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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 number of missing in Californian wildfires has soared to 631, as authorities added hundreds of names to the lists of the unaccounted for Thursday, in what has become the deadliest and most destructive wildfire in the state's history.Butte County Sheriff and Coroner Kory Honea said Thursday evening the death toll from the Camp Fire in northern California had grown to 63 people. Seven sets of remains were discovered Thursday, he said.At least two other people have been killed in another, separate wildfire in Southern California, putting the state's death toll at 65 since the two blazes began last week.On Friday hundreds of rescue personnel -- deputies, National Guard troops and coroners -- dressed in white overalls sifted through smoldering rubble and checked mangled cars, searching for human remains.Honea said the number of names on the missing list soared after investigators added information from callers who rang the dispatch center on the day the fire erupted and reported people who were missing in the chaos.Some of the names on the Butte County list appear more than once and it's not clear if any are duplicates. Officials have said it's hard to determine the number of missing, because some people may have evacuated and can't be reached with cell phone service unreliable due to the fire."There are a lot of people displaced and we're finding a lot of people don't know we are looking for them," Honea said.The fire turned the hard-hit town of Paradise into ash and debris and also devastated the nearby communities of Magalia and Concow. Honea said three sets of remains were found Thursday in Paradise, three in Magalia and one in Concow.Honea has invited relatives of the missing to visit the sheriff's office in Oroville so authorities can collect DNA samples from them. The DNA will be used to help identify fire victims, Honea said."This is a daunting task. We feel really bad for the people who don't know what happened to their loved ones and our hearts go out to them," Butte County Sheriff's Investigations Sgt. Steve Collins said. "We want to give them some answers." 2132

The man who plowed a pickup truck down a crowded bike path in New York is so devoted to ISIS, he wanted to display the terror group's flag in his hospital room, documents show.Sayfullo Habibullaevic Saipov, 29, did not say much at his initial court appearance, which he attended in a wheelchair after police shot him.But a criminal complaint alleges he provided authorities with details on how he planned the attack for months and his commitment to the ISIS playbook. 475

The Harford County, Maryland Sheriff's Department is hoping you can help find the people who tried to steal an ATM from a Shell Gas station.The attempted theft happened at 3:34 a.m. on March 16. Two unknown individuals broke into a Shell station in Belcamp, Maryland.Surveillance video shows one suspect wrapping a chain around the ATM.  Another suspect is in a vehicle and tries to pull it out of the store using the vehicle. They were unsuccessful.  Anyone with information is asked to call Detective Amanda McCormack at 443-567-7091 or you can submit an anonymous tip with Metro Crime Stoppers at 1-866-7LOCKUP.  668

The political and judicial world were turned upside down on Friday following the death of Justice Ruth Bader Ginsburg. While many questions remain in Washington, like whether President Donald Trump has the votes to replace Ginsburg before the election, one thing is clear: issues will come before the Supreme Court very soon.HEALTH CARE ARGUMENTS IN NOVEMBERWhile election issues are expected, the future of the Affordable Care Act is an issue guaranteed to come up before the Supreme Court soon. A hearing is set to take place one week after the election regarding whether the law can be struck down. Essentially, Republicans from around the country believe that the only reason the Supreme Court upheld the law in 2012 was because the opinion said Congress has the power to tax. Since that time, however, Trump has removed the tax penalty for not having health insurance. The thinking from some conservatives is that since the tax penalty is gone, the entire law can be struck down now, too. WHERE THE COURT STANDS Prior to Ginsburg's death, the general thinking was that the law would still stand. It faced a challenged in 2012, but Chief Justice John Roberts sided with four liberal justices to uphold it. With Ginsburg's passing, there are only three liberal justices on the court. If Roberts joins the liberal justices it would create a 4-4 tie. "If there is a 4-4 split on the court, then no precedent is set and whatever the lower court decided stands," Professor Paul Schiff Berman with George Washington University said. That would mean parts of the Affordable Care Act can be struck down since lower courts have already ruled in that way. If Trump is able to get another nominee on the court before the hearing, it would only make the court more conservative. Berman cautioned though that other conservatives could potentially join the liberals on this case since the lawsuit's legal standing is murky. Still, the future of the Affordable Care Act is in more jeopardy today than it was last Thursday. 2020

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