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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
WEST PALM BEACH, Fla. — Florida's coronavirus daily cases record was obliterated Sunday with 15,300, nearly 4,000 more than the previous high and 24 percent of the U.S. total, as daily tests soared to 142,981 but new deaths subsided to 45, the Florida Department of Health announced.The previous state record for cases was set one week ago Saturday with 11,458. Saturday's total was 10,360, which was the fourth time it hit five digits. Friday's total was 11,433 and last Sunday was 10,059.Florida also holds the record for most cases in one day in the United States. During the height of the pandemic, New York reached a peak of 12,274 cases in one day.Since the first two cases were announced four months ago on March 1, Florida's total has surged to more than 1 percent of the state's population to a total of 269,811.In one week, Florida's cases have risen by 69,700 for an increase of 34.8 percent. Last Sunday, total cases passed 200,000.Since the first two deaths were announced on March 6, the death toll has climbed to 4,242, which is ninth in the nation. The number of nonresident deaths listed by the state remained at 104 for a total death count of 4,346.Deaths rose by 511 in the state over seven days for 13.7 percent. The U.S. figure is 3.6 percent with the world at 6.4 percent.Testing has dramatically ramped up from just a few at select sites to massive places throughout Florida as well as nursing homes, jails and farm workers. The total now is 2,576,813, fourth in the nation, behind No. 1 New York, No. 2 California and No. 3 Texas. That figure is more than 12 percent of Florida's population of 21.4 million.Likewise the positive rate has risen to 10.5 percent overall from 10.3 the day before. A few weeks ago the daily rate was around 2-3 percent but has risen to 13.62 percent of results reported by labs Saturday. which is the lowest percentage in two weeks, after 15.31 the day before, a record 20.2 three days ago and 14.71 two weeks ago when there were 41,644 tests.There were 142,981 tests from labs on Saturday for confirmed coronavirus or anti-bodies compared with 87,062 the day before and previous record 95,335 Friday. Two weeks ago there were 41,664.The state reported 11.25 percent of people who tested for the first time were positive on tests received Saturday, which also is the lowest in two weeks, including 12.59 the day before and 13.72 two weeks ago.With more testing and no requirements for someone to take a test, the median age has decreased to 39 and 38 for tests reported Saturday. In addition, the state mortality rate has subsided to 1.6 percent among residents but among those under 55 it is less than 0.2 percent.And at one time, 18,271, have been hospitalized, which is an increase of 248 in one day, compared with 421 the day before.CasesCases in Florida had stayed below 2,000 until June 13 with 2,581 and they often were under 1,000 with the last one of three digits 966 on June 8.Palm Beach County has risen by 4,869 cases in one week for a 30.2 percent gain. Miami-Dade has risen by 17,433 at 37.1 percent and Broward by 8,786 at 41.4 per
We WILL hold @LASDHQ accountable for systemic brutality. But violence — including the shooting of two deputies in LA — is NOT the answer. I urge anyone with info about this incident should come forward. https://t.co/1bq4YXLaH1— Ben Crump (@AttorneyCrump) September 13, 2020 281
We’re thrilled to receive wonderful Christmas wishes from our Patron, The Duchess of Sussex, who also made a personal donation, helping dogs, cats and our community. ?? From all of us at Mayhew, thank you and Merry Christmas. ??????Find out more! ?? https://t.co/5o2RHLveRM pic.twitter.com/uBV19F6Odt— Mayhew ???? (@themayhew) December 23, 2020 358
WASHINGTON, D.C. – In small to large protests, Americans from coast to coast are exercising their right to free expression. In some cases, though, protests that started out peaceful have turned violent.“Injured three people, cuts and bruises,” said Mat Davis, a protester in Indianapolis, who saw a vehicle strike several protesters. “It was bad.”In Michigan, Bailee Majeske experienced a protest get out of hand.“There was a lot of rioting, just cars parked in the street were getting smashed,” she said, “and then there was a brick thrown at my head and my friend was stabbed.”So, what happens if you are injured during civil unrest? Getting medical attention is a first priority but knowing exactly what your health insurance covers is key.“You'd need to know what is in the policy - what is covered and especially what is not covered,” said Ray Farmer, who heads up the National Association of Insurance Commissioners (NAIC). “If a protest happens to turn violent and include some rioting, I think that would be extremely difficult for an insurance company to prove that those injuries occurred due to an excluded act, even if the policy had such a provision.”Some policies, though, do have exclusions, like if you take part in “illegal acts” or participate in “civil unrest.” How that’s specifically defined would be up to an insurer, but it could range from vandalism and property damage to violating a community’s established curfew, or failing to leave an area if police order you to do so.However, Farmer says there are some things a consumer should be aware of, in the event they are denied coverage for the treatment of injuries sustained during civil unrest. One – ask the insurance company to point out the specific language being used to deny a claim, and two – reach out to your state’s department of insurance for help navigating the process.“That's our job is to regulate the insurance industry, but more importantly to protect consumers,” he said.While Farmer said there are no reports of protesters’ claims being denied so far, before it even gets to that point, it’s important understand the details in your health insurance coverage.“You certainly don't want any surprises,” he said.As for those who have been caught by surprise, there’s some advice from them, as well.“If you notice there are riots breaking out, it may be time to go home and support from a distance,” Majeske said.For more information on your state’s Department of Insurance, click here. 2485