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It’s that time, when stores offer up their best deals on the hottest items. Some of the advertised deals can even cause customers to stand in lines for hours and even camp out the night before the items go on sale. But this could be a big waste of time.“Don’t buy something just because it’s on sale,” says Kevin Brasler, the executive editor of the consumer watch dog group Consumer’s Checkbook.Brasler tracked sales and deals at 19 major retailers for nearly a year to find out which companies are telling the truth when advertising their sales.  "Most of these stores offering big ticket items are just offering the same deal they did before and the same deal they offered the next week,” says Brasler of his findings. “It wasn't a special price."  The worst offenders range from big box stores to high-end retailers. And with Black Friday around the corner, Brasler warns consumers to be cautious of those doorbuster deals, especially those early morning sales urging you to get up to get amazing deals on hot items before they go.   "There's for sure no reason to get excited about most of the items they are selling on Black Friday, because we found the sales they are offering then are just about the same as they otherwise are," he says.  Then there are those buy one and get one half-off sales. Brasler says these, too, are often a sham.  "These sales they just call them different sales; it's really rare that they have a super good price that you better grab right then and there otherwise it will go away forever,” Brasler says.  That's because the less expensive item is usually the one that gets the half-off deal. So, in reality, you're really not saving that much at all.Also, beware of going out of business sales.    "You're not offering them a special price; you're offering them the usual price," Brasler says.  Sometimes, the third-party liquidator prices the items higher than the original price. That’s what happened with Toys-R-Us closed.  "Even if it's illegal or not, it's sure dishonest," Brasler says.  Out of the 19 stores Checkbook.org watched, they said Costco and Bed Bath and Beyond were among the most trustworthy, but that's mostly because they rarely have sales. 2271

It happens countless times on roads across America: a vehicle gets a flat tire, usually just a temporary inconvenience.But on one road near Redding, California, when a tire failed last month on a trailer and its rim scraped the asphalt, the result proved to be catastrophic for an entire region.The sparks that shot out July 23 from that minor incident, California fire officials said, ignited what is now the sixth-most destructive wildfire in state history.The Carr Fire blazed a fiery path along Highway 299, lighting up mile after mile of dry brush as it crept up on residential areas. 597

It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326

It’s August and Dunkin’ Donuts is perking up the summer with free coffee on Mondays and free donuts on Fridays.The offers are available to DD Perks members, the chain’s loyalty program.On August 3, 10 and 17, DD Perks members get a free medium cup of hot or iced coffee with the purchase of a food item.End the week on a sweet note by grabbing a free donut on August 7, 14 and 21 with the purchase of any beverage.“Whether they need a little extra boost to kickstart their week or a sweet treat to celebrate the end of the week, we want our loyal guests to know we’ve got their backs when they may need it most,” said Stephanie Meltzer-Paul, Senior Vice President, Dunkin’ U.S. Digital Marketing. 704

Ivanka Trump last year used a personal email account to discuss or relay official White House business, according to emails released by a nonpartisan watchdog group.The Washington Post reported Monday the White House conducted an investigation into Trump's email usage and that she used her personal email address for much of 2017.According to emails released by the watchdog group, American Oversight, Trump used her personal account to email Cabinet officials, White House aides and assistants. The Presidential Records Act requires all official White House communications and records be preserved.Austin Evers, the executive director of American Oversight, said in a statement, "The president's family is not above the law, and there are serious questions that Congress should immediately investigate. Did Ivanka Trump turn over all of her emails for preservation as required by law? Was she sending classified information over a private system?"The White House had no comment on Ivanka Trump's email practices.A person close to Ivanka Trump told CNN's Poppy Harlow that "Ivanka's mindset is there is no malintent, and she is comfortable because there was no intent to avoid.""There was no intent to avoid government servers. All of it has been preserved," the person continued explaining that if Ivanka Trump sent an email from her personal email to a government employee, then it hits the government server.That response mirrored the argument Clinton made when defending her use of a private email server when it was an issue during the 2016 presidential campaign."The vast majority of my work emails went to government employees at their government addresses, which meant they were captured and preserved immediately on the system at the State Department," Clinton said in a speech in March 2015.Trump's usage of a private email account will bring comparisons to former Secretary of State Hillary Clinton, whose usage of a private email server instead of a government email account during her time in office was a central part of President Donald Trump's campaign against her in 2016. Trump's supporters often chanted -- and still do, on occasion -- "Lock her up!" at the mention of Clinton, and President Donald Trump has frequently accused Clinton of receiving special treatment because she was not charged for skirting the Presidential Records Act with her email practices.A source close to Ivanka Trump told CNN's Poppy Harlow that "Ivanka's mindset is there is no malintent, and she is comfortable because there was no intent to avoid."."There was no intent to avoid government servers. All of it has been preserved," the source continued explaining that if Ivanka Trump sent an email from her personal email to a government employee, then it hits the government server.This is similar to the argument Clinton made when defending her use of a private email server when it was an issue during the 2016 presidential campaign."The vast majority of my work emails went to government employees at their government addresses, which meant they were captured and preserved immediately on the system at the State Department," Clinton said in a speech in March 2015.The Post reported Ivanka Trump's attorney, Abbe Lowell, forwarded all the emails he believed were related to official government business to her government email account. Lowell believed that would rectify any violations of records law.Peter Mirijanian, the spokesperson for Lowell and ethics counsel for Ivanka Trump, said in a statement, "Like most people, before entering into government service, Ms. Trump used a private email. When she entered the government, she was given a government email account for official use. While transitioning into government, until the White House  provided her the same guidance they had to others who started before she did, Ms. Trump sometimes used her private account, almost always for logistics and scheduling concerning her family."Some advisers to President Trump were alarmed when they heard this news, the Post reports, because of the similarities to Clinton's email use. Trump has called Clinton "Crooked Hillary" for using a personal email account when she was secretary of state.Mirijanian sought to draw a specific contrast between Ivanka Trump's personal email usage and Clinton's, by noting that she did not have the server set up in her home or office."To address misinformation being peddled about Ms. Trump's personal email, she did not create a private server in her house or office, there was never classified information transmitted,  the account was never transferred or housed at Trump Organization, no emails were ever deleted, and the emails have been retained in the official account in conformity with records preservation laws and rules," Mirijanian's statement continues.White House officials were first made aware of Ivanka Trump's email usage through American Oversight's lawsuit, according to the Post.Evers added, "For more than two years, President Trump and senior leaders in Congress have made it very clear that they view the use of personal email servers for government business to be a serious offense that demands investigation and even prosecution, and we expect the same standard will be applied in this case."This is story has been updated.The-CNN-Wire 5316

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