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Dr. Anthony Fauci, the government's top infectious disease expert, said during a Senate hearing Tuesday that he was "very disturbed" by the recent spike in COVID-19 cases and said it's conceivable that the U.S. could see as many as 100,000 new infections a day should trends continue."We are now having 40,000+ new cases a day," Fauci said. "I would not be surprised if we go up to 100,000 a day if this does not turn around."Also during the hearing, Fauci said he's "concerned" about how some states have gone about reopening their economies and said he's observed some states "skipping steps" on federal government guidelines."I am also quite concerned about what we are seeing evolve right now in several states, Fauci said. "When states start to try and open again, they need to follow the guidelines that have been very carefully laid out with regard to checkpoints.""What we've seen in several states is several iterations of that. Perhaps, in some, going too quickly and skipping over some of the checkpoints," Fauci said.Fauci did not say which states he believed skipped checkpoints but singled out Arizona, California, Florida and Texas as containing more than 50 percent of new infections.The White House and Centers for Disease Control and Prevention have recommended that states follow a three-phase reopening plan and meet several criteria before proceeding to each phase. Those criteria include a downward trajectory of documented cases within a 14-day period and a downward trajectory of positive tests as a percent of total tests within a 14-day period.Fauci's comments came during a Senate Committee on Health, Education, Labor, and Pensions (HELP).Among the other health experts who attended the hearing were CDC Director Robert Redfield, FDA Director Stephen Hahn and Assistant Secretary for Health Adm. Brett Giroir.The hearing comes as several states struggle to contain the virus as they start to reopen amid a nationwide jump in case counts.The U.S. reported upwards of 40,000 new COVID-19 cases on Friday, Saturday and Sunday — some of the biggest daily spikes since the pandemic began.The increase is evident in more than half of the states in the nation. Florida, Texas and Arizona are getting hit especially hard.In the Sunshine State, beaches have closed for the upcoming Fourth of July holiday.For its part, Texas has begun scaling back the reopening of its economy. 2404

Doors bursting open at stores. Crowds spilling into the aisles. Elbows brushing up against others. Products flying off shelves. These are the hallmark images of Black Friday.Well, they were.That was before the COVID-19 pandemic gripped the nation. Now, the future of the biggest shopping discount day of the year is unknown.Yes, it will still happenFor many, shopping on the day after Thanksgiving is a tradition. Historically, it’s also one of the best days of the year to save money on big-ticket items like electronics and appliances.But with social distancing the norm, it’s hard to imagine shoppers camping out on the sidewalk next to one another this year ahead of Nov. 27. It’s even more difficult to picture stores overflowing with excited shoppers.Retail experts believe Black Friday will still happen in 2020, despite the pandemic. But there’s no disputing the fact that it won’t be a traditional experience.“Being there at the crack of dawn, waiting in lines, the hustle and bustle in the store — that’s probably not going to exist,” says Jane Boyd Thomas, a professor of marketing at Winthrop University in South Carolina who has done research about Black Friday.Sales will shift further onlineFor years, Black Friday has shifted to online channels, merging with Cyber Monday into a weekend-long event. The pandemic is set to further cement that transition.After months of shelter-in-place orders, consumers have become more comfortable shopping from home. That will likely lead to an increase in online Black Friday purchases this year, says Dora Bock, associate professor of marketing at the Harbert College of Business at Auburn University in Alabama.But the changes could go a step beyond that. COVID-19 has illuminated failings in the supply chain, and Thomas believes many consumers will opt for contactless curbside pickup options (as opposed to shipping to their home) to guarantee that the items they’re buying online are actually available — and not out of stock.Still, that doesn’t necessarily mean stores will be ghost towns.“They want something normal,” Thomas says of some shoppers. “I do think that will drive people to go in to see the lights, to see the trees — all the stuff that goes with that experience.”Doorbusters could be deepEven though the experience will look different, Black Friday discounts might be particularly relevant this year, especially as millions of Americans have faced unemployment and other financial hardships in 2020.While consumers have largely focused on purchasing essential items during the pandemic, Bock anticipates competitive prices on discretionary products like apparel and jewelry.Consumers might also have an appetite for traditional Black Friday categories, such as computers. Thomas expects these discounts will be appealing, considering how critical laptops have become as Americans work, learn and interact virtually from home.“There’s a large number of consumers that look forward to Black Friday because it provides them a sense of excitement,” Bock says. “People feel good when they get a good deal.”Retailers still have some planning to doThere are a number of unanswered questions about how Black Friday will look. After all, retailers are still figuring out how to market the holiday shopping season.One possibility? Black Friday may become an extended period, rather than a single day of sales, says Michael Brown, a partner in the consumer practice of Kearney, a global strategy and management consultant.“I’m expecting that Black Friday as we have grown to know it cannot exist in a COVID world,” Brown says.“I think we have to really not think about Black Friday and think more about when the launch of the holiday season will begin. I think that has to be pulled up by retailers as early as November 1,” he says.Throughout the holiday season, stores will have to perform a delicate dance. Shopping may become just as much about public health as it is about discounts.Retailers have merchandise to sell, but promoting in-store only specials could be seen as insensitive by shoppers with preexisting medical conditions, Bock points out.“I think it’s really going to be a balancing act for retailers to encourage sales, encourage people to buy, encourage trust and promote spending — but promote it in a way that shows they care for their customers’ well-being,” Bock says.There’s one more wild card, Brown says. What type of Black Friday shopping environment will state and local governments allow? Time will tell.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: COVID Impulse Spending, and Building Credit While Paying DebtProbate Workarounds Can Save Your Heirs Time and MoneySmart Money Podcast: Taxes Are Due, and How to Get Started Creating WealthCourtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. 4926

EA Sports said it will cancel three remaining Madden Classic qualifier events to review safety protocols after a deadly shooting last weekend at an event in Jacksonville, Florida."We've all been deeply affected by what took place in Jacksonville," EA Sports CEO Andrew Wilson said in a statement released Monday. "This is the first time we've had to confront something like this as an organization, and I believe the first time our gaming community has dealt with a tragedy of this nature."On Sunday, David Katz, 24, opened fired at a Madden Classic qualifying tournament killing two and injuring 10 others. Katz had competed in the head-to-head tournament but was eliminated.Sheriff Mike Williams said Katz was actively targeting other gamers. On Monday, the Jacksonville Sheriff's Office said Elijah Clayton, 22, and Taylor Robertson, 28, were killed. All of the injured are expected to survive.The shooting forces eSports events to reconsider security at their venues."I think the eSports industry as a whole is going to have to step back and take a look at further strengthening our security," CompLexity Gaming founder and CEO Jason Lake told CNN on Sunday following the shooting. CompLexity sponsored a competitor who was injured on Sunday.ESports is a massive billion-dollar industry with several hundred million fans. It's estimated that 380 million people watch the competitive sport with the bulk of fans coming from North America, China and South Korea.For EA Sports, the Madden football franchise is a huge money maker. The game has brought in billion in revenue and has sold more than 130 million units since its inception nearly 30 years ago.Gamers can make a hefty amount of money: EA Sports is offering a 5,000 prize pool with the top winner taking home ,000 at this year's tournament.The remaining qualifiers were scheduled to take place in Virginia, California and Texas throughout September. The main event was scheduled to take place in Las Vegas in October, but its unclear if that will move forward.EA Sports did not immediately respond to CNN's request for comment.The-CNN-Wire 2117

Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

Do you have a Instant Pot multicooker in your home? You may want to check if it is one of a few listed as faulty.An Instant Pot user posted photos on Facebook saying that after using it just 4 times the bottom of the machine melted and burned some of the wires instead.Scripps station KTNV in Las Vegas reached out to Instant Pot about the claims and it turns out this isn't an isolated incident. "We have received a small number of reports the Gem 8-in-1 multicooker overheating, resulting in localized melting damage to the underside of the product," said Instant Pot.There's no official recall for the cooker but the company says if your Instant Pot has one of the following numbers on the bottom it should be returned. 735