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Hurricane Maria made landfall Wednesday in southeast Puerto Rico, ripping trees out of the ground and entangling two-thirds of the island in hurricane-force winds.Maria made landfall near the city of Yabucoa with winds of 155 mph -- just 2 mph short of Category 5 status, the National Hurricane Center said.By 9 a.m., those winds had weakened to 145 mph. But Maria is still a Category 4 hurricane, capable of ripping roofs off houses. 442

In a meeting that lasted less than 60 seconds, a Georgia board of elections voted down a plan Friday to close seven of a majority-black county's nine polling places ahead of November's midterm elections.Critics had said the plan to consolidate polling places in Randolph County, Georgia, was a brazen attempt to suppress the black vote in Georgia's governor race, which pits former Georgia House minority leader Stacey Abrams, who is black, against Georgia Secretary of State Brian Kemp, who is white.The vote came amid widespread national criticism and days after the county terminated its contract with Mike Malone, the consultant who made the recommendation. Malone had argued that closing the polling stations would save the county money, and that some of the sites suggested for closure did not comply with the Americans with Disabilities Act. 856

i’m officially pushing for emancipation. buckle up because this is probably going to be public one way or another, unfortunately. welcome to my life— CLAUDIA CONWAY (@claudiamconwayy) August 23, 2020 207

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 you knew the world was about to end, where would you go? I'm guessing, Kansas isn't the answer. But, it probably should be.Down a long dirt road in the middle of Glasco, Kansas there is a bunker that can withstand a nuclear bomb, earthquake, tornado, terrorist attack and even a pandemic. It's called Survival Condo. In the late 1960's it was a missile silo, but as modern technology quickly progressed, the old silo was forgotten about. However, 10 years ago Larry Hall purchased the bunker. He decided to build a luxury survival complex for the wealthy if Armageddon were ever to happen. The bunker sits 201 feet below ground. It takes less than 30 seconds to go from the top floor to the bottom. Each condominium cost three million dollars. The complex is self-sustaining and includes plenty of amenities. It has an indoor pool, dog park, spa, gym, cinema, grocery store, a hospital and a hydroponics room; which allows them to be self-sustaining. Survival Condo is also self-sustaining when it comes to power. They have batteries that last for 15 years, wind turbines, and two generators to keep the entire complex up and running. Larry Hall says, even if the world never comes to an end, residents who own a Survival Condo can still use the underground bunker as a vacation destination. 1322