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Car buyers are noticing fewer 0% APR financing deals for both new and used cars.Why? Edmunds, the online information spot for everything cars, says dealerships are now offering deals to buyers paying in cash. "The better economy is driving interest rates higher, and that's because the fed have elevated interest rates," says Tim Jackson, with the Colorado Automobile Dealers Association. Jackson believes there are always downsides for consumers in a thriving economy, and this is an example. Right now, the average APR is 4.21%. So, if your car cost ,000 and you want to pay it off in 5 years, your monthly payment would roughly be 5. However, if you changed that APR to 0%, your monthly bill would be about 0. That's a savings, which is a significant difference annually. If buying a new car is something you want to do, Jackson says there are a few things you can do to insure the best deal in this economy. First, keep a good credit score. Second, choose the vehicle with the best incentives.  1079

CARLSBAD, Calif. (KGTV) -- If "Toy Story" were real, it might have looked like Sue and Stephen Stewart's rooftop."I thought a few people would notice, but no, they now come by constantly," described Sue Stewart.It all started when Sue and her husband Stephen wanted to bring smiles and joy to their neighborhood amid COVID-19, while they worked from home."He saw something on the internet similar and he thought this is what I'm gonna do. He ordered all of them and then we had to figure out 'How am I going to get them up on the roof?'"Little did they know their small investment would equal something big."I went to get the mail and these people go, 'That is the best thing ever.' You have no idea what an impact he's making. He's making people smile," Sue said about her husband's work.Kids weren't the only ones eager to get a glimpse of their favorite characters."It's couples, it's adults. There's two ladies that walk by every single day and check it out every single day."Every other week was a different scene and sometimes, someone new."We didn't have the aliens so we got the aliens and moved them one time. We moved the position of Buzz and Woody and got Little Bo-Peep in," Sue described.They moved the figurines safely with fishing line. Sue said they chose Toy Story because of it's message that we're all in this together. 1346

CARLSBAD, California — A California says it lost thousands in a bank scam that started with a notice about fraudulent debit charges.Krystal, who did not want to share her last name, lives in Carlsbad with her husband and their dog, Otis. Her husband is in the Marines and was recently in dive school in Florida. During that time, he received a call from what they thought was a USAA representative.USAA is a financial institution that serves primarily military families.“They told him there were fraudulent charges on his debit card and if they weren’t from him, that they’ll cancel the card and give him a new one and it will be sent to him,” Krystal said.She said it was from a USAA phone number.“They sent him a code through via text and had him repeat it,” Krystal said. “You could tell it was from USAA because there are previous text messages from USAA from other times they sent us the code,” Krystal said.Krystal said the caller said they needed to give her husband a new pin number and asked for the current one. In hindsight, it was a red flag, but at the time, he was busy evacuating from Hurricane Michael. The call sounded legitimate, even using the same song USAA uses when her husband was put on hold.“They had his debit card number. They mentioned me as a second account holder,” Krystal said.Before they knew it, their checking account was drained of more than ,800.“[I was] very angry, very heartbroken. Panicking,” Krystal said.Stephen Cobb with cybersecurity firm ESET said technology to make phone numbers look like a different one is increasingly used by crooks."A phone today is just a computer endpoint on a network and as such, its identity can be spoofed,” Cobb said.Krystal’s fraud claim was first denied by USAA, but she kept calling the bank, determined to get answers.“I finally got a hold of somebody in the financial crime department. She was very apologetic [and] said this isn’t the first time she’s heard of this today,” Krystal said.Krystal said she found her debit card was used in multiple transactions on the East Coast. The scammer has not been found.She was finally able to get a refund but has since switched banks. Now if she gets a call from a financial institution, she asks for a call back number to make sure it is real.“It makes me really angry and really sick. I feel really sick to my stomach about it. It makes me think of people that are veterans. What if their money was taken away?” Krystal said.On its website, USAA said this cybercriminal activity is on the rise. It reminds customers that it will never ask for any personal login information. 2609

Charles Lazarus, who founded Toys "R" Us 70 years ago, died Monday, a week after the company announced it will be forced to shut down its U.S. operations.Lazarus, 94, no longer had any ownership position in the chain. He started the company as a 25-year old in 1948, anticipating that the post-war baby boom would create demand for baby supplies and toys. He stayed on as CEO until 1994.The-CNN-Wire 407

California has certified its presidential election and appointed 55 electors pledged to vote for Joe Biden, officially handing the Democrat the Electoral College majority needed to win the White House. Secretary of State Alex Padilla’s formal approval of Biden’s victory brought the Democrat’s tally of pledged electors so far to 279, according to a tally by The Associated Press. That’s just over the 270 threshold for victory. These steps are often ignored formalities. But the hidden mechanics of electing a U.S. president have drawn new scrutiny this year as President Donald Trump continues to deny Biden’s victory and pursues specious legal strategies aimed at overturning the results. 699

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