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Car buyers are noticing fewer 0% APR financing deals for both new and used cars.Why? Edmunds, the online information spot for everything cars, says dealerships are now offering deals to buyers paying in cash. "The better economy is driving interest rates higher, and that's because the fed have elevated interest rates," says Tim Jackson, with the Colorado Automobile Dealers Association. Jackson believes there are always downsides for consumers in a thriving economy, and this is an example. Right now, the average APR is 4.21%. So, if your car cost ,000 and you want to pay it off in 5 years, your monthly payment would roughly be 5. However, if you changed that APR to 0%, your monthly bill would be about 0. That's a savings, which is a significant difference annually. If buying a new car is something you want to do, Jackson says there are a few things you can do to insure the best deal in this economy. First, keep a good credit score. Second, choose the vehicle with the best incentives.  1079

By comparison, 2019 was a record year for lottery organizations across the country, with billion dollar jackpots in games like Powerball and Mega Millions. In 2020, though, those big winnings took a dramatic turn."For us, we were hit pretty hard. We offer video lottery at bars and restaurants throughout the state and by far that’s our highest revenue product and literally overnight when bars and restaurants shut down, that revenue line went to zero," said Matt Shelby with Oregon Lottery. Shelby says they were shut down for more than a month. Oregon normally brings in million a week on video lottery games and it goes to some crucial state programs."Things like schools, parks, natural resources, watershed development, most recently veterans' services and then we also fund problem gambling and treatment across the state. When our revenue goes down, we feel it first because we operate like any other business, but those state programs that rely on our dollars will feel that crunch in the next budget cycle," said Shelby.In Vermont, government-mandated shut downs prompted lottery ticket sales to plummet by about 30 percent. All of that money goes to fund education. Gary Kessler, the Deputy Commissioner of Liquor and Lottery for the State of Vermont, says they're now encouraging people to buy lottery tickets in advance to help boost sales. Kessler said, "they could buy them out 20 draws in advance. So, they could be safe and stay in the game at the same time. That was really our message that we tried to get out to our players and players really did respond. We saw quite an increase in our subscription services, which is where you can buy for six months or for an entire year and know that those numbers are set."While most lottery departments have been established for decades, that's not the case in Mississippi. "We hadn't been up and running for a year. We’re still in the building process and we have layers to complete. When COVID-19 hit we had about half of a business continuity plan and it hadn’t been completed," said Mississippi Lottery President Tom Shaheen. While the Mississippi Lottery saw an initial drop in sales, in April things started to pick back up. Mississippi Lottery was still able to contribute more than million to projects in its first seven months of operation."It helps fund roads, bridges and education, which was set by the legislature in the Lottery Act and approved by the Governor," said Shaheen. And while lottery officials across the country understand the current economy may keep some from buying lottery tickets, they hope the programs the lotteries fund aren't impacted too severely. After all, the local businesses that sell lottery tickets benefit, as well. They receive a percentage of winnings and even a jackpot of their own if they sell a winning ticket.Oregon Lottery thinks lotteries will recover just fine. "I think long term we will, but like a lot of other things, I don't think we're ever going back to the way things were in January," said Shelby. 3036

CHICAGO (AP) — Chicago's Second City comedy theater is up for sale. The sale, announced Tuesday, is the second in the company's 60-year history. In a statement released by investment banker Houlihan Lokey, co-owner Andrew Alexander said a sale presents the opportunity for Second City to continue to succeed well into the future. Second City suspended all its shows and classes in early March due to the COVID-19 pandemic until further notice. Second City faced controversy in June when Alexander stepped down from the training and performance troupe due to allegations of racism within the company. Second City was an early training ground for "Saturday Night Live" players including John Belushi, Dan Aykroyd, Gilda Radner, and Chris Redd. 749

BURBANK, Calif. (AP) — Traffic was backed up for miles for thousands of drivers Friday night on a busy Los Angeles-area freeway after a chase that lasted well over an hour and saw the driver repeatedly back into police cruisers.At one point after backing into a cruiser, the man gestured from his window with what appeared to be a knife.The man drove onto Interstate 5 in Burbank the wrong way, eventually passed a police barrier and rammed into several cars before stopping.Police evacuated drivers from their cars while they had their guns trained on the car. The driver eventually got out. It appeared that officers used a stun gun on him, prompting him to get back into the car.A standoff pursued and eventually ended after the man got out of the car, laid down for a while and tried to run away. He was arrested. 825

Chanel White has missed going to karaoke bars, but when it comes to being in quarantine, she’s used to it.“Life hasn’t been too different from what it normally was for me,” Chanel White said.In 2011, White was diagnosed with systemic sclerosis, an auto-immune disease.“Basically my body just sees myself, my tissue, my organs as something foreign and something that should be attacked,” White said.She gets nutrients through a feeding tube and takes a lot of different medications. She’s also considered high risk of contracting COVID-19.“Pneumonia is basically the number one cause of death for people with my condition.”Based on a report by Johns Hopkins Center for Health Security, White should be among those who get the novel coronavirus vaccine as soon as it’s available.“Ethics is the essence of this,” Dr. Eric Toner said.Dr. Toner is a Senior Scholar with Johns Hopkins. Who gets the vaccine first will ultimately be up to the Department of Health and Human Services, but Dr. Toner says the report is meant to offer an ethical framework to help prioritize who gets the vaccine and when.“First of all it’d be health care workers who are taking care of COVID-19 patients. That seems pretty straight forward and non-controversial,” Dr. Toner said.Also in the first tier would be people who are essential to the pandemic response – like those doing the vaccinating, people on the front lines of public health and people working in nursing homes.That first tier would also include the men and women who have helped maintain some normalcy during the pandemic.“Think of front-line transportation workers like bus drivers, think about people working grocery stores, people who work in food production, people who keep the lights on and the water running,” Dr. Toner said.White would be in tier one, but her medical situation is quite complicated.“I right now can’t get vaccines,” White said.She says the treatment she’s receiving heavily reduces her immune response so her body doesn’t attack itself. So depending on the type of vaccine, she would either develop COVID-19, or the vaccine wouldn’t do anything for her.“It’s a weird circumstance because I don’t think the world thinks a lot about people like us. They just think ‘oh the sick people are especially going to need this,’” White said.Dr. Toner says there is an alternative solution.“Vaccinate everyone around them. So vaccinate their families, their caregivers,” Dr. Toner said.“Clearly herd immunity can save an immeasurable number of lives. And so really for someone like me that really is my best shot,” White said.Getting enough people who have an immune response to the vaccine will depend on its effectiveness.“We are ensuring that the vaccine is safe and we’re ensuring that the vaccine is effective. And we will try to get it out as fast as we can, of course, but we won’t cut any corners,” Dr. Toner said.For now, White is choosing to focus on the positive."Hopefully the world will come out better because of this and empathic to their fellow man. But I do hope for a future where I can go to karaoke again,” White said. 3100

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