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William and Catherine, the Duke and Duchess of Cambridge, have chosen an autumnal photo of their family sitting on a tree trunk for this year's Christmas card, which was made public on Friday.The Duchess can be seen smiling broadly as she holds baby Louis, while three-year-old Charlotte and five-year-old George hold on to their father.At the same time, Harry and Meghan, the Duke and Duchess of Sussex, released their own Christmas card that shows the pair embracing on their wedding night in May. 507

Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701

When we hear our phone go off and see an unknown number, we're not very likely to answer, but that habit is creating some issues for contact tracers.People are hired to get in touch with anyone who's been in contact with someone who has been diagnosed with COVID-19.With people not answering calls from contact tracers, controlling the coronavirus becomes more difficult.But it doesn't mean contact tracers give up.“In some cases, when contact tracers call someone, and that person is uncomfortable talking to them on the phone, in some counties, they will actually send someone to that person's home to conduct an in-person interview, if they're more comfortable doing that,” said Steve Waters, founder and CEO of CONTRACE.Even when contact tracers do manage to get someone on the phone, it can be difficult to get information from them. This is a result of all the spam calls trying to scam people.That's why contact tracers say it's all about establishing trust in that cold call.“If you have a cultural understanding of the people that you are calling, that goes a long way to begin with,” said Waters. “I think you are more likely to be trusting of someone who has the demeanor and cultural understanding of your region, than somewhere across the country.”CONTRACE was founded when coronavirus cases started popping up in the U.S. It helps public and private groups with contact tracing efforts.The group encourages every state and local government to work with phone providers to help people know that calls are coming from contact tracers.Ideally, the call would be identified as the local health department or contact tracing program. 1650

Whether you hate tootsie rolls or licorice, the truth is we've all received Halloween candy we don't like. But this year, Reese's is coming to the rescue with their very own candy exchange machine."Reese's Halloween Candy Converter Machine" was first released to the public on Sunday, October 28, during a Halloween parade in Tarrytown, New York.The machine allows people to trade in the candy they don't want for Reese's Peanut Butter Cups.But why is Reese's helping us with our candy struggles this year?Well, according to a recent survey commissioned by Reese's, 90% of Americans say that they have traded, or wish they could have traded, their unwanted candy on Halloween, Anna Lingeris, a spokeswoman for Reese's distributor Hershey, told CNN. 756

When 29-year-old Cecilia Paredes decided to buy a 2018 Mini Cooper with cool black rims, she knew she’d be facing a professional negotiator — the car salesman. So Paredes, who works in the theses and dissertation office at California State University, Long Beach, brought her uncle along as her wingman.“I’m young, I look young and I’m a girl,” she says. “I was afraid they might try to take advantage of me.”Paredes isn’t alone. According to a recent survey commissioned by Cars.com, 1 in 4 millennial car buyers (in this case, ages 18-34) don’t feel comfortable negotiating and would prefer to have their parents help make the deal. But millennials have a secret weapon that forms a strong foundation for effective negotiating strategies: a penchant for online research.Even with the added transparency the internet provides, “negotiating is still very important in car buying,” says Greg Kopf, a brand ambassador for online auto parts retailer CarID. He’s himself a millennial who’s worked as a dealership service advisor.Here is a roadmap for millennials — or anyone new to car-buying — to connect the cold world of data with the human dance of negotiation, whether or not they bring mom or dad along for the ride. 1241

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