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The National Weather Service is testing a new type of winter weather warning beginning in early January.Snow squall warnings will be tested in seven different areas across the country to warn people of white-out conditions from heavy, blowing snow.Snow squall warnings will be issued when short-lived winter storms are capable of causing visibility to drop under a quarter mile and subfreezing road temperatures allow snow to build up rapidly, causing dangerous, life-threatening travel.The National Weather Service currently issues watches and warnings for snow storms that are expected to last for a day or more, but these new warnings will get issued for short-lived storms that are expected to last for an hour or less.The new warnings would work similar to how severe thunderstorm warnings currently work. A polygon would be drawn across the region to where heavy, blowing snow was moving.These new warnings are going to be tested in the following cities and surrounding areas beginning this winter:? Detroit, MI 1025

The police chief in Columbia, S.C. announced on Thursday that Master Police Officer David Hurt has been suspended for five days without pay and removed from the K-9 unit after the dog he was handling, Turbo, died after Hurt left Turbo in a police car for eight hours, The State newspaper reported. Hurt was participating in all-day training and left the air conditioning running and the windows down in his police car. He also reportedly had deactivated a heat sensor in the vehicle, which could have warned him to the car's rising temperatures. Hurt reportedly had an officer check on Turbo at 11:30 a.m. on July 26, which was four hours into the training. When Hurt returned to the vehicle at 3:30 p.m., he found Turbo was panting heavily, foaming at the mouth and unsteady on his feet, The State reported. Hurt then took Turbo to a veterinarian, where the 2-year-old dog was euthanized. Turbo's official cause of death was organ failure from prolonged heat exposure. In addition to his unpaid suspension and removal from the K-9 unit, Hurt will also be removed from the Columbia Police's bomb squad for six months. Last month's incident has also prompted the Columbia Police to make institutional changes to how it cares for K-9s. Among the changes include requiring hourly checks on dogs left in police cars. 1355

The production company behind the American version of the Russian state-funded network RT has officially filed as a foreign agent with the Department of Justice.T&R Productions LLC formally registered on November 10 as an agent of ANO TV-Novosti, described in the forms as a non-governmental organization "under Russian Federation law," which has principal "responsibility for creating a TV network that will be competitive with other TV networks operating around the world." The DOJ identified ANO TV-Novosti as the "Russian government entity responsible for the worldwide broadcasts of the RT Network"In its announcement, the DOJ said T&R Productions LLC "has operated studios for RT, hired and paid all U.S.-based RT employees, and produced English-language programming for RT, which is both shown on cable networks across the United States and available on RT's website."The DOJ announced the registration and published the forms on Monday. The National Security Division's FARA Registration Unit is reviewing T&R's filings for sufficiency, the DOJ said."Americans have a right to know who is acting in the United States to influence the U.S. government or public on behalf of foreign principals," Acting Assistant Attorney General for National Security Dana J. Boente said in a statement on Monday. "The Department of Justice is committed to enforcing FARA and expects compliance with the law by all entities engaged in specified activities on behalf of any foreign principal, regardless of its nationality."The filing comes after weeks of public pronouncements and increasing tension between Russia and the U.S. over media outlets in the two countries. RT said after initially skipping its October deadline to register under FARA, they were forced to file or their employees could face imprisonment and have their assets seized. While this is technically true under the law, harsh enforcements under Foreign Agents Registration Act are rare, experts say.The DOJ's registration request has prompted Russian officials to retaliate by threatening to enforce harsher restrictions against American news organizations operating in Russia, especially government-funded outlets such as Radio Free Europe and its television sister network Current Time.The filing was made under news director Mikhail Solodovnikov, a former reporter for a Russian TV outlet who said in the forms that he is a U.S. citizen by marriage. He listed his salary as 0,000 a year. He is the sole member and owner over the LLC and produces the various shows for ANO TV-Novosti, according to the filing.Solodovnikov disputed the need for the FARA registration in the filing."The production of shows remains under the independent editorial control of registrant," he wrote. "Registrant respectfully disagrees that FARA should apply."T&R confirms in the paperwork that ANO TV-Novosti is financed by a foreign entity, but the production company also said on the forms that it was not "sufficiently aware" of who controls or funds the NGO.In the filing, Solodovnikov wrote that he does not see RT as political actors, saying that the "primary purpose of T&R Productions LLC is to produce news, talk show, and entertainment programs that are designed merely to inform, not influence. Programs produced cover a broad range of news and talk show topics, reflect balance regarding commentary, and are not aimed to primarily benefit any foreign government or political party."RT was singled out in a January intelligence community report for the impact it may have had on the 2016 U.S. election. The report said RT "conducts strategic messaging for [the] Russian government" and "seeks to influence politics, [and] fuel discontent in the U.S." The report also mentioned a separate Russian-government-controlled website Sputnik as "another government-funded outlet producing pro-Kremlin radio and online content."Federal investigators are also reportedly looking into whether Russian government-funded outlets such as RT and Sputnik were part of Russia's influence campaign aimed at the 2016 presidential election. Yahoo News has separately reported that the FBI interviewed a former Sputnik correspondent about his work at the website.Russian government officials, including President Vladimir Putin said they'd take a "tit for tat" measure against American outlets in Russia in retaliation for the pressure on RT. Last week Russian Foreign Ministry Spokeswoman Maria Zakharova said that new action against American outlets would come this week. 4546

The Lumberton, NC Police Department said that authorities have found a body during a search for missing 13-year-old Hania Aguilar, who was reported missing on Nov. 5. Authorities said Aguilar was abducted by a man dressed in black and wearing a yellow bandana while she was standing outside her family's home on Nov. 5. A ,000 reward was issued for information on Aguilar's whereabouts. Authorities released the following statement Tuesday evening: 484

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

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