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Consumers are looking for greater protections for their personal and financial information in the wake of the Equifax data breach. Many have decided to take precautions and put their credit on ice: a credit freeze.A credit freeze aims to block anyone from opening new accounts in your name. The catch is that the block applies to legit inquires, too. So it's not a great idea if you're shopping for a home or an auto loan. But when you're not looking to take out any loans or open any lines of credit, it can be a financial lifesaver.The Equifax hack, in which the names, Social Security numbers, birth dates, addresses, and driver's license numbers of 143 million people were exposed, may create a new normal in which protections previously viewed as cumbersome -- like credit freezes -- are now a valued line of defense."A security freeze is the most effective measure against 'new account' identity theft, because it stops thieves from using the consumer's stolen information," says Chi Chi Wu, a staff attorney at the National Consumer Law Center.Here's what you need to know about freezing your credit:What is a credit freeze?A credit freeze limits who can see your credit report information. The goal is to prevent anyone from opening any new accounts. It doesn't damage your credit or stop your credit report from evolving by your own actions.Your credit information will still be released to your existing creditors and any debt collectors who may come calling.But, if you want to open new lines of credit, you'll need to lift the freeze first. This can be done temporarily, either for a set time or for a particular party, like a landlord or lender.The costs to freeze and lift the freeze on your credit vary based on where you live and for each credit reporting agency, but commonly range from to per agency.If you're a resident of certain states -- like Maine or South Carolina?-- it's free.In response to public outcry, Equifax announced that fees to freeze your credit will be waived for the next 30 days.But even that doesn't totally protect your information since your data isn't fully frozen until it is on ice at all three credit bureaus. The other bureaus have their own fees. It's also unclear whether Equifax would still charge you a fee to lift the freeze. The company did not immediately respond to request for comment.Consumer protection organizations like the National Consumer Law Center are further calling for Equifax to waive the fees for credit freezes at all three credit bureaus.How is it different from fraud alerts or other credit monitoring?The credit reporting companies do little to make getting a credit freeze easy: you have to ask each of them individually, pay a fee (usually) to put it in place, ask each of them specifically to lift the freeze and often pay another fee. That's because your data is the product that they sell to other people and companies. If you freeze it, it isn't as valuable.As such, they are more likely to offer you fraud alerts and other credit monitoring products. These are services that will let you know when someone is looking at your credit and may contact you about a new account opened in your name. It's helpful, but it is often after the fact."Equifax is offering something that it says functions like a credit freeze," says Mike Litt, consumer program advocate with US Public Interest Research Group. "The problem is that it is incomplete protection and it only lasts for a year. What we're recommending is that people don't bother with the package Equifax is offering and just place freezes with the three credit bureaus instead."Can I still get a credit card or loan?Sure. When your credit is frozen you can continue to operate your financial life just as you typically would. The only notable thing is that you will need to notify the credit bureaus to lift the freeze before you ask a lender to approve you for credit.If you are able to determine which credit agency your potential lender is using to run your credit, you can even save yourself some fees by just requesting the freeze to be lifted on that one.The reporting agencies tell you that this may delay a legitimate credit request.But for those who don't feel comfortable with the way the credit reporting agencies are handling their treasure trove of personal information, a notification to the agencies and day or so delay may be a fair price to pay for added security.The agencies advise you to plan ahead and lift a freeze a few days before actually applying for new credit.How do I freeze my credit?With millions of people feeling vulnerable after the hack and scrambling to secure their most important information, getting a credit freeze has been more difficult than usual in the past few days. Users on Twitter report trying again and again to secure credit freezes, with both the website and phone systems failing.Keep trying.To set up your own credit freeze, go to the freeze page at each credit agency's website individually: Equifax, TransUnion,?Experian.You will be asked to provide information. If you do not want to put your information into another automated computer system, you can call the agencies directly. Usually you are given a PIN number, which is your key to lift the freeze. Do. Not. Lose.In addition to being subject to your state laws, the cost may also vary by agency.Often there is no charge for victims of identity fraud to add or lift a security freeze. Rules and fees at TransUnion, Experian and Equifax are similar, with the exception of Equifax's being waived for the next 30 days. 5652

Country star Jason Aldean was performing when a gunman began firing on the crowd from inside Mandalay Bay. Now, Aldean is opening up about how he's been coping since the tragedy of Oct. 1, 2017.  "I think you go through a lot of different emotions of being thankful that none of your family and friends was injured. And then you feel guilty," said Aldean. "Those people are there to see your show so that's awful."Since that dreadful night in October, Aldean has struggled with the complexity of his feelings about surviving the country's deadliest mass shooting in modern history.  "And then you start doing that thing, like, 'Man, did that really happen. Did that really happen to us?' It seems so crazy. Like how could that even be a thing?"Aldean said his wife and crew were a great comfort to him, but it was visiting the injured in the hospital and the birth of his son that put things in perspective. "That helped. Going back to the hospital, going back to Vegas and seeing those people. Seeing some of the strength they were having," said Aldean. " People laid up in the hospital and smiling and laughing and just being glad they were alive."His son was born exactly two months after the Las Vegas shooting."Really to me, he just gave me something else to focus on. Something else to think about on a daily basis," he said. "Something else to keep my mind occupied where I wasn't just reliving it over, over and over." RELATED: Jason Aldean's wife posts about book from 1 October survivors Aldean has new music coming out Friday and is up for Entertainer of the Year for the third year in a row at the Academy of Country Music Awards. The awards are being held in Las Vegas at the MGM Grand on April 15. 1779

CUSICK, Wa. – The pandemic is making learning tough on students across the country, but for one Native American school that relies on in-person learning, COVID-19 is threatening the core of its program.It’s a language born in the mountains of northeastern Washington. The language, a special dialect called Salish, is the native language of the Kalispel Indian tribe.“We live in the land along the rivers, we hunt we fish, that’s our way,” said JR Bluff, the language director of the Kalispel Tribe.A crucial piece of living the Kalispel way is speaking the Salish language. “Being connected to the ground, being connected to the world, our environment, the people, being connected to our ancestors, the language can do that. It gives you that identity,” said Bluff.It's an identity that was about to be lost forever. “We have four elders that have the language, they’re it, and so we have to move,” said Bluff.So, each day, JR Bluff works to keep his heritage alive. “We believe we are backed into the corner. We believe we don’t have tomorrow, it has to happen today,” said Bluff.Several years ago, Bluff started an immersion school to pass that language down to the next generation. All of the lessons are in Salish.Students who opt into the daily program come to the Salish school after a few hours at the public school across the street.The immersion school not only meets common core education standards, it gives both students and teachers a deep connection to their roots.“The language is healing. It filled a void I didn’t know I had,” said Jessie Isadore, the Language Program Coordinator. “When the kids have a strong foundation and know who they are and where they come from, they’ll be more successful.”Just when JR and his team saw their language growing strong through the students, the pandemic threatened to take it all away.“Our strength is relationships,” said Bluff. “You need to be in the seat with me.”“If the kids aren’t in the classroom, they’re home doing online learning, it’s not the same as being in the classroom. We lose time and we lose language,” said Isadore.To make sure that doesn’t happen, the school’s teachers are now creating Salish lessons online, something they’ve never done before.“We have not done zoom with our students yet, so that’s going to be a new process this year,” said Isadore.“We’re going to figure it out, and we have to figure it out. If I have to record, and we have to drop off a disc everyday, I’ll do it,” said Bluff.It’ll take the extra effort in a place where WiFi is not reliable and instruction is best done in person.“Our language, it’s a sacred breath, you’re not just hearing a word, you are with me and you’re hearing my breath, that’s the strength of our language,” said Bluff.While the future of this classroom is left uncertain, the future of this culture is something JR knows he will protect for his entire life.“Our language has had so many bumps in its thousand-year history, this is just another bump. It’s real in that it affects our community, affects our students, affects our parents, but I know it will pass,” said Bluff. 3111

CLAREMORE, Okla. -- Sequoyah High School students were not afraid to speak out after they said school officials told them they had to remove American flags mounted on their vehicles.On Thursday, a student showed up to the school, located about 40 minutes northwest of Tulsa, with a flag mounted on his car. “As soon as we got out of our cars in the parking lot they were already on us trying to get them down," student Kennith Hoover said. “The American flag symbolizes no racism and it's just strictly for America's freedom," student Jake Storts said. It's a symbol of patriotism, freedom and history. “I think it’s a fight that they picked that they will never win," local business owner Larry Banzet said. “The flag was in great shape, it was mounted properly," Hoover said. "It looked perfect. There was no kind of disrespect about it and they told him to take it down.” Friday, a group of students decided to stand with their friend. “You can’t tell a kid to take the flag down," Hoover said. "We disagree with that so that’s how it started.” “We’re not allowed to fly them because he can’t allow the Islamic or the KKK flag then he can’t allow the American flag," Storts said. Hoover says the school's reasoning change more than once. “Yesterday they said it was a distraction to drivers and students," he said. "Today they were telling me 'you have it mounted wrong' and then they told me it was illegal to fly it the way I was behind my car.” The school district released the following statement to Scripps station KJRH in Tulsa:"Sequoyah Public School is a patriotic school and surrounding community. Our campus has two sets of American and Oklahoma Flags, with one set including our Eagle mascot flag. Flags are displayed in our classrooms and our students recite the Pledge of Allegiance in their daily routine. We want our students to understand the importance of being patriotic, within the guidelines, and to be very understanding of the Flag Code and flag etiquette. Today was a win/win opportunity to work with students to come up with an appropriate solution for displaying the American Flag, Oklahoma Flag and the Eagle mascot flag on their vehicles while on campus."  2299

COVID-19 isn't the only risk this holiday season. Experts warn that the holidays bring a lot of hidden dangers for children, especially with everyone spending more time at home.In her 20 years at CHOC, a pediatric healthcare system in Orange County, California, Amy Frias has made it her mission to keep kids out of the hospital. She wears a lot of hats, helping families with everything from CPR courses to car seats and helmet safety.“Injuries are the leading cause of death and serious injury for children under 14,” Frias said. "It's all about prevention it's all about setting people up so that kids aren’t seriously injured or hurt.” This holiday season Frias says, we all need all the joy and happiness we can get. She advises caution about seasonal decor, especially if you've got young kids.“Things like keeping breakable ornaments up high on your tree, or maybe not having any breakable ornaments on your tree, and making sure that none of your lights are frayed and everything is in good working condition,” Frias said. She said to make sure you're considering age-appropriate gifts, be wary of toys with button cell batteries, and make sure kids can't access those compartments. She also warns that people need to be mindful of holiday plants, and stockings, which can pose a problem.“Mistletoe or holly berry those are two items that are extremely poisonous," Frias said. “Hang your stockings from your fireplace, but if you use your fireplace, remove the stockings from your fireplace before you use it." Frias added that parents should keep in mind that the glass on your fireplace is one of the hottest areas in your home and a young child with thin skin that touches it could have third-degree burns in seconds.When it comes to some of those bigger gifts, Frias reminds people about falls, which is what doctors tend to see the most of in pediatric trauma centers.“Bikes and scooters are great gifts to give kids," Frias said. "But also include a helmet. They need to have helmets and make sure it fits.” Dr. Nikhil Bhayani, who's an infectious disease specialist for a large health care group in North Texas said if you're planning a trip to see Santa Claus, do it while keeping COVID precautions in mind.“My kids wanted to see Santa Claus and the first thing I said was 'we’ll see what type of protective barrier they have what are they implementing,'" Bhayani said. "It was very interesting that Santa was 6 feet away and he was sitting in the back of the sleigh, but they had a Plexiglass separating the kids from Santa Claus."Right now, he says, his clinic is full of COVID-19 patients.“As a provider, I would encourage you to stay at home as much as possible," Bhayani said. "We are in the middle of another surge, hospitalizations are going up, and cases are going up."The doctor added that the best thing to do is use due diligence, keep everyone safe, and not overwhelm hospital systems."The best thing would be to celebrate at home with family, close family, and limit the number of people who come over to your house.” As for all those holiday experiences Bhayani said he can't urge enough caution.“I know that it's the holiday season and there is holiday fatigue, and people want to get out, but I tell people that if they want to be around to enjoy the holidays next year, let's do the right things now.” Frias added that everyone should enjoy those holiday cookies, but don't eat the dough and as we all hope to celebrate the end of 2020, celebrate with a mask on. 3503