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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

Newly published emails indicate that Natalia Veselnitskaya, the Russian lawyer who met with Trump campaign associates in 2016, once worked with Russia's chief legal office in an effort to thwart the Justice Department, The New York Times reported on Friday.The newspaper notes that the disclosure suggests that the lawyer had closer ties to the Kremlin than she had previously suggested.The Times reported that, according to an NBC News interview to be broadcast Friday, Veselnitskaya disclosed that she was a "source of information" for Russian Prosecutor General Yuri Chaika. 585

Nearly two months after the killing of George Floyd, protesters continue to march in cities nationwide. Many are demanding a change in how the country polices. "I think the murder of George Floyd was a watershed incident," said Sue Rahr, a 36-year law enforcement veteran. Rahr worked her way up the ranks to the sheriff of King County, home to Seattle. The final years of her career have been with the Washington State Criminal Justice Training Commission (WSCJTC), where she serves as executive director. "Because there was no way to explain it away by a rapidly-evolving situation with split-second decision making, it wasn't that. What it portrayed was just a callous disregard for a human being," said Rahr. When Rahr came to the state's centralized training academy, she brought with her a new mindset. "We talk more about looking at yourself as a guardian of the community, rather than a warrior coming in to fight a war."Rahr says recruits still learn the skills of a warrior, from firearms to defensive tactics. However, she believes this is just one piece of a complex equation."We talk about the importance of procedural justice, communication, emotional intelligence, all of those things that contribute to building trust," said Rahr. De-escalation tactics are at the forefront of training."The use of good patrol tactics to control the pace of the event increases the likelihood of a favorable outcome. It's not always going to be the case because we're dealing with human beings. But on the side of the police, what we're trying to give them is the tools, the tactics, the strategies to slow the pace down," said Sean Hendrickson, program manager for de-escalation training for the State of Washington.Early on, recruits learn that discretion is a critical part of their job.In one training exercise, a man is caught shoplifting diapers and formula. Officers learn the man has no criminal history, recently lost his job, and stole the items in a moment of despair for his newborn child. While officers were in their rights to arrest him, recruits were told to use critical thinking to find other ways within the law to proceed."Doing some of that due diligence, being able to call the manager, tell him the story, tell him what's going on. Offer some solutions and then go from there," a training officer said during the exercise. "He did break the law, and you have the legal authority to arrest him. But just because you can doesn't mean you should."But training at the academy only goes so far."Once we send them out of here, they're going to an agency that may have a different culture, which culture is deep-seated. They may have a different outlook on training," said Hendrickson.A new state law hopes to address this problem. Hendrickson is now leading the effort to teach enhanced de-escalation tactics to recruits and veteran officers statewide."The real goal is from day one of starting the academy, until the day you retire, you get one consistent message. And as far as I know, at least in this state, that has never been done before," said Hendrickson. The new law also tackles another complex layer of policing. "In my experience, 10 years ago, all of us in law enforcement, myself included, were very uncomfortable talking about race," said Rahr. With help from professors from the National Museum of African American History and Culture, the training commission is developing an extensive curriculum on the history of race and policing. It aims to educate new and veteran officers on the historical roots of how the system is structured. "If a community has a belief system based on its history, we as law enforcement need to understand what contributes to that belief system so that we can break down the barriers and build a relationship with the community," said Rahr. As efforts to de-fund the police gain momentum nationwide, Hendrickson worries training budgets will be the first to go."Police officers need more training, but that requires time and money, and probably not the message most people want to hear," he said. The state of Washington requires 720 hours of training at the academy; compare that to 1,600 hours needed to get a cosmetology license in the state."My opinion is that police officers are woefully under-trained to meet the expectation, the current expectation, of the community," said Hendrickson. But with the nation's deep wounds reopened, he's hopeful the state's new training efforts could one day help in healing."It's very early in the process, and I believe we will be successful," he said. 4563

NEW YORK — A wealthy benefactor of the disgraced leader of an upstate New York self-improvement group has been sentenced to more than six years in prison in connection with a federal sex slave case.Seagram’s liquor fortune heiress Clare Bronfman appeared in federal court Wednesday in Brooklyn, where a judge handed her an 81-month prison sentence. She was immediately taken into custody to begin her sentence. Bronfman's lawyers wanted her to get only three years of probation, but prosecutors said she deserves five years behind bars for her support of Keith Raniere.Raniere was convicted of charges last year accusing him of turning some of his followers into sex slaves branded with his initials.Raniere is known as the leader of the group NXIVM. Prosecutors say the organization operated like a cult, in which members formed a secret sorority comprised of brainwashed female “slaves” who were forced to have sex with Raniere.Long affiliated with NXIVM, Bronfman reportedly provided millions of dollars to bankroll Raniere and his program of self-improvement classes and paid for lawyers to defend the group against a lawsuit filed by critics.Last year, Bronfman admitted in a guilty plea that she harbored someone who was living in the U.S. illegally for “labor and services.” She also claimed to have committed credit card fraud on behalf of Raniere.Bronfman’s lawyers argued that she deserved leniency because she didn’t have direct involvement with the most disturbing allegations in the case, but prosecutors said she deserved severe punishment because Raniere likely couldn’t have gotten away with what he did without her. 1640

Nobel Prize-winning novelist V.S. Naipaul, who was born in Trinidad but lived most of his life in England, died in his London home Saturday, Britain's Press Association reported, citing Naipaul's wife.He was 85.In awarding him the million Nobel Prize in Literature in 2001, the Swedish Academy praised Naipaul for combining genres into his own style that compels readers "to see the presence of suppressed histories. ... In a vigilant style, (he) transforms rage into precision and allows events to speak with their own inherent irony." 547