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It was back in March when cleaning items started disappearing from grocery stores, in the initial pandemic panic.Remember the runs on toilet paper? For three months, you couldn't find any.But here we are, six months later, and many items are still in short supply."Sometimes bleach, and paper towels," one grocery shopper told us. "Clorox wipes we cannot find," another said.But disinfecting items are just the beginning of the waves of product shortages that have hit during this year of COVID-19, and much of it has nothing to do with panic buying.So we checked into 10 things still in short supply, and why they remain so elusive.1. Lysol and Clorox wipesNext to hand sanitizer (which is now readily available), disinfecting wipes remain the Holy Grail of grocery items these days.But with hospitals, schools, and businesses snapping them up by the truckload, grocery shoppers will be among the last in line to get them as long as the pandemic rages.You can add Lysol, Clorox bathroom cleaner, Scrubbing Bubbles, and Formula 409 to the list, for the same reasons.2. Paper towelsUnlike toilet paper, which is now readily available, paper towels remain hard to find.Paper producers devoted the summer to increasing toilet paper production, and now there is almost too much. Some stores put toilet paper where cleaning products used to be to fill empty shelf space.But paper towels are bulky to ship, and manufacturers have not increased production as much, according to the Wall Street Journal. So don't expect much to change soon.And they are as in-demand as all cleaning products.3. Yeast and baking flourThe springtime lockdown saw millions of Americans turn to baking, and that in turn led to huge shortages of baking products. Luckily, these shortages are just about over, as we return to bakeries and restaurants.4. Canning jars and lidsWith worries of food shortages that never happened, millions of people started growing tomatoes and other vegetables that now need to be harvested and canned.The result: an uncanny shortage of canning supplies that is expected to linger through the winter. Expect to pay a lot for canning lids, especially.5. BicyclesThis may be the biggest shortage of all, next to Clorox wipes.Beth Tessler was shopping for a bike recently. But the showroom floor was empty, save for small children's bikes and high-end racing bikes, leaving her stunned by the prices."The cheapest bike we found was ,000," she said. "The most expensive was ,500."Store manager Terry Powell said mid-priced Bianchi and Schwinn bikes are on back order."Demand has been through the roof this year," he said. "A lot of people have been pulling old bikes out of barns and garages and trying to get them fixed up because they can't find the bicycle they are looking for."6. Swimming poolsJust like with bicycles, stay-at-home orders meant people needed activities to do at home. So all spring, they snapped up above-ground and in-ground pools.You now may have to wait several months to have an in-ground pool installed.7. AppliancesWhen it comes to appliances, things are not as tough as finding a bicycle. But still, if you are looking for a specific French-door fridge with two drawers and water in the door, you might have to settle for something else.Jeffrey Boggs owns an appliance shop where every day he deals with customers frustrated by kitchen appliances on back order."It started with freezers, and it's gradually getting into every appliance," he said. "Microwave, range, everything is difficult to get right now." He blames two factors: plant shutdowns this spring, and shipping delays from China.He said you can find a fridge or washer if you need one, but don't have your heart set on one particular model.With factories up to full steam again, he expects supplies to rebound this fall.8. Laptops, children's desksYou can thank remote, Zoom learning for this shortage. Inexpensive laptops and Chromebooks are very hard to find, as parents and schools snapped them up all summer.Stores predict shortages should ease by Black Friday. Until then, be careful buying from unknown web sellers.9. CoinsIf you have been Krogering the past two months, you probably have seen signs warning of a coin and change shortage, but it's more than an inconvenience.Jamie Lusk owns a laundromat. He struggles to keep quarters in stock."My customers use quarters to run these machines," he said. "And when I can't go to the bank to purchase quarters, then they can't run the machines."10. Beer and Coke cansThis one is not a current shortage that is just starting to get worse: aluminum cans are in short supply.Craft brewer Scott LaFollette is concerned about the sudden aluminum can shortage, which is forcing breweries to wait longer and pay more for their shipments."It is just in the beginning stages, so it's probably going get much worse before it gets better," he said.The good news: there is no shortage of beer, and if you don't mind glass, there is plenty of beer to drink.You might need a drink just keeping up with all the new shortages that seem to pop up every week.As always, don't waste your money.___________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 5439
In the 45 weeks since the year began, 43 law enforcement officers across the US have been shot and killed in the line of duty, including a sheriff's deputy responding to a mass shooting at a bar in California this week.The parameters CNN followed in this count are: 273
INDIANAPOLIS — She wasn't the first woman in motorsports, but Danica Patrick has clearly left a large impact on the sport. From becoming the first woman to win an IndyCar race to making the jump to NASCAR where she stole the headlines by winning pole for the 2013 Daytona 500, Patrick's career has been nothing to scoff at. This year's Indy 500 will be bittersweet for Patrick, who announced last year that she'll be retiring after the race. But at 36-year-old, this is far from Patrick's final chapter. From her cookbook and clothing line to her wine-making in NAPA, she has a lot of love left to give to this world.Watch the video player above to hear more from Patrick on what life has in store after she retires from racing. 778
In general, using as little of your credit card limits as possible is better for your score. So logic would suggest that paying off your credit cards early so that a zero balance is reported to the credit bureaus would produce the highest scores, right?Turns out, having 1% of your credit limits in use may help your credit score even more than showing 0% usage. Counterintuitive as it is, that’s how credit scoring works.Why 1% is better than 0%Credit scoring systems are designed to predict how likely you are to repay borrowed money. The two biggest credit factors — accounting for about two-thirds of your score — are paying on time and the amount you owe.Credit utilization, or the percentage of your credit card limits you use, is one of the biggest levers you can pull to affect your score, and it works quickly: Your utilization changes as soon as card issuers report your new balances to the credit bureaus each month.If you are trying to squeeze every possible point from credit utilization, the trick is to aim low — just above zero. Credit expert John Ulzheimer says that data has shown that 1% credit utilization predicts slightly less risk than 0%, and scoring models reflect that.Tommy Lee, principal scientist at FICO, one of the two dominant credit scores, explains it this way: “Having a low utilization indicates you are using credit in a responsible manner.”How to shoot for 1%If you’re aiming for a perfect 850, or are close to qualifying for a lower interest rate on a loan, shooting for 1% might help you gain a few points. You could aim to zero out your credit cards, knowing that your regular use of the cards will keep some small percentage of your limit in use.Ulzheimer, who has worked for credit bureau Equifax and credit scoring company FICO, explains how: “If you can pay off your balance in full by the statement closing date, then you’ll get a statement with a zero balance and that’s what will appear on your credit reports.” Or, you can pay off a card in full by the due date and stop using the card entirely for the next billing cycle to get to a zero balance.“But 1% could be better if you can pull it off,” Ulzheimer says.You could do that by using the AZEO (all zeros except one) strategy to get every credit card but one to a zero balance. Because credit utilization is calculated both overall and per card, you may want to use your highest-limit card as the one that will have a statement balance. Simply add all your credit limits together, and figure 1% of that.You can also try paying online as soon as a transaction posts to keep the balance low. Or, use a personal finance website or your card issuer website to check your credit utilization weekly. Then make a payment to bring it down, rather than waiting for your monthly statement.What if I can’t make it to 1%Keeping utilization under 10% is another worthy goal. Lee says that the top 25% of FICO credit scorers use about 7% of their credit limits. If you pay on time and keep balances low relative to credit limits, your scores will generally be high.Ulzheimer points out that if you are fretting over whether you want a credit utilization of 1% or 0%, it’s worth noting that either is excellent. And it’s entirely possible to score a perfect 850 without the elusive 1%. How that works is part of the “secret sauce” that scoring companies do not reveal.How to get and keep a high scoreNothing is more important to your score than paying bills on time. The scoring penalty for a missed payment is severe, and a payment that’s 30 or more days late can stay on your credit report for up to seven years.Also, use cards lightly and keep balances low to keep your credit utilization low.In addition, keep an eye on the other factors affecting your credit score:Check your credit reports for errors (you can access them by using AnnualCreditReport.com).Keep credit card accounts open.Aim to space credit applications about six months apart.Use both installment credit (loans with level monthly payments) and credit cards.And monitor your credit — regular checkups are part of staying financially healthy.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletWhat to Do When Your 0 Weekly Unemployment Check ExpiresIs That ‘Contact Tracer’ Really a Scammer? How to TellWhat to Do With Your ‘Treasures’ the Kids Don’t WantBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4475
In one of the most divisive political seasons in U.S. history, finding common ground has been a challenge. But one activist decided to put rubber to the pavement in the hopes of finding what connects us.Seth Gottesdiener recently embarked on a cross country odyssey on his bicycle.“It's my preferred method of transportation and I find it really meditative,” said the avid cyclist. “It's one of my favorite things to do athletically outdoors.”The 33-year-old social justice activist mounted his two-wheeler back in late September for what he called "The Great American Bike Ride."“I thought why don't I bike across America and talk to people,” said Gottesdiener. “I'll talk to just denizens of the country and see where they're at and see how this year has affected them and their opinions.”The 45-day journey began in Los Angeles. His plan was to pedal his way through 22 cities and 13 states, concluding his expedition in the nation’s capital on Election Day.“I was not prepared for the great Southwest,” he said. “It was very intense. It was very unrelenting. The heat was over 100 degrees a lot of the days, giant mountains, really dry.”All along the way, Gottesdiener met with Americans from all walks of life. He interviewed them as part of a feature documentary.“I want people to hear voices that they would have never come encounter with on their own. I want to connect Americans together.”The ride also took him on a journey of self-discovery.“There’s parts of the country that I hadn't ever seen before, like Arkansas, like Kentucky, and a lot of Tennessee. And it was beautiful,” he said.It was also an opportunity, he says, to gain a better understanding of fellow citizens bitterly divided by politics. He hopes the journey reminds one another of the human spirit that connects us all.“Be there for each other. Help each other. Pull each other up by the bootstraps, rather than be so divided as we've seen this year.”One of the questions that Gottesdiener asked people on his journey was: “If there's one thing you could say to all Americans right now, what would it be?”He knows what he would say.“I would just say ‘Listen.’” 2147