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Tag: 5 on Your Side

  • NC insurance commissioner: The cost of renters’ insurance is well worth it

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    Raleigh, NC — Six people were injured and 70 people were displaced Monday night after a massive fire ripped through Camden Westwood Apartments.

    One fire victim told WRAL News the owners of the complex required renters to have renters’ insurance.

    Insurance industry estimates show only half of the renters nationally have a policy on their property. It’s important to remember, while rental properties are insured by the owner, those policies don’t cover the replacement cost of any goods lost in a disaster or theft.

    North Carolina Insurance Commissioner Mike Causey encouraged renters to take a quick walkthrough of their rental property and document everything on your phone. The cost of what people own dwarfs the cost of renters’ insurance, according to Causey.

    “Then try to calculate what they would have to pay to replace all their clothing items, all their phones, their computers any electronics that they might have and all their furniture, that they’d be really surprised at what it would cost to replace that,” Causey said.

    Most renters’ insurance premiums cost a couple hundred dollars a year. That’s essentially the value of one pair of high-end sneakers. For parents with older children who rent while they’re away from home, you can add their renters’ insurance to your policy and it’s even cheaper.

    Causey suggests you get your renter’s insurance through a local agent. That way, if you need to file a claim, the agent can see the damage first-hand, which could help with your claim.

    Causey also said if you do file a claim and the insurance company offers a settlement you think is too low, contact his office before you accept it.

     “You don’t have to take the first offer they give you,” Causey said.  The Department of Insurance can get involved in your case, which could result in offer you feel is more fair.

    There’s a form you can fill out online on the Department of Insurance’s website.

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  • 5 On Your Side: The 4 most common Super Bowl scams to avoid this weekend

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    In addition to being the biggest sporting event of the year, the Super Bowl is rapidly becoming one of the biggest weeks of the year for scammers. 5 On Your Side shares four specific ways scammers could try to target you this weekend.

    Four common Super Bowl scams

    These are the four most common scams reported around the Super Bowl.

    Fake ticket alerts: A text appearing to be from a legitimate ticket hub like Ticketmaster claiming your tickets to the game could not be delivered.

    Streaming account warnings: A text appearing to be from a major streaming platform like Peacock saying something like, “Your Super Bowl stream is on hold. Update your billing now.”

    Freezes to betting accounts: With sports betting still relatively new in North Carolina and millions of us placing bets on the big sites, scammers will send texts like, “Your wager is pending. Confirm your identity.”

    READ: How to protect yourself from sports betting scams

    Merchandise and food delivery scams: From everything to gear to your gameday wing delivery, customers are getting text messages like “Your Super Bowl order is delayed. Track status update here.”

    The takeaway

    The one thing all of these messages have in common is a call to action, such as clicking a link or scanning a QR code to enter information. If you only remember one thing: don’t click the links.

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  • Scams to look out for when renting a house or apartment

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    Every
    year begins with fresh starts, and for many people, that means finding a new
    place to rent. That search often starts online: scrolling, clicking and
    comparing what’s available.

    However, Consumer Reports advises being cautious
    before moving forward, to help avoid losing money and exposing personal
    information on a rental that turns out not to be real.

    Rental
    scams are costing people millions of dollars every year.

    Real estate broker
    Rachel DiSalvo says a scammer stole one of her listings originally for sale
    and reposted it online as a rental. Unfortunately, the people got scammed out
    of money.

    These types of scams aren’t just on rental websites anymore—they’re on social media, and scammers are using ads and stolen videos from
    actual listings to trick renters into sending money and personal information.

    A new report from the Federal Trade Commission shows renters
    have reported nearly 65,000 rental scams since 2020, with losses totaling about
    $65 million. And because many scams are never reported, the FTC says the real
    losses are likely much higher.

    People ages 18 to 29 are three times more likely than other
    adults to report losing money to a rental scam. Consumer Reports says there are
    ways renters can protect themselves.

    First, search for the rental address online. If the same
    place is listed with different prices, different contact information or listed
    for sale instead of rent, that’s a red flag.

    Next, be cautious about sharing personal information too
    early. Before you’ve agreed to rent, a landlord doesn’t need sensitive details
    like your Social Security number to run a credit check.

    And if a listing is priced far below similar rentals, and
    someone pressures you to move fast, that’s a sign to walk away.

    Rachel says you should also avoid paying in cash. She
    recommends using more secure forms of payment. Typically, she would request a
    certified cashier’s check or a bank check.

    Consumer Reports says there are other payment methods you
    should stay away from. You should never be pressured into paying your deposit
    or your rent with gift cards, cryptocurrency or wire transfer. If you’re being
    asked to use those methods, it’s a strong sign that it may be a scam.

    A
    bit of caution can help keep your money and information safe.

    And one more
    thing to keep in mind for college renters: scammers often target Facebook
    groups where students look for sublets and off-campus housing.

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  • More than 13,000 pounds of chicken, some sold in NC, recalled over Listeria concerns

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    More than 13,000 pounds of chicken were recalled on Saturday over concerns over Listeria contamination.

    According to the U.S. Department of Agriculture, Suzanna’s Kitchen is recalling about 13,720 pounds of ready-to-eat grilled chicken breast fillet products. The USDA said they may be contaminated with Listeria.

    The USDA said the recall was tied to 10-pound cases containing two 5-pound bags of fully cooked chicken breast fillets with rib meat. USDA provided a photo of the label tied to the recall:

    The items were shipped to distribution centers for sale in Alabama, Florida, Georgia, Missouri, New Hampshire, North Carolina and Ohio.

    The USDA said the problem was discovered when a third-party lab sample reported a postivie Listeria result in the product, adding that there have no reports of illness due to eating the products.

    USDA is advising anyone who is concerned about an illness tied to the product to call their healthcare provider.

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  • Appliances, mattresses: What Consumer Reports suggests you buy in January

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    If you’re feeling a little sticker shock after the holidays, you’re not alone.

    January is usually a quieter month for sales but there are still smart ways to save if you know where to look. Consumer Reports breaks down the best deals you can expect this month.

    After the holiday rush, many of the deep discounts in November and December disappear, that’s why it’s especially important for shoppers to know what to expect. CR closely monitors pricing trends throughout the year and has shopping tips on what big ticket items go on sale each month.

    MLK weekend is the biggest sales event of the month and it’s especially good for shoppers looking to replace large appliances. You’re going to see lots of sales on mostly every large appliance there is -that includes washers, dryers, dishwashers and refrigerators.

    And if you’re shopping for a refrigerator, CR has found that top-freezers are more reliable than other types of refrigerators, including the coveted French-door style.

    MLK weekend is also a great time to snag a deal on a mattress with major brands offering meaningful discounts, along with other items to help you sleep better. There will be plenty of bedding sales on sheets, pillows, duvet covers or anything you need to enhance your bedroom.

    CR says the best pillows stabilize your neck and align it with the rest of your body. The right bedding is also key. Look for sheets in breathable fabrics like 100-percent cotton or linen.

    And retailers know that January is when those New Year’s resolutions kick in! So, you’re going to see discounts on fitness tools, trackers and equipment.

    If you need a new treadmill for your home gym or want a fitness tracker or a smartwatch, January is the time to look for deals on those items. CR says to be on the lookout for retailers and fitness brands that may offer special promotions not just on products themselves but subscriptions and memberships as well.

    The bottom line: While January isn’t packed with bargains you can still find deals with a little research. See some specific product recommendations on Consumer Reports’ website.

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  • Triangle traffic headaches: What’s being done about them

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    Look anywhere in Triangle, and it won’t take long for you to see the signs of a growing region. Cranes tower over downtown Raleigh and Durham, expanding the skyline. Crews clear another swath of trees to make room for another townhouse development.

    Another sign of the rapid growth: Heavy congestion on the Triangle’s roads.

    We asked our viewers and followers to share their biggest Triangle traffic headaches. You shared many trouble spots:

    • The stop-and-go traffic along Interstate 40 between Raleigh and Durham,
    • the long-delayed widening project on I-440 in west Raleigh,
    • the tangle of traffic that chokes the Durham Freeway near the I-885 and N.C. 147 interchange.

    One spot people mentioned more often than any other was the I-40/U.S. 1 interchange between Raleigh and Cary. Drivers trying to get on or off I-40 West have about 600 feet to weave across heavy traffic.

    “That’s when you [tell] your passenger, ‘Hey, do you see anybody coming? Check all windows,’” said driver Ginia Cooper-Gay, who said it’s a tricky interchange to navigate. “You need a co-pilot!”

    Chris Lukasina is the executive director of the Capital Area Metropolitan Planning Organization (CAMPO), the group of Triangle-area municipalities making plans for how our region will deal with growth in the decades to come. He says the DOT is going to get rid of that tricky interchange and replace it with a much better design.

    “That will provide some relief for a lot of folks and make getting through that interchange a lot easier,” he said.

    They’re also planning to keep lanes open during construction. It’s great news for drivers, but here’s the catch: It won’t be ready until 2030 at the earliest.

    Lukasina says identifying transportation problems is the easy part. The hard part is figuring out how to pay for it.

    “We have to have a long-range plan, but we also have to have a budget,” he said. “We have to stay within that budget.”

    Future transportation improvement plans

    The NCDOT has hundreds of projects on the books for the Triangle area. They’re spelled out in the State Transportation Improvement Plan, which outlines construction funding and priorities for transportation projects across the state. The state analyzes potential projects and assigns a score to each, weighing safety, congestion and local priorities. A project’s score is the main factor that determines if and when it will get built, but budget limits also affect the scheduling.

    There are some major projects under construction right now that should provide some significant relief.

    The I-440 widening project between Walnut Street and Wade Avenue now is expected to be finished in spring 2026. The last section of N.C. 540 connecting I-40 near Clayton with I-87 in Knightdale should be finished in late 2028. Milazzo says his group also is advocating for improvements to Glenwood Avenue between I-540 and I-440.

    Another big innovation in transportation is under construction in Raleigh. The city describes Bus Rapid Transit (BRT) as a “high-capacity bus-based transit system that delivers fast and efficient service.” Dedicated lanes and traffic signal priority will allow buses to run reliably approximately every 15 minutes.

    Joe Milazzo, executive director of the Regional Transportation Alliance, which advocates for transportation projects on behalf of the business community, calls it “buses resembling trains.”

    “It is a great solution, provides flexibility, also provides that transit priority so people can rely on it,” he said.

    Raleigh’s first BRT corridor is under construction along New Bern Avenue, linking the city’s east side. Other BRT routes will connect with northern, southern and western Raleigh. The city expects the buses to start rolling as early as 2028. Eventually, it will connect with downtown Cary.

    Durham and Chapel Hill also are planning to build a BRT system in the coming years. Milazzo says connecting those systems will provide a flexible solution for people to get around the sprawling region.

    “[BRT would be] at least an alternative for some trips,” he said.

    Lukasina said a commuter rail could be a piece of the puzzle in the future. Wake and Durham counties’ transit plans propose studying commuter rail in the region. That would put passenger cars on existing railroads, shared with freight traffic, focusing frequent service during the weekday commute.

    GoTriangle studied commuter rail in 2023, finding big benefits but also significant challenges in building it within the timeframes and budgets of the counties’ transit plans. Instead, CAMPO is working with the NCDOT to explore ways to enhance passenger rail service that would connect the Triangle’s cities and towns.

    Lukasina says another major upgrade eventually coming to the Triangle the idea of “managed freeways,” using technology to manage traffic flow. It would allow officials to adjust speed limits and lane use dynamically to keep traffic flowing as well as possible.

    “Helping to avoid those bottlenecks or minimize the time we have those bottlenecks out there will really help improve the traffic flow,” Lukasina said.

    It’s just roads that have to be expanded and improved Milazzo says keeping up with the Triangle’s growth means upgrading all forms of transportation. A big focus for the Regional Transportation Alliance is pushing for improvements at RDU. The new runway and expansion of Terminal 2 are major steps to accommodate growing numbers of passengers.

    “Airport expansion never ends, because this market never stops growing,” Milazzo said.

    As the Triangle grows, Milazzo said the business community wants these projects take “less ‘forever.’” He says as frustrating as the Triangle’s highway headaches can be, they are a sign of a healthy region.

    “Having growth is a wonderful thing. It certainly beats the alternative for a market,” he said. “We all would like to see things go faster, but if we work together and keep focused on it, we can get the solutions we want.”

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  • Tax Pros on Call: Get your tax filing questions answered

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    As we approach the end of the year, 5 On Your Side is here to get your tax preparation questions answered.

    5 On Your Side is partnering with the North Carolina Society of Enrolled Agents to answer your tax planning questions – for free! 

    Tax Pros On Call is Wednesday, Nov. 12, from 4-7 pm.

    From 4 to 7 p.m. next Wednesday, you’ll be able to speak with a tax professional about your questions or issues.

    Call 919-234-5007 to talk to tax pros for free!

    This event is all about answering your questions about filing taxes. Federally licensed enrolled agents will be taking your calls, answering questions about everything from the best ways to file, avoiding penalties and changes to tax law.

    Best of all: The information is completely free!

    FAQ: IRS tax questions and answers

    If you can’t call in, check out the links below for resources to help you get your tax questions answered.

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  • 5 On Your Side: How to plan your digital estate for peace of mind

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    It’s
    not pleasant to think about death or a medical emergency, but one of the
    greatest gifts you can give your loved ones is being prepared for those
    situations.

    You might be familiar with traditional estate planning, but there’s
    also what’s called digital estate planning. Consumer Reports has five things to do
    right now to make things easier in a crisis.

    Having
    a will and power of attorney will help your loved ones follow your wishes, but
    there’s more to do.

    Think about your online accounts and which bills you pay
    with a swipe. Are there important documents in your cloud storage? And what
    about all those photos on your phone? Create a digital estate plan.

    First,
    set up an ‘in case of emergency’ document. Jot down the names, phone numbers,
    and emails of important people in your life. List the location of important
    documents, like birth certificates, passports, and social security cards.

    This
    document should also have your bank accounts, investments, and recurring bills,
    including when they’re due and how you pay them, including autopay.

    Two,
    share your passwords. To pay your bills and manage other affairs someone needs
    your log-in info. If you don’t want to spell out your passwords, give hints or
    keep it simple with a password manager.

    Consumer Reports recommends using
    1Password. The $60 a year family plan covers up to five people who get access
    to shared folders.

    The
    third thing to do is designate a legacy contact for your online accounts. A few
    tech companies let you grant control to someone else. For example, Google’s
    Inactive Account Manager, Facebook Legacy Contact and Apple’s Legacy Contact,
    to name a few.

    Next,
    add your digital assets to your traditional will so that everything is together
    in one place and easy for your family or close friends to find.

    Finally, have an emergency planning
    meeting.

    Tell your loved ones your wishes and where they can find this
    information. Providing easy access to online accounts can make a painful time
    less stressful. And having things in order will give you peace of mind.

    For your social media posts and stories,
    you can use the free social media will generator
    from Epilogue. It creates a document that has your wishes on what to do with
    your Facebook, Instagram, LinkedIn and other social media accounts.

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  • Knightdale chase a reminder of danger of pursuits for drivers, law enforcement

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    High-speed chases are dangerous for the agencies that pursue suspects and the drivers in their path.

    Those in harm’s way during a chase-and-crash in Knightdale on Wednesday know that feeling.

    Debra Stubblefield was driving the sedan that the driver crashed into at the intersection of Knightdale Boulevard and Hinton Oaks Boulevard. She was not injured in the crash.

    “All of a sudden, this car came out of nowhere and hit
    us,” said Stubblefield, who was not hurt. “It spun me up on the curb,
    and then I saw him go across and spin around. Next thing I knew, cops were
    chasing him.”

    Mingo was said to be driving at speeds of over 100 mph at
    times while on Interstate 87. The chase started on Spectrum Drive, got onto the interstate, then through the heart of Knightdale on Business 64. Sky 5 was first on scene, covering the bulk of the roughly 10-minute pursuit.

    “I was just scared,” said Teresa Croom, who lives nearby. “I didn’t know what was going on.”

    Christian Rojas, who says he comes to Widewaters Commons shopping center often, said he had no idea about the chase and crash, but was shocked to see video of the collision.

    A 2021 5 On Your Side report showed that 13 civilians died as a result of pursuits by the North Carolina State Highway Patrol over a three-year period.

    “It’s more dangerous than anything,” Rojas said. “You are trying to follow somebody, but at the same time, you don’t know what could happen with anybody else.”

    WRAL News was first on the scene when Sky 5 captured the moment Anthony Mingo jumped out of his SUV on Knightdale Boulevard and ran into a restaurant in a shopping center.

    Why chase?

    Tony Godwin with the Wake County Sheriff’s Office explained the agency’s policies on pursuits and the on-the-fly thinking they have to execute before starting a chase.

    “The policy allows for pursuits,” said Godwin. “It’s a multi-prong decision,” he said.

    Godwin said deputies consider the severity of the suspected crime,
    weather and traffic conditions, time of day and familiarity with the area.

    Godwin says they were keeping an eye out for Mingo’s vehicle on Wednesday.

    He said Raleigh police had provided his description because they believed he robbed a PNC Bank on Falls of Neuse Road. Mingo faces a robbery charge for that incident.

    “There was a concern, if we don’t get him into custody, there was
    the potential for additional violent crimes out in the community,” he said.

    After a chase, Godwin said the office analyzes it to
    determine if appropriate action was taken and whether it can be improved in the
    future.

    More charges expected 

    After the crash on Wednesday, deputies said Mingo harmed himself, but would not elaborate. 

    As of Thursday afternoon, Mingo is in the hospital in critical condition. Godwin said the sheriff’s office is waiting for Mingo to recover a bit before officially pressing charges.

    “Obviously, we know what he’s going to be charged with, but we just got to wait until he’s in a proper condition to do that,” Godwin explained. 

    Because Mingo crashed into multiple cars during the pursuit, Godwin said city police departments can press their own charges. 

    Knightdale Police Chief Lawrence Capps confirmed with WRAL that his department plans to bring reckless driving and hit-and-run charges against Mingo. 

    A deputy who responded had minor injuries.

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  • 5 On Your Side: Avoid buying scams at the NC State Fair

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    Fried foods, funnel cakes and ferris wheels are common staples for the North Carolina State Fair, but there are plenty of other opportunities to spend your money. 

    The N.C. State Fair runs Oct. 16 through Oct. 26. With the fair in mind, the Better Business Bureau (BBB) is urging consumers to remember some key points before making any big purchases.

    First, be mindful of who you’re purchasing from, as well as their business practices.  

    The BBB keeps up with business reviews online, including many of the vendors you’ll see at the fair. Find business reviews at BBB.org or by calling 919-277-4222. You can check reviews on your phone or come back to the fair after looking them up.

    Next, always ask about refund or exchange policies, and get them in writing. Don’t be afraid to ask about guarantees or warranties. If the company has a physical location, get the address and contact information to confirm the validity of the business.

    Finally, if you feel pressured to buy, don’t give in. It’s okay to walk away if you need time to think before buying. Pressure tactics are often one of the first signs someone is trying to make easy money.

    After a purchase, know your rights. The Federal Trade Commission has what’s called a “cooling off” rule, which typically allows customers three days to cancel a purchase.

    However, not everything sold at the state fair falls under this rule, including:

    • Purchases under $25
    • Goods or services primarily used for personal, family or household purposes
    • Insurance, insecurities or real estate
    • Motor vehicles
    • Arts and crafts

    Last year, nearly 1 million people attended the fair.

    “The N.C. State Fair is a fall fun staple here with vendors of all kinds,” said Mallory Wojciechowski, president and CEO of BBB. “Continue to be an intentional and inquisitive shopper, despite the unique shopping experience.”

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