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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 JERSEY — The teenage girl screamed and fought with the school security officer when he tried to check her bag."The police later told me she had dirty clothes in her bag because she was homeless and didn't want anyone to know," Akbar Cook, the principal of West Side High School in Newark, New Jersey, told CNN. "She was fighting for her pride."Cook said many students at West Side faced humiliation because they didn't have anything clean to wear.So when school starts Sept. 4, there will be a new facility in the building: a free laundromat. 554

NEW YORK (AP) — Apple Music is launching several new radio shows hosted by A-list musical acts, including Snoop Dogg, Shania Twain, and Carrie Underwood. The streaming service announced that it would debut two new radio stations Tuesday: Apple Music Hits focused on popular songs of the '80s, '90s, and 2000s, as well as Apple Music Country, dedicated to the country music genre. “For the past five years, if ever there was a meaningful moment in music culture, Beats 1 was there bringing human curation to the forefront and drawing in listeners with exclusive shows from some of the most innovative, respected, and beloved people in music,” said Oliver Schusser, vice president of Apple Music, Beats, and International Content in a news release. “Now, Apple Music radio provides an unparalleled global platform for artists across all genres to talk about, create, and share music with their fans, and this is just the beginning. We will continue to invest in live radio and create opportunities for listeners around the world to connect with the music they love.”Both channels will have daily on-air hosts but will also include several shows hosted by well-known musicians. Apple Music Hits will include shows hosted by Snoop Dogg, Twain, Alanis Morissette, Backstreet Boys, Meghan Trainor, and Ciara. Underwood, Luke Combs, Florida Georgia Line, Luke Bryan, and Kelsea Ballerini will debut shows on Apple Music Country.The company also announced in the press release they were renaming its Beats 1 radio station to Apple Music 1. Apple Music 1 will feature news shows hosted by Lady Gaga, Travis Scott, Nile Rodgers, and other artists. 1645

Nitro is coming to a Starbucks near you.Every company-operated US Starbucks location will offer the nitrogen-infused cold brew coffee, which comes out of a tap, by the end of next year to meet customer demand, the company said on Thursday.The expansion is part of Starbucks' plan to sell more products next year — especially as Frappucino sales slip.Frappuccinos used to help drive sales for Starbucks. But in recent years, increasingly health-conscious customers have turned on the sugary blended beverages.Cold drinks like iced espresso, cold brew and Refresher juice drinks have driven more than 80% of Starbucks' beverage growth over the last two years, said Roz Brewer, chief operating officer for Starbucks, during the company's investor day presentation."As you know, our primary softness has been centered around Frappuccino," Brewer said on Thursday.Frappuccino drinkers tend to treat the drink as a one-off purchase, she noted. But customers are more loyal to cold brews and iced coffees. "These categories are more habitual and create more brand affinity," she said.The company is not moving away from Frappuccinos, Brewer noted. Starbucks is just offering new options for the blended drinks and expanding its cold drink portfolio.Starbucks started selling Nitro in its Roastery and Tasting Room in Seattle. The brew was such a hit that Starbucks expanded it to 500 Starbucks stores later that year.Right now, 2,500 out of 8,500 US company-operated stores serve Nitro cold brew. The expansion is "pretty substantial for us," Brewer told CNN Business.Nitro-serving taps will be added to all Starbucks stores, Brewer added. "That equipment is coming in around the country now."Brewer said she especially likes how Nitro looks when it's being poured into a glass. That "little bit of theater," she said, adds a visual element to the drink.The company also plans to expand its blended coffee offerings next year."We've got some new things coming ... that will allow us to use Nitro technology plus cold foam," Brewer said. Starbucks introduced cold foam, which tops some of the company's iced drinks, this year. To improve sales at Starbucks (SBUX) stores, the company is also investing in developing digital relationships with customers and making its stores more efficient to allow baristas to spend more time with customers.The company also plans to expand its partnership with Uber Eats to nearly a quarter of company-operated US stores early next year. The Starbucks Delivers pilot program ran in Miami this year. And it's continuing its aggressive Chinese growth strategy with a new virtual store, which allows customers to buy Starbucks gift cards and order merchandise through an integrated app. 2718

New developments have surfaced in the search for a missing 3-year-old Georgia boy.Last week, police in New Mexico rescued 11 starving children, ages one to 15, who were living in squalor at a filthy compound. Among the trash and piles of junk that litters the compound in Amalia, New Mexico, authorities say they’ve found the remains of a young boy.The remains could be those of Abdul-Ghanni Wahhaj, who went missing in Georgia late last year. His fourth birthday was on Monday.Five adults were taken into custody after authorities raided the compound, where they found children living with no plumbing and rags for clothes. 632