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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

IMPERIAL BEACH, Calif. –  A former United States border patrol agent says he nearly lost his arm in 2010 after training in Silver Strand Waters in southern California.Joshua Willey says he contracted flesh-eating bacteria.“I just remember my arm was extremely swollen like I wanna say the size of a volleyball maybe, “ Willey said. “My family and I were told that I might have to have my arm amputated and that was hard to hear.”Willey joined the group, “Citizens against Sewage” Friday afternoon to demand action against the ongoing problem.President Trump is scheduled to visit San Diego next week to look at the border wall prototypes, and the group wants him to take a tour of the Tijuana River Valley and view the extensive sewage issues."Citizens against Sewage" also called for the commissioner of the U.S. International Boundary and Water Commission (IBWC) to resign or be reassigned for what they claim is a lack of action on the matter:IBWC sent the following statement to Scripps station KGTV in San Diego:"Our thoughts and prayers are with the Agent and his family. We have successfully pressed Mexico into taking emergency actions and that as a result fugitive illicit discharges are being intercepted.Mexico has told us and we are verifying that they are indeed taking steps to stop sewage from crossing the border. Commissioner Drusina will work until otherwise notified by the Administration." 1452

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

I can’t even describe what this meant to me and my sisters, my brother, my mom and closest friends to experience together. Thank you so much Kanye for this memory that will last a lifetime ? Here’s a more close up view to see the incredible detail. pic.twitter.com/XpxmuHRNok— Kim Kardashian West (@KimKardashian) October 29, 2020 338

If you are way into politics, you are not the average American. Not even close.A new poll from the University of Pennsylvania's Annenberg Public Policy Center reveals how shockingly little people know about even the most basic elements of our government and the Constitution that formed it.Take your pick from this bouillabaisse:* More than one in three people (37%) could not name a single right protected by the First Amendment. THE FIRST AMENDMENT.* Only one in four (26%) can name all three branches of the government. (In 2011, 38% could name all three branches.)* One in three (33%) can't name any branch of government. None. Not even one.* A majority (53%) believe the Constitution affords undocumented immigrants no rights. However, everyone in the US is entitled to due process of law and the right to make their case before the courts, at the least.(And the First Amendment protects the rights to free speech, free exercise of religion, freedom of the press and the rights of people to peaceably assemble, in case you were wondering.)"Protecting the rights guaranteed by the Constitution presupposes that we know what they are," said Annenberg Director Kathleen Hall Jamieson. "The fact that many don't is worrisome."The Annenberg poll is far from the first to reveal not only our collective ignorance about the basic tenets of democracy but also the fact that we are even less informed than we were in the past.Take this Pew Research Center poll from 2010. When asked to name the chief justice of the Supreme Court, less than three in 10 (28%) correctly answered John Roberts. That compares unfavorably to the 43% who rightly named William Rehnquist as the chief justice in a Pew poll back in 1986.What did the 72% of people who didn't name Roberts as the chief justice in 2010 say instead, you ask? A majority (53%) said they didn't know. Eight percent guessed Thurgood Marshall, who was never a chief justice of the Court and, perhaps more importantly, had been dead for 17 years when the poll was taken. Another 4% named Harry Reid, who is not now nor ever was a Supreme Court Justice.What we don't know about the government -- executive, legislative and judicial branches -- is appalling. It's funny -- until you realize that lots and lots of people whose lives are directly affected by what the federal government does and doesn't do have absolutely no idea about even the most basic principles of how this all works.It leads to huge amounts of discontent from the public when they realize that no politician can make good on the various and sundry promises they make on the campaign trail. 2654

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