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Happy World Emoji Day! Go ahead, look closely at that calendar emoji on your phone, with the default date of July 17. That makes Friday World Emoji Day.This year has been so … much. There are hardly any words to describe it. Try emojis today.Emojipedia looked at which emojis were most often included in conversations about the coronavirus. The mask-wearing face was the top result ??????, but people are also using the Nauseated Face ??, Face Vomiting ??, Sneezing Face ??, and Face with a Thermometer ??.Emojipedia says relative use of the smiley face emoji is down more than 5 percent over the last year.According to Emojipedia, the top ten emojis from April 2020 (which seems like a lifetime ago):?? Face with Tears of Joy?? Loudly Crying Face?? Pleading Face?? Rolling on the Floor Laughing?? Red Heart? Sparkles?? Smiling Face with Heart-Eyes?? Folded Hands?? Smiling Face with Smiling Eyes?? Smiling Face with HeartAlthough, the recent events of 2020 will probably bump some new ones to the list.World Emoji Awards are being announced Friday, and after weeks of online voting, will name “the most 2020 emoji”. 1124

Good news and bad news from the IRS this July.The good: the agency reopened for business as of July 13th, which means it is now taking phone calls and processing tax filings as quickly as possible.The bad: during a year when every dime counts, the agency says as many as 4.7 million tax refunds will be delayed another few months.Cristy Mack is one of them. She and her husband never wait to file their taxes because she depends on her refund.But like almost five million other people, they still file paper returns because they are most comfortable doing that."We mailed our paper forms at the end of February," she said.But five months later, Mack still doesn't have her refund."A total of 18 weeks have gone by since we mailed in our return," Mack said.She tried calling the IRS, she says, but like countless other taxpayers, ran into a brick wall."They say they aren't taking calls at the moment," she said.Why refunds are taking so long this yearThe IRS's national taxpayer advocate now says as 4.7 million people who filed paper returns will have very late refunds.That's because the agency furloughed thousands of workers this spring and stopped processing paper returns for two months, creating a huge backlog.Paper processing has restarted, but workers are far behind.Mack needs her tax refund badly."It means a lot to us," she said. "Especially with everything going on, and my husband's job has been really slow, and we are making less.We passed Mack's information on to the IRS, though it may not make a difference if her return is buried in a stack of thousands."When you rely on that as part of your income and it's not there, it does make things a little sketchy sometimes," she said.And with the IRS extending the tax deadline to July 15 this year, even more paper returns are about to be added to the stack.If you are still waiting for your refund, all you can do is log on the IRS website, go to the "Where's my Refund" section, and cross your fingers.As always, don't waste your money.Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com. 2296

Hackers stole information for more than 5 million credit and debit cards used at Saks Fifth Avenue, Saks Off 5th and Lord & Taylor stores.Hudson's Bay Company, which owns the retail chains, confirmed the breach Sunday, and said it has "identified the issue, and has taken steps to contain it.""Once the Company has more clarity around the facts, it will notify customers quickly and will offer those impacted free identity protection services, including credit and web monitoring," Hudson's Bay said in a press release.The company added that the cards were used for in-store purchases, and there is "no indication" online purchases were affected. Hudson's Bay said it's cooperating with law enforcement in an ongoing investigation.A cybersecurity firm called Gemini Advisory identified the breach and posted a blog post detailing its scope. The "attack is amongst the biggest and most damaging to ever hit retail companies," according to the firm.Gemini Advisory said a hacking syndicate put credit and debit card information it obtained from the hack up for sale on the dark web last week.A "preliminary analysis" found credit card data was obtained for sales dating back to May 2017, according to the post. The breach likely impacted more than 130 Saks and Lord & Taylor locations across the country, but the "majority of stolen credit cards were obtained from New York and New Jersey locations."The hackers were also behind notorious data breaches that affected companies including Whole Foods, Chipotle, Omni Hotels & Resorts and Trump Hotels, Gemini Advisory said. 1589

Globally, population sizes of mammals, fish, birds, reptiles and amphibians declined an average of 68% between 1970 and 2016, according to a new report from the World Wildlife Fund.WWF says populations in Latin America and the Caribbean have fared worst, with an average decline of 94%. Researchers also found that global freshwater species have also been disproportionately impacted, declining 84% on average.“Why does this matter? It matters because biodiversity is fundamental to human life on Earth, and the evidence is unequivocal – it is being destroyed by us at a rate unprecedented in history,” the Living Planet Report 2020 says. You will find more infographics at StatistaWWF says these drastic species population trends signal a fundamentally broken relationship between humans and the natural world. The organization says the consequences can be catastrophic and points to COVID-19 pandemic as proof.“As humanity’s footprint expands into once-wild places, we’re devastating species populations. But we’re also exacerbating climate change and increasing the risk of zoonotic diseases like COVID-19,” wrote WWF-US President and CEO Carter Roberts. “We cannot shield humanity from the impacts of environmental destruction. It’s time to restore our broken relationship with nature for the benefit of species and people alike.”The report points to one underlying cause for the deterioration of nature and decline in species populations: humanity. It claims people are now using more of the Earth’s resources than can possibly be replenished, which has a disastrous impact on biodiversity.Researchers believe the change in land use is the most direct driver for loss of biodiversity, particularly the conversion of habitats into agricultural systems. The report says climate change will become an important driver of biodiversity loss in the coming decades.All hope is not lost though. The report says modelling predicts that the declining trends can be flattened and reversed with urgent and unprecedented actions. These actions include transforming food production and consumption, aggressive movement to tackle climate change, and investments that conserve, protect and restore nature.Overall, the report urges world leaders to treat biodiversity conservation as a non-negotiable and strategic investment to preserve human health, wealth and security.“While the trends are alarming, there is reason to remain optimistic,” said WWF Global Chief Scientist Rebecca Shaw. “Young generations are becoming acutely aware of the link between planetary health and their own futures, and they are demanding action from our leaders. We must support them in their fight for a just and sustainable planet.” 2710

HONG KONG – Scientists at the University of Hong Kong claim to have the first evidence of someone being reinfected with the coronavirus that causes COVID-19.They said Monday that genetic tests show a 33-year-old man returning to Hong Kong from a trip to Spain in mid-August had a different strain of the virus than the one he’d previously been infected with in March.The man had mild symptoms the first time and none the second time, so his previous infection may have helped prevent serious illness.Experts say waning immunity could have implications for vaccine development and that the case shows the need to keep up social distancing and other prevention measures.Dr. Kelvin Kai-Wang To, who led the group of scientists, told The Associated Press that it’s unknown how many people can get reinfected, but there are probably more out there.Even if someone can be infected a second time, it’s not known if they have some protection against serious illness, because the immune system generally remembers how to make antibodies against a virus it’s seen before. 1069