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If you think Charleston, South Carolina, has plenty of history within its pre-Colonial grounds, just look at what's been hiding 160 miles off the city's coast for thousands of years: a giant deep-sea coral reef system. The chief scientist who helped make the discovery called it unbelievable. 300

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

House Minority Leader Nancy Pelosi says the Republican tax plan isn't all that it seems, expressing her frustration over a lack of collaboration between the two parties.Speaking with CNN's Jake Tapper on "State of the Union" Sunday morning, Pelosi said President Donald Trump and Republicans are moving too fast."If you're going to do a whole revision of the tax code, it should be done in a bipartisan way. That's the only way it will be fair, simplified, and sustainable. ... They're trying to move this in a matter of days," she said.Despite claims of tax cuts to middle class families, there are other factors in the tax plan to consider, Pelosi said. 663

If you've ever wanted to stay at a toy store, FAO Schwarz in New York City wants to make those dreams come true.According to Airbnb, on Dec. 21, a family of four from the same NYC household can spend the night in the iconic toy store for one-night-only.The lucky family will have free rein of the two-story, 20,000-square-foot store, including a private tour and a real FAO Schwarz toy soldier. 402

In a room of blue serenity, Amelia Moutin prepares for 90 minutes of what she describes as a completely unique sensation.“I think if you let yourself go, it takes about 30 minutes, and then once you kind of settle in and let your mind and body meld together, it’s such a euphoric-relaxation experience that is like none other,” Moutin described.The practice is called floating.“Technically, you lay in 10 inches of water, and 1,100 pounds of Epsom salt. And so, with the buoyancy of the salt, you float right on top of the water,” Samana Float Center owner Heather Clift said.Another term for it is sensory deprivation. The 94-degree water makes it challenging to know where your skin and the water meet creating a feeling of weightlessness. Clift says it was created by a gentleman named John C. Lilly in the early 1950s.“Sensory deprivation is where we void you of all of your senses, so with no light and no sound, there’s no smells in the float tank and there’s no real feeling,” Clift said.Moutin has been floating for a year now, and she tries to go once a month.“It’s kind of like floating in your own little ocean, but you have no fear at all. There’s no sharks, there’s no tide, there’s no possibility of drowning, so there’s literally nothing that can take away from the experience,” Moutin said.With no distractions, Moutin says she’s able to completely let go, relieving herself from the stressors of life. According to Clift, floating can help people who live with anxiety, PTSD, high blood pressure and insomnia among many other things.“It takes you from your sympathetic nervous system, which is your fight or flight, that’s what keeps you alive, and it puts you into the parasympathetic nervous system. And that is called rest and digest,” Clift said.Clift says shutting down your nervous system causes your body to drop its cortisol levels and replace it with dopamine. Dopamine is the hormone that makes our body feel happy and satisfied. It also boosts your immune system.Before the pandemic even started, Clift says the self-cleaning process of the tanks was already very effective at killing germs.“So, if there was anything that could live in 1,100 pounds of Epsom salt, the hydrogen peroxide would cling to it, it would go through the filter, and the UV light would blow it up, so it is impeccably clean," Clift said.However, in case that’s not enough, they’ve also started using ozone to clean all surfaces.“It kills SARS, coronaviruses…up to 99 percent,” Clift said.Clift says many people have made floating a priority this year because they need it now more than ever. Moutin agrees.“Ultimately as a world, we’re experiencing a traumatic event together, and trauma creates stress and issues in our tissues as we like to say,” Moutin said.Even if you don’t notice any physical health benefits, Clift says floating is a great way to relax.“I tell you to take a nap on some water for 90 minutes. How often can you do that? It’s really a special thing. Everybody should float at least once in their life,” Clift said. 3047

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