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Hurricane Sally made landfall near Gulf Shores, Alabama, Wednesday morning, bringing with it Category 2-strength winds and life-threatening storm surge.The National Hurricane Center reports that the slow-moving storm made landfall at 5:45 a.m. ET with maximum sustained wind speeds of 105 mph.In an update published less than an hour before landfall, the NHC warned that "significant flash and urban flooding" was likely into inland Alabama and central Georgia.The storm is currently projected to slowly move eastward, carving through Alabama and central Georgia before reaching South Carolina by Friday afternoon. 622

In a private Instagram group chat, confessed school shooter Nikolas Cruz repeatedly espoused racist, homophobic and anti-Semitic views and displayed an obsession with violence and guns.Wednesday, 19-year-old Cruz opened fire at the school that expelled him, Marjory Stoneman Douglas High School in Parkland, Florida. Authorities say he killed 17 with his legally purchased AR-15.CNN, investigating comments the shooter may have left on a now-deleted YouTube channel, was added to the private Instagram group by one of the active members in it. The responding group members, who appear to be younger than 18, have refused to confirm their identities to CNN on or off the record.When asked for comment or whether they knew about the private chat group, the FBI directed CNN to the Broward County Sheriff's Office.Most of the conversation in the group since Cruz joined around August 2017 is between six people -- including Cruz."I hate jews, ni*****, immigrants" 968

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

IMPERIAL BEACH, Calif. (KGTV) - The cities of Imperial Beach and Chula Vistas, and the Port of San Diego, are suing the U.S. Section of the International Boundary and Water Commission for allowing sewage to flow from Mexico's Tijuana River Valley into the U.S. 268

In advance of hurricane season, Florida Power and Light is reviewing plans to make sure power is restored quickly after a storm. This week the company is holding its annual storm drill, simulating a Category 3 hurricane. During the drill, the company says it is incorporating lessons learned from Hurricane Irma, which knocked out power to 6.7 million electrical customers, according to the U.S. Energy Information Administration (EIA).EIA reports the rate of electric service restoration following Hurricane Irma was faster than Hurricane Wilma in 2005. Five days after Irma’s landfall, the share of customers without power had fallen from a peak of 64 percent down to 18 percent -- a recovery rate of about 9 percent of customers per day.Power outages during Wilma declined from 36 percent of customers to 16 percent by the fifth day after landfall. This is an average recovery rate of about 4 percent of customers per day. FPL credits the improvement to money spent on infrastructure improvements. Since 2006, more than 860 main power lines were hardened; within the next five to seven years FPL wants to harden all of them.Strengthened power lines perform approximately 40 percent better than non-strengthened lines, FPL said.This year, FPL plans to undertake the following additional initiatives to improve the reliabilityof service: 1416