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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

WAUKESHA COUNTY, Wisc. -- A Town of Merton man was charged after he called police when sex workers he hired allegedly stole his phone.Scott A Peschmann, 41, along with Victoria Pena, 24, and Maria Lebron, 27, were charged with prostitution and theft after meeting at Peschmann's home for sex, according to the criminal complaint. "Officers made contact with Scott Peschmann who indicated that three females had been at his residence and had stolen his cell phone and 0 in cash," said the criminal complaint. Peschmann had met Pena on the website, "back page," and arranged for an "intimate evening." They agreed upon a price of 0 for various sexual acts.  "Peshmann indicated that he had left four 0 bills on the corner fo the front room desk as a donation for the girls," said the criminal complaint. Peshmann noticed that his cell phone and the money were missing when Lebron went to the car to get a condom. The women were later stopped after officers spotted their vehicle and Peschman's phone was found in Lebron's purse.   1120

WASHINGTON, D.C. — Federal officials say the key component to getting the COVID-19 vaccine distributed across the country will lie in the hands of states, with help from major pharmacy chains, like CVS and Walgreens.“We want to replicate what the experience you have with the flu vaccine — convenient to you, a tried-and-true system that we do hundreds of millions of vaccines through every year,” said U.S. Health and Human Services Secretary Alex Azar. “That's the backbone of the approach we're taking.”Yet, if flu vaccine rates are any indication, that backbone may not suffice.Dr. Eric Schneider is with The Commonwealth Fund, an independent organization that studies health policy. They recently delved into previous vaccination rates to see how it might unfold for COVID-19.“Our health care system does well at developing new technologies like these vaccines, which are really quite amazing, scientifically speaking,” Dr. Schneider said. “But we don't do as well at making sure those technologies are distributed to the people who need them most. And we're seeing that in the prior vaccination experience, and I’m worried we will see that with COVID-19.”What did they find?A mere 51% of Americans got the flu vaccine last year and only 38% got the H1N1 swine flu vaccine 10 years ago, which had a similar vaccine development timetable and pressure to COVID-19.Those low vaccination rates matter because in order for the COVID-19 vaccine to create herd immunity in the U.S., between 70 and 90% of all Americans will need to get vaccinated.“The concept of herd immunity really is developed out of vaccination programs because the question is ‘What proportion of the population needs to be vaccinated to prevent the circulation of a virus in the population?’” Dr. Schneider said.Just getting that shot could vary depending on where you live, as the federal government is leaving that up to each state.“That's going to be up to the nation's governors as they prioritize within their states,” HHS Secretary Azar said.However, Dr. Schneider said that in order for the states to pull it off, they are going to need federal help.“States are in incredible difficulty right now with their budgets and they need federal support,” he said. “Congress is considering a federal rescue package. That funding is really necessary to get states the support they need to vaccinate large numbers of people.”Large numbers of people are now waiting for a rescue of their own from a virus that’s changed everything.For a closer look at the results of the study on vaccination rates from The Commonwealth Fund, click here. 2612

WASHINGTON (AP) — With virus numbers rising locally and nationally and the holiday travel season looming, the nation’s capital is revamping its COVID-19 travel restrictions. Starting next week, visitors coming to Washington, D.C., from a state classified as high risk will be required to take a COVID-19 test and receive a negative result within 72 hours before traveling. They will also be asked to take another test locally if they plan on staying in Washington more than three days. The new system replaces the one in place since July, which required visitors from hot spot states to quarantine for 14 days upon arrival. Washington Mayor Muriel Bowser acknowledged Thursday that the quarantine system, which was entirely voluntary, was probably being violated by many visitors. 788

WASHINGTON D.C. (KGTV) -- President Donald Trump said Saturday that he plans to pull out of an arms control agreement between the US and Russia, according to the Associated Press.The pact, signed in 1987 by the US and the former Soviet Union, prohibits both countries from owning, producing or test-flying ground-launched cruise missiles with a range of 300 to 3,400 miles."Russia has violated the agreement. They have been violating it for many years," Trump said at the Nevada rally. “And we're not going to let them violate a nuclear agreement and go out and do weapons and we're not allowed to."The agreement keeps the US from developing new weapons, with the country saying it will begin developing the weapons unless Russia and China agree not to possess or develop the missiles. Russia has condemned the US for pulling out of the agreement, calling it a “very dangerous step,” while Congress remains mixed.A split also emerged internationally in Europe with Britain saying it stands “absolutely resolute” with the US and Germany calling the move “regrettable.” 1090