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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) — President Donald Trump's sharing of misinformation about the coronavirus and removal of the material by social media platforms have sparked claims of censorship by some doctors and others. The fight is over hydroxychloroquine, a drug long used to treat malaria that Trump has promoted as a coronavirus treatment even though scientific studies are at odds with his stance. But a group of doctors who believe the drug is an effective coronavirus treatment argued for its use at an event Monday in Washington. The doctors complained about censorship after Trump shared a video of that event and the social media companies removed it.A group of people who claimed to be doctors was talking in the video about the effectiveness of hydroxychloroquine. The video also discouraged the use of masks. 816

WASHINGTON (AP) — Vice President Mike Pence is in a familiar spot: calmly explaining Donald Trump to a nation on edge. With the president hospitalized with coronavirus, Trump’s loyal No. 2 will be the public face of an administration and campaign facing a crisis of credibility with just weeks to go before the election. During Wednesday’s vice presidential debate, Pence will be asked to explain the president’s health, as well as the flurry of confusing and contradictory White House accounts of his well being. He will also be expected to justify Trump’s cavalier approach toward campaigning during a pandemic. The high-profile role for Pence is a culmination of four years in which he has been repeatedly been called on to smooth over fallout from Trump’s messy decision making and divisive policies. 812

WASHINGTON (AP) — The Trump administration is seeking to deny asylum to migrants caught crossing the U.S.-Mexico border illegally.New regulations will block migrants from claiming asylum if they do not come to an official border crossing.They are intended to speed up rulings on asylum claims, instead of having migrants try to circumvent official crossings on the nearly 2,000-mile (3,200-kilometer) border.The move was spurred in part by caravans of Central American migrants walking toward the border. They are now about 600 miles (965 kilometers) away. President Donald Trump has vowed to stop them from entering the country.RELATED: Camp Pendleton Marines sent to U.S.-Mexico borderThe new rules are subject to a presidential proclamation expected Friday in which Trump will invoke the same justification he did for the travel ban. The new rules will almost certainly face court challenges. 903

WASHINGTON (AP) — President Donald Trump on Wednesday named Robert O'Brien, his chief hostage negotiator and an established figure in Republican policy circles, as his new national security adviser.O'Brien, the fourth person in two years to hold the job, becomes the administration's point person on national security amid rising tensions with Iran following the weekend attack on Saudi oil installations and fresh uncertainty in Afghanistan after the halt in peace talks with the Taliban.The announcement of O'Brien's selection comes a week after Trump ousted John Bolton from the post, citing policy disagreements. O'Brien, who made headlines in July when he was dispatched to Sweden to monitor the assault trial of American rapper A$AP Rocky, was among five candidates Trump said Tuesday were under consideration."He's worked with me for quite awhile now on hostages and we have a tremendous track record on hostages," Trump said Wednesday on a tarmac in Los Angeles, hours after revealing the pick on Twitter. "Robert has been fantastic. We know each other well.O'Brien, standing alongside Trump, said it was a "privilege" to be picked."We've had tremendous foreign policy successes under President Trump's leadership. I expect those to continue. We've got a number of challenges," he added. O'Brien said the administration's focus will continue to be on keeping the U.S. safe and rebuilding the military. He said he would advise Trump privately on the situation in Saudi Arabia.Trump abruptly forced out Bolton on Sept. 10, after he and his hawkish national security adviser found themselves in strong disagreement over the administration's approach to Iran, Afghanistan and a host of other global challenges. The sudden exit marked the latest departure of a prominent voice of dissent from Trump's inner circle as the president has grown more comfortable following his gut instinct over the studious guidance offered by his advisers.As the special presidential envoy for hostage affairs at the State Department, O'Brien worked closely with the families of American hostages and advised administration officials on hostage issues.He helped secure the release in February of American citizen Danny Burch, who was freed after 18 months in captivity in Yemen. He has also worked on the case of missing U.S. journalist Austin Tice, who was captured in Syria in 2012. O'Brien has said the U.S. is confident Tice is still alive.The White House sent O'Brien to Sweden to monitor the case of A$AP Rocky, who was charged with assault. The rapper, whose real name is Rakim Mayers, was permitted to return to Los Angeles to await the verdict of a Swedish court, which found him guilty in a street brawl.Last month, Hua Qu, the wife of a Princeton University graduate student detained in Iran, told reporters that she would like to see the same level of personal attention from the government as A$AP Rocky received.On Wednesday, a Twitter account that advocates for the release of the student, Xiyue Wang, congratulated O'Brien on the appointment but also said: "We watched with frustration as this administration put all its energies into releasing celebrity A$AP Rocky from Sweden; meanwhile, (asterisk)multiple(asterisk) Americans suffer under terrible conditions in #Iran. Let's put all Americans first, not just famous ones. #AmericansFirst."O'Brien previously helped lead the department's public-private partnership for justice reform in Afghanistan during the Bush and Obama administrations.He began to emerge as a front-runner to replace Bolton last week when it became clear that an early favorite, Iran envoy Brian Hook, would face opposition from hawks who think he has not been tough enough on Iran, according to Republicans familiar with the matter.Another short-listed candidate, the North Korea envoy, Stephen Biegun, was taken out of the mix when Secretary of State Mike Pompeo suggested he might be better placed as deputy secretary of state to replace John Sullivan, who is widely expected to be nominated to be the next U.S. ambassador to Russia, officials said.From 2008 through 2011, O'Brien was a presidentially appointed member of a government committee that advises on issues related to the trafficking of antiquities and other cultural items. In 2005, President George W. Bush nominated O'Brien to be U.S. representative to the U.N. General Assembly, where he worked with Bolton. O'Brien was confirmed by the Senate.He also was an adviser on the Republican presidential campaigns of former Gov. Scott Walker of Wisconsin, former Gov. Mitt Romney of Massachusetts and Sen. Ted Cruz of Texas.Earlier in his career, O'Brien was a senior legal officer for the U.N. Security Council commission that decided claims against Iraq that arose from the Gulf War. He was a major in the U.S. Army Reserve.O'Brien has a law degree from the University of California, Berkeley, and co-founded a law firm in Los Angeles focused on litigation and international arbitration issues. O'Brien is the author of "While America Slept," a collection of essays on U.S. national security and foreign policy billed as a "wake-up call to the American people."The book warned that the world had become more dangerous "under President Obama's lead-from-behind foreign policy."____Associated Press writer Matthew Lee contributed to this report. 5338