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The look on Seth Dixon’s face as he proposed to his girlfriend said it all, but not in the way you might think.According to a?post on wedding photographer Staci Dabney’s Facebook page, Dixon had taken his girlfriend, Ruth Salas, to Loose Park to ask her one of the most important questions in both of their lives."We've been dating for almost four years and we knew this day was coming," he explained. The setting was as picturesque as it gets. Imagine a beautiful wooden bridge stretching over a pond with gorgeous fall weather and lush greenery creating a dreamy background."I knew I wanted to propose (at Loose Park) just because it's kind of our spot," Dixon explained. "We just kind of fell in love with the park and the beauty of it."Of course, cameras were rolling as Dixon fell to his knee."Next thing you know, it's happening. I couldn't believe it," Salas explained. "At first, I was like, 'Oh my goodness. This is happening. He's on one knee.'" Excitement was written all over his and Salas’ faces, but their expressions soon turned to looks of horror.Dixon opened the little black box to reveal the ring… just before it flipped out of his hands, through a tiny crack in the boards of the bridge, and into that pond below."It ping-ponged through the crack and I hear it plop in the water," Salas said. "I didn't know what else to think but, 'Oh my goodness.'" ??????Friends of the couple got to work to try to find the ring, donning goggles and other swimming gear to search the neck-deep water for the lost band.Maddie Villareal, a longtime friend of Dixon, was one of the people who helped in the search."The bottom was the worst part because it was like slimy, muddy and there were sticks everywhere," she explained. "I know (finding the ring) was important to them. If it was me, I would hope they would do it for me."They sadly were not able to find it, so instead set up a GoFundMe page to help the couple purchase a new one.Amazingly, the couple now maintains a positive spirit following the incident."It's been a roller coaster. Emotions have been up and down," Dixon said. "After seeing the video over and over we just started laughing about it." Moving forward, the couple said the ring incident would add to the story of their relationship."We've been together for four years with ups and downs," Salas explained. "I'm not leaving him because of a lost ring." Dixon and Salas are set to tie the knot in October 2520

The number of empty apartments available to rent in Manhattan soared to its highest level in recent history this summer.There are more than 13,000 apartments on the market in the heart of New York City, according to a real estate report from Douglas Elliman and Miller Samuel. The group says this is the most inventory they have seen in Manhattan in 14 years of keeping track.July’s spike of 13,117 available units is an increase over June’s inventory of 10,789.For context, July 2020’s inventory is nearly 122 percent higher than last year; in July 2019 there were roughly 5,900 available apartments.The group also says July had the biggest year-over-year drop in median rent price in nearly nine years. The median rental price for an apartment in Manhattan, including anything from a studio to a 3-bedroom, was ,320 in July, and was ,595 in July 2019.The report also tracks the Queens and Brooklyn rental market. Both saw huge spikes in inventory, but none as large as Manhattan.Moving help website HireaHelper.com released results of a recent study on 2020 moving trends.Their study also found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. New York as a state had 64 percent more people leaving than moving in.Click here to see where people are moving to according to the study. 1415

The most dangerous place for women is the home, according to a new UN study.Out of an estimated 87,000 women killed last year, some 50,000 -- or 58% -- were killed by partners or family members, according to the 2018 report on gender-related killing of women and girls by the United Nations Office on Drugs and Crime (UNODC).More than a third of the women intentionally killed in 2017 were killed by a current or former partner, and 137 women are killed by family members every day, it said.While the majority of intentional homicide victims are male and killed by strangers, women are far more likely to die at the hands of someone they know, the study showed.UNODC Executive Director Yury Fedotov said women "continue to pay the highest price as a result of gender inequality, discrimination and negative stereotypes" and that gender-based homicide is a "lethal act on a continuum of gender-based discrimination and abuse."The study, released on the International Day for the Elimination of Violence Against Women on November 25, looked at homicide data related to gender violence and "femicide," a term understood as a gender-based hate crime perpetrated by men.Globally, Asia was the region with the highest number of women killed by partners or family members last year, at 20,000, followed by Africa (19,000), the Americas (8,000), Europe (3,000) and Oceania (300).However, rates were higher in Africa and the Americas, meaning women faced the greatest risk of being killed by partners or family members in these regions.In Africa, these homicides accounted for 3.1 victims per 100,000 of the female population and in the Americas, the rate was 1.6 victims per 100,000 of the female population -- compared with 0.9 per 100,000 in Asia.Europe showed the lowest rate of gender-based homicide, with 0.7 victims per 100,000 of the female population.While countries have taken various steps to address violence against women and gender-related killings -- including the adoption of special units and more training in the criminal justice system -- the report said there is no sign of a fall in the number of gender-related killings of women and girls worldwide.The total number of female homicide victims appears to have increased since 2012, it said, when the number of women killed by partners or family members was estimated at 48,000 -- or 47% of all female homicide victims.The new study has called for a series of measures to combat the global problem, including coordination between police, the criminal justice system, health and social services, and involving men more in addressing the problem."In order to prevent and tackle gender-related killing of women and girls, men need to be involved in efforts to combat intimate partner violence/family-related homicide and in changing cultural norms that move away from violent masculinity and gender stereotypes," it said. 2892

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 National Institutes of Health (NIH) is the largest clinical research hospital in the country. It’s a government run medical research agency, and about 7,000 scientists work in its research laboratories looking for new ways to improve health and save lives.Next year, more than billion in taxpayer dollars will be spent here to find treatments and cures for the biggest health issues in the country, including heart disease, cancer and Alzheimer’s.Right now, there are about 1,600 research studies in progress.Dr. Larissa Korde is part of one of those studies, working to help find the latest breakthrough in breast cancer.She says the work done at NIH has a proven track record.“Women with her2 positive breast cancer now have numerous effective therapies and tend to live longer than they did before those drugs were evaluated and came to the market,” Dr. Korde explains. “And our research has been involved all along the way.”               With each new study, doctors continue to learn more and hope the next discovery will help save more lives.   1112