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The Miami Police Department said they are investigating an incident involving an officer in uniform who was spotted wearing a pro-Trump mask inside a polling site.According to the Miami Herald, the officer was spotted wearing the mask inside a polling site, which under state statute, is not allowed during an election if they are endorsing a candidate.The picture of the officer was taken by Steve Simeonidis, who according to Buzzfeed News is the Chair of Miami-Dade Democrats.The police department said in a tweet that they are aware of the photograph and this type of behavior is "unacceptable, a violation of departmental policy, and is being addressed immediately." 679

The percentage of Americans who say they would probably or definitely get a COVID-19 vaccine when one becomes available has sharply decreased in just the last few months.A survey done in mid-September by the Pew Research Center found only 51 percent of respondents would definitely or probably get the vaccine when one became available. A similar survey done in May found 72 percent of participants would definitely or probably get the vaccine. The 21 point drop was all in the “definitely would get the vaccine” category, according to the data.According to the data, a large drop in the number of American who would get the vaccine was seen in both Republican leaning respondents and Democratic leaning.Republican participants went from 65 percent would get the vaccine in May to 44 percent in September. Participants who identified as Democratic went from 79 percent would get the vaccine in May to 58 percent in September.Large drops were seen across gender, race and ethnicity as well.“About three-quarters of Americans (77%) say it is at least somewhat likely that a vaccine for COVID-19 will be approved and used in the U.S. before it’s fully known whether it is safe and effective, including 36% who say this is very likely to happen,” Pew Research Center wrote of their findings.Of the 49 percent who would not get a vaccine, the majority of them are worried about potential side effects.Side effects are also a concern for those who would get the vaccine. Of the 51 percent who said they would probably or definitely get the vaccine, more than half said that if many people were experiencing minor side effects they would reconsider getting the vaccine.The data came from more than 10,000 Americans surveyed between September 8-13. 1748

The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211

The jittery stock market is once again heading south.The Dow dropped 327 points, or 1.3%, on Thursday, with selling accelerating after Treasury Secretary Steven Mnuchin backed out of a conferencein Saudi Arabia. The index had been down 471 points at one point.Tech stocks fell sharply, sending the Nasdaq tumbling 2.1%. Netflix declined 5%, while Facebook and Amazon lost about 3% apiece.Stock market volatility is back on Wall Street. Fears about rising bond yields and the US-China trade war sparked heavy selling last week, the worst for all three major indexes since March. Stocks rebounded sharply on Tuesday, before another wobbly session on Wednesday. The CNN Business Fear & Greed Index of market sentiment is flashing "extreme fear."The market slide gathered steam on Thursday after Mnuchin announced on Twitter that he will not participate in the Saudi summit. Mnuchin said it was a joint decision with President Donald Trump and Secretary of State Mike Pompeo. An administration official told CNN that no other government officials will attend the event in Mnuchin's place.The news adds to rising global uncertainties, including concerns about Italy's budget and a plunge in China's stock market.David Kotok, chief investment of Cumberland Advisers, said he believes Thursday's market slide was driven more by concerns about Italy and China."But Mnuchin doesn't help things," said Kotok.Mnuchin's announcement points to elevated tensions between the United States and Saudi Arabia over the disappearance of Washington Post journalist Jamal Khashoggi.Saudi Arabia has threatened to retaliate against potential US sanctions. The kingdom is the world's largest oil exporter, giving it great sway over global energy prices. US oil prices briefly bounced on the Mnuchin news but closed lower on the day.Saudi Arabia has also played a huge role financing the rise of Silicon Valley, serving as the tech industry's unofficial banker.But the market has also been pressured by other international developments. Even before Mnuchin's tweet, analysts pointed out that Italian bond yields spiked due to concerns about Italy's budget proposal. The European Union plans to send a formal warning letter to Rome to signal displeasure over plans to increase Italy's budget deficit, Reuters reported.Chinese markets were also under pressure. The Shanghai Composite plunged nearly 3% overnight, falling deeper into a bear market as the US-China trade war continues to linger.US investors continue to move money out of the riskiest parts of the market and into defensive areas. While tech stocks fell sharply, defensive areas such as utilities and telecom rose slightly."There is a rotation away from the tech and momentum names," Kotok said. "One has to ask: Has FANG been defanged?" 2868

The official schedule of memorial services for former President George H.W. Bush, who died late Friday at the age of 94, was released Saturday evening.An arrival ceremony involving both the House and Senate will be held at 4:45 p.m. ET on Monday at the US Capitol, where Bush will lie in state in the rotunda until Wednesday morning. The public can pay their respects to the 41st president from 7:30 p.m. ET Monday to 8:45 a.m. ET Wednesday.On Wednesday, family and friends will gather at the National Cathedral in Washington, DC, for an 11 a.m. ET memorial service.President Donald Trump designated Wednesday as a national day of mourning, the White House said.The former president will also lie in repose at St. Martin's Episcopal Church in Houston, where Bush lived, from 7:45 p.m. ET Wednesday until 7 a.m. ET Thursday. A second memorial service for Bush will be held at St. Martin's Episcopal Church at 11 a.m. ET Thursday.Bush will then be taken by a motorcade procession to the George H.W. Bush Presidential Library in College Station, Texas, where he will be laid to rest.. The remains will be transported by funeral car (train) to College Station.The arrival ceremony at Texas A&M University will be at 4:45 p.m. ET and will be followed by another ceremony and the interment at 5:15 p.m. ET at the George Bush Presidential Library & Museum.Both Bush's wife Barbara, the former first lady who died in April, and their daughter Robin, who died of leukemia as a child, are laid to rest on the library's grounds.A tribute website for Bush has been set up on which funeral details will be posted.In lieu of flowers, the Bush family has requested that donations be made to the George Bush School of Government and Public Service at Texas A&M University.To honor the former president, the international nonprofit Points of Light, founded by Bush, invited the public to celebrate Bush by giving a day of service in his memory. 1947

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