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The man accused of killing eight people in a truck attack in New York on Halloween is a native of Uzbekistan who moved to the United States in 2010, sources told CNN.Sayfullo Habibullaevic Saipov bounced around parts of the US for several years, with sources telling CNN he has lived in Florida, in addition to stints in Ohio and New Jersey, where he worked as an Uber driver for the last six months, according to the company.On Tuesday, according to police, the 29-year-old drove a rented pickup truck down a busy bicycle path near the World Trade Center in Manhattan, killing eight people and injuring almost a dozen others. 634

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 individual is currently being treated and will be transported to a medical facility. There are no other injuries reported at this time. This incident is under investigation. (2/2)— U.S. Marines (@USMC) July 7, 2020 226

The NFL is placing all teams in intensive protocol starting Saturday to mitigate the risk of COVID-19 as the number of cases rises around the country.Use of masks will be mandatory at all times at team facilities, including during practice and in weight rooms. Meetings must be held either virtually or in the largest indoor space with approval by the league. Meals have to be made available for grab-and-go to avoid players and staff congregating in cafeterias. Time spent in the locker room also has to be limited.Clubs operating under the intensive protocols have reduced close contacts by more than 50% since the fifth week of the regular season, according to a memo obtained by The Associated Press that was sent from NFL Commissioner Roger Goodell to teams on Wednesday.“These sustained reductions and the resulting health and safety benefits make it appropriate to implement the intensive protocols on a mandatory, league-wide basis,” Goodell said in the memo.So far, 28 teams have entered intensive protocol at some point and 16 teams have done it more than once.“The upcoming holidays, beginning with Thanksgiving next week, will introduce new risks of exposure that we need to address now,” Goodell wrote. “Because we have a highly sophisticated program of daily testing, we know when the virus enters our facilities, which underscores the importance of contact tracing and other steps to minimize close contacts within a facility.“Recent experience has highlighted the importance of minimizing high-risk close contacts; on multiple occasions, we have seen individuals identified on that basis test positive within a short time. We have also seen many instances in which effective action by clubs to minimize these close contacts prevented the virus from spreading within the club, and avoided players or coaches being ruled out of practice or games.”The NFL said Tuesday there were 17 new confirmed positives among players and 35 among other personnel during testing from Nov. 8-14. That brought the league’s total to 95 players and 175 other personnel since Aug. 1, not counting new cases this week.“The biggest motivator I find when we talk to the clubs about this is simply that if they are not in compliance with the protocols from a mask-wearing perspective or for some reason somebody forgot their device or something like that, they’re much more likely to be identified as a high-risk close contact than they would otherwise,” said Jeff Miller, the league’s executive vice president of communications, public affairs and policy.“So when that individual coach or player is removed from the team environment for five days because their mask was down, that’s a lesson learned throughout the facility. And so I don’t think we see a lot of repeat problems as far as that goes. Not everybody’s perfect all the time. But I think the biggest enforcement piece is taking somebody out of the team environment and potentially costing them the opportunity to play in the game or to go through a week’s worth of the practice. I think that part of it is a little bit undersold. It feels like a lot when we talk to the clubs as a behavior change mechanism.”Teams not having been in the intensive protocols are the Jets, Buccaneers, Seahawks and Washington.“Well, it does shift some things,” Seattle coach Pete Carroll said. “It’s not a problem for us . ... So we’ll do whatever. ... We’re gonna follow to the letter of the law, and continue to really have an attitude that we can pull this thing off. I think the mentality of it is important as anything, because it has to carry over into all aspects, and all facets of everybody’s lives.”Asked his thoughts on the intensive protocol mandates, Broncos linebacker Alexander Johnson said: “We gotta do what we gotta do to get paid.”Eagles cornerback Avonte Maddox, who lives with teammate Dallas Goedert, said they probably won’t host family or friends for Thanksgiving to avoid further risk.“You gotta do whatever it takes to stay safe and be able to play this game,” Maddox said. “You have to be responsible at home and be ready for whatever they have planned for us.”___AP Pro Football Writer Arnie Stapleton and AP Sports Writer Tim Booth contributed. 4214

The mayor of a California town says police are investigating after video widely shared on social media shows a woman making racist remarks about a Filipino American woman who was exercising in a local park.Patrick Furey, the mayor of Torrence, California, says the city is aware of the viral video."All visitors to our open spaces should always feel safe and free to exercise while practicing social distancing without conflict," he said, according to The Los Angeles Times. "Conduct like that displayed on the video cannot be tolerated."KABC-TV in Los Angeles adds that Furey said an investigation has been opened by police.The video was originally posted by Rachel Tennell on Twitter (@rmtennell). Tennell says the video shows her friend, who she later identified as "Sherry," being accosted by a white woman as she exercised in Torrence's Wilson Park."The next time you talk to me like that, you're going to get your a** kicked by my family. They're going to f*** you up," the woman yells as Sherry stretches."Go back to whatever f***ing Asian country you belong in," the woman later said.Tennell said that Sherry no longer feels safe working out in the park because of the incident.Later on, in her Twitter thread, Tennell shared a statement by Sherry."I never imagined my story would reach so many people, and I am happy to shed some light on the work that needs to be done in this country. As a Filipino American, I believe all people of color should be treated with humanity, dignity and respect," she wrote. "I stand in solidarity with all oppressed people who face discrimination and violence just because of their ethnicity, nationality, gender, gender-nonconformity and sexual orientation."Watch the viral video below.Warning: The video includes explicit and racist language. 1794

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