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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

Comedian Jim Carrey will appear as Democratic presidential nominee Joe Biden this season on "Saturday Night Live.""SNL" released a promo of Carrey and Maya Rudolph, who's playing Democratic vice president nominee Kamala Harris, via Twitter on Thursday. 260

CINCINNATI — Ringed by neurosurgeons in sky-blue scrubs, masks and magnifying loupes, Makenzi Alley lay on a Jewish Hospital operating table and smiled. Her brain glistened pink and purple under the electrode they used to cautiously probe it; sharper implements awaiting their turn in the procedure shone nearby.At Dr. Vincent DiNapoli's signal, Alley began to speak. The team went to work.Wide-awake brain surgery might sound like a nightmare to many, but it was the only way doctors at Jewish Hospital's Brain Tumor Center could remove the tumor that had stolen Alley's sense of taste without damaging the vital tissue nearby."Of all the places to pick, it's kind of right in the spot you wouldn't want it to be," DiNapoli said, gesturing to a scan of Alley's brain in which the tumor stood out as a circular mass of solid white.Even a slight mistake could permanently rob her of her ability to produce spoken or written language — and, if she were fully anesthetized, her team might not know until she woke up."I knew he needed me to talk to do his best job, so I talked the whole time," Alley said months later, laughing. "There was never a time where I was like, ‘We need to stop,' and I started freaking out. It was very smooth. Very simple."DiNapoli's team used the electrode, her scans and her ongoing conversation as mapping tools. When she stopped talking, they knew they had touched the Broca area — the region of the brain that controls speech production — and needed to proceed carefully.The tumor they removed from Alley's brain was the size of a golf ball, she said. With it went the stutter she had developed as it pressed on her speech center; in its absence, her sense of taste returned.She was also able to return to the pastimes she loves, including playing guitar, studying and running competitively."That was actually an emotional sight to me," her mother, Traci Alley, said Thursday. She cradled her phone in her hand, displaying a picture of Alley smiling midway through a race. "She did so well. I wasn't sure I'd see her running again." 2095

CORONADO, Calif. (KGTV) - Three Coronado restaurants were closed for cleaning on Tuesday after employees tested positive for the coronavirus. One of the restaurants, The Henry, is facing backlash over accusations that it was not transparent with its patrons.On Facebook, The Henry posted the following message on Monday night.“Coronado neighbors,We apologize for not being more transparent with you about our first COVID positive case last week. Even though we messed up our communication, please know that we took all the right actions to make sure our guests, our employees and our restaurant space were as safe as possible before we re-opened.We went through our entire protocol for a COVID exposure the night after we became aware one of our employees was COVID positive. This includes third-party sanitation of the restaurant, contacting all employees before they returned to work to make sure we knew who had CDC defined exposure to the COVID employee and making sure all employees had access to testing at our cost, regardless of exposure. We got lucky that we were able to get this done so quickly. That has not always been the case. In another restaurant out-of-state, we had to close a restaurant for nearly a week as we waited for the sanitation company and sufficient staff to safely reopen. No one in our industry is happy about the fact we are all getting more experienced and better at responding to COVID exposures.Some of you have asked us why we did not notify the San Diego Health Department about the COVID positive employee. We know the employee's health care provider has notified the Health Department and that we, as employers, are not required to do so. But because of your question today and after calling the San Diego Health Department who encouraged voluntary notification, the Henry is committing to do so. With all of this in mind, this evening we notified the Health Department that we received information about a second COVID positive employee.The employee in this second case was last in the restaurant on Thursday, July 2. We are closing the restaurant early this evening and will be proceeding with sanitation and employee contacts. This time, we do not expect to be able to complete all of these procedures before our regular opening tomorrow. The Henry will be closed until we can go through our protocols, all of which mirror the San Diego Health Department's and CDC guidance.These are challenging times. We are learning how to do this better each day. Thank you for making us better. We hope to regain your trust and serve you again soon.”There are now hundreds of comments from members of the public. Many of the comments express concern that The Henry waited until after the 4th of July holiday weekend to make notification.Nearby McP’s Irish Pub and Hide Tide Bottle Shop and Kitchen were also temporarily closed for cleaning because of virus cases.On Tuesday, McP’s Irish Pub posted the following.“Good morning, For the health, safety and well-being of our valued customers, staff and community, McP’s Irish Pub will be closed beginning today to conduct a deep sanitization cleaning. This is being done per San Diego Co. Health Dept guidelines as one of our team members has tested positive for Covid19.PLEASE!PLEASE!PLEASE! be safe out there and follow what is recommended, let's all be part of the solution!See you all soon!!!”On Monday, Hide Tide Bottle Shop and Kitchen posted the following.“We will be closing today at 4:30 pm. Unfortunately, one of our staff tested positive for COVID-19. We are following the health department protocol and will be closed for a minimum of 48 hours for deep cleaning and time for all our staff to be tested. We will keep you posted. Please follow the rules! It's important! We care about you!”On Tuesday, ABC10 News asked San Diego County about whether restaurants are required to notify the public about employee cases. A spokesperson for the County wrote, "We leave it to the business, ANY business, to notify their customers. If we believe there is a risk to the public beyond that which would require further notification, we would notify the public."The County reports that medical providers are required to notify County health officials about employees who’ve tested positive. When ABC10News asked about whether restaurant employers are required to do the same, the County referred us to the state’s website which reports in part that employers should prepare to notify their local health department if there’s an outbreak or lab confirmed cases in the workplace.On Tuesday, ABC10 News asked The Henry for an interview. A spokesperson for the restaurant group said they were too busy to do an interview. ABC10 News’ calls to Hide Tide Bottle Shop and Kitchen went unanswered. ABC10 News left a message for McP’s Irish Pub and are waiting for a response. 4853

CORONADO, Calif. (KGTV) — Coronado is getting a touch of Hollywood Saturday, as 200 stars are installed in honor of cinema's leading icons.As the city ramps up for the Coronado Island Film Festival Nov. 8-11, volunteers will place stars featuring the names of Hollywood actors and filmmakers along Orange Avenue to construct its own Coronado Walk of Fame.Coronado's cinematic history dates back more than 100 years. One of the most well-known films to showcase the island is "Some Like it Hot," which featured the Hotel Del Coronado. The hotel was also featured in other flicks like "My Blue Heaven," "K-9," and "The Stunt Man."Of course, Naval Air Station has hosted Hollywood stars as well. Most recently, actor Tom Cruise was seen on base during filming of the next "Top Gun" film, "Top Gun: Maverick."Coronado's Walk of Fame will highlight names including Marilyn Monroe, Jack Lemmon, Desi Arnaz, Kevin Bacon, Judd Apatow, Charlie Chaplin, Bette Davis, Judy Garland, and many more.CIFF tickets are available online. The four-day festival will celebrate the island's film history with more than 90 film screenings, panels, workshops, and parties. 1158

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