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WELLINGTON, New Zealand — New Zealand Prime Minister Jacinda Ardern has become the latest world leader to congratulate President-elect Joe Biden on his election victory, saying she offered to share her nation’s expertise on dealing the coronavirus. New Zealand's response to the pandemic is largely seen as among the world's most succesful. The country of 5 million people has only reported about 2,000 cases of the virus and has only seen five deaths.Ardern was re-elected last month, largely on the back of her administration's successful response.Ardern said the tone of the 20-minute phone call Monday was warm and that Biden spoke very favorably about how New Zealand was handling the pandemic. Ardern said the two also discussed trade issues and climate change, and talked about Biden’s Irish heritage and his fond memories of visiting New Zealand a few years ago. She said she invited him to come visit again. 924

WASHINGTON, D.C. – The federal eviction moratorium is set to expire Friday, putting millions of Americans at risk of being kicked out of their homes during the COVID-19 pandemic.The CARES Act provided certain protections from eviction and late fees due to nonpayment of rent for most tenants in federally subsidized or federally backed housing. However, those protections were only in effect from March 27 to July 24.When the moratorium ends, landlords can give tenants who haven’t paid rent 30 days’ notice and then begin filing eviction paperwork in late August.The Urban Institute estimates that the eviction moratorium applied to about 12.3 million of the 43.8 million rental units in the United States, or around 28%. If the protections are not extended, those 12.3 million renters could be at risk.So far, there aren’t any plans to extend the moratorium.However, The Washington Post reports that the House has passed legislation to create a 0 billion rental assistance fund, which would help renters at the lowest income levels for up to two years. The Senate hasn't acted on that bill. The Trump administration and Senate Republicans are hurrying to present a new coronavirus relief bill of their own before the end of the session, but it doesn’t yet appear to include protections for renters. Majority Leader Mitch McConnell is expected to roll out the GOP’s bill next week, The Post reports.The expiration of the eviction moratorium comes as communities across the U.S. see spikes in coronavirus cases, especially in the south and west. On Thursday, the number of COVID-19 cases in the country surpassed 4 million, according to Johns Hopkins University. 1673

WASHINGTON, D.C. -- It's a question on the minds of millions of Americans. Will another stimulus check be heading their way? WHAT WE KNOWOn June 22, President Donald Trump committed to a second stimulus in an interview with E.W. Scripps at the White House. "Are you going to get them a second stimulus?" asked National Political Editor Joe St. George. "We are, we are," Trump said. "Probably in the next couple of weeks." 429

WASHINGTON, D.C. -- IBM says it is getting out of the facial recognition business over concern about how it can be used for mass surveillance and racial profiling.A letter to U.S. lawmakers Monday from new IBM CEO Arvind Krishna said the tech giant “has sunset its general purpose facial recognition and analysis software products.”Krishna’s letter called for police reforms and said “IBM firmly opposes and will not condone uses of any technology, including facial recognition technology offered by other vendors, for mass surveillance, racial profiling” and human rights violations.Krishna was addressing Democrats who recently introduced police reform legislation in Congress in response to the death of George Floyd and others in law enforcement interactions that have sparked a worldwide reckoning over racial injustice.IBM had previously tested its facial recognition software in New York City.In the letter, Krishna also called for a “national dialogue” on whether and how facial recognition should be employed by domestic law enforcement agencies.“Artificial Intelligence is a powerful tool that can help law enforcement keep citizens safe,” wrote Krishna. “But vendors and users of Al systems have a shared responsibility to ensure that Al is tested for bias, particularity when used in law enforcement, and that such bias testing is audited and reported.” 1373

We’re primed to get suckered this holiday season. Tight budgets, wishful thinking that we can get a screaming deal if we hurry, and plain old impulsive spending are a dangerous mix. Scammers know this.One example: Clicking an online ad, maybe for an ornament featuring a Santa with twinkling eyes and a smile hidden under a cloth mask, may put you at risk for identity theft — or maybe just for a bad deal.Kathy Stokes, AARP’s director of fraud prevention programs, says she once bought “the funniest T-shirt from a Facebook ad. It never came.” That was before Stokes began working in fraud prevention.So how do we prepare for battle? Three ways: Protect our mobile devices, recognize and avoid risks, and guard against identity theft.Make your mobile device saferYour device is only as safe as you make it. Avoiding free Wi-Fi at coffee shops and other public places is a good first step, but also:1. Secure devices with a difficult-to-guess password and/or biometrics. If you can use a fingerprint or facial recognition to sign in, that’s best. If two-factor authentication is available, use it.2. Heed notifications to update your software. Many times, updates improve security. This is true whether it’s your operating system, virus protection or an app.3. Use a virtual private network. A VPN gives you an encrypted “tunnel” when you use public Wi-Fi. Protecting a device isn’t expensive — you can protect several devices for less than a month. There are also free VPNs offered online. But Adam Levin, the author of “Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves,” recommends sticking with the ones that charge, because of the risk that free ones will collect your data. Failing that, he recommends using your phone as a hot spot or using your provider’s closed cellular network.Be careful when shopping onlineStokes and Levin agree that using a credit card is essential when shopping online. A debit card withdraws your money immediately. But you can dispute a credit card charge and not have to pay while it’s being investigated.Slow down and be careful. Stokes says duplicated or spoofed websites can take advantage “when you get a text or you get an email and you get excited because it’s this thing you really wanted to buy and you can get it really cheap — and you just click and go and you don’t look for any red flags.”Other safeguards:4. Use a virtual wallet if the site allows it. Card numbers are encrypted, meaning your actual card number is not shared when you make a purchase.5. Go to the source. Don’t click on ads on social media or even in texts or emails. Some are scams. If the retailer is new to you, Stokes recommends checking carefully for contact information and for return and refund policies.6. Be cautious. When going to a site, type the URL carefully, then double-check, advises Levin. “Typo-squatters” have sites that are almost indistinguishable from the real ones.7. Don’t open attachments. The exception is if you are expecting an attachment from someone you know. Spoofing is sophisticated; the sender may not be who you think it is.8. Use retailer apps. Your payment information is better protected that way. If you regularly buy from a particular retailer — or will this holiday season — go ahead and download the app, Stokes advises.9. Use strong passwords. Using a password manager app can set complex passwords and remember them for you. If a retailer website offers to store your payment information, decline. The less information you rely on others to protect, the better.Guard against identity theftHolidays are big for identity thieves because criminals “are geniuses when it comes to taking a situation and radically turning it to their benefit,” says Levin, who is also the founder of CyberScout, a company that offers identity protection and fraud resolution services.Add to that the loneliness of the pandemic. “People are desperate to get a phone call from anyone,” Levin says, and may be more willing to talk.Protect yourself from identity theft with these tips:10. Don’t give your card number if you get a call or email to “confirm a purchase.” Real credit card issuers do not need it. If you think a retailer might be trying to contact you, initiate the call or send the email using contact information that you look up yourself.11. Don’t respond to an email “double-checking your address” for a package delivery. That may be a scam, Levin says.12. Sign up for text alerts when your credit card is used. Levin advises setting the purchase amount very low; identity thieves may test a stolen card number with small purchases.13. Check to see if you have free or discounted ID theft insurance available. You can’t entirely eliminate your risk, and it’s easier to recover from identity theft with help. An organization you belong to, your employer or your insurer may offer free or deeply discounted protection. Failing that, you can consider buying some.More From NerdWalletHow to Shop Black Friday Deals Online7 Free Apps for Black Friday ShoppingDo You Need Identity Theft Protection Services?Bev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 5196

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