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The name change for Boy Scouts of America is creating a buzz online as people react the organization's recent move to become more inclusive.They will begin calling the program for ages 11 to 17 "Scouts BSA."It was a historic decision for Boy Scouts of America as they take the next step towards allowing females into all their programs with their focus on bringing families together in one spot. It's all a part of the new "Scout Me In"?recruitment campaign, uniting girls and boys of the same family with one organization."Having Johnny in Scouts and Sally in soccer or some other activities — if they can go and do things together as a family unit, that's what families are looking for from the research we have," says Chris Mehaffey, scout executive and CEO of the Mid-America Council. And so the move was made today, switching the Boy Scouts program to Scouts BSA with the hopes that the new name will make girls feel comfortable joining the program geared towards 11-18 year olds.Still Mehaffey believes the name switch won't make a huge difference in girls joining the scouts. "I think those that are interested in our program will come anyway, this just shows that we are being more inclusive to what demographics we'll be serving."As for the Girl Scouts, they're remaining focused on creating programs for girls, and only girls. "So it's not changing the way we deliver our mission and programs. We're going to continue to do what girls asked us to do and provide for their changing needs," says Melissa Breazile, marketing director of Girl Scouts of Nebraska.And if girls desire, Mehaffey says girls can choose to join both organizations. "You don't have to choose. Girl Scouts meet on different nights, Cub Scouts, Scouts BSA meet on different nights, if you're interested in both if parents will allow, do both."Now this switch only affects the Boy Scout program. Ranks like Cub Scouts and Eagle Scouts, will keep their names.While the Cub Scouts have already began to bring in girls, the organization plans to fully bring them in by February of 2019. 2115

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 investigation into social media misconduct in the United State Marine Corps. has resulted in at least 55 Marines being punished, including seven courts-martial.USMC said Friday the cases stemming from a massive scandal into online misconduct "proved to be a symptom of a larger problem of bias and exclusion."The 55 Marines punished include seven special and summary courts-martial, six administrative separations, 15 non-judicial punishments, and 27 adverse administrative actions. At least 123 individuals have been investigated for incidents of misconduct involving the non-consensual distribution of explicit images, according to officials. Of those cases, 22 were of civilians outside Department of Defense jurisdiction and 101 were active-duty or reserve Marines.USMC said 82 cases concerning active-duty or reserve Marines have been ruled on while 19 await a decision.The Marine's investigation of the "Marines United" Facebook page prompted a full-scale look into misconduct across social media. Naval Criminal Investigative Service scanned nearly 131,000 images across 168 social media sites.Last year, nude photographs of female Marines and veterans from various military branches and other women were shared on the "Marines United" page. The accompanying posts were found to include obscene and threatening comments and showed women in various stages of undress. Some women were identified and others were not. The site was touted as being for men only. 1536

The man suspected of killing a prominent Houston doctor in broad daylight two weeks ago fatally shot himself in the head as two police officers confronted him on Friday morning, Police Chief Art Acevedo said.Joseph Pappas, wearing a bulletproof vest under his shirt, killed himself outdoors in a tree-lined residential area northwest of his Houston home, shortly after a city employee reported seeing Pappas and finding a wallet he'd left on the ground, Acevedo said.Pappas' death ends a days-long manhunt for the 62-year-old real estate agent and former constable, who investigators say painstakingly planned the killing of Dr. Mark Hausknecht, possibly as revenge for his mother's death 20 years ago under the doctor's care. 734

The neon lights of Broadway’s Honky Tonk bars are still shining brightly each night in downtown Nashville, Tennessee. But across this city that's soul heavily beats to the pulse of local musicians’ songs, many independent music venues are in danger of going dark for good.Since 1971, Exit/In near the city’s west end neighborhood has long been a beacon for smaller artists looking to make it big. Over the years, everyone from Billy Joel to Cheryl Crow to Jimmy Buffet has graced the stage here. But it’s the smaller, less well-known artists who truly rely on a black box venue like this one.“It’s a purist’s room. It’s just a great old school style place,” explained owner Chris Cobb.Since March though, Exit/In and thousands of other venues like it across the country have been shut down--forced to close their doors because of the coronavirus.“It’s just not safe. It’s not safe to do what we do right now, unfortunately, and there’s no pivot option. We can’t curbside a concert, we can’t to-go a concert,” Cobb lamented.It’s that kind of daunting reality facing owners of clubs, venues and smaller music halls across the country. Many have already run out of money and most are out of time. Aside from the 57 employees that Cobb had to lay off, there are also closed signs now popping up on businesses around the neighborhood who rely on live shows to bring customers in.“We’re on the edge of a cliff with a huge number of venues right there at the edge and about to go over, and they won’t come back,” he added.While it’s not a giant stadium, venues like Exit/In are the kind of spaces where smaller artists get their start. In cities across the country, independent venues are deeply engrained in the culture of the communities they operate in.For musician Daniel Donato, not having a stage like Exit/In to play on has been difficult.“I want to create memories that people can go back to. I want to be somebody’s Friday night. And the first thing a musician plays is the venue, they don’t play their instrument, they play the venue they’re in,” Donato said.In addition to the income he’s lost, the 25-year-old musician is also missing out on a chance to refine his craft. There are countless musicians like him across the country stuck in a kind of painful limbo.“I have to have the energy of the people in the room, take that, put it in a guitar and make it something great,” he added.By the end of the year, live performance venues are expected to lose about billion on ticket sales alone. Because of the impending crisis facing smaller venues, nearly 2,800 have banded together to form the National Independent Venue Association (NIVA).A stunning 90 percent of venues in the organization say they will close by the end of the year without any federal assistance.“It’s happening and every day that goes by is a risk that it happens more, people have run out of money,” explained Audrey Fix Schaefer, who serves as the director of communication for the group.In recent months, NIVA has created the "Save Our Stages Act." It’s a billion grant program for independent venues with bi-partisan support. Now, all they need is a vote in Congress.“People have run out of money and they’re running out of hope,” she added.As for Cobb, it's not just about the jobs that have been lost, it's about the music that the country may never hear if independent venues go silent forever.“It’s hard to think about American music without this network of independent music venues that have existed in this country for decades now. American music, as we know it, would not exist. I’m afraid that’s what we’re about to learn the hard way is it can’t exist the way we know it if these venues go away,” Cobb said.But for now, that's a song Cobb is trying not to write, hoping that the sun doesn't permanently set on some of the nation's most beloved stages. 3854