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Tens of thousands of children around the country will be getting a holiday puppy this year, but others will end up empty-handed and disappointed, ripped off by a puppy scam that has only gotten worse during the pandemic.So before you start looking for one, we have the warning signs a cute pup you find for sale is really a scam to steal your heart and your money.Penny Lloyd wanted to buy her kids a Yorkshire Terrier puppy -- a Yorkie -- for their home this Christmas."It was going to be a Christmas gift," she said.She found an ad on Facebook offering discount puppies."I saw this advertisement on Facebook, and I opened up the app and it said 'Yorkies for sale, half price, originally ,400 on sale for 0.'"It was a great price; so, she messaged the seller."I did, but I never got any response," Lloyd said.It's probably a good thing she never heard back, according to the Better Business Bureau, which says there is a good chance it was a scammer who would have asked for a deposit.That is what happened to Jo Standridge last year. She wired 0 via Western Union to a website -- now gone -- called Best Mini Shnauzers.com.That was the end of the seller, and of her puppy dreams."I tried to text him numerous times after that," she said. "Called him, couldn't get through. That was the end of the communications. Nothing."Puppy scam worsens during pandemicThe puppy scam has been around for more than five years, but the BBB says this year it's getting worse because so many people want either a "pandemic puppy" or a holiday puppy.Sara Kemerer of the Better Business Bureau said real puppy photos get reposted at counterfeit websites."It's very easy for scammers to steal a video or picture of a pet from the internet to make the pet seem real," she said.But the pups are always out of town, and the seller will ask hundreds of dollars for shipping and insurance.Once you wire them the money, they and their ad disappear.How to protect yourselfSo what can you do? Kemerer says ask for video of the seller with the pup. Ask them to hold it up in front of their phone."You can ask the breeder to do a video call using FaceTime, Zoom, or Skype to see if that pet is actually real," she said.Chances are Penny Lloyd's Yorkie seller would have refused, because he never had any puppies.Warning signs include:The dog is out of town, and you cannot see it in personThe breeder needs to ship it to youThe breeder needs money for shipping and insuranceThe seller will not take a credit card (where a fraudulent charge can be disputed)The seller cannot do a Zoom or Facetime video with you where he is holding the puppy (because he has no puppy)The best way to avoid a puppy scam is to shop local and avoid any puppy that has to be shipped to you.Or better yet, adopt an unwanted dog so you 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 3133

The 2020 hurricane season is already breaking records.Hurricane Isaias, which just passed through the Carolinas and the northeast, killing several people, was the season’s ninth named storm, making it the earliest in a year we have ever reached that number.It was also the fifth storm of the season to make landfall. It’s the fastest we’ve gotten to five land-falling storms since the old record set back in 1916."From a landfall perspective, this has already been a very, very active landfall season,” said Dr. Phil Klotzbach, from Colorado State University’s Tropical Weather and Climate Research Center.The group released its final predictions for the 2020 hurricane season on Wednesday, predicting above-average activity with 24 named storms and 12 hurricanes, five of them being major hurricanes of Category 3 strength or greater."Typically, we do one final update in early August to give you one final last best estimate to see what the season’s going to be like, and if we realized we really screwed things up until now, it’s one last shot at a mulligan,” Klotzbach explained.Before you say these records are just par for the course in 2020 there is a caveat. The 2020 season has not produced nearly the same amount of Accumulated Cyclone Energy, or ACE, as past years.For example, there were fewer named storms by this time in 2005, but the storms that did form in the Atlantic through the end of July of that year produced far more energy, including Hurricane Dennis, a Category 4, and Emily, a Category 5. That hurricane season went on to produce Hurricane Katrina, which battered New Orleans, and Hurricane Wilma, making it the worst hurricane season in recorded history.“Normally, a lot of storm activity in June and July doesn’t say much about how active the season is,” said Klotzbach.Klotzbach says the two big predictors of a hurricane season are ocean temperature in the deep tropics and wind shear, which is how wind direction changes at different levels of the atmosphere.This year, water in the Tropical Atlantic is the fourth warmest on record, meaning there is more fuel for hurricanes. July also had the second-lowest vertical wind sheer on record, meaning there is not much to cap a storm’s potential.It is why Klotzbach thinks once the peak of hurricane season arrives on August 20, we will have to make sure we are ready for whatever is thrown our way.“The primary reason why we’re forecasting such an active season isn’t as much the storm activity that we’ve already had, but the large-scale conditions we’ve observed during July and what we expect to see during the peak of the season,” said Klotzbach. 2638

TAMPA, Fla. – Both presidential candidates will hold campaign events in Tampa on Thursday as they make their final pitches to voters in the swing state of Florida.Tampa is located in the western end of the state’s Interstate 4 corridor, an area The Associated Press says is known for its rapid residential growth, sprawling suburbs and status as an ever-changing, hard-fought battleground during presidential elections.President Donald Trump will visit the Gulf Coast city first, holding a “Make America Great Again” rally that’s scheduled to start around 1:35 p.m. ET.Watch Trump's event below:Following a stop in Broward County, former Vice President Joe Biden will host a drive-in event in Tampa, which is set to begin at about 6:30 p.m. ET.The stakes are highest in Florida for Trump, who is hoping to retain the state’s 29 electoral votes that he won in 2016. If he doesn’t win The Sunshine State, his options to reach the all important 270-vote threshold are limited, though still possible, based on polling.With Election Day just five days away, both nominees are focusing on encouraging voters to turn out for them. As of Wednesday, more than a third of registered voters had already voted, CNN reports. That’s over 75 million Americans.In the final days of the campaign, the conversation continues to revolve around the ongoing coronavirus pandemic. More than 227,000 people have died from COVID-19 so far in the U.S. and the nation is seeing an uptick in cases as we move into the fall and winter months.Trump and Biden are addressing the pandemic differently. The president is arguing that the country is rounding a corner and promising that a forthcoming vaccine will bring things back to normal, while his Democratic opponent is pointing to the Trump administration's failures. 1798

TERRE HAUTE, Ind. (AP) — The United States has carried out its second federal execution this week, killing by lethal injection a Kansas man whose lawyers contended he had dementia. Wesley Ira Purkey was put to death Thursday at a prison in Terre Haute, Indiana. Purkey was convicted of kidnapping and killing a girl in Missouri and dismembering her body. He expressed remorse before his execution, saying he regretted the “pain and suffering” he caused. The victim's father says he hopes Purkey “rots in hell.” The Supreme Court cleared the way for Purkey's execution to take place just hours before. Another man, Daniel Lewis Lee, was put to death Tuesday, ending a 17-year hiatus on federal executions. Lee's execution went forward after its own late-night Supreme Court ruling allowing it to happen. 811

Starting Thursday, consumers will be able to grab a limited edition boxed rosé wine and Cheez-It combo.And it's just in time for National Wine and Cheese Day, which is Saturday.The rosé is from Original House Wine and the Cheez-It flavor is white cheddar crackers.This is the second year the wine and cracker company have paired up. 340