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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 (AP) — The number of migrants apprehended at the Southern border topped 100,000 for the second month in a row as the Trump administration manages an ever-increasing number of Central American families streaming to the U.S. that hardline policies have failed to stem.Border Patrol Chief Carla Provost told senators Wednesday that apprehension numbers were "off the charts," and she's had to divert agents to care for children. As she spoke, images of Border Patrol agents holding small children flashed behind her. In one, an agent feeds a little girl a bottle."We cannot address this crisis by shifting more resources," Provost said. "It's like holding a bucket under a faucet. It doesn't matter how many buckets we have if we can't turn off the flow."There were 109,144 migrants encountered in April, the highest since 2007, including more than 58,000 migrant parents and children and 8,800 unaccompanied children taken into custody, according to Homeland Security figures. Border apprehensions are a barometer for people coming illegally, and a data point President Donald Trump watches closely and rails against.Provost, a longtime border agent with more than 25 years of experience, said shifting resources will not address the crisis. She said she is worried about drugs and other contraband that is getting through as resources are moved to caring for children."I worry how much more is getting past us," she said. "We have been forced to put our national security at risk."Democratic senators said Trump's own failed immigration policies, including zero tolerance that led to family separations, helped contribute to the crisis at the border. Illinois Sen. Dick Durbin said Trump's immigration policies are cruel, unpredictable and ineffective.But lawmakers on both sides seem to agree more that there is a crisis at the border that needs to be resolved. Provost told senators at a Judiciary subcommittee hearing that border officials need laws changed to be able to detain families until their immigration cases are completed. She also said there needs to be changes to make it easier for children who have traveled alone to be returned to their countries. It's a similar refrain repeated by Homeland Security officials, including Acting Homeland Security Secretary Kevin McAleenan. The White House has asked for .5 billion more to help manage the number of migrants.Unauthorized border crossings have surged since the start of this year. In response, the U.S. government has made some asylum seekers pursue their cases while remaining in Mexico and dramatically limited how many people can request asylum at official crossings. An appeals court ruled late Tuesday that the administration could continue the program while litigation played out. Trump has also ordered agencies to consider charging fees to asylum seekers to pursue their cases once they enter.Administration officials have debated proposals to reduce how many immigrants pass their initial "credible fear" screening as part of the asylum process. Immigration agencies are considering toughening the standards of the interview and having Border Patrol agents conduct interviews instead of asylum officers due to a belief that the agents would be less sympathetic.Immigration agencies also allege that many adults and children who cross the U.S.-Mexico border are falsely posing as families so they can be released more quickly into the country. One practice they say is occurring is called "child recycling," in which immigrant youth pose as the children of multiple adults to get them through processing.Matthew Albence, acting director of U.S. Immigration and Customs Enforcement, said agents in recent weeks have identified 65 adults and children as fraudulent. Agents uncovered one case of a 7-year-old girl from Guatemala whose mother sent her three times to help other adults enter, Albence said.Adults are also posing as teenagers to avoid being deported or sent to ICE detention, he alleged."We have individuals that are 23 that are posing as 16-year-olds," he said.ICE said last week that it would start a rapid DNA pilot program in which adults suspected of not being the parents of children accompanying them could voluntarily be tested for a familial relationship. Immigrant advocates say they worry expanded DNA testing could violate the privacy of migrant families and children and that some parents may not fully understand the process when they agree to it.___Associated Press writer Nomaan Merchant contributed to this report from Houston. 4550

We are aware of the photograph being circulated of a Miami Police officer wearing a political mask in uniform. This behavior is unacceptable, a violation of departmental policy, and is being addressed immediately. pic.twitter.com/E3eO0IQh0f— Miami PD (@MiamiPD) October 20, 2020 286

WASHINGTON (AP) — The partial government shutdown will almost certainly be handed off to a divided government to solve in the new year — the first big confrontation between President Donald Trump and newly empowered Democrats — as agreement eludes Washington in the waning days of the Republican monopoly on power.Now nearly a week old, the impasse is idling hundreds of thousands of federal workers and beginning to pinch citizens who count on varied public services. Gates are closed at some national parks, the government won't issue new federal flood insurance policies and in New York, the chief judge of Manhattan federal courts suspended work on civil cases involving U.S. government lawyers, including several civil lawsuits in which Trump himself is a defendant.Congress is closing out the week without a resolution in sight over the issue holding up an agreement — Trump's demand for money to build a border wall with Mexico and Democrats' refusal to give him what he wants.RELATED: Government shutdown: How San Diego is affectedThat sets up a struggle upfront when Democrats take control of the House on Jan. 3.Trump raised the stakes on Friday, reissuing threats to shut the U.S.-Mexico border to pressure Congress to fund the wall and to cease aid to three Central American countries from which many migrants have fled.The president also has signaled he welcomes the fight as he heads toward his own bid for re-election in 2020, tweeting Thursday evening that Democrats may be able to block him now, "but we have the issue, Border Security. 2020!"With another long holiday weekend coming, just days before House Republicans relinquish control, there is little expectation of a quick fix."We are far apart," White House press secretary Sarah Sanders told CBS on Friday, claiming of Democrats, "They've left the table all together."Incoming acting chief of staff Mick Mulvaney said that Democrats are no longer negotiating with the administration over an offer made back on Saturday to accept less than the billion Trump wants for a wall along the U.S.-Mexico border."There's not a single Democrat talking to the president of the United States about this deal," he said Friday.Mulvaney added of the shutdown: "We do expect this to go on for a while."House Democratic leader Nancy Pelosi has vowed to pass legislation as soon as she takes the gavel, which is expected when the new Congress convenes, to reopen the nine shuttered departments and dozens of agencies now hit by the partial shutdown."If they can't do it before Jan. 3, then we will do it," said Rep. Jim McGovern, D-Mass., incoming chairman of the Rules Committee. "We're going to do the responsible thing. We're going to behave like adults and do our job."But even that may be difficult without a compromise because the Senate will remain in Republican hands and Trump's signature will be needed to turn any bill into law. Negotiations continue between Democrats and Republicans on Capitol Hill, but there's only so much Congress can do without the president.Trump is not budging, having panned Democratic offers to keep money at current levels — .3 billion for border fencing, but not the wall. Senate Republicans approved that compromise in an earlier bill with Democrats but now say they won't be voting on any more unless something is agreed to by all sides, including Trump."I think it's obvious that until the president decides he can sign something — or something is presented to him — that we are where we are," said Sen. Pat Roberts, R-Kan., who opened the Senate on Thursday for a session that only lasted minutes."Call it anything," he added, "barrier, fence, I won't say the 'w' word."Trump long promised that Mexico would pay for the wall, but Mexico refuses to do so.Federal workers and contractors forced to stay home or work without pay are experiencing mounting stress from the impasse.As the partial shutdown stretched toward a second week, Ethan James, 21, a minimum-wage contractor sidelined from his job as an office worker at the Interior Department, wondered if he'd be able to make his rent. Contractors, unlike most federal employees, may never get back pay for being idled. "I'm getting nervous," he said. "I live check to check right now."For those without a financial cushion, even a few days of lost wages during the shutdown could have dire consequences.Roughly federal 420,000 workers were deemed essential and are working unpaid, unable to take any sick days or vacation. An additional 380,000 are staying home without pay.Like James, Mary Morrow, a components engineer on contract for NASA, is in a predicament. In addition to caring for a family largely on her own, she's got a mortgage."I have three teenage boys, it's near Christmas time and we just spent money, there are credit card bills and normal bills and it's really nerve-wracking," she said. "It's scary."Steve Reaves, president of Federal Emergency Management Agency union, said the shutdown could have consequences that stretch beyond a temporary suspension of salary. Many federal government jobs require a security clearance, he said, and missed mortgage payments or deepening debt could hurt their clearance.David Dollard, a Federal Bureau of Prisons employee and chief steward for the American Federation of Government Employees Local 709 union in Colorado, said at least two agency employees lost their homes after the 2013 shutdown suspended their salaries. Bureau of Prisons employees are considered essential, and must work without pay. The agency is already understaffed, Dollard said. Shutdown conditions make everything worse."You start out at ,000 a year, there's not much room for anything else as far saving money for the next government shutdown, so it puts staff in a very hard situation," he said. "We've got single fathers who have child support, alimony. It's very hard to figure out what you're going to do."Candice Nesbitt, 51, has worked for 1? years for the U.S. Coast Guard, the only branch of the military affected by the shutdown. About 44,000 Coast Guard employees are working this week without pay; 6,000, including Nesbitt, have been furloughed.Nesbitt worked for a contractor but took a pay cut in exchange for the stability of a government job. She has a mortgage, is the guardian of her special needs, 5-year-old grandson, and makes about ,000 a year, she said. Any lapse in payment could plunge her into debt. "It shakes me to the core," she said.--AP writer Zeke Miller contributed from Washington. 6522

WASHINGTON (AP) — President Donald Trump is insisting the Navy “will NOT be taking away Warfighter and Navy Seal Eddie Gallagher’s Trident Pin” that designates him a SEAL.Attorneys for Chief Petty Officer Edward Gallagher had accused the Navy of trying to remove the designation in retaliation for Trump’s decision last week to restore Gallagher’s rank.Gallagher was acquitted of a murder charge in the stabbing death of an Islamic State militant captive, but a military jury convicted him of posing with the corpse while in Iraq in 2017. He was demoted to chief.Trump tweeted, “This case was handled very badly from the beginning” and urged those involved to “Get back to business!”Gallagher filed a complaint with the inspector general accusing a rear admiral of insubordination for defying Trump’s actions. 817

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