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The Macy’s Thanksgiving Day Parade will look very different this year amid the coronavirus pandemic.For the first time in more than 90 years, organizers of the iconic New York City event have forgone the traditional parade route through Manhattan. Instead, a reinvention of the parade will air nationally on television and online.Here’s what else you need to know about the 2020 Macy’s Thanksgiving Day Parade:When will the Thanksgiving Day parade air on TV?The Macy’s Thanksgiving Day Parade will air nationwide on NBC-TV and Telemundo on Nov. 26 from 9 a.m. to noon. EST.Can I stream the parade online?Verizon will livestream the Thanksgiving Day parade from 9 a.m. to noon on Nov. 26. The stream will be available on Verizon’s Twitter and YouTube pages.Can I go see the parade in person?The Macy’s Thanksgiving Day Parade will not have in-person spectators this year because of the pandemic.What is the Macy’s Thanksgiving Day Parade route?The traditional 2.5-mile parade route is not being used this year, but Macy’s is promising television viewers all of the holiday magic the event traditionally offers.Event organizers plan to create a staging area for the reimagined parade in and around Macy’s Herald Square.What will the Macy’s Thanksgiving Day Parade TV special include?The television special will showcase a mix of the parade’s signature giant character balloons, floats, performances by singers, street performers, and an appearance by Santa Claus.Who is performing in the Thanksgiving Day parade?This year’s parade boasts 20 celebrity appearances and performances throughout the television special, including Dolly Parton, Keke Palmer, Jordan Sparks, Ally Brooke, Jimmie Allen and Brett Young.For a full list of performers, click here.Is the balloon inflation on Thanksgiving eve canceled?Macy’s traditional giant balloon inflation event that takes place the Wednesday before Thanksgiving is canceled due to the coronavirus pandemic.What other changes were made to the Macy’s Thanksgiving Day Parade in 2020?Macy’s has reduced the number of participants by about 75%.All participants must be appropriately socially distanced during performances and face coverings are required. Additional personal protective equipment may be required depending on a participant’s role.No participant in the parade will be under 18 years old. Previously selected regional high school and college marching bands will be deferred to the 2021 Macy’s Thanksgiving Day Parade.Instead of using volunteer handlers, Macy’s giant balloons will be attached to specially rigged vehicles.This story was originally published by Lauren Cook at WPIX. 2640

The NFL will consult an advisory committee made up of former coaches, general managers, and players on such issues as postponing, moving, or even canceling games this season due to the coronavirus pandemic. Troy Vincent, the league's football operations chief, said that the advisers, who will report to Commissioner Roger Goodell, will help avoid any "inequities" in those decisions. Vincent did not identify any members of the panel, saying he was awaiting their approval to do so. Vincent also said the league will consider playoff games in a bubble environment, noting that "all options are on the table."Game-day and travel protocols were sent to all 32 teams this week, which included "extensive in-stadium specifics include rules for the field, sidelines, locker rooms, tunnels, entrances, and training rooms," the Associated Press reported.The league said that when traveling, masks must be worn at all times, everyone must stay in separate hotel rooms, buses limited to no more than 50% capacity, and when on an airplane, a seat must be left open between passengers."I am very proud of the innovation and attention to detail that our club medical staffs have shown as they have created these plans, which were reviewed and approved by the league, the NFLPA, and our infectious disease experts,” said NFL Chief Medical Officer Dr. Allen Sills.Teams will not be allowed to leave their hotel to eat or use restaurants that are open to the public, the league said.Cheerleaders and mascots cannot be on the field this upcoming season, NFL Network's Tom Pelissero reported. 1584

The NFL will consult an advisory committee made up of former coaches, general managers, and players on such issues as postponing, moving, or even canceling games this season due to the coronavirus pandemic. Troy Vincent, the league's football operations chief, said that the advisers, who will report to Commissioner Roger Goodell, will help avoid any "inequities" in those decisions. Vincent did not identify any members of the panel, saying he was awaiting their approval to do so. Vincent also said the league will consider playoff games in a bubble environment, noting that "all options are on the table."Game-day and travel protocols were sent to all 32 teams this week, which included "extensive in-stadium specifics include rules for the field, sidelines, locker rooms, tunnels, entrances, and training rooms," the Associated Press reported.The league said that when traveling, masks must be worn at all times, everyone must stay in separate hotel rooms, buses limited to no more than 50% capacity, and when on an airplane, a seat must be left open between passengers."I am very proud of the innovation and attention to detail that our club medical staffs have shown as they have created these plans, which were reviewed and approved by the league, the NFLPA, and our infectious disease experts,” said NFL Chief Medical Officer Dr. Allen Sills.Teams will not be allowed to leave their hotel to eat or use restaurants that are open to the public, the league said.Cheerleaders and mascots cannot be on the field this upcoming season, NFL Network's Tom Pelissero reported. 1584

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 growing list of sexual harassment allegations against well-known powerful men has Congress taking steps to protect against misconduct in its own offices.Both the House and Senate have now agreed to require anti-harassment training for lawmakers and staff. That’s in addition to legislation just introduced that aims to provide more protections and resources for congressional staff members who file complaints."I think we're at a tipping point culturally in this country," said Rep. Jackie Speier, D-Calif. "I want to make sure Congress turns over a new leaf."The new effort to combat sexual abuse on Capitol Hill responds to staffers who say Congress has long been a breeding ground for misconduct.Aides have reported being sexually harassed by at least two unnamed sitting members of Congress, according to Speier, who recently revealed she was sexually assaulted in the 1970s when she was a Capitol Hill staffer.More than 1,500 former Capitol Hill staffers signed a petition this week urging the House and Senate to update decades-old sexual harassment policies they called “inadequate and in need of reform.”Speier introduced a bill Wednesday that would dramatically overhaul procedures for how sexual harassment claims are handled at the Office of Compliance, which is responsible for carrying out the unique procedures lawmakers established in 1995 to resolve sexual misconduct claims.Unlike most workplaces, employees in Congress who file harassment claims must first go through a months-long process. It includes up to 30 days of counseling, then a month of mediation where workers discuss their complaints with their employers, sometimes the same people accused of wrongdoing. Much of the system is blanketed in secrecy, with victims signing non-disclosure agreements and no reporting of which congressional offices eventually pay out settlements.The Office of Compliance won’t even say how many sexual harassment complaints it receives. The most recent numbers from the office showed only eight claims filed relating to any workplace issue last year out of 15,000 House and Senate employees. Speier said it's a sign employees are not comfortable reporting sexual misconduct."It's really no wonder staffers don't use this system," Speier said.Her bill would shorten how long employees must wait for resolution, allowing them to waive the requirement for counseling and mediation and go straight to court or to an administrative hearing at the Office of Compliance. It also would eliminate the requirement of a non-disclosure agreement up front and identify which lawmaker offices have complaints and settlements.The legislation would set up a victims’ counsel office to represent people who file claims. Right now, lawmakers have their own in-house lawyers able to represent them with staffers left to find their own advocates.Employees who file claims also would be allowed to work remotely, if requested, during the complaint process, rather than having to work in the offices where they allege wrongdoing occurred.It also would require a report every two years looking at sexual harassment on Capitol Hill.The protections would for the first time extend to interns, fellows and congressional pages.Similar legislation is being introduced in the Senate. Republican leaders who control the fate of legislation have not yet commented on Speier’s bill.House Administration Committee Chairman Gregg Harper, R-Miss., held a hearing Tuesday on sexual harassment in Congress. He called it a first step toward making sure staffers are protected from misconduct."We're talking thousands and thousands of staffers that are impacted by this, so we're going to do whatever we've got to do to make sure this doesn't happen," Harper said.On Tuesday, House Speaker Paul Ryan announced that anti-harassment and anti-discrimination training would become mandatory for all House members and staff.The Senate passed its own bill to require similar in-person training last week. 3981

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