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The National Retail Federation expects the average shopper to spend roughly ,000 on gifts this Christmas —up about from the year before.You could end up spending even more, depending on how you pay for it.According to the U.S. Federal Reserve, nearly half of Americans say they couldn't cover an emergency expense over 0. Consumer protection attorney Gordon Leech explains how the interest rate can vary wildly after those flashy offers expire."Good credit helps you it certainly helps you but it doesn't mean that whoever you're getting the credit from is actually giving you the best rate you ought to get," Leach said.Layaway is another option to get what you want without it affecting your credit or paying interest.The Better Business Bureau Serving Wisconsin points out the drawbacks include down payments and fees."What if you're halfway through and you decide you don't want it anymore what kind of refund do you get? Do you get any of it back do you get all of it back?" said Jim Temmer, president of BBB Serving Wisconsin.The number one point the BBB president says is to make sure to stick to your budget. As hard as it is, do not buy what you cannot afford. 1191

The Justice Department is preventing Senate investigators from interviewing two top FBI officials who could provide first-hand testimony over the firing of former FBI Director James Comey, the latest sign that Special Counsel Robert Mueller could be investigating the circumstances around the firing, officials tell CNN.The previously undisclosed turf war comes as the Senate judiciary committee has not yet given assurances to the special counsel's office that it could have unfettered access to the transcript of the interview it conducted last week with the President's eldest son, Donald Trump Jr., saying that the full Senate must first authorize the release of the information to Mueller's team. 709

The mother of mail bomb suspect Cesar Sayoc writes that she is estranged from her son but hurt by his alleged attacks, and she calls on the country -- specifically, President Donald Trump -- to tone down the nasty rhetoric.She further warned that the political vitriol -- particularly talk of "war" against the media and political parties — could resonate with the mentally ill, like her son, and inspire them to "violently act out in our country," Madeline Sayoc wrote in an open letter to television network ABC, which published the correspondence Sunday night.Madeline Sayoc also said that her 56-year-old son's relatives had tried, to no avail, to get him help, and that American families need better laws to allow families to "compel and require" treatment, when necessary.Here is the full text of the letter: 822

The largest nutrition study in the world could change the way people eat as researchers indicate that your genes aren't the reason for your weight loss or gain.Susan Kim, 49, an Illinois mom, wife and teacher who was flat out fed up, and tired of struggling with her weight, a problem she's battled her whole life.“I was scrolling through my phone one day and I saw this study that I started reading- and I was intrigued,” Kim said.She admits she also wanted to prove a point to her husband of 20 years."He has maintained if I would only eat what he eats then my problems would be solved and there’s sugar in his food too and that’s a lie. That’s not the key,” Kim said.She signed up to be a part of The Predict Study commissioned by King’s College in London. A research team sent her everything she needed, including a box with a way to submit her blood, saliva and glucose.Researchers say the Predict study has allowed them to predict an individual's response to food.“The study showed us there’s no such thing as an average person-when it comes to food, we’re all different and unique and this is not something that food manufacturers or anyone else wants to tell you they want everyone to be the same,” Dr. Tim Spector, who is a senior researcher.Spector and his team of scientists gathered huge amounts of data, using Zoe, a data science company, and artificial intelligence to personalize nutrition.“The idea was to come up with enough information from research from very large studies around the world- and put it together in a format used in advertising and internet based procedures that would come up with algorithms that would tell an individual what the best way to eat is,” Spector said.The team worked off of probabilities, but they also have lots of new technology to use.“We can look at your gut microbes in a very detailed way,” Spector said. “We have glucose monitors that will tell you what your glucose level is. We’ve got finger prick tests people can do at home that will tell you what your blood fat is doing. We’ve got exercise monitors, sleep monitors and apps that record everything you’re doing and how you’re feeling every minute of the day.”There were identical twins in the study who had different responses to food. Hollywood actress Dame Emma Thompson also participated in the study."She has a big interest in health in general and as an actress, is always conscious of her health and her weight and wanted to find out more about nutrition,” Spector said about Thompson. “She claimed to have been on every diet under the sun and wanted to learn what the latest cutting-edge science was.”Spector says Thompson is doing well and is thoroughly enjoying what she's learning about her body. The personalized plans developed from the Predict study help you eat food that reduces inflammation. It's based off your biology, not deprivation popular fad diets.It's also not a diet or calorie restrictive plan, according to Spector.“We’re talking about every time you have French fries or too much carbohydrates or a big fatty load that stresses your blood and metabolism and if you keep getting these stresses, it builds up long term inflammation in your body,” he said. “Your body is always stressed and reacting like its infected or fighting something.”Kim has lost about 12 pounds in 5 weeks, and says that's purely by logging food, using the soon to be launched Zoe App and paying attention to how her body responds to certain foods. The at home test kit is based on tests but allows people to pay attention to their own biology.For Kim, that meant paying attention to what things caused her blood sugar to spike, and which meals are the best for her to function.“It’s personalized just for me,” Kim said. “It cuts through all of the confusion of what to eat. It’s incredibly simple, I’m never hungry or deprived (with) no emphasis on counting calories no buying packaged meals.”Researchers say they've got an explosion of data that will move dieters from the stone age to the modern world of nutrition, one that reduces a short term problem, for long term results. Zoe is accepting people for its waitlist and will be available this July.“I can stay on this for life I really feel like that,” Kim said, attesting to the smartphone app’s effectiveness. 4286

The ObamaBiden Administration was the most corrupt in history, including the fact that they got caught SPYING ON MY CAMPAIGN, the biggest political scandal in the history of our Country. It’s called Treason, and more. Thanks for your very kind words Michelle!— Donald J. Trump (@realDonaldTrump) August 18, 2020 319