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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

CLEVELAND, Ohio - Students across the nation are still adapting to their new learning environment as more schools have opted to begin the year with remote learning.But, a study from The Rox Institute revealed that girls in middle and high school are struggling significantly. Nearly 1,300 5th-12th grade girls, who attend 88 different schools, completed the survey.The findings show the pandemic has induced stress, feelings of isolation, and depression.Nearly 40% of girls said they had higher stress levels and 80% said they felt isolated more than they had before COVID-19.Clinical psychologist, Dr. Carolyn Levers-Landis said the findings shouldn't come as a surprise."Many are just wondering, "when will this be over? How much longer do I have? Things keep changing," she said. "You just feel like the rug is getting yanked out from under you over and over again."With girls spending less time with family and friends this summer, the survey said they're turning to social media even more. The results show one-third of respondents are spending six or more hours a day on social media.But, the screen time isn't leaving a positive impact. As many spend the time comparing themselves to others."Girls are struggling even without COVID. In a normal world, they're struggling. And then you isolate them and I think it's really hard for them to navigate their new space," said Robyn Cutler.Cutler is the executive director for Girls on the Run Northeast Ohio, an empowerment group for girls with a fitness component. The organization's website said over the course of the ten-week program, girls in 3rd-8th grades develop essential skills to help them navigate their worlds and establish a lifetime appreciation for health and fitness.Cutler said it's okay for girls to be sad about missing their friends, but encouraged parents and caregivers to find ways to tap into their creativity."There isn't enough space in this isolation period for girls to feel like people are listening to them and interacting with them. Parents and caregivers can really do a great job by just making space for them to pay attention to their girl, have conversations with them, read with them," she said.Both Cutler and Dr. Levers-Landis said parents of young girls should be on the lookout for changes in behaviors. Sleeping too much or too little, eating too much or too little, mood swings and less enthusiasm for things that interest them could all be signs of depression.This story was first reported by Meg Shaw at WEWS in Cleveland, Ohio. 2533

CUPERTINO, Calif. – Apple announced Tuesday that its first fitness experience built around Apple Watch is launching Monday, Dec. 14.The company says Apple Fitness+ will bring studio-style workouts to your iPhone, iPad and Apple TV, incorporating workout metrics from your Apple Watch.The Apple Watch integration will include onscreen animations during key moments during workouts to help users stay motivated.For example, when a trainer says to check your heart rate, those metrics are spotlighted. During tough intervals, a countdown timer starts to help users get through to the last second. And when they close their activity rings, a celebration happens right on the workout screen.The platform will launch with 10 popular workout types: high intensity interval training (HIIT), strength training, yoga, dance, core workouts, cycling, treadmill workouts, rowing, and mild cool downs.Apple says the workouts are led by welcoming trainers and users can enjoy inspiring music from top artists, designed to keep you motivated.Users can choose from nine different styles of music, including latest hits, chill vibes, upbeat anthems, pure dance, throwback hits, everything rock, Latin grooves, hip hop/R&B, and top country. They can also filter by music to find the right workout to fit their current mood.An Apple Music subscription is not required to enjoy the music in Fitness+, but for those who have one, favorite songs or an entire playlist from Fitness+ workouts can be downloaded to their Apple Music library to listen anytime.Fitness+ will be available as a subscription service for .99 or .99 per year. It can be shared among up to six family members for the same price. Three months are included for customers who purchase Apple Watch Series 3 or later, and one month is included for existing Apple Watch users.Apple Fitness+ requires iOS 14.3, watchOS 7.2, iPadOS 14.3, and tvOS 14.3. For Apple Watch users, it will automatically appear as a new tab in the Fitness app on iPhone. The Fitness app for iPad will be available to download from the App Store. And on Apple TV, the Fitness app will automatically appear once users upgrade to tvOS 14.3.Watch Apple’s introductory video for Apple Fitness+ below: 2231

Cleanup is underway in Louisiana and southeastern Texas after one of the strongest hurricanes to ever make landfall in the area caused extensive damage and flooding on Thursday.Reports Thursday indicated that Hurricane Laura killed six people, including a 14-year-old girl. Officials expect that number to rise as recovery efforts continue.Laura is continuing to bring heavy winds and rains to the south-central United States. Reports say that the system spun off tornadoes in Arkansas on Thursday night, and the storm will bring heavy rains and 30 mph winds to the Missouri Valley and Ohio Valley regions on Friday.As of Friday morning, more than half a million people in Louisiana are still without electricity. About 200,000 people in Texas are also without power, including 94 percent of people in Orange County, a county bordering Louisiana.Among the areas hardest hit by Laura was Lake Charles, a city in southwest Louisiana. Though it's located about 40 miles inland, massive storm surge and heavy rain have caused extensive flooding in the area. Photos show homes underwater and structures blown over.Portions of I-10 west of Lake Charles remain closed as of Friday morning as workers attempt to clear debris from the expressway.On Thursday, President Donald Trump said he would visit Louisiana to survey damage over the weekend. 1345

CORONADO (KGTV) — New rules go into effect on Thursday, August 16, restricting where people can and can't use e-cigarettes in Coronado.The City Council passed an ordinance on July 17 to make the popular devices subject to the same rules as regular cigarettes, banning their use in many public places.According to the new law, e-cigarettes will no longer be allowed in the following unenclosed areas:1. All public property including, but not limited to, streets, highways, alleys, rights-of-way, parkways, sidewalks, parking lots and pathways; 2. Outdoor public places; 3. Outdoor recreational areas; 4. Outdoor service areas; 5. Outdoor dining areas.An exception has been made for the Municipal Golf Course, where smoking is also allowed.Anyone caught breaking the new rule could be subject to a 0 fine. The city will put up new signs to let people know of the change.Language in the City Council proposition showed that city leaders feared vaping devices and the smoke from them could be dangerous to the public health. They also wanted to eliminate confusion by having different rules for different kinds of smoking.E-cigarette advocates say bans like these are counter-productive.The Consumer Advocates for Smoke-Free Alternatives Association sent a statement to 10News that reads, in part, "Smoking laws that include a ban on vaping send the inaccurate and misleading message that e-cigarettes are just as harmful as smoking. To date, there is no credible scientific evidence to support this claim. Arguably, vaping bans do more harm than good as smokers see switching to smoke-free products as having no advantage over the combustible products they will continue to use." 1712