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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 New York attorney general is investigating the parent company of MoviePass, a source familiar with the probe confirmed to CNN Business.The state is looking into whether Helios and Matheson (HMNY) misled investors about its finances, the source said. The investigation is being conducted under New York's Martin Act, an anti-fraud and investor protection law. The existence of the probe was first reported Wednesday by CNBC.The movie subscription service exploded in popularity last year when it began offering customers the ability to watch as many movies in theaters as they wanted for per month. But that business model proved unsustainable, and the company has since changed its subscription plans and pricing as well as the number of movies it makes available to its customers.As the company's troubles worsened this year, its stock price also cratered.Helios and Matheson stock was trading at an all-time high of nearly a share in October 2017. Now the stock is trading at 2 cents — and that's after the company approved a reverse split to boost the price 250-fold earlier this summer.Nasdaq has even warned Helios and Matheson that it could delist the stock.Helios and Matheson and MoviePass did not respond to requests for comment Wednesday.The company is wrestling with other problems as well.Board member Carl Schramm, an economist and Syracuse University professor, recently quit his job and claimed that executives mismanaged the business and withheld crucial information from the board.Purported stockholders have filed two federal class-action complaints against Helios and Matheson in August, claiming the company made "materially false or misleading" statements to the market. The company said at the time that it intended to "vigorously defend" itself and believed the complaints were "without merit."Last month, the company filed new paperwork with the Securities and Exchange Commission indicating that it was going to ask shareholders to vote on another reverse split — one that this time could increase the stock by as much as 500-fold.That meeting was scheduled to happen Thursday. In documents filed with the government on Tuesday, the company said the meeting would be moved to November 1 so stockholders had more time to consider the split before voting. 2323

The man accused of killing 17 people when he opened fire inside a Florida high school has withdrawn his not guilty plea.Nikolas Cruz, 19, was formally indicted by a Florida grand jury on Wednesday. He was charged with 17 counts of premeditated murder in the first degree and 17 counts of attempted murder in the first degree. Complete Coverage: Parkland School ShootingParkland school shooter's life behind barsTwo Florida SWAT officers suspended for responding to Florida school shooting 516

The Ontario Human Rights Tribunal has ordered a Toronto restaurant to pay a black customer ,000 Canadian dollars for racially discriminating against him and his friends.Emile Wickham was celebrating his 28th birthday with three friends when the group decided to grab a bite at Hong Shing Chinese Restaurant on May 3, 2014.The four were the only black patrons in the restaurant, Wickham said, and they were stunned when the waiter demanded they pay before they were servedWhen the group complained, they were told it was policy, according to?their testimony."I still felt skeptical, so then I approached other tables," Wickham told CNN. No one else he spoke with had been asked to prepay, he said."There was frustration initially. And that frustration turned into a feeling of dejection and sadness," he said. 819

The news of dogs?left tied up, abandoned by owners in Palm Beach County to fend for themselves during Hurricane Irma, disturbed many of you, and us.The question .. will Palm Beach County hold those pet owners accountable?  It's not something the animals asked for, to be abandoned by their families, for a storm. "Absolutely unacceptable. People need to be responsible pet owners in this community," says State Attorney Dave Aronberg."The animals should be a valued part of your family and they should be a part of your plan," says Animal Care and Control Capt. Dave Walesky. More than 50 dogs and 15 cats were surrendered to Palm Beach County Animal Care and Control. Around 38 other dogs, left to fend for themselves, mostly in the Glades area.  "Many of them were loose inside fenced yards, some were loose in the community where they just got turned loose or some were tied and left in small cages," says Walesky. "One of the dogs was left tied to a structure with a bowl of water and a bunch of bananas." It's not just sad, it's a crime. "And there is no excuse for leaving your pet behind to die. We are going to hold accountable those who we can prove left their dogs behind in the storm," says Aronberg.   1261

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