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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 traditional White House gingerbread house isn't exactly a house this year. It's a massive, sugary replica of the entire National Mall.The pastry creation — featured at Monday's unveiling of the White House holiday decorations — required 225 pounds of dough, 25 pounds of chocolate and 20 pounds of white icing. It includes replicas of the Capitol, the Lincoln and Jefferson memorials, the Washington Monument and the White House, complete with tiny green wreaths with red ribbons on each window.White House pastry chefs have created gingerbread houses during the holidays since the early 1970s. The first one depicted a Christmas village. Another was a replica of President Bill Clinton's boyhood home in Arkansas."American Treasures" is the theme of this year's White House holiday decor, designed by first lady Melania Trump, who tweeted a video showing her walking amid the display. Decorations in the ornate East Room are meant to highlight the diversity and ingenuity of American architecture.Four custom-made mantelpieces feature the skylines of New York, St. Louis, Chicago and San Francisco. Seventy-two handmade paper ornaments representing six regions across the nation adorn four 14-foot fir trees. In the library, trees are decorated with ornaments from all states and territories.In the China Room there are three tables recreated from previous state dinners during the Theodore Roosevelt, John F. Kennedy and Trump administrations using, china and glassware from the White House permanent collection. A place card for President Donald Trump is next to one for "Mrs. Macron," French President Emmanuel Macron's wife, Brigitte.Upstairs in the Green Room, there are decorations representing an American cornucopia with fruits, vegetables and grains adorning a tree.The 18-foot official White House Christmas tree stands tall in the center of the Blue Room. The Fraser fir from North Carolina is decorated with more than 500 feet of blue velvet ribbon embroidered in gold with each state and territory.The Red Room features ornaments and two wreaths made of pencils stamped with "Be Best," Mrs. Trump's youth initiative.Patriotism is on display in the Grand Foyer and Cross Hall. More than 14,000 red ornaments hang on the branches of 29 trees. Hidden projectors cast silhouettes of pine and other holiday greenery on the ceilings.From their portraits on the walls of the corridor, Presidents John F. Kennedy, Jimmy Carter, George H.W. Bush and Ronald Reagan gaze down on the holiday spectacle. 2534

WELLINGTON, New Zealand (AP) — New Zealand's prime minister says authorities have found four cases of the coronavirus in one Auckland household from an unknown source, the first cases of local transmission in the country in 102 days. Jacinda Ardern says Auckland, the nation’s largest city, will be moved to Alert Level 3 from midday Wednesday through midnight Friday, meaning that people will be asked to stay at home and bars and many other businesses will be closed. “These three days will give us time to assess the situation, gather information, make sure we have widespread contact tracing so we can find out more about how this case arose and make decisions about how to respond to it once we have further information,” Ardern said at a hastily called news conference late Tuesday.She said that traveling into Auckland will be banned unless people live there and are traveling home.She says the rest of the country will be raised to Level 2 over the same time frame. The country has been praised globally for its virus response. 1043

WATCH ABC's 20/20 on ABC 10 at 10 p.m. Friday.Rebecca Zahau, girlfriend of pharmaceutical tycoon Jonah Shacknai, was found dead – hanging from the balcony of his Coronado home, completely nude, with her bare feet bound, hands tied behind her back and shirt stuffed in her mouth.Only two days before, Jonah’s six-year-old son, Max, had somehow fallen over a staircase banister in the same home and later died.Given the circumstances of her death, Rebecca’s family remains skeptical of the police ruling that her death was a suicide and alleges that Adam Shacknai, Jonah’s brother and the only other one staying at the property the night Rebecca died, is to blame and filed a wrongful death lawsuit against Adam.ABC News Senior Legal Correspondent Sunny Hostin reports on the story’s twists and turns. And in the midst of Rebecca’s family’s suit that went to trial this week, “20/20” features an exclusive first interview with Jonah about Rebecca and Max’s deaths. “20/20” airs on Friday, March 2 at 10 p.m. on ABC10. 1038

WASHINGTON, D.C. – President Donald Trump announced Monday that his administration is distributing 150 million Abbott rapid point-of-care tests in the coming weeks.Trump said 50 million tests will go to the nation’s most vulnerable communities, including 18 million for nursing homes, 15 million for assisted living facilities, 10 million for home health and hospice care agencies, and nearly 1 million for historically Black colleges and tribal nation colleges.The president said 100 million tests will be given to states and territories to support their efforts to reopen their economies and schools.“For example, the support my administration is providing would allow every state to, on a regular basis, test every teacher who needs it,” said Trump. “This continues our critical effort to use testing to protect high-risk communities.”Trump said the new Abbott rapid point-of-care tests are easy to use and return results in minutes. He said you can get a result in a maximum 15 minutes and no machine is needed to process them.After the president’s testing announcement, Admiral Brett Giroir spoke and actually demonstrated how the tests work.Giroir explained that the Abbott uses a nasal swab. To administer the test, the admiral said you put six drops of liquid on a piece of paper, swab the nostrils five times each, insert the swab into the test, twist three times, pull a piece of adhesive off and wait for the results.Giroir said it’s not a home test but can be administered in places like schools, churches or parking lots.As of Monday, Giroir said the U.S. had performed over 111 million tests for the novel coronavirus and the nation averages about 920,000 tests per day. He said the new tests will help increase the nation’s testing capabilities.The briefing comes a day before Trump is set to take on former Vice President Joe Biden in the first presidential debate of the 2020 election. One of the announced topics is the COVID-19 pandemic, which Biden has accused Trump of failing to adequately address.As of Monday afternoon, the COVID-19 death toll was near 205,000, with at least 7.1 million cases confirmed in the nation, according to Johns Hopkins University. Worldwide, the death toll is nearing 1 million.The press conference also came after a bombshell report from The New York Times, in which the publication says it has obtained more than two decades worth of Trump’s tax information.The documents reportedly revealed Trump paid just 0 in federal income taxes in 2016 and 2017. In 10 of the 15 years before that, he paid no income taxes at all, The Times reports.Trump did not take questions after Monday's press conference, so he didn't comment on the tax report, but he has called the reporting "fake news" in other places. 2763