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An estimated 1 in 5 Americans reported being victims of package theft over the summer — reaching near “peak levels” — according to a survey from Security.org, a security research site. And porch pirates typically get even more brazen around the holidays.Worried about your Black Friday purchases or Grandma’s gingerbread cookie care box arriving safely? Here’s how to protect your holiday packages.Track your packagesMost delivery services provide tracking information so you can easily follow along with order updates. The United States Postal Service, FedEx and others also allow you to sign up for shipment alerts through a combination of email, text, phone call or app notifications. Once you get an estimated delivery day or time, arrange for someone to be home during that window.Leave special delivery instructionsTry as you might, perfectly timing your package’s arrival isn’t always possible. If you suspect nobody will be around to accept the order, leave specific instructions for the delivery driver. For example, you can require a signature for delivery or request the package be left at a side door or with a neighbor.You’ll likely need an account with the carrier and the order tracking number to set preferences. Some services charge for certain special requests, so read the details carefully before choosing an alternative.Install a security cameraA front-door or doorbell camera can scare off would-be thieves, but it’s not a guarantee. In the event someone swipes your package, having one can still help you out, though. You can submit footage as evidence when you file a claim or police report.Plus, some cameras offer protection plans. The Kangaroo front door security kit comes with one year of the Kangaroo Complete plan, which reimburses up to 0 for stolen packages twice a year.Allow Amazon to leave packages inside your garage or gateKey by Amazon, a smart home system, lets you get packages dropped off inside your garage, gate, car or home (in-home and in-car deliveries have been paused due to COVID-19). With this method, drivers get secure, one-time access to unlock the door and leave your package.But Key works only with Amazon orders, and there are some requirements: You must have a Prime membership, live in an eligible area, purchase the necessary equipment or own a compatible car.Send packages to a facility, locker or storePicking up an order somewhere other than your residence isn’t the most convenient option, but it could be the safest. Consider making a post office, self-service locker or retail location the shipping destination.You can reroute FedEx packages to a nearby Walgreens or send Amazon orders to a secure locker. UPS has Access Point pick-up locations at its stores as well as Michaels, CVS Pharmacy and Advance Auto Parts.Ordering from a retailer with brick-and-mortar locations? Explore curbside or in-store pickup options.If something goes wrong, contact the retailer or delivery serviceIf your package is missing, reach out to the merchant first, then the carrier responsible for delivery (if necessary). They may issue a replacement or refund your money, depending on the circumstances and their order policies.Check your credit card details and insurance policyIf the retailer or delivery company won’t cover you, your existing credit card or insurance provider might. Many credit cards include purchase protection, a benefit that covers stolen items up to a certain amount. Purchase protection usually applies only for a specific period of time following a purchase.Homeowners and renters insurance policies often include protection for stolen personal property, too. Check yours to find out if you’re covered. Insurance providers, like credit card companies, typically require you to file a claim and police report to take advantage. However, most deductibles are set at 0 or more, so you’ll probably end up paying more out of pocket to file a claim than your item is worth.File a police reportFiling a police report can still be a good idea even if you don’t submit a claim through your credit card or insurance company. The information you provide can help law enforcement track down thieves and possibly reunite you with your stolen goods.More From NerdWalletHow to Get the Best Amazon Black Friday 2020 DealsLaptop and Computer Black Friday 2020 Deals: Are They Worth It?Ring Doorbell Black Friday 2020 Deals: Are They Worth It?Lauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. 4512

Are Apple's glory days behind it? That's probably a stretch. But Wall Street clearly is getting more worried about the company's reliance on the iPhone to generate sales and profit at a time when demand for the newer phones appears to be subpar.Shares of Apple (AAPL) fell 3% Wednesday and that was one of the big reasons why the Dow, which includes Apple, fell 300 points. Apple's stock briefly dipped into bear market territory, meaning it was down more than 20% from its all-time high.The reason for the Apple slide? Several companies that produce chips and other components used in iPhones have all issued gloomy forecasts recently, citing sluggish demand for higher-end smartphones.Although none of these companies, which include Qorvo (QRVO), Lumentum (LITE), Japan Display and IQE, have named Apple as the source of their woes, they are all Apple suppliers.But it may not be time to throw in the towel on Apple just yet, even though some analysts are cutting their price targets and earnings estimates due to concerns about soft sales for the newer iPhone XR, iPhone XS and iPhone XS Max.Apple's stock is still up more than 10% this year, making it one of the better performers in the Dow. The company is still worth nearly 0 billion. It remains the most valuable company in the world.Apple also continues to pay a solid dividend that yields 1.5% -- and the company is likely to keep raising its dividend thanks to its cash stockpile of 7.1 billion.What's more, Apple's earnings are expected to increase by more than 13% this fiscal year and keep growing at about a 12% clip annually, on average, for the next few years.So predictions of an Apple iPocalypse, if you will, may be premature. But it does seem like the company needs a new product to get consumers and investors excited again.Perhaps Apple needs to take a cue from the movie "This Is Spinal Tap" and release a new iPhone that goes to eleven. But would it be the iPhone 11 or iPhone XI? 1969

As coronavirus rates rise in most parts of the country, many testing centers are inundated with new patients. Recently, the U.S. Food and Drug Administration (FDA) announced the authorization of a brand new rapid COVID-19 test that people can take themselves at home."I think that it’s better to have a faster test than a slower one. People tend to abide by the public health recommendation to self-isolate if they have actual data in a reliable timeframe. The danger is that we’re asking people to do this at home. It's not in a controlled setting like a laboratory," says Dr. Amber Schmidtke, a public health microbiologist.Dr. Schmidtke says there are still questions about how this new rapid at-home test will be interpreted by health officials."I actually don't expect them to report it. I would be surprised. You know, most people don't report a home pregnancy test to our Department of Public Health, for example. But I think this is going to be treated much in the same way as a home pregnancy test. You know, if you call your doctor and say, 'I tested positive at home,' they're going to repeat that test as soon as you come in," says Dr. Schmidtke.The test, which a doctor will have to prescribe, will provide valuable information to people, as long as it is administered correctly."What if they don't do it very well? You have to put it in your nose and rub it around both nares. You have to put it in, swirl it around 15 times. You have to let it sit there for 30 seconds. You have to know which button to read. There's lots of things that can go wrong and so if the test is misunderstood and you don't have a professional looking over your shoulder, it could result in some unfortunate things," says Dr. Stuart Ray, a professor at Johns Hopkins University and infectious disease expert.Dr. Ray hopes people will use the test correctly so that it really does help prevent COVID-19 transmission in the community."What if they use that to decide that they're now negative after exposure so therefore it's safe to go out before their isolation or quarantine ends. And the problem is, they're still in the incubation period so the test is negative but in fact they’re infected," says Dr. Ray.Dr. Ray says it will take time to understand how the test works, but it's exciting to have a new tool for the general public to use. 2340

Americans counting on emergency coronavirus aid from Washington may have to wait until fall. Negotiations over a new coronavirus aid package have all but ended. The White House and Congress are far apart on the size, scope and approach on relief for households, schools and a national strategy to contain the virus. President Donald Trump’s top negotiator, Treasury Secretary Steven Mnuchin, tried to revive stalled talks Wednesday. But House Speaker Nancy Pelosi and Senate Democratic leader Chuck Schumer dismissed what they called an “overture,” saying the Trump administration is still refusing to meet them halfway. Trump said Democrats are “holding the American people hostage.”While the White House said they believe a compromise can be made on some issues, the two sides remain far apart on funding state and local governments. Many states and municipalities are struggling due to decreased revenues and increased costs amid the pandemic.There is also disagreement among the parties, including Senate Republicans, on unemployment supplements as unemployment figures remain over 10%. From April into July, unemployed workers received an additional weekly 0 unemployment supplement on top of standard unemployment benefits. But many Republicans grumbled that the supplement gave incentive for workers to stay home amid the pandemic.On Saturday, Trump announced the signing of an executive order, which in part would extend weekly unemployment supplements, but the order raised many questions. The supplement would provide 0 a week for unemployed Americans through the end of the year and would call on states to chip in 25%, but many cash-strapped states might not be able to provide the additional funds. There are also questions on how Trump can fund the order without Congressional approval. Although there is grumbling over fears employees won't return to work, if an employer calls an employee back to work, they're no longer eligible for unemployment benefits. 1987

As COVID-19 cases spike across the country, public health experts, doctors and everyday people are constantly checking the spread of the virus in their communities.There are several tools available that give a variety of information regarding case levels. Some trackers provide the number of cases over a 100-day period, while others compare the number of positive tests to the total number of tests.The information can be overwhelming, especially for those who are not health experts. What information is useful, and how should the general public use it to make decisions about their everyday life?Health experts say any tool will help provide context to the situation, as long as the information comes from a legitimate source, like a state health website or reputable institution like Johns Hopkins University.But to make things easier to understand, experts suggest using just one tool in order to get information."If you're traveling somewhere, you want to be able to compare your risk at home versus your risk on the trip," said Dr. John Hammer, the chief of medicine at Rose Medical Center. "It's nice to have a tool that's used in both places to measure that."Using just one source makes it easier to understand the situation, even if the numbers vary from tool to tool. 1286

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