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Amid all of the retail chaos and change of 2020, at least one thing remains the same: the biggest sale day of the year.Black Friday — the day after Thanksgiving — has a reputation as the best time of the year to buy just about anything.But even though Black Friday still exists in 2020, it won’t be the same experience as before. Our guide can help you get the best bargains this Nov. 27.Buy: TelevisionsLow-priced electronics deals are a given on Black Friday. That won’t change this year.Last year, Target sold a 65-inch TV in stores for only 9.99. Walmart, too, had a 65-inch TV for just 8. This Black Friday, you’re guaranteed to find discounts on TVs, as well as tablets and laptops.As for some stocking stuffers to go along with your new TV, you’ll find video games, CDs, DVDs and Blu-rays deeply discounted from their original prices. In 2019, Walmart had over 50 movie titles for .96 apiece.Skip: ToysHistorically, it’s best to wait until closer to Christmas to purchase dolls, action figures, play sets and other toys. You run the risk that certain items will sell out, but you may also be able to find bigger savings on what’s left.In past years, select toys have been on sale for as much as 50% off in the final days before Christmas.Buy: Apple productsThere’s a specific electronic brand that’s popular on Black Friday: Apple. Major retail stores such as Best Buy, Target and Walmart discount Apple products each year, and previous-generation models usually see dramatic deals. These offers may include price cuts, free gift cards with purchase (up to 0 with a qualifying phone purchase on an installment plan), or a combination of both.Target devoted an entire page of its 2019 Black Friday ad to Apple. The Apple Watch Series 3 (GPS) started at 9.99 (regularly 9.99), and select App Store and iTunes gift cards were buy one, get one 30% off.Apple discounts likely won’t disappear this Black Friday. In fact, Apple items have already been on sale in pre-Black Friday sales. Keep an eye out for deals on MacBooks, iMacs, iPhones, iPads, Apple Watches and Apple TVs.Skip: BeddingYou’ve got the entertainment center covered, but hesitate before stocking up on supplies to refresh the look of your bedroom this Black Friday.Every January, retailers such as Overstock, Pottery Barn and Sears host “white sales.” During these seasonal promotions, discounts on bedding, pillows, towels and linens can hit up to 70%. Expect these to come around after Jan. 1.Buy: Gaming systemsBlack Friday is big for gamers. This year, look for savings on video game systems from retailers such as Best Buy, Walmart and GameStop. Expect deals on products from Xbox, PlayStation and Nintendo.You’ll also find particularly great offers on gaming bundles. These include the game console plus a combination of accessories or games.Skip: Winter clothingWinter clothing generally isn’t the best value on Black Friday. Retailers frequently offer big clearance sales on jackets when winter gives way to spring.But if you need something to keep you warm before then, you’ll be able to find some bargains this Black Friday. Year after year, department stores like to offer doorbuster deals on women’s boots with select pairs for just .99 each.If you miss Black Friday, don’t worry. Department stores and clothing retailers have been rolling out new sales almost daily.Buy: Christmas decorBlowout post-Christmas clearance sales happen every year on Dec. 26 as shoppers make their way to the store to return gifts. Christmas decorations, wrapping paper, tinsel and other seasonal trimmings reach super low prices (for obvious reasons). Prices also drop in the final weeks before Christmas.For those reasons, Christmas decorations used to be on our list of items to skip on Black Friday. But this year, it’s less likely you’ll be at the mall shortly before Christmas. And waiting to order online could spell shipping delays.So if you need decorations, consider scooping up deals on artificial trees and rolls of wrapping paper from home and craft stores on Black Friday. That way you’ll have your essentials in time for Christmas.Skip: Outdoor itemsOutdoor products, grills and patio furniture were already deeply discounted immediately after summer ended.If you didn’t pick up these products at the close of this summer, wait until Memorial Day and Labor Day sales roll around next year. Another viable option is the Spring Black Friday Sale that home improvement store Lowe’s usually holds each year.Buy: AppliancesBlack Friday brings big savings on washers, dryers, refrigerators and other kitchen appliances. Retailers typically mark down home appliances by 40%. Look for similar deep discounts again this year.You’ll find smaller appliances such as coffee makers, mixers, blenders or vacuum cleaners on sale, too. Expect deals from department stores such as Kohl’s, Macy’s and JCPenney.Shop: OnlineFor the ultimate combination of convenience, safety and savings, spring for online shopping. With so many stores closed on Thanksgiving, big-box retailers are bringing their doorbusters online this Thanksgiving and Black Friday.Online shoppers will usually enjoy free shipping. Or, you can choose to make your purchases online and pick them up at the store.More From NerdWalletHow to Get the Best Lowe’s Black Friday 2020 Deals13 Ways to Leave Scammers Empty-Handed This Holiday SeasonHow to Shop Black Friday Deals OnlineCourtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. 5530

As businesses continue to gradually reopen, visiting some may come with more risk of coronavirus exposure than others.Dr. Daliah Wachs broke down the COVID-19 exposure risk of various establishments.Medium risk for COVID-19 exposure are places like hair and nail salons, according to Dr. Wachs.“You’re right there up in their face, waxing their eyebrows, you can’t do that 6 feet social distancing,” said Dr. Wachs.According to new COVID-19 guidelines from the Centers for Disease Control and Prevention, people should wait in their car until their hair or nail appointment, and to pay by phone.Medium risk of exposure locations also includes sit-down restaurants, grocery stores and the doctor’s office, according to Dr. Wachs.Dr. Wachs says a doctor’s office can pose a danger due to a higher concentration of sick people being in one place.Inching closer to the highest risk locations are spots like bars, casinos and gyms.“You’re exhaling a lot, so gyms need that extra social distancing, much more than six feet,” said Dr. Daliah.The CDC advises those in gyms to wipe down equipment with disinfecting wipes, and to wear a mask if the workout is low intensity.When it comes to high risk of exposure, Dr. Wachs says parents should be mindful of day care facilities.Another high-risk spot is the Department of Motor Vehicles, according to Dr. Wachs.“You start to come up on the person ahead of you, you almost mentally try to move yourself closer. To keep that 6 feet distance and to see that desk far away, I think the DMV because of how busy they are, and how we don’t have enough of them,” said Dr. WachsThis story was originally published by Austin Carter at KTNV. 1678

As health system budgets continue to recover from deep losses caused by the COVID-19 pandemic, questions are being raised about why hospitals with billions in reserves still received hundreds of millions of dollars through taxpayer bailouts.As part of the CARES Act in April, the federal government infused billions of dollars into the economy, with much of the money going to hospitals across the country.“The CARES Act basically said hospitals had to apply for money and had to demonstrate need,” said Robert Berenson, a fellow at the Urban Institute. “That was completely ignored under the pressure to get the money out the door.”According to COVID Stimulus Watch, Beaumont Health System received more than 3,377,370 while McLaren Health System took in 6,502,427. Henry Ford Health System reports receiving 0,538,048 through the CARES Act. Spectrum Health collected 9,000,000.According to the health systems’ most recent quarterly financial filings, each had billions in cash and investment reserves.At the end of March, Beaumont reported .05 billion in cash and investments, McLaren had .18 billion and Henry Ford had .25 billion.Spectrum Health, based in Grand Rapids, reported the most: .2 billion in cash and investments — enough to run the health system for 246 days.Berenson, who studies healthcare costs, said the vast revenues should have been utilized, at least in part, to offset costs that were shouldered by taxpayers.“What’s the purpose for not-for-profit hospitals to have large surpluses, other than for this kind of an emergency?” he said.Without question, all of the hospitals saw significant losses in revenue due to elective procedures being canceled and increased expenses in security and scarce personal protective equipment.Each of the health systems stresses that while they appreciate the federal grants, they will not cover all of their losses.Beaumont, McLaren and Spectrum all declined on camera interviews, but Henry Ford’s Health System CFO Robin Damschroder agreed to an interview."It was critical for us to be able to pay payroll, buy pharmaceuticals, pay our utility bills," Damschroder, who leads the Michigan-based system said. "If we didn’t have those accelerated loans, we would have been going out on our credit lines very, very quickly in an effort to keep everything moving."Damschroder estimated the hospital will have lost 0 million due to the pandemic, and is bracing for a second wave to slash revenues further.“We’re anticipating a wave two. We are unclear given the amount of money that’s been given out today whether there will be more money,” Damschroder said. “So if the second wave were as big as the first, or half of the first, you can imagine that Henry Ford is going to have to look to those reserves then.”Grants to hospitals weren’t based on need, but rather on past revenues. It prioritized large health providers first, and smaller, more rural hospitals last.North Ottawa Community Health System in Grand Haven, Michigan, a small hospital with under 500 employees, was struggling well before the pandemic and was late to receive any federal funds after it took hold.“It has shown the light about the inequities of hospital funding,” said Jennifer VanSkiver, chief communications officer for the health system.In total, the health system received .2 million through the CARES Act, not enough to offset .7 million in losses.“With smaller hospitals,” VanSkiver said, “you don’t typically have huge cash reserves or the ability to forever rely on investment income.”Niall Brennan, the CEO of the Healthcare Cost Institute in Washington, doesn’t blame Michigan hospitals for accepting the federal funds because they all lost significant revenues. Back in April, he said, no one knew if the surge of COVID-19 patients would last weeks or months.But where he does fault hospitals is for accepting federal funds and still furloughing or laying off employees. Beaumont furloughed nearly 2,500. Henry Ford furloughed 2,800.McLaren and Spectrum also furloughed employees, but the final numbers were not publicized. Both released statements."McLaren has taken decisive action to stabilize its operations and protect its financial strength during the pandemic," said spokesman Kevin Tompkins in an e-mail."We’ve focused our resources, reduced expenses and boosted our liquidity to ensure we have adequate cash on hand to support normal operations and the increase in COVID-19-related cash obligations that will extend well into 2021. Unfortunately, this pandemic is far from over," he said."The financial impact of COVID-19 is far-reaching and will suppress our health system’s revenues for the remainder of the year, which will end in a loss," said Spectrum Health spokesman Bruce Rossman. "This makes financial adjustments imperative. The most difficult adjustment involved the furloughing of team members and the elimination of positions that would not be needed in the future. These were roles that did not involve direct patient care."Beaumont did not release a statement..“Maybe a CFO can look at the bottom line and say look, we’re not utilizing these people and therefore they need to be furloughed,” Brennan said. “But this was an extraordinary time for our country, and if an organization could afford to keep their workers paid, I think they should have made every effort to do so.”Each of the hospitals said furloughs were necessary to ensure they’d survive longer than just the next year. Most furloughed employees have returned to the workforce."When people start to read about the reserves that certain facilities have or the profits that certain facilities are making or the furloughs that certain facilities are engaging in,” Brennan said, “people sort of question the optics.”This article was written by Ross Jones for WXYZ. 5825

Are you a master of cryptocurrency? Are you tired of mining for money and looking for something to take your mind off of it?You're in luck, a Las Vegas strip club is accepting Bitcoin and making it easy to use the currency inside of the club.The Legends Room is located near Twain Avenue and Valley View Boulevard and is one of the first strip clubs to go crypto. The club has an in-house Bitcoin ATM, which allows customers to purchase Bitcoin on site.The ATM is great but Bitcoiners will really be excited to learn that the dancers will wear temporary tattoos that can be scanned by an iPhone for tipping purposes.Why make it rain when you can make it code? 672

An 18-year-old Nebraska student was arrested earlier this week after police say he threatened to shoot classmates that joined a nationwide movement to walk out of classes in support of gun control.Nicholas J. Scott, 18, a student at Bellevue West High School, was arrested Thursday and booked into the Sarpy County Jail on felony charges of making terroristic threats of violence and possession of a destructive device.Bellevue Police had been investigating a verbal threat reportedly made Wednesday about shooting students at the high school who participated in a planned student walkout as part of a nationwide student protests against gun violence in schools.Police said Scott had been taken out of school by a parent before officers were able to speak with him, according to the press release. But Scott was later contacted and agreed to meet with officers on Thursday. It was at this meeting that he was arrested, the release states.Officers later conducted a search of Scott's bedroom as part of the investigation, finding "various unassembled materials that are commonly known to be used in the manufacturing of explosive devices," which were seized by Bellevue Police as evidence, the release states.Scott remains in the custody of the Sarpy County Jail."The (Bellevue) Police Department would like to publicly thank those who came forward with the information regarding this case," the release states. "The safety guideline of 'Hear Something, Say Something' played an extremely important role in quickly bringing this incident to a safe resolve." 1654