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The Federal Bureau of Investigation is warning holiday shoppers to be aware of increasingly aggressive and unorthodox scams designed to steal money and personal information.Online shopping scamsIf a deal looks too good to be true, officials say it probably is.FBI Pittsburgh said Monday that consumers should steer clear of unfamiliar websites that offer unrealistic discounts on brand name merchandise. Scammers frequently prey on holiday bargain hunters by advertising “one-day only” promotions from recognized brands.“Without a skeptical eye, consumers may end up paying for an item, giving away personal information, and receive nothing in return except a compromised identity,” the FBI wrote in a press release.Payment red flagsThe FBI says to be cautious of sellers and websites that demand payment solely through gift cards.“Scammers sometimes encourage shoppers to conduct wire transfers, allowing criminals to quickly receive illicit funds,” the bureau wrote.It’s best to use credit cards, because they provide several layers of security against fraud and are typically the safest way to conduct online shopping.Charity scamsWhile others are focused on giving during the holiday season, others are ready to take advantage of that generosity.“Charity-related frauds increase during the holidays as individuals seek to donate money to those less fortunate,” said the FBI.Criminals have been known to use phone calls, email campaigns, and fake websites to solicit on behalf of fraudulent charities. These scammers target people who want to donate to charity, then hoard their well-intentioned donations while those most in need never see a dime.FBI tips to avoid holiday fraud schemes:Before shopping online, secure all financial accounts with strong passwords or passphrases. Additionally, the FBI recommends using different passwords for each financial account.Check bank and credit card statements routinely, including after making online purchases and in the weeks following the holiday season.Never give personal information— such as your date of birth, Social Security number, or billing addresses— to anyone you do not know.Be wary of promotions and giveaways that request your personal information.Prior to donating to any charity, verify that they have a valid Taxpayer Identification number by visiting their website or calling the charity directly. 2373

The Cheektowaga, New York mother whose battle with breast cancer captured the hearts of many Western New Yorkers has died. Libby Gaymon, 43, passed away Tuesday. She had faced breast cancer twice in less than two years.In May, Libby's daughter Alexis asked her mom to be her date to the senior prom at McKinley High School in Buffalo. The surprise promposal was a well-coordinated effort between Alexis, her family and McKinley administrators. Alexis wanted to bring her mother because Libby didn't get to go to the prom when she was in school.On prom night, dozens of supporters of Libby packed the Gaymons' front lawn, some spilling onto the sidewalk and neighboring lawns to cheer on the mother-daughter duo.McKinley High School donated a limousine, while other community members offered free wig services, makeup application and corsage supply to make the night even more special.Most recently, Gaymon tried an experimental immunotherapy treatment at Roswell Park. Immunotherapy helps the body’s immune system attack cancer cells. It is still being studied nationwide to see if it can play a role in treating metastatic breast cancer.   Her message she shared with Buffalo-based WKBW anchor Ashley Rowe in September was clear: slow down and take time to appreciate the world around you, or else you’ll miss everything.“You’re walking down the street on the phone, either you’re on the phone or you’re texting and you’re not even seeing your surroundings," Libby said. "You’re not seeing if you walk past flowers, or if you walk past somebody smiling back at you, but you’re too busy on your phone.  You guys are letting life pass you by.”  1681

The FDA's Vaccines and Related Biological Products Advisory Committee panel has endorsed a second COVID-19 vaccine in the United States.Now the FDA is expected to act quickly to authorize the Moderna vaccine for emergency use and keep it on schedule to be distributed to patients across the country as early next week.The panel voted 20 yeses and one abstain.WATCH RECAP:With the panel recommending EUA, the FDA as a whole would then need to file its own EUA approval. The final step would be a formal recommendation from the Centers for Disease Control and Prevention that Americans should receive the vaccine.Last Thursday, the committee voted in favor of granting EUA to Pfizer's COVID-19 vaccine. By Monday, it was being administered across the country.The panel's meeting comes days after a key FDA report upheld the safety and efficacy results of the Moderna vaccine's Phase III trials. Those statistics showed that the vaccine was 95% effective with no severe side-effects."FDA has determined that the Sponsor has provided adequate information to ensure the vaccine's quality and consistency for authorization of the product under an EUA," the report said.An approval of Moderna's vaccine would immediately boost the supply levels of COVID-19 vaccines in the U.S. Millions of doses are ready to be shipped across the country as soon as approval is granted.The arrival of COVID-19 vaccines comes amid the bleakest stretch to date in the COVID-19 pandemic. The U.S. is currently seeing the highest level of new cases (213.000) and deaths (2,500) each day, according to seven-day rolling averages totaled by the COVID Tracking Project. More Americans than ever are also battling the virus in a hospital (113,000). 1725

The COVID-19 pandemic has impacted businesses and industries around the country as unemployment rates are at historic highs and many are wondering how and when our economy will recover."One of the biggest impacts is going to be on workers' wages. They’re not going to recover for years. So we’re going to see zero wage increases probably for several years moving forward more than the Great Recession (of 2008 and 2009) because this hit was more than the Great Recession," says Jack Strauss, the Chair of Applied Economics at the University of Denver.Strauss predicts wages will likely stay stagnant in almost all industries. In some cases, some people will see their wages go down."This is the first time many are being cut. University of Arizona, University of Denver, where I’m from, and other universities, we have had wage cuts of 5-10%. Didn’t happen in 2008; we were frozen. But this is the first time 5-10%" says Strauss.In California, the Fresno Regional Workforce Development Board works to help businesses find qualified workers and the unemployed find their next job. Executive Director Blake Konczal says he doesn't expect people to start to really look for another job until unemployment benefits run dry. But once they do, there will be a mad dash for any available jobs."When you’re looking for work, when unemployment is that rampant, the question regrettably isn’t, ‘Why aren’t I getting a higher wage?’ People want a wage," says Konczal.The good news, though, is that economists don't expect the cost of living to increase much.“Because wages have been low, demand has been low, so the cost of living has only gone up gradually," says Strauss.But with high unemployment and few wage increases, people will likely be spending less."That negative effect will be moving forward in a lot of industries relying on discretionary items because you're still going to buy food, because that’s a necessity, but you’re not going to go on a vacation, you’re not going to buy a new car," says Strauss.Konczal is worried about how this economic downturn will affect small businesses…“And the people who worked for them,” Konczal said. “In nine out of 10 times those types of businesses are the strength of our economy, sets us apart. But in this particular quixotic COVID environment, they’re the ones who are really getting hammered."Even before the pandemic, experts say there was still a high demand for qualified employees. And just like the Great Recession, our new economic reality could have some people heading back to school in order to land a job or higher wage. 2585

The Department of Education said Thursday that it would wipe away student debt for 15,000 borrowers, implementing an Obama-era rule that Secretary Betsy DeVos has fought to block for more than a year.The debt cancellations will total about 0 million.The rule, known as Borrower Defense to Repayment, was designed to help students cheated by for-profit colleges get relief on their education debt.The announcement comes about two months after a federal judge ordered immediate implementation of the rule. The judge had sided with attorneys general from 18 states and the District of Columbia who sued DeVos for delaying the rule while she worked on rewriting it. 677