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WASHINGTON, D.C. – A group of bipartisan lawmakers unveiled two emergency relief bills Monday that they hope will help struggling Americans get through the COVID-19 pandemic.The same group of senators and representatives introduced a 8 billion bill earlier this month, but they couldn’t secure enough support. So, they broke the bill up into two with the hopes of passing something as the coronavirus continues to ravage the country.One bill is called the Bipartisan COVID-19 Emergency Relief Act of 2020. It would provide as much as 8 billion in relief to American students, families, businesses, workers, and health care providers.That measure would include additional funding for the Paycheck Protection Program, schools, unemployment insurance, vaccine distribution, coronavirus testing, and contact tracing.The other bill is called the Bipartisan State and Local Support and Small Business Protection Act of 2020. It would provide 0 billion in funding for state and local governments, as well as liability protections. Both of those issues have been sticking points in relief negotiations.During a press conference introducing the legislation, Sen. Joe Manchin (D-WV) said the bills are a compromise that will carry the American people through April 1, 2021, “to ensure our healthcare crisis doesn’t become an economic catastrophe.”Sen. Susan Collins (R-ME) said she hopes leadership on both sides of the aisle use the group's legislation as a basis for a COVID-19 relief package.Negotiations are still ongoing between Democratic and Republican leadership, but both parties have said they hope to come to an agreement to provide aid the country before they leave Washington D.C. for the holidays.Watch the group lawmakers discuss the relief bills below: 1775

WASHINGTON (AP) — Senate Majority Leader Mitch McConnell congratulated Democrat Joe Biden on Tuesday as the president-elect. The Republican leader said the Electoral College “has spoken.” "So, as of this morning, our country has officially a President-elect and a Vice President-elect," McConnell said during comments in the Senate Tuesday morning. "So, today I want to congratulate President-elect Joe Biden." 418

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 GOP push against Facebook and Twitter has accelerated after Republican senators threatened the CEOs of the social media companies with subpoenas to force them to address accusations of censorship in the closing weeks of the presidential campaign. With Democrats boycotting the hearing, the Republican-controlled Senate Judiciary Committee voted to authorize the legal orders if Facebook’s Mark Zuckerberg and Twitter’s Jack Dorsey don't agree to testify voluntarily. The committee wants to hear from the executives about what the subpoena document says is “the suppression and/or censorship" of recent New York Post articles about Democratic president nominee Joe Biden and his son Hunter. Facebook declined comment and there's no immediate comment from Twitter. 792

WASHINGTON (AP) — Vice President Mike Pence and Sen. Kamala Harris tussled Wednesday in the first and only vice presidential debate before the Nov. 3 election, coming as the coronavirus sidelined President Donald Trump at the White House.A look at how the running mates' statements from Salt Lake City stack up with the facts:RUSSIA INVESTIGATIONPENCE, on the conclusions of special counsel Robert Mueller’s Russia investigation: “It was found that there was no obstruction, no collusion. Case closed. And then, Sen. Harris, you and your colleagues in the Congress tried to impeach the president of the United States over a phone call."THE FACTS: That’s a mischaracterization of Mueller’s nearly 450-page report and its core findings.Mueller did not absolve the president of obstructing the investigation into ties between Trump’s 2016 campaign and Russia. Instead, his team examined roughly a dozen episodes in which the president sought to exert his will on the probe, including by firing his FBI director and seeking the ouster of Mueller himself. Ultimately, Mueller declined to reach a conclusion on whether Trump had committed a crime, citing Justice Department policy against indicting a sitting president. That’s not the same as finding “no obstruction.”On collusion, Mueller said he did not assess whether that occurred because it is not a legal term.He looked into a potential criminal conspiracy between Russia and the Trump campaign and said the investigation did not collect sufficient evidence to establish criminal charges on that front.___ECONOMYPENCE: “Joe Biden wants to go back to the economic surrender to China, that when we took office, half of our international trade deficit was with China alone. And Joe Biden wants to repeal all of the tariffs that President Trump put into effect to fight for American jobs and American workers.”THE FACTS: The tariffs were not the win claimed by Pence.For starters, tariffs are taxes that consumers and businesses pay through higher prices. So Pence is defending tax increases. The tariffs against China did cause the trade deficit in goods with China to fall in 2019. But that’s a pyrrhic victory at best as overall U.S. economic growth slowed from 3% to 2.2% because of the trade uncertainty.More important, the Trump administration has not decreased the overall trade imbalance. For all trading partners, the Census Bureau said the trade deficit was 6.9 billion last year, nearly 0 billion higher than during the last year of Barack Obama’s presidency.___HARRIS, on Trump’s tax cuts: “On Day 1, Joe Biden will repeal that tax bill.”THE FACTS: No, that’s not what Biden proposes. He would repeal some of it. Nor can he repeal a law on his own, much less on his first day in office. Harris also said Biden will not raise taxes on people making under 0,000. If he were to repeal the Trump tax cuts across the board, he would be breaking that promise.___CORONAVIRUSHARRIS: "The president said it was a hoax.”THE FACTS: That's misleading.She's referring to a Feb. 28 campaign rally in South Carolina in which Trump said the phrases “the coronavirus” and “this is their new hoax” at separate points. Although his meaning is difficult to discern, the broader context of his words shows he was railing against Democrats for their denunciations of his administration’s coronavirus response.“Now the Democrats are politicizing the coronavirus,” he said at the rally. “You know that, right? Coronavirus. They’re politicizing it.” He meandered briefly to the subject of the messy Democratic primary in Iowa, then the Russia investigation before returning to the pandemic. “They tried the impeachment hoax. ... And this is their new hoax.”Asked at a news conference the day after the rally to clarify his remarks, Trump said he was not referring to the coronavirus itself as a hoax.“No, no, no.” he said. ”‘Hoax’ referring to the action that they take to try and pin this on somebody, because we’ve done such a good job. The hoax is on them, not — I’m not talking about what’s happening here. I’m talking what they’re doing. That’s the hoax.”___PENCE, on the Sept. 26 Rose Garden event after which more than 11 attendees tested positive for COVID-19: “It was an outdoor event, which all of our scientists regularly and routinely advise.”THE FACTS: His suggestion that the event followed public-health safety recommendations is false. The event, introducing Supreme Court nominee Amy Coney Barrett, drew more than 150 people and flouted safety recommendations in multiple ways. And it was not all outside.The U.S. Centers for Disease Control and Prevention says large gatherings of people who have traveled from outside the area and aren’t spaced at least 6 feet apart pose the greatest risk for spreading the virus.That’s exactly the type of high-risk event the White House hosted.Guests were seated close together, not 6 feet apart, in rows of chairs outside. Many were captured on camera clapping backs, shaking hands and talking, barely at arm’s length.The CDC also “strongly encourages” people to wear masks, but few in the Rose Garden wore them. There was also a private reception inside the White House following the Rose Garden ceremony, where some politicians, including North Carolina Republican Sen. Thom Tillis, who has since tested positive, were pictured not wearing masks.___ENVIRONMENTPENCE: “The both of you repeatedly committed to abolishing fossil fuel and banning fracking … President Trump has made clear we’re going to continue to listen to the science” on climate change.THE FACTS: Pence is correct when he says Harris supported banning fracking, incorrect when he says Biden does, and false when he says Trump follows the science on climate change.At a CNN climate change town hall for Democratic presidential candidates last year, Harris said, “There’s no question I’m in favor of banning fracking. Starting with what we can do from Day One on public lands.” Now, as Biden’s running mate, she is bound to his agenda, which is different.Biden has an ambitious climate plan that seeks to rapidly reduce use of fossil fuels. He says he does not support banning hydraulic fracturing, or fracking, however, and says he doubts such a ban is possible.As far as Trump and climate change, Trump’s public comments as president all dismiss the science on climate change — that it’s caused by people burning fossil fuels, and it’s worsening sharply. As recently as last month, Trump said, “I don’t think science knows” what it’s talking about regarding global warming and the resulting worsening of wildfires, hurricanes and other natural disasters. He’s mocked the science in many public comments and tweets.His regulation-cutting has eliminated key Obama-era efforts to reduce fossil fuel emissions.___HEALTH CAREPENCE: “President Trump and I have a plan to improve health care and to protect preexisting conditions for all Americans.”THE FACTS: There is no clear plan. People with preexisting conditions are already protected by the Obama-era Affordable Care Act, and if the Trump administration succeeds in persuading the Supreme Court to overturn it, those protections will be jeopardy.President Donald Trump has signed an executive order declaring it the policy of the U.S. government to protect people with preexisting conditions, but Trump would have to go back to Congress to work out legislation to replace those in “Obamacare.”Various Republican approaches offered in 2017 would have undermined the protections in the ACA, and Trump has not offered details of how his plan would work. Although Trump has been in office nearly four years, he has yet to roll out the comprehensive health proposal he once promised.___MORE ON THE VIRUSPENCE: “He suspended all travel from China, the second-largest economy in the world. Joe Biden opposed that decision, he said it was xenophobic and hysterical.”THE FACTS: Trump’s order did not suspend “all travel from China." He restricted it, and Biden never branded the decision “xenophobic.” Dozens of countries took similar steps to control travel from hot spots before or around the same time the U.S. did.The U.S. restrictions that took effect Feb. 2 continued to allow travel to the U.S. from China’s Hong Kong and Macao territories for months. The Associated Press reported that more than 8,000 Chinese and foreign nationals based in those territories entered the U.S. in the first three months after the travel restrictions were imposed.Additionally, more than 27,000 Americans returned from mainland China in the first month after the restrictions took effect. U.S. officials lost track of more than 1,600 of them who were supposed to be monitored for virus exposure.Biden has accused Trump of having a record of xenophobia but not explicitly in the context of the president’s decision to limit travel from China during the pandemic. Trump took to calling the virus the “China virus” and the “foreign virus” at one point, prompting Biden to urge the country not to take a turn toward xenophobia or racism in the pandemic.___HARRIS, on the effects of the pandemic: “One in five businesses, closed.”THE FACTS: That’s not accurate, as of now. We don’t know yet how many businesses have permanently closed — or could do so in the months ahead.What we do know is that the National Federation of Independent Business said in August that 1 in 5 small businesses will close if economic conditions don’t improve in the next six months.Many small businesses survived in part through the forgivable loans from the Payroll Protection Program. Larger employers such as Disney and Allstate insurance have announced layoffs, as have major airlines. Restaurants that survived the pandemic with outdoor eating will soon face the challenge of cold weather. So it’s too soon to tell how many businesses have closed or will. 9837