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I haven’t set foot in a grocery store in nearly four months.With a 10-month-old baby to think about, my husband and I have kept trips to the store to a minimum out of an abundance of caution during the pandemic. We’re fortunate to have just about every grocery delivery service at our disposal — and we’ve taken advantage.In between orders from Costco, Whole Foods, Imperfect Foods and more, I’ve noticed our virtual shopping habit is changing how we budget. We’re accounting for new grocery-related expenses. We’re also more deliberate about what we buy.Here’s why online grocery shopping could affect how much you spend — and ways to keep your budget intact.MarkupsYou could pay more online than in the store for the exact same item. That’s because some delivery services, or the retailers they partner with, inflate grocery prices to cover fulfillment costs.On Costco’s website, I was met with the message “item prices are marked up higher than your local warehouse. Instacart uses the markup to pay for their delivery service.” The exact price difference wasn’t specified.Same-day delivery service Shipt says its members can expect to pay about more on a order online than in the store. Plan that you will spend a few extra bucks every time you buy groceries online.Extra chargesAt the grocery store, the price you see is typically the price you pay. But online, fees for delivery, service, alcohol, memberships and subscriptions could be tacked onto your bill. Extra charges could range from a couple dollars for a service fee to about a hundred dollars for a membership.“You’re spending more money because it’s a service,” says Jennifer Weber, a certified financial planner in Lake Success, New York.How you use that service can also affect the cost. Often, you’ll pay a premium for quicker or high-demand delivery times. Then, there are tips. Tipping, while optional, is a simple way to support the workers risking their health to provide you with an essential service. Many grocery services set a default tip, so make sure to pick the amount you prefer.SubstitutionsItems could be unexpectedly out-of-stock, incorrect or missing from your delivery. Certain services allow substitutions for unavailable inventory. However, that can come at a higher cost. When the conventional tomatoes I ordered sold out, I ended up with organic tomatoes for more.When using services that charge for pricier replacements, consider opting out of automatic substitutions or allocating a few extra dollars toward your grocery budget as a cushion. Inspect orders closely upon arrival as well and notify the company if you’re charged for forgotten or incorrect items.Impulse purchasesGetting your groceries while sitting in front of your screen isn’t all bad news for your wallet: 46% of consumers say they’ve made fewer impulse purchases since shifting to online grocery shopping in the spring, according to a survey from Magid, a business strategy and research company.“Careful planning and buying only what you intend to is a little bit easier to do online,” says Steve Caine, a partner with the retail practice of Bain and Company, a management consulting firm. “You don’t get influenced quite the same way as you do when you’re walking through a store.”With no enticing candy displays or cleverly arranged shelves to stroll past, you might fill your cart with fewer items. Plus, Caine says shopping online allows you to better keep a “running total” of your purchase, while in the store, you usually don’t know until checkout.Ways to watch your budgetOnline grocery shopping is here to stay for the foreseeable future. These strategies can reduce the strain on your budget.Make a list. Check your fridge or pantry and jot down what you need for the week. “You can think ahead and say, ‘I want to spend 0 or .’ Then, you can do price comparisons for those items,” Weber says.Compare grocery services. Try building a basket on a few different sites to see which offers the lowest price on items. Explore all the costs involved and look for coupons or promotions before checkout.Be flexible. Choosing curbside pickup can help you skip delivery fees, tips and other charges. But if you opt for delivery, note that one-hour or same-day windows could be more expensive. Giving yourself time to plan and pushing it to next-day or two-day delivery can reduce the cost, Caine says.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletWhy Taking Social Security Early Costs Too MuchHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpLauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. 4740
HUDSON, Florida — People living in a Florida nudist community say they're tired of not getting their mail from the postal service. The nudists at the Eden RV Resort in Hudson say one carrier refuses to deliver mail inside of their community because it makes her uncomfortable. Residents are outraged and are concerned they're missing important pieces of mail."There's a postal creed and it doesn't say anything about them not coming to nudist resorts. I pay for a service, I expect that service," resident Leonard Rusin said. They say this has been going on for months and have even reached out to the carrier's supervisor. The post office says that carrier is doing nothing wrong and is entitled to her right not to deliver mail if she's uncomfortable. 796

If you've been looking for a new kitchen appliance this year, locating certain models can be as tough as finding a new Xbox Series X or PlayStation 5.The appliance shortage that began in March shows no sign of letting up.Tommy Conougher is among the many frustrated shoppers. He needs more space in his refrigerator."This is one we've had since we built the house 17 years ago," he said.Like many families during this pandemic, he wants to stock up on frozen beef and chicken."We thought we would just invest in a freezer we would put in the garage, so we started to look."But finding a freezer was tougher than finding Nemo."We have been searching all summer long, nine months, for a freezer," Conougher told us in a Zoom interview from his kitchen."And even when the big box stores have their specials, they don't have them in stock."Many brands, price ranges affectedIt doesn't matter if you are looking for a freezer, refrigerator, range, oven, or washing machine.It also doesn't matter if your budget is 0 or ,000, or what brand you want (though American brands like Whirlpool and Maytag appear to be in better shape than European or Korean brands).You are going to find spot shortages just about everywhere, according to Ken Reiman, co-owner of an appliance distributor.He supplies builders and remodelers, who he says now have to delay finishing some projects due to ongoing shortages."When I check our vendor websites," he said, "they are just not available."He says the shortages that started when factories shut down for two months early in 2020 have not let up."For instance," Reiman explained, "they will give an estimated time of December 5, and December 6 comes around and they have moved to January."Why the shortage hasn't endedReiman says there are 3 reasons for the current shortages.Originally, it was factory shutdowns in March, April and May, along with delays getting appliances shipped from China during that time.The second reason is shortages of foreign-made parts, such as wiring harnesses and compressors, which forces U.S. factories to shut down their assembly lines until product arrives.The third reason is high demand, as people spend their vacation dollars this year on their kitchens instead, Reiman said.His suggestion: Be flexible on brand and model."We have products coming in," he said. "Our warehouses are more stuffed now than ever. But it seems we can't get the full package of matching appliances, which means you may get a range and microwave, but may have to wait three months for the matching fridge."If your heart is set on an exact size, color, and model, he says you could wait till spring.Reiman says your best bet is to ask what models are in the local or regional warehouse that you could get in a few days.While you will find shortages of all appliances, the worst of all are standalone freezers, because not many of them are made.As always, don't waste your money.________________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3244
In a letter to four senators, Social Security Chief Actuary Stephen Goss estimated that if President Donald Trump eliminates payroll taxes, Social Security Trust Fund would be "permanently depleted" by 2023."If this hypothetical legislation were enacted, with no alternative source of revenue to replace the elimination of payroll taxes on earned income paid on January 1, 2021, and thereafter, we estimate that DI Trust Fund asset reserves would become permanently depleted in about the middle of the calendar year 2021, with no ability to pay DI benefits thereafter," Goss said in the letter. "We estimate that OASI (Old Age and Survivors Insurance) Trust Fund reserves would become permanently depleted by the middle of the calendar year 2023, with no ability to pay OASI benefits thereafter."The letter was addressed to Sens. Bernie Sanders (I-Vt.), Chris Van Hollen (D-Md.), Ron Wyden (D-Ore.), and Chuck Schumer (D-N.Y.).One of the executive actions Trump recently signed was temporarily deferring payroll taxes that are used to fund Social Security.On Saturday, President Trump said that he would make "permanent cuts to the payroll tax" if re-elected. 1167
House Democrats held a heated debate Tuesday over a push to impose term limits?on some of their leaders, ultimately deciding to table the discussion until incoming freshmen members can take part in the conversation next month."There's some strong feelings in the room, but we're not going to deal with it today," Rep. Debbie Dingell of Michigan said while leaving the caucus meeting.House Minority Leader Nancy Pelosi of California, as she seeks to shore up support for her speaker bid, is in active conversations with Rep. Ed Perlmutter of Colorado, a leader of the small group of Democrats attempting to block her from the speakership because they want to see new leaders at the top.Perlmutter and his allies are pushing for Pelosi to back a proposal for term limits on senior Democratic leadership positions. While the talks at one point also included term limits for lower-level leadership roles and committee chairs, sources close to the discussion say the conversation has narrowed to a focus on the top three leadership positions.Broadly, the idea of term limits is a contentious topic among Democrats, where a divide exists between those eager to see a new generation of leaders and those who say seniority and experience matter.Incoming House Majority Leader Steny Hoyer of Maryland, who's been in Congress for three decades and served as majority leader when Democrats last held power, passionately decried the idea of term limits on Tuesday.Hoyer said six times that he doesn't support term limits and noted he had repeatedly cosponsored legislation in the past that called for repealing term limits for the presidency."I'm against term limits, because I have a term limit. It's a two-year term limit," Hoyer told reporters. "Every year the citizens that I represent and the members in this House have to re-up my contract."Asked how he feels about Pelosi entertaining the idea of term limits in her negotiations, Hoyer was frank."She's not negotiating for me," he said.Multiple Democrats said the debate in the caucus meeting Tuesday was a broad discussion over the idea of term limits in general, rather than any specific proposal with positions and a set number of terms in mind.Emerging from the meeting, many members expressed some openness to the idea but wanted to see a concrete proposal first."I don't think it's a bad idea. I don't see any downside," said Rep. Bill Pascrell, a New Jersey Democrat. "It keeps people looking forward. I tend to support it right now.""My conceptual thought on this, I think the American people hired us to be the majority in part to bring some change to Congress," said Rep. Raja Krishnamoorthi, an Illinois Democrat. "And therefore we have to figure out how we can put more people in positions of responsibility so they can gain skills to assume leadership in the future."Pelosi, Hoyer and Rep. James Clyburn of South Carolina have been the top three House Democrats for more than a decade, and the trio was recently nominated by the caucus to maintain their positions in the next Congress -- despite some opposition in the party to their long-running places at the top.If Pelosi ultimately supports some sort of term limit, it's unclear how many votes she would win among her detractors, but it could potentially help her get close to or over the 218-vote threshold she needs to win the speakership on the floor.Pelosi, who explored the idea of term limits for committee chairs in 2015, told reporters last week she was "sympathetic" to the concerns of those who'd like to see limits but said it was a matter to be debated by the caucus.Even if Pelosi supports a proposal, it would need to be voted on by the entire caucus, which is already divided on the broader idea of term limits.Some of that opposition can be seen in the Congressional Black Caucus."The CBC has had, it's no secret, a long history of supporting seniority," said Rep. Joyce Beatty of Ohio, who recently elected vice chairwoman of the caucus. "Let's not change the rules when you have women who have finally gotten there, when you have African-Americans -- and why do we make a big deal at this point in time in history that we want to change the rules?"Noting the concerns voiced in Tuesday's meeting, Beatty said she felt confident that "Pelosi will work in the best interest of the entire caucus and not just a minority of the caucus."Rep. Cedric Richmond of Louisiana, chairman of the Congressional Black Caucus, said he's against all term limits, describing the idea as "a solution to a problem that doesn't exist.""She's talking to those guys, but that doesn't mean the caucus has to vote for it," Richmond said, referring to Perlmutter and his allies. "And I think that all she's committing is that she'll support it or something, so we'll see what happens. But at some point those guys got to put all this silliness to bed so we can start governing."While term limits is an idea that could potentially get some Pelosi opponents on board for her speaker bid, others say they won't be deterred from seeking a change at the top.Rep. Kurt Schrader, an Oregon Democrat who's an outspoken critic of Pelosi, said term limits wouldn't be enough to tamp down his quest to see her go."I don't see it happening, frankly," he said of the term limits idea. "Blowback has been significant, as you might imagine. I'm anticipating that we still have the votes to stop her from becoming speaker." 5439
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