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The number of people filing for unemployment for the first time is dropping slightly. Just over 800,000 people filed last week, which is less than what was expected. For perspective, only about 287,000 filed the same time last year.The total number of people still receiving some kind of benefits is just under 21 million. Meanwhile, some people who do have jobs are leaving a lot of money on the table in 2020.“If you don’t take time off, you are basically giving the company back almost a paycheck, like here you go, here's my one-week salary,” said Vicki Salemi, Monster Career Expert.Career website Monster found almost half of workers didn't take their full paid time off this year.The pandemic turned work life balance into an all-at-home blended mess for many. Many workers said they didn't take their time because there was nothing to do, nowhere to go, or they were worried about their jobs.Only a small amount of workers are able to rollover their unused time into 2021.Taking time off has been especially critical this year.“You can see things more clearly. You may even be happier thinking about your time off even if that just meant you stayed on your living room couch and binged the latest show,” said Salemi.Some employers, like Monster, even added mental health or additional days off this year, recognizing the extreme stress many were under.Salemi says even if you don’t have big plans for your time away from work, create some sort of framework.“It doesn't have to be rigid, but just so you feel like at the end of the day or the end of the time off, you don’t want to feel like it was for not, like its OK if you're just going to rest this whole time,” said Salemi.If you didn't get in all that paid time this year, depending on your circumstance, it’s worth asking to see if you could carry some over into next year.Now is also a good time to plan for 2021. Monster suggests even starting small with some three-day weekends in January and February. 1978

The no-frills grocery chain Aldi is shedding its dowdy image as it goes a bit more upscale to compete with Whole Foods, Kroger, Publix, Safeway, and other chains.The German grocer plans to spend more than billion remodeling 1,300 US stores and adding hundreds of new ones, as it aims to become the nation's third-largest grocer.But is it staying true to its roots as a deep-discount grocery store? And does it still have the huge price advantage?Stores going upscaleWhen the doors open at the newly redesigned stores, shoppers told us they were not disappointed. Inside the new stores, they found a more upscale look: new signage, and lots more fresh produce in the enlarged store.Karen McKenzie said she and her baby girl loved it."They have much lower prices than the grocery store," she said, "especially when you are struggling to feed a family, and you've got to save wherever you can."Taking on Whole FoodsTen years ago, Aldi was just another bare-bones discount grocery store, with a limited selection of fresh fare.But now it's made a huge move into produce, especially organics, and the chain says its prices will rival anyone."We have a better product offering and expanded product range, and it's a much cleaner and nicer environment," regional manager Ryan Harmon said.What about prices, which is really the main reason shoppers visit Aldi?We compared Aldi's organic and conventional produce with Whole Foods', and found Aldi's price advantages haven't changed. 1504

The political and judicial world were turned upside down on Friday following the death of Justice Ruth Bader Ginsburg. While many questions remain in Washington, like whether President Donald Trump has the votes to replace Ginsburg before the election, one thing is clear: issues will come before the Supreme Court very soon.HEALTH CARE ARGUMENTS IN NOVEMBERWhile election issues are expected, the future of the Affordable Care Act is an issue guaranteed to come up before the Supreme Court soon. A hearing is set to take place one week after the election regarding whether the law can be struck down. Essentially, Republicans from around the country believe that the only reason the Supreme Court upheld the law in 2012 was because the opinion said Congress has the power to tax. Since that time, however, Trump has removed the tax penalty for not having health insurance. The thinking from some conservatives is that since the tax penalty is gone, the entire law can be struck down now, too. WHERE THE COURT STANDS Prior to Ginsburg's death, the general thinking was that the law would still stand. It faced a challenged in 2012, but Chief Justice John Roberts sided with four liberal justices to uphold it. With Ginsburg's passing, there are only three liberal justices on the court. If Roberts joins the liberal justices it would create a 4-4 tie. "If there is a 4-4 split on the court, then no precedent is set and whatever the lower court decided stands," Professor Paul Schiff Berman with George Washington University said. That would mean parts of the Affordable Care Act can be struck down since lower courts have already ruled in that way. If Trump is able to get another nominee on the court before the hearing, it would only make the court more conservative. Berman cautioned though that other conservatives could potentially join the liberals on this case since the lawsuit's legal standing is murky. Still, the future of the Affordable Care Act is in more jeopardy today than it was last Thursday. 2020

The next few weeks mark the beginning of serious financial uncertainty for millions of people, because a slew of debt, from income tax payments to several months of rent, are going to be due at the same time. “It is going to be a perfect storm of financial difficulty for many, many people,” said Andrea Bopp Stark, an attorney at the National Consumer Law Center (NCLC).The center recommends three steps for anyone that finds themselves in a financially difficult situation regarding debt.Step one: create a list of priority bills and debt to pay off. “People are going to be barraged with debt collectors calling and trying to get them to pay on a medical debt or a credit card debt, but those debts are less important,” said Stark. “Pay debts that if you didn’t pay them it would cause immediate harm to your family.”Those are things like your rent and a car payment, especially if you need your car to go to work.“If you have a judgment against you, a court judgment against you for a debt, it is important to try and make a payment plan to pay that because creditor could issue a garnishment against your wages,” Stark added. Step two: contact your lender to make a payment plan on those priority debts.“We are seeing data come in that there are people who are delinquent and don’t have a forbearance agreement when they could very easily be in a forbearance agreement,” Stark added. “I know wait times on the phone are horrible right now, but you have to be persistent and get through and find out what help is available.”Data collected by the U.S. Census shows that delinquency rates are higher in communities of color.“It is mostly Black and Latinx borrowers who are not getting these forbearance agreements,” said Stark. “Whether they don’t know about it or nobody is reaching out to them to let them know this is available, we don’t know why but that is a population that is going to be disparately impacted and has already been disparately impacted by this whole crisis.”Step three: find a way to stick to your prioritized debt list. “It may sound obvious but if you have it on paper and you have created a budget, stick that to the refrigerator or wherever, then you know these are the priority spending items,” said Stark. “If your son or daughter say, ‘Oh, I want this or that,' ‘no, look at the fridge these are our priority spending items, sorry.’” Because every situation may not be solved in three steps, the NCLC has now made its in-depth guide to Surviving Debt available for free. It has template letters to send to debt collectors and hundreds of pages of help to get you through this tough time. 2626

The Keystone State is living up to its name, as potentially the linchpin in who becomes America’s next president.“Their processes just were never anticipating such an influx,” said Matthew Weil, with the Bipartisan Policy Center.It’s an influx of early absentee and mail-in ballots, in numbers Pennsylvania has never dealt with before. The state received about 2.5 million mail-in ballots, 10 times the number they had in 2016. Yet, counting all of the state’s ballots will take a while.Watch Gov. Tom Wolf provide an update about the state's election results:“In some of the biggest jurisdictions--Philadelphia, Pittsburgh--they just didn't have the experience counting those quickly,” Weil said. “And the fact that the legislature did not give them time before Election Day to count those, even knowing that this was coming, means that most likely we're not going to have great results until Friday.”Among the areas to watch in Pennsylvania: the suburban counties around the state’s two biggest cities, Pittsburgh and Philadelphia. That includes Bucks County, which lies just north of Philadelphia.“Counting the ballots is really an uncertain science for us,” said Bob Harvie, Bucks County Board of Elections Chairman.Those mail-in ballots also take longer to count.“There are two envelopes we have to open: the outside envelope and the secrecy envelope,” Harvie said. “So, it's really double the work.”Here in Bucks County alone, they sent out 200,000 mail-in ballots for this election. That’s 10 times the number they did in 2016. And in Bucks County, like everywhere else across Pennsylvania, ballots postmarked on Election Day can still be counted if they’re received through Friday. However, elections officials are preparing for the possibility of a legal challenge involving those ballots.“We do know that there's very likely to be a legal challenge to that claiming that that's not constitutional,” Harvie said. “So, we are going to start segregating any mail we get.”In the end, though, officials in Pennsylvania hope the 2020 election keeps voters confident in the election system.“The people you see here working, you know these are not political appointees,” Harvie said. “They’re county employees, they’re government employees, and so, really, they're they've committed themselves to giving people a fair, accurate, safe election.”It’s an election that doesn’t appear to be over just yet. 2411

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