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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 number of Americans newly diagnosed with the coronavirus is falling — a development experts say most likely reflects more mask-wearing but also insufficient testing — even as the disease continues to claim nearly 1,000 lives in the U.S. each day.About 43,000 new cases are being reported daily across the country, down 21% from early August, according to data compiled by Johns Hopkins University. While the U.S., India and Brazil still have the highest numbers of new cases in the world, the downward trend is encouraging.“It’s profoundly hopeful news,” said Dr. Monica Gandhi, an infectious-diseases expert at the University of California, San Francisco, who credits the American public’s growing understanding of how the virus spreads, more mask-wearing and, possibly, an increasing level of immunity.“Hopefully all those factors are coming into play to get this virus under control in this country that’s really been battered by the pandemic,” she said.But insufficient testing is probably concealing the full extent of the crisis, said Dr. Jonathan Quick, who leads the pandemic response for the Rockefeller Foundation, which has recommended the U.S. test 4 million people a day by fall.“We’re grossly under-testing in some of the places that are still having high caseloads,” Quick said, singling out Mississippi, Texas, Georgia and North Dakota as hot spots with high rates of positive test results.Even at 43,000 new cases per day, the U.S. remains far above the numbers seen during the spring, when new daily cases peaked at about 34,000, he said.“It’s a good trend, but nowhere near what we need to be,” Quick said of the recent decline.The virus is blamed for more than 5.7 million confirmed infections and about 178,000 deaths in the U.S. Worldwide, the death toll is put at more than 810,000, with about 23.7 million cases.Jeffrey Shaman, a public health expert at Columbia University, said he is skeptical enough people are immune to significantly slow the spread. But he agreed that changes in Americans’ behavior could well be making a difference, recalling the impact that people’s actions had in containing Ebola in West Africa several years ago.“Ebola stopped for reasons we didn’t anticipate at the time. It was so horrifying that people stopped touching each other,” Shaman said. Something similar may be happening with the coronavirus, he said.“I know I don’t have nearly the number of contacts that I used to,” Shaman said. “But if we relax that, if we get complacent, will we just see another outbreak?”The decline in newly reported cases in the U.S. comes even as deaths from the virus remain alarmingly high. Officials have reported an average of 965 deaths per day from COVID-19 recently, down from 1,051 deaths a day in early August.Deaths from the coronavirus are a lagging indicator — they trail new infections because of the time it takes for people to get sick and succumb to the disease.The percentage of tests coming back positive for the disease has also declined over the past two weeks, from 7.3% to 6.1%. But that comes as the total number of tests administered has fallen from its August peak of more than 820,000 a day, leveling off in recent weeks at about 690,000 a day.The situation has improved dramatically in several states that struggled with high caseloads earlier this summer.In Arizona, for example, officials reported 859 new cases Tuesday, down from a peak of 5,500 in late June. More than 2,000 people arrived at the state’s hospitals showing symptoms of the virus on a single day in early July. This week, that number has been less than 1,000.In Florida, where more than 10,000 people have died, the state reported 2,600 new virus cases Tuesday. Earlier in the summer, it was regularly reporting more than 10,000 new cases.Malinda Coler, 37, of San Francisco, said she has been diligent about mask wearing and other preventive measures, less to protect herself than a best friend who has a compromised immune system, with severe arthritis psoriasis.“So I wear a damned mask and get infuriated when others don’t,” she said.Most states now have some type of mask requirement, either through statewide orders issued by governors or from city and county rules that cover most of their population.Even some conservative governors have gone along with masks. Mississippi Gov. Tate Reeves mandated masks in all public places earlier this month, and Georgia Gov. Brian Kemp dropped a lawsuit against Atlanta in a dispute over a requirement by the state’s largest city.In Leeds, Alabama, Will Heath said he has seen greater adherence to mask rules around town, whether in stores or at his 5-year-old daughter’s cheerleading practice.He and his wife, a nurse, have worn masks all along but said the attitude among others has shifted from “Even if I get it, I’ll be OK,” to “Let’s make sure we don’t give it to somebody else.”“We have all been sort of operating under the assumption that we all have it or we’re going to get it eventually. So we want to make sure we don’t spread it,” Heath said.Many places around the U.S. are seeing pockets of contagion, especially in college towns where students are holding parties and crowding into bars.Over the past week, 531 students, faculty and staff at the University of Alabama in Tuscaloosa have tested positive for the virus, according to the school. Alabama said it tested nearly 30,000 students before classes began. The mayor of Tuscaloosa shut down bars for two weeks because of the spike, which could derail plans to continue the semester on campus.The university is still moving ahead with fall sports in the football-crazed state, with plans to allow only about 20,000 fans at its 101,000-capacity stadium and a ban on tailgating. Coach Nick Saban weighed in on the virus Monday, urging people to wear masks.“It’s not just about football. So, for people to make the right choices and decisions to wear their masks, do the things when they’re out publicly, respect the rules, respect the virus, that’s important,” he said.It’s not clear what will happen to case numbers as more school districts bring students back to classrooms and colleges reopen their campuses. In recent weeks, schools including the University of North Carolina, Michigan State and Notre Dame have moved instruction online after outbreaks on their campuses.Officials at the University of Tennessee at Knoxville said four students are facing disciplinary proceedings after three hosted off-campus parties with no mask or other distancing and another left isolation to meet with others despite testing positive for the virus.“If the facts reported to the university are accurate, these students will face at least suspension from the university, and potentially greater penalties,” Chancellor Donde Plowman wrote.___Associated Press writers Mae Anderson, Nicky Forster and John Zenor contributed to this story. 6888

The most dangerous place for women is the home, according to a new UN study.Out of an estimated 87,000 women killed last year, some 50,000 -- or 58% -- were killed by partners or family members, according to the 2018 report on gender-related killing of women and girls by the United Nations Office on Drugs and Crime (UNODC).More than a third of the women intentionally killed in 2017 were killed by a current or former partner, and 137 women are killed by family members every day, it said.While the majority of intentional homicide victims are male and killed by strangers, women are far more likely to die at the hands of someone they know, the study showed.UNODC Executive Director Yury Fedotov said women "continue to pay the highest price as a result of gender inequality, discrimination and negative stereotypes" and that gender-based homicide is a "lethal act on a continuum of gender-based discrimination and abuse."The study, released on the International Day for the Elimination of Violence Against Women on November 25, looked at homicide data related to gender violence and "femicide," a term understood as a gender-based hate crime perpetrated by men.Globally, Asia was the region with the highest number of women killed by partners or family members last year, at 20,000, followed by Africa (19,000), the Americas (8,000), Europe (3,000) and Oceania (300).However, rates were higher in Africa and the Americas, meaning women faced the greatest risk of being killed by partners or family members in these regions.In Africa, these homicides accounted for 3.1 victims per 100,000 of the female population and in the Americas, the rate was 1.6 victims per 100,000 of the female population -- compared with 0.9 per 100,000 in Asia.Europe showed the lowest rate of gender-based homicide, with 0.7 victims per 100,000 of the female population.While countries have taken various steps to address violence against women and gender-related killings -- including the adoption of special units and more training in the criminal justice system -- the report said there is no sign of a fall in the number of gender-related killings of women and girls worldwide.The total number of female homicide victims appears to have increased since 2012, it said, when the number of women killed by partners or family members was estimated at 48,000 -- or 47% of all female homicide victims.The new study has called for a series of measures to combat the global problem, including coordination between police, the criminal justice system, health and social services, and involving men more in addressing the problem."In order to prevent and tackle gender-related killing of women and girls, men need to be involved in efforts to combat intimate partner violence/family-related homicide and in changing cultural norms that move away from violent masculinity and gender stereotypes," it said. 2892

The National Hurricane Center said it is currently monitoring three storms that could potentially develop into tropical cyclones in the coming days, adding more anxiety to what has already been an extremely active hurricane season.One of the systems, located just off the North Carolina coast, became the 15th tropical depression of the Atlantic hurricane season Monday afternoon. The depression is expected to form into a tropical storm in the coming days, and pass to the north of Bermuda. The potential tropical storm is not expected to affect the United States mainland. The National Weather Service defines a tropical depression as a low-pressure system that is being fueled by warm, tropical water and is rotating around a "well-defined" center. Once these storms have sustained winds of at least 39 mph, they become a "named" tropical storm."Nana" is the name that will be given to the next tropical storm, followed by "Omar" and "Paulette." There have been 13 named storms so far this hurricane season. At this time last year, there had only been five named storms.A second system is brewing in the Caribbean sea. The system has a 70% chance of development in the next 48 hours, and could impact Jamaica,Honduras, Belize, Guatemala and the Yucatan later in the week.A third system emerging off the coast of Africa is not expected to develop in the next 48 hours, but has a 30% chance of becoming a tropical depression or storm later in the week.The developments come just days after Hurricane Laura made landfall in Louisiana, a storm that killed 14 people and caused extensive damage near Lake Charles and other towns in the western part of the state 1667

The parent company of New York Sports Club and several other fitness club chains has filed for bankruptcy protection as the COVID-19 pandemic continues to wreak havoc with its operations.In a statement released Monday, Town Sports International — which also owns Boston Sports Clubs, Lucille Roberts, and several other fitness brands — said it agreed to voluntarily file for Chapter 11 Bankruptcy protection.The company added that the filing was made to simply restructure debt and that it does not plan to go out of business. In a message to employees, the company said it does not expect any changes to day-to-day operations or compensation and benefits.CNN reports that the company laid off "much" of its 7,000-person workforce earlier this year to preserve cash.Bloomberg reported Friday that Town Sports International was on the verge of filing for bankruptcy after talks of an million capital injection from Kennedy Lewis Investment Management fell through.Fitness clubs and gyms have taken a huge hit amid the pandemic, as the CDC continues to recommend against congregating indoors when possible. Sales of home fitness equipment have soared, and Americans have taken up other healthy outdoor habits like biking while restrictions keep some gyms closed. 1272

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