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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 original Oktoberfest can be traced back to the early 19th century in Munich, Germany.Since then, cities across the United States celebrate the festival of German heritage.WalletHub compared the 100 largest U.S. cities based on 23 indicators of Oktoberfest friendliness and fun, and chances are, you can find one of these celebrations near you. 355

The hunter becomes the hunted!In April, a nature photographer along Florida's Gulf Coast captured some incredible images of an osprey with a fresh kill, flying hundreds of feet in the air.The man who took the stunning pictures, Doc Jon, said he knew he took some great shots. But when he looked at them on his computer, they got even better.He noticed that the prey, which he thought was a fish, was in fact a small shark.Then, he saw the shark also had prey clenched in its jaws -- a small fish!It was a lucky, double payday for the osprey.  I guess you could say: a bird in the hand is worth two in the bush or a fish in the talons is worth two in the nest.The photos have been shared thousands of times since being posted.Courtesy CNN Newsource 795

The jury in the trial of James Alex Fields has reached a verdict. Fields was found guilty of first-degree murder in the death of Heather Heyer, eight counts of malicious wounding and one count of failing to stop at an accident involving a death. Fields faces a maximum sentence of life in prison.The commonwealth argued that Fields intended to harm the counterprotesters. The defense says he was in a state of panic and acted in self-defense.The panel of seven women and five men, which includes one black man and 11 white people, was sent home Thursday night after attorneys made their cases. The jury began deliberations Friday morning, and concluded in the afternoon.  689

The National Transportation Safety Board is launching a probe that will focus on how first responders handled a fatal crash of a Tesla Model S in Florida this week.Two people died Tuesday evening in Fort Lauderdale, Florida, after a gray 2014 Tesla Model S ran off the road and collided with a concrete wall. The vehicle then caught on fire, engulfing the car in flames, local police said.The NTSB said in a statement Wednesday that the investigation will "primarily focus on emergency response in relation to the electric vehicle battery fire, including fire department activities and towing operations."The driver and front seat passenger were pronounced dead at the scene. A third passenger in the back seat survived and was taken to the hospital, authorities said.Police said the car's speed was likely a factor in the incident. The NTSB did not indicate that it suspects first responders did something wrong. Nor does it indicate that something was wrong with the vehicle.Related: Elon Musk spends million of his own money on Tesla sharesNTSB chairman Robert Sumwalt said in a statement that the "NTSB has a long history of investigating emerging transportation technologies, such as lithium ion battery fires in commercial aviation, as well as a fire involving the lithium ion battery in a Chevrolet Volt.""The goal of these investigations is to understand the impact of these emerging transportation technologies when they are part of a transportation accident," Sumwalt said.Tesla said in a statement that it is "working to establish the facts of the incident and offer our full cooperation to the local authorities.""We have not yet been able to retrieve the logs from the vehicle, but everything we have seen thus far indicates a very high-speed collision and that Autopilot was not engaged," Tesla said.The NTSB also said in its statement Wednesday that it "does not, at this time, anticipate autopilot being a part of this investigation."Several crashes have occurred in the past with Tesla's Autopilot function engaged, including a fatal incident in March.The Autopilot feature is not fully autonomous. It handles some driving functions, but not all, and drivers are expected to stay engaged when the feature is activated. Tesla said after the March incident that the driver was given "several visual and one audible" cue from the vehicle to grab the wheel "earlier in the drive" before the crash.Tesla CEO Elon Musk recently lashed out at reporters who have written articles "that would lead people to believe that autonomy is less safe.""Because people might actually turn it off, and then die," Musk said during an earnings call last month. "So anyway, I'm very upset by this."Tesla has repeatedly referred to a government report from January 2017, which has been widely criticized, that found that Autopilot reduced crash rates for Tesla by 40%. 2889