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Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701

When will companies learn the golden rule: Think before you tweet.Keurig and other brands caught flack from all sides for how they responded to social media calls to distance themselves from Fox News host Sean Hannity. Companies walked back statements they made on Twitter or struggled to explain their actual relationships to Hannity -- in each case stoking the social media fires.Critics targeted companies that advertised on Hannity's syndicated radio show as well as his Fox News program after Hannity appeared to defend Alabama Republican Senate candidate Roy Moore on Thursday. Moore has been accused of sexual misconduct with teenagers, including a 14-year-old girl. He has denied the allegations.The firestorm began in earnest on Friday. Angelo Carusone, president of liberal watchdog group Media Matters for America, appealed directly to brands like Keurig to cut advertising ties with Hannity."Good afternoon @Keurig. You are currently sponsoring Sean Hannity's show ... please reconsider," Carusone wrote on Twitter.Keurig responded the next morning. The company said on Twitter: "We worked with our media partner and FOX news to stop our ad from airing during the Sean Hannity Show."Keurig's response was praised by Hannity's critics. But it sparked a backlash from Hannity's supporters, who started a #BoycottKeurig hashtag and, in some cases, even smashed their own Keurig machines.By Monday, Keurig CEO Bob Gamgort had apologized for how Keurig responded."The decision to publicly communicate our programming decision via our Twitter account was highly unusual," Gamgort wrote an internal memo to employees. "This gave the appearance of 'taking sides' in an emotionally charged debate that escalated on Twitter and beyond over the weekend, which was not our intent."Keurig wasn't the only company to walk back its initial response to the Hannity controversy.Realtor.com tweeted on Saturday "we are not currently, and will not be running TV ads on Hannity." But it later deleted the tweet, and on Sunday it posted a statement to its corporate blog with a very different message: "We will continue to place ads across a broad range of networks, including Fox News and its top shows."Reddi-wip, which is owned by ConAgra, tweeted on Monday "our objective has always been to reach fans in ways that align with our values. Therefore, we are removing our ads from the show," in response to a user who asked the brand not to support Hannity. Later, the company said "we removed Hannity from our advertising plans," adding on Tuesday, "this program has not been included in our media plan for a long time."A ConAgra representative confirmed on Tuesday that the company has not advertised with the program for months, but added that the controversy hasn't impacted ConAgra's future plans.Irv Schenkler, Director of the Management Communication Program at New York University's Stern School of Business, said that companies need to take a balanced approach when developing their social media strategies. On one hand, firms should be engaging with their customers online. On the other, they should be wary of jumping into a controversy too quickly, he advised.Sometimes when companies tweet "they are acting from the seat of the pants, as opposed to taking a moment to analyze and examine the dimensions of the event or issue," Schenkler explained.By responding too quickly on social media, companies may end up exacerbating controversies that may fizzle out on their own, he said.Brayden King, a professor of Management and Organizations at Northwestern's Kellogg School of Management, said Twitter can be an easy way for brands to get messages to a large audience. "Twitter reaches a lot of people very quickly," he said, while "a press release can be ignored by the very people you want to see it."But companies do face a risk when they use social media platforms to disseminate a position. "If you don't think through the media strategy carefully, you can expose yourself to criticism from other people -- including people you see as potential customers," King said.Schenkler added that brands may sometimes forget how public their Twitter interactions are."What [brands] might consider to be business conversations are just out there, and people forget that," he said. "And they pay the price sometimes."To protect themselves, Schenkler said, companies may want to enact a social media process or protocol that prioritizes the brand's ultimate objectives -- and keep it in mind when responding to a controversy.  4534

With more than 5 million COVID-19 cases in the United States, the one group that has seen a noticeable rise in infections is children.Over the past four weeks, there has been a 90% spike in known COVID-19 cases among children in the U.S., according to the American Academy of Pediatrics and the Children's Hospital Association."While children represented only 9.1% of all cases in states reporting cases by age, over 380,000 children have tested positive for COVID-19 since the onset of the pandemic," the association wrote in a report. Although, we're seeing more American kids being diagnosed with COVID-19, the mortality rate remains relatively low compared to adults. The association says children represented 0% to 0.4% of all COVID-19 deaths, and 19 states reported zero child deaths. In states reporting, 0% to 0.5% of all child COVID-19 cases resulted in death.Public health officials have warned about opening schools in states with COVID-19 hot-spots. Medical experts say having youth in crowded hallways and classrooms poses a significant threat.There are currently 800 students in Georgia's Cherokee County that are in quarantine due to possible coronavirus exposure. This is just one week after in-person learning began.Some health experts like Michael Osterholm, a director at the Center for Infectious Disease Research and Policy, are concerned another big spike in cases is on the way."We think we're going to see an explosion of cases in September that will far surpass what we saw after Memorial Day and this is just going to continue increasing, getting higher and higher in terms of numbers," said Osterholm.Researchers say an effective testing strategy would help communities properly determine if and when to reopen schools for in-person teaching.This story was originally published by Julia Varnier at WTKR. 1838

What to keep in mind with credit card bill payments (READ)Tips on handling your credit cards amid virus outbreak (READ)Help available for renters, homeowners struggling to pay for housing during pandemic (READ)3 ways credit cards can help you ride out a crisis (READ)SAN DIEGO (KGTV) -- Tens of thousands of people in California are being sued for not paying their credit card bills and other types of loan payments. The lawsuits are what's known as rule 3.740 collection cases."A lot of worrying after that, like oh my god, what am I going to do," said Chris Madden. "Stressed out now and just didn't need it."In February, Madden was served with a lawsuit from a debt collection company.During an interview with 10 News that month Madden said he needed to borrow money a few years ago to keep his car. He turned to a lender that could get him money quickly."I figured it was going to be a high-interest rate, like 22% or something," he said. "I started making the payments on it, and then I found out more about it."Madden admits he didn't do a great job getting all the details when he took the money, saying the interest rate wasn't clear. When he finally did look at the fine print, he saw the interest rate was 135%. Court documents show a ,000 loan turned into ,000 owed."They were threatening to take any assets that I have, garnish my wages," Madden said.Madden said he stopped paying. He's being sued by a debt buyer under what's known as a rule 3.740 collections case.According to the 2020 California Rules of Court, "Collections case" means an action for recovery of money owed in a sum stated to be certain that is not more than ,000, exclusive of interest and attorney fees, arising from a transaction in which property, services, or money was acquired on credit."Team 10 discovered a 157% increase in the number of rule 3.740 collections lawsuits filed in San Diego County court from 2015 to 2019. 1927

Will the iPhone X change your life for the better and usher you into the future, face first? Or is it just another smartphone with a giant screen and a strange little rectangle on top?We've only had the phone since Monday morning. It's more than the few minutes of hands-on time reporters had when the device was launched, but a day is not enough time to fairly review the iPhone X. It's like deciding if you want to marry someone after one blind date.So while we test, tinker and tap this week, here are some first impressions to whet your appetite, presented as yearbook superlatives: 594

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