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The jury in the trial of former Donald Trump campaign chairman Paul Manafort did not reach a verdict after its first full day of deliberations.Just before 5 p.m. ET, jurors sent a note to Judge T.S. Ellis with four questions, including one asking him if he could "redefine" for them the meaning of "reasonable doubt," the legal threshold for acquitting a defendant. Ellis responded that the prosecutors had to prove their case not "beyond possible doubt," but beyond "doubt based on reason."Jurors also asked questions related to Manafort's tax filing and foreign bank account disclosure charges, including when a person is required to file a foreign banking disclosure, and the definition of "shelf" companies. Ellis instructed them to rely on their "collective recollection" and gave no additional explanation.Jurors began deliberations Thursday morning. Manafort is facing 18 counts of tax evasion, bank fraud and hiding foreign bank accounts brought by special counsel Robert Mueller as part of the investigation into Russian interference in the 2016 election.The jury will return at 9:30 a.m. ET Friday.For the first time, the jurors are seeing pictures of the ,000 ostrich jacket, ,000 python jacket, and other high-end clothes Manafort purchased using foreign wire transfers. They are also debating the testimony of Rick Gates, Manafort's former deputy who admitted to embezzling hundreds of thousands of dollars. And they can pore over reams of emails, tax forms and financial documents that prosecutors say are the "star witness" in their case.The courtroom drama will be nothing compared to the political earthquake the verdict will bring, regardless of which way it comes down.The President has repeatedly called Mueller's investigation a "witch hunt" that hasn't found evidence of Russian collusion with his campaign, and Trump's allies in and out of the White House say the special counsel should wrap things up."If he doesn't get it done in the next two or three weeks we will just unload on him like a ton of bricks," Trump lawyer Rudy Giuliani told Bloomberg News."Looking back on history, who was treated worse, Alfonse Capone, legendary mob boss, killer and "Public Enemy Number One," or Paul Manafort, political operative & Reagan/Dole darling, now serving solitary confinement - although convicted of nothing? Where is the Russian Collusion?" Trump tweeted earlier this month about Manafort.An acquittal would only add to criticism that Mueller's investigation hasn't been worth the time and expense.A conviction, meanwhile, would allow Democrats and Mueller's supporters to say ending the investigation would be premature given the special counsel's results, having previously collected several guilty pleas.It could also boost Mueller's position as he negotiates with Trump's lawyers over a potential interview. 2876

The midterm election was not just an opportunity to change the face of Congress and statehouses nationwide. Voters in 37 states also considered ballot measures on social and political issues such as health care, marijuana and election policies.Some were initiated by citizens, others by lawmakers. The questions included whether to restrict abortion access, expand Medicaid, or change voting requirements.Here are some of the ballot measures we're keeping an eye on nationwide. We'll continue updating the results as they come in. 538

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 man who confronted and helped stop a gunman at a Tennessee Waffle House has released a mini-documentary early Tuesday morning, to mark one month since the attack that left four people dead.James Shaw Jr. released the video on YouTube. It's set to the Drake song "God's Plan," and shows the moments Shaw presented the families of the victims with large checks from a GoFundMe campaign Shaw launched after the shootings. Shaw presented the donations to the families privately last week on the campus of Tennessee State University.Shaw raised more than 0,000 in the online campaign.Shaw is credited with saving lives during the April shooting. He told police he was able to wrestle the gunman's AR-15 away from him. Shaw said in a social media post that the documentary is meant to honor the four victims: DeEbony Groves, Akilah DaSilva, Joe Perez, and Taurean Sanderlin. 913

The larger number of faster and cheaper COVID-19 tests is offering hope.Researchers at Harvard and Brown say we need about 2 million tests a day of symptomatic people and contacts to fight the spread of the virus.When you add in testing for teachers, students, nursing home residents and staff, the number is about 4.4 million.That's around four times the amount of people being tested per day, according to the COVID Tracking Project.“So, I think it's important to make sure we actually have a goal post about where the country needs to head, because the testing manufacturers need to know what that number looks like in order to make their own business and manufacturing decisions about how to scale,” said Dr. Thomas Tsai with the Harvard T.H. Chan School of Public Health.Tsai says we don't have enough capacity yet with the rapid antigen tests. He says letting the supply chain drive our guidelines for testing won't get us where we need to be.He says PCR tests that take longer to come back are more accurate, but says the antigen tests are promising because we screen more often.“Think about all the information that we’ve gleaned just from the exposure at the White House in terms of the patterns over the last several days,” said Tsai. “That kind of information, that kind of action should not just be reserved for our politicians and our athletes and celebrities. That's what all Americans deserve in terms of being about to have that information to fight the pandemic.”He says testing by itself only gives you information. It's the actions like masking and distancing that really protect you.He says the federal government needs to make testing cheaper or even free for it to work. 1700

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