内容摘要：“If you get a robocall out of the blue paying a recorded message trying to get you to buy something, just hang up,” said James Lee, chief operating officer at the Identity Theft Resource Center. “Same goes for texts — anytime you get them from a number you don’t know asking you to pay, wire, or click on something suspicious.”

“If you get a robocall out of the blue paying a recorded message trying to get you to buy something, just hang up,” said James Lee, chief operating officer at the Identity Theft Resource Center. “Same goes for texts — anytime you get them from a number you don’t know asking you to pay, wire, or click on something suspicious.”

“I think that now more than any other year, your financial wellness should be a resolution,” said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. “Your mental health with money should be a resolution.”To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said.

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.▶ Follow live updates onNEW YORK (AP) — During natural disasters like wildfires and floods, scammers often emerge to prey on victims.

People in heightened emotional states in the wake of a catastrophic event should be extra careful of impersonators asking for identifying details, according to Karina Layugan, an attorney with the Federal Trade Commission based in Los Angeles, wherethat have already destroyed thousands of homes and killed at least 24 people.

Scammers sometimes pretend to be from the utility company or the Federal Emergency Management Agency and ask to “verify information.” If someone uses that phrase, ask why the individual needs that information and “always contact the company or agency directly,” she said. That’s information those organizations should already have.

“It’s something that’s unfortunately very common,” Layugan said. “After disasters, people are also particularly vulnerable to people saying you need to ‘act fast’ and using urgency to pressure people into taking actions that might not be in their best interest.”Stocks had been drifting only modestly lower early in the day, after

and other retailers gave mixed forecasts for upcoming profits amid uncertainty caused by. The market then turned sharply lower after the U.S. government released the results for its latest auction of 20-year bonds.

The government regularly sells such bonds, which is how it borrows money to pay its bills. In this auction, the U.S. government had to pay a yield as high as 5.047% to attract enough buyers to lend it a total of $16 billion over 20 years.That helped push up yields for all kinds of other Treasurys, including the more widely followed 10-year Treasury. Its yield climbed to 4.59% from 4.48% late Tuesday and from just 4.01% early last month. That’s a notable move in the bond market.