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In an emotional gathering just one week after a gunman mowed down 14 students and three teachers at Stoneman Douglas High School, thousands of community members and students met with politicians and others for a town hall on how to make schools safer.The town hall on Wednesday night followed days of sit-ins, walkouts and demonstrations in solidarity with survivors of the massacre."Tonight people who have different points of view are going to talk about an issue that I think that we all believe and that this should never have happened and it can never happen again," Sen. Marco Rubio, a Republican, told the crowd.  633

IMPERIAL BEACH, Calif. (KGTV) — Imperial Beach is closing off traffic in front of the IB Pier in order to help businesses and restaurants utilize more space for social distancing.The city says Seacoast Drive, from Date Avenue to Elder Ave., will be closed to motorists from Saturday to Monday so that not only residents can social distance, but nearby retail stores and restaurants can get creative with spacing."With many businesses able to reopen to customers, we will see some 'out of the box' thinking from our businesses to maximize their area to increase spacial distancing," the city wrote on Facebook.RELATED:Pacific Beach's El Prez shut down for violating health ordersWhat to know: Changes at beaches, restaurants this Memorial Day weekendWith many retail stores and restaurants reopened this Memorial Day weekend, local cities expect more residents to head outdoors.While restaurants have been allowed to reopen under county guidelines, some establishments may see the county force them to close if they do not meet protocols. Friday, the county closed a Pacific Beach restaurant and bar for violating health orders.In-store retail has also been allowed to reopen with physical distancing protocols as well.Beaches will also be a focus. Currently, only walking and running are allowed on beaches — no lying down or sitting.Countywide, a mandate on wearing facial coverings in public and stay-at-home order is still in effect. 1444

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

In a string of tweets on Monday morning, President Donald Trump further denied allegations made in a New York Times report that he had not paid income taxes 10 of the past 15 years.Trump insisted on Twitter that he had paid "many millions of dollars in taxes" and that he was "entitled, like everyone else, to depreciation & tax credits."According to The New York Times, which claimed to have obtained two decades of Trump's returns, the then-real estate mogul leveraged hundreds of millions of dollars that he earned from hosting "The Apprentice" into several expensive projects that have resulted in massive losses. The Times reports that while Trump said in a 2018 public filing that he made 4.9 million in revenue, his tax records indicate he lost .4 million that year. Trump then used those losses to avoid paying income taxes, the Times reports.The Times also reported that Trump paid just 0 in income taxes in 2016 and 2017, and is "personally responsible for loans and other debts totaling 1 million, with most of it coming due within four years."Trump argues that because of his "extraordinary assets," he, in fact, is "extremely well leveraged.""I have very little debt compared to the value of assets," Trump tweeted.Prior to publishing its reports, The New York Times says Trump Organization lawyer Alan Garten claimed that “most, if not all, of the facts appear to be inaccurate.” During a press conference at the White House on Sunday, Trump called the Times report "fake news." 1516

IMPERIAL BEACH, Calif. (KGTV) - South Bay residents have an opportunity to sound off over the sewage coming up from Mexico, leading to beach closures.The U.S. section of the International Boundary and Water Commission is holding a forum on the topic Thursday. The sewage either comes from Tijuana runoff or the Punta Bandera treatment plant."I would love to surf everyday without worry," said Imperial Beach councilwoman Paloma Aguirre. "I would love for my friends to be able to take their babies to the beach, and sit on the sand and not worry about bacteria."Meanwhile, officials in Imperial Beach and Coronado are expressing new optimism. A meeting this week identified 0 million in projects that could help: funding still unclear.The meeting starts at 5:30 p.m. Thursday at the Tijuana Estuary Meeting Room, 301 Caspian Way in Imperial Beach. 859

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