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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

Taylor Swift announced Tuesday morning that she will be releasing an intimate concert film on Disney+.The original film is titled “folklore: the long pond studio sessions” and will premiere at 3 a.m. EST on Wednesday.The film will feature performances of songs from Swift’s latest album “Folklore,” which the singer wrote and recorded during the COVID-19 pandemic.“It’s an album that lets you feel your feelings and it’s a product of isolation,” Swift said in a teaser released for the film.Well it’s 11/24 and 24-11=13 so I’ve got an announcement ?? You haven’t seen this film before ? folklore: the long pond studio sessions will be out tonight at midnight PST on @DisneyPlus! #folkloreOnDisneyPlus pic.twitter.com/BTWSRM0yaI— Taylor Swift (@taylorswift13) November 24, 2020 In the teaser, Swift is accompanied by Jack Antonoff and The National's Aaron Dessner, who collaborated on the album.“This could have been a time that I lost my mind and instead, you know, this album was a real flotation device for both of us,” Swift tells Dessner.According to a press release obtained by “Good Morning America,” Swift will perform each song from “Folklore” in the order they appear on the album. It also reveals that Bon Iver’s Justin Vernon, who is featured on the song “Exile,” will make a guest appearance.Swift told “GMA” on Tuesday that she and her collaborators filmed the performances at Dessner’s Long Pond recording studio in upstate New York in September, using a robotic camera to abide by COVID-19 safety protocols.Tomorrow, you’re invited to an intimate concert of the record-breaking album from @TaylorSwift13. folklore: the long pond studio sessions, an Original Film, is streaming Nov. 25 exclusively on #DisneyPlus. #folkloreOnDisneyPlus pic.twitter.com/PGk8GtG4tF— Disney+ (@disneyplus) November 24, 2020 1826

Taylor Swift used her acceptance speech for artist of the year at the American Music Awards on Tuesday night to encourage her fans to vote."This award and every single award given out tonight were voted on by the people, and you know what else is voted on by the people?" Swift asked the audience. "It is the midterm elections on November 6. Get out and vote. I love you guys."Swift had announced Sunday on Instagram that she would be voting for Democratic candidatesin her home state of Tennessee in the elections and called on her fans to register and vote. The post has been liked nearly 2 million times.Earlier in the show, comedian Billy Eichner had referenced Swift's post. 692

The "box office" is now open for George Balanchine's The Nutcracker?, streaming on @MarqueeArtsTV Dec 11 - Jan 3. Get your ticket to our quintessential holiday ballet today: https://t.co/quqc3HQl1y pic.twitter.com/Byg7YdTmTK— nycballet (@nycballet) November 27, 2020 274

Student loan and eviction protections, as well as unemployment benefits, are among the host of pandemic related government programs set to end by the end of the year unless Congress acts. The issue is that members of Congress are not scheduled to be in Washington for several weeks between now and the end of the year. Breaks are scheduled over the Thanksgiving holiday as well as over Christmas and New Year's. The leaves just 15 business days to accomplish anything, otherwise these bills will likely go up come January WHAT'S EXPIRING Since March, 40 million Americans have enjoyed suspended student loan payments. That is scheduled to end come January 1st. While President-elect Joe Biden is considering an executive order to continue the program, he doesn't take office until January 20 and bills could be due before then. Additionally, unemployment benefits for independent contractors and the self-employeed, like Uber drivers or gig workers, are set to expire as well. Congress for months has also allowed those recently laid off to enjoy 13 bonus weeks of unemployment, but that program expires December 31 as well. Many states have eviction moratoriums but the CDC order banning evictions ends December 31st. Congress could pass legislation to extend it. Tens of millions could face evictions because of rent issues. WHERE THINGS STANDDemocrats and Republicans remain far apart on passing any legislation between now and January 1. COVID related legislation isn't the only concern either. Funding for the government runs out on December 11 and a bill must be passed to keep the government open before then. One major wildcard is President Donald Trump and what he may demand following his election loss. 1724