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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 Supreme Court is rejecting an appeal from environmental groups trying to stop President Donald Trump from building a wall on the U.S.-Mexico border, even as other legal action against the wall is ongoing.The justices on Monday left in place a ruling by a federal judge in San Diego who rejected challenges claiming that the Trump administration improperly waived laws requiring environmental and other reviews before construction can begin.The judge in the San Diego case was Gonzalo Curiel. Trump criticized Curiel during the presidential campaign for his handling of fraud allegations against now-defunct Trump University. Trump had already proposed a border wall and suggested the Indiana-born judge's Mexican heritage meant he wouldn't be fair to Trump in the fraud lawsuit. 808

WASHINGTON (AP) — President Donald Trump’s older sister, a former federal judge, is heard sharply criticizing her brother in a series of newly released recordings.At one point, Maryanne Trump Barry is heard saying the president “has no principles.”Barry was secretly recorded by her niece, Mary Trump, who has released a book denouncing the president.Mary Trump said Saturday she made the recordings in 2018 and 2019. The Washington Post was the first to report on them.At times, Barry speaks critically of what she says is her brother's tweeting, lack of preparation and lying."The g*****n tweet and the lying,” she can be heard saying. “Oh, my God, I’m talking too freely, but you know. The change of stories, the lack of preparation, the lying, the- holy sh*t."Barry also is heard claiming that Trump paid somebody to take the SAT college entrance exam for him."I mean, I didn’t get him in, but I know he didn’t get into college. And he- And he went to Fordham for one year and then he got into University of Pennsylvania. Because he had somebody take his—take the exams."Barry said she hasn’t asked her brother for a favor since 1981, when she was being considered for the federal court."Donald's out for Donald, period. When he said, he started to say something to me, ‘boy look at what I've done for you.’ And I said, ‘you have done nothing.’ Deliberately I have never asked him for a favor since 1981 when I was highly considered to go on the federal court, on my own merits."In a statement, the president says, “Every day it’s something else, who cares." 1570

WASHINGTON, D.C. – Joe Biden painted a very different picture of the COVID-19 pandemic than President Donald Trump during his first briefing as the nation's president-elect on Monday. "We are still facing a very dark winter," Biden said after a briefing with his advisers in Delaware. Biden announced a new COVID-19 advisory board. The group will be co-chaired by Dr. David Kessler, a former Food and Drug Administration commissioner; Dr. Vivek Murthy, a former surgeon general of the United States; and Dr. Marcella Nunez-Smith, a public health professor at Yale University. "Please wear a mask," Biden implored those watching. WHAT WOULD CHANGE UNDER BIDEN When President-elect Biden takes office, more than just "presidential tone" will change. "They are going to allow the evidence to be back in the driver seat," said Dr. Jon Andrus, an adjunct professor of global health at The George Washington University. Some of the potential changes include: a national mask mandate, more guidance to governors and mayors, increased reliance on international health groups, and more testing and contact tracing. "Lessons learned from many countries, such as those in southeast Asia, show aggressive testing and contracting tracing works," Andrus said. Biden's statement to the media came on the same day Pfizer released promising news about a potential vaccine, saying it 90% effective in some of their trials. 1413

WASHINGTON (AP) — President Donald Trump’s chief of staff Mark Meadows has been diagnosed with the coronavirus as the nation sets daily records for confirmed cases for the pandemic. Two senior administration officials confirmed Meadows tested positive for the virus, which has killed more than 236,000 Americans so far this year. Meadows traveled with Trump in the run-up to Election Day and last appeared in public early Wednesday morning without a mask as Trump falsely declared victory in the vote count. He had been one of the close aides around Trump when the president came down with the virus more than a month ago, but was tested daily and maintained his regular work schedule. 693

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