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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. — A new US government report delivers a dire warning about climate change and its devastating impacts, saying the economy could lose hundreds of billions of dollars -- or, in the worst-case scenario, more than 10% of its GDP -- by the end of the century.The federally mandated study was supposed to come out in December but was released by the Trump administration on Friday, at a time when many Americans are on a long holiday weekend, distracted by family and shopping.Trump, speaking to reporters Monday, said he doesn't believe the report.David Easterling, director of the Technical Support Unit at the NOAA National Centers for Environmental Information, emphasized that there was "no external interference in the report's development." He added that the climate change the Earth is experiencing is unlike any other."The global average temperature is much higher and is rising more rapidly than anything modern civilization has experienced, and this warming trend can only be explained by human activities," Easterling said.Coming from the US Global Change Research Program, a team of 13 federal agencies, the Fourth National Climate Assessment was put together with the help of 1,000 people, including 300 leading scientists, roughly half from outside the government.It's the second of two volumes. The first, released in November 2017, concluded that there is "no convincing alternative explanation" for the changing climate other than "human activities, especially emissions of greenhouse gases."The report's findings run counter to President Donald Trump's consistent message that climate change is a hoax. On Wednesday, Trump tweeted, "Whatever happened to Global Warming?" as some Americans faced the coldest Thanksgiving in over a century.But the science explained in these and other federal government reports is clear: Climate change is not disproved by the extreme weather of one day or a week; it's demonstrated by long-term trends. Humans are living with the warmest temperatures in modern history. Even if the best-case scenario were to happen and greenhouse gas emissions were to drop to nothing, the world is on track to warm 1.1 degrees Fahrenheit.As of now, not a single G20 country is meeting climate targets, research shows.Without significant reductions in greenhouse emissions, the annual average global temperature could increase 9 degrees Fahrenheit (5 Celsius) or more by the end of this century, compared with preindustrial temperatures, the report says. 2509

We are aware of the unacceptable comments exchanged from both sides of the basketball court during the heated rivalry between St. Joseph and Righetti High School Tuesday night. The incident is being addressed by SMJUHSD and RHS school officials. We have no further comment at this time. 294

WASHINGTON, D.C. – President Donald Trump announced Monday that his administration is distributing 150 million Abbott rapid point-of-care tests in the coming weeks.Trump said 50 million tests will go to the nation’s most vulnerable communities, including 18 million for nursing homes, 15 million for assisted living facilities, 10 million for home health and hospice care agencies, and nearly 1 million for historically Black colleges and tribal nation colleges.The president said 100 million tests will be given to states and territories to support their efforts to reopen their economies and schools.“For example, the support my administration is providing would allow every state to, on a regular basis, test every teacher who needs it,” said Trump. “This continues our critical effort to use testing to protect high-risk communities.”Trump said the new Abbott rapid point-of-care tests are easy to use and return results in minutes. He said you can get a result in a maximum 15 minutes and no machine is needed to process them.After the president’s testing announcement, Admiral Brett Giroir spoke and actually demonstrated how the tests work.Giroir explained that the Abbott uses a nasal swab. To administer the test, the admiral said you put six drops of liquid on a piece of paper, swab the nostrils five times each, insert the swab into the test, twist three times, pull a piece of adhesive off and wait for the results.Giroir said it’s not a home test but can be administered in places like schools, churches or parking lots.As of Monday, Giroir said the U.S. had performed over 111 million tests for the novel coronavirus and the nation averages about 920,000 tests per day. He said the new tests will help increase the nation’s testing capabilities.The briefing comes a day before Trump is set to take on former Vice President Joe Biden in the first presidential debate of the 2020 election. One of the announced topics is the COVID-19 pandemic, which Biden has accused Trump of failing to adequately address.As of Monday afternoon, the COVID-19 death toll was near 205,000, with at least 7.1 million cases confirmed in the nation, according to Johns Hopkins University. Worldwide, the death toll is nearing 1 million.The press conference also came after a bombshell report from The New York Times, in which the publication says it has obtained more than two decades worth of Trump’s tax information.The documents reportedly revealed Trump paid just 0 in federal income taxes in 2016 and 2017. In 10 of the 15 years before that, he paid no income taxes at all, The Times reports.Trump did not take questions after Monday's press conference, so he didn't comment on the tax report, but he has called the reporting "fake news" in other places. 2763

WASHINGTON (AP) — The Pentagon says the U.S. will deploy additional troops and military equipment to Saudi Arabia and the United Arab Emirates to beef up security, as President Donald Trump has at least for now decided against any immediate military strike on Iran in response to the attack on the Saudi oil industry.Defense Secretary Mark Esper says this is a first step, and he is not ruling out additional moves down the road. He says it's a response to requests from the Saudis and the UAE to help improve their air and missile defenses.Esper and Gen. Joseph Dunford, chairman of the Joint Chiefs of Staff, say details of the deployments will be determined over the coming days. 690