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The Kilauea volcano has spewed lava and molten rock into neighborhoods in Hawaii's Big Island for three months. Now the area faces a new threat as Hurricane Hector heads in that direction.Hector was a Category 3 storm early Sunday as it churned toward the Hawaiian Islands, an archipelago that includes the Big Island.The Hawaiian Islands were placed on alert as Hector inched toward the central Pacific with maximum sustained winds of 125 mph. 452

The police officer was patrolling a local children's hospital in Argentina when she heard the sound of a crying baby. She knew it was a call she needed to answer.Officer Celeste Jaqueline Ayala had recently became a mother herself. She could tell from the wails the infant needed food. So, she sat down on a chair outside the hospital ward -- and breastfed him.The move took Ayala's colleague by surprise. He snapped a photo and posted it on Facebook, where it has now been shared more than 100,000 times."I want to make public this great gesture of love that you displayed today with this baby," Marcos Heredia said on the post.The incidentThe incident took place at a hospital in the city of Berisso on August 14, which, coincidentally, is "National Day of the Female Officer" in Argentina.However, the photo began doing the social rounds this week.Heredia told CNN he didn't know why the hospital staff didn't feed the baby themselves.CNN reached out to the hospital and Ayala but didn't hear back.The Buenos Aires Provincial Police told CNN that Ayala spoke with hospital management before she breastfed the baby. The infant had recently been taken away from his mother, but police didn't say why.The responseBecause of her action, Ayala has now been promoted from officer to sergeant."We wanted to thank (Ayala) in person for that gesture of spontaneous love that managed to calm the baby's cry," Cristian Ritondo, the minister of security of the Buenos Aires province, tweeted. "An officer we're proud of. An officer we want."The-CNN-Wire 1552

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 Navy’s newest, most high-tech nuclear submarines use at least one piece of technology that millions of children use every day — a video game controller.According to The Virginian-Pilot in Norfolk, Virginia, the Navy is replacing traditional periscopes on its Virginia-class nuclear submarines with high resolution cameras that will be controlled with Xbox 360 controllers.According to the Virginian-Pilot, the cameras were originally designed to be controlled with a “helicopter-style” joystick. That design was quickly dropped after officials got feedback from a group of Navy junior officers.Lt. j.g. Kyle Leonard, the assistant weapons officer on the USS John Warner — one of the Virginia-class submarines based in Norfolk — told the Virginian-Pilot that many sailors found the joystick clunky to hold and hard to use.The solution? Integrate a tool that nearly every American kid uses on a daily basis.According to WRC-TV, the controllers are more than just functional. The Xbox controllers will set the Navy back about apiece, while the old system cost nearly ,000.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1180

The parents of Payton Summons, who was declared brain-dead, have been granted more time to keep their 9-year-old on a ventilator at a Fort Worth, Texas, hospital.Lawyers for Payton's family filed a new request on Monday to extend a temporary restraining order that would keep her on the machine at Cook Children's Medical Center. The order has been extended until 6 p.m. October 22, according to Justin Moore, a lawyer for Payton's family.Yet on Tuesday, the hospital filed a mandamus challenging that extension and asking for the extended temporary restraining order to be vacated."The judge's decision has put all of us in an incredibly difficult position. As a hospital made up of women and men who made it their careers to save lives, we are truly devastated for this family," a statement from Cook Children's said Wednesday."But when Payton Summons suffered brain death on September 25, she was determined to be dead under clear Texas law and the laws of every other state," the statement said. "There is no treatment that can be provided for her at Cook Children's or any other facility that will change that. To maintain a dead person on mechanical ventilation and insist -- in fact order -- that health care providers continue treating a deceased, deteriorating body is medically, ethically, and morally wrong. We will continue to support this family during this difficult time."After the mandamus was filed Tuesday, Moore tweeted that the move was "legal wrangling.""The hospital is reverting to legal wrangling for an attempt at preventing Payton's parents from looking for facilities to accept their baby girl," he wrote.A previous temporary restraining order against Cook Children's Medical Center was scheduled to expire Monday afternoon after Judge Melody Wilkinson of the 17th District Court of Texas denied a request last week to extend it."The parents want to keep on fighting," Moore told HLN's "Michaela" last week."It's probably the hardest case I've ever had to deal with in my young career," he said. "Just to see this particular situation where parents are just fighting tooth and nail and they're not gaining an inch at all, it's just heartbreaking."Payton has been on the ventilator at Cook Children's Medical Center since late September, after she went into cardiac arrest due to a large tumor in her chest.Last month, she was staying overnight with her grandmother when she suddenly woke up, "screamed for her grandmother to help her and said that she couldn't breathe ... then she collapsed," Payton's mother, Tiffany Hofstetter, told CNN affiliate KTVT in September.Payton was transported to the hospital, and doctors established a heartbeat but put her on a ventilator because she was no longer breathing.She was confirmed brain-dead after a test determined that she did not have brain activity."Brain death, by definition, is irreversible," CNN Chief Medical Correspondent Dr. Sanjay Gupta said in 2014."In the United States and most places, it is legally synonymous with death -- the same as if your heart stops," he said. "But brain death means a total loss of brain activity."Under Texas law, a person is considered dead when they have suffered an irreversible loss of all brain function, the hospital said in a statement in September, according to KTVT."Per our protocol and national pediatric medical standards, a second brain death exam was scheduled to take place by a different physician within 12 hours of the first to complete the legal process of declaring Payton deceased," the hospital said."In addition to dealing with the sudden blow of her cardiac arrest and devastating brain injury, Payton's family is also coping with the news that the arrest was caused by the growth of a very large tumor in her chest that is shutting off her circulatory system."The hospital held off on performing the second brain death examination because Payton's family filed that temporary restraining order against the facility. It was filed in order to keep her on the ventilator until they found another hospital that could take their daughter. The family's co-counsel Paul Stafford said last week that the family contacted about 25 other facilities, but there were no takers."Unfortunately, after 25 out of 28 facilities that were contacted, we had no takers. We have two maybes, and those were preconditioned on certain things which may be life-threatening to Payton if performed," he said.On Wednesday, Moore said on "Michaela" that "the facilities that we've talked to that have presented some preconditions for admittance, they have talked about a tracheostomy being performed. So with that being the case, Cook Children's would have to perform this procedure in order for these facilities to look at taking Payton, and Cook Children's has maintained that they would not perform this procedure."That remains the impediment for acceptance into other facilities," he said.Kim Brown, a spokeswoman for the hospital, said in a statement this month, "Cook Children's has been informed that we no longer have the ability to speak to media about Payton Summons. Although the family previously signed a consent form authorizing the release of information protected by the Health Insurance Portability and Accountability Act (HIPAA), we have been notified by the family's lawyer that the family has revoked their consent for us to speak about Payton's condition."Unfortunately, this means that we are no longer able to provide detailed, factual information regarding this case. We're disappointed that the family has revoked their authorization because we believe that accurate information facilitates fair, balanced and informed reporting."The-CNN-Wire 5684