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WASHINGTON (AP) — The Supreme Court will allow Pennsylvania to count ballots received up to three days after the election, rejecting a Republican plea. The justices divided 4-4 Monday, an outcome that upholds a state Supreme Court ruling that allowed election officials to receive and count ballots until Nov. 6, even if they don't have a clear postmark. According to the Associated Press, Chief Justice John Roberts, along with Justices Stephen G. Breyer, Sonia Sotomayor, and Elena Kagan, rejected Pennsylvania Republicans’ call for the court to block the state court ruling.Justices Samuel Alito, Neil Gorsuch, Brett Kavanaugh, and Clarence Thomas wanted the state to stop accepting absentee ballots on Nov. 3, the AP reported.Republicans, including President Donald Trump's campaign, have opposed such an extension, arguing that it violates a federal law that sets Election Day as the first Tuesday after the first Monday in November and that such a decision constitutionally belongs to lawmakers, not the courts. 1025

WASHINGTON (AP) — President Donald Trump's former personal lawyer is planning to tell a House committee that Trump knew ahead of time that WikiLeaks had emails damaging to Hillary Clinton's presidential campaign and that Trump is a "racist," a "conman" and a "cheat."Michael Cohen suggests in prepared testimony obtained by The Associated Press that Trump also implicitly told him to lie about a Moscow real estate project. Cohen has pleaded guilty to lying to Congress about the project, which he says Trump knew about as Cohen was negotiating with Russia during the election. 585

We're about a month from thanksgiving and Dr. Anthony Fauci is warning that we may need to change our plans with COVID-19 cases increasing.His three adult daughters aren't coming home because they're worried about exposing their dad, who's 79 years old.Dr. Syra Madad has been a leader in the response to the coronavirus in New York. She says nationwide we are in the third peak of the virus but still in the first wave. It's the first wave, because cases never went down enough to reach the baseline.“I think everybody, including myself, we are all tired of COVID-19,” said Madad. “We're all tired of constantly socially distancing, wearing a mask, but this is our new normal. This is our reality, and this is what we have to do to not only protect ourselves, but our family, our loved ones and our community.”She says it is possible to see family or friends safely for the holidays, but you have to plan ahead. First, she recommends quarantining for 14 days before you see them.“Testing does not give you a free pass in terms of, OK I’ve tested negative, that means I don't have to quarantine for 14 days. That means I can safely merge my social bubble. That is absolutely not the case,” said Madad.She also says you need to consider if anyone you are visiting is high risk and do your homework about the area you are traveling to. How many cases have there been in a week to two-week period? Also, look at hospital capacity.And you should consider additional precautions once you arrive.“Even if you've merged your social bubble and you've done that 14-day quarantine period, it's just always best to try to limit the risk in terms of contracting and spreading COVID-19, just in case and so things to do on top of that is try to have these activities outdoor as much as possible,” said Madad.The national Home Safe for the Holidays initiative recently launched by the U.S. Public Interest Research Group is calling for more testing.It says governors need to ensure test results are coming back in 48 hours or less to prevent small incidents from becoming outbreaks.Madad says looking at how much testing is being done in the area you're considering traveling to is important in making your decision. 2210

WASHINGTON (AP) — Social Security recipients will get a modest 1.3% cost-of living-increase in 2021, but that might be small comfort amid worries about the coronavirus pandemic and its consequences for older people. Government estimates released Tuesday show the increase amounts to a month for the average retired worker. The estimated average Social Security payment for a retired worker would be ,543 a month. The cost-of-living adjustment, or COLA, affects the personal finances of about 1 in 5 Americans. The economic fallout from the virus reduced tax collections for Social Security and Medicare. But there's been no real discussion of either program in the election contest between President Donald Trump and Joe Biden. 741

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

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