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Nine months into the COVID-19 pandemic and many people are inching by by making minimum payments on credit cards.But with Pandemic Emergency Unemployment Compensation set to expire next month, staying in good standing with your credit card companies may be getting harder.Many credit card companies are willing to set up a payment plan and waive fees or lower interests on your payments for a certain period of time, but there’s always fine print. There are other options without impacting your credit score.Getting by by making minimum payments on her credit cards, Jana Krause is feeling financially strapped."I'm finding myself in a position that I was able to make my credit card payments on time. Now I'm concerned that that’s not going to be a happening thing coming up in the next months," Krause said.With the Pandemic Emergency Unemployment Compensation set to expire next month, Krause reached out to her credit card companies hoping she can lower her minimum payments without having to go into a hardship program that would freeze her account and potentially impact her credit score."I'm stuck between a rock and a hard place," Krause said. "I've never experienced something like this in my life. I've never been out of a job."At 74, Krause is considered high risk for COVID-19, and going back to teaching wellness classes is not an option for her.Sara Rathner, a credit card expert at the finance company Nerd Wallet, said Krause is not alone."You can look into other options to free up cash in your budget to fulfill other obligations," Rathner said. "Turn to your utility companies, your landlord, your mortgage company, see what sorts of help they can provide. Maybe by freeing up cash in that way you’ll still be able to meet the minimum payments on your credit card."And if that’s not possible, research personal loans or debt consolidation programs. But beware of scams."You can start with non-profit credit counseling that can help you come up with a debt repayment plan and debt consolidation, or even just get help reworking your budget to see if you can free up money to pay your bills," Rathner said.Krause said she’s already cost-conscious doing groceries."I'm not going to one of my favorite stores and getting my favorite treats, nothing. I mean, all that’s been cut out," Krause said.Hardship payments programs may not be for everyone, but Rathner said weigh your priorities before you knock it."In an emergency, your credit score doesn’t need to be your first priority," Rathner said. "You can get yourself into a more stable situation and then focus on rebuilding your credit from there. Right now if what you need to do is keep a roof over your head, keep the lights on, and keep food on the table, that’s your number one priority."This story was first reported by Michelle Quesada at WPTV in West Palm Beach, Florida. 2856
NEW YORK (AP) — Police have made an arrest in a mystery that's been stopping New Yorkers in their tracks for months: a wave of subway trains grinding to a halt because someone pulled the emergency brake.Isaiah Thompson, 23, of Brooklyn, was arrested late Thursday after police publicized video of a man they say pulled the emergency brake on a train in Manhattan during the Tuesday evening rush hour.Thompson was awaiting arraignment Friday on charges related to the Tuesday incident. He's also accused of committing a lewd act in the subway.Police are investigating whether he's behind about 40 other brake-pulling incidents that have cascaded into hundreds of delayed trains — and thousands of frustrated commuters — since February. Police on Thursday released images and video of a man they say rode on the outside of a car for several stops before entering the car and pulling its emergency brake and fleeing.Chief Edward Delatorre, of the NYPD's transit division, said police believe Thompson is responsible for "several incidents where he endangered subway riders (and) disrupted passenger train service."Thompson's record includes more than a dozen arrests, mostly for subway-related incidents. Police say he's claimed to get a thrill out of "subway surfing" and enjoys causing havoc in the transit system.It wasn't clear if Thompson had a lawyer who could comment on his behalf.Police believe someone has been using a key to get into an unoccupied motorman car and then engage the emergency brake."Let this be a reminder that anyone who intentionally disrupts the subway, endangering our employees and customers, will be sought by the police and caught," Transit Authority President Andy Byford said in a statement Friday.Byford said whoever is responsible for the series of brake-pulling incidents "should face a lengthy prison term and the strictest possible penalties." He's been pushing to ban people who repeatedly commit offenses in the subway.The video of Tuesday's incident involved a man police say rode on the outside of a northbound 2 train for several stops before entering the car, pulling its emergency brake and fleeing.The man was wearing a Nike T-shirt with the slogan: "Swag Don't Come Cheap." 2227

Neil Simon, the playwright and screenwriter whose indestructible comedies -- including "The Odd Couple," "Barefoot in the Park," "The Sunshine Boys" and "Brighton Beach Memoirs" -- made him one of the most successful writers in American history, has died. He was 91.The cause of death was complications with pneumonia, according to a statement from public relations firm DKC/O&M.Simon died sometime overnight Saturday at New York-Presbyterian Hospital in New York City, the statement said. 501
NEW YORK (AP) — The U.S. Justice Department is asking to take over President Donald Trump’s defense in a defamation lawsuit from a writer who accused him of rape. Federal lawyers also asked a court Tuesday to allow a move that could put the American people on the hook for any money E. Jean Carroll might be awarded. The Justice Department lawyers argue that Trump was “acting within the scope of his office” when he denied Carroll’s allegations last year that he raped her in a New York luxury department store in the mid-1990s.She says his comments besmirched her character and harmed her career.The filing complicates, at least for the moment, Carroll’s efforts to get a DNA sample from the president as potential evidence and to have him answer questions under oath.It comes amid concerns that Attorney General William Barr has gone out of his way to intervene in other legal cases involving Trump or his allies. Barr tried to decrease the amount of prison time his office sought for Trump ally Roger Stone following a criminal trial where he was found guilty. (Stone’s sentence was later commuted by Trump.) Barr’s Justice Department has acted to dismiss its own case against former national security adviser Michael Flynn.Carroll’s lawyer, Roberta Kaplan, called the department’s argument “shocking.” 1314
New research suggests that antibodies the immune system makes to fight the new coronavirus may only last a few months in people with mild illness, but that doesn’t mean protection also is gone or that it won’t be possible to develop an effective vaccine.“Infection with this coronavirus does not necessarily generate lifetime immunity,” but antibodies are only part of the story, said Dr. Buddy Creech, an infectious disease specialist at Vanderbilt University. He had no role in the work, published Tuesday in the New England Journal of Medicine.The immune system remembers how to make fresh antibodies if needed and other parts of it also can mount an attack, he said.Antibodies are proteins that white blood cells called B cells make to bind to the virus and help eliminate it. The earliest ones are fairly crude but as infection goes on, the immune system becomes trained to focus its attack and to make more precise antibodies.Dr. Otto Yang and others at the University of California, Los Angeles, measured these more precise antibodies in 30 patients diagnosed with COVID-19 and four housemates presumed to have the disease. Their average age was 43 and most had mild symptoms.Researchers found that the antibodies had a half-life of 73 days, which means that half of them would be gone after that much time. It dovetails with a previous report from China also suggesting antibodies quickly fade.The results “call for caution regarding antibody-based ‘immunity passports,’ herd immunity, and perhaps vaccine durability,” the California authors write.That’s true, Creech said, but other parts of the immune system also help confer protection. Besides churning out antibodies, B cells develop a memory so they know how to do that again if needed.“They would get called into action very quickly when there’s a new exposure to the virus. It’s as if they lie dormant, just waiting,” he said.Other white blood cells called T cells also are better able to attack the virus the next time they see it, Creech said.Although circulating antibodies may not last long, what we need to know is if and how people remake antibodies if exposed to the coronavirus again and if they protect against another infection, Alison Criss, an immunologist at the University of Virginia, wrote in an email. “We also need to know if there is a protective T cell response” that reappears.Vaccines, which provoke the immune system to make antibodies, might give longer-lasting protection than natural infection because they use purified versions of what stimulates that response, she noted.Creech agreed.“This shouldn’t dissuade us from pursuing a vaccine,” he said. “Antibodies are only a part of the story.”___Marilynn Marchione can be followed on Twitter at http://twitter.com/MMarchioneAP___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 2967
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