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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

North Wind Heating and Air is a local family-run business proudly serving Macomb County for 28 years. Lisa Agostino signed a work order approving both a service call and repairs to her a/c unit. The part was installed that same day. After the part was installed she reached out to North Wind stating that she no longer agreed with the price of the replaced part. Ms. Agostino was offered a solution to the dispute. She agreed that the part would be returned to North Wind. In turn Ms. Agostino would not be charged. This is what occurred. Ms. Agostino has not been charged for the service call or the replacement part.Days later Ms. Agostino posted false statements about North Wind on-line. She represents that she paid for the service call and replacement part, which she did not. These statements significantly effected North Wind's business. North Wind is a small local business. Ms. Agostino's false and defamatory statements have not only effected the North Wind's business, but has had a direct negative effect on its ability to offer full time hours to its employees.Prior to filing the lawsuit North Wind reached out to Ms. Agostino requesting the removal of the false statements. She refused. North Wind is simply seeking the removal of these false on-line statements.North Wind will continue to proudly serve its customers. 1342

NEW YORK – New York’s attorney general is suing the National Rifle Association, seeking to put the powerful gun advocacy organization out of business over allegations that high-ranking executives diverted millions of dollars for personal benefit.The lawsuit filed Thursday by Attorney General Letitia James followed an 18-month investigation into the NRA, which is a nonprofit group originally chartered in New York.Watch the announcement below:The attorney general is accusing the NRA's top leaders of using the association's funds for lavish personal trips, contracts for associates and other questionable expenditures.James says the leadership’s failure to manage the NRA’s funds and failure to follow state and federal laws led the organization to lose more than million in just three years.In addition to shuttering the NRA’s doors, James is seeking to recoup millions in lost assets and to stop the four defendants in the case from serving on the board of any nonprofit in the state of New York again.Along with the NRA, the defendants in the suit are Executive Vice-President Wayne LaPierre, former Treasurer and Chief Financial Officer (CFO) Wilson “Woody” Phillips, former Chief of Staff and the Executive Director of General Operations Joshua Powell, and Corporate Secretary and General Counsel John Frazer.The lawsuit alleges that the four men instituted a culture of self-dealing, mismanagement, and negligent oversight at the NRA that was illegal, oppressive, and fraudulent.“The NRA’s influence has been so powerful that the organization went unchecked for decades while top executives funneled millions into their own pockets,” said James. “The NRA is fraught with fraud and abuse, which is why, today, we seek to dissolve the NRA, because no organization is above the law.” We are seeking to dissolve the NRA for years of self-dealing and illegal conduct that violate New York’s charities laws and undermine its own mission.The NRA diverted millions of dollars away from its charitable mission for personal use by senior leadership.— NY AG James (@NewYorkStateAG) August 6, 2020 In a statement, the president of the NRA called the lawsuit a "baseless" attack on the organization and the Second Amendment. 2232

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

North Korea has tested a "newly developed ultramodern" weapon in an event supervised by leader Kim Jong Un, state media said Friday, amid faltering nuclear disarmament negotiations with the United States.Very little is known about the weapon or whether it is even new, but the test is the latest sign that Pyongyang is prepared to return to a more militaristic relationship with Washington if talks continue to go poorly."He's tiptoeing towards a more aggressive posture in negotiations with the US and he's signaling that he's not going to give way and can simply return to his old practices if (the US) don't change their approach," Josh Pollack, senior research associate at the Middlebury Institute of International Studies at Monterrey, told CNN.North Korea's state news agency KCNA announced the test on Friday morning, providing no details on the location of the event and little information about the weapon itself other than it was "tactical" and had been commissioned "personally" by Kim's father and predecessor, Kim Jong Il.A South Korean government source with military knowledge told CNN the weapon was likely a piece of long-range artillery "likely to be a multiple rocket launcher.""As it is a tactical weapon test, we do not view it as a North Korean military provocation," the source said. 1320