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NOAA is predicting about a 70 percent chance of El Ni?o conditions to develop during the 2018-2019 winter. So, if frigid temperatures and lots of snow are not your thing, then this may be good news for you.  El Ni?o is the warm phase of a climate pattern across the tropical Pacific. The pattern can erratically shift back and forth every two to seven years, which triggers disruptions of temperatures, precipitation and winds.  These changes cause large-scale air movement in the tropics but have global effects.  537

NEW YORK (AP) — The storied New York clothier Brooks Brothers is filing for bankruptcy protection.The company that says it’s put 40 U.S. presidents in its suits survived two world wars and navigated through casual Fridays and a loosening of dress standards even on Wall Street, but the coronavirus pandemic pushed the 200-year-old company into seek Chapter 11 protection Wednesday.A spokesperson for the retailer told CNBC that the company has been evaluating strategic options to position them for success, including a potential sale of the business.Another famed men’s clothier, Barneys of New York, sought bankruptcy protection last year, and it was followed by a slew of others toppled by the pandemic, including Neiman Marcus, J.Crew and J.C. Penney.More bankruptcies are anticipated in the retail sector which has been rattled by the spread of COVID-19. 867

NEW YORK (AP) — This year’s Black Friday was the biggest ever for online sales, as fewer people hit the stores and shoppers rang up .4 billion in transactions from their phones, computers and tablets.That’s just behind the .9 billion haul of last year’s Cyber Monday, which holds the one-day record for online sales, according to Adobe Analytics. Adobe measures sales at 80 of the top 100 U.S. online retailers.Adobe expects online sales to jump to another record this Cyber Monday with an estimated total of .4 billion. Much of the shopping is happening on people’s phones, which accounted for 39% of all online sales Friday and 61% of online traffic.Shoppers have been looking for “Frozen 2” toys in particular. Other top purchases included sports video games and Apple laptops.All the online shopping may have helped thin the crowd at malls on Black Friday.Traffic at stores fell 2.1% on Black Friday from a year ago, according to preliminary figures from RetailNext. It tracks in-store activity at tens of thousands of locations, including specialty apparel retailers, big-box stores and mall-based stores. The drop in traffic helped lead to a 1.6% dip in sales.Online and in-store shopping aren’t always completely separate, though. Many people buy things online, only to head to the store to pick them up. Such sales surged 43.2% on Black Friday from a year ago, according to Adobe.This holiday shopping season may be the most harried in years because it’s the shortest since 2013. Thanksgiving this year fell on the last Thursday in November — the latest possible date it could be.Much is riding on the success of the holiday season’s sales. The U.S. economy is still growing steadily, but gains have slowed since its sizzling start to the year. Economists say strong spending by households is helping to bolster growth and make up for weak confidence among businesses given all the uncertainties about the U.S.-China trade war and other factors. 1967

NEW YORK (AP) — Author-commentator Jeffrey Toobin has been suspended by the New Yorker and is stepping away from his job as CNN's senior legal analyst pending what the cable network is calling a "personal matter." Vice reported earlier Monday that Toobin had exposed himself during a Zoom meeting. According to Vice, members of the New Yorker and radio station WNYC were on the Zoom call when the incident occurred last week.In a statement Monday afternoon, the New Yorker said Toobin had been "suspended while we investigate the matter" and declined further comment. A CNN spokesperson says in a statement that "Jeff Toobin has asked for some time off while he deals with a personal issue, which we have granted." 722

Nine months into the COVID-19 pandemic and many people are inching by by making minimum payments on credit cards.But with Pandemic Emergency Unemployment Compensation set to expire next month, staying in good standing with your credit card companies may be getting harder.Many credit card companies are willing to set up a payment plan and waive fees or lower interests on your payments for a certain period of time, but there’s always fine print. There are other options without impacting your credit score.Getting by by making minimum payments on her credit cards, Jana Krause is feeling financially strapped."I'm finding myself in a position that I was able to make my credit card payments on time. Now I'm concerned that that’s not going to be a happening thing coming up in the next months," Krause said.With the Pandemic Emergency Unemployment Compensation set to expire next month, Krause reached out to her credit card companies hoping she can lower her minimum payments without having to go into a hardship program that would freeze her account and potentially impact her credit score."I'm stuck between a rock and a hard place," Krause said. "I've never experienced something like this in my life. I've never been out of a job."At 74, Krause is considered high risk for COVID-19, and going back to teaching wellness classes is not an option for her.Sara Rathner, a credit card expert at the finance company Nerd Wallet, said Krause is not alone."You can look into other options to free up cash in your budget to fulfill other obligations," Rathner said. "Turn to your utility companies, your landlord, your mortgage company, see what sorts of help they can provide. Maybe by freeing up cash in that way you’ll still be able to meet the minimum payments on your credit card."And if that’s not possible, research personal loans or debt consolidation programs. But beware of scams."You can start with non-profit credit counseling that can help you come up with a debt repayment plan and debt consolidation, or even just get help reworking your budget to see if you can free up money to pay your bills," Rathner said.Krause said she’s already cost-conscious doing groceries."I'm not going to one of my favorite stores and getting my favorite treats, nothing. I mean, all that’s been cut out," Krause said.Hardship payments programs may not be for everyone, but Rathner said weigh your priorities before you knock it."In an emergency, your credit score doesn’t need to be your first priority," Rathner said. "You can get yourself into a more stable situation and then focus on rebuilding your credit from there. Right now if what you need to do is keep a roof over your head, keep the lights on, and keep food on the table, that’s your number one priority."This story was first reported by Michelle Quesada at WPTV in West Palm Beach, Florida. 2856

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