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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 HOLLYWOOD, Calif. -- Adult-film actress Stormy Daniels was honored in West Hollywood with her own day and a key to the city Wednesday.While at the ceremony, Daniels said jokingly, “I’m not really sure what the key opens. I’m hoping it’s a wine cellar."West Hollywood Mayor John Duran proclaimed Wednesday “Stormy Daniels Day” after praising the adult-film actress. RELATED: Stormy Daniels files defamation lawsuit against Trump"Out of all the chaos of the Trump administration, our own Lady Godiva appeared on horseback," Duran said during a raucous presentation at Chi Chi LaRue's erotic apparel shop. "And as you know, Lady Godiva rode naked through the streets of England to protest injustice and taxes, and we have our own Lady Godiva here in the city of West Hollywood."Daniels is suing President Trump and his attorney in federal court in hopes of invalidating a non-disclosure agreement she signed.Daniels claims, despite signing the document herself, that it’s invalid because Trump never signed it.RELATED: Judge denies motion by Stormy Daniels' attorney to depose Trump, CohenTrump’s personal attorney, Michael Cohen, admitted to paying Daniels 0,000 as part of the non-disclosure agreement. 1232

We sincerely regret that this incident fell short of the experience we strive to give our customers every day. We reached out to this customer immediately after being notified of this event. We take the safety of our community and the conduct of Dashers extremely seriously. We have since taken appropriate actions, including deactivating the Dasher from our platform for failing to follow and maintain our standards of food safety.This story was originally published by Kimberly Craig on 497

WASHINGTON, D.C. — A group of former George W. Bush administration and campaign officials have launched a new super PAC supporting Democratic presidential candidate Joe Biden.It's the latest in a growing number of Republican groups to come out in support of Biden over President Donald Trump.The group, 43 Alumni for Biden, has recruited at least 200 former White House officials, campaign aides and Cabinet secretaries who worked under Bush to join the push against the Republican incumbent.“Earlier this summer, having seen far too many days filled with chaos emanating from the highest levels of government, we knew it was time to take a stand,” writes the group in its “about us” section on its website. “Former colleagues and friends from both sides of the aisle joined together and began to put our experience to work.”They’re planning to roll out supportive testimonial videos featuring high-profile Republicans and launch a voter turnout effort in key states, aimed at turning out disaffected Republican voters.The group of ex-officials say they’re bound by their shared work experience and belief in a brighter tomorrow.“Political differences may remain among us, but we look forward to a time when civil, honest and robust policy discussions are the order of the day,” wrote the group. 1303

WASHINGTON, D.C. – The U.S. Senate has passed a resolution reaffirming its commitment to “the orderly and peaceful transfer of power called for in the Constitution.”Senate Resolution 718 was offered by Democratic Sen. Joe Manchin and passed by unanimous consent on Thursday in response to comments made by President Donald Trump on Wednesday.By unanimous consent, the Senate passed S. Res. 718 (Reaffirming the Senate’s commitment to the orderly and peaceful transfer of power called for in the Constitution of the United States, and for other purposes).— Senate Periodicals (@SenatePPG) September 24, 2020 Responding to a reporter’s question, the president declined to commit to a peaceful transfer of power if he loses the Nov. 3 presidential election to former Vice President Joe Biden."We're going to have to see what happens. You know, that I've been complaining very strongly about the ballots and the ballots are a disaster," said Trump before the reporter asked the question again."We want to have, get rid of the ballots and you'll have a very transfer, you'll have a very peaceful, there won't be a transfer, frankly,” said Trump. “There'll be a continuation. The ballots are out of control. You know it, and you know, who knows it better than anybody else? The Democrats know it better than anybody else.”Party leaders from both sides of the aisle are pushing back on Trump’s comments.Senate Majority Leader Mitch McConnell, an ally of Trump, vowed an “orderly transition” as has been done since the nation’s founding.The winner of the November 3rd election will be inaugurated on January 20th. There will be an orderly transition just as there has been every four years since 1792.— Leader McConnell (@senatemajldr) September 24, 2020 House Speaker Nancy Pelosi said she trusts voters.“I have confidence in the people,” she said during a press briefing.A reporter pressed Pelosi about any action her or Congress may take in response to the president.“I don’t think he’s worth the effort at this point. We have 40 days until the election," Pelosi responded.On Thursday, the White House press secretary Kayleigh McEnany said Trump will accept the results of a “free and fair election.” She insisted, as the president does, that there is a potential for many fraudulent ballots.Still, the response from Capitol Hill was unequivocal, that lawmakers expect a peaceful transition, if Trump loses. 2410