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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 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 mother of a Florida child who was punched in the face by an adult is wondering why the man was not arrested. “He was screaming at us, cursing at us, calling us the 'n-word' and he came down to the middle of his yard, and I was like 'who are you talking too,' and he said 'come within arm's reach and I'll show you who I'm talking to,'" said Malikai Villatte, the 12-year-old boy who was punched. A picture of Malikai after the incident showed his two front teeth were knocked out. The young boy also received stitches to heal a gash on his mouth. “When I realized my teeth were dangling in my mouth it was kind of shocking, I didn't know what was going on," Malikai said. “It was like a nightmare, I just knew I had to get there and I had to get there fast," said Malikai's mother Brittany Graham. His parents are upset because the man who punched Malikai was not arrested. Lataevion Graham, 13, says he witnessed the incident and claims Cerfalo spat on them after punching Malikai. Graham's father says he wants justice for the children. “Where it is okay for an adult to take the law into their own hands, and to strike a kid hard enough to knock out his teeth. Where is that acceptable, in what country is that acceptable?" said Larry Graham. According to a Charlotte County Sheriff’s Office incident report, the man who punched Malikai was 27-year-old Vincent Cerfalo.“Originally this is where the altercation took place, right here," Cerfalo said.“I told them to back off and if they come on my property I'm going to defend myself. They said, 'you won't hit us, you won't hit us,' and they started to surround me," said Cerfalo. He says it all started when he yelled at the kids to get out of the road because they were blocking traffic.A cellphone video captured the moments after Malikai was punched. Cerfalo claims he was acting in self defense.“He touched me and I lifted my hand out, and I ended up hitting him. It was not my intention to hit anybody that hard, it was not my intention to knock teeth out or do harm, or cause any kind of trouble,” Cerfalo said.The children say no one touched Cerfalo at any time during the incident. Cerfalo says he never expected things to escalate to violence. He now plans to press charges against 12-year-old Malikai for assault, which the child’s parents can’t understand. “He's not going to jail, nothing is happening to him and he's basically getting away with it right now," Malikai said.“I want the man in jail," said Brittany Graham. The case has been sent to the state attorney’s office, which will determine if a summons will be issued to Malikai for assault. 2750
The Los Angeles Dodgers will play in the World Series for the second year in a row after defeating the Milwaukee Brewers 5-1 Saturday night in the seventh and deciding game of the National League Championship Series. The Dodgers will play the American League champion Boston Red Sox in the World Series, which begins Tuesday.Milwaukee took a 1-0 lead in the bottom of the first inning when star hitter Christian Yelich tagged a 1-0 pitch from Los Angeles starter Walker Buehler for a home run.But the Dodgers' Cody Bellinger answered in the top of the second with a two-run blast after bunt hit by Manny Machado off Brewers starter Jhoulys Chacin. That gave Los Angeles a 2-1 lead.Chacin only pitched two innings and reliever Josh Hader, who had 12 regular-season saves, pitched three strong innings, giving up just one hit and no runs, to keep the Brewers in the game. He struck out four of the 10 batters he faced. 924
The Moderna COVID-19 vaccine, the second vaccine to receive the FDA’s emergency use authorization, is on its way to states, according to officials with Operation Warp Speed, the task force overseeing the nationwide vaccine distribution.During a press conference Saturday morning, U.S. General Gustave Perna, COO of Operation Warp Speed, said “distribution of (the) Moderna vaccine has already begun.”Moderna’s vaccine was approved for emergency use on Friday evening. The Pfizer-BioNTech vaccine was approved for emergency use a week earlier.“Boxes are being packed and loaded today. Trucks will begin rolling out tomorrow, from FedEx and UPS, delivering vaccines and kits to the American people across the United States," Perna said. "This week, in total, between Pfizer and Moderna, we have allocated 7.9 million doses of vaccine."He also took responsibility for discrepancies state leaders reported last week citing reductions in the amount of Pfizer vaccine doses they would be receiving. More than a dozen states said they were told by the federal government that next week's shipment of the Pfizer-BioNTech vaccine would be 20-to-40% less than originally projected. Perna said they are keeping an eye on manufacturing numbers and adjusting distribution in the short-term. USA Today is reporting the discrepancy is because of how many vaccines are able to be approved by quality control measures and released for distribution, not just how many doses are manufactured. “I want to take personal responsibility for the miscommunication,” he said. “I know that’s not done much these days. But I am responsible. This is a herculean effort and we are not perfect.”Perna did say “we remain on track to allocate around 20 million doses of vaccine to all jurisdictions by the end of December, with distribution of those doses pushing into the first week of January.”Perna joined other health experts in reminding Americans that just because the vaccine is being distributed, that doesn’t mean mask-wearing, social distancing and other precautions can be relaxed."Each shipment of vaccine is another few yards gained, but any good player or coach knows that you still need defense, along with offense, to win the game. I join our health professionals in urging Americans to stay diligent in their defense,” Perna said. 2322
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