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Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071

AUSTIN, Texas (AP) — Authorities say two cranes collided and at least partially collapsed at a construction site in Austin, Texas, injuring at least 22 people. Footage posted by TV station KVUE after Wednesday's accident shows two cranes tangled several stories above a building under construction a few miles north of downtown in a rapidly growing neighborhood that includes residential, retail and office space. TV footage showed one of the crane operators still inside the crane cabin, although it did not appear to be damaged.Austin-Travis County EMS reports that at least 22 people were hurt, including at least seven who were being treated and prepped for transport to a hospital. At least eight ambulances were headed to the scene. 746

Attorneys for former FBI Director James Comey and the US House of Representatives fought in court Friday afternoon over whether Comey must testify to Congress in a private hearing next week.While Comey technically seeks to pause or kill the subpoena, he is using the case to air his accusation that members of the Republican-led House and Senate selectively leak details for their own benefit when they call witnesses to testify in private.Attorneys for the House called Comey's request "so extraordinary and frivolous that, as far as undersigned counsel is aware, no district court in the history of the Republic has ever granted such a request."Judge Trevor McFadden said at the hearing that he hoped to rule Monday morning after meeting again with both legal teams.The meat of Friday's dispute was how each side characterizes Comey's congressional subpoena. Comey's team says Congress is in violation of its own rules by not conducting its fact-finding hearing in public. The hearing won't require that level of secrecy because no sensitive law enforcement information is expected to be discussed, Comey's team said.The House general counsel countered that because Comey's testimony would be a deposition with staff, a public session isn't required.McFadden asked whether Comey could release a transcript of his testimony to get the full picture before the public. But Comey's lawyers said that would take too much time, allowing leaks of the information before Comey could release his full testimony.When McFadden asked Comey's attorney whether he agreed with the House that a judge has never limited Congress in this way before, the lawyer David Kelley responded, "Here's your opportunity, Judge."Comey has said he would like to testify publicly about the separate investigations into Hillary Clinton's email practices and Russian interference in the 2016 election -- in front of live TV cameras as he has done before."The broader purpose of these tweets and leaks appears to be to mislead the public and to undermine public confidence in the FBI and the DOJ during a time when President Trump and members of his administration and campaign team are reported to be under investigation by Special Counsel Robert Mueller and other law enforcement authorities," Comey wrote in his complaint. He says he is a "victim" of Congress' "unauthorized and abusive tactics."Comey did not attend Friday's hearing in person.He has asked the judge to issue an emergency order to pause the congressional proceedings and to quash the subpoena. In theory, Comey could lose his court challenge and still win what he's seeking, if he manages to convince the judge to pause his subpoena until the House flips to Democratic control at year's end.The case initially was set to be heard by Judge Timothy Kelly, a Trump appointee, then was reassigned randomly to McFadden, also a Trump appointee, after Kelly likely recused from the case. 2941

BAKERSFIELD, Calif. — California Gov. Gavin Newsom has again denied parole for a member of the infamous "Mason family" who is serving time for a murder committed 50 years ago.Newsom blocked the release of 71-year-old Leslie Van Houten from prison Friday, despite a recommendation from the California parole board that she be freed.It's the fourth time in four years that Newsom has blocked Van Houten's release from prison. Newsom said in his Friday decision that she still poses a danger if released.Van Houten is serving a life sentence for helping Manson and others kill a Los Angeles couple in 1969. She was 19 years old at the time.Van Houten's attorney has said that she will appeal.This story was originally published by Tori Cooper on KERO in Bakersfield, California. 783

As many people are still struggling to reclaim their financial footing, experts say easing the burden on your future entails putting a financial plan into place right now.So where do you start?WXYZ spoke to Robin Thompson of metro Detroit's MoneyWise Consulting for the top five financial things you need to do as you get ready for the new year.#1) Review your spending planNow is a good time to evaluate your expenses. Figure out where you can cut temporarily. Good places to look include anywhere you’re sending an automatic payment. Think about any unused streaming service subscriptions or gym memberships."You really have to get clear on what’s a need," said Thompson. "What’s a want? What is truly essential?"#2) Make a plan to get out of debtYou want to list all of your creditors, all of your corresponding interest rates, and then really laser focus on the debts with the highest interest rates.People should be allocating a minimum amount total of three months of essential living expenses for their emergency fund.#3) Start building an emergency fund"If you only have the ability to set aside a week, don’t get hung up on the amount," said Thompson. "The habit is more important than the amount."#4) Prepare for recoveryMortgage-holding homeowners and students should take advantage of loan forbearance right now."Now is the time to pick up the phone and talk with your lender on how’re we gonna handle this?"#5) Re-evaluate your retirement plan"How did COVID impact your retirement savings," said Thompson. "You want to revisit your investment mix, just to make sure you’re on target for your goals."So here’s the top 5 Rebound rundown: create a new spending plan, manage your credit and debt, build out at least a three-month emergency fund, prepare for the end of loan forbearance, and review your retirement strategy. 1844

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