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Consumers are looking for greater protections for their personal and financial information in the wake of the Equifax data breach. Many have decided to take precautions and put their credit on ice: a credit freeze.A credit freeze aims to block anyone from opening new accounts in your name. The catch is that the block applies to legit inquires, too. So it's not a great idea if you're shopping for a home or an auto loan. But when you're not looking to take out any loans or open any lines of credit, it can be a financial lifesaver.The Equifax hack, in which the names, Social Security numbers, birth dates, addresses, and driver's license numbers of 143 million people were exposed, may create a new normal in which protections previously viewed as cumbersome -- like credit freezes -- are now a valued line of defense."A security freeze is the most effective measure against 'new account' identity theft, because it stops thieves from using the consumer's stolen information," says Chi Chi Wu, a staff attorney at the National Consumer Law Center.Here's what you need to know about freezing your credit:What is a credit freeze?A credit freeze limits who can see your credit report information. The goal is to prevent anyone from opening any new accounts. It doesn't damage your credit or stop your credit report from evolving by your own actions.Your credit information will still be released to your existing creditors and any debt collectors who may come calling.But, if you want to open new lines of credit, you'll need to lift the freeze first. This can be done temporarily, either for a set time or for a particular party, like a landlord or lender.The costs to freeze and lift the freeze on your credit vary based on where you live and for each credit reporting agency, but commonly range from to per agency.If you're a resident of certain states -- like Maine or South Carolina?-- it's free.In response to public outcry, Equifax announced that fees to freeze your credit will be waived for the next 30 days.But even that doesn't totally protect your information since your data isn't fully frozen until it is on ice at all three credit bureaus. The other bureaus have their own fees. It's also unclear whether Equifax would still charge you a fee to lift the freeze. The company did not immediately respond to request for comment.Consumer protection organizations like the National Consumer Law Center are further calling for Equifax to waive the fees for credit freezes at all three credit bureaus.How is it different from fraud alerts or other credit monitoring?The credit reporting companies do little to make getting a credit freeze easy: you have to ask each of them individually, pay a fee (usually) to put it in place, ask each of them specifically to lift the freeze and often pay another fee. That's because your data is the product that they sell to other people and companies. If you freeze it, it isn't as valuable.As such, they are more likely to offer you fraud alerts and other credit monitoring products. These are services that will let you know when someone is looking at your credit and may contact you about a new account opened in your name. It's helpful, but it is often after the fact."Equifax is offering something that it says functions like a credit freeze," says Mike Litt, consumer program advocate with US Public Interest Research Group. "The problem is that it is incomplete protection and it only lasts for a year. What we're recommending is that people don't bother with the package Equifax is offering and just place freezes with the three credit bureaus instead."Can I still get a credit card or loan?Sure. When your credit is frozen you can continue to operate your financial life just as you typically would. The only notable thing is that you will need to notify the credit bureaus to lift the freeze before you ask a lender to approve you for credit.If you are able to determine which credit agency your potential lender is using to run your credit, you can even save yourself some fees by just requesting the freeze to be lifted on that one.The reporting agencies tell you that this may delay a legitimate credit request.But for those who don't feel comfortable with the way the credit reporting agencies are handling their treasure trove of personal information, a notification to the agencies and day or so delay may be a fair price to pay for added security.The agencies advise you to plan ahead and lift a freeze a few days before actually applying for new credit.How do I freeze my credit?With millions of people feeling vulnerable after the hack and scrambling to secure their most important information, getting a credit freeze has been more difficult than usual in the past few days. Users on Twitter report trying again and again to secure credit freezes, with both the website and phone systems failing.Keep trying.To set up your own credit freeze, go to the freeze page at each credit agency's website individually: Equifax, TransUnion,?Experian.You will be asked to provide information. If you do not want to put your information into another automated computer system, you can call the agencies directly. Usually you are given a PIN number, which is your key to lift the freeze. Do. Not. Lose.In addition to being subject to your state laws, the cost may also vary by agency.Often there is no charge for victims of identity fraud to add or lift a security freeze. Rules and fees at TransUnion, Experian and Equifax are similar, with the exception of Equifax's being waived for the next 30 days. 5652

Climate studies often pinpoint the detrimental public health impacts related to rising atmospheric temperatures, extreme weather events and other consequences of a changing climate.A report released by the World Health Organization on Wednesday details the public health benefits that could come with tackling the issue.Meeting the commitments of the 2015 Paris climate agreement could save millions of lives and hundreds of billions of dollars by the middle of the century, according to the report.Meeting the goals put forth in the Paris agreement would be expected to save more than 1 million lives a year from air pollution alone by 2050, it says. Drivers of climate change, principally fossil fuel combustion, contribute to about 7 million deaths worldwide from outdoor and indoor air pollution annually, according to the report.The Paris Agreement is a pledge among representatives from countries around the world to take action against climate change, specifically by reducing their nations' carbon output and halting global warming below 2 degrees Celsius over pre-industrial levels by the end of the century. The United States pledged to withdraw from the landmark agreement last year.Global leaders and officials are now gathering for two weeks of meetings at the 24th Conference of the Parties to the United Nations Framework Convention on Climate Change, or COP24, to create a rulebook that will turn the Paris climate agreement into a workable reality. They aim to establish rules, figure out financing and build ways to verify that nations are meeting their commitments.UN Secretary-General Antonio Guterres called for action Monday in Poland, telling gathered delegates that "we are in deep trouble with climate change." 1743

Confirmed cases of COVID-19 worldwide surpassed 40 million on Monday morning, according to a database kept by Johns Hopkins University.The United States (8.1 million), India (7.5 million), Brazil (5.2 million) and Russia (1.4 million) lead the world with the highest numbers of cases.Worldwide deaths linked to the virus total 1.1 million worldwide. The U.S. continues to lead the world in deaths linked to the virus with 219,674.The grim milestone comes as case rates around the world are spiking, marking some of the highest daily totals of new cases since the disease began spreading. On Friday alone, 411,337 people around the world were diagnosed with COVID-19 — the most in a single day since the start of the pandemic.The U.S. appears to be among the main drivers of the spike in case rates around the world. After averaging a staggering 90,000+ new cases a day last month, India has made efforts to slow the spread of COVID-19 in recent weeks. Within the past few days, the U.S. surpassed India as the country with the highest rate of new cases, with an average of more than 60,000 a day.Infectious disease experts in the northern hemisphere warn that the coming weeks are vital in slowing the spread of the virus ahead of the winter months. Experts like Dr. Antony Fauci say that it will be much more difficult to stop the spread of COVID-19 as people move activities indoors during colder weather. 1415

CLEVELAND - This story proves just about anyone can get scammed. A man from Oberlin, Ohio said even though he's an experienced buyer and seller of cars online, criminals got him."You never thought you'd be a victim of a scam like this,” we asked Derrick Macarthy. “Never,” Macarthy told us.He isn't some dumb guy who fell for a scam. “The eBay Motors page looked official,” he remembered.Macarthy was looking for a van, found one on Craigslist. It was 00 and to him that’s a lot of money. "I don't have 00 to just throw away," he told us.The seller sent him a note saying the husband supposedly died 5 months ago. "They told me they had just moved to another state and that they were dealing with eBay Motors," said Macarthy.He wasn't familiar with eBay Motors, but he went to Rite Aid anyway. He bought a half-dozen eBay gift cards and gave the crooks the numbers. Then, he even got a message from them saying "I'm sure you will love this car...take good care of it…I loved this car very much.""They're good, huh?” we asked.“They are. So, buyers beware," Macarthy replied.Beware because Macarthy got another message 30 minutes later saying they needed a thousand dollars more to ship the car to him. Macarthy knew, though, the ad said no shipping fee. So, the red flags went up and called eBay."When you hear, 'You've been scammed,' what goes through your mind?” we asked him.“I just hit the floor,” said Macarthy. He was devastated. He has a family that needs a van. Plus, he never suspected anything because he's bought and sold cars with honest people on Craigslist in the past. "I put the ad on there. (Buyers) responded. Money, title, and keys were exchanged and everybody was happy. (That’s) not how it happened this time."Macarthy said he went to local police but they don't have the resources to track down the scammers who stole his money. "I wish there was some way to get that back,” he told us.eBay Motors has a big warning that even highlights Craigslist for scams like this. The examples include scammers using eBay gift cards.The Better Business Bureau also has warnings and advice.Macarthy has his own suggestions for you. "Things can look very, very real and be the total opposite. So, just be careful."eBay Motors suggests you tell the seller that you'll pay when you pick up the car. And watch out for sellers wanting quick payments through gift cards, wire transfers, or re-loadable money cards.  2436

CNN and the New York Times both reported on Friday that Vice President Mike Pence’s several members of the Secret Service’s team tested positive for the virus during his recent trip to Arizona.CNN reported that eight members of Pence’s team had positive COVID-19 tests. Meanwhile, the New York Times reported that two members of Pence’s Secret Service travel team tested positive.The Secret Service has not confirmed the reports.Pence had planned an event in Yuma, Arizona, on Tuesday. Instead, Pence made a brief visit to Phoenix on Wednesday to meet with public health officials.CNN reported that the eight members of Pence’s team remained holed up in Arizona as of Friday evening, citing two sources.The reports come as both Pence and President Donald Trump have ramped up their public schedules, holding rallies and public events. The events come after both Pence and Trump largely remained in the Washington, D.C.., area during the spring as the coronavirus began to spread in earnest nationally.As Friday’s reports surfaced, Trump, along with the usual large contingent of Secret Service employees, traveled to Mount Rushmore for a firework display. 1164