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The Better Business Bureau is warning the public about “synthetic” identity theft. The BBB says the technique involves scammers combining information from multiple individuals to invent a false identity. It’s said to be so hard to detect that you might be a victim and not even know it.Specifically, the BBB says scammers pull together stolen Social Security or Social Insurance numbers, the address of an abandoned property, and a fake name and birth date. Using that information, experts say scammers apply for a credit card. Initially, they will be declined since they don’t have a credit profile, but this creates a record of a “person” that doesn’t actually exist.Next, scammers add that “person” to one or more legitimate accounts and over time, the crooks build up a credit history until they can qualify for large lines of credit.Once approved for a high line of credit, the BBB says the scammers do what’s called a “bust-out,” meaning the con artists charge their credit cards to the limit, pays nothing, discards the identity and disappears.If your Social Security or Social Insurance number has been used in one of these schemes, it will be hard to detect. The BBB says negative credit reports will be tied to your SSN, but not your name, phone number, and address, meaning fraud alerts, credit monitoring, and credit freezes won’t stop the scammers or alert you to what is happening.“However, unpaid debts left by the scammer can affect your ability to take out loans or credit. Also, jilted creditors will eventually track the debts back to the Social Security number and, ultimately, its real owner,” wrote the BBB in a press release.The BBB offered these tips on how to protect yourself from “synthetic” identity theft:Minimize your exposure. Don’t give out your Social Security or Social Insurance number if it isn’t absolutely necessary. When a business, medical office, or individual asks for this information, don’t be afraid to ask them why they need it and how they will protect your personal information.Protect your child’s personal information. A child’s identity is appealing to scammers due to their clean, blank slate.Keep an eye on your communications. Monitor any mail, phone calls, email, or other communications you receive. Be alert if something arrives out of the blue or doesn’t make sense. If you receive any mail or phone calls regarding you or your child that seem like a red flag, follow up right away 2447

Stocks fell sharply Monday, dragged down by reports of trouble at Apple and Facebook.The Dow closed down 396 points and the Nasdaq tumbled 3%.Facebook stock fell nearly 6% as the company continues to deal with the fallout from a New York Times article that detailed Facebook's reaction to political scrutiny and its Cambridge Analytica scandal. CEO Mark Zuckerberg has reportedly adopted a more aggressive, "war"-like style, according to the Wall Street Journal.Alphabet was also down 4%. It is now down 20% from its peak in July, placing it in bear market territory.Early in the day, stocks fell on news that Apple's newest line of phones may not be selling as well as Apple or its investors had hoped.Apple's stock fell once more after the Wall Street Journal reported that Apple has cut orders for its iPhone XR, iPhone XS and iPhone XS Max.The new iPhones, which Apple unveiled in September, cost more than previous versions. The 9 iPhone XR is the least expensive new iPhone, but it costs more than last year's cheapest model, the iPhone 8.The iPhone XS Max can cost up to ,449. The higher prices -- without many more features -- could be driving customers to keep their current phones longer or buy last year's models.Apple declined to comment about the Journal story or broader concerns about iPhone demand.Shares of Apple fell 5% and have now plunged about 20% from the all-time high it hit a few months ago, when Apple (AAPL) was worth more than trillion.The stock ended a 5-day losing skid on Friday after an analyst at Morgan Stanley suggested that the supplier concerns are overdone.Apple, which is a member of the Dow, was hurting the blue chips too.Several makers of chips and other components used in iPhones have warned of soft sales and profit in recent weeks, citing sluggish demand for higher-end smartphones.To that end, shares of Apple suppliers, such as Qorvo (QRVO), Broadcom (AVGO), Cirrus Logic (CRUS) and even Apple's key Anrdoid phone rival Samsung were all lower Monday too. Samsung also makes chips for iPhones.Investors have other reasons to be concerned about the future of Apple -— as well as other big tech companies for that matter.Apple CEO Tim Cook said on the "Axios on HBO" show Sunday that he expects Washington to crack down on tech firms in the wake of high-profile privacy scandals, such as the Cambridge Analytica problems that have plagued Facebook (FB)."I am not a big fan of regulation," Cook said to Axios on HBO. "I'm a big believer in the free market. But we have to admit when the free market is not working. And it hasn't worked here. I think it's inevitable that there will be some level of regulation."HBO, like CNN, is part of WarnerMedia, which is owned by AT&T (T). 2745

Tesla CEO Elon Musk said he may be willing to buy one of the plants General Motors is planning to close if the automaker is willing to sell the property to him."It's possible that we would be interested. If they were going to sell a plant or not use it that we would take it over," he said in an interview on "60 Minutes."GM announced late last month that it was planning to shut down five plants in North America next year including the Detroit Hamtramck assembly and Warren transmission plants.A plant in Lordstown, Ohio, is also scheduled to close.Tesle actually bought a plant jointly owned by General Motors and Toyota back in 2010 for million. It is now one of the company's main production facilities. 730

TERRE HAUTE, Ind. — An upcoming rule change at the U.S. Department of Justice means federal inmate executions, which are currently carried out by lethal injection could happen by other means, such as a firing squad or electrocution.Currently, all federal executions are done via lethal injection unless a court specifically orders otherwise. The rule change gives the federal government greater flexibility to execute people by other means.The change states that federal executions are to be carried out by lethal injection “or by any other manner prescribed by the law of the State in which the sentence was imposed or which has been designated by a court.”According to the Death Penalty Information Center, all states that allow the death penalty authorize a lethal injection method. Nine states allow electrocution, seven allow lethal gas and three allow a firing squad. Most states that allow methods other than lethal injection do so only under the provision that the injection is found to be unconstitutional, unavailable or impractical.The DOJ rule change goes into effect on Dec. 24, before three more federal inmates are scheduled to be executed. Inmates are scheduled to be executed on Jan. 12, Jan. 14 and Jan. 15.If executions by other means will happen, it’s unlikely they will happen at the Federal Bureau of Prisons in Terre Haute, where federal executions typically take place. The DOJ notice states that the Terre Haute complex is equipped for carrying out executions only by lethal injection. If another method is used, it may happen somewhere else.The federal government has executed 10 people in 2020.Click here to read more about the rule change.This story was originally published by Matt McKinney on WRTV in Indianapolis. 1752

The Bluths are getting a "new new beginning."Netflix has released a trailer for season five of "Arrested Development," and one of America's favorite dysfunctional families looks to be back with a vengeance.There's Jason Bateman as Michael Bluth, looking harried as usual, and David Cross is back as Tobias Fünke, yet again in Blue Man Group-style makeup. 362