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If you like hard seltzer and pumpkin, then you're in luck!VIVE, which is made by Braxton Brewing Company, said they are launching a pumpkin spice-flavored hard seltzer, and just in time for fall."We're celebrating the upcoming change of seasons with a limited release of a refreshing twist on your favorite fall flavor," the company announced on Twitter. 362

I'm disappointed to confirm that we are canceling large public events through February 28, 2021 due to the public health crisis.This was not an easy decision to make. The health and safety of residents, workers, and visitors must be our top priority.— Jim #MaskUpPHL Kenney (@PhillyMayor) July 14, 2020 310

In a heartbreaking Facebook post, a Maryland animal shelter announced they found a puppy with its ears cut off tied to a tree in Baltimore. BARCS say they got a call saying someone had found two dogs tied to a tree and several other puppies in an empty lot. When the officer arrived, they found one of the puppies was bleeding from the head and the other puppies were for sale. The puppies were immediately taken to BARCS where they were seen by a vet. They named the injured dog Claude and determined that his ears were removed using poor instruments, like household objects, leaving him with tissue damage, pain, and infection. Claude is only 10 weeks old and BARCS says he is trying to do normal puppy things, but cannot because of the pain. He received emergency surgery but the veterinarians had to remove untreated infected tissue, so he lost even more of his ear structure. BARCS is now asking for money so they can continue to help Claude so he can find a loving home and recover. You can donate by clicking here, but make sure your gift is dedicated to him by including his name in the additional comments section of the donation form.  1198

In an interview with Axios, which aired Monday night, President Donald Trump said he again believes that his administration has the coronavirus pandemic "under control," despite the fact that deaths linked to the virus are currently on the rise throughout the country.When Axios reporter Jonathan Swan pointed out to Trump that deaths are on the rise, Trump said it's as "under control as much as you can control it.""(Americans) are dying, that's true, and it is what it is," Trump said. "But that doesn't mean we aren't doing everything we can. It's under control, as much as you can control it. This is a horrible plague that beset us."Trump also reiterated the false claim that virus cases are on the rise in the U.S. solely because the country is doing more testing than any other country."Because we're so much better at testing that any other country in the world, we show more cases," Trump said.While the U.S. is conducting more tests than any other country, other statistics, like hospitalizations linked to the virus and deaths linked to the virus, are currently on the rise. In addition, Johns Hopkins reports that 7.7 percent of all COVID-19 tests in the U.S. are coming back positive — in South Korea, the positive test rate currently sits at 0.9 percent.Trump also attempted to prove through statistics that the United States' mortality rate was among the best in the world. He handed Swan a piece of paper that showed the U.S. mortality rate was falling among a proportion of confirmed cases.Swan then pointed out that the United States ranked among the worst in the world when viewing COVID-19 deaths as a proportion of the population."You can't do that," Trump said.Trump also stated in the interview that some experts have said that "you can test too much." When asked who was saying that, Trump told Swan to "read the manuals, read the books."None of Trump's top health experts have publicly advocated for less testing. Earlier this year, Dr. Anthony Fauci and several other coronavirus task force members said during a House hearing that they had not been directed to "slow down" testing, and said it was the administration's goal to conduct more testing.During that same interview, Trump also told Swan that he "wasn't sure" how history would view the legacy of Rep. John Lewis. 2308

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