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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 Great Bambino, the King of Rock and Roll, and the former leader of "America's Team" are among those set to receive the highest honor that a president can bestow on a civilian.The White House announced Saturday that President Donald Trump will award the Presidential Medal of Freedom to seven people next week. The list, which names three posthumous recipients, includes sports and entertainment legends such as Babe Ruth and Elvis Presley as well as political and charitable luminaries such as philanthropist Miriam Adelson, Utah Republican Sen. Orrin Hatch and the late Supreme Court Justice Antonin Scalia.Adelson, the wife of billionaire Republican donor Sheldon Adelson, is cited by the White House for founding research centers committed to fighting substance abuse and, with her husband, establishing the Adelson Medical Research Foundation, which supports research on life-threatening illness. She has also supported Jewish schools, Holocaust memorial organizations, and Israeli military personnel and veterans, the White House noted.The Adelsons were among the Republican Party's largest benefactors this midterm election, donating a whopping 2 million to GOP super PACs through September.The White House also lauded the accomplishments of Hatch, one of the longest-serving senators in US history, citing his four decades of legislative accomplishments and his leadership on judicial confirmations.Scalia, a conservative judicial icon, was cited by the White House for "insisting that the role of federal judges is to uphold the original meaning of the Constitution — never to impose their own beliefs on the country."The news release praised Presley as a musical icon who defined American culture to adoring fans around the world and "fused gospel, country, and rhythm and blues to create a sound all his own, selling more than a billion records." It also noted his two years of Army service.Ruth, meanwhile, is celebrated for setting baseball records that lasted for decades, creating the Babe Ruth Foundation, which sought to help underprivileged children, and for raising money for the war effort during World War II. "His legacy has never been eclipsed, and he remains the personification of 'America's Pastime,' the White House said.Two football Hall of Famers are also among the honorees: former Dallas Cowboys quarterback Roger Staubach, who also volunteered to fight in the Vietnam War and later became a businessman and champion of charitable causes such as the United Way; and defensive tackle Alan Page, who would later go on to become the first African American to serve on the Minnesota Supreme Court.The Medal of Freedom is awarded to those who have made "especially meritorious contributions to the security or national interests of the country, to world peace, or to cultural or other significant public or private endeavors," the White House said.This is the first time Trump is presenting the Presidential Medal of Freedom. He has awarded the Medal of Honor, the nation's highest military honor, as recently as October. 3061

The makers of the wildly popular video game Fortnite are facing a lawsuit from a rival company that claims the game violates intellectual property.The PUBG Corporation, the makers of PlayerUnkonwn's Battlegrounds, filed the lawsuit against Epic Games, claiming that Fortnite copied the "last-man standing" game concept.MORE:?Fortnite: What it is and why it is so popularAccording to the BBC, PlayerUnknown's Battlegrounds was first released in March 2017. Fortnite was first released a few months later in July, but didn't release its popular "Battle Royale" mode until September. Both Battlegrounds' and Fortnite's Battle Royale mode both host up to 100 players online at a single time. The object of both games is to eliminate all other players and be the last person standing, and both games take place on an island. According to The Verge, both games were also developed on Unreal Engine 4, a system developed by Epic Games.However, the games do have notable differences: Fortnite allows players to gather materials and build fortresses and barriers.While PlayerUnknown's Battlegrounds has waned in popularity, Fortnite has exploded around the world. Up to 3 million will be playing the game at one time, and millions more will watch professional gamers and celebrities play the game on the streaming service Twitch.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1495

The Iran nuclear deal may be doomed, at least if you believe the global oil market.Oil prices have surged?partly because of mounting expectations that President Trump will kill the 2015 agreement, which allowed Iran to export more crude. Trump must decide by May 12 whether to re-impose sanctions on the OPEC nation.Brent crude, the global benchmark, briefly soared above a barrel on Monday after Israel leveled new nuclear allegations against Iran.Bringing back sanctions on Iran could knock out as much as 1 million barrels per day of crude supply, dealing a blow to increasingly fragile energy markets."There will be a significant disruption," said Michael Wittner, global head of oil research at Societe Generale."The market is assuming that oil sanctions will snap back onto Iran," he said.Trump said on Monday that Israeli Prime Minister Benjamin Netanyahu's speech on Iran helps show he's "100% right" about the Iranian nuclear agreement, which was signed by former President Barack Obama."We'll see what happens," Trump said about his decision on the Iran deal. "I'm not telling you what I'm doing, but a lot of people think they know."The oil market certainly thinks it knows. The price of Brent crude has soared 7% this year, and the US benchmark has soared 8% to nearly a barrel for the first time since late 2014. Oil prices have been lifted by concerns about the fate of the Iran deal as well as strong demand and supply cuts by OPEC and Russia."The Iranian nuclear deal is dead in the water and a Trump torpedo is fast approaching," Stephen Brennock, oil analyst at brokerage firm PVM Oil Associates, wrote to clients late last week.Under the deal, Iran agreed to limits on its nuclear activities, including bans on enrichment at key facilities. In exchange, sanctions were lifted in early 2016, freeing Iran to quickly boost its oil production by about 1 million barrels per day. Iran found eager customers for its crude in Europe, Japan, India and South Korea.It's "now looking increasingly likely" that Trump will not renew the waiver on Iranian sanctions by May 12, according to energy research firm FGE. 2153

The man suspected of sending 14 pipe bombs to prominent Democrats around the country will be formally charged in court Monday.Cesar Sayoc, 56, of Aventura, Florida, is facing federal charges and could receive up to 48 years in prison if convicted.As of Friday, authorities had intercepted 14 packages Sayoc sent through the US mail system, officials said. None of the devices detonated, and no one was injured. Another package that appears identical to the others was sent to CNN's worldwide headquarters in Atlanta, but it was intercepted Monday at an off-site screening facility.Among his alleged targets were former President Barack Obama, former Secretary of State Hillary Clinton, former US Attorney General Eric Holder, California Senator Kamala Harris, New Jersey Senator Cory Booker and California Rep. Maxine Waters.Sayoc is expected to stand trial on five federal crimes: interstate transportation of an explosive, illegal mailing of explosives, threats against former Presidents and other persons, threatening interstate communications and assaulting current and former federal officers.  1112