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The House of Representatives successfully completed an override of a presidential veto for the first time since the Obama administration on Monday. With overwhelming majorities in both caucuses, the House issued an override of the National Defense Authorization Act.The bill needed a two-thirds majority for a successful override.The bill returns to the Senate, where it will also need a two-thirds majority to pass.The veto was President Donald Trump’s ninth since taking office. Eight previous vetoes were successfully sustained.The National Defense Authorization Act provides the Pentagon with 0 billion in funds, and authorized pay raises for members of the armed forces.Trump objected to the bill due to the Pentagon’s policy of renaming US bases that are named for confederate leaders. Trump also used the legislation as an opportunity to state his grievances on Section 230, a US code that offers legal protection for internet sites and social media companies.A number of Republicans have joined Democrats in condemning Trump for objecting to the defense funding bill.“It’s definitely been erratic at the end here,” Republican Rep. Adam Kinzinger said in a Monday interview on MSNBC. “I think he’s more focused on grievances than finishing out strong… The NDAA, veto of that makes no sense, but hopefully, we override that. Section 230, if you have a real issue with Section 230, that’s fine but the defense bill isn’t the place to deal with it. That’s through the Energy and Commerce Committee and others.”Overrides of presidential vetoes are relatively rare. President Barack Obama had just one of his 12 vetoes overridden. President George W. Bush had four of his 12 vetoes not sustained. President Bill Clinton issued 37 vetoes, only two were not sustained. President George H.W. Bush had all but one of his 44 vetoes sustained. 1850

The National Guard is attempting to rescue dozens of people who are currently trapped at a California resort as the Creek Fire continues to burn out of control in the Sierra Nevada Mountains.According to The Washington Post, about 50 hikers remain trapped at the Vermilion Valley Resort with all escape routes cut off by the fire. The hikers have been sheltering in place at the resort since Sunday night.Officials have been unable to send rescue helicopters to the area due to low visibility caused by smoke from the fire. The area has dealt with high winds and record heat in recent days, which is making things difficult for both rescuers and firefighters.However, Col. Jesse Miller of the National Guard said Tuesday that the weather was beginning to turn."Mother Nature is trying to help us out this morning with some of the smoke clearing, allowing visibility for the aircraft to pick up the landing zones and get in safely to our folks here in California," Miller said in an interview on Good Morning America on Tuesday.So far, the wildfire is confirmed to have killed one person from smoke inhalation, according to the Fresno Fire Battalion. The Fresno County Sheriff's Office reports a second person died from a medical episode when EMS could not respond due to the conditions.According to CALFIRE, the Creek Fire remains 0% contained as of Monday evening. The fire has been burning since Thursday but nearly doubled in size on Monday alone to cover nearly 80,000 acres.Col. Jesse Miller told ABC News Tuesday morning that the National Guard is also attempting to send rescue helicopters to Hidden Lakes. It's unclear how many people are trapped at Hidden Lakes.The Washington Post reports that more than 200 people were rescued from the Creek Fire over the weekend. 1783

The Olmsted Locks and Dam project, located on the Ohio River between Illinois and Kentucky, has taken 30 years and billion to complete.  But after three decades, the project is slated to be operational in October.The engineers and workers behind the development say the investment is worth it."The Ohio flows into the Mississippi 16 miles downriver from us, and then it's open passage all the way down to New Orleans and into the ocean,” explains Mick Awbreyk, the Army Corps of Engineers deputy chief for the Olmsted Division. “There is no locks and dams from the Olmsted to the ocean."He says the innovative details that went into the project are “phenomenal and truly world class.”Awbreyk will see the opening of the project, which began in 1988.So, why has it taken so long to complete?“The nature of the project; a lot of different things have led to the duration,” explains Awbreyk of the timeline. “One: it hasn't been fully funded until calendar 2013, fiscal years 2014 and that’s the nature of civil works projects."The dam crosses one of the busiest shipping lanes in the United States. Awbreyk says about 91 million tons of goods on average come through the area per year.“The equivalent of 25,000 semi-trucks worth of cargo passes through this site every year,” says Awbreyk. “You can imagine the wear and tear on the interstates and the highways that would have an extra 25,000 vehicles that will be on there per day."The project's price tag has grown to around billion. Workers here say it's money Americans will see come back to them."It’s widely important. The return on investment on this particular project is 0 million per year to the nation,” says Awbreyk. “That’s a net number, so ultimately it’s a little under a billion price tag; it will pay for itself in five years.” 1817

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 Nathan’s Famous Hot Dog Eating Contest had a different look and smaller field on Saturday. Instead of being held outside in front of thousands of screaming spectators, it was conducted inside with a limited number of officials. The field was also much smaller as travel restrictions kept some competitive eaters away from the venue.But present were the two reigning champions who have dominated the contest in recent years, and they did not disappoint.Joey Chestnut won his 14th Nathan’s Hot Dog Eating Contest in the last 15 years by consuming 75 hot dogs, marking a world record. The only competitor in the last 15 years to beat Chestnut, Matt Stonie, was among those unable to compete due to New York’s travel restrictions.Chestnut also became the first competitor to consume 1,000 hot dogs over the lifespan of the annual Fourth of July contest.Miki Sudo set a new women’s world record by consuming 48.5 hot dogs in 10 minutes on Saturday, surpassing Sonya Thomas’ marker of 45 hot dogs. Sudo, 34, won her seventh consecutive title on the women’s side. 1069