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The U.S. Postal Service agreed Wednesday to reverse changes that slowed mail service nationwide, settling a lawsuit filed by Montana Gov. Steve Bullock during a pandemic that is expected to force many more people to vote by mail.The lawsuit filed against Postmaster General Louis DeJoy and the U.S. Postal Service on Sept. 9 argued changes implemented in June harmed access to mail services in Montana, resulting in delayed delivery of medical prescriptions, payments, and job applications, and impeding the ability of Montana residents to vote by mail.The postal service agreed to reverse all changes, which included reduced retail hours, removal of collection boxes and mail sorting machines, closure or consolidation of mail processing facilities, restriction of late or extra trips for timely mail delivery, and banning or restricting overtime.The agreement also requires the Postal Service to prioritize election mail.The settlement agreement was reached a day ahead of a hearing in the U.S. District Court in Great Falls. It applies to all states.“Montanans never gave up this fight and as a result, we are ensuring stability through and beyond the election by immediately restoring the mail services folks rely on, whether it’s receiving vital medication or ensuring they can pay their bills on time,” Bullock said in a statement.A spokesperson for the U.S. Postal Service did not immediately respond to an email seeking comment.Many more voters are expected to vote by mail this November to limit the spread of the COVID-19 pandemic. The majority of Montana counties are holding elections by mail, after a directive by Bullock permitted them to do so to limit the spread of the coronavirus. Bullock is running for a seat in the U.S. Senate.The agreement comes after a federal judge temporarily blocked the controversial Postal Service changes on Sept. 17, calling the changes “a politically motivated attack on the efficiency of the Postal Service” before the November election.Judge Stanley Bastian in Yakima, Washington, issued the nationwide preliminary injunction sought by 14 states that brought forward a separate suit against the Trump administration and the U.S. Postal Service. The 14 states, led by Democratic attorneys general, expressed concern that delays might result in voters not receiving ballots or registration forms in time.Following a national uproar last month, DeJoy, a major donor to President Donald Trump and the GOP, announced he was suspending some of the changes, including the removal of mail collection boxes, but other changes remained in place.___This story has been corrected to accurately spell the name of Louis DeJoy.___Samuels is a corps member for the Associated Press/Report for America Statehouse News Initiative. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues. 2906

The Trump administration is planning to expand an operation that would send federal law enforcement agents to Detroit, Cleveland and Milwaukee in the coming weeks, the White House announced Wednesday night.According to a recap of the day's events on the White House website, President Donald Trump and the Department of Justice plan to expand the program into the three Midwestern cities in the next three weeks.Trump and Attorney General William Barr announced Wednesday that they would send federal agents to Chicago and Albuquerque to combat rising crime under the "law and order" push.“In recent weeks there has been a radical movement to defund, dismantle and dissolve our police department,” Trump said Wednesday at a White House event, blaming the movement for “a shocking explosion of shootings, killings, murders and heinous crimes of violence.”“This bloodshed must end,” he said. “This bloodshed will end.”Detroit Mayor Mike Duggan, Police Chief James Craig and Michigan Gov. Gretchen Whitmer spoke out earlier this week after Trump said they were looking into the plan to bring agents to Detroit."There could be no possible justification for such an action. The Detroit Police Department has had the support of the Detroit community in making sure our City did not have a single store looted or a single fire started during the protests," Duggan and Craig said in a joint statement. "Unlike nearly every other major city in the country, the Detroit Police Department never requested assistance from the National Guard - we handled our issues as a community. We definitely have no need for any federal presence being sent in now.""It is deeply disturbing that President Trump is once again choosing to spread hateful rhetoric and attempting to suppress the voices of those he doesn't agree with," Whitmer said. "Quite frankly, the president doesn't know the first thing about Detroit. If he did, he would know that for nearly two months now, Detroiters have gathered to peacefully protest the systemic racism and discrimination that Black Americans face every day. There is no reason for the president to send federal troops into a city where people are demanding change peacefully and respectfully."Federal officers are already in Portland, Oregon and have clashed with protesters over the previous few days."Portland is a very different place than Chicago, but Chicago should be calling us, and so should Philadelphia and Detroit and others to go in and really help them," he said. "Because when you're losing many people a weekend... you see the same numbers as I do. When you're losing these people they should call us and they should say come on in. It's incredible to me, but they're not doing it. At some point they will; at some point we may have no other choice but to go in."This story was originally published by Max White at WXYZ. 2860

The woman who became internet famous in October for flipping the bird at President Donald Trump's motorcade, and then said she was subsequently fired, is suing her former employer for unlawful termination.Juli Briskman was fired from the marketing team at Akima LLC in November shortly after she volunteered that she was the one who had made the gesture in a photo that went viral, she said at the time."I thought that it would probably get back to my company eventually," Briskman said in an interview with CNN's Jeanne Moos.She said she was told she had violated the company's social media policy, and said the company in turn fired her.Briskman tweeted Wednesday that "I was fired from my job for flipping off @realDonaldTrump. Today, I filed suit with @GellerLawyers & @protctdemocracy because what happened to me was unlawful and un-American."Her attorney, Maria Simon, reiterated this point in a statement through the nonprofit Protect Democracy,"Juli's expression of disapproval of the President is fundamental political speech protected by both the United States Constitution and Virginia state law," she said. "Akima's actions -- forcing Juli to resign out of fear of unlawful retaliation by the government -- violated the basic tenets of Virginia employment law. Ms. Briskman chose in her private time and in her capacity as a private citizen to express her disapproval of President Trump by extending her middle finger."CNN has reached out to Akima LLC seeking comment. 1512

The University of Washington’s Institute for Health Metrics and Evaluation now projects that 67,000 American lives would be saved between now and December 1 by near universal wearing of masks.The IHME released the updated model on Thursday. As part of the update, the IHME said that four states, Arizona, Florida, Mississippi, and South Carolina, have hit an important metric of a daily death rate of eight per one million residents, and that those states should re-impose statewide closures of non-essential businesses.The IHME’s coronavirus projections have been frequently cited in the past by the White House’s coronavirus task force. The group uses state data along with other metrics to create projections on the number of coronavirus-related deaths throughout the US.The model projects with inconsistent use of masks, the US death toll for the coronavirus will be up to 295,000 by December 1, an increase from the current figure of 158,000, per Johns Hopkins University data. The IHME’s projections drops considerably to 228,000 if masks are worn universally outside of the home.IHME director Dr. Christopher Murray said at a news conference on Thursday that mask wearing mandates work, but communities also respond when they see cases are spreading.“People do respond to the circumstances in their community,” Murray said. “Mandates have an important effect.”One thing the model does not take into account is the use of therapeutics of a possible vaccine. Murray said that the IHME is closely monitoring the effectiveness of two potential therapeutics – remdesivir and dexamethasone – and may adjust future models as more is learned about those drugs.The model expects the number of coronavirus-related deaths to ebb and flow into the fall, but begin to increase by November. "November is a month we expect the spread to increase due to seasonality," Murray said. We are expecting considerable daily deaths. That pushes up our projections."“We expect it rise later in the fall,” Murray added.One cause for concern comes at the end of November when families begin to travel for holidays such as Thanksgiving.Murray said that while mask-wearing is not necessary when around family members of the same household, he said mask-wearing may be necessary for holiday gatherings. Murray said his family is taking the recommendation one step further, and is simply not gathering with extended relatives this fall.What’s built into the IHME’s projection is that a number of states will need to implement stricter closures in order to slow the spread. As part of the IHME’s recommendation, states implement closures of non-essential businesses when there is a threshold of eight deaths a day per million. Also part of the modeling is based on 50% of schools being closed in each state for the upcoming year. Murray said with many schools opening or implementing hybrid models, more will be learned in the coming weeks on how easily the virus spreads within schools.Recent measures in Arizona, California, Florida, and Texas has allowed a small decline in cases, but deaths in those states have not dropped off, according to Murray.“We have been seeing cases peaking and hospitalizations peaking and deaths not quite yet peaking, but we expect them to peak in the near future but we don’t expect a sharp decline," Murray said.To see a state-by-state breakdown of the IHME’s projections, click here. 3403

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