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Hertz has been in business for over 100 years.In May, the car-rental company filed for reorganization under Chapter 11 in bankruptcy court in Delaware.On Monday, Hertz announced in a press release that revenues were down 70% as it reported its second-quarter financial results."In the second quarter, like so many companies whose revenues have sharply declined due to the pandemic's significant impact on global travel, we had to make difficult but necessary decisions to strengthen and position the company for growth for many years to come," said Paul Stone, President and Chief Executive Officer of Hertz Global in the news release. "The toughest decisions have been those that impact the livelihood of our dedicated workforce and our voluntarily reorganizing under Chapter 11 in North America. We are moving through our reorganization process and remain focused on emerging an even stronger global rental car leader better positioned to serve our customers around the world."The parent company, Hertz Global Holdings, recorded revenue of 2 million, but with a net loss of 7 million.And with air travel impacted by COVID-19, the company said airport car rentals were down 82%.In the news release, the company said they saw a strong rebound in its used-car market in May and June, and they were able to "sell cars aggressively as we right-size the fleet to align with market realities.""We continue to make disciplined adjustments to our cost structure based on revenue fluctuations and expect to generate about .5 billion in annualized savings," said Stone in the release. "Our priority is fleet management. The continued strong used-car market allows us to continue to sell cars aggressively as we right-size the fleet to align with market realities. Across the business, our team is laser-focused on capturing revenue, driving efficiency, and advancing critical technology. In the U.S., we continue to capitalize on rental opportunities off-airport, while ensuring customer service levels remain best-in-class. Internationally, our fleet is trending toward demand levels. And our Donlen leasing business remains stable. Finally, continuing to keep our teams and our customers safe in this unpredictable environment is of utmost importance to everyone at Hertz." 2282

HAMPTON, Va. – Slavery in the United States began in Hampton Roads at Fort Monroe in Virginia, once known as Point Comfort, where the first enslaved Africans arrived in 1619.Psychiatrists say the horrors slaves endured in America – severe physical and mental abuse – has a psychological impact on their descendants 401 years later.“Fearfulness, I think, is what's passed on, in addition to the trauma,” said nationally renowned psychiatrist Dr. Dion Metzger. “That fear gets instilled into children because parents are trying to protect their children.”A study in Brain Sciences suggests trauma can be passed down through generations. Their research found “an accumulating amount of evidence of an enduring effect of trauma exposure to be passed to offspring transgenerationally via the epigenetic inheritance mechanism of DNA methylation alterations and has the capacity to change the expression of genes and the metabolome.”Dr. Metzger said it is possible that Black people are experiencing post-traumatic stress disorder from what their ancestors endured.“Just because we didn't experience it, us learning about the history or even from family stories, it's the same thing,” she said.Metzger said the outcry in peaceful protests across the country can be therapeutic.“It's not going to be a quick fix, but us telling our stories is one big part of [healing],” said Dr. Metzger, who also encouraged therapy.“A lot of people think in order for you to suffer from PTSD, you have to be a victim,” said Dr. Metzger. “You can still have the same traumatic impact just from watching the video [of George Floyd’s death] and sometimes even greater if you identify with the person. So if you identify with the race of the person, you identify with their gender, you're more likely to have a trauma traumatic impact. So I always remind people that even if you were not there, but you’re watching that video, we're still counting that as a trauma. You watched a person die on camera, so we have to realize that that's traumatic.”This story was originally published by Jessica Larche at WTKR. 2090

Harris County, Texas Sheriff's deputies in Houston were forced to shut down an ATM in Houston on Sunday night after a huge crowd had gathered to take advantage of the machine dispersing 0 bills instead of bills, the Houston Chronicle reported. Rather than trying to recoup its losses, Bank of America announced that it would not force those who were able to snag the 0 bills to repay. “This was an incident at a single ATM in Houston caused when a vendor incorrectly loaded 0 bills in place of bills,” Bank of America said in a statement to the Chronicle. “We have resolved the matter. Customers will be able to keep the additional money dispensed.”KPRC-TV said that the crowd converged on the Houston ATM Sunday night after a man posted on social media, boasting about the transaction. KPRC added that a few fights took place near the ATM, which prompted deputies to shut down the ATM. Bank of America did not say how many customers profited off of the ATM.   1020

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

From Parkland to Pittsburgh, we all realize that these days a mass shooting can happen anywhere, at any time.If a shooter walked into your workplace, whether an office building, a school or a movie theater, would you know how to survive?They're words too many people have heard: "We have an active shooter. Stand by for further information."Jim Hardman is a Desert Storm US Army veteran and a former police officer who teaches survival classes.In an active shooting, he says everyone should know three keywords: run, hide, fight.First: Run.Hardman says wherever you are, always know where the exit is."I walk into a store or a new business," he said, "and ask myself where can I get out?"Hear gunshots? Hardman says run if you can, without running into gunfire."If I decide to run, I move with a purpose," he said. "I'm not just running through the center or a room to try to get away."Second: Hide.Hardman says to look for a spot that might stop bullets."I position myself to where I've got that filing cabinet, that copier, something that's heavy."Hardman says never try to reason with someone already shooting. Statistics show you cannot stop him at that point."Once that active killing starts, that rationalization is out the door."Obviously, your best bet is to escape. But if you can't get out, Hardman says the next thing to do is to start barricading the room you're in, putting heavy everything at the door to keep the shooter out."I might just grab an entire desk assembly, slide it over in front of the door, " he said. 1553