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What are Apple’s Black Friday 2020 plans?As we all know, Apple doesn’t have “discount” in its DNA. While Apple tempts us with its latest technology, Black Friday deals often come from retailers clearing out last-generation inventory. Apple has introduced the iPhone 12 Pro and iPhone 12 Pro Max, but any discounts you find will likely be tied to contracts with carriers.All of which means you might have to do a little more work to find Black Friday deals on Apple tech. We’ve done some of that shopping reconnaissance for you.What are Apple’s Black Friday 2020 deals?Here’s what we know so far:AT&T is offering a credit up to 0 on an eligible smartphone trade-in with an upgraded or new line and the purchase of an iPhone 12.Best Buy will be offering discounts up to 0 on select MacBook Pros and up to 0 on select iPad Pros (through Nov. 28).Walmart will have AirPods Pro for 9 ( savings) and Apple Watch Series 3 (GPS) for 9 ( savings), both online only.Amazon hasn’t leaked any significant Apple discounts yet; off here, there. The best we’ve found is a 2017 model iPad Pro for 0.84 (.16 savings).How can you save money on Apple products?Here are a couple of ways to save on Apple products. First, with an Apple Card, you can get 3% cash back when you buy directly from Apple. You’ll also have the option to pay in monthly installments with zero interest charged, with approved credit.And iPhone or iPad owners can receive up to a 0 credit toward the purchase of a new Apple product with Apple Trade In.What were Apple’s Black Friday 2019 deals?Apple products are customer magnets during the holidays. Here are some of the Black Friday specials from last year:Apple offered gift cards ranging from to 0 with the purchase of select Apple and Beats products.HomePods were discounted to 9.99 (regularly 9).Target featured a 0 gift card with the qualified activation of an iPhone 11 or iPhone XS with Verizon or AT&T.Walmart sold the Apple Watch Series 3 (GPS) 38mm for 9 (regularly 9).More From NerdWalletSmart Money Podcast: The Holiday Shopping EpisodeIPhone Black Friday 2020 Deals: Are They Worth It?Cell Phone Black Friday 2020 Deals: Are They Worth It?Hal M. Bundrick, CFP is a writer at NerdWallet. Email: hal@nerdwallet.com. Twitter: @halmbundrick. 2332

With Halloween fast approaching, and pandemic safety precautions still in place around the country, it can be difficult deciding how to celebrate this year.A website, Halloween2020.org, backed by the not-for-profit Halloween Industry Association, offers helpful ideas and suggestions to entertain based on geography and current COVID-19 levels.“With the convergence of a full moon, a blue moon, daylight savings time and Saturday celebrations — plus the unprecedented events of this year — Halloween 2020 will truly be one to remember. Much has changed … but our love for the fun, fright, and delight of Halloween is strong as ever,” the website reads.The site features a color-coded map with information provided by the CDC and Harvard Global Health Institute of COVID-19 cases in every county in America. Based on the color, different activities are recommended.Red, or high COVID-19 rates, can celebrate in person with a small number of friends adhering to local safety orders, or keep it to house residents only with a costume-required dinner, scavenger hunt around the house to entertain the kids, some Halloween-themed karaoke, or a night of scary Netflix shows.In counties designed as orange, consider sitting outside in costume as friends, neighbors and family walk or drive by with candy. Or, get together with neighbors to create a neighborhood candy hunt, complete with a treasure map.As COVID-19 rates decrease, the ability to celebrate with others expands. Including curbside or garage trick-or-treating, face mask parties, or outdoor costume parties.Stay safe, even while celebrating, by taking simple precautions.Recommendations from the HIA and CDC include adults placing candy on a clean table and allowing kids to grab it themselves, remain six feet away from other people not in the same household, carry hand sanitizer and use frequently, then remember to wash hands thoroughly before enjoying any candy or treats. 1942

While the national unemployment rate hovers around 10 percent, military spouses are at 30 percent. The Military Family Relief Initiative aims to help, offering million in support. It's a historical donation and more than two-dozen organizations will benefit.When the pandemic hit, it was the National Guard handing out food, helping at blood centers, and helping states during periods of civil unrest.You'll see the guard, but what you don't see are the people who support those National Guard members.“We had the largest deployment of National Guard ever in our history,” ? says Kathy Roth-Douquet, a military spouse and the founder and CEO of Blue Star Families.On top of that deployment, other military service members are facing stop order movements because of the pandemic.“All the folks who were deployed and due to come home, they couldn’t come home and people had deployment extended for three months or more,” Roth-Douquet said. “So that family whose spouse had been home with their kids suddenly found their kid out of daycare, out of childcare and that spouse that was supposed to help couldn’t come home.”With so many spouses stuck, Roth-Douquet launched Blue Star Families back in 2009 because she, like many military families, needed help.“We found ourselves living a lifestyle with our families that required a very heavy for lift for us,” Roth-Douquet said. “It’s an honor to serve your country, but you have a responsibility for your family to thrive. Many of us felt that we couldn’t do both.”Blue Star Families offers a solution, a way for society to help, through community by connecting families and military spouses with people who can help your every need."Military families lives are difficult without a pandemic, we do a big mission around the world and then you add the pandemic to it, the stress on the children, the family separation that’s been compounded, the unemployment has been compounded, it’s a tough time for military families. This relief makes such a difference,” Roth-Douquet said.Blue Star Families teamed up with USAA to survey military families every week for 10 weeks. They figured out where the problems were, and are. USAA then committed million to the Military Family Relief initiative, which will help two-dozen military and general aid non-profits, including Blue Star Families. It’s the largest one-time philanthropic contribution in USAA"s nearly 100-year history.“This million will help augment the reduction in fundraising and the increased need that’s happening with military families,” said Harriet Dominique, who manages philanthropic strategies and contributions for USAA.“We know that military families as they’re serving our nation taking care of us and our freedoms have challenge and stressors. Those challenges have been increased by financial impacts and career and employment impacts of COVID-19,” Dominique said.For Dominique, this is personal. Her dad and brother served and her nephew is a reservist. Some of the organizations that will benefit are the Navy-Marine Corps Relief Society, The Institute for Veterans and Military Families, and "Hiring Our Heroes.”“When we talk about military spouses who have lost their job because of COVID and we know their service member and they need financial stability and the investment in hiring our heroes for financial security, we know we’re making a difference,” Dominique said. 3408

When scrolling through your Instagram feed, there's a good chance you've seen photos of friends posing in front of giant works of art on the sides of buildings. These colorful murals are a great way for an artist to make a name for themselves. But beyond that, the murals can be great for a neighborhood and its businesses.Tracy Weil is midway through his latest project: a 125-foot long mural in Denver’s River North Arts District.Murals like Weil’s do more for a neighborhood than add a splash of color to an otherwise dull brick wall."It can really kind of give an identity to a neighborhood, which I think is pretty fantastic,” says Weil. “If there’s not a lot of people there, not a lot of restaurants, what the murals do is they start to draw people. And they start to draw business."That’s exactly why the events center and nightclub behind the freshly-painted wall hires artists like Weil."I think it’s a great way to bring attention, to not just your specific business maybe, but to a neighborhood, to a region," says Andrew Feinstein, owner of EXDO Events Center and Tracks nightclub. “Regardless of what murals cost, it’s absolutely the right investment."And it’s an investment that's paying off, particularly when it comes to presence on social media. John Beldock, owner of a local motorsport store and body shop, says their mural of Evel Knievel has seen its share of Instagram tags."Branding-wise, it really adds to what people think about us," says Beldock.“It’s exiting to be a part of it; it makes a great selfie or Facebook profile pic or Instagram post,” says Weil. “And people really get into it.” 1631

What happens when the pandemic and flu season collide? The situation has doctors concerned.“You could possibly have both and we don’t know how bad it will be if you have both,” said Dr. Richard Pan, a pediatrician and California state senator. “Many physicians and scientists are concerned because both of the viruses attack your lungs and heart.”California already had its first flu death this season and Pan is pleading with the public to get the flu shot this year.It's unknown how someone who had COVID-19 will react with the flu.“Even if they were asymptomatic, will the flu be a lot worse for somebody who already had COVID? Because of the damage COVID already did to the lungs and heart that perhaps the patient is not fully recovered from,” said Pan.The Centers for Disease Control and Prevention has ordered extra flu vaccines. They're widely available now and it's recommended you get one before the end of October.Normally, vaccine rates for the flu are around 40%. Pan says it should be double that.“If you have someone who is not vaccinated, then they're going to be much more likely to transmit that flu virus to the person that had COVID,” said Pan.Pan also says it's going to be difficult to figure out if you have the flu or COVID-19 or both, without testing.Make sure you isolate if you have any symptoms. You can spread both the flu and COVID-19 before you develop symptoms.It takes two weeks after the flu vaccine to develop antibodies.Some hope the U.S. flu season will be milder because of mask wearing, hand washing, and social distancing. Other counties have seen that. 1601