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HOUSTON — Defensive end for the Houston Texans, J.J. Watt, said that the booing that erupted at the game against the Kansas City Chiefs on Thursday is "unfortunate."The interruption came as members of both teams locked arms and held a moment of silence before kick off. Watt could be seen locking arms about half way in the line of players and coaches.Watt told the NFL Network on Friday that "the moment of unity I personally thought was good.""I mean the booing during that moment was unfortunate. I don't fully understand that. There was no flag involved. There was nothing involved other than two teams coming together to show unity," Watt said.Both teams featured Black Lives Matter-inspired logos on the gear during the game.About 17,000 socially distanced fans attended, far fewer than what Arrowhead Stadium regularly holds.This article was written by Jackson Danbeck for WTMJ. 893

In a college town like San Luis Obispo, California, the local economy relies heavily on student spending.Since the pandemic hit in mid-March, however, COVID-19 has been costing colleges and this community big bucks.“It’s affected us business-wise; it’s not as many employees nor as many students,” said Darnell Harris, manager of Firestone Grill.Harris says pre-COVID, the college hotspot was selling up to 3,000 meals a day. Now, that number has been cut almost in half.“It affects me and it hits me because it is my livelihood,” Harris said. “This is what I’ve done for a living for 25 years.”Coronavirus concerns have resulted in fewer college students living in this area, especially on campus at nearby California Polytechnic State University, San Luis Obispo.“I can’t remember the last time a had a full night’s sleep,” said Keith Humphrey, Cal Poly Vice President of Student Affairs.Humphrey is projecting a million operating deficit for 2020-21 after the college refunded about million in student rent and food plans after the school went all online back in March.With the dorms now about half full, Cal Poly is spending about 5,000 a month in COVID testing.“There’s no playbook or script for something like this,” Humphrey said. “We will be okay. We budget for rainy days. It’s raining.”San Luis Obispo city leaders say the last economic impact report shows Cal Poly’s and nearby Cuesta College’s direct impact to this entire region was worth .1 billion.With more classes being taught virtually, some students say the cost of college during this crisis doesn’t add up.“It’s not worth it to pay out-of-state tuition to essentially have online school,” said Keaton Foster-Adams, who left the University of Colorado, Boulder and returned to his hometown on California’s Central Coast, where he’s now studying automotive technology at Cuesta College.“I’m hesitant to go back just because I’m feeling less and less connected to what I was doing there,” Foster-Adams said of CU Boulder. “I’m kind of thinking about just going to a trade school at this point.”The California State University system, which includes Cal Poly, SLO, is the nation’s largest four-year public university system.It recently announced classes will continue being held online during the upcoming spring term, which means an economic rebound for college towns could take a while.Despite the economic challenges college towns are facing, businesses like Firestone Grill are focusing on keeping people healthy and keeping their doors open.“As long as we stay together, we’ll make it to the end of this,” Harris said. “We’ll get back to whatever our new normal is going to be.” 2671

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

In an interview that was published on the US Department of State's website Friday, Secretary of State Mike Pompeo said more of Hilary Clinton's emails would be released.The news of the emails being released comes on the heels of two interviews President Donald Trump did Thursday.On Fox Business, Trump expressed his unhappiness with Pompeo because he's "running the department," so he should be able to "get them out," the State Department interview transcript stated."They're in the State Department, but Mike Pompeo has been unable to get them out, which is very sad," Trump said. "Actually, I'm not happy about him for that – that reason. He was unable to get them out. I don't know why. You're running the State Department; you get them out. Forget about the fact that they were classified. Let's go. Maybe Mike Pompeo finally finds them. Okay?"On Thursday, in an interview with Rush Limbaugh, President Donald Trump said Clinton "should be in jail" for deleting 30,000 emails, according to the State Department."She deleted 33,000 emails. She should be in jail for that. I don't even care if they're – if they're very highly confidential emails. I don't care what."In an interview with Fox News on Friday, Pompeo said that they have the emails and they're "getting them out.""We're going to get all this information out so the American people can see it," Pompeo said. "You'll remember there was classified information on a private server. It should have never been there. Hillary Clinton should never have done that. It was unacceptable behavior. It's not the kind of thing that leaders do."Pompeo added that the emails would probably be released before the election." We're doing it as fast as we can," Pompeo said. "I certainly think there'll be more to see before the election."In 2019, the State Department found "no persuasive evidence of systemic, deliberate mishandling of classified information." 1919

If at first you don't succeed...Police say a Maple Heights, Ohio man robbed the same South Collinwood bank he was sent to the clink for robbing -- one day after he was released from prison.Markiko Sonnie Lewis, 40, was charged with one count of bank robbery after he allegedly robbed a Key Bank on 15000 St. Clair Ave., of ,044 on April 12. It was the second time police say he robbed the bank.The bank will probably want to keep an eye on his next release date.  528

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