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Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071
Attorneys representing the state of Missouri announced Monday they will drop a felony invasion of privacy charge against Gov. Eric Greitens, after the attorney prosecuting the case was named as a witness in the trial.However, the decision might only mark a temporary victory for Greitens. Prosecutors said they plan to name either a special prosecutor or one of St. Louis Circuit Attorney Kim Gardner's assistants to refile the charge and move forward with the case. 474

AURORA, Colo. -- It’s a common work-from-home scam that has duped many, but this time it has a cryptocurrency twist.A couple in Aurora, Colorado who did not wish to be identified, shared their story with Scripps station KMGH in Denver about being tricked into laundering thousands of dollars, in order to keep others from falling for the scam as well. KMGH changed their names and disguised their identities to protect them. "It all fell apart so quickly," said John, who along with Marie, ignored the red flags all around them. "We don't want to go to jail. We laundered money and we stole money from people, that's what it could look like to someone."They thought they had found the perfect job: working from home as “financial agents” for a company called Golden Potatoes. At the time, never meeting their boss in person made sense because the company was headquartered out of state and the website looked legitimate.A Colorado Bureau of Investigation spokesperson told KMGH she sees these schemes often, so does Krista Ferndelli with the Better Business Bureau."The contact information. The three people on the site, they may be actual people but they look very much like stock photos," said Ferndelli.The couple interviewed over the phone and received paperwork detailing the benefits, the salary and the company car. Marie was asked to send a selfie photo of herself holding her ID.John said his boss “Alex” instructed the couple to open up bank accounts. They would then receive deposits from customers who they believe were paying for a shipment of potatoes or olive oil."I felt like it was a prayer answered. Like honestly. This money was real," said John. “This money is legit. This is real cash. This is not a check. Nothing is bouncing. Nothing is being drawn to my attention. I’m going to Wells Fargo. They’re handing me ,000 in cash. They’re not saying anything to me.”They would then convert the money to Bitcoin currency and then send it back to "Alex." John and Marie would also get to keep 5 percent of each check, they were told."We hear a lot about Bitcoin because it's so new. People are uninformed and unaware. It’s hard to trace. It’s kind of the ideal payment method for fraud," Ferndelli said. The couple had processed close to 0,000 when the strangers started calling."One of the customers that was supposed to be paying for potatoes and oil says, 'where's my car?'" said Marie.John and Marie said someone posing as them on Craigslist pretended to sell high ticket items like an ATV or SUV and an interested buyer would pay for it.“The couple thought they had purchased an ATV for ,000 off of Craigslist and that, you know, I had sent them my information to confirm that I’m a real person and to put that money into my account.”The bank froze their accounts and unfortunately, John and Marie had mixed their own money into those accounts, too."We have no money because the bank took all of our money," said Marie.They contacted the FBI and local law enforcement. KMGH reached out to the FBI about John and Marie's case, but they wouldn't comment. KMGH also emailed and called Golden Potatoes, but received no response and were hung up on, respectively."I took the brunt of this. I don't want it to happen to anyone else," said John.Silver Oils and Platinum Oils are both companies linked to Golden Potatoes and have the same address listed for business in Portland. The BBB recently cited Platinum Oils.For more information about common scams via Wells Fargo, visit this page. The FBI has compiled a list of the most?common fraud schemes and it includes tips on how to spot fraud so you don't become a victim. 3728
AUSTIN, Texas -- Valarie Allman has been throwing discus for 10 years.“When you throw a discus it takes about two seconds, and it’s a combination of power, of grace, of strength… I like to think of it as a dance still," Allman said.She started sophomore year of high school. But it’s her dance background that she credits for her quick progression in the sport.“I had a weird knack for it," Allman said. "I think all those years of learning choreography and spinning and doing pirouettes weirdly carried over to the discus, and it kind of just seemed like a good fit right from the start.”Multiple days every week, she trains hard in the gym guided by her coach Zebulon Sion.“I’m responsible for every facet of her training," Sion said. "So that includes the strength-training concepts, if we do any type of running, fitness oriented things, plyometrics, and then of course the actual throwing.”Their chemistry is undeniable.At only 25 years old, Allman is considered a pro athlete. Her rigorous training is fueled by her desire to be a part of the next Olympics.“When I graduated college, I think that was the motivation to keep training. I missed the team in 2016 by three feet and it was kind of in that moment that I realized that I really wanted to try again,” Allman said.Consistency, discipline, attention to detail. Allman’s focus didn’t falter until she found out the 2020 Olympics had to be postponed.“It was pretty heartbreaking," Allman said. "I mean, to feel like you’ve put in so much to be prepared for it and to be healthy and to do everything right to feel like you’d have a chance to make the team and then for it to be postponed I think it kind of just made me question everything.”“Her motivation to throw kind of was gone a bit for her for a while," Sion said. "And then we kind of got to a point after a month, month-and-a-half of training going well in terms of lifting and training -- our goal was to get fit, get strong and refine the technical model that she has to get to a point where we could be at our best if that opportunity would come.”That opportunity did come. On August 1st in Rathdrum, Idaho, Allman beat the Women's Discus American Record.“I threw 70 meters and 15 centimeters, and the previous record was 69 meters and 17 centimeters.”The three-foot difference that kept her from qualifying for the Olympics in 2016 is the difference she surpassed to become the first and only American woman to throw past 70 meters.“When you’re throwing that type of distance, three feet is significant. So to break it by almost three feet was huge actually,” Sion said.“When they measured the throw and they read out the numbers and it started with a seven I instantly burst into tears. I was absolutely shocked,” Allman said.Allman says 70 meters is the ultimate barrier. In the past 20 years, only two other women in the world have thrown past 70 meters.“Now looking back it’s wild the think it was just a sliver of a difference of giving up when we were on the brink of something incredible,” Allman said.“We could have called it we could have said 2020 is a bust ya know let’s move on," Sion said. "But the amount of time, energy, effort all the things to put in over five months of uncertainty and then for that to happen – I don’t know if I could be more proud.”The same day of her record-breaking throw was the exact day she would have been competing in Tokyo had the Olympics continued. However, with her dedication to improvement, Sion believes there’s a great future ahead of Allman.“I mean I think the goal is just to throw farther and to keep throwing far more often. I mean it’s pretty simple,” Allman said.Even more simple when you’re having fun. 3692
AURORA, Colo. — Three Aurora police officers under investigation for a photograph taken near the site where Elijah McClain struggled with officers were seen in the picture imitating the carotid hold used on McClain by police before the 23-year-old Black man died last August, two sources with knowledge of the situation told KMGH on Tuesday.Neither source had personally seen the photograph of the officers as of Tuesday afternoon, though they were aware of what the photograph showed.Aurora Interim Police Chief Vanessa Wilson on Monday night announced the officers were being investigated for a photograph but declined to say what the photograph showed.Aurora Mayor Mike Coffman on Tuesday tweeted that he was "deeply concerned over the facts surrounding the photographs," but Coffman also did not detail what was shown in the photographs.The officers were notified of their disciplines on Tuesday morning, the sources told KMGH, but the punishments were not yet public. Officers have a three-day period to appeal the discipline, the sources said.The picture depicting the involved officers was sent in a group text to other officers before it was reported to police officials, the sources said.Earlier Tuesday, Aurora police spokesperson Officer Matthew Longshore said the photos were reported to the department by a fellow Aurora officer, which the sources said occurred last Thursday. He said the police chief review board – comprised of the department’s three division chiefs and the deputy police chief – were reviewing the photos and will make a decision on whether, or how to, punish the officers.Longshore said that the officers could potentially be terminated depending on the review board’s decision. Officers would also be able to appeal the decision.The investigation will be “publicly released in its entirety promptly upon its conclusion,” said Wilson, adding the investigation will include reports, photographic evidence, officer’s names, “and my final determination which can rise to the level of termination.”Mari Newman, the attorney for McClain’s family, said in a statement Tuesday morning that APD found “a new low.”“This is a department where officers tackled an innocent young black man for no reason, inflicted outrageous force - including two carotid chokeholds - for fifteen minutes as he pled for his life, joked when he vomited, and threatened to sic a dog on him for not lying still enough as he was dying,” Newman said in a statement. “They tampered with their body cameras to hide the evidence. They exonerated the killers. They deployed riot police and spewed pepper gas on peaceful protestors at a vigil of mourners playing the violin. And now this.”Omar Montgomery, president of the Aurora branch of the NAACP, said Tuesday afternoon that he had not seen the photographs in question but said the issue "is something that further erodes that relationship" between Aurora police and the community.Monday’s announcement was the latest in a series of public relations disasters over the past year for the embattled police department.Earlier Monday, Wilson spoke to KMGH and other local news outlets after her officers pepper-sprayed protesters during a Saturday demonstration in which hundreds gathered to demand justice in the death of the 23-year-old, who died after the encounter with police in August of last year. Wilson made no mention of this internal affairs investigation Monday evening, despite pledging to show transparency and rebuild trust in the department when she took on the job at the beginning of the year.Wilson defended the actions of the officers, claiming agitators were throwing rocks at officers and were trying to breach fences protecting the Aurora Police Department headquarters.Coffman has called for a special city council meeting Tuesday to hear from police about their response to Saturday's protests over the death of Elijah McClain. Attorney General Phil Weiser was named as the state's independent investigator in the case last week.Gov. Jared Polis said at a news conference Tuesday afternoon that it was important for law enforcement agencies across the state to develop trust with the communities they serve.This story was originally published by Ryan Osborne and Jennifer Kovaleski at KMGH, with contributions from Adi Guajardo and Oscar Contreras. 4328
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