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The night sky will come alive this weekend when a green comet streaks by Earth on the heels of the Geminid meteor shower's display of green fireballs.Comet 46P/Wirtanen began brightening in November, but it will make its closest approach to Earth on Sunday and be visible with the naked eye. The comet will come within 7 million miles of Earth -- a proximity that won't happen again for 20 years. That's 30 times the moon's distance from us.The comet should be brightest on December 16, as bright as the star in the constellation of the Little Dipper's handle, according to NASA. But even now, it's currently the brightest comet in the night sky, and the brightest of 2018. 681

The MLB Players’ Association issued its counterproposal to league owners for getting the 2020 season underway as the start of the season was disrupted due to the spread of the coronavirus.The latest proposal is for a 70-game season with players receiving a full prorated salary for those games.With most professional sports leagues coming back this summer, MLB has yet to formalize a plan for resumption.MLB Commissioner Rob Manfred said on Wednesday that a new set of proposals was forwarded to the players.The tone from Manfred on Wednesday differed from earlier in the week.“We left that meeting with a jointly developed framework that we agreed could form the basis of an agreement and subject to conversations with our respective constituents,” MLB Commissioner Rob Manfred said. “I summarized that framework numerous times in the meeting and sent Tony a written summary today. Consistent with our conversations yesterday, I am encouraging the Clubs to move forward and I trust Tony is doing the same.”But the union seemed to suggest that it was too soon for optimism.“In my discussions with Rob in Arizona we explored a potential pro rata framework, but I made clear repeatedly in that meeting and after it that there were a number of significant issues with what he proposed, in particular the number of games,” MLBPA head Tony Clark said on Thursday. “It is unequivocally false to suggest that any tentative agreement or other agreement was reached in that meeting. In fact, in conversations within the last 24 hours, Rob invited a counterproposal for more games that he would take back to the owners. We submitted that counterproposal today.”MLB said that based on an agreement between the league and players days after the league suspended Spring Training, players would only be paid a full prorated salary if games were held in front of fans. As of now, the likelihood of MLB games being played in front of fans this season appears to be low.The players union has complained that the league is attempting to play the fewest number of games possible.“The commissioner has repeatedly threatened to schedule a dramatically shortened season unless players agree to hundreds of millions in further concessions,” the MLBPA said on June 13. “Our response has been consistent that such concessions are unwarranted, would be fundamentally unfair to players, and that our sport deserves the fullest 2020 season possible.” 2430

The National Institutes of Health (NIH) is the largest clinical research hospital in the country. It’s a government run medical research agency, and about 7,000 scientists work in its research laboratories looking for new ways to improve health and save lives.Next year, more than billion in taxpayer dollars will be spent here to find treatments and cures for the biggest health issues in the country, including heart disease, cancer and Alzheimer’s.Right now, there are about 1,600 research studies in progress.Dr. Larissa Korde is part of one of those studies, working to help find the latest breakthrough in breast cancer.She says the work done at NIH has a proven track record.“Women with her2 positive breast cancer now have numerous effective therapies and tend to live longer than they did before those drugs were evaluated and came to the market,” Dr. Korde explains. “And our research has been involved all along the way.”               With each new study, doctors continue to learn more and hope the next discovery will help save more lives.   1112

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 latest data on opioid overdoses in Arizona are showing the highest number of deaths in 10 years.For many, the toughest decision is to find professional help. Thousands of recovering addicts in Southern Arizona are sharing the battle towards recovery.One of those is Robert Lyles, who remembers the moment he almost lost his life."I remember so well, the doctor and the paramedics yelling you're losing him, you're losing him," Lyles said.He said it is a moment he will never forget. Being rushed through the double doors at Northwest Hospital, he said, was the day God gave him a second chance to live."(The doctor) said, 'You had 30 days top, 45 you would have been dead for sure,'" he said.That was back in 2007, after being involved in a car crash and suffering a neck and foot injury. Lyles said his doctor prescribed Percocet and Ativan to treat the pain, the beginning of the end for him, Lyles stated. That's because one day his daily dose wasn't enough to end the pain."I'll take another Percocet, and when I did, I liked the feeling and from that point forward, I started increasing my drug intake," he added.After that, the rest of the year became a blur, he said. His life began closing down on him, divorcing his wife, and losing communication with his only son. Until a serious conversation with his doctor convinced him to seek professional help: "He told me you need to go back and listen to them and so I did," he explained.Ever since, Lyler said he has been the best student at Sierra Tucson, where he has been focusing on his recovery, and most importantly staying clean for nearly 10 years.He also wants to make sure other patients find the courage to recover. He hopes to pass along a very important message, "take care of yourself first and the world around you will change," he said. 1857