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TAMPA, Fla. – Both presidential candidates will hold campaign events in Tampa on Thursday as they make their final pitches to voters in the swing state of Florida.Tampa is located in the western end of the state’s Interstate 4 corridor, an area The Associated Press says is known for its rapid residential growth, sprawling suburbs and status as an ever-changing, hard-fought battleground during presidential elections.President Donald Trump will visit the Gulf Coast city first, holding a “Make America Great Again” rally that’s scheduled to start around 1:35 p.m. ET.Watch Trump's event below:Following a stop in Broward County, former Vice President Joe Biden will host a drive-in event in Tampa, which is set to begin at about 6:30 p.m. ET.The stakes are highest in Florida for Trump, who is hoping to retain the state’s 29 electoral votes that he won in 2016. If he doesn’t win The Sunshine State, his options to reach the all important 270-vote threshold are limited, though still possible, based on polling.With Election Day just five days away, both nominees are focusing on encouraging voters to turn out for them. As of Wednesday, more than a third of registered voters had already voted, CNN reports. That’s over 75 million Americans.In the final days of the campaign, the conversation continues to revolve around the ongoing coronavirus pandemic. More than 227,000 people have died from COVID-19 so far in the U.S. and the nation is seeing an uptick in cases as we move into the fall and winter months.Trump and Biden are addressing the pandemic differently. The president is arguing that the country is rounding a corner and promising that a forthcoming vaccine will bring things back to normal, while his Democratic opponent is pointing to the Trump administration's failures. 1798

TAMPA, Fla. (AP) — A Florida teen identified as the mastermind of scheme that gained control of Twitter accounts of politicians, celebrities and technology moguls has pleaded not guilty to multiple counts of fraud. Seventeen-year-old Graham Clark is accused of using the hijacked Twitter accounts to scam people around the world out of more than 0,000 in Bitcoin. He faces numerous charges including 17 counts of communications fraud and 11 counts of fraudulent use of personal information. Two other men were also charged in the case. Mason Sheppard, 19, of Bognor Regis, U.K., and Nima Fazeli, 22, of Orlando were charged separately last week in California federal court.Court papers in the California cases say Fazeli and Sheppard brokered the sale of Twitter accounts stolen by a hacker who identified himself as “Kirk,” and said he could “reset, swap and control any Twitter account at will” in exchange for cybercurrency payments, claiming to be a Twitter employee.The documents do not specify Kirk’s real identity but say he is a teen being prosecuted in the Tampa area.Twitter has said the hacker gained access to a company dashboard that manages accounts by using social engineering and spear-phishing smartphones to obtain credentials from “a small number” of Twitter employees “to gain access to our internal systems.” Spear-phishing uses email or other messaging to deceive people into sharing access credentials.The prosecution believes Clark called a Twitter employee and was able to convince the employee he was a coworker, according to the Wall Street Journal.A blog post from Twitter last week shared some details of the hack. "Using the credentials of employees with access to these tools, the attackers targeted 130 Twitter accounts, ultimately Tweeting from 45, accessing the DM inbox of 36, and downloading the Twitter Data of 7." Clark was arrested Friday and entered the not-guilty pleas Tuesday. He remains in jail with bond set at 5,000. A bond hearing is set for Wednesday. 2013

The attached document was just released by the Ventura County Medical Examiner's Office regarding Naya Rivera, whose body was found yesterday in Lake Piru. pic.twitter.com/6APEgrBPaQ— Ventura Co. Sheriff (@VENTURASHERIFF) July 14, 2020 243

Swedish clothing company H&M is planning to close 250 stores next year.On Thursday, CEO Helena Helmersson said in a press release that the coronavirus pandemic had played a role in the retail chain's decision since more shoppers were buying online."More and more customers started shopping online during the pandemic, and they are making it clear that they value a convenient and inspiring experience in which stores and online interact and strengthen each other," Helmersson said.Helmersson added that sales declined 5% in September compared to the same time last year."Although the challenges are far from over, we believe that the worst is behind us and we are well placed to come out of the crisis stronger," Helmersson said.H&M has 5,000 stores worldwide. No word yet on which stores will be closing. 821

Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999