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The gunman behind the Texas church massacre killed his grandmother-in-law during the attack, multiple friends of the woman told CNN.Devin Patrick Kelley had domestic problems and texted his mother-in-law as recently as Sunday morning, not long before he carried out the largest mass shooting in Texas history, authorities said."We know that he expressed anger towards his mother-in-law, who attends this church," said Freeman Martin of the Texas Department of Public Safety. He said Kelley had a history of sending her threatening texts.But his mother-in-law was not inside the First Baptist Church in Sutherland Springs when Kelley sprayed the congregation with gunfire and killed 26 people. The youngest killed was a 17-month-old girl, her family told CNN. The oldest was 77 years old, Martin said.The gunman's grandmother-in-law, Lula White, was the grandmother of Kelley's wife and often volunteered at the church, according to friends and her Facebook profile.The friends asked not to be named as the family has decided to not speak to the media about White's death at this time, though a few have posted on social mediaTexas Gov. Greg Abbott called the massacre "the largest mass shooting" in the state's history. 1227

The Internal Revenue Service says its processing systems are back up and running after they went down on Tuesday, which was the filing deadline for 2018.The IRS said in a statement it has accepted more than 14 million tax submissions since processing systems reopened.The Tuesday morning system outage was caused by a hardware issue. Teams worked through the night to get the systems going again, Acting Commissioner David Kautter said. 444

The Pittsburgh Steelers have placed four more players on the COVID-19 list, including quarterback Ben Roethlisberger. According to the Associated Press, a player is added to the reserve/COVID-19 list if they have tested positive for the virus or have been in close contact with someone who has it.The move comes a day after tight end Vance McDonald went on the list after testing positive following a 24-19 win at Dallas that pushed the Steelers to 8-0. Running back Jaylen Samuels, offensive lineman Jerald Hawkins, and linebacker Vince Williams joined Roethlisberger on the list Tuesday.According to ESPN, the players are considered high-risk contacts, so they must isolate for five days after their last contact with McDonald, and they can't be at the team's practice facility during those five days.The team will test the players throughout the week before they are deemed eligible to play against the Cincinnati Bengals on Sunday, ESPN reported.According to ESPN, Roethlisberger has been seen not wearing a mask when talking to McDonald while on the sidelines. The teammates also have lockers close to each other. Roethlisberger has not tested positive, ESPN reported.For the first time in the team’s history, the Steelers are 8-0. 1244

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 pandemic has made in-person meetings and events far less common, and that includes job interviews. As more interviews take place virtually, here are some tips to help you interview from the comfort of your own home.Jonathan Nugent, the owner of All-Star Career Services in Cincinnati, Ohio, said try to look at your camera, "not necessarily the person that you're chatting with." By looking at the camera, it makes it seem like you are looking at your interviewer directly.Nugent also said your background and setting aren't as important as things like whether or not the place you are sitting is well lit or has good acoustics so your interviewer can hear you properly. Your posture, and whether or not you are sitting up straight or slouching, is also important, said Nugent.From there, stylist and owner of Sloane Boutique, Ivy Costa, said to think about what kind of position you are applying for and dress accordingly.If the job you've applied for is more corporate, Costa suggests dressing in more neutral tones with a pop of color. For creative positions, subtle patterns and more color works.And while some people might only dress their top half for the interview, Costa said dressing like you're in the same room as the interviewer is the best bet."It fires those engines on mentally that you're there and ready to go," Costa said. "When you have the job and you're comfortable, put your yoga pants back on."Sina Gebre-Ab with WCPO in Cincinnati, Ohio, first reported this story. 1500