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I haven’t set foot in a grocery store in nearly four months.With a 10-month-old baby to think about, my husband and I have kept trips to the store to a minimum out of an abundance of caution during the pandemic. We’re fortunate to have just about every grocery delivery service at our disposal — and we’ve taken advantage.In between orders from Costco, Whole Foods, Imperfect Foods and more, I’ve noticed our virtual shopping habit is changing how we budget. We’re accounting for new grocery-related expenses. We’re also more deliberate about what we buy.Here’s why online grocery shopping could affect how much you spend — and ways to keep your budget intact.MarkupsYou could pay more online than in the store for the exact same item. That’s because some delivery services, or the retailers they partner with, inflate grocery prices to cover fulfillment costs.On Costco’s website, I was met with the message “item prices are marked up higher than your local warehouse. Instacart uses the markup to pay for their delivery service.” The exact price difference wasn’t specified.Same-day delivery service Shipt says its members can expect to pay about more on a order online than in the store. Plan that you will spend a few extra bucks every time you buy groceries online.Extra chargesAt the grocery store, the price you see is typically the price you pay. But online, fees for delivery, service, alcohol, memberships and subscriptions could be tacked onto your bill. Extra charges could range from a couple dollars for a service fee to about a hundred dollars for a membership.“You’re spending more money because it’s a service,” says Jennifer Weber, a certified financial planner in Lake Success, New York.How you use that service can also affect the cost. Often, you’ll pay a premium for quicker or high-demand delivery times. Then, there are tips. Tipping, while optional, is a simple way to support the workers risking their health to provide you with an essential service. Many grocery services set a default tip, so make sure to pick the amount you prefer.SubstitutionsItems could be unexpectedly out-of-stock, incorrect or missing from your delivery. Certain services allow substitutions for unavailable inventory. However, that can come at a higher cost. When the conventional tomatoes I ordered sold out, I ended up with organic tomatoes for more.When using services that charge for pricier replacements, consider opting out of automatic substitutions or allocating a few extra dollars toward your grocery budget as a cushion. Inspect orders closely upon arrival as well and notify the company if you’re charged for forgotten or incorrect items.Impulse purchasesGetting your groceries while sitting in front of your screen isn’t all bad news for your wallet: 46% of consumers say they’ve made fewer impulse purchases since shifting to online grocery shopping in the spring, according to a survey from Magid, a business strategy and research company.“Careful planning and buying only what you intend to is a little bit easier to do online,” says Steve Caine, a partner with the retail practice of Bain and Company, a management consulting firm. “You don’t get influenced quite the same way as you do when you’re walking through a store.”With no enticing candy displays or cleverly arranged shelves to stroll past, you might fill your cart with fewer items. Plus, Caine says shopping online allows you to better keep a “running total” of your purchase, while in the store, you usually don’t know until checkout.Ways to watch your budgetOnline grocery shopping is here to stay for the foreseeable future. These strategies can reduce the strain on your budget.Make a list. Check your fridge or pantry and jot down what you need for the week. “You can think ahead and say, ‘I want to spend 0 or .’ Then, you can do price comparisons for those items,” Weber says.Compare grocery services. Try building a basket on a few different sites to see which offers the lowest price on items. Explore all the costs involved and look for coupons or promotions before checkout.Be flexible. Choosing curbside pickup can help you skip delivery fees, tips and other charges. But if you opt for delivery, note that one-hour or same-day windows could be more expensive. Giving yourself time to plan and pushing it to next-day or two-day delivery can reduce the cost, Caine says.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletWhy Taking Social Security Early Costs Too MuchHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpLauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. 4740

I am committed to continuing to do the hard work to build trust in our communities as we work toward police accountability and racial justice.— Governor Kate Brown (@OregonGovBrown) September 28, 2020 208

I asked what the issue was and he said my brother was "in the bushes" and it was "suspicious" and they thought he may have been homeless. I asked why I needed to show ID at my own home. He said "Well, it's not your home. The University owns it." (9/n)— Danielle Fuentes Morgan (@mos_daf) August 22, 2020 311

House Speaker Nancy Pelosi and Rep. Jamie Raskin, D-Maryland, introduced legislation Friday that establishes a Congressional commission that would be able to investigate a President's health under the 25th Amendment.While President Donald Trump's health has come into question following his COVID-19 diagnosis, Pelosi and Raskin insisted that while Trump's health prompted their bill, it would not be used to remove him from office.Instead, Raskin said the commission would be a bipartisan effort that would be set up in case the health of other presidents came into question.Passed in 1967, the 25th amendment to the U.S. Constitution spells out the presidential line of succession.The amendment has four sections:1- When a president dies or resigns, the vice president finishes the term.2- When there is a vice presidential vacancy, the House and Senate votes to confirm a replacement nominated by the president.3 - When a president needs to temporarily cede power, he or she can hand the duties to the vice president who then becomes the acting president.4 - The vice president and a majority of secretaries can vote to remove the president if the president is "unable to discharge the powers and duties of his office. The section also grants power to a body "established by Congress" to invoke the amendment and transfer power to the Vice President.Raskin said his bill would establish that "body" that could investigate the health of the president. For Congress to invoke the 25th Amendment, the Speaker of the House and the President pro tempore of the Senate must provide "written declaration" that the President is "unable to discharge powers and duties of his office." Sen. Chuck Grassley, R-Iowa, is the current President pro tempore and will unlikely make such a declaration. In addition, the President could object to the Congressional body's findings. Reports surfaced later on Thursday that the House is planning to introduce legislation to institute a commission to evaluate the president's health.Pelosi then criticized the White House for not stating the president last submitted a negative coronavirus.“I think that the public needs to know the health condition of the President. There’s one question they refuse to answer. Before he got the virus and admitted to it, when was his last negative test? When was his last negative test? To make a judgment on the actions that were taken after that,” Pelosi said.Editor's note: A previous version of this story incorrectly stated that Congress has no authority to remove the president under the 25th Amendment. 2582

If you're a pet owner, you know your furry friend can be expensive, especially when it comes to their medical bills. Last year, Americans spent billion at the vet. That's why more owners are now opting for pet insurance. But, is it worth it?"When you are presented with a ,000 bill for emergency surgery, you might only have to pay a couple hundred dollars," says Dr. Jessica Weeks, with BluePearl Veterinary Partner.   Routine care for a dog can be on average 7, and for cats, it’s around 2, according to the American Pet Product Association.  "Most people aren't prepared financially for those things that happen unexpectedly," says Dr. Weeks.Last year, there were 1.83 million pets insured, and experts say that number is climbing.   There are a few caveats with pet insurance, Dr. Weeks says. A majority of the plans do not cover shots and checkups. They only cover the big medical expenses, like treatments and surgery. Additionally, many plans will make you pay the bill in full and then they'll reimburse you after.   "There are similarities as far as pre-existing conditions,” says Dr. Weeks. “If your pet already has an illness and you try to get insurance, a lot of times insurance won't cover that."  That's why vets recommend you do your research. Dr. Weeks recommends owners with young pets get insurance.  As far as the best pet insurance goes, Consumer Watchdog’s top three picks include: Healthy Paws, Pet Plan and Embrace Pet Insurance.   "To be honest, when I have owners come in who have pet insurance, it's a huge relief on my part,” says Dr. Weeks. “So, I can offer standards of care of medicine and do the best that we can for those patients."  1756