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The National Retail Federation expects the average shopper to spend roughly ,000 on gifts this Christmas —up about from the year before.You could end up spending even more, depending on how you pay for it.According to the U.S. Federal Reserve, nearly half of Americans say they couldn't cover an emergency expense over 0. Consumer protection attorney Gordon Leech explains how the interest rate can vary wildly after those flashy offers expire."Good credit helps you it certainly helps you but it doesn't mean that whoever you're getting the credit from is actually giving you the best rate you ought to get," Leach said.Layaway is another option to get what you want without it affecting your credit or paying interest.The Better Business Bureau Serving Wisconsin points out the drawbacks include down payments and fees."What if you're halfway through and you decide you don't want it anymore what kind of refund do you get? Do you get any of it back do you get all of it back?" said Jim Temmer, president of BBB Serving Wisconsin.The number one point the BBB president says is to make sure to stick to your budget. As hard as it is, do not buy what you cannot afford. 1191

The pandemic has brought on a shortage of toilet paper, cleaning supplies and disinfectants. Now there's a new shortfall in the form of currency.The coin supply has been disrupted, forcing the Federal Reserve to step in.Like everything else in our lives, COVID-19 got in the way. This time it’s affecting the currency supply by causing fewer coins.Now, the U.S Mint is trying to keep up with the demand.Jim Gaherity of Coinstar, which has 22,000 kiosks around the world, says this is a call to action.“What’s happened during the pandemic is businesses have been shut down without access to buy your daily coffee, afternoon sandwich, which most purchases of small items is done by cash,” Gaherity said. “In the US, the ability of the consumer to recirculate that coin back into the retail, which then goes back into the bank, slowed down significantly.”The 29-year-old company is mainly featured in grocery stores and banks. People come in with loose change and get a voucher for folding money, or these days, you can load your Starbucks and Amazon account, donate to charity, or buy bitcoin. Gaherity says, believe it or not, most of those coins are now stuck in people's homes.“The vast majority of coins is (sic) recirculated through typical use of consumer,” Gaherity said. “They’re either taking it and buying things from store. which goes into till which then goes back into the banking system into inventories, or they’re going to aggregators like Coinstar.”The way money is funneled through our country is like a big cycle. The mint produces a new coin and it goes through the federal reserve bank, which then takes orders from banks and distributes it.“What banks do is look historically in terms of retail orders that they’re getting,” Gaherity said. “Retail is getting coin and currency from their local bank and they know historically what that volume typically looks like so they place their orders in advance to fulfill the need from retail.”Businesses and consumers help move it around too.“Coinstar recirculates more coins every year in the US by 3.5 times what the US mint produces,” Gaherity said.Those Coinstar kiosk bins weigh about 700 pounds when collected. That's a lot of pennies, nickels, dimes and quarters. Trucks pick it up and swap it out.“That coin goes on the truck and into a processing center,” Gaherity said. “It’s places like Loomis and Brinks where we deliver that coin. They take those bins and fine count every single piece and distribute into denominational bins so all the pennies, nickels, dimes, all get segregated. Once that’s all done and count is complete, it goes back into the local bank.”Coinstar is doing extra pickups to help recirculate as much as they can. There's just not enough out there because people aren't putting it back into the system.Asked if coins are, like toilet paper once was, the next thing that people are hoarding. Gaherity said, “That’s the question we’re trying to answer. We work with the Mint and Federal Reserve to try and understand better are banks hoarding it right now? Are they keeping it for themselves for their customer calls to start again? If you think about a bank that services Walmart, they want to have enough coin in their inventory to deliver to Walmart for their registers. They don’t want to disappoint Walmart. Nobody wants to disappoint their retailers.”Banks are the largest recycler of coins. They, like the rest of us, are watching, waiting, to be able to resume normal routines. When we asked what's next, Gaherity said, “That is the question of the day. How do we get the right supply to meet the demand that’s out there? What we’re asking Americans is come out and do your normal transactions, go to a Coinstar, go to a bank and make despots so we can see recirculated coin fill the pipeline enough for the demand we have.”The good news he says, is that the European Coinstar Operations are back online and normal. 3923

The Lancaster County District Attorney’s Office announced Friday that a suspect has been arrested and charged in connection to the disappearance of an 18-year-old Amish woman in Pennsylvania.Justo Smoker was arrested on Friday by East Lampeter Township and charged with felony kidnapping and misdemeanor false imprisonment, the DA's office said in a press release. 372

The Justice Department has dropped its case against a woman who laughed out loud during the confirmation hearing for Attorney General Jeff Sessions, ending months of legal wrangling.The woman, Desiree Fairooz, was protesting with Code Pink, a progressive group whose activists are regularly seen around Washington. She was arrested by a Capitol Police officer after audibly laughing during Sessions' confirmation hearing in January.But prosecutors filed a "nolle prosequi," or notice that it would no longer pursue charges, with the DC Superior Court on Monday.She had been prosecuted by the DC US Attorney's Office and had been convicted of a misdemeanor before a judge threw out the conviction in July and ordered a new trial. The government had decided to retry the case after Fairooz rejected a plea deal, and a trial date had been set for next week.Fairooz tweeted the notice was a "relief" Monday night."Just received this, "Governments Notice of Nolle Prosequi" What a relief! Guess they've got enough "laughing" matters to deal with!" she tweeted.The US Attorney's Office declined to explain what had changed."The US Attorney's Office for the District of Columbia yesterday filed a notice dismissing the case involving Desiree Ali-Fairooz," said spokesman Bill Miller. "The US Attorney's Office typically does not discuss charging decisions, and has no comment on the decision to dismiss this particular case."The original arrest happened after Fairooz laughed after Alabama Republican Sen. Richard Shelby told senators at Sessions' confirmation hearing that his former colleague had a record of "treating all Americans equally under the law."Her laughter lasted a few seconds and Shelby continued with his speech without acknowledging the disturbance.Fairooz's attorney said in a statement his client is "relieved and happy" about the result."Yesterday the government dismissed the case for reasons I can only speculate about. And which I may never fully know (though I have various theories)," Samuel Bogash said in an email. "Though as her lawyer I would have preferred a 'not guilty' at the first trial, I'm happy for Ms. Fairooz." 2156

The number of Americans applying for unemployment benefits fell last week to a still-high 712,000, the latest sign that the U.S. economy and job market remain under stress from the intensified viral outbreak. Thursday’s report from the Labor Department said that initial claims for jobless aid dropped from 787,000 the week before. Before the virus paralyzed the economy in March, the number of people applying for unemployment benefits each week had typically amounted to roughly 225,000. The chronically high pace of applications shows that nearly nine months after the pandemic struck, many employers are still slashing jobs. 636