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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
NEW ORLEANS (AP) — New Orleans police say 11 people were shot in an early morning shooting on the edge of the city’s famed French Quarter.A police release says two people are in critical condition and no arrests have been made. Police Supt. Shaun Ferguson tells The New Orleans Advocate/The Times-Picayune that a person of interest has been detained.Police say 10 people were taken to two hospitals and another walked in. Further details haven’t been released.RELATED: Mass shootings in the United States: When, where they have occurred in 2019The shooting took place on a busy commercial block of Canal Street that has streetcar tracks and is near many hotels. Ferguson says police quickly responded to the scene as patrols were heightened for this weekend’s Bayou Classic, the annual Thanksgiving weekend rivalry football game between Grambling State and Southern University at the Mercedes-Benz Superdome. 916

NEW YORK (AP) — Health experts are hoping Joe Biden’s administration will put in place something Donald Trump has not — a comprehensive national testing strategy. They say such a strategy could systematically check more people for infections and spot surges before they take off. The health experts say it would be an improvement from the current practice. Some experts say the lack of such a system is one reason for the current national explosion in cases, hospitalizations and deaths. There are differing opinions on what a national testing strategy should look like. But many experts say rapid and at-home tests should be used so Americans can check themselves and stay away from others if they test positive. 721
New research suggests the CDC’s eviction moratorium has helped reduce the spread of COVID by a considerable amount.One of the main ways state and local governments have tried to curb the growth in coronavirus cases have been through stay-at-home orders, but remaining at home can be close to impossible for the tens of thousands of Americans that have been evicted during the pandemic.“We start to see cases and deaths increase at significant levels about 7 to 10 weeks after the eviction moratorium lifts,” said Kathryn Leifheit, lead researcher of the study conducted at UCLA.The study is awaiting peer review, but it suggests that more than 10,000 COVID-19 deaths and 430,000 COVID-19 cases can be attributed to evictions that took place in 27 states across the country before the federal government enacted its eviction moratorium in September.“We had this hypothesis that evictions might lead people to move into households with their friends or family, or in a worst-case scenario move into homeless shelters,” said Leifheit.The study found the biggest number of cases happened in southern states where eviction moratoriums were lifted sooner. That includes Alabama, Louisiana, Mississippi, and South Carolina, which all saw at least 20,000 additional COVID cases and 600 deaths thought to be tied to evictions. The biggest jump, though, came in Texas where there were 148,000 additional COVID cases and more than 4,400 deaths.“In general, the folks that get evicted tend to be lower-income and people of color,” said Leifheit. “As we know, those are the people that are really bearing the brunt of the COVID pandemic.”If the recent 0 billion stimulus bill passed by Congress does not extend it, the CDC’s eviction moratorium will expire on Jan. 1.With the way the numbers and weather are trending now, Leifheit fears a confluence of events that could lead to massive growth in cases.“Transmission rates are soaring right now,” she said. “To take away housing, which may be a pretty fundamental protection people have against COVID right now, could be catastrophic.” 2083
NEW ORLEANS (AP) — Louisiana is suing the state of California over its decision to ban the import and sale of alligator products, saying the ban will hurt an important Louisiana industry and ultimately could hurt the state’s wetlands.In a lawsuit filed Thursday, Louisiana said the economy surrounding alligators has played a key role in bringing back the American alligator population and is an important factor in protecting wetlands and other species besides alligators that depend on the wetlands.“California has nevertheless attempted to destroy the market for American alligator products notwithstanding the fact that no such alligators live in California,” the lawsuit says.According to The Times-Picayune/the New Orleans Advocate, California banned alligator skins and meats in the 1970s but repeatedly issued exceptions that allowed sales. The newspaper reports that the most recent exemption expires on Jan. 1 of next year, and this time California’s legislature did not pass another exemption. The newspaper reports the alligator ban was backed by a coalition of animal rights and environmental groups.Louisiana said in its lawsuit that because most of the state’s coastal habitat is privately owned, the state does not have direct control over how it is managed. But the alligator industry provides economic incentives for landowners to take steps to protect marshlands that serve as habitat for the alligators.The state argues that if California’s ban goes into effect, “landowners will be forced to greatly reduce or cease their erosion control efforts because they will be unable to economically sustain those efforts, resulting in irreparable harm to their property as well as harm to Louisiana’s sovereign environmental interests in wetland preservation.”According to the lawsuit, California’s large economy often means that their product standards become de facto national standards so California’s alligator ban will have effects in other states. Louisiana says the upcoming ban is already having effects up and down the supply chain with the price of alligator hides decreasing, and alligator farmers reducing their investments.According to Louisiana Wildlife & Fisheries, over 300,000 alligators are harvested every year from both farm and wild sources. 2282
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