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The next few weeks mark the beginning of serious financial uncertainty for millions of people, because a slew of debt, from income tax payments to several months of rent, are going to be due at the same time. “It is going to be a perfect storm of financial difficulty for many, many people,” said Andrea Bopp Stark, an attorney at the National Consumer Law Center (NCLC).The center recommends three steps for anyone that finds themselves in a financially difficult situation regarding debt.Step one: create a list of priority bills and debt to pay off. “People are going to be barraged with debt collectors calling and trying to get them to pay on a medical debt or a credit card debt, but those debts are less important,” said Stark. “Pay debts that if you didn’t pay them it would cause immediate harm to your family.”Those are things like your rent and a car payment, especially if you need your car to go to work.“If you have a judgment against you, a court judgment against you for a debt, it is important to try and make a payment plan to pay that because creditor could issue a garnishment against your wages,” Stark added. Step two: contact your lender to make a payment plan on those priority debts.“We are seeing data come in that there are people who are delinquent and don’t have a forbearance agreement when they could very easily be in a forbearance agreement,” Stark added. “I know wait times on the phone are horrible right now, but you have to be persistent and get through and find out what help is available.”Data collected by the U.S. Census shows that delinquency rates are higher in communities of color.“It is mostly Black and Latinx borrowers who are not getting these forbearance agreements,” said Stark. “Whether they don’t know about it or nobody is reaching out to them to let them know this is available, we don’t know why but that is a population that is going to be disparately impacted and has already been disparately impacted by this whole crisis.”Step three: find a way to stick to your prioritized debt list. “It may sound obvious but if you have it on paper and you have created a budget, stick that to the refrigerator or wherever, then you know these are the priority spending items,” said Stark. “If your son or daughter say, ‘Oh, I want this or that,' ‘no, look at the fridge these are our priority spending items, sorry.’” Because every situation may not be solved in three steps, the NCLC has now made its in-depth guide to Surviving Debt available for free. It has template letters to send to debt collectors and hundreds of pages of help to get you through this tough time. 2626

The pandemic has turned even more people into gamers. About one in three people worldwide play video games, according to the Entertainment Software Association.But it’s more than just fun.“And we've been able to make sure that we were producing things that not only brought people together in ways that made them enjoy the games, but connected them to each other because today 65% of people in America who play games play with other people,” said Stanley Pierre-Louis, President and CEO of the Entertainment Software Association.Video game popularity was already on the rise before COVID-19, supporting more than 425,000 jobs directly and indirectly related to the industry last year.It generated more than 90 billion in economic output, according to the Entertainment Software Association impact report.It includes jobs in engineering, coding, video game design, storyline and even professional players.“What that's meant is that within schools, you now have esports scholarships and in fact there are over 200 varsity sports programs around the nation, creating new opportunities for people to play professionally,” said Pierre-Louis.Education and jobs related to gaming can also lead to other opportunities outside the industry. The graphic design and visual elements that go into video games are as in demand in other fields.“So, if you learn video game design, you're able to also help with airlines simulations and so it's creating opportunities across many sectors,” said Pierre-Louis.Advancements rooted in the video game industry have found their way into other areas, including medical imaging and robotics, military training and simulation, and education.Those directly employed by the video game industry make on average 1,000 a year. 1757

The National Institutes of Health is reportedly planning to conduct a clinical study to determine why people are having severe allergic reactions to Pfizer's COVID-19 vaccine.According to the Washington Post, during a press briefing on Monday, Moncef Slaoui, the chief science adviser for Operation Warp Speed, said they are seeking volunteers who've had allergic reactions to the vaccine, so doctors can identify why a rare event known as anaphylaxis is happening.The NIH also plans to study the Moderna vaccine as well, Bloomberg reported.Last week, health authorities in the U.K. said they were investigating after two people had "adverse reactions" to the Pfizer vaccine on the first day of the country's mass vaccination program.In the U.S., two healthcare workers in Alaska reported having an allergic reaction, and on Friday, the FDA announced five people also had an "adverse reaction" to the vaccine. 917

The head of OPEC has warned that a decision by President Donald Trump to abandon the Iran nuclear deal would harm the global economy.In an interview with CNNMoney, OPEC Secretary General Mohammad Barkindo said that any factor that prevents the smooth running of the oil industry "will not be in the interest of the global economy.""Whatever extraneous factor that affects supply or demand, will no doubt send the market into disequilibrium, which is not in the interest of producers, or the interest of consumers," he said when asked about the consequences of ditching the Iran nuclear agreement.Trump has repeatedly threatened to rip up the Iran accord, which he has described as "the worst deal ever." He said he plans to announce his decision on the matter on Tuesday at 2:00 p.m. ET.The United States and other powers agreed to lift some economic sanctions under the 2015 deal in return for Iran agreeing to rein in its nuclear program. The sanctions had limited energy investment and production, and Iran's oil industry has sprung back to life since they were lifted.Iranian oil exports have increased by roughly 1 million barrels per day since early 2016, and the big question is whether the market will be able to cope with a sharp drop in supply if sanctions are reimposed.Worries over potential supply disruptions have already caused oil prices to spike. They've surged nearly 13% over the past month and hit their highest level since 2014, while the price of US gas has jumped to a national average of .81 a gallon.Barkindo said that price hikes were being driven by "volatility that occasionally returns to the market" as a result of "geopolitical tensions."A Nigerian who is serving a three-year term as secretary general, Barkindo said that OPEC would continue to seek a balanced oil market. The interview was conducted before Trump said an announcement on Iran was imminent.The cartel and its allies agreed to slash output in late 2016, a response to oversupply and an oil price crash. The agreement has been extended until the end of 2018.The secretary general said it had taken four "long" years for OPEC to get where it is today, with prices hovering around .Barkindo said the cartel was committed to seeing the agreement through, but he hinted that market conditions could spur a change."We have always been flexible. There is nothing sacrosanct in this market," Barkindo said.  2414

The House Judiciary and Oversight committees have released a transcript?of former FBI Director James Comey's closed-door interview with the committees on Friday.Lawmakers and Comey said that the interview was tense and that Republicans were frustrated by instructions from a Justice Department attorney telling Comey not to answer certain questions about the Russia investigation. Comey and House Democrats said the interview was a waste of time consumed with questions about Hillary Clinton's emails.The transcript was released as part of a compromise struck by Comey and House Judiciary Chairman Bob Goodlatte, R-Virginia, who had initially subpoenaed Comey to appear behind closed doors.Comey fought the subpoena in court, saying he would only testify if the proceedings were held in public. But he later backed down, agreeing to appear behind closed doors on the conditions that the transcript would be released as soon as possible and he would be free to speak about the interview afterward.Comey was interviewed as part of the Republican-led investigation into FBI's investigations into Clinton and Donald Trump and Russia in 2016. Republicans are preparing a report detailing their findings before Democrats take control of the House in January. 1265