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New payment options are popping up in your online shopping cart.There's been an explosion of retailers, including Amazon and Target, adding buy now, pay later options.“In general, I'm not a huge fan of these services really, because I'm worried about any sort of consumer debt,” said Ted Rossman, a financial expert at Bankrate. “And if you don't really have the money to pay for it today, but you think you'll have it in six weeks, that's a slippery slope.”Rossman says point-of-sale apps have seen triple digit growth over the holiday season.They typically require a payment up front and a few more payments spread out over six weeks or so. If you pay on time, usually there's no interest or fees.Rossman says research has found that almost half of buy now, pay later customers have paid late at some point, mainly because they were disorganized.Stores like them for several reasons, including because they tend to get people to spend more.“They also like the potential loyalty and big data play that they can actually learn a lot about their customers, and they work very closely with a lot of these services,” said Rossman.Most buy now, pay later lenders typically do a soft credit check. They won't typically help you build credit, but they could hurt your credit if you pay late because they will report that.“I just think that's a little bit short sighted, because if you use a credit card and are paying full, you avoid interest, but you get better promotions, you get rewards, you get better buyer protections,” said Rossman.Rossman says these options are appealing even to people who have credit, because of their predictability.He thinks we will see more of these with retailers not being able to push store credit cards as much with fewer in person shoppers. 1778

NEW YORK CITY — The state of New York has reconsidered a controversial new restaurant rule that would have prohibited customers at New York City eateries from using restrooms while indoor dining is suspended, according to Mayor Bill de Blasio's office.De Blasio's Press Secretary, Avery Cohen, tweeted the update after overnight backlash against the new rule."After discussions with the State, they have agreed to change the rule around bathroom access," Cohen wrote. "(You can use the bathroom.)" she wrote in a follow-up tweet.The now-defunct restriction was just one part of a new set of outdoor-dining guidelines issued by the city late Thursday night.Despite being put out by the city, de Blasio Press Secretary Bill Neidhardt clarified Friday that the new rules were set by the state, not City Hall. 813

New results on a possible COVID-19 vaccine from Oxford University and drugmaker AstraZeneca suggest it is safe and about 70% effective.Some experts say that shows it is likely to win approval, but questions remain about how well it may help protect those over 55. That's a key concern for a vaccine that health officials hope to rely on around the world because of its low cost, availability and ease of use.Partial results from tests of the vaccine in the United Kingdom, Brazil and South Africa were published Tuesday by the medical journal Lancet.“Today, we have published the interim analysis of the Phase III trial and show that this new vaccine has a good safety record and efficacy against the coronavirus,” said Professor Andrew Pollard, Director of the Oxford Vaccine Group and Chief Investigator of the Oxford Vaccine Trial. “We are hugely grateful to our trial volunteers for working with us over the past eight months to bring us to this milestone.”Researchers claim the vaccine protected against disease in 62% of those given two full doses and in 90% of those initially given the half dose. However, independent experts have said the second group was too small — 2,741 people — to judge the possible value of that approach and more testing is needed.The interim analysis for efficacy was based on 11,636 participants accruing 131 symptomatic infections from the Phase III trials.In addition to the Oxford led program, AstraZeneca is conducting a large study in the US and globally. In total, Oxford University and AstraZeneca expect to enroll more than 60,000 participants globally.The company says it’s also making progress in manufacturing with a capacity of up to 3 billion doses of the vaccine in 2021 on a rolling basis, pending regulatory approval. The vaccine can be stored, transported and handled at normal refrigerated conditions for at least six months and administered within existing health care settings. 1940

NEW YORK CITY, NY -- New York Police Department Deputy Inspector Stewart Loo says he's going to do something about hate crimes targeting Asian Americans in the city.He says it's close to his heart."This hit home for me because I have friends, families who are legitimately afraid to go outside because they have feared for their safety.”The new task force was introduced Tuesday by Chief of Detectives Rodney Harrison."This task force has been built and will continue to build trust and understanding between the NYPD and Asian New Yorkers,” he said.The task force was put together in response to a rise in hate crime attacks on the Asian community amid the coronavirus pandemic. A result of the harsh rhetoric surrounding the virus, which is believed to have originated in Wuhan, China, before spreading around the globe.Some Asian New Yorkers bore the violent backlash of rhetoric gone wrong. There have been 21 attacks in the city since March."Asian New Yorkers were attacked on trans, buses, [in] parks, restaurants and walking in their own neighborhoods,” said Harrison. He praised the hate crimes task force for clearing about 17 arrests but admitted the reluctance on the part of some victims to follow up with the active investigations due to language barriers, cultural differences, or even fear of the police.This story was first reported by Craig Treadway at WPIX in New York. 1395

NEW YORK (AP) — New York state's attorney general and lawyers in a class-action lawsuit say Harvey Weinstein and his former studio's board have reached a nearly million settlement with dozens of sexual misconduct accusers. The agreement was announced late Tuesday by New York Attorney General Letitia James and Chicago attorney Elizabeth Fegan. The deal lets women make claims of between ,500 and 0,000. It would resolve claims in a New York state lawsuit and a class-action lawsuit pending in federal court. The former Hollywood producer was convicted earlier this year of rape and sexual assault against two women. Accusations by dozens of women in 2017 destroyed his career and gave rise to #MeToo, the global movement to hold powerful men accountable for their sexual misconduct. 800