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The holiday shopping season got off to a hot start on Friday as consumers flooded into stores and logged onto e-commerce sites in search of deals.Real-time figures from Mastercard show that overall sales are poised to hit billion on Black Friday alone. That's up about 9% from the day after Thanksgiving last year.Mastercard projects that overall holiday sales from November 1 through Christmas Eve should grow by 5% this year."We've gotten off to a very good start," said Steve Sadove, Mastercard senior advisor. "Both online and in-store sales are both tracking very well."More and more Black Friday shoppers are turning online to score discounts and deals.Adobe, which tracks online sales, reported that online purchases were up nearly 28% in the early hours of Friday morning.Very cold weather in the Northeast might be helping online sales growth on Friday, Mastercard's Sadove said.Electronics are a hot sellers. Adobe reported that the Nintendo Switch is the most popular item online, and Sadove said the new line of digital assistants and smart home products are attracting buyers.The strong holiday sales are being fueled in part by a healthy economy, which features low unemployment and some gains in average income. High levels of consumer confidence also help.In addition, the calendar is favorable for a strong holiday shopping season. Thanksgiving came earlier this year, and Christmas falls on a Tuesday. That schedule is expected to result in Sunday December 23 sales that match Black Friday sales figures.Without Toys "R" Us, which went out of business this past year, many retailers are looking for a toy boost.Sadove refers to as a "land grab" of retailers trying to up their toy offerings as a way to attract shoppers.Beyond the leaders - Walmart, Target and Amazon - Best Buy is also making a major push to sell toys. And grocer Kroger's is offering toys using the old Toys "R" Us Geoffrey the giraffe mascot with its "Geoffrey's Toy Box." 1972

The National Rifle Association will host its annual convention this weekend, and on the first day of the convention, firearms will be barred from entering the Dallas facility hosting the NRA. According to a bulletin from the United States Secret Service, firearms, along with knives, laser pointers and a variety of other items will be banned from the facility. This is because Vice President Mike Pence is scheduled to appear on Friday. Civilians are generally prohibited from carrying weapons when the Vice President or President is present, and a meeting of the NRA is no exception. "Due to the attendance of the Vice President of the United States at the NRA-ILA Leadership Forum on Friday, May 4, the U.S. Secret Service will be responsible for event security around the Arena at the Kay Bailey Hutchison Convention Center," a statement on the NRA's website said. "As a result, firearms and firearm accessories, knives or weapons of any kind will be prohibited in the forum prior to and during his attendance"CNN is also reporting that President Donald Trump will attend on Friday The firearm ban only extends for Friday's sessions, and not for Saturday or Sunday.Some survivors of the Parkland, Florida school shooting, and backers of the March for Our Lives movement said it is hypocritical that a group that decries gun control regulations won't be allowed to have its members carry weapons. "The NRA has evolved into such a hilarious parody of itself," Stoneman Douglas High School student said on Twitter in response to the weapon ban announcement. Leaders of the March for Our Lives have made the NRA a target of theirs, decrying politicians who accept campaign contributions from the group. "Wait wait wait wait wait wait you’re telling me to make the VP safe there aren’t any weapons around but when it comes to children they want guns everywhere?" Matt Deisch, leader of the March for Our Lives campaign, and a former Stoneman Douglas high school student, said on Twitter. "Can someone explain this to me? Because it sounds like the NRA wants to protect people who help them sell guns, not kids."A petition calling for Pence to cancel his appearance at the NRA convention has drawn nearly 45,000 virtual signatures. A similar firearm ban was enacted at last year's NRA Leadership Forum due to Trump's attendance.  2405

The National Rifle Association will host its annual convention this weekend, and on the first day of the convention, firearms will be barred from entering the Dallas facility hosting the NRA. According to a bulletin from the United States Secret Service, firearms, along with knives, laser pointers and a variety of other items will be banned from the facility. This is because Vice President Mike Pence is scheduled to appear on Friday. Civilians are generally prohibited from carrying weapons when the Vice President or President is present, and a meeting of the NRA is no exception. "Due to the attendance of the Vice President of the United States at the NRA-ILA Leadership Forum on Friday, May 4, the U.S. Secret Service will be responsible for event security around the Arena at the Kay Bailey Hutchison Convention Center," a statement on the NRA's website said. "As a result, firearms and firearm accessories, knives or weapons of any kind will be prohibited in the forum prior to and during his attendance"CNN is also reporting that President Donald Trump will attend on Friday The firearm ban only extends for Friday's sessions, and not for Saturday or Sunday.Some survivors of the Parkland, Florida school shooting, and backers of the March for Our Lives movement said it is hypocritical that a group that decries gun control regulations won't be allowed to have its members carry weapons. "The NRA has evolved into such a hilarious parody of itself," Stoneman Douglas High School student said on Twitter in response to the weapon ban announcement. Leaders of the March for Our Lives have made the NRA a target of theirs, decrying politicians who accept campaign contributions from the group. "Wait wait wait wait wait wait you’re telling me to make the VP safe there aren’t any weapons around but when it comes to children they want guns everywhere?" Matt Deisch, leader of the March for Our Lives campaign, and a former Stoneman Douglas high school student, said on Twitter. "Can someone explain this to me? Because it sounds like the NRA wants to protect people who help them sell guns, not kids."A petition calling for Pence to cancel his appearance at the NRA convention has drawn nearly 45,000 virtual signatures. A similar firearm ban was enacted at last year's NRA Leadership Forum due to Trump's attendance.  2405

The new romaine lettuce recall is causing many to change up their Thanksgiving Day menus.A popular vegan restaurant and catering company, Pianta, is one place affected by the recall.“We use romaine every day,” says restaurant owner Michael Moon. “We use about two to three cases of romaine every week, so it's pretty significant.”The restaurant has thrown out all of its romaine lettuce.“Essentially, we're just throwing away money,” Moon says.However, Pianta’s owner says it’s only a small cost to pay for the safety of his customers.“We don't want to be associated with some sort of outbreak here as a plant-based restaurant. It's scary.”Until further notice, the Centers for Disease Control and Prevention (CDC) is warning everyone to throw out any and all romaine lettuce. That includes prewashed bag lettuce, as well as any other foods stored with it or touching it.Health officials also to clean out your refrigerator and counter.Moon says the recall is scary, because this is just the latest recall impacting his vegan, plant-based restaurant.“We've seen this with spinach; we've seen it with romaine; we've seen it with kale,” Moon says. “So, for someone like us, it's sort of the bedrock of what we're doing here, so it's obviously a big concern.The CDC is trying to find the source of the E. coli outbreak, which so far has sent dozens of people to the hospital, both in the United States and Canada. 1418

The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211