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We are now in the midst of Black Friday week (not day), during a topsy turvy pandemic year, when everything is upside down.So should you shop Wednesday night, Thanksgiving or Friday, the traditional big shopping day in malls?It all depends what you are looking for and where you prefer to shop.The big sale day will look very different this year, with almost all major retailers closed Thanksgiving night. No more day-long lines to grab a 65-inch TV at half price.But that makes timing Black Friday tough. So, we scanned the ads to find some of the key times for deals.All week long dealsBest Buy, Target, Amazon and Kohl's started their biggest sales last Sunday morning, but say they will add new deals on Thanksgiving Day, online.So, you should browse their ads and sites early and often.Wednesday night dealsAt Walmart, the key time to start shopping is Wednesday at 7 p.m., the night before Thanksgiving, this year.That's when Walmart's hottest deals go online, such 70-inch TVs for below 0.Note that its electronics deals are online only this year, not in-store.Thanksgiving Day dealsAt Kohl's, they will launch a virtual Black Friday sale at 11 p.m. Wednesday, which will run all day Thursday.While Kohl's may not always have lowest price, its bonus Kohl's Cash often makes their deal better than anyone else's on similar items.Best Buy started its sale last Sunday, but promises more items popping up Thursday.Friday dealsBlack Friday traditionalists will still want to shop Friday, either in store or online.If you want kitchen gadgets, like blenders, air fryers, and the new Instant pot Duo, Thursday and Friday will bring the biggest sales.Plus on Friday, you will be able to shop in store at Macy's, JC Penney, Target, Kohl's and more for home goods (though note that stores will be limiting crowds, so you may have to wait in the parking lot).Buy this the moment you find itBut from the doesn't that stink file, one item you should buy the instant you find it, never mind that it's not on sale.We're talking Microsoft's new XBox Series S, and Sony's new PlayStation 5, which have sold out instantly.The PS5 is now selling for as much as ,600 on eBay.The XBox is going for 0 to well over ,000. Doesn't that stink?If you see one at the list price of 9 at a store website, grab it.Walmart promises to put them online in limited batches starting Wednesday at 7 p.m., while Gamestop promises a few in each store early Friday morning.You can wait for clothing and toysFinally, if you are shopping for clothing or toys, don't worry. Prices usually drop around December 15, so you have plenty of time.That way, you don't waste your money.__________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2973

WASHINGTON (AP) — Straining to stave off threatened U.S. tariffs, Mexican and American officials claimed progress in White House talks late Wednesday, but President Donald Trump declared it was "not nearly enough" to halt the import taxes he is holding out as a way to force Mexico to stanch the flow of illegal migrants at America's southern border.Talks continued into the night at the State Department and were to resume Thursday.Underscoring the scope of the border problem, the Department of Homeland Security announced separately that U.S. Border Patrol apprehensions of migrants illegally crossing the border hit the highest level in more than a decade in May: 132,887 apprehensions, including a record 84,542 adults and children together, 36,838 single adults and 11,507 children traveling alone.Trump, renewing his threat of import taxes on all Mexican goods, tweeted from Ireland that the Washington talks would continue "with the understanding that, if no agreement is reached, Tariffs at the 5% level will begin on Monday, with monthly increases as per schedule."Mexican Foreign Secretary Marcelo Ebrard said immigration, not tariffs, was the main focus at the White House meeting, which included Secretary of State Mike Pompeo, Vice President Mike Pence and other U.S. officials."We are optimistic," he said at a news conference at the Mexican Embassy.Meanwhile, Republicans in Congress are threatening their own confrontation with Trump, warning the White House that they are ready to stand up to the president to try to block his tariffs, which they worry would spike costs to U.S. consumers, harm the economy and imperil a major pending U.S.-Mexico-Canada trade deal .Without a deal, the first tariffs — 5% taxes on imports from Mexico, eventually increasing to 25% — are to go into effect next Monday, and Trump has said that is "more likely" than not to occur despite the stiff and vocal opposition from many fellow Republicans. His goal is to persuade Mexican leaders to do more to keep would-be migrants from other Central American countries from traveling across Mexico to the American border.Most are from Guatemala, Honduras and El Salvador, countries wracked by gangs, violence and poverty. Many of the travelers are expected to eventually request asylum.The tariffs carry enormous economic implications for both countries, and politically they underscore a major ideological split between Trump and his party. Trump has increasingly relied on tariffs as a bludgeon to try to force other nations to bend to his will, dismissing warnings, including from fellow Republicans, about the likely impacts on American manufacturers and consumers.Administration officials have said Mexico can prevent the tariffs by securing its southern border with Guatemala, cracking down on criminal smuggling organizations and entering into a "safe third country agreement" that would make it difficult for those who enter Mexico from other countries to claim asylum in the U.S.The U.S., however, has not proposed any concrete benchmarks or metrics to assess whether the U.S. ally is sufficiently stemming the migrant flow from Central America. And it is unclear whether even those steps would be enough to satisfy Trump on illegal immigration, a signature issue of his presidency and one that he sees as crucial to his 2020 re-election campaign.GOP Sen. Ron Johnson of Wisconsin said Wednesday he called the Mexican ambassador to underscore that Trump was "serious" about the tariffs and that it's unclear if Congress would be able to muster enough votes to block them from a presidential veto."I just wanted to make sure the Mexican ambassador realized" the situation, Johnson said. "If he enacts those tariffs, they're not going to be overridden."On a hopeful note, White House trade adviser Peter Navarro said on CNN that there were commitments Mexico could make to avoid the tariffs, which he said "may not have to go into effect precisely because we have the Mexicans' attention."Republican Chuck Grassley of Iowa, chairman of the Senate Finance Committee, said before the White House meeting that the Mexicans had "a long list of things they're going to offer to us, and it will preclude tariffs going into effect."Senate Majority Leader Mitch McConnell said Tuesday with understatement, "There is not much support in my conference for tariffs, that's for sure.""Deep concern and resistance," is how Sen. Ted Cruz of Texas characterized the mood.House Speaker Nancy Pelosi, a California Democrat, warned on Wednesday that the proposed tariffs would be "punishing" for both the U.S. and Mexico.Analysts were not optimistic that the initial phase of tariffs could be avoided."Trump has got his new tool and he wants to use it and he will use it ... because it's part of his negotiation tactics," said Duncan Wood, director of the Mexico Institute at the Wilson Center think tank in Washington."Mexico will offer to do a lot more on migration, but they will also say that they will retaliate against tariffs and a lot of people are going to lose a lot of money," he said.Tony Wayne, a former U.S. ambassador to Mexico, said the two sides could have a good meeting and reach a deal, but still not satisfy the "wild card" president."The tweets have said 'stop everybody' and 'stop drugs.' That would be an impossible task to do in the near term," he said.The stakes are clear: The 25-year-old North American Free Trade Agreement made trade with Mexico largely duty free. As a result, manufacturers have built up complicated supply chains that straddle the border. Americans bought 8 billion worth of Mexican imports last year, led by cars and auto parts. Mexico is America's No. 2 export market behind Canada.The back-and-forth could also imperil the NAFTA revamp, which Trump pressured Mexico and Canada to agree to last year. The U.S.-Mexico-Canada Agreement has been signed by all three countries but must be approved by their legislatures.___Associated Press writers Paul Wiseman, Lisa Mascaro, Darlene Superville and Padmananda Rama contributed to this report. 6081

WASHINGTON (AP) — The Trump administration has laid down rules aimed at preventing residents in high-tax states from avoiding a new cap on widely popular state and local tax deductions. The action over the new Republican tax law pits the government against high-tax, heavily Democratic states in an election-year showdown.The Treasury Department's rules released Thursday target moves by states like New York, New Jersey and California — where residents could see substantial increases in their federal tax bills next spring because of the ,000 cap on state and local deductions. Experts say the issue likely will have to be resolved by the federal courts.Four states — Connecticut, Maryland, New Jersey and New York — already have sued the federal government over the deduction cap, asserting it's aimed at hurting a group of Democratic states and tramples on their constitutional budget-making authority.A dozen states have taken or are considering measures to get around the cap. Most of the workarounds take advantage of federal deductions for charitable contributions — which aren't capped — in place of the old deductions for paying state and local income taxes. So people's state and local taxes exceeding ,000, which can't be deducted, are turned into deductible charitable donations.The new rules' "dollar-for-dollar" limit also applies to many other states that already have charitable funds offering tax breaks, senior Treasury officials said. Those states include solidly Republican ones and others with relatively low taxes. In those programs, donors to schools, hospitals or land conservation programs can get their state taxes reduced in return — plus a charitable deduction on their federal tax returns.The limit means taxpayers only can deduct as a charitable contribution the portion of their donation for which they don't also get a state tax credit.But some experts said the Treasury rules seem to be designed to protect those existing charitable programs in some states. An exception to the "dollar-for-dollar" requirement "plainly appears to be designed to protect certain ... pre-existing state regimes," said Daniel Rosen, a tax lawyer at Baker McKenzie who is a former IRS official.Treasury said it expects that only about 1 percent of all U.S. taxpayers would see a reduction of their tax credits for donations to private-school voucher fund. Several states — Alabama, Arizona, Georgia, Montana and South Carolina — allow taxpayers who donate to private-school funds to get a 100 percent credit against their state taxes, according to data compiled by the Institute on Taxation and Economic Policy.___HOW DO THE LIMITS WORK UNDER THE NEW RULES?Dollar-for-dollar: When a taxpayer receives a benefit in return for donating to charity, the taxpayer should only be able to deduct the net value of the donation as a charitable contribution, Treasury says.An example: You donate ,000 to a charity in a state that offers a 70 percent tax credit, so 0 in this case. You would only be able to claim a 0 charitable deduction on your federal return.There is an exception. If the state tax credits don't exceed 15 percent of the amount donated, so up to a 0 state tax credit on a ,000 donation, the taxpayer could claim the full amount as a charitable deduction.___WHY IS THIS IMPORTANT?Taxpayers could have less incentive to donate without getting a deduction or having the deduction reduced.All states rely on property and income taxes to fund an array of services such as education, health care and public safety. Advocates for restoring the full state and local deductions say that the reduced property tax deduction brings a decrease in the value of taxpayers' homes, possibly spurring residents of high-tax states to move elsewhere and crimping funding for local programs.___WHAT'S HAPPENING IN THE HIGH-TAX STATES?Measures designed to work around the ,000 cap have been adopted in Connecticut, New Jersey, New York and Oregon, and introduced or explored publicly by officials in California, Illinois, Maryland, Nebraska, Rhode Island, Virginia, Washington and the District of Columbia.New York Gov. Andrew Cuomo, a Democrat, has called the state-local deduction cap an "assault" on New York by Trump and Republican lawmakers in Washington.In some key "blue" states:—Connecticut has a new law establishing a state charitable fund; donors can get tax credits in exchange for giving.—In New Jersey, where high local property taxes are the major issue, the state is allowing local schools and governments to use the charitable workaround. But so far, no towns have notified authorities that they've set up funds to receive contributions — because state regulators haven't issued the necessary rules, experts say.—New York is offering three options: One like Connecticut's, one like New Jersey's and another to let employers pay payroll taxes for employees, who would receive credits to cancel out the income taxes they would have paid otherwise.—In Maryland, about 500,000 residents — over 18 percent of state taxpayers — will together lose .5 billion in state and local deductions, according to state estimates.___Mulvihill reported from Cherry Hill, New Jersey. Associated Press writer Michael Catalini in Trenton, New Jersey, contributed to this report. 5305

We're in some strange times right now and it may be hard to tell if it's appropriate to ask for a raise at work. Career experts say it's all about reading the room.“If your company has decided to freeze bonuses and they've laid off or furloughed people, you should still have a conversation with your boss about where that means your compensation will currently be, but you may not go into a nitty gritty negotiation conversation,” said Vicki Salemi, a career expert at Monster.com.If your company is doing well, has been able to keep employees, and has offered different work from home options, then it's fair game to begin negotiating with your manager.Make sure you walk into the conversation informed, though. Do your research on what someone with your experience and your location should make.And most importantly, don't start this conversation over email. Simply ask your manager if they have 15 minutes for a video chat and talk to them face to face.In the case where maybe a raise isn't possible right now, be open to negotiating about perks instead.“In addition to compensation, you can ask for additional personal time and perhaps you can also ask for extended working from home arrangements, after the pandemic or different arrangements, where you can have different things reimbursed to you that they previously didn't approve,” said Salemi.If both a raise and perks are denied, see if there's a chance those could happen later. If not, experts say it could be time to start looking for a job outside the company that will pay you your worth. 1562

Watch Commander: @SDSOLemonGrove is investigating a deputy-involved shooting in the 7000 block of Broadway in @LemonGroveCAgov. No deputies were hurt. There are no outstanding suspects. Look for increased law enforcement activity. Please avoid the area.— San Diego Sheriff (@SDSheriff) January 6, 2019 319

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