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Nine months into the COVID-19 pandemic and many people are inching by by making minimum payments on credit cards.But with Pandemic Emergency Unemployment Compensation set to expire next month, staying in good standing with your credit card companies may be getting harder.Many credit card companies are willing to set up a payment plan and waive fees or lower interests on your payments for a certain period of time, but there’s always fine print. There are other options without impacting your credit score.Getting by by making minimum payments on her credit cards, Jana Krause is feeling financially strapped."I'm finding myself in a position that I was able to make my credit card payments on time. Now I'm concerned that that’s not going to be a happening thing coming up in the next months," Krause said.With the Pandemic Emergency Unemployment Compensation set to expire next month, Krause reached out to her credit card companies hoping she can lower her minimum payments without having to go into a hardship program that would freeze her account and potentially impact her credit score."I'm stuck between a rock and a hard place," Krause said. "I've never experienced something like this in my life. I've never been out of a job."At 74, Krause is considered high risk for COVID-19, and going back to teaching wellness classes is not an option for her.Sara Rathner, a credit card expert at the finance company Nerd Wallet, said Krause is not alone."You can look into other options to free up cash in your budget to fulfill other obligations," Rathner said. "Turn to your utility companies, your landlord, your mortgage company, see what sorts of help they can provide. Maybe by freeing up cash in that way you’ll still be able to meet the minimum payments on your credit card."And if that’s not possible, research personal loans or debt consolidation programs. But beware of scams."You can start with non-profit credit counseling that can help you come up with a debt repayment plan and debt consolidation, or even just get help reworking your budget to see if you can free up money to pay your bills," Rathner said.Krause said she’s already cost-conscious doing groceries."I'm not going to one of my favorite stores and getting my favorite treats, nothing. I mean, all that’s been cut out," Krause said.Hardship payments programs may not be for everyone, but Rathner said weigh your priorities before you knock it."In an emergency, your credit score doesn’t need to be your first priority," Rathner said. "You can get yourself into a more stable situation and then focus on rebuilding your credit from there. Right now if what you need to do is keep a roof over your head, keep the lights on, and keep food on the table, that’s your number one priority."This story was first reported by Michelle Quesada at WPTV in West Palm Beach, Florida. 2856

New coronavirus cases in the U.S. have surged to their highest level in two months and are now back to where they were at the peak of the outbreak.The U.S. on Tuesday reported 34,700 new cases of the virus, according to a tally compiled by Johns Hopkins University that was published Wednesday. There have been only two previous days that the U.S. has reported more cases: April 9 and April 24, when a record 36,400 cases were logged.New cases in the U.S. have been surging for more than a week after trending down for more than six weeks. While early hot spots like New York and New Jersey have seen cases steadily decrease, the virus has been hitting the south and west. Several states on Tuesday set single-day records, including Arizona, California, Mississippi, Nevada and Texas.Cases were also surging in other parts of the world. India reported a record daily increase of nearly 16,000 new cases. Mexico, where testing rates have been low, also set a record with more than 6,200 new cases.But China appears to have tamed a new outbreak of the virus in Beijing, once again demonstrating its ability to quickly mobilize vast resources by testing nearly 2.5 million people in 11 days.In the U.S. state of Arizona, which on Tuesday reported a record 3,600 new infections, hundreds of young conservatives packed a megachurch to hear President Donald Trump’s call for them to back his reelection bid.As he did at a rally in Oklahoma over the weekend, Trump referred to the virus with a pejorative term directed at its emergence in China.Ahead of the event, the Democratic mayor of Phoenix, Kate Gallego, made clear that she did not believe the speech could be safely held in her city — and urged the president to wear a face mask. He did not. Trump has refused to wear a mask in public, instead turning it into a red-vs.-blue cultural issue.Earlier Tuesday, Dr. Anthony Fauci told Congress that the next few weeks are critical to tamping down the surge.“Plan A, don’t go in a crowd. Plan B, if you do, make sure you wear a mask,” said Fauci, the infectious disease chief at the National Institutes of Health.In China, an outbreak that has infected more than 200 people in the capital this month appeared to be firmly waning. China on Wednesday reported 12 cases, down from 22 the day before. Beijing reported seven new cases, down from 13.Officials in Beijing said they tested more than 2.4 million people between June 12 and June 22. That’s more than 10% of the capital’s population of about 20 million.Authorities began testing people at food markets and in the areas around them. They expanded that to include restaurant staff and the city’s 100,000 delivery workers. China also said it used big data to find people who had been near markets for testing, without specifying how.The vast majority have tested negative, though one courier delivering groceries from supermarkets tested positive.A single inflatable mobile lab in one district was capable of conducting 30,000 tests a day, the official Xinhua News Agency said.South Korea, which successfully tamed its first wave of infections, is seeing another rise. While the first outbreak was centered in its fourth-largest city, the current outbreak is in the Seoul region, where most South Koreans live. Authorities reported 51 cases Wednesday. Its increase of 40 to 50 cases every day over the past two weeks comes amid increased public activity and eased attitudes on social distancing.In India, with a population of more than 1.3 billion, the densely populated cities of Mumbai and New Delhi have been hardest hit. The country has reported more than 450,000 cases of the virus, including more than 14,000 deaths.The situation in New Delhi is a rising concern, with the federal government criticizing its poor contact tracing and a lack of hospital beds.Mexico reported nearly 800 new deaths on Wednesday. The country has recorded more than 190,000 cases and more than 23,000 deaths, although officials acknowledge both are undercounts due to extremely low testing rates. Mexico has performed only about half a million tests, or about one for every 250 inhabitants.Worldwide, more than 9.2 million people have contracted the virus, including more than 477,000 who have died, according to figures compiled by Johns Hopkins University.___Perry reported from Wellington, New Zealand. Associated Press reporters around the world contributed.Follow AP coverage of the virus outbreak at https://apnews.com/VirusOutbreak and https://apnews.com/UnderstandingtheOutbreak. 4528

NEW YORK (AP) — Mary Trump's scathing memoir about her uncle, President Donald Trump, is nearly a million seller on preorders alone. Simon & Schuster announced Thursday that Mary Trump's "Too Much and Never Enough" had sold a company record 950,000 copies as of its date of sale, earlier this week. Another anti-Trump book from Simon & Schuster, former National Security Advisor John Bolton's "The Room Where It Happened," sold nearly 800,000 copies in its first week when released last month. President Trump and his allies had tried to stop both books from coming out but have failed. 602

NEW YORK (AP) — U.S. health officials are dropping a controversial piece of coronavirus guidance and telling all those who have been in close contact with infected people to get tested.The Centers for Disease Control and Prevention (CDC) essentially returned to its previous guidance about such tests."Due to the significance of asymptomatic and pre-symptomatic transmission, this guidance further reinforces the need to test asymptomatic persons, including close contacts of a person with documented SARS-CoV-2 infection," the CDC wrote in a "clarification" posted Friday. With the change, the CDC got rid of language posted last month that said people who didn’t feel sick didn’t need to get tested.That August change set off a rash of criticism from health experts who couldn’t fathom why the nation’s top public health agency would say such a thing amid a pandemic that has been difficult to control.The New York Times reports that last month's change was not actually written by CDC scientists and was posted to the agency’s website despite their serious objections. It reportedly came from the Department of Health and Human Services.The CDC website now says testing is recommended for all close contacts of persons with SARS-CoV-2 infection. "Because of the potential for asymptomatic and pre-symptomatic transmission, it is important that contacts of individuals with SARS-CoV-2 infection be quickly identified and tested," the agency writes. 1458

NORFOLK, Va. — With members of Breonna Taylor's family on hand, Virginia Gov. Ralph Northam signed a bill into law Monday that banned the use of no-knock warrants, a controversial police tactic that has been the subject of criticism across the country since Taylor's death in March and amid the monthslong protests against police brutality."We are taking a step forward to make sure other families don't suffer the same loss," Northam said.In March, Taylor, a health care worker in Louisville, Kentucky, was fatally shot by police in her home while a "no-knock" warrant was being served at her apartment. While no officers have faced charges in connection with her death, city lawmakers have already outlawed the use of such warrants in Lousiville."We can't have this continue to happen to African American women and men," State Senator Mamie Locke, D-District 2, said.Two of Taylor's aunts from Louisville were on hand for Monday's ceremony as Delegate Lashrecse Aird, D-63rd District and Locke joined Northam to sign the legislation they had sponsored.In Virginia, judges and magistrates can no longer issue a no-knock warrant. According to Northam's office, the Commonwealth is the third state to ban this practice and the first state to do so since Taylor's death."There have been a couple of cases years ago where sometimes the officers make the mistake and go to the wrong house and they don't announce [themselves], and the residents return fire and it's a bad situation," Richard James said.James spent almost 30 years as an officer and detective with the Norfolk Police Department, and he is the former department head for criminal justice and forensic science at Tidewater Community College.James says the new law protects citizens."It also lets a person know who is woken up in a slumber that it is not someone breaking into the house," he said.It also protects officers as well, but James says it can be a challenge for police now when they are trying to protect themselves from an actual threat."[They are going to need to ]make sure they have additional steps to make sure they are safe, and it's going to take some practice and training," James said.Gaylene Kanoyton is the political action chair for the Virginia state conference NAACP. The group has been advocating for police reform, and the no-knock warrant was at the top of their list."As Sen. Locke said, why do we have to wait for someone dies to be proactive?" Kanoyton said.She says the work doesn't end here."That feels great, but we still have a long way to go," she adds.This story was originally published by Nana-Séntuo Bonsu on WTKR in Norfolk, Virginia. 2643