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The major boom of online grocery ordering shows no signs of slowing down. More than six months into the COVID-19 pandemic, industry experts say the new convenience of ordering groceries through an app is here to stay. "In fact, it's been a huge acceleration. All of our clients that we serve, and we serve some of the biggest supermarkets in North America and the world, they picked up three times the volume that they were doing before this pandemic. And, in fact, more of them didn’t picked up more volume because they couldn't just fulfill enough orders at a time," said Max Pedro, the co-founder and president of Takeoff Technologies. Takeoff Technologies creates automated grocery fulfillment software for some of the biggest grocery chains in the country, including Albertsons, Safeway and Shoprite. The technology requires supermarkets to build a 10,000-square-foot warehouse directly behind their store. When a shopper places an online grocery order at one of these stores, the robots fulfill the order, automatically placing the items in bags, ready for the customer."What happens is those robots bring those individual items to a human being, but those items are coming to a person. They're suddenly making people 13 times more productive than if they have to roam a supermarket aisle to assemble that order," said Pedro.The company has already hit their five-year goal in just four months. "And it’s happened really fast and what’s also happening is we know that consumers are not going back to their previous behaviors. We forcefully trained many, many people to buy their supermarket carts online and they're sticking to it," said Pedro.Laurentia Romaniuk, an Instacart Trends Expert, agrees. "We've seen customers continue to use our site. It seems like online grocery is really here to stay. It's interesting because online grocery has existed in other countries for decades and people have built habits around it in other countries and I think, finally, now America is getting on board with the online grocery trend," said Romaniuk.Instacart, which offers grocery delivery service for a fee from a number of grocery stores across the country, says use of their site went up exponentially at the start of the pandemic. Now that we're in the fall, parents and children are still working and taking classes from home and the need to get groceries delivered or gathered for them, is still there. "Yes, customers are going online and shopping online and becoming more comfortable with that, but also hobbies and habits and eating patterns are changing," said Romaniuk.Pedro says pre-pandemic, only 10% of the market was buying online. It's now grown to 27%. "Remind you that four years ago, the U.S. market was half-a-percent online. Grocery is a really rough category to offer online and still maintain those low prices. Now, with these capabilities and that further need of getting the convenience factor, things have just taken off," said Pedro. Pedro suspects the entire retail industry will soon start reinventing itself, developing technology to offer more delivery and pick-up options to better serve customers who no longer want to go shopping in person. 3181

The news of Sen. John McCain's passing has led to many questions over what happens to the lawmaker's Senate seat.The Seventeenth Amendment, which established the direct election of senators, also clarifies rules of filling seats left vacant due to a senator's death, resignation, or expulsion.The amendment allows state legislatures to empower the governor to appoint a replacement to fulfill the term, which means Gov. Doug Ducey's selection will serve until our next general election in November 2020.In Arizona's case, as with a handful of other states, the governor's appointee must be of the same political party as that of the vacating senator, meaning Ducey will fill the spot with a fellow Republican.A Friday report from the New York Times said Rep. Martha McSally and McCain's wife, Cindy, could be potential picks for Ducey to fill the open seat. 890

The NBA’s player representatives have voted to support the notion of starting this coming season on Dec. 22, the date that the league has been targeting in its talks about how and when to get teams back on the floor for a planned 72-game season. The player vote is just one part of the process. Among the primary matters to be determined: how much more escrow will be taken from players because of the shorter-than-usual season, and how the league and the players will navigate testing and other health and safety issues amid the ongoing coronavirus pandemic.The 2019-20 season ended more than three months later than normal because of the coronavirus."The Board of Player Representatives of the National Basketball Players Association (NBPA) has tentatively approved a start date of December 22, 2020 for the 2020-2021 NBA season and a 72-game schedule. Additional details remain to be negotiated and the NBPA is confident that the parties will reach agreement on these remaining issues relevant to the upcoming season," the NBPA said in a statement. 1059

The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211

The LVMPD is aware of the public's concern regarding this weekend's release of the Joker movie. Public safety is our top priority and additional resources will be available to respond to local theaters in the event a police response is necessary. In addition, LVMPD patrol officers may be seen in or around theaters conducting extra patrol. All citizens are encouraged to report any suspicious activity by calling 702 828-7777 or 311/911 or for immediate police assistance. 481