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Hundreds of museums across the country are struggling financially. Many were shut down for long periods of time during stay-at-home orders to slow the spread of the coronavirus. Some are still not ready to reopen. "We're targeting to reopen next year. Hopefully, we will sit back and recover and be able to think through and make sure everything will be safe for everybody," said Lily Birmingham, the director of the San Diego Chinese Historical Museum. Birmingham's museum, like many others, shut down in March because of shelter-in-place restrictions."We have very little funding to begin with so with the closure of the museum, we can not raise funding. We couldn't get admission funding so we had to lay off our employees. We now rely on volunteers, so it's very difficult. Funding is always difficult for museums. We're a non-profit organization," said Birmingham.Recently, The American Alliance of Museums surveyed more than 750 museums nationwide. From large to small and in urban and rural communities. What they found was that nearly one-third of them may not survive this pandemic."Back in March, I kind of speculated that it might be 25-30% of museums that would not make it through an extended financial crisis and indeed the survey did confirm our worst fears that one in three museums say there is a significant risk for having to close permanently," said Laura Lott, the President and CEO of the American Alliance of Museums. Lott says most museums make the majority of their money from ticket sales, renting their space for events and sales from their gift shops and cafes. Lott says museums have three major impacts on their communities, the first is economic."Museums contribute more to the economy than we might imagine. Nationally it's about billion that museums contribute to the national GDP across the country. They employ 750,000 people and pay billion in tax revenue at the state, federal and local level, even though most are non-profits," explained Lott.The second impact is on education, as they host numerous schools for field trips. Lott says the third impact museums have is they protect our cultural heritage. "Each museum is unique. It holds unique artifacts and stories that we’ve chosen to preserve and protect for future generations and if those museums go away, they're likely to be gone forever," said Lott.For the San Diego Chinese Historical Museum, historians have been collecting items dating back more than 100 years, preserving history of when Chinese immigrants first came to California. "There's a couple things people can do to help museums right now. People need to really contact their legislators and let them know why their museums are important to them and advocate that museums be included in any financial relief at all levels; the federal, state and local levels," said Lott."It could be monetary, of course, is the best. Volunteer hours or just show the appreciation. Show the concern and care so we know people love our museum. So, there are different ways to show the appreciation," said Birmingham. Lott says any bit of support will make a difference for many museums so they can continue to preserve history for years to come. 3202

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

In an op-ed in USA Today, White House staffer and Assistant to the President Peter Navarro denounced Dr. Anthony Fauci — the Director of the National Institute of Allergies and Infectious Diseases — as being "wrong about everything I have interacted with him on" when it comes to the coronavirus pandemic.In the column, Navarro claimed Fauci — who, until recently, was one of the most publicly available members of the coronavirus task force — did not properly warn the public about the dangers of COVID-19."When I warned in late January in a memo of a possibly deadly pandemic, the director of the National Institute of Allergy and Infectious Diseases was telling the news media not to worry," he wrote in his op-ed.Navarro claimed in the column that Fauci "fought against" President Donald Trump's decision to ban travel between the United States in China, despite ample evidence to the contrary.Finally, Navarro chastised Fauci for "flip-flopping on the use of masks."Fauci and several other government officials and agencies — including the CDC and Surgeon General Jerome Adams — initially recommended against the use of masks by the general public in the hopes of preserving a depleted national stockpile. However, Fauci has often advocated for the use of masks in public since the CDC changed its guidance in April, and has since admitted the inconsistent guidance was "was detrimental in getting the message across."Navarro's op-ed is just the latest attempt by White House officials to discredit the administration's top infectious disease expert in the middle of a pandemic. Over the weekend, reports emerged that an anonymous White House official told several news agencies that the administration was concerned about Fauci's track record on the virus.President Donald Trump has also publicly broken with Fauci on several points, including reopening schools, testing and the current outlook. On Monday, Trump maintained that he and Fauci have a "very good relationship."A New York Times poll indicates that 76% of Americans trusted Fauci to provide "accurate information" regarding COVID-19, while just 26% of Americans said the same for Trump. 2162

In an emergency, seconds count. But people living in low-income neighborhoods are waiting longer to get help.A new nationwide study released by the University of California San Francisco looked at more than 63,000 cardiac arrest cases and found, on average, it took ambulances nearly four minutes longer to get to patients in low-income neighborhoods compared to rich neighborhoods.“Ambulance response times is really, really important for health outcomes with regards to heart attacks,” says Andrew Friedson, an assistant professor of economics with the University of Colorado Denver.In fact, each minute delayed increases the odd that patient will not survive.“If you live in a wealthier area, your life expectancy is much longer than someone who lives in a poorer area,” Friedson says. “And this paper is starting to get into the mechanism as to one of the reasons this may be the case and that is ambulances tend to be a lot faster in area that are richer opposed to areas that are poorer.”Friedson, who studies economic disparities in healthcare, says one of the biggest reasons behind the difference in ambulance response times has to do with money.“You have a lot more specialty centers that are opening up in wealthier areas and you have hospitals that are closing in poorer areas, so it's not a question of the ambulances are going slower, but it's that the ambulances have further to travel.”With those hospital closures and the rising cost of health care, the authors of the study hope the report will start a conversation about what can be done to help vulnerable patients. 1593

Ice cream lovers will rejoice on April 10 as makers of the frozen dairy treat Ben & Jerry's will be offering free ice cream cones at its Scoop Shops nationwide. According to the company, this is the 40th annual "Free Cone Day" for Ben & Jerry's. The company said cones will only be limited to "the number of times you can get back in line." Ben & Jerry's also said customers can choose from various flavors. Ben & Jerry's said it normally gives away 1 million free ice cream cones every April for "Free Cone Day." "We believe in having fun, and in thanking our fans with free ice cream as each year goes by," said Ben & Jerry's CEO Jostein Solheim. "To us it's a chance to have a bit of a party, to build connections with our fans, and show them how much we appreciate them!"To find one of the hundreds of Ben & Jerry's Scoop Shops participating in Free Cone Day, click here.  938

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