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WASHINGTON, D.C. – With Joe Biden projected to become the 46th president of the United States, both the former vice president and President Donald Trump are reacting.Shortly after The Associated Press called the race for Biden, he released a short statement, calling for unity now that he is the president-elect.Read Biden’s full statement below: 354

WASHINGTON (AP) — The House has approved legislation that would reverse recent changes in U.S. Postal Service operations. The measure would also send billion in emergency funds to shore up the agency ahead of November's presidential election. Passage was 257 to 150 and came after heated debate. President Donald Trump had urged a no vote, calling concerns over mail delivery a “hoax," and the White House says he will veto the bill if it passes the GOP-led Senate. More than two dozen Republicans broke with the president and backed the legislation. 562

WASHINGTON, D.C. – Louisiana is a state dealing with not one, but two multi-billion-dollar natural disasters within the span of six weeks: Hurricanes Laura and Delta.“This family had just moved in less than a week ago,” said Chuck Robichaux, mayor of the town of Rayne, Louisiana. “They’re just getting settled in, haven’t even put all their things in place, and they’re having to move out until we can get it repaired.”It’s a heartbreaking scenario playing out across the country this year.Up until Hurricane Delta, the National Oceanic and Atmospheric Administration said the country experienced 16 natural disasters this year, each with damages over a billion. Those included wildfires and droughts in the West, tornadoes, severe weather and flooding in the Midwest and hurricanes along the East and Gulf Coast.That number, 16, tied the record for the most billion-dollar disasters ever recorded in a single year, until Hurricane Delta broke the record with at least billion in damages.“The overall trend is one of an increasing number of billion-dollar disasters,” said Jeff Schlegelmilch, director of the National Center for Disaster Preparedness at Columbia University.He said there are two main reasons there have been more of these high-priced disasters.The first is climate change.“To deny climate change is to deny one of the critical drivers of these disasters,” Schlegelmilch said.The other reason, he said, comes down to where people choose to live. The population is growing, which is leading to more development in vulnerable areas, like in hurricane-susceptible coastlines and in wooded areas susceptible to wildfires.“Are we prepared to accommodate such large numbers of people in areas that are increasingly vulnerable to disasters?” Schlegelmilch said. “And, if not, what investments do we need to make in order to do that?”That might mean putting stricter building codes in place and rethinking disasters beyond just responding to them when they happen, the way FEMA and states do now.“It's not just about responding to the disaster, it's about preventing it, it's about mitigating it,” Schlegelmilch said. “So, looking at this more holistically, I don't think we yet have a great model for doing this federally or at the states or at the community level.”It’s more than just about the numbers, though, when it comes to billion-dollar disasters. There is a tremendous personal cost, too.“What we don't really capture as accurately within those numbers are the loss of lives, the loss of livelihoods and the communities that can actually be held back for a generation or more,” Schlegelmilch said.That leaves impacts felt both now and potentially by generations that follow. 2707

WASHINGTON, D.C. – Two different doses of a thyroid medication are being recalled because they're not potent enough.The Food and Drug Administration announced Thursday that Acella Pharmaceuticals is voluntarily recalling one lot of 15-milligram and one lot of 120-milligram NP Thyroid?, Thyroid Tablets.The products may have as low as 87% of the labeled amount of levothyroxine, which is used to treat hypothyroidism (an underactive thyroid), according to the FDA.The company’s risk statement says patients being treated for hypothyroidism who receive sub potent NP Thyroid may experience symptoms of hypothyroidism, including fatigue, increased sensitivity to cold, constipation, dry skin, puffy face, hair loss, slow heart rate, depression, swelling of the thyroid gland and/or unexplained weight gain or difficulty losing weight.“There is reasonable risk of serious injury in newborn infants or pregnant women with hypothyroidism including early miscarriage, fetal hyperthyroidism, and/or impairments to fetal neural and skeletal development,” wrote Acella. “In elderly patients and patients with underlying cardiac disease toxic cardiac manifestations of hyperthyroidism may occur, such as cardiac pain, palpitations or cardiac arrhythmia.”So far, Acella says it has received four reports of "adverse events" for these lot numbers, possibly related to the recall.The products subject to recall are packed in 100-count bottles. Their lot numbers are M327E19-1 and M328F19-3. And their expiration dates are Oct. 2020 and November 2020.The products were distributed nationwide to Acella’s direct accounts, including wholesalers, pharmacies, and health care offices.“Acella is proactively notifying its wholesalers by email and phone to discontinue distribution of the two above referenced lots being recalled and is arranging for return of all recalled products,” wrote the company.Anyone who is currently taking NP Thyroid from the lots being recalled should not discontinue use without contacting their health care provider for further guidance and/or a replacement prescription, according to Acella.Anyone with questions about the recall can email Acella at recall@acellapharma.com or contact a representative at 1-888-280-2044.Click here for more information. 2272

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

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