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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

IMPERIAL BEACH, Calif. (KGTV) - The daughter of PGA star Phil Mickelson will make her acting debut in a movie partially shot in San Diego.Sophia Mickelson has a featured role in Ruta Madre, a coming of age story about a singer who discovers his family and roots on a road trip through Baja.According to the movie's website, Ruta Madre deals with issues of self-identity in a bi-national region."It reflects the feeling of many Latinos, especially Mexicans, who have emigrated or were born here, but who have not they feel neither from here nor from there,” director and screenwriter Agustín Casta?eda said in a 2016 interview.Mickelson plays "Daisy," the lead character's childhood crush. She says the story has meaning for people on both sides of the border.RELATED: San Diego film highlights bi-cultural relationship with Mexico"One of the messages that stood out a lot to me is the importance of family," says Mickelson. "Having strong roots in the SD community as well made me want to revisit those kind of family connections and place more value on it."Mickelson's family is well known in San Diego. Her father, Phil, has won 44 events on the PGA tour, including 5 major championships. He's arguably, San Diego's favorite golfer.Sophia hopes the city will embrace her film career the same with people here have rallied around her father. But she says her parents have done a great job of supporting her dreams while not putting any pressure on her."I think they're very supportive of me having my own path and not having to do anything in line with what they've done," she says. Sophia also told 10News she hopes to go behind the camera for her career and work as a director.She's not the only young star of the movie with San Diego ties.Jordi Bertran, who plays a young version of Daniel, is from San Diego as well. He's known around town for roles he's had on stage at the Old Globe."This film feels like a San Diego film," he says. "The story is ultimately about finding your roots. That's really important now because a lot of times it's easy to forget where we come from."For more information about Ruta Madre, including how to watch it in San Diego, click here. 2180

IMPERIAL BEACH, Calif. (KGTV) -- Imperial Beach is known for its surfing, sandcastle competitions, and stunning pier, and now you can add scavenger hunt to the list, with a July event created to showcase the city's history and culture."We really want to make sure we're providing something that gives people the opportunity to get out and enjoy the community," says Imperial Beach City Councilman Mark West.Imperial Beach has partnered with IB Active and the San Diego Bike Coalition to put on the scavenger hunt. "It hunts down beautiful and historical places throughout our community, and it's been a great event," says West.Families can make their way around Imperial Beach searching for clues, problem solving, and completing tasks."We've had over 200 families throughout Imperial Beach who are out every weekend riding their bikes, looking for clues on the Scavify app."West says the scavenger hunt is quite fun, and you might call it "The Amazing Race," Imperial Beach style"It is very similar, but we don't quite go to the extremes they do. It is very fun and a lot about solving problems. I mean there are questions on there like where is the oldest house in IB?" says West.Family fun is what it's all about, especially during the COVID-19 pandemic. "We wanted to provide something for our community that could get them out as a family, and enjoy the outdoors. They can also learn about their community, and see the art we have done," West says. 1461

How much do politicians and Super PACs value Facebook ahead of the 2018 midterms? In some cases, hundreds of millions of dollars.Facebook this week published its political ad archive report, which tracks every political ad bought on the platform between May 1 and Oct. 20, 2018. The social media platform reports that more than 1.5 million political ads were purchased during that time for a total of more than 0 million.President Donald Trump spent nearly million on Facebook ads during that span. The ads purchased were split between Trump's 2020 campaign and the Trump Make America Great Again Committee — a joint fundraising committee between Trump's campaign committee and the RNC.But even Trump was outspent by Texas Senate candidate Beto O'Rourke. The Democrat spent .3 million on Facebook between May and October. By comparison, O'Rourke's opponent Ted Cruz spent about 0,000 on Facebook during that same time period.It's no secret that O'Rourke has relied heavily on social media in his push to turn Texas blue. Over the summer, he got a bump from a viral video that showed him explaining why he supports NFL players kneeling for the national anthem. One version of the video has been viewed 46 million times.Despite O'Rourke's heavy spending, ABC News' FiveThirtyEight still gives Cruz an edge in the polls with a 7 in 9 chance that he is re-elected.Though she is not up for re-election this fall, California Sen. Kamala Harris was also among the politicians that spent big on Facebook, buying nearly 17,000 ads for more than million. Harris is rumored to be eying a run for President in 2020.JB Pritzker, a Chicago businessman who is running for governor of Illinois as a Democrat, spent nearly million on Facebook. FiveThirtyEight gives him an 11 in 12 chance of being elected governor. ExxonMobil, the oil and gas giant, spent the most on political Facebook ads among corporations in 2018, pouring nearly million into 1,700 ads. A search through Facebook's archives shows most of the company's most recent ads oppose Colorado Proposition 112 — a proposition that, if passed, would require oil and gas developments to be at least 2,500 feet from occupied buildings, parks, creeks, and other "vulnerable areas." Oil companies have argued the restrictions would make fracking and oil extraction in Colorado too difficult and expensive.Finally, despite calls for President Donald Trump's impeachment from some Democrats in the face of the Mueller investigation, Congressional leadership on the left has largely chosen not to campaign on the promise of impeachment. But that hasn't stopped wealthy Democratic activists from campaigning for impeachment on their own.Tom Steyer, a longtime Democratic donor ran nearly 6,000 ads on his page paid for by "Need to Impeach", a pro-impeachment fund started by Steyer. The fund is not affiliated with any Democratic candidates. Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 3028

Hurricane Hunters have been flying in and out of Hurricane Delta continuously for days, getting a close-up look as the hurricane has re- intensified.Delta regained some of its previous fury. The hurricane, which was once a Category 4 before striking Mexico, dropped to a Category 1 on Wednesday. As the storm is set to strike the Louisiana coast on Friday, Delta has re-intensified into a Category 3 hurricane with top winds of 115 mph.As of Thursday evening, the hunters found that Delta had a 30-mile wide eye. Getting such detailed data from inside the hurricane can give forecasters a sense of the impact a hurricane will produce.There are two Air Force Reserve groups that fly into hurricanes to send back data to the National Hurricane Center.In total, the Air Force Reserve utilizes 20 WC-130J aircraft that are equipped with palletized meteorological data-gathering instruments.According to the Hurricane Hunters, “The navigator keeps track of the aircraft's position and movement and monitors radar to avoid tornadic activity. The flight meteorologist acts as flight director and observes and records meteorological data at flight level using a computer that encodes weather data every 30 seconds. The weather reconnaissance loadmaster collects and records vertical meteorological data using a parachute-borne sensor known as a dropsonde. It measures and encodes weather data down to the ocean surface.”The following videos were provided by Jemery DeHart on board one of the flights passing through the hurricane: 1530