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The major boom of online grocery ordering shows no signs of slowing down. More than six months into the COVID-19 pandemic, industry experts say the new convenience of ordering groceries through an app is here to stay. "In fact, it's been a huge acceleration. All of our clients that we serve, and we serve some of the biggest supermarkets in North America and the world, they picked up three times the volume that they were doing before this pandemic. And, in fact, more of them didn’t picked up more volume because they couldn't just fulfill enough orders at a time," said Max Pedro, the co-founder and president of Takeoff Technologies. Takeoff Technologies creates automated grocery fulfillment software for some of the biggest grocery chains in the country, including Albertsons, Safeway and Shoprite. The technology requires supermarkets to build a 10,000-square-foot warehouse directly behind their store. When a shopper places an online grocery order at one of these stores, the robots fulfill the order, automatically placing the items in bags, ready for the customer."What happens is those robots bring those individual items to a human being, but those items are coming to a person. They're suddenly making people 13 times more productive than if they have to roam a supermarket aisle to assemble that order," said Pedro.The company has already hit their five-year goal in just four months. "And it’s happened really fast and what’s also happening is we know that consumers are not going back to their previous behaviors. We forcefully trained many, many people to buy their supermarket carts online and they're sticking to it," said Pedro.Laurentia Romaniuk, an Instacart Trends Expert, agrees. "We've seen customers continue to use our site. It seems like online grocery is really here to stay. It's interesting because online grocery has existed in other countries for decades and people have built habits around it in other countries and I think, finally, now America is getting on board with the online grocery trend," said Romaniuk.Instacart, which offers grocery delivery service for a fee from a number of grocery stores across the country, says use of their site went up exponentially at the start of the pandemic. Now that we're in the fall, parents and children are still working and taking classes from home and the need to get groceries delivered or gathered for them, is still there. "Yes, customers are going online and shopping online and becoming more comfortable with that, but also hobbies and habits and eating patterns are changing," said Romaniuk.Pedro says pre-pandemic, only 10% of the market was buying online. It's now grown to 27%. "Remind you that four years ago, the U.S. market was half-a-percent online. Grocery is a really rough category to offer online and still maintain those low prices. Now, with these capabilities and that further need of getting the convenience factor, things have just taken off," said Pedro. Pedro suspects the entire retail industry will soon start reinventing itself, developing technology to offer more delivery and pick-up options to better serve customers who no longer want to go shopping in person. 3181

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 mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211

The National Rifle Association should move its annual convention from Dallas to somewhere else after last week's massacre at a Florida high school that left 17 students dead, a Dallas city official says.It's not appropriate for the group to meet in Dallas in May because there's so much gun violence in the United States, Dallas City Council Member Dwaine Caraway saidAssault rifles like the one used in the Florida school shooting should be outlawed, he said Monday at a news conference, and "the NRA needs to step up to the plate and they need to show leadership."CNN's calls to the NRA for comment were not immediately returned.Caraway, who is serving as mayor pro tem, meaning he fills in when the mayor is absent, said he's expressing a personal belief about the NRA and has not initiated any action in the city government to stop the convention.At a Monday news conference, Caraway said he had not spoken directly to any NRA officials."I am saying to the NRA, reconsider yourselves coming to Dallas," Caraway said. "There will be marches and demonstrations should they come to Dallas and we, Dallas, will be the ones that have to bear the cost and the responsibility and to protect the citizens."Caraway noted that gun violence has visited Dallas before, with the 1963 assassination of President John F. Kennedy and the 2016 slaying of five city police officers. Caraway said he owns five firearms himself but thinks assault rifles should only be available for the military and law enforcement."Who needs an AR-15 to go hunting?" he said. "Who needs an AR-15 to protect their house?"The NRA convention is scheduled to take place May 3-6 in the Kay Bailey Hutchison Convention Center in Dallas. This is the group's 147th annual meeting, according to the NRA website, which invites "over 80,000 patriots and 800+ exhibitors" to attend."Why the NRA now?" Caraway said. "Because it's their convention. It's because it's their responsibility. It's because they stand for the very things we are confronted with every day of our lives. Those kids in Florida, they will have to live with these nightmares the rest of their lives."In a Tuesday interview with CNN, Caraway said leaders should listen to those students."If those kids in Florida, for example, knew that something was being addressed then they wouldn't be staging protests," he said. "Those kids need to be at the table, and voicing their opinions. The NRA needs to open their ears and hear what is it we need to strengthen, what it is we need to limit, and then everyone comes out happier and safer."Dallas Mayor Mike Rawlings issued a statement saying he disagreed with the NRA's viewpoint and tactics, but "they have a legal contract that was signed in 2012 and I'm not advocating that we violate that agreement. Hopefully we will take the opportunity in Dallas to engage in meaningful dialogue about how we work together to end mass killings in America."President Trump spoke at the 2017 NRA convention, which was held in Atlanta. It's not known if he will attend the 2018 meeting.  3059

The race for a COVID-19 vaccine appears to be on the horizon. But without large numbers of Americans getting the vaccine, the notion of herd immunity could be a challenge. Some are pondering whether people should be required to get a vaccine.Coronavirus cases are spiking across most of the country. Hospital ICU beds are becoming scarce, and a number of states are warning of potential lockdowns.“If they don’t start to bend this curve, then it is clear that we’re going to have to take more difficult measures and go to a stay-at-home order,” said Illinois Governor JB Pritzker.But there was some good news this week. Pfizer concluded phase three of its vaccine study. The two-shot course they say is 95 percent effective against COVID-19. Earlier in the week, Moderna said its vaccine is 94.5 percent effective.“Based upon the preliminary data that is out there, these vaccines appear to be quite safe and very, very effective at preventing COVID,” said Dr. Tina Tan, a professor of infectious disease at Northwestern University’s Feinberg School of Medicine and a pediatrician at the Ann & Robert H. Lurie Children’s Hospital in Chicago.If green-lit by the FDA, one question that may arise is whether Americans should be mandated to get vaccinated. In August, Dr. Anthony Fauci weighed in.“You don’t want to mandate and try and force anyone to take the vaccine. We’ve never done that,” said Fauci.According to a Pew Research survey in September, about half of U.S. adults (49 percent) said they definitely or probably would not get vaccinated. That was up from 27 percent in May.“I think it's going to be really important to build public trust before we talk about mandating vaccines for adults or even for children,” said Tan.Tan points out that none of the vaccines have been tested in children, and so, school mandated vaccinations could be years away.Still, legal scholars say local vaccine mandates have historically had solid legal precedent for enforcement for more than a century.“The short answer is yes, a vaccine can be mandated under the law,” said Juliet Sorensen, a professor of health and human rights at Northwestern University’s Pritzker School of Law.Sorensen says it’s still a complex question, not just about whether a vaccine can be mandated, but whether it should be.“The Constitution empowers state and local governments to take measures in furtherance of the public health as long as there is a basis in science for doing so,” she explained.And while few are endorsing a vaccination mandate right now, as the death toll climbs without universal mask-wearing and social distancing, it could be up for further debate. 2655

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