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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 Phoenix Police Department says the ex-boyfriend of Kiera Bergman, a 19-year-old woman who has been missing since August 4, has been arrested for identity theft.Police say 23-year-old Jon Clark was being questioned in relation to Bergman’s disappearance when police found several items with the personal identification of other people as well as items indicating forgery in his vehicle.Clark was arrested Friday and booked into jail for 22 counts of aggravated identity theft and two counts of forgery.Police have given no indication that this arrest connects Clark to Bergman’s missing person’s case.Bergman was last seen at her home near on Aug. 4.According to police, Bergman never returned home after leaving and has not been seen or heard from since.Kiersten Bragg, Bergman's mother, says her daughter went to work that Saturday morning, and Clark picked her up but she never made it back to their apartment.Police still say her disappearance is considered suspicious, and they are still asking anyone with any information on her disappearance to call 480-WITNESS. 1085

The National Transportation Safety Board released a report Wednesday stating that the pilots were likely at fault with the August 2019 plane crash involving former NASCAR driver Dale Earnhardt Jr. and his family in Tennessee.The report stated that the pilot's approaching the runway at Elizabethton Municipal Airport too fast and the flight crew's decision not to abort the landing was the likely cause of the crash.The plane then bounce landed, causing a landing gear to collapse, and the pilots losing control of the airplane."Contributing to the accident was the pilot's failure to deploy the speedbrakes during the initial touchdown, which may have prevented the runway excursion, and the pilot's attempt to go around after deployment of the thrust reversers," the report said.Earnhardt's wife and child were also onboard the plane when it crashed.The agency said the pilot and co-pilot were not injured, and the three passengers sustained minor injuries.You can read the full report below: NTSB Earnhardt Jr. Report by Sarah Dewberry on Scribd 1058

The Human Rights Campaign on Sunday called for the Trump administration not to go forward with a rollback of protections for transgender people, following a report in The New York Times on a draft proposal."Setting a destructive precedent, the Trump-Pence administration intends to erase LGBTQ people from federal civil rights protections and eviscerate enforcement of non-discrimination laws," the group's president, Chad Griffin, said in a statement.HRC is among the nation's most prominent LGBTQ rights groups, and its statement Sunday called on Congress to pass legislation enshrining protections it says are at threat should the Trump administration go forward with the reported plan.The Times report said the Department of Health and Human Services is working to define sex under Title IX as solely male or female at birth, with no room for change. The proposal could formally be presented to the Justice Department by the end of the year, sources told the Times."Sex means a person's status as male or female based on immutable biological traits identifiable by or before birth," the proposal says, according to The Times. 1137

The number of empty apartments available to rent in Manhattan soared to its highest level in recent history this summer.There are more than 13,000 apartments on the market in the heart of New York City, according to a real estate report from Douglas Elliman and Miller Samuel. The group says this is the most inventory they have seen in Manhattan in 14 years of keeping track.July’s spike of 13,117 available units is an increase over June’s inventory of 10,789.For context, July 2020’s inventory is nearly 122 percent higher than last year; in July 2019 there were roughly 5,900 available apartments.The group also says July had the biggest year-over-year drop in median rent price in nearly nine years. The median rental price for an apartment in Manhattan, including anything from a studio to a 3-bedroom, was ,320 in July, and was ,595 in July 2019.The report also tracks the Queens and Brooklyn rental market. Both saw huge spikes in inventory, but none as large as Manhattan.Moving help website HireaHelper.com released results of a recent study on 2020 moving trends.Their study also found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. New York as a state had 64 percent more people leaving than moving in.Click here to see where people are moving to according to the study. 1415