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If you're planning on voting with an absentee or mail-in ballot, chances are you feel pretty protected from COVID-19 while voting this year. But what if you're voting in-person? Experts weigh in on staying safe when heading to your polling place. The first piece of advice is to have a plan."The example I would give would be going to the grocery store. That's something that caused people a lot of anxiety when we first were dealing with the pandemic back in March, and I think for many of us, it’s becoming relatively routine. It's not how we shopped for groceries back in January but it's something that we’ve learned to do. I think voting can be the same," said Dr. Jay Varkey, an infectious disease doctor and Associate Professor at Emory University.Dr. Varkey says to know the COVID-19 transmission rates in your community, as well as your own personal risk, if you were to become infected with COVID-19."To give some specific examples, masking is absolute, and I would want to make sure that there is a universal mask mandate in place and not just those that are going to cast their votes but workers as well," said Dr. Varkey.Dr. Varkey says wearing a mask that has at least two layers and wearing it properly is key. Also, ensure your polling place allows you to socially distance from other voters. Dr. Varkey says standing more than 6 feet away from others is preferred. Also, it’s great if your polling place is keeping doors and windows open to increase airflow."The other thing, and I know this is hard to do, the more we can actually limit the amount of talking, or certainly yelling or singing or anything else going on, is the more we can reduce our chances of passing these infectious droplets that can aerosolize, and that tends to really occur when people are talking. Masks reduce that risk, but we can really reduce it more by, well, talking less," says Dr. Varkey.In Madison, Wisconsin, poll workers will be ensuring voters are socially-distanced and frequently disinfecting all voting booths, pens and other frequently touched items. City Clerk Maribeth Witzel-Behl has been working closely with their local health department."We will have plexiglass glass set up for stations where poll workers have to interact with voters within 6 feet of each other, and for other poll workers who are not at those stations, they’ll have access to face shields if they like," said Witzel-Behl.Poll workers are also being told to follow a strict set of health guidelines in order to volunteer."If they've had a fever within the last few days or taken a fever-reducing medication in the past few days, they can’t work at the poll. If they've had any COVID-19 symptoms or been exposed to someone with COVID-19 or had a cough within the past week they can’t work at the polls," said Witzel-Behl.So, do you need to bring a container of disinfecting wipes with you to the polls?"I put the priority first on the masks and keeping your distance but that last part on how to take a relatively safe activity, like voting and make it extra safe, there’s two things I would bring with me into the voting booth. One is my own pen the other is hand sanitizer," said Dr. Varkey. 3182

If we're sick, we don't think twice about seeing a doctor. Health experts say we need to start looking at obesity the same way. One woman has turned her life around. And as she's lost weight, she's gained so much more."We're grazers," Marcie Weiler recalls. "I was brought up just (hands to mouth motion) mindlessly. Totally mindlessly just pop it in."That's how Weiler grew up thinking about food. And after a few serious injuries?"My coping mechanism was soda pop and food of course," Weiler says.At her heaviest, she weighed 300 pounds."I just thought, 'Oh my God, I'm going to keep getting bigger,'" Weiler saysShe's not alone. Obesity rates in the United States are at all time high. 40 percent of all Americans are considered obese and 20 percent morbidly obese."It affects cardiovascular health," says Dr. John Weaver, a general and bariatric surgeon with Presbyterian / St. Luke's Medical Center. "It affects you know pulmonary health and diabetes it affects joint pain and problems."Dr. Weaver says the effects can be serious, and potentially deadly. A new study found improvements in mortality rates are slowing, obesity is the main cause, and many people look the other way."Only 20 to 30 percent of people who are obese had even talked to their doctor about their obesity," Dr. Weaver says. "And the problems that go along with being obese."Dr. Weaver says it is possible to be overweight and healthy, but your body mass index can let you know for sure. And once you've figured that out, beating obesity isn't just about cutting calories and working out. There's a new understanding that the biggest challenge, is revamping your lifestyle."It's an entire body change," Dr. Weaver says. "It's not just an eating habit it's changing your eating habits but it's changing how you perceive food. And everything that goes along with food."That's what Weiler has done. Along with bariatric surgery, she has lost more than 100 pounds. But that's not the only thing that's changed."My general opinion of myself," Weiler says.Reversing a trend, for a healthier and potentially longer life. 2099

IMPERIAL BEACH, Calif. (KGTV) — Two men were charged with assaulting two border patrol agents in separate incidents in the Imperial Beach area this week.Both incidents occurred Thursday night, according to the U.S. Attorney of Southern District of California.In the first incident, Imperial Beach Border Patrol says an agent encountered a five individuals at about 9:30 p.m., one of them identified as Frazy Jiron, a Honduran national. The agent ordered the group not to move, but Jiron stood up, according to officials.RELATED: Convicted murderer caught crossing border with migrants near San Ysidro Port of EntryWhen the agent tried to handcuff Jiron, the Honduran national appeared to say something to the others, causing them to also stand and begin to flee, according to border officials. Jiron elbowed the agent in the chest, the agent said, and a struggle ensued, causing both men to fall down a hill.Jiron was later arrested and admitted to being in the U.S. illegally.In the second incident, another border agent in Imperial Beach encountered a man at about 10:45 p.m., identified as Franklin Ariel Rochac-Garcia, border officials said. Rochac-Garcia was reportedly running toward the agent and refused the agent's requests to stop. Rochac-Garcia reportedly tried to punch the agent as he approached, but missed and the agent brought Rochac-Garcia to the ground.RELATED: Mexico's new president could change border policyRochac-Garcia got back up and began running south toward the border, officials say. He attempted to jump over the border fence but the border agent was able to detain him before he made it over.Rochac-Garcia, an El Salvadoran national, was arrested and admitted to being in the U.S. illegally, according to border officials.Both men are being charged with assault on a federal officer and illegal entry. 1840

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

Hurricane Willa is nearing the Pacific coast of Mexico as a potentially catastrophic Category 5 storm, after experiencing what the National Hurricane Center called "explosive" strengthening over the past 48 hours.Willa's maximum sustained winds, as of Monday morning, were 160 mph, making it a top-of-the-scale hurricane. Its current intensity is slightly more than Hurricane Michael's when it made landfall in Florida's Panhandle less than two weeks ago.The storm has supercharged at an incredible rate since it formed over the weekend. From Sunday morning to Monday morning, Hurricane Willa strengthened 80 mph in only 24 hours, and went from forming into a tropical storm on Saturday morning to a Category 5 in less than 48 hours.The official forecast from the National Hurricane Center calls for Willa to weaken some before landfall, but the storm is still expected to be a major hurricane, likely still a high-end Category 4, when it makes landfall on Tuesday afternoon. 983