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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

WASHINGTON (AP) — The Department of Homeland Security is moving 1 million from FEMA, the Coast Guard and other agencies to fund immigration detention beds and support its policy forcing asylum seekers to wait in Mexico.Homeland Security officials say they will transfer 5 million for temporary hearing spaces along the U.S.-Mexico border to help hear asylum cases faster. They will also transfer 6 million to fund Immigration and Customs Enforcement detention bed space, though Congress specifically did not authorize additional ICE funding.Democratic House lawmakers are objecting. The chair of the Homeland Security Appropriations subcommittee says the change would support "inhumane" programs and take away necessary funding for other agencies.The news comes as hurricane season is ramping up and Tropical Storm Dorian is barreling toward South Florida. 873

WASHINGTON, D.C. — It’s easily one of the most visible of the celestial bodies: the moon. Next year, the journey to get humans back there will get underway again.“Ultimately, it fulfills our need to explore,” said Dr. Kjell Lindgren, a NASA astronaut, who is one of the 18 recently chosen for NASA’s Artemis program.Artemis aims to get humans, including the first woman, to the lunar surface by 2024. Humans have not been back to the moon since the Apollo 17 mission back in 1972.“All of us in the astronaut office are, in one way or another, influenced by those iconic images of our Apollo astronauts exploring the moon,” Dr. Lindgren said.Returning to the moon is seen as a necessary stepping-stone to getting humans to Mars in the 2030s. The Artemis team will be working on lunar-related projects, both in orbit and on the surface of the moon, that can eventually be applied to a future Martian mission.“The moon offers a wealth of scientific discovery still,” Dr. Lindgren said. “It also offers a wealth of operational discovery helping us to refine the procedures the equipment and the skills that are needed to be able to land, to explore successfully on a rocky surface and then to come back to the earth.”The missions also have the potential to create technological advancements for everyone on Earth.“The whole world benefits from those things and the benefits from Apollo are innumerable. You know, from the computers, the miniaturization of computers and on, you can count all those,” he said. “That was really a turning point in history for technology.”NASA’s Artemis program hopes to eventually create a permanent human presence on the moon’s surface, similar to the current full-time human presence on the International Space Station, and Dr. Lindgren could be among them.“It's such a privilege to be a part of this,” he said.The new lunar program was named “Artemis,” after the Greek goddess, who was the twin sister of Apollo. 1950

WASHINGTON (AP) — The Supreme Court says it will decide whether President Donald Trump can exclude people living in the U.S. illegally from the census count.Trump’s policy has been blocked by a lower court, which said in September that never in U.S. history have immigrants been excluded from the population count that determines how House seats, and by extension Electoral College votes, are divided among the states.The Supreme Court justices signaled in their order Friday that they will hear arguments in December and issue a decision by early January, when Trump must report the once-a-decade census results to Congress.Trump’s high court nominee, Amy Coney Barrett, could take part in the case if, as expected, she is confirmed by then.Along with its affects on House seats, an accurate census is important because the count is only taken every 10 years and it's used to determine how billions of dollars in federal funding flows into communities every year over the next decade. 993

WASHINGTON (AP) — The chief of staff for President-elect Joe Biden says that once Biden is in office, he'll punish Russia for its suspected cyberespionage operation against the United States with financial sanctions and measures to hobble its ability to launch future hacks. Meanwhile, Republican Sen. Mitt Romney is criticizing President Donald Trump for having a “blind spot” when it comes to Russia. And cybersecurity experts warned of continuing threats without U.S. action. Biden aide Ron Klain says the incoming administration is still learning information about the purpose, nature and extent of the hacks. He faulted the confused messaging from the Trump administration. Trump has suggested without evidence that China may be behind the hacks.RELATED COVERAGE:Hacked networks will need to be burned 'down to the ground'Trump downplays Russia in first comments on cyberattack 890