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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 an industry like cosmetology, where all services revolve around hair, skin and nails, getting up close and personal to people is a big part of the job.For those looking to make a career in the beauty business, the pandemic is taking a toll. “I had 84 students pre-COVID,” said Donna Kramer, executive director at Empire Beauty School. “I have 72 right now.”Kramer says COVID-19 initially caused the campus to close.It’s recently reopened with new restrictions set by the local health department. Class sizes are smaller, fewer clients can come in due to social distancing and all students have to wear masks.The area that’s taken the biggest hit, however, is attendance.“It’s kind of toying with people’s personal lives,” Kramer said. “We’ve had students that have had to miss a lot of school because of daycare issues. We’ve had students that have had to actually stay away temporarily because their spouses.”According to the U.S. Bureau of Labor Statistics, employment of hairstylists and cosmetologists is projected to drop by 1% by the end of the decade, which is leaving many students concerned that their career opportunities might be going down the drain.“I know a lot of students kind of have that fear of not being able to find a job now with COVID,” said Alexis Lovato, a cosmetology student at Empire Beauty School.Lovato says many of her classmates are concerned about their employment options once their training is complete.“I think a lot of its just worried about being placed and what’s going to be available for them after their graduation,” she said.Kramer says despite the challenges, students are still getting their hours in and while hands-on training may be a little different, it’s a style they can adapt to.“This industry is going to really flourish once we can get through this,” she said. 1826

Hurricane Hunters have been flying in and out of Hurricane Delta continuously for days, getting a close-up look as the hurricane has re- intensified.Delta regained some of its previous fury. The hurricane, which was once a Category 4 before striking Mexico, dropped to a Category 1 on Wednesday. As the storm is set to strike the Louisiana coast on Friday, Delta has re-intensified into a Category 3 hurricane with top winds of 115 mph.As of Thursday evening, the hunters found that Delta had a 30-mile wide eye. Getting such detailed data from inside the hurricane can give forecasters a sense of the impact a hurricane will produce.There are two Air Force Reserve groups that fly into hurricanes to send back data to the National Hurricane Center.In total, the Air Force Reserve utilizes 20 WC-130J aircraft that are equipped with palletized meteorological data-gathering instruments.According to the Hurricane Hunters, “The navigator keeps track of the aircraft's position and movement and monitors radar to avoid tornadic activity. The flight meteorologist acts as flight director and observes and records meteorological data at flight level using a computer that encodes weather data every 30 seconds. The weather reconnaissance loadmaster collects and records vertical meteorological data using a parachute-borne sensor known as a dropsonde. It measures and encodes weather data down to the ocean surface.”The following videos were provided by Jemery DeHart on board one of the flights passing through the hurricane: 1530

In an interview this week, Donald Trump Jr. said he is waiting for “due process” in the case against a teenager accused of shooting three demonstrators in Kenosha, Wisconsin, killing two, and seemed to refer to being at the protests and the shootings as “stupid things.”The president’s son was talking to ExtraTV about his book, “Liberal Privilege: Joe Biden and the Democrats Defense of the Indefensible.”The show’s host, Rachel Lindsay, asked Trump about the Black Lives Matter movement, as racial tensions and violence at some demonstrations are brought up at President Trump and Former Vice President Joe Biden’s campaign events.After initial questions about what Trump Jr. thought of the movement, Lindsay asked, “The phrase 'Black Lives Matter…' do you understand what that means and what the fight is for it?"“Of course. And I agree with it,” Trump Jr. said, “It’s a very good marketing message, it's a great catchphrase, but that doesn't back up a lot of the political ideology behind it.”Lindsay then asks about his reaction to events in Kenosha. Jacob Blake, 29, was shot several times in the back by a Kenosha police officer. He is recovering in the hospital after his spinal cord was severed.Video of the shooting went viral and sparked demonstrations for several nights in Kenosha. It also inspired professional athletes to cancel practices and games the week of the shooting, to urge their leagues and fans to think about social injustice issues. A few nights after Blake’s shooting, investigators say 17-year-old Kyle Rittenhouse drove to Kenosha from his home in Illinois with an AR-15. He allegedly shot three demonstrators, two of them died.Rittenhouse was arrested at his home and faces five criminal counts including intentional homicide and reckless homicide.On a visit to Kenosha, President Trump visited with police officers and business owners whose stores had been damaged by protesters. He said he did not meet with the Blake family because they wanted a lawyer present for the meeting.Lindsay pressed Trump Jr. on why the administration has not spoken out about what happened to Blake, or the demonstrators who were shot."But why hasn't the Trump Administration or President Trump condemned what happened in Kenosha with Kyle Rittenhouse… coming across state lines and… murdering two people and injuring another [at a protest]?” Lindsay asked.“We're waiting for due process. We're not jumping to a conclusion… If I put myself in Kyle Rittenhouse['s shoes], maybe I shouldn't have been there. He's a young kid. I don't want young kids running around the streets with AR-15s… Maybe I wouldn't have put myself in that situation — who knows...? We all do stupid things at 17,” Trump Jr. replied.“It's a little beyond stupid," Lindsay responded.“Really stupid — fine. But we all have to let due process play out and let due process take its course,” Trump Jr. said. 2895

If you've ever wanted to cook with actress Eva Langoria, well now's your chance.The actress is partnering with Airbnb to host a cooking class to celebrate National Hispanic Heritage Month.In a press release, Airbnb said 10 lucky participants would learn how to cook one of Longoria's favorite Tex-Mex dishes.The event will run through Oct. 15 and will cost between to 0. 384