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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 moderators for the 2020 presidential and vice presidential debates have been announced.The Commission on Presidential Debates announced the moderators Wednesday morning for the events this fall.Chris Wallace, a host on Fox News, will moderate the first debate between President Donald Trump and former Vice President Joe Biden on September 29. It will be held at Case Western Reserve University in Cleveland, Ohio. This debate was originally scheduled to take place at the University of Notre Dame, however they withdrew citing coronavirus pandemic concerns.Vice President Mike Pence will debate Senator Kamala Harris, the democratic vice presidential candidate, on October 7 in a debate moderated by Susan Page, the Washington Bureau Chief at USA Today. The one and only vice presidential debate will be held at the University of Utah in Salt Lake City, Utah.Trump and Biden will face-off again on October 15, moderated by Steve Scully who is a political editor at C-SPAN, and on October 22 moderated by Kristen Welker, White House correspondent for NBC News.The October 15 event will be held in Miami, after the University of Michigan withdrew citing coronavirus pandemic concerns. This debate format will be more like a “town meeting,” according to the commission and agreed to by both parties. Questions will be asked of both candidates by citizens in South Florida.The last scheduled presidential debate is planned for Belmont University in Nashville.At this time, all four debates are scheduled for 90 minutes. With the exception of the October 15 debate, the other events will be formatted to have the moderator asking questions and allowing the candidates 2 minutes to respond.The segments and topics will be determined by the moderator and announced closer to the event date. 1796

The Illinois Department of Public Health is investigating nine recent cases of acute flaccid myelitis, also called AFM, according to a statement Wednesday.All of the cases are in patients younger than 18 and have been clinically diagnosed by health care providers, the statement said. State health officials are working with the care providers to obtain the samples and information to send to the US Centers for Disease and Prevention for testing and confirmation of the diagnoses."The CDC will make the final determination on diagnoses and numbers are subject to change," the statement said.All of the patients are "from northern Illinois," according to the health department, but no other location information was provided.Since 2015, when Illinois began monitoring reports of AFM in the state, four confirmed cases have been identified.AFM is a polio-like illness that affects a person's nervous system, including the spinal cord. Symptoms can include sudden limb weakness, loss of muscle tone and reflexes, facial and eyelid drooping, facial weakness, difficulty moving the eyes, swallowing difficulty or slurred speech, according to the CDC.The rare condition can be caused by a virus, a genetic disorder and environmental toxins.There is no treatment other than managing each patient's symptoms.Dr. Rachel Herlihy, the Colorado state epidemiologist, said the best prevention is frequent handwashing and keeping kids home when they are sick.On Tuesday, the Colorado Department of Health said?it has confirmed 14 cases there this year. All of the patients are children who have needed to be hospitalized, the department said, noting that "nearly all have fully recovered.""The state health department has been monitoring this situation closely since early spring. In addition to investigating the outbreak, the state health department has issued alerts to health care providers on how to test for the viruses and enhanced guidance to child care centers on infection prevention," the department said in a statement.The type of viruses found in 12 of the Colorado cases, enterovirus, typically increases in summer and fall and is common, the state department of health said. However, 11 of the Colorado cases of AFM have tested positive for EV A71, a rare type of enterovirus not usually seen in the US, rather in Asia and other parts of the world, according to Herlihy. "This is certainly the largest outbreak of enterovirus A71 we've seen in Colorado."She referred to these 11 cases as an outbreak within an outbreak. "We have 41 cases of children who have had some sort of illness of enterovirus A71, which is causing a wide spectrum of neurological illness."In previous years, cases of AFM in Colorado and elsewhere have been positive for a different enterovirus, EV-D68.On Friday, the Minnesota Department of Health said it was investigating six cases of AFM in children over the past few weeks but did not identify what virus or other cause may have led to the illnesses.As of September 30, according to the CDC, 38 cases of AFM have been confirmed in 16 states. This does not include all of the 14 cases announced by Colorado, as some of those cases were confirmed after September 30. It also does not include the cases in Minnesota or Illinois, as they are not confirmed.Since August 2014, when the CDC began tracking the illness more closely, the agency has reported 362 cases.In 2017, 33 cases were reported in 16 states. One hundred forty-nine cases were reported in 39 states in 2016 and 22 cases in 17 states in 2015. 3570

The NFL and the players' union have sent a planner to the 32 teams outlining procedures for the full reopening of their practice facilities.A lengthy memo written by Commissioner Roger Goodell and approved by the NFL Players Association described protocols focusing on screening, testing, infection prevention, and treatment for COVID-19, including response for new infections. In the memo, which CBS Sports' Jonathan Jones shared via Twitter, gives details on how NFL officials want teams to reconfigure their locker rooms to keep lockers 6-feet apart. 561

The housing market halted at the start of the coronavirus pandemic in the United States, but now that sector of the economy is seeing the strongest recovery.“Housing economist have been optimistically surprised by the return of buyers to the market,” said Zillow Economist Skylar Olsen. “The overall availability of inventory is more constrained now than it was last year and that is putting upward pressure on prices, meaning that prices are stable.”Over the last few weeks, realtors like Michelle Pfeffer in New York City have noticed not only a strong market, but a new trend with the most competitive sales being homes located in the suburbs.“A lot of properties that are coming on the market are having showings within a couple of days and a lot of multiple offer situations,” Pfeffer said about homes in the suburbs. “We are definitely seeing more people moving out of the city.”Lingering uncertainty around the pandemic, and a possible second round of closures and self-quarantines have motivated many of these moves.“We are getting people who have been in quarantine for a couple of months now in small quarters and maybe have decided that it is more of a priority to have a yard and space,” Pfeffer added. “Also, because we have had a big technological shift, companies that weren’t offering remote work options previously were sort of forced into it and found that it was effective. Which means that they don’t have to be in the office every day and it gives them the opportunity to live in further distances.”According to research by Zillow, New York City, Miami, and San Jose are so far one of three cities seeing the trend of a substantially higher number of people moving out of the city and to the suburbs.Economist at Zillow are monitoring sales and home searches to see if this is a trend that will spread to other major cities or not, in addition to other possible trends the pandemic may cause in the housing market.“This experience can bring a lot of changes to housing, but it is a little bit too early to see how we’ll actuate that out and you can imagine a lot of different ways that can play out,” said Olsen. 2141