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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

WASHINGTON, D.C. – If Joe Biden wins the presidency, the former vice president says he would rejoin the Paris Agreement on his first day in office.The United States formally withdrew from the agreement on Wednesday, as President Donald Trump promised to do last year.“Today, the Trump Administration officially left the Paris Climate Agreement. And in exactly 77 days, a Biden Administration will rejoin it,” Biden tweeted Wednesday in reaction to Trump’s actions.The agreement is a global pact that was put together by the United Nations in 2015 to help avert the threat of catastrophic climate change.The central aim is to strengthen the global response to the threat of climate change by keeping a global temperature rise this century well below 2 degrees Celsius above pre-industrial levels and to pursue efforts to limit the temperature increase even further to 1.5 degrees Celsius.Scientists say that any temperature rise over could have devastating impacts on parts of the planets, including rising sea levels, an increase in tropical storms and worsening droughts and floods.A total of 189 countries remain committed to the accord, according to The Associated Press. 1182

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’re getting a clearer picture of housing inequalities minority families are facing.Two economists analyzed more than a decade of tax assessment and sales information for nearly 120 million homes across the country. They focused on areas where every homeowner theoretically faces the same tax rate.What they found was that minority homeowners still ended up paying a ten to 13 percent higher tax rate on average. For the median Black or Hispanic household, that could be an extra to 0 a year.They also looked at property tax appeals in Chicago, and found Black homeowners were significantly less likely to appeal their property tax assessment. This kind of data is not available nationwide, but it is believed to be a widespread issue.“So much of it is rooted in systemic and historical structures of racism. So, you know, if you’re white and middle class in this country and you feel like your property tax bill is off in a way that doesn’t benefit you, your experience with government has probably been ‘oh, if I appeal or either that there's probably a process by which i can go get that wrong righted and i'll be given a fair shake at that,’” said Chris Hoene, with the California Budget and Policy Center.Hoene said Black Americans overall have had a far different experience with government, and the idea a Black homeowner would go and appeal and be treated fairly is not something they would consider.Hoene suggests creating systems that are less dependent on showing up in person to make their case, possibly allow appeals through an online system.The economists who looked at the nationwide data suggest assessors to look at zip code level home price indexes to reduce overtaxation. They said doing that could reduce the total inequality in property tax assessments up to 70 percent. 1807

WASHINGTON (AP) — President Donald Trump says his personal attorney Rudy Giuliani has tested positive for coronavirus. The president confirmed in a Sunday afternoon tweet that the former New York mayor had test positive for the virus. Giuliani has traveled extensively to battleground states in recent weeks in effort to help Trump subvert his election loss. Trump wished Giuliani a speedy recovery, tweeting: “Get better soon Rudy, we will carry on!!!” Giuliani made an appearance earlier on Sunday on Fox News to speak about his legal challenges in several states on behalf of Trump. 593

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