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Reported cases of fraud and identity theft have skyrocketed since the pandemic began in the United States. One expert said COVID-19 has created an unparalleled opportunity for scammers.For Holly and Tony Chilicas, the nightmare began decades ago – in a time before widespread cyber scams and coronavirus. In fact, it happened in a very analog way -- Tony’s wallet was stolen.“I was a dumb kid and I didn't think nothing of it. I'm like, ‘I'll just cancel my credit cards and I'll get it a new license, I'll...’ And I had my social security card in there, and I didn't know,” said Tony.After that theft, his identity was stolen – over and over again.“Basically, his social security number has been used in upwards of 10 different states by 20 plus people,” said Holly.She said one was even caught red-handed. She shared a police report from 2006 when a man named Jorge Campos Ramirez was caught with Tony Chilicas’ name and social security number and admitted to a police officer he bought Tony’s information at a grocery store and had been using it for months to get work.“They talked to the guy and he bought Tony’s social security card and driver's license for ,” said Holly.Holly and Tony said that’s just one case of many, and it’s led to Tony being charged hundreds of thousands in back taxes he didn’t owe and a lowered credit score. He even had to put off legally marrying Holly until he got some of it straightened out with the IRS -- a process that took 10 years -- and he said it’s still not completely fixed.“So, if it happens to me and I'm just an average Joe, it could happen to anybody,” said Tony.It is happening more and more. According to the Federal Trade Commission – the agency that handles identity theft and fraud concerns at the website IdentityTheft.gov – so far this year, there were more than 1.8 million reported cases of fraud and identity theft. Nearly 190,000 of those are directly connected to the coronavirus pandemic, and those COVID-related fraud cases really skyrocket right as many states were putting lockdowns in place.“COVID-19 has created – I don’t even have a word for it – COVID-19 has created this opportunity for scammers that is unparalleled,” said Eva Velasquez, president and CEO of the nonprofit Identity Theft Resource Center.Velasquez said all the scams that have been around for a long time that are often regional – like those that happen after a disaster, a health scam, fraud, phishing – they’re all happening right now because the pandemic is universal. She said everyone’s emotions are heightened right now and scammers prey on that.”Well, there is just a panoply of scams that are popping up because of COVID, and so there is going to be a very long tail on this fraud because there are just so many different types, and they're all escalating,” said Velasquez.She said one scam they’re hearing a lot about now is unemployment identity theft.“There are a lot of factors here that are creating this increase [in unemployment identity theft], the first one is it's actually more lucrative now,” said Velasquez.She said that was due to the 0 weekly pandemic bump, she also said that most people who were scammed didn’t know it until it was too late.“The one that we are hearing the most in our call center is the one that's the most devastating, these people that are calling us their scared, they're angry, they're in tears,” said Velasquez. “They legitimately need these benefits in order to meet their basic needs, and they can't get them because a criminal has basically circumvented those benefits and taken them away from them.”Others scams unique to this time we are all living in are scams surrounding contact tracing.“We really do need to participate in [contact tracing]. It is very important for us to get a handle on this when there are contact tracers that are trying to do their job, that they get cooperation from people, however, the scammers know that and they are trying to leverage it,” said Velasquez.She said the good news is there’s some pretty universal advice when it comes to scams and any contact you didn’t solicit: go to the source.She said if you get an email you didn’t ask for – even if it looks official – don’t click on any links. She said, especially now, it’s important not to panic, to step back and try to verify the information in a different way by going to the source. She said the same goes for phone calls you didn’t ask for --whether it’s a contact tracer or someone who says they’re from your bank -- ask the caller questions about themselves, where they’re calling from and why. She said then hang up and find a phone number yourself you know is correct and call back. No one who’s trying to contact you for a legitimate reason will ever yell at you or threaten you for trying to keep your identity safe.She also said for those who might be afraid they’re being rude – especially those in the older generations – that it’s not rude to protect yourself.“It's not rude to say, I have to verify who you are, and if someone starts yelling at you or demanding things of you, it's not rude to hang at the phone,” said Velasquez.It’s a sentiment Tony agrees with 100 percent. He speaks with the experience of a man who’s spent more than a decade trying to get his identity back and trying to get a new social security number.“Be rude! Who cares, hurt someone's feelings. And they don't care about you,” said Tony.In other words, be smart, be aware and be your own advocate. 5478

President Trump took a shot at his former lawyer and self-proclaimed "fixer" Michael Cohen this morning, hours after Cohen pleaded guilty to eight felony charges — including a campaign finance charge he says came at the President's request."If anyone is looking for a good lawyer, I would strongly suggest that you don’t retain the services of Michael Cohen!" Trump tweeted.RELATED:?Michael Cohen pleads guilty, implicates TrumpTrump also falsely claimed in a later tweet that Cohen's campaign finance violations were "not a crime" — despite the fact that Cohen had agreed to plead guilty to the charges. The eight charges to which Cohen agreed to plead guilty included campaign finance violation charges relating to hush money payments to two women who had affairs with Trump.Wednesday's tweets were the first times Trump had directly addressed Cohen by name since the attorney pleaded guilty to eight charges on Tuesday afternoon. He chose not to address the issue at a campaign rally in West Virginia last night.   1045

RED BLUFF, Calif — Two people were left dead and at least four people were in fair condition Saturday after a man drove into a distribution center and started shooting at people. The two deceased people and the four injured ones were treated at St. Elizabeth Community Hospital in Red Bluff. Authorities shot the man. Emergency dispatchers told the Record-Searchlight newspaper that the shooting by a man with “AR-type weapon” started about 3:30 p.m. at the Walmart distribution center. Dispatchers say there also was a fire at the site, and the suspect appears to have rammed a vehicle into the building. The suspect had been shot in the chest around 3:45 p.m. 669

Putting on makeup is a part of our morning routine. To save money and time, you might use foundation that has sunscreen already in it, but does using a dual product give the same protection as using sunblock then foundation.Dermatologist Dr. Michelle Draznin with Kaiser Permanente said, it depends.“Sunscreen to maintain its efficacy has to be reapplied every 90 minutes and nobody reapplies makeup every 90 minutes,” she said.If you do re-apply throughout the day, Draznin says there are a few things to look for when buying the right makeup.She says to look for coverage with 50 SPF. Also, the product should have the ingredients titanium dioxide and zinc oxide.“Titanium dioxide and zinc oxide together kind of performs with optimal protection,” said Draznin.If skin pigmentation is a problem for you, Draznin suggests using a product that also has the ingredient iron oxide.“Iron oxides are great too because they protect better in the visible light and inferred light wavelengths and those wave lengths although don’t cause skin cancer they can cause pigmentation changes on the skin,” said Draznin.Whether it’s high end of low end foundation, if they have those three ingredients and the SPF of 50, Draznin says it doesn’t matter the cost or brand.“Some of these companies actually are made by the same manufacture same plant one for drug store and one for high end varieties, so really just pay attention to the ingredients and SPF factor," said Draznin. 1510

President Trump nominated Federal Reserve Governor Jerome Powell on Thursday to lead the world's most influential central bank.A Fed governor since 2012 and former Treasury official under the George H.W. Bush administration, Powell will replace current Fed Chair Janet Yellen. Yellen was nominated in 2013 by President Obama. Her term as the central bank's first female leader expires in February.It will be the first time in four decades that a new president hasn't asked the current Fed chair to stay on for a second term.Powell was among five candidates considered for the job. Also on the president's short list: former Fed governor Kevin Warsh, Stanford University economist John Taylor, the president's top economic adviser, Gary Cohn and Yellen.Ahead of Trump's formal announcement Thursday, Cohn praised the president's choice. "I'm really supportive of the president's decision -- and it's a great decision," he said speaking before The Economic Club of Washington.Related: Fed leaves interest rates alone and waits for TrumpThe position of Fed chair requires Senate confirmation. Republicans currently hold the majority and would be able to confirm Powell without any Democratic support, if necessary.At 64, Powell has been Yellen's ally on monetary policy, while also calling for easing some of the regulations on banks put in place after the 2008 financial crisis.Unlike almost all of his predecessors in the position, Powell is not an economist by training. Instead, he was a lawyer and former partner at private-equity firm, Carlyle Group.Two immediate challenges face Powell once he is confirmed in the role: How quickly to raise interest rates and how to continue to safely unwind the Fed's hefty balance sheet.It's the job of central bankers to shift policy levers, nudging interest rates higher or lower, to boost jobs and keep prices, or inflation, at the optimal level.What's made their job trickier is that inflation is signaling the Fed should not increase rates. But economic growth and a low unemployment rate of 4.2% are saying it should.Related: Powell would be the first investment banker to chair the Fed Powell has been supportive of Yellen's plan to gradually raise interest rates, if there are continued signs of improvement in the economy."The economy is as close to our assigned goals as it has been for many years," said Powell in a June speech at the Economic Club of New York. "Risks to the forecast now seem more balanced than they have been for a some time."Powell will also have to oversee how the central bank continues to shed some of the .5 trillion in investments it made in order to prop up the economy after the financial crisis. The Fed began the process of unwinding almost a decade's worth of stimulus investments in September.For years, the central bank piled up purchases of Treasury and mortgage-backed securities, a strategy intended to stimulate the economy by reducing borrowing costs for everyone. At the time, it also reduced its benchmark interest rate to zero, and only began raising it in December 2015, seven years after the crisis.Related: Fed taps Jerome Powell to head oversight of 'too big to fail' banksPowell voted in favor of winding down the Fed's balance sheet. And like Yellen, he's left the door open for a new round of asset purchases in the event of another crisis.In April, the Fed tapped Powell to serve as the new point man overseeing how Wall Street banks are regulated after Daniel Tarullo, the central bank's regulatory czar stepped down. Tarullo held the position for the past eight years.In this role, the Fed governor has sided with the Trump administration on easing some of the regulatory burdens on banks. He's specifically suggested relaxing the so-called Volcker Rule, which bars banks from taking risky bets with taxpayer money.The-CNN-Wire 3838

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