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Nine months into the COVID-19 pandemic and many people are inching by by making minimum payments on credit cards.But with Pandemic Emergency Unemployment Compensation set to expire next month, staying in good standing with your credit card companies may be getting harder.Many credit card companies are willing to set up a payment plan and waive fees or lower interests on your payments for a certain period of time, but there’s always fine print. There are other options without impacting your credit score.Getting by by making minimum payments on her credit cards, Jana Krause is feeling financially strapped."I'm finding myself in a position that I was able to make my credit card payments on time. Now I'm concerned that that’s not going to be a happening thing coming up in the next months," Krause said.With the Pandemic Emergency Unemployment Compensation set to expire next month, Krause reached out to her credit card companies hoping she can lower her minimum payments without having to go into a hardship program that would freeze her account and potentially impact her credit score."I'm stuck between a rock and a hard place," Krause said. "I've never experienced something like this in my life. I've never been out of a job."At 74, Krause is considered high risk for COVID-19, and going back to teaching wellness classes is not an option for her.Sara Rathner, a credit card expert at the finance company Nerd Wallet, said Krause is not alone."You can look into other options to free up cash in your budget to fulfill other obligations," Rathner said. "Turn to your utility companies, your landlord, your mortgage company, see what sorts of help they can provide. Maybe by freeing up cash in that way you’ll still be able to meet the minimum payments on your credit card."And if that’s not possible, research personal loans or debt consolidation programs. But beware of scams."You can start with non-profit credit counseling that can help you come up with a debt repayment plan and debt consolidation, or even just get help reworking your budget to see if you can free up money to pay your bills," Rathner said.Krause said she’s already cost-conscious doing groceries."I'm not going to one of my favorite stores and getting my favorite treats, nothing. I mean, all that’s been cut out," Krause said.Hardship payments programs may not be for everyone, but Rathner said weigh your priorities before you knock it."In an emergency, your credit score doesn’t need to be your first priority," Rathner said. "You can get yourself into a more stable situation and then focus on rebuilding your credit from there. Right now if what you need to do is keep a roof over your head, keep the lights on, and keep food on the table, that’s your number one priority."This story was first reported by Michelle Quesada at WPTV in West Palm Beach, Florida. 2856
NEW YORK CITY — After camping out in Manhattan's City Hall Park for weeks, remaining Occupy City Hall protesters were cleared out by police early Wednesday, the NYPD said.Officers in riot gear arrived on the scene around 3:40 a.m. local time to remove "illegal occupiers" of City Hall Park, police said.Police gave a verbal warning for protesters to disperse at least ten minutes before moving in to clear the park, according to the NYPD.The NYPD said seven people were arrested. However, no charges have been filed as of yet. 534
NEW YORK CITY — Two men have been indicted in the 2002 murder of Run-DMC DJ Jam Master Jay, officials announced on Monday.The hip-hop star, whose real name is Jason Mizell, was shot and killed in his recording studio in Queens on Oct. 30, 2002. He was 37.Federal prosecutors and members of the NYPD identified the suspects as Ronald Washington and Karl Jordan Jr. Watch the news conference below:Washington has long been a person of interest in the case. He is currently serving a federal prison sentence for robbery and is expected to be arraigned in connection with Jam Master Jay's death later this week.Jordan Jr. was expected to be arraigned on murder and other charges Monday afternoon.Jam Master Jay was one-third of the celebrated rap group, Run-DMC — one of the most popular trios in hip-hop history. His fellow group members, Joseph "Run" Simmons and Darryl "D.M.C." McDaniels, were not in the second-floor studio on Merrick Boulevard in Jamaica when the gunfire broke out.The hip-hop legend was known for his Adidas wardrobe, black hat, leather jacket, and large, gold chain. As a DJ, he had hands of gold.The NYPD said Jam Master Jay was part of a cocaine trafficking conspiracy that led to his murder, and said the DJ had threatened to cut one of his alleged killers out of a deal with a Maryland distributor.Jay was playing video games on a couch in the studio shortly before two men were buzzed in by his assistant, Lydia High. One of them hugged Jam Master Jay before the first bullet was fired.Jay's friend, Tony Rincon, was hit by one bullet in the leg and the next bullet hit Jay in the head, killing him.He is survived by his wife and three children.This story was originally published by Mary Murphy and Lauren Cook on WPIX in New York. 1765
Nobel Prize-winning novelist V.S. Naipaul, who was born in Trinidad but lived most of his life in England, died in his London home Saturday, Britain's Press Association reported, citing Naipaul's wife.He was 85.In awarding him the million Nobel Prize in Literature in 2001, the Swedish Academy praised Naipaul for combining genres into his own style that compels readers "to see the presence of suppressed histories. ... In a vigilant style, (he) transforms rage into precision and allows events to speak with their own inherent irony." 547
NORFOLK, Neb. -- Something as simple as going for a walk with family, Troy Bowers doesn’t take for granted, considering he hasn’t been able to do it for years.Bowers broke his ankle multiple times and went through a series of surgeries that caused endless pain.“I was to the point where I was potentially going to lose the lower part of my leg and my foot just because it hurt so bad,” Bowers said.But then a local doctor gave him hope. Dr. Demetrio Aguila III is the founder, CEO and president of Healing Hands of Nebraska.Healing Hands of Nebraska is a medical and surgical practice that focuses primarily on the surgical management of chronic pain. Dr. Aguila says a program called the M25 Program is the heart and soul of their practice – inspired by his time serving as a combat flight surgeon in Afghanistan.“The M25 program is a mechanism by which patients and doctors and communities work together to invest in each other to get the care that they need without causing a financial burden,” Dr. Aguila said.If somebody can’t afford a surgery, the M25 Program gives them the opportunity to pay for their procedure through community service hours. Healing Hands of Nebraska collaborates with multiple organizations where patients can volunteer.“You volunteer your time, and then they call me up, ‘she’s finished all the hours you asked for. Ok, send her over’. We’ll do her surgery… no charge… zero charge.”The M25 Program is what saved the Bowers' family from going into debilitating medical debt.“We were basically bankrupt, and luckily, when we needed it the most, I guess God was looking out for us and Dr. Aguila was willing to help,” Bowers said.Bowers chose the Orphan Grain Train for his community service – a Christian volunteer network that ships donated food, clothing, and medical items to people in need throughout the U.S. and world.“Through I believe like 450 community hours, I was able to have three procedures by Dr. Aguila to finish up my nerve repair. And I don’t even know what that would have cost… thousands, I mean a lot,” Bowers said.But due to his pain, he wasn’t able to do too many hours. So, he asked his church, Grace Lutheran, for help.“We had a group of kids of about 6-12 every week pitching in for about an hour a week, and those service hours really added up,” Grace Lutheran Pastor Chris Asbury said.Every Wednesday, Pastor Asbury and a group of middle schoolers – called Happy Helpers – donated their time to help Bowers.“Them young people helped me walk, and I got to save my leg because of them and other volunteers," Bowers said. "They made that difference.”Every time they volunteered, they prayed that they could be a blessing to the Bowers' family.“As Christ loved us, we love the people around us," Pastor Asbury said. "And we don’t just talk about it, but we find everyday ways to do that. It doesn’t have to be big. Most of the time it’s never newsworthy, but this certainly is.”You may be wondering, how is this all even possible? Well, it’s more simple than you think.“We offer significantly discounted fees for our services here compared to what you would find at other practices because we don’t involve the insurance companies,” Dr. Aguila said.According to Dr. Aguila, patients know exactly what they’re getting into financially when they enter the office. Without insurance involved, there’s no administrative costs for the patient. Dr. Aguila says they can pay everything up front, split up payments over time, or go through the M25 Program.“Last year, two thirds of all individual bankruptcies in the United States were tied to medical debt,” Dr. Aguila said.And of those two thirds of people, Dr. Aguila says three fourths had medical insurance.“We’re gonna work outside the system in order to build a better system that’s fair to patients, that’s transparent,” Dr. Aguila said.When people use the M25 program, Dr. Aguila doesn’t get paid for his professional fees. However, the office says they don’t look at it as a financial hit. Rather, they look at it as a way to give back to the community, calling it medical mission work in their own backyard.“Who loses? Nobody. Who wins? Everyone,” Dr. Aguila said.Now, Bowers can go on with his life, spending time with his family.“Riding horses with my daughter, fishing with my son, we’re doing great.”Dr. Aguila says doctors have reached out from all over the world trying to figure out how they can implement their own program. He says he’d like to see M25 change the conversation about healthcare, restore the doctor-patient relationship, and spur a resurgence of volunteerism in the U.S.“It is my fervent hope, that we will rekindle, reignite in the soul of the American people a desire to volunteer and help their neighbors,” Dr. Aguila said. 4762