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If you thought doctors making house calls was a thing of the past, check this out: They may be more relevant now than ever before. It starts with a call for help. But the responders aren't caped crusaders, and they are not riding in the Batmobile. Still, those who need their help would say they are saving the day.  Pam Womack and Dan Eppelsheimer are with DispatchHealth; on demand urgent care at your house. On a recent house call, they visited Lee Armstrong, whose gout made it nearly impossible to make it to the doctor.  "Is it this toe?" Womack asks. "Yes," Armstrong replies. "Right there where I'm touching?" Womack confirms.  After evaluating him, Womack was able to give Armstrong a dose of medication on the spot.  "Okay I'm going to print you up some instructions here," Womack says.  He was relieved.  "It's a shame that you can be so sick that you can't travel," Armstrong said. "I couldn't hardly walk to the door in there. I really appreciate it. I really do."  "I like going into the home with the patients," Womack said. "And seeing the challenges they might have in the home that if you came into the emergency room you might not see."  "People would come to the emergency department just for simple things like that which we can do quickly and easily at their own home," says Phil Mitchell, an ER physician and Medical Director at DispatchHealth.Dr. Mitchell said that experience is a catalyst for the work dispatch health does.Nationwide, 50 percent of emergency rooms operate at or above capacity. And every year 500,000 ambulances are diverted away from the closest hospital due to ER overcrowding."How do we provide more value for patients?" Mitchell says. "How to we decrease 911 transports and how do we decrease emergency medicine and emergency department visits for patients that don't really need to be in that high level of care."  From gout to a common cold, no need is too small. And the company says on average it's about 80 percent more affordable than a visit to the emergency room.There is an ongoing effort to streamline service and provide care where it's most comfortable.Right now, DispatchHealth operates in Colorado, Arizona, and Virginia and is continuing to expand nationwide with new operations scheduled to open in Las Vegas this year. 2375

In breaking with his administration's top expert on infectious disease, President Donald Trump said Tuesday that he believes that the U.S. is "in a good place" in the COVID-19 pandemic, according to CBS News and CNN.Trump reportedly made the comments in an interview with Greta Van Susteren, the chief political analyst for Gray Television."We've done a good job," Trump said. "I think we are going to be in two, three, four weeks, by the time we next speak, I think we're going to be in very good shape."Trump's comments came a week after Fauci, while testifying at a Senate hearing, called the current trend of rising cases "disturbing" and said he was concerned that some states were "skipping steps" on the process to reopening. In that same hearing, Fauci warned that confirmed cases of COVID-19 could rise to as many as 100,000 a day if current trends continued."Well, I think we are in a good place. I disagree with him," Trump said. "Dr. Fauci said don't wear masks and now he says wear them. And he said numerous things. Don't close off China. Don't ban China. I did it anyway. I didn't listen to my experts and I banned China. We would have been in much worse shape."On Tuesday — the same day Trump delivered those comments — 60,000 new cases of the coronavirus, a new daily record, were reported across the country, according to a Johns Hopkins database. Also on Tuesday, the Institute for Health Metrics and Evaluation at the University of Washington reported that hospital resource use throughout the U.S. was on the rise.Fauci and the Centers for Disease Control and Prevention (CDC) did initially advise against the use of masks when cases began to rise in the U.S. At the time, health officials were concerned that asking the general public to wear masks would decimate an already-depleted stockpile of personal protective equipment. But since early April, health officials have universally advocated for the use of masks for most in situations where social distancing could be difficult."We have to admit it, that that mixed message in the beginning, even though it was well-meant to allow masks to be available for health workers, that was detrimental in getting the message across," Fauci said in an interview with NPR earlier this month. "No doubt about it."Trump's full interview with Van Susteren will air on Sunday. 2346

I would like to extend my deepest condolences to the family members who died in a house fire in Green Valley Ranch overnight. I want to assure their neighbors and loved ones that we will move swiftly to determine what caused this tragedy.— Michael B. Hancock (@MayorHancock) August 5, 2020 297

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 they die, fast trial death penalty for the killer. Only way to stop this! https://t.co/K3sKh28GjX— Donald J. Trump (@realDonaldTrump) September 13, 2020 163

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