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The National Retail Federation expects the average shopper to spend roughly ,000 on gifts this Christmas —up about from the year before.You could end up spending even more, depending on how you pay for it.According to the U.S. Federal Reserve, nearly half of Americans say they couldn't cover an emergency expense over 0. Consumer protection attorney Gordon Leech explains how the interest rate can vary wildly after those flashy offers expire."Good credit helps you it certainly helps you but it doesn't mean that whoever you're getting the credit from is actually giving you the best rate you ought to get," Leach said.Layaway is another option to get what you want without it affecting your credit or paying interest.The Better Business Bureau Serving Wisconsin points out the drawbacks include down payments and fees."What if you're halfway through and you decide you don't want it anymore what kind of refund do you get? Do you get any of it back do you get all of it back?" said Jim Temmer, president of BBB Serving Wisconsin.The number one point the BBB president says is to make sure to stick to your budget. As hard as it is, do not buy what you cannot afford. 1191

The National Transportation Safety Board is finishing up its initial examination into the deadly Southwest Airlines engine failure Thursday -- but many questions remain unanswered.Investigators can't explain with certainty why the left engine of Southwest Airlines Flight 1380 malfunctioned when the plane was reaching over 32,000 feet. It's too soon to determine what happened, said National Transportation Safety Board Chairman Robert Sumwalt."I know people would want answers right away. We would do a very methodical investigation," Sumwalt told reporters Wednesday in Philadelphia. "Right now, we just want to document everything that we can." 656

The lines are long, the anxiety is high. Election 2020 looks and feels a lot different, doesn’t it?The influx of ads all over your TV, the outpouring of robotexts to your phone—the candidates, going back and forth.Deep breaths, everyone. Election 2020 is technically almost over.According to the American Psychological Association’s latest survey, nearly 70% of adults said the election is a significant source of stress.Compare that to the 2016 election, when 52% of adults said they were that stressed.And voters aren’t just stressed about their candidate winning or losing—there’s also so much confusion about filling out your ballot correctly or possible unrest after the results.Dr. Francoise Adan is a psychiatrist at University Hospitals Connor Integrative Health Network. She said election anxiety is especially tough right now because it’s coupled with pandemic stress, racial unrest, and personal losses in 2020.Mental health experts are preparing for an influx of calls in the days after the election, just as they did in 2016.“I saw a lot of people who were disappointed and sad and angry,” Adan said. “And of course, we also saw a lot of people who rejoiced and celebrated—but those are not the people who are going to ask for help.”Adan said feelings of sadness, disappointment, grief, fear and even mourning if your candidate loses are normal.But for some people, those feelings are going to be really profound and interfere with daily activities—and that’s when Adan said it’s important to seek professional help for your mental health.For others, Adan said, self-care is key—yes, you’ve heard that over and over again, but that’s because it works.“And you need to find the one that works for you. It could be exercising, meditation, breathing techniques. Gratitude is one of my favorites,” she said.The doctor also recommends a heavy dose of compassion, no matter the results.“Not only compassion for others and understanding that yes, some people are winners and some people are going to lose—but at the end of the day, we are all in this together. And not only have compassion for others but compassion for ourselves,” Adan said.Voters we spoke to said no matter the outcome they’ll take it all in stride.“What am I going to do if my candidate loses? I’m going to support whoever is there,” said voter Caroline Rogers. “I’m going to believe and hope that this person that we end up electing, whether it be somebody I voted for or not, that they’re going to do what’s best for the country as a whole.”“Accept the outcome,” a voter named Genesis said. “It’s one America, regardless of who you vote for. You accept the results and you follow that person.”Looking at historical perspective is always helpful, Adan said. Americans have been through worse — and made it out stronger.“Eventually we will look at this and say ‘Whew, we made it, and we are better for it.'"This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 2961

The organization that manages presidential debates says there will be changes made “to ensure a more orderly discussion of the issues” at future debates this season.The Commission on Presidential Debates released a statement Wednesday following the first presidential debate held in Cleveland.The debate has been called “chaotic” and hard to follow. Trump’s frequent interruptions of the Democratic presidential nominee defined Tuesday night’s debate, with Biden frequently unable to complete a sentence.The commission makes it clear the debates are “for the benefit of the American electorate,” and they “will be carefully considering the changes that it will adopt and will announce those measures shortly.”Moderator Chris Wallace of Fox News pleaded with Trump several times to allow Biden to speak uninterrupted, to no avail.In their statement, the commission thanked Wallace, saying they are “grateful to Chris Wallace for the professionalism and skill he brought to last night’s debate.” 1001

The pandemic is requiring social distancing from friends and family, leaving many craving physical contact with those they care about. A woman in New Jersey has a clever solution: shower curtains.Melissa Molnar reportedly created a so-called “hug wall” from plastic shower curtains with two arm holes on each side to allow people to embrace.Molnar’s children haven’t been able to hug their grandmother since the pandemic started, so she created the hug wall to celebrate a recent birthday."It's been so hard for everybody in the world, and it was refreshing to be able to hug my parents and see their reactions, and see my children's reactions who have been asking for months when this going to be over,” Molnar told News 12. 733

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