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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 Port Authority commissioner who abruptly resigned last week was caught on camera berating police officers in New Jersey.The Tenafly Police Department released the video of Caren Z. Turner, 60, from a March 31 traffic stop. In it, she flashed her badge and credentials, giving the appearance that she was trying to interfere on behalf of her daughter and her daughter's friend, who were also in the vehicle.She can be heard on the video demanding information from police and reminding the officers of the fact that she worked at the Port Authority.Police reportedly pulled over the vehicle for its front tinted windows and an unclear license plate, and eventually discovered an issue with the vehicle registration. 725

The president of a California university is apologizing to one of his professors and her family after they were allegedly racially profiled on campus.In a thread on social media, Danielle Morgan outlined how officers escorted her brother to her house on campus at Santa Clara University over the weekend. She is an assistant professor in the College of Arts and Sciences.Morgan recalls that her brother came to the door and said the officers needed her to come out and “vouch for me.” Morgan told CNN she was asked to produce ID to prove who she was and where she lived.“I asked what the issue was and he (the officer) said my brother was ‘in the bushes’ and it was ‘suspicious’ and they thought he may have been homeless. I asked why I needed to show ID at my own home. He said ‘Well, it's not your home. The University owns it,’” Morgan said. 852

The nation's first transgender governor, its first Somali-American woman in Congress and its first black woman in Connecticut's congressional delegation could all be on the horizon after Tuesday's slate of four primaries.In Wisconsin and Minnesota -- two states where Democrats hope to rebound after losing ground to President Donald Trump in the 2016 election -- voters chose their nominees for governor, the Senate and several competitive House races. In Vermont and Connecticut, the competition was largely intra-party.Here are five takeaways from Tuesday's primaries: 579

The New York State Department of Taxation and Finance has issued a subpoena to Michael Cohen as part of its ongoing probe into whether the Trump Foundation violated New York tax laws, a department spokesman confirmed to CNN.This probe is separate from the New York attorney general's lawsuit against the Trump Foundation. The Tax Department is not able to bring any criminal charges, and if it finds any wrongdoing, the department would have to refer it to the New York attorney general's office or another prosecutor's office."A subpoena has been issued to Michael Cohen for relevant information in light of the public disclosures made yesterday," said Tax Department spokesperson John Gazzale in a statement. "We will be working with the New York Attorney General and the Manhattan district attorney as appropriate. We can't comment further on this investigation." 874

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