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WASHINGTON (AP) — The actual crisis of the coronavirus pandemic and a manufactured crisis over voting fraud featured heavily in President Donald Trump's misstatements during the 2020 campaign's final week. Democrat Joe Biden went astray on trade as he assailed the president's record on China.Straining to make the pandemic look less dire than it is, Trump baselessly alleged that the death count is inflated by instances of doctors falsifying the cause of death. He produced no evidence of that, and there is strong contrary evidence that the death toll attributed to COVID-19 actually understates how many Americans are dying from it.A sampling of political rhetoric from the week:TRUMP: "You know, our doctors get more money if somebody dies from COVID. You know that right? I mean, our doctors are very smart people. So what they do is they say, 'I'm sorry, but, you know, everybody dies of COVID.'" — rally Friday in Waterford Township, Michigan.THE FACTS: No, the virus death count has not been overstated because of doctors lying to get more money. No evidence has emerged of such systemic fraud.Almost 230,000 deaths from COVID-19 have been confirmed as of Saturday. The true number is almost certainly higher by a considerable margin.As of Oct. 3, the Centers for Disease Control and Prevention counted 299,000 more U.S. deaths than would be expected in a normal year. Some of those deaths are sure to have been from COVID-19 — how many cannot be known.It's true that hospitals may get higher reimbursement from the government to treat COVID-19 patients. Hospitals were given a 20% add-on for Medicare patients who test positive for the virus to cover the additional costs of treating the disease, such as buying supplies. The higher reimbursements are based on a COVID-19 diagnosis, not on the cause of death as Trump stated.The Healthcare Financial Management Association, which works with hospitals on billing matters, says providers must support COVID-19 billing with test results or a physician's statement. The organization says hospitals expect to be audited for this billing and know that Medicare cheaters may have to pay back three times what they overcharged or even lose access to Medicaid patients.Susan R. Bailey, president of the American Medical Association, said Trump's allegation of COVID-19 overcounting, which he has made several times, "is a malicious, outrageous, and completely misguided charge."___VIRUSTRUMP: "In California, you have a special mask. You cannot under any circumstances take it off. You have to eat through the mask." — Arizona rally on Wednesday.THE FACTS: Those statements are false.California residents are not required to wear "special" masks nor are they required to wear them all the time and "eat through the mask."Gov. Gavin Newsom's statewide mask order allows Californians to wear basic coverings such as homemade ones and people are not required to wear them when at home, outdoors more than 6 feet from others, or when eating and drinking.His office this month did tweet out a graphic advising people to "keep your mask on in between bites" when going out to eat at restaurants. That was mocked because Californians were also advised to minimize the number of times they touch their masks. Newsom told reporters that one of his staffers had sent out the tweet, which the governor said was intended to indicate that if people start to read a book at the table, they may want to put their mask back on.___TRUMP: "We have a spike in cases ... And you know why we have so many cases? Because we test more." — Michigan rally Tuesday.THE FACTS: No, increased testing does not fully account for the rise in recorded cases, and Trump is contradicted by his own top health officials. People are also infecting each other more than before as distancing rules recede, some shun masks and community spread picks up.Adm. Brett Giroir, the Health and Human Services Department official overseeing the nation's coronavirus testing efforts, stressed anew that the increases can't be explained by just additional testing."We do believe and the data show that cases are going up," Giroir told NBC's "Today" show on Wednesday. "Yes, we're getting more cases identified, but the cases are actually going up. And we know that, too, because hospitalizations are going up."More testing actually does not mean more infections at all; people are getting sick regardless of whether their illness is recorded. More testing can help prevent the disease's spread by letting people know COVID-19 is rising in their area.Practically every state is now seeing a rise in cases. The virus has now killed over 228,000 in the U.S., according to the count kept by Johns Hopkins University.Giroir warned that local governments may be forced to take "draconian measures" if Americans don't take safety precautions seriously. "Cases will go up if we don't make a change," he said.___TRADEBIDEN, comparing Trump's record on trade with that of the Obama administration: "We have a trade deficit that's larger with China than when we were there." – interview on "60 Minutes," Oct. 25.THE FACTS: Biden's claim is outdated and no longer true. The U.S. deficit in the trade of goods and services with China fell last year to 8 billion — the lowest since 2013 — as Trump slapped taxes on most Chinese imports to the United States. And the gap is down again so far this year.In the first two years of the Trump presidency, however, the United States ran higher trade deficits with China — 0 billion in 2018 and 7 billion in 2017 — than any recorded during the Obama administration. The deficit was 0 billion in 2016, the last year of the Obama presidency.___2020 ELECTIONTRUMP: "It would be very, very proper and very nice if a winner were declared on November third, instead of counting ballots for two weeks, which is totally inappropriate and I don't believe that that's by our laws." — remarks to reporters Tuesday.THE FACTS: "Our laws" don't require the immediate reporting of all election results in the country on election night. Delayed counting is unavoidable.Apart from the usual lags in rounding up and reporting totals from every precinct in the country, the U.S. is seeing unprecedented numbers of early votes, and some battleground states won't even start counting them until Election Day votes have been tallied.Indeed, the Supreme Court is allowing Pennsylvania to count mailed ballots that are not even received by elections officials for three days after the election, as long as there's no evidence that such ballots were filled out after Nov. 3. The decision isn't final: Justices left open the possibility of reviewing the matter after the election.The court is also allowing absentee ballots in North Carolina to be received and counted up to nine days after Election Day.Earlier in the campaign, Trump asserted that the winner should be declared on election night, another outcome no one can guarantee and one that may elude the country Tuesday. There is no requirement that the winner is determined on Election Day.He once raised the question of delaying the election, then dropped the thought, but has persisted in groundless allegations that the election is certain to be plagued by fraud.___TRUMP: "Strongly Trending (Google) since immediately after the second debate is CAN I CHANGE MY VOTE? This refers to changing it to me. The answer in most states is YES. Go do it. Most important Election of your life!" — tweet Tuesday.THE FACTS: Not so fast. Some states allow voters to switch their early vote, but laws vary and many have restrictions.Minnesota, for instance, allows voters to "clawback" their vote and change it, but the deadline for that has passed. Wisconsin allows people to change their vote up to three times, though it doesn't happen often. Florida allows voters who received mail ballots to choose to vote in person instead, but they cannot vote more than once.If a voter has already sent his or her mail-in ballot and then goes to vote in person, "the (mail) ballot is deemed cast and the voter to have voted," according to Florida law.David Becker of the Center for Election Innovation said changing a vote in states where that is possible is "extremely rare" and very complicated."It's hard enough to get people to vote once — it's highly unlikely anybody will go through this process twice," he said.Trump's suggestion that he did so well in the debate that people who already voted for Biden wished they could switch to him is not borne out by the search engine's statistics.Google searches for "change my vote" did not crack the top 20 searches that night or after. Jill Biden was the subject of Google's 20th most popular search that day. On Friday, the new "Borat" movie, presidential polls, and college football were among the subjects drawing the top 20 attention.___TRUMP: "Big problems and discrepancies with Mail-In Ballots all over the USA." — tweet Monday.THE FACTS: No, the catastrophe Trump has warned darkly about for months in mail-in voting has not materialized.There have been sporadic reports of voters receiving mail ballots that were incorrectly formatted and other localized hitches in the record early turnout, but large-scale disenfranchisement has not been seen.Trump has conspiratorially inflated local incidents, contending, for example, that mail-in ballots filled out for him are being dumped in rivers or creeks. This is a fabrication.Three trays of mail were found by the side of a road and in a ditch — not a river or creek — in Greenville, Wisconsin, in mid-September. The sheriff initially said "several absentee ballots" were in the mix. The state's elections officer later said no Wisconsin ballots were in the lost mail after all. No one said ballots marked for Trump were thrown out in the incident.Trump's motive for challenging votes by mail is plain: Democrats are dominating that segment of voting. Registered Democrats have also outnumbered registered Republicans in early voting in person at polling places, though the gap is narrower than with mailed ballots.In short, Trump may need supporters to show up in huge numbers Tuesday if not before, and his baseless allegations of early-voting irregularities are designed to motivate them to do so as well as to portray the result as illegitimate if Biden wins.___VOTING FRAUDTRUMP, suggesting that Nevada's Democratic Gov. Steve Sisolak will add fraudulent votes: "We're worried about the governor. ... Some of these people, in Nevada, they want to have the election. They want to have the count weeks after November 3rd. So let's all wait for the governor to count them up good, and how many is he going to add during that two weeks, right?" — Arizona rally Wednesday.TRUMP, on Pennsylvania's Democratic Gov. Tom Wolf: "The governor counts the ballots. ... This is the guy that's counting our ballots? It doesn't work. It doesn't work." — remarks Monday in Pennsylvania.THE FACTS: To be clear, governors don't count the votes, and they can't just manufacture votes in the election.Local county officials in Pennsylvania send out the ballots and count the votes. The state's top elections official is Secretary of State Kathy Boockvar, a Wolf appointee.In Nevada, Sisolak has been a target of Trump's ire after Sisolak in September criticized Trump's indoor rally in a Las Vegas suburb for violating the state's large-scale ban on indoor gatherings. But Sisolak doesn't tally the votes himself, and Trump makes a baseless assertion that he can add fraudulent votes to the count.Nevada's secretary of state oversees that state's new all-mail election. That office is held by Barbara Cegavske and she is a Republican.___TRUMP: "In Nevada, they want to have a thing where you don't have to have any verification of the signature." -- New Hampshire rally Oct. 25.THE FACTS: Not true, despite his frequent assertions to the contrary. The state's existing law requires signature checks on mail ballots. A new law also spells out a process by which election officials are to check a signature against the one in government records.In Nevada's June primary, nearly 7,000 ballots were thrown out due to mismatched or missing signatures.___TRUMP: "I say the biggest risk we have are the fake ballots." — New Hampshire rally.THE FACTS: His claim, frequently made in the last days before the election, is overblown.It's true that many states are expecting a surge in mail-in voting because of the coronavirus pandemic, which may lead to longer times in vote counting. The Supreme Court, for instance, will allow Pennsylvania to count mailed-in ballots received up to three days after the election; it also will allow North Carolina to count votes received nine days after the election so long as ballots are postmarked by Nov. 3.But there is no evidence to indicate that massive fraud is afoot. Any delay in declaring a winner of the presidential race after Tuesday would not in itself be illegal.Broadly speaking, voter fraud has proved exceedingly rare. The Brennan Center for Justice in 2017 ranked the risk of ballot fraud at 0.00004% to 0.0009%, based on studies of past elections.In the five states that regularly send ballots to all voters who have registered, there have been no major cases of fraud or difficulty counting the votes.Even if the election is messy and contested in court, the country will have a president in January — and not have vote counting going on "forever" as he asserts — because the Constitution and federal law ensure it. 13516
We are now in the midst of Black Friday week (not day), during a topsy turvy pandemic year, when everything is upside down.So should you shop Wednesday night, Thanksgiving or Friday, the traditional big shopping day in malls?It all depends what you are looking for and where you prefer to shop.The big sale day will look very different this year, with almost all major retailers closed Thanksgiving night. No more day-long lines to grab a 65-inch TV at half price.But that makes timing Black Friday tough. So, we scanned the ads to find some of the key times for deals.All week long dealsBest Buy, Target, Amazon and Kohl's started their biggest sales last Sunday morning, but say they will add new deals on Thanksgiving Day, online.So, you should browse their ads and sites early and often.Wednesday night dealsAt Walmart, the key time to start shopping is Wednesday at 7 p.m., the night before Thanksgiving, this year.That's when Walmart's hottest deals go online, such 70-inch TVs for below 0.Note that its electronics deals are online only this year, not in-store.Thanksgiving Day dealsAt Kohl's, they will launch a virtual Black Friday sale at 11 p.m. Wednesday, which will run all day Thursday.While Kohl's may not always have lowest price, its bonus Kohl's Cash often makes their deal better than anyone else's on similar items.Best Buy started its sale last Sunday, but promises more items popping up Thursday.Friday dealsBlack Friday traditionalists will still want to shop Friday, either in store or online.If you want kitchen gadgets, like blenders, air fryers, and the new Instant pot Duo, Thursday and Friday will bring the biggest sales.Plus on Friday, you will be able to shop in store at Macy's, JC Penney, Target, Kohl's and more for home goods (though note that stores will be limiting crowds, so you may have to wait in the parking lot).Buy this the moment you find itBut from the doesn't that stink file, one item you should buy the instant you find it, never mind that it's not on sale.We're talking Microsoft's new XBox Series S, and Sony's new PlayStation 5, which have sold out instantly.The PS5 is now selling for as much as ,600 on eBay.The XBox is going for 0 to well over ,000. Doesn't that stink?If you see one at the list price of 9 at a store website, grab it.Walmart promises to put them online in limited batches starting Wednesday at 7 p.m., while Gamestop promises a few in each store early Friday morning.You can wait for clothing and toysFinally, if you are shopping for clothing or toys, don't worry. Prices usually drop around December 15, so you have plenty of time.That way, you don't waste your money.__________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2973

WASHINGTON (AP) — The Trump administration Tuesday banned bump stocks, the firearm attachments that allow semi-automatic weapons to fire like machine guns and were used during the worst mass shooting in modern U.S. history. The regulation gives gun owners until late March to turn in or destroy the devices. After that, it will be illegal to possess them under the same federal laws that prohibit machine guns.Bump stocks became a focal point of the gun control debate after they were used in October 2017 when a man opened fire from his Las Vegas hotel suite into a crowd at a country music concert, killing 58 people and injuring hundreds more.The regulation was signed Tuesday by Acting Attorney General Matthew Whitaker. It will take effect 90 days after it is published in the Federal Register, which is expected to happen Friday.Bump stock owners will be required to either destroy them or surrender them to the Bureau of Alcohol, Tobacco, Firearms and Explosives, a senior Justice Department official said. It is impossible to know just how many bump stocks Americans own because the devices aren't traceable, but ATF has estimated that between 280,000 and about 520,000 have been sold since 2010.Investigators expect most owners will comply with the new rule and ATF will take action against those who don't, the official said. But there's no surefire way to know whether owners are complying. The official briefed reporters on condition of anonymity.White House Press Secretary Sarah Huckabee Sanders said President Donald Trump was "once again fulfilling a promise he made to the American people." Trump had promised the ban in March, saying the devices "turn legal weapons into illegal machines."Shortly afterward, the Justice Department started the process of amending firearms regulations to define bump stocks as machine guns. ATF received about 186,000 comments on the proposal.The amended regulations reverse a 2010 ATF decision that found bump stocks did not amount to machine guns and could not be regulated unless Congress changed existing firearms law or passed a new one. In the aftermath of the Las Vegas shooting, some members of Congress sought to ban bump stocks, but no legislation was passed. At least 10 states have sought their own restrictions.The amended rule was met almost immediately with resistance from gun rights advocates, including Gun Owners of America, which said it would file a lawsuit against the Justice Department and ATF to protect gun owners from "unconstitutional regulations.""These regulations implicate Second Amendment rights, and courts should be highly suspect when an agency changes its 'interpretation' of a statute in order to impair the exercise of enumerated constitutional rights," the organization's executive director, Erich Pratt, said.The Justice Department official said the government will fight any legal challenge that may be broughtThe National Rifle Association called on the Justice Department to provide amnesty for gun owners who already have bump stocks."We are disappointed that this final rule fails to address the thousands of law-abiding Americans who relied on prior ATF determinations when lawfully acquiring these devices," said spokeswoman Jennifer Baker.Police said the gunman in the Las Vegas massacre, Stephen Paddock, fired for more than 10 minutes using multiple weapons outfitted with target scopes and bump stocks. Paddock fatally shot himself after the shooting. There were 23 assault-style weapons, including 14 fitted with rapid-fire "bump stock" devices, strewn about his 32nd-floor hotel suite at the Mandalay Bay casino-hotel.The largest manufacturer of bump stocks, Slide Fire Solutions, announced in April that it would stop taking orders and shut down its website. The remaining stock of the devices is now being sold by another company, RW Arms, based in Fort Worth, Texas. 3881
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
WASHINGTON, D.C. — A new US government report delivers a dire warning about climate change and its devastating impacts, saying the economy could lose hundreds of billions of dollars -- or, in the worst-case scenario, more than 10% of its GDP -- by the end of the century.The federally mandated study was supposed to come out in December but was released by the Trump administration on Friday, at a time when many Americans are on a long holiday weekend, distracted by family and shopping.Trump, speaking to reporters Monday, said he doesn't believe the report.David Easterling, director of the Technical Support Unit at the NOAA National Centers for Environmental Information, emphasized that there was "no external interference in the report's development." He added that the climate change the Earth is experiencing is unlike any other."The global average temperature is much higher and is rising more rapidly than anything modern civilization has experienced, and this warming trend can only be explained by human activities," Easterling said.Coming from the US Global Change Research Program, a team of 13 federal agencies, the Fourth National Climate Assessment was put together with the help of 1,000 people, including 300 leading scientists, roughly half from outside the government.It's the second of two volumes. The first, released in November 2017, concluded that there is "no convincing alternative explanation" for the changing climate other than "human activities, especially emissions of greenhouse gases."The report's findings run counter to President Donald Trump's consistent message that climate change is a hoax. On Wednesday, Trump tweeted, "Whatever happened to Global Warming?" as some Americans faced the coldest Thanksgiving in over a century.But the science explained in these and other federal government reports is clear: Climate change is not disproved by the extreme weather of one day or a week; it's demonstrated by long-term trends. Humans are living with the warmest temperatures in modern history. Even if the best-case scenario were to happen and greenhouse gas emissions were to drop to nothing, the world is on track to warm 1.1 degrees Fahrenheit.As of now, not a single G20 country is meeting climate targets, research shows.Without significant reductions in greenhouse emissions, the annual average global temperature could increase 9 degrees Fahrenheit (5 Celsius) or more by the end of this century, compared with preindustrial temperatures, the report says. 2509
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