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The pandemic has not deterred people from spending money during the holidays this year.According to Mastercard SpendingPluse, holiday retail sales were about 3% higher in 2020 than they were a year ago.“American consumers turned the holiday season on its head, redefining ‘home for the holidays’ in a uniquely 2020 way. They shopped from home for the home, leading to record e-commerce growth,” said Steve Sadove, senior advisor for Mastercard and former CEO and Chairman of Saks Incorporated said in a press release. “And, consumers shopped earlier than ever before. Across our expanded 75-day holiday shopping season, sales were up 3.0%, a testament to the holiday season and strength of retailers and consumers alike.”Mastercard said that between Oct. 11 and Dec. 24, online spending was up 49%, with sales on furniture and home improvement items also seeing an increase.Online furniture sales grew 31% compared to last year, and home improvement items were up 79%, Mastercard said.Sales for department stores and clothing brands were down this year, with apparel declining 19% and overall sales at department stores fell 10%. 1137

The proposal was perfect. You’ve told friends and family the exciting news and shared pictures of the sparkly new ring on Instagram. Now it’s time to plan the wedding. Setting a realistic budget is a smart first step.But throwing out a number is one thing; sticking to it is the hard part. According to The Knot’s 2017 Real Weddings Study, 45% of couples who married in 2017 reported spending more than they had planned.“The last thing you want to do is begin your formal life together with a lot of debt because you were under pressure to have a certain type of event that you didn’t want and couldn’t afford,” says Marguerita Cheng, a certified financial planner at Blue Ocean Global Wealth in Gaithersburg, Maryland.It’s important to discuss what you’re comfortable spending and research wedding costs. Here’s how to make a budget you can commit to.Add up your funds 892

The NBA’s player representatives have voted to support the notion of starting this coming season on Dec. 22, the date that the league has been targeting in its talks about how and when to get teams back on the floor for a planned 72-game season. The player vote is just one part of the process. Among the primary matters to be determined: how much more escrow will be taken from players because of the shorter-than-usual season, and how the league and the players will navigate testing and other health and safety issues amid the ongoing coronavirus pandemic.The 2019-20 season ended more than three months later than normal because of the coronavirus."The Board of Player Representatives of the National Basketball Players Association (NBPA) has tentatively approved a start date of December 22, 2020 for the 2020-2021 NBA season and a 72-game schedule. Additional details remain to be negotiated and the NBPA is confident that the parties will reach agreement on these remaining issues relevant to the upcoming season," the NBPA said in a statement. 1059

The mother of Breonna Taylor wrote an open letter to President-elect Joe Biden calling on him to make criminal justice reforms and to open federal investigations into several high-profile police-involved deaths.“For many Americans, a vote for you was a vote for Breonna, Jacob Blake, Casey Goodson and so many others who have been failed repeatedly by the criminal justice system under the current administration,” Tamika Palmer wrote. “These victims could not vote for you – so millions of us did so on their behalf.”The letter was a full-page ad in the Washington Post Tuesday, and was reportedly paid for by the Grassroots Law Project.Palmer’s daughter was killed in March when Louisville police fired dozens of rounds into her apartment in an early morning warrant search.Shaun King, co-founder and Executive Director of Grassroots Law Project, shared an image of the open letter, saying Palmer “not only calls on Biden to prosecute the officers who murdered Breonna, but to bring about the change & justice he promised her.” 1041

The political and judicial world were turned upside down on Friday following the death of Justice Ruth Bader Ginsburg. While many questions remain in Washington, like whether President Donald Trump has the votes to replace Ginsburg before the election, one thing is clear: issues will come before the Supreme Court very soon.HEALTH CARE ARGUMENTS IN NOVEMBERWhile election issues are expected, the future of the Affordable Care Act is an issue guaranteed to come up before the Supreme Court soon. A hearing is set to take place one week after the election regarding whether the law can be struck down. Essentially, Republicans from around the country believe that the only reason the Supreme Court upheld the law in 2012 was because the opinion said Congress has the power to tax. Since that time, however, Trump has removed the tax penalty for not having health insurance. The thinking from some conservatives is that since the tax penalty is gone, the entire law can be struck down now, too. WHERE THE COURT STANDS Prior to Ginsburg's death, the general thinking was that the law would still stand. It faced a challenged in 2012, but Chief Justice John Roberts sided with four liberal justices to uphold it. With Ginsburg's passing, there are only three liberal justices on the court. If Roberts joins the liberal justices it would create a 4-4 tie. "If there is a 4-4 split on the court, then no precedent is set and whatever the lower court decided stands," Professor Paul Schiff Berman with George Washington University said. That would mean parts of the Affordable Care Act can be struck down since lower courts have already ruled in that way. If Trump is able to get another nominee on the court before the hearing, it would only make the court more conservative. Berman cautioned though that other conservatives could potentially join the liberals on this case since the lawsuit's legal standing is murky. Still, the future of the Affordable Care Act is in more jeopardy today than it was last Thursday. 2020