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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 man suspected of sending 14 pipe bombs to prominent Democrats around the country will be formally charged in court Monday.Cesar Sayoc, 56, of Aventura, Florida, is facing federal charges and could receive up to 48 years in prison if convicted.As of Friday, authorities had intercepted 14 packages Sayoc sent through the US mail system, officials said. None of the devices detonated, and no one was injured. Another package that appears identical to the others was sent to CNN's worldwide headquarters in Atlanta, but it was intercepted Monday at an off-site screening facility.Among his alleged targets were former President Barack Obama, former Secretary of State Hillary Clinton, former US Attorney General Eric Holder, California Senator Kamala Harris, New Jersey Senator Cory Booker and California Rep. Maxine Waters.Sayoc is expected to stand trial on five federal crimes: interstate transportation of an explosive, illegal mailing of explosives, threats against former Presidents and other persons, threatening interstate communications and assaulting current and former federal officers.  1112

The mayor of Philadelphia said on Tuesday that all large events have been canceled until February 28, 2021, due to the coronavirus pandemic."This was not an easy decision to make," Mayor Jim Kenney said in a tweet. "The health and safety of residents, workers, and visitors must be our top priority." 308

The pandemic, and much of the isolation that has come along with it, has prompted a lot of discussions about mental health. Now, as the winter months approach, psychologists are concerned about the impact seasonal affective disorder, or seasonal depression, might have."And we think that it is because of reduced light and at a more reliable time late in the year, usually around spring, summer, those symptoms resolve. And so, we come into 2020 and it's a completely different landscape right now, and honestly, we don't know what to expect yet," says Dr. Craig Sawchuck, a clinical psychologist with the Mayo Clinic.Dr. Sawchuck says there is some speculation that seasonal depression rates could increase this year."Kind of think about it like people are operating at a deficit right now. With the number of stressors that have been going on in 2020, just the erosion effect has been wearing folks down, so maybe folks that have struggled with winter blues in the past, so maybe not full-blown seasonal depression but winter blues, you layer in the erosion effect with the stress and maybe that's going to put them more in the range of depression," says Dr. Sawchuck.Social isolation from the pandemic and any unhealthy habits that might normally form in the winter months could exacerbate seasonal depression."Energy goes down, we want to sleep more, there's that urge for carbohydrate cravings, increased weight gain and socially pulling back or withdrawing," says Dr. Sawchuck.Experts say if you suffer from winter blues or seasonal depression, there are things you can do to try and boost your mood."Seasonal depression and treatment during this time is a little tricky. Some of the things we would recommend are hindered by COVID-19, especially with the escalating rates. So, things like getting outside might be risky for some people with the transmission of COVID -19, so we’re thinking about some of the basic things to just take care of yourself. What are your coping skills? What are things that do get you involved and happy and excited?" says Dr. Apryl Alexander, a psychologist and professor at the University of Denver.Dr. Alexander says a recent study from the American Psychological Association reports that eight in 10 Americans are feeling stressed because of COVID-19. Even though we're in a pandemic, Dr. Alexander says it's still important to socialize, especially if you are prone to seasonal depression."So, how can you maintain those social connections during this time, whether its dance parties we’ve had in our department during COVID-19 to engaging with your family members on Zoom or other forms of social media," says Dr. Alexander.Dr. Alexander also says many psychologists and therapists are offering virtual sessions, so it's important to take advantage of tele-mental health visits. And with the holiday season approaching, whether you're able to be with family or not, make sure you also take the time to check in on loved ones who may not be feeling themselves this winter season. 3027

The original Oktoberfest can be traced back to the early 19th century in Munich, Germany.Since then, cities across the United States celebrate the festival of German heritage.WalletHub compared the 100 largest U.S. cities based on 23 indicators of Oktoberfest friendliness and fun, and chances are, you can find one of these celebrations near you.In San Diego County, two areas are ready to say "provst!" 412

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