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In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

In a typical year, most people want to see family for the holidays. But many people don’t really want to stay with family.So if you’ve already made the decision to spend the holidays this year with family members outside of your household, here’s one perhaps welcome byproduct of 2020: Instead of sleeping in your childhood bedroom or on the basement futon, you might finally stay in a hotel.While 95% of Americans say it’s usually important to spend the holidays with family, 30% say they believe they would enjoy the holiday season more if their family came together without all sleeping under the same roof. That’s according to an online survey of 2,000 U.S. adults by SWNS Media Group and commissioned by Motel 6, done in 2019 — before COVID-19 was part of the vernacular.Now you have reason to be optimistic about an otherwise brutal 2020 — you finally have a tough-to-argue-with excuse to not stay with family (or not to let family stay with you, if you’re usually the host). Instead, if you’re still planning to see family, it’s more likely that this is the year you find yourself staying at a hotel or vacation rental.Here’s why you should take advantage of this one silver lining in what most people agree has been a crummy year for traveling and seeing family.You’ll have better quality timeTwenty percent of respondents in SWNS Media Group’s 2019 survey said getting on each other’s nerves was a top concern when it comes to staying with family during the holidays. Another 20% cited family drama. More time together means more opportunities to get annoyed and allow tense topics to creep up: the election, the pandemic, the economy, healthcare … and the list goes on.According to the Centers for Disease Control COVID-19 guidelines, gatherings that last longer pose more risk than shorter gatherings. So instead of a long weekend with family, this year you might meet up for a few hours to have Thanksgiving dinner at a park, or to go on a neighborhood walk to view the Christmas lights.Just a few hours together before heading back to your hotel allows you to focus on easier conversation topics without causing a ruckus. That’s enough time to discuss the latest happenings in Zoom school or to chat about your newfound hobbies, without getting into areas that are more likely to ruffle feathers.You’ll sleep more comfortablyStaying with family as an adult can be uncomfortable — literally. Maybe you and your kids are shoved in a basement. A loose piece of plywood from the futon is jamming into your back. Your kids are in sleeping bags on the floor in the hallway, blocking your path to the bathroom (which you’re sharing with your sibling and their own family).This year, go for the hotel or vacation rental. You’ll have a real bed. The kids might get their own room, and you won’t have to share a bathroom with anyone outside of your household.You’ll also get to live on your own schedule. So turn on the TV in the morning without worrying about your host’s dog barking at it. Or stay out as long as you want, without grandma worrying that you’re out too late (even though you’re a full-grown adult).You have a good excuse not to host guestsIf you’re usually the host, you already know it’s a lot of work. But this year, you’ve got a built-in excuse to avoid those extra loads of laundry and dishes. No making sure you have enough vegan, gluten-free and keto food options in your pantry to accommodate all of your guests.Instead, you have an opportunity to see family members in your city without them living inside your house. This year, you might recommend the family meet up for apple-picking (the CDC lists visiting orchards where people use hand sanitizer before picking apples as only a moderate-risk activity).Even if you’re still serving as the host in some capacity — perhaps offering up your backyard for an outdoor feast — you’re off the hook for one of the worst aspects of being a host: ensuring everyone has a bed to sleep in for the night. Nearly 40% of hosts said organizing sleeping arrangements is one of the most stressful parts of preparing for guests, according to the SWNS Media Group survey.You won’t offend your host by not staying with themWhile some folks find aspects of hosting incredibly stressful, some guests find it just as stress-inducing to decline invitations from hosts who insist you sleep over. Some of the world’s top etiquette experts have devoted effort into devising ways to politely-but-firmly decline invitations from hosts who are adamant that you stay over.Bu this year, you don’t need an etiquette expert to help you explain why you’d rather opt for a hotel.You’ll find better hotel deals this yearIf you’ve always toyed with the idea of staying at a hotel but staying with family usually wins out in the name of saving money, here’s another reason to give in to the hotel for the 2020 holidays: You’ll likely score better rates than in any other year.With summer travel down, hotel chains offered up some pretty good deals, many of which are still valid now — and many hotels offered up bonus points in their loyalty programs with every stay. At one point, Best Western was handing out gift cards just for staying with them.Luxury travelers can still take advantage of a super sweet deal in Fairmont’s nearly unbeatable buy one, get one free offer for every night’s stay until April 30, 2021 (book before Nov. 16, 2020).If travel doesn’t pick up, it’s likely you’ll find more deals ahead of the winter holiday season. In fact, Hyatt has already announced that all World of Hyatt members will earn 3x points for qualifying stays through January 4, 2021, for up to 150,000 bonus points (anyone can become a member for free online).And if you’re a Hilton Honors member, you’ll earn double bonus points for stays at Hilton hotel between now and December 31, 2020. That’s good for building up your hoard of Hilton Honors points, but it’s also great if you’re trying to earn Hilton Honors elite status, as you’ll also earn double night credits for your stay.The bottom lineThis year has been rough in a lot of ways, but it’s also provided opportunities for silver linings. Travelers have already experienced some positive changes, like waived airline change fees, improved hotel cancellation policies and better airplane sanitization (because when were the tray tables ever cleaned before this?).And this holiday season, there’s one more reason to look on the bright side: Whether you’re masking it up for Christmas this year or hosting a socially distanced in-person Thanksgiving picnic, you’re finally off the hook for sleeping on the squeaky futon in the basement. Perhaps the best present you can give yourself this holiday season (without feeling guilty about it): your own hotel room.More From NerdWalletWhen Should You Book Basic Economy?Travel Insurance Options for Digital NomadsHow Safe Is Air Travel Right Now?Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 6979

Hundreds of thousands of dollars in coronavirus relief payments have been sent to people behind bars across the United States, and the IRS wants the money back. The federal tax agency is asking state officials to help claw back the cash it says was mistakenly sent. The legislation that authorized the payments during the pandemic doesn’t specifically exclude jail or prison inmates. An IRS spokesman says the agency is relying on the unrelated Social Security Act, which bans incarcerated people from receiving some types of benefit payments. Some groups say inmates need the money, especially if they've been recently released. 637

If you’re having problems with your Airpods Pro, Apple wants to replace them for free.The technology company launched a repair program that offers free repairs or replacements on defective Airpods Pro.The program will replace your Airpods Pro if you’re experiencing noise cancellation issues, crackling or static.Apple says a “small percentage of AirPods Pro” were affected.Also, they must’ve been manufactured before October 2020.The company says consumers have three options to get their Airpods fixed:Find an Apple Authorized Service Provider.Make an appointment at an Apple Retail Store.Contact Apple Support.Apple says the program will cover the faulty Airpods for two years after Apple sold them. 710

In a survey of 1,000 small business owners conducted by the US Chamber of Commerce, 57% ranked the economy as the first or second most important issue influencing their vote in the 2020 Election. With 30.2 million small businesses in the US, according to 2018 US figures, these voters make up a significant chunk of the electorate. “Small businesses provide so much to our economy,” Pete Mikulin, CEO of 3R Technology Solutions said. The company focuses on electronics recycling and data destruction.“We’re fortunate in that we’re OK. We’re just OK,” he said. The pandemic hit businesses hard like Mikulin's hard. “It wouldn’t take much right now to ruin, completely destroy the small business landscape.”Many are not sure what the future holds.“Your plans go out the window,” Mikulin said. “So you deal with it everyday, day by day, and it’s survival.”“It feels like we’re alone. It feels like there's no one in our corner as a small business owner,” he added.“There’s concern of the small businesses that not enough attention is being paid to them in Washington, that Washington is looking at some of the bigger items in the election and they’re forgetting about the fact that small businesses is the major driver of our economy,” Mac Clouse, business expert for over 40 years and professor at University of Denver, said.“The stock market is a general indicator of what's going on with stock prices, and stock prices are usually reflective of your larger firms, firms that are publicly traded,” he said. “That really doesn't measure what's happening with the mom and pop businesses, the small businesses. The only way we know how they’re doing is to ask them.”Of those surveyed, 78% said the economy was “average," “somewhat average," or “very poor” in August.“When you have people saying the stock market is doing great but 78% of business owners are saying the opposite, clearly there's a breakdown, not in what's being discussed, but what is meaningfully being discussed and taken action on,” Carlin Walsh, Owner and CEO of Elevation Beer Company, said. His business was impacted by shutdowns and restrictions.“Total, our revenue was cut 60% for what we normally would be,” he said. “I am not comfortable with what the next three to four months brings, so because of that, we've been putting more money than usual into savings.”Without the same safety net some of the larger companies have, small businesses are taking things day by day.“For them, what’s important is what’s going to happen in the next three to six months,” Clouse said.Many are waiting to see if they’ll see any help from the government. Surveys from the U.S. Chamber of Commerce show a majority of small business owners are more interested in the 2020 election compared to 2016.“We need our elected leaders to come together and provide targeted relief to the industries of small businesses that have been most deeply impacted, and that doesn't necessarily mean financial help although that's required as well,” Mikulin said. “All we’d like to do is keep our doors open and people employed. That’s it. That’s all.” 3095

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