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In 2020, buying or selling a home has become quite tricky. Experts in the real estate industry are seeing a new trend: purchasing homes without ever stepping foot in them. "We've found ourselves in a really, really interesting situation right now with coronavirus. And also, dealing with a super low inventory across the country," said David Lewis, a realtor in the Atlanta area. Lewis says for those who are relocating, COVID-19 wariness may prevent potential buyers from seeing a property in person. Plus, traveling can be difficult right now."A lot of times, some of them we’re videoing the home for them and some of them are just looking at the pictures and submitting blind offers and just hoping, trusting us to give them a little bit of guidance and also making sure the inspections and things are in line to offer that level of protection," said Lewis.Experts say, when buying virtually, a good home inspection is a must. "It should catch most everything. Now remember, a home inspection is a visual inspection. We’re not allowed to take siding off a house, we see trim damage then that's what we see. We can’t take a look between that wall," said Donny Williams, the Director of Business Development and Marketing for All Atlanta AmeriSpec.Overall, he doesn't recommend buying a home without going inside it first, but he and many other inspectors at his company are seeing it more often now. "I was actually surprised the number of times it actually happened. The guys could remember seven to 15 times each. Times that by 18 guys and that's a lot," said Williams.Before the pandemic, Williams says he rarely would see people purchase homes sight unseen. But as long as contracting the coronavirus is a concern, home buying virtually could be here to stay. Just know that if you are thinking of buying a home this way, there are things a realtor won't be able to fully give their opinions on, such as the neighborhood."That's something that is always largely on the purchaser. There’s several laws and regulations around what a real estate professional can share and information they can give on a neighborhood. So, a lot of times that's always up to the consumer, anyways, right, to get a good feel for the neighborhood or understand the dynamics or school or surrounding area," said Lewis.Overall, make sure before you swipe right to buy a home, meet it first, if at all possible. Having a realtor and inspector you trust is key. Though, what they won't be able to help you with is if the house feels like your home. 2535

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

Images from Niagara Falls are going viral online, showing the stark difference in how Canadian and American companies and customers are handling social distancing guidance during the pandemic.The pictures and videos being shared compare two boats, one with a lot of people onboard and one with very few people onboard. The Canadian tour boats are seen with hardly any people onboard, while the American boats have people shoulder-to-shoulder. @samatha.1617 Niagara Falls, the Canadian boat versus the American boat ##maidofthemist ##canada ##niagarafalls ##fyp? Titanic - Titanic For those not familiar with the international site along the New York-Ontario border, on the American side is a company operating boat tours called Maid of the Mist which gives its passengers blue rain ponchos and on the Canadian side is Hornblower Cruises which gives their riders red ponchos.Maid of the Mist recently posted on Twitter thanking their customers for social distancing. 977

Important update regarding early 2021 U.S. sailings. pic.twitter.com/Dra9jpXgCj— Carnival Cruise Line (@CarnivalCruise) November 18, 2020 145

If flying is one of your fears, you're not alone. One class has been helping people overcome the fear for decades, by debunking some of the concerns keeping you on the ground."The plane just dropped suddenly," one woman remembers."We actually went up in an airplane and found out afterwards we had gone up in a hurricane," another woman recalls."What really scares me is somebody blowing something up on purpose," one traveler says."I actually thought I was going to die, says another traveler."It's led to some odd routines. "I have to like touch all four sides of the door on the way in and you know with the seats," says one passenger. "And count to 100 during take off."It has almost led do some missed opportunities."I thought ok I'll just never fly again I'm old I don't care," one woman says. "But my daughter is going to college and I want to go with her."That's why these people have decided to not only share but face their fears in this Fear of Flying Clinic. Students learn it's not the fear that's the problem but the way they think about it. And once that changes so does the fear."It's not easy to do because you do have a whole set up of automatic beliefs that are causing you trouble," says one of the class instructors.That's why debunking students' biggest fears is so important."I have some very disappointing news for you all about turbulence," says commercial pilot Captain Mark Connell. "We don't care. It doesn't make much difference to us."As scary as it might feel, Captain Connell compares a plane hitting turbulence to a car hitting a pothole. He covers everything from turbulence and weather, to pilot training and preparedness."There's something helpful about that to think to yourself well he flies planes all the time and he's not scared so I probably shouldn't be scared either," says Mimi Kravetz.Kravetz has been scared of flying since she was 10."When there's turbulence on an airplane, my heart starts beating quicker. I feel really panicky. I can't focus. I can't sleep and I wanted to get out of that feeling," Kravetz says.Now she's ready to face her fear. "It'll be interesting on Monday to try and go in to see if I can replace my current set of thoughts with a set of new ones," Kravetz says.And get into the air with as much ease as the plane she's riding in.      2351