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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

If the documents Business Insider says it saw are official, we'll have Pumpkin Spice Lattes from Starbucks in our hands even earlier than ever.The online news outlet says the drop date for the popular seasonal beverage at Starbucks is Aug. 28.Supplies are already being sent to Starbucks stores, the website says. 321

If you were waiting for the annual Kardashian-Jenner clan Christmas photo, or perhaps an invite to their annual Christmas Eve party, they are not coming.Khloe Kardashian tweeted this week that “taking this pandemic seriously is a must” and family traditions are being canceled.COVID-19 cases are spiking around the country, and in California, much of the state is under stay-at-home orders because of the dwindling number of available ICU beds. These orders include the most populous areas of the state, like Southern California where the majority of the Kardashian family lives.Responding to a question on Twitter about whether they were doing a Christmas party, Khloe responded, “The Covid cases are getting out of control in CA. So we decided that we’re not doing a Christmas Eve party this year. It’s the first time we will not be having a Christmas Eve party since 1978 I believe. Health and safety first though! Taking this pandemic seriously is a must.” 968

In an interview with the Washington Post, FDA Commissioner Scott Gottlieb said that the agency is proposing a ban on menthol cigarettes citing youth and minority smoking rates. According to the New York Times, a ban on menthol cigarettes could take several years to execute. It is a move that other nations have made. Canada has already implemented such a ban, and the European Union's menthol ban goes into effect in 2020. According to the FDA, menthol may reduce the irritation and harshness of smoking. According to FDA statistics, more than half of youth smokers smoke menthols. Also, a disproportionate number of minorities smoke menthols. Studies have also suggested that using menthol makes it more difficult to quit smoking, the FDA says. There have been groups, such as the African American Tobacco Control Leadership Council, that have pushed the federal government to ban menthol cigarettes. The council's co-chair, Phillip Gardiner, told the Washington Post, "I’m sorry it has taken the FDA so long to come around but I’m glad they finally are. They should have done it 10 years ago and saved hundreds of thousands of lives."According to FDA figures, more than 19 million Americans smoke menthols.  1273

Hundreds of museums across the country are struggling financially. Many were shut down for long periods of time during stay-at-home orders to slow the spread of the coronavirus. Some are still not ready to reopen. "We're targeting to reopen next year. Hopefully, we will sit back and recover and be able to think through and make sure everything will be safe for everybody," said Lily Birmingham, the director of the San Diego Chinese Historical Museum. Birmingham's museum, like many others, shut down in March because of shelter-in-place restrictions."We have very little funding to begin with so with the closure of the museum, we can not raise funding. We couldn't get admission funding so we had to lay off our employees. We now rely on volunteers, so it's very difficult. Funding is always difficult for museums. We're a non-profit organization," said Birmingham.Recently, The American Alliance of Museums surveyed more than 750 museums nationwide. From large to small and in urban and rural communities. What they found was that nearly one-third of them may not survive this pandemic."Back in March, I kind of speculated that it might be 25-30% of museums that would not make it through an extended financial crisis and indeed the survey did confirm our worst fears that one in three museums say there is a significant risk for having to close permanently," said Laura Lott, the President and CEO of the American Alliance of Museums. Lott says most museums make the majority of their money from ticket sales, renting their space for events and sales from their gift shops and cafes. Lott says museums have three major impacts on their communities, the first is economic."Museums contribute more to the economy than we might imagine. Nationally it's about billion that museums contribute to the national GDP across the country. They employ 750,000 people and pay billion in tax revenue at the state, federal and local level, even though most are non-profits," explained Lott.The second impact is on education, as they host numerous schools for field trips. Lott says the third impact museums have is they protect our cultural heritage. "Each museum is unique. It holds unique artifacts and stories that we’ve chosen to preserve and protect for future generations and if those museums go away, they're likely to be gone forever," said Lott.For the San Diego Chinese Historical Museum, historians have been collecting items dating back more than 100 years, preserving history of when Chinese immigrants first came to California. "There's a couple things people can do to help museums right now. People need to really contact their legislators and let them know why their museums are important to them and advocate that museums be included in any financial relief at all levels; the federal, state and local levels," said Lott."It could be monetary, of course, is the best. Volunteer hours or just show the appreciation. Show the concern and care so we know people love our museum. So, there are different ways to show the appreciation," said Birmingham. Lott says any bit of support will make a difference for many museums so they can continue to preserve history for years to come. 3202

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