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How would you like to make an extra ,000 a week doing easy tasks you already know how to do? Smartphone applications are making things easy for those looking to make money at home.If you love dogs, ‘Wag’ is for you. The app is like Uber for dog walkers. Rocio Irun uses the ‘Wag’ app on her free time walking other people’s dogs.“I love dogs this app was an opportunity for me to make some extra income on the side and spend time with puppies,” Irun said.It’s easy to sign up for the app. Irun said, it’s competitive once you become a walker.“It’s hard because there are a lot of people dog walking, so you will have to compete against those other people and be really fast at accepting a dog walk," Irun said. If walking dogs isn’t your thing, there are other task apps to try. ‘Gigwalk’ will connect you with nearby businesses looking for extra help. ‘IPoll’ will pay you to take surveys. ‘Loot’ will have you taking pictures of your favorite brands and post them all over social media.Then there is ‘Task Rabbit.’ The app will allow you to sign up for a wide range of jobs like, putting together a dresser, yard work, cleaning or mounting a piece of art on a wall for someone.All of these apps notify you when a potential job opens up near by. You then select the one you want. Then, confirm the details with your client. After that, you simply show up and do the task to get paid.  1405

How does someone who relies on his voice for a living, such as an auctioneer, keep it in top form?You may be surprised to find out what it takes to keep talking up success.As exciting as it is to be in the seats during a live auction, imagine being the man behind the microphone.  "I just love excitement," said professional auctioneer John Korrey. "It's an art."Korrey has been a professional auctioneer for more than 20 years, time he's spent solidifying his sound."There's not any two auctioneers that sound alike," said Korrey. "I can sit here and say countfive, 10, 15, 20, but when I put a chant to it, 'I bid five dollar bid now ten now fifteen fifteen twenty now twenty twenty thirty,' see I'm rolling my tongue and I'm adding some rhythm and I'm breathing."Leading auctions, sometimes for hours on end, has taught Korrey one important thing."We're not a machine," said Korrey. "If it's equipment breaks ... a starter down ... you put a new one in."When my voice goes down I have no wage, I'm done," he said.That's why Korrey spends so much time at the Colorado Voice Clinic, working with Kathe Perez to make sure his voice is okay."Let's start off with an easy feeling of breathing," Perez instructed Korrey. Then the two go through vocal exercises together. "Let's bring it down a key," Perez said. "A big brown bug bit a big brown bear, a big brown bug bit a big brown bear."It's not just vocal exercises that keep his voice in check. A camera goes down Korrey's throat and gives doctors a look at his vocal chords in action."The strobe exam is an artificial form of slow motion that lets us look at the actual vocal folds as they produce sound," said Dr. David Opperman with Presbyterian/St. Luke's Medical Center. "We can pick up subtle abnormalities in the way the chords are moving, if there's a tension difference between the right and left side.  And it's really revolutionized what we do in the voice industry."Opperman said it's not just people like John who need to take care of their voice. Really it's anyone from teachers to customer service operators who does a lot of talking. He says staying germ-free, resting your voice for a time and rinsing your nose with salt water, can all help.From old-school voice training, to high-tech analysis, who knew it takes a combination of care you can't see from the stage, to keep Korrey's voice, and the auction, going strong. 2468

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

HOWARD COUNTY, Indiana — A Howard County sheriff's deputy in Indiana caught more than just the road ahead of his cruiser with his dash camera late Wednesday.According to the sheriff's department, Cpl. Christopher Cramer was on patrol on State Road 22 near County Road 600 East when his camera recorded the bright flash of a meteor entering and burning up in Earth's atmosphere.It was caught on camera around 11:44 p.m. Wednesday.Watch the video below: The meteor is part of the Geminid meteor shower.According to an article by Scientific American, it is expected to be the best meteor shower of the year. 622

However, it turns out that Hidalgo wasn't fired. According to Roman Stone Works, he returned to work two days after sharing the meme and then walked off the job on his own last Wednesday.Hidalgo confirms that happened, saying he went in after the text message because he wasn't entirely sure he was fired. However, he quit a few days after returning to work."With the bad blood, I didn't want to work there anymore," he said.Jan Jeffrey Rubenstein, a lawyer representing Roman Stone Works, says the company's owners have been receiving death threats at work and home. They say the backlash is unfair, especially when Hidalgo quit on his own."Roman Stoneworks and its owner and personnel have been subjected to significant monetary damage, as well as threats, profanity and harassment by phone and email," Rubenstein's statement read, in part. "Due to the backlash from these false claims, my client's webpage has had to be removed, and the individuals involved have been inundated with calls and emails.""I never meant for people to blow it up like that or spam their company or defame their name," Hidalgo explained.He might delete the post, but believes the "damage is done."Hidalgo is now waiting to hear if he will get a new job after an interview."Watch what you share sometimes because it could get you in trouble. It can look bad on you," Hidalgo added.Read the entire statement issued by Roman Stone Works' lawyer below. 1436

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