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What are Apple’s Black Friday 2020 plans?As we all know, Apple doesn’t have “discount” in its DNA. While Apple tempts us with its latest technology, Black Friday deals often come from retailers clearing out last-generation inventory. Apple has introduced the iPhone 12 Pro and iPhone 12 Pro Max, but any discounts you find will likely be tied to contracts with carriers.All of which means you might have to do a little more work to find Black Friday deals on Apple tech. We’ve done some of that shopping reconnaissance for you.What are Apple’s Black Friday 2020 deals?Here’s what we know so far:AT&T is offering a credit up to 0 on an eligible smartphone trade-in with an upgraded or new line and the purchase of an iPhone 12.Best Buy will be offering discounts up to 0 on select MacBook Pros and up to 0 on select iPad Pros (through Nov. 28).Walmart will have AirPods Pro for 9 ( savings) and Apple Watch Series 3 (GPS) for 9 ( savings), both online only.Amazon hasn’t leaked any significant Apple discounts yet; off here, there. The best we’ve found is a 2017 model iPad Pro for 0.84 (.16 savings).How can you save money on Apple products?Here are a couple of ways to save on Apple products. First, with an Apple Card, you can get 3% cash back when you buy directly from Apple. You’ll also have the option to pay in monthly installments with zero interest charged, with approved credit.And iPhone or iPad owners can receive up to a 0 credit toward the purchase of a new Apple product with Apple Trade In.What were Apple’s Black Friday 2019 deals?Apple products are customer magnets during the holidays. Here are some of the Black Friday specials from last year:Apple offered gift cards ranging from to 0 with the purchase of select Apple and Beats products.HomePods were discounted to 9.99 (regularly 9).Target featured a 0 gift card with the qualified activation of an iPhone 11 or iPhone XS with Verizon or AT&T.Walmart sold the Apple Watch Series 3 (GPS) 38mm for 9 (regularly 9).More From NerdWalletSmart Money Podcast: The Holiday Shopping EpisodeIPhone Black Friday 2020 Deals: Are They Worth It?Cell Phone Black Friday 2020 Deals: Are They Worth It?Hal M. Bundrick, CFP is a writer at NerdWallet. Email: hal@nerdwallet.com. Twitter: @halmbundrick. 2332

When Sen. Bernie Sanders did this in 2013, he did it alone.On Wednesday, nearly four years later, Sanders introduced a new "Medicare for all" health care bill with a third of the Senate Democratic caucus by his side.Flanked at first by New York Sen. Kirsten Gillibrand and Connecticut Sen. Richard Blumenthal, Sanders called the costs of the current system "insane and unaffordable," promising that the average family would benefit financially under his plan "because you will no longer be writing checks to private insurance companies."For those whose taxes would go up, he added, "that expense will be more than offset by the money are you are saving with the elimination of private insurance costs." 710

Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647

While working to get out the vote, Amy Schumer revealed some exciting news on Monday.The actress is expecting her first child with husband, Chris Fischer.Schumer announced her pregnancy in an Instagram story about the upcoming midterm elections via journalist Jessica Yellin. Yellin shared some of Schumer's candidate recommendations for voters and directed followers to read to the bottom of a list where Schumer wrote, "I'm pregnant."Schumer, 37, teased the reveal in a separate Instagram post, sharing a photo of herself and her husband made to look like a pregnant Meghan Markle and Prince Harry.The couple married in an intimate outdoor ceremony in Malibu, California last February. Fischer is a James Beard award-winning chef and author.Beyond her work in film and television, Schumer is an advocate for equal rights and ending gun violence. Earlier this month, she was arrested as part of a demonstration against the Supreme Court nomination of Brett Kavanaugh. 996

When Sgt. Brian Maynard pulled over Laura and Jimmy Baker, he was preparing to deliver a ticket. Instead, the state trooper summoned an EMS team, which delivered the couple's baby girl on the side of North Carolina's US 64 highway.It all began Saturday night in suburban Raleigh when Laura Baker got in a minivan with her husband for a visit to the hospital to check on some contractions she'd been having. Then, 10 minutes into their drive, she suddenly went to labor."I said, 'I cannot control this, we're not going to make it there,'" Baker said.So when her husband spotted Maynard's patrol car, he did everything he could to get the officer's attention, speeding and flicking his lights."As soon as we pulled over, my water broke," Baker said. "And my husband jumped out with his arms up, saying, 'My wife's in labor and I really need help.'"All three knew they didn't have time to get to a hospital. Maynard called the EMS team in nearby Wendell but was prepared to do the job himself."I said, 'OK, well, we're going to do this right here, me and you,'" he told CNN affiliate WSOC.So Baker's husband and Maynard held the mother's hands and urged her to wait for the EMS team."My husband and the trooper were nervous, because they certainly weren't prepared," she said. And when the EMS team arrived, everyone realized they couldn't get Baker on a stretcher. So she delivered in the front seat of the van.It was this team -- as well as the trooper's assistance -- that Baker said she's most thankful for."Without them, I don't know how successful it would have been," she said. "It was maybe a five-minute experience, but a vital five-minute experience. [The EMS team] did everything to make sure it was sanitary and healthy."Baker was taking her baby, Halyn, home Monday and was planning on paying a visit to the EMS team that helped keep her infant daughter healthy throughout the delivery. She doesn't know much about the EMS crew, but she'll be looking for Charlie and Danny, who held her hands throughout the birth and walked her through every step."She was born outside in 40-degree weather, but she's a perfect, healthy little girl," she said. "They did everything perfect." 2198

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