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Imagine arriving at the checkout line to use a gift card, only to realize the card is empty. It's the latest way scammers are hitting consumers, and it’s happening frequently.Now, one woman is suing Walmart over it.Although the company is not behind the scam, the woman claims Walmart is not doing enough to prevent these scams from happening. 351

In 2018, @CISAKrebs (@C_C_Krebs) spoke about elections, cybersecurity, and disinformation at the @AtlanticCouncil."The overall purpose of an election is to convince the loser they lost…so this peaceful transition of power [can occur]."Thank you for serving, Chris. pic.twitter.com/G6j3ytN2uc— Graham Brookie (@GrahamBrookie) November 18, 2020 350

I haven’t set foot in a grocery store in nearly four months.With a 10-month-old baby to think about, my husband and I have kept trips to the store to a minimum out of an abundance of caution during the pandemic. We’re fortunate to have just about every grocery delivery service at our disposal — and we’ve taken advantage.In between orders from Costco, Whole Foods, Imperfect Foods and more, I’ve noticed our virtual shopping habit is changing how we budget. We’re accounting for new grocery-related expenses. We’re also more deliberate about what we buy.Here’s why online grocery shopping could affect how much you spend — and ways to keep your budget intact.MarkupsYou could pay more online than in the store for the exact same item. That’s because some delivery services, or the retailers they partner with, inflate grocery prices to cover fulfillment costs.On Costco’s website, I was met with the message “item prices are marked up higher than your local warehouse. Instacart uses the markup to pay for their delivery service.” The exact price difference wasn’t specified.Same-day delivery service Shipt says its members can expect to pay about more on a order online than in the store. Plan that you will spend a few extra bucks every time you buy groceries online.Extra chargesAt the grocery store, the price you see is typically the price you pay. But online, fees for delivery, service, alcohol, memberships and subscriptions could be tacked onto your bill. Extra charges could range from a couple dollars for a service fee to about a hundred dollars for a membership.“You’re spending more money because it’s a service,” says Jennifer Weber, a certified financial planner in Lake Success, New York.How you use that service can also affect the cost. Often, you’ll pay a premium for quicker or high-demand delivery times. Then, there are tips. Tipping, while optional, is a simple way to support the workers risking their health to provide you with an essential service. Many grocery services set a default tip, so make sure to pick the amount you prefer.SubstitutionsItems could be unexpectedly out-of-stock, incorrect or missing from your delivery. Certain services allow substitutions for unavailable inventory. However, that can come at a higher cost. When the conventional tomatoes I ordered sold out, I ended up with organic tomatoes for more.When using services that charge for pricier replacements, consider opting out of automatic substitutions or allocating a few extra dollars toward your grocery budget as a cushion. Inspect orders closely upon arrival as well and notify the company if you’re charged for forgotten or incorrect items.Impulse purchasesGetting your groceries while sitting in front of your screen isn’t all bad news for your wallet: 46% of consumers say they’ve made fewer impulse purchases since shifting to online grocery shopping in the spring, according to a survey from Magid, a business strategy and research company.“Careful planning and buying only what you intend to is a little bit easier to do online,” says Steve Caine, a partner with the retail practice of Bain and Company, a management consulting firm. “You don’t get influenced quite the same way as you do when you’re walking through a store.”With no enticing candy displays or cleverly arranged shelves to stroll past, you might fill your cart with fewer items. Plus, Caine says shopping online allows you to better keep a “running total” of your purchase, while in the store, you usually don’t know until checkout.Ways to watch your budgetOnline grocery shopping is here to stay for the foreseeable future. These strategies can reduce the strain on your budget.Make a list. Check your fridge or pantry and jot down what you need for the week. “You can think ahead and say, ‘I want to spend 0 or .’ Then, you can do price comparisons for those items,” Weber says.Compare grocery services. Try building a basket on a few different sites to see which offers the lowest price on items. Explore all the costs involved and look for coupons or promotions before checkout.Be flexible. Choosing curbside pickup can help you skip delivery fees, tips and other charges. But if you opt for delivery, note that one-hour or same-day windows could be more expensive. Giving yourself time to plan and pushing it to next-day or two-day delivery can reduce the cost, Caine says.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletWhy Taking Social Security Early Costs Too MuchHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpLauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. 4740

In a defiant pair of CNN interviews, former Trump campaign aide Sam Nunberg said Monday he refuses to comply with a grand jury subpoena in the Russia investigation."Screw that," Nunberg told CNN's Gloria Borger. "Why do I have to go? Why? For what?"And in a separate interview with CNN's Jake Tapper, Nunberg said he blamed the investigation's existence on President Donald Trump's firing of James Comey as FBI director -- including an interview where Trump said he was thinking about the Russia investigation when he fired Comey and the fact that he held a meeting with top Russian officials in the Oval Office.  646

In an election year in the middle of a global coronavirus pandemic, a new study finds the majority of Americans, about 80 percent, are confident in-person polling places will be run safely.Survey respondents also seem to agree that it is important for Americans to learn who won the election within a day or two of Election Day, about 82 percent, but only about 50 percent feel confident this will actually happen.Other questions asked on a recent Pew Research Center study appear to have strong partisan divisions.When it comes to being confident about in-person versus mail-in ballots being counted, overall 90 percent of respondents feel good about in-person ballots being counted as voters intended.The confidence in mail-in ballots being counted as voters intended differs; just 37 percent of those who support President Donald Trump say they are confident in mail-in ballots, compared to 77 percent of those who support Democratic presidential nominee Joe Biden.These feelings lead to a 30-point difference in which supporters are planning to cast their ballot in person on Election Day; 50 percent of Trump supporters say they will vote in-person, while just 20 percent of Biden supporters say they will.Roughly 20 percent of both Trump supporters and Biden supporters reported they had already voted or planned to vote in-person during their state’s early voting.The sides also differ on their feelings about how Election Day will be administered around the country. About 90 percent of all survey participants have confidence in their local community elections to be run well.However, 72 percent of Biden supporters feel confident about elections around the country and just 50 percent of Trump supporters feel confident about elections being run well around the country.The survey was conducted the first week of October, talking to more than 11,900 American adults. 1884