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The one flown at Talladega said “Defund NASCAR.” Here’s a video from Bristol’s Earnhardt Terrace. pic.twitter.com/Me4QlHVUld— Alex Andrejev (@AndrejevAlex) July 15, 2020 177

The killing of the Saudi journalist Jamal Khashoggi in Saudi Arabia's Istanbul consulate was premeditated, the country's attorney general said Thursday.According to the statement posted by the Saudi state news agency, the latest evolution in the official version of events surrounding Khashoggi's death came after new information was received from Turkish investigators."The public prosecution received information from the Turkish side through the Joint Working Group between the Kingdom of Saudi Arabia and the Turkish Republic, indicating that the suspects in Khashoggi's case premeditated their crime," Attorney General Shaikh Suood bin Abdullah Al Mo'jab said."The public prosecution continues its investigations with the accused in accordance with the latest investigation results to reach the facts, God willing, and complete the course of justice."The development comes as CIA director Gina Haspel is set to brief US President Donald Trump on the investigation into Khashoggi's death.Haspel traveled to Turkey on Monday, apparently to assess information the Turks have collected on Khashoggi's killing inside the Saudi Consulate in Istanbul. The Washington Post reported Wednesday that Haspel listened to audio purportedly of his interrogation and murder while she was in Turkey. Trump also said the US has sent officials to Saudi Arabia to get more information on the killing, which has spiraled into a crisis.Turkish investigators continue to hunt for clues to the whereabouts of Khashoggi's body.  1521

The New England Journal of Medicine is one of the most popular medical journals in the world, where researchers go to share trials and information on data and science. But on Wednesday, the journal entered the world of politics.In an unusual and highly unprecedented fashion, the New England Journal of Medicine wrote a scathing rebuke of US leaders’ response to the coronavirus pandemic. While not formally offering any sort of endorsement, the journal referenced the upcoming election in its editorial. The piece did not name President Donald Trump or opponent Joe Biden by name.“Anyone else who recklessly squandered lives and money in this way would be suffering legal consequences,” the journal wrote. “Our leaders have largely claimed immunity for their actions. But this election gives us the power to render judgment. Reasonable people will certainly disagree about the many political positions taken by candidates. But truth is neither liberal nor conservative. When it comes to the response to the largest public health crisis of our time, our current political leaders have demonstrated that they are dangerously incompetent."The editorial, titled “Dying in a Leadership Vacuum,” comes just 27 days before the US election. While much of the world has been able to keep coronavirus deaths to a minimum in recent months, the US still has one of the highest death rates in the world from the virus related to the coronavirus.The United States continues to average 800 deaths per day from the coronavirus, according to Johns Hopkins University data. Only India has been averaging more deaths per day than the US in recent weeks, and India’s population is nearly quadruple America’s population.While many European nations saw a reprieve from the despair of the coronavirus over the summer, counties such as France and the United Kingdom are seeing cases jump in recent weeks, although their death counts still pale in comparison to the United States.The New England Journal of Medicine said that the US had every advantage going into the pandemic to combat the disease.“The United States came into this crisis with enormous advantages,” the journal’s editors wrote. “Along with tremendous manufacturing capacity, we have a biomedical research system that is the envy of the world. We have enormous expertise in public health, health policy, and basic biology and have consistently been able to turn that expertise into new therapies and preventive measures. And much of that national expertise resides in government institutions. Yet our leaders have largely chosen to ignore and even denigrate experts.”To read the full editorial, click here. 2657

The lines are long, the anxiety is high. Election 2020 looks and feels a lot different, doesn’t it?The influx of ads all over your TV, the outpouring of robotexts to your phone—the candidates, going back and forth.Deep breaths, everyone. Election 2020 is technically almost over.According to the American Psychological Association’s latest survey, nearly 70% of adults said the election is a significant source of stress.Compare that to the 2016 election, when 52% of adults said they were that stressed.And voters aren’t just stressed about their candidate winning or losing—there’s also so much confusion about filling out your ballot correctly or possible unrest after the results.Dr. Francoise Adan is a psychiatrist at University Hospitals Connor Integrative Health Network. She said election anxiety is especially tough right now because it’s coupled with pandemic stress, racial unrest, and personal losses in 2020.Mental health experts are preparing for an influx of calls in the days after the election, just as they did in 2016.“I saw a lot of people who were disappointed and sad and angry,” Adan said. “And of course, we also saw a lot of people who rejoiced and celebrated—but those are not the people who are going to ask for help.”Adan said feelings of sadness, disappointment, grief, fear and even mourning if your candidate loses are normal.But for some people, those feelings are going to be really profound and interfere with daily activities—and that’s when Adan said it’s important to seek professional help for your mental health.For others, Adan said, self-care is key—yes, you’ve heard that over and over again, but that’s because it works.“And you need to find the one that works for you. It could be exercising, meditation, breathing techniques. Gratitude is one of my favorites,” she said.The doctor also recommends a heavy dose of compassion, no matter the results.“Not only compassion for others and understanding that yes, some people are winners and some people are going to lose—but at the end of the day, we are all in this together. And not only have compassion for others but compassion for ourselves,” Adan said.Voters we spoke to said no matter the outcome they’ll take it all in stride.“What am I going to do if my candidate loses? I’m going to support whoever is there,” said voter Caroline Rogers. “I’m going to believe and hope that this person that we end up electing, whether it be somebody I voted for or not, that they’re going to do what’s best for the country as a whole.”“Accept the outcome,” a voter named Genesis said. “It’s one America, regardless of who you vote for. You accept the results and you follow that person.”Looking at historical perspective is always helpful, Adan said. Americans have been through worse — and made it out stronger.“Eventually we will look at this and say ‘Whew, we made it, and we are better for it.'"This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 2961

The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211

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