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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 deadline set Tuesday under federal law essentially locks in President-elect Joe Biden’s victory, even though President Donald Trump is still falsely claiming he won reelection.Outlined in the Electoral Count Act of 1887, the safe harbor deadline falls six days before the Electoral College meets to formally cast votes for the president based on the popular vote in each state. This cycle, that vote will take place on Dec. 14.Other than Wisconsin, every state appears to have met the safe harbor deadline, which means Congress has to accept the electoral votes that will be cast next week and sent to the Capitol for counting on Jan. 6.By the end of the day Tuesday, every state is expected to make its election results official, with 306 electoral votes being awarded to Biden and 232 going to Trump. A total of 270 votes are needed to claim the White House.Those votes will elect Biden as the country’s next president.It’s called a safe harbor provision because it’s a kind of insurance policy by which a state can insulate its electoral votes against challenges in Congress by finishing up certification of the results and any state court legal challenges by the deadline. 1205

WASHINGTON (AP) — President Donald Trump is praising the supporters of QAnon, a convoluted, pro-Trump conspiracy theory, and suggesting he appreciates their support of his candidacy.Speaking during a press conference Wednesday at the White House, Trump courted the support of those who put stock in the conspiracy theory, saying, “I heard that these are people that love our country.” It was his first public comment on the subject. The baseless QAnon theory centers on an alleged anonymous, high-ranking government official known as “Q” who shares information about an anti-Trump “deep state” often tied to satanism and child sex trafficking.Last month, the Combating Terrorism Center at West Point's United States Military Academy issued a study that determined that QAnon is a potential domestic terror threat to the US."At first glance, QAnon, the bizarre assemblage of far-right conspiracy theories that holds that U.S. President Donald Trump is waging a secret war against an international cabal of satanic pedophiles seems to present a far lesser threat to public security," the Combating Terrorism Center wrote. "However, QAnon has contributed to the radicalization of several people to notable criminal acts or acts of violence. In light of these events, this article attempts to take stock of the violence this bizarre set of conspiracy theories has engendered thus far and asks whether it should be seen as a security threat in the making. 1458

WASHINGTON, D.C. – Tuesday is the last day for small businesses to apply for a loan through the Paycheck Protection Program.About 4.8 million businesses received a PPP loan, with a total of 9 billion lent out. But as of Tuesday, there's still more than 0 billion left in the pot.As to why that is, the Small Business and Entrepreneurship Council says there's a few reasons, like concerns over how much would actually be forgiven, constantly changing rules, and strict limits to how the money can be used.“Not all businesses are the same. So, you know you've got businesses with high overhead, maybe few on payroll,” said Karen Kerrigan, President and CEO of the SBE Council. “This program really didn't align with their needs.”Business owners and advocacy groups complain that the money in the PPP was not fully put to work because it created obstacles that stopped countless small businesses from applying.A report from a research group says the program’s shortcomings also made it more difficult for minority businesses to get loans.The owners of a Colorado brewery who got a PPP loan say it helped, but only goes so far."It didn't solve the problems. What it did was sustain us for a few more months."The SBE Council is working with lawmakers on both sides of the aisle for further policy solutions. They're pushing to broaden what expenses can be forgiven, especially when it comes to technology.Through a survey, the group found 87% of small businesses said they wouldn't have been able to survive without cloud-based services.“We know that consumers are on social media and technology platforms looking for new businesses, looking for new brands, looking for new things that they need, and that's where small businesses can really fill that gap,” said Kerrigan.The Small Business Administration says it will be up to Congress to decide what to do with leftover funds from the PPP. 1900

WASHINGTON, D.C. — Treasury Secretary Steven Mnuchin says Republicans are set to roll out the next COVID-19 aid package on Monday.Mnuchin assures that the fine-tuned proposal has the support of President Donald Trump.The secretary and the White House's acting chief of staff, Mark Meadows, met Saturday on Capitol Hill to salvage the trillion proposal that was abruptly pulled back just days ago.Mnuchin told reporters at the Capitol that extending an expiring unemployment benefit — but reducing it substantially — is a top priority for Trump. He called the 0 weekly aid “ridiculous” and a disincentive for people to go back to work.Mnuchin also told the Associated Press that a fresh round of ,200 stimulus checks would be coming in August.Mnuchin’s optimistic assessment comes before Democrats weigh in publicly on the updated proposal, which remains only a starting point in negotiations. 908

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