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It’s that time, when stores offer up their best deals on the hottest items. Some of the advertised deals can even cause customers to stand in lines for hours and even camp out the night before the items go on sale. But this could be a big waste of time.“Don’t buy something just because it’s on sale,” says Kevin Brasler, the executive editor of the consumer watch dog group Consumer’s Checkbook.Brasler tracked sales and deals at 19 major retailers for nearly a year to find out which companies are telling the truth when advertising their sales.  "Most of these stores offering big ticket items are just offering the same deal they did before and the same deal they offered the next week,” says Brasler of his findings. “It wasn't a special price."  The worst offenders range from big box stores to high-end retailers. And with Black Friday around the corner, Brasler warns consumers to be cautious of those doorbuster deals, especially those early morning sales urging you to get up to get amazing deals on hot items before they go.   "There's for sure no reason to get excited about most of the items they are selling on Black Friday, because we found the sales they are offering then are just about the same as they otherwise are," he says.  Then there are those buy one and get one half-off sales. Brasler says these, too, are often a sham.  "These sales they just call them different sales; it's really rare that they have a super good price that you better grab right then and there otherwise it will go away forever,” Brasler says.  That's because the less expensive item is usually the one that gets the half-off deal. So, in reality, you're really not saving that much at all.Also, beware of going out of business sales.    "You're not offering them a special price; you're offering them the usual price," Brasler says.  Sometimes, the third-party liquidator prices the items higher than the original price. That’s what happened with Toys-R-Us closed.  "Even if it's illegal or not, it's sure dishonest," Brasler says.  Out of the 19 stores Checkbook.org watched, they said Costco and Bed Bath and Beyond were among the most trustworthy, but that's mostly because they rarely have sales. 2271

It's no secret that this is a challenging time for many, and the insurance industry is reacting to the new world we're in as a result of COVID-19.They're implementing everything from rebates and refunds to new policies.As many aspects of life are different now, motorists are traveling less and getting in fewer accidents. Recent events have also caused an increased interest in life insurance.“More customers are considering life insurance (as) an opportunity for us to help them recover from the unexpected around COVID,” says Kristyn Cook, senior vice president of agency marketing at State Farm Insurance.Interest in life insurance is swelling across the nation and being noticed industry wide. The Insurance Information Institute helps people understand insurance and what it does.Insurance Information Institute director Janet Ruiz said COVID-19 got people thinking.“I think they’re concerned and thinking about mortality and illness in the world,” Ruiz said. “It’s always important to have life insurance but sometimes people are so busy, they’re not paying attention to these types of needs they have whereas right now they’re looking at their financial picture and thinking, ‘Hey, I should have life insurance for my family and make sure they’re taken care of if something happens to me.’”And she says they have more time to prepare for catastrophe.For State Farm, that's helping people navigate what could happen in your region."There are very real significant risks relative to wildfires in California or hurricanes in Florida, or storms in general,” Cook said. “One of the things we pride ourselves on not just helping people recover when something happens but how to help them think about risk mitigation on the front end.”Cook says State Farm's 19,000 agents across the country are talking to clients about how to protect your home. Things like taking inventory, reviewing what kind of coverage you have and what you can do to structurally to protect your home. These are things, that before COVID-19, people would push off for a later date.“People are home and they have more time sometimes to think about the what if scenarios and that intersects with our reach out by our agents to say how can we help you," Cook said.Another big change is automotive coverage. Auto insurance customers policy should check their policies and reach out to their agents. Companies are sending refunds or rebates to customers due to changing driving habits.“We call it good neighbor relief program,” Cook said. “Payment flexibility, options relative to providing relief, we announced a dividend, a return of value to customers to the tune of billion recognizing they are doing less driving and there are fewer accidents.”Some are beefing up homeowner and renter policies, again, thinking about things as they're home and reviewing their properties.“If there’s a water leak, they’ll detect it quickly and get it fixed and they’re not having as much theft because they’re around the house and so you don’t have the thieves coming in while you’re at work,” Ruiz said.She also said most agencies are allowing you to put off payments for a month or two if you need a financial break. State Farm realizes that looks different for every customer and their unique situation. 3275

INDIANAPOLIS — Kohl's says an issue with their third-party payment system is to blame for holds on customer accounts, unfilled Black Friday orders and even some customers being charged multiple times.Bailey Webster said she ordered a gaming system online on Black Friday at Kohls.com. When she woke up Saturday morning, Webster says she had an email from Kohl's saying the order was canceled because the item was sold out. Instead of canceling the order immediately and returning her funds, Webster said Kohl's tried to re-charge for the item, which was still out of stock.  592

It was just a few days before Thanksgiving, when an 8th grader was shot and killed in Milwaukee, Wisconsin.Sandra Parks was sitting in her room watching TV, when a stray bullet came through the window.“She said, ‘Mama, call the police. I been shot,’” Sandra’s mother, Bernice, describes of that night. “She was laying on the floor. I thought she was playing, but I called the police anyway because I’m like that’s too many gunshots, what the hell is going on?”The 13-year-old’s award-winning essay is now being shared around the world and read on national news outlets. In the young girl’s essay, “Our Truth,” Sandra wrote about gun violence.Sandra’s words are now some of the only things her mom says she has left of her daughter.“I don’t have her flesh. I don’t have her smiling at me all the time. I don’t have what I want, and I want my baby,” Bernice says. “Ain’t nothing gonna make that better. It’s just that being in this house, since she been gone, it’s strange, scary, and it’s unacceptable.”Bernice says her daughter’s words are giving her strength as she prepares for the funeral. The mother hopes Sandra’s essay might prevent another family from going through the same pain.“The stuff that she wrote, people should listen to it. Heed to it. Follow it, because it’s only right that kids should live. Adults should live,” she says. “I don’t think nobody should die, not by the hands of body else for no apparent reason. She didn’t do nothing.”Police have arrested two suspects they believe were connected to the shooting.A public visitation for Sandra will be held Friday. 1596

INDIANAPOLIS, Indiana — The Indianapolis Zoo is facing it's second loss in less than a month after a female orangutan died on Tuesday.Kim was a 39-year-old orangutan who came to the Indianapolis Zoo with her infant, Max, back in 2016 from the Jackson Zoo in Mississippi. 283

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