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The polls are open in at least four states right now for in-person absentee voting, with more opening in the coming weeks.In Virginia, people waited in line for hours to cast their ballots in the presidential election, more than a month before Election Day. Roughly one or two locations per jurisdiction opened Friday, with others planned to open in the coming weeks.Voters told the Washington Post they wanted to turn in their absentee ballot in person this year, rather than mail it in, citing recent concerns about the postal service.In Minnesota, both President Donald Trump and his challenger former Vice President Joe Biden are visiting the state Friday as it kicks off early voting. Polling locations opened around the state to waiting voters.Voters in Wyoming and South Dakota are also able to complete absentee in-person voting beginning Friday.Vermont voters can vote early in-person beginning Monday, and Michigan and Illinois voters can vote early on September 24Several states are also getting ready to mail out ballots in the coming days.Just because ballots are cast early, does not mean they are counted early. Many states have rules that election officials cannot open absentee, or mail-in, ballots until Election Day. With the anticipated increase in this kind of early voting, there is a chance the winner of the presidential race will not be known on Election Day, November 3. 1404

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 next time you're heading down the cereal aisle at your local grocery store, you might see two new breakfast kinds of cereal from Dunkin'.The company says the cereals are based on two of its most popular coffee drinks: Caramel Macchiato and Mocha Latte."Post Dunkin’ Caramel Macchiato cereal is brought to life with crunchy cereal pieces and caramel-swirled marshmallows, creating the deliciously indulgent taste of the layered iced coffee beverage," the company said. "Post Dunkin’ Mocha Latte cereal features a hint of chocolate and latte-swirled marshmallows in honor of its namesake espresso."The coffee and donuts brand are partnering up with Post Consumer Brands, who also make Honey Bunches of Oats, Shredded Wheat, and Raisin Bran.The cereals will contain "very small amounts of caffeine, roughly a 10th of a cup of coffee, so all can indulge in the rich coffee-forward experience."“We love delighting customers with surprising new ways to enjoy the great taste of Dunkin’. For our fans who already start their days with Dunkin’, this gives them another way to experience their favorite flavors,” said Brian Gilbert, Vice President of Retail Business Development at Dunkin’ in the press release. “The Post Cereals team has done an excellent job of paying homage to the Caramel Macchiato and Mocha Latte with these new cereals. We can’t wait to see how customers enjoy them.”The cereals are set to hit grocery shelves sometime this month. 1456

The LeBron James version of “Space Jam” appears to be a whole lot brighter.In a short video clip shared by The LeBron James Family Foundation, the NBA star is seen wearing a bright blue and orange jersey and shorts with “Toon Squad” written in purple.Like Michael Jordan in the original “Space Jam” in 1996, it looks like James will be suiting up for the Toon Squad team. 379

The House recently passed a massive infrastructure and transportation bill, with .5 trillion in projects over the next five years. Included in the bill is the Hot Cars Act, which never passed in 2019. It would require all new cars to come with technology that can detect when a child is left in the backseat when the vehicle isn’t running.So far in 2020, at least seven children have died after being left in hot vehicles. On average, 39 children under the age of 15 die each year from heatstroke after being left in a vehicle, according to the National Safety Council.Wednesday also marks 12 years since Miles Harrison made that fatal mistake with his newly adopted son, Chase.“I was the guy, that was the same guy, that made fun of me. I was that guy. It could never happen to me. I’m too smart. I’m successful. My wife and I worked out a system. It’s one of the first times I’ve done it. And so, on this particular day, I was supposed to drop Chase off at day care and then go into the office,” said Harrison.Except, Harrison never got off at the exit for the day care. Instead, he went to work as usual, parked his SUV, worked all day, went to lunch and then at 5 p.m., a colleague came to him with a strange question.“They said, ‘hey do you have a doll in your car?’ And I go, ‘a doll?’ And then a sinking feeling. I run out to my SUV and I grab him out of his car seat and I’m screaming, ‘oh God no! Oh God no! Not Chase! Oh God.’”Harrison's 21-month-old Chase died of a heat stroke in his car seat.Eventually, Harrison was questioned by police.“I just said, ‘I killed my son.’ I just said, ‘I did and I didn't remember.’”He was charged with involuntary manslaughter, went to trial and was found not guilty. But Harrison says it didn't matter.“There were several times that I thought about taking my own life,” he said. “I just couldn't take it and I was so angry with myself and ashamed of what I had done.”The situation brought international consequences. Harrison and his wife had adopted Chase from a Russian orphanage. After his death and in retaliation for other political issues, Russia passed a law in Chase's Russian name banning U.S. citizens from adopting.Harrison’s story lead to an award-winning article called "Fatal Distraction" and a documentary "To the Moon and Back."Harrison and his wife channeled their pain into advocacy, pushing for the "Hot Cars Act." it would require all new vehicles to come with an alarm system that goes off if someone was in the backseat when the engine is turned off.The requirement is now part of the new transportation bill just passed by the House, but the Senate doesn't appear ready to pass it, leaving Harrison to continue on his crusade.“Children are dying in hot cars and it can be easily stopped. All you have to do is vote yes,” he said. 2809

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