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The polls are open in at least four states right now for in-person absentee voting, with more opening in the coming weeks.In Virginia, people waited in line for hours to cast their ballots in the presidential election, more than a month before Election Day. Roughly one or two locations per jurisdiction opened Friday, with others planned to open in the coming weeks.Voters told the Washington Post they wanted to turn in their absentee ballot in person this year, rather than mail it in, citing recent concerns about the postal service.In Minnesota, both President Donald Trump and his challenger former Vice President Joe Biden are visiting the state Friday as it kicks off early voting. Polling locations opened around the state to waiting voters.Voters in Wyoming and South Dakota are also able to complete absentee in-person voting beginning Friday.Vermont voters can vote early in-person beginning Monday, and Michigan and Illinois voters can vote early on September 24Several states are also getting ready to mail out ballots in the coming days.Just because ballots are cast early, does not mean they are counted early. Many states have rules that election officials cannot open absentee, or mail-in, ballots until Election Day. With the anticipated increase in this kind of early voting, there is a chance the winner of the presidential race will not be known on Election Day, November 3. 1404

The largest nutrition study in the world could change the way people eat as researchers indicate that your genes aren't the reason for your weight loss or gain.Susan Kim, 49, an Illinois mom, wife and teacher who was flat out fed up, and tired of struggling with her weight, a problem she's battled her whole life.“I was scrolling through my phone one day and I saw this study that I started reading- and I was intrigued,” Kim said.She admits she also wanted to prove a point to her husband of 20 years."He has maintained if I would only eat what he eats then my problems would be solved and there’s sugar in his food too and that’s a lie. That’s not the key,” Kim said.She signed up to be a part of The Predict Study commissioned by King’s College in London. A research team sent her everything she needed, including a box with a way to submit her blood, saliva and glucose.Researchers say the Predict study has allowed them to predict an individual's response to food.“The study showed us there’s no such thing as an average person-when it comes to food, we’re all different and unique and this is not something that food manufacturers or anyone else wants to tell you they want everyone to be the same,” Dr. Tim Spector, who is a senior researcher.Spector and his team of scientists gathered huge amounts of data, using Zoe, a data science company, and artificial intelligence to personalize nutrition.“The idea was to come up with enough information from research from very large studies around the world- and put it together in a format used in advertising and internet based procedures that would come up with algorithms that would tell an individual what the best way to eat is,” Spector said.The team worked off of probabilities, but they also have lots of new technology to use.“We can look at your gut microbes in a very detailed way,” Spector said. “We have glucose monitors that will tell you what your glucose level is. We’ve got finger prick tests people can do at home that will tell you what your blood fat is doing. We’ve got exercise monitors, sleep monitors and apps that record everything you’re doing and how you’re feeling every minute of the day.”There were identical twins in the study who had different responses to food. Hollywood actress Dame Emma Thompson also participated in the study."She has a big interest in health in general and as an actress, is always conscious of her health and her weight and wanted to find out more about nutrition,” Spector said about Thompson. “She claimed to have been on every diet under the sun and wanted to learn what the latest cutting-edge science was.”Spector says Thompson is doing well and is thoroughly enjoying what she's learning about her body. The personalized plans developed from the Predict study help you eat food that reduces inflammation. It's based off your biology, not deprivation popular fad diets.It's also not a diet or calorie restrictive plan, according to Spector.“We’re talking about every time you have French fries or too much carbohydrates or a big fatty load that stresses your blood and metabolism and if you keep getting these stresses, it builds up long term inflammation in your body,” he said. “Your body is always stressed and reacting like its infected or fighting something.”Kim has lost about 12 pounds in 5 weeks, and says that's purely by logging food, using the soon to be launched Zoe App and paying attention to how her body responds to certain foods. The at home test kit is based on tests but allows people to pay attention to their own biology.For Kim, that meant paying attention to what things caused her blood sugar to spike, and which meals are the best for her to function.“It’s personalized just for me,” Kim said. “It cuts through all of the confusion of what to eat. It’s incredibly simple, I’m never hungry or deprived (with) no emphasis on counting calories no buying packaged meals.”Researchers say they've got an explosion of data that will move dieters from the stone age to the modern world of nutrition, one that reduces a short term problem, for long term results. Zoe is accepting people for its waitlist and will be available this July.“I can stay on this for life I really feel like that,” Kim said, attesting to the smartphone app’s effectiveness. 4286

The number of mass shootings around the country in 2018 has risen above 300 so far.According to data from the Gun Violence Archive, a total of 307 mass shooting incidents have occurred as of October 27.Wednesday night's shooting, which left 13 people dead at a bar in Thousand Oaks, California, marked the 307th mass shooting incident so far this year.In 2017, the U.S. saw a total of 346 mass shootings. See statistics for other years here.There doesn't seem to be an official definition for a "mass shooting" in the United States, but according to the Gun Violence Archive, a mass shooting is described as four or more individuals being shot or killed in the same general time and location. RELATED: School shootings in U.S.: When, where each shooting has occurred in 2018The F.B.I. defines a "mass killing" as the killing of three or more people in a public place, but the federal agency also defines a "mass murderer" as someone who has killed four or more people in the same location.The Gun Violence Archive lists itself as a not-for-profit organization that documents gun violence and gun crime nationally. 1156

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 Lancaster County District Attorney’s Office announced Friday that a suspect has been arrested and charged in connection to the disappearance of an 18-year-old Amish woman in Pennsylvania.Justo Smoker was arrested on Friday by East Lampeter Township and charged with felony kidnapping and misdemeanor false imprisonment, the DA's office said in a press release. 372

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