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Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701
When Allison Weiss Brady and Michael Ladin emerged from weeks of locking down during the pandemic, they needed new clothes in new sizes — for different reasons.Brady, 49, a charity fundraiser from a Philadelphia suburb, had been pulling back on her candy buying sprees during the lockdown and stepped up the cardio workouts at her home gym out of boredom. She lost 20 pounds and went down two sizes. In contrast, Ladin, 58, of Oak Park, Illinois, gained 10 pounds this past spring after sitting around eating chips and dip.“I’m not surprised. If I don’t work out consistently, I gain weight,” said Ladin, who works in marketing.Many Americans like Ladin and Brady are changing clothing sizes depending on how they spent their time sheltering at home. And brands from Levi Strauss & Co. to lingerie label Cosabella are taking note. So are body measuring technology companies, which report that shoppers are changing their measurements on their online profiles.The trend could be good for clothing companies — new sizes likely mean that customers’ wardrobes need to be updated. But retailers, already feeling the pain of decreased spending during uncertain economic times, are also facing an increase in costly returns as shoppers try to figure out their new sizes.“Anecdotally, we’re seeing shoppers come back into stores unsure of their size,” said Marc Rosen, executive vice president and president of Levi Strauss Americas, in a statement to The Associated Press. “For most, it’s been a long time since they’ve tried on a pair of jeans, and they may be up or down a size.”Some companies are even adding larger sizes in response to shoppers’ gaining weight, or what has been dubbed COVID-15.Guido Campello, co-CEO of luxury lingerie brands Cosabella and Journelle, said that his two brands have been adding more generous cuts of some of its most popular styles in bras and sleepwear in recent weeks because of interest from its 2,100 store accounts. Loyal customers at its store locations are also requesting new sizes while making more exchanges.Size fluctuations are bearing out in data from body measuring app Perfitly LLC. It cites a 20% increase in users redoing their avatars in April and May, compared with the same period a year ago, according to the company’s co-founder and CEO Dave Sharma. That spike is similar to what it sees in January after the winter holidays, he says.“Because it is a huge spike, we think it is because of the weight gain,” said Sharma, whose app has about 50,000 users nationwide. “They are sitting around, they don’t go to the gym, and they don’t go for jogs.”Fit Match, a startup firm that’s rolling out 3D technology to scan customers bodies at malls, found only one-third of the hundred women it surveyed in Texas where it piloted its first program had no weight change during the lockdown, says founder and CEO Haniff Brown. Of the remainder, 15% gained more than 5 pounds, while 20% lost more than five pounds. Brown called this change “pronounced,” noting two-thirds of customers typically don’t have any weight change during such a short time period.Narvar Inc., a software company that powers returns for more than 200 brands, says online returns have doubled from mid-March to early June, according to founder and CEO Amit Sharma. Retailers face more than 0 million in expenses from the additional returns in the second quarter, in part because of sizing issues but also because of buyers’ remorse and shipping delays.Brady took advantage of sales and spent several thousands of dollars in recent weeks on a new wardrobe that included, T-shirts, inexpensive summer dresses, and designer sweatshirts. She also sent her new measurements to her personal shoppers at Neiman Marcus and Saks.“I feel great. My (old) clothes are huge,” said Brady, who hadn’t modeled in years but was recently hired on by a local agency.Still, weight fluctuations may be here to stay as surges in new cases around the country force states like California to re-close businesses like gyms and encourage shoppers to shelter at home again.Lauren Wire a 32-year-old publicist who lives in Manhattan, says she worries that another lock down could keep her gym closed during the winter months.She gained back 12 of the 50 pounds she lost leading up to the pandemic because she was ordering in a lot from restaurants and partaking in social distance cocktails with friends. She says she bought new shorts and swimwear when she gained the weight but now she’s starting to shed pounds again by biking outside.Ladin went to a local Kohl’s to buy several pairs of shorts.“This will be enough to get me through the summer,” he said, trying on his new clothes in the Kohl’s parking lot because the store’s fitting room was temporarily closed out of safety concerns. “I am not buying any more clothes until I lose weight.”__________Follow Anne D’Innocenzio: http://twitter.com/ADInnocenzio 4912
When it comes to car sales in California, the Golden State is looking to get a little greener.“Most of our shoppers are looking for a hybrid,” said Chris Wesney, general manager of McCarthy’s, an independent car dealership in San Luis Obispo, California.Wesney says his team sells about 75 vehicles a month with electric vehicles making up 20% of those sales.“That increases every year, year over year,” he said adding he expects that number to increase even more after California Governor Gavin Newsom’s recent executive order, which would ban the sale of gas-powered vehicles by 2035.“There’s a lot to learn when it comes to buying electric cars,” Wesney said. “The problem that I foresee for some vehicles dealers is the repair facilities.”The state’s mandate has industry leaders shifting gears, and it’s raised questions inside Cuesta College’s automotive technology department.“To just simply say, ‘yes, we’re going to do this’ without looking at all other implications kind of makes me a little nervous,” said John Stokes, division chair of engineering and technology at Cuesta College.Stokes says he supports this decision to move away from fossil fuels in theory, but in reality, he’s questioning everything from how to replace gas taxes to adding enough related infrastructure.“There are so many things that are still question marks on how to be able to do this,” he said. “Do we have the production to satisfy the electricity? Do we have the production for the battery capacity?”Other auto industry leaders are also speaking out about this proposed change.“I certainly understand big, bold ideas but only when they’re affordable,” said Cathy Reheis-Boyd, president of Western States Petroleum Association.Reheis-Boyd says right now there are 736,000 electric vehicles in California compared to 36 million cars and trucks that run on gas and diesel. She believes that taking drivers’ choices away in 15 years could cost many Americans their jobs.“I hope we can change our mindsets that’s to collaborate and bring these brilliant minds so California does have a path,” she said.A path that leads drivers back to the car lot where dealers like Wesney are preparing for the fuel of the future.“It will just be interesting to see how the powergrade and everybody adjusts to the increase demand for electricity,” he said. 2334
With coronavirus cases surging in Florida, President Donald Trump said Tuesday that he’s “flexible” on the size of the Republican National Convention in Jacksonville.The president spoke as a growing number of Senate Republicans said they’d skip the event, and even as the White House tried to tamp down nationwide concern about the virus’s spread.Asked in an interview Tuesday whether he’d want to limit the gathering if the state’s coronavirus cases continue to rise, Trump replied that the decision “really depends on the timing.”“We’re always looking at different things,” Trump said during an interview on Gray Television’s “Full Court Press with Greta Van Susteren.”“When we signed a few weeks ago, it looked good,” the president continued. “And now, all of a sudden, it’s spiking up a little bit. And that’s going to go down. It really depends on the timing. Look, we’re very flexible.”There were about 452 new reported cases per 100,000 people in Florida over the past two weeks, which ranks second to Arizona in the U.S. for new cases per capita.He spoke as Republican lawmakers increasingly expressed concern about the gathering. Republican Sens. Chuck Grassley of Iowa, 86, and Lamar Alexander of Tennessee, 80, were among those saying they would stay away from the event. The virus takes a high toll on older people.Grassley was explicit about the reason for skipping the convention for the first time in his 40 years in public office.“I’m not going to go, and I’m not going to go because of the virus situation,” he said on a conference call Monday with Iowa reporters.Alexander, who is retiring after this year, was more subtle.In a statement released by his office Tuesday, he acknowledged that choices must be made and that fewer people gathered for the event is desirable. Alexander did not mention Trump, the pandemic or the fact that health experts say the virus is more transmissible among people in close proximity for prolonged periods.“Sen. Alexander is an honorary chair of the Tennessee Trump campaign, but he will not be attending the convention because he believes the delegate spots should be reserved for those who have not had that privilege before as he has had,” the statement said.About a dozen states are reporting worrying spikes of cases. The White House is trying to tamp down the nationwide concern despite more than 2.9 million confirmed COVID-19 cases and more than 130,000 deaths.Trump has falsely declared that 99% of cases of COVID-19 are harmless, a claim that is not supported by science.Florida is one of the nation’s hardest-hit states, and hospitals are warning they’re in danger of being overwhelmed. Florida’s COVID-19 positive test rate is 18.7%, making it second only to Arizona among states where coronavirus infections are surging. According to public health experts, a rate of 10% or more indicates the virus is spreading in communities.The rate is a snapshot of current conditions, and measures like social distancing, wearing masks, avoiding crowded indoor locations and frequent hand-washing can bring it down.Florida reached a grim milestone over the weekend, with health officials reporting that more than 200,000 people have tested positive for the coronavirus since the start of the outbreak.The highest number of confirmed cases in one day came Saturday, when more than 11,400 cases were reported in the state. More than 3,700 people have died.The convention is scheduled to begin Aug. 24. Officials in Jacksonville, Florida, began requiring face masks in public a week ago.“If you want to have a convention, and I think we should have a convention, I think you should do whatever you can to make it as safe as possible, so that would be with face masks and social distancing,” Grassley said.Grassley said he plans to continue his tour of all of Iowa’s counties, visiting 29 counties during the current two-week break. He and his staff will wear masks, but he doesn’t plan on requiring it for Iowans who come to see him.“There’s no way a United States senator can force anybody in Iowa to wear a mask,” he said. “It’s going to be up to the individuals and I would say that there’s generally a rule that if you’re 6 feet apart, you don’t have to wear a mask, but I think doing both makes common sense and I’m going to encourage people to do both.”___Associated Press writers David Pitt in West Des Moines, Iowa, and Ricardo Alonso-Zaldivar in Washington contributed to this report.___Follow Kellman at http://www.twitter.com/APLaurieKellman 4509
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