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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 only thing that scares salon owner Shelly Albro more than the empty chairs inside her Portsmouth, New Hampshire barbershop is the silence that has consumed this place recently.Having lost 30 percent of her business because of COVID-19, Albro found herself in the same position as thousands of other small business owners across the country, desperate for new streams of revenue, while at the same time, having to keep her customers and staff safe.“I just knew that if I didn’t get creative we weren’t going to make any money,” she said. “Business was down.”Albro owns Gents Barbershop, which she recently opened.On a particularly depressing day during the shutdown, she had been searching through old photos when she stumbled upon an old black and white picture from the 1918 Spanish Flu pandemic. A few barbers stood wearing masks as they cut clients' hair, but instead of cutting hair inside a building, the barbers were standing out on the sidewalk in front of their store.She had found her solution.“When I saw this picture I was like, ‘I gotta do this outside!’ For those who are like me who are nervous to go inside,” she said.Unsure of how the idea would go over with customers, Albro first started cutting hair outside on her days off. Her schedule quickly booked up, as this upbeat stylist with a slight New England accent realized she’d struck a chord with her customers who were still too nervous to get their haircut inside a barbershop during COVID-19.And for Albro, who suffers from an autoimmune disease herself, the whole thing is personal.“There are a lot of people who have anxiety about coming inside a building. It doesn’t matter how much we clean or sanitize; they’re feeling anxious about coming inside,” she said. “Because I’m high risk, I get why people are reluctant.”Gents Barbershop isn't alone in moving hair cutting services outside. Back in July, California moved all salons outdoors to deal with a sudden spike in cases.Beth Milito with the National Federation of Independent Businesses is telling small business owners to follow Albro’s lead.“It’s been much more challenging than people anticipated back in March,” Milito explained.As small business owners continue to navigate an economic recession, Milito says that creativity and ingenuity are keys to a successful rebound, especially when more than 100,000 small businesses have already closed since March.“Looking at this as a long-term investment, something you can see into the future,” she added.As for Albro, she knows that like a good haircut this trend may fade away, but for now, she’s just trying to make a much deeper impression.“I just want to help,” she said. 2669

utting a Band-Aid on things, it's all OK. But, no. What about our feelings? What about those people who died trying to put Puerto Rico back (together) again? People needed (electricity) because they had oxygen (machines). They were ill; they had cancer. They had other issues, health-wise. They needed the government, and the government failed them."She shared Ruiz's story, she said, so "at least someone will know he existed." 4726

The plane behind Lion Air's crash off Indonesia was one of Boeing's newest and most advanced jets. It was just two months old and with 800 hours under its belt, so experts are baffled as to what exactly caused the 737 MAX 8 to crash.While no information has been released yet as to why the brand-new plane crashed into the sea 13 minutes after takeoff,?FlightRadar24 has published data that shows the plane behaving erratically during takeoff. When a plane would normally be ascending in the first few minutes of flight, the Lion Air jet experienced a 726-foot drop over 21 seconds.Aviation expert Philip Butterworth-Hayes told CNN that the data was unusual -- especially since takeoffs like this are typically controlled by the plane's automatic systems."This doesn't fit an automatic flight profile," Butterworth-Hayes said while studying the data. "Unless, the aircraft was trying to correct itself at the time for a number of reasons.""This shows an unusually unstable vertical flight profile," he added."Exactly at the same time as the speed increased there was an altitude dip, which meant that at that point there was quite some loss of control."The plane, which has only been in operation since August 15, was carrying 181 passengers as well as six cabin crew members and two pilots, bound for Pangkal Pinang on the Indonesian island of Bangka.Former US National Transportation Safety Board air crash investigator and CNN aviation analyst Peter Goelz told CNN the data clearly showed issues with both the speed and altitude of the plane."There is something obviously wrong in both the air speed and the altitude which would point to the flight control systems," he said. "These are fly-by-wire systems -- highly automated -- and pilots may not be able to troubleshoot failures in a timely manner." 1818

The ongoing feud between the National Rifle Association and the medical community continues in wake of a shooting at a Chicago hospital Monday.A recent article published earlier this month by physicians called gun violence a public health crisis and called for tougher gun laws. In response, the NRA tweeted that doctors should “stay in their lane.”The NRA’s response received backlash, with doctors across the U.S. and abroad expressing their disdain using the hashtag #ThisisMyLane, often with graphic images giving a glimpse into emergency rooms after treating victims of gun violence.Monday, gun violence became personal for doctors and nurses at Mercy Hospital in Chicago after a shooter entered, killing an ER doctor, a pharmacy resident and a Chicago Police Officer.Now, another group of doctors are pushing back against the NRA. In an editorial published by the Annals of Internal Medicine, doctors say they won’t be silenced in using what they learn to better care for their patients.“The NRA does not believe firearm-related injury and its prevention is within the purview of physicians. We could not disagree more,” read the editorial in part.The NRA has accused doctors of pushing a gun control agenda. 1222