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The roars of the crowd will be missing from the Masters this year. Augusta National says it won't have spectators when the Masters is played two weeks before Thanksgiving. The Augusta National Golf Club made the announcement on Wednesday. “Since our initial announcement to postpone the 2020 Masters, we have remained committed to a rescheduled Tournament in November while continually examining how best to host a global sporting event amid this pandemic,” said Fred Ridley, Chairman of Augusta National Golf Club, in a press release. “As we have considered the issues facing us, the health and safety of everyone associated with the Masters always has been our first and most important priority."That means all three majors won't have fans this year.The tournament, which takes in April, was postponed back in March.The Masters was canceled from 1943-45 because of World War II.The silence will be most deafening at the Masters. The tournament is renowned for its roars on the back nine on Sunday. Tiger Woods says when he won last year, it helped to look at leaderboards so that he could have a better understanding of what each cheer meant. The Masters was moved from April to Nov. 12-15 because of the COVID-19 pandemic. 1233

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The tactics used to fight credit card scams are getting more sophisticated all the time. Unfortunately, so are the tactics used by credit card scammers.More than 2.3 million cases of fraud and identity theft were reported in 2019, according to the Federal Trade Commission — an increase of 26% from five years earlier and 138% in a decade. Credit card-related scams accounted for a significant chunk of those cases, including more than 40% of identity theft reports. And those were just the cases that were reported to law enforcement and consumer protection agencies.Whether they’re putting a new spin on an old scam or inventing a new scheme, calling on the phone or reaching out over the internet, credit card scammers are always lurking and looking to strike. Knowing how the most common scams work and how to avoid falling for them can keep your money and your identity safe.Here are six common credit card scams to watch out for.1. The charity scamThis credit card scam is a particularly cruel violation of people’s good-hearted instincts to help.Right after a tragedy like a hurricane, flood or wildfire, scammers get to work, calling or emailing and appealing to people to help victims with a donation. They’ll often pretend to be from a reputable charity like the Red Cross or the Salvation Army.When a “charity worker” calls with a detailed, sad story and asks for help, it can be hard to say no. The pleas for funds are often presented as urgent, too, to get people to cough up their credit card numbers quickly.HOW TO AVOID THE CHARITY SCAMIf you’re inclined to give money to help after a disaster, it’s best to do it proactively by contacting a charity yourself. You can check whether a charity is legitimate by using the IRS’ tax-exempt organization search or a resource like Charity Navigator.If someone calls you seeking a donation, don’t give your credit card information, even if it seems legitimate. Write down any information they give you, then politely hang up. Search the web for the phone number and put quotation marks around the number in your search. Often, you’ll find that the number that called you has been previously been identified as a scam caller. If the charity is legitimate and you want to help, donate directly through its website.2. The hotspot scamIt’s common advice to be careful when using a public Wi-Fi network, since crooks could be monitoring these networks. But sometimes the network itself is a trap, carefully laid by credit card scammers who are waiting to pounce on your information.In this credit card scam, your smartphone or laptop finds a “public Wi-Fi hotspot,” and when you connect to it, you’re prompted for credit card information to pay for internet access. The hotspot is fake, and you’re actually giving your credit card information directly to the scammers. In other cases, the hotspot is free and does offer internet access, but the scammers watch your every move. They record passwords you enter, peek into your bank account when you check it and capture your data in other ways.HOW TO AVOID THE HOTSPOT SCAMIf you need to access public Wi-Fi at a restaurant or store, ask an employee for the correct network name and password information. Be wary of generic-sounding names like “Free Public Wi-Fi.” Avoid logging into your bank account or providing any sensitive information if you can.Another way to protect yourself is to use a VPN or virtual private network. This creates a secure connection you can use even on unsecured public networks.3. The credit card ‘sign-up farm’ scamVictims of this credit card scam are often willing participants, duped by the promise of easy money for helping generate what they’re told are legitimate credit card rewards. In reality, it’s a scam to rip off card issuers, often on a massive scale. In May, federal prosecutors in New Jersey charged two men with running an elaborate “sign-up farm” that cost American Express more than million.People running these scams recruit people with good credit and offer to pay them for the use of their Social Security numbers to open credit card accounts. The scammers rack up huge balances on the cards to generate rewards points, convert the points to cash, then cancel the purchases. In some cases, they don’t even bother canceling, and the victim is left on the hook.Victims are typically promised payments of ,000 to ,000 for the use of their information, although some never get paid. And they’re usually told that the spending on the cards will be legitimate, even though the whole point is to defraud the issuer. Victims can wind up responsible for huge balances, see their credit trashed and have their own credit card and airline rewards accounts frozen.HOW TO AVOID THE SIGN-UP FARM SCAMThe lure of easy money can be hard for anyone to resist, and even more so for those who are struggling financially. But it’s wise to assume that easy money doesn’t exist.The simplest way to avoid falling victim to credit card farming scams is to never give or sell your Social Security number or any personally identifiable information to someone else. To make sure no one is using your identity to open accounts without your knowledge, check your credit report for any irregularities.4. The interest rate scamMillions of people are familiar with this classic robocall scam. You answer a phone call, often from an unknown number, and a recorded message gives you the great news that you’re eligible to negotiate significantly lower interest rates on your credit card balances. The message claims to have inside connections to credit card companies and can work on your behalf to reduce your payments by thousands of dollars. There are no such connections — the whole thing is a setup to get you to reveal your credit card information.If your interest is piqued enough to continue listening, you’ll be taken to a live operator. The “helpful” representative will quickly ask you sensitive questions to harvest your personal data and credit card information.In a slightly more legitimate — but still costly — variation of this scheme, the caller contacts the credit card company and successfully lowers your rate, and you get charged hundreds or thousands of dollars for the service. The problem is that they aren’t doing anything you couldn’t have done yourself for free. You have just as much clout with the credit card company as a third party when it comes to lowering your interest rate. Your issuer may give you the option to transfer your balance to a different card that offers a lower APR.“If you’re looking to reduce the interest rate you’re paying on your credit card purchases, your best bet is to handle it yourself for free,” says the Federal Trade Commission. “Call the customer service phone number on the back of your credit card and ask for a reduced rate.”HOW TO AVOID THE INTEREST RATE SCAMIf you want to lower your credit card interest rate, reach out to the issuer directly. It won’t hurt you to ask, even if they say no.If you do get a robocall promising to cut your rates — or any other offer that sounds too good to be true — just hang up. Never give out or confirm sensitive information to someone who calls out of the blue. To reduce sales calls, put your phone number on the National Do Not Call Registry, then keep in mind that legitimate businesses adhere to the registry while scammers don’t.5. The overcharge scamThis credit card scam is gaining ground as fewer transactions are handled in cash and more shopping moves online. It goes like this: You get a call or a text telling you that your credit card was overcharged on a recent purchase. How helpful! The problem is that it isn’t true. The scammer will ask a bunch of questions intended to get at your personal information.According to the Better Business Bureau, this scam is especially convincing because the scammers will often address the target by name. And with more and more small, everyday purchases being put on credit cards, the vague “recent purchase” angle becomes more convincing.HOW TO AVOID THE OVERCHARGE SCAMDon’t give sensitive personal information over the phone. Hang up. Check your credit card statement. If something there seems out of whack, contact your credit card issuer yourself by calling the number on the back of your card.6. The skim scamIt was hoped that the widespread adoption of EMV chip technology would wipe out skimming, but it has proved persistent. In fact, the latest data from the credit scoring company FICO found that the number of payment cards compromised at merchant card readers and ATMs increased 10% in 2017.A skimmer is a small electronic device installed by crooks on card readers on gas pumps, ATMs and elsewhere. The skimmer reads the information from the magnetic stripe on your credit or debit card when you swipe or insert the card. They can be hard to detect, and some of the newer ones are all but impossible to see with the naked eye.Skimmers are especially prevalent in tourist-heavy areas during high season. According to the Florida Department of Agriculture and Consumer Services, “it’s critical that people are aware of exactly what to look out for because each skimmer can defraud consumers up to a million dollars.”HOW TO AVOID THE SKIM SCAMThough skimmers are often well-concealed, sometimes you can tell that something looks off. Look for signs of tampering on ATM or gas station card readers, including devices attached on top of or beside the card slot. Move toward using a mobile wallet and contactless payments to avoid using your physical card.Check your account balances and transactions often. If you see something amiss, notify your credit card issuer right away to report the fraud.More From NerdWalletCan a Credit Card Company Lower My Credit Limit?Is It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 9936

  濮阳东方医院做人流便宜不   

The U.S. has now seen two straight weeks in which at least 100,000 people are confirmed to have contracted COVID-19 each day.On Monday, the U.S. reported 166,000 new cases of the virus, marking the 14th consecutive day with 100,000 or more new cases of the virus, according to a database kept by Johns Hopkins University.The last day new cases totaled less than 100,000 was on Nov. 2. Since then, about 1.9 million Americans have contracted the virus, the rolling 7-day average of hospitalizations across the country has increased from 50,000 to 65,000 and daily deaths on a rolling 7-day average have ticked up from 824 a day to 1,114 a day.That 14-day time span has also seen seven days in which record numbers of new cases were reported. The current record was set on Friday when 177,000 people in the U.S. were confirmed to have contracted COVID-19.The current spike in caseloads has led hospitals across the country to become inundated with patients, overwhelming resources. The COVID Tracking Project reports that most of those hospitalizations are occurring in the Midwest, where rural hospitals in places like Iowa and South Dakota are running short on bed space.The current standard was predicted in June by Dr. Anthony Fauci, the nation's highest-ranking infectious disease expert. During a Senate hearing, Fauci stunned lawmakers by predicting that the U.S. could reach a point where 100,000 people were being infected each day if "disturbing trends" continued.Fauci's comments in June came during a summer spike in cases which saw infection rates top out at about 77,000 new cases each day.The current spike in cases comes as drugmakers like Pfizer and Moderna have reported encouraging results in vaccine trial results. While both vaccine candidates are on track for Emergency Use Authorization by the end of 2020, the drug likely won't be widely available to the general public for several months — Fauci has predicted that a vaccine will be widely available in the U.S. by April. 2002

  

The Slater fire roared through Happy Camp, California on Sept. 8, and more than a month later, families still can’t get back into their neighborhoods.U.S. Forest Service Officer Jason Rasmussen was working to evacuate families in his community, as his own home was engulfed in flames.He said the fire was like nothing he’s seen in his quiet home town before. “Sounded like some sort of freight train. It was just total chaos. People were scared,” recalled Rasmussen.Winds fueled the flames, leveling 100,000 acres within hours. Two people were killed and nearly 200 homes were lost.“I knew my home was probably going to burn,” said Rasmussen. “I could only hope that it would survive.”Daybreak cemented gut-wrenching worry into reality. This fire left nothing behind for this family and so many others.“It’s heartbreaking seeing my house and my friend’s houses burned to the ground,” said Rasmussen's son, Chaance, who is a firefighter. “The only thing that’s left is memories.”Memories of a home, of a family legacy, built in this town for generations—now reduced to dust.“It’s emotional. I don’t even like to go back there,” said Jason Rasmussen of returning to what was once his home. “The stuff that was special to me was not valuable even. It was stuff that my grandfather had given me. Things that were sentimental for that reason, because it was connected to my family history."This loss is made even harder for the Rasmussens, because they never thought they’d be the ones needing help.“While you’re talking to people you’re evacuating, you’re going through the same thing,” said Jason Rasmussen. “When I knew I was actually homeless, that was the worst feeling.”After a month of moving from place to place, having nowhere to really call home, a surprise came that left these first responders speechless.Volunteers from EmergencyRV.org drove this donated RV from Oregon to Northern California. A woman donated her RV to the organization, and EmergencyRV.org matches up families in need. First responders go to the top of the list.Between being on the frontlines through the pandemic and this natural disaster, this group wanted to give these men a break.“It doesn’t make sense that a firefighter loses his home and is sleeping in a tent or has nowhere to go, sleeping in the station,” said EmergencyRV.org founder Woody Faircloth. “We want to give them a place to call home until they get back on their feet.”“I wasn’t expecting something like this,” said Chaance Rasmussen of the donated RV. “I thought, maybe something I could tow, but then I remembered I didn’t have a truck anymore, so it’s nice to have this.”The RV is giving the young firefighter much more than a place to sleep.“It kind of restores my faith in humanity,” said Chaance Rasmussen. “You see all the bad stuff on the media, people are rioting and all that stuff is happening, and knowing that people are out there doing stuff like this, it’s real heartwarming.”To the volunteers, it’s a thank you for the danger these frontline workers face head-on every day.“These firefighters and frontline heroes…they are heroes,” said Faircloth. “They’re out there every day doing this job, and they don’t make a lot of money, but they’re risking their lives for the rest of us.”A risk this father and son are proud to take on, even as they take on the much tougher challenge of restoring this land into a place they can call home. 3405

  

The uncle of a little boy who ran away from Moton Elementary School in Brooksville, Florida on Tuesday morning is furious about how the situation was handled.Nick Schillinger is shocked that his 5-year-old nephew was able to get away from Moton elementary."If it happened at anyone’s house, that parent would be charged with child neglect. If it happened at a daycare, daycare workers would be arrested," he said.Christy Collinsworth and Ally Bedson were driving in separate directions when they saw the little boy running toward a busy Highway 50, nearly a half mile from the school."I feel like God put me in his path because that is not a normal time I come down this road," Collinsworth said.Both Collinworth and Bedson stopped and were able to catch him and call 911."I sat down on the ground with him and he was still very upset and distraught," Collinsworth said.Hernando County School District gave this statement about with happened: 965

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