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Coronavirus cases are surging across the US, and the timing for retailers could not be worse. With Thanksgiving and the start of the busy holiday shopping season less than 10 days away, there is obvious concern for retailers headed into the season.But a Washington State University survey shows shoppers find it is important to support businesses during the pandemic.The survey found that 71% of shoppers say shopping in-person is worth it when it's to help local businesses stay open.But it seems like the pandemic is discouraging some Americans from participating in Black Friday sales. The survey found that 76% of shoppers said they would rather do something else on Black Friday than shop, which is a 10% increase from a year ago.Unlike in years past, many major retailers are opting to close on Thanksgiving. The survey found that 71% of shoppers are more likely to support businesses that give their employees the day off on Thanksgiving."The pandemic will have a significant impact on shopping behaviors this year, with more consumers shopping online than ever before," said Joan Giese, CCB clinical associate professor of marketing. "However, despite these changes, we've found that many consumers feel that holiday shopping will provide a sense of normalcy during an unfamiliar holiday season."The National Retail Federation says that the industry has shown some resilience during the pandemic. The organization says that ,200 economic impact payments helped keep the industry afloat during the pandemic.“Strong growth in retail sales during the last few months points to the resiliency of consumers even in this disruptive pandemic environment,” National Retail Federation chief economist Jack Kleinhenz said. “Taking in all the evidence available, the U.S. economic recovery has progressed more quickly than generally expected.” 1850

CLEVELAND — Who’s been at a store buying holiday gifts and then the cashier asks, “do you want to sign up for our credit card today?” They might offer a discount or something else, but should you sign on the dotted line?“They make it easy. They really make it easy,” Leanne Smith said.Smith is from Solon and knows how stores can tempt you with their credit cards, but she’s sticking to her Target Red Card for now.“I don’t think it’s a responsible thing for me to have one at every store,” she said.Tedd Rossman from CreditCards.com said that if you ever plan on carrying a balance, store cards aren’t going to be the best option for you.“While sometimes these store cards can work for you, most of the time, they’re not the most consumer-friendly option,” Rossman said.That’s because Rossman says the average store credit card has an interest rate of 25%, some as high as 29.99% such as Discount Tire, Big Lots and jewelry store cards like Kay Jewelers.“These cards are not as selective about credit quality, which is why the retailers and their bank partners say they have to charge such high-interest rates,” Rossman said.CreditCardInsider.com recently rated various popular store cards based on various things like interest rates.Here are those results:Target - 24.4%Old navy - almost 26% (25.99%)Walmart - roughly 18-27% (17.99%-26.99%) interestNathan Grant from CreditCardInsider.com said you shouldn’t just sign-up at the checkout on a whim even if there’s a discount offered or cashback incentives.“The percentage of interest you’re paying might end up calculating to be more than what you got from spending on the cards,” Grant said.According to Grant, some of the better retailer cards are:Amazon prime cards with lower interest rates—5% back on Amazon purchases and gift cards when you sign up. Target—higher interest rate, but 5% back. And the only one rated excellent is Costco’s card, which has a 15% rate and various cash back options and good rewards on gas purchases.But keep this in mind: In a survey of nearly 3,000 shoppers nationwide, more than 40% said they regretted signing up for a retail credit card. Plus, one out of five in the survey said they carried a balance from the last holiday season, and more than 50% said they’ve paid interest on a retail store card.“That’s kind of like a wake-up call even to myself to be like I got to make sure that I’m always smartly shopping if I’m using credit cards,” Grant said.For Smith, she said she’s only carried a balance a couple of times in the past 20 years because she knows “if you can’t pay it, you really shouldn’t buy it just because you have a credit card.”Retail credit cards can give you benefits especially if you’re loyal to the business. It could help you build credit, but you’ll want to pay off your balances every month and spend responsibly.And another thing to watch out for is deferred interest. Even if you owe just one dollar by the time the term ends, you could end up paying interest on the entire amount you initially financed.This story originally reported by Jonathan Walsh on News5Cleveland.com 3102

CLEVELAND — A book club geared towards senior citizens is helping older Ohioans feel less alone during the coronavirus pandemic.Meet Ann Kuula. Like so many seniors this year, the coronavirus pandemic has left Kuula isolated — separated from family and friends through necessity.Her birthday celebration consisted of her kids singing to her in her front yard.“My oldest son Matt made his first cake and wrote ‘Sweet 16’ because, at age 79, 7 and 9 is sixteen,” Kuula said.So when Kuula got the chance to take part in a pilot program book club for seniors, she couldn’t wait.“When I got the book, I couldn’t put it down,” she said. “Keeping our mind busy!”That could be crucial for older Americans amid the pandemic. According to a Washington Post report, doctors have reported increased falls, pulmonary infections, depression and sudden frailty in patients who had been stable for years.“Human connection is a huge piece of what keeps us healthy,” said Ann Smith, executive director of Books @ Work.Books @ Work isn't a typical book club.— they team up with professors who help facilitate the discussion, in this case, one from Kent State University. The idea came from the Literacy Cooperative, a Cleveland-based nonprofit.They got in touch with seniors who wanted to take part through the Cleveland Department of Aging.“But because most of the folks who participated in this program don’t have internet access, don’t have computers, we actually did this one by phone,” Smith said.Group leaders hooked up a specific phone line that the seniors could call in to — and then, they let them talk. Their first book? "The Only Woman in the Room" by Heather Terrell— a historical novel about a brilliant female scientist only remembered for her beauty despite her many contributions to modern society.“The fact that people were able to connect even over the phone, just as disembodied voices and yet they still opened up tremendously,” Smith said. “Some of them shared very personal experiences.”Even from miles away, through the most basic of technology, books can bring people together.“Meeting these people over the phone was so enriching,” Kuula said. “And that’s what older people need — socialization, reminiscing, and enrichment.”Right now, the program is looking for funding to support more rounds of participants since the books were sent to the seniors free of charge.This story was originally published by Homa Bash on WEWS in Cleveland. 2451

CLEVELAND — A Cleveland school security guard who was charged with rape, accused of soliciting and sexually assaulting multiple students, was reported for inappropriate behavior to Cleveland Metropolitan School District months before he was arrested. Derrick Dugger, 29, a security guard at East Technical High School in Cleveland is due back in court Tuesday morning for the charges. According to court records, investigators said he forced a 15-year-old girl to perform oral sex and sent inappropriate messages to students. A detective wrote in the report that Dugger was “predatory” and “a danger to these young ladies.”Dugger was formally charged with rape last week after an investigation began earlier in November, but one Cleveland family told Scripps affiliate WEWS-TV that they reported him months before.According to Joyce Swann, her 15-year-old daughter who has special needs made a complaint about Dugger soon after the school year began at East Technical High School.A CMSD report of that complaint obtained by WEWS is dated September 7 — more than 2 months before Dugger was charged.In the report, Swann’s daughter told the dean that at first, the guard asked her if she had a boyfriend and asked to check her phone. The next day, he greeted her by saying, “Good morning baby.”After that, the student reported, the guard told her he “liked the way she twerked that a**” on Instagram.The student said she felt uncomfortable and reported it to the dean, who called her mother and told her they would take a report and investigate.But Swann said she never heard an update until the day Dugger was charged.“Who would say that to a little kid? You’re supposed to be making sure these kids are safe and you’re preying on them,” Swann said.She said she is terrified of what could have happened had her daughter not reported it — and angry that the school didn’t do more initially.“My daughter is a special needs child. He never would have thought in a million years that she would go to authorities and make that report,” Swann said. “I don’t know if they just wouldn’t believe her because she’s an autistic girl or whatever, and he’s an authority figure.”Swann said she wishes she would have pursued the school more with updates on the investigation and encourages other parents to listen to their kids and take action.CMSD sent WEWS the following statement: 2399

Cristina Schaffer was behind the lens as a professional photographer for 17 years, but the images she captured after COVID-19 are unlike anything she took before."I took out my biggest lens, I was about 20 feet away she opened up her door and had words writing on her hand and she was such a bright light totally happy," Cristina described of a woman she photographed from behind a window who was battling stage 4 breast cancer.It's all part of her 'front porch portrait' collection."They come to front porch and I just direct them from there. Each shoot's about 10 minutes unless its a big family."Cristina started the project after COVID-19 forced everyone in."It was like 'let's take photos and capture a moment in time' and this moment in time is crazy unprecedented and I think that's what attracts people."The photos were all taken from a distance. "I let everyone know masks signs props are all welcome they can come out in their pajamas or they can dress up to the nines whatever they want I'm just there to capture them on their front porchHer fee was a donation. "Every dollar to goes feeding San Diego. is for four meals so that really makes a difference," she described.Some people gave more and in mid-July, she raised nearly ,000."The compassion and gratitude I feel coming from everyone and being able to support the community at the same time has been incredible."She also proved even amid a global pandemic, a photo was still worth a thousand words. 1485

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