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In an emotional gathering just one week after a gunman mowed down 14 students and three teachers at Stoneman Douglas High School, thousands of community members and students met with politicians and others for a town hall on how to make schools safer.The town hall on Wednesday night followed days of sit-ins, walkouts and demonstrations in solidarity with survivors of the massacre."Tonight people who have different points of view are going to talk about an issue that I think that we all believe and that this should never have happened and it can never happen again," Sen. Marco Rubio, a Republican, told the crowd.  633

If you’re looking to save money on a vacation, you could spend hours researching and budgeting every minute of it — or you could simply try traveling like a minimalist instead.Minimalists generally live with fewer possessions, freeing up time, money and other resources to focus on things and experiences they value more. The lifestyle also saves them money on consumption when they travel.You, too, can adopt minimalist travel habits and potentially hang on to hundreds — or thousands — of dollars. Consider these travel tips for your next vacation. 573

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

In a year filled with uncertainty and anxiety for students across the country, the students at James Faulkner Elementary School have found safety and solitude, not inside their small southern New Hampshire schoolhouse, but in the woods behind it.As COVID-19 cases spiked across the country and school districts agonized over whether to send kids back to in-person learning, students and teachers in this picturesque New England town decided to move classes outdoors. Now, three months into the school year, there’s talk of making these newly constructed outdoor classrooms a permanent fixture for kids, pandemic or not.“We’ve experienced this and seen that we can make it work,” explained elementary school teacher Jacquie Cornwell. “There’s been discussions about whether this is something we want to continue doing. It’s just been such a positive experience for our kids.”Cornwell, 34, has been teaching for nearly a decade. Going into this school year, she was incredibly concerned about her own safety and the safety of her students. Stoddard is home to just over 1,200 people, and the small school building here doesn’t lend itself to much social distancing. So, as the school year began, students here started constructing two “base camps” in the woods behind the school. Each morning, students pack up their books, pencils and snacks and head outside.They even petitioned the town of Alderman to use some of the land that isn’t technically on school property.Now, dozens of kids spent three to four hours a day learning outside. On a recent afternoon this fall, Mother Nature had painted their classroom walls in vibrant orange hues, as the maple trees that surround the property here prepared to shed their leaves for the winter.All of it has helped to foster a learning environment that Cornwell says has been free of stress and anxiety. Something hard to come by during a pandemic.“I’ve noticed that on days when we are outside, negative behaviors really seem to much less than when we are indoors,” she said.Looking around at her students scattered on small wooden benches around the woods, Cornwell can’t help but reflect on how surprised she’s been at how well this school year has turned out.“It’s really turned something that could’ve made this year horrible, sitting in desks, facing forward, not playing with friends, into one of the best years I’ve had in my nine years of teaching,” she said.The New Hampshire air is plentiful out here, which minimizes concerns about ventilation and COVID-19 lingering in the air. There hasn't been a single case of COVID-19 reported here this year. With the risk of spreading COVID lower outdoors, students can even take off their masks sometimes when having snacks or reading in socially-distanced groups.It’s brought on a sense of normalcy for these students, something they’ve longed for since the spring.“The woods have all kinds of sounds, the birds, the planes going by. It makes it feel normal,” said 10-year-old student Brie Bell.Bell and her classmates have taken pride in this outdoor space they've built by hand. They've hung hammocks for reading time and even built a fire pit for the colder months. With coronavirus cases spiking across the country, students here seem genuinely invested in keeping this concept going as long as it means they get to continue in-person learning.“I feel like they’re having these impactful experiences they’re going to carry with them for the rest of their lives,” Cornwell said. 3486

IMPERIAL BEACH, Calif. (KGTV) - Organizers of the Imperial Beach Sun and Sea Festival say they're ready to go this year, despite a recent sewage spill from Tijuana."It's always on my mind," says Co-Chair Shirley Nakawatase. "I think it's an ongoing situation that we have at the beach."Nakawatase says the spill shouldn't impact the festival, because they only use ocean water for the sandcastle competition. If the water is considered unsafe, they can use fresh water purchased from Cal-Am."We're going to request daily testing to make sure the bacteria count is low," she says, noting that testing will begin on the Monday before the festival.A recent sewage spill dumped 3.5 million gallons of sewage into the ocean south of Imperial Beach, prompting a full closure of the coast in the area. So far this year, Imperial Beach has lost 50 days of beach time because of sewage-contaminated water.RELATED: Imperial Beach Coastline closed due to runoffThe Sun and Sea Festival brings thousands to Imperial Beach every summer for a day of sandcastle competition, concerts, food and more.This year's festival will be on July 13th. The theme is "Under the Sea.""It can just make people smile," says Co-Chair Leah Goodwin. "If you spend the whole day at the beach and give people a memory, that takes you away from some of the craziness. That's why we do this."As for the sewage concerns, Nakawatase says people don't need to worry."Nothing's going to spoil the party," she says. 1481

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