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The impact of the pandemic appears to have reached the North Pole. For this holiday season, Santa may be stuck behind Plexiglas. Malls across the country are planning pandemic-minded visits to help prevent the spread of the coronavirus.Mall Santa Steve Miller has been putting on the red suit full-time for four years.“I prefer to do the mall, because I do it for the kids,” sad Miller.But this year, there won’t be any hugs or sitting on Santa’s knee.“Because of the virus, it's going to take a little of fun out of it, but it's going to be much more safe, which is the number one thing that we want,” said Miller.Appearances by St. Nick at malls, corporate events and private appearances is a holiday tradition that’s already being impacted by the pandemic.“We've been working with a lot of retailers as well as malls too. How can we still have the experience of Santa, but keep everybody safe?” said Mitch Allen, founder of HireSanta.com.According to entertainment staffing firm Hire Santa, bookings that usually peak beginning in early November were down 95% due to coronavirus concerns. But after advertising their safety efforts, demand is up 20% compared to this time last year.“The Santa Claus entertainers, as you can imagine, they're a high-risk group. So, we want to make sure that Santa's safety is our number one priority,” said Allen.Allen says they’ve developed a Plexiglas "Santa shield" that creates a physical barrier to allow for photos with Santa.“We at HireSanta.com are also working on virtual Santa visits where you can literally visit with Santa within the confines of your own home,” said Allen.Brookfield Properties, the second largest operator of U.S. malls, says it will host Santa in 134 of its 150 plus malls with "touchless experiences."Santa’s Village, a popular Illinois amusement park temporarily shut down by the pandemic, is taking Santa on the road.“For over 60 years, boys and girls have come to the house here in the park to visit me. But now we're going to take my house to your house,” said the amusement park’s Santa Claus.Their mobile Santa home has a separate entrance and exit to maintain social distancing, and a working fireplace will keep visitors warm and plenty of masks and "Santa-tizer" will be on hand as well.“It's great, because we can actually bring again that magic from the park to people's individual homes in local communities,” said Santa’s Village marketing director Brian Wright. “That way people can actually have a personalized visit with Santa.”Whether behind Plexiglas or inside a traveling "One North Pole," changes are afoot to ensure that Santa Claus is still coming to town. 2653
The NFL announced Monday evening that it has officially canceled its entire preseason schedule as the league prepares for the start of training camp.The announcement comes after the league and players reached an agreement late last week on health and safety procedures amid the COVID-19 pandemic. Among them, players have the ability to opt out of the upcoming season due to coronavirus concerns.Unlike the NBA, MLS and NHL, the NFL currently plans on games in home venues.As the aforementioned leagues have kept players in so-called “bubbles,” the MLB has been holding games in home stadiums. But on Monday, several MLB contests were called off after an outbreak of COVID-19 cases were reported among Miami Marlins players. It’s unclear how many games will be forced to be suspended, but guidelines call for those who come in close contact with confirmed COVID-19 patients to quarantine for 14 days. MLB has not said if the rest of the Marlins roster will be forced to sit out for two weeks.“In the months since the COVID-19 pandemic turned the world upside down, we have navigated the time carefully, thoughtfully and in partnership with the NFL Players Association with a shared goal of playing a healthy and complete 2020 season,” NFL commissioner Roger Goodell said in a statement. “This process has not been easy -- COVID-19 will continue to present a major challenge to nearly every area of American life. Football is no exception.”The preseason generally consists of four games per team, which span through the month of August. While the games are largely unimportant for teams as a whole, they serve as a proving ground for players fighting for roster spots.. 1676
The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211
The government of the Democratic Republic of Congo declared an outbreak of Ebola hemorrhagic fever, a rare and deadly disease, on Tuesday, the World Health Organization reported. The declaration came after laboratory results confirmed two cases of the disease in the province of Bikoro."Our top priority is to get to Bikoro to work alongside the Government of the Democratic Republic of the Congo and partners to reduce the loss of life and suffering related to this new Ebola virus disease outbreak," said Dr Peter Salama, WHO Deputy Director-General, Emergency Preparedness and Response. "Working with partners and responding early and in a coordinated way will be vital to containing this deadly disease."This is Congo's ninth outbreak of Ebola virus disease since the discovery of the virus in the country in 1976. In the past five weeks, there have been 21 suspected cases of viral hemorrhagic fever, including 17 deaths.Ebola virus disease, which most commonly affects people and nonhuman primates (monkeys, gorillas and chimpanzees), is caused by one of five Ebola viruses.The WHO said it is working closely with the government to rapidly scale up its operations and mobilize health partners, including Medicin sans Frontieres (Doctors Without Borders), using the model of a successful response to a similar Ebola outbreak in 2017. 1352
The National Institutes of Health (NIH) is the largest clinical research hospital in the country. It’s a government run medical research agency, and about 7,000 scientists work in its research laboratories looking for new ways to improve health and save lives.Next year, more than billion in taxpayer dollars will be spent here to find treatments and cures for the biggest health issues in the country, including heart disease, cancer and Alzheimer’s.Right now, there are about 1,600 research studies in progress.Dr. Larissa Korde is part of one of those studies, working to help find the latest breakthrough in breast cancer.She says the work done at NIH has a proven track record.“Women with her2 positive breast cancer now have numerous effective therapies and tend to live longer than they did before those drugs were evaluated and came to the market,” Dr. Korde explains. “And our research has been involved all along the way.” With each new study, doctors continue to learn more and hope the next discovery will help save more lives. 1112