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At this point, it might be inevitable. Some of you will have your identities stolen.Nearly half of Americans had their personal information exposed during a breach at Equifax, the company announced last week.And it's just the latest hack. Sensitive data on about 80 million Anthem customers was accessed in 2015.These breaches are some of the worst because the information stolen (names, Social Security numbers, addresses) can be used by an imposter to open accounts in your name, steal your tax refund or your Social Security check."This is a goldmine of information for a thief," said Chi Chi Wu, an attorney at the National Consumer Law Center.When your credit card number is stolen, it's easier to fix. You call the credit card company to close the card and get a new number. In most cases, you won't be responsible for the charges. Some of the victims of the Equifax hack did have their credit card numbers exposed. Equifax will notify you in the mail if this is the case.But the credit rating bureau won't notify you directly if you're one of the 143 million people whose more sensitive information was stolen. You must go online to EquifaxSecurity2017.com to find out.First of all, don't panic. If your information was compromised, it does not mean your identity was stolen. There are some steps you can take right now, like placing a freeze on your credit reports, to help prevent it from happening.And even if everything seems fine now, you should also continue to keep a close eye on your accounts and credit reports because your identity might not be stolen right away.If you do find out that someone has created a new account in your name, you'll have to prove that you didn't open the account and you might have to clear bad debt information from your credit report.It could be a long, messy process. Here's where to start:1. Go to IdentityTheft.gov to file an identity theft reportThis is important because it will provide you with a document you'll need to send to other businesses where fraudulent accounts were opened -- not because the government will start investigating your personal case.The form asks you questions about who you are and what accounts were impacted. It doesn't ask for any other documents or even your Social Security number, said John Krebs, an attorney at the Federal Trade Commission.The website will also provide you with a recovery plan after you submit the information. The plan will vary depending on what kind of accounts were created or hacked.2. Put a freeze or fraud alert on your credit reportsYou can request the three credit rating agencies to freeze your credit. This will prevent anyone from opening additional new accounts in your name. You'll have to request to lift the freeze if you want to open a new line of credit yourself. There are usually fees to freeze and unfreeze that vary by state, but generally range between and .If this is too much of a hassle, you can put a free fraud alert on your credit reports instead. This will require creditors to take additional steps to verify your identity before issuing credit.The fraud alert usually lasts for 90 days and can be renewed. But after you fill out the identity theft report online, you can request an extended fraud alert that stays on your credit report for seven years.3. Request, in writing, to close fraudulent accountsContact the fraud department (not customer service) at each business where a new account was opened in your name to explain that someone stole your identity and request that the account be closed.The FTC provides a sample letter you can use to dispute these accounts. Include a copy of your identity theft report. In some cases, the creditor may also ask for a police report, which you must file with local law enforcement first."The creditor will have a higher tendency to believe you if you have the police report," Wu said.Ask the business to send you a letter confirming that the fraudulent account isn't yours, that you aren't liable for it, and that it was removed from your credit report.Under most state laws, you're not responsible for any debt incurred on fraudulent new accounts opened in your name without your permission, according to the FTC.4. Dispute any fraudulent information on your credit reportIf a thief uses your identity to create a new credit card account, for example, it will end up on your credit report. But you have no control over that account. If the imposter doesn't pay the bills, it can seriously hurt your credit score.You'll need to write to each of the three credit rating agencies to request that they remove the incorrect information.The FTC provides a sample letter you can use to explain the situation.You should hear from the agencies in about 30 days on how they are handling the dispute, Wu said.5. Prevent future fraudOnce you've cleared up the situation, remain vigilant. Just because you've reported an incident of identity theft, it doesn't mean it won't happen again.Keep a close eye on all your statements. Consider enrolling in a credit monitoring and theft protection service. If you've already frozen your credit reports, you'll have to temporarily lift the freeze in order to enroll in a monitoring service, according to the FTC.You should also try to file your taxes as early as possible next year -- before someone else tries to use your Social Security number to steal you return, suggests the Massachusetts Attorney General.In addition to your Social Security number, Equifax says that your driver's license number may also have been exposed. In some states, you can ask the Department of Motor Vehicles to place a flag on your license number. This will alert law enforcement to be extra careful identifying a person they pull over, according to the Identity Theft Resource Center. 5795

As the chaotic 2020 presidential race enters its final stretch, Vice President Mike Pence and Democratic vice presidential nominee Kamala Harris will square off in a debate at 9 p.m. ET on Wednesday in Salt Lake City.The COVID-19 pandemic will be at the forefront of Wednesday's debate — both literally and figuratively. As the nation seeks more info regarding President Donald Trump's health amid his COVID-19 infection, both Pence and Harris have agreed to allow debate officials to install plexiglass shields next to their podiums.Harris' staff initially requested the shields, citing the COVID-19 outbreak that's infected several White House staffers. After initially saying the shields were not necessary, Pence's staff agreed to the change on Tuesday night.The Associated Press reports that both Harris and Pence tested negative for the virus on Tuesday morning.Wednesday's debate will be broken into nine 10-minute segments. Each candidate will have two minutes to answer a question from moderator Susan Page, and the other candidate will then have two minutes to respond.The 2020 VP debate will likely hold more important than in years past, given the ages of Trump and his opponent, former Vice President Joe Biden. Trump, 74, was the oldest candidate ever to be elected president in 2016, and Biden, 77, is three years older than Trump. Amid a global pandemic, voters may be taking a keen interest in each administration's chain of command.The Trump campaign is banking on a strong performance from Pence amid slumping poll numbers. An average of national polls shows Biden leading Trump by about nine percentage points, and a recent CNN poll released this week showed that 57% of likely voters favored Biden, compared to just 41% for Trump.Wednesday may also mark the last debate for at least a few weeks. There are two more presidential debates scheduled between now and Nov. 3, but Trump's COVID-19 diagnosis has put the status of the second debate — currently scheduled for a week from Thursday — in doubt. Trump says he still plans to participate, but Biden has said the debate should not take place if the president is still infected with the virus due to safety concerns. 2196

As summer winds down, doctors across the country are warning flu season is fast approaching. Many are watching Australia to see what may happen here when flu season arrives."Where Australia is obviously in the Southern Hemisphere, they're in winter while we’re in summer. We look at their flu season as kind of a six-month predictor of how ours is going to turn out," says Dr. Kenny Banh, the assistant dean of undergraduate medical education at UCSF-Fresno.The number of flu cases in Australia has taken a dramatic dip compared to last year. Dr. Banh says it's unclear if the U.S.'s flu rates will be as low as Australia's.A lot of it has to do with coronavirus precautions that people are taking, Banh hypothesizes."That's what we predict. It's not really so much a change in vaccination rates as much as the social distancing and all the preventative steps of coronavirus that are having the same effect of spreading any disease, including influenza," says Dr. Banh.Doctors say strict measures in Australia to protect people from COVID-19, such as physical distancing, wearing masks and hand washing, have helped prevent the spread of the virus and, incidentally, the flu. Now, some are wondering whether the United States will also see a drop in flu cases this winter."Seeing that they have a drop in influenza, we will certainly have a small influenza season. The issue is Australia is approaching, and the U.S. is approaching coronavirus very different. Their rates are different and they have a much lower per capita infection rate than we have in the U.S. for various reasons," says Dr. Banh.Australia has taken a broader, nationwide approach to protecting people against COVID-19, unlike in the United States, where each state has implemented different restrictions. That's one reason why Dr. Tanya Altmann with the American Academy of Pediatrics recommends every person, 6 months of age and older, gets a flu vaccine."I think this winter, it may be hard to differentiate between the flu and COVID-19 because so many of the symptoms-- cough, fever, aches, chills, are very similar. So by getting the flu vaccine and decreasing the chance your child has influenza, that will help us figure it out," says Dr. Altmann.Dr. Banh says Australia's plummeting flu rates and nationwide protective measures from COVID-19 will hopefully encourage many here in the United States to take the necessary precautions to keep everyone as healthy as possible this winter. 2470

BABSON PARK, Fla. — A second university in Polk County, Florida has announced that they will be joining a program that will allow its staff and faculty to legally carry guns on campus.The announcement comes just eight days after a gunman opened fire on a Florida high school killing 17 people.The Polk County Sheriff's Office, in partnership with Webber International University, is establishing the Sheriff's Sentinel Program to enhance the safety of an already safe and secure community of students, faculty, staff, and guests at the University's campus in Babson Park, Florida."Prayers are not enough," Polk County Sheriff Grady Judd said in a press conference on Thursday. “The only thing that stops a bad guy with a gun is a good guy with a gun."Sheriff Judd explained that each teacher or staff member will have to go through extensive training through the program before they are given a gun."My babies — your babies — are in that classroom, and that active shooter is coming down the hallway with that thousand yard stare and that gun in their hand, do you want somebody to step out and stop him? Or do you want him to go into the classroom and slaughter your babies?" 1194

As school districts across the country prepare to return to school, small businesses that rely on child visitors are closely watching."We're probably at about 15-20% of the business that we normally do. It has been a real gut-wrenching, heart-wrenching moment," said Susan Shaw, owner of The Art Barn in Georgia.When the pandemic hit in March, she thought her business would only be on a month hiatus. Shaw, who goes by Farmer Sue, quickly realized that wasn't the case."By the end of the month I realized we are not going to be back to normal. The schools, our entire spring was lost and 95% of our summer is lost and 100% of our fall is lost because no one is going to be coming out on field trips," said Shaw.The Art Barn provides art and agriculture entertainment for children throughout the year. Shaw hosts birthday parties, school field trips and even teaches at private schools in the afternoon. They, like Benton Family Farms in Kentucky, rely almost entirely on birthday parties, field trips and summer camps to keep their businesses running.Benton Family Farms says their camps ended up getting canceled."Nothing. Five weeks of camp, every weekend of birthday parties, all of our mobile trailers going out. Our mobile trailer was going out to day care centers, churches and libraries," said owner Mary Marcum.Marcum says every single scheduled event they had was canceled. Marcum has been running educational programs on the farm her parents owned for 72 years."For eight weeks now I thought, gosh what can we do? Because my husband does most of the books and he’s said, 'You're in trouble. You’ve got to do something.' And I had done goat yoga about three years ago, but I didn’t have the time," said Marcum.Marcum ended up turning to that one program she felt could hold up during the pandemic: goat yoga."Goat yoga! People were like, it's almost outdoors, it just has a cover over it. It was an open barn and they started coming!" said Marcum.The twice weekend sessions are helping Benton Family Farms pay for some of the feed for their animals. Marcum is now taking donations, holding auctions online and creating any limited outdoor programming she can to try and stay open. So far, only about 180 people are coming out to visit the farm a month. Compare that to their normal of 4,000 people a month. "You're talking about a parent and a child. At 4,000 that’s ,000. I can do all the little things I want but there’s a lot that’s just too much to make up," said Marcum."There were a lot of tears, more prayers and then more tears and then it was finally in mid-June I was able to grab my bootstraps and say, ‘No, you made this business from absolutely nothing, a crazy idea no one thought would work. Girl get your gumption and get going,'" said Shaw.The Art Barn is also trying to be creative with programming to bring people back to her farm during the pandemic. Shaw is creating educational videos of her programs that can be used as a virtual field trip for school districts across the country."There literally will be a field trip online and we’ve broken them into the five stations so the school can purchase, rent those videos and go online," said Shaw.Small businesses like The Art Barn and Benton Family Farms are desperately hoping that schools will allow field trips again soon. Right now, they aren't expecting any student visitors this fall but are hopeful that COVID-19 rates will at least be low enough for field trips to resume in the spring. 3489

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