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Whether you hate tootsie rolls or licorice, the truth is we've all received Halloween candy we don't like. But this year, Reese's is coming to the rescue with their very own candy exchange machine."Reese's Halloween Candy Converter Machine" was first released to the public on Sunday, October 28, during a Halloween parade in Tarrytown, New York.The machine allows people to trade in the candy they don't want for Reese's Peanut Butter Cups.But why is Reese's helping us with our candy struggles this year?Well, according to a recent survey commissioned by Reese's, 90% of Americans say that they have traded, or wish they could have traded, their unwanted candy on Halloween, Anna Lingeris, a spokeswoman for Reese's distributor Hershey, told CNN. 756

When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886

What impact will the new administration have on your money? Experts think another relief package could be one of their first actions in office.“There are a variety of ideas by lawmakers on both sides on how to either build on those ideas or even use new ideas, for example, expanding the child tax credit, and the earned income tax credit to help with economic relief,” said Garrett Watson, Senior Policy Analyst at Tax Foundation.The earliest anyone would see additional stimulus money would be early next year, separate from a stimulus bill.The Biden campaign talked about increasing overall spending or raising taxes on wealthier Americans and businesses to pay for it.“The most likely ones being the corporate tax increase raising from 21% up to 28%, and bringing the top individual income tax rate from 37% up to 39.6%, where it was prior to the Trump tax law in 2017,” said Watson.Which party has control of the Senate will impact if taxes are raised. Same goes for possibly raising the federal minimum wage. Congress would need to approve that.Experts say that likely puts us into 2022 before any major financial changes would take place. That's also the midterm elections and when another shift in balance of power could happen.Something that could affect your money and gain bipartisan support is changes in retirement savings.“The Biden campaign has come out with an interesting retirement proposal that if it did get traction, it would change the way traditional retirement accounts work by essentially converting the deductibility under current law of those traditional retirement accounts when you contribute into a matching credit instead,” said Watson. “And so that would change the way in which folks operate their traditional retirement accounts.”Bottom line, the outcome of the remaining Senate races will determine any changes to either providing or taking more money from Americans. 1910

White House chief of staff John Kelly personally denied calling President Donald Trump an "idiot" in an afternoon conversation with the commander in chief, relaying nearly the same statement in his face-to-face talk with the President as the one he released publicly, according to an administration official.An NBC report published Monday claimed, among other things, that Kelly had said during an immigration-related meeting that he needed to "save (Trump) from himself" while insulting the President's intelligence by calling him an "idiot.""I spend more time with the President than anyone else and we have an incredibly candid and strong relationship. He always knows where I stand and he and I both know this story is total BS," Kelly said in a statement. "I am committed to the President, his agenda, and our country. This is another pathetic attempt to smear people close to President Trump and distract from the administration's many successes."The situation is similar to when reports surfaced that then-Secretary of State Rex Tillerson called Trump a "moron."But the White House official pointed out a big difference between the Kelly incident and Tillerson -- Kelly immediately denied the report and denounced it to the President's face. Tillerson declined to do so, simply saying he wouldn't play that Washington game. 1348

When professional team sports resume later this month, a number of MLB and NBA players have decided not to return to action.Over the weekend, pitchers Felix Hernandez and David Price became the latest MLB players top opt out for this year’s baseball season, which is slated to begin within three weeks.Hernandez said,” Never before has an entire MLB season depended so much on everyone in the league’s involvement. Let’s be responsible and keep each other safe. It’s not just for us, but for the game and our own families.”Price also cited concerns about his family on why he opted to sit out the 2020 season.“After considerable thought and discussion with my family and the Dodgers, I have decided it is in the best interest of my health and my family’s health for me to not play this season,” he said.Other professional athletes have expressed concern over the return to sports. Angels star Mike Trout has been seen wearing a mask during on-field workouts.MLS goalkeeper Matt Lampson said athletes aren’t as invincible to the coronavirus as it appears.“For everyone in the ‘These are pro athletes. There is no risk. Nothing happens to them if they get the virus camp - I am high risk,” Lampon tweeted. “And I know for a fact there are multiple others at MLS is Back that are as well - including other players on their way here. This is serious.”Other MLB players confirmed to not participate in the upcoming season include Ian Desmond, Ryan Zimmerman, Joe Ross and Nick Markakis.NBA players who have opted out include Victor Oladipo and DeAndre Jordan. With the MLB, NHL and NBA all scheduled to begin within the next four weeks, the leagues will be heavily relying on frequent COVID-19 testing in order to prevent spreading the virus to other players. 1762