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In another sign of the times for retail, Lowe's is closing 51 North American stores.The home improvement chain said Monday that locations are underperforming and the decision will help the hardware chain focus on its most profitable stores and "improve the overall health of its store portfolio."Lowe's (LOW) is shutting down 20 stores in the U.S. and 31 in Canada. The company said that a "majority" of the shuttered stores are within 10 miles of another Lowe's location.The stores will be closed before Feb. 1, 2019. The company will try to find jobs at nearby stores for its employees affected by the closings."We believe our people are the foundation of our business and essential to our future growth," said CEO Marvin R. Ellison.Lowe's is struggling to keep up with its larger rival Home Depot. Ellison, who joined the company in May, has already made some big strategic decisions, including closing all of its Orchard Supply Hardware stores and slashing inventory at its Lowe's stores.The company cut its sales and profit outlook for the year. Its next earnings report is on November 20. 1102

If you thought your 2020 stress would magically disappear after the yelling stopped, you might have been surprised to find that you were still worried after the results of the presidential election.“For the majority of people, the stress actually didn’t decrease,” said Vaile Wright, a psychiatrist and also a member of the American Psychiatrist Association. The group recently released some numbers that might explain your extra high heart rate.According to the survey by the APA, 17% of Americans did have their stress go down. However, almost 30% said their stress increased.And it’s not a party issue. Over 80% of Democrats, Republicans, and Independents all listed the future of our nation as a significant source of stress“It’s not just whatever side won, it happens to be everybody right now really being concerned about the future of the nation,” said Wright.And three-fourths of Americans are still seriously stressed about the pandemic“We’ve seen increased levels of stress related to the federal response around the pandemic and that really does come down to the inconsistent messaging that we’re seeing. Different people are disproportionately affected by the pandemic specifically, but I don’t think anyone is related to the stress of it, especially as the numbers continue to climb,” said Wright.But it’s not all doom and gloom. Vaile says that there are some things happening that may help lower your blood pressure.“If we can hear some more good news, health news, like effective vaccines move to the market. The more that we have information that’s clear and consistent, that’s science based and that comes from reputable sources, I think those are the kinds of things that can reduce stress,” said Wright.Better coronavirus news combined with the possibility that President-elect Joe Biden can do a better job uniting the country can give Americans something to hope for as we head into 2021. 1918

IMPERIAL BEACH, Calif. — A suspected drunk driver nearly hit several beach-goers Sunday before his SUV ended up in the ocean.The driver, identified as 50-year-old Jorge Mosti, was driving in the 1600 block of Seacoast Dr. just after 6:30 p.m. local time when witnesses say his SUV left the roadway and went onto the beach, according to San Diego Sheriff's Department.As he continued onto the beach, SDSO said Mosti nearly hit several people as he drove about a mile down the beach. His vehicle came eventually came to a stop when it partially submerged in the ocean.Mosti reportedly then jumped out of the vehicle and started walking toward Tijuana, Mexico. He made it about half a mile before deputies caught up to him. Deputies said Mosti was holding an open beer can as they took him into custody.Imperial Beach Lifeguards also responded to help pull the SUV from the water.Witnesses at the beach identified Mosti in a curbside lineup, SDSO said. He was arrested on charges of reckless driving and driving under the influence of alcohol. 1078

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 Delta once again became a major hurricane on Thursday, with top winds of 120 mph as of 10 p.m. CT. The hurricane has regained much of the fury it lost crossing the Yucatan Peninsula on Wednesday.In an update Thursday morning, the NHC said that Delta is expected to "grow in size" throughout the day on Thursday before bringing dangerous conditions to the Gulf Coast early Friday morning.Storm surge and hurricane warnings are already in effect for parts of the Gulf Coast, particularly along the Louisiana shoreline.Louisiana cities likely to see damaging winds from the hurricane include Alexandria, Lafayette, New Iberia, and Morgan City, according to the National Hurricane Center. On Thursday afternoon, the National Hurricane Center said Hurricane Hunters found that Delta had a 30-mile wide eye. Government hurricane forecasters say they expect Delta to continue strengthening until early Friday morning, but then begin to weaken as strong shear is expected to affect the hurricane. Louisiana has taken the brunt of the impact of the 2020 hurricane season. Hurricanes Marco and Laura have already made landfall in the state, causing inland flooding and significant damage along the coast. Hurricane Sally also did significant damage nearby Gulf Shores, Alabama, when it made landfall in September.The Associated Press reports that Delta marks the sixth time this year that evacuations have been ordered from Louisiana's barrier islands.Delta luckily spared two Mexican resort towns, Cancún and Playa del Carmen, from deaths or major damage after the storm made landfall on the Yucatan Peninsula, CNN reports. 1632

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