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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

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

If you’ve ever lost your pet, you can probably recall the panic you felt.But as technology advances, the chances of finding our lost furry friends gets better and better.Ajax is Matt Sutton’s first puppy, and when they’re not together, he always wants to know where he is.  “I would never want to lose him. It would be devastating if I did,” Sutton says.That's why he got Ajax microchipped.  “I have a Social Security number on there for his microchip, and that's plugged into my phone and that’s registered in the database for him,” Sutton explains.    But now, there's a new way pet owners can keep track of their pets: facial recognition.The Finding Rover mobile app allows pet owners to upload a photo of their missing dog or cat. The app then scans a database of more than a million rescued or found animals that could be a to make a match.The founders of Finding Rover say the app is 98 percent accurate.Veterinarian Dr. Kevin Fitzgerald says with so many lost and stray animals, facial recognition for pets could be a huge asset. However, it doesn't mean pet owners should abandon microchips.  “Right now, I don't think that the official technology thing is as widespread,” says Dr. Fitzgerald. “You know, we aren't seeing that, but this should be. You know everybody should have a microchip.”Finding Rover founders say they've reunited more than 15,000 pets with their owners.“It's an added layer, and I think that's a very helpful asset to any dog owner,” says Sutton.  1531

IMPERIAL BEACH (KGTV) - A man was arrested Saturday in Imperial Beach after residents say he rushed into a home and wrecked their bathroom, leaving blood everywhere. Resident Miguel Ledesma said their front door was open to let in the breeze, "I heard some noise behind me and I turned around and the door was wide open, so I saw him rush through." The man was mumbling about being chased. Ledesma said the man backed up, tripping over the Christmas tree, knocking it over in the process, and went into the bathroom. Ledesma said that's when his brother shut the door to protect the family."There were screams, the lady who lives in there she was screaming pretty loudly," Neighbor Matthew Rodriguez said."We started hearing all these noises, all the breaking, the mirror, the shower curtain, everything in there is destroyed, there's bloody pretty much," Ledesma said. Officers finally removed the man, handcuffing him. The man was later loaded into an ambulance.He had visible cuts on his neck and arms, and a bandage around his head. Ledesma said he came in without a scratch and left bloody."It was pretty scary because we didn't know what he was going to do before the cops showed up," Rodriguez said."We're all okay, he didn't take anything, he just destroyed the bathroom pretty much," Ledesma said. He said they reached out to the property manager to get the bathroom fixed, but his mother was already cleaning with bleach. 1440

If Halloween is your excuse for endlessly indulging in candy (and of course it is), go slow on the black licorice.Just as it does each Halloween, the Food and Drug Administration has posted a reminder on its website urging folks to keep their black licorice consumption to a minimum.The reasoning? Too much of the old-fashioned favorite can cause health problems such as irregular heart rhythm, especially in people over 40.Black licorice contains a sweetening compound called glycyrrhizin, which can cause a drop in potassium levels. With low levels, some people might experience high blood pressure, swelling and even congestive heart failure, the FDA says.The good news is that potassium levels return to normal after you stop eating copious amounts of black licorice.So, here are some tips from the FDA:-- Don't eat too much of the stuff at one go.-- If you have been eating a lot of it, especially if you have irregular heart rhythm or muscle weakness, stop (and call your doctor). 994