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New payment options are popping up in your online shopping cart.There's been an explosion of retailers, including Amazon and Target, adding buy now, pay later options.“In general, I'm not a huge fan of these services really, because I'm worried about any sort of consumer debt,” said Ted Rossman, a financial expert at Bankrate. “And if you don't really have the money to pay for it today, but you think you'll have it in six weeks, that's a slippery slope.”Rossman says point-of-sale apps have seen triple digit growth over the holiday season.They typically require a payment up front and a few more payments spread out over six weeks or so. If you pay on time, usually there's no interest or fees.Rossman says research has found that almost half of buy now, pay later customers have paid late at some point, mainly because they were disorganized.Stores like them for several reasons, including because they tend to get people to spend more.“They also like the potential loyalty and big data play that they can actually learn a lot about their customers, and they work very closely with a lot of these services,” said Rossman.Most buy now, pay later lenders typically do a soft credit check. They won't typically help you build credit, but they could hurt your credit if you pay late because they will report that.“I just think that's a little bit short sighted, because if you use a credit card and are paying full, you avoid interest, but you get better promotions, you get rewards, you get better buyer protections,” said Rossman.Rossman says these options are appealing even to people who have credit, because of their predictability.He thinks we will see more of these with retailers not being able to push store credit cards as much with fewer in person shoppers. 1778

Nearly two dozen schools in metro Detroit were closed on Thursday due to threats. Detroit Police Chief James Craig said since the Florida school shooting on Feb. 14, DPD received a total of 40 threats, consisting of two bombing threats, 34 shooting threats, and two bombing and shooting threats.At one of the targeted schools, John R. King Academy, class was already in session when the bomb squad arrived at the school on the report of a suspicious package. The kids were dismissed for the day after it was found to be safe.Anyone arrested could potentially face charges of terrorism and making threats online. If convicted, those charges carry a 20-year penalty.Craig said in the last 24 hours, DPD has received 23 threats. Three juveniles and one adult have already been arrested for numerous threats. Craig says more people will be in custody soon."It's going to end," he said. "We know that these types of threats create significant fear." The chief also says any parent found covering for their child could also face charges. 1054

NEW ROCHELLE, NY — Gigi Martinez held tight to her daughter, sobbing in the doorway of the Dumont Rehabilitation Center in New Rochelle Thursday.It was the first time the 60-year-old mother and grandmother from Yonkers was seeing her family in the outside world since March 28 — four months ago — when she landed in Lawrence Hospital with COVID-19."This is a miracle," Martinez said.By early April, Martinez was intubated and put on a ventilator. She remained on the breathing machine for three months, even when she was transferred to Dumont at the beginning of July.After three days on the ventilator, Martinez said doctors were delivering a scary prognosis to her three daughters."Three doctors told them to 'let me go,' but they kept fighting for me," Martinez said.Many COVID-19 patients don't survive after being placed on a ventilator. Patients usually average just three weeks on the machines — far less than Martinez's three months.Martinez developed kidney failure, sepsis and heart failure along the way."The doctors gave her zero chances and told us to 'make arrangements,'" said Milagros Rivera, one of Martinez's three daughters. "I never thought I'd lose my mom to this. We're a prayerful family. We FaceTimed every night and prayed with her."Martinez was weaned off the ventilator in early July and looked frail as she was wheeled out of Dumont on Thursday."I'm a little bit tired, but I'm blessed and so thankful," Martinez said.Because she suffered kidney failure, doctors told Martinez's family that she would likely need to undergo dialysis treatments for the rest of her life. But Rivera says her mother is not currently on any machines to assist with daily functions."I think she was given another opportunity at life," she said.Rivera recounted how her mother, who was born in Puerto Rico, had turned 60 this past February."She was very young and active with an amazing personality," Rivera said.Martinez had been working as an administrator at a transitional housing program for homeless people when she got sick.Following her return home, Martinez extended family gathered at her Yonkers apartment."We ate all together," Martinez said.Rivera called her mother a "true warrior."When Martinez was asked what she wants to do when she gets a bit stronger, she didn't hesitate."When I get better, I'll go to my church," she said.This story was originally published by Mary Murphy on WPIX in New York. 2428

Netflix users are being warned about an email scam targeting the company's millions of subscribers.According to ABC News, the scam threatens to suspend their accounts if they don't update their billing information.The email will ask readers to click a link, leading them to a fake Netflix page and asking them to enter their private information, an Australian cyber security firm said. 393

Newly released dash cam video shows a drunk driver talking with police officers just minutes before he got back into his car, drove off and then collided head-on with a woman, killing them both.The incident happened December 30, 2017.Testing would later determined that Desten Houge's blood alcohol level was nearly three times the legal limit.The video show the aftermath of a single car accident, where Houge lost control and then ended up in the ditch. That accident happened around 4 p.m.Pittsfield Township Sgt. Matthew Hornbeck can be seen talking with Houge and then helping him up after he fell down.Hornbeck would call a tow truck to get the 32-year-old Houge's car out of the ditch. The driver discovered the rear sway bar was busted, but the car was still drivable.Hornbeck and another police officer would clear the scene, but they did not give Houge a field sobriety test.Roughly an hour later and another 1,000 feet down Michigan Avenue, witnesses reported seeing Houge's car fishtailing, then crossing the center line, slamming into another vehicle driven by 55-year-old Lake Jacobson, who died four days later of injuries suffered in the crash.In police reports obtained by Scripps station WXYZ in Detroit, witnesses describe being surprised by the speed Houge was driving, considering he was losing control.Another witness, who swerved to miss Houge, said they saw car parts flying before the collision.The reports cite car condition and a possible collision with a pothole as a factor in the crash. However, those reports were from before Houge's autopsy came back, establishing he had a BAC of .24, as well as THC in his system.Both Hornbeck and the other officer who helped Houge before the fatal accident said they did not notice any signs of impairment.WXYZ was unable to reach Pittsfield Township Police for comment. WXYZ also was unable to reach the families of Houge and Jacobson. 1978