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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

We all know exercise is great for your health, but a new study shows that there is one type of exercise that will improve your mental health the most. A new study by the Journal of Lancet Psychiatry found that group fitness classes helps with your overall mental health, more than solo exercises.  Thomas Obershaw not only takes group fitness classes, but he also teaches them. He goes to Transform Colorado to take their Lagree Fitness classes. He not only gets a killer workout in, but he says a group setting gives him the motivation to put in the hard work. "I love group fitness so much, because I do believe there is power in numbers," says Obershaw.Life can be stressful. Work can get in the way of a lot of things, including spending time with people. That's one of the reasons Obershaw loves to workout with others, because he doesn't want to feel isolated. "When you show up to a group fitness class, and you see everyone around you struggling, you don't feel alone," says Obershaw.The recent study also found those who exercise between 30 to 60 minutes a day have the best mental health. "When you show up and get to release all this stress and strife of everyday life, that's in your head, this monkey brain you have all day," says Obershaw. "When you get to forget about that for 45 minutes, it does something to you chemically and physically." The study also found those who participated in group activities had one less poor mental health day a month and felt a 43 percent improvement mentally. If you're looking to get the most out of your group exercise, team sports were rated number one for having the most mental health benefits. Another, popular group fitness class is cycling. They say the high intensity cardio mixed with motivation also gave great results. "It's easy to stay in bed, lay in bed, but exercise releases endorphins," Obershaw says. "It's science; when you release those endorphins that's great for your mind and it's great for your psyche." Whether you enjoy group fitness or not, it is scientifically proven the more you exercise, the greater the benefit.  2203

WASHINGTON (AP) — The U.S. can now test several million people daily for coronavirus but the boom comes with a new challenge: keeping track of the results. Testing sites are legally required to report their results to public health agencies. But state health officials say the results from many rapid tests are going unreported. That means some COVID-19 infections may not be counted. Experts say the situation could get worse. The government is shipping 100 million of the newest rapid tests for use in public schools, assisted living centers and other new testing sites with little training or staffing to report the results. 635

WASHINGTON, D.C. – The United States has reached another grim milestone in the COVID-19 pandemic, surpassing 9 million coronavirus cases.That’s according to a tally by Johns Hopkins University, which also shows the U.S. is closing in on 230,000 deaths from COVID-19.America continues to lead the world in the total number of cases and deaths, with India and Brazil quickly catching up.The milestone comes as around most states across the U.S. report increases in infections. Data shows the seven-day rolling average for daily new coronavirus cases in the U.S. rose over the past two weeks from 52,350 to more than 74,180.This marks a return to infection levels not seen since the summer surge.This recent surge comes on the heels of the 2020 presidential election, where the pandemic is top of mind for most voters. However, the candidates are framing the COVID-19 crisis in different ways. President Donald Trump is claiming the U.S. rounding the curve and is promising to return to country to normal with a forthcoming vaccine.Meanwhile, former Vice President Joe Biden is zeroing in on how the Trump administration has handled the pandemic, claiming it was mismanaged and far too many people have died or gotten sick. 1228

WASHINGTON (AP) — The State Department is now requiring nearly all applicants for U.S. visas to submit their social media usernames, previous email addresses and phone numbers. It's a vast expansion of the Trump administration's enhanced screening of potential immigrants and visitors.In a move that's just taken effect after approval of the revised application forms, the department says it has updated its immigrant and nonimmigrant visa forms to request the additional information, including "social media identifiers," from almost all U.S. applicants.The change, which was proposed in March 2018, is expected to affect about 15 million foreigners who apply for visas to enter the United States each year."National security is our top priority when adjudicating visa applications, and every prospective traveler and immigrant to the United States undergoes extensive security screening," the department said. "We are constantly working to find mechanisms to improve our screening processes to protect U.S. citizens, while supporting legitimate travel to the United States."Social media, email and phone number histories had only been sought in the past from applicants who were identified for extra scrutiny, such as people who'd traveled to areas controlled by terrorist organizations. An estimated 65,000 applicants per year had fallen into that category.The department says collecting the additional information from more applicants "will strengthen our process for vetting these applicants and confirming their identity."The new rules apply to virtually all applicants for immigrant and nonimmigrant visas. When it filed its initial notice to make the change, the department estimated it would affect 710,000 immigrant visa applicants and 14 million nonimmigrant visa applicants, including those who want to come to the U.S. for business or education.The new visa application forms list a number of social media platforms and require the applicant to provide any account names they may have had on them over the previous five years. They also give applicants the option to volunteer information about social media accounts on platforms not listed on the form.In addition to their social media histories, visa applicants are now asked for five years of previously used telephone numbers, email addresses, international travel and deportation status, as well as whether any family members have been involved in terrorist activities.Only applicants for certain diplomatic and official visa types are exempted from the requirements. 2543

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