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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

We are heartbroken to hear this sad news about Grant. He was an important part of our Discovery family and a really wonderful man. Our thoughts and prayers go out to his family. ?? https://t.co/5k3GydZCzn— Discovery (@Discovery) July 14, 2020 250

WASHINGTON, D.C. – Polls are beginning to close in parts of the U.S. and some Election Day results are coming in.The first states to close at least a portion of their polls are Indiana and Kentucky, at 6 p.m. ET. Those races won’t tell us much, because they’re largely Republican strongholds.Some of the first key states to close their polls are Georgia and Florida at 7 p.m. ET. Not all counties in the Sunshine State will close then, but a good chunk will start reporting around that time. Georgia is a swing state this year, so keep your eyes on the suburbs of Atlanta.At 7:30 p.m. ET, North Carolina and Ohio will close their polls. Ohio is expected to report results right away and a projection in the state is possible on election night. As for North Carolina, the state has ordered some polling locations to stay open longer than 7:30, so don’t expect results from there until after 8 p.m. at least.At 8 p.m. ET, polls will close in Texas, Michigan and Pennsylvania. Although, it’s very unlikely, we will know the results from the last two. State laws prohibit early processing of ballots.At 9 p.m. ET, Arizona, Minnesota, Wisconsin and Nebraska will close polls. Remember, former Vice President Joe Biden could win an electoral college vote in Nebraska, because the state hands out votes based on individual congressional district results.As far as key counties, keep an eye on Cuyahoga County, where Cleveland is. In 2016, 49,000 fewer votes were cast for Hillary Clinton than for Barack Obama in 2012. If turnout is high there, Ohio could be competitive tonight. It’s the same story in Wayne County, Michigan, where Detroit is, where there were over 76,000 fewer votes in 2016. If that county breaks voting records, it could be a good night for Democrats. It’s a similar story tonight in Milwaukee County.Again, the key tonight will be patience. Some states will take a while to count votes this election night. Election officials from coast to coast are telling their workers not to worry about being fast, but to worry about being right.The Senate racesAs the first presidential results gradually come in, don’t forget to keep an eye on the U.S. Senate results as well. After all, whoever wins the presidency will need Congress to help pass their agenda.As a reminder, currently there are 53 Republican senators and 47 Democratic senators. There is a total of 35 Senate races this year. Republicans think they can pick a seat up in Alabama, while Democrats think they are in good position to pick up Arizona, Colorado, North Carolina and Maine.Remember, the Senate confirms judges, helps pass bills and confirms cabinet positions.The presidential raceAs for the race for the White House, one state to keep an eye on is Wisconsin, with 10 electoral college votes. It’s a state President Donald Trump and Joe Biden have campaigned heavily in the last few days. Trump won there in 2016. His margins were thin though. In Kenosha County for example, he won by just 255 votes four years agoFour years ago, Trump won by carrying Pennsylvania and the upper Midwest. Democrats are hoping to flip each one of those states.Polls have shown Biden leading the Midwest, at least in Wisconsin, Michigan and Pennsylvania. But can u trust the polls this year? We asked University of Southern California’s Bob Shrum what’s different this year.“The state polls were changed drastically in the sense that most of them didn’t have a filter for education,” said Shrum. “And they had too many college educated whites and not enough non-educated whites.”As far as what’s driving voters, a CNN exit polls shows that 34% consider the economy the top issue, with racial inequality at 21%, followed by the coronavirus at 18%.Biden is watching the results come in from Delaware, while Trump is at the White House.Watch Joe St. George discuss what to be on the lookout for 3862

WASHINGTON (AP) — The Supreme Court has ruled unanimously that states can require presidential electors to back their states’ popular vote winner in the Electoral College.The ruling, just under four months before the 2020 election, leaves in place laws in 32 states and the District of Columbia that bind electors to vote for the popular-vote winner, and electors almost always do so anyway.So-called faithless electors have not been critical to the outcome of a presidential election, but that could change in a race decided by just a few electoral votes. It takes 270 electoral votes to win the presidency.A state may instruct “electors that they have no ground for reversing the vote of millions of its citizens,” Justice Elena Kagan wrote in her majority opinion.The lawyer for the electors who challenged the state rules told The Associated Press that he’s glad the court acted now.“Obviously, we don’t believe the Court has interpreted the Constitution correctly. But we are happy that we have achieved our primary objective — this uncertainty has been removed. That is progress,” lawyer Lawrence Lessig said. 1123

We're highlighting people taking action on behalf of racial equality in their everyday life. That includes a woman who started a parody Twitter account centered around the neighborhood network Nextdoor.“I just found that Nextdoor brought so much levity to my day, at least in my neighborhood, because Glenn Park is a really quiet residential neighborhood in San Fran, so I had this one neighbor that would complain about someone rearranging her lawn gnomes every single day at 4 p.m. like on the dot,” said Jenn Takahashi, the creator of the @BestofNextdoor Twitter account.Takahashi says she basically started the twitter account to make other people laugh. She posted passive aggressive arguments between neighbors, people helping each other and other funny posts.However, she says she also got a lot of submissions that weighed heavy on her and highlighted what she described as racism running rampant.“I always struggled with that because I didn’t want to put that negative energy back out there, but at the same time, I feel like those stories need to be told also,” she said.Recently, Takahashi tweeted Nextdoor’s tweet saying “black lives matter” with another person's post that got taken down for the same thing. Since then, people have shared even more stories of unexplained censored or deleted similar posts.A petition was even started to get racial bias training for Nextdoor neighborhood leads or moderators, among other demands.“I did not realize how completely what a mess their lead program was,” said Takahashi. “These people don’t have any training at all.”Since all this, Nextdoor has said it will "better educate our neighbors on what is and is not allowed on the platform, drawing a firm line against racist behavior and removing comments and members who violate the rules.”Nextdoor also ended a feature that allowed users to forward their posts directly to a local police department. 1913

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