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Car buyers are noticing fewer 0% APR financing deals for both new and used cars.Why? Edmunds, the online information spot for everything cars, says dealerships are now offering deals to buyers paying in cash. "The better economy is driving interest rates higher, and that's because the fed have elevated interest rates," says Tim Jackson, with the Colorado Automobile Dealers Association. Jackson believes there are always downsides for consumers in a thriving economy, and this is an example. Right now, the average APR is 4.21%. So, if your car cost ,000 and you want to pay it off in 5 years, your monthly payment would roughly be 5. However, if you changed that APR to 0%, your monthly bill would be about 0. That's a savings, which is a significant difference annually. If buying a new car is something you want to do, Jackson says there are a few things you can do to insure the best deal in this economy. First, keep a good credit score. Second, choose the vehicle with the best incentives.  1079

Carnival Cruise Lines announced Monday it will continue a suspension of operations in North America through the end of September amid the spread of the coronavirus.The cruise line’s decision takes its suspension well past a US government-mandated prohibition on cruises. The CDC issued a 100-day no-sail order on April 15, which is set to expire on July 24. It’s unclear whether the CDC will extend the order.Cruise ships became the site of several early outbreaks of the virus, causing passengers on board a number of ships to be quarantined as officials tried to determine how to safely allow passengers to disembark.The issue with outbreaks of COVID-19 have lingered on cruise ships as hundreds of crew members have remained quarantined on board ships for months.“Carnival is giving guests who wish to move their booking to a later date a rebooking offer that combines a Future Cruise Credit (FCC) and either a 0 or 0 Onboard Credit (OBC) that has proven very popular with their guests,” Carnival said in a statement. “Guests, as always, have the option to receive a full refund. The process is fully automated so that guests can submit their preference online and they have until May 31, 2021 to make a selection.”Whether Carnival is able to resume operations in October remains in doubt. Leading infectious disease experts expect cases in the fall to surge again. 1382

Cheddar's Scratch Kitchen has announced a data breach that could affect customers who ate at the restaurant late last year or early this year.The restaurant said on Aug. 16 Cheddar's learned that between Nov. 3, 2017 and Jan. 2, 2018 an unauthorized person or persons gained access to payment card information in the following states: Alabama, Arizona, Arkansas, Delaware, Florida, Illinois, Indiana, Iowa, Kansas, Louisiana, Maryland, Michigan, Missouri, Nebraska, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Texas, Virginia, and Wisconsin.The affected information involved payment card information and payment card numbers.Information from about 567,000 payment card numbers may have been exposed through affected restaurants, according to Reuters.More information can be found here.  849

CHICAGO -- One sector of the economy that skyrocketed as the pandemic hit is now seeing global shortages. Demand for bikes is nearing all-time highs. And if you’re in the market for a new two-wheeler, it may be months before you can wrap your fingers around some handlebars.Bicycles seem to be everywhere, unless you’re trying to buy one.At Edgebrook Cycle & Sport in Chicago, bikes have become a hot commodity during the pandemic.“It has been off the charts. It's unprecedented,” said owner Jim Kirsten.So much so that there’s a critical shortage, not just in the Windy City, but everywhere.“We have about 10% of our usual inventory and our service work which you see kind of surrounding me here is about 300% where it normally is,” said Kirsten.In fact, bike racks at retail giants like Walmart, Target and Dick’s Sport Goods are almost completely bare.Online vendors like Torrance, California-based Sixthreezero say demand for their bikes has jumped 800%. They’ve had to triple their staff to handle the increased interest.April sales for traditional bikes, indoor bikes, and other accessories grew by 75% compared to the same time last year and reached billion for the first time in a single month.Industry experts say commuters abandoning public transportation, gym closures and the search for socially distanced recreation created a perfect storm.Today’s bike boom, they say, is one not seen since the oil crisis of the early 1970s.“Mid to low price bicycles are just wiped out across the country,” said Jay Townley, a consultant with Human Powered Solutions. Townley spent much of his 60-year career at Schwinn and as president of Giant Bicycle Company.“Along with new bike sales, bicycle repair has skyrocketed. There are a lot of shops if you call around the shops in your area, you'll find a lot of them are weeks out for repair,” he said.Townley says the U.S. bicycle market is import dependent with more than 90% coming from China.Punitive trade tariffs, supply chain disruptions and lackluster 2019 sales caught manufacturers off guard and forecasts didn’t predict the increased demand accelerated by the pandemic.“Now, we're in a phase where we're trying to get that pipeline to replenish those inventories and that's going to be extremely difficult as we go forward,” said Townley.It could be late fall before supply catches up to demand. In the meantime, buying used may be the best way to pedal forward. 2431

CHICAGO, Ill. – A futuristic innovation is changing the way doctors set broken bones. A startup company called Cast21 has created a new type of cast that completely overhauls its plaster and fiberglass predecessors. It takes just minutes to put on and lets patients enjoy an active life, even allowing them to swim and shower with it.A couple of weeks ago, 12-year-old Jett Karrick took a hard fall during a basketball game.“He went over and stopped himself with his left hand and he ended up having a bicortical radius fracture,” said his father Tony.A trip to the emergency room put him in a traditional fiberglass cast, but he was instantly unhappy.“Was itching quite a bit,” said Karrick. “He didn't like the way it smelled, the whole drama associated with getting in the shower and the garbage bag.”An internet search led the Karricks to the innovative new cast, a futuristic sleeve that's waterproof, lightweight and breathable.“This product is completely waterproof. You can wash your hands, shower, jump into a hot tub, go to the beach, and it'll dry right off afterwards,” said Ashley Moy, CEO and co-founder of Cast21. The company believes it could make smelly and itchy plaster casts a thing of the past.The casts start with a flexible hollow net sleeve.“So, we're going to be able to move your arm and whatever orientation we need to best keep the bones and fractures in place,” said Moy.Then a proprietary liquid is pumped into the cast’s tubes.“The liquid is going to take up any of the negative space that you had in there so that we can get a really acute and comfortable fit for you,” she said.Within minutes, the cast hardens.Earlier this week, Jett got his old cast removed and a Cast21 as a replacement.“This cast just gives me a lot more freedom. It lets my hand breathe and it doesn't stink as bad.”Nine-months into production and Cast21 is available in 13 states. While the Karrick family's insurance is covering the high-tech cast, costs can depend on the individual provider.“Our process is also way more efficient to apply and remove,” said Moy. “It's about six times quicker to put on and it only takes seconds to remove.”No saw is needed.And while the immobilization net is currently only available for lower arm fractures, the company says they are currently in research and development on new sleeves for other limbs. 2355

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