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Doors bursting open at stores. Crowds spilling into the aisles. Elbows brushing up against others. Products flying off shelves. These are the hallmark images of Black Friday.Well, they were.That was before the COVID-19 pandemic gripped the nation. Now, the future of the biggest shopping discount day of the year is unknown.Yes, it will still happenFor many, shopping on the day after Thanksgiving is a tradition. Historically, it’s also one of the best days of the year to save money on big-ticket items like electronics and appliances.But with social distancing the norm, it’s hard to imagine shoppers camping out on the sidewalk next to one another this year ahead of Nov. 27. It’s even more difficult to picture stores overflowing with excited shoppers.Retail experts believe Black Friday will still happen in 2020, despite the pandemic. But there’s no disputing the fact that it won’t be a traditional experience.“Being there at the crack of dawn, waiting in lines, the hustle and bustle in the store — that’s probably not going to exist,” says Jane Boyd Thomas, a professor of marketing at Winthrop University in South Carolina who has done research about Black Friday.Sales will shift further onlineFor years, Black Friday has shifted to online channels, merging with Cyber Monday into a weekend-long event. The pandemic is set to further cement that transition.After months of shelter-in-place orders, consumers have become more comfortable shopping from home. That will likely lead to an increase in online Black Friday purchases this year, says Dora Bock, associate professor of marketing at the Harbert College of Business at Auburn University in Alabama.But the changes could go a step beyond that. COVID-19 has illuminated failings in the supply chain, and Thomas believes many consumers will opt for contactless curbside pickup options (as opposed to shipping to their home) to guarantee that the items they’re buying online are actually available — and not out of stock.Still, that doesn’t necessarily mean stores will be ghost towns.“They want something normal,” Thomas says of some shoppers. “I do think that will drive people to go in to see the lights, to see the trees — all the stuff that goes with that experience.”Doorbusters could be deepEven though the experience will look different, Black Friday discounts might be particularly relevant this year, especially as millions of Americans have faced unemployment and other financial hardships in 2020.While consumers have largely focused on purchasing essential items during the pandemic, Bock anticipates competitive prices on discretionary products like apparel and jewelry.Consumers might also have an appetite for traditional Black Friday categories, such as computers. Thomas expects these discounts will be appealing, considering how critical laptops have become as Americans work, learn and interact virtually from home.“There’s a large number of consumers that look forward to Black Friday because it provides them a sense of excitement,” Bock says. “People feel good when they get a good deal.”Retailers still have some planning to doThere are a number of unanswered questions about how Black Friday will look. After all, retailers are still figuring out how to market the holiday shopping season.One possibility? Black Friday may become an extended period, rather than a single day of sales, says Michael Brown, a partner in the consumer practice of Kearney, a global strategy and management consultant.“I’m expecting that Black Friday as we have grown to know it cannot exist in a COVID world,” Brown says.“I think we have to really not think about Black Friday and think more about when the launch of the holiday season will begin. I think that has to be pulled up by retailers as early as November 1,” he says.Throughout the holiday season, stores will have to perform a delicate dance. Shopping may become just as much about public health as it is about discounts.Retailers have merchandise to sell, but promoting in-store only specials could be seen as insensitive by shoppers with preexisting medical conditions, Bock points out.“I think it’s really going to be a balancing act for retailers to encourage sales, encourage people to buy, encourage trust and promote spending — but promote it in a way that shows they care for their customers’ well-being,” Bock says.There’s one more wild card, Brown says. What type of Black Friday shopping environment will state and local governments allow? Time will tell.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: COVID Impulse Spending, and Building Credit While Paying DebtProbate Workarounds Can Save Your Heirs Time and MoneySmart Money Podcast: Taxes Are Due, and How to Get Started Creating WealthCourtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. 4926

Due to the coronavirus, 7-Eleven announced that they will not be participating in Free Slurpee Day this year.In a press release, the convenience store chain said the cancelation was because of “the uncertainties associated with the COVID-19 pandemic."”For nearly two decades, July 11th has been the busiest day of the year for 7?Eleven stores as millions of customers visit us to kick off summer with their favorite frozen drink” said 7?Eleven Senior Vice President and Chief Marketing Officer Marissa Jarratt in the release. “But this year, we have to make changes for the greater good. I hope you’ll join us for the in-person party next year.Instead, the company said they will gift one million meals to Feeding America as a birthday surprise.But don't fret - 7-Eleven said customers still have an opportunity to receive a free Slurpee in July.Consumers will need to be a member of the 7Rewards loyalty program to receive the offer, the company said. 960

Diana Farrell is the President and CEO of the JPMorgan Chase Institute, which publishes data analyses and insights that leverage the firm's proprietary transaction data. Previously, Diana was the Deputy Director of the National Economic Council, as well as Global Head of the McKinsey Center for Government and the McKinsey Global Institute. The opinions expressed are her own. The deadline to file your 2017 taxes is just a week away. But if you're one of the millions of Americans — roughly four in ten households — who filed back in February, you probably couldn't wait to get your hands on your expected refund.And there's a good chance you put that refund toward a visit to the doctor.That's according to new research by the JPMorgan Chase Institute, which evaluated when Americans in different income and demographic groups file their taxes.Americans who file their taxes early are more likely to receive a larger tax refund. Early filers were also more likely to spend a larger portion of their refund on health care.Related: How to save money on health care in retirementIn fact, American families increase their health care spending by 60% in the very week they receive a tax refund. And those who received their refunds in February increased their health care spending over the following 76 days by 38%, compared with a 22% increase for those who received refunds in March and an 11% increase in April or May.While some high-deductible health plans encourage early-year spending, JPMorgan found that deductibles aren't the motivating force behind this surge.Instead, among the earliest filers, 64% of their health care spending went to services they had been putting off, including dental visits, hospital visits and in-person doctor appointments.What does this mean? It's increasingly clear that families are treating their tax refunds as a zero-interest savings vehicle, the funds of which they're using for important and sometimes crucial expenses like health care.That's problematic for Americans' financial health, because the IRS does not currently give taxpayers control over the timing of their refund payments, outside of choosing when to file your annual refund between January and Tax Day in April. This means it can be challenging or unrealistic to only schedule payments or purchases around your tax refund every spring.It also poses problems for Americans' physical health, because those who rely on this cash infusion to afford health care are likely to delay care.Related: Americans spend more on health care, but have shorter livesGenerally speaking, young people under the age of 35 and those whose take-home pay is less than ,000 are more likely to be early filers because they have a greater need for this cash infusion.Another reason for filing early could be that low-income families are more likely to receive refundable tax credits, such as the Earned Income Tax Credit, money that is not available except through a tax refund. Across all income and age groups, though, people who are owed a larger refund are more likely to file early.Given the link between tax refunds and health care spending, policymakers and employers should consider making changes that would allow consumers to access funds throughout the year. Policymakers might consider offering periodic tax refund payments -- perhaps quarterly payments so that families wouldn't have to defer care until tax season.Another solution is to make the timing of these payments even more flexible and frequent for those who require urgent health care. This could include an option to apply for emergency funds taken out of your upcoming refund, or an option to file at a different time of year and receive a refund based on year-to-date income.Related: How to file your taxes for the first timeBy fixing one of the largest cash flow events to happen between mid-February and mid-May every year, we're virtually guaranteeing that some Americans will have to defer care.Finally, we should encourage employers to offer alternative savings vehicles, like an employer-based sidecar account. This account would share many of the same features of a tax refund, but give consumers more direct control over when they access funds.These could include built-in commitments and "set-it-and-forget-it" transparency, which would enable consumers the option of a one-time payroll election that recurs with every paycheck, locking them into an annual savings choice similar to other employer-sponsored benefits.By better understanding the connection between health care spending and tax season, we can help more families manage their finances to ensure they're getting health care when they need it, not just when they file to Uncle Sam.The-CNN-Wire 4734

EL CAJON (CNS) - A young woman who allegedly stabbed her grandmother in El Cajon, leaving the victim hospitalized with serious injuries, was charged Friday with attempted murder, dissuading a witness and resisting arrest.Elektra Zaya Del Sol, 20, of El Cajon, faces a potential life sentence if found guilty of the stabbing attack that occurred shortly before 10:30 a.m. Wednesday in the 1200 block of North Mollison Avenue.READ: Woman arrested for reportedly stabbing grandmother in El CajonParamedics took the victim, whose name and age were not released, to a hospital for treatment of life-threatening injuries, El Cajon Police Department Sgt. Will Guerin said. After questioning her granddaughter, detectives arrested Del Sol on suspicion of carrying out the assault.Police did not disclose a motive for the assault, though the 911 caller who reported it said it occurred during a burglary, according to Guerin.Police did not disclose a motive for the assault, though the 911 caller who reported it said it occurred during a burglary, according to Guerin.Del Sol, who also faces allegations of using a weapon in the attempted slaying and inflicting great bodily injury on an elder, pleaded not guilty and was being held without bail. She is set to return to court April 17 for a readiness conference. 1313

Editor's note: An earlier version of this story repeatedly referred to the governor as "Mike Parsons." Scripps regrets the error. Missouri Gov. Mike Parson said in a radio interview on Friday that he still supports reopening schools in the fall despite the fact that he knows children will contract the novel coronavirus when they return to the classroom.Parson made the comments in a radio interview with Marc Cox, a talk show host on 97.1 FM in St. Louis. Cox asked Parson to respond to local politicians that he felt were "overreacting" to the pandemic, particularly when it came to youth sports."These kids have got to get back to school, they're at the lower risk possible," Parson said. "And if they do get COVID-19, which they will, and they will when they go to school, they're not going to the hospitals. They're not going to sit in doctor's offices. They're going to go home, and they're going to get over it."Parson went on to say that "science" proved his point, though he did not cite and specific statistics.Watch the interview in the player below. Parson's comments about children in schools begin at about the two-minute mark.The CDC does say that children do not appear to be high risk for COVID-19, and that the vast majority of confirmed cases have appeared in adults. However, children are still able to spread the virus to friends and family members.And while children are often spared from the most serious cases of COVID-19, the CDC reports that the virus has sent dozens of children to the hospital. Currently, the agency's COVID-19 Associated Hospitalization Surveillance Network currently reports that for every 200,000 children aged 5-17, about 1 is sent to the hospital every week. The network doesn't monitor hospitals in Missouri, but if those statistics hold true, between four and five public school students in pre-K through high school would be hospitalized in the state each week. According to Education Week, there are more than 900,000 students in the state.Parson also did not mention teachers, administrators and other school staff members, all of whom could catch the virus from children or other adults in the school.Parson also argued that keeping students out of school could cause more issues than if students were to come back to class."The risk of not putting them back in school — I guarantee it will cause more problems than the virus than we'll ever think creates long-term for our state," Parson said.Dr. Anthony Fauci, the nation's top infectious disease expert, has said that he feels schools outside of virus hot sports should try and reopen for that very reason. In addition to furthering children's' social and cognitive development, with schools open, more kids will have access to nutritious meals as well as mental and physical health evaluations. However, Fauci has said schools in areas where the virus is rampant need to be careful."We should try as best as possible to keep kids in school," Fauci said. "...however, that's going to vary depending on where you are in the country." 3050

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