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’Tis the season — for scams. As the holiday season reaches its peak, the United States Postal Service is warning customers to be wary of holiday scams when sending and receiving gifts this year. “While the holiday season offers merriment, joy, and togetherness, fraudsters and their scams can dim the season,” the U.S. Postal Inspection Service (USPIS), the federal law enforcement arm of the Postal Service, said on its website . There are a few scams the USPS warns customers of being vulnerable to, including being “snowed” by counterfeit postage, phishing and smishing scams, or mail and package theft. Here are the types of mail fraud to be aware of and what you need to know about them. ‘Smishing’ “Smishing” is one of the more popular scams — especially around the holidays — which includes fraudulent text messages indicating package tracking. It’s a form of phishing, designed to steal personally identifiable information (PII), such as credit card and Social Security numbers, plus account passwords. Smishing specifically involves a text message or phone number. “Victims will typically receive a deceptive text message that is intended to lure the recipient into providing their personal or financial information,” USPIS warns . “These scammers often attempt to disguise themselves as a government agency, bank or other company to lend legitimacy to their claims.” While the USPS does offer free tools to track specific packages, it will not send customers text messages or e-mails without a customer first requesting the service with a specific tracking number — and it will not contain a link. To request the service, text the package’s tracking number to 28777 (2USPS). A text that comes from the agency would generally include a tracking number, package status, date, time, location and instructions to stop receiving further messages. Again, there would not be a clickable link. Per USPS , a text may look like: “USPS 01123456789123456789, Expected Delivery by: Monday, September 11, 2017 Reply STOP to cancel.” If you believe you have received a fraudulent text from a sender pretending to be the Postal Service, it is advised to send an email to spam@uspis.gov and take the following steps: ‘Snowed’ by counterfeit postage The number of counterfeit stamps being sold online has increased, and the quality of the fraudulent stamps has as well, making it harder to differentiate. “Are you looking online for a good deal on postage stamps? Is a substantial discount of up to fifty percent off an order of United States Forever Stamps too good to pass up? If so, keep scrolling, they’re probably counterfeit,” the USPIS said. Scammers often try to target customers through social media, third-party e-commerce sites and pop-up ads. To make sure you’re not purchasing fake stamps, the USPIS recommends purchasing directly from USPS or from Approved Postal Providers, such as legitimate “big box” or warehouse retailers that have resale agreements with the Postal Service. Mail and package theft While mail and packages can be stolen at any time of the year, the USPIS warns that “thieves especially target gift packages delivered during the holiday season.” In order to protect yourself and your mail, the USPIS recommends promptly picking up your mail and packages rather than letting them sit for any length of time. If you can’t be home to receive a package, make another arrangement or use the USPS Hold Mail Service. Recipients can also use the Hold for PickUp option and collect the package at their local Post Office. USPIS warns against sending cash in the mail, saying that it’s not worth the risk. Additionally, if you do not receive a check, credit card or other valuable mail, contact the sender as soon as possible to look into it. If you’re the sender and mailing something important, consider requesting Signature Confirmation for the recipient.Tudor and Cashel Township held a Lunch and Learn at their community centre on Nov. 26, where the township’s Historical Society presented to attendees on how Tudor and Cashel came to be through time. Made possible by the Ontario Seniors Accessibility Grant, there was also a hot lunch of soup, sandwiches and dessert provided by Wattle and Daub Café. Councillor Elain Holloway comments on this look back into Tudor and Cashel’s past to Bancroft This Week. The Lunch and Learn on Nov. 26 was facilitated by the Tudor and Cashel Historical Society’s Bob Clarke, Marie Whittaker and Gina Sikama, although Sikama was unable to attend due to another commitment, but sent her regards. Holloway told the crowd that they were an amateur historical society and what they know and what they found out they collected themselves through research and conversations through their lives here over the decades. “Their hope is to encourage you to become more involved, if not with the township’s history but with that of your own families. There’s a history that goes away if you don’t have that history and hang on to it,” she says. Clarke said that there was so much history and so much had changed over the past 175 years and that as they go through it, hopefully they’ll answer some of the attendees’ questions. “We’re just going to skim the surface today. If there’s an interest in another one of these presentations that deals with logging or mining, we’ll certainly give it an effort to do that,” he says. Clarke told Bancroft This Week back in 2020 in the Bancroft This Week article “Tudor and Cashel’s history illuminates residents’ souls,” that they’d gotten the idea to pursue the historical society from the history section on the township’s website in 2017, as resident Joan Donaldson had preserved quite a bit of the area’s history. “The history of the area here is quite a story, going back to the 1850s. A lot of the older folks are passing and their stories are going to be lost and have been lost. But there’s a lot of their siblings and relatives in the area so that that history can still be preserved. So basically, we live here on the Heritage Trail and the old hotel which used to be called Rickett’s Hotel and the railroad went right by and the station was out front of the place. Well, the history kind of grows on you and I started collecting a bit of information on the railroad and then it kind of snowballed,” he said at the time. On Nov. 26, Holloway presented what Sikama would have said that day, based on some notes provided, called “where it began to now,” going from Upper Canada to the establishment of Canada in 1867, and from the initial farming that didn’t pan out too well, to mining and logging that sustained Tudor and Cashel over the years. “Today, people travel to Bancroft to Belleville to Trenton and points in between to make a living. They could work closer to home but they don’t and this is their home. It’s where they want to live, hunt and fish. The lumber industry will continue, mine exploration, and maybe someday land will be cleared and farmed again using new machinery and technology. Whatever the occupation, families live in Tudor and Cashel because their roots are here and because the rocks, trees, wetlands and lakes draw their heart strings,” she says. Whittaker went next, giving the crowd a taste of what it was like toward the end of the farming era (1850 to 1950) and what family life was like, based upon her own personal experiences. She said life was never dull and there was always something to do. She recalled many memories of life on the Ridge at her family’s farms. “I have vague memories of using coal oil lamps in my Uncle George’s house. I’m not sure when the hydro came to the Ridge, but it was quite an event when the telephones came in. Each house got their own ring and very little privacy,” she says. Clarke finished off the presentation by looking at the early settlers to Tudor and Cashel and the reasons why they came and persevered in the area, like free 50 to 100 acre lots, hope for a better life, and the logging and mining industries. He then looked at the histories of Tudor Township, established in 1865 and Cashel Township, established in 1869 before they amalgamated in 1897 and the history of Tudor and Cashel since then. For instance, Clarke talked about the history of the Central Ontario Railroad and the effect it had on Tudor and Cashel, initially transporting iron ore and later logs through the area, and the effect that the building of Hwy 62 had on the railroad traffic over time, until the last train came through in 1975 and the tracks were removed in 1980. Clarke concluded by says that there’s just so many stories they could spend days telling folks what they’ve been able to pull together from various sources over the years. “We’re going to try to come up with some way to preserve this for the next generation. Most people really aren’t that interested in it until later in life when they think ‘oh, wonder what that was all about?’” he says. Clarke told Bancroft This Week that he hoped the presentation answered a few questions for people in attendance and that it was just interesting. “What we’re trying to do is get an interest in this just so that this stuff preserves. We’re even doing a book that’s in the editing stages but it just skims off the top of what we could put in it and if there’s interest we could do more. It’s to get the next generation thinking ‘okay, we’ll carry on with this,’” he says. Holloway told Bancroft This Week that the Historical Society Lunch and Learn was the best attended, drawing residents including those from neighbouring townships. “The presentation was excellent, very informative giving a glimpse at how Tudor and Cashel came to be. I believe the participants were equally captivated, evident with their interaction and comments, leaving wanting to learn even more. There is so much more yet to share and Bob Clarke, Marie Whittaker and Gina Sikama are eager to come again. The Ontario Seniors Accessibility Grant has provided excellent opportunities for our residents, reducing isolation and encouraging ongoing participation,” she says. “It was an excellent presentation.”Shares of "too big to fail" big banks JPMorgan Chase ( JPM 0.77% ) , Bank of America ( BAC 0.02% ) , and Wells Fargo ( WFC 0.91% ) all rallied big in November, with their stocks increasing 12.5%, 13.6%, and 17.3%, respectively, according to data from S&P Global Market Intelligence . All three stocks had reported earnings in October, but the election of Donald Trump and Republican majorities to both the House and Senate on Nov. 5 lit a fire under basically all financial stocks, with the biggest, highest-regulated banks seeing some of the very biggest gains. Hopes for regulatory relief In the wake of the 2008 financial crisis, U.S. and European regulators implemented a slew of new regulations for banks, especially large "too big to fail" banks. Those regulations required large banks to hold much more equity capital in case of a severe downturn in the economy. However, the rules also meant banks were prevented from lending as much as they could, and by a significant amount. JPMorgan CEO Jamie Dimon has long thought post-2008 regulations had gone too far, limiting large banks from lending roughly 100% on their deposits to lending just about 65% on their deposits. But it's not just lending where regulatory relief might benefit large banks. Current Federal Trade Commission chair Lina Kahn has also been fairly hostile to mergers and acquisitions , fighting almost every proposed tie-up made by any decently sized company. If the resistance to deal-making is relieved and Kahn is removed, more M&A activity could occur. All three of these banks also have large investment banking segments, so those segments would see a benefit on any M&A relief from a new FTC director. It's highly likely any new replacement for Kahn would lessen the agency's opposition to M&A deals. Finally, a Trump administration and Republican majorities in Congress are likely to at least preserve the lowered corporate tax levels implemented in the 2017 Tax Cuts and Jobs Act, which were set to expire next year. U.S. banks are typically full corporate taxpayers, so the prospect of continued low taxes also allowed investors to pencil in more bottom-line earnings next year and beyond with more certainty. Financials on fire The financial sector has actually been the best-performing sector in the global markets this year, even outpacing the technology sector amid all the AI hype. That can be traced back to much lower starting valuations, the prospect of lower interest rates after a couple years of high inflation, and now this assumed regulatory relief from the incoming administration. Even after their stock surges this year, JPMorgan, Bank of America, and Wells Fargo all trade with mere mid-teens trailing P/E ratios . Those multiples are higher valuations than these stocks traded at before, but are by no means very expensive. Therefore, shareholders can feel safe holding these names, while those without exposure to the banking sector might wish to add these big banks to diversify their portfolios .
Storm's Mattson named SPHL Player of the WeekIowa moves on without injured quarterback Brendan Sullivan when the Hawkeyes visit Maryland for a Big Ten Conference contest on Saturday afternoon. Former starter Cade McNamara is not ready to return from a concussion, so Iowa (6-4, 4-3) turns to former walk-on and fourth-stringer Jackson Stratton to lead the offense in College Park, Md. "Confident that he'll do a great job," Iowa coach Kirk Ferentz said of Stratton on his weekly radio show. "He stepped in, did a really nice job in our last ballgame. And he's got a good ability to throw the football, and he's learning every day. ... We'll go with him and see what we can do." Iowa had been on an upswing with Sullivan, who had sparked the Hawkeyes to convincing wins over Northwestern and Wisconsin before suffering an ankle injury in a 20-17 loss at UCLA on Nov. 8. Stratton came on in relief against the Bruins and completed 3 of 6 passes for 28 yards. Another storyline for Saturday is that Ferentz will be opposing his son, Brian Ferentz, an assistant at Maryland. Brian Ferentz was Iowa's offensive coordinator from 2017-23. "We've all got business to take care of on Saturday," Kirk Ferentz said. "I think his experience has been good and everything I know about it. As a parent, I'm glad he's with good people." Maryland (4-6, 1-6) needs a win to keep its hopes alive for a fourth straight bowl appearance under Mike Locksley. The Terrapins have dropped five of their last six games, all by at least 14 points, including a 31-17 loss at home to Rutgers last weekend. "It's been a challenging last few weeks to say the least," Locksley said. The challenge this week will be to stop Iowa running back Kaleb Johnson, who leads the Big Ten in rushing yards (1,328) and touchdowns (20), averaging 7.1 yards per carry. "With running backs, it's not always about speed. It's about power, vision and the ability to make something out of nothing," Locksley said. "This guy is a load and runs behind his pads." Maryland answers with quarterback Billy Edwards Jr., who leads the Big Ten in passing yards per game (285.5) and completions (268). His top target is Tai Felton, who leads the conference in catches (86) and receiving yards (1,040). --Field Level Media
BUENOS AIRES, Argentina (AP) — Botafogo overcame playing with 10 men to win its first Copa Libertadores title after beating fellow Brazilian side Atletico Mineiro 3-1 in the final at Monumental de Nunez Stadium on Saturday. After just 30 seconds, midfielder Gregore, one of Botafogo's best players, hit the head of Fausto Vera with his foot and was given a straight red card. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Get updates and player profiles ahead of Friday's high school games, plus a recap Saturday with stories, photos, video Frequency: Seasonal Twice a weekTech Stocks Surge as Meta Hits Record High, Bolstered by TikTok Potential Ban
Justin Baldoni Rep Admits PR Team “Sophomorically Reveled” Against Blake Lively, But Claims No Smear Campaign Despite Sexual Harassment Allegations(Source: Nasdaq) Tech and growth stocks dragged Wall Street’s main indexes lower on Friday, at the end of an upbeat holiday-shortened week that was driven by expectations around a traditionally strong period for markets. The Dow Jones Industrial Average (.DJI), fell 0.82%, the S&P 500 (.SPX), opens new tab was down 1.24% and the Nasdaq Composite (.IXIC), briefly fell more than 2% and was down 1.80%. Ten of the 11 major S&P sectors, including information technology (.SPLRCT), and consumer discretionary (.SPLRCD), fell the most, down about 2% and 1.9%, after powering most of the broader market’s gains in 2024. COMMENTS: PETER TUZ, PRESIDENT, CHASE INVESTMENT COUNSEL, CHARLOTTESVILLE, VIRGINIA “This is end of year stuff going on people have had a pretty good year, and it’s typical year-end selling pressure caused by people taking profits, not a lot of buyers out there and not a lot of volume.“ “(There’s) no reason to jump in and buy these things at these valuations, and tax planning is on peoples’ minds this week and will be on Monday and Tuesday. I don’t attribute it to, you know, any changing outlook in anything right now.” “The Santa Claus rally is one of those historic statistics that bears watching, but because of the change in administration and the potential change in policy you’re probably seeing more action now than you would ordinarily. There’s the potential for a lot of disruption in 2025.” BRYCE DOTY, SENIOR PORTFOLIO MANAGER, SIT FIXED INCOME ADVISORS, MINNEAPOLIS “Today the market has really been reacting to the implications of taxes coming up. Tax positioning is overwhelming the other factors. But the more the Fed looks out of touch (with economic realities), the worse it is for equities...Tax trading will continue for the rest of the year.” Source: Reuters (Compiled by the Global Finance & Markets Breaking News team)
