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Consumers are looking for greater protections for their personal and financial information in the wake of the Equifax data breach. Many have decided to take precautions and put their credit on ice: a credit freeze.A credit freeze aims to block anyone from opening new accounts in your name. The catch is that the block applies to legit inquires, too. So it's not a great idea if you're shopping for a home or an auto loan. But when you're not looking to take out any loans or open any lines of credit, it can be a financial lifesaver.The Equifax hack, in which the names, Social Security numbers, birth dates, addresses, and driver's license numbers of 143 million people were exposed, may create a new normal in which protections previously viewed as cumbersome -- like credit freezes -- are now a valued line of defense."A security freeze is the most effective measure against 'new account' identity theft, because it stops thieves from using the consumer's stolen information," says Chi Chi Wu, a staff attorney at the National Consumer Law Center.Here's what you need to know about freezing your credit:What is a credit freeze?A credit freeze limits who can see your credit report information. The goal is to prevent anyone from opening any new accounts. It doesn't damage your credit or stop your credit report from evolving by your own actions.Your credit information will still be released to your existing creditors and any debt collectors who may come calling.But, if you want to open new lines of credit, you'll need to lift the freeze first. This can be done temporarily, either for a set time or for a particular party, like a landlord or lender.The costs to freeze and lift the freeze on your credit vary based on where you live and for each credit reporting agency, but commonly range from to per agency.If you're a resident of certain states -- like Maine or South Carolina?-- it's free.In response to public outcry, Equifax announced that fees to freeze your credit will be waived for the next 30 days.But even that doesn't totally protect your information since your data isn't fully frozen until it is on ice at all three credit bureaus. The other bureaus have their own fees. It's also unclear whether Equifax would still charge you a fee to lift the freeze. The company did not immediately respond to request for comment.Consumer protection organizations like the National Consumer Law Center are further calling for Equifax to waive the fees for credit freezes at all three credit bureaus.How is it different from fraud alerts or other credit monitoring?The credit reporting companies do little to make getting a credit freeze easy: you have to ask each of them individually, pay a fee (usually) to put it in place, ask each of them specifically to lift the freeze and often pay another fee. That's because your data is the product that they sell to other people and companies. If you freeze it, it isn't as valuable.As such, they are more likely to offer you fraud alerts and other credit monitoring products. These are services that will let you know when someone is looking at your credit and may contact you about a new account opened in your name. It's helpful, but it is often after the fact."Equifax is offering something that it says functions like a credit freeze," says Mike Litt, consumer program advocate with US Public Interest Research Group. "The problem is that it is incomplete protection and it only lasts for a year. What we're recommending is that people don't bother with the package Equifax is offering and just place freezes with the three credit bureaus instead."Can I still get a credit card or loan?Sure. When your credit is frozen you can continue to operate your financial life just as you typically would. The only notable thing is that you will need to notify the credit bureaus to lift the freeze before you ask a lender to approve you for credit.If you are able to determine which credit agency your potential lender is using to run your credit, you can even save yourself some fees by just requesting the freeze to be lifted on that one.The reporting agencies tell you that this may delay a legitimate credit request.But for those who don't feel comfortable with the way the credit reporting agencies are handling their treasure trove of personal information, a notification to the agencies and day or so delay may be a fair price to pay for added security.The agencies advise you to plan ahead and lift a freeze a few days before actually applying for new credit.How do I freeze my credit?With millions of people feeling vulnerable after the hack and scrambling to secure their most important information, getting a credit freeze has been more difficult than usual in the past few days. Users on Twitter report trying again and again to secure credit freezes, with both the website and phone systems failing.Keep trying.To set up your own credit freeze, go to the freeze page at each credit agency's website individually: Equifax, TransUnion,?Experian.You will be asked to provide information. If you do not want to put your information into another automated computer system, you can call the agencies directly. Usually you are given a PIN number, which is your key to lift the freeze. Do. Not. Lose.In addition to being subject to your state laws, the cost may also vary by agency.Often there is no charge for victims of identity fraud to add or lift a security freeze. Rules and fees at TransUnion, Experian and Equifax are similar, with the exception of Equifax's being waived for the next 30 days. 5652
Cindi Avila is a well-known TV personality known for her work at news stations such as MSNBC, Fox News and NY1. She also has made a mark in the food world. After working as a news anchor/reporter/producer for years she decided to pursue a passion for food and obtained a culinary degree from the prestigious Natural Gourmet Institute in New York City. Cindi has appeared on Food Network shows including Chopped, Bravo's Pregnant in Heels and she won TLC's Dinner Takes All. She now appears on TV stations all over the country talking about various food topics and brands. 589
CINCINNATI, Ohio - Cincinnati Reds and Fox Sports Ohio broadcaster Thom Brennaman tells WCPO he has resigned from his position more than one month after he was suspended for using a homophobic slur on air.“My family and I have decided that I am going to step away from my role as the television voice of the Cincinnati Reds,” Brennaman wrote to WCPO. “I would like to thank the Reds, Reds fans, and the LGBTQ community for the incredible support and grace they have shown my family and me.“Brennaman has been suspended from the Cincinnati Reds since the Aug. 19 incident. He had been with the Reds since 2006.“I have been in this profession that I love for 33 years,” he wrote. “It is my hope and intention to return. And if I'm given that opportunity, I will be a better broadcaster and a much better person.“WCPO reached out to the Cincinnati Reds and Fox Sports Ohio for comment."The Reds respect Thom Brennaman’s decision to step away from the broadcast booth and applaud his heartfelt efforts of reconciliation with the LGBTQ+ community," team CEO Bob Castellini wrote in a statement. "The Brennaman family has been an intrinsic part of the Reds history for nearly fifty years. We sincerely thank Thom for bringing the excitement of Reds baseball to millions of fans during his years in the booth. And, we appreciate the warm welcome Thom showed our fans at Redsfest and on the Reds Caravan. He is a fantastic talent and a good man who remains part of the Reds family forever. We wish him well."The incident happened when the broadcast was returning from a commercial break before the top of the seventh inning in the first game of a doubleheader against the Kansas City Royals. An off-camera Brennaman described an unknown city as "one of the (expletive) capitals of the world" during the broadcast.Fox Sports Ohio later clarified that the audio-only went out to viewers streaming the game, not on over-the-air television.Brennaman apologized later in the second game before leaving the broadcast booth.“I made a comment earlier tonight that I guess went out over the air that I am deeply ashamed of,” Brennaman said. “If I have hurt anyone out there, I can’t tell you how much I say, from the bottom of my heart, I’m so very, very sorry. I pride myself and think of myself as a man of faith … I don’t know if I’m going to be putting on this headset again.”Following a column by WCPO 9 News anchor Evan Millward about the history and context of the slur, Brennaman penned another apology.Thom, the son of Hall of Fame broadcaster Marty Brennaman, has been with FOX Sports for the past 27 years, covering primarily baseball and football during that time.FOX Sports removed Brennaman from its NFL season after the incident.“FOX Sports is extremely disappointed with Thom’s remarks during Wednesday’s Cincinnati Reds telecast,” the network said in a statement. “The language used was abhorrent, unacceptable, and not representative of the values of FOX Sports. As it relates to Brennaman’s FOX NFL role, we are moving forward with our NFL schedule which will not include him.”Brennaman had been a part of Fox’s NFL announcer lineup since they started televising the league in 1994. He was part of the No. 3 announcer team last season and was paired with analyst Chris Spielman and reporter Shannon Spake. He had also called Major League Baseball games for the network from 1996 to 2014.Although most regional networks still carry the Fox Sports name, they are not owned by Fox. Sinclair Broadcast Group bought them in 2019.“I am grateful for the forgiveness so many have extended to me, especially those in the LGBTQ community who I have met, spoken with and listened to almost daily over the last five week,” Brennaman wrote Friday. “With their continued guidance, I hope to be a voice for positive change.”Brennaman declined to speak on camera with WCPO about the incident or resignation on Friday afternoon.This story was first reported by Evan Millward at WCPO in Cincinnati, Ohio. 3996
COVID-19 Update: The San Diego County Public Health Department has confirmed that a graduate student living off campus tested positive for COVID-19. Based on circumstances, the SDCPHD informed @uofsandiego no individuals on campus have been exposed by this student to COVID-19.— USD (@uofsandiego) March 14, 2020 327
Coronavirus pandemic safety measures have more Americans spending the traditionally family-and-food centric holiday of Thanksgiving in smaller groups or alone.If this is your first time attempting the big meal on your own, here are some basics and places to get help and advice.First figure out how much meat you’ll need, before you buy whatever turkey is left at the grocery store. Consider roughly one pound per person, this accounts for bone weight when buying the turkey. If you like a lot of leftovers, consider 1.5 pounds per person.If it’s just you and maybe one or two others, consider buying just a turkey breast. They are usually a few to several pounds each and are all white meat.You could also opt for a whole chicken instead; they are smaller but still give you the full bird experience with light and dark meat, legs, and a wishbone to snap.Before moving on, you should probably consider if you are comfortable cooking a turkey (or chicken) from raw. If not, that’s ok. Plenty of restaurants and grocery stores have done the cooking for you and will gladly deliver or have you pick up Thanksgiving meals for any size group.Once you have the right amount of meat, keep it frozen until a few days before you want to cook it, and then move it to the fridge to thaw.For what comes next, there are so many options for preparing and cooking a turkey, it’s hard to pick one way. While most agree the stuffing should not actually be stuffed inside the raw turkey, there are other questions - Foil on or off? Grill, oven or crockpot? Brine or no brine? Oil or butter?For help, step-by-step instructions, and ideas, here are some helpful links:10 Tips for cooking the perfect turkey from the Food NetworkBetty Crocker: How to cook a turkeyHow to cook a turkey, from the New York TimesPillsbury claims to have a no-fail methodAnd of course, there is the Butterball Hotline. A Thanksgiving tradition for first-time chefs across the country for almost four decades.The hotline has been answering chef’s questions since 1981. There is likely no turkey question they haven’t been asked before.Butterball offers turkey tips and tricks over the phone, by text message, live online chat, email and even through Amazon Alexa. And yes, they are helpful no matter what brand of turkey (or chicken) you are cooking.After all this work for the main dish, consider enjoying pre-packaged or heat-and-serve side dishes at Thanksgiving.If you are feeling adventurous and want to make sides, here are some helpful links:85 classic Thanksgiving side dishes from Delish - including sweet potatoes with marshmallows, green bean casserole, cranberries, and homemade cornbread.Best Thanksgiving side dishes from Good Housekeeping - including glazed carrots, buttermilk biscuits, squash soup, and rosemary rolls.Best of all, some of them can be made ahead and heated on Thanksgiving.Leaving you more time to explain to your extended family how to unmute themselves on your family Zoom call. (FYI, Zoom is lifting its 40-minute limit on free calls on Thanksgiving.) 3053