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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

BALTIMORE — BALTIMORE, M.D. - It’s Cyber Security Awareness month and the FBI wants to warn people about potential scams, especially while so many are working and going to school virtually.One Montgomery County man, who wants to stay anonymous, was scammed out of thousands of dollars using a dating app and doesn’t want others to make the same mistakes."Emotionally, it’s like there are claws in you that you can't seem to get out," said D. For years, the man who we are calling 'D' thought he was in a caring online relationship, but just last month, he found out it was all a scam."I was a little lonely. I was needing some attention or I guess I just wanted some," said D.It started 5 years ago. Divorced, he had turned to date apps Skout and Meet Me to fill that emotional void and met Brandy Bowens from Canada. It seemed like an innocent relationship for a while, but then she started asking him to be the middle man for her "art business"."By me already being invested in our conversations and our online relationships, I kind of felt it was okay for me to do these things that they wanted," said D.So he started getting money transferred to his bank account that he would then send out in cashiers checks."I had received three wire transfers of over 0,000 and these monies they claimed were for their business," said D. It kept adding up... and then she asked for his money.It all came to a head last month when he got a call from the FBI saying it was all a scam; his ,000 was gone."It's hard. I lost the money and it messed up everything in a financial way for me. I'm trying to build my credit back, just so much that that has screwed up for me," said D.FBI Special Agent Jeffrey Reising said these scams are even more common now during the pandemic because criminals are taking advantage of government programs like unemployment and funneling the money through romance scam victims, like D."Just red flags, like 'Why am I getting unemployment in other people's names in my account? Why am I getting tens of thousands of dollars in my account'?" said Reising.Other red flags to look for are if they can never meet in person, or even answer phone calls, if they don’t have a real voicemail or if they ask for your bank account."Why can I not talk to this person face to face using some of the technology available? Why can’t I interact? Why is all of our communication on a text?" said Reising.It’s red flags D saw, but the scammer could explain away."Saying 'my phone is broke' or 'my camera doesn’t work'," said D.Now he’s sharing his story, hoping that especially during this virtual time, he can stop others from falling victim."Be cautious. If you get that flag, if you don’t get the answer for that flag, then you need to leave it alone," said D. If you think you might be a victim of a romance scam, contact your local FBI office or file a report online. This story was first published by Abby Isaacs at WMAR in Baltimore, Maryland. 2964

Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071

As states begin to reopen, a new stage in the pandemic means elective surgeries are back on schedule.For 51-year-old mother of two Honaire Murillo, the pandemic delayed a much needed spinal surgery.“The shooting pains all the time and you know I had kids I have to run around. And so, it took about a year and I was so disappointed,” says Murillo.Twenty-four years ago, the aspiring pro-bodybuilder’s dreams were cut short when she was hit by a motorboat while visiting Puerto Rico on business.More than 20 surgeries later, Murillo needed another one.“The pain started coming back and so I knew I was going to have more surgery,” she says.Last week, doctors at Rush University Medical Center’s Midwest Orthopaedics in Chicago were able to get Murillo into surgery for a first-of-its-kind procedure.It was a minimally invasive spine surgery that utilized augmented reality.“The efficiency this provides because of the accuracy and the visualization of the spine is remarkable,” says Dr. Frank Phillips, the director and minimally invasive spinal surgeon at Rush who performed the procedure.A headset guidance system allowed Dr. Phillips to see Murillo’s spinal anatomy – essentially giving him X-ray vision.“That's exactly what it is,” says Dr. Phillips. “It really is X-ray vision. Except it's not just X-ray vision, you're actually seeing the real spine through the skin.”The CT scanned images are directly projected onto the surgeon’s retina and then superimposed right on top of the patient’s surgical area.“I was just blown away,” says Dr. Phillips. “The minute I put my headset on and looked down at the spine it was like that wow moment. I was like ‘this is crazy.’”Researchers say the FDA-cleared x-vision system could revolutionize the way surgeons perform complex procedures.“It's so accurate so precise the visualization so good you can do the surgery more efficiently which obviously translates into less anesthetic time and advantages to the patient,” says Phillips.For Murillo, who eventually went pro 15 years after her accident, this latest groundbreaking surgery has her thinking about another return to competition.“I'm still looking to see if I could comeback one more time. I'm not sure. But, yeah to me it's a dream.”Augmedics, the maker of the technology says it plans to explore the x-ray vision technology beyond just spinal surgery. 2365

BALTIMORE — It's not just the news of a Free Little Library being vandalized that is turning heads in a Baltimore community. The narration of the crime itself is worth its weight in laughter."I thought it was hilarious when I sped it up and cut it," said Jacqui Cummings. "I said to myself, 'you don't need to fight over it, just make a joke of it.'"The initial vandalism happened on November 7th around 8 p.m. outside Notre Maison Connects. The non-profit focuses on empowering youth while supporting families and strengthening communities.Cummings is the founder of the organization. She said when she first saw the damage, she shed a tear."I did because I do a lot of work myself," she said.Cummings is no stranger to hands-on-work. Not only did she do metal-work to create the Free Little Library, she's experienced in hard labor, helping build day-care centers in other countries."I love giving back and educating," she said.In light of the vandalism Cummings launched a community book drive. So far more than 200 books have been donated."Some are children’s level books and some adult books," said Cummings " There are different books for all levels and I like that variety."This story originally reported by Dave Detling on WMAR2News.com. 1254