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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 housing market has been strong in 2020, but as we head into 2021, it seems the market will continue to buck all home buying and selling trends.“It used to be true the home buying season was spring or summer when kids are out of school,” says Daryl Fairweather, chief economist for Redfin. “The pandemic has changed all that.”It's her job to study the market, follow migration patterns, and make sure both agents and customers are informed.“I predict that the early winter -- January, February -- is going to be an unusually busy home buying and selling season,” Fairweather says.Fairweather said people can move anytime and they're eager to get it over with when they've made the decision to relocate.“People want to move to places that really fit their preferences whether it's a beach town or a lake town or to be closer to their family, people are moving to places that they really want to live in, not just places that are close to the office,” Fairweather said.Jordan Thomas bought a home while the market has been hot.“It's a very quick process, buying was extremely competitive,” Thomas said.Thomas said she was among the many who decided the time to buy is now.“Because the interest rates were so great, I was able to get a really great deal on a larger home for myself,” Thomas said.She was the first to put in an offer on her Houston-area home. Six more offers followed that same day.“Because I was the first to put in the offer and I was aggressive with what I put forth, the first time around was the reason why I ended up getting the home,” Thomas said.And true to Fairweather's prediction about what people want in a home, Thomas was ready to renovate. Like others, she wanted an updated, larger kitchen and a bigger home office.“Two days after I closed on my home, I handed the key over my contractor and said ‘go to town,’” Thomas said.If you're looking at one of those "hot markets,” places like the suburbs, vacation towns, or mountainous and lake areas, Fairweather said, “My advice to buyers is that timing matters.”Fairweather added that buyers should be ready for competition. 2110

The House recently passed a massive infrastructure and transportation bill, with .5 trillion in projects over the next five years. Included in the bill is the Hot Cars Act, which never passed in 2019. It would require all new cars to come with technology that can detect when a child is left in the backseat when the vehicle isn’t running.So far in 2020, at least seven children have died after being left in hot vehicles. On average, 39 children under the age of 15 die each year from heatstroke after being left in a vehicle, according to the National Safety Council.Wednesday also marks 12 years since Miles Harrison made that fatal mistake with his newly adopted son, Chase.“I was the guy, that was the same guy, that made fun of me. I was that guy. It could never happen to me. I’m too smart. I’m successful. My wife and I worked out a system. It’s one of the first times I’ve done it. And so, on this particular day, I was supposed to drop Chase off at day care and then go into the office,” said Harrison.Except, Harrison never got off at the exit for the day care. Instead, he went to work as usual, parked his SUV, worked all day, went to lunch and then at 5 p.m., a colleague came to him with a strange question.“They said, ‘hey do you have a doll in your car?’ And I go, ‘a doll?’ And then a sinking feeling. I run out to my SUV and I grab him out of his car seat and I’m screaming, ‘oh God no! Oh God no! Not Chase! Oh God.’”Harrison's 21-month-old Chase died of a heat stroke in his car seat.Eventually, Harrison was questioned by police.“I just said, ‘I killed my son.’ I just said, ‘I did and I didn't remember.’”He was charged with involuntary manslaughter, went to trial and was found not guilty. But Harrison says it didn't matter.“There were several times that I thought about taking my own life,” he said. “I just couldn't take it and I was so angry with myself and ashamed of what I had done.”The situation brought international consequences. Harrison and his wife had adopted Chase from a Russian orphanage. After his death and in retaliation for other political issues, Russia passed a law in Chase's Russian name banning U.S. citizens from adopting.Harrison’s story lead to an award-winning article called "Fatal Distraction" and a documentary "To the Moon and Back."Harrison and his wife channeled their pain into advocacy, pushing for the "Hot Cars Act." it would require all new vehicles to come with an alarm system that goes off if someone was in the backseat when the engine is turned off.The requirement is now part of the new transportation bill just passed by the House, but the Senate doesn't appear ready to pass it, leaving Harrison to continue on his crusade.“Children are dying in hot cars and it can be easily stopped. All you have to do is vote yes,” he said. 2809

The holiday season is upon us, and for many, that means it’s time to hit the road and travel for Thanksgiving.In 2016, AAA estimated that more than 48 million Americans were expected to travel for turkey day.According to the AAA Autumn travel guide, most travelers plan to stay within the United States, with Orlando, Southern California, Hawaii and New York being the most popular domestic travel destinations. 419

The man authorities believe is the Golden State Killer will face yet another murder charge, authorities said Monday.Joseph DeAngelo, 72, will be charged with the 1975 murder of Claude Snelling, with a special allegation of the use of a firearm, according to Stuart Anderson, spokesman for the Tulare County, California, district attorney's office.DeAngelo has already been charged in 12 killings, including the 1978 deaths of Katie and Brian Maggiore. Police say he committed a series of killings, rapes and other crimes attributed to the so-called Golden State Killer, also known as the East Area Rapist and the Original Night Stalker.The Visalia Police Department and officials with the district attorney's office will hold a news conference Monday to give details about the latest charge.Claude Snelling was shot and killed in September of 1975 as he charged at a masked man who was trying to abduct his daughter from his home, according to the Visalia Times Delta.Authorities said the Maggiores were killed after possibly spotting the Golden State Killer as they walked their dog near a home in Rancho Cordova, California, outside Sacramento. The complaint alleges that DeAngelo shot the couple using an "unknown caliber firearm."DeAngelo appeared in court in late April in a wheelchair, but didn't enter a plea to the charges of murdering the Maggiores.Decades after the killings terrified communities throughout California, authorities tracked down DeAngelo using data from an ancestry website where people submit their DNA results in hopes of tracking down relatives and ancestors.DNA from a crime scene was matched to genetic material from a relative who was registered on genealogy sites, and authorities later obtained a discarded sample of DeAngelo's DNA.DeAngelo, a former police officer, Vietnam veteran and mechanic, was a reclusive neighbor in Citrus Heights, a town about 16 miles northeast of Sacramento, according to residents. 1953

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