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Nine months into the COVID-19 pandemic and many people are inching by by making minimum payments on credit cards.But with Pandemic Emergency Unemployment Compensation set to expire next month, staying in good standing with your credit card companies may be getting harder.Many credit card companies are willing to set up a payment plan and waive fees or lower interests on your payments for a certain period of time, but there’s always fine print. There are other options without impacting your credit score.Getting by by making minimum payments on her credit cards, Jana Krause is feeling financially strapped."I'm finding myself in a position that I was able to make my credit card payments on time. Now I'm concerned that that’s not going to be a happening thing coming up in the next months," Krause said.With the Pandemic Emergency Unemployment Compensation set to expire next month, Krause reached out to her credit card companies hoping she can lower her minimum payments without having to go into a hardship program that would freeze her account and potentially impact her credit score."I'm stuck between a rock and a hard place," Krause said. "I've never experienced something like this in my life. I've never been out of a job."At 74, Krause is considered high risk for COVID-19, and going back to teaching wellness classes is not an option for her.Sara Rathner, a credit card expert at the finance company Nerd Wallet, said Krause is not alone."You can look into other options to free up cash in your budget to fulfill other obligations," Rathner said. "Turn to your utility companies, your landlord, your mortgage company, see what sorts of help they can provide. Maybe by freeing up cash in that way you’ll still be able to meet the minimum payments on your credit card."And if that’s not possible, research personal loans or debt consolidation programs. But beware of scams."You can start with non-profit credit counseling that can help you come up with a debt repayment plan and debt consolidation, or even just get help reworking your budget to see if you can free up money to pay your bills," Rathner said.Krause said she’s already cost-conscious doing groceries."I'm not going to one of my favorite stores and getting my favorite treats, nothing. I mean, all that’s been cut out," Krause said.Hardship payments programs may not be for everyone, but Rathner said weigh your priorities before you knock it."In an emergency, your credit score doesn’t need to be your first priority," Rathner said. "You can get yourself into a more stable situation and then focus on rebuilding your credit from there. Right now if what you need to do is keep a roof over your head, keep the lights on, and keep food on the table, that’s your number one priority."This story was first reported by Michelle Quesada at WPTV in West Palm Beach, Florida. 2856

None of the countries that make up the G20 group of major world economies is on course to adequately reduce climate change, with 82% of the bloc's energy supply still coming from fossil fuels, a new report has warned.Of the countries, only India has set targets that would keep global temperature rise below 2 degrees Celsius, the upper limit recommended by the Paris Climate Agreement, if adopted globally.Overall, the world is heading for a 3.2-degree rise, the organization Climate Transparency said, in an analysis of the G20's current emissions-cutting targets for 2030 published Wednesday.Targets set by the worst offenders -- Russia, Saudi Arabia and Turkey -- would lead to a rise of more than 4 degrees if they were adopted worldwide, the report added.The G20 comprises representatives from Argentina, Australia, Brazil, Canada, China, the European Union, France, Germany, India, Indonesia, Italy, Japan, Mexico, Russia, Saudi Arabia, South Africa, South Korea, Turkey, the United Kingdom, and the United States.The landmark Paris Agreement, drafted in 2015, resulted in an aim to keep global warming below 1.5 degrees compared to pre-industrial levels, with 2 degrees set as an upper limit.But the report cautions that those targets are virtually impossible to reach at current rates. It follows similar warnings made last month by the Intergovernmental Panel on Climate Change (IPCC), which found that the earth will reach the crucial 1.5 degree threshold as early as 2030."The G20 economies actually need to cut their emissions by half by 2030 to keep warming below 1.5°C," said Jan Burck, senior adviser at equality NGO Germanwatch, one of the report's authors. Germanwatch is one of 14 partners that make up Climate Transparency."But instead of responding to the urgency of climate change, the G20 countries continue to pour money into factors that drive climate disruption, like fossil fuel subsidies, instead of taking stronger action," he added.G20 countries account for around 80% of the world's global greenhouse gas emissions, according to the World Resources Institute.  2104

NEW YORK (AP) - "Pharma Bro" Martin Shkreli admitted that he was "very far from blameless" in a letter to a judge asking for leniency, according to court filings. 170

NEW YORK (AP) — Mary Trump's scathing memoir about her uncle, President Donald Trump, is nearly a million seller on preorders alone. Simon & Schuster announced Thursday that Mary Trump's "Too Much and Never Enough" had sold a company record 950,000 copies as of its date of sale, earlier this week. Another anti-Trump book from Simon & Schuster, former National Security Advisor John Bolton's "The Room Where It Happened," sold nearly 800,000 copies in its first week when released last month. President Trump and his allies had tried to stop both books from coming out but have failed. 602

NOGALES, Ariz. -- Towns on the border of the United States and Mexico face a double-edged sword. International trade continues, with only small impacts from COVID-19. But these border towns are feeling a strain from the lack of visitors.“We thought 30 days, then we thought 60 days, then we thought 90 days,” Bruce Bracker said, reflecting on the past five months since a national emergency was declared over COVID-19.The town of Nogales, hugging the Mexico-Arizona border, historically sees plenty of visitors.“It was bustling to the point where if we needed to walk from one building to the other, you wouldn't walk on the sidewalk because it was too crowded,” Bracker explained. Bracker worked in the family business, a store near the border that opened in 1924. He said he worked there for about 30 years, before he said they had to close it.While the bustle has slowed over the decades, COVID-19 and non-essential travel bans halted foot traffic altogether.“Our customers are 95 percent from Mexico, so they closed the border. We can't do nothing,” business owner Frank Baek said. Baek had stopped by his store that day, even though the doors were closed to any possible customers.Very few stores on the main shopping stretch next to the border in Nogales were open.“Everybody is just kind of concerned and worried about how and when and if we’re going to move forward past this,” Tim Carter, a manager at Oasis Cinema, said.Most tourism-based communities share the same sentiment. But what makes border towns unique is that they’re also essential, thanks to international trade.“You saw a lot of people all over the country no longer go to work or work from home, in this community that didn't happen,” Jaime Chamberlain, president of Chamberlain Distributing, said. “Almost all of our citizens were deemed essential workers because you had to...the food supply chain is so important.” Chamberlain Distributing works with farmers in Mexico, importing their crops and distributing to wholesalers, retailers, and foodservice.“We market and distribute that product for them in North America,” said Chamberlain, whose business may have slowed down a bit, but it never stopped.“As the rest of the United States slowed down, Nogales kept on doing exactly what we were doing before COVID,” he said. “The efficient flow of trade is extremely important to this community.”Right now, his warehouse is pretty empty. Not because of demand, but because of the time in the season.“We've imported Mexican fruits and vegetables through here for over a century, so we feel a tremendous responsibility to our country...to have the available supply,” he said.That holds true for most border towns.“Major flows of products that are shipped or trucks and trains and cars, are still crossing and so that trade is down a little bit but not much,” said Robert Grosse, a professor of international business at Arizona State University.Grosse said we haven’t seen anything on this scale since the short downturn with the financial crisis in 2008.As trade continues, Bracker and other business owners wait for the news that the border can reopen to non-essential travel as well.“It’s going to be really interesting to see if there's a pent up demand or really what's going on,” Bracker said.“We’re 22,000 people here in Nogales, Arizona, but on a daily basis our city grows between 50,000 and 55,000 people,” Chamberlain said.And it's the people that help fuel their economy. “The majority of our sales tax comes from Mexican shoppers coming over to shop on the American side,” Chamberlain said. “All of our budget is based on sales tax, the majority of it.” 3645

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