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Watching a TV show in person is an unforgettable experience — whether you’ve always dreamed of being a contestant on a game show or you’ve put sitting in the audience of a sitcom on your bucket list.The good news? You can get into TV show tapings free of charge. Here’s how to do it, plus ways to minimize the amount you spend to get to the event. 365

WASHINGTON, D.C. – Tuesday is the last day for small businesses to apply for a loan through the Paycheck Protection Program.About 4.8 million businesses received a PPP loan, with a total of 9 billion lent out. But as of Tuesday, there's still more than 0 billion left in the pot.As to why that is, the Small Business and Entrepreneurship Council says there's a few reasons, like concerns over how much would actually be forgiven, constantly changing rules, and strict limits to how the money can be used.“Not all businesses are the same. So, you know you've got businesses with high overhead, maybe few on payroll,” said Karen Kerrigan, President and CEO of the SBE Council. “This program really didn't align with their needs.”Business owners and advocacy groups complain that the money in the PPP was not fully put to work because it created obstacles that stopped countless small businesses from applying.A report from a research group says the program’s shortcomings also made it more difficult for minority businesses to get loans.The owners of a Colorado brewery who got a PPP loan say it helped, but only goes so far."It didn't solve the problems. What it did was sustain us for a few more months."The SBE Council is working with lawmakers on both sides of the aisle for further policy solutions. They're pushing to broaden what expenses can be forgiven, especially when it comes to technology.Through a survey, the group found 87% of small businesses said they wouldn't have been able to survive without cloud-based services.“We know that consumers are on social media and technology platforms looking for new businesses, looking for new brands, looking for new things that they need, and that's where small businesses can really fill that gap,” said Kerrigan.The Small Business Administration says it will be up to Congress to decide what to do with leftover funds from the PPP. 1900

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, D.C. -- For weeks now, protests have touched every part of America, drawing people out of their homes and into the national debate over police reform and racial inequality.“Hands up – don’t shoot! Hands up – don’t shoot!” could be heard from protesters at a recent gathering in Ville Platte, Louisiana.Yet, while free speech is a part of the First Amendment, it doesn’t extend as far as you might think.One example: your job.“Those protections are nuanced,” said Mark Gaston Pearce, who is with Georgetown Law’s Workers Rights Institute and is a former chairman of the National Labor Relations Board under President Obama. “People are under the false impression that a private sector employment relationship affords you all of the rights that are guaranteed to you by the constitution – but it does not.”In other words, an employer, in a state where employment is “at will,” could potentially fire someone for attending or participating in a protest.“Provided, of course, that it’s non-discriminatory,” Pearce said.There are a few exceptions. Federal and state employees are protected because they work for the government. Unions also have some protections. Also, four states: New York, North Dakota, Colorado and California have specific laws protecting employees’ free speech rights.“But that’s four states in a 50-state country,” Pearce said.There are efforts underway in Congress that could expand free speech protections for employees under the “PRO Act.” It passed the House in February and is now in the Senate.“If labor law is reformed, then that would bring those kinds of protections to the public,” Pearce said.Until then, he added that an employee’s best defense may be found in their employer’s own words.“Oftentimes, a lot of that lies in the employee handbook and the publications they make you sign to prove that you read it – and most employees don’t read it,” Pearce said. “They need to know all of that stuff.”Because even in America, free speech doesn’t necessarily apply everywhere, all the time. 2037

WASHINGTON (AP) — The number of U.S. active-duty troops deployed to the U.S.-Mexico border has "pretty much peaked" at the current total of 5,800, the Pentagon's No. 2 official said Thursday.That is far below the 10,000 to 15,000 that President Donald Trump initially said would be needed to secure the border against what he called an "invasion" of migrants.Deputy Defense Secretary Patrick Shanahan was asked about the military mission one day after his boss, Defense Secretary Jim Mattis, visited troops near McAllen, Texas, and defended the use of the military for border security.Mattis said that within a week to 10 days, the troops currently deployed along the border in Texas, Arizona and California will have accomplished all the tasks initially requested by Customs and Border Protection, although he said additional requests were expected.Shanahan did not go into detail beyond saying substantial additional troops do not appear to be required."We've pretty much peaked in terms of the number of people that are down there," he told reporters at the Pentagon. He noted that the current mission is scheduled to end Dec. 15, adding, "That could always be amended."Mattis, while on his way to visit troops along the border in south Texas on Wednesday, declined to provide an estimate of how much the mission will cost.In his most extensive remarks about the hastily arranged mission, Mattis argued that it fits an historical pattern dating to early in the 20th century. He noted that President Woodrow Wilson deployed tens of thousands of National Guard and active duty troops to the border in 1916 in response to a Mexican military raid into the U.S. led by Gen. Francisco "Pancho" Villa.He noted that more recently, National Guard troops were used in border missions ordered by President George W. Bush and President Barack Obama, although not on the cusp of a midterm election.Mattis did not say how soon the mission might end.In addition to the 5,800 active duty troops in the border area, about 2,100 National Guard troops have been providing border support since April.Critics have questioned the wisdom of using the military on the border where there is no discernible security threat. Since the Nov. 6 election, Trump has said little about the matter, and no border threat has yet materialized.Asked whether he believes there is a security threat at the border that justifies the use of the active duty military, Mattis said he defers to the judgment of Homeland Security Secretary Kirstjen Nielsen, who joined him at the border Wednesday.Mattis said the short-term objective is to get sufficient numbers of wire and other barriers in place along the border as requested by Customs and Border Protection. The longer-term objective, he said, is "somewhat to be determined."Mattis said the mission, which does not include performing law enforcement tasks, was reviewed by Department of Justice lawyers and deemed a legal undertaking. "It's obviously a moral and ethical mission to support our border patrolmen," he said.___AP Radio correspondent Sagar Meghani contributed to this report. 3109

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