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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 race for a COVID-19 vaccine appears to be on the horizon. But without large numbers of Americans getting the vaccine, the notion of herd immunity could be a challenge. Some are pondering whether people should be required to get a vaccine.Coronavirus cases are spiking across most of the country. Hospital ICU beds are becoming scarce, and a number of states are warning of potential lockdowns.“If they don’t start to bend this curve, then it is clear that we’re going to have to take more difficult measures and go to a stay-at-home order,” said Illinois Governor JB Pritzker.But there was some good news this week. Pfizer concluded phase three of its vaccine study. The two-shot course they say is 95 percent effective against COVID-19. Earlier in the week, Moderna said its vaccine is 94.5 percent effective.“Based upon the preliminary data that is out there, these vaccines appear to be quite safe and very, very effective at preventing COVID,” said Dr. Tina Tan, a professor of infectious disease at Northwestern University’s Feinberg School of Medicine and a pediatrician at the Ann & Robert H. Lurie Children’s Hospital in Chicago.If green-lit by the FDA, one question that may arise is whether Americans should be mandated to get vaccinated. In August, Dr. Anthony Fauci weighed in.“You don’t want to mandate and try and force anyone to take the vaccine. We’ve never done that,” said Fauci.According to a Pew Research survey in September, about half of U.S. adults (49 percent) said they definitely or probably would not get vaccinated. That was up from 27 percent in May.“I think it's going to be really important to build public trust before we talk about mandating vaccines for adults or even for children,” said Tan.Tan points out that none of the vaccines have been tested in children, and so, school mandated vaccinations could be years away.Still, legal scholars say local vaccine mandates have historically had solid legal precedent for enforcement for more than a century.“The short answer is yes, a vaccine can be mandated under the law,” said Juliet Sorensen, a professor of health and human rights at Northwestern University’s Pritzker School of Law.Sorensen says it’s still a complex question, not just about whether a vaccine can be mandated, but whether it should be.“The Constitution empowers state and local governments to take measures in furtherance of the public health as long as there is a basis in science for doing so,” she explained.And while few are endorsing a vaccination mandate right now, as the death toll climbs without universal mask-wearing and social distancing, it could be up for further debate. 2655

The massive new Museum of the Bible opens just blocks from the U.S. Capitol in Washington, D.C. later this week.Measuring 430,000 square feet, the privately-funded, 0 million project houses over 2,800 artifacts going back to biblical times. And then there's the building's size and scope, which rivals some of the neighboring Smithsonian museums on the National Mall, and the top-floor view of the Capitol Dome."Some people think we're coming here to have an influence on Congress. Who doesn't come here to have an influence on Congress," said Steve Green, the chairman of the museum's board.As President of Hobby Lobby, Green has already made an impact in Washington and around the country when the Supreme Court in 2014 sided by a 5-4 vote with his company over the Obama Administration, ruling the Affordable Care Act's contraception mandate to be a violation of the family-owned, for-profit business' religious freedom.But Green says any influence the Museum of the Bible may have on members of Congress who come to view the exhibits is only a happy byproduct of the real reason why the museum found its way to its Washington location. According to Green, the museum's leadership selected the city for the capital's foot traffic, not politics, and executive director Tony Zeiss says their settling on a building so close to the Capitol "was simply coincidence." The museum, which opens Friday after seven years of planning, focuses on the history, stories, and impact of the Bible, and includes interactive features like a space re-creating Jesus's first-century village.But the museum doesn't shy away from American politics, either, with exhibits detailing the Bible's importance from 17th century Puritan settlers to the 20th century civil rights movement, and how the Bible was used to justify both pro- and anti-slavery stances that drove America into Civil War."We want people to see how it was used for the good, the bad, and the ugly," says Norm Conrad, the museum's curator for Americana and Biblical Imprints.If there's any lesson on today's politics and culture visitors should take away, the museum's leaders aren't telling. Their goal in Washington, they say, is to inspire people to read the Bible.  2248

The Lee County Sheriff's Office says a Minnesota fugitive wanted for the murder of her husband is also responsible for a murder in Fort Myers Beach, Florida this week.Lee County Undersheriff Carmine Marceno said in a press conference Friday that they believe that Lois Reiss has since fled Southwest Florida to the Corpus Christi, Texas area.A national manhunt is under way for Reiss, who is considered armed and dangerous and should not be approached.Marceno says Reiss befriended 59-year-old Pamela Hutchinson and targeted her due to their similar appearance. Investigators say Reiss murdered Hutchinson in her?condo Monday, then took her ID and car and fled Southwest Florida in Hutchinson's white 2005 Acura TL with a Florida license plate Y37-TAA.Reiss is believed to have traveled through the Gulf coast to Corpus Cristi, Texas, but her current whereabouts are unknown.Reiss is wanted for Murder and Grand Theft.According to KLXT-TV in Rochester, Minnesota, Reiss is facing second degree murder charges there after shooting her husband to death back in March.According to the Minnesota Bureau of Criminal Apprehension, Reiss’ car was found abandoned in Florida earlier this week and she remains at large.Law enforcement also believe she stole over ,000 from her deceased husband's business. 1347

The race for the White House has reached its final week, and millions of Americans have already gone to the polls to cast a ballot in the 2020 presidential election.On Wednesday, a number of national and state polls were released. In general, Joe Biden is leading Donald Trump in national polls, but battleground polls show a tightening race. A CNN poll of likely voters released Wednesday afternoon showed Biden leading Trump 54-42 in the popular vote, which is slightly tighter than the 57-41 advantage the CNN poll had for Biden in early October.Another poll, one conducted by the Economist/YouGov, showed Biden leading by 11%. Emerson released its poll on Wednesday showing Biden with a 5% edge. But one poll, the Rasmussen poll, shows Trump actually ahead nationally by 1%. Polls by Rasmussen have generally been more favorable than other national polls.One national poll released on Tuesday, conducted by CNBC, had Biden up 51-40.State pollingNo matter the margin of the popular vote, the number that matters the most is reaching 270 Electoral College votes. And in that respect, Biden is leading in the polls, but his leads in battleground states is much more fragile than his standing in the national polls.In Wisconsin, a poll released on Wednesday by Marquette gave Biden a 48-43 edge. An ABC News/Washington Post poll of Wisconsin gave Biden a much larger lead of 17%, which is a bit of an outlier from other polls of the state.In Michigan, Biden held a 51-44 lead in the ABC News/Washington Post poll while he led Trump in the New York Times/Sienna poll 49-41 on Wednesday.In North Carolina, the race was a statistical tie with Biden’s advantage well within the margin of error in Wednesday’s Civitas/Harper poll.In Georgia, Biden leads 50-46 in the Monmouth poll.In recent days, polling in Arizona, Florida and Iowa have generally been within the margin of error. Biden has held a very narrow lead in Pennsylvania.Comparing 2020 to 2016The landscape of the race six days out is somewhat similar to the 2016 race.One key difference is Clinton’s lead in national polls was generally smaller than Biden’s lead. The final CNN poll, which was released two weeks before the election, gave Clinton a 5% edge. The final CNBC poll gave Clinton a lead of 9%. But other reputable polls, such as the CBS News Poll, were more narrow. The CBS News poll gave Clinton just a 3% edge. Clinton ended up winning the popular vote by 2%.Battleground state polls generally were off by a margin of 5%, which is normal in a presidential election. What made things abnormal was those polling errors were just enough to flip the election for Trump in a number of states.In Michigan, a Detroit Free Press poll released a week before the election showed Clinton up by 4 percent. She ended up losing by .2 percent.In Pennsylvania, polls generally gave Clinton a modest lead. Her lead in the final CNN poll was 5 percent a week before the election. She ended up losing by 1 percent.Wisconsin was another state Trump won by about .5%. He trailed Clinton in the Marquette poll by 6% in the final days before the election. Compared to 2016, his deficit in the Marquette poll is slimmer in 2016 than it is currently.On the flip side, polling in Nevada did not suggest a Clinton win. A CNN poll had Trump up 51-46 just days before the election. Clinton won the state by 2%.What is conclusive in pollingWhile predicting a winner in the presidential election might be a challenge based on polls, they can give an insight on what voters are thinking.One clear difference in the polls is based on gender. Wednesday’s CNN poll gave Biden a 61-37 lead among women, while Trump won with men 48-47. The poll also showed Biden leading among independents 58-36.While voters were more inclined to say Biden would do a better job handling the coronavirus, health care, racial inequality in the US and crime and safety, a slim majority, 51-46, said that Trump would do a better job with the economy. 3972

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