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Back-to-school shopping is an expensive chore. And if you shop local sales, it’s a chore you’ll share with thousands of other parents in the vicinity. If it’s big savings you’re after when you brave the crowds, sales flyers won’t cut it. You’ve got to get creative.“Back-to-school shopping can put a big strain on family budgets, but planning ahead to take advantage of discounts, setting a budget, and only buying what your child actually needs helps your dollar go a lot farther,” says NerdWallet personal finance expert Kimberly Palmer.Going beyond the sales flyers in your savings efforts may take a bit more work, but it can pay off for your pocketbook and peace of mind.?More: How to save money: short and long term strategies 745

At a quick glance through her office, you might think Laura Packard was working on the campaign trail. But this small business owner is fighting to keep her own title: cancer survivor.“A little over three years ago, I walked into a doctor's office with a nagging cough and walked out with a stage four cancer diagnosis. Everything changed for me all at once,” said Packard.She underwent chemotherapy and radiation over a six-month period. “I lost all my hair. Some days, I wouldn't be able to get out of bed, and there was a lot of pain,” she recalled.After multiple surgeries and hospitalizations, she said her bills were really piling up. “I think it was near a million dollars,” said Packard of her medical bills.She says, thankfully, her insurance through the Affordable Care Act saved her in more ways than one.“I've been self-employed off and on for over a decade, and I used to have junk insurance, and if I still had that insurance today, I would be bankrupt or dead,” said Packard.However, she’s worried this level of insurance coverage won’t last with the recent Supreme Court confirmation and once the election results become final.“The day after my first chemotherapy was when Republicans in the House voted to dismantle the Affordable Care Act, which was keeping me alive,” she said.As talks of repealing the ACA gained ground, she moved hundreds of miles away from family to live in Colorado.“Colorado has pretty good state-level protections, but nobody should have to live like this. Nobody should have to be a health care refugee in their own country just to get care, and state-level protections can only go so far. What you need is a federal law to protect everybody.”She, like so many Americans, is wondering how she will pay for her coverage if her costs go up. Packard is fearful her health will suffer if she can’t afford her premiums.“My life is in the balance, but millions of Americans are in the balance, too.”She is worried those with pre-existing conditions won’t be able to get the care they need at a price they can afford.She is also concerned the individual mandate for health insurance will be taken away. With fewer healthy people paying into the healthcare system, the system cannot help cover costs for people who are sick.“My fear is that the rest of the affordable care act will tumble because we won’t be able to sustain it in its totality,” said Michele Lueck, president of Colorado Health Institute.Packard is just one of millions being helped by the subsidies the Affordable Care Act is founded on, and while she knows the Affordable Care Act could be improved, she hopes it will be the building block for even better care, instead of waiting years for a new solution.“I don't even know how many people will die if they succeed in destroying the Affordable Care Act, because people will lose their insurance and people will die,” said Packard.The struggle is something all Americans have endured this year. This cancer survivor is just hoping this election will bring a confirmation that her health is valued.“In a pandemic, it's more clear than ever that we're all in this together and we need candidates and elected officials that work for the greater good,” said Packard. 3224

As our country works to rebound, companies are managing the pressure of keeping workplaces safe.Employers are taking precautions ahead of Thanksgiving with concerns about the coronavirus spreading over the holiday.Companies are doing everything from issuing memos, reminding workers about the public health guidance on gatherings and travel, to asking workers to sign pledges they'll keep gatherings small.But there are limits to how much say your boss has on what you're doing outside of work.“They are allowed to inquire about what their travel plans might be, what their off-duty conduct might be and they can ask employees to disclose that information,” said Christine Lamb, an employment attorney with Fortis Law Partners.Lamb says many states prevent employers from discriminating against workers who are doing things outside of work that are lawful.But if you aren't following policies your work put in place for COVID-19, they can ask you to go through some type of coaching or counseling.Lamb advises companies against checking in on their workers on social media.“You might have an employee who is at a gathering of 50 people and they're not posting anything on social media. The employer might not know what's going on and another employee that posts a photograph of them with 10 people on social media, there's just a risk of that unequal application of the rules,” said Lamb.She says one thing employers should be thinking about now is what does next week look like for the company post-Thanksgiving. That includes having a plan for people to work from home if that's possible.One drug maker told the Wall Street Journal that it's offering workers a paid 2-week quarantine if they need it after the holiday, where they'll be expected to work from home. 1773

At Uptown Wines, Beer & Spirits, sales have surged since the COVID-19 crisis started and are expected to rise even more during the holidays.“Last time I’ve seen sales like this, it would be considered New Year’s, Thanksgiving and Halloween night,” said beer specialist Wiley Deerman.Deerman says with more people quarantined at home many started stocking up on alcohol to-go.“We’ve seen a lot of these half-sized bottles, the sales have increased on those,” he said.Now, new research from Vanderbilt University shows not only are more people drinking alcohol and abusing other drugs during the pandemic, but that this increase could create new addicts as well.“You’re seeing an increase in drinking, in drug use in people at home. When the pandemic’s over, this isn’t going to go away," said Erin Calipari, Ph.D., with the Vanderbilt Center for Addiction Research.Calipari’s team conducted the study, which shows addiction triggers during the COVID-19 crisis could make the holiday season even worse for many adults struggling with sobriety.To help fight this problem, Calipari says America needs the same kind of investment in battling addiction as is being put into solving the pandemic.“Addiction kills just as many people as the pandemic has this year and we haven’t done the same thing,” she said. “We’ve kind of, you know, funded it a little bit but we haven’t had this community investment and this kind of global revelation that this is a problem that we should be solving.”Without proper attention, Calipari predicts addiction cases will continue to increase across the country, even after there’s a cure for COVID-19.“This isn’t going to go away when we get the vaccine or solve the pandemic,” she said. “This is going to be a kind of long-term problem that we’re going to have to deal with as a society.”A very costly problem both in money and human lives.That’s why Deerman’s business focuses on more than making a buck, saying the best way to serve his community is to sometimes actually not serve them at all.“There’s times where we have to say, ‘Look, I think you need to cut back, take it easy. we care about you,’” he said.Care about stopping an addiction before it even starts. 2203

Astrophysicist and author Neil deGrasse Tyson has denied allegations of sexual misconduct made against him by three women.Last month, three women told Patheos, a religion and spirituality website, that Tyson harassed them and made inappropriate sexual advances as early as 1984 and in recent years."Accusations can damage a reputation and a marriage. Sometimes irreversibly. I see myself as loving husband and as a public servant -- a scientist and educator who serves at the will of the public. I am grateful for the support I've received from those who continue to respect and value me and my work," he wrote in a lengthy Facebook post titled "On Being Accused."Tyson disputed or offered a different version of the allegations against him.Katelyn N. Allers, an associate professor of physics and astronomy at Bucknell University in Pennsylvania, told Patheos that Tyson grabbed her arm and reached into her dress while looking at her tattoo of the solar system. She said the incident happened during a party after a gathering of the American Astronomical Society in 2009. 1081