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House Speaker Paul Ryan endorsed Majority Leader Kevin McCarthy -- House Republicans' second in command -- to succeed him as speaker, in an interview with NBC."I think we all believe that Kevin is the right person," the Wisconsin Republican said in an interview that aired Friday. "I think Kevin's the right guy to step up."Ryan's support for the California congressman comes just days after Ryan announced he'd retire in January. Already, behind the scenes, the race for Speaker is unfolding. While Majority Whip Steve Scalise, of Louisiana, has said repeatedly he wouldn't challenge McCarthy in a head-to-head race, a leadership source told CNN earlier this week that Scalise's intention was to be ready if McCarthy couldn't garner the votes. 752
I'm disappointed to confirm that we are canceling large public events through February 28, 2021 due to the public health crisis.This was not an easy decision to make. The health and safety of residents, workers, and visitors must be our top priority.— Jim #MaskUpPHL Kenney (@PhillyMayor) July 14, 2020 310
In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312
If you're in an industry hit hard by the pandemic, you may be considering making a career change.However, it can be hard to know where to begin and you may not feel like you're qualified.LinkedIn has a new tool called "career explorer" that could help you figure out the best career to transition into.You put in the job that you have or had most recently and it shows you in demand jobs that are a strong match for those same skills.“When it comes to retail positions, soft skills, there's a lot of soft skills that are acquired being in retail and we know from hiring managers that soft skills are highly in demand right now, especially in a COVID world,” said Blair Heitmann, a LinkedIn career expert. “Those are skills like communication, thought leadership, management and we know that those are just as important to those hard skills.”You want to make sure you're listing those skills. LinkedIn found people who have five or more skills on their profile are discovered by recruiters 27 times more.“You could have been on a team of servers that was a part of the restaurant that was the fastest growing restaurant in the area,” said Heitmann. “That demonstrates the quality of the service, so you want to make sure that you really word about the impact that you had on the role.”If you were a food server, the career experts at LinkedIn say you have three quarters of the skills you need to be a customer service specialist, which is one of the most in demand jobs. The similar skills include customer service and time management. 1543
If you get a letter in the mail from the IRS, you might want to open it.In an attempt to track down some Americans who did not receive an economic impact check earlier this year, the IRS said on Thursday it is sending 9 million letters to Americans who do not file a traditional tax return.The letter will encourage recipients of the letter to visit the IRS.gov before an Oct. 15 deadline to register for a stimulus check. For most Americans, the checks are worth ,200.“The IRS continues to work hard to reach people eligible for these payments,” said IRS Commissioner Chuck Rettig. “These mailings are the latest step by the IRS to reach as many people as possible for these important payments. We are releasing this state-by-state information so that state and local leaders and organizations can better understand the size of this population in their communities and assist them in claiming these important payments. Time is running out to claim a payment before the deadline.”But the IRS says just because you receive a letter does not automatically make you eligible. To be eligible, the IRS requires that an individual is a US citizen or resident alien, have a work-eligible Social Security Number and can’t be claimed as a dependent on someone else’s return.Americans who earn less than ,200 a year, or married couples earning less than ,400 a year, are not required to submit a federal tax return. These Americans, if they did not apply for a stimulus check, would have been excluded from receiving a check unless they earn another form of government income, such as Social Security.Those who believe they are eligible for a check don’t have to wait for the letter. A tool is available on the IRS’ webpage by clicking here.As a reminder, here is who is eligible for a stimulus check:,400 – Couples earning less than 0,000 a year (couples earning 0,000 - 8,000 will receive a prorated check).,200 – Individuals earning less than ,000 a year (individuals earning ,000 - ,000 will receive a prorated check).,200 – Heads of households earning less than 2,500 (heads of households earning 2,500 - 6,000 will receive a prorated check).0 - Each dependent child age 16 or under as of Dec. 31, 2019 (for qualifying individuals and couples). 2291