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Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071

As the saying goes, beauty is in the eye of the beholder. And when it comes to appreciating art, that may be more true than ever. It's so subjective and comes down to true appreciation. One woman understands that more than most.To Myrna Hayutin the photos on her gallery wall are more than pictures of the past. She points out some of the art on display.  "This is a limited edition signed by Carl Mydans," Hayutin said. "This is Babe Ruth the last time he put on his uniform."These are works of art."It is history," Hayutin said. "It's just knowledge."And for the last 35 years she's been selling fine art like these pieces, despite the fact that she's legally blind."I anticipate doing this for at least another 10 years," Hayutin said. "As long as my eyesight holds."Hayutin started losing her eyesight when she was eight due to retinitis pigmentosa. And over the years, it's gotten progressively worse."It's like an island," Hayutin said. "As the disease progresses the island gets smaller and smaller now I see through two straws. So you may be standing right here but I am not seeing you. Or if were talking and you move I'll lose you."Still it hasn't affected her love for art or her determination to purse it as a career."It never occurred to me to stop me from doing anything that I really wanted to do," Hayutin said.Hayutin runs a successful international fine art gallery, Gallery M, and recently became an art appraiser."I'm looking at the artwork but honestly thank goodness with my devices I can really zoom in and see them much, much better," Hayutin said.Hayutin said her dog, Gouda, helps her navigate the changes in her eyesight, but what helps most is not focusing on what could happen."I would never have opened the gallery if I was fearful of what would be instead of what was at that time," Hayutin said. "I try to live in today and use the eyesight that I have today."Hayutin said every day is what you make it."There are some days where I'm not as positive as I should be, but I try it," Hauytin said. "I try to get back on that positive I mean because I'm surrounded by all of this gorgeous art and that's very uplifting."  2212

Asked whether President Donald Trump had ever used the N-word, White House press secretary Sarah Sanders would not definitively say, instead referring reporters to a tweet."The President addressed that question directly," she said, adding, "I've never heard him use that term or anything similar."The question comes as former aide Omarosa Manigault Newman has claimed there's a tape of Trump using the racial epithet on the set of his NBC reality show "The Apprentice" -- though there is no evidence such a tape exists.Trump tweeted Monday night: "I don't have that word in my vocabulary, and never have."Pressed specifically on whether any recording of the President using the racial epithet exists, Sanders said: "I can't guarantee anything, but I can tell you that the President addressed this question directly."She maintained that Trump is someone who is "fighting for all Americans," and that his policies are helpful "particularly for African-Americans," citing African-American unemployment statistics.Sanders also claimed Tuesday that Trump's description of his former aide as a "dog" had "nothing to do with race and everything to do with the President calling out someone's lack of integrity."The "dog" comment was one of many insults the President has used to describe prominent African-Americans, but Sanders insisted Trump insults people of other races as well."The President's an equal opportunity person that calls things like he sees it," she said. "He fights fire with fire." 1501

As millions of Americans are struggling to find work, some have stopped looking and decided to create an opportunity for themselves instead.Experts believe this is evident in the sudden spike of new business applications.For example, a few months ago, Leigh Altshuler in New York City lost her job and rather than search for a new one, she decided to invest her entire savings into a business around her passion for books.“I was caught definitely by surprise,” said Altshuler. “I felt so low when I lost my job and to be able to turn this into something that makes me feel so lucky and so fortunate, is already a huge success.”Altshuler’s bookstore, Sweet Pickle Books, is expected to open by the end of October.Nicolas Bryon took a similar path.“I was working at a local restaurant here in Tampa when the pandemic hit,” said Bryon. “I was a forced layoff."Bryon and his brother recently opened a meal kit business around the chef’s homemade pasta. Starting a business together was an idea they had kicked around for years, but never had the time to flesh it out. That is, until Bryon lost his job.“Definitely had the time to slow things down and plan things out,” added Bryon.The business has taken off, providing more than a good income for the siblings.“I feel free,” he explained. "I feel a lot freer than I did a few months ago. Doing what I love, like on my own time, creating my own dishes and being financially sustained. It’s awesome.”According to data provided by the U.S. Census Bureau, across the country, there have been at least 3.2 million new business applications filed this year. This time last year, that number was around 2.7 million.“It is hard to know at the moment as to whether or not this trend that we have seen, that is very discernible, is going to continue and it is hard to know exactly what the real impact over time is going to be,” said John Dearie, founder of the Center for American Entrepreneurship in Washington, D.C.Dearie believes new businesses like Sweet Pickle Books and Pasta Packs have an uphill battle. However, if these businesses and other new ones survive, they could be a major factor in our economic recovery.“Startups are disproportionately responsible, they are not the only source, but they are the major source, but disproportionately responsible for the innovations that drive economic growth and job creation in the economy,” explained Dearie.For now, they are helping at least three people survive and find purpose in this pandemic. 2497

AURORA, Colo. — Thousands of people gathered for hours over the weekend, demanding justice in the Elijah McClain case after Colorado's governor appointed a special prosecutor to review the case earlier this week. The demonstrations were largely peaceful, but police used pepper spray on the crowd Friday evening after declaring protesters were unlawfully assembled and after what the police chief called a small group of people throwing sticks and rocks at officers.Around 1 p.m., thousands began gathering at the Aurora Municipal Center for a planned protest organized by the Party for Socialism and Liberation.About an hour later, the group marched onto Interstate 225. However, police shut the interstate down before protesters arrived. The interstate was closed in both directions from Mississippi Avenue to 6th Avenue as protesters continued to block traffic on the highway before marching onto 6th Avenue. 919

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