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The only thing that scares salon owner Shelly Albro more than the empty chairs inside her Portsmouth, New Hampshire barbershop is the silence that has consumed this place recently.Having lost 30 percent of her business because of COVID-19, Albro found herself in the same position as thousands of other small business owners across the country, desperate for new streams of revenue, while at the same time, having to keep her customers and staff safe.“I just knew that if I didn’t get creative we weren’t going to make any money,” she said. “Business was down.”Albro owns Gents Barbershop, which she recently opened.On a particularly depressing day during the shutdown, she had been searching through old photos when she stumbled upon an old black and white picture from the 1918 Spanish Flu pandemic. A few barbers stood wearing masks as they cut clients' hair, but instead of cutting hair inside a building, the barbers were standing out on the sidewalk in front of their store.She had found her solution.“When I saw this picture I was like, ‘I gotta do this outside!’ For those who are like me who are nervous to go inside,” she said.Unsure of how the idea would go over with customers, Albro first started cutting hair outside on her days off. Her schedule quickly booked up, as this upbeat stylist with a slight New England accent realized she’d struck a chord with her customers who were still too nervous to get their haircut inside a barbershop during COVID-19.And for Albro, who suffers from an autoimmune disease herself, the whole thing is personal.“There are a lot of people who have anxiety about coming inside a building. It doesn’t matter how much we clean or sanitize; they’re feeling anxious about coming inside,” she said. “Because I’m high risk, I get why people are reluctant.”Gents Barbershop isn't alone in moving hair cutting services outside. Back in July, California moved all salons outdoors to deal with a sudden spike in cases.Beth Milito with the National Federation of Independent Businesses is telling small business owners to follow Albro’s lead.“It’s been much more challenging than people anticipated back in March,” Milito explained.As small business owners continue to navigate an economic recession, Milito says that creativity and ingenuity are keys to a successful rebound, especially when more than 100,000 small businesses have already closed since March.“Looking at this as a long-term investment, something you can see into the future,” she added.As for Albro, she knows that like a good haircut this trend may fade away, but for now, she’s just trying to make a much deeper impression.“I just want to help,” she said. 2669

The investigation into social media misconduct in the United State Marine Corps. has resulted in at least 55 Marines being punished, including seven courts-martial.USMC said Friday the cases stemming from a massive scandal into online misconduct "proved to be a symptom of a larger problem of bias and exclusion."The 55 Marines punished include seven special and summary courts-martial, six administrative separations, 15 non-judicial punishments, and 27 adverse administrative actions. At least 123 individuals have been investigated for incidents of misconduct involving the non-consensual distribution of explicit images, according to officials. Of those cases, 22 were of civilians outside Department of Defense jurisdiction and 101 were active-duty or reserve Marines.USMC said 82 cases concerning active-duty or reserve Marines have been ruled on while 19 await a decision.The Marine's investigation of the "Marines United" Facebook page prompted a full-scale look into misconduct across social media. Naval Criminal Investigative Service scanned nearly 131,000 images across 168 social media sites.Last year, nude photographs of female Marines and veterans from various military branches and other women were shared on the "Marines United" page. The accompanying posts were found to include obscene and threatening comments and showed women in various stages of undress. Some women were identified and others were not. The site was touted as being for men only. 1536

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

The man authorities believe is the Golden State Killer will face yet another murder charge, authorities said Monday.Joseph DeAngelo, 72, will be charged with the 1975 murder of Claude Snelling, with a special allegation of the use of a firearm, according to Stuart Anderson, spokesman for the Tulare County, California, district attorney's office.DeAngelo has already been charged in 12 killings, including the 1978 deaths of Katie and Brian Maggiore. Police say he committed a series of killings, rapes and other crimes attributed to the so-called Golden State Killer, also known as the East Area Rapist and the Original Night Stalker.The Visalia Police Department and officials with the district attorney's office will hold a news conference Monday to give details about the latest charge.Claude Snelling was shot and killed in September of 1975 as he charged at a masked man who was trying to abduct his daughter from his home, according to the Visalia Times Delta.Authorities said the Maggiores were killed after possibly spotting the Golden State Killer as they walked their dog near a home in Rancho Cordova, California, outside Sacramento. The complaint alleges that DeAngelo shot the couple using an "unknown caliber firearm."DeAngelo appeared in court in late April in a wheelchair, but didn't enter a plea to the charges of murdering the Maggiores.Decades after the killings terrified communities throughout California, authorities tracked down DeAngelo using data from an ancestry website where people submit their DNA results in hopes of tracking down relatives and ancestors.DNA from a crime scene was matched to genetic material from a relative who was registered on genealogy sites, and authorities later obtained a discarded sample of DeAngelo's DNA.DeAngelo, a former police officer, Vietnam veteran and mechanic, was a reclusive neighbor in Citrus Heights, a town about 16 miles northeast of Sacramento, according to residents. 1953

The most active volcano on Earth has captured our fascination again. Not to mention our fear and respect: 1,700 people had to flee their homes as lava broke the surface near their community Thursday and Friday.The activity appears to be continuing into the weekend, with strong earthquakes of up to a highly unusual preliminary magnitude of 6.9, more ground cracks opening, and new vents opening within residential areas.Kilauea volcano, on the Big Island of Hawaii, has been erupting continually along its East Rift Zone since 1983. Most of the time, the lava flows south toward the ocean, threatening nobody. But occasionally it goes in a different direction.This is what happened this time. And luckily, no one was hurt, authorities say. 748

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