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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 look on Seth Dixon’s face as he proposed to his girlfriend said it all, but not in the way you might think.According to a?post on wedding photographer Staci Dabney’s Facebook page, Dixon had taken his girlfriend, Ruth Salas, to Loose Park to ask her one of the most important questions in both of their lives."We've been dating for almost four years and we knew this day was coming," he explained. The setting was as picturesque as it gets. Imagine a beautiful wooden bridge stretching over a pond with gorgeous fall weather and lush greenery creating a dreamy background."I knew I wanted to propose (at Loose Park) just because it's kind of our spot," Dixon explained. "We just kind of fell in love with the park and the beauty of it."Of course, cameras were rolling as Dixon fell to his knee."Next thing you know, it's happening. I couldn't believe it," Salas explained. "At first, I was like, 'Oh my goodness. This is happening. He's on one knee.'" Excitement was written all over his and Salas’ faces, but their expressions soon turned to looks of horror.Dixon opened the little black box to reveal the ring… just before it flipped out of his hands, through a tiny crack in the boards of the bridge, and into that pond below."It ping-ponged through the crack and I hear it plop in the water," Salas said. "I didn't know what else to think but, 'Oh my goodness.'" ??????Friends of the couple got to work to try to find the ring, donning goggles and other swimming gear to search the neck-deep water for the lost band.Maddie Villareal, a longtime friend of Dixon, was one of the people who helped in the search."The bottom was the worst part because it was like slimy, muddy and there were sticks everywhere," she explained. "I know (finding the ring) was important to them. If it was me, I would hope they would do it for me."They sadly were not able to find it, so instead set up a GoFundMe page to help the couple purchase a new one.Amazingly, the couple now maintains a positive spirit following the incident."It's been a roller coaster. Emotions have been up and down," Dixon said. "After seeing the video over and over we just started laughing about it." Moving forward, the couple said the ring incident would add to the story of their relationship."We've been together for four years with ups and downs," Salas explained. "I'm not leaving him because of a lost ring." Dixon and Salas are set to tie the knot in October 2520

The home that served as the exterior to the hit show "The Golden Girls" is on sale in California for .9 million.According to the listing, the four-bedroom home was built in 1955 by award-winning Hawaiian architects Johnson and Perkins."Natural colors and textures create a tranquil atmosphere and sliding shoji screens, and built-in cabinetry subtly defines space," the listing stated. "Pristine original oak floors and the original turquoise, avocado, and yellow kitchen are among the beautifully preserved period details." 534

The Pac-12 has set Sept. 26 as the start of its 10-game conference-only football schedule. The Pac-12 announced three weeks ago it would eliminate nonconference games for its 12 member schools.. The new plan adds an additional cross-divisional game to each team’s slate and moves the conference championship game back two weeks to Dec. 18 or 19. That game was set to be played for the first time at the new NFL stadium in Las Vegas. It will now be hosted by the highest-seeded team.“From the onset of the COVID-19 crisis, we have been committed to prioritizing the health and safety of our student-athletes and all those connected to our athletic programs,” said Pac-12 Commissioner Larry Scott. “The schedule and plans approved today and path to return to competition are subject to public health orders and will be taken in accordance with the health and well-being guidelines developed by our Pac-12 Medical Advisory Committee. The schedule and return to play plans provide for maximum flexibility and the best opportunity to play all fall sports in an environment that prioritizes safety. At the same time, we will continue to evaluate the best available science, data and advice of public health officials as we make decisions and any required adjustments going forward.” 1284

The Lockport City School District thinks it could soon be a national model for school security. Superintendent Michelle Bradley said the district is installing 300 new security cameras loaded with a new high tech software. The software recognizes people who pose a threat, like terminated employees, sex offenders, suspended students, or someone carrying a gun. Then, it alerts police or school leaders. “It will add another layer of security to what we already have,” Bradley said. It will be the first security system of its kind in any public school in the United States. It will be installed in all 10 buildings owned by Lockport School District. Tony Olivo with Corporate Screening & Investigative Group, LLC is working with Canadian owned SN Technologies to get th\e high-tech system into more buildings in western New York.“We’ve actually been looking to deplore this type of technology in hospitals, health care organizations, as well as places like malls,” Olivo said. The new system is just part of the changes Lockport Public Schools have made to security recently. The school also just installed new doors and a sign-in system, which cost close to million dollars.The projects are being funded by the Smart School Bond Act of 2014 — a referendum allowing the state to give schools money for safety following the Sandy Hook shooting in 2012. More than 200 school across New York are on the waiting list for approval for funds from the act. The recognition system will be installed in Lockport schools over the summer. Leaders say this is just another layer of proactive security to protect their most precious values.  1709

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