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U.S. Government Shutdown Looms, Threatening Holiday Disruptions for Millions

As the holiday season approaches, the U.S. government faces the possibility of a shutdown, which could occur as early as 12:01 AM on Saturday if lawmakers fail to reach a deal. This would mark a major disruption for millions of Americans, as many federal services and payments could be halted during the traditionally festive time of year.

A government shutdown occurs when Congress cannot pass new funding for federal agencies. During such a shutdown, only essential services remain operational, including the military, law enforcement, air traffic controllers, TSA screeners, and Social Security and Medicare payments. However, many federal workers, including military personnel, would be required to work without pay, and hundreds of thousands would face furloughs, leading to financial uncertainty for those affected.

Impact on Holiday Travel

Despite a shutdown, travelers will still be able to fly, as TSA airport screeners and air traffic controllers are considered essential. However, these employees will not receive paychecks until Congress acts, and previous shutdowns have seen issues with staffing shortages and higher rates of absences, leading to delays. TSA Administrator David Pekoske warned that while the agency would still operate, travelers should expect longer wait times at airports, particularly as 40 million passengers are expected to pass through during the holiday season.

Additionally, passport offices in some areas may close, complicating travel plans for those needing to renew or update travel documents.

Military Personnel Affected

Active-duty U.S. troops, both at home and abroad, will still be required to report for duty during a shutdown, but they will not receive their paychecks at the end of the month. Reservists reporting for drills after December 20 will also be unpaid. While military operations will continue, the lack of pay could add significant strain on service members and their families during the holiday season. Past shutdowns have seen retroactive pay approved for troops once Congress resolves the situation.

National Parks and Tourism

Many national parks are expected to close during a government shutdown, affecting tourists planning to visit these public lands during the holidays. Some parks may remain open but with limited services, such as reduced staff and fewer amenities. Utah’s Governor Spencer Cox has stated that the state may use its budget to keep the state’s national parks open despite the shutdown, calling the situation “embarrassing.”

Impact on Safety-net Programs

Essential programs like food stamps (SNAP) and child nutrition programs (WIC) will continue to operate during a shutdown. However, federal support for these programs will be reduced, and delays in service are expected. Should the shutdown extend, funding for these programs could dwindle, leading to potential disruptions in services.

Social Security, Medicare, and Veterans Affairs benefits will continue without interruption, although reduced services may be available for those needing assistance with enrollment or resolving issues.

As the clock ticks down, millions of Americans may face an uncertain holiday season unless Congress reaches a timely resolution to avoid a shutdown.

Business

Fraudsters are increasingly using AI-generated images and videos to trick people into handing over sensitive personal and financial information, according to FraudSMART, the financial crime awareness initiative operated by the Banking and Payments Federation Ireland (BPFI). The organisation has reported a rise in online adverts promoting fake, State-backed investment schemes. These scams often use fabricated images of well-known politicians and business figures to make the offers appear legitimate and encourage users to click on registration links. Niamh Davenport, head of financial crime at BPFI, said scammers are deliberately exploiting recent media coverage of a planned State-backed savings and investment scheme to give their frauds a sense of credibility. “They often claim the scheme is open to everyone, but that places are limited and being ‘snapped up’ fast, in order to pressure people to act quickly,” she said. “They typically promise guaranteed returns or a guaranteed monthly income.” FraudSMART said that while anyone can be targeted, people in their early 50s are particularly vulnerable to investment scams. This age group is often focused on retirement planning, making them more receptive to financial offers that appear secure or high-yield. According to the organisation, most scams follow a similar pattern. Victims are first directed to click a registration link and complete a short online form providing their contact details. They are then contacted by someone posing as a financial adviser, who urges them to make an immediate “security deposit” to secure participation in the scheme. Once a payment is made, the money is quickly moved through multiple accounts, often overseas, making recovery extremely difficult. Davenport warned that scammers are becoming more sophisticated in their use of technology, particularly AI tools that allow them to create realistic but entirely fake promotional content. These materials are designed to mimic legitimate financial advertisements and build trust with potential victims. Recent figures from An Garda Síochána show investment fraud rose by 20% last year, with losses exceeding €20 million. The scale of individual scams varies widely, ranging from smaller crypto-related frauds involving a few hundred euro to large-scale investment schemes where victims lose tens of thousands. FraudSMART is urging the public to remain cautious when encountering online investment advertisements, especially those promising guaranteed returns or requiring urgent action. It also advises consumers to avoid sharing personal information with unverified sources and to be wary of pressure tactics designed to rush financial decisions. Authorities continue to warn that fraudsters are adapting quickly, using advanced digital tools to target victims across multiple platforms.

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Business

Fraudsters are increasingly using AI-generated images and videos to trick people into handing over sensitive personal and financial information, according to FraudSMART, the financial crime awareness initiative operated by the Banking and Payments Federation Ireland (BPFI). The organisation has reported a rise in online adverts promoting fake, State-backed investment schemes. These scams often use fabricated images of well-known politicians and business figures to make the offers appear legitimate and encourage users to click on registration links. Niamh Davenport, head of financial crime at BPFI, said scammers are deliberately exploiting recent media coverage of a planned State-backed savings and investment scheme to give their frauds a sense of credibility. “They often claim the scheme is open to everyone, but that places are limited and being ‘snapped up’ fast, in order to pressure people to act quickly,” she said. “They typically promise guaranteed returns or a guaranteed monthly income.” FraudSMART said that while anyone can be targeted, people in their early 50s are particularly vulnerable to investment scams. This age group is often focused on retirement planning, making them more receptive to financial offers that appear secure or high-yield. According to the organisation, most scams follow a similar pattern. Victims are first directed to click a registration link and complete a short online form providing their contact details. They are then contacted by someone posing as a financial adviser, who urges them to make an immediate “security deposit” to secure participation in the scheme. Once a payment is made, the money is quickly moved through multiple accounts, often overseas, making recovery extremely difficult. Davenport warned that scammers are becoming more sophisticated in their use of technology, particularly AI tools that allow them to create realistic but entirely fake promotional content. These materials are designed to mimic legitimate financial advertisements and build trust with potential victims. Recent figures from An Garda Síochána show investment fraud rose by 20% last year, with losses exceeding €20 million. The scale of individual scams varies widely, ranging from smaller crypto-related frauds involving a few hundred euro to large-scale investment schemes where victims lose tens of thousands. FraudSMART is urging the public to remain cautious when encountering online investment advertisements, especially those promising guaranteed returns or requiring urgent action. It also advises consumers to avoid sharing personal information with unverified sources and to be wary of pressure tactics designed to rush financial decisions. Authorities continue to warn that fraudsters are adapting quickly, using advanced digital tools to target victims across multiple platforms.

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