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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 other shoe has dropped for struggling sneaker company Under Armour.Under Armour reported quarterly sales Tuesday that fell nearly 5% from a year ago, missing forecasts badly. The company also lowered its outlook for the year again.That news sent the company's two classes of stock down more than 15% Tuesday. They had already lost nearly half their value for the year ahead of the earnings report. (Under Armour's UAA shares have voting rights while the UA shares do not.)CEO Kevin Plank said in the earnings release that the biggest problem is lower demand for its shoes and athletic apparel in its home market of the United States.The Baltimore-based company has been growing internationally, with sales surging in Europe, Latin America and Asia during the quarter.But those markets are still relatively tiny for Under Armour. Revenue in North America makes up more than three-quarters of its overall sales -- and those sales plunged 12% in the third quarter.It's a stunning fall from grace for Under Armour, which not that long ago was gaining market share at the expense of Nike and Adidas.The company signed Golden State Warriors star Steph Curry a few years ago, a move that seemed like a slam dunk success, since Curry has gone on to win multiple NBA MVP awards and two championships.But several iterations of the Curry shoes have routinely been mocked on social media for not looking cool. Even Curry's teammate Kevin Durant, who endorses Nike, poked fun at Under Armour earlier this year.Making matters worse, there have been reports of supply chain issues with the new Curry 4 line of sneakers. And Under Armour confirmed during its conference call with analysts Tuesday that it will delay some products to the fourth quarter.Under Armour also suffered from bad PR earlier this year after Plank agreed to join the White House's now defunct manufacturing council. Plank said in an interview with CNBC that "a pro-business president is something that is a real asset for the country."Curry told The Mercury News that he agreed with Plank -- but only "if you remove the 'et' from asset." Other professional athletes have been vocal about their disagreements with Trump as well.As such, Plank -- like many other CEOs -- has distanced himself from Trump lately.After Trump was reluctant to criticize neo-Nazis at a white supremacist rally, he then bashed Curry for not wanting to visit the White House and attacked athletes who protested the national anthem. Under Armour has come to the defense of its star endorsers.But that hasn't been enough to rejuvenate Under Armour's flagging sales or stock price.Meanwhile, Adidas has thrived in the past year while Under Armour and Nike have both struggled. Even Skechers has enjoyed a resurgence lately.So what can Under Armour do to get back on track? Neil Saunders, managing director of the research firm GlobalData Retail, wrote in a report that the company should continue to focus on expanding globally, which has been successful for Under Armour.But Saunders added that the company has to do more to court women as consumers, as Nike, Adidas and yoga apparel king Lululemon have successfully done."Under Armour is not so broken that it cannot be fixed. But the days of glory, when it would post double-digit uplifts in sales, are over. Now is the time to work out, slim down, and become more competitive," Saunders wrote.  3394

The leaders of North and South Korea will meet on April 27 for the first time since 2007, the two countries announced Thursday after high-level talks.The landmark meeting between President Moon Jae-in and Kim Jong Un will be held at Freedom House on the southern side of the Demilitarized Zone (DMZ), according to the joint statement issued after the talks.Officials from both sides will hold working-level talks on April 4 to prepare for the meeting and agree on security and media arrangements, it added.The summit will be seen as a victory for Moon, who has long been pushing hard for diplomatic relations with North Korea. He said at his swearing-in ceremony in 2017 "for peace on the Korean Peninsula, I will do everything that I can do."The last Inter-Korean summit was held in October 2007, when then President Roh Moo-hyun met Kim's father, Kim Jong Il.  875

The man who allegedly assaulted GOP Sen. Rand Paul outside his Kentucky residence pleaded not guilty Thursday to misdemeanor assault in the fourth degree at his arraignment in Bowling Green.Rene Boucher allegedly tackled Paul, breaking six of his ribs and sustaining bruised lungs. There was no change to the charges and no change in bond.The attorney representing Boucher said Monday that attacking the Kentucky Republican had "absolutely nothing" to do with politics. 477

The holiday season is here and small businesses, particularly restaurants, need all the help they can get.Many have had to close their doors a second time as coronavirus cases soar and more states implement more stringent shutdown measures.“We’ve got to do what we’ve got to do,” said Alejandro Landa, a server at his family’s diner in Denver.Last week, Landa’s family had to decrease its indoor dining capacity from 50 percent to zero as the state implemented its “code red” COVID-19 lockdown, which only allows for limited outdoor dining, while also allowing to-go and delivery orders.He says the family learned that tips on any take out orders are a big help. Most servers rely on them for most of their income.“This is all we have right now,” said Landa. “It’s a family restaurant. It’s just my mom, my two sisters, and my grandma at home. It’s all we have, and we really need to keep it up because there’s no other place to go.”Other restaurants suggest checking to see if gift cards are available. Purchasing one can give the establishment a quick influx of cash, while offering the guest a dining experience once things return to normal once more.“When our GM said we won’t be able to do dine-in for close to the rest of the year, we’re like that’s crazy talk, this is going to get better,” said Sierra Taruini, an assistant manager at an Italian Eatery. “It hasn’t gotten better. I’m a little biased but I think our food would make for a great gift.”Tarquini is one of four people on staff at diFranco’s. Typically, the bistro employs 8-10 people, but the initial and subsequent lockdowns have forced them to cut staff to barely stay profitable.Tarquini says food delivery services such as Uber Eats and Door Dash can give them additional revenue, but she suggests ordering the food from the restaurant’s website directly. Oftentimes, those carrier services charge the restaurants a small fee per order. Tarquini says by calling the restaurant directly, they can save a few additional dollars, and more menu options may be available.“The phone doesn’t stop and that has really helped me,” said Ron Robinson, owner of Gaetano’s, an upscale Italian restaurant.Robinson says he never tried takeout before COVID because his dishes are made fresh and transporting them with the same quality can be difficult. Ever since he adjusted as a way to stay in business, however, he says people have shown massive support as they order directly from him for date nights and other occasions.“I had a guy the other night come in and get eight martinis to go,” said Robinson. “You know, they buy bottles of wine to go, so every little bit helps.”Robinson says if a restaurant offers alcohol, ordering a craft cocktail to go is beneficial. He says it allows restaurants to use and order more alcohol, which can be difficult since many of their bars are closed. He also says it can create more ambiance for a special event. 2920