices,” said Borné. “We’re talking about billions of dollars every single year being drained, disproportionately from Black and brown communities, and kicking people out of the banking system, eroding trust in banks. It’s just a huge barrier to real financial inclusion.”
vox.com
Facebook researchers saw how its algorithms led to misinformation
Facebook researchers in 2019 created three dummy accounts to study the platform's technology for recommending content in the News Feed.
cbsnews.com
3 striking findings from the Facebook Papers investigation
Internal documents offer an unprecedented look at how the company weighs profit versus safety.
washingtonpost.com
Russian hackers targeting US networks in ‘very large and ongoing’ cyberattack
Russian-linked hackers blamed for the massive cyberattack on the US last year have been targeting hundreds of companies and organizations in its latest wave of attacks on US-based computer networks.
nypost.com
Three generations of Black women overcome boundaries and setbacks with love
The story of the Little family women is one of perseverance, of pushing further than the previous generation and yet still starting from behind.
latimes.com
Alec Baldwin Shooting: Director's Affidavit Details Five Key Moments on Set
The affidavit, filed by Santa Fe County Sheriff's Office and quoting the movie's director Joel Souza, describes events before the prop gun was fired, killing Halyna Hutchins.
newsweek.com
‘Friends’ Actor James Michael Tyler Dies at 59, Costars Pay Tribute
"The size of gratitude you brought into the room and showed every day on set is the size of the gratitude I hold for having known you."
nypost.com
Bad Managers Are Making the Labor Crisis Worse
With quit rates soaring, companies can’t afford to let lousy bosses be one more reason for workers to leave.
washingtonpost.com
Can Lifestyle Changes Remove Plaques in Your Arteries?
Diet, smoking cessation, stress management and exercise can decrease the size of atherosclerotic plaques and help to stabilize them so that you are less likely to have a heart attack.
nytimes.com
Lower premiums, more choices on Obamacare exchanges for 2022 as Democrats battle to extend generous subsidies
Consumers shopping for health coverage on the federal Affordable Care Act exchanges can likely find lower premiums and more choices for 2022 -- as well as generous government assistance, according to a Biden administration report released Monday.
edition.cnn.com
Can You Miss the Signs of Heart Disease or a Heart Attack?
It’s not always easy to tell if you have heart disease or have had a heart attack.
nytimes.com
Is an Ice Cream Binge Bad for the Heart?
A reader asks: Is there a cardiovascular difference between eating a pint of ice cream in one sitting versus eating it over a week?
nytimes.com
Wave of Cyber Attacks Hitting American Companies, Microsoft Warns
Microsoft has accused the Russian hacking group Nobelium as being responsible for the attack.
newsweek.com
The Past and Future of People’s Park
Leaders at the University of California have decided to build dorms on the storied park in Berkeley.
nytimes.com
Why Michelle Obama encouraged former President Obama to spend more time with Bruce Springsteen
Former President Barack Obama and singer-songwriter Bruce Springsteen sat down with Anthony Mason to discuss their new book, "Renegades: Born in the USA," which continues the conversations from their podcast of the same name. They discuss race, the state of the country, Springsteen's Broadway show, and the influence of their wives.
cbsnews.com
After lackluster March loss, Jonathan Martinez glad to get confidence back
Take a look inside Jonathan Martinez's win over Zviad Lazishvili at UFC Fight Night 196 in Las Vegas.      Related StoriesFight Tracks: The walkout songs of UFC Fight Night 196 with The Beatles and three classic movie themesTwitter reacts to Marvin Vettori's win over Paulo Costa in classic at UFC Fight Night 1964 biggest takeaways from UFC Fight Night 196: Paulo Costa owed no leniency 
usatoday.com
Snoop Dogg mourns death of his mother Beverly Tate: 'Thank u god for giving me an angel'
Rapper Snoop Dogg showed his heart paying tribute to his mother, Beverly Tate, who died: "Mama thank u for having me."       
usatoday.com