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The National Retail Federation expects the average shopper to spend roughly ,000 on gifts this Christmas —up about from the year before.You could end up spending even more, depending on how you pay for it.According to the U.S. Federal Reserve, nearly half of Americans say they couldn't cover an emergency expense over 0. Consumer protection attorney Gordon Leech explains how the interest rate can vary wildly after those flashy offers expire."Good credit helps you it certainly helps you but it doesn't mean that whoever you're getting the credit from is actually giving you the best rate you ought to get," Leach said.Layaway is another option to get what you want without it affecting your credit or paying interest.The Better Business Bureau Serving Wisconsin points out the drawbacks include down payments and fees."What if you're halfway through and you decide you don't want it anymore what kind of refund do you get? Do you get any of it back do you get all of it back?" said Jim Temmer, president of BBB Serving Wisconsin.The number one point the BBB president says is to make sure to stick to your budget. As hard as it is, do not buy what you cannot afford. 1191

The Pentagon is preparing to send about 5,000 additional active duty troops to support border authorities' efforts to stop Central American migrants bound for the US, according to a defense official and an official familiar with the current plan.The announcement comes days before midterm elections in which President Donald Trump has repeatedly warned of dangers related to immigration and of specific but unsubstantiated threats posed by the migrants, who are still weeks away from the US border.Trump tweeted Monday that the group of Central Americans includes "gang members and some very bad people."The tweet to the President's 55.5 million followers came just two days after a man with virulently anti-immigrant views, who referred to immigrant "invasions," killed 11 people in a Pittsburgh synagogue."Please go back," Trump tweeted Monday to the migrants, who are some 900 miles away from the border and moving at a pace of 20 to 30 miles a day. "You will not be admitted into the United States unless you go through the legal process. This is an invasion of our Country and our Military is waiting for you!"The migrants are seeking asylum, which can be applied for only once someone seeking protection from persecution or fleeing violence in their home country is inside another country or is at the border."Operation Faithful Patriot" is expected to start on November 5 and last until December 15, the defense official said. The current plan is to send the additional active duty troops to Brownsville, Texas, Nogales, Arizona and likely near San Diego, California.Asked Monday whether the administration was considering closing the southern border, White House spokeswoman Sarah Sanders said, "we have a number of options on the table and we're exploring those."The official said that while no final decision has been made, the commander of Northern Command, which will oversee the operation, has the authority to preposition forces. The troops will be deployed from Fort Bragg in North Carolina, Fort Campbell and Fort Knox in Kentucky and Fort Hood in Texas.The official added that verbal orders went out this past weekend to some units and additional written orders are starting Monday. The official added that some troops were already moving and that their number could increase or decrease as needs are assessed.Last week, CNN reported that the US could send 800 or more troops to the border.Trump has said migrant groups will be a central issue of the campaign and has repeatedly linked them to Democrats. He threatened to cut off aid to Central American countries that allow the estimated 6,500 people fleeing Honduras, Guatemala and El Salvador to continue moving north.The officials emphasized the troops will be at the border to support civil authorities and that they are not expected to come into any contact with migrants. If the troops carry arms, it will be solely for self defense, the officials said.Last week, Homeland Security Secretary Kirstjen Nielsen told Fox News that her agency had asked for defense department help to "bolster our capabilities" in an effort to avoid a repeat of clashes on the Guatemalan-Mexican border between some of the northbound migrants and Mexican troops.Specifically, she said DHS has asked for air, engineering, logistics and planning support as well as vehicle barriers and "ways in which we can protect my officers and agents as well as the ports of entry themselves."This deployment is separate from an ongoing National Guard effort to support border authorities with technical assistance. There are approximately 4,000 personnel authorized for that mission, but only 2,100 are currently in place, according to the Pentagon.Asked why the President felt to compelled to send additional troops to do essentially the same thing, Sanders told reporters Monday that the "President's number one job and number one priority is protecting the safety" of Americans.The-CNN-Wire 3941

The parent company of New York Sports Club and several other fitness club chains has filed for bankruptcy protection as the COVID-19 pandemic continues to wreak havoc with its operations.In a statement released Monday, Town Sports International — which also owns Boston Sports Clubs, Lucille Roberts, and several other fitness brands — said it agreed to voluntarily file for Chapter 11 Bankruptcy protection.The company added that the filing was made to simply restructure debt and that it does not plan to go out of business. In a message to employees, the company said it does not expect any changes to day-to-day operations or compensation and benefits.CNN reports that the company laid off "much" of its 7,000-person workforce earlier this year to preserve cash.Bloomberg reported Friday that Town Sports International was on the verge of filing for bankruptcy after talks of an million capital injection from Kennedy Lewis Investment Management fell through.Fitness clubs and gyms have taken a huge hit amid the pandemic, as the CDC continues to recommend against congregating indoors when possible. Sales of home fitness equipment have soared, and Americans have taken up other healthy outdoor habits like biking while restrictions keep some gyms closed. 1272

The number of people sick from an outbreak of a gastrointestinal illness, called cyclosporiasis, linked to McDonald's salads is now 507, federal health officials said Thursday.All of the illnesses have been confirmed with lab tests. Twenty-four of those individuals have been hospitalized.The illnesses began between May 20 and July 21, according to the Centers for Disease Control and Prevention.Illnesses have been reported in 16 states. The states are Connecticut, Florida, Iowa, Illinois, Indiana, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Ohio, South Dakota, Tennessee, Virginia, Wisconsin and New York.The patients in Connecticut, New York, Tennessee and Virginia all purchased their salads while they were visiting Illinois and the Florida patient purchased the suspect salad while in Kentucky, according to the CDC."Epidemiologic evidence indicates that salads purchased from McDonald's restaurants are one likely source of these infections. The investigation is ongoing, and FDA is working to determine the sources of the ingredients that were in common to the salads served at McDonald's," the CDC said.The cyclospora parasite causes intestinal illness in people who consume contaminated food or water. Symptoms can begin a week or more after consuming the parasite. They include diarrhea and frequent, sometimes explosive, bowel movements, according to the CDC. Those who are infected might also experience loss of appetite, weight loss, stomach cramps or pain, nausea, gas and fatigue. Vomiting, headache, fever, body aches and flu-like symptoms can also occur.The illness can last from a few days to a few months, and patients might feel better but then get worse again. Patients can be treated with antibiotics.In July, McDonald's pulled the suspected salad mix from approximately 3,000 locations and switched its supplier.Subsequently, the outbreak investigation found the parasite in a sample of Fresh Express salad mix of romaine lettuce and carrots that had been distributed by the restaurant chain.On July 27, Fresh Express issued a recall for some lettuce that had been supplied to wholesale and institutional customers. 2167

The math is simple. If President Donald Trump wins the same states he won four years ago, he'll be president of the United States for four more years. But sweeping the swing states of Florida, Arizona, Texas, Pennsylvania, Wisconsin, Michigan and Ohio may be more difficult a second time around. Polls show the potential of each one of those states voting Democrat in 2020. As a result, Trump may need to pick up a state Hillary Clinton won in 2016. MINNESOTA FOCUS While the Trump campaign is investing in states like Nevada and Colorado, Minnesota is emerging as the president's likeliest pick up opportunity. Republicans haven't won Minnesota since 1972, the party's longest losing streak. "It’s a state we think we are going to do very well in," Hogan Gidley, a top campaign adviser to Trump, said. "We only lost it by 1.4%, 44,000 votes," Gidley added. Unlike four years ago, Trump is investing in the state. He has already made campaign stops there. The Trump campaign spent around ,000 in Minnesota in 2016. In 2020, they could spend well north of million. VIEW OF PARTY CHAIRSJennifer Carnahan, chair of the Minnesota Republican Party, believes rural Minnesota will offset progressive turnout in cities like Minneapolis. "I actually think the support there for our president has grown over the past four years," Carnahan said. Meanwhile Ken Martin, chair of the Minnesota Democratic Party, says it isn't just wishful thinking that Republicans can win in the state. "They have the largest campaign on the ground in the state of Minnesota," Martin said, speaking about the Trump campaign. But Martin says Team Biden is aggressively hiring staffers and is vowing to not overlook the state. "The cavalry is coming," Martin added. 1749

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