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WASHINGTON (AP) — The Supreme Court has declined by a 5-4 vote to halt the Trump administration’s construction of portions of the border wall with Mexico following a recent lower court ruling that the administration improperly diverted money to the project. The court’s four liberal justices dissented, saying they would have prohibited construction while a court challenge continues, after a federal appeals court ruled in June that the administration had illegally sidestepped Congress in transferring the Defense Department funds. Friday’s order means the court is not likely even to consider the substance of the issue until after the November election, while work on the wall continues. 699

Wednesday marks the second of four presidential debates, and the only one featuring the vice presidential candidates.The debate is scheduled to begin at 9 p.m. ET, and will last 90 minutes.Here is what you need to know about Wednesday’s showdown.The candidatesRepublican Vice Presidential nominee Mike Pence and Democratic Party candidate Kamala Harris were the only two candidates invited to Wednesday’s debate based on polling. In order to be invited, a candidate’s ticket must poll at 15 percent or above in a series of national polls.Pence has been serving as President Donald Trump’s vice president since 2017. Before 2017, Pence was the governor of Indiana for four years. Before that, he served in the US House of Representatives for 12 years.Sen. Kamala Harris is in her first term as a US senator from California. Previously, she was a six-year attorney general of California, and a seven-year district attorney in San Francisco. Harris was an opponent of Joe Biden during the presidential primaries, but dropped out before the Iowa Caucuses and later endorsed Biden.The moderatorSusan Page, current Washington Bureau Chief for the USA Today, will serve as moderator. Page is the first primarily print journalist to moderate a presidential or vice presidential debate since 1976. Page is a frequent guest on the Sunday morning talk shows and was a White House Correspondents Association president.The formatThe vice presidential will feature a format similar to last week’s presidential debate. Instead of six, 15-minute segments, Page will break the debate into nine, 10-minute segments. Page will ask a candidate a question that they have two minutes to answer, and the other candidate will then have two minutes to respond. The balance of the time will be used for a deeper discussion on the topic.Why have a vice presidential debate?Vice presidential debates have generally served as an opportunity for candidates to show they are prepared to become president. Nine vice presidents have ascended to the presidency due to death or resignation.With the possibility that one of the two candidates could become president in the next four years, the debate could serve as a presidential litmus test.The biggest questionAre you ready to be commander-in-chief? Now that Trump has turned 74, and Biden is about to turn 78 next month, this year’s campaign has been between the two oldest nominees on record.Should there be a debate?This question has been pondered in recent days as the White House has had a cluster of coronavirus cases. President Donald Trump, first lady Melania Trump, aides, assistants, White House-based journalists, and three US senators have all been among those who have tested positive for the coronavirus in the last week.Not among those testing positive is Pence, who has been tested every day since Trump’s diagnosis. But CDC guidelines call for those with close contact with coronavirus patients to quarantine for 14 days regardless of negative tests as the incubation period for the coronavirus can take that long.The Commission on Presidential Debates announced Monday that a Plexiglas partition will divide the candidates, and that Harris and Pence will sit more than 12 feet apart on the debate stage.Most important VP debate in history?John Hudak, Deputy Director at Brookings’ Center for Effective Public Management,declared Wednesday’s debate as the “most important vice presidential debate in American history.” And given the age of the candidates and recent discussions over the 25thamendment due to Trump’s stay in Walter Reed Medical Center, Hudak argues that this election’s vice presidential debate takes on new meaning.“In a normal election year, vice presidential candidates often serve as presidential nominees’ attack dogs, and surely, there will be plenty of attacks and criticisms during the debate,” Hudak wrote. “However, this is hardly a normal year. While vice presidential candidates almost always wish to project a presidential aura and command at the debate, that approach is paramount Wednesday night. It will be important for both candidates to steer away from outright political warfare and focus on the solemn reality of a country with an ill president and facing multiple other crises.”Pence leads the coronavirus responsePence was tasked in February with leading the White House’s response to the coronavirus, heading the White House coronavirus task force. In the seven months since the coronavirus began spreading in earnest in the United States, more than 210,000 Americans have died from the virus.There has also been extensive economic fallout stemming from the coronavirus.So a question likely to be asked of Pence is on his performance as the leader of the coronavirus task force.Harris on criminal justiceHarris finds herself in a challenging position as both a former prosecutor and a reformer. Her record as a prosecutor became more of an issue at times during her run for the Democratic nomination for president.For Biden and Harris, the two have disappointed some in the liberal wing of the party for not echoing calls to defund police departments. Biden said during last week’s that he wants to increase funding for police departments.With race and police relations a significant issue this year, expect questions to be raised over Harris’ record as a prosecutor.What’s next?A presidential debate is scheduled for October 15, but there are questions on whether Trump will be medically cleared to participate. Assuming the debate moves forward as scheduled, it will be the second of three debates between Biden and Trump. 5606

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 (AP) — The Trump administration has laid down rules aimed at preventing residents in high-tax states from avoiding a new cap on widely popular state and local tax deductions. The action over the new Republican tax law pits the government against high-tax, heavily Democratic states in an election-year showdown.The Treasury Department's rules released Thursday target moves by states like New York, New Jersey and California — where residents could see substantial increases in their federal tax bills next spring because of the ,000 cap on state and local deductions. Experts say the issue likely will have to be resolved by the federal courts.Four states — Connecticut, Maryland, New Jersey and New York — already have sued the federal government over the deduction cap, asserting it's aimed at hurting a group of Democratic states and tramples on their constitutional budget-making authority.A dozen states have taken or are considering measures to get around the cap. Most of the workarounds take advantage of federal deductions for charitable contributions — which aren't capped — in place of the old deductions for paying state and local income taxes. So people's state and local taxes exceeding ,000, which can't be deducted, are turned into deductible charitable donations.The new rules' "dollar-for-dollar" limit also applies to many other states that already have charitable funds offering tax breaks, senior Treasury officials said. Those states include solidly Republican ones and others with relatively low taxes. In those programs, donors to schools, hospitals or land conservation programs can get their state taxes reduced in return — plus a charitable deduction on their federal tax returns.The limit means taxpayers only can deduct as a charitable contribution the portion of their donation for which they don't also get a state tax credit.But some experts said the Treasury rules seem to be designed to protect those existing charitable programs in some states. An exception to the "dollar-for-dollar" requirement "plainly appears to be designed to protect certain ... pre-existing state regimes," said Daniel Rosen, a tax lawyer at Baker McKenzie who is a former IRS official.Treasury said it expects that only about 1 percent of all U.S. taxpayers would see a reduction of their tax credits for donations to private-school voucher fund. Several states — Alabama, Arizona, Georgia, Montana and South Carolina — allow taxpayers who donate to private-school funds to get a 100 percent credit against their state taxes, according to data compiled by the Institute on Taxation and Economic Policy.___HOW DO THE LIMITS WORK UNDER THE NEW RULES?Dollar-for-dollar: When a taxpayer receives a benefit in return for donating to charity, the taxpayer should only be able to deduct the net value of the donation as a charitable contribution, Treasury says.An example: You donate ,000 to a charity in a state that offers a 70 percent tax credit, so 0 in this case. You would only be able to claim a 0 charitable deduction on your federal return.There is an exception. If the state tax credits don't exceed 15 percent of the amount donated, so up to a 0 state tax credit on a ,000 donation, the taxpayer could claim the full amount as a charitable deduction.___WHY IS THIS IMPORTANT?Taxpayers could have less incentive to donate without getting a deduction or having the deduction reduced.All states rely on property and income taxes to fund an array of services such as education, health care and public safety. Advocates for restoring the full state and local deductions say that the reduced property tax deduction brings a decrease in the value of taxpayers' homes, possibly spurring residents of high-tax states to move elsewhere and crimping funding for local programs.___WHAT'S HAPPENING IN THE HIGH-TAX STATES?Measures designed to work around the ,000 cap have been adopted in Connecticut, New Jersey, New York and Oregon, and introduced or explored publicly by officials in California, Illinois, Maryland, Nebraska, Rhode Island, Virginia, Washington and the District of Columbia.New York Gov. Andrew Cuomo, a Democrat, has called the state-local deduction cap an "assault" on New York by Trump and Republican lawmakers in Washington.In some key "blue" states:—Connecticut has a new law establishing a state charitable fund; donors can get tax credits in exchange for giving.—In New Jersey, where high local property taxes are the major issue, the state is allowing local schools and governments to use the charitable workaround. But so far, no towns have notified authorities that they've set up funds to receive contributions — because state regulators haven't issued the necessary rules, experts say.—New York is offering three options: One like Connecticut's, one like New Jersey's and another to let employers pay payroll taxes for employees, who would receive credits to cancel out the income taxes they would have paid otherwise.—In Maryland, about 500,000 residents — over 18 percent of state taxpayers — will together lose .5 billion in state and local deductions, according to state estimates.___Mulvihill reported from Cherry Hill, New Jersey. Associated Press writer Michael Catalini in Trenton, New Jersey, contributed to this report. 5305

WASHINGTON, D.C. – Two conservative Supreme Court justices are taking aim at the landmark case that legalized same-sex marriage across the U.S. in 2015.Justices Clarence Thomas and Samuel Alito released a four-page opinion Monday about the religious liberty implications from the Obergefell v. Hodges decision.Thomas and Alito argue that the decision threatens the religious liberty of Americans who believe that marriage is a “sacred institution” between a man and woman.“Due to Obergefell, those with sincerely held religious beliefs concerning marriage will find it increasingly difficult to participate in society without running afoul of Obergefell and its effect on other antidiscrimination laws,” wrote the justices.Thomas and Alito were among the four justices who voted against legalizing same-sex marriage five years ago, arguing that it should have been left to the states to the decide.“If the states had been allowed to resolve this question through legislation, they could have included accommodations for those who hold these religious beliefs,” they wrote.Monday’s opinion came as the court declined to hear the case involving Kentucky clerk Kim Davis, who made headlines in 2015 as she declined marriage licenses to gay couples, despite the Supreme Court ruling. Thomas wrote that he agreed with not taking up the case, because it didn’t “cleanly present” important questions raised about Obergefell v. Hodges.In their opinion, Thomas and Alito say Davis may have been “one of the first victims” of the court’s “cavalier treatment of religion” in the Obergefell decision, but she won’t be the last.They claim, “Obergefell enables courts and governments to brand religious adherents who believe that marriage is between one man and one woman as bigots, making their religious liberty concerns that much easier to dismiss.”Thomas and Alito ended the opinion saying the court’s decision in the Obergefell case has “created a problem that only it can fix,” suggesting there’s a possibility the justices could move to overturn the 2015 decision.This comes weeks after the death of liberal justice Ruth Bader Ginsburg. President Donald Trump and his fellow Republicans are working hard to appoint Judge Amy Coney Barrett to that seat, which would give conservatives a 6-3 majority. 2300