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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 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 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

The grandmother of Stephon Clark, the young black man shot and killed by Sacramento Police last week, pleaded Monday in a passionate speech for justice for her grandson."They didn't have to kill him like that. They didn't have to shoot him that many times," Sequita Thompson said through tears."Why didn't you just shoot him in the arm, shoot him in the leg, send the dogs, send a Taser. Why? Why? Y'all didn't have to do that," she added.The tearful plea came as part of a press conference with Benjamin Crump, an attorney representing the Clark family. Crump said the family is preparing for an independent autopsy of Clark's body."We will stand up for Stephon, we will speak for Stephon, we will fight for Stephon, until we get justice for Stephon," Crump said."I want justice for my baby. I want justice for Stephon Clark. Please, give us justice," Thompson said.The press conference came a week after Clark, 22, was shot and killed?in his grandmother's Sacramento backyard by officers who believed he was pointing a gun at them, according to police. No weapon was found at the scene. The only item discovered was a cell phone, police said.Officers fired 20 shots, hitting Clark multiple times, police told CNN affiliate KOVR.Crump was retained by Clark's family late last week. He has previously represented the families of other African-Americans fatally shot by police, including Michael Brown?and Tamir Rice, as well as Trayvon Martin, a Florida teenager killed by George Zimmerman.Crump said Clark's death fits a pattern in America of police shootings of unarmed black and brown people."No family should have to endure this pain and suffering as they try to seek answers for an execution of their loved one who is only holding a cell phone," he said. 1797

The House of Representatives on Thursday approved a two-week extension for a government funding deadline in an effort to avert a partial government shutdown this week but setting the stage for a partial one on December 21.The stop-gap measure, which the Senate is also expected to pass, pushes the deadline for when funding will expire for several government agencies from December 7 to December 21 -- setting up a showdown over spending just days before Christmas.Lawmakers came together to pass the funding extension after the death of George H.W. Bush. On Capitol Hill, much of the week has been dedicated to paying tribute to the former President who was lying in state in the US Capitol rotunda for several days.Congressional leaders in both parties have indicated they do not want a partial shutdown, but Democrats and Republicans remain at an impasse over President Donald Trump's demand for billion for his long-promised border wall and the issue continues to be the key sticking point in negotiations."It's getting late. It's not five minutes to midnight yet but it's getting towards the end of the month," Republican Sen. Richard Shelby, the chairman of the Senate Appropriations Committee said Wednesday.Asked how two additional weeks would help lawmakers reach an agreement over wall funding, Shelby replied, "I think you could do it in 15 minutes if you could reach some sort of resolution to it. Will they, is a good question. ... I don't know if they will."A key question now is whether the President and congressional Democratic leaders can strike a deal.Senate Republicans have floated the possibility of attempting to allocate billion over the next two years. But any spending bill would need at least some Democratic votes to pass.Senate Democratic Leader Chuck Schumer has so far said that the President should either agree to enact an existing Department of Homeland Security funding bill that has bipartisan support in the Senate and would allocate .6 billion for border security or keep DHS funded for another year via a short-term spending measure known as a continuing resolution.The President has kept up the pressure over the course of the week by reiterating his call for funding for the wall. "We would save Billions of Dollars if the Democrats would give us the votes to build the Wall. Either way, people will NOT be allowed into our Country illegally!" the President tweeted on Monday.Lawmakers passed a government spending package to fund much of the government prior to the 2018 midterm elections -- so if there is any kind of a shutdown, it would not affect all of the federal government.But that doesn't mean a partial shutdown would not be disruptive. The current funding deadline is in effect for government entities including the Department of Homeland Security, the State Department and the Interior Department. 2867