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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
No one likes to step in the "you-know-what" that dogs leave behind. Thanks to science, some Wisconsin apartment complexes are finding out exactly what dog, and what owner is responsible for those unattended piles. "It resolved issues immediately," said Ed Muisenga, the property manager at Prairie Grass Living in Pewaukee. He says they implemented the dog DNA policy from the beginning. It's built into their pet policy so when dogs move in, their cheeks are swabbed and their DNA stored in a registry through the company PooPrints Wisconsin.Then if Muisenga finds any waste that hasn't been picked up, they can send it to a lab to be tested, and eventually matched to one of the resident's dogs. "A lot of people thought it was a cool idea, I do too," he said. "It was kind of something I thought was funny in the beginning but it made a lot of sense." Diane and Frank Busateri don't live in a complex with this policy but nearby. They said most dog owners in their community are responsible. "It's kind of weird," said Diane. "I think it's unnecessary if people are willing to cooperate with each other," added Frank. If the DNA test proves an owner didn't pick up their dog's poop, the Prairie Grass Living complex imposes a fee that's between 0 and 0. But for the most part, the policy leads to more accountability, according to Anna Schloesser, the owner of PooPrints Wisconsin. She says they have 60 properties in the state using this service and most property owners have reported very little issue with waste left behind. "You have 'he said she said' and you can't figure out who did it," she said. "This is just an easy way to pinpoint where it came from and solve the problem."The company says some municipalities are even considering implementing a similar policy, so waste left behind in parks or other public places could also be tracked. 1942

NEW YORK (AP) — Walmart said in a press release that the ammunition and firearms removed from displays at U.S. stores on Thursday was returned to the sales floor on Friday.“After civil unrest earlier this week resulted in damage to several of our stores, consistent with actions we took over the summer, we asked stores to move firearms and ammunition from the sales floor to a secure location in the back of the store in an abundance of caution," the company stated in a news release. "As the current incidents have remained geographically isolated, we have made the decision to begin returning these products to the sales floor today.”Walmart said on Thursday that it had removed ammunition and firearms from displays at U.S. stores, citing "civil unrest" in some areas. The nation's largest retailer, based in Bentonville, Arkansas, sells firearms in about half of its 4,700 stores. The discounter said the items remained available for purchase by customers. Walmart made a similar move in the wake of the police killing of George Floyd that set off sometimes violent demonstrations against police brutality and injustice against Blacks. Last year, Walmart stopped selling handgun and short-barrel rifle ammunition while requesting that customers not openly carry firearms in its stores, even where state laws allow it. The company also ended the sale of handguns in Alaska, the only state where the discounter sold them. 1432
NEW YORK (AP) — As monuments, statues, and memorials around the world come under increased scrutiny, some former Most Valuable Players in Major League Baseball are saying they'd like to see a change in future MVP plaques.The trophy is engraved with the name of Kenesaw Mountain Landis in large letters. Landis was baseball's first commissioner and there were no Black players in the majors during his reign from 1920 until his death in 1944. His name has been on every American League and National League MVP plaque since then. Barry Larkin, Terry Pendleton, and Mike Schmidt say they'd like to see it pulled off. 621
Nichole Jolly just confirmed what she feared: her childhood home, where three generations made memories, was now reduced to rubble.“This is where I came back when I was born,” she said through tears. “This is where my babies came back when they were born.”Jolly and her husband, Nick, had come to terms thinking the cat that lived with her mom probably didn’t make it. Jolly said her mom was given such little notice to evacuate, so she left with only the clothes on her back.But as if on cue, a head popped up from the rubble.“Oh my god, Nick!” Jolly cried out. “That’s our cat! Oh my god.”After a few minutes, they coaxed her out of the rubble. Jolly whispered an apology to little Kit Kat, nestled in her arms. The cat was now much thinner than the last time they saw her and her paws were singed.“I can’t believe she made this! She is a strong kitty. We have a strong family,” Jolly said.“I had to walk through fire too,” she said in Kit Kat’s ear.Jolly did, in fact, walk through fire. In fact, she barely escaped.It was last Thursday when the rapidly-moving fire was spreading through the town of Paradise—now 90 percent destroyed--where Jolly works as a nurse. She helped evacuate the surgical unit patients, putting them in any cars they could find, as gently as possible.And for that, she’s been dubbed a hero. However, Jolly thinks that saving her own life soon after was the real miracle.Jolly was in her car trying to escape, when the inferno suddenly surrounded her and many others on the same road.“I don’t even know where I am, it’s on fire,” Jolly said in a video she took from her car. “And we’re stuck in the middle of it. These trees could come down at any moment.”Cars were lined up and going nowhere.“I thought I was gonna be able to get out this way, but I’m stuck here, too,” she can be heard saying through tears in that same video.“We were screaming and running into each other with our cars. They pushed me off the road.”On Tuesday evening, she returned to that very spot for the first time since she almost lost her life.“I was all by myself. I was totally alone, and I called Nick and I said, ‘Honey, there’s flames all around me, and I’m gonna die. There’s no way I can make it out of this.’”Her husband had even begun to think about how he would tell their children their mom wasn’t coming home.“She was hysterical,” her husband Nick said, recalling their phone call. “And I couldn’t do anything to help her.”He suggested she get out and run. So, she did. Her shoes began to melt, and her clothes caught fire.“And I just had my arms out and I’m running, and I touched a firetruck.”She got inside it, but traffic was still at a standstill. Even the firefighters thought their chances for survival were grim.“I was sitting in the fire truck right here and just thinking, ‘OK, this is going to be a really painful death.’”But a bulldozer suddenly appeared, pushing the melting vehicles off the road.They made it out. But she hasn’t stopped reliving it. “I’ll never forget my screaming in the car, when the fire was just coming up on the side of it, and I was yelling for my husband ‘Oh my God, oh my God.’ I’ll never forget that. That’s what I wake up to every night.”But she takes comfort in knowing they, unlike some, still have each other.And they have Kit Kat. Tuesday evening, they brought her to her mom while she was at work to surprise her.“We found your freaking cat, mom,” Nichole shouted.Stunned, her mother could hardly find words.“Oh my god, you guys. I can’t believe this…. I thought she was gone!”Still alive. But now with eight lives left to spare. 3610
来源:资阳报